show episodes
 
Take control of your life and money once and for all. The Ramsey Show offers up straight talk from Dave Ramsey and his team of co-hosts. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out one of Apple’s most popular podcasts! For more information, visit www.ramseysolutions.com
 
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Money Guy Show

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Money Guy Show

Brian Preston and Bo Hanson

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Brian Preston and Bo Hanson, fee-only financial planners and wealth managers, go beyond common sense as they help you make smart financial decisions. Their professional credentials, sophisticated topics, and approachable style have attracted thousands fans and made them a personal finance phenomena. Get free resources, learn more about the Brian and Bo, and discover what it's like to work with us at moneyguy.com.
 
Do you want to make smarter decisions about your money and your life? Do you want to make sure you have enough money to retire comfortably? Join Founder and CEO of Keen Wealth Advisors, Bill Keen, as we discuss money, life, and everything in between. Whether you’re on your way to retirement or already there, these shows will educate and entertain you on your journey.
 
Kiplinger delivers timely, actionable personal finance guidance to help you earn, keep, and make the most of your money. Each new weekly episode has down-to-earth insights on saving for retirement, cutting your tax bill, investing for growth and income, maintaining good credit, and much more.
 
CBS News business analyst and Certified Financial Planner Jill Schlesinger takes the mystery out of your financial life. Jill helps guide you through whatever money decisions you're trying to make. Finally, a money podcast that isn't scary or boring, it's useful, and dare we say, fun. New episodes available Tuesday and Thursday mornings. Have a question? Email us at askjill at jillonmoney dot com.
 
Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.
 
Coming Home Well is a platform to explore and create conversation geared towards helping our warriors come home well from war. Join our host, Dr. Tyler Pieron as he broadens the exploration into resources available such as promising research, medical treatments, and supportive organizations. Plug in and listen to stories of overcoming adversities to inspire others to persevere, historians reminding us of the sacrifices that come with war; and professionals embedded within the conflict needin ...
 
Want to know more about your money? The penny drops podcast is here to help you understand your money and make better informed financial decisions. Presenter and Broadcast Journalist Andrea Fox will be grilling financial experts on your behalf to get the best tips on topics such as savings, pensions, budgeting, debt and retirement. This podcast series is brought to you by Royal London, the UK’s largest mutual life, pensions and investment company.
 
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Radio Diaries

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Radio Diaries

Radio Diaries & Radiotopia

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First-person diaries, sound portraits, and hidden chapters of history from Peabody Award-winning producer Joe Richman and the Radio Diaries team. From teenagers to octogenarians, prisoners to prison guards, bra saleswomen to lighthouse keepers. The extraordinary stories of ordinary life. Radio Diaries is a proud member of Radiotopia, from PRX. Learn more at radiotopia.fm
 
The show all about the Digital Nomad Lifestyle coupled with Financial Independence Retire Early (FIRE). We’ll also cover other lifestyle optimization strategies for good measure. Follow these tips and tactics to design a life with more freedom, excitement, and greater joy. Subscribe here for interviews with digital nomads, early retirees, entrepreneurs, freelancers, world travelers, and many others! For detailed show notes, quotes, links, photos, and much more, please visit nomadonfire.com.
 
Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. Clark is a nationally syndicated radio talk show host and a consumer reporter for television stations around the country. His podcast, The Clark Howard Show, rec ...
 
We're your #1 place for information about the "top emerging countries in the world!" Featured on HGTV's "House Hunters International." To this day no other real estate professional/real estate organization has been featured on "House Hunters International" for 8 consecutive years! This is the official Podcast Channel for Roadhouse International, Compass TV Network, Compass Group International and Compass Concierge Living. I will show you how to create the "Ultimate International Lifestyle!" ...
 
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WealthBeing

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WealthBeing

Island Savings - Valley First - Envision Financial - Enderby & District Financial | Divisions of First West Credit Union

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Being in good financial health makes you feel at ease every day. You are free to pursue your goals and prepared to manage your future needs. Could your pocketbook be in better shape? If life has thrown you a financial curve-ball, or if you just want to be more in control of your money, tune-in to WealthBeing. We diagnose a spending, saving, borrowing, investing, or other financial problem to provide simple advice that can help you thrive.You’ll hear about real-life financial challenges that ...
 
Do financial security and retirement seem like unattainable goals? It's not hard to feel that way. If you've ever worked a 9-to-5 job, trading your precious time for money, I can relate. The SCIENCE of REAL ESTATE PODCAST is here to help... ...experienced property investors to take their portfolio to the next level, and new investors to get their foot in the door ...buyers and sellers make more money possible when buying and selling properties ...break down what and how to set up smart money ...
 
For over one hundred years, the Daughters of the British Empire has provided a common bond for women with British or Commonwealth of Nations heritage living in the United States. Our members continue to volunteer tirelessly for the good of both local and national communities, including our retirement homes across the US. Now we'd like to share our stories, traditions, and histories with you.
 
Mark J. Kohler and Mat Sorensen, Tax Attorneys, Investors, and Entrepreneurs host the Main Street Business Podcast (Formerly the Refresh Your Wealth Show). The show covers, tax strategies, rental real estate, self-directed IRAs, legal strategies, business topics, and asset protection. They break down difficult topics such as LLCs, corporations, estate planning, raising capital, and retirement planning. They have a knack for explaining important and complex topics in an engaging and entertain ...
 
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ChooseFI

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ChooseFI

The Unstuck Network

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How would your life change if you reached Financial Independence and got to the point where working is optional? What actions can you take today to make that not just possible but probable. Jonathan & Brad explore the tactics that the FI community uses to reclaim decades of their lives. They discuss reducing expenses, crushing debt, tax optimization, building passive income streams through online businesses and real estate and how to travel the world for free. Every episode is packed with ac ...
 
Joshua J Sheats, MSFS, CFP, CLU, ChFC, CASL, CAP, RHU, REBC is a financial planner who teaches people how to live a rich life now while building a plan for financial freedom in 10 years or less. He mixes creative approaches to lifestyle design, deep-dive financial planning techniques, and hard-core business strategy to equip you with the knowledge and inspiration you need to build financial independence.
 
Real estate investing in Canada can be confusing. You own your first home, but where do you go from here? How do you build your portfolio and your wealth? The confusion ends here. Quentin DSouza is your host, an award-winning real estate investor and founder ofAppleridge Homes, which started with small single-family homes in 2008 and has grown to large apartment buildings and growing towards 100 million+ in assets under management. On this podcast, you'll learn how to take your high-income, ...
 
This podcast is dedicated to helping homeowners pay off their home faster using a Home Equity Line of Credit and to pay way less mortgage interest than with the traditional 15 and 30 year mortgages they are sold. Sound too good to be true? Maybe. All we ask is you listen in as your podcast host Matt Workman talks with HELOC expert Michael Lush on the different aspects of how this strategy works and why the banks don’t want you to know about it. Each episode will share more details about usin ...
 
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Middle Class Over

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Middle Class Over

Host Frank Simon was Middle Class until 1980. Since then, it was all an illusion.

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The middle class is over. It was a lie. We have the 1%...and then everyone else. Does this explain your life? My middle class life was actually working class, and why Archie Bunker still resonates with many people as a folk hero today. Your host Frank Simon has over 40 years of experience as a banker, stockbroker, owner of an income tax prep company, retirement home marketing manager, small business consultant, business form salesman, retail florist, award winning call centre owner, convenie ...
 
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Consider This Program - Main

1
Consider This Program - Main

Joe Clark, CFP with Financial Enhancement Group

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Real, useful information for everyday people that can be translated into daily life and thought. Each week we cover a different aspect of financial planning, retirement options, and current economic conditions in common sense language that everyone can understand. We will bring on Special Guests to help us explain what is it we see happening out in the real world and provide ideas for the “Average Joe” to take home and put to use.
 
Pastor Taiwo Odukoya is the senior pastor of The Fountain of Life Church, Lagos, Nigeria – a church with a membership in excess of 8,000. He holds a degree in petroleum engineering and worked for 12 years with the Nigeria National Petroleum Corporation (NNPC) until his voluntary retirement in 1994 to concentrate on the ministry God has committed to him. Among his initiatives are: Discovery for Men, Discovery for Women, The Woman Leader, Home Affairs and Grace Springs Medical Centre. An accom ...
 
Planned Solutions is an Independent Financial Planning Firm - looking out for our client's best interests. With over 30 years in the financial planning business, we at Planned Solutions will help guide you to a secure financial future. At Planned Solutions, a CERTIFIED FINANCIAL PLANNER™ professional will sit down with you, review your current situation and work with you to develop an individualized financial plan and implement an asset management strategy. We are very familiar with the rang ...
 
Triple M’s Rush Hour with James Brayshaw and Billy Brownless will get you home from 3-5pm Monday to Friday. They’ve got Melbourne stitched up, with the biggest names in town joining them in the studio every day. Plus your favourite segments like Billy’s Bake, what have you seen…unusual, the Idiot File & Billy’s Joke. If it bounces, rolls or scores in Melbourne, then these two characters will have it covered in ways only they can. Listen 3-5 weekdays on 105.1 Triple M Melbourne, 6pm Mon-Thurs ...
 
What will the future look like? The Future of Everything offers a kaleidoscope view of the nascent trends that will shape our world. In every episode, join our award-winning team on a new journey of discovery. We’ll take you beyond what’s already out there, and make you smarter about the scientific and technological breakthroughs on the horizon that could transform our lives for the better. Hosted by Janet Babin.
 
Learn how to make the most of your investments with The Investment Playbook Show. Clean and concise strategies and actions for those interested in investing. Real, useful information for everyday people that can be translated into daily life and thought. We will bring on Special Guests to help us explain what is it we see happening out in the real world and provide ideas for the “Average Joe” to take home and put to use.
 
Your Money Briefing is your personal-finance and career checklist, with the news that affects your money and what you do with it. From spending and saving to investing and taxes, the Wall Street Journal’s finance reporters and experts break down complicated money questions every weekday to help you make better decisions about managing your money. Hosted by J.R. Whalen.
 
The Burn Your Mortgage Podcast is a Canadian real estate and personal finance podcast for new homebuyers and experienced homeowners. You’ll learn how to buy your dream home, enjoy mortgage-free financial freedom sooner through side hustle and frugal living, and live well while doing it no matter your financial situation. Inspiring, insightful and fun, the Burn Your Mortgage Podcast will transform the way you think about money and debt on your path to independent homeownership.
 
The remote work revolution is here, yet very few people and companies are prepared for it. Badass Digital Nomads aims to change that, however, by teaching you how to break free from old paradigms and thrive in the remote economy. Get ready to “laugh and learn” with veteran digital nomad, Kristin Wilson of YouTube’s “Traveling with Kristin,” as she teaches you how to master the art of working from anywhere. Professionals of all ages and backgrounds will find value in how Kristin and her guest ...
 
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show series
 
Expats Guide to Moving to Thailand Part 3: Homes in Bangkok & Jomtien Beach. Why this is the perfect combo for Expats? - The best cities to live, work & retire in Thailand? - Why Bangkok? - Why Jomtien Beach? - Affordable Real Estate & price points. Buy 2 homes here in Thailand less than the price of 1 in the US, Canada, UK, AU & NZ! - Cities & Are…
 
The annual Social Security beneficiary report was recently released and just like every other year that they release it, it has caused people to worry about their future. Social Security is a crucial, foundational element of most retirement income plans, so when you read headlines that it will run out soon how should you react? Should you go about …
 
Democrats in Washington are proposing $2 trillion in tax increases and other changes to how Americans are taxed on things like cryptocurrencies, retirement savings and stock sales. WSJ tax reporter Laura Saunders joins host J.R. Whalen with ways people can make adjustments to their finances now to soften the potential blow. Learn more about your ad…
 
Listen to how ordinary people built extraordinary wealth - and how you can too. You’ll learn how millionaires live on less than they make, avoid debt, invest, are disciplined and responsible! Featuring hosts from the Ramsey Network: Dave Ramsey, Ken Coleman, Christy Wright, Rachel Cruze, John Delony, and George Kamel.…
 
JB's still in quarantine, Ollie Wines wins the Brownlow Medal, Grand Final Entertainment, Wallabies, NRL, Cleveland Browns, Damian Barrett reviews the Brownlow, has some strong words for North Melbourne, and looks at the teams for GF Day, Billy's Joke See omnystudio.com/listener for privacy information.…
 
Ivermectin Toxicity Reviewed. Conclusion: Ivermectin Is An Extremely Safe Drug. Watch this video at- https://youtu.be/ATiX0-2PEr4 Ivermectin Toxicity Reviewed 54,415 views Peak Prosperity 407K subscribers A comprehensive review of ivermectin reveals that it is among the safest and most well-tolerated drugs ever introduced to the market. In this epi…
 
Reza Khoshdel is on a mission to help you break free of the limitations that are holding you back from being the best version of yourself. Reza is a stock trader, a co-owner of a luxury floral boutique, and a real estate investor who strives to help people get on the path of financial freedom. For Reza, financial freedom is something deeper than mo…
 
What Difference Does it Make if God Exists? - EP 1 - Does God Exist? Watch this interview at- https://youtu.be/YU8QxuqdK08 John Ankerberg Show 96.4K subscribers What Difference Does It Make if God Exists?: One in five Americans now identify as atheist, agnostic or nothing in particular. How would you identify yourself? Does the existence of God rea…
 
Executive Security Advisor at IBM Security Limor Kessem says she started her cybersecurity career by pure chance. Limor made a change from her childhood dream of being a doctor and came into cybersecurity with her passion, investment, discipline, and perseverance. Limor talks about how we must tighten our core security and at the same time we allow…
 
We take a close look at the insurance that allows you to stay in your own home. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.…
 
China Building “Ethnic Specific” Bioweapon. Gordon Chan, Laura Logan. Afghanistan. Gordon Chang: China Building “Ethnic Specific” Bioweapon That Can Target People Based on Race. The US is actively working with its enemy: Lara Logan Sources tell Lara Logan 'this is much worse than anyone realizes’ Gordon Chang: China Building “Ethnic Specific” Biowe…
 
Guest Jake Valletta, Director of Professional Services at Mandiant, joins Dave to talk about the critical vulnerability Mandiant disclosed that affects millions of IoT devices. Mandiant disclosed a critical risk vulnerability in coordination with the Cybersecurity and Infrastructure Security Agency (“CISA”) that affects millions of IoT devices that…
 
Debt, Insurance, Investing, Career As heard on this episode: Zander: https://bit.ly/2Xbn7hD Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started: Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey N…
 
Patch your Zoho software now--vulnerable instances are being actively exploited. Maximum engagement isn’t necessarily good engagement: the hidden hand of the trolls replaces the invisible hand of the marketplace of ideas. Politics ain’t beanbag, Russian edition. An indictment emerges from the US investigation into possible misconduct during the 201…
 
Debt, Career, Investing As heard on this episode: DreamCloud: https://www.dreamcloudsleep.com/delony Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started: Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more…
 
Debt, Career, Savings As heard on this episode: SimpliSafe: https://bit.ly/37NBd9g Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started: Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network po…
 
Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / For those who’ve worked various jobs over decades, there may be lost retirement accounts or a small pension you’ve lost track of. There are 25 million unclaimed 401(k)s out there containing $1.35 Trillion. Also - what to do when you change jobs. Clark.com - How T…
 
Welcome to It's A Wonderful Podcast!! The great Vincent Price is back in discussion on the main show this week as Morgan is joined by Jeannine to talk a particularly gimmicky, somewhat silly yet gloriously entertaining movie; William Castle's THE TINGLER (1959)!! The It's A Wonderful Podcast Theme by David B. Music. Join our Patreon: https://www.pa…
 
To get in contact with your state representative visit: https://www.senate.gov/senators/senators-contact.htm This Proposed Tax Bill is HUGE and has tons of implications that will affect business owners and everyday Americans. Be sure to tune into this week's podcast to learn about a few of what Mark and Mat feel are the most important proposals. We…
 
The cost of living jumped by the largest amount on record to hit 3.2 per cent in August – is it set to run out of control and prompt the Bank of England to raise interest rates? Meanwhile, a gloomy report has lead some economists to talk about stagflation once more. What is it, is it a threat and does it matter? This week, Simon Lambert, Lee Boyce …
 
Why does starting a small business sound so "sexy" by today's standards? Social media and self-help empires make taking the leap and being your own boss sound wildly appealing, but is it really worth the risk? Let's break down lots of financial statistics about business owners, along with our best advice as small business owners ourselves. You'll l…
 
Dinesh D’Souza- The General Milley/Pelosi Coup and Dan Bongino- Was Pelosi Involved In A Coup? THE REAL COUP Dinesh D’Souza Podcast Watch this entire podcast at- https://youtu.be/UUefU5AiT_w Dinesh D'Souza 623K subscribers In this episode, Dinesh reveals that military dictatorship in America is no longer a foreign bugaboo. It can happen here, it di…
 
Exiting the service where one's purpose is often clear can be challenging for so many of our service members. One's purpose can suddenly be undistinguishable. Tyler chats with Hank Barbe, Combat/Flight medic and Iraq Veteran, about his time of uncertainty and hitting rock bottom before discovering his tribe that led to his new purpose in life. His …
 
Many celebrated when the age was moved from 70 1⁄2 to 72; we did too. And not for reasons you might think. We cheered because of taxes. And no, not because you would pay more, but because we gained a few more years of good tax planning. And don’t forget qualified charitable distributions. They still have a part to play, even if your RMD was delayed…
 
Selling investments at the right moment is just as crucial as picking the right time to buy. WSJ "Intelligent Investor" columnist Jason Zweig joins host J.R. Whalen to discuss how emotions can affect investors' decision-making, and how to avoid that trap. Learn more about your ad choices. Visit megaphone.fm/adchoices…
 
BT's phone has flames coming off it, Brownlow Medal chat, Billy's worst finals moments, St Kilda Captain Jack Steele, Brown-Low Moment - Dipper, Idiot File, Billy's Fruity Friday Joke See omnystudio.com/listener for privacy information.By Triple M
 
Listen to how ordinary people built extraordinary wealth - and how you can too. You’ll learn how millionaires live on less than they make, avoid debt, invest, are disciplined and responsible! Featuring hosts from the Ramsey Network: Dave Ramsey, Ken Coleman, Christy Wright, Rachel Cruze, John Delony, and George Kamel.…
 
Rudy Giuliani, Mark Levin. Treasonous General Milley Seized Nuclear Option from President Trump. Milley Will Turn On Joe Biden (w/ Rudy Giuliani, Phill Kline, Jason Miller) Bannon's War Room Sep 15 2021 Giuliani reveals the leftist tactic to criminalize election questioners and we get a update on Pennsylvania from Phill Kline. Our guests are: Rudy …
 
Debt, Relationships, Business As heard on this episode: NetSuite: https://bit.ly/2WBLh5c Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started: Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Netw…
 
Debt, Taxes, Relationships As heard on this episode: Zander: https://bit.ly/2Xbn7hD Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started: Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network p…
 
Denial-of-service at a German election agency, as Federal prosecutors investigate GhostWriter. More nation-states get into election meddling. South Africa works to recover from a ransomware attack against government networks. A cryptojacking botnet moves from Linux to Windows. A ransomware gang threatens to burn your data if you bring in third-part…
 
Debt, Career, Savings As heard on this episode: Christian Healthcare Ministries: https://bit.ly/2XBZfE3 Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started: Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out m…
 
Should you stock up on essential supplies? Clark has a different angle on deciding what to buy. // Were you expecting a refund on your auto insurance during the pandemic that never came or was less than expected? If you’re the 1 in 3 people driving less, you’re subsidizing other drivers. Clark has a suggestion to help you save on auto insurance. As…
 
Election Fraud Overview, A Cold Civil War, VERITAS ATTACKED Mike Lindell’s Overview of his Recent Cyber Symposium on the 2020 Election Fraud. Are We Already In A Cold Civil War? - The Dan Bongino Show VERITAS ATTACKED: $165K STOLEN Mike Lindell’s Overview of his Recent Cyber Symposium on the 2020 Election Fraud. The Eric Metaxas Show Mike Lindell S…
 
More merchants are teaming up with "buy now, pay later" companies to offer consumers with poor credit or no credit the opportunity to pay for products in installments. WSJ consumer credit reporter AnnaMaria Andriotis joins host J.R. Whalen to discuss how the programs work, and the risks involved. Learn more about your ad choices. Visit megaphone.fm…
 
On this episode of the Planned Solutions Incorporated Podcast, The Social Security retirement program is now projected to exhaust its reserves by 2033. After that point the Administration will only have enough money to cover 76% of current projected benefits. Therefore, it is likely that changes will need to be made to Social Security benefits at s…
 
Take early! This could be a massive mistake for many US citizens. Not only do you suffer permanent income loss, but you could be setting up the IRS to take your lunch money as well. Connect with Financial Enhancement Group: Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup Join our Facebook Group at www.yourlifeafterwork.com/Fin…
 
Is the grass greener on the other side? Maybe! But it sure seems like work is awesome for knowledge workers during the pandemic. I discuss this topic with my wife. We'll talk about public school rankings later! Posts mentioned: Working During A Pandemic How To Convince Your Spouse To Work Longer So You Can Retire Earlier…
 
Perth weather, GF tickets gone-ski, Billy's having a mare trying to read out footy news, Joe Biden forgets ScoMo's name, Footscray legend Simon Beasley, Melbourne's Tom Sparrow, Brown-Low moments, Billy's Joke See omnystudio.com/listener for privacy information.By Triple M
 
Where should you be parking the proceeds from a recent home sale? Well, that depends, will you be looking to buy another house in the near future? Have a money question? Email us, ask jill [at] jill on money dot com. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.…
 
Debt, Business, Home Buying As heard on this episode: Christian Healthcare Ministries: https://bit.ly/2XBZfE3 Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started: Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check…
 
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