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Money Talks tackles everything to do with investing, markets, the economy and your money. How to make it, how to spend it, how to grow it, and how to avoid letting it get away. Well-connected, articulate and knowledgeable, Michael Campbell is one of Canada’s most respected business analysts. From real estate to the stock market, from interest rates to currencies - plus a dash of current affairs and the odd critique of economically illiterate and illiberal governments.
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Tides of History

Wondery / Patrick Wyman

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Everywhere around us are echoes of the past. Those echoes define the boundaries of states and countries, how we pray and how we fight. They determine what money we spend and how we earn it at work, what language we speak and how we raise our children. From Wondery, host Patrick Wyman, PhD (“Fall Of Rome”) helps us understand our world and how it got to be the way it is. Listen to Tides of History on the Wondery App or wherever you get your podcasts. You can listen to bonus episodes available ...
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Streaming is scattered. You need to know what's worth your time Taking It Down offers TV recommendations, where to find them, and thoughtful ideas on each show: recs first, analysis later. Watch TV from a different angle. Every Tuesday morning, editor-in-chief of The Alabama Take Blaine Duncan is joined by Adam Morrow, Donovan Reinwald, and others to discuss, dissect, and dive into TV and streaming. You've earned your time; learn where to spend it.
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Our bodies are adapting and changing to meet the demands of the Information Age. What is happening? And what can we do about it? This six-part series is an interactive investigation into the relationship between our technology and our bodies...and how we can fix it.
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Hosted by Andy Green and Felix Scholz, OT: The Podcast is all about watches, time and how to spend it. Join us as we offer up quasi-professional watch matchmaking advice, interview guests as well as discuss the latest releases, news and issues. If you like watches, then this is the podcast for you!
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We all have questions about money; how to earn it, how to spend it, and the best ways to invest so we can watch it grow. The Friends With Money podcast, created by Money Magazine (Australia’s longest-running and most-read personal finance magazine), shares its extensive network of finance experts, in-depth knowledge of markets and timely advice to help you understand the world of money. Hosted by senior writer, Tom Watson, and editor-in-chief, Michelle Baltazar, Friends With Money is a weekl ...
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Overwhelmed at the thought of reading the Bible? New to the idea? Or looking to get more out of it? Spend time each day hearing from Nicky and Pippa Gumbel as they take you through the whole Bible in 365 days and help you to understand it better. Drawing out a theme for each day from the designated Bible readings, Nicky and Pippa’s thoughts on the Proverbs, Psalms and New and Old Testament excerpts are full of insight, wisdom and application.
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Smart Tech Spending is a podcast designed to help growth-driven businesses and mission-driven nonprofits gauge the success of their technology investments and overcome the challenge of measuring their tech ROI. Hosted by managed IT services consultant, Nicole Lefsky of Jersey IT Group, each episode features an interview with an executive or thought leader discussing topics like: Are you spending too much or not enough when it comes to technology services? How to avoid unplanned tech expenses ...
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The Dough

Lemonada Media

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We don’t know about you, but we’re trying to retire early over here, so thank goodness The Dough is back for season 2 with a brand new format! This season, host X Mayo (The Blackening, The Daily Show, Swarm) returns for weekly conversations with reality stars, entrepreneurs, financial experts…basically anyone who will get real with her about their relationship with money. We’re talking to people about the risks they take to make the dough, how they spend it, and how they save it. New episode ...
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You spend a quarter of your life at work. You should enjoy it! Organizational psychologist Adam Grant takes you inside the minds of some of the world’s most unusual professionals to discover the keys to a better work life. From learning how to love your rivals to harnessing the power of frustration, one thing’s for sure: You’ll never see your job the same way again. Produced in partnership with Transmitter Media.
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For those who have money… or want more of it! Join Mindy Jensen and Scott Trench (from BiggerPockets.com) weekly for the BiggerPockets Money Podcast. Each week, financial experts Mindy and Scott interview unique and powerful thought leaders about how to earn more, keep more, spend smarter, and grow wealth.
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Overwhelmed at the thought of reading the Bible? New to the idea? Or looking to get more out of it? Spend time each day hearing from Nicky and Pippa Gumbel as they take you through the whole Bible in 365 days and help you to understand it better. Drawing out a theme for each day from the designated Bible readings, Nicky and Pippa’s thoughts on the Proverbs, Psalms and New and Old Testament excerpts are full of insight, wisdom and application.
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On KDTime, KD talks about a mix/variety of different things anywhere from life, culture, sports, music, movies, tv shows, food, dating and so much more. Join and laugh with me as I navigate it all, spend some time with the host KD! Follow on Twitter and Instagram @KDTimePodcast https://linktr.ee/KDTime Support this podcast: https://podcasters.spotify.com/pod/show/kdtime/support
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Well hello there. Glad you’ve found us here at Spend it Widely. What is ‘Spend it Widely’ you ask? Good question - it’s a non-stop comedy romp through the world of travel hacks (free upgrades anyone), holidays, secrets to getting more when drinking cocktails and eating out, and generally helping you live beyond your means without overspending. Some say we’re funny, most people say we’re a little insane, we think it’s all a bit of a laugh - and the champagne certainly helps.New episodes every ...
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Join Tegan, Rocky and Brian as they hurtle through keeping up with modern video games. They'll cover big games, indie games, mobile stuff, good games and bad games. While they're at it they'll also spend time trying to figure out where games fit in our rapidly changing world. Also cheap jokes.
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Welcome to Money and the Mattress. I'm Kim Minert, the most unlikely person on the planet to host a podcast about money. If you're playing the stock market like a pro, stashing cash under the mattress, or like me, a creative mixture of both. You've stumbled upon the right place. Here, there are stories from everyday humans who have learned life lessons the hard way and advice from experts on how to make more money, save more money, and when you spend it, do it with style. We will guide your ...
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Do you love having a podcast, but hate the amount of time you spend on it? Feel like you're spinning your wheels trying to grow while also putting out a quality show? This is the show for you. Podcast Workflows provides insights into how to improve your podcast systems and workflows — allowing you to create and grow a high quality podcast by showing you how to best spend your limited time. Join podcast systems coach and host Joe Casabona to get get deep dives into how popular podcasters crea ...
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Imagine listening in on these raw, unfiltered conversations with real couples… One partner is in $300,000 in debt, but shrugs it off. The other cries at night, anxious about the future. A couple that’s so worried about money, they never feel they’ll have enough. When they eat out, they order chicken instead of steak to save $10. Their household income: $600,000. Two parents who feel overwhelmed by work, kids, and debt. When I ask them how they’d describe their lives, they instantly say the s ...
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Welcome to Make Peace With Food, the podcast that revolutionizes your relationship with food and your body. Hosted by Emily LaVoie, an eating psychology coach dedicated to helping you silence the inner critic and find joy in eating again. Join Emily as she shares her journey from food fear to food freedom, offering insights, strategies, and stories that will inspire and empower you to break free from the cycle of dieting and disordered eating. In each episode, Emily dives deep into topics li ...
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"Lost Ballparks", with Mike Koser, is a podcast that takes you on a journey to the golden age of baseball's lost ballparks as told by the players, broadcasters, batboys, clubhouse managers, groundskeepers, umpires and fans who provide firsthand accounts of what it was like to spend a summer afternoon at Ebbets Field, the Polo Grounds, Forbes Field, Yankee Stadium, Comiskey Park, Crosley Field and many more.
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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 ...
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Happy Wife Happy Life

Kendahl Landreth and Jordan Myrick

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Kendahl Landreth and Jordan Myrick are two very unqualified (but deeply in love) comedians who are here to help you navigate all things relationships. They’ll help you answer questions like “should I join a throuple?”, “is long distance worth it?”, “will eating 200 oysters actually help my libido?”. And since it’s healthy to spend time with people besides your partner, Kendahl and Jordan will sometimes be joined by love experts and celebrity guests. If your love life is not what you want it ...
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Every week your hosts Shawn Watson and Jordan Stewart will pick a movie that scored between 25 and 75% on Rotten Tomatoes. After watching the movie, we’ll spend some time talking about it and why it landed such mediocre reviews. Join us as we try to figure what went wrong and how it might have gone better.
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'Shop Talk' Podcast has gotten an SEO and branding facelift! Hosted by Al Grego (host of the award-winning ‘Yes, We Are Open’ podcast), this monthly show is packed with great advice, stories, trends and thoughtful data analysis to help you grow your business. So you need to subscribe now! Why? Because it's 'Just Good Business'!
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What if you could save 12+ hours per week in your business? Being a solopreneur sometimes focuses too much on the “solo” part: doing all the jobs, figuring things out yourself, and spending too much time in your business. But we didn’t start our own solo business to spend all of our time at our desk. We did it because we want freedom: to travel; to spend time with our family; to watch a movie in the middle of a week day. That’s why Streamlined Solopreneur exists. Each week, host Joe Casabona ...
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Learning Unboxed

Annalies Corbin & NOVA Media

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We hear, frequently, that the global education system is broken, and as a result, we spend billions of dollar trying to fix it. But the K-12 system isn’t actually broken at all – it’s working exactly as it was designed, 100 years ago, and it’s obsolete. So in Learning Unboxed, we will have a conversation about teaching, learning, and the future of work; we will reimagine, rethink, and redesign our educational system.
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Treasured Momma: Simple Systems For Christian Motherhood

Kori Messer - Kingdom Life Coach, Mompreneur, Womens Bible Group Host, Mom mentor

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Are you tired of feeling overwhelmed by overcommitted motherhood? Do you ever silence your struggle even though you crave authentic support? Have you ever felt unseen, unfulfilled, or guilty for wanting something different? Wouldn’t you love to gain more time to connect in a Jesus-loving, meet-me-in-the-messy-middle type of community? There is a way to replace feeling like you’ve lost yourself in the overwhelm of the day-to-day to-do list. You can simplify and organize your life so you can c ...
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Retirement Starts Today

Benjamin Brandt CFP®, RICP®

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Do you want to spend more money in retirement, while paying less taxes? Great news, you're in the right place! I'll also teach you the benefits of retiring TO something, while most retirees only solve half the equation by retiring FROM something. Tune in every Monday morning - hosted by Benjamin Brandt CFP, RICP. Join my "Every Day is Saturday" weekly newsletter for show notes, free book giveaways and other great retirement content: www.retirementstartstodayradio.com/newsletter
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Are You Trapped in a Life Someone Else Chose for You? Let's Change That, Together. 🎙️ Hey there, I get it. You're stuck in a world that doesn't get you, right? Everyone around you talks about 'safe jobs,' 'retirement at 65,' and you're just sitting there thinking, "There has to be more than this." I know how heavy that can feel. You've been told to follow the "traditional track," get a stable job, and save pennies for your retirement. Deep down, you sense this isn't for you. But the fear... ...
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What do you do? And how do you do it? Most of us spend a lot of time at work. Sometimes our jobs define us, and Mike Simpson wants to learn about yours! From paleontologist to Oscar Mayer Wienermobile driver, we're hitting the road to get a look at how we're all making a living. Come feed sea otters, restore a car, park a cargo ship and cuddle a cow with us! New episodes on Thursdays.
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Each week, the What It Means podcast invites Forrester analysts to discuss the latest trends and challenges to help business and technology leaders make bold decisions and become truly customer-obsessed. Topics range from tech-driven innovation and CX design to B2B buying trends and marketing planning.
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Comedian Adam Blank hosts "Remember The Game?", a retro gaming podcast. Each week, Adam and his guest will select a video game that they grew up playing, and spend time reminiscing about what they loved (or hated) about it. Not intended to be a history lesson, "Remember The Game?" is more like a conversation you'd overhear on the playground as a kid. The discussions are all over the place, and are guaranteed to fill you with that warm, nostalgic feeling. (Or rage, like you felt with the unde ...
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Join our experts for a discussion of current hot topics in the corporate world. We talk about a wide range of themes that can affect corporate financial performance, from artificial intelligence and M&A trends to sustainability and corporate leverage, among many others. Aimed at financial professionals, but we do our best to keep it simple.
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You ever think to yourself, "what the heck do I post to my Instagram account?!" You want to get more comments, but the tips and hacks you try just aren't cutting it. And you're a busy mompreneur, so you don't have the time to do a ton of research to get it done. But you know an engaged account is what's going to help you sell your offers on Instagram. I get it. And I've been there! Mompreneur Mastery is all about helping mompreneurs strategize and plan their Instagram content so that they ca ...
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Do you want to start your own business? Great! But how do you actually do it? Don't worry, we've got you covered on Shopify Masters, an official podcast from Shopify. Each week, hosts Shuang Esther Shan and Adam Levinter sit down with entrepreneurs and e-commerce experts as they share their experiences running successful online stores. Learn how to create social media ads that pay off, how to optimize your website for sales, what it takes to find the right supplier and so much more.
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Welcome to Ross Recommends. The simple aim: To help you get more out of your spare time! We've never had more options on what we can watch, read, visit, eat, drink and generally do -- but the paradox of choice is that it can be paralyzing: Sometimes it feels like we spend longer scrolling through streaming channels than actually watching them! That's where Ross Recommends comes in. Every week, radio legend and former lawyer Ross Stevenson will be joined by experts and friends to talk about w ...
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Whether you are the benefits manager or CEO of your organization, one of the biggest drivers of organizational performance, that most get totally wrong, is the health and benefits strategy. We spend billions on benefits, yet healthcare is unaffordable and complicated. More than half of Americans don't even take their paid vacation, yet people are burning out faster than ever and remote work is scrambling company cultures. It doesn't have to be this way! Great benefits can attract and retain ...
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Your friends might not want to talk about money, but I do! Hi, I’m Ruth and I’m a blogger on Personal Finance and in this podcast I tell the stories of Kiwis and their experiences with the money in their lives. How do they use it or how does it use them? Where do they save and invest it and does it work? What are their financial triumphs and financial train wrecks? How can you extract the most out of life and spend as little as possible while doing it? Join me as I ask the questions everyone ...
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This is MoneyWise, a podcast where host Sam Parr is joined by high-net-worth guests to explore exclusive insights into personal finance and lifestyle tailored for other high-net-worth people, or those on their way. They'll get radically transparent about the numbers, revealing things like their burn rates, portfolios, and spending habits. Who is Sam Parr? Sam is a serial entrepreneur and the co-founder of The Hustle, which he sold to HubSpot in 2021. He's also the co-host of one of the world ...
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Making Shift Happen

Jen Kates with Shift Human Performance

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Jen Kates from Making Shift Happen reveals all of her evidence-based strategies for living a healthier and more vibrant life that fits with your busy schedule. Her methods show you how to experience food and fitness freedom, which means you don’t spend endless hours each day in the gym without guidance and clarity or in the kitchen meal prepping your life away. It also means you don’t spend an insane amount of time thinking about food – because, let’s be real: there are a LOT more important ...
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An Elanore and Gurt Tale: Book Two It was going to be a quiet weekend in the country. Elanore was going to spend it chatting with courtly gents about matters of higher importance or something. I was going to make sure she didn’t embarrass herself too much at the table. Yeah, those plans never work do they? Instead there’s a body in the library and we are up to our necks in murder and soup spoons.
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Michelle, 42, Ryan, 43, return for a deep dive into their Conscious Spending Plan. They spend $763 a month on Target, $1,185 a month on Amazon, and $1,230 on groceries—carrying a fixed-costs percentage of 113%. Drastic changes are needed, but Michelle isn’t convinced anything can be done to save their outlook. This episode is brought to you by: Roc…
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Samantha Kent is the founder of the pure beauty company, The Cleanest Lab, and the chief growth officer of her family's beauty manufacturing business, LaDove. She shares why customers will notice (and keep coming back) for high-quality products. To learn more about The Cleanest Lab and for show notes: https://www.shopify.com/blog/the-cleanest-lab-m…
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When should you refinance your mortgage? Is now the time since interest rates have finally fallen? Or will refinancing down to today’s rates not be worth it when, six months from now, interest rates could be substantially lower? We brought on an expert mortgage loan officer to walk through the cost-benefit analysis of refinancing in 2024 and when a…
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Psalm 109:1-20, Isaiah 47:1-49:7, Galatians 5:7-26. We may also experience conflict when we stand up for the truth within the church, or when we engage with the prevailing culture Even in the UK, a country that has traditionally been seen as ‘Christian’, the culture is becoming increasingly hostile towards the Christian faith…
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Clark has tips for mortgage and other loan shoppers, including advice about credit inquiries, and the importance of OptOutPreScreen in your life. Also, when it comes to establishing credit, it’s important to get it right the first time. Clark shares credit building know-how for young adults & college students. OptOutPreScreen: Segment 1 Ask Clark: …
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We’re excited to tell you about a brand new storytelling show – hosted and produced by the amazing Lupita Nyong’o – that we are just loving. It’s called Mind Your Own, and it’s about navigating what it means to belong, all from the African perspective. Lupita Nyong’o knows what home feels like. But where exactly is it? In Mexico, where she was born…
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Gladiators are one of the most enduring symbols of the Roman world, but what do we really know about them? Gladiator historian Alexander Mariotti joins me to discuss the logic behind gladiatorial games, the lives of real gladiators, and how the reality contrasts with the popular image we have today. Patrick's book is now available! Get The Verge: R…
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Hey everybody! It's our show's finale and we're talking about a job that Mike wishes he knew about earlier: master builder at LEGOLAND. Do you ever wonder how they build those cityscapes or dinosaurs? Or what kind of test you have to take to get such a fun gig? They go through millions of bricks and we're taking a tour of the workshop! Thanks for l…
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Hey there, Momma! I know life can feel overwhelming, especially when your home feels out of control. Today, I want to share a practical and simple 3-step process I call the Tiny Tidy—designed to help you bring peace to your home one room at a time. If you’ve been struggling to keep up with the mess but don’t know where to start, this is for you! Yo…
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Ariane Goldman founded Hatch out of a personal need and set the tone for maternity fashion nationwide. Her business caught the attention of Marquee Brands, where Ariane now oversees an entire maternity parent company across multiple product categories including the brands Motherhood Maternity, A Pea In The Pod and Destination Maternity. She shares …
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Psalm 108:1-5, Isaiah 43:1-44:23, Galatians 3:26-4:20. In the passages for today, we see how much more than just ‘nice’ God is – his goodness, amazing love and faithfulness We also see that not only does he ‘like’ you, he loves you – you are his ‘precious and honoured’ child (Isaiah 43:4)By Nicky and Pippa Gumbel
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Today, a warning about hotel frequent stay programs. Hotel points have been significantly devalued. Clark breaks down who should be brand loyal and who should not bother. Also, Clark has an update on something he’s talked about on the show - laundry detergent sheets. So do they work? Hotel Rewards Downgraded: Segment 1 Ask Clark: Segment 2 Update: …
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Are you on social media? Of course you are. So follow us! Twitter: @MemberTheGame Instagram: @MemberTheGame Twitch.tv/MemberTheGame Youtube.com/RememberTheGame Facebook.com/RememberTheGamePodcast TikTok.com/@MemberTheGame And if you want access to hundreds of bonus (ad-free) podcasts, along with multiple new shows EVERY WEEK, consider showing us so…
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Thematic ETFs can give investors exposure to particular sectors, geographies or trends happening in the broader market, but they’re not without their risks. This week on the Friends With Money podcast, Money’s Tom Watson is joined by founder and chief executive of Stockspot, Chris Brycki, to dig into thematic exchange traded funds and the role they…
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Proverbs 22:28–23:9, Isaiah 41:1–42:25, Galatians 3:10-25. Furthermore, it is God’s plan that the church, through the victory of Christ and the power of the Holy Spirit, can and will succeed So, the St Andrew’s cross broadens out again as the members of the church of Jesus Christ become the servants of God with a mission to call all humanity back t…
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Ever wondered what it feels like to be the richest person in a tiny town in the middle of nowhere? Today’s guest, Travis, is worth $50m, yet he’s never been tempted to leave his hometown of 2400 people. Travis has already had an exit of $25m, and he’s about to double that with a second exit. Now he’s navigating life as the local big shot. From curi…
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It's the weekly episode with Blaine beginning things on how he came to DIRECTV and it almost got bad (1:36). Blaine then recounts not just how he came to enjoy the FX/Hulu show 'English Teacher' but what about it was the turning point -- all without spoilers (3:03). Then Blaine and Donovan decide that 'The Old Man' from FX/Hulu will deserve their a…
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Meet Forest, 40, and Kathleen, 43, a couple living in California with two kids. Despite Forest’s $300k salary, they’ve racked up $150k in credit card debt. They want to maintain their adventurous lifestyle, but the reality of their finances is catching up. Can they change their mindset on money before it’s too late? This episode is brought to you b…
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Today - we are going back to basics on saving. Recent stats are cause for concern about consumer spending and our average saving rate. Also, there’s a surge in Ponzi schemes stealing hundreds of millions from would-be investors. Clark relates real accounts of recent schemes and the red flags to look out for. Saving-First And Automatically: Segment …
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Hey, beautiful mommas! Today’s episode will be powerful because we’re diving into one of the most central and transformative truths of our faith—the blood of Jesus! We will talk about the incredible freedom and power we receive through Jesus’ blood, and I also want to highlight my dear friend Joseline, who just released a stunning single called 'Th…
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Visit PassivePockets, your resource for passive investing with syndications. Passive investing is most people’s goal, especially if they’re trying to achieve FIRE. They don’t want to be weighed down by managing a dozen rental properties, an active business, or a complicated stock portfolio that requires constant check-ins. Instead, many of us want …
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Nick shares how his "Go One More" philosophy has been the cornerstone of his success, both in business and in life. From funding his business with a military loan while still in college to dedicating his free time to building Bare Performance Nutrition, Nick's journey is a testament to resilience and commitment. For more stories on how failures can…
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Sarah Silverman is a comedian, actor and writer who doesn;t shy away from saying what she thinks. Her bold, distinctive voice has taken her from Saturday Night Live and Seinfeld to Broadway plays, late-night TV and Disney animated movies. Sarah shares surprising stories about turning haters into fans, and she and Adam discuss strategies for defusin…
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Welcome to Happy Wife Happy Life! We're your hosts, Kendahl Landreth and Jordan Myrick: two very unqualified (but deeply in love) comedians who are here to help you navigate all things relationships. On this week's episode, we went to a wedding convention and asked all your burning questions about marriage, party planning, and money! The top expert…
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Usually, one-on-one coaching is reserved for business executives, but Joel Nicholson’s mission is to bring it to students. Joel is the co-founder of Youthfully, a coaching and development platform for students. He’s our guest on the show today. Joel explains Youthfully’s holistic and non-directive coaching philosophy. He walks us through their proc…
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Today, Clark discusses the two main problems with gift cards and what one state is trying to do to prevent gift card scams. Also in this episode, the scourge of ATM fees. Learn where they are the highest, and how you can avoid paying them. Gift Card Problems & Reforms: Segment 1 Ask Clark: Segment 2 Avoiding ATM FEES: Segment 3 Ask Clark: Segment 4…
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Are you actually prepared to navigate the complexities of retirement? We’re exploring Fritz Gilbert’s Six Lessons From Six Years of Retirement, shared from his blog The Retirement Manifesto. One by one, we’ll walk through these lessons, keeping in mind that retirement is an evolving journey, not a static experience. For those who still need to opti…
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Send us a text Are you just throwing posts up on Instagram and hoping for the best? 🚫 In today’s episode, we’re diving into how to give every Instagram post a purpose so it actually works for your business. Whether you’re trying to build trust, drive traffic, or close sales, it all starts with a clear strategy. 🙌 If Instagram feels like one more th…
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Recently my friend Justin asked on X, “How do you define success?” I said, “Can I knock off for a day at will to spend time with my family?” The world constantly tells us we need to hustle to be successful – but that can’t be true. If you’re a parent, for example, hustle is just not an option. That’s why I’ve brought on Terry Toh. Terry helps busin…
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Send us a text In this episode, I share the story behind how I hosted a networking event. We managed to get over 50+ people to attend. Support the show HOW TO SUPPORT THE WALK 2 WEALTH PODCAST: 1. Subscribe, Rate, & Review us on Apple Podcasts, Spotify, YouTube, or your favorite podcast platform. 2. Share Episodes with your family, friends, and co-…
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Lobo Tiggre of the Independent Speculator joins guest host Victor Adair to share his thoughts on investing in the precious metals and critical minerals spheres. Neil McIver on his newly launched hedge fund, the Vancouver Growth Portfolio, Ozzie on slowing real estate, and Rob Levy with a deep dive into gold markets. See omnystudio.com/listener for …
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Ever wonder how to make your podcast stand out in a sea of content? After a serendipitous conversation at Podcast Movement 2024, I uncovered a game-changing strategy that could revolutionize your approach. Spoiler alert: It involves segments. I'll break down why rethinking your podcast structure can make a big difference. We'll explore how segments…
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