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Can we learn to make smarter choices? Listen in as host Katy Milkman--behavioral scientist, Wharton professor, and author of How to Change--shares stories of high-stakes decisions and what research reveals they can teach us. Choiceology, an original podcast from Charles Schwab, explores the lessons of behavioral economics to help you improve your judgment and change for good. Season 1 of Choiceology was hosted by Dan Heath, bestselling author of Made to Stick and Switch. Podcasts are for inf ...
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Cognitive and emotional biases can have a big impact on your financial life. Each episode of Financial Decoder looks closely at one financial decision--and the biases that might cloud your judgment and cost you money. Host Mark Riepe, head of the Schwab Center for Financial Research, decodes the behavioral and psychological factors at play and shares strategies designed to improve the way you approach financial crossroads. Other experts join Mark to provide their unique perspective on behavi ...
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Our finances, portfolios and the markets are affected daily by the policies and politics coming out of Washington. In each episode of WashingtonWise, host Mike Townsend, Charles Schwab’s Vice President for Legislative and Regulatory Affairs, focuses a non-partisan eye on the stories that matter most to investors, and his guests offer actionable suggestions for what to do--and what not to do--with your portfolio. Podcasts are for informational purposes only. This channel is not monitored by C ...
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Get the fearless truth about start-ups and corporate Australia from guys that give you the hard facts, not the company line. Hear Luxury Escapes co-founder Adam Schwab and Catapult Sports Exec Chairman Adir Shiffman provide the inside word on the biggest stories in business with a contrarian take from the guys who sit on both sides of the table. New episodes dropping weekly.
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Improve your knowledge about organ, tissue and eye donation as your hosts Lori Steele, Nila Schwab, and Joey Boudreaux have entertaining and informative conversations about donation. We address donation in the news, myths about donation, what's new in the community, new technologies, special guest interviews and much more.
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Moriel Ministries is active in the area of discernment withstanding the popular apostasy in the contemporary church that The Word of God warns would precede the return of Jesus. We remain firmly aligned to the conviction that contemporary events in The Middle East , Europe, and in the church make the present time in history different from other eras when people thought it was the last days. We affirm the belief that Jesus is coming again and prophecy of His return is radically being fulfille ...
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Are you ready to take control of your financial life? Jill Schlesinger, CBS News business analyst and Certified Financial Planner, is here to help! On MoneyWatch, Jill will help you conquer the fear and anxiety of financial decisions, as she answers your questions about all things money. Have a question? From retirement, to career changes, to college funding and the right mix of investments to reach those goals, email Jill at askjill@jillonmoney.com. Tune in for new episodes every Tuesday an ...
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A stock market news podcast and educational program available to stream without a subscription. Get real-time insights, commentary from CEOs and market experts. Schwab Network is brought to you by Charles Schwab Media Productions Company (“CSMPC”). CSMPC is a subsidiary of The Charles Schwab Corporation and is not a financial advisor, registered investment advisor, broker-dealer, or futures commission merchant. THE SCHWAB NETWORK SITE, CONTENT, APPS, AND RELATED SERVICES, ARE PROVIDED ON AN ...
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Veteran actor/director Kaipo Schwab sits down with some of the hardest working actors in the game to discuss how they hustle to excel in their craft. Support this podcast: https://podcasters.spotify.com/pod/show/actorshustle/support
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Federal Tax Updates

Roger Harris, EA and Annie Schwab, CPA

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CPAs, Enrolled Agents, and Tax Preparers can keep up-to-date with the latest federal tax information while earning NASBA approved CPE credits and IRS approved CE credits by listening to the bi-weekly Federal Tax Updates podcast. The hosts Roger Harris and Annie Schwab have over 75 years of tax experience between them, which has been featured in various media outlets including Wall Street Journal, USA Today, The Morning Business Report, Bloomberg Business News, and Accounting Today.
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High Intensity Business is a high intensity strength training and strength training business podcast offering content to help you realise your health goals, become a great personal trainer, and build a successful HIT business. Content includes training protocols, workouts, exercise science, nutrition, and biohacking. From a HIT business perspective, we cover personal training, coaching, startup, sales, marketing, operations, systems, hiring, scaling, etc. Guests include Dr Doug McGuff, Drew ...
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We're here every week to talk White Sox Baseball. Four White Sox fans from the Northwest side of Chicago that grew up going to Sox games. From the Big Hurt to Paulie K to TA, we are on our 4th generation of White Sox teams and we love the pain of losing as much as we love the joy of winning. Our show covers an array of topics. We are always looking to keep things in perspective with a positive outlook but always looking for ways to constructively criticize our beloved. We also like to spend ...
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On We're All In This Together, leadership, teamwork, and company culture expert Mike Robbins shares his wisdom and insight, and also interviews interesting and influential business leaders, thought leaders, and change makers. Over the past 20 years, Mike has partnered with people, leaders, and teams within top organizations like Google, Wells Fargo, Microsoft, Schwab, the NBA, Genentech, eBay, the Oakland A's, and many others. He gets real about his own experience and with his guests, so tha ...
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Welcome to the Shades of Magic Readalong! This podcast actually started on Youtube as a way to help readers catch up on the Shades of Magic Trilogy before the release of The Fragile Threads of Power. In this readalong I will cover sections of the books in each episode, giving an overview of the plot as well as some inside info into the writing process.
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Join Eli Schwab (comic author) and Manus Dunbar (Nerd Swag MC) as they chat about comics, music, toys, video games, SPIDER-MAN, TV, movies and everywhere they intersect. Also search "Can I Thwipp It TV" on youtube for more!!
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Deadly Testament is a true crime podcast that explores the dark side of inheritance and life insurance. In each episode, Jen Schwab tells the story of a murder or murders motivated by greed, envy, or revenge. From spouses who kill for money, to relatives who plot against each other, to strangers who target wealthy victims, Deadly Testament exposes the secrets and lies behind these crimes. Join us as we unravel the mysteries and uncover the evidence that led to justice. Support this podcast: ...
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Welcome to "Retire Right: A WYZE Wealth Advisors Podcast," where planning your future is at the heart of every conversation. Hosted by seasoned Wealth Advisor Ryan Wyatt, CFP®, CIMA®, this podcast offers a deep dive into the complexities of retirement planning for those aged 50 and over aiming for $1 million or more in retirement savings. Each episode of Retire Right focuses on the crucial questions that keep you up at night: Can you meet your retirement goals? How much can you spend during ...
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From the open to the close, “Closing Bell” and “Closing Bell: Overtime” have you covered. From what’s driving market moves to how investors are reacting, Scott Wapner, Morgan Brennan and Jon Fortt guide listeners through each trading session and bring to you some of the biggest names in business.
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Whoever said history was boring clearly never heard these stories…Welcome to Jewish History Nerds! Join hosts Yael and Schwab each week as they take a dive into some deep cuts of Jewish history. From the Jewish Da Vinci Code to mass suicide pacts, explore true stories that feel larger than life. Be in touch: nerds@jewishunpacked.com
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Learn the strategies and techniques used by the ultra-wealthy to maximize their wealth. In this podcast, Dave Alison and the team at Alison Wealth will discuss relevant topics to help you build, grow, and protect your wealth. About The Host: Dave Alison, CFP®, EA, BPC is a nationally recognized advisor with a passion to make clients’ financial lives easier through integrated holistic wealth management. His professional capabilities to engineer advanced financial, tax, investment, insurance a ...
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MintCast

MintPress News

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Welcome to MintCast, the official MintPress News podcast hosted by Mnar Muhawesh. MintCast is an interview podcast featuring dissenting voices, independent researchers and journalists the establishment would rather silence.
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Podcast dedicated to the history, science and legacy of the all-time classic film and one of the greatest works of art of the twentieth century, Arthur C. Clarke and Stanley Kubrick’s 2001: A Space Odyssey.
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BREWS CULTURE

Daydreamer Network & Bit Cultures

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This show is about Beer and Video Games. Join host Evan Schwab of Bit Cultures (mostly) weekly as he pairs a new beer to a new game! From microbrews to legendary graphics and IPAs to RPGs, explore the world of craft beer and critically-acclaimed games. Grab a pint and tune in!
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MedPEP

PHS - Physician Health Services

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The first season of MedPEP, the Medical Professionals Empowerment Program, stars Dr. Marie Curious, a physician, physician's wife and mother of toddlers, who is attempting to douse the flames of physician burnout. Listen as Marie and her guide, Dr. Les Schwab, interact with experts with the wisdom and experience to help anyone who is overwhelmed by the stresses and pressures of a nearly impossible job. After you have listened, take our free CME: https://www.medpep.org/cme
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Host Steve "Murph" Murphy (retired DEA Agent, featured in NARCOS on Netflix) takes you inside the most intense and fascinating true crime stories in the world. Real life tales from the most notorious cases everyone knows and some you've probably never heard of (until now) from those who broke the law and those who were sworn to enforce it. Murph asks the questions and gets into the true stories from the real life players in the biggest, baddest, most dangerous game of all -- the Game of Crimes.
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International Authors, Speakers, and Researchers, Timothy Jay Schwab and Anna Zamoranos-Schwab founded The God Culture in 2018 leading a team of researchers in locating the legendary land of gold Ophir. This led to the location of Sheba, Tarshish, Garden of Eden, Rivers from Eden, and more. This channel will expose the leaven in scholarship and tradition. If you arrived here seeking the truth, you shall find it. Their series first began on YouTube and then in book form now read in over 100 c ...
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Superdraft 2001

The Age and Sydney Morning Herald

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Superdraft 2001: the day that changed the game. Over four episodes Emma Quayle will be speaking to some of the key players in the Superdraft including Luke Hodge, Luke Ball, Chris Judd, Dane Swan, Peter Schwab, John Turnbull, Steve Johnson and Jimmy Bartel.
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SmarterMarkets™

Abaxx Technologies Inc.

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SmarterMarkets™ brings you the entrepreneurs, icons, and executives of commodities, capital markets, and technology to rant on the inadequacies of our systems and riff on ideas for how to improve them. Our weekly episodes explore how technology can be leveraged to redesign and improve markets to meet society’s biggest challenges, including climate change and the energy transition.
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Tor Publishing Group, in partnership with Literary Hub, presents Voyage Into Genre! Every other Wednesday, join host Drew Broussard for conversations with Tor authors discussing their new books, the future, and the future of genre. Oh, and maybe there'll be some surprises along the way... Tor Presents: Voyage Into Genre is a Lit Hub Radio podcast.
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The Million Dollar Producer Show™ interviews highly successful financial professionals, thought leaders and organizations in the financial services and life insurance industries. This podcast is here to help answer the key question: “What are the insider secrets to stand out in a noisy marketplace and consistently attract and convert high value clients?” To get answers each week, subscribe to the Million Dollar Producer Show.
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This podcast was Created To Provide You A Place Where You Can Come and hear Truth that most people are still not wanting to face and not willing to do the research to realize these aren't just conspiracy theories that the MSM wants you to believe they are. We talk about the Bio-Weapon, a Fake puppet in the office of the bankrupt USA Corporation, Covid-19, The Jab, Klaus Schwab, The Great Reset, Agenda 2030 and the fact that we've been enslaved by a Khazarian mafia cabal for centuries. We exp ...
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Top Advisor Marketing Podcast

Matt Halloran, CRO at ProudMouth

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Where you’ll learn how to stop the sales cycle insanity and become the trusted authority you’re meant to be. Hosted by our CRO and in-house podcasting expert, Matt Halloran. Brought to you by ProudMouth. #BeYourOwnLoud 286290
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For most aspiring online entrepreneurs, “making it” means achieving success in your business. But what exactly is business success anyway? And how do outwardly successful online entrepreneurs define "making it"? Here at Mirasee FM, we wanted to find out, so we asked a group of diverse online business owners what success means to them. Their answers and insights surprised, moved, and inspired us. In this podcast, accomplished online entrepreneurs discuss what making it means to them, provide ...
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It's the year 2020 and frankly the world is now a mad house. We take a look at some of the most recent stories and highlight the complete and utter madness of it all, which underneath is pushing us towards a system of control that will be anything but funny. THE WORLD HAS GONE MAD BUT YOU DON'T HAVE TO We truly now live in a Clown World where the predator class (the 1%) want to force you to believe or at least parrot that 2 + 2 equals 5. Produced by Richard Willett & Gareth Icke
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Major averages moved higher in the final minutes of trade, sending the Dow higher for the month. Snowflake and Zoom report earnings; we have analysts on each to break down what you need to know. Plus, Liz Ann Sonders, Charles Schwab Chief Investment Strategist talks market positioning and navigating volatility. Our Robert Frank reports on LVMH’s Be…
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Do you want to turn your podcast appearances into more business wins? You shouldn’t have to guess your way to success. Get insider tips on how to strategically attract your dream clients and grow your influence with guesting. In this episode, Matt Halloran talks to Tom Schwab — co-founder of Interview Valet — about how to leverage podcast guesting …
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Marvel Comics legend and trailblazer Jack Kirby is known for his work with Joe Simon and Stan Lee, creating Captain America, The Fantastic Four, Thor, The Hulk, The Silver Surfer, and countless other unforgettable superheroes. But in the 1970s, he also created a comic book adaptation (and continuing series!) based on 2001: A Space Odyssey. Who bett…
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In this episode of The Million Dollar Producer Show, I welcome Tom Schwab, author of Podcast Guest Profits: Grow Your Business with a Targeted Interview Strategy and founder and CEO of Interview Valet. Tom shares his insights on leveraging guest podcasting as a powerful tool for building authority and growing your business. Tom's Journey: From Engi…
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Murph interviews Tyler Schwab, the head of Libertas International, a nonprofit organization that helps victims of human trafficking. They discuss the work of providing support, education, and justice for survivors, as well as the ongoing efforts to combat child exploitation and arrest predators. Tyler describes the prevalence of modern-day slavery …
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Stocks slid into the close as investors await Fed Chair Jerome Powell’s speech at Jackson Hole tomorrow; Goldman Sachs Chief US Economist David Mericle breaks down what’s at stake. BofA’s Savita Subramanian on top ideas. Plus, earnings from CAVA, Intuit, Ross Stores, Workday.By CNBC
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A boom in private human spaceflight is on the horizon as more heavy-lift rockets come online. But at the ISS is set to retire in 2030, what is the future of space stations? Private players are stepping in to meet demand, with Gravitics, a Washington-based in-space infrastructure startup, a likely winner in the space. Founder & CEO Colin Doughan joi…
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On August 16, 2024, Presidential candidate Kamala Harris released details of her economic and tax plan. Bob Keebler analyzes the estate and gift tax proposals contained in the proposed American Housing and Economic Mobility Act of 2024. In this video, we will break down the income and estate tax considerations of her proposal. We will discuss: ➡️ E…
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The term 'football royalty' is saved for résumés like this: 200 AFL games, two AFL Grand Finals and a Brownlow Medal. Shane Woewodin achieved all of that in his nine seasons at the top level, representing Melbourne and Collingwood between 1997 and 2005. Now, he's back involved in the game he loves through his son, Taj, who's creating his own name i…
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Jacob continues his mid-week Bible study in the Gospel of John. *The chapters and study numbers of this study were incorrectly named and numbered when uploaded to YouTube, thus, if there seems to be one missing at some point in the study, it's most likely because I forgot this fact and began numbering them the way they are on YouTube.…
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About six months ago, I pulled the trigger and am now happily retired. That said, I still have a few questions going forward about making certain money moves in retirement. Have a money question? Email us here Subscribe to Jill on Money LIVE YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney See Privacy Policy at https://art19.com/…
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Welcome to the first episode of Retire Right, a show dedicated to helping you navigate your path to retirement with the guidance of WYZE Wealth Advisors. Before we dive into financial planning and all the topics associated with building a portfolio for retirement, we wanted to introduce you to Ryan Wyatt, CFP®, CIMA®, one of the wealth advisors on …
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Is there enough good news to keep stocks climbing toward new record highs? Hightower’s Stephanie Link, BMO’s Brian Belski and Thornburg’s Emily Leveille break down their forecasts. Plus, EMJ’s Eric Jackson tells us which tech name he recently sold out of… but is considering getting back into. And, we run you through what’s at stake from Zoom’s earn…
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In this podcast epidose, I welcome back Paavan Kotini, author of "Effortless Wealth: The SWAN Approach to Unlocking Wealth for Busy Professionals". Paavan shares his journey of writing and publishing his first book, and reveals the innovative ways he's leveraged it to grow his business. Paavan's Journey Book Writing Process: Paavan discusses how wo…
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What is the truth about Arthur Jones’ Colorado Experiment and what does it really mean for the High-Intensity Training world? Legendary trainer Pete Cerqua returns to the podcast to go on a deep dive into what really went on in The Colorado Experiment with Casey Viator, what happened when Mike Mentzer tried it, and what HIT trainers and business ow…
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Dr. Matthew Ferrence is an English professor at Allegheny College. In 2020, he ran for the Pennsylvania House of Representatives in a deeply red district and lost badly. In his new book, “I Hate It Here, Please Vote For Me: Essays on Rural Political Decay,” Ferrence chronicles his election defeat to explore how the American political narratives ref…
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The S&P 500 and Nasdaq snapped eight-day winning streaks. But Fundstrat’s Tom Lee says he sees 40% upside in small caps before the end of the year as the Fed is expected to cut rates. Ariel Investments’ Charlie Bobrinskoy and Vital Knowledge’s Adam Crisafulli break down the broader markets. NYU’s Dean of Valuations, Aswath Damodaran, on why he pref…
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Kara Goldin, the inspirational founder of Hint and author of the Amazon bestseller "Undaunted”, shares her incredible journey and entrepreneurial spirit that led to revolutionizing the water industry. Key Points of the Conversation: Kara’s transition from AOL executive to health-focused entrepreneur. The inception of Hint water and breaking industr…
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Murph interviews his old friend and colleague, Tom Golden. The briefly talk about Tommy’s time in the Uniform Division of the US Secret Service, and his transition to becoming a DEA Special Agent. Tom and Murph worked together as young Agents in Miami in the late 1980s, and they have some great adventures together, especially the one when Tom and a…
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Given the family history, I am hoping for a long life, but planning for the worst. Am I making the right financial decisions with this in mind? Have a money question? Email us here Subscribe to Jill on Money LIVE YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney See Privacy Policy at https://art19.com/privacy and California Privac…
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AMD one of the top performing S&P 500 stocks today after announcing it planned to acquire systems company ZT Systems for nearly $5B. CEO Lisa Su joins Jon in an exclusive interview to discuss the deal and what’s next for the company. Bessemer’s Byron Deeter on Palo Alto’s strong numbers and the future of the software sector. FuboTV CEO David Gandle…
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The broad-based equity rally may be evidence of revived upside momentum. New York Life Investments’ Lauren Goodwin, CIC Wealth’s Malcolm Ethridge, and Merrill and Bank of America Private Bank’s Chris Hyzy discuss whether the upswing can last. Plus, Deepwater Asset Management’s Doug Clinton reveals his pick for winner in AMD’s latest challenge to Nv…
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Adam and Adir chat to the incredible Matteo Franceschetti founder of 8Sleep who is saving sleep and marriages. The guys also discuss the strange share market reaction to JB HiFi and Temple & Webster’s earnings, Scooters getting Banned and the impending death of working from home. Thanks for listening! Join us on LinkedIn: https://www.linkedin.com/c…
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Taxes are just one part of estate planning. People are also asked to consider custody arrangements, medical decisions, and legal issues. But it comes as no surprise that people who have worked their whole lives to build an estate are wary of letting taxes and fees eat away at their hard-earned assets. Further complicating the current environment is…
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Murph interviews his old friend and colleague, Tom Golden. The briefly talk about Tommy’s time in the Uniform Division of the US Secret Service, and his transition to becoming a DEA Special Agent. Tom and Murph worked together as young Agents in Miami in the late 1980s, and they have some great adventures together, especially the one when Tom and a…
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The business case for diversity is not new. It has been around for decades. Diversity, equity and inclusion (DEI) leaders have been sharing the same business case for years. It has been demonstrated time and again that diverse-led organizations are: Thirty-nine percent more likely to outperform those lacking diversity Twelve times more likely to en…
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Our Summer Playlist continues this week with Hannah Hauman, Global Head of Carbon Trading at Trafigura. David Greely sits down with Hannah to discuss how seemingly separate EU regulations on corporate green claims and reporting are coming together to create a new definition of net zero and a new approach to driving corporate climate action.…
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Jacob approaches the coming antichrist from the view of there coming many antichrists in the last days. One example of this would be the Pope, who's title as "Vicar of Christ" literally means, "In Place of Christ." This message originally aired on RTN's YouTube channel on January 14, 2024.By MorielTV
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The major averages posting their best week of the year as recession fears ease following last monday's massive sell off. Tech the big outperformer this week and Wedbush's Dan Ives explains why he thinks there is no stopping the tech rally. Unlimited CEO Bob Elliott weighs in on the market rally and why investors are underexposed to gold which keeps…
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Only a few years after Jared Isaacman made history with the first all-private human spaceflight, he announced a new series of missions in partnership with SpaceX. He unveiled the Polaris program: a series of tech demonstration missions to culminate in the first crewed flight of SpaceX’s Starship. After thousands of hours of training, the first of t…
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New highs may be back on the table with the major averages notching their best weekly gains for 2024. Charles Schwab’s Kevin Gordon, Payne Capital Management’s Courtney Garcia, and Steve Liesman set investors up for a big week ahead culminating in Fed Chair Jerome Powell’s all-important speech at Jackson Hole. Plus, Morgan Stanley’s Erik Woodring m…
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Rich and Gaz are back with your weekly dose of sanity, with all the WTAF moments of the past week. GET YOUR 40% OFF ALL CDB PRODUCTS HERE: USE THE CODE (WTAF) https://supremecbd.uk Watch the video version for Free every Sunday Exclusive to ickonic.com https://www.ickonic.com/Series/107 Get you WTAF Merchandise here and help support the show: https:…
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Join Schwaby, Suds, and Nick Sr. for your next White Sox Therapy session. We get together and discuss what went wrong during the Pedro Grifol era. We discuss who should be the biggest splash of the off-season, debate the new starting pitcher rule proposal, and react to the White Sox ticket price cuts. Sit Back, Relax, and Strap it down. White Sox T…
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A strong session for stocks after strong consumer data and results from Walmart – we have you covered on this rally. Bespoke’s Paul Hickey and Citi’s Scott Chronert break it all down. Former Saks CEO gives his take on the spending levels and what’s ahead for the consumer. William Blair’s Jed Dorsheimer breaks down AMAT earnings. Plus, our Pippa Ste…
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The stock market’s remarkable run extends with retail sales data fueling hopes around a healthy consumer. Trivariate’s Adam Parker, Virtus’ Joe Terranova, and BNY Wealth’s Alicia Levine navigate what lies ahead for the Fed and investors. And, Bernstein Research’s Stacy Rasgon breaks down what’s fueling the move in chip stocks including market darli…
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The U.S. Space Force was stood up in 2019 as the first new military service in over seventy years. Now, nearly five years since its establishment, the orbital battleground has shifted—towards what General Raymond calls the first commercial space war. Since retiring from active duty in 2022, General Raymond now serves as a senior managing director a…
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With a lot of money sitting in cash, way beyond what we need for an emergency reserve, what's the best way to get at least some of it invested? Have a money question? Email us here Subscribe to Jill on Money LIVE YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney See Privacy Policy at https://art19.com/privacy and California Privac…
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Jacob continues his mid-week Bible study in the Gospel of John. *The chapters and study numbers of this study were incorrectly named and numbered when uploaded to YouTube, thus, if there seems to be one missing at some point in the study, it's most likely because I forgot this fact and began numbering them the way they are on YouTube.…
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Anduril co-founder Trae Stephens talks the company’s new factory and its latest funding round. Former Fed economist Claudia Sahm on if her rule, the Sahm rule, is being overused by investors right now. Plus, The Hartford CEO Christopher Swift on the continued rise in insurance costs and our Phil LeBeua gives the latest on the Southwest activist bat…
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Stocks cautiously creeping higher with easing inflation back on the table. Goldman Sachs’ Jan Hatzius and Wharton Professor Jeremy Siegel break down their expectations for the Fed’s upcoming meetings. Plus, Solus’ Dan Greenhaus and Hightower’s Stephanie Link share their strategies as the rally gains ground. And, a difficult day for shares of Alphab…
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Being present is a lot easier said than done, especially these days. On this episode, I talk about some of the many reasons we get distracted, overwhelmed, and stuck in the past or obsessed with the future in today’s world. I then share some specific things we can do to embrace the now, thus allowing us to be present, let go of erroneous stress and…
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Do you ever feel like you’re in a rat race as a HIT entrepreneur and want a way to earn more while being less overloaded? Dave Bess is the co-founder of Underground Fitness and later launched PT Legends and Greenlight Personal Training. In this episode, we talk about why you should have a high-ticket offer, how to build it out into your existing bu…
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