What does a Ramsay solution broadcasting from our car rental studios? It's that day, Ramsay Show where that is DOM casual carrying out mortgage has taken the place of the Bmw status. Symbol of Control Michael's today here on the air force, open, Ramsay Personality number one, but showing off a couple times over. this time on the book every day, millionaires

the largest studies of millionaires ever done in North Amerika and the results how ordinary people built extraordinary wealth and how you can to open funds. A trip alight. two five, five, two to five, that's triple eight, eight to five. Five, too, two five carry isn't Athens, Georgia. I carry welcome I've Ramsay Show How are you great? How can I help? I have a quick question. Back in March we decided the stock market was looking very, very bad and leave always just saint Aubert, our money into our far one key for retirement. We decided at this moment cause between the market. Going down so much and am, I might have been, had lost his parents. It was just one of those very scary.

So he took a book of our money and put it into cash. Other answer, of course here So it's in cash. We took a huge live. Where's your soul with a bottle, yeah sure Yeah, some among inverted, were left in the market. We have about three hundred and fifty, then how much tat he took. Cash. You said he took it up. She carried out right. Well, I hate you get the cash ok inside it for a one, clever, yeah, so three fifty in the market, meaning still invested in mutual funds and the other and how much is room? Nine hundred God, damn that did you know the time with his bed?

something he bit normally do. I think it was a very emotional time because he lost parents, like I said and said now. He just how are you well said most inner always for what your question the question is, Ok, so do we do I do now. We know little about real estate in I have one homeless paid off in one has a mortgage: do we taken the bulk of that now? oh, that at nine hundred and you start buying more investment promptly. If you take a lawyer for a one k, you can be taxed and penalised. Yes, you're forty percent more

you gonna, give out onto the government. I didn't think it was much woman's its thirty percent tax rate plus ten percent penalty, such another. Four hundred grand is gone I can't do work yeah and carry here's one of the things that happens. People get very, like you said emotional. Ah, you start losing loved ones and things start you you you hurt, but yet, but I'm in advance You all that stop gap to happen. There is to have a professional to talk too, so you don't make them jerk reaction that investment provide an investment, professional counselor, you you, you will need to be able to have someone that you can sit and bounce ideas of and be given information back. That truly will help you like not only do you owe me than investment professional, you need a tax professional. Now

to really start to look and understand the estimated attacks? You're gonna have an income April? Now I haven't they still in the Fora one. Can you should write to you? Ve come get out of this move the money from mutual funds into cash inside the fora, one Kay the outlets, we're ok, audience understood, ok, yeah! So You know it's a pretty simple thing: you're! Only fifty you ve got another fifteen or twenty years to invest. You made a mistake that cost you probably three or four hundred thousand dollars, and so I'm just gonna start investing. We need to move in application of mutual funds today, not pay, and just because You think the american economy is going to do in the next twenty years, regardless of Democrats and Republicans I have seen it grow in everything, a twenty year period in modern day history.

and so you got what you want to use for. You got the money, I'm sure look it up on. There is the idea that save another not oppose you don't happens to bonds when interest rates go up but that bomb prices go down. They have an inverse relationship with interest rates. Were our interest rates in comparison to the last thirty years there. Morning, blows were where they gonna go from here. Eventually up bond It is the absolute worst place to be right, and so here's what you guys need you ve gotta, have to review during your brains. You need to go what happened? Was you made a really bad decision? Really bad? then you need to undo that decision. you need data points and historical data Oh mutual funds that indicate to you,

that you made a really bad decision, show that you don't would again, and that will also give you confidence to invest going forward, which you don't, could you just told me you wanted to do bonds show You guys do whatever you want to know. If I were you, I would sit down with the pro what Christmas tellin you go to day room she dot, com, click on smart vesture and don't go over there, who invest go over there to learn for let alone I just other up some mornings, Go and let them to teach you with shaming you, I'm not trying to game you, that's what I'm trying to, but I M trying to convict you because the conviction she's condemnation, because when I Something is dominant and me money and then I have to have confidence in the future to not do the same thing or not stay on the same track, and so what Tell me by asking me about bonds as you're still don't trust the stock market over the next twenty years, and I do and buy them. simply reasonable option for your money.

Kay right now, because its side of a for a one k and so what in mutual funds let it grow again and you just an dome obsess like Clay but don't obsess over it like right gets its member, but investing as long term. It's gonna be the role was derived. You're gonna have the ups and downs, but I mean you can we can look inside it sure, with a pandemic at what the market has done and what is doing right now and what is going to get and you to do so, slowly carried like Dave said you need to get some binding your corner to guide you that you guys can sit. Look at this. Go oh! This is how it works, and this is the expectation of what's the come next, you'll get confident and you and your husband will be able to breathe. You all have done an excellent job of haven't money, invested, youve intentionally put that money away. So I'm proud of what you ve done now, let's get back on the pores back into the

so we can cross that finish line young lady. You still got time you can do it open phones, a eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five trying to pull up and get wow yeah did it after three underground just pull the charter. This is that I Ramsay show at two cobras We believe a great pair of cowboy boots won't just make you look taller they'll, give you that confidence boost that'll, make you feel taller too at takeovers

make traditional cowboy boots for men and women that look great and feel great, so you can walk into a big meeting or on the town with comfort and confidence, and because we sell directly to you would know middle man to mark things up, you're going to get great care. Eddie at a great value, find your pair take dot com, Slash, Ramsay and walk taller resolving Ramsay personality is my co host today, you're on the air, open phones AAA eight to five five, two to five pulled up the charge at the brake just to review the highest point. To start market is better in this calendar year and the year twenty twenty known as the year of the dumpster fire the highest the dowager twenty nine thousand, five hundred its twenty one thousand one hundred today it

of all the way down the seventeen thousand. Why are eighteen thousand, and so it lost a third of its value from February twelve to Morrow only thirty four month in ten days it Dover straight off a cliff and from that low. On March, the twenty third, which was a lot, was shut down that's the way things shelter at home flattened occur things we don't hear anymore, now that you're sure, where a mask, but in I was flat monsieur flat, meagre Reinhard, flattened Urban Y know we haven't so the anyway Cedric but the, but we still have our now right now, Duenna, where we would now twenty nine or twenty nine doesn't want to wear right at where we were right back to where it will show if he had. If that guy, you know

shells out at nine hundred, which cost him approximately. Three under fifty thousand dollars in lost value between March the main between February twelve and more twenty third and now here we shared in November and its back any recovered. Ninety nine percent of the value Yoda broke even give you two road it out, we were you and I were on the air March. The twenty third don't be yelling at the top of our lungs the people who get hurt. Our rollercoaster are those that jump off. You think over safety beneath the boy. That's like a primo example. It is primo really is. I was just make a note of that. You begin

governments and you realize you no stomach and that right do the math on that miss out on three hundred. Fifty thousand, all I mean come on right, so give people in your corner. You can have a conversation, whether you can understand what's happening, and what you should do is that when I was a kid sixteen years all I got out. Nineteen eighty or ninety shut me for Monte Carlo The thirty six thousand five miles between that term, an atomic graduate from college driving that car I put two and two thousand miles on two transformations in three engines out hard on, Are. There was hit on every side bondo all our work under the pain, so a war that car which means I know how to turn a ridge, because I had to be able to put the muffler back on after it fell off. I had to be able to whatever change the trends and the engines out in all. I everything I had two so annoyed. Her But you know what I've a nice corvette a mirage.

The chances of me lifting the hood. even knowing what it is going on under their much less actually putting a ranch on that thing or zero happen. I do not, de. I why, on that car don't be shy! Why, on your investment scrub sit down with the pro I have Dave, Ramsay Chris Open every day, millionaires Chris Hogan has a smart, Mr Pro, in our corner and if we need something if were scared, we're goin through a hard time. Yet we call them and talk it through. You do not to add on the stress in your life. You do not want someone making your decisions for you, but you need a coach in your corner. This is no don't run out of bounds, strike matter of fact, I'm reaching out to one of the taxi Obese assumes you done here today. Just a double check sums for european and start to do some planning and so

it's this mindset of, don't let your pride gettin away your progress again talk to people that have now that you don't what smart people do? Listen if you're worried about the Biden presidency, if you're worried about the and they make. If you're worried about the future. You need to sit down and get some perspective by looking at district. Listen to this text the word in two hundred thirty three seven hundred nine invest tooth he seven eight nine and what will connect Europe with one smart rest reproach we're not in that business, but tell you don't die why yeah. Why that new corvette doing it at she would be sheerly Josh wasn. Next, I Joshua. How are you. How are you doing better than I deserve? What's up so

Should we gradually to college her back in May, and I recently found your ass a round a month ago, and I am currently on Davy step to create on I have around thirty six thousand in debt. nine thousand of, which is a car alone and twenty seven I wasn't in student loans. I just wanted your advice on how to tackle this. I was thinking about selling that car. I can tell it round fourteen to fifty thousand dollars or just paying that nine thousand off, and also my student loans, now What do you mean? What's your income, make around pretext a thousand a month, you're killing him I would keep that car. You don't move down, but you do to get our written budget.

lately lenient and do nothing with money, but pay off debt hard and fast fast, as you can lock, your life depended on it. Ok, so I do thirty thousand shaving, oh god right a check and pay pal. The car pay up the car and put in Russia, but on the a thousand dollars, if you only have thirty five there are thirty six thousand dollars in that, and so you go a debt like three March were too much girl. Ok, only react when I look at the shortest distance, but where you are and wealth is death, free. And that's why I'm doing this, it feels hurt Turkey, you and you're in love with your thirty thousand. Our savings accounts for this. When I just said that your head, just spent around wash ripe, yeah, ok, so But knowing what I know having

as long as I lived in as many people's I've got not at that Anti taught him out to be wealthy and me included in Kurdish included. We know that we as fast as we possibly can to get rid of the debt and then very quickly rebuild your emergency fund. You need three to six months Spencer's emergency phone. You make eight thousand dollars a month. Ok you're in good shape. Man you're killing at what your career I'm in mortgage, ok, good doing great, so here's the thing to pay off the car and we put twenty and we only put aside he should yet thirty is actually exactly thirty thousand you have, I have around thirty thousand and five hundred ok, so baby Stab thousand dollars on which would leave a thousand dollars in their which gives us twenty nine thousand five hundred right

that pays out nine thousand our car. I me twenty thousand and five hundred, which means you have six thousand five hundred left. Student loans. As I shall write to you, if you do that, follow them in the new under the shaft moon. If I'm? U? Ok, ok! So just leave a thousand leave thousand and there's your little baby starter emergency fund now making eighty eight thousand dollars and you ve only sixty five hundred dollars and that I would expect you to pay that debt off within two months. Wouldn't you two months, that's definitely something thirty two hundred dollars a month and you're done. Then I want you to save for five thousand dollars a month and a half thousand our account baby step three,

and let's start raising this back up now, walk through the mouth with me here for a second thousand dollars has got your stomach in your throat right yet definitely month, one it's still. There but now you got month to still, thereby you got zero dead and no payments still with me yet money, three you're gonna four thousand dollars on that account and you're gonna. Five thousand dollars ninety days from today month for volunteers, you're gonna have another four thousand dollars now you're gonna be roughly ten thousand dollars on this account for months. The day you're gonna be a hundred percent debt free with ten thousand dollars in there as I feel a little bit better. That does, I think, What initially held me back was just seeing all that shit.

It feels like its forever. The right point is it's only for four months, five months, fifteen for six months, was twenty. seven monsters in IRAN. Today you have thirty thousand dollars, and no there you go the lobby of Ramsay solutions on Baghdad free stage, one of our own Ramsay solution as family members team members here actually craft is whether she's one of the creative recruiters that doesn't mean she's creative as recruiter at me. She recruits creative swiftly, probably as creative as our girder. There too. So an her husband Joshua. Welcome guys! Thank you. So how long have you been with us? I've been working

for about a year and a half, ok cool. I thought it was about. Our time this verify so how much Dat have you got paid off? We ve painter, a hundred and sixty nine thousand dollars a hundred and fifty six wow. How long did that took just under three years? Three, ok- and I will ask your and comes you work here- half of your team made standing around completely unfair, but what kind that was a hundred and sixty nine thousand are pretty much everything we had carloads student loans, credit cards. I found payments on eighty everything com. Just anything we wanted. We bought it and had a payment Norma, how he has been married or she, almost five ok shut your mouth,

couple years and something happens and he went on get now. This massive tell me about it. Yes, so I mean Israeli just when we're dating, we think we're gonna combining comes just be set in our can have double they come in six months and we were broke and I'm innocent every week it was checking a bank account by the grocery story. Now can I get gas to date or dorani to wait till tomorrow and just wasn't working for us and religious kind, a point where we had to change it: the Georgia to her. So actually I was listening podcast my brother introduced me and out man ok hand, I kind of started thinking about it and visited my family. I found an old old city of pay. You care why and from my country ten years ago, leather wine with other little leather, one level. It was a real leather, leather, rain, design right at home, and I was nerves to talk to her about. I didn't. I should feel by love under I'm the free spirit, so we

In turn on a car trip straight all nine lessons- and I mean we're on board from that, while ok. Are you sure you have the stress point any shock in the sea he's come along. So actually point on this car trip. What were you list to you when you went. I think we need to do this, it was actually beforehand so when he brought that after you get home from Marrable Tennessee, which is where he visited his dad, he brought it home. He was nervous to tell me, and he came- and he said: are you sick and tired of being sick and tired and broke off like yes, and so he went downstairs and for the first time ever totalled up all of our debt and really it it harp. It was heartbreaking, deceit, and so at that point it was the moment where I knew we either do something drastic or we're gonna be in this for the rest of our lives

so that heartbreaking moment was really when I said I am the free spirit, but I could be a free spirit later with and be able to serve differently give differently, and we have eleven week old, and so we just wanted to change our, family tree for our daughters while still clear, and so it wasn't hard once I saw that number and once I had a plan once they have a plan get on borders call the process. We have the o crap moment. Yes, and then you go ok sums gotta, give and that's that there's I think, there's a moment there were we all grow up and you're gonna have to change their ass. It was a three hour period only just kind of stared at the numbers. You wait a bit, you sure you don't. Very well. I carried into most of our debt to a lot of it was his student loans and he didn't have his degree yet and says really hard for me as his new wife to accept that here,

the student on Dad. He does even have his degree like this is radically since it was a moment for us to accept what we ve done and I had some of it as well, but for me to really say we're gonna take together and I so love you. But this is something we have to tackle together for when you recall, in a creative, do you talk about your personal story at all our hundred percent, although now, yes, I'm getting somebody a creative to come to work on our team, someone our one of our many creative positions that we have around here cause you're you're responsible for herring for our people a month? Aren't you? Yes, roughly? Ok, while so this this dishes, It's really come, I may, and then you come over here, half way through your get out of that journey coming to work here. Yes, how this happened tell me about that. Yes, apparently through our hour journey, actually really cushion the beginning. Josh worked like four or five super random jobs. I decided to start a calligraphy and design business and

So I am a creative and really I was working a job that I absolutely hated, but I had to work because we had so much tat and I couldn't do anything except work and so for me partway throw debt returning. I didn't want to hate every day I wanted to thrive and what I was doing, and so I decided I met a fine work that I love right now and I'm going to find a job that really makes impact and honestly decision place. I wanted to works like plied accepted the job and we website we love it here without who were crucial. You does move to yet from oval Kentucky hoax and what do you do Joshua? I work at Schneider, Electric, oh yeah, oh cancer are a good excellent or white ago are now you ve done at your heroes hundred and sixteen thousand what is the secret to getting out of that.

For me it was just kind of just being able to go to work, really was the first one and then not caring. What people think you're? Not you really have to all your pride when you saw your nice car and you start drive and work. You know just a piece of junk and you know it just knowing that people are saying you see, the changes are making it just being. Ok with that site was mine, you I think I mentioned earlier, but just Billy accepting the fact that we did that then, you have to really look yourself in the mirror and that's the hardest part is to kind of forgive yourself all the mistakes that you made and realise that we need to get out of this, but that with the hard part and then again on the free spirits I loved money for Thursday, noting yourselves is really hard, but I think even your. Why front and foremost, I'm one of the things that we did all the time as we had dream dates, and so we ve got to dinner and we would or we make dinner, and we would just talk about what is our? Why to keep that front and centre that was really important to us

We left, I drink dates. Samuel, that's really Joshua. Would you find out about this young lady throughout this journey? She is right, I just unstoppable. If she puts her mind to it, there's nothing. She can't do I mean she started or business and just really see I've been through this whole process Jesse and have just you can t do anything, that's also! Actually what about you? What you learn about, Joshua, he loves exhausts patch, and I hate them gardener it, and I love him. I dont think like that, and I come to our budget meetings that I hate them unless there's like it the gory for both for our daughter, something youth that makes me happy birthday Are you gonna put Everley in the shot hair Saharan there so to go. You guys were so proud of. You were gonna coptic Christians, but but you probably already have one your only in the next chapter here to be everyday millionaires and how

overly now seize eleven week eleven weeks. Oh my gosh driven early on and there we go just screamed under free harder, as he's better tsar. Some are Joshua casually and early. A hundred, sixty nine thousand paid up in three years counted out Matera debt free screw to one. We love it Weeks old, squaring the bed. For each point, though, I don't care what you say you biogas water over right there. I think it might be really them at least on the stage and you're on others. But somebody about I had one in the background of their home or something, but for less than I can tell you from the centre and in the picture running around out here in the ASEAN, the team, members and people that she's impact.

Recruited and worked with being out to celebrate, place. Ramsay solutions is a different place and its this this displayed when you two members smile and from year to year, grinnin rooting for the two members whose crime The finish line that something special people I low class, special, absolutely good family. You guys were so proud of. You well ban love it. This is the day. Ramsay show

our structure, the day dreams, one, seventeen, every good gift and every perfect gift is from above coming down from the father of lights, with whom there is narrow, variation or shadow due to change. The Dalai Lama, should remember that not getting what you want is sometimes a wonderful stroke of luck, open phones, a triple eight, eight to five five Two five crush is my co host today here on the air open phones triple eight eight to five five, two to five Daniel, isn't Winston Salem High Daniel. How are you Even greater gonna give authority you two. What's up our

I am quite sure that long term disability insure memo off their own. We're gonna be a big step forward. Next lot, The following come provider. I started, My vision, issues that could potentially be the star of then, the blindness to that enjoyed by we don't know that year I visited one doktor and, secondly, to especially, but haven't had a diagnosis yet, but my question is what be immoral to go, and I try to get long term disability after it mom. I know and then I'm happy days they phantom and although it, but if I could get long from the third, sir, what shall look out borne by it? most of them are going to ask medical question. You would have to lie on medical question, which would not only a morally be called fraud but the If you don't lie

and you have a long term disability policy that you can apply for that does not require medical screening or medical questionnaire. Then that's fine. do they have long term disability through your work? we'll just I don't know- maybe one there may be some through the real through the National Association Realtors in times like Association Group plans and things. I would check on that and again, all you ve got to do is to tell the truth and if its efforts, that does not require medical than another. Require medical haven't done anything wrong, but obviously- or I guess I should say obvious- maybe it's not disturbed by, but obviously to me you should not and to you probably, you should not lie on the thing because its age, and be it's called fraud so and in in I'd, be undone if you lied because their number and say: well you have this right diagnosis. I had a time and you and you would lose the the coverage anyway. What you look for

The main thing to remember are just if you can get inflation pickers that kicking the kick. The inflation kicked, the ah income up due to inflation. Ever so often that's one thing to look for another. Is you want to know you're elimination period is which is your signature to doktor bats, exactly right and that's the amount that you have pay before the insurance kicks in that elimination period is a very crucial word. You want to be aware of it now shall isn't it? any day, elimination remaining from the time of December that disability is declared thrown onto get money would be ninety days and by the way, ninety days, a fairly standard elimination, Perry, that's kind of like a father and our adaptable. Our car somethin, like that. That's what you would expect to see thirty days is highly unusual and usually much more expensive and six months. If you can get that, might save you on the premiums.

If you can, if you can get the policy show, those are the main things you're gonna wanna look for, but in your case I think you ve got a lot more things to worry about in the actual policy features is just whether or not you can get one issued and then you do like they say, definitely check with the National Association of Realtors to find out what group benefit you have available, but please, my friend also get a second and third opinion. as you can really find out exactly what it is you're dealing with in your down a North Carolina. So that's a cradle for Van Tassel, God care down there, but make sure getting to a specialist. Do you understand your awfully young to be dealing with a challenge like that, my friend, so my prayers go out to you and your family, payment diamond Tyler is

next and Tyler is Mozilla Montana. I Tyler how're, you Dave and creates great speak, enable you to watch them and twenty two just started baby step or- and I decided to go to the university here it before year and then go to the law, school and just cash flow. It good some curious. If I had one stop investing for my retirement and two, if I should treat it's more like baby step, three, like kind of it's gonna, be future dead. You know Can it trying to attack that before happened? Yes, I would stop investing in his pollack. Cash is how you can pilot so that you can get through school, that free and if you do, that, you are a better investment than a mutual fund is ok.

Tyler, what you'll be working, why you're goin to underground yes, I'm an independent contract, rascal dad, but are you yourself more and more options, the more debt that you can avoid, even with law. Go, and I mean I want you to busted in the summers and really under that hey you are going to avoid a heart, ache and headache. I know, attorneys that have had some legal hang around for fifteen and twenty years, so the more of that the jewel Would the better off you gonna, be yeah you're, gonna you're, not really a moment and then, if you pay cash, all the way through, You saved that up and cash flow this. That is a huge accomplishment, be very proud of you Sandro Indianapolis High Sandra welcome to the diagram she show. How can we help I gave I thank you for taking my call but of dilemma. Winter advice on we attempted to refer

an answer mortgage started the thought him August. We have a balloon that matured on at the end of September and we're trying to get that we fight in time and they said it was fine to do it. They dread everything it. I remember it end of life at or others coming September. This this last September, so you're overdue, on down the balloon payment by turning now exactly overdue. Now because they eight and delayed, and I kept calling China hurry the process love and they can carry excuses. they're saying they can't delivery. Violate, declined us now. Why? Who are overdue? Sandra sitting what was the reason they gave you for the decline the initial reason they gave us was because they can't you finance once they

repayment. Did it come do? Ok, you need to go mortgage company you're, trying to work with your existing mortgage company right right, yeah, you need to run away from them and shit. like I'm, like Manzano, run away from them. Your problem is, that now issue as defaulted? It's gonna affect our credit. I mean it may well now await me. May I what's the housework, the houses were hundred and thirty five dollar, two thousand all, and what do you own? The mortgage? We hundred seventeen thousand look. I got tons back? What are you guys? The yoke is there? He lockers second mortgage on this property at its second mortgage that we were going to. that off. How much is the Syrian? Ok, how much is the second mortgage like there came down? download your cash. Do you have we had about twenty five and you have investments that are not return on investments.

We do not know their I'll, follow and care. How much is in your for a one cat one hundred and thirty or some other. Ok, here's our scenario. Number one you gotta breathe, cause you're, really scary, and you don't need to be. I am you, don't need to be scared We want to be scared, because only comic therefore a one case of whether foreclosure them and so you're not going for closed down. worst case scenario is your cash etc. For a one. Can twenty five k with You will pay off the house. That's your wife, first case scenario, you're not gonna, do that, but that pure from illusion the house with all this equity and will start again. Fresh ok now and when you hang up, I want you to call Churchill mortgage that weaving doors for twenty plus years on the show twenty five years on the show and

I say what better than there are more puts on holding Kelly's gonna pick up and she's gonna hand. You white, gloves to Churchill Mortgage and get this solved for her tell Churchill. I should get this solved and I'll betcha. They can do it I'll betcha they can want Marfa cankers walked in and he can make that happen. yes go when you walk in the both. Rather, the show you get a new drugs is to go the job grass bankers Job James into our Kelly therein, the booth I am Day Ramsay your host, we'll be back with you before you know it in the meantime. Remember, there's ultimately only one way to financial peace nuts to daily with the prince of peace right she's,

I have a friend or family member, the needs of daily those Ramsay advised in their life. Let them know about the rams. You call the day podcast, it's a quick here of advice about life and money in under ten manage check out the Ramsay call of a day, part gaff. Wherever you listen to vodka, you're in a rut and living life just going through the motions, build confidence in yourself and learn to trust, the God who created you check out the Christie Right show where Christie inspires, you break through your limitations and create the life your proud to live pale

Christy right. You know it so easy to feel stuck. You live life just going through the motions, doing dishes, doing laundry carpool lines and a whole list of commitments that bring you no joy. Why we live like that. That's why I want you to check out the Christie Right show. Each episode will help you build confidence in yourself and the God that created more from the room. She worked, including look Christie right, should review Lucian applaud cash, hates aims producer of the Dave Ramsay show this episode is over but check the episode notes for links to products and services you ve heard about during this episode,