IFA Magazine‘s ground-breaking weekly editorial perspective on the news that is shaping the global investment and economic landscape. Featuring exclusive conversations with the financial service’s most influential voices.
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Idaho Falls local independent alternative media. With Mike Nelson and Karley Morgan
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The iFanboy.com Comic Book Podcast is a weekly talk show all about the best new current comic book releases. Lifelong friends, Conor Kilpatrick and Josh Flanagan talk about what they loved and (sometimes) hated in the current weekly books, from publishers like Marvel, DC, Image Comics, Dark Horse Comics, BOOM! Studios, IDW, Aftershock, Valiant, and more. The aim is to have a fun time, some laughs, but to also really understand what makes comic books work and what doesn’t, and trying to under ...
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Egy oldschool kocka apa és igazi geek barátja mindennapjai a 21. században, akik égető és kevésbé fontos, ám annál érdekesebb kérdésekre keresik a választ: 🎮 mivel foglaljuk le a cukorsokktól túlpörgött gyereket a kocsiban? 💻 valóban művészet az AI-jal generált insta fotó? 📱 kell 24 magos processzor egy telefonba? 📷 beköltözünk valaha a virtuális valóságba? Minden szerdán este 9-től érkeznek a válaszok!
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Note To My Self
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In our new podcast, IFATCA Spotlight, we shine a light on IFATCA's Member Associations. A podcast made by ATCOs for ATCOs to provide insight into different challenges and solutions found around the world.
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The ifa Show is your guide to the stories behind the headlines in financial advice. Join the ifa team as they discuss the latest developments in the advice sector. www.ifa.com.au
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Films, short stories, poetries and moments of life.
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Become a Paid Subscriber: https://podcasters.spotify.com/pod/show/charles-kelly/subscribe Enjoy exclusive content and bonses when you become a Money Tips supporter. Money Tips Daily is a daily podcast brought to you by the author of Yes, Money Can Buy You Happiness, published on Amazon. Money Tips Daily helps you save, earn, invest and enjoy more money! https://anchor.fm/charles-kelly/subscribe
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Conversation with Davey Welle
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Fusión de visiones creativas, tecnológicas, financieras y estratégicas para lograr un impacto poderoso en la inteligencia de cambio
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O MELHOR LUGAR PARA APRENDER E RACIONALIZAR SOBRE A CULTURA DOS ORISÁS, EU SOU IFATOOKI E SEJAM BEM VINDOS A NOSSO PODCAST
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Short Film - # Safety First - The Message To Understand Voice By - Aniket Dabhade Written By - Aniket Dabhade Presentor - Untitled Entertainment
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Leyenda Tradicional sobre Orisá Orí.
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A podcast hosted by Michelle Nana which focuses on the sharing the foundational concepts & philosophies of the Traditional African System of Ifa.
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Josh McDaniel future and where do the Colts go from here.
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iFater mostantól már offline IS. Minden szerdán este nyolctól kilencig egy órában hallhattok minket a 90.9 Jazzy rádióban! Hallgatni - OTT IS - ér! Egy techfüggő kocka apa és geek barátja mindennapjai a XXI. században. Mit jelent 40 felett a technológia? Tényleg működik a robotporszívó egy kétgyerekes családban? Kell-e 8 magos processzor egy telefonba, hogy szórakoztassa az üvöltő gyereket a kocsiban? Gázkonvektorral, vagy bitcoint bányászó videókártyákkal fűtsük a lakásunkat? Ilyen és ehhez ...
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Podcast om den jyske serieklub IF Ådalen
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On this episode our featured guest is Jenny Lou Quichocho from GBHWC I' Famagu-on'ta. We discuss her recent off-island trip and award, moreover how parents can seek services on Guam.
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Podcast by Ifasalewa Fagbemi Aworeni
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Ifa, Orisha, Spirituality, Religion, Ancestors, Healing, Readings, Initiations, West Africa, Divination, Iyanifa, Babalawos, Iyami, Spells, Witchcraft, Rituals, Love, Relationships, Sex, Health, Death, Birth, Money, World, Life
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A series of shows that talks about the system of IFA an oracle system originating from Nigeria West Africa. IFA is a system used to help people solve there problems all around the world. Some Countries include U.S.A, United Kingdom, the Caribbean. Please join Professor Babalawo Ifategunse Osadele & Apetebi Omirelekun -Ifadunmade Ifalase on topics relating to IFA.
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iFanboy.com - The Place To Discuss Comics, By Fans for Fans. iFanboy.com talks to the top creators about their upcoming releases
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Heyho, podcast ini isinya sepasang suami istri. Yg istri extrovert, yg suami introvert tapi we love to talk. Podcast ini akan bahas hal hal ringan yang ada di sekitar kami, bisa isinya sharing bisa juga nyampah haha. Hope you enjoy! And do give us any comments and feedback :)
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Contemporary crises in 2020 have highlighted deep-rooted inequities and injustice in our world. Yet, there is a place that remains in shadow - cloaked behind a veil of miseducation and colonial violence. This place is Kashmir. Have you heard of Kashmir? Do you know where this valley- once known for its beauty, culture and craftsmanship and now for being the world’s most densely militarized land- is? Do you know how it’s eight million people live?The Kashmir Podcast will delve into the everyd ...
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GBI Special Podcast: 30 years of VCTs - The past, present and future
14:54
14:54
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14:54Welcome to a special episode of IFA Talk in partnership with GBI Magazine. In this discussion, we take a deep dive into Venture Capital Trusts (VCTs) as they mark their 30th anniversary. How have they evolved since their inception? Why do they remain relevant in today’s investment landscape? And what does the future hold? To answer these questions,…
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Tech Stocks Jitters Causes Market Panic
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15:07Tech Stocks Jitters Causes Market Panic Should you be worried about recent sharp falls in the USstock market? Watch video - https://youtu.be/Cfpksgfp0r8?si=4SSODNAxpictCwrl See also: 10,000 Millionaires Leave The UK.. Why are millionaires quitting Britain at the rate of oneevery 45 minutes? Watch full video - https://youtu.be/AcI6g-O3yxs?si=qCTDkB3…
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‘Big win for the profession’: The importance of education reform
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37:22In this episode of The ifa Show, host Keith Ford is joined by the chief executive of WT Financial Group, Keith Cullen, to break down the government’s adviser education reform announcement, and why the profession needs to be pragmatic about the pathways to bring in new advisers. Cullen explains why he sees opening up financial advice to a wider rang…
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Ep. 80 - Idaho Falls survey! Gothic Gala! Hitt construction! Todd Kunz! Things that can GOAF!
1:04:11
1:04:11
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1:04:11Please subscribe on YouTube! 😊 https://www.youtube.com/@ifafpod?sub_confirmation=1 Google AI Overview of the Idaho Falls podcast, Valentine's Day and Galentine's Day and other names for the day, Grand Peaks Prime Meats and Love At First Bite, using common phrases for business names, Idaho Falls Pride Queerhearts Gothic Gala this Saturday night at t…
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Pick of the Week #964 – Bug Wars #1
1:14:22
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1:14:22It's iFanboy 20/25 -- 20 years of podcasting and 25 years of iFanboy! You're either the hero who loves bugs, or you live long enough to become the villain who hates them. That discussion and more in this week's episode! Note: Time codes are estimates due to dynamic ad insertion by the distributor. Running Time: 01:08:22 Pick of the Week: 00:01:32 -…
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Bonus Minisode! All the 2025 East Idaho Girl Scout Cookies ranked!
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34:10Please subscribe on YouTube! 😊 https://www.youtube.com/@ifafpod?sub_confirmation=1 An exclusive preview of the 2025 East Idaho Girl Scout Cookies! (Silver Sage Council, ABC Bakers) We rank our favorite flavors like Adventurefuls, Caramel deLites, Lemonades, Peanut Butter Patties, Peanut Butter Sandwich, Thin Mints, Toast-Yay!, and Trefoils, and fin…
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Mediasplode #55 – SNL50: The Saturday Night Fantasy Draft & The SNL50 Documentaries
1:03:11
1:03:11
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1:03:11Thanks to our awesome Patrons, we’re proud to present another episode of Mediasplode! Running Time: 01:01:11 This month, Josh Flanagan and Conor Kilpatrick are joined by their original Pick of the Week co-host Ron Richards to discuss… What We’ve Been Enjoying: 00:02:33 – Conor (and Ron) have been watching Paradise. 00:05:32 – Ron has been listening…
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#055 - A hadra fogott Google AI és a Google-mentes telefon esete (2025-02-12)
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42:44Hadra fogható lett-e a Google AI? Tényleg összebútorozott az Apple és Elon Musk? Mik azok az "árván maradt" játékok, és miért figyelmezteti ezekről a felhasználókat a világ egyik legnagyobb játékboltja? Az iFater e heti híreiben többek közt ezekre keressük a választ, míg az adás második részében közelmúltbeli kutatási eredményeket vizsgálunk azzal …
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Podcast #108: Three ways IFAs can enhance their advisory portfolios – with Collidr’s Symon Stickney
14:53
14:53
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14:53Many financial advisers are turning to outsourced investment solutions—but for those who prefer to keep full control in-house, the challenges are different. Can technology help? If so, how? What are the key obstacles, and how can advisers overcome them? In this episode, we dive into these pressing questions with Symon Stickney, Founder and CEO of C…
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Podcast #107: The evolving role of Paraplanners - Mentorship, motivation and success strategies with Sam Patterson
31:46
31:46
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31:46We’re excited to bring you another insightful conversation from the world of financial services. Hosted by Sue Whitbread, editor of IFA Magazine, and senior financial journalist, Jenny Hunter, this week’s episode shines a spotlight on key topics from within the paraplanner profession.โดย IFA Magazine
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Ep. 79 - INL No Mo Wo Ho! Souper Bowl food drive! Red Dress Concert! My neck my back!
1:02:45
1:02:45
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1:02:45Please subscribe on YouTube! 😊 https://www.youtube.com/@ifafpod?sub_confirmation=1 Super Bowl LIX and ads and snacks and hangovers, INL work from home employees called back to in-person on-site workplace, one perk of working from home that no one talks about, Burning Man Decompression, duck and ducking, The Pocatello Land Grab is available to rent …
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Pick of the Week #963 – Batman: Off-World #6
1:22:03
1:22:03
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1:22:03It's iFanboy 20/25 -- 20 years of podcasting and 25 years of iFanboy! Like Batman in space, let us be your shining light in the darkness! It's a Jason Aaron heavy week, and there's nothing wrong with that. And bring cue cards! Note: Time codes are estimates due to dynamic ad insertion by the distributor. Running Time: 01:17:49 Pick of the Week: 00:…
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Spotlight Episode 6 - Greece
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23:13In this episode of IFATCA Spotlight, our host Thorsten Raue interviews Olga Toki, a member of the Greek Air Traffic Controllers Association (ΕΕΕΚΕ-GATCA). They discuss Olga's journey into air traffic control, the challenges air traffic controllers face in Greece, including understaffing and outdated technology, and the importance of safety and team…
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#054 - Kvantumverseny a nagyvilágban és mikrofonpárbaj az iFaterben (2025-02-05)
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40:24Beindult a kvantumverseny: bár mindenki az AI-ról beszél, az IT világban szép csendben felpörgött a számítási kapacitás iránti igényeket végre kiszolgálni látszó megoldás, és néhány éven belül eljöhet a kvantumszámítógépek kora - legalábbis ha hihetünk a szakértőknek. Körbejárjuk, hol is tart most ez a terület, és mire számíthatunk a drasztikusan m…
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Podcast #106: Investing in 2025 - What to look out for with Morningstar’s Dan Kemp
21:04
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21:04This week, Jenny and Brandon are diving into what lies ahead for investing in 2025. After the rollercoaster of 2024, the year ahead might look calmer, but it’s still packed with important questions and opportunities for advisers and their clients. We are joined this week by Dan Kemp, Chief Research and Investment Officer at Morningstar. Dan shares …
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Navigating the complexities of cyber security in 2025
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43:07In the latest episode of The ifa Show, host Keith Ford is joined by the founder of The Cyber Collective, Fraser Jack, to discuss how technological advancements have impacted the cyber security space and the doubled-edged sword of AI. Reflecting on the evolving landscape of cyber security, Jack emphasised the importance of creating resilient busines…
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Ep. 78 - Museum of AIdaho! American Primeval! Dank DeMoss! Karley's Salt Lake City birthday!
1:05:18
1:05:18
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1:05:18Please subscribe on YouTube! 😊 https://www.youtube.com/@ifafpod?sub_confirmation=1 Email newsletters, the new Museum of Idaho AI exhibit, glitter, why AI art is getting worse, Mary Shelley, Idaho Falls zoo bat night, our bonus minisode featuring Nathan Olsen the attorney featured in the new documentary The Great Pocatello Land Grab, how to pronounc…
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Podcast #105: Financial Services in an AI Era with Stuart Breyer from Mallowstreet
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18:03In our latest IFA Talk podcast, hosts Jenny and Brandon sit down with Stuart Breyer, CEO of Mallowstreet, to talk all things AI and its growing role in financial services. Stu shares how Mallowstreet is using AI, especially their SOFI tool, to make things run smoother and drive innovation. They chat about how AI can work alongside advisers to boost…
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Pick of the Week #962 – Redcoat #9
1:10:12
1:10:12
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1:10:12It’s iFanboy 20/25 — 20 years of podcasting and 25 years of iFanboy! Hey Siri! Josh Flanagan and Conor Kilpatrick have a bit of the comic book blues, but making lemonade out of lemons is basically what they do here, at least on Fifth Weeks. Note: Time codes are estimates due to dynamic ad insertion by the distributor. Running Time: 01:05:12 Pick of…
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Bonus Minisode! The Great Pocatello Land Grab exposed!
46:23
46:23
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46:23Please subscribe on YouTube! 😊 https://www.youtube.com/@ifafpod?sub_confirmation=1 In this exclusive interview, attorney Nathan Olsen reveals the fascinating story behind The Great Pocatello Land Grab, a brand new documentary that premieres tonight in Pocatello! It's a dramatic documentary about the real life version of "Yellowstone" and a court ca…
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In recent years, the UK has seen an exodus of high-net-worth individuals (HNWIs), with over 10,000 millionaires leaving the country in the past decade. This trend is raisingconcerns about its long-term impact on the economy and tax revenues. Why AreMillionaires Leaving? Factors driving thismigration include high taxes, rising living costs, and stri…
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In recent years, the UK has seen an exodus of high-net-worth individuals (HNWIs), with over 10,000 millionaires leaving the country in the past decade. This trend is raisingconcerns about its long-term impact on the economy and tax revenues. Why AreMillionaires Leaving? Factors driving thismigration include high taxes, rising living costs, and stri…
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#053 - Recseg-ropog az AI lufi, úgyhogy ideje vérnyomást mérni (2025-01-29)
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40:27Megreccsent az USA AI piaca: mi történt, amikor egy kínai vállalat bejelentette az iparági mértékek szerint "fillérekből" felépített mesterséges intelligenciáját, és hogyan okozhatott ez milliárd dolláros zuhanást a tőzsdén egyetlen nap alatt? Többek közt a hét AI hírére is kitérünk, de szó lesz az okosórák nagy öregének számító Pebble visszatérésé…
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M&P Podcast #13: Supporting first-time buyers in a challenging market. With Buckinghamshire Building Soc’s Claire Askham
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15:52A thriving property market relies on a strong foundation of first-time buyers. But with rising concerns about prolonged higher interest rates and the changes to those temporary stamp duty reliefs coming in from 1st April, the landscape is changing—and not in their favour. These shifts will impact everyone looking to move, but first-time buyers face…
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Leadership in a changing world – Trump’s influence on DEI and beyond
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36:15In this episode of The ifa Show, we share a discussion between host Maja Garaca Djurdjevic and associate professor Nathan Eva, from Monash Business School, on the global implications of US President Donald Trump's "me-first agenda" on organisational culture, including within Australia. Eva breaks down Trump’s executive orders rolling back diversity…
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Ep. 77 - Loud booms solved? Idaho driving! Paperclip to $8,000! WinCo in Rexburg!
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1:01:40Please subscribe on YouTube! 😊 https://www.youtube.com/@ifafpod?sub_confirmation=1 Award season, D.A.R.E., East Idaho Fly Tying & Fly Fishing Expo, back into double digit weather, daylight hours, TikTok outage and Fox News Sunday flub up, Elon Musk Nazi or not so salute, Trump executive orders including halting the Idaho Lava Ridge Wind Project, JF…
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Pick of the Week #961 – G.I. Joe: A Real American Hero #313
1:03:26
1:03:26
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1:03:26It’s iFanboy 20/25 — 20 years of podcasting and 25 years of iFanboy! This week, Josh Flanagan is a little bit under the weather and Conor Kilpatrick may or may not be on drugs. Note: Time codes are estimates due to dynamic ad insertion by the distributor. Running Time: 00:59:26 Pick of the Week: 00:01:53 – G.I. Joe: A Real American Hero #313 Comics…
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The U.S. economy is being hailed by President Donald Trump as entering a "Golden Age" as it capitalizes oninnovations in technology, renewable energy, and manufacturing reshoring. Withrecord-low unemployment and robust GDP growth, the U.S. is setting a strongexample for global markets. But what does this mean for the UK economy? Watch video version…
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#052 - 2025 a képernyőkön, avagy a tévépiac idénje; valamint az AI Superzoom legyen veletek! (2025-01-22)
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43:31Hordozható képernyők, festménynek álcázott, fényesebb és takarékosabb tévék és 2025 trendjei úgy általában, ha televíziózásról van szó - az iFaterben sorra vesszük az év várható irányzatait a televíziók piacán, leginkább az alapján, amit az idei első nagy expo, a CES alkalmával mutattak a gyártók. És ha már trendek: vajon az AI fotózás egy új korsz…
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Podcast #104: Partnering for success – working with a strategic investment partner
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20:44On this week’s IFA Talk podcast, Sue and Brandon sit down with Andrew Rockey, Head of Investment Solutions, and Tom Ball, Investment Solutions Director at Brooks Macdonald. Together, they explore how advisers can navigate today’s challenges and uncover opportunities to deliver effective, client-focused investment solutions.…
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Why firms bringing on PY advisers is vital for the future of advice
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29:35In the latest episode of The ifa Show, host Keith Ford is joined by academic and consultant Dr Katherine Hunt to dive into the barriers that are holding advice firms back from bringing on young advisers and why overcoming them is important for the future of the profession. Reflecting on conversations with advisers who have decided working with prof…
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Ep. 76 - State of the City! 17th & Hitt closed! Why we live where the air hurts our face!
1:03:26
1:03:26
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1:03:26Please subscribe on YouTube! 😊 https://www.youtube.com/@ifafpod?sub_confirmation=1 How cold is it, why we live where the air hurts our face, Schrödinger's TikTok, TikTok alternatives, Chinese apps, Communists, the correct Nirvana riff, idiotic internet commenters, we're on the Roddy TV podcast this week, Madi Danger, Maria's podcast and the 16:14 R…
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Pick of the Week #960 – Batman & Robin: Year One #4
1:15:38
1:15:38
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1:15:38It’s iFanboy 20/25 — 20 years of podcasting and 25 years of iFanboy! Joking Josh and his trusty Comptroller Conor are joined by Rambling Dr. Ryan Haupt to discuss the week in comics! Note: Time codes are estimates due to dynamic ad insertion by the distributor. Running Time: 01:11:38 Pick of the Week: 00:02:46 – Batman & Robin: Year One #4 Comics: …
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Like a patient on the operating table with no pulse, theUK economy is barely growing. Prime Minister, Keir Starmer and Rachel Reeves are desperately banging on the chest of the patient trying to revive it. December figures show that the economy barely grew byjust 0.1%. They talk of growth, but where is it going to come from? 10,000 millionaires hav…
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Like a patient on the operating table with no pulse, theUK economy is barely growing. Prime Minister, Keir Starmer and Rachel Reeves are desperately banging on the chest of the patient trying to revive it. December figures show that the economy barely grew byjust 0.1%. They talk of growth, but where is it going to come from? 10,000 millionaires hav…
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Mediasplode #54 – What We Watched Over the Holidays
1:05:12
1:05:12
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1:05:12Thanks to our awesome Patrons, we’re proud to present another episode of Mediasplode! Running Time: 01:03:13 This month, Josh Flanagan and Conor Kilpatrick are joined by their original Pick of the Week co-host Ron Richards to discuss… What We’ve Been Enjoying: 00:01:29 – Fly Me to the Moon 00:03:57 – Emilia Pérez 00:06:21 – Gladiator II 00:08:06 – …
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#051 - CES 2025, avagy mit ad nekünk idén a technológia? (2025-01-15)
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37:26A főszerepben ezúttal a CES, azaz az év első nagy elektronikai expója Las Vegasban, mely amellett, hogy a futurisztikus és őrült ketyerék végtelen tárházát vonultatja fel, azt is előrevetíti, hogy milyen trendekre számíthatunk idén az otthoni szórakozástól kezdve a háztartási elektronikán át a PC iparig. A különleges kütyük vonalán maradva ezúttal …
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Podcast #103: What might Trump 2.0 mean for investing in the US? With Federated Hermes’ Mark Sherlock
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23:26Sue and Brandon’s guest on this week’s IFA Talk Podcast is Mark Sherlock, Head of US equities at Federated Hermes. In this episode, Mark tells us why he’s generally feeling positive about US investment prospects – particularly in the small and mid-cap arena where valuations remain compelling. They discuss some of the uncertainties as well as risks …
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In this fifth episode, IFATCA Spotlight heads to South America: host Thorsten Raue interviews Fedor Romero, an air traffic controller from Peru. Fedor shares his journey into air traffic control, detailing his training and experiences in Cusco and Lima. The conversation explores the current developments at Lima Airport, including the challenges of …
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M&A trends and the Australian financial services landscape in 2025
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41:06In the latest episode of The ifa Show, host Keith Ford sits down with founder and director of Forte Asset Solutions, Steve Prendeville, to break down what’s happening in the financial services mergers and acquisitions (M&A) space. With activity high across the board, including multiple bidders attempting to take over Insignia Financial, Prendeville…
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Ep. 75 - Reed's Dairy gives back! D93 hacked! 17th Street closure! Driggs Snowscapes! Chili dogs!
1:04:00
1:04:00
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1:04:00Please subscribe on YouTube! 😊 https://www.youtube.com/@ifafpod?sub_confirmation=1 Free trial month of 2025, LA fires and Santa Ana winds and Mel Gibson and Joe Rogan, how much cows weigh, map of pack rat locations in the western United States, the SO gift card trick works both ways, the best chili dog in town according to Mr. Chili Dog, how long D…
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Pick of the Week #959 – Absolute Batman #4
1:07:45
1:07:45
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1:07:45It's iFanboy 20/25 -- 20 years of podcasting and 25 years of iFanboy! If you've seen the news, you probably know Los Angeles resident Conor Kilpatrick is going through some stuff. But the balm of the show works its magic on he and Josh Flanagan once again. Thank goodness it was also a strong week of comic book releases. Note: Time codes are estimat…
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Is Great Britain Finished? The Debt Crisis Unveiled
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13:44
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13:44Is Great Britain Finished? The Debt Crisis Unveiled · Debt crisis in the bond market · Rachel Reeves flies off to China · £3 trillion national debt rising by £5170 persecond · Higher taxes, low investment, slow growth · GDP per capital lower that 17 years ago. Is GreatBritain Finished? The Debt Crisis Unveiled · As the UK faces mountingeconomic cha…
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Booksplode #66 – Fortune and Glory: The Musical
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36:00Thanks to our awesome Patrons, we’re proud to present another Booksplode! This month, Conor Kilpatrick and Josh Flanagan take a look at… Fortune and Glory: The Musical by Brian Michael Bendis, Bill Walko, Wes Dzioba, & Joshua Reed. Running Time: 00:34:00 What’s a Booksplode? It’s a bi-monthly special edition show in which we take a look at a single…
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#050 - A Meta elhozza a Halott Internet korát? (2025-01-08)
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38:26A 2025-ös év sem maradhat iFater és tech nélkül, ha pedig technológiáról beszélünk, akkor megkerülhetetlen téma a mesterséges intelligencia: míg az iparág egyik legfőbb szereplője, az OpenAI szerint továbbra sem jövedelmező a prémium AI szolgáltatásuk, addig a Meta rálépett a gázpedálra, és celebritások chatbotjai helyett immáron egy olyan stúdiót …
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Podcast #101: The challenges of being a director in an authorised firm alongside being an IFA, with Charles Chami
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19:43
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19:43In this episode of IFA Talk, Glamis IFA's Charles Chami, an IFA based in Bristol, discusses some of the many challenges he faces in his role as an IFA and as a director of a directly authorised business. Charles reveals what it was like moving from working an investment bank into the world of financial advice and what some of the biggest challenges…
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Start Building Wealth In 2025 And Break The Spending Habit
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14:34
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14:34Start Building Wealth In 2025 And Break The SpendingHabit · Stop spending! You can’t spend your way tofinancial freedom! · Stop blowing every penny and start saving andinvesting for your future. · Stop running up credit card debt and usingcredit to buy consumer goods. · Stop shopping! Make investing your hobby insteadof shopping! · Stop living beyo…
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