If you are interested in knowing what to expect in 2020 and how to make sure you aren't left behind, broke and beaten, then you need to watch this video training. It will show you what is really going on in our economy and how you can beat the odds by using this destructive period to become extremely wealthy.
I'll have to warn you: some of the stuff I say may upset some people. Just a warning!
And each year I do the exact same thing. I plan on "skating" through it the best way that I can...except that there's always a "trip wire" somewhere...that pesky wire that trips me into a state of sadness and despondency.
You see, unlike most, I don't have a family to spend time with for the holidays. Yes, I have my daughter. You can see her above in the picture opening a gift, shocked that I gave her two pairs of Lululemons. (And if you don't know what they are, that's even better. They're way overpriced yoga pants!)
And then, after opening gifts, she headed off with her dad to spend the day with him. So, it was me, my cats and my dog Sally.
So, if you're someone who struggles with the holidays -- regardless of it being about family (or lack thereof), finances, or any other reason -- I'm with you. I totally get it.
But...there IS a light at the end of the tunnel!
A New Awesome Year is Ahead!
I always look forward to the New Year because it holds such promise for a brand new future. Just think, you'll be able to meet new people, have new experiences, and have a new financial outlook!
What do you think?
What hopes do you have for 2020?
For me, I have a lot of new things coming up. I'm working on a new book which will probably surprise you. (I'll tell you the title and subject matter later on.) I'm expanding my business and training.
And I'll be doing more one-on-one stuff with my students.
In fact, you can check out some of what I have coming up in this video I made for you.
Years ago I bought a money-making manual off of eBay which was by a guy named Vincent James called The $77 Million Manual. I heard about this guy through a highly-regarded copywriter by the name of Gary Halbert (God rest his soul) who was (and still is in many circles) revered as the best copywriter who ever lived.
The manual -- if that's what you want to call it -- was riddled with endless amounts of mistakes, English misspellings, grammatical errors -- not to mention all of the paragraph formatting being all over the page -- making it very difficult to read because he wrote it within days of being hauled off to prison to do a sentence concerning the legal mishaps with his $77-million-dollar company.
What was awesome about this book (if you can still find it anywhere) is that it gives you his EXACT blueprint to create a multi-million-dollar direct marketing empire INCLUDING what NOT to do to get into legal trouble like he did.
For me personally...it didn't matter how many errors there are in a text provided that it's giving me a MAP to become SUPER SUCCESSFUL in whatever I'm reading about.
As the $77 Million Manual did for me.
You see, the important part of this story is that I DID follow Vincent's advice (with some tweaks and minor changes) and started a company called Brie Labs based on his business model. And within mere months the company turned into a CASH COW, bringing in millions of dollars based on his basic business structure as he outlined in his manual.
And to think...if I would have discounted his manual because of the misspelled words, grammatical issues, imperfections, etc...how I would have been running around like the rest of the unsuccessful "perfectionists" who won't dare follow through with ANY book, course, manual or other text that has a single misspelled word or one single grammatical error because, after all, that IS the ONLY reason you're reading a book about business or investing, right?
Because you're trying to play self-appointed editor-and-chief?
It would be just as stupid to criticize a treasure map that can lead you to a $77 million dollar gold bullion mother-load because somebody misspelled some words on the map as he was trying to describe where the gold was buried.
Stupid, stupid, STUPID!!
This was during one of my past rants about how a student sent me an email about how my 100K in 100 Days book was really good but...he noticed some grammatical errors that he wanted to correct for me, becoming the unwanted wannabe English professor or something. So, instead of focusing on the multi-million-dollar TESTED-AND-PROVEN BLUEPRINT MAP that was provided in the book, he decided he wanted to complain about a misspelled word here and there...and an incorrectly executed sentence a couple of times in the book INSTEAD.
Unbelievable!!
And then it's people like him who wonder -- as they regularly cry in their beer -- why success evades them constantly. It's because they can't get out of their own way, that's why!
What's awesome about what I'm doing now is that I'm teaching my students how to follow MY EXACT blueprint business plan that I've been using for the past several years (since 2011 to be exact) that YOU can now use to build your OWN multi-million-dollar empire using direct mail marketing as the main strategy to bring in droves of orders (and money)!
And I've giving you this entire blueprint for only $37 (plus $7 shipping/handling).
Why?
Because I want you to have it, use it, and make money with it.
That's why.
I'm lowering the barrier of entry so that EVERYONE can have this money-making blueprint and so that NO ONE can make a single excuse as to why they don't have the access to this powerful life-changing secret success treasure map. If you can afford to take a family of 4 to McDonald's to each lunch...you can afford the cost of the 100K in 100 Days Package.
This package includes:
* The 100K in 100 Days Book
* The 100K Treasure Map
* A Flash Drive Which Includes: (1) A Complete Audio Seminar, (2) My Most Successful Online Money-Making Clones, and (3) Full Instructions on Setting Up These Clones in LESS THAN ONE HOUR!
I explain exactly what's in this package in a quick video which you can see by CLICKING HERE right now!
Listen, we can always make excuses as to why this isn't possible or that won't work...or whatever you want the latest excuse to be. But, when I remove just about every barrier of entry (you just have to cough up $37 plus s/h and you have to actually read the book and go through the materials with it)...what other excuse could you possibly have?
Yes, that's when things get REAL...don't you think? And that REAL space can kind of be scary. Because...what DOES happen when all barriers are removed? Then you're left with the reality that maybe something else is going on inside of you that is stopping you from success. Like maybe you're not that motivated enough. Or maybe you just don't have the energy or the time. Or maybe you're just flat out lazy. Or whatever.
Or maybe you do want success...and you just needed that ONE SHOT. That ONE OPPORTUNITY...like Eminem says in his song Lose Yourself.
And this is it. This is that ONE SHOT for you.
CLICK HERE to get this deal NOW...while supplies last!
I strongly suggest you get this one. Even if you ignore or skip out on everything else I offer, GET THIS ONE!
What are you grateful for this year on this beautiful Thanksgiving Day?
And did you know that the more you FEEL grateful for what you have -- not just on Thanksgiving day but throughout the entire year -- the more awesome stuff you'll attract into your life?
I'm grateful for you! I've had the most amazing students come into my life, many who have become my friends and family. And I'm so lucky to have such amazing people just like you in my life. And I'm looking forward to many more years together to come.
I just wanted to take the time to wish you a happy, healthy, and wonderful Thanksgiving! And may you revel in the gratitude of all the incredible things in your life, now and in the immediate future.
See you at the top!
Your mentor,
Monica Main
P.S. If you missed the webinar I did the other night, you can CLICK HERE to check out the replay. It's on my 100K in 100 Days SECRET and it's a training you DO NOT want to miss! CLICK HERE to watch the training now!
Last year I gave my students a tip on how to use the "holiday blitz" to remove some delinquencies off their credit reports. The students who used this strategy reported that they increased their personal credit FICOs anywhere from 44 to 96 FICO points just by using this little-known simple secret strategy.
So, I'm going to up the ante this year. Listen up if you don't have a mid-FICO of AT LEAST 720 or higher.
This project will cost you about $62 to do this because you'll be sending these letters these letters Priority (which costs $7.35 x 3 envelopes) and you'll need a current copy of your credit report (which you can get for $39.95 from www.Experian.com). But the upside is that you can increase your FICO score FASTER THAN ANY OTHER TIME IN THE YEAR because of the upcoming holiday season due to the credit bureaus being UNDERSTAFFED this time of year! So, take advantage of this ONCE-A-YEAR "credit blitz" by doing this little project (which, at most, will take you ONE FULL HOUR) between today and Sunday night. (The goal is to get your 3 Priority envelopes out in the mail between TOMORROW and NO LATER THAN MONDAY before the post office closes that day.)
Okay, so here are your EXACT instructions:
Step 1: Go to www.Experian.com to get all 3 of your credit reports and FICO scores. This will cost you about $39.95. Don't be cheap. Pay the money. Your entire credit future hangs on doing this project RIGHT the first time out.
Step 2: Print out the file (and also save a PDF copy in your computer) and take a highlighter marker for all the "adverse" items you'd like to dispute with the credit bureaus. (Usually these "adverse" items are listed first in your credit report.)
Step 3: Download my free letters (by CLICKING HERE) and use them as templates for the 3 credit bureaus. You will be creating a letter FOR EACH CREDIT BUREAU SEPARATELY. VERY IMPORTANT: While it's tempting to dispute online, DO NOT SUBMIT DISPUTES ONLINE. This will BACKFIRE on you. Take the time to fill in the letter templates that you downloaded from my website and MAIL OUT THE LETTERS in USPS Priority envelopes (ideally you will want to REQUIRE A SIGNATURE, which will cost an extra $3.05 each envelope or $9.15 total on top off the initial $62 investment so far.)
Step 4: Input each adverse account on your letter templates for each credit bureau. Since most of the information will be duplicate from one report to the other, I recommend creating one letter to include each disputed account and then simply change the credit bureau name and address at the top of the page for each subsequent bureau letter. This will save you loads of time. Be sure to SAVE YOUR LETTER so you can repeat this process in 30 days if needed.
Step 5: Print out each letter. Make 3 copies of your valid driver's license or passport. Make 3 copies of at least 2 utility bills showing your name and your current address. If you moved within the past 2 years, be sure to include your prior address at the very bottom of your credit bureau letters. Each envelope should contain the following: 1 Letter, 1 Driver's License (or Passport) Copy, and 2 RECENT Utility Bill Copies (showing your name and current address). This will disallow the bureaus from playing games with you to buy time by saying something like, "We don't believe this is a legit dispute." Or, "Prove your identity," and giving them another 30 days to put off the process. You can't afford to be dickering around like this with them. And since they're understaffed during this time of year, it's typical that they try to blow people off with whatever lame response they can muster if you don't have all the paperwork I outlined above in your envelope.
Make sure you send the envelopes to the CORRECT and current addresses on file for each bureau which are as follows:
Experian
PO Box 4500
Allen, TX 75013
Transunion
PO Box 2000
Chester, PA 19016
Equifax
PO Box 740256
Atlanta, GA 30374
Get those suckers out in the mail (remember, use USPS Priority with a SIGNATURE CONFIRMATION) either tomorrow (ideally) or Monday (no later than the close of business).
And what happens next?
Most of the credit bureau staff is either gone on vacation starting Monday. Those who are working aren't mentally "on the job" and are probably going to be pissed off that they're working when they believe they shouldn't be but because they don't have enough seniority to have time off. These are the staffers who will be grumbling because they have to sit in their soul-sucking cubicle in a barren office. So, likely they're playing Candy Crush instead of working just to "stick it to the man." This means that your envelope just rots away on their desk, garnering no attention at all. (I'll explain in a minute why this is actually a good thing!)
In case you don't know how imperative this 30-day period is (starting tomorrow), let's analyze this period.
If you mail your letters NO LATER THAN THE CLOSE OF BUSINESS ON MONDAY, they'll get the letters via USPS Priority (2-day) which means they arrive to the bureaus by Wednesday (the day BEFORE Thanksgiving). This is when the clock for you starts ticking on the 30-day time frame in which they are legally required to complete your investigations on your claimed disputes. Thirty days from that day (that your envelope arrives) is going to be right after Christmas. And nobody is there between Christmas and New Years either. In fact, during most of this next 30-day period, many of the credit bureau (and creditors including collection agencies, law offices handling collections, etc.) are taking loads of time off too.
TAKE FULL ADVANTAGE OF THIS ONCE-A-YEAR "CREDIT BLITZ" BECAUSE THIS HAPPENS ONLY ONE TIME PER YEAR!!
Let me walk you through what happens when you file a dispute with the credit bureau. They receive your letter and have 30 days to investigate your dispute. During this investigation, they will send a letter to the creditors you are disputing and require that they send the appropriate documentation required to substantiate that the account(s) you are disputing is yours.
Except that during the "holiday blitz," many of these employees working for these companies aren't around, they're taking extra time off, and when they actually are working, their minds are elsewhere such as thinking about shopping, cooking, partying, etc.
And this is where your advantage comes in. If there is no response (or a late response) from any of these creditors or collection agencies, the delinquent account falls off your credit report altogether as if it never existed in the first place.
You see, your envelope that was rotting on somebody's desk will be picked up by a more experienced credit bureau employee when he/she comes back from the Thanksgiving vacation. They'll be irritated that Lazy Jane didn't do the work (because she was too busy playing Candy Crush, remember), leaving the just-returning-from-vacay responsible staffer with a wheelbarrow full of credit dispute letters that MUST be done before the 30-day deadline...which is now already a full week in. So, this staffer has to work quick to catch up on the work, doing everything in her power to just get them done...usually deleting and updating a bunch of stuff (in your favor) just to get the work completed. (IMPORTANT: This is ALSO the time where they'll send out boilerplate "form" letters to people who did not include their driver's license or passport copy with 2 utility bills with the whole... "We're putting your investigations on hold until you prove your identity" shtick. This is why you MUST include a VALID copy of your driver's license or passport with 2 recent utility bills showing your name and current address so this DOESN'T happen to you!)
Within the past couple of years, because of major hacking breaches of security with the bureaus and among major creditors like Capital One, the credit bureaus were blasted with so many disputes in recent years so they started using slick tactics to "buy time" in order to put off the 30-day time line. They would do things like sending letters back stating that they didn't believe the letter was a "valid claim" or that they needed "proof" of your identity such as a driver's license and utility bill. (This is why you are REQUIRED to include these things with your dispute letters.)
So, let me reiterate what you'll be doing, for maximum clarity, because I won't be able to respond back to you in time if you send me an email for clarification (only if you want to take advantage of this "holiday blitz" because you don't have a mid-FICO of AT LEAST 720 or above). You're going to download these letters that are in the Microsoft Word document format. There is one for each of the bureaus including their respective addresses at the top of each letter. (Double check to make sure the address is the same as what I have above. What I have above are the MOST RECENT dispute addresses. Use those addresses.)
Next, get a copy of your credit report. If you received one recently (within the past 45 days or so) you can use that one. Otherwise, go to www.experian.com and download a new copy. Yes, it'll cost you $40. So what? You can also try some free services like www.creditkarma.com. You really don't need your FICO. You just need your delinquent or "negative/adverse" accounts.
Next, fill out each letter. Include your full name, current residential address, and your prior address if you've moved in the past 2 years. Include your Social Security Number and your date of birth.
The letters I've given you only has a section for one single disputed account. Copy the entire dispute section and keep pasting it underneath one right after the other for each account you will dispute. Put in the name of the creditor, the partial account number as shown on the credit report, and the dollar amount listed.
Here's a hot tip: Collection agency accounts (including those from a law office) will come off easier during this time than those from banks or very large lenders.
Print off your letters, SIGN the letter with a wet signature (use blue ink, if possible) then include a copy of your driver's license AND a utility bill of a major utility like the electric company or water company. Make sure the service address on the bill MATCHES the address where you currently reside. This will give them no excuse to kick out your dispute to buy themselves time.
Go to the post office and send via USPS Priority with a signature confirmation. You'll have tracking information for each one. And each bureau will receive this package no later than the Wednesday before Thanksgiving. This is when the 30-day clock will start.
Then, REPEAT THE PROCESS AGAIN on December 27th. You'll want your next set of 3 letters going out ON December 27th (even if you didn't receive a response back yet from the credit bureaus). You want those next set of disputes hitting their desks RIGHT BEFORE THE NEW YEAR. This second round won't be as effective but...if, say, 30% of your disputed items were positively updated or completely removed for you during the Thanksgiving Credit Blitz, then a second round can get, say, another 15% positively updated or completely removed, giving you some MAJOR positive progress when it comes to cleaning up your credit and boosting your overall FICO score.
By following these instructions, you will make the greatest impact on boosting your personal FICO during this time over any other time of the year because of these holidays that create "stumbling blocks" for the bureaus and creditors to respond in time.
Finally, I should add one more valuable tidbit of information if you want to dispute "inquiries": Experian is the only bureau that will allow you to dispute your "hard" inquiries. So, on your Experian letter, you can mention that you are also disputing the following inquiries then list the name of the company that put the inquiry on your credit and the date of the inquiry. Doing this alone can boost your score 10 to 20 points alone with Experian. (The other bureaus won't remove hard inquiries but sometimes I ask them too anyway because you never know when they may change their policies.)
Again, you can CLICK HERE to get my credit templates and I'm not charging you a dime for them. That's how giving of a person I am. 'Tis the season.
See you at the top!
Your mentor,
Monica Main
P.S. If you didn't have the chance to join me for my last 100K in 100 Days Secret Webinar Training, you have ONE MORE SHOT. I know we're coming up on Thanksgiving but this could be the perfect opportunity for you (while you're working less) to take a look at something extraordinary that I have lined up for you. If you'd like to join the training, CLICK HERE NOW! It's on Tuesday night. See you then!
Recently I had a guy from two decades ago -- a guy who was a "bad apple" ex-business partner -- contact me through Facebook. This guy was bad news, although I didn't know it at the time. I was barely 20-something when I met him and he seemed pretty kosher at that time in my life.
Except that he wasn't. He was a legal battle waiting to happen and, as it turned out, he actually became exactly that!
So, needless to say, after our business partnership went south, I never saw him again. This was back in the 1990s. So, yes, it's been a REALLY long time.
I thought it was pretty freaking BALLSY of him to contact me via Facebook in light of everything he and his bad dealings had put me through back then.
But...what the hell?! Water under the bridge, right? (That's what they say, don't they?) Just keep a VERY LONG arm-length's distance, is my methodology in instances like this. Never see the guy, never talk to the guy...just see what he's up to through Facebook. Keep it at that.
He immediately began to tell me how his life hasn't changed much since back then and went on to describe his life as being "impoverished."
Impoverished? Well, I'll be damned. Karma really does work!
But it wasn't so much "karma" for doing bad misdeeds (to me and many others) back then (although I'm sure it was PART of the equation in his being "impoverished")...
It was his BAD HABITS that he NEVER changed.
You see, he always had a bad credit score, never paid his bills, never paid off past (or current) debts...NO MATTER HOW MUCH MONEY HE MADE. Yes, you read that correctly. He made money -- and lots of it -- back then but he NEVER paid his bills!
I never understood this foolish mentality!
I was always very good about paying everything, and EARLY on top of that! But to vindictively not pay bills just because...you don't want to pay them?
Who THINKS like that?
Evidently HE does, that's who. (Hopefully you don't think that way!)
So...all these years later, you can compare both of us. Me...and him. And it comes down to one thing: FINANCIAL RESPONSIBILITY.
I'm rich. He's not. Not by a LONG SHOT.
And there's one MAJOR element as to why. FINANCIAL RESPONSIBILITY!
I have GREAT personal credit; he STILL has crappy credit (and he's worked pretty hard to keep it this way for 20 years)!
I'm able to use OPM or Other People's Money to gain wealth. He's not because...well, he chooses to never pay his bills or debts.
Therefore, I am wealthy; he is impoverished.
All because he has BAD CREDIT (and chooses to keep it that way)!
Yes, it pretty much comes down to that ONE THING that separates me and him. We know the same sales and marketing skills. We're both good at sales. We both know real estate.
But I have money. He DOESN'T have money.
And it's because of the BAD HABIT of his not fixing and rebuilding his credit.
Think about it: 20 years went by and he could have refurbished his credit profile FROM SCRATCH twice over had he filed for bankruptcy twice. (As far as I know he didn't file for bankruptcy but he could have and STILL been able to have an 800+ FICO score by now!)
So, what does all this mean? It means that what can separate two people with the same knowledge and set of skills comes down to one reoccurring theme and issue all the time: Access to OPM (Other People's Money).
If you do not have a mid-FICO in the 700s then you need to do something about your personal credit situation. NOW!
In fact, we're coming up on the BEST TIME OF YEAR to start mailing in dispute letters to dispute ALL of your adverse accounts on your 3 credit reports: Experian, Equifax, and Transunion. Yes, mail in your letters the FRIDAY BEFORE THANKSGIVING (which is right around the corner).
I'll even give you the letters without charging you one stinkin' cent. CLICK HERE to get the letters to use to dispute all of your negative items on your credit. Again, you'll want to MAIL these letters the FRIDAY BEFORE THANKSGIVING.
CLICK HERE to download the dispute letters right now.
In the meantime, I have another way for you to access OPM or Other People's Money including my investors, private money people, and partners. You'll want to get:
Motherload 2020
Flip It Profit
No-Cash-No-Credit
Commercial Cash Flow
To access ALL of the resources you'll ever need.
I explain it all in this short video which you can watch right now by CLICKING HERE!
I'm pretty sure I started warning everyone that this was coming...back in late summer of 2016. Then the "reports" came out after the close of the 3rd and 4th quarters of 2016 substantiating everything I said: that the "sub-prime" credit bubble was set to burst. Again.
The reports were worse than ever this time last year when it was reported in the 4th quarter of 2018 that our sub-prime credit bubble was worse than previously thought before.
And now, a year later, the numbers are worse than ever before, even to the point where Warren Buffet decided to sell off his stake in Wells Fargo, a noted sub-prime lender of all kinds of sub-prime debt including car loans, signature loans, home mortgages, etc.
Apparently nobody learned ANYTHING from pre-2008. And if they did learn any lessons, they've certainly forgotten them already.
As of the close of the last fiscal quarter, approximately 6 million people (all with credit scores below 620) were 3 or more months late on their car payments. Even worse, car loans are STILL being made to people with FICO scores of around 520. These people shouldn't be given a loan for ANYTHING let alone a new (or used) car.
And yes, banks have already restricted lending on -- you guessed it -- REAL ESTATE because they have to start hedging their bets against the astronomical losses on all kinds of loans that they're already taking.
This would be REASON #1 as to why and how our economic conditions will suddenly show signs for the worse.
So...what would be the second reason?
Remember that "trickle down" economics theory? You know, the one that NEVER works the way anyone tries to "sell" it to the American public that it will? Well, your large corporations like Carrier are laying people off because, well...they would like to keep EVEN MORE of their newfound profits. Why stop at just paying LESS in corporate taxes? Why not lay unneeded workers OFF to keep EVEN MORE money? As Homer Simpson would say, "Duuooh!" Yes, after the fact, it kind of IS that obvious to those of us who actually have a few working brain cells in our skulls.
The final reason is -- as something I've been talking about for YEARS now -- plants, manufacturers, and even RETAIL businesses are starting to AUTOMATE anything and everything they can.
Case in point, Amazon has been promising jobs left and right to be able to get local tax breaks AND promised incentives to park their new distribution centers in a wide variety of areas including economically-stressed places like Detroit. What they'll generally do is make a load of promises on jobs, get in there, and every-so-slowly hire people in...probably with no intent on keeping up with the promised job numbers. At least not any time soon. For example, they have a new 1-million-square-foot warehouse in the Midwest in which they promised 1,000 new jobs. First of all, a warehouse THAT size should command many more than just 1,000 jobs. But even still, they didn't hit the mark on hiring all these people. Not yet. Will they? Who knows?!
Walmart and many other companies are cutting back staff and employees for automated technology. And I've been sending out this warning for a long time now.
In fact, if I owned a bunch of fast food restaurants -- say McDonald's -- and I was suddenly hit with this new $15-an-hour minimum wage requirement, I'd GO INTO DEBT for the next 10 years buying new automation equipment than to cheerfully give a bunch of career-burger-flippers a full-time position at $15/hour for...flipping burgers. Ridiculous. If anyone ever thought that kind of job was supposed to be a career giving them a "livable" wage, think again...and maybe go back to college while you're thinking.
Back in my day, getting a McDonald's job was supposed to be for those of us still living with our parents. It was supposed to be a side thing that we did after school and on the weekends while we were in high school for some pocket cash. It was NEVER meant to be a "career" by any stretch of the imagination. So, all these dim-wits who think that a job like flipping burgers at McDonald's IS supposed to be a long-term career...well, those people are all in for a very rude earth-shattering awakening when these business owners start thinking like I do and that is to AUTOMATE and REPLACE as many human workers as possible.
After all, why deal with the employee liability when you don't have to with a robot? No more calling in sick (and taking sick pay), being rude to customers (including spitting in the food), dealing with sexual harassment charges or other possible bogus claims, having to shell out on unemployment if they are "not rightfully" terminated or laid off, paying for insurances (health and Worker's Comp)...and on and on it goes with human workers. With robots, all you need is an independent contractor to service the equipment once in awhile and...there you go! No inconsistencies in performance, no liability, no additional expense...no nothin'!
TREND ALERT: If you're paying attention to what I'm saying, you'll realize that being in the "robot biz" is where it's going to be at now and in the future.
If you recall -- post 2008 years -- our economy shifted in such a dramatic way, even eliminating certain industries altogether AND IT'S ABOUT TO HAPPEN AGAIN!
Are you prepared for this?
The BEST way to prepare is to be able to PROFIT from the changes and drops that are coming up.
And I have an answer for you.
CLICK HERE for the answer that will LITERALLY be the answer to your prayers when the sh** hits the fan (which is happening NOW if you're paying attention).
