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19875 | So hopefully you are not spending the money before you make it. If you are, you are asking for trouble. If not the solution is easy. If you use a spreadsheet for tracking have a item in your checking account running total that is simply CC to pay. Lets say you just got paid, and your balance is like this: You can t... | [
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19880 | Hey, I'm also a software engineer in Cleveland. There's actually tons to do, but it sounds like you just don't know anyone in your age range/not married. Check out the east bank flats or w 25th in Ohio city. If the bar scene isn't your thing there are still tons of other options so long as you have some type of hobby o... | [
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19884 | "Since all the other answers thus far seem to downplay the risk (likelihood) of the money being seized, I figure I may as well make my comment an answer. Unless you happen to have your legal team travelling with you and your suitcase of cash, you should expect that you'll be questioned extensively, so that any sign of ... | [
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19912 | "This is the best tl;dr I could make, [original](http://money.cnn.com/2017/10/04/news/economy/india-economy-modi-slowdown/index.html) reduced by 92%. (I'm a bot) ***** > Prime Minister Narendra Modi swept into power in 2014, promising to take India's economy to new heights. > India is still reeling from... | [
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19935 | > Ohh hahah I was thinking we'd do like a stock options situation if this goes big. Oh, I was thinking we'd do like a data entry situation if this goes big. You send me $50 and a CSV file every time you want to do anything with the program, and I'll do it. > Or you could just do it for exposure? Cool, good dea... | [
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19936 | Make sure you have a budget, there is a pretty cool budget tracker that you can download here (it works in excel and is easy to use). The important thing is to not only make a budget but also keep in touch and track your budget, some free ebooks and other investment ebooks too. Just start with the budget tracker: htt... | [
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19946 | [it was 15 to 1 before the SEC decided that big banks needed to be able to risk more.](http://en.wikipedia.org/wiki/Net_capital_rule) it also started teh distrust between banks. With 15 to 1 you were pretty sure that another bank you were dealing with was leveraged exactly 15 to 1. WHen he removed that requirement, th... | [
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19958 | Either way, letting these humongous institutions fail would have undoubtedly produced a worse result (best case scenario complete credit freeze, i.e no mre credit cards. Worst case scenario, even the most financially sound banks fail as part of a financial domino effect and we're back to trading deer skin for beaver p... | [
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19973 | "Will it be more money for me now if I don't take it out? Yes Will it be more money for for my retirement if I do? Yes The difference will be the existence of a match and tax-deferral. If there is a match then you will have an instant 100% gain on the amount that is matched. From a tax standpoint, putting some in your... | [
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19977 | If the money awarded is sufficient to cover the cost of supporting their software, then you can at the time of entering the contract make a pledge of the money. However if you need to prove that you have sufficient funds otherwise, you need to ask the organizers what they need, typically a Bank Statement showing the ... | [
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19981 | Putting extra people on their planes is a very low cost for them - basically just a few bucks for extra fuel they'll burn to move another 180 lb human through the air. To help seal multi-million-dollar deals, it's fine. | [
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19985 | "I hate when people say this type of thing. Someone spending $20k on an event is using their residual income, and can most definitely also afford to go on vacations. It's like saying ""I'd never buy a Lamborghini, I'd buy a house instead"". That's nice wishful thinking, but the dude getting a Lambo isn't going to have ... | [
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19986 | "Currencies such as the dollar, the Euro, and most others are no longer tied to gold in any way. They are just paper that is worth what it's worth because everyone agrees to accept it. Previously, currencies used to be commonly tied to gold reserves, and could theoretically be ""cashed in"" for gold, although not usua... | [
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19999 | You need the Present Value, not Future Value formula for this. The loan amount or 1000 is paid/received now (not in the future). The formula is $ PMT = PV (r/n)(1+r/n)^{nt} / [(1+r/n)^{nt} - 1] $ See for example http://www.calculatorsoup.com/calculators/financial/loan-calculator.php With PV = 1000, r=0.07, n=12, t=3 w... | [
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20016 | "Illusions of transparency. Mitigation of risk. Emotion. The system. Short answer per sdg's post - it's the law. Long answer which I wont get into - it's a philosophical stance. It makes people feel better. It encourages a sense of ""the system really does work.""" | [
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20019 | Also VW has more brands, i.e. is more diversified This isn't necessarily a good thing for investing. It makes the company less likely to go down, but it limits your portfolio. For example, say you think that Hyundai is a good alternative to Volkswagen (VW) but really like Audi. If you buy VW, you get some Audi but a... | [
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20022 | Use the Black-Scholes formula. If you know the current price, an options strike price, time until expiration, and risk-free interest rate, then knowing the market price of the option will tell you what the market's estimation of the volatility is. This does rely on a few assumptions, such as Gaussian random walk, but t... | [
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20027 | Have to say, every once in awhile when I'm going to Google maps and I'm in a conversation about it, I say I'm going to mapquest it. They aren't necessarily synonymous with that, but it'd sort of ingrained in me after being born in the 80s and then growing up with that as being my main option in my teens. | [
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20036 | That's really not something that can be answered based on the information provided. There are a lot of factors involved: type of income, your wife's tax bracket, the split between Federal and State (if you're in a high bracket in a high income-tax rate State - it may even be more than 50%), etc etc. The fact that your ... | [
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20049 | Thank you for your feedback, I'd asked her all week about communicating to me a date of returning to work but at this point its costing me time and productivity. I cannot not help but feel I am being taken advantage of (because she knows she is killing it). I sent a message letting her know I'm seeking temp help and th... | [
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20054 | See the Mortgage Professor's calculators (#3). Go to bankrate and look up rates so you know what to punch in to those calculators. | [
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20064 | This is really shallow analysis. Just because revenues are up does not mean the market is healthy. This might indicate that a market dominating participant such as Amazon is causing prices to be aggressively driven up. The real issue isn't so much quaint dead tree versions facing off against e-books, but who is gett... | [
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20076 | The shareholders have a claim on the profits, but they may prefer that claim to be exercised in ways other than dividend payments. For example, they may want the company to invest all of its profits in growth, or they may want it to buy back shares to increase the value of the remaining shares, especially since dividen... | [
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20079 | The basic idea behind a derivative is very simple actually. It is a contract where the final value depends on (is derived from) the value of something else. Stock, for instance, is not a derivative because the contract itself is actually ownership of part of a company. Whereas car insurance is a derivative because t... | [
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20085 | "you make many assumptions, they are incorrect. our viewpoints regarding politics are probably pretty similar. you'd know that if you looked at my post history. everyone's post history is totally public! it helps us understand who we're talking to. it provides context. it speaks to your validity and intentions.... | [
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20095 | > Come on, Germany! Look at history and start understanding that you’d be far better off looking eastwards, reaching intelligent agreements with raw-materials-rich Russian, than with just dragging as dead-weight “Old Europe” and its increasingly decadent and misgoverned American controllers. | [
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20102 | >These people are being held below a livable standard by otherwise failed business models. Please explain who is being held down in this situation. An employment agreement is voluntary. Wages are set by supply and demand. >This country has the most profitable businesses in the world. Those jobs will be repl... | [
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20116 | You only have to own it for a day (or rather for some amount of time before the close of trading the day before the ex-dividend date). This is governed by exchange rules based on the date of record and payable date set by the company. You might want to look at this article or this one for more details. It should be d... | [
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20140 | "Not sure what your needs are or what NIS is: However here in the US a good choice for a single fund are ""Life Cycle Funds"". Here is a description from MS Money: http://www.msmoney.com/mm/investing/articles/life_cyclefunds.htm" | [
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20144 | Well, like I said, there's a big difference between working level bean counters who aren't allowed to think, and management bean counters who can use their brains. Process for process sake isn't a good thing in ANY profession. Maybe that's the difference. Bean counters (the little ones) are mired in process. | [
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20150 | >[**Новая экономическая игра от проверенного админа! 50 % чистой прибыли за 1 сбор монет!Заходи быстрее! [5:52]**](http://youtu.be/0bdNp92_Jlw) >>Привет друзья! В этом Видео, будет новая экономическая игра, от проверенного админа! > [*^Финансовый ^Вектор*](https://www.youtube.com/channel/UCAOABF2yT1SjVqI7... | [
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20165 | The credit limit is not going to be the problem; the daily spending limit is more likely be tripped first. I'm not a lawyer but if you are not responsible for the credit card details being leaked it is very unlikely that the bank will be able to charge you for fraudulent spending on the card. The important thing is to ... | [
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20178 | "How can it be fake news when we're looking at government generated economic data? Anyone can pull this data from the Internet to verify. I think ""fake news,"" is just an excuse for people to dismiss ideas they don't like. The press has always criticized presidents, this is nothing new. It's a shame that some peop... | [
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20180 | Find a good commercial bank in the us, or almost any bank in Canada, and exchange cash. Or use an ATM card in Canada; the surcharge is often minimal. (Check with your bank before traveling). You may or may not get a good exchange rate from your hotel desk; some view it as a courtesy, others as a service. You may be abl... | [
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20190 | "I think I mis-read your comment above. I agree, didn't mean to come off so snarky. I don't believe her role involves what I would consider making traditional ""business decisions"". However, I know from a few sources she is at the HQ regularly working on marketing and product / packaging designs." | [
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20193 | As somebody who has worked remotely for the last 5 years, first at 50%, then at 100%, I find this shift to be far superior to office work. My productivity is up, my focus is good, and the work/life balance is far better than if I was working in an office. I can put in a longer day than my colleagues, yet still be free ... | [
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20196 | Facebook has its fingers in many cookie jars and and can dip in many more because of the crazy amount of money they have/generate. They are practically unstoppable by now. I doubt we will see something new come along and kill it its too diverse for that. | [
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20209 | Don't like HFT? Use a stock exchange or dealer network that only allows manually entered trades. I hope readers are not convinced by this article to support the enactment of regulations that prevent people from using HFT. Maybe he's right and HFT is detrimental (which I doubt), but this is something that should be de... | [
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20210 | Nope. Or at least, if it were possible the company offering such a credit card would quickly go out of business. Credit card companies make money off of fees from the merchants the user is buying from and from the users themselves. If they charged no fees to the user on cash advances and, in fact, gave a 3% back on cas... | [
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20215 | The answer is no. Paypal will always ask for permission before adding or withdrawing money. | [
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20235 | The man is pure evil. And I really have to wonder what these people think is in it for them? I mean where is the advantage for you to run your country into the ground? Sure you will wind up king of the hill but your hill is just going to be a pile a rubble and your kingdom will be a wasteland of ruins. | [
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20240 | It's meaningful because we as a society have collectively decided that they are. It's all imaginary value, just like fiat money. That and in our capitalist society it is yet another product you are *forced to buy* or risk not having access to even a semblance of a decent life. It's a pretty good racket if I do say so ... | [
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20254 | Sure, its gross, but my meta-research indicates its safe, and its a more efficient way to use the whole cow. We praise native Indians for using every part of the buffalo - but we can't do the same in the modern era? Efficiency when it comes to beef production is probably a good thing, considering how greenhouse inten... | [
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20255 | #####	 ######	 ####	 Section 33. [**Reliability**](https://en.wikipedia.org/wiki/Myers-Briggs_Type_Indicator#Reliability) of article [**Myers-Briggs Type Indicator**](https://en.wikipedia.org/wiki/Myers-Briggs%20Type%20Indicator): [](#sfw) --- > >Some researchers have interpreted... | [
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20258 | "Thanks for the great response. The example with calculus is perfect! Group A is some students who will never ever get it, no matter how much you teach and train them. As you know, group B is some students who excel in calculus just by reading the book with no need for a professor to explain or teach them. They proba... | [
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20259 | Revisionist history much? The law that forced pension obligations was sponsored in the senate by Susan Collins, who by voting record is one of the most pragmatic and moderate senators. It also passed the senate with unanimous consent, being hailed as common sense reform by many of the people who now rail against it. | [
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20261 | "A ""balance transfer"" is paying one credit card with another. You probably get offers in the mail to do this all of the time. As other posters have noted, however, this usually comes with finance fees rather than the rewards that you get for normal purchases because it's written into your credit card agreement as a... | [
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20271 | Fox News could lose 100% of it's ad revenue and would still exist as a state-run propaganda arm. 17% of one month's ad revenue is 17% of a dust mote when compared to the power and lucre they stand to gain serving an autocrat who rules over the world's wealthiest country and the world's most powerful military. | [
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20283 | As an Indian resident you can open an Resident Foreign Currency Account, i.e. an USD account. This facility is provided by all major banks. I am not sure if PayPal would transfer money to these accounts or would convert. The alternative is to give this account number along with other Bank details to the company in US ... | [
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20294 | Some people may be prosperous that live in a city, but there are few prosperous cities. Most cities in the US are hand to mouth on funding, many large and mid-sized cities are in or going to be in trouble over worker pensions/retirement funding. The infrastructure in most cities is in poor repair. The nearest one to me... | [
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20304 | To be honest, all that they might be able to tell you is to keep saving. Your income seems like it will vary week to week thanks to commission (and I'm still very curious how at 18 you found a job making $96,000 a year at minimum). Right now because you have no savings, start stacking that up. You're going to want ... | [
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20310 | There is nothing wrong with private greed. Even if your sole purpose is to make money, you still have to provide the means of services or products that the public wants to buy. You are still providing people with things they want/need. And if you're a corrupt business, capitalism wouldn't allow you to fare well, or at ... | [
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20323 | If you invest in a 401(k), the shares in that plan are yours for as long as you live, or until you pull them out. So, if the employer is offering any sort of matching and those matched funds remain yours after you leave, then definitely contribute; that's an immediate return on your money. If the employer is NOT matchi... | [
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20328 | "You should definitely read through that contract front to back multiple times, making sure you understand every word. Voice your concern to the gym. Explain why you feel you're being cheated. Best case: they waive the fee. Worse case: you leave bad reviews all over social media, explaining the ""surprise fee"" pra... | [
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20335 | "The textbook answer would be ""assets-liabilities+present discounted value of all future profit"". A&L is usually simple (if a company has an extra $1m in cash, it's worth $1m more; if it has an extra $1m in debt, it's worth $1m less). If a company with ~0 assets and $50k in profit has a $1m valuation, then that impl... | [
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20341 | Ok, so let's just think about the IQ curve for a minute. We know that over 50% of the population has lower than average IQ. We know that toward the lower end of the curve, people are really dumb. Some of these on the very low end have federal assistance due to their handicap. It is not politically correct to call them ... | [
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20346 | Are you looking for movers Beverly Hills who can offer quality packing and moving services in the city or to other cities? Are you fed up of searching one which not only charges reasonably, but also offer tailor made solutions? We, at Flatrate movers’ la offer services at very flat rates. | [
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20353 | > Blockbuster should have done some sort of rental package where you could return their mailers to the the store and get a couple of in store rentals for 10 bucks a month or something This is pretty much exactly what they did | [
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20354 | "You ask a question, ""Is there any real purpose in purchasing bonds?"" and then appear to go off on a rant. Before the question is closed by members here, let me offer this: This chart reflects the 10 year bond rate. From 1960-2004 (give or take) the coupon rate was over 4%. Asset allocation suggests a mix of stocks ... | [
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20359 | According to the United Nations things that people need to live are classified as human rights. Food, water, basic communication etc, all listed as human rights. Those things you listed are (I believe) from the American constitution(?) and are protected 'rights' but they are not human rights. For more information you... | [
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20372 | "Alright, I will go through bullet point by bullet point and try to best figure out what you will be doing in layman's terms. Please bear in mind that I do not work for a hedge fund, but rather a much larger entity, so a lot of the work you will be doing is pre-populated: >Roles = In this role, the individual will ... | [
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20378 | The price is moving higher so by the time you enter your order and press buy, a new buyer has already come in at that time and taken out the lowest ask price. So you end up chasing the market as the prices keep moving higher. The solution: if you really want to be sure that you buy it and don't want to keep chasing the... | [
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20407 | I asked this question in this weeks question thread. But I'll ask it here too. If the buy side here is an etf and has an expense ratio of x, does the rebate offset the expense or is accounted some other way? Another way, Is the rebate profit for the fund manager or the fund? Does it get disclosed somehow? | [
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20409 | Two big things: In many ways, the early internet people were correct -- in 2011 we are much more productive as a society than we were in 1991. (Which comes with downsides, such as high unemployment) The bubble was a result of over-estimating those improvements and under-estimating the time required to yield those produ... | [
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20418 | Horrible plan. You are asking for a massive family feud over money. Don't mix extended family and money. You need to be able to make unemotional decisions about your finances and debt and you likely won't be able to make hard decisions that may be required if they would negatively impact your family. You don't want yo... | [
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20420 | Jurisdictions will vary but I can imagine calculation methods for child support where the raise could become significant in the present with long future ramifications as well, even if the job is temporary or the parent wanted to step away from working full-time to attend school. The timing of the raise might coincide w... | [
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20432 | "I would hold off on making that threat (closing your account). First, because as others have said, it's not likely to help. And second, assuming you're willing to make good on that threat, you should only play that card as a final absolute last resort, because if it fails, and you close your account, there is little t... | [
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20449 | "Yelp is a plague upon this earth, especially for small business owners. I'd say it's symbolic of a flawed, cancerous line of reasoning that is somehow making its way even into the health care system as well as other sectors of business. That is: survey feedback. Don't get me wrong; consumer/customer feedback is imp... | [
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20461 | You’ll find home owners calling the experts for this project as they want to sell the property. In this situation, hiring project management Sydney experts and getting renovation done gives a handsome boost to the property’s resale value and find most of the project management Sydney companies offering the service call... | [
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20480 | You can criticize this all day long but at least take into account state benefits for being a parent and the fact that more children is an opportunity for more support later in life. Some families seemingly don't have a choice and some are trying to take advantage of the system and play the victim card. It's not merely... | [
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20481 | Despite being passed 10 years ago, Dodd Frank is not fully implemented yet. I like to make that point when people tell me we can't get by without it. We're getting by without all of it right now at this moment as we speak. | [
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20485 | Deposits are contributions. You deposit say, $5000, and over time you have $6000. The $5000 can be withdrawn any time with no issue. It's tracked via form 8606. With this in mind, I wrote an article The Roth Emergency Fund, suggesting that since one can withdraw deposits with no issue, the Roth can be used to hold em... | [
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20504 | that's just it, though - they are splitting up the 1%! and in most cases, especially vanguard, they are splitting up far less. ETFs don't have 12b-1 fees. explaining why you're experiencing different returns for ETFs will almost certainly involve something other than their expense. again, this is especially true for v... | [
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20519 | If you are searching for the best Hair Transplant Centre In Kharghar then contact with Aarjav Skin Care clinic which offers the best services for Hair Transplant, Laser Hair Removal, Laser Hair Tattoo Removal. To know more about Clinic Visit: http://www.aarjavskin.in/ or contact at: 9619418586 | [
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20529 | I meant bitcoin. The issuer is the designer of the currency, which I have stated multiple times, has structural issues. The exchanges are the banks, which have been shown to be susceptible to hacking. Bitcoin is also a fiat currency, just like every other currency, just one with no faith or guarantees behind it and no ... | [
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20533 | Your response give me hope for you, attitude is one of the things you can change! It may sound strange, but to love others you need to love yourself first. Sometimes that means accepting who you are today and dedicating yourself to small changes that make life better! Start by finding good role models for caring peopl... | [
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20539 | "Note that it isn't always clear that ""turning it all into an annuity"" is the right answer. Annuities are essentially insurance policies -- you're paying them a share of your income to guarantee a specific payout. If you outlive the actuarial tables, that may be a win. If the market crashes, that may be a win. But I'... | [
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20543 | Ok thanks for this. I am curious, how would they know its facebook that is directing these increased sales. If it's TV or radio, you can tell by increased revenues from increased spots. But for a facebook ad or a google ad, unless this is the only form of marketing, how are you sure (unless again you can ask, did you h... | [
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20584 | >if they got paid for the household chores and family care they provide, it would add an additional $10 trillion to the global economy. This wouldn't add anything to the global economy; the value is already there. It would just artificially inflate gdp/gwp measures from them paying themselves instead of being a re... | [
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20593 | >*The seasonally-adjusted price index for meats, poultry, fish, and eggs also hit an all-time high in July, according to BLS.* >*In January 1967, when the BLS started tracking this measure, the index for meats, poultry, fish, and eggs was 38.1. As of last July, it was 236.147. By this January, it hit 240.006. By... | [
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20606 | I am currently a non-voluntary member of four different retirement plans in two different countries. There are a few aspects to this (Caveat: this may be different for each country and change over time) I would consider the following strategy | [
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20610 | Without knowing your credit situation or your full budget it's a little difficult, but i'd go with the snowball method for now: It may seem like not a big deal to have this kind of debt but you really should be looking at it as if your walking around with your hair on fire. It's a HUGE emergency. Debt, especially loom... | [
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20612 | "Most personal liability umbrella policy issuers will not sell you a policy unless you have the maximum possible coverage on the underlying policies. Underlying policies include You have to have each one of the above that applies to you and have all their liability line items completely maxed out before you qualify fo... | [
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20618 | Streaming ESPN does not have good revenue potential. I remember a report that they would need to charge $30+/month to replace the revenue cable subs provide. It might plug a hole, but ESPNs revenues are still the only thing that matters for Disney. | [
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20637 | "This article has a section titled ""Do you need an umbrella policy to cover your personal liability risks?"" that says: If you have young children, for example, you might need a policy because they have lots of friends. These little tikes might get into some mischief and hurt themselves at your home. If so, you’re... | [
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20651 | "So I see that you replied again despite ""I am done with you!"". Thanks. We will resolve this debate one day. > When you say something is ""maybe"" it is factual but when I say something is ""maybe"" it's fiction. I had assumed something else. You really try very hard to not understand simple things... and it see... | [
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20662 | "I hope I'm misunderstanding your plan... you want to invest in a way that will make SO MUCH that you pay back all of the loan payments with investment gains? Like the answer I gave on the preceding question, and like @littleadv's comment/mhoran's answers... don't do this. No good will come of it. This strategy requir... | [
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20670 | "•Have you had any problems with bills not being paid? NO •If you had issues, were they addressed satisfactorily? Answer: A big issue that blindsided me: With my bank, the funds come out of my account right away, but the actual payment is done through a third-party service. On my bank's online site it appears that the... | [
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20675 | If the company went bankrupt, the issued public shares that were outstanding at the time most likely were voided, in which case your shares are most definitely gone. The company might have done a new stock issuance coming out of bankruptcy with a different symbol, and while it could be substantially the same company, ... | [
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20683 | "Great question. There are two ways to increase the amount of money you have: It's difficult to decrease your expenses past a certain point, and your question is focused on the first aspect anyway. But it's worth noting that controlling spending is a significant part of accumulating wealth. You need to make more money,... | [
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20714 | Completely serious question, I've seen a lot of horror stories of people graduating with useless degrees and six digits of debt- I won't have debt, but I don't want to have a useless degree. Now, I'm not going to drop out or anything, but I want to know what my prospects are. | [
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20718 | Capitalism != The Stock Market. The market is just part of the economy. Paul Singer could try making money the old fashioned way - by building a widget factory and selling widgets, or offering some other compelling service that customers want. Plenty of capitalism to go around. | [
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20735 | Data is the future, the more data you obtain, the more accurate your predictions. The more accurate your predictions, the more data you can obtain. Data is the fuel to business strategies and they have plenty of data they are currently organizing. There is a reason why they hire more top tier MBA students than any othe... | [
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20740 | I'm wearing shorts I bought online. Levi's. Amazon offers free returns so I bought two sizes and picked what fit me best. I don't buy them all online but I do things like jeans from a specific brand where I know the sizing well. A lot of places offer free returns now. Otherwise I might take a gamble on a shirt fitting,... | [
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20751 | As generic as he was really what the hell else are you gonna say? I mean it'd help you stick out if you said something different but you could also come off as fake as shit if you do. We all know you're here for the money and that's why you work these stupid hours almost killing yourself. | [
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20772 | "It's like yelp has and has marketing value for some businesses. Business isn't one size fits all. If a customer asks ""What's your BBB rating"" then it has merit. You don't' want to insult the customer and have to educate them especially if they're older. That being said, being part of a Chamber or Rotary has valu... | [
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20776 | >when he's already admitted that he has all the money he'll ever need Sounds like he should sell or close the company. >and what he's doing now is fear mongering his own employees so that he doesn't have to pay slightly higher taxes See I can already shoot down your explanation, because it's not just higher ta... | [
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20778 | Flash Boys was kind of full of shit, though. And it was basically an ad for another guy trying to make it with his exchange. Canada is actually heating up from an algo/HFT perspective. Does that affect you at all? I'm seeing a lot more of this type of activity and the lack of dark pools creates for an interesting envi... | [
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-0... | |
20790 | "how do I decide which model to purchase so that I get maximum amount of utility considering how much money I would have to pay?"" You should have a fixed budget for buying a TV, based on a small portion of your available cash, and not spend more." | [
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... | |
20791 | There is no reason you must buy the bank's printed check. There are many places both physical stores and on line the offer check printing. From what I've seen, the requirement is the use of a magnetic ink the bank's equipment can properly scan. I may not even be correct there if they've all gone fully optical. The che... | [
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... |
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