Listen to Johnson Brunetti's Money Wisdom with Joel Johnson, CFP®, host of Better Money Television program and Forbes Contributor. Gain true financial wisdom and advice aimed at educating you about all of your financial options when it comes to retirement so you can make the best decisions for you and your family. Get information and education that can bring you peace of mind with your savings and retirement. Whether it’s your 401(k) account, IRA, or an underperforming asset, Joel Johnson ca ...
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A podcast about the collapse of traditional corporate standards in today’s more personalized world. Leadership strategist, author, contributor to Forbes and founder of the Leadership in the Age of Personalization Movement, Glenn Llopis interviews executives across multiple sectors to find out how the balance between standardization and personalization can exist.
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This show interviews the “smart money” (large money managers & CEOs) for timeless investing advice. My goal is to provide you with timeless/actionable advice that you can use to make smarter investment decisions, and help you become intellectually wealthy. The Host: Adam Sarhan, Author, Investor, and Forbes Contributor, interviews real money managers with over $100 million in assets under management (AUM) and CEOs for timeless advice. Disclaimer: All our work is general in nature and for edu ...
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Since its debut in 1992, Money Matters was created to deliver objective and timely financial advice on WSB, Atlanta's legendary, award-winning news/talk radio station. Now, in addition to airing weekly on WSB, Money Matters is available as a podcast, tailor-made for both modern retirees and those still in the planning stages. Hosted since 2009 by Wes Moss — CERTIFIED FINANCIAL PLANNER™, best-selling author, Forbes contributor, and managing partner at Capital Investment Advisors in Atlanta — ...
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Peter Csathy's podcast explores the future of entertainment, media and tech and features the entrepreneurs, executives, and creators leading the way - all with a healthy mix of mind, body and soul. Diverse stories, from diverse voices via Peter's expert analyses and exclusive interviews. Peter is an internationally recognized media, entertainment and tech expert and Chairman of Creative Media, a leading legal services and business advisory firm (creativemedia.biz). He is the author of severa ...
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Conversations with Jim Zirin is a talk show designed to analyze national and world events. The series features high-profile guests from the worlds of politics, law, business, foreign relations, national security, counterterrorism, media, lifestyles, literature, the arts, and the military. The series is hosted by Jim Zirin, a leading litigator and contributor to major publications including Forbes, the Daily Beast, the Nation, The Times of London, The Washington Post, The Daily News, and the ...
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Reclaim your voice and use it to confidently advance your career, impact, and leadership potential with The Speak Your Mind Unapologetically Podcast stories and tips. The podcast serves leaders seeking to amplify their voice and master assertive communication to better advocate for themselves and for others. Embrace your unique voice and learn how to express your thoughts confidently, authentically, and without fear of coming across as aggressive or of backlash. The Speak Your Mind Unapologe ...
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Women from multiple generations share their "wow, you need to know this" stories that propelled their careers. Women you may never meet will become your mentors. Forbes contributor, author and entrepreneur Denise Restauri, invites you into her NYC apartment to tap into her conversations with successful women who are sharing vulnerable moments. From high points, to when good ideas go bad, to moments of sudden insight when you just know you have to risk it all. We have advice for all of them.
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What's Going On In Banking brings you the latest in Banking, Finance, and Fintech with insights and commentary from industry leaders, and breaking news as it happens. Host Ron Shevlin is the Chief Research Officer for Cornerstone Advisors, Forbes Contributor, and author of the "What's Going On In Banking" Annual Report.
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𝔹𝕌𝕊𝕀ℕ𝔼𝕊𝕊 𝔹𝕌𝕀𝕃𝔻𝔼ℝ ᴛʜᴇʀᴇ’ꜱ ᴀ ꜱʏꜱᴛᴇᴍ ꜰᴏʀ ᴛʜᴀᴛ: ᴡʜᴇʀᴇ ꜰᴜɴ ᴍᴇᴇᴛꜱ ʀᴇʟᴇɴᴛʟᴇꜱꜱ ɪɴᴛᴇɴᴛɪᴏɴᴀʟɪᴛʏ Learn how to find balance between productivity and enjoyment in the workplace. Joining as a Contributor to Newsweek, is multi-business owner, #BossBabe #Forbes #InmanNews Author, & #TomFerry Business Coach, Stephanie Arnett. While managing four companies is demanding, she loves the challenges, teamwork and growth. As a wife, mom & entrepreneur, she knows all about being the kid’s taxi, husband’s side-kick & ...
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What We Don't Know with Dr. Tracy: Cutting Through the Noise Are you tired of talking heads and sensationalized news that leaves you more confused than informed? Welcome to What We Don't Know with Dr. Tracy - your No Narrative, Commentator-Free, Pundit-Free Zone! Our Mission: We bring you unfiltered insights from genuine experts across various fields, delivering the knowledge that corporate news often overlooks. Each week, Dr. Tracy Pearson interviews extraordinary guests - from authors and ...
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Live in the future by getting your hands dirty in Artificial Intelligence, Machine Learning, and Blockchain. In this podcast, Sherman Lee, will explore deep tech and talk with industry pioneers on the latest advancements in disruptive technologies. Sherman is a contributor at Forbes, Huffington Post, and Business Insider. He has a decade of experience as an entrepreneur working in content strategy, AI, ML, and blockchain via RavenProtocol.com, Rocco.AI, and GoodAudience.com.
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Hosted by Dr. Elijah Clark (Air Force Veteran, Business Consultant, AI and Marketing Professor, and Forbes Contributor), this podcast dives into the dynamic world of business, marketing, AI and automation. Each episode offers a deep dive into how cutting-edge growth marketing and AI technologies are reshaping the landscape of modern business. Whether you're a business professional looking to stay ahead of the curve, or just curious about the future of business, this podcast is your gateway t ...
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The future of real estate is here, and it's our mission to make sure that YOU are at the center of it! On this podcast, Adrian Fisher speaks with agents who are leading the way in the real estate space. Tune in as they share their stories, and learn what it takes to be a successful agent in the digital age. We'll be talking social media marketing, Facebook ads, video technology, personal branding and more. Adrian Fisher is the Founder and CEO of PropertySimple, a lead generation and marketin ...
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Think politics is boring? You are missing the greatest sport in the world. Forget the stuffy TV talking heads and learn what's going on while having a few laughs. Whiskey Politics Podcast is hosted by Dave Sussman onTheIndependent.ioand theRange Broadcasting Networkwhere we interview luminaries, newsmakers and insiders from politics, culture, science, Hollywood and more. Whiskey Politics takes a civil tone and has fun while talking about serious issues. It's all about the long-form conversat ...
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Welcome to the Top to Bottom Podcast! We're the best thing to ever happen to sales... tune in to find out why :) Every Wednesday @ 11AM PST, Keenan & Becc discuss many different topics surrounding the B2B sales industry & how to stand out, provide value, and close deals in this ever-changing environment. Becc Holland is the CEO and Founder of Flip the Script, a free training organization that helps salespeople book more meetings, close more deals & drive more revenue to their organizations. ...
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Jennifer Perri, a.k.a. ” The Smart Money Gal”, is a Holistic Money Coach, Registered Financial Consultant (RFC) and Best-Selling Author with over 15 years of industry experience. Jennifer helps women transition from trauma to triumph and develop a healthy and empowered relationship with money. This will equip them will the confidence and tools necessary to make smart financial decisions for themselves and their families. She has been cited for her knowledge and has appeared on sources such a ...
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Shark Bite Biz, hosted by David Strausser, started as a show on how to navigate to your business during the Covid Pandemic and now focusing on "the 3 G's": personal growth, professional growth, and business growth. This show has hosted many CEO's, VP's, Managers, and Small Business Owners all giving their insight as a subject matter expert in their field. The show has had legendary music producer Jack Douglas, Soledad O'Brien, film director James Cullen Bressack, Recruiter.com and CNBC Contr ...
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Certified Professional Career Coach, personal branding professional and reinvention expert Dr. Garrison Leykam helps listeners live audaciously."You've had such a varied and impressive career. It's awesome to read about your adventures and reinventions and how you're now helping others do the same," branding expert Dorie Clark, contributor to the Harvard Business Review, Entrepreneur and Forbes and author of Entrepreneurial You, Reinventing You, and Stand Out (#1 Leadership Book by Inc. and ...
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Coined "the golden girl of wellness" by ELLE magazine, Candice Kumai, bestselling author, chef, wellness writer and former model shares with us her painfully-imperfect life lessons and experiences that have shaped her 15 year career in media, publishing, wellness, food, modeling and content creation. Arianna Huffington recently named Candice "Top 20 NEW role model"+ Kumai is proud to share with you how to transform your life, accept the beauty of imperfection and mend what feels broken --- w ...
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The Election is Over, Now What?
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All of the back and forth is finally over and the election results are in. Donald Trump will take office for a second term and it’s already having a big impact on the market. The news is all over everyone’s feeds and our clients are asking us what this means for them. We know the campaign trail is fraught with promises, empty or otherwise, on both …
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#117: Building Belonging and Retention - Strategies for Workplace Wellbeing and a Sustainable Future
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Did you know that 57% of employees globally aren't satisfied with their jobs, and 59% report feeling stressed most of the time? According to Indeed’s Global Work Wellbeing Survey with the University of Oxford, factors like belonging and inclusion are actually more influential to work wellbeing than compensation or flexibility. In our latest episode…
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How The Top 1% Protect Their Assets With Offshore Trusts - Attorney Blake Harris Shares How
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Asset Protection Attorney Blake Harris Shares How The Top 1% Protect Their Assets With Offshore TrustsWebsite: https://blakeharrislaw.com/Bio:Blake Harris is the founding principal at Blake Harris Law, where he assists clients throughout the world with Offshore Asset Protection. Having traveled to over 40 countries, Blake has built an extensive glo…
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Got a People Pleasing Boss? Here’s How to Handle It
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Ever felt the frustration of dealing with a passive, people-pleaser boss? Discover the challenges of working under a conflict-averse leader and learn actionable strategies to assertively manage the relationship and improve team outcomes. In today's episode, we delve into identifying passive bosses, understanding their impact on your work environmen…
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Election Indicators, Market Predictions, Stem Cell Research, and Staying Invested
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Co-host and Producer Jeff Lloyd joins Wes on today’s episode of Money Matters to deliberate election indicators, market predictions, advances in stem cell research, and the impact of daylight savings and inflation on everyday life. They assess predictive tools like S&P 500 performance, the Misery Index, and the rising popularity of betting markets.…
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Are Annuities a Good Source of Retirement Income?
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Building a solid income plan is a foundational piece of retirement planning and there are a variety of ways to create those income streams. One product that often comes up during meetings is the annuity because of its ability to produce guaranteed income to replace your paycheck, but is it a good choice for your portfolio? Jake Doser, CFP®, CPWA® a…
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#116: Mastering Protocol for Respect and Success with Pamela Eyring
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In a globalized world, navigating cultural differences can make or break business relationships. In this episode of the Personalization Outbreak Podcast, Pamela Eyring, President of the Protocol School of Washington, reveals how mastering international protocols and business etiquette can enhance trust and create opportunities. Pamela shares storie…
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$1 Trillion for GenAI: So Where Are the Content Dollars?
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In this episode, Peter Csathy's co-hosts discuss his article of the same title - including the key AI-related content licensing deals to date, and where things to be heading in the epic copyright infringement/"fair use" battles that increasingly fill the courts between major rights-holders and big tech. Peter generated this episode using Google Not…
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Halloween And Housing Economics, Election Outcomes, And The Harvest Business Review’s Article About Retirement
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Money Matters Co-host and Producer Jeff Lloyd joins Wes on today’s show. They jump into the economics of Halloween spending vs. holiday spending. They review the misery index and where it currently stands. They discuss the housing log jam, existing home sales, and how interest rates contribute to those outcomes. They dig into the unemployment rate …
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Never Give Up: How Persistence Leads to Achieving Your Dreams (with Katherine Tuluzova)
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What’s the difference between those who achieve a lot and those who don’t? In this episode we hear from Katherine Tuluzova, CEO of Sigma Software Group Americas, who shares her secrets to success and never giving up. She tackles the nuances of being respected versus being nice, and balances societal pressures with personal and professional growth. …
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My Open Letter Response to Perplexity: A Discussion
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Last week, host Peter Csathy wrote not once but twice about Perplexity in his "the brAIn" newsletter (here's article 2). And for good reason. He first posted an analysis based on The New York Times’ recent “cease and desist” demand to Perplexity. And then News Corp actually filed formal litigation against Perplexity for similar reasons. Perplexity …
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How Can You Earn Better Yield on Your Savings?
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In a world where financial stability is paramount, many individuals are seeking ways to make their savings work harder without compromising on safety and liquidity. That’s why we want to tackle today from someone trying to generate greater yield: how can I earn more interest on $120,000 sitting in a bank account while maintaining safety and liquidi…
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20 Powerful Questions to Confront Passive-Aggressive Behavior at Work
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How can you handle passive-aggressive coworkers and get them to speak up openly? Passive aggressive types are vague and avoid transparent conversations because they don’t like conflict. That’s why direct questions are your best weapon to stop walking on eggshells when passive-aggressive colleagues create toxic drama. Try these 20 direct questions t…
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This Sustainable Food CEO Wants To Help You Eat Better. John Keeler Founder/CEO Blue Star Foods $BSFC
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This Sustainable Food CEO Wants To Help You Eat Better. Meet John Keeler Founder & CEO Of Blue Star Foods, $BSFC Company: Blue Star Foods Ticker: $BSFC Website: https://bluestarfoods.com/ John’s Bio: John Keeler Founder & CEO Founded BSFC in 1995; successfully built sales over the past 26 years to $20+ million annually and is recognized as a leader…
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The Dow Goes High, New 401(k) Limits, And Closer Look At Private Equity
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Connor Miller, Chief Investment Officer for Capital Investment Advisors, joins Wes to review the week’s essential financial headlines. They analyze the Dow ending the session above 43,000 for the first time, how US Retail Sales seem to imply that the US Consumer is strong, the most recent bank earnings analysis, and new 401(k) limits. Finally, they…
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Who Will Be the Next President? | Doug Schoen
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The polls say it is too close to call, but Doug Schoen, our resident political analyst, never fears to step up to the plate. Doug reads the tea leaves, and comes up with the answer. He has been right in eight out of the last nine elections.
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Perplexity Showcases 3 Paths to Generative AI Copyright Infringement
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This episode gives a comprehensive overview of host Peter Csathy's deep dive article of the same name (link to article below). The discussion uses News Corp's new copyright infringement lawsuit and The New York Times' recent "cease and desist" demand against generative AI search tool Perplexity to discuss the concept of RAG processing - and why it …
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This Biotech CEO Has a Unique Approach To Fight Cancer. Cel-Sci Corp CEO - $CVM
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This Biotech CEO Has a Unique Approach To Fight Cancer. Cel-Sci Corp CEO - $CVM Guest: Geert Kersten CEO of CEL SCI Corp $CVM Ticker: $CVM Website: https://cel-sci.com/ Geert Kersten Biography Geert Kersten has served in his current leadership role as Chief Executive Officer at CEL-SCI Corporation (NYSE American: CVM) since 1995 and has been with C…
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Is Your Portfolio Ready for Retirement?
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Retirement is a significant milestone in life, and preparing for it requires careful planning and strategic financial management. Knowing when to dial back the risk in your portfolio can help protect your portfolio and keep you on track in retirement. In the latest episode of the Money Wisdom podcast, financial planners Jake Doser, CFP®, CPWA® and …
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This CEO Wants To Beat Blindness -Guest: Dr. Shankar Musunuri - Ocugen, Chairman, Chief Executive Officer, and Co-Founder Shares Timeless Advice - $OCGN
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Guest: Dr. Shankar Musunuri - Ocugen, Chairman, Chief Executive Officer, and Co-founder Website: www.ocugen.com Ticker: OCGN Bio: Dr. Shankar Musunuri is Chairman, CEO and Co-Founder of Ocugen. The company (NASDAQ: OCGN) is a publicly traded biotechnology company focused on discovery, development, commercialization of gene therapies, cell therapies…
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#115: Be the Unicorn - 12 Habits to Distinguish Yourself as a Leader in a Crowded World
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In today's fast-paced, noisy world, how do leaders truly stand out? In this episode of the Personalization Outbreak Podcast, we sit down with William Vanderbloemen, CEO of Vanderbloemen Search Group and author of Be the Unicorn, to explore the 12 data-driven habits that set the best leaders apart. William shares insights on why standing out in a wo…
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Conor McGregor Invested in this MMA Stock. Meet Nick Langton Founder & CEO Alta Global Ticker $MMA
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Conor McGregor Invested in this MMA Stock. Meet Nick Langton Founder & CEO Alta Global Ticker $MMA Conor McGregor Invested in this MMA Stock. Meet Nick Langton Founder & CEO Alta Global Ticker $MMA Guest: Nick Langton Founder & CEO Alta Global Ticker $MMA Website: trainalta.com ABOUT ALTA GLOBAL GROUP LIMITED Alta Global Group Limited is a technolo…
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This Bold CEO is Helping Power The Nuclear Industry - John Cash CEO and Chairman of the Board for Ur-Energy Inc. Ticker: $URG
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Guest: John Cash CEO and Chairman of the Board for Ur-Energy Inc. Ticker: URG Ticker: URG Website: https://www.ur-energy.com/ Bio: Mr. Cash was appointed Chairman of the Board of Directors and CEO of Ur-Energy Inc. in 2022. Mr. Cash joined Ur-Energy in 2007 and was appointed as Vice President Regulatory Affairs in 2011. He led the permitting and li…
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The CPI Report, Global Birth Rate Concerns, And Wes's Five Reasons For Being Bullish About The United States
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Wes is joined in the studio by Connor Miller, Chief Investment Officer for Capital Investment Advisors. They review the underperforming jobs report. They deliberate the cumulative effect of inflation and how that might usher in negative vibes despite encouraging CPI numbers. They explore the Wall Street Journal’s article about the global decline in…
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Bold and Kind: Turning Assertiveness into Kindness
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How can assertiveness contribute to increased kindness and compassionate interactions? By mastering assertiveness, you can foster personal growth, happiness, and strong relationships. This episode addresses common misconceptions about assertiveness and describes how it can be a powerful tool for kindness and effective communication. Learn how asser…
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What Should You Do with an Inherited IRA?
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The one constant in financial planning is change, especially when it comes to tax laws. The government is always adjusting tax laws and they’ve recently made some changes to the rules around retirement accounts. For people that have been saving for retirement, it’s important know how these changes will affect you and your family. In this episode of…
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Are Tech's Generative AI "Fair Use" Dominoes Starting to Fall?
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Excellent discussion of host Peter Csathy's deep dive article titled, "Are Tech's Generative AI 'Fair Use' Dominoes Starting to Fall?" Based on Csathy's article (simply dropped into NotebookLM), Csathy's AI co-hosts discuss: (1) the ongoing debate about whether AI training on copyrighted works (without consent/compensation) is "fair use"; (2) how d…
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#114: The Proximity Revolution: Adapting to Real-Time Value Creation with Rob Wolcott
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Discover how proximity is transforming the way businesses create value in real time! In this insightful episode, we sit down with Rob Wolcott, author of Proximity, to explore how digital technologies are moving us towards a future where products, services, and experiences are tailored to your exact needs—right when you need them. Rob shares fascina…
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Presidential Market Performance, Q3 Review, Fruit Loops Ban, And The Peak 65 Stat Of The Week
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Investment advisor and regular co-host Jeff Lloyd joins Wes on today’s episode of Money Matters. They delve into the week's latest news, including scary headlines and California banishing Froot Loops from school cafeterias. They dig into Q3 and explore housing challenges, such as inventory and mortgage rates. They inspect the “peak 65” stat of the …
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Forget Ozempic & Wegovy. The Biggest Opportunity In Weight Loss Today. Lose Weight, Not Muscle $VERU
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Forget Ozempic & Wegovy. The Biggest Opportunity In Weight Loss Today. Lose Weight, Not Muscle $VERU Guest: * CEO: Dr. Mitchell Steiner * Title: Founder, Chairman, CEO, and President * Website: www.verupharma.com * Ticker: NASDAQ: Veru * Bio: Mitchell S. Steiner, M.D., F.A.C.S. has served as President and Chief Executive Officer of Veru and as a di…
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Newsom's Hollywood/Silicon Valley GenAI Balancing Act: How California's 17 New GenAI Laws Impact Media & Entertainment
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In this episode, Peter Csathy hands over the podcast to his Google NotebookLM "synthetic" AI-generated co-hosts to discuss his latest article, "Newsom's Hollywood/Silicon Valley Balancing Act: California's 17 New GenAI Laws May Become the Nation's De Facto Standards." The discussion is both surprisingly smart and surprisingly engaging. Csathy liste…
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Unfair Treatment, Retaliation, Or Discrimination? Reporting Issues And Navigating Internal Investigations At Work (with Natalie Ivy)
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What should you do if you or your employee face bullying, retaliation, discrimination, or harassment at work? It’s important to understand how the internal investigation process works. In this episode you’ll discover exactly how to navigate these sensitive processes with expert advice from Natalie Ivey, former HR executive and CEO of RPC, an HR con…
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When is the Best Time to Take Social Security?
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Nearly everyone we talk to wants to know when is the ideal time to take Social Security, and that’s a natural question because they’ve been paying into it for a very long time. Clients not only want to start getting that money out but want to do it in the most efficient way so they can maximize their benefit. Making the decision about when to start…
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Dallas Cowboys Owner Jerry Jones Invested In GameSquare. The CEO Explains The Future Of Sports $GAME
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Dallas Cowboys Owner Jerry Jones Invested In GameSquare. The CEO Explains The Future Of Sports $GAME Guest: Justin Kenna CEO of GameSquare Holdings, Inc., (NASDAQ: GAME) Company: GameSquare Holdings Inc. ($GAME) Website: https://www.gamesquare.com/ CEO Bio: Justin Kenna is the CEO of GameSquare Holdings, Inc., (NASDAQ: GAME) (TSXV: GAME) an interna…
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#113: Unveiling Gen Z: The Disconnect in a Hyper-Connected World
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What makes Gen Z the most connected yet the loneliest generation? Join us as Andrew Roth, founder and CEO of DCDX, unpacks the paradox at the heart of Gen Z in this thought-provoking episode. Andrew reveals why Gen Z is the most visible and talked-about generation, yet still deeply misunderstood. We explore how social media creates a constant mirro…
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Mastering Self-Advocacy: A Childhood Lesson That Every Adult Can Learn From
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When was the first time you advocated for yourself? It may not be perfect, but it can certainly change your life. Tune in to this episode to discover: ✔️ Recall your early lessons in self-advocacy for personal growth. ✔️ Why sometimes it's even better to be aggressive than to say nothing at all. ✔️ The importance of finding a mentor that will encou…
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How Do We Fix Our Broken Politics? | Bob Bauer
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Political lawyer Bob Bauer, who prepared Biden for his debate with Trump, pleads for ethics in a political climate where incivility, lawfare, and outright misrepresentations have become the order of the day.
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In this part 3 of his Google NotebookLM podcast series, host Peter Csathy enables his "synthetic" AI-generated guest hosts to discuss "the great AI copyright debate: fair use, or not?" Csathy generated this episode by simply uploading the text of his recent article on the subject. The results are fascinating. The conversation smart. But very differ…
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In this Part 2 to host Peter Csathy's Google NotebookLM generated podcast series, NotebookLM's "synthetic" AI-generated co-hosts discuss themselves - i.e., what their AI-generated personas mean for creativity, art and society. The result is fascinating. So good - the convers-AI-tion, so smart. It's scary. Csathy generated the episode simply by past…
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Impact of the Fed Rate Cut: What History Says Happens With Stocks, Bonds, and Cash Investments After Rate Cuts
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In this episode of "Money Matters," hosts Wes Moss and Jeff Lloyd dive deep into the impact of the recent Federal Reserve rate cut on various asset classes, including stocks, bonds, and cash. Amid discussions on the returns in the bond market, Wes and Jeff also explore historical trends, showing how the S&P 500 often rises after Fed rate cuts, espe…
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Google just launched NotebookLM, an amazing new content generating AI wunder-app that, in Google’s words, is designed to be “your personalized AI research assistant.” NotebookLM can do many things, but its audio podcast generating feature is what really stands out. In this episode, rather than host Peter Csathy telling you about it, he let's the ap…
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What Current Economic Trends Should You Pay Attention To?
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Most of the content we focus on for the podcast is stuff that can benefit people anytime they listen, but this week we want to focus more on the present and the pressing financial topics that everyone is thinking about. To help you better understand what is worth paying attention over the next four to six months, Nicholas Colantuono, CFP® joined th…
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How This CEO Creates & Captures Value Sam Rubin President and CEO LightPath Technologies - Nasdaq $LPTH
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How This CEO Creates & Captures Value Sam Rubin President and CEO LightPath Technologies - $LPTH Ticker: $LPTH Website: https://www.lightpath.com/ Guest: Sam Rubin, President & Chief Executive Officer LightPath Technologies (NASDAQ: LPTH) Bio: In Mr. Rubin’s prior senior executive role at Thorlabs, he was responsible for Thorlabs’ Imaging Systems D…
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