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Review of Commission Black Ops from Michael Cheney

You can’t go anywhere online right now without hearing something about Michael Cheney’s “Commission Black Ops”.

The hype is phenomenal.

It seems everyone is keen to promote this thing and make a quick buck.

But what is it really like, is it actually any good and should you buy it?

That’s what you’re about to find out in this review.

Firstly, I have to say, I know there are people out there who don’t really “gel” with Cheney’s upfront style of marketing and writing sales letters. And I can understand that.

I personally love it.

And more importantly – you can clearly see everything he does in a certain way is done for a reason.

Heck – this isn’t some new kid on the block we’re talking about here – Michael Cheney has been mixing it up in the internet marketing space since the year 2000.

So anyhoo, what is Commission Black Ops actually like?

Well the first thing you notice when you get into the members area is just how professional laid out everything is. No getting lost or wondering where your downloads are – everything is easy to find.

You can dive right into the Commission Black Ops “Field Manual” and I’m gonna be straight with you here – it’s worth every penny.

Now sure – if you’ve been doing affiliate marketing for a long time then there may be around 1 – 2% of this info which you already know.

The content is pure gold and I took masses of notes and have already started implementing his strategy.

The way he breaks it down is really step by step so you can just copy it for yourself and start using the method in your own business.

This is what I really like.

It’s also cool when you see how much money he’s made with this strategy.

You know this stuff works.

And for the small fee he’s asking for this I’d recommend it to anyone doing affiliate marketing or anyone considering doing affiliate marketing.

As Michael Cheney says – he’s looking to train up his own legion of “affiliate special operatives” who can then smash it for him on his next product launches. It’s a smart strategy.

And as long as you go through the product and apply what you learn there’s no reason you can’t become a top-earning affiliate too.

So there you have it;

I give Commission Black Ops a big thumbs up, 9/10 rating (because nobody’s perfect) and recommend you grab it right now like I did and start making money with this thing;

Become An Online Marketer Business Gold Home Based Business Personal Finance

12 Reasons to Join Protection Through Gold

  1. I have been working the Karatbars business for over 4 years, and they have NEVER once missed a payment!
  2. We have a team of over 54,000 people worldwide
  3. One of our team leaders has made in excess of $700,000 in four years from Karatbars, and 2 of those 4 years he did not work the business at all, in fact, he took an entire year off marketing anything.
  4. We have a ready to go sales and marketing funnel, including auto responder, messages etc., which can all be set up within 10 minutes!
  5. We have the traffic sources to feed the sales funnel.
  6. We have the fastest growing team in Karatbars, and one of our team leaders was the fastest ever member to reach the highest pin in Karatbars. (That’s not bragging, we just have a good system!!)
  7. Gold is something that never goes out of fashion.
  8.  You don’t buy anything, we are simply swapping worthless paper money for Gold… a long-term asset!
  9. In the past 100 years, NOTHING has outperformed gold!
  10. Karatbars has been around for 9 years, has a squeaky-clean name in the industry and is a company you can be PROUD to be a part of!
  11. lots of functions all over the globe… I love functions and travel!
  1. We have a call center that closes all the sales for you SO YOU DON’T HAVE TO TALK TO A SINGLE PERSON!  Click here and fill out the call-back request form if you have any questions.

 What are you waiting for??

Come join us on the journey of a lifetime… GO HERE TO GET STARTED TODAY!

Affiliate Marketing Business Home Based Business Personal Finance

How to turn your iPhone into an ATM

Forget Flappy Bird, looking at pics and scrolling through Facebook.

What if you could turn your iPhone into a back pocket ATM?

Sound far-fetched?

It’s not.

It’s the truth and it’s a lot easier than you might think:

Click here to learn more and get your copy…

Oh and remember:-

You’re also getting these two eBooks from video marketing legend Joey Xoto as a free bonus from me:

“11 Must-Have Video Creation Apps for Your iPhone”

“How To Turn Your iPhone Into a Pro Video Camera”

(Both delivered to you automatically in JVZoo after you order)

WARNING: I’m pulling down this bonus today at midnight ET

Gold Home Based Business Personal Finance

Say Yes to Diversification of your Portfolio

Yes, your portfolio should include a mix of assets depending on your age, risk aversion, financial goals, need for cash flow, etc.

I belong to a group, a family really, of like minded people that believe a portion of your assets should include gold.  There are many ways to invest in gold.  You can buy stocks of gold mining companies, purchase exchange traded funds that buy and sell gold based financial instruments, among others.

Our group is called Protection Through Gold.  Why protection?  Well, if you look at a graph of the value of a dollar just since 1913 when the Federal Reserve was created, it’s shockingly evident that a dollar in 1913 doesn’t buy today what it could then.  Inflation.  It’s evil and it’s a hidden tax particularly on the working middle class.  In fact, one dollar in 1913 is worth about 5 cents today.  It’s just criminal.

So how do you protect yourself from inflation and a devalued dollar?  Precious metals.  I would venture a guess that after at least a decade, if not more, of lethargic economic growth, wage stagnation and fewer good paying jobs that many in the middle class are struggling just to stay even all the while having their purchasing power eaten away by inflation.  But there is an answer.  Protection Through Gold promotes the purchase of small amounts of gold on a regular basis.  These amounts vary in size from 1 gram to 5 grams.  The company we promote is called Karatbars.

This is a debt-free German company that produces credit card sized gold bullion which are easily (and hopefully safely) stored at home.  Or, if you wish, they’ll store them in an ultra-secure facility;  there’s one in Germany and another in Singapore.  Go to Karatbars and have a look around their website and other products they manufacture.  There are currently over a million people worldwide that are purchasing gold bullion through Karatbars either monthly or weekly and slowly accumulating wealth and more importantly protection just in case there should be any kind of financial Armageddon.  Because of the small sizes of gold bullion produced by Karatbars you and your family will be able to withstand any such circumstances.

Karatbars is a unique way to save money accumulate wealth and help others do the same.  The basic card comes in 1, 2.5 and 5 gram sizes.  Every Karatbars gold card is 999.9 finest quality gold sourced from LBMA accredited refineries.  They are imprinted with unique DNA counterfeit protection.  Each gold bar is inserted into the Karatbars frame which is standard credit card size and covered by a safety laminate.  The card is provided with a black light authenticity signature on the front.

Just to be clear, I’m not a licensed financial adviser but I believe in using common sense.  Please consult with your own financial adviser before investing in anything.

When presented with the facts of how the U.S. dollar has declined in value it only takes a little common sense to realize what course of action you should take regarding your financial assets.

Let’s say you could use some extra income in your household.  Who couldn’t?  Then you’ll want to take a look at their affiliate program–which is a home-based network marketing business.  Simply share the idea that purchasing gold is a smart move with friends, family and associates in your overall investment strategy.  However, if you just want to be a Karatbars customer that’s perfectly fine too.  It’s all up to you.

Remember, you’re not really “purchasing” gold.  You’re exchanging one asset for another.  You’re trading worthless dollars for gold.  Some of our members even mine Bitcoin and use a portion of the proceeds to purchase weekly gram of gold.  As of this writing around $65 for a gram.  The price varies everyday based on the underlying price of gold.  By the way, if you’re interested in mining Bitcoin, I can help you with that too!

Protection Through Gold is our sales and marketing platform.  For a small monthly fee you can market Karatbars on the internet complete with high converting opt-in pages and auto-responder email sequence.  There’s much more too, like an optional call center.  The call center will call your prospects who request more information and close the sales for you.  (additional charges apply but are very reasonable and will pay for themselves as you ramp up your home based gold business)

So, say YES to gold and take a look at Karatbars.  Here’s the link for Karatbars:  Click here for Karatbars information.

If you’d like to know more about our sales and marketing platform, Protection Through Gold:  Click here and watch the videos.

Become An Online Marketer Home Based Business Personal Finance

Does Bezos think we’re bozos?

Jeff Bezos is the gadzillionaire behind a little site called Amazon.

It’s neat.

But it’s affiliate program sucks.

You get like 1% or 5% commission which is, frankly, an insult to any affiliate marketer’s intelligence.

But you can get one over on Mr. Bezos and his Amazonian cronies by getting a bigger slice of the gadzillion dollar pie.

Here’s here how;

Click Here! (Enter the Coupon Code “discountoffer” to get 37% off the already low price)

P.S. When you grab this through my link you’re also getting the free “Azon Cash Generator” Report which gives you 12 tips and tricks for you to cash in on the worldís greatest ecommerce site (delivered to you in your JVZoo customer area after you order).

Bitcoin Business Home Based Business Personal Finance

Is China Really Banning Bitcoin Exchanges, Or is it Fake News?

Amid a swirl of speculation and assumptions, mainstream media outlets in the West are reporting that China will indeed be banning Bitcoin exchanges.

This comes after the Chinese government placed a blanket ban on ICOs earlier.

The reports in publications like the Wall Street Journal and others are quoting ‘anonymous’ sources that were not providing too much detail.

Anonymous sources

According to the Wall Street Journal, and their unverified and anonymous sources, the regulators were not even sending clear messages on the details of the ban – such as when it would occur.

Apparently, one regulator told an exchange that the decision had already been made, while another said that it could take a few months.

“Despite the foggy nature of these proclamations, the Bitcoin price has taken a second dip after recovering from the news of the ICO ban in China.”

Bloomberg also reports on the claims about exchange bans but says:

“The ban will only apply to trading of cryptocurrencies on exchanges, according to people familiar with the matter, who asked not to be named because the information is private.”

The apparent reason for the exchange ban?

Bitcoin has been a major disruptor in China and its socialist monetary policies.

As such, it is believed that the Chinese government has perceived the growing interest of the digital currency as a threat especially as Chinese investors have been seen to buy up Bitcoin and bet against the yuan.

The anonymous source cites “too much disorder” as the reason for the alleged shutdown, echoing the Chinese central bank’s words last week criticizing ICOs for disrupting the country’s financial order.

Highly skeptical

Many hardline beliefs in Bitcoin are rightly skeptical about the perceived ban from China as there has been no official word, and no one brave enough to put their name on the news.

CEO and founder of Chinese exchange BTCC has put up a twitter poll asking if people believe that the ban is real with over 80 percent of people saying no.

OKCoin responded to this news saying:

“‘Till now we haven’t been informed by any authorities about closing BTC exchanges, if that happens, we will show notifications on our website in no time. Even if that’s the case, we would be running offline trading for users, and your balance of coins in your account will be absolutely safe.”

Re-posted from by Darryn Pollock September 12, 2017

Anonymous sources.  It’s leading to all kinds of fake news in the political spectrum and now maybe in the Bitcoin investment world.  Bobby Lee’s poll seems to indicate that but of course it’s not a scientific poll.  As difficult as it is, try to sort the wheat from chaff.  Look to other reliable sources when making your investment decisions.  In the meantime, consider becoming involved in Bitcoin mining.  I have been using two mining platforms:  Genesis Mines and Galaxy Mines.  Both have been very reliable for the last two plus years I’ve been using them.  To get more information on Galaxy Mines, click here and watch the videos.  For Genesis  Mines click here and if you’re ready to start mining today be sure use the code listed in the tile ad to the right side of your screen.  Whatever you do, I wish you the best of luck.

Business Home Based Business Personal Finance

Bitcoin Owes Success to Three Different Waves of Innovators

Cryptocurrency is a complicated mixture of several different fields, which contributes to the difficulty people have in understanding it. Even the term is confusing and often leaves novices scratching their heads. However, the multidisciplinary nature of digital currency is also probably one of its greatest strengths.

Three different types of people are drawn to cryptocurrency: cryptographers/computer scientists, crypto-anarchists and finance professionals. Each of these types brings their own unique insights and perspectives.

The first wave: cryptographers and computer scientists

Bitcoin was invented and developed by the truly brilliant Satoshi Nakamoto. Although nobody knows Satoshi’s identity, we do know that the genius was exceptionally skilled in both cryptography and software development.

Cryptography is a rather eclectic field, the forte of mathematicians and codebreakers. Satoshi possessed a strong knowledge of cryptography, and when he combined it with his understanding of computer science, he discovered the solution to a vexing problem.

For years, some rather brilliant people had tried to devise a way to enable the transfer of value among a network of people who don’t trust one another. Such trustless transactions would have the potential to disintermediate the finance world completely.

Satoshi’s solution was the Blockchain, which serves as a perfect, trustless, distributed ledger of all transactions done on the currency network he created: Bitcoin.

Satoshi announced his development on the cryptography mailing list, an obscure forum frequented by some of the best cryptographers in the world. Hal Finney was one such person, and he worked with Satoshi very early in the Bitcoin’s history. In fact, the first Bitcoin transaction that ever took place was when Satoshi sent funds to Finney to verify that the software actually worked.

Over time, more and more cryptographers and computer science gurus became associated with Bitcoin, and sometime in 2012, Satoshi vanished. Others carried the torch and continued developing the protocol.

The computer scientists and cryptographers are the founders and maintainers of Bitcoin.

The second wave: crypto-anarchists

The second wave of digital currency enthusiasts were the crypto-anarchists. They saw Bitcoin as a way to liberate the world from the grip of oppressive governments and their fiat-based financial systems. This group tended to be politically motivated and unwilling to compromise on their basic principles.

Much of Bitcoin’s anti-establishment, decentralized culture comes from this group. Satoshi himself likely sympathized with their philosophy, based on posts he made to the mailing list and on BitcoinTalk.

Because of their nature, this group abhors all attempts to regulate digital currency. To them, cryptocurrency isn’t about becoming rich or achieving mainstream adoption. It’s a social and political movement.

The crypto-anarchists are the heart and soul of Bitcoin. They work hard to ensure the project remains decentralized and true to its founding principles.

The third wave: finance experts

Somewhere around the end of 2013, the digital currency sector caught the notice of finance professionals. This group is generally less politically motivated and more willing to compromise on issues such as regulation and taxation. They seek mainstream acceptance and adoption of cryptocurrency.

These finance specialists, many of whom have Wall Street credentials, have been highly successful in increasing the adoption of digital currency. With their help, Bitcoin has made significant inroads into the traditional financial system, and its value has boomed.

Some, like the Winklevoss twins, have sought to establish options for mainstream investors to participate. Though their proposed exchange-traded fund (ETF) application was denied earlier this year, they have appealed the ruling. Recent changes in key SEC personnel could aid their cause.

Likewise, Barry Silbert founded the Digital Currency Group which has full or partial ownership of a number of important Bitcoin-related companies. The Digital Currency Group owns Grayscale Investments, which sponsors the Bitcoin Investment Trust.

This trust is publically traded under the GBTC ticker, and its value is backed by sizeable Bitcoin holdings. GBTC is one of the only ways that US investors can expose their tax-advantaged retirement accounts to the price of Bitcoin.

Entire currencies, such as Dash, have been created when finance professionals discovered something that was missing in existing cryptocurrencies. Dash was founded by Evan Duffield, who himself holds a Series 65 license, and who realized that proper incentivization was missing from Bitcoin and other currencies.

Rather than relying on altruism to get people to run full nodes (as is the case with Bitcoin), Duffield thought these “masternode” owners should be paid for maintaining a copy of the full Blockchain (and performing other services for the network.)

While the number of Bitcoin nodes has been declining over the last several years, the number of Dash nodes has been rising.

A company called LedgerX will soon release a regulated market for the trading of Bitcoin futures, following the CFTC’s approval of their request this summer. This will allow traditional, mainstream investors to expose themselves to Bitcoin more readily, and will likely prove a crucial step in an ultimate ETF approval.

The finance group is responsible for much of the Bitcoin’s mainstream acceptance to date. They have brought in institutional money and are continuing to build on-ramps for traditional investors to gain Bitcoin exposure.


Bitcoin’s strength comes from the fact that so many disparate groups are interested in developing the project.

At first glance, it might appear that the programmers and cryptographers are solely responsible for Bitcoin’s success, but this isn’t so. Crypto-anarchists, financiers and others have all played meaningful roles.

Other talented individuals and groups will likely be attracted to digital currency in the future, and they likely have unforeseen roles to play as well.

Re-posted from by David Dinkin September 11, 2017

Looking at the various groups responsible for the development and continued support of Bitcoin makes me smile.  Why?  Because their motivations are strong and appear to be true.  A good omen for the long term success and viability of Bitcoin.  If you’d like to become involved in Bitcoin or mining same, click here and watch the videos.  There are many mining operations but only a few are transparent, safe and honest.  I believe I’m involved with two such mines:  Genesis Mining and Galaxy Mines.  Perform your due diligence and see if you don’t agree.  With Genesis Mining, and Galaxy too, you can just be a customer.  Or if you wish to invite friends, family or make it a network marketing opportunity that is also available with both companies but it’s not required– with Genesis Mining be sure and use the code listed above the tile ad to the right.  Email with any questions:

Home Based Business Personal Finance

Are You A 3 Percenter?

Let me explain what that is and why it is crucial to your

There are 2 groups of people in this life…

The 97%.


The 3%.

The 97 percenters are the ones who follow the masses and let someone
else decide their futures for them.

They are the ones who like to fit into nicely designed cubicles
and are the “worker drones” that so many in the world are today.

Now don’t get me wrong. The world needs worker bees just
like they need leaders, and that’s exactly how I describe the
97 percenters. They simply follow the system, the rules, and the
dictates of what society says is possible and let the status quo
rule the show.


The 3 percenters are polar opposite of that. In fact, the 3 percenters are
the ones who change the world (for the better) by creating new things,
whether that be software, hardware, technology, or systems.

The 3 percenters are the ones who boldly forge new paths for themselves
and for those who have the courage to follow them. The 3 percenters truly
are the ones who take the spoils in this life.

A friend of mine once told me that success is reserved for the 3% in this
life who have chosen to be:

– People of action.
– Decisive.
– Quick to make decisions yet slow to change once they do.
– Those who want to make a difference in this world.
– Those who choose to show up and play their best game… a bigger game.
– Those who care enough about those around them to step up and do what needs
to be done.

So let me ask you a question. Are you a 3 percenter or a 97 percenter?

Are you someone who watches from the sidelines as others work to create the
success so many others jealously desire but aren’t willing to do what
it takes to get the job done?

You are just one decision away from success.

You are just one decision away from an amazing future.

You are just one decision away from being the person you NEED to become
so you can HAVE the future, the income, and the LIFE that you have always

Make the decision today, and change your life forever.

Carve out twenty short minutes to listen to what my friend and mentor, Jeff Lerner,  has to say and submit an application so you can see EXACTLY how he went from being dead broke to being an Internet
millionaire – and how he is teaching his students to do the EXACT same thing.

They wanted a simple, common-sense, home-based Internet business
with high integrity and years of stability, that will put them back in total
control of  their finances, their freedom, and their life.

If you want this too, watch this and let’s get you  on a call with one of our team’s Top Business
Coaches ASAP.

Business Home Based Business Personal Finance

Bubble Expert’ Shiller Vs. Brian Kelly: Bitcoin Could ‘Burst’ Or ‘Take Off’

Nobel prize-winning economist Robert Shiller has told CNBC viewers Bitcoin might “burst” again but could also “take off again.”

Speaking in a televised debate with host Brian Kelly, the well-known bubble ‘specialist’ appeared to soften his previous comments that Bitcoin was the “best example of a bubble.”

“I don’t mean to demean the innovation and the technology… but it seems to me the enthusiasm for Bitcoin is a little bit out of proportion,” he commented.

“Maybe in the future, there will be some great application of (these) cryptocurrencies.”

Shiller is the latest high-profile traditional finance figure to come out in skepticism of Bitcoin’s growth as prices circle $5,000, up four times since the start of the year.

ICO regulatory turmoil in China produced only temporary backtracking, with prices dipping to $4,000 before rebounding over 50 percent within days.

Speaking to famously bullish Kelly, the Yale professor reiterated his theory that Bitcoin’s popularity was nonetheless due to its “story,” including the “mysterious” nature of its creator Satoshi Nakamoto.

“It’s the quality of the story that’s attracting all this interest,” he hypothesized.

Kelly retorted that as a source of return on investment, Bitcoin held too much promise to overlook, regardless of its future implementations.

“Worst case scenario, if all it ever becomes is digital gold and it can only capture five percent of gold’s market cap, then Bitcoin’s price will be $25,000,” he said to Shiller.

“So for me, on a risk-reward basis, I’ll take that risk-reward … all day long.”

Last month during a spate of volatility caused by Bitcoin Cash, Kelly told CNBC viewers to buy Bitcoin at what he predicted was a “floor” of $3,600.

Re-posted from by William Suberg September 7, 2017

A healthy debate is good both for the product and the consumer.  Always perform due diligence before investing in anything, particularly Bitcoin.  Weight the pros and cons then make your decision.  As for me, I continue to mine Bitcion on two different platforms.  I first started with Genesis Mines.  If you’re interested in getting started with them, it’s not a bad choice.  They have experienced very little problems except for recently when their payout mechanism suffered some kind of a crash.  The company was very transparent in keeping their customers informed which was appreciated.  I believe they are caught up with payments and the operation is functioning normally.  Be sure and use the code from the tile ad to the right of this post.

My second mining platform is Galaxy Mines.  It’s American based, full transparent and bills itself as the safest cryptocurrency mine int he world.  So far, I would have to agree.  There have been no major issues.  What I like about Galaxy Mines (formerly Dragon Mines) is you can change which altcoin you wish to mine with a click of the mouse and you can compound your hash rate.  Very nice.  Click here to get more information; watch the videos.  Any questions, let me know.  Email:  Good luck in all of your endeavors and thanks to Cointelegraph for keeping us informed!

Business Home Based Business Personal Finance

Can Cryptocurrency Debit Cards Increase Day-to-Day Usage of Digital Coins?

With less than a quarter of Americans using cash in their day-to-day purchases, it’s more evidence that society is becoming an increasingly cashless environment.

On the other hand, cryptocurrencies are growing in popularity. However, most users only hold crypto to save and invest.

So with digital coins like Bitcoin, Ether and Litecoin becoming increasingly popular, why aren’t we seeing more widespread adoption?


A majority of shoppers don’t see cryptocurrencies as a valid payment option, especially when it comes to physical purchases.  To many, it’s too foreign a concept.

We grow up being taught the value of money and how to manage it. We are confident in its deemed value by being able to easily turn it into a tangible piece of paper or coin. When we want to exchange it for a product or service, there are no questions asked.

To take that mindset and change it, to trust and fully adopt a completely digital coin, can take some time.

Another big hurdle is getting merchants to accept digital currencies. It doesn’t help if people are willing to use cryptocurrencies in everyday payments but retailers won’t, or can’t, accept it.

The road to widespread adoption is a two-way street: payment and acceptance.

Big brands like AmazonMicrosoft and Apple are helping the cause by accepting and facilitating Bitcoin payments, but this is mostly for online transactions.

For physical in-store payments, merchants need the right infrastructure. This can be costly and time-consuming to implement. Not many businesses will risk this for a payment method that’s not seen mainstream adoption yet.

Debit cards encourage widespread adoption?

Cryptocurrency debit cards could bridge the gap between users feeling comfortable enough to use digital coins in their everyday lives, and merchants being able to accept them with existing infrastructure.

Most of us are happy to use a card to shop, this would not necessarily change if the card was connected to a Bitcoin account. It’s the payment method, not the underlying currency, which makes us feel at ease.

Both Visa and MasterCard have filed patents for transaction systems that use Blockchain technology, and have been experimenting with these types of payments for some time now.

The fact that established payment companies are getting on board means that existing infrastructure can be used without requiring additional work on the merchant’s end. The customer can therefore pay in a chosen cryptocurrency, while the merchant still receives payment in a fiat currency like Euro.

Opponents will often cite volatility as the number one reason for not seeing widespread adoption. It is true, cryptocurrencies can fluctuate wildly, but this is no different than what is happening to the price of fiat currencies.

Just look at what has happened to one of the world’s strongest currencies, the pound, in the last year as a result of changes in the political environment. Cryptocurrencies like Bitcoin and Ether are still young. It’s only a matter of time for them to settle into the market and for prices to stabilize.

Users are comfortable using their debit cards through current payment channels, and merchants have the right infrastructure to accept such payments. If existing payment gateways can continue to develop and facilitate crypto transactions, we will see a much wider adoption of cryptocurrencies in day-to-day life.

There are currently more than 30 crypto debit cards available from different providers.

Re-posted from by Chrisjan Pauw September 6, 2017

It’s just a matter of time before Bitcoin debit and credit cards are mainstream.  I think most people like simplicity and ease of use.  This will come eventually.  While we wait, why not consider becoming a Bitcoin miner?  I use two mines:  Genesis Mines (click the tile ad and when you get started use the code provided).  It has over 500,000 members last I saw.  Payouts are reliable and the company remains transparent with any issues that come up.  The other mining platform is Galaxy Mines (formerly Dragon Mines), the world’s safest cryptocurrency mine.  You can either just be a miner or if you want to explore the possibilities of a network marketing opportunity that’s available as well but not required.  Click here and watch the videos.  Email me with any questions: