Detailed Stock Quotes

The next night, alone in the tent, Laurent said: 'As we draw closer to the border, I think it would be safer--more private--to hold our discussions in your language rather than mine.' He said it in carefully pronounced Akielon. Damen stared at him, feeling as though the world had just been rearranged. 'What is it?' said Laurent. 'Nice accent,' said Damen, because despite everything, the corner of his mouth was beginning helplessly to curve up. [...] It was of course no surprise to find that Laurent had a well-stocked armoury of elegant phrases and bitchy remarks, but could not talk in detail about anything sensible.

Normally, when you challenge the conventional wisdom—that the current economic and political system is the only possible one—the first reaction you are likely to get is a demand for a detailed architectural blueprint of how an alternative system would work, down to the nature of its financial instruments, energy supplies, and policies of sewer maintenance. Next, you are likely to be asked for a detailed program of how this system will be brought into existence. Historically, this is ridiculous. When has social change ever happened according to someone’s blueprint? It’s not as if a small circle of visionaries in Renaissance Florence conceived of something they called “capitalism,” figured out the details of how the stock exchange and factories would someday work, and then put in place a program to bring their visions into reality. In fact, the idea is so absurd we might well ask ourselves how it ever occurred to us to imagine this is how change happens to begin.

Unknown Assassin, says the headline. Blanche skips over the details she already knows. How bizarre to see what she lived through last night turned into an item tucked between stock prices and Crazy Horse whupping the army at Little Bighorn.

We do not need to be rational and scientific when it comes to the details of our daily life—only in those that can harm us and threaten our survival. Modern life seems to invite us to do the exact opposite; become extremely realistic and intellectual when it comes to such matters as religion and personal behavior, yet as irrational as possible when it comes to matters ruled by randomness (say, portfolio or real estate investments). I have encountered colleagues, “rational,” no-nonsense people, who do not understand why I cherish the poetry of Baudelaire and Saint-John Perse or obscure (and often impenetrable) writers like Elias Canetti, J. L. Borges, or Walter Benjamin. Yet they get sucked into listening to the “analyses” of a television “guru,” or into buying the stock of a company they know absolutely nothing about, based on tips by neighbors who drive expensive cars.

Goals convert vision into energy. When you lay out exactly what you want to do in detail, you immediately start feeling the room move and the earth shake. You are pulled into your new life like some scene from a movie. Goals help make great men. J. C. Penney once said, “Give me a stock clerk with a goal, and I will give you a man who will make history. Give me a man without a goal and I will give you a stock clerk.

Do you know what happened to her already? Did you catch it in the papers? Are you local? Did you know her? Did you see it on the internet? Did some website the trawls local news for the worst details of true crimes bring her to your attention? Did you see the article about her, buried in the chum box of an already disreputable website? Did you see the red-headed stock image model juxtaposed against an edited charred corpse, captioned, "You won't believe what they did to her?" Did you listen to a podcast? Did the hosts make jokes? Do you have a dark sense of humour? Did that make it okay? Or were they sensitive about it? Did they coo in the right places? Did they give you a content warning? Did you skip ahead? Did you see pictures? Did you look for them?

The tools and resources used in this book are FREE and readily available on the internet. Details on how to access these tools are shown.

Excluded by my birth and tastes from the social order, I was not aware of its diversity. Nothing in the world was irrelevant: the stars on a general's sleeve, the stock-market quotations, the olive harvest, the style of the judiciary, the wheat exchange, flower-beds. Nothing. This order, fearful and feared, whose details were all inter-related, had a meaning: my exile.

Excluded by my birth and tastes from the social order, I was not aware of its diversity. Nothing in the world was irrelevant: the stars on a general's sleeve, the stock-market quotations, the olive harvest, the style of the judiciary, the wheat exchange, flower-beds. Nothing. This order, fearful and feared, whose details were all inter-related, had a meaning: my exile.

I have started to let sadnesses visit whenever they come, because I know that trying to keep them out will just cause them to find another, more aggressive way in. And when they visit, I try to sit with them, and understand the different nuances between these visitors, to take stock of them and note how each of them makes me feel. It helps me realize that they are not all the same—that sadness is not just one consistently gray, same-feeling blob—but that there are different kinds of sadnesses, some more common, some more rare. And when they visit, I have started to find some form of small excitement in the fact that these are the only chances I get to feel them and to observe their details firsthand.

Make for yourself a world you can believe in. It sounds simple, I know. But it’s not. Listen, there are a million worlds you could make for yourself. Everyone you know has a completely different one—the woman in 5G, that cab driver over there, you. Sure, there are overlaps, but only in the details. Some people make their worlds around what they think reality is like. They convince themselves that they had nothing to do with their worlds’ creations or continuations. Some make their worlds without knowing it. Their universes are just sesame seeds and three-day weekends and dial tones and skinned knees and physics and driftwood and emerald earrings and books dropped in bathtubs and holes in guitars and plastic and empathy and hardwood and heavy water and high black stockings and the history of the Vikings and brass and obsolescence and burnt hair and collapsed souffles and the impossibility of not falling in love in an art museum with the person standing next to you looking at the same painting and all the other things that just happen and are. But you want to make for yourself a world that is deliberately and meticulously personalized. A theater for your life, if I could put it like that. Don’t live an accident. Don’t call a knife a knife. Live a life that has never been lived before, in which everything you experience is yours and only yours. Make accidents on purpose. Call a knife a name by which only you will recognize it. Now I’m not a very smart man, but I’m not a dumb one, either. So listen: If you can manage what I’ve told you, as I was never able to, you will give your life meaning.

Somewhere among them—those green and untested boys—lay much of the stock from which he would have to select a crew capable of going all the way. The trick would be to find which few of them had the potential for raw power, the nearly superhuman stamina, the indomitable willpower, and the intellectual capacity necessary to master the details of technique. And which of them, coupled improbably with all those other qualities, had the most important one: the ability to disregard his own ambitions, to throw his ego over the gunwales, to leave it swirling in the wake of his shell, and to pull, not just for himself, not just for glory, but for the other boys in the boat.

An aunt, who though not a midwife was expert in that kind of work, helped bring forth the child, cleaning his face with butter and, to save money, powdering his thighs with some flour scraped from a crust of bread in lieu of talcum. "So you see, my boy, you come from humble stock," his Aunt Eudore would say, acquainting him of these petty details, and from an early age Jean didn't dare hope for any kind of good fortune in the future.

She replaced her wardrobe with marvels of the season bought from boutiques of the Palais-Royal and rue de la Chaussee-d'Antin. Outfits for a ball detailed in the fashion pages of the January 1839 edition of Paris Elegant describe dresses of pale pink crépe garnished with lace and velvet roses and accessorized with white gloves, silk stockings, and white cashmere or taffeta shawls. In the spring of that year, misty tulle bonnets came into fashion worn with capes of Alencon lace - “little masterpieces of lightness and freshness.“ Her bed was her stage, raised on a platform and curtained with sumptuous pink silk drapes. The adjoining cabinet de toilette was also a courtesan’s natural habitat, its dressing table a jumble of lace, bows, ribbons, embossed vases, crystal bottles of scents and lotions, brushes and combs of ivory and silver. She indulged her sweet tooth with cakes from Rollet the patissier, glaceed fruit from Boissier, and on one occasion sent for twelve biscuits, macaroons, and maraschino liqueur.

The customer is also at the center of how we analyze and manage performance metrics. Our emphasis is on what we call controllable input metrics, rather than output metrics. Controllable input metrics (e.g., reducing internal costs so you can affordably lower product prices, adding new items for sale on the website, or reducing standard delivery time) measure the set of activities that, if done well, will yield the desired results, or output metrics (such as monthly revenue and stock price). We detail these metrics as well as how to discover and track them in chapter six.

Another form of projection is the projection of one’s own problems on the children. First of all such projection takes place not infrequently in the wish for children. In such cases the wish for children is primarily determined by projecting one’s own problem of existence on that of the children. When a person feels that he has not been able to make sense of his own life, he tries to make sense of it in terms of the life of his children. But one is bound to fail within oneself and for the children. The former because the problem of existence can be solved by each one only for himself, and not by proxy; the latter because one lacks in the very qualities which one needs to guide the children in their own search for an answer. Children serve for projective purposes also when the question arises of dissolving an unhappy marriage. The stock argument of parents in such a situation is that they cannot separate in order not to deprive the children of the blessings of a unified home. Any detailed study would show, however, that the atmosphere of tension and unhappiness within the “unified family” is more harmful to the children than an open break would be-which teaches them at least that man is able to end an intolerable situation by a courageous decision.

I envy you your power of doing what you do. It is what I should revel in, myself. I don’t feel any vulgar gratitude to you. I almost feel as if you ought to be grateful to me, for giving you the opportunity of enjoying the luxury of generosity. I know you like it. For anything I can tell, I may have come into the world expressly for the purpose of increasing your stock of happiness. I may have been born to be a benefactor to you, by sometimes giving you an opportunity of assisting me in my little perplexities. Why should I regret my incapacity for details and worldly affairs, when it leads to such pleasant consequences? I don’t regret it therefore.

This is when I learned a valuable lesson: anyone trying to give you career advice is full of shit, especially if it’s a family member. People hear about you trying to do something they were never brave enough or lucky enough to try. You making a go of trying to make your dreams come true makes them feel bad. Maybe because they had the same dream. Maybe because they had a mean dad who made them become a stock analyst. Now they see those small decisions dictated the shape of their lives, and it makes them feel disappointed somehow. Whatever the details are, they’re projecting all their old shit on you. Step away from these people gingerly. Do not engage.

. . . waves of desert heat . . . I must’ve passed out, because when I woke up I was shivering and stars wheeled above a purple horizon. . . . Then the sun came up, casting long shadows. . . . I heard a vehicle coming. Something coming from far away, gradually growing louder. There was the sound of an engine, rocks under tires. . . . Finally it reached me, the door opened, and Dirk Bickle stepped out. . . . But anyway so Bickle said, “Miracles, Luke. Miracles were once the means to convince people to abandon reason for faith. But the miracles stopped during the rise of the neocortex and its industrial revolution. Tell me, if I could show you one miracle, would you come with me and join Mr. Kirkpatrick?” I passed out again, and came to. He was still crouching beside me. He stood up, walked over to the battered refrigerator, and opened the door. Vapor poured out and I saw it was stocked with food. Bickle hunted around a bit, found something wrapped in paper, and took a bottle of beer from the door. Then he closed the fridge, sat down on the old tire, and unwrapped what looked like a turkey sandwich. He said, “You could explain the fridge a few ways. One, there’s some hidden outlet, probably buried in the sand, that leads to a power source far away. I figure there’d have to be at least twenty miles of cable involved before it connected to the grid. That’s a lot of extension cord. Or, this fridge has some kind of secret battery system. If the empirical details didn’t bear this out, if you thoroughly studied the refrigerator and found neither a connection to a distant power source nor a battery, you might still argue that the fridge had some super-insulation capabilities and that the food inside had been able to stay cold since it was dragged out here. But say this explanation didn’t pan out either, and you observed the fridge staying the same temperature week after week while you opened and closed it. Then you’d start to wonder if it was powered by some technology beyond your comprehension. But pretty soon you’d notice something else about this refrigerator. The fact that it never runs out of food. Then you’d start to wonder if somehow it didn’t get restocked while you slept. But you’d realize that it replenished itself all the time, not just while you were sleeping. All this time, you’d keep eating from it. It would keep you alive out here in the middle of nowhere. And because of its mystery you’d begin to hate and fear it, and yet still it would feed you. Even though you couldn’t explain it, you’d still need it. And you’d assume that you simply didn’t understand the technology, rather than ascribe to it some kind of metaphysical power. You wouldn’t place your faith in the hands of some unknowable god. You’d place it in the technology itself. Finally, in frustration, you’d come to realize you’d exhausted your rationality and the only sensible thing to do would be to praise the mystery. You’d worship its bottles of Corona and jars of pickled beets. You’d make up prayers to the meats drawer and sing about its light bulb. And you’d start to accept the mystery as the one undeniable thing about it. That, or you’d grow so frustrated you’d push it off this cliff.” “Is Mr. Kirkpatrick real?” I asked. After a long gulp of beer, Bickle said, “That’s the neocortex talking again.

This here’s better’n a cold collard sandwich,” he said. “I wish the cornbread’d come out. Maybe shoulda put more soda in, less eggs.” Kya couldn’t believe she was talking on so, but couldn’t stop herself. “Ma made it so good, but I guess I didn’t pay enough mind to the details . . .” Then thought she shouldn’t be talking about Ma, so hushed up. Pa pushed his plate toward her. “’Nough for a dab more?” “Yessir, there’s aplenty.” “Oh, and tump some of that cornbread right in tha stew. Ah got a hankerin’ for soppin’ up the stock, and my bet is that bread’s just fine, mushy like spoonbread.” She smiled to herself as she filled his plate. Who would’ve thought they’d find cornbread as a footing.

You had a jumpship and you gave it away?” Nikki’s eyes widened in astonishment. “Do you have any more?” “Not at present. Oh, look, a General-class cruiser.” Miles reached for it. “My father commanded one of those, once, I believe. Do you have any Betan Survey ships . . . ?” Heads bent together, they laid out the little fleet on the floor. Nikki, Miles was pleased to find, was well-up on all the tech-specs of every ship he owned; he expanded wonderfully, his voice, formerly shy around Miles-the-weird-adult-stranger, growing louder and faster in his unselfconscious enthusiasm as he detailed his machinery. Miles’s stock rose as he was able to claim personal acquaintance with nearly a dozen of the originals for the models, and add a few interesting nonclassified jumpship anecdotes to Nikki’s already impressive fund of knowledge.

His ignorance was as remarkable as his knowledge. Of contemporary literature, philosophy and politics he appeared to know next to nothing. Upon my quoting Thomas Carlyle, he inquired in the naivest way who he might be and what he had done. My surprise reached a climax, however, when I found incidentally that he was ignorant of the Copernican Theory and of the composition of the Solar System. That any civilized human being in this nineteenth century should not be aware that the earth travelled round the sun appeared to be to me such an extraordinary fact that I could hardly realize it. “You appear to be astonished,” he said, smiling at my expression of surprise. “Now that I do know it I shall do my best to forget it.” “To forget it!” “You see,” he explained, “I consider that a man’s brain originally is like a little empty attic, and you have to stock it with such furniture as you choose. A fool takes in all the lumber of every sort that he comes across, so that the knowledge which might be useful to him gets crowded out, or at best is jumbled up with a lot of other things so that he has a difficulty in laying his hands upon it. Now the skilful workman is very careful indeed as to what he takes into his brain-attic. He will have nothing but the tools which may help him in doing his work, but of these he has a large assortment, and all in the most perfect order. It is a mistake to think that that little room has elastic walls and can distend to any extent. Depend upon it there comes a time when for every addition of knowledge you forget something that you knew before. It is of the highest importance, therefore, not to have useless facts elbowing out the useful ones.” “But the Solar System!” I protested. “What the deuce is it to me?” he interrupted impatiently; “you say that we go round the sun. If we went round the moon it would not make a pennyworth of difference to me or to my work.” I was on the point of asking him what that work might be, but something in his manner showed me that the question would be an unwelcome one. I pondered over our short conversation, however, and endeavoured to draw my deductions from it. He said that he would acquire no knowledge which did not bear upon his object. Therefore all the knowledge which he possessed was such as would be useful to him. I enumerated in my own mind all the various points upon which he had shown me that he was exceptionally well-informed. I even took a pencil and jotted them down. I could not help smiling at the document when I had completed it. It ran in this way— SHERLOCK HOLMES—his limits. 1. Knowledge of Literature.—Nil. 2. Philosophy.—Nil. 3. Astronomy.—Nil. 4. Politics.—Feeble. 5. Botany.—Variable. Well up in belladonna, opium, and poisons generally. Knows nothing of practical gardening. 6. Geology.—Practical, but limited. Tells at a glance different soils from each other. After walks has shown me splashes upon his trousers, and told me by their colour and consistence in what part of London he had received them. 7. Chemistry.—Profound. 8. Anatomy.—Accurate, but unsystematic. 9. Sensational Literature.—Immense. He appears to know every detail of every horror perpetrated in the century. 10. Plays the violin well. 11. Is an expert singlestick player, boxer, and swordsman. 12. Has a good practical knowledge of British law.

A greater and more ruinous mistake cannot be fallen into, than that the trades of agriculture and grazing can be conducted upon any other than the common principles of commerce; namely, that the producer should be permitted, and even expected, to look to all possible profit which, without fraud or violence, he can make; to turn plenty or scarcity to the best advantage he can; to keep back or to bring forward his commodities at his pleasure; to account to no one for his stock or for his gain. On any other terms he is the slave of the consumer; and that he should be so is of no benefit to the consumer. No slave was ever so beneficial to the master as a freeman that deals with him on an equal footing by convention, formed on the rules and principles of contending interests and compromised advantages. [Thoughts and Details on Scarcity]

Swift came to the table and bowed politely. “My lady,” he said to Lillian, “what a pleasure it is to see you again. May I offer my renewed congratulations on your marriage to Lord Westcliff, and…” He hesitated, for although Lillian was obviously pregnant, it would be impolite to refer to her condition. “…you are looking quite well,” he finished. “I’m the size of a barn,” Lillian said flatly, puncturing his attempt at diplomacy. Swift’s mouth firmed as if he was fighting to suppress a grin. “Not at all,” he said mildly, and glanced at Annabelle and Evie. They all waited for Lillian to make the introductions. Lillian complied grudgingly. “This is Mr. Swift,” she muttered, waving her hand in his direction. “Mrs. Simon Hunt and Lady St. Vincent.” Swift bent deftly over Annabelle’s hand. He would have done the same for Evie except she was holding the baby. Isabelle’s grunts and whimpers were escalating and would soon become a full-out wail unless something was done about it. “That is my daughter Isabelle,” Annabelle said apologetically. “She’s teething.” That should get rid of him quickly, Daisy thought. Men were terrified of crying babies. “Ah.” Swift reached into his coat and rummaged through a rattling collection of articles. What on earth did he have in there? She watched as he pulled out his pen-knife, a bit of fishing line and a clean white handkerchief. “Mr. Swift, what are you doing?” Evie asked with a quizzical smile. “Improvising something.” He spooned some crushed ice into the center of the handkerchief, gathered the fabric tightly around it, and tied it off with fishing line. After replacing the knife in his pocket, he reached for the baby without one trace of self-consciusness. Wide-eyed, Evie surrendered the infant. The four women watched in astonishment as Swift took Isabelle against his shoulder with practiced ease. He gave the baby the ice-filled handkerchief, which she proceeded to gnaw madly even as she continued to cry. Seeming oblivious to the fascinated stares of everyone in the room, Swift wandered to the window and murmured softly to the baby. It appeared he was telling her a story of some kind. After a minute or two the child quieted. When Swift returned to the table Isabelle was half-drowsing and sighing, her mouth clamped firmly on the makeshift ice pouch. “Oh, Mr. Swift,” Annabelle said gratefully, taking the baby back in her arms, “how clever of you! Thank you.” “What were you saying to her?” Lillian demanded. He glanced at her and replied blandly, “I thought I would distract her long enough for the ice to numb her gums. So I gave her a detailed explanation of the Buttonwood agreement of 1792.” Daisy spoke to him for the first time. “What was that?” Swift glanced at her then, his face smooth and polite, and for a second Daisy half-believed that she had dreamed the events of that morning. But her skin and nerves still retained the sensation of him, the hard imprint of his body. “The Buttonwood agreement led to the formation of the New York Stock and Exchange Board,” Swift said. “I thought I was quite informative, but it seemed Miss Isabelle lost interest when I started on the fee-structuring compromise.” “I see,” Daisy said. “You bored the poor baby to sleep.” “You should hear my account of the imbalance of market forces leading to the crash of ’37,” Swift said. “I’ve been told it’s better than laudanum.

By now Soros had melded Karl Popper’s ideas with his own knowledge of finance, arriving at a synthesis that he called “reflexivity.” As Popper’s writings suggested, the details of a listed company were too complex for the human mind to understand, so investors relied on guesses and shortcuts that approximated reality. But Soros was also conscious that those shortcuts had the power to change reality as well, since bullish guesses would drive a stock price up, allowing the company to raise capital cheaply and boosting its performance. Because of this feedback loop, certainty was doubly elusive: To begin with, people are incapable of perceiving reality clearly; but on top of that, reality itself is affected by these unclear perceptions, which themselves shift constantly. Soros had arrived at a conclusion that was at odds with the efficient-market view. Academic finance assumes, as a starting point, that rational investors can arrive at an objective valuation of a stock and that when all information is priced in, the market can be said to have attained an efficient equilibrium. To a disciple of Popper, this premise ignored the most elementary limits to cognition.

Flattery was a prime department store strategy for cultivating customers, and men got a heavy dose. Males could expect to be treated like busy executives and discriminating men of the world. Men’s sections, floors, and entire stores were designed to resemble opulent clubs, often outfitted with wood-paneled grills that women customers were not permitted to enter. Vandervoort’s and Filene’s went to somewhat unusual lengths in furnishing a men’s lounge and smoking room, oddly working against the prevailing assumption that men had no time to spare. In Halle’s new men’s store of the late 1920s, dark mahogany paneling and carved marble detailing created the ambience of a priestly inner sanctum. Filene’s furnished an indoor putting green in its men’s store of 1928. Wanamaker’s outdid itself in 1932, the unlucky Depression year it opened its luxurious six-story men’s store in the Lincoln-Liberty building, with stocks of British imports and an equestrian shop too. Both Wanamaker’s and Marshall Field sold airplanes. Lord & Taylor reserved its tenth floor in New York City for men, with heman departments for cutlery, the home bar, and barbecue equipment. Gimbels, Macy’s, and Hearn’s stuck to more basic appeals, using their large liquor departments to attract men.

To oversee all the details yourself in person; to be at once pilot and captain, and owner and underwriter; to buy and sell and keep the accounts; to read every letter received, and write or read every letter sent; to superintend the discharge of imports night and day; to be upon many parts of the coast almost at the same time—often the richest freight will be discharged upon a Jersey shore;—to be your own telegraph, unweariedly sweeping the horizon, speaking all passing vessels bound coastwise; to keep up a steady despatch of commodities, for the supply of such a distant and exorbitant market; to keep yourself informed of the state of the markets, prospects of war and peace everywhere, and anticipate the tendencies of trade and civilization—taking advantage of the results of all exploring expeditions, using new passages and all improvements in navigation;—charts to be studied, the position of reefs and new lights and buoys to be ascertained, and ever, and ever, the logarithmic tables to be corrected, for by the error of some calculator the vessel often splits upon a rock that should have reached a friendly pier—there is the untold fate of La Prouse;—universal science to be kept pace with, studying the lives of all great discoverers and navigators, great adventurers and merchants, from Hanno and the Phoenicians down to our day; in fine, account of stock to be taken from time to time, to know how you stand.

Decouplers often trip up on this step in two ways. First, they are overly generic in articulating the CVC. When mapping the process of buying a car, auto executives tend to describe it as: feel the need to buy car > become aware of a car brand > develop an interest in the brand > visit the dealer > purchase the car. This is a start, but it is not specific enough. Decouplers must ask: When do people actually need a new car? How exactly do people become aware of car brands? How do people become interested in a make or model? And so on. The generic process of awareness, interest, desire, and purchase isn’t specific enough to help. Decouplers also flounder by failing to identify all the relevant stages in the value chain. For the car-buying process, a better description of the CVC might be: become aware that your car lease will expire in one month > feel the need to purchase a new car > develop a heightened interest in car ads > visit car manufacturers’ websites > create a set of two or three brands of interest > visit third-party auto websites > compare options of cars in the same category > choose a model > shop online for the best price > visit the nearest dealer to see if they have the model in stock > see if they can beat the best online price > test-drive the cars > decide about financing, warranty, and other add-ons > negotiate a final price > sign the contract > pick up the car > use it > wait for the lease to expire again. With this far more detailed CVC, we can fully appreciate the complexity of the car-buying

Along the way to Seattle, he wrote his business plan. He identified several reasons why the book category was underserved and well suited to online commerce. He outlined how he could create a new and compelling experience for book-buying customers. To begin with, books were relatively lightweight and came in fairly uniform sizes, meaning they would be easy and inexpensive to warehouse, pack, and ship. Second, while more than 100 million books had been written and more than a million titles were in print in 1994, even a Barnes & Noble mega-bookstore could stock only tens of thousands of titles. An online bookstore, on the other hand, could offer not just the books that could fit in a brick-and-mortar store but any book in print. Third, there were two large book-distribution companies, Ingram and Baker & Taylor, that acted as intermediaries between publishers and retailers and maintained huge inventories in vast warehouses. They kept detailed electronic catalogs of books in print to make it easy for bookstores and libraries to order from them. Jeff realized that he could combine the infrastructure that Ingram and Baker & Taylor had created—warehouses full of books ready to be shipped, plus an electronic catalog of those books—with the growing infrastructure of the Web, making it possible for consumers to find and buy any book in print and get it shipped directly to their homes. Finally, the site could use technology to analyze the behavior of customers and create a unique, personalized experience for each one of them.

some small counting house on the coast, in some Salem harbor, will be fixture enough. You will export such articles as the country affords, purely native products, much ice and pine timber and a little granite, always in native bottoms. These will be good ventures. To oversee all the details yourself in person; to be at once pilot and captain, and owner and underwriter; to buy and sell and keep the accounts; to read every letter received, and write or read every letter sent; to superintend the discharge of imports night and day; to be upon many parts of the coast almost at the same time—often the richest freight will be discharged upon a Jersey shore;—to be your own telegraph, unweariedly sweeping the horizon, speaking all passing vessels bound coastwise; to keep up a steady despatch of commodities, for the supply of such a distant and exorbitant market; to keep yourself informed of the state of the markets, prospects of war and peace everywhere, and anticipate the tendencies of trade and civilization—taking advantage of the results of all exploring expeditions, using new passages and all improvements in navigation;—charts to be studied, the position of reefs and new lights and buoys to be ascertained, and ever, and ever, the logarithmic tables to be corrected, for by the error of some calculator the vessel often splits upon a rock that should have reached a friendly pier—there is the untold fate of La Prouse;—universal science to be kept pace with, studying the lives of all great discoverers and navigators, great adventurers and merchants, from Hanno and the Phoenicians down to our day; in fine, account of stock to be taken from time to time, to know how you stand. It is a labor to task the faculties of a man—such problems of profit and loss, of interest, of tare and tret, and gauging of all kinds in it, as demand a universal knowledge. I have thought that Walden Pond would be a good place for business, not solely on account of the railroad and the ice trade; it offers advantages which it may not be good policy to divulge; it is a good port and a good foundation. No Neva marshes to be filled; though you must everywhere build on piles of your own driving. It is said that a flood-tide, with a westerly wind, and ice in the Neva, would sweep St. Petersburg from the face of the earth. As this business was to be entered into without the usual capital, it may not be easy to conjecture where those means, that will still be indispensable to every such undertaking, were to be obtained.

What a joy this book is! I love recipe books, but it’s short-lived; I enjoy the pictures for several minutes, read a few pages, and then my eyes glaze over. They are basically books to be used in the kitchen for one recipe at a time. This book, however, is in a different class altogether and designed to be read in its entirety. It’s in its own sui generis category; it has recipes at the end of most of the twenty-one chapters, but it’s a book to be read from cover to cover, yet it could easily be read chapter by chapter, in any order, as they are all self-contained. Every bite-sized chapter is a flowing narrative from a well-stocked brain encompassing Balinese culture, geography and history, while not losing its main focus: food. As you would expect from a scholar with a PhD in history from Columbia University, the subject matter has been meticulously researched, not from books and articles and other people’s work, but from actually being on the ground and in the markets and in the kitchens of Balinese families, where the Balinese themselves learn their culinary skills, hands on, passed down orally, manually and practically from generation to generation. Vivienne Kruger has lived in Bali long enough to get it right. That’s no mean feat, as the subject has not been fully studied before. Yes, there are so-called Balinese recipe books, most, if I’m not mistaken, written by foreigners, and heavily adapted. The dishes have not, until now, been systematically placed in their proper cultural context, which is extremely important for the Balinese, nor has there been any examination of the numerous varieties of each type of recipe, nor have they been given their true Balinese names. This groundbreaking book is a pleasure to read, not just for its fascinating content, which I learnt a lot from, but for the exuberance, enthusiasm and originality of the language. There’s not a dull sentence in the book. You just can’t wait to read the next phrase. There are eye-opening and jaw-dropping passages for the general reader as Kruger describes delicacies from the village of Tengkudak in Tabanan district — grasshoppers, dragonflies, eels and live baby bees — and explains how they are caught and cooked. She does not shy away from controversial subjects, such as eating dog and turtle. Parts of it are not for the faint-hearted, but other parts make you want to go out and join the participants, such as the Nusa Lembongan fishermen, who sail their outriggers at 5.30 a.m. The author quotes Miguel Covarrubias, the great Mexican observer of the 1930s, who wrote “The Island of Bali.” It has inspired all writers since, including myself and my co-author, Ni Wayan Murni, in our book “Secrets of Bali, Fresh Light on the Morning of the World.” There is, however, no bibliography, which I found strange at first. I can only imagine it’s a reflection of how original the subject matter is; there simply are no other sources. Throughout the book Kruger mentions Balinese and Indonesian words and sometimes discusses their derivations. It’s a Herculean task. I was intrigued to read that “satay” comes from the Tamil word for flesh ( sathai ) and that South Indians brought satay to Southeast Asia before Indonesia developed its own tradition. The book is full of interesting tidbits like this. The book contains 47 recipes in all, 11 of which came from Murni’s own restaurant, Murni’s Warung, in Ubud. Mr Dolphin of Warung Dolphin in Lovina also contributed a number of recipes. Kruger adds an introduction to each recipe, with a detailed and usually very personal commentary. I think my favorite, though, is from a village priest (pemangku), I Made Arnila of the Ganesha (Siwa) Temple in Lovina. water. I am sure most will enjoy this book enormously; I certainly did.” Review published in The Jakarta Globe, April 17, 2014. Jonathan Copeland is an author and photographer based in Bali. thejakartaglobe/features/spiritual-journey-culinary-world-bali

Will you get fat?" the king blurted out at Luce,eyeing her corset-squeezed waist. "I like the way she looks now," he said to the duke. "But I don't want her to get fat." Had she been in her own body, Luce might have told the king exactly what she thought of his unappealing physique. But Lys had perfect composure, and Luce felt herself reply, "I should hope to always please the king,with my looks and with my temperament." "Yes,of course," the duke purred, walking a tight circle around Luce. "I'm sure His Majesty could keep the princess on the diet of his choice." "What about hunting?" the king asked. "Your Majesty," the duke began to say, "that isn't befitting a queen. You have plenty of other hunting companions. I,for one-" "My father is an excellent hunter," Luce said. Her brain was whirling, working toward something-anything-that might help her escape this scene. "Should I bed down with your father, then?" the king sneered. "Knowing Your Majesty likes guns," Luce said, straining to keep her tone polite, "I have brought you a gift-my father's most prized hunting rifle. He'd asked me to bring it to you this evening,but I wasn't sure when I'd have the pleasure of making your acquaintance." She had the king's full attention. He was perched on the edge of this throne. "What's it look like? Are there jewels in its butt?" "The...the stock is hand-carved from cherrywood," she said,feeding the king the details Bill called out from where he stood beside the king's chair. "The bore was milled by-by-" "Oh,what would sound impressive? By a Russian metalworker who has since gone to work for the czar." Bill leaned over the king's pastries and sniffed hungrily. "These look good.

Halo Effect Cisco, the Silicon Valley firm, was once a darling of the new economy. Business journalists gushed about its success in every discipline: its wonderful customer service, perfect strategy, skilful acquisitions, unique corporate culture and charismatic CEO. In March 2000, it was the most valuable company in the world. When Cisco’s stock plummeted 80% the following year, the journalists changed their tune. Suddenly the company’s competitive advantages were reframed as destructive shortcomings: poor customer service, a woolly strategy, clumsy acquisitions, a lame corporate culture and an insipid CEO. All this – and yet neither the strategy nor the CEO had changed. What had changed, in the wake of the dot-com crash, was demand for Cisco’s product – and that was through no fault of the firm. The halo effect occurs when a single aspect dazzles us and affects how we see the full picture. In the case of Cisco, its halo shone particularly bright. Journalists were astounded by its stock prices and assumed the entire business was just as brilliant – without making closer investigation. The halo effect always works the same way: we take a simple-to-obtain or remarkable fact or detail, such as a company’s financial situation, and extrapolate conclusions from there that are harder to nail down, such as the merit of its management or the feasibility of its strategy. We often ascribe success and superiority where little is due, such as when we favour products from a manufacturer simply because of its good reputation. Another example of the halo effect: we believe that CEOs who are successful in one industry will thrive in any sector – and furthermore that they are heroes in their private lives, too.

A gentleman shouldn't give personal items to a lady he's courting." He lowered his voice, mindful of being overheard by Poppy and the housekeeper, who were talking by the threshold of the Rutledge apartments. "But I can't take it back- no other woman could do it justice. And Marks, you have no idea of the self-restraint I exercised, I wanted to buy you a pair of embroidered stockings with little flowers running that run all the way up the insides of your-" "My lord," Catherine whispered, a light blush covering her face. "You forget yourself." "I haven't forgotten a thing, actually. Not one detail of your beautiful body. Soon I may start sketching you naked again. Every time I put a pencil to paper, the temptation nearly overwhelms me." She tried to look severe. "You promised not to do that again." "But my pencil has a will of its own," he said gravely.

p2 I'd seen a photo of the actual red and white checked notebook that was Anne [Frank]'s first diary. I longed to own a similar notebook. Stationery was pretty dire back in the late fifties and early sixties. There was no such thing as Paperchase. I walked round and round the stationery counter in Woolworths and spent most of my pocket money on notebooks, but they weren't strong on variety. You could have shiny red sixpenny notebooks, lined inside, with strange maths details about rods and poles and perches on the back. (I never found out what they were!) Then you could have shiny blue sixpenny notebooks. That was your lot. I was enchanted to read in Dodie Smith's novel I Capture The Castle that the heroine, Cassandra, was writing her diary in a similar sixpenny notebook. She eventually progressed to a shilling notebook. My Woolworths rarely stocked such expensive luxuries. Then, two thirds of the way through the book, Cassandra is given a two-guinea red leather manuscript book. I lusted after that fictional notebook for years. I told my mother, Biddy. She rolled her eyes. It could have cost two hundred guineas - both were way out of our league... My dad, Harry, was a civil servant. One of the few perks of his job was that he had an unlimited illegal supply of notepads watermarked SO - Stationery Office. I'd drawn on these pads for years, I'd scribbled stories, I'd written letters. They were serviceable but unexciting: thin cream paper unreliably bound with glue at the top. You couldn't write a journal with these notepads; it would fall apart in days... My spelling wasn't too hot. It still isn't. Thank goodness for the spellcheck on my computer!

revisions in this second edition of The Out-of-Sync Child reflect Dr. Miller’s work. Her wonderful book, Sensational Kids: Hope and Help for Children with Sensory Processing Disorder (Perigee, 2007), explains the terminology in detail.

What does this mean in practical terms? Let’s keep things simple, ignore private equity and commercial real estate, and focus just on the broad stock and bond market. You might buy three funds: an index fund offering exposure to the entire U.S. stock market, an index fund that will give you exposure to both developed foreign stock markets and emerging stock markets, and an index fund that owns the broad U.S. bond market. Suppose we were aiming to build a classic balanced portfolio, with 60 percent in stocks and 40 percent in bonds. Here are some possible investment mixes using index funds offered by major financial firms:     40 percent Fidelity Spartan Total Market Index Fund, 20 percent Fidelity Spartan Global ex U.S. Index Fund and 40 percent Fidelity Spartan U.S. Bond Index Fund. You can purchase these mutual funds directly from Fidelity Investments (Fidelity.com).     40 percent Vanguard Total Stock Market Index Fund, 20 percent Vanguard FTSE All-World ex-US Index Fund and 40 percent Vanguard Total Bond Market Index Fund. You can buy these mutual funds directly from Vanguard Group (Vanguard.com).     40 percent Vanguard Total Stock Market ETF, 20 percent Vanguard FTSE All-World ex-US ETF and 40 percent Vanguard Total Bond Market ETF. You can purchase these ETFs, or exchange-traded funds, through a discount or full-service brokerage firm. You can learn more about each of the funds at Vanguard.com.     40 percent iShares Core S&P Total U.S. Stock Market ETF, 20 percent iShares Core MSCI Total International Stock ETF and 40 percent iShares Core U.S. Aggregate Bond ETF. You can buy these ETFs through a brokerage account and find fund details at iShares.com.     40 percent SPDR Russell 3000 ETF, 20 percent SPDR MSCI ACWI ex-US ETF and 40 percent SPDR Barclays Aggregate Bond ETF. You can invest in these ETFs through a brokerage account and learn more at SPDRs.com.     40 percent Schwab Total Stock Market Index Fund, 20 percent Schwab International Index Fund and 40 percent Schwab Total Bond Market Fund. You can buy these mutual funds directly from Charles Schwab (Schwab.com). The good news: Schwab’s funds have a minimum initial investment of just $100. The bad news: Unlike the other foreign stock funds listed here, Schwab’s international index fund focuses solely on developed foreign markets. Those who want exposure to emerging markets might take a fifth of the money allocated to the international fund—equal to 4 percent of the entire portfolio—and invest it in an emerging markets stock index fund. One option: Schwab has an ETF that focuses on emerging markets.

It took two hours to read the report, which was more thorough than Devon would have ever expected--and it didn’t appear to be finished by half. Apparently West was visiting every tenant farm on the estate, making detailed notes about each family’s problems and concerns, the conditions of their property, their knowledge and views of farming techniques. Sensing a movement, Devon turned in his chair and saw Kathleen in the doorway. She was dressed in widow’s weeds again, her hair pinned in a braided coil, her wrists encircled with demure white cuffs. Her cheeks were very pink. Devon could have devoured her in one bite. Instead, he gave her a neutral glance as he rose to his feet. “Skirts,” he said in a tone of mild surprise, as if it were a novelty to see her in a dress. “Where are you going?” “To the library for a lesson with the girls. But I noticed that you were in here, and I wondered if you’d read Mr. Ravenel’s report.” “I have. I’m impressed by his dedication. Also rather astonished, since West advised me to sell the estate, lock, stock, and barrel, just before he left London.” Kathleen smiled and studied him with those tip-tilted eyes. He could see tiny rays in the light brown irises, like gold threads. “I’m very glad you didn’t,” she said softly. “I think perhaps he might be too.” All the heat from their earlier encounter came rushing back so fast that it hurt, his flesh rising with a swift ache beneath the layers of his clothes. Devon was profoundly grateful for the concealment of his suit coat.

Here’s something you may not know: every time you go to Facebook or ESPN.com or wherever, you’re unleashing a mad scramble of money, data, and pixels that involves undersea fiber-optic cables, the world’s best database technologies, and everything that is known about you by greedy strangers. Every. Single. Time. The magic of how this happens is called “real-time bidding” (RTB) exchanges, and we’ll get into the technical details before long. For now, imagine that every time you go to CNN.com, it’s as though a new sell order for one share in your brain is transmitted to a stock exchange. Picture it: individual quanta of human attention sold, bit by bit, like so many million shares of General Motors stock, billions of times a day. Remember Spear, Leeds & Kellogg, Goldman Sachs’s old-school brokerage acquisition, and its disappearing (or disappeared) traders? The company went from hundreds of traders and two programmers to twenty programmers and two traders in a few years. That same process was just starting in the media world circa 2009, and is right now, in 2016, kicking into high gear. As part of that shift, one of the final paroxysms of wasted effort at Adchemy was taking place precisely in the RTB space. An engineer named Matthew McEachen, one of Adchemy’s best, and I built an RTB bidding engine that talked to Google’s huge ad exchange, the figurative New York Stock Exchange of media, and submitted bids and ads at speeds of upwards of one hundred thousand requests per second. We had been ordered to do so only to feed some bullshit line Murthy was laying on potential partners that we were a real-time ads-buying company. Like so much at Adchemy, that technology would be a throwaway, but the knowledge I gained there, from poring over Google’s RTB technical documentation and passing Google’s merciless integration tests with our code, would set me light-years ahead of the clueless product team at Facebook years later.

Though this is my first trip to the United Kingdom, I am a proud Anglophile. I admire the practical temperament of the people. I love the artful details of daily life: a hand-stitched tea cozy in the shape of a Victorian mansion, the Wellie boots, the sheep's wool stockings, and the best tailors in the world.

It is intrinsically impossible for the pope, as pope, to speak with authority on the details of climate science. Nor is he better suited than you or I to evaluate the so-called “consensus” of actual scientists. He might as well be picking stocks or rewriting the scores of Broadway musicals, for which he has equal divine authority: none. He

Hamilton sketched out this phantom force in microscopic detail, producing comprehensive charts for regiments, battalions, and companies. In a typical passage, Hamilton was to write, “A company is subdivided equally into two platoons, a platoon into two sections and a section into two squads, a squad consisting of four files of three or six files of two.”89 He assigned ranks to officers, set up recruiting stations, stocked arsenals with ammunition, and drew up numerous regulations.

map out all the activities in that group’s typical customer value chain. Decouplers often trip up on this step in two ways. First, they are overly generic in articulating the CVC. When mapping the process of buying a car, auto executives tend to describe it as: feel the need to buy car > become aware of a car brand > develop an interest in the brand > visit the dealer > purchase the car. This is a start, but it is not specific enough. Decouplers must ask: When do people actually need a new car? How exactly do people become aware of car brands? How do people become interested in a make or model? And so on. The generic process of awareness, interest, desire, and purchase isn’t specific enough to help. Decouplers also flounder by failing to identify all the relevant stages in the value chain. For the car-buying process, a better description of the CVC might be: become aware that your car lease will expire in one month > feel the need to purchase a new car > develop a heightened interest in car ads > visit car manufacturers’ websites > create a set of two or three brands of interest > visit third-party auto websites > compare options of cars in the same category > choose a model > shop online for the best price > visit the nearest dealer to see if they have the model in stock > see if they can beat the best online price > test-drive the cars > decide about financing, warranty, and other add-ons > negotiate a final price > sign the contract > pick up the car > use it > wait for the lease to expire again. With this far more detailed CVC, we can fully appreciate the complexity of the car-buying

Here are a few different types of emails you can send: Common FAQs – An email that answers repeat questions you get from readers and subscribers Affiliate case study – An email that details the results from taking a course or using a tool that you’re an affiliate for Teaser to an existing post – An email that links to pillar or cornerstone pieces on your blog Tools and resources – An email that shares your favorite tool collection The Start Here – An email that links to your most important resources Break the myths – An email that lays out myths that your subscribers may think are true Behind the scenes – An email that gives an insiders’ peek into what’s going on with your business Personal story – An email that gives an insiders’ peek into your struggles or backstory One-click survey – An email that asks a simple question to segment subscribers or allows them to choose their own email journey Survey or How can I help you? – An email asking for responses or providing an offer to help Postpurchase welcome email – An email sent immediately after purchase to buyers of your offer Unexpected incentive email – A simple cheat sheet, guide, or PDF that subscribers were not expecting Favorite thing – A collection of your favorite books/blogs/stock photo sites, etc. I have used every one of these emails in my email marketing mix. Doing so breaks up the monotony of sending the same style of email each week, and each of these emails feeds your marketing goals differently as well.

The prevailing narrative about Silicon Valley’s culture lionizes company founders, and Tom Wolfe’s exquisite storytelling has played up Noyce’s roots in small-town Iowa as the genesis of the egalitarian, stock-for-everyone business culture of the West Coast.[66] But, as we have seen, it was Arthur Rock who provided the impetus for Fairchild’s creation and who opened the founders’ eyes to the possibility of owning the fruits of their research. It was Rock who demonstrated the potential of the limited partnership that developed the Valley’s equity culture, and Rock who helped to catalyze the failure of the corporate venture model at Fairchild by prying away Jean Hoerni and Jay Last. When it came to the creation of Intel’s employee stock plan, moreover, it was probably Rock who proposed access for everyone, and it was certainly Rock who devised the plan’s details.[67] In a letter laying out his thinking in August 1968, Rock described a way of balancing the interests of investors and workers: Intel should avoid equity grants to short-term employees but extend them to everyone who made a long-term commitment. “There are too many millionaires who did nothing for their company except leave after a short period,” he observed wisely.[68] Without Rock’s judicious counsel, Intel’s employee stock program would not have set the standard in the Valley, because it would not have been sustainable.

So straight away I want to be absolutely clear about what I’m not saying, before I go on to explain and justify these points in more detail in the next chapter. (I can anticipate a lot of these misunderstandings because they’re frequently fired at me by critics, as assumptions about what I must really be saying.) I’m not saying that to physically alter oneself to look like the opposite sex, or unlike one’s own sex, or both, isn’t ever a reasonable thing for adults to do in response to developing a misaligned gender identity. I think it can be, and have explained why in Chapter 4. More generally, I’m not saying there’s anything wrong with looking or being radically sex nonconforming, either naturally or artificially. Quite the opposite. Personally speaking, I value and celebrate sex nonconformity: masculine women, feminine men and androgyny. Indeed, it’s partly in the service of this evaluation that I’ve made the arguments I have. I’m not underplaying the psychological relief it gives many trans people to think of themselves as members of the opposite sex. Nor, perhaps surprisingly, am I saying that trans women and trans men, respectively, shouldn’t ever call themselves ‘women’ and ‘men’ or be referred to that way by those around them. I’ll explain why in the next chapter. I’m not saying trans people are ‘deceivers’, nor that they are ‘delusional’ or ‘duped’ – far from it. I’ll explain why in the next chapter, so there can be no doubt.

Prannoy Roy was appointing sons, daughters, in-laws, nephews and nieces of top officials and politicians in NDTV as journalists.  This show of nepotism in journalism changed the style of journalism as access to corridors of power became easy for media houses. Not only bureaucrats, several kith and kin and siblings of top police and military officials too became journalists in NDTV, as and when the organization needed largesse from the system.  This unholy recruitment of journalists completely changed the character of India’s journalism. In those days the joke in Delhi was that all siblings of the powerful, not-so-good-in-academics can become journalists through NDTV. Still, when you look at the family details of many journalists in NDTV, you can see their links with IAS, IPS, IRS, Military top brass uncles, fathers, and in- laws.

Srivastava wrote in detail how some corrupt officers in the Income Tax Department hushed up the unpaid dues of NDTV and this started a most vicious and horrible persecution of an honest officer by the mischievous P Chidambaram. Srivastava alleged that Chidambaram hired the corrupt, shameless and immoral IRS officers [Shumana Sen, Ashima Neb, B K Jha, at all] and made them foist fake sexual harassment, sexual assault, molestation and repeated rape charges against S K Srivastava so that P Chidambaram could ease him out of service and thus save NDTV and Prannoy Roy.

The few people who know the details of our finances ask, “What are you saving for? A house? A boat? A new car?” No, none of those. I’m saving for a world where curveballs are more common than we expect. Not being forced to sell stocks to cover an expense also means we’re increasing the odds of letting the stocks we own compound for the longest period of time. Charlie Munger put it well: “The first rule of compounding is to never interrupt it unnecessarily.

Few people seemed to care that the information was incomplete. Indeed, International Match’s cursory financial statements were typical of corporate disclosure at the time. Even companies with securities listed on the New York Stock Exchange gave up scant detail. Fewer than one-third of Stock Exchange companies published quarterly reports, and those reports were brief. Another third of Stock Exchange companies didn’t publish any reports at all. There was even less disclosure from companies, such as International Match, with shares traded on the Curb Exchange.21 Anyone who wanted to invest in those companies did so in the dark, or not at all.

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Bizarre and Surprising Insights—Consumer Behavior Insight Organization Suggested Explanation7 Guys literally drool over sports cars. Male college student subjects produce measurably more saliva when presented with images of sports cars or money. Northwestern University Kellogg School of Management Consumer impulses are physiological cousins of hunger. If you buy diapers, you are more likely to also buy beer. A pharmacy chain found this across 90 days of evening shopping across dozens of outlets (urban myth to some, but based on reported results). Osco Drug Daddy needs a beer. Dolls and candy bars. Sixty percent of customers who buy a Barbie doll buy one of three types of candy bars. Walmart Kids come along for errands. Pop-Tarts before a hurricane. Prehurricane, Strawberry Pop-Tart sales increased about sevenfold. Walmart In preparation before an act of nature, people stock up on comfort or nonperishable foods. Staplers reveal hires. The purchase of a stapler often accompanies the purchase of paper, waste baskets, scissors, paper clips, folders, and so on. A large retailer Stapler purchases are often a part of a complete office kit for a new employee. Higher crime, more Uber rides. In San Francisco, the areas with the most prostitution, alcohol, theft, and burglary are most positively correlated with Uber trips. Uber “We hypothesized that crime should be a proxy for nonresidential population.…Uber riders are not causing more crime. Right, guys?” Mac users book more expensive hotels. Orbitz users on an Apple Mac spend up to 30 percent more than Windows users when booking a hotel reservation. Orbitz applies this insight, altering displayed options according to your operating system. Orbitz Macs are often more expensive than Windows computers, so Mac users may on average have greater financial resources. Your inclination to buy varies by time of day. For retail websites, the peak is 8:00 PM; for dating, late at night; for finance, around 1:00 PM; for travel, just after 10:00 AM. This is not the amount of website traffic, but the propensity to buy of those who are already on the website. Survey of websites The impetus to complete certain kinds of transactions is higher during certain times of day. Your e-mail address reveals your level of commitment. Customers who register for a free account with an Earthlink.com e-mail address are almost five times more likely to convert to a paid, premium-level membership than those with a Hotmail.com e-mail address. An online dating website Disclosing permanent or primary e-mail accounts reveals a longer-term intention. Banner ads affect you more than you think. Although you may feel you've learned to ignore them, people who see a merchant's banner ad are 61 percent more likely to subsequently perform a related search, and this drives a 249 percent increase in clicks on the merchant's paid textual ads in the search results. Yahoo! Advertising exerts a subconscious effect. Companies win by not prompting customers to think. Contacting actively engaged customers can backfire—direct mailing financial service customers who have already opened several accounts decreases the chances they will open more accounts (more details in Chapter 7).

Predictably Irrational, by Dan Ariely, talks about the psychology behind many of our poor investment decisions in a manner that is friendly for the layperson. Stocks for the Long Run by Jeremy Siegel and Triumph of the Optimists by Elroy Dimson both discuss historical stock market returns in detail.

Public companies, which sell stock on the open market, must file a series of reports with the Securities and Exchange Commission (SEC) each year if they have at least 500 investors or at least $10 million in assets. Smaller companies that have incorporated and sold stock must report to the state in which they incorporated, but they aren't required to file with the SEC. You can find more details about the SEC's reporting requirements for public companies in Chapters 3 and 19.

north toward Yorkville. Alana tore her gaze from the window, by some instinct sure Trevor had been watching her. But when she looked at him, his head was buried in the evening copy of the Chronicle as he analyzed the stock-market section. The front page, emblazoned with the details of their wedding,

Revelation Chapter 18 details the many goods which are sold through the Daughter of Babylon’s ports. The lengthy list appears in Revelation 18:11-13. Take any one of those goods listed by John two thousand years ago and ask this question: is any other nation the center for world trade in those commodities, except for the United States? Where else does one find exchanges as important as the New York Stock Exchange, the American Stock Exchange, the New York Mercantile Exchange, the New York Cotton Exchange, the Chicago Board of Trade, the Chicago Mercantile Exchange and numerous other exchanges for currency, coffee, sugar, tea, cocoa, soybeans, oats, wheat, cattle, hogs, lumber, diamonds, iron, ivory, marble, spices, cosmetics, steel, tin, zinc, rubber, etc. Those exchanges, through which the world’s commerce is passed daily, are all located in one country. They’re not in Iraq, nor in Rome.

The old order types were simple and straightforward and mainly sensible. The new order types that accompanied the explosion of high-frequency trading were nothing like them, either in detail or spirit. When, in the summer of 2012, the Puzzle Masters gathered with Brad and Don and Ronan and Rob and Schwall in a room to think about them, there were maybe one hundred fifty different order types. What purpose did each serve? How might each be used? The New York Stock Exchange had created an order type that ensured that the trader who used it would trade only if the order on the other side of his was smaller than his own order; the purpose seemed to be to prevent a high-frequency trader from buying a small number of shares from an investor who was about to crush the market with a huge sale. Direct Edge created an order type that, for even more complicated reasons, allowed the high-frequency trading firm to withdraw 50 percent of its order the instant someone tried to act on it. All of the exchanges offered something called a Post-Only order. A Post-Only order to buy 100 shares of Procter & Gamble at $80 a share says, “I want to buy a hundred shares of Procter & Gamble at eighty dollars a share, but only if I am on the passive side of the trade, where I can collect a rebate from the exchange.” As if that weren’t squirrely enough, the Post-Only order type now had many even more dubious permutations. The Hide Not Slide order, for instance. With a Hide Not Slide order, a high-frequency trader—for who else could or would use such a thing?—would say, for example, “I want to buy a hundred shares of P&G at a limit of eighty dollars and three cents a share, Post-Only, Hide Not Slide.” One of the joys of the Puzzle Masters was their ability to figure out what on earth that meant. The descriptions of single order types filed with the SEC often went on for twenty pages, and were in themselves puzzles—written in a language barely resembling English and seemingly designed to bewilder anyone who dared to read them. “I considered myself a somewhat expert on market structure,” said Brad. “But I needed a Puzzle Master with me to fully understand what the fuck any of it means.” A Hide Not Slide order—it was just one of maybe fifty such problems the Puzzle Masters solved—worked as follows: The trader said he was willing to buy the shares at a price ($80.03) above the current offering price ($80.02), but only if he was on the passive side of the trade, where he would be paid a rebate. He did this not because he wanted to buy the shares. He did this in case an actual buyer of stock—a real investor, channeling capital to productive enterprise—came along and bought all the shares offered at $80.02. The high-frequency trader’s Hide Not Slide order then established him as first in line to purchase P&G shares if a subsequent investor came into the market to sell those shares. This was the case even if the investor who had bought the shares at $80.02 expressed further demand for them at the higher price. A Hide Not Slide order was a way for a high-frequency trader to cut in line, ahead of the people who’d created the line in the first place, and take the kickbacks paid to whoever happened to be at the front of the line.

AlphaPoint Completes Blockchain Trial Together with Scotiabank AlphaPoint, a fintech company, devoted to blockchain technological innovation, has accomplished a successful proof technology together with Scotiabank, a major international bank based in Barcelone, Canada. From the trial, Scotiabank sought to learn and examine how the AlphaPoint Distributed Journal Platform could be leveraged inside across a selection of use situations. When questioned if AlphaPoint and Scotiabank intended to further build this job, Igor Telyatnikov, president and also COO regarding AlphaPoint, advised Bitcoin Journal that he was not able to comment especially on the subsequent steps in the particular Scotiabank-AlphaPoint effort. He performed, however, suggest that AlphaPoint is about to reveal several additional media shortly. “We have a couple of other significant announcements that is to be announced inside the coming calendar month, including a generation launch using a systemically crucial financial institution, ” said Telyatnikov. “2017 will be shaping around be an unbelievable year for that distributed journal technology market as a whole and then for AlphaPoint also. ” Within the multi-month venture, trade studies were published upon deployment of the AlphaPoint Distributed Journal Platform, which usually ran concurrently on Microsoft’s Azure impair and AlphaPoint hardware. Inside real-time, typically the blockchain community converted FIXML messages to be able to smart deals and produced an immutable “single truth” across the complete network. The particular Financial Details eXchange (FIX) is a sector protocol used for communicating stock options information inside specific digital messages. Including information about getting rates, market info and buy and sell orders. Using trillions involving dollars bought and sold annually around the Nasdaq only, financial providers entities are usually investing seriously in maximizing electronic buying and selling to increase their particular speed monetary markets and decrease costs. Blockchain technology may help them help save $8-12 million per annum, which includes savings up to 70 percent throughout reporting, 50 % in post-trade and 50 % in consent, according to a report by Accenture and McLagan.

Sugar, my father has begun confessing to me. At first these weird confessions were small and insignificant, and I chalked them up to the fact that he was feeling his own mortality and therefore taking stock of his life. But more recently his confessions have turned into a crimes and misdemeanors festival that’s not fun for me at all. He’s been telling me about the many women he cheated on my mother with, about how he isn’t 100 percent certain that he hasn’t fathered other children, and tawdry sexual details that spawn visuals I do not want to have. He told me that when my mom got pregnant with me she didn’t want a fifth child so she wanted to abort me, but feared someone might find out so she canceled the appointment, but cut him off sex, which led to his first affair

When Lane refused to sell to Don Tyson in 1982, Blair got creative. He bought the $10 million bond note, which was backed by Valmac’s stock. Clift Lane quickly discovered that not only did he owe an unholy amount of money, but he now owed it to Don Tyson. And Don Tyson was about as gracious about the debt as Lane expected: He immediately tried to foreclose on him. By calling in the loan, Don Tyson would win ownership of the stock that backed it, giving him de facto ownership of the company. Lane fought the foreclosure in court, then stealthily flew to North Carolina and declared bankruptcy, defaulting on the $10 million bond. Blair argued in court that Tyson should still have rights to Valmac, but Lane managed to sell the company out from under them to a Texas investment firm called Bass Brothers Enterprises in 1983. Don Tyson and Jim Blair had lost the battle for Valmac. It was a defeat that lasted all of thirty days. Don scrutinized the Bass brothers’ investments and then called Jim. He thought the Basses would sell Valmac for the right price. — You know, the Bass brothers are doing a deal with Disney, and they need money. They don’t know what they’ve got here. We better buy that before they know what they’ve got. Blair was stunned when Tyson told him the offer price: $30 per share. It was more than a third higher than what the Bass brothers had paid, and nearly double the price Tyson had originally offered. Blair thought the price was far too high, and it would mire Tyson in a money-losing venture. — Trust me. I know it’s worth more than that, Don Tyson told him. Not surprisingly, Bass Brothers Enterprises was willing to let Valmac go at the seemingly exorbitant price. Don Tyson and Jim Blair flew to Fort Worth to sign the papers, closing the deal in September 1984. Don excused himself from the meeting early, leaving Blair behind to iron out the details, and took his private plane for a flying tour so he could look down on the new Valmac plants he had just acquired.

Hence, after this foreshortened discussion of the major considerations, we once again enunciate the same basic compromise policy for defensive investors—namely that at all times they have a significant part of their funds in bond-type holdings and a significant part also in equities. It is still true that they may choose between maintaining a simple 50–50 division between the two components or a ratio, dependent on their judgment, varying between a minimum of 25% and a maximum of 75% of either. We shall give our more detailed view of these alternative policies in a later chapter. Since at present the overall return envisaged from common stocks is nearly the same as that from bonds, the presently expectable return (including growth of stock values) for the investor would change little regardless of how he divides his fund between the two components. As calculated above, the aggregate return from both parts should be about 7.8% before taxes or 5.5% on a tax-free (or estimated tax-paid) basis. A return of this order is appreciably higher than that realized by the typical conservative investor over most of the long-term past. It may not seem attractive in relation to the 14%, or so, return shown by common stocks during the 20 years of the predominantly bull market after 1949. But it should be remembered that between 1949 and 1969 the price of the DJIA had advanced more than fivefold while its earnings and dividends had about doubled. Hence the greater part of the impressive market record for that period was based on a change in investors’ and speculators’ attitudes rather than in underlying corporate values. To that extent it might well be called a “bootstrap operation.” In

But, sir, I have greater news than that,” said the messenger. “General Burgoyne and his whole army are prisoners!” Burgoyne had been defeated at the Battle of Saratoga, and now Howe was indeed isolated.26 The very dramatic dramatist Beaumarchais, who happened to be at Passy at the time, was eager to use the inside news to speculate in the stock markets; he raced back to Paris at such a high speed that his cabriolet overturned, fracturing his arm. Bancroft also immediately scurried off, heading for London to consult with his spymasters (he would also have speculated, but the news reached London before he did). Franklin, far calmer than his odd friends, wrote up a news release filled with little details and large exaggerations: “Mail arrived from Philadelphia at Dr. Franklin’s house in Passy after 34 days. On October 14th General Burgoyne was forced to lay down his arms, 9200 men killed or taken prisoner . . . General Howe is in Philadelphia, where he is imprisoned. All communication with his fleet is cut off.

We all live in a world governed by uncertainty. No one can predict the future with complete accuracy, no matter how well-informed or well-prepared they may be. The stock market fluctuates, relationships evolve, and our health can change overnight. By accepting that uncertainty is a fundamental aspect of life, we free ourselves from the burden of trying to control every detail.

What e-mail was Ryan Siurek talking about? Siurek, an architect on the Raptors, had been speaking with Andersen accountants about some technical detail involving $1.2 billion booked as “notes receivable” from the Raptors, or commitments to pay Enron, which related to the company’s agreement to contribute stock to the entities. That had resulted in Enron’s increasing its reported equity by the same amount. Siurek said he had raised the issue during the March restructuring in an e-mail to Patricia Grutzmacher, a member of the Andersen team.

we wanted 95 percent of detail page views to display a product that was in stock and ready for immediate shipping.

From his headquarters in Los Angeles, Bob Lorsch had entered the prepaid calling card space and built SmarTalk into a success. I was a VP at Salomon at the time and had heard stories about how crazy and fascinating Lorsch was, so I agreed to work with my colleague Mark Davis on a SmarTalk equity offering a year or so after the company’s IPO. We met at their Los Angeles offices at lunchtime. Lorsch burst into the room like a bad caricature of Danny DeVito, and even though I’d been warned that he was an unconventional CEO, I still wasn’t prepared for the encounter. We had put together the standard detailed presentation that analyzed the state of the public equity markets, how the SmarTalk stock had been performing, who owned it, et cetera. A young Salomon analyst who had been pulling all-nighters to assemble the books sat in a chair near the door. Mark and I passed around the presentation books. “So we’ve prepared a—” I started. “Just tell me,” Lorsch interjected. “Do we have Grubman or not?” Jack Grubman, Salomon’s famed equity analyst, had previously endorsed the SmarTalk IPO with a buy rating. “Yes,” Mark said. “We have Jack. We talked to him prior to the meeting and confirmed that he’ll continue to cover the company and support the offering.” “Then you’re hired,” Lorsch said with a smile, pushing his unopened book to the center of the table. “Let’s eat.” It seemed reckless to have made his decision on so little information, and I could only imagine how the analyst kid near the door felt, sleep-deprived and probably proud of his hard work, only to see the book tossed aside without so much as a cracking of the spine. While we ate the catered lunch that was delivered to the conference room, Mark mentioned that I was in the midst of planning my wedding for that summer. “Don’t get married!” Lorsch advised me. “Terrible, terrible idea.” He described a few of his own ill-fated unions, dropping in crude one-liners to punctuate the stories: “Why buy when you can rent? . . . If it flies, floats, or fucks, don’t buy it! . . .” Despite

The dubious role of Minister P Chidambaram in persecuting an honest and upright IRS officer S K Srivastava for his efforts to enforce the law stands bare for anyone and everyone to see. The conduct of female IRS officers Shumana Sen (IRS 99005) and Ashima Neb (IRS 99010), who faked sexual harassment against S K Srivastava in lieu of money paid to them by NDTV is described in detail.

Creating an algorithmic trading system should be every trader's goal. Yet, developing a trading system can be overwhelming since it involves several moving parts. Another challenge is that today's markets require an algorithm that adapts to different market conditions. In "Algorithmic Trading 101" Jacinta Chan sets you up by starting with the basics and walking you through the process, step-by-step. She touches on all aspects of a trading system. After going through the entire process detailed in the book, the trader will be ready to develop a customized trading system that follows the principles of professional traders." Jayanthi Gopalakrishnan,  Director, Site Content  StockCharts.com

For it was clear that, while one need not be rich, or even affluent, to survive in this environment, it was necessary to have some of the qualities that led to affluence when they were applied in more settled places. The cords of split wood neatly stacked under corrugated roofs, still amply stocked even at the end of the long mountain winter, and many other such details told Olivia that the same people, transplanted to Spokane, would soon be running small businesses and chairing civic organizations.

Elle held her breath as Darcy frowned thoughtfully. “Okay, got it. May I ask a question?” “Absolutely.” Elle gestured for Darcy to go on. “There’s no such thing as a stupid question. There’s a definite learning curve to this.” Darcy nodded. “All right. If your Jupiter is . . . in Virgo?” Elle nodded. “Where’s your Uranus?” “My Uranus is in Capri—” Elle froze. “Wow.” Darcy’s dimples deepened as she smiled impishly. “Sorry, it was just right there. You probably get that a lot.” “From frat boys and five-year-olds, not . . .” She trailed off, gesturing up and down in Darcy’s general direction with her free hand. “People like you.” “People like me?” Darcy’s brows rose and fell. “Like me how?” People who drank fifty-six-dollar glasses of wine and wore tight little pencil skirts and Christian Louboutin heels and worked as actuaries. Insufferable know-it-alls with cunning sensibilities and kissable little moon-shaped freckles. People with eyes like burnt caramel and full lips that looked candy-apple sweet. People who . . . who . . . Elle waved the notebooks in the air. “I don’t know. Which is why I’m here. I figured, we’d drink a little wine, play twenty questions, jot down our notes, and get to know each other a little. Make this charade a little more believable, if not truthful. Or close enough to assuage my conscience.” Darcy did that thing where she stared, brown eyes studying Elle from across the living room. It was only a look and yet it made Elle feel weirdly naked. “If you think it’s silly, we can—” “No.” Darcy shook her head and stepped closer, nudging the remaining bag with a stocking-covered toe. Stockings. Fuck. Elle sunk her teeth into her bottom lip. Pantyhose were the bane of her existence—if she so much as tried to put on a pair, she’d immediately get a run—but on Darcy . . . Elle tore her eyes away and feigned interest in ripping open the cardboard pen packaging. Darcy went on, “It’s not silly. No doubt Brendon will dig for details. It’s important for us to be on the same page. Good idea.

We lack space here to discuss in detail the pros and cons of market forecasting. A great deal of brain power goes into this field, and undoubtedly some people can make money by being good stock-market analysts. But it is absurd to think that the general public can ever make money out of market forecasts. For who will buy when the general public, at a given signal, rushes to sell out at a profit? If you, the reader, expect to get rich over the years by following some system or leadership in market forecasting, you must be expecting to try to do what countless others are aiming at, and to be able to do it better than your numerous competitors in the market. There is no basis either in logic or in experience for assuming that any typical or average investor can anticipate market movements more successfully than the general public, of which he is himself a part. There is one aspect of the “timing” philosophy which seems to have escaped everyone’s notice. Timing is of great psychological importance to the speculator because he wants to make his profit in a hurry. The idea of waiting a year before his stock moves up is repugnant to him. But a waiting period, as such, is of no consequence to the investor. What advantage is there to him in having his money uninvested until he receives some (presumably) trustworthy signal that the time has come to buy? He enjoys an advantage only if by waiting he succeeds in buying later at a sufficiently lower price to offset his loss of dividend income. What this means is that timing is of no real value to the investor unless it coincides with pricing—that is, unless it enables him to repurchase his shares at substantially under his previous selling price.

Whereas in the early days of the plague they had been struck by the host of small details that, while meaning absolutely nothing to others, meant so much to them personally, and thus had realized, perhaps for the first time, the uniqueness of each man's life; now, on the other hand, they took an interest only in what interested everyone else, they had only general ideas, and even their tenderest affections now seemed abstract, items of the common stock. So completely were they dominated by the plague that sometimes the one thing they aspired to was the long sleep it brought, and they caught themselves thinking: "A good thing if I get plague and have done with it!" But really they were asleep already; this whole period was for them no more than a long night's slumber. The town was peopled with sleepwalkers, whose trance was broken only on the rare occasions when at night their wounds, to all appearance closed, suddenly reopened. Then, waking with a start, they would run their fingers over the wounds with a sort of absentminded curiosity, twisting their lips, and in a flash their grief blazed up again, and abruptly there rose before them the mournful visage of their love. In the morning they harked back to normal conditions, in other words, the plague.

When it comes to low float stocks, the Bull Flag and Fallen Angel Strategies — which I detail in Chapter 6 - work best. The other strategies in this book are not suitable for low float sub-$10 stocks.

By then the conglomerate boom had just about peaked. The problems with merger accounting were obvious, and many investors had realized that conglomerate profits were inflated. The end came in 1969, when the market plunged, making it hard for conglomerates to issue the debt or stocks they needed for new acquisitions. A conglomerateur who runs out of acquisitions is a very unhappy conglomerateur. He’s stuck managing the companies he has already bought, which are all too often third-rate companies in slow-growth industries. Winners buy; losers manage. Worse, the skills that make a successful conglomerateur—salesmanship, impatience with details, and a huge ego—are more or less the opposite of the skills needed to successfully manage a company.

Johnson gained access to detailed data on casualties from Colombia’s ongoing civil war. The casualties, he discovered, followed a pattern seen, but never explained, in stock markets.

bitcoin and issued guidance on its tax treatment with IRS Notice 2014-21. Without detailing the fine print of the ruling,27 the basic message was that although bitcoin may be called a virtual currency, for tax purposes the IRS would treat it as property. For example, stocks, bonds, and real estate are also considered property.

Hilary could talk for hours about the second of December 1805, but nonetheless it was his opinion that he had to cut his accounts far too short, because, as he several times told us, it would take an endless length of time to describe the events of such a day properly, in some inconceivably complex form recording who had perished, who survived, and exactly where and how, or simply saying what the battlefield was lie at nightfall, with the screams and groans of the wounded and dying. In the end all anyone could ever do was sum up the unknown factors in the ridiculous phrase, "The fortunes of the battle swayed this way and that," or some similarly feeble and useless cliché. All of us, even when we think we have noted every tiny detail, resort to set pieces which have already been staged often enough by others. We try to reproduce the reality, but the harder we try, the more we find the pictures that make up the stock-in-trade of the spectacle of history forcing themselves upon us: the fallen drummer by, the infantry man shown in the act of stabbing another, the horse's eye starting from its socket, the invulnerable Emperor surrounded by his generals, a moment frozen still amidst the turmoil of battle. Our concern with history, so Hilary's thesis ran, is a concern with preformed images already imprinted on our brains, images at which we keep staring while the truth lies elsewhere, away from it all, somewhere as yet undiscovered.

While Immelt said that he encouraged debate, meetings often lacked rigorous questioning. One executive recalled being in a board meeting in which Keith Sherin was presenting the quarterly financial results to the group. The Power business had missed badly, but little specific detail was provided on what went wrong. This executive braced for the reaction from the directors, but it never came—none of them asked what went wrong. When Flannery committed to renewing and shrinking the board of directors, it included half a dozen current or former CEOs, the former head of mutual fund giant Vanguard Group, the dean of New York University’s business school, as well as a former chair of the Securities and Exchange Commission. The seventeen independent directors got a mix of cash, stock, and other perks worth more than $300,000 a year. The terms had been even more generous when GE still made appliances; the company allowed directors to take home up to $30,000 worth of GE products in any three-year period. The company matched the directors’ gifts to charity, and upon leaving the board, a director could send $1 million in GE money to a charity. Some directors admitted to having been sold by Immelt’s sweeping optimism, even if they knew he wasn’t the best deal-maker. But they knew he had a hard job, was playing with a tough hand, and had survived multiple major crises. Plus, they liked him. Immelt said that he did his best to keep directors informed, noting that he required them to make trips to GE divisions on their own, but he also knew that the complexity of the business limited their input. As they’d done under Welch, the board usually tended to approve his recommendations and follow his lead. Some felt that Immelt manipulated the board, and it was whispered that members were chosen and educated to see the company through his visionary eyes. There was concern that the board didn’t entirely understand how GE worked, and that Immelt was just fine with that. Like many CEOs who are also their company’s chairman, he made sure that his board was aligned with him.

Driven by initial success, many investors pumped their life savings into Internet stocks in the late 1990s. Some even took out loans to capitalise on the opportunity. However, these investors overlooked one tiny detail: their amazing profits at the time had nothing to do with their stock-picking abilities. The market was simply on an upward spiral. Even the most clueless investors won big. When the market finally turned downward, many were left facing mountains of dot-com debt.

Whatever your Edge of greatness is, it will be uncomfortable. That’s why so many stay far away from their Edge. They may often imagine “taking the step”, imagining how frightening it would be, while longing for the thrill of triumph. Yet they play it safe. Fifty feet from the edge. They may wonder what the view is like, debating and theorizing with others about it. They may try to convince themselves that they’re not missing out, while admiring from a distance those who have stepped up to their own Edge. They may even make plans to walk to their Edge, spending days brainstorming detailed strategies and stocking up on “needed” supplies. Then, despite all the dreaming and planning…at the end of it all…they lie on their deathbed, filled with deep regret that they never stepped up all the way.

He made $3 million in a single day, went bankrupt four times, and was blamed for the crash of 1929. Jesse Livermore tells how he did it. Considered to be one of the greatest traders of all time, stock market legend Jesse Livermore made and lost vast fortunes and lived a life that typified the highs and lows of the 1920s and 1930s. So influential was he that many credit him with having caused the crash of 1929. And while America sank into ten long years of the Great Depression, Livermore went short--and made $100 million. Written by Livermore in 1940, the last year of his life, "How to Trade in Stocks" distills the wisdom of his 40 years as a trader. It combines fascinating autobiographical and historical details with step-by-step guidance through the Livermore trading system. Investors learn his prescriptions for analyzing the leading sectors, understanding timing, money management, emotional control, and more.

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Though many details of these schemes are either complex or not yet public knowledge, one of the mechanisms is. Some exchanges, such as NASDAQ, let HF traders peek at customer orders ahead of everyone else for thirty milliseconds before the order goes to the exchange. Seeing an order to buy, for instance, the HF traders can buy first, pushing the stock price up, then resell to the customer at a profit. Seeing someone’s order to sell, the HF trader sells first, causing the stock to fall, and then buys it back at the lower price. How is this different from the crime of front-running, described in Wikipedia as “the illegal practice of a stock broker executing orders on a security for its own account while taking advantage of advance knowledge of pending orders from its customers”?

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