What Everyone Should Know About Money
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I recently read a new book written by Joseph Sangl, author and founder of I Was Broke, Now I’m Not, an organization that provides financial training. The title of the book is What Everyone Should Know About Money Before They Enter THE REAL WORLD. Sangl shares his experiences of being launched into that real world without any financial training. He had been taught how to earn income but not how to manage the money he made. He targeted this book at young folks – high school students, college students and 20-somethings. His stated goal was to provide a resource that would help equip them to make good financial decisions for life.
This is a subject near and dear to my heart for a couple of reasons. First, I did not receive any such training and like Sangl, it took me years of painful on-the-job training to learn these important lessons. I don’t blame anyone for that. It wasn’t a high value to prepare a young person in that way when I was growing up, and it still isn’t one today. Second, some of my older children have suffered because I lacked the resources to teach my kids these lessons. It was not for lack of trying. I devised a board game to teach my kids about using enveloping as a budgeting system (I know…must have been the most fun dad on the block!). They all listened to me and understood the concepts I was trying to cover (usually within the first 5 minutes), but NOT ONE OF THEM actually applied what they learned, or even REMEMBERED the core concepts. We purchased the Crown resources specifically geared towards teens, but couldn’t get our kids to actually finish them. They would start them, but wouldn’t stay engaged. So, all that to say that I was excited to read and review Sangl’s new book.
There were several things that I really liked about this book:
- It is short and concise. This could easily have expanded to 200+ pages with countless stories, but Sangl gets to the point and jam packs a ton into 88 pages cover to cover. It can easily be read in one sitting.
- It starts with his personal story. His story is compelling in its ordinariness. His story is not an uncommon story of ridiculous excess, but instead a story of common indulgence born out of ignorance. I think a lot of younger folks will see themselves in his journey.
- It explains complex issues using everyday language. For instance, rather than going into a long drawn out explanation of the what and how of budgeting, he talks about “planning your money,” by spending your money on paper before it is spent for real. Even I’ve never thought of budgeting in that way.
- It is comprehensive in its scope. He covers all the pertinent subjects, such as giving, saving, debt, credit scores, compound interest, purchasing a home and insurance.
- It covers the impact of finances on relationships. This is often ignored by such work, where the focus is on the financial concepts, rather than the impact upon those around us. I thought this was a big value add.
There was only one thing that I didn’t like in the book. Chapter One is called, “Plan for Life.” In it, Sangl starts off with talking about the importance of understanding your own hopes and dreams and writing them down. He encourages the reader to stop and complete that exercise BEFORE continuing to read the rest of the book. Here’s the problem, at least from my perspective. This would’ve ended up being another book from which my kids read only the first chapter. Maybe my kids were uniquely clueless, but they would have no idea what to write down. I agree with Sangl that this is an important endeavor, but I would’ve rather seen this chapter at the end of the book rather than the beginning. Putting it at the beginning creates the mistaken impression that one cannot employ the subsequent lessons without having the life plan clearly in mind. I think having that chapter at the beginning will unnecessarily dissuade some from reading any further.
Having said that, I highly recommend the book and plan to purchase a copy for each of my kids over 17. (Of course, I have not yet planned said spending, so I’ll have to invest a little time with my budget. Fortunately, the book is very reasonable at $12.99.)
Disclosure of Material Connection: I received this book free from the author as part of his Blog Tour. I was not required to write a positive review. The opinions I have expressed are my own. I am disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising.”
Unbelievable Generosity
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I’m using a one year reading plan through YouVersion to cover the whole bible in 2o1o. I just read the most amazing passage of scripture in the book of Exodus. I had to go back and read and re-read it a few times to let it settle in. While I remember the scenes of Charlton Heston parting the Red Sea and destroying the golden calf with the first release of the stone tablets, I don’t remember this particular incident portrayed in the film.
After Moses lays smack down on the people for building and worshiping the golden calf, the people repent. Moses then sets them to the God-instructed task of building the ark, tabernacle, courtyard, tables, lamps, etc. Moses instructs the people:
“This is what the LORD has commanded: From what you have, take an offering for the LORD. Everyone who is willing is to bring to the LORD an offering of gold, silver and bronze; blue, purple and scarlet yarn and fine linen; goat hair; ram skins dyed red and hides of sea cows; acacia wood; olive oil for the light; spices for the anointing oil and for the fragrant incense; and onyx stones and other gems to be mounted on the ephod and breastpiece.” – Exodus 35:4-9
Did you catch the phrase “everyone who is willing?” They were not commanded to give a particular amount or percentage. It was left up to their individual willingness.
And the people responded with an unbelievable generosity:
They received from Moses all the offerings the Israelites had brought to carry out the work of constructing the sanctuary. And the people continued to bring freewill offerings morning after morning. So all the skilled craftsmen who were doing all the work on the sanctuary left their work and said to Moses, “The people are bringing more than enough for doing the work the LORD commanded to be done.” – Exodus 36:3-5
The people brought “more than enough.” So much, as a matter of fact, that Moses had to take action:
Then Moses gave an order and they sent this word throughout the camp: “No man or woman is to make anything else as an offering for the sanctuary.” And so the people were restrained from bringing more, because what they already had was more than enough to do all the work. – Exodus 36:6-7
Can you imagine? So much willingness, such hearts of generosity, so much investment in the work of the Lord, such excess of personal offering, that we might be commanded to give no more? They were “restrained from bringing more.” Wow!
It challenges me to look at my personal generosity. I’m sure I’m not even close to a point where God might be considering telling me to give no more.
What is a catalytic leader?
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Leadership has always been a favorite topic for authors, speakers and teachers. But it can be so very confusing because everyone seems to have a different definition of what leadership is and what good leadership looks like. Over the last year, I’ve spent a good deal of time thinking about a particular flavor of leader – one I refer to as the catalytic leader. Such a leader can be defined as one who is effective at accelerating the pace of healthy change.
I’ve come to believe that while there are many important aspects to being a catalytic leader, they all seem to fit into three key behaviors. A catalytic leader must be able to:
- Identify meaningful change. No individual, team or organization is perfect. We can always improve our performance. And even if we do achieve perfection in our chosen game, the rules will soon change to redefine the very nature of the game itself. Change is inevitable and meaningful change is necessary for healthy growth. The catalytic leader must keep on the lookout for meaningful changes that are needed – well before they’re needed. Such a leader must also select those changes that will be meaningful from the sea of those that won’t.
- Initiate meaningful change. It isn’t enough to identify that a set of changes are needed. The catalytic leader must actually initiate that change. This may include assessing your options, planning your project and assembling your team. This is about getting it all moving and building momentum for the desired change. The catalytic leader must be able to translate vision into an actionable plan.
- Deliver meaningful change. It seems that any attempts to effect meaningful change into our lives or organizations are met almost immediately with obstacles. Sometimes we get distracted with competing priorities. Sometimes team members resist change. Sometimes unforeseen setbacks make us doubt whether we can accomplish the goal. And sometimes we begin to lose our commitment to the desired change. The catalytic leader must keep their eye on the goal and push through all of these obstacles as they arise. They keep the vision fresh and clear. They ensure that progress continues and that the team remains unified in their commitment throughout successful implementation of the change. And they celebrate the wins as they come.
When a catalytic leader doesn’t find themselves personally gifted or even competent in one or more of these key behaviors, they can overcome that deficit by surrounding themselves with those who are. A visionary leader may be great at identifying meaningful change necessary to bring about a desired future reality, but may lack the wiring to develop a plan that can lead to that change. The self aware leader will partner with others who have the necessary gifting to get the job done.
Which of these three key behaviors come naturally to you? Which of these are most taxing for you as a leader? What implications do your answers have for how you can improve your leadership moving forward?
Four Steps to Phenomenal Relationships
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I’ve always loved the passage in Matthew 6 where Jesus is teaching us how to pray. Jeff Griffin, one of the co-Senior Pastors at The Chapel, mentored me as a young believer with this and it continues to shape my understanding of how to talk with God. But it also struck me fairly early on that this passage also gives us the steps to build authentic and lasting intimacy in any relationship. The same values that make for great communication with God foster great communication in a relationship, whether it is with a spouse, child, parent, friend or co-worker.
Verse 9 says, “”This, then, is how you should pray: ‘Our Father in heaven, hallowed be your name.” Jeff taught me that I should praise God, not only for what He does for me, but for who He is. That is so important because it takes my eyes of of me – their natural resting place – and places them on Him. It’s hard to communicate effectively with God if I’m not focusing on Him first. The same is true in my relationships with other people. I need to intentionally shift my focus from myself to the other person, and the most effective way to do that is to praise and encourage them. Imagine our world if every interaction began with a word of encouragement or praise. So, step 1 is to praise the other person.
Verse 10 of Jesus’ instruction continues, “your kingdom come, your will be done on earth as it is in heaven.” Jeff taught me that it was important to align my heart and mind with what is important to God. Again, this takes my mind and heart off whatever else is consuming them and focuses them on God. I am affirming that what is important to God is important to me. As I pray that prayer, I grow in my desire to see His kingdom come and His perfect will done here. It is just as important, in my interactions with other important people in my life, that I align my mind and heart with whatever is important to them. It’s hard to develop genuine closeness if I don’t demonstrate that what is important to them is of any interest to me. Step 2 is to demonstrate interest in what’s important to them.
Jesus continues in verse 11, “Give us today our daily bread.” This seems to be the easiest part for many of us in prayer, as we are rarely at a loss for what to ask God for. But Jeff stressed the importance of asking God to provide for all of our needs, even the most simple and basic, such as daily bread. The act of asking for something that we can’t do for ourselves is powerful because in doing so we acknowledge that we aren’t God and that He is. Our dependence upon God is an important component of our relationship with Him. And healthy dependence upon the important people in our lives is an important component of any healthy relationship. Interdependence cannot grow and flourish if we are not willing or able to communicate our legitimate needs to those who love us. The third step is to make your needs and wants known.
Finally, Jesus wraps up with verses 12 and 13, “Forgive us our debts, as we also have forgiven our debtors. And lead us not into temptation, but deliver us from the evil one.” Jeff taught me the importance of regularly seeking forgiveness. This is so important because our natural inclination is to pull away relationally from someone we’ve grieved. Forgiveness draws us back to God. And it does the same thing in our relationship with other people – forgiveness draws us close once again. It is important that we forgive and be forgiven. The fourth step is to forgive and seek forgiveness often.
It shouldn’t really be surprising that the same steps that Jesus said would foster great communication with God might also foster great relationships with other people. Give them a try for a week in one significant relationship and see where it leads.
Disturbing Trends
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There have some couple of very disturbing trends in the world of Down Syndrome:
- 92% of women who receive a prenatal diagnosis of Down Syndrome for their unborn child choose to terminate the pregnancy.
- Mothers in the US who received such a diagnosis and chose to continue their pregnancy indicated that their physicians often provided incomplete, inaccurate and often offensive information about DS.
- In a survey conducted in 2004 of 2500 medical school deans, students and residency directors in the US, 81% of medical students report that they “are not getting any clinical training regarding individuals with intellectual disabilities”, and 58% of medical school deans say such training is not a priority.
- In a questionnaire completed by 532 ACOG (American Congress of Obstetricians and Gynecologists) fellows and junior fellows in 2004, 45% rated their training regarding how to deliver a prenatal diagnosis as “barely adequate or nonexistent” and only 28% felt “well qualified” in general prenatal genetic counseling.
I don’t think these are disconnected. I’ve talked to so many parents of children with DS and so many who received a prenatal diagnosis report that the doctors were pretty emphatic about urging them to terminate the pregnancy.
I want to make it clear that I am not judging parents. To receive such a diagnosis is devastating to parents. I would never presume to second guess what is an incredibly difficult family decision. My concern is that parents are often making that decision with inaccurate information.
I also want to acknowledge that there are some excellent doctors that do a great job of educating parents after a prenatal diagnosis.
What concerns me most about this is that this is a perfect storm. Poor training leads to poorly equipped physicians. Poorly equipped physicians give bad information to scared parents. And scared, misinformed parents are terminating their pregnancies. This is a predictable sequence.
But beyond the statistics are people. Thousands of them. Little people that will never have a chance to learn, love and live. It breaks my heart.
Gabby’s birthparents could have chosen to terminate her life. I praise God that they made a decision to let her live and put her up for adoption.
Down Syndrome – What is it? What isn’t it?
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For many people who read my blog, they won’t read any further than the title of this post because they don’t see this topic as relevant to them. It’s like the single person having to sit through one more sermon series on marriage, knowing that there is little value to them personally, other than the ‘when/if it happens to me’ perspective. I want to offer another perspective for you to consider. God has a special place in his heart for the disadvantaged. Scripture shows it over and over, and God calls us to minister to them on God’s behalf. Can I encourage you to take a few minutes and learn something that you might not already know? Who knows how God might use it to bless one of his children.
Down Syndrome is a chromosomal anomaly caused by an error in cell division that results in the presence of an additional third chromosome 21. It occurs in about 1 out of every 800-1,000 births, in all races and economic groups. The incidence goes up significantly with the age of the mother. DS is the most frequent genetic cause of mild to moderate cognitive disabilities and associated medical problems. Most people recognize someone with DS because of the physical features that usually are present, such as a flat facial profile, an upward slant to the eye, a short neck, abnormally shaped ears, and a single, deep transverse crease on the palm of the hand. However, a person with DS may not possess all of these features; some of these features can even be found in the general population. Several other well-known medical conditions, including hearing loss, congenital heart disease, and vision disorders, are more prevalent.
In the past, a diagnosis of DS has been much like delivering a death sentence. In 1929, the average life span of an individual with DS was nine years. By 1970, that had risen to 12. Today, it is common for a person with DS to live to age fifty and beyond! In addition to living longer, people with DS are now living fuller, richer lives than ever before as family members and contributors to their community. Many people with DS form meaningful relationships and eventually marry. Now that people with DS are living longer, the needs of adults with the syndrome are receiving greater attention. With assistance from family and caretakers, many adults with DS have developed the skills required to hold jobs and to live semi-independently.
Some fictional works have portrayed those with cognitive disabilities as being dangerous. They have been portrayed as killers, psychopaths, child molesters, and all sorts of crazy stuff. Let me tell you how angry that makes me. It might make for good scary-movie entertainment, but it fosters the kind of misinformation that casts doubts and keeps a society at arms length from individuals with DS. There is absolutely no statistical support to indicate that such behavior is associated with DS. It’s just nonsense.
I guess the thing I’d like you to know, beyond all the facts and figures, is that a person with DS is far more like you than they are different. They have feelings. If you insult them, they get hurt, discouraged and withdrawn. If you demonstrate caring towards them, they will experience joy, encouragement and a sense of belonging. Sounds a lot like you and me, right?
If you don’t already have the privilege of doing life with a person with DS, I pray someday you may. You might just experience life from a little different perspective.
The Placement of a Single Word is So Important
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Have you ever noticed how the placement of a word in a sentence dramatically changes the meaning? For instance, recently I heard a speaker inviting people to “a large men’s bible study.” Being a large man myself, I wondered if there would be supersized snacks, to help us maintain our physical largess. But no, the speaker had simply misspoken. It was the study that would be large, not the individual participants.
While this is a silly example, there are more serious examples that take place every day. For instance, I’ll often hear people refer to my daughter Gabby as a “special needs child.” This may seem like a really small thing, mere semantics to those who are not in some was associated with such a child. But it is far more important than that. You see, Gabby is first and foremost a child. What defines her, what makes her special, is that she was created by God, in His image, and placed in this world for such a time and place as this. This ridiculously cute 4 year old is just like any other child in most regards – she laughs, cries, has feelings, experiences delight, experiences frustrations, throws tantrums, sings, dances, throws, helps dress herself, entertains us, says the alphabet, recognizes her numbers, and has her mom and dad wrapped around her little finger. Yes, she also has Down Syndrome, and that certainly impacts her. But it doesn’t define her.
You may be thinking, “While that’s true, is this whole distinction really important? Does it really matter whether I say “special needs child” or “Down Syndrome child” rather than “child with special needs” or “Child with Down Syndrome?” Believe it or not, it makes a huge difference to me as a parent, and her as a person. Let me explain. Our job as parents is to help Gabby to learn about and fall in love with God, then to become well adjusted and socialized into the world as a contributing member of society.
Believe it or not, the greatest obstacle she has is not the Down Syndrome. Really. Today, individuals with Down syndrome are active participants in the educational, vocational, social and recreational aspects of our communities. In fact, there are more opportunities than ever before for individuals with Down syndrome to develop their abilities, discover their talents and realize their dreams. For example, more teens and adults with Down syndrome each year are graduating from high school, going to college, finding employment and living independently. The opportunities currently available to Gabby have never been greater.
The greatest obstacle she faces in realizing that potential is the limitations others will place on her, without any malice whatsoever. They will be well-meaning in their desire to shield her from painful failure, but in doing so will box her into a life that falls so short of her ultimate capabilities. I believe in her. I believe in her future. I believe that she will love God, accept Jesus as her Lord and Savior, and even advance His Kingdom. Look into her eyes. Look past the tell-tale eye-lids and into her eyes. She’s in there – a whole person – alive and well. She’s going to change the world.
Yes, she is a special child.
Opportunity – Blessing or Distraction?
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A dear friend called me to discuss how one can discern between an opportunity that is brought from God and an opportunity that looks good on the outside, but is really just a distraction from what God wants you to do. They had read my last post on how the enemy uses deception. I wrote that one of the ways deception comes packaged is as an attractive opportunity – often one that looks like it might be from God. So, my friend asked, how do you tell the difference? I don’t have a sure-fire answer, but I felt God prompting me to flesh this out a bit more in a blog post today. I believe that there are some basic truths that can guide us in discerning whether a particular opportunity is a blessing or a distraction:
- Opportunities Come From One of Two Sources – They either come from the hand of God, in which case they are a blessing, or they come from His enemy to distract us. There are no other sources. Either it is something that God is bringing into your life as a blessing to you and/or others, or it is something being brought to steal attention away from that which God would really have you focus on. There are no other sources, no neutral or in-between options. It’s either from God or against Him.
- God Has A Definite Opinion – I believe that God cares deeply about how you respond to this particular opportunity. There is a thought I often hear in Christian circles that God doesn’t really care what particular opportunities we choose, as long as they honor Him. I could not disagree more. Scripture does not bear witness to a God that is distant or disinterested. It doesn’t describe a God who is only engaged in our lives at key points, with just a casual awareness of us most of the time. Instead, Scripture describes a God who comes to live in us – a God who cares deeply about everything from what we eat, what we wear, how we love, where we live, and every other little detail of our life. He cares about whether we seize or pass up this particular opportunity.
- The Fruit of the Tree Bears Witness to the Nature of the Tree – I believe that one of the greatest indicators of whether a particular opportunity is a blessing from God or a distraction from His enemy is the reaction within our own spirit. If an opportunity is coming from the Tree of Life, it will bear life-giving fruit in my life, even as I am discerning it. For me that manifests itself as a growing sense of excitement and enthusiasm about the opportunity. God gives me glimpses of my role and how He is going to use me. I can’t stop thinking about it. Yes, there is usually some fear and trepidation associated with it, but that is strongly overshadowed by my growing passion to be involved. If instead, the opportunity is coming from the twisted tree of distraction, it will bear life-draining fruit in my life, even as I am discerning it. For me, this manifests itself as a growing sense of dread. I can imagine some potential wins, but I’m not passionate about my personal involvement. I find myself motivated primarily by thoughts of “I should do this” rather than “I want to do this.” My growing discontent makes me want to run. I believe that God, living in us, helps us to have such strong emotions – positive or negative – to help lead us down the path He wants us to take. I believe this one of the primary ways He answers our prayers for clarity.
What opportunities are you facing right now and how are you internally responding to it?
Straining Towards What is Ahead (Pt 5)
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As Jeff Griffin pointed out during last weekend’s message, a runner in a race keeps his attention on the finish line. Doing otherwise could lead to disaster. In our walk with Christ, it is equally important that we focus our attention on the prize, which is growing closer to Him and becoming more like Him. Just like a runner, disastrous things can happen when we lose that focus. It is not surprising that the enemy so often uses the tactic of distraction to oppose us.
It seems that the enemy’s most effective means of distraction in my life are:
- Unexpected Problems – just when everything seems to be going so well, it seems like the bottom falls out. The dryer breaks down, the car engine light goes on, the kids get sick, and the dog eats the remote. I don’t know about you, but my eye are diverted from the prize to the urgency of solving the problems.
- Attractive Opportunities – sometimes distraction comes packaged as a killer chance to get involved with something or be positioned for some type of impact. The struggle with such opportunities is that they so often resemble a God-given open door.
- Heavy Responsibilities – Jesus tells us that His yoke is easy and His burden is light. Yet, so many of us are so weighed down with the heaviest of responsibilities. There are so many good things to involve ourselves in and dedicate ourselves to, and we keep adding and adding until we are almost crushed under the load.
Of course, straining past this deception involves the same activity as moving past the enemy’s deception, disconnection, and discouragement. We really do need to keep our focus solely on Christ.
“Not that I have already obtained all this, or have already been made perfect, but I press on to take hold of that for which Christ Jesus took hold of me. Brothers, I do not consider myself yet to have taken hold of it. But one thing I do: Forgetting what is behind and straining toward what is ahead, I press on toward the goal to win the prize for which God has called me heavenward in Christ Jesus.” - Philippians 3:12-14
Together, let us keep straining toward what is ahead.
Straining Towards What is Ahead (Pt 4)
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Whenever we attempt something that we perceive as difficult or demanding, our success is based largely upon our courage. Courage is the ability to press through, even when something is hard. We intuitively understand that difficult endeavors bring a certain degree of risk. Our personal degree of courage will often determine whether or not we will even attempt something that is tough.
Let’s face it, the journey of walking with Christ is not an easy one. It is full of perceived risks and we need all the courage we can to embark in earnest upon that journey. It’s not surprising, then, that one of the enemy’s most effective forms of opposition is discouragement. To discourage means to cause someone to lose confidence or enthusiasm (another way to say courage). And it makes a lot of sense that he would use this tactic. If the enemy can discourage us, we might stop ourselves from walking, without any further intervention needed.
The enemy uses two particular assertions in trying to discourage us:
- Change is Impossible – on one hand, we feel God prompting us to change certain areas of our life, to grow in particular ways to be more like Him. But the enemy seems to be lurking around just waiting to remind us that we’ve tried to change that area before and failed miserably. While we might argue that we’ve made progress, he is quick to point out that we’ve actually made pitifully little real progress. He’ll remind us of all the time and energy we’ve expended and he’ll soon have us asking what the point is in even trying. And even if we do try, there is that nagging feeling that we all know how this is really going to turn out (again).
- Excellence is Impossible – Sometimes we feel God calling us to big things, to make a big impact for Him in some way. But then there’s the enemy creeping around looking at what we’re doing and forever asking that condemning question, “Couldn’t you have done that better?” That’s such an unfair question, because the answer is always “Yes!” No matter how well we accomplished something, we could ALWAYS have done it better. The question is loaded in the first place. It makes us pause to take on something new, because if we aren’t excelling now, what is the point of taking on something else at which we won’t excel.
These assertions are so discouraging to us for two particular reasons. First, the enemy’s argument for each assertion contains some degree of truth. We have failed to make the kind of progress we desired. We have not always been as excellent as we would’ve hoped. The problem is that we make a quick mental leap that if any of the argument is true, the whole assertion must be true. Second, both of these assertions and the arguments that support them are effective at taking our eyes off God so that we can focus upon ourselves.
The most powerful thing we can do to combat the enemy’s discouragement is to focus all our attention on God. Answer his assertions with some of your own: Change is possible with God! Excellence is possible with God! God has all we need for all that He wants, including helping us to be more like Him.
Where do you feel like the enemy is trying to discourage you right now?
Next time: The last post in this series will about straining past the enemy’s use of distraction.