Economy — Economy

Economy — Economy — Most viewed overall

• Capitalism: What It Is---and Isn't (Guest Post)

  

  Capitalism: What It Is---and Isn't (Guest Post) Economist/writer/professor/columnist/commentator Robert Reich put out a snippet from his upcoming book and it... Read more

  The 23 september 2015 by   Morage
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• More Right-Wing Lies - This Time About Income Inequality

  

  A few days ago, I brought you a post from Robert Reich (pictured) that exposed the right-wing's lies about poverty. Now, in an excellent post on his own blog,... Read more

  The 28 july 2015 by   Jobsanger
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• Plan Now To Reinvent Your Startup Before The Crisis

  

  You will be pivoting your business in your lifetime, whether you are a new startup, or a mature company like Motorola or IBM. You can count on it and plan for... Read more

  The 13 may 2015 by   Martin Zwilling
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• Family Travel Trends 2015

  

  It sure seems to me like 2015 is shaping up to be THE year of family travel. My social media feeds are a constant stream of beautiful images of families on... Read more

  The 11 april 2015 by   Sarah Fazendin
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• Laff(er)ing at Ted Cruz and His Ridiculous Flat Tax Proposal / End the IRS...

  So, now Ted Cruz joins past presidential candidate wanna-bees on the right in proposing a flat tax. Flat taxes have been proposed by most recently Herman Cain... Read more

  The 25 march 2015 by   Doggone
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• Will Crowdfunding Replace Angel And VC Investors?

  

  Even if you ignore all the hype around crowdfunding, there can be no doubt that it is a real alternative for entrepreneurs to achieve visibility and funding... Read more

  The 21 february 2015 by   Martin Zwilling
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• 2014 Year Wrap Up

  

  2014 will always hold special memories in my heart.I started off the year being pregnant and ringing in January by announcing to our family that our sweet baby... Read more

  The 09 january 2015 by   Megthamama
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• Race (And Racism) Rebounds As A Serious Issue In U.S.

  

  Only a fool would think this country has no race problems, but in the last few months several other problems have overshadowed race as the most serious problem... Read more

  The 20 december 2014 by   Jobsanger
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• Christmas Miracle Comes Early! Cardinal Pell Finds € Hundreds of Millions "Tucke...

  

  Christmas miracles have come early this year, it seems. As Gaia Planigiani reports for New York Times yesterday, Pope Francis's Vatican finance watchdog Cardina... Read more

  The 05 december 2014 by   William Lindsey
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• Welfare Hits Nine-year High Under De Blasio’s Leadership

  

  Elections have consequences. Heckuva job mayor! Any wonder why the voters disapprove of just about everything Mayor de Blasio is doing to improve the quality... Read more

  The 05 december 2015 by   Eowyn
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• Killer Arguments Against LVT, Not (366)

  From The Scotsman: That the council tax system badly needs to be overhauled or even replaced is not in doubt... The most progressive option is probably land... Read more

  The 07 august 2015 by   Markwadsworth
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• BOOK REVIEW: The Memorable Thoughts of Socrates by Xenophon

  

  The Memorable Thoughts of Socrates by Xenophon My rating: 4 of 5 stars Amazon page Xenophon gives us an alternative to Plato’s accounts of the lessons of... Read more

  The 20 april 2015 by   Berniegourley
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• Ten New Trends for Women Travelers

  

  Women are traveling more than they have ever before. Travel experts think that women represent the most important and fastest growing segment of the travel... Read more

  The 10 march 2015 by   Jamiedunham
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• Green and Affordable Structure Fits Three Families in One 28-Foot-Wide Lot

  

  Stroll down a number of streets inCapitol Hill, one of Seattle's most popular enclaves, and you'll encounter restaurants, cafes, shops, galleries, and myriad... Read more

  The 15 february 2015 by   Dwell
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• An Unholy Alliance: Syriza and the Far Right Anti-immigration Party

  

  This article was first published on Media Diversified (27th January 2015)A characteristic of Greek tragedies is that someone who has risen to a great height... Read more

  The 05 february 2015 by   Lesterjholloway
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• The Need for Better Childcare

  

  I know the childcare issue is not sexy. And I know that this post will not get a million views this week. But childcare is an essential issue for those of the... Read more

  The 25 january 2015 by   Paul Phillips
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• Are Student Loans a Good Alternative Investment?

  

  I was reading an interesting article in Money magazine today about a venture capital firm that is seeking out students with large amounts of student debt who ar... Read more

  The 12 january 2015 by   Smallivy
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• Happy Anniversary!

  Happy Anniversary to ME!  It’s my one year anniversary of becoming a vegetarian!  Technically it was January 1st because last January I decided to stop making... Read more

  The 03 january 2015 by   Hblack79
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• Thank Outside The Box With Gratitude

  

  What better way to welcome the New Year than with gratitude for all that we've got and gratitude for all that we're about to receive, because receive we... Read more

  The 31 december 2014 by   Vidyasury
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• Ted Cruz 10% Ahead Of Trump In Iowa Poll

  CNN reports that Ted Cruz has pulled ahead of Donald Trump by 10% in an Iowa poll.3 Candidates We’d Like To See Lead Iowa Next Those guys who lost their Iowa... Read more

  The 13 december 2015 by   Nottheworstnews
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• 8 Stunning Modern Bedrooms

  

  Argentinean materials, a roiling economy, and a pinch of personal tumult served as the recipe for furniture designer Alejandro Sticotti’s Buenos Aires oasis. Read more

  The 17 november 2015 by   Dwell
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• Juvenile Delinquents Are Now ‘Justice-Involved Youth’

  

  Silly liberals…changing the language doesn’t change reality. CNS News: They used to be called juvenile delinquents. But not any more. Read more

  The 06 november 2015 by   Eowyn
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• Abortion and Cuba’s Demographic Collapse

  

  This is a sobering, terrifying article. Cuba, a single-party Marxist-Leninist state since 1959, is officially secular or atheist, although 59% of the... Read more

  The 05 november 2015 by   Eowyn
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• Having the Maturity & Wisdom to Lead a $17 Trillion Economy?...Not Marco!

  By RF SchattenIn what appears to be an incredibly stupid debate tactic while committing an act of Political Hara-kiri...Jeb Bush got his head handed on a... Read more

  The 29 october 2015 by   Rfschatten
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• Further Proof and Reason Why the US Needs to Cut Its Defense Budget

  

  Our biggest military threat? China? This, from the New York Times, late last evening: China Pledges to Cut 300000 Troops From Its Massive Army BEIJING —... Read more

  The 03 september 2015 by   Morage
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• Sec. Vilsack Explains Why He Supports Hillary Clinton

  

  Secretary of Agriculture, and former governor of Iowa, Tom Vilsack (pictured) supports Hillary Clinton for president. He penned the following editorial on Augus... Read more

  The 28 august 2015 by   Jobsanger
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• Report: Digital.NYC Chief Named Chief Digital Officer of New York City

  Fast Company is reporting that New York City will Name Jessica Singleton as its Chief Digital Officer who is currently the city’s digital director. Read more

  The 07 june 2015 by   Worldwide
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• GOP Continues the War on Women, in New and Uglier Ways

  How the GOP, apparently, think babies arrive... This is in the larger context of state level anti-abortion legislation, as well as state level and federal... Read more

  The 16 may 2015 by   Doggone
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• The Real Champions League?

  

  Imagine a tournament where only the biggest names in European football would play, guaranteed admission despite their poor league season, assured of huge prize... Read more

  The 10 april 2015 by   Stuartnoel
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• The Slow Readers Club

  

  Well feted after the release of their debut album The Slow Readers Club now bring us their second offering Cavalcade with it's 12 tracks of indie pop infused... Read more

  The 30 march 2015 by   Mike Lindley
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• Groupon Has Coupons!

  

  I feel like I’ve been talking about Groupon forever. They launched right before I got my financial act together, and I spent more money than I had on things tha... Read more

  The 06 march 2015 by   Kathleen O'Malley
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• Strong 2015 Projected for Pre-Owned Truck Sales and Pricing

  

  Sometimes, saying goodbye can be hard. For the pre-owned vehicle industry, that would certainly be understandable when it comes to turning the page on 2014,... Read more

  The 16 february 2015 by   Ryderexchange
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• How to Invest a $50,000 Lump Sum.

  So somehow you ended up with a large sum of money, maybe $25,000, $50,000, $100,000 or even a quarter million dollars. Maybe you got an inheritance, cashed in... Read more

  The 16 february 2015 by   Smallivy
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• A Key Day in the Ukrainian Conflict?

  Excellent piece from the Saker.A Key Day in the Ukrainian Conflict?by Alexander MercourisThis may turn out to be a critical day in the evolution of the Ukrainia... Read more

  The 25 january 2015 by   Calvinthedog
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• Green Party Demands Justice In Five Critical Areas

  

  We have come a long way in this country -- but we still have a long way to go before establishing equal rights and equal justice for all American citizens. Read more

  The 08 december 2014 by   Jobsanger
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• Throwback Thursday: Column Dressing, Mini Skirts and Building a Boot Collection

  

  Welcome to another week of Throwback Thursday. Check out these posts from a year ago this week that I'm sure you'll still find helpful. Learn how you can... Read more

  The 05 november 2015 by   Bridgetteraes
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• Best Leisure and Holidays Destinations in Asia

  

  The leisure and tourism industry is one of the fastest growing industries in the world. It covers a whole spectrum of activities, from visiting a tourist... Read more

  The 26 august 2015 by   Vikasacharya
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• All’s Fair in Love and Currency War

  

  The Fog of (Currency) War[courtesy Google Images]The Washington Times “In a potentially major move for trade and relations with the U.S. Read more

  The 12 august 2015 by   Adask
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• Has the “Great Rotation” Just Started?

  

  Home > Stock Market > Has the "Great Rotation" just started? Has the "Great Rotation" just started? It looks like I was right to express doubts over... Read more

  The 13 may 2015 by   Andyepb
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• Ronald Reagan Won the Cold War About as Much as Harry Truman Won World War 2

  Whenever I confront my conservative friends about their hero, and the man they claim was the best President since World War II, it generally goes down two lines. Read more

  The 22 march 2015 by   Doggone
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• Americans Have Insurance but Can’t Afford to Use It

  

  Yahoo: Although more Americans have health insurance coverage, 25 percent of non-elderly Americans don’t have enough liquid assets to cover the deductible on... Read more

  The 14 march 2015 by   Eowyn
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• The Importance of Finances in Relationships

  In her Sunday column yesterday, Washington Post writer Michelle Singletary talks about her book pick of the month–The New Love Deal: Everything You Must Know... Read more

  The 02 february 2015 by   Datecoachtoni
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• Getting Started in “The Biz”: What You Need to Know About Music Publishing...

  

  You’ve got talent. Nobody doubts that. You can really play and sing and everybody is sure that you are talented enough to “go pro” and to “really make it. Read more

  The 23 december 2014 by   Audiocred
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• Miracle at the Higher Grounds Cafe by Max Lucado, with Candace Lee and Eric...

  

  Miracle at the Higher Grounds Cafe by Max Lucado Also by this author: Let the Journey Begin, Glory Days Published by Harper Collins on February 17th 2015 Genres... Read more

  The 18 november 2015 by   Debi Lantzer
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• Things You Need To Know This Week – October 17, 2015

  

  Here is the latest edition of “Things You Need To Know This Week.” Women Search More For Holiday Deals Than Men A research study from Epsilon asked Internet... Read more

  The 18 october 2015 by   Shellykramer
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• Leaders in Driverless Cars

  

  THE inquiring progressive mind, scanning Europe for new thinking on the left, would not instinctively turn to France. No eager throngs gather for debates at... Read more

  The 02 october 2015 by   Stizzard
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• 6 Challenges In Going Public Through The Backdoor

  

  With the uptick in the economy, as an active startup mentor, I’m seeing a new surge of entrepreneurs and startups, with the commensurate scramble for funding.... Read more

  The 15 june 2015 by   Martin Zwilling
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• Modern Monetary Theory and Land Value Tax

  Random left the following lengthy comment on Lola's post on why LVT is inevitable, tidied up as follows: Every pound of govt spending comes back as taxation. Read more

  The 19 april 2015 by   Markwadsworth
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• Bridezilla? Calm the Fuck Down.

  If I could be anything in the world like job wise there are two careers I would want to look into teaching and wedding planning. Read more

  The 17 april 2015 by   Monicasaidso
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• Angus Deaton is Nobel Laureate in Economics 2015

  

  Economics is complicated, confounding and interesting subject. Angus Deaton, a Princeton economist, has been awarded the Nobel Memorial Prize in Economic Scienc... Read more

  The 13 october 2015 by   Sampathkumar Sampath
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• SODA POP SOLDIER: And A Bunch of Other Books You Should Read NOW

  

  It's a funny thing: working as a full-time novelist makes finding time to read a little tricky. I write, edit and release 4-5 books per year, which means I'm... Read more

  The 28 september 2015 by   Selane
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• Research Reveals What Makes Brits Worry the Most

  

  Sensitive Brits are more worried about their popularity than getting a foot on the property ladder, a study has found. Almost three in ten admit to regularly... Read more

  The 29 july 2015 by   72point
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• 04.09.15 Theology, Theocracy & Ideology

  TheologyI’m an atheist. I’m quite certain there are myriad phenomena in the universe we can’t explain – and don’t even know about. I just don’t see how that... Read more

  The 10 april 2015 by   Keith Berner
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• Magical Solutions

  

  WPCA Tool“To regionalize is by far the best benefit for the taxpayers,” Harkins said.... Read more

  The 07 april 2015 by   Jezebel282
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• International Women’s Day Wrap-Up

  

  Last week, in celebration of International Women’s Day, the CIPE Development Blog focused on stories of women’s empowerment from around the world: Teodora... Read more

  The 16 march 2015 by   Center For International Private Enterprise
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• Asset-based Vs. Debt-based Economics

  

  One Difference Between Asset-based Money (Gold) and Debt-based Currency (paper dollars): SAVINGS[courtesy Google Images]It should come as no surprise to anyone... Read more

  The 23 february 2015 by   Adask
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• Your Child’s Higher Education – an Increasing Parental Concern

  

  Families are struggling to pay for the ever increasing costs of higher education. The increasing college costs and the loans they take for financing their... Read more

  The 02 january 2015 by   Upliftingfam
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• Top Reasons You Should Invest In An Apple Computer

  

  Roland TanglaoWe all know how much more expensive Apple computers can be compared to their Microsoft counterparts. However, there are many reasons machines... Read more

  The 15 december 2014 by   Geekasms
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• We Don’t Have a “Housing Crisis”.

  If there is one thing that unites everyone in the UK, it’s that we have a housing crisis. The reasoning behind this consensus goes something like this: a) Too... Read more

  The 06 december 2015 by   Markwadsworth
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• “Everything is So Fucking Difficult and So Fucking Beautiful,”

  

  In the Beginning Was the Sea, by Tomás González and translated by Frank Wynne The dream that somewhere out there is an existence which is somehow more real, mor... Read more

  The 19 october 2015 by   Pechorin
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• Mr Saakashvili Goes to Odessa

  

  IN THE spring of 2014, as the war in eastern Ukraine’s Donbas region was breaking out, deadly clashes wracked the elegant port city of Odessa. Read more

  The 29 september 2015 by   Stizzard
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• A Survivor’s Voice

  Help Send Me to D.C. to Address Lawmakers (Click link to donate) “Greetings! I am Stephanie, a survivor of child rape. I was molested at age 7 for the first... Read more

  The 26 july 2015 by   Technocowgirl
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• Evidence at Yesterday's Hearing Suggests That Jessica Garrison's $3.5-million...

  

  No final order was issued yesterday at a hearing on a motion to vacate a $3.5-million default judgment against me in the Jessica Medeiros Garrison defamation... Read more

  The 19 june 2015 by   Rogershuler
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• A Brief History of the Road to Iraqi Ruin

  

  by Jon Phillips When George Herbert Walker Bush and dozens of international partners collaborated to expel Iraq from Kuwait, the first Bush administration sough... Read more

  The 22 may 2015 by   Rvbadalam
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• Testy Tuesday – Strong Bounce Lines Indicate Bullish Move

  

  What an amazing recovery! Sure there was no volume and sure almost all the gains came at the open and sure there was a high-volume wave of last minute selling... Read more

  The 31 march 2015 by   Phil's Stock World
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• President Lucifer’s Net Grab

  

  When cyber attacks supposedly hit America’s defense systems, the president announced that we need to impose more control on the internet. His agenda to establis... Read more

  The 10 february 2015 by   Eowyn
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• What's the Greek for 'suckers'?

  So the ‘loony Leftie’, Alexis Tsipras, won the Greek election, just missing an absolute majority by only two seats but making the task of forming a coalition... Read more

  The 26 january 2015 by   Davidduff
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• Bucking Star

  

  Entitlement comes in many forms. Culturally we’ve been sensitized to substituting “holidays” for “Christmas,” although the reason we spend money at this time... Read more

  The 25 november 2015 by   Steveawiggins
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• The Hidden Victims of California’s Drought | VICE News

  “California is struggling through the fourth year of a historic drought. It has included the driest calendar year in the state’s history (2013), and the year... Read more

  The 05 september 2015 by   Garry Rogers
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• How Do Interest Rates Affect Bonds?

  After years of keeping rates at 0%, the Federal Reserve is talking about raising rates this year. Because the economy remains extremely weak, mainly due to... Read more

  The 02 september 2015 by   Smallivy
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• Book Review: “City of Death”, by James Goss

  

  “You’re a beautiful woman, probably.” – The Doctor, City of Death (1979)The Doctor Who story City of Death has quite a legacy. Read more

  The 20 august 2015 by   House Of Geekery
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• Vampires Of Wall Street Want To Prey On Us

  

  (This image is from content.time.com.) This excellent article is by Nobel Prize-winning economist Paul Krugman (pictured at left). Read more

  The 13 may 2015 by   Jobsanger
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• Conrad Egusa of Publicize: Changing the Way Startups Approach PR

  Publicize is a startup aiming to disrupt the PR industry. The company was founded by a former VentureBeat writer, when he realized that the PR industry's... Read more

  The 03 april 2015 by   Herby
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• Money Traps to Avoid Over the Holidays

  

  The holidays are almost upon us, and with them comes good food, good cheer and more than a little overspending as we rush about trying to find the perfect... Read more

  The 07 december 2015 by   Ncrimaldi
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• 21 Good Reasons To Go Green

  

  Why go green? Everywhere you go people are talking about going green and how it impacts the planet. From plastic bags to chemical products, people are trying... Read more

  The 22 october 2015 by   Rinkesh
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• 2,120 Tuesday – This Time is Different?

  

  Not the same as last Tuesday. Last Tuesday we were testing our lows and we were looking to see if the indexes could bounce back and bounce back they did, past... Read more

  The 23 june 2015 by   Phil's Stock World
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• Strengthening Economic Growth Through Public-Private Dialogue

  

  Fostering a strong competitive market requires the private and public sectors to understand each other’s needs. In any country, entrepreneurs look for ways to... Read more

  The 20 march 2015 by   Center For International Private Enterprise
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• Nigeria’s 2015 Elections: The Debates Must Go On

  

  Just over two weeks ago, Nigeria’s Independent National Electoral Commission (INEC) made the shocking (but not entirely surprising) decision to delay the... Read more

  The 25 february 2015 by   Center For International Private Enterprise
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• A Life, Replotted: Dressing the Part

  

  I used to have a closet full of dresses. Expensive dresses. I justified the investment (doesn't that sound better than splurge?) because not only were they... Read more

  The 18 february 2015 by   Wardrobeoxygen
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• The People’s Republic of France

  SHI writes:How do you view France’s 75% millionaire tax aimed at the super rich, sports athletes, celebrities and corporation elites – as part of Francois... Read more

  The 06 january 2015 by   Calvinthedog
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• Scapegoating the American Way

  I’ve got a new post up at 3 Quarks Daily, Free-Floating Anxiety, Teens, and Security Theatre. It continues with the same theme I explored in my previous 3QD... Read more

  The 16 december 2014 by   Bbenzon
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• Highland Fate by Victoria Zak @MyFamHrtBookRvw @VictoriaZak2

  

  BOOK INFORMATIONTITLE – Highland FateSERIES – Guardians of ScotlandAUTHOR – Victoria ZakGENRE – Historical Paranormal romance (Dragon Shifters)PUBLICATION DATE ... Read more

  The 23 november 2015 by   Lauriej
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• Is There An App For That?

  http://www.hbo.com/data/content/global/videos/embed/data/1427248.html?height=480 width=640 TrailerI watched with great interest, the documentary San Francisco 2. Read more

  The 03 october 2015 by   Tarbinator
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• Families Cope with College Expenses

  

  College tuition in the United States, one of the most expensive in the world, has increased an average of 50% in the past ten years, significantly affecting... Read more

  The 01 october 2015 by   Sandwichedboomers
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• Want to Save Money on Fuel? Drive Smart.

  

  How much do fuel costs affect your bottom line? For most, it is a top 3 expense, along with driver pay and equipment. Like any monster, it can—and must—be held... Read more

  The 06 august 2015 by   Ryderexchange
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• Greece At The Rubicon

  

  When the Euro was set up, they knew it was a fraught proposition, binding themselves to each other financially. The Germans in particular, fearful about giving... Read more

  The 07 july 2015 by   Fsrcoin
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• Japan: the Good, the Bad and the Rather Odd

  

  So what came to mind when you read the word ‘Japan’? Perhaps nuclear accidents? Or sushi? Economic has-been?Japan is worthy of more considered reflection. Read more

  The 02 june 2015 by   Xrematon
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• Wednesday: Japan GDP Not Strong Enough – Now What?

  

  Japan grew 0.6% in Q1. That's a 2.4% annualized growth rate but, of course, that's priced in Yen, which are down 14.8% since last year so, in fact, Japan's... Read more

  The 20 may 2015 by   Phil's Stock World
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• Ye Duniya Agar Mil Bhi Jaaye To Kya Hai !

  

  Ye Duniya Agar Mil Bhi Jaaye To Kya Hai is a famous song sung by Mohammad Rafi, written by Sahir Ludhianvi and music composed by S. D. Burman for Guru Dutt... Read more

  The 23 april 2015 by   Cifarshayar
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• The Criminalization of American Business

  

  When the future Gibbon chronicles America’s decline and fall, the war on business will feature prominently.Some readers will gag. That’s precisely the problem. Read more

  The 19 march 2015 by   Fsrcoin
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• Testy Tuesday – MSFT, CAT and PG. Paint a Poor Picture

  

  Big Misses! CAT's earnings are a grave concern as they are generally a good indicator of the Global Economy and the low demand for oil and other commodities... Read more

  The 27 january 2015 by   Phil's Stock World
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• 10 Keys To Success When Turning To Entrepreneurship

  

  As the economy recovers from some tough economic times, more and more people seem to be turning to entrepreneurship as an alternative to traditional employment. Read more

  The 28 december 2014 by   Martin Zwilling
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• Gift Guide for Children of the 80s

  

  Life in this modern age can be pretty sweet, but you know what it’s missing? Crimped hair, leg warmers, and racking up some serious debt on plastic Mall... Read more

  The 11 december 2014 by   Lil_white_whale
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• Austin Stone Worship Releases “This Glorious Grace” on October 16!

  

  AUSTIN STONE WORSHIP RELEASES THIS GLORIOUS GRACE OCT. 16 THROUGH THE FUEL MUSIC 70+ Songwriters, Worship Leaders, Musicians, Storytellers, Filmmakers,... Read more

  The 09 october 2015 by   Debi Lantzer
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• Like It Or Not, Hillary Clinton IS A Progressive

  

  (The photo above is from the website of ABC News.) Supporters of Bernie Sanders like to say that their candidate is a true progressive, while Hillary Clinton... Read more

  The 09 october 2015 by   Jobsanger
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• Dow Plunges 531 Points, Largest Weekly Loss Since 2008. Boomers Face Bleak Future

  

  Analysts have been predicting a crash in the stock market for days, if not weeks. Today, it happened. Since the last financial crisis of 2008, investors have... Read more

  The 22 august 2015 by   Eowyn
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• GOP Disappointed That Obama Has Failed To Fail

  

  Nobel Prize-winning economist and New York Times columnist Paul Krugman points out a fact that many of us have noticed. The GOP has been trying to convince... Read more

  The 12 august 2015 by   Jobsanger
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• Hillary Clinton Wows Democrats At Iowa Dinner

  

  (This caricature of Hillary Clinton is by DonkeyHotey.) Supporters of Bernie Sanders are justifiably proud of the large audiences he has been gathering, but... Read more

  The 22 july 2015 by   Jobsanger
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• Celebrating Ronald Coase’s Legacy with Practical Approaches to Economic Reform

  

  Marginal Revolution blogger and George Mason University Professor Tyler Cowen moderates a panel on the future of economic research, featuring Nobel laureate... Read more

  The 08 april 2015 by   Center For International Private Enterprise
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• The German State and the Church (with Father Ted)

  

  The Bavarian and I recently visited his hometown (well, village) to attend his nephew’s christening. During the service, he dug a sweet wrapper out of his coat... Read more

  The 18 december 2014 by   Berlinnotes
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