How To Manage Your Money Larry Burkett

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  how to manage your money larry burkett: How to Manage Your Money Larry Burkett, 2002-02 People often try managing their money apart from God's plan. Bad plan. Until people have an attitude change about money, it will continue to control and confuse them. How to Manage Your Money is an excellent tool to get readers on track toward a liberated financial life. This newly repackaged bestseller contains updated material and a step-by-step, in-depth study of God's principles for money management.
  how to manage your money larry burkett: Personal Finances Larry Burkett, 1998-08-01 Do I really need a budget? How can I get out of debt? Should I give my kids an allowance? Should Christians lend money and charge interest? These questions and many others were often asked of respected Christian financial counselor Larry Burkett. To answer them in a direct and brief way and help you discover the way to financial wisdom, Larry wrote Personal Finances. To build a sturdy house, a builder needs a blueprint. To find his way, a traveler needs a map. And to manage your finances correctly, you need a budget. Without a plan, the house will collapse, the traveler will get lost, and your finances will eventually fail. Get on board with the basics of wise financial planning. From the youngest member of your family to the oldest, budgeting should accompany income. Learn how to create a budget and what it takes to stick with it in Personal Finances.
  how to manage your money larry burkett: The Burkett & Blue Definitive Guide to Securing Wealth to Last Larry Burkett, Ron Blue, Jeremy White, 2003-10-01 With combined sales over the past twenty years of almost twelve million books, the two most revered and trusted names in Christian finance have teamed up to create THE book for building your solid financial future. Wealth to Last will equip readers with the knowledge, financial tools, and wisdom needed to ensure their fiscal well-being in the second half of life. In doing so, they will be better positioned to bless those generations that follow them with a legacy of stewardship and resources. Larry Burkett and Ron Blue, the primary trailblazers and leaders in Christian financial teaching, provide definitive direction and empowered confidence in building a financial portfolio that will provide for your family and help you to honor God.
  how to manage your money larry burkett: Money Matters Larry Burkett, 2001-09-30 One of America's foremost authorities on financial stewardship, Larry Burkett presents a comprehensive resource in Money Matters. Indexed for easy use, Burkett offers concise answers to the most frequently asked questions from his national radio show. Drawing from over thirty years of Bible and finance study, Burkett provides principles for managing your money in a number of categories, including: housing and automobiles, retirement, budgeting, taxes, business issues and insurance, debt and credit, giving, investments, family and money issues. Money Matters isn't just for those in need of financial Rx. It's an ideal resource for anyone desiring to align finances with Biblical principles.
  how to manage your money larry burkett: Using Your Money Wisely Larry Burkett, 1990-06-12 Nearly 80 percent of all divorced couples between the ages of 20 and 30 list financial difficulties as the primary cause of their separation. Even some of the most dedicated Christians are facing the perils of bankruptcy and overextended credit. We are seeing just some of the effects of living in a materialistic society. Larry Burkett, renowned for his Christian Financial Concepts ministry, dedicated himself to helping people understand what the Scripture says about finances. Through a series of outstanding articles taken from CFC newsletters, Using Your Money Wisely clearly demonstrates God’s principles for prudent money management
  how to manage your money larry burkett: Starting Out Right Larry Burkett, 2015-10-01 Money doesn’t have to hurt your marriage. If you and your spouse are newly married, you probably have a lot of questions about how to make, spend, and invest money. Financial expert Larry Burkett can help you avoid the financial pitfalls many young couples encounter. In this highly practical guide, he helps you: Understand how God uses money in a marriage Make wise choices about credit cards Design a budget that you both like Stop bad habits before they start Teach your children about finances Decide what type of investments are right for you … and much more. Starting Out Right offers solid biblical direction and time-tested advice to help you make wise financial choices that will last a lifetime.
  how to manage your money larry burkett: Preparing for Retirement Larry Burkett, 1995-07 Respected financial counselor Burkett developed this manual to serve as a guide for those who are retired or who are preparing for retirement. Although his primary focus in on the financial aspects of retirement--social security, investments, paying off mortgages, medical care, and nursing homes--Burkett also covers emotional issues people often face when the retirement approaches.
  how to manage your money larry burkett: MONEY MANAGEMENT FOR COLLEGE STUDENTS. LARRY. BURKETT, 1998
  how to manage your money larry burkett: Every Single Cent Larry Burkett, Brenda Armstrong, 1999 This step-by-step guide provides Larry Burkett's trusted teaching for those who are missed by most budgeting materials--single adults--and addresses their specific needs.
  how to manage your money larry burkett: Financial Parenting Larry Burkett, Rick Osborne, 1996 With chapters on stewardship, giving, borrowing and lending, saving and budgeting, this resource includes lots of activities and interactive questions with each chapter. Perfect for children ages 5 and up.
  how to manage your money larry burkett: Your Finances in Changing Times (4 Video Tapes). Larry Burkett, 2021
  how to manage your money larry burkett: Money Matters for Teens Larry Burkett, 2001-01-15 Provides a basic understanding of the purpose of money and explains stewardship, money, attitude, planning, banking, spending, careers, and more by using the Bible as the plan.
  how to manage your money larry burkett: Debt Free Living , With an in-depth analysis of the American economy, Neil McHugh offers a thorough evaluation into this all too common cause of stress - Debt Before we can dig ourselves out of this dark and unpredictable hole, we must first understand what exactly is causing it. When we evaluate ourselves and our way of living, we can truly begin to understand the primary factors which weigh us down and restrict us from living a stable and essentially happy life. YOU CAN BECOME DEBT FREE! -This book will show you how.
  how to manage your money larry burkett: The Illuminati Larry Burkett, 2004-10-04 From before the time of Christ, there have been rumors of a secret society called The Illuminati...a vicious tribe of Druids with mystical, supernatural powers. Many saw them as demons or gods. Those who opposed them simply disappeared...or met an even worse fate. Unknown to all but the very few, this group slowly infiltrated world organizations and financial institutions with a singular goal--to control the world's economic system. Now fast-forward to the year 2020. The Illuminati has succeeded in placing one of their people in the office of the presidency of the United States. With the worldwide launch of a financial system known as Data-Net, they suddenly have the power to single out groups of people and control their money, fuel, and food supply. How do you escape an unknown enemy operating at the highest levels who can track your every move? And how do you defeat a society that practices ancient rituals and appears to have power beyond the grave? The Illuminati is a futuristic thriller tied to ancient mysticism that will appeal to fans of The DaVinci Code and the Left Behind series. It will also leave readers wondering where fact ends and fiction begins.
  how to manage your money larry burkett: Managing God's Money Randy Alcorn, 2011 Jesus says more about how we are to view and handle money and possessions than about any other topic--including both heaven and hell. Alcorn breaks down exactly what the Bible has to say about how we are to handle our money and possessions in a simple, easy-to-follow format.
  how to manage your money larry burkett: Money Matters Workbook for Teens (Ages 11-14) Larry Burkett, 1998-03-09 Gives helpful forms and information to teach 11-14 year olds how to reconcile a checking account, save money, borrow money, and more. Written from a Christian perspective.
  how to manage your money larry burkett: Giving and Tithing Larry Burkett, 1998 Giving and tithing--something that concerns everyone Does God need your money? What is a tithe? Should you tithe from your net or your gross? Why give to the church? How can you know which organizations to support? Although it is better to give than to receive, giving is harder for most people. Giving is not only good stewardship; it enables the church to help those in need. Respected Christian financial expert Larry Burkett uses God's Word to show the strong biblical basis for giving to and serving in the church. Using benevolence ministries as an example, Burkett explains how God uses Christians to minister in His name. This is accomplished by giving back to God a portion of what He has graciously given to us.
  how to manage your money larry burkett: The Coming Economic Earthquake Larry Burkett, 1991 Finance/Career.
  how to manage your money larry burkett: Get a Grip on Your Money - Student Text Larry Burkett, 1990-02 In The Coming Economic Earthquake (Moody Press, Chicago, I11. * 1991), Burkett delineated growing federal deficits and the ever increasing use of debt by business and households out of control. Burkett points out those severe economic times will appear sometime shortly after the millennium unless current polices are changed. Burkett believed that Keynesian economic policies, with ideals for continuing federal deficits and the implicit preference for higher levels of credit and consumption, reduced saving, and a larger role for government in the economy are a means to disaster. As Burkett states in the book that as interest on the debt consumes a larger and larger portion of the yearly federal budget, and more money is borrowed each year to pay the interest on what was borrowed in previous years, there will be a temptation to monetize the debt at an increasing rate leading to a calamity not seen since the Great Depression. Burkett questioned whether or not elected leaders would take action in time to prevent fiscal chaos, and believed they would not. Larry gave no time-line for this prediction, other than a forewarning, foreshadowing current events of the time, with a little common sense added for good measure.
  how to manage your money larry burkett: God's Creative Power Finances Charles Capps, 2009-08-27 You know Jesus died for your sins, sickness, and death, but did you also know He crucified and was resurrected so that you could prosper? God's Creative Power for Finances by Charles Capps provides clear Bible teaching and reveals God's promises regarding His will for your finances. Learn to use the authority of God and the promises in His Word to change your financial situation. This pocket size book will teach you the principals of sowing and reaping, faith, and spiritual authority. God wants the best for His children; He doesn't want you to lack, but desires you to prosper in every area.
  how to manage your money larry burkett: How to Manage Your Money Workbook Larry Burkett, 2000 A newly repackaged best-seller, How to Manage Your Money, is an excellent tool to get readers on track toward a liberated financial life.
  how to manage your money larry burkett: Sound Mind Investing Austin Pryor, 2000 Many excellent books teach God's principles of finance. Perhaps they have helped you lay a strong biblical foundation for carrying out your money management responsibilities. But as you try to apply those principles to real-life investing decisions, it's easy to feel overwhelmed by jargon and the sheer number of possibilities.Sound Mind Investing is a next step guide that helps you put Godly principles of finance in motion. Whether you're a beginner or an experienced investor, you'll benefit from stepping across this bridge between theory and action. Each lesson is written in everyday English and filled with helpful visual aids. This book can help you chart your financial future by using the same concepts that have made Austin's newsletter America's best-selling investment newsletter written from a biblical perspective. Whether you invest a little or a lot, these biblical principles apply to you.
  how to manage your money larry burkett: The Truth about Money Lies Russ Crosson, Kelly Talamo, 2012 As long as we can make our payments, we're okay ... aren't we? To answer this and other provocative questions relating to your money, financial expert Russ Crosson teams up with gifted communicator Kelly Talamo to expose the common lies people believe about money. Through the use of everyday stories about men and women wrestling with financial decisions just like the ones we all make, Russ and Kelly refute these lies by revealing what the Bible says is the truth about money. Included are subtle lies that permeate out culture: we can't afford to give to our church or charity; what we do with our money is our own business; the more we have, the happier we'll be; my talents and abilities have produced my wealth; I can get rich quick.--Jacket.
  how to manage your money larry burkett: Splitting Heirs Ron Blue, 2008 An authority on personal and business finance helps readers identify exactly how much money would be transferred were the reader to die today; the need for creating a will; tax-wise financial planning; and teach the way to leave money without creating an unhealthy dependence.
  how to manage your money larry burkett: Financial Peace Revisited Dave Ramsey, 2002-12-30 With the help of a #1 New York Times bestselling author and finance expert, set your finances right with these updated tactics and practices Dave Ramsey knows what it's like to have it all. By age twenty-six, he had established a four-million-dollar real estate portfolio, only to lose it by age thirty. He has since rebuilt his financial life and, through his workshops and his New York Times business bestsellers Financial Peace and More than Enough, he has helped hundreds of thousands of people to understand the forces behind their financial distress and how to set things right-financially, emotionally, and spiritually. In this new edition of Financial Peace, Ramsey has updated his tactics and philosophy to show even more readers: • how to get out of debt and stay out • the KISS rule of investing—Keep It Simple, Stupid • how to use the principle of contentment to guide financial decision making • how the flow of money can revolutionize relationships With practical and easy to follow methods and personal anecdotes, Financial Peace is the road map to personal control, financial security, a new, vital family dynamic, and lifetime peace.
  how to manage your money larry burkett: Money, Possessions, and Eternity Randy Alcorn, 2011-11-15 Who wants to settle for fleeting treasures on earth . . . when God offers everlasting treasures in heaven? It’s time to rethink our perspectives on money and possessions. In this thoroughly researched classic, Randy Alcorn shows us how to view these things accurately—as God’s provision for our good, the good of others, and his glory. Alcorn presents a biblical and comprehensive view of money and possessions, including the following: Why is money so important to God? Is prosperity theology right or wrong? How can we be liberated from materialism? What should we do about debt? How much does God want us to give? How can we best help the poor and reach the lost? What about gambling? Investing? Insurance? Saving? Retirement? Inheritance? How can we leave our children a true heritage? How can we use money in ways that God rewards? This practical and refreshing theology of money contains topical and Scripture indexes, a study guide, and five helpful appendices.
  how to manage your money larry burkett: Your Money Counts Howard Dayton, Dayton, Jr, 1997-03 In Your Money Counts you will learn that the Bible has a lot to say about money; there are, in fact, over 2,350 verses that address everything you need to know about handling money, Indeed, the Bible is a blueprint for managing your finances.Not only is Your Money Counts practical, but in it you will discover the profound impact handling money has on your relationship with God.
  how to manage your money larry burkett: The Total Money Makeover Dave Ramsey, 2009-12-29 The success stories speak for themselves in this book from money maestro Dave Ramsey. Instead of promising the normal dose of quick fixes, Ramsey offers a bold, no-nonsense approach to money matters, providing not only the how-to but also a grounded and uplifting hope for getting out of debt and achieving total financial health. Ramsey debunks the many myths of money (exposing the dangers of cash advance, rent-to-own, debt consolidation) and attacks the illusions and downright deceptions of the American dream, which encourages nothing but overspending and massive amounts of debt. Don't even consider keeping up with the Joneses, Ramsey declares in his typically candid style. They're broke! The Total Money Makeover isn't theory. It works every single time. It works because it is simple. It works because it gets to the heart of the money problems: you. This 3rd edition of The Total Money Makeover includes a fresh cover design, all new personal success stories, and naysayers, and more.
  how to manage your money larry burkett: Raising Financially Confident Kids Mary Hunt, 2012-08-01 It's natural to want your kids to have a secure future. But when it comes to teaching the next generation how to handle money, parents are failing. Still there is hope! Financial expert Mary Hunt shows parents how to raise kids who have a healthy relationship with money--even if the parents themselves have made financial mistakes along the way or are struggling financially right now. Drawing from solid statistics and her own hard-won knowledge and experience, Hunt helps parents protect their children from the financial pitfalls of easy credit, an attitude of entitlement, and our culture's chummy relationship with debt. From preschool through the teen years, every stage of a child's development is covered, including how to talk to them about money, how to help them start saving money and giving it away, and how to manage money wisely.
  how to manage your money larry burkett: Money Matters for Kids Larry Burkett, Lauree Burkett, 1997 Financial teacher and author Larry Burkett provides fun, creative tools to help children understand and apply the biblical concept of stewardship. Jokes, puzzles, and other fun activities and exercises make children ages 6-12 want to learn what God says about money.
  how to manage your money larry burkett: The 21-day Financial Fast Michelle Singletary, 2014 Financial Peace and Freedom in 21 Days In The 21-Day Financial Fast, award-winning writer and The Washington Post columnist Michelle Singletary proposes a field-tested financial challenge. For twenty-one days, participants will put away their credit cards and buy only the barest essentials. With Michelle's guidance during this three-week financial fast, you will discover how to: Break bad spending habits Plot a course to become debt-free with the Debt Dash Plan Avoid the temptation of overspending for college Learn how to prepare elderly relatives and yourself for future long-term care expenses Be prepared for any contingency with a Life Happens Fund Stop worrying about money and find the priceless power of financial peace As you discover practical ways to achieve financial freedom, you'll experience what it truly means to live a life of financial peace and prosperity. Thousands of individuals have participated in the fast and as a result have gotten out of debt and become better managers of their money and finances. The 21-Day Financial Fast is great for earners at any income-level or stage of life, whether you are living paycheck-to-paycheck or just trying to make smarter financial choices.
  how to manage your money larry burkett: How Our Car Works Ed Strauss, Larry Burkett, 2002 Cars are an everyday part of kids' lives and — but how much do they know about the vehicle that brings them to school and church and playground? How Our Car Works engages kids with its delightful poetry while teaching them the basics about automobiles: from mechanics to maintenance, security to conveniences, road laws to types of cars. Your kids will enjoy the book while you enjoy watching them become the careful stewards of this part of God and ’s world that is so relevant to them. Larry Burkett's Stewardship for the Family and ™ provides the practical tips and tools that children and parents need to understand biblical principles of stewardship. Its goal is Teaching Kids to Manage God's Gifts-Time, Talents and Treasures. Stewardship for the Familymaterials are adapted from the works of best-selling author on business and personal finances, Larry Burkett. Larry, who passed away in 2003, was the author of more than 60 books and hosted the radio programs Money Matters and How to Manage Your Money, aired on more than 1,100 outlets worldwide. Larry's work is being carried on by his son, L. Allen Burkett, Jr. Visit their website at www.mm4kids.org .
  how to manage your money larry burkett: How to Manage Your Money Larry Burkett, 1990 This is an in-depth study of God's principles for money management--how to make it, spend it, save it, invest it, and share it. In the form of a practical workbook, it is designed for use in group or individual study, church training seminars, and home and family workshops.
  how to manage your money larry burkett: How to Manage Your Money Larry Burkett, 1982 Money: either you manage it correctly, or you succumb to its chains. But as a Christian you have an advantage. If you live by the Bible's precepts for life -- including the use of money -- God will bless you with contentment. He promises to meet your every need. He may even bless you with a surplus to invest for his glory! How to Manage Your Money is designed to get you on track toward a liberated financial life. It is not a dry, complex textbook. Instead, Larry Burkett takes you on a step-by-step adventure toward your financial goals and into a new dimension of loving trust in your all-wise God. - Back cover.
  how to manage your money larry burkett: How To Manage Your Money Robert Kline, 2012-10-01 Managing money is never an easy job. Many people in America are drowning in a sea of red ink and financial mismanagement. That's why everyone needs a sensible and flexible budget plan. You need to know what money is coming in and where the money is going to. Am I saving enough for retirement? How will I pay for my kid's college? Am I living within my financial means? These are some of the question's you must ask yourself. A Financial Budget Plan is like a Road Map to help you get to your proper destination-financial stability and financial security. This book, How to Manage Your Money has been designed to help you achieve these financial goals. Take that important step NOW toward getting out of debt and financial troubles and getting into financial freedom.
  how to manage your money larry burkett: 30 Biblical Principles For Managing Your Money Rich Brott, 2008 Becoming successful at managing your money begins with a commitment to follow biblical principles. In doing so, certain areas of your life must be confronted in an honest, open and accurate manner. You must confront the following areas: A. spiritual B. attitudinal C. habitual D. practical E. personal Addressing only selective areas of your financial life will not bring you to a place of success. You must be willing to tackle each area and come face to face with the clear reality of your past decisions. This means developing a new determination to change past spiritual decisions and the adopting of new biblical attitudes toward the management of your money. Only you can make a difference in your financial life. You can be successful at managing your money if you will begin to follow these 30 biblical principles. Author Rich Brott shows you how.
  how to manage your money larry burkett: Best Ht Mnge Money Cass Carroll, Larry Burkett, 2000-07-01
  how to manage your money larry burkett: Basic Principles for Maximizing Your Cash Flow - 7 Steps to Financial Freedom! Rich Brott, 2007-07 Everyone wants to maximize their personal cash flow. Everyone wishes to become financially independent. Everyone desires the ultimate financial freedom. So what's the secret to living a better, fuller, freeing life? In this book, Rich Brott shows you just how to do so. If you are going to maximize your personal cash flow, you must know that it cannot be done without financial accountability. But it is possible that you can be a responsible person and you can become financially accountable for every decision you make. You can develop habits that will insure financial success, regardless of how much or how little your income is. Many people earn very little over a lifetime, yet manage to save enough for a debt free and secure retirement. The book outlines 7 major principles that must find a place in your life. Read the book, and find your way to financial freedom.
  how to manage your money larry burkett: Your Money After the Big 5-0 Ron Blue, Larry Burkett, Jeremy White, 2007 Easy-to-understand topics addressed here include the Uncertain Economy, Tax-wise investing, diversification strategies, husband/wife decision making, Etc.
  how to manage your money larry burkett: Biblical Principles for Becoming Debt Free Rich Brott, Frank Damazio, 2008-05 Break free from financial bondage! Biblical Principles for Becoming Debt Free's step-by-step approach will show you how, while laying a foundation of biblical understanding regarding the stewardship of your resources. Rescue your life and liberate your future! Endorsed by: Dr. Jack Hayford; Dr. C. Peter Wagner; Ted Haggard; Christine Caine of Hillsong Austrailia; Ron Blue president of Christian Financial Professionals Network; Chen Hui-Lin of Campus Crusade Asia; Karen Minnis, Speaker of the House -Oregon House of Representatives; Bill Greig III, President Gospel Light Publishing; Dr. Barbara Wentroble; Marilyn Hickey; Dick Iverson, Founder/Chairman Ministers Fellowship International
MANAGE Definition & Meaning - Merriam-Webster
The meaning of MANAGE is to handle or direct with a degree of skill. How to use manage in a sentence. Synonym Discussion of Manage.

MANAGE | English meaning - Cambridge Dictionary
MANAGE definition: 1. to succeed in doing or dealing with something, especially something difficult: 2. to succeed in…. Learn more.

1014 Synonyms & Antonyms for MANAGE - Thesaurus.com
Find 1014 different ways to say MANAGE, along with antonyms, related words, and example sentences at Thesaurus.com.

MANAGE Definition & Meaning | Dictionary.com
Manage definition: to bring about or succeed in accomplishing, sometimes despite difficulty or hardship.. See examples of MANAGE used in a sentence.

Manage - definition of manage by The Free Dictionary
1. (also intr) to be in charge (of); administer: to manage one's affairs; to manage a shop. 2. to succeed in being able (to do something) despite obstacles; contrive: did you manage to go to …

What does Manage mean? - Definitions.net
What does Manage mean? This dictionary definitions page includes all the possible meanings, example usage and translations of the word Manage. "Who is overseeing this project?" The …

manage - WordReference.com Dictionary of English
to take charge or care of: to manage my investments. to dominate or influence (a person) by tact, flattery, or artifice: He manages the child with exemplary skill. to handle, direct, govern, or …

Manage - Definition, Meaning & Synonyms - Vocabulary.com
To manage is to skillfully handle something. If you can barely manage to keep your goldfish alive, you should probably think twice about adopting those Golden Retriever puppies. The verb …

Manage Definition & Meaning - YourDictionary
Manage definition: To succeed in accomplishing, achieving, or producing, especially with difficulty.

manage verb - Definition, pictures, pronunciation and usage notes ...
Definition of manage verb from the Oxford Advanced Learner's Dictionary. [transitive, intransitive] manage (something) to control or be in charge of a business, a team, an organization, land, …

MANAGE Definition & Meaning - Merriam-Webster
The meaning of MANAGE is to handle or direct with a degree of skill. How to use manage in a sentence. Synonym Discussion of Manage.

MANAGE | English meaning - Cambridge Dictionary
MANAGE definition: 1. to succeed in doing or dealing with something, especially something difficult: 2. to succeed in…. Learn more.

1014 Synonyms & Antonyms for MANAGE - Thesaurus.com
Find 1014 different ways to say MANAGE, along with antonyms, related words, and example sentences at Thesaurus.com.

MANAGE Definition & Meaning | Dictionary.com
Manage definition: to bring about or succeed in accomplishing, sometimes despite difficulty or hardship.. See examples of MANAGE used in a sentence.

Manage - definition of manage by The Free Dictionary
1. (also intr) to be in charge (of); administer: to manage one's affairs; to manage a shop. 2. to succeed in being able (to do something) despite obstacles; contrive: did you manage to go to …

What does Manage mean? - Definitions.net
What does Manage mean? This dictionary definitions page includes all the possible meanings, example usage and translations of the word Manage. "Who is overseeing this project?" The act …

manage - WordReference.com Dictionary of English
to take charge or care of: to manage my investments. to dominate or influence (a person) by tact, flattery, or artifice: He manages the child with exemplary skill. to handle, direct, govern, or …

Manage - Definition, Meaning & Synonyms - Vocabulary.com
To manage is to skillfully handle something. If you can barely manage to keep your goldfish alive, you should probably think twice about adopting those Golden Retriever puppies. The verb …

Manage Definition & Meaning - YourDictionary
Manage definition: To succeed in accomplishing, achieving, or producing, especially with difficulty.

manage verb - Definition, pictures, pronunciation and usage notes ...
Definition of manage verb from the Oxford Advanced Learner's Dictionary. [transitive, intransitive] manage (something) to control or be in charge of a business, a team, an organization, land, …