BBS Radio TV Station Streams

Saving With Steve with Steve Sexton

Student Loan Traps, Gig Economy Blind Spots and Buy Now, Pay Later Pitfalls with Stacey Black

Steve Sexton talks with BECU lead financial educator Stacey Black about the mistakes new graduates make with student loans, the hidden costs of gig work, and the real price of buy now, pay later plans, closing solo with a warning about Treasury yields and market diversification.

Welcoming Stacey Black To The Show
Steve Sexton opens the Saving with Steve Show by thanking his audience and introducing Stacey Black, BECU's lead financial educator, who has worked for the credit union for nearly thirty years and teaches thousands of people through webinars, seminars and in-person classes at Financial Reality Fairs. He lays out the hour's agenda: avoiding the mistakes new graduates make when taking out and repaying student loans, the pitfalls of working in the gig economy, and the real cost behind buy now, pay later plans. Black says the topics are right up her alley and that she loves talking about them. Sexton notes that many borrowers do not realize at the outset that a student loan must actually be repaid, often for twenty or thirty years, setting up a conversation about what people should weigh before signing for a loan and how that choice follows them long after graduation.

Choosing A Loan With The Future In Mind
Black urges listeners to research thoroughly before taking out a loan rather than fixating only on a career's eventual paycheck, since bonuses, benefits and realistic starting pay all shape what someone can actually afford to repay. Sexton shares listener emails, including a public-sector worker with roughly three hundred thousand dollars in loans earning about sixty-five thousand dollars a year, and families where a student attended a school costing eighty thousand dollars annually and ended up owing four hundred fifty thousand dollars at a high interest rate. Black agrees that passion for a career matters, but so does the ability to support oneself, noting people often expect to earn big money quickly when most professions start lower. Sexton adds that some parents report adult children returning home for years because student debt makes independent living unaffordable, reinforcing that the choice of degree and lender terms carries consequences long after the ceremony.

Budgeting Conversations Parents And Kids Avoid
Black advises parents to sit down with students before applying, mapping out projected income against real costs like housing, food, utilities, travel and retirement savings, even if parents feel unqualified and must research the fine print together. Sexton describes walking his own son through a hypothetical budget covering a mortgage-equivalent, health insurance, a car, an apartment, food and entertainment to show what a starting salary must actually cover alongside loan payments. He relays a lawyer's warning that children who have only ever seen mom and dad as the bank, upon receiving an inheritance, often buy an expensive car first and later face a tax bill they cannot pay. Black shares that she works with many students who ask only which job pays the most, without considering whether a dream career supports the lifestyle they expect, reinforcing that realistic planning, not just passion, should guide the decision.

Income-Driven Plans And Balloon Payments
Returning from a break, Sexton and Black turn to repayment mistakes, starting with building a realistic budget around take-home pay rather than gross salary, since taxes and deductions surprised even Black's own son when he first calculated his paycheck. Black recommends separate savings accounts for specific goals, describing how she saved monthly for a trip to Sweden the way she would budget for a bill. Sexton raises income-driven repayment and SAVE plans, where borrowers often choose the lowest monthly payment without realizing a large balloon payment can follow, sometimes around one hundred thousand dollars, forcing a costly refinance that cuts into retirement savings. Black says the big print giveth and the little print taketh away, urging families to read every option's fine print together and ask questions neither parent nor student would otherwise think to raise before signing anything.

Gig Economy Risks People Overlook
Shifting to the gig economy, Black explains that self-employed workers must plan for taxes, medical coverage and income swings that traditional employees rarely consider, sharing that her cousin, a gig worker bitten by a rattlesnake while on location, had no insurance and faced a bill running into hundreds of thousands of dollars for antivenom. She stresses keeping personal and business accounts separate, setting aside money from strong months to cover leaner ones, and understanding that gig workers pay both the employer and employee shares of Social Security taxes, effectively twelve percent. Sexton adds that many self-employed people keep paying an underperforming vendor out of loyalty rather than switching to save thousands, money that could instead fund retirement accounts like a SEP IRA or defined benefit plan. Both agree that retirement savings and insurance are the biggest blind spots gig workers overlook until a crisis forces the issue.

Buy Now Pay Later And A Market Warning
Black contrasts buy now, pay later plans with old-fashioned layaway, noting that today's buyer gets the item immediately while still paying in installments, often four payments with no stated interest, which makes overspending easy and can stack into multiple simultaneous plans. She warns that late fees, return policies and collections can hurt a credit score even though on-time payments rarely help build it, and encourages saving the installment amount in a separate account instead of borrowing. Sexton compares the tactic to car dealers steering buyers toward a monthly payment rather than the total price. Black closes by describing BECU as Washington State's largest credit union and the nation's fifth largest, offering free seminars at becu.org. Sexton then closes the show alone, warning that the ten-year Treasury yield climbing above five percent pressures stocks, and that popular funds like Vanguard's technology ETF carry an illusion of diversification with sixty-three percent concentrated in ten stocks.

Voices of Courage with Ken D Foster

Reinventing Your Identity, Breaking Subconscious Patterns, and Finding Courage with Niurka Hernandez

Host Ken D Foster welcomes longtime friend and mentor Niurka Hernandez, a former top Tony Robbins trainer, for a deep dive into how identity is built, how subconscious patterns keep people stuck, and how language, environment and courage can reinvent a life.

Who Are You Beneath the Story
Ken D Foster opens the show by asking listeners whether the person they have become still matches where their soul is calling them. He describes how old habits stop working and old identities fall away, then poses the deeper question of who is actually doing the reinventing. Foster explains that most people build an identity from a lifetime of beliefs, wounds, successes, failures, titles and opinions, calling that collection "me," yet underneath all of it sits an awareness that has witnessed every version of a person's life. He notes that the body changes, beliefs shift, relationships and circumstances evolve, but something inside still recognizes "I am still here." Foster ties this to neuroscience, explaining that repeated thoughts and actions carve grooves in the brain, and that setting a new intention begins carving new ones, which in turn attracts new people, places and circumstances that mirror the mind.

Introducing Niurka Hernandez
Foster introduces his guest, Niurka Hernandez, telling listeners she worked alongside him inside the Tony Robbins organization in the late 1990s and has since helped tens of thousands of people change their thinking and their identities. Hernandez recalls running away from home at fifteen in what she now calls a quest for freedom, truth and enlightenment, and describes becoming student body president of the largest community college in the country before joining Robbins's team, living in sixteen cities over five years and becoming his top corporate trainer. She says launching her own company in 2000 grew into twenty-six years of work, highlighted by a project with Fletcher Jones Motorcars, where asking seven hundred employees "who are we at our best" helped the dealership become the top-selling Mercedes-Benz dealer in the world and the number-two dealership of any make or model in the United States, by aligning personal and corporate values.

Inside Out, Not Outside In
Foster and Hernandez discuss how false identities built on cars, houses and accomplishments eventually collapse, leaving people asking who they really are once success fades. Hernandez says many clients construct identity from external cues such as social media rather than pausing to listen for what wants to emerge from within, invoking the Greek idea of entelechy, the acorn's impulse to become an oak, as a metaphor for tuning inward through stillness. Foster asks how she applied that principle inside a business with deadlines, managers and competing departments. Hernandez explains she refused to let Fletcher Jones post a values plaque from the top down; instead she guided every employee, including vendors, through an elicitation asking what mattered most to them personally, then showed how those individual values already matched the company's. Once people recognized their own values reflected in the organization, she says, alignment created an unstoppable team that began attracting talent and results rather than being told what to believe.

Updating the Software of Old Patterns
Foster raises Wayne Dyer's line that people can never get enough of what they do not want, and asks Hernandez how to help someone who chases pleasure or comfort instead of lasting success. She answers that chasing itself is not the problem; every pattern carries a higher positive intention, and tracing pleasure or comfort back far enough usually leads to freedom, choice and presence, at which point better ways to meet that need become possible. Discussing failed New Year's resolutions and subconscious grooves formed by repeated behavior, Hernandez says real change starts with simple awareness that a pattern exists, followed by a decision that something will shift. She then offers listeners a free gift, an interactive e-book at niurkainc.com/courage, outlining a seven-step process for moving from contracted states such as self-doubt and scarcity into expansive states of inspiration, courage and purposeful action, beginning with honestly naming where a person stands today.

The Power of Words and the Witness
Foster brings up the opening of Genesis, "In the beginning was the Word," connecting it to how language shapes rather than just describes experience. Hernandez agrees, pointing to her book, Supreme Influence: Change Your Life with the Power of the Language You Use, and explaining that both spoken words and private self-talk create a frame of mind that determines what possibilities a person can even perceive. She encourages listeners to get curious about their internal dialogue rather than police it, since many limiting thoughts formed in early childhood before conscious reasoning developed and may not even belong to the person carrying them. Foster connects this to empathic sensitivity, noting many listeners absorb moods and energy from rooms, people or even technology without realizing it. Together they describe the goal as becoming a curious witness rather than someone swept into the drama of news cycles or inherited narratives, staying present in what Hernandez calls the eternal now.

Environment, Courage and Faith
Foster describes how he and his wife, Judy, cleared their combined homes of objects that no longer reflected who they were becoming, keeping only what they both loved, and asks Hernandez how important environment is to transformation. She says environments both reflect and shape a person, and that clearing clutter connected to past relationships or old identities frees cognitive and emotional space for growth. Hernandez then recalls being nineteen, the only woman on Robbins's team, nicknamed "the kid" by Wall Street brokers, and repeating the mantra that with faith the size of a mustard seed she would move mountains. Foster, who met her then, recalls predicting she would outsell every man on the team, which she did. Closing the hour, Foster defines courage as an energy that only develops once someone steps into the unknown, and challenges listeners to do one uncomfortable thing this week, from a hard phone call to finally starting a book.

Tony Alamo

Teachings On Holiness, Romans Chapter One, And A Testimony From Wood River, Illinois

World pastor Tony Alamo preaches program number 292 of his series How to Have God's Life Living in You, teaching on holiness, the story of a young man named Bill Levi, and Romans chapter one, with a song from Felix Springman and a closing hymn from Spade Cooley.

Program 292 Opens With A Prayer Against Rome And Satan
World pastor Tony Alamo opens program number 292, part 190 of his series How to Have God's Life Living in You, telling listeners that Sharon will give four ways to request a free copy on tape or CD at the close of the hour. He previews a service built around music, testimonials, and Bible reading, then leads an extended opening prayer asking the Lord to anoint the broadcast and strengthen the church in the last days. Alamo prays for American soldiers in Iraq and in other wars he says are being secretly fought, and condemns what he calls the Rome-based cult and its one-world government and media for masking dictatorship as democracy and causing every evil on Earth. He asks that souls be saved and Satan's kingdom divided, insisting that believers are not a religion but salvationists continuing Christ's incarnation on Earth, and the congregation answers with a spoken amen.

Felix Springman Sings, And Alamo Teaches On Holiness
Alamo introduces singer Felix Springman's rendition of "Prepare Me One Body," explaining the song as a conversation between the Father and Jesus in heaven, with the Father asking for a blood-washed, spirit-filled body to preach that the kingdom of heaven is at hand. After the performance, Alamo returns to teaching that believers become holy only by staying close to the Lord and walking after the Spirit rather than the flesh, warning that a Christian without enough of God's spirit remains condemned by the flesh's desires. He turns to the subject of homosexuality, telling listeners it involves far more than two men having sex, promising to read the first chapter of Romans later in the hour to show what he calls its full nature. He insists homosexuality is a demonic condition rather than something God creates in a person, and that anyone, including homosexuals, can still be saved through being born again of the Spirit.

The Story Of Bill Levi And A Lawsuit's False Claim
Shifting to a real-world example, Alamo recalls a young man named Bill Levi who once carried a Bible insisting he only wanted a pure heart, whose parents were saved after hearing his testimony even though Levi had confessed to planning murder for hire before his conversion. Alamo says Levi's father, a sports editor at the New York Times, had him committed to a mental institution after threats against the family, and that Levi was genuinely saved for a time before falling back into drugs and homosexuality and turning against the church. He tells listeners that Levi later stood in a courtroom and falsely claimed Alamo kept two sets of financial books, a charge Alamo denies, saying he never worked in the office Levi described and that hundreds of witnesses could confirm it. Alamo uses the story to warn that "once saved, always saved" preaching is false, insisting he has watched many believers fall away over his decades of ministry.

Faith, Perseverance, And Staying Close To The Lord
Alamo builds an extended teaching on assurance, arguing that believers should expect the Lord's power daily rather than wondering whether they will remain faithful, since doubt itself amounts to calling God a liar. He cites Galatians chapter two, verse twenty, on living by the faith of the Son of God, and tells listeners that perfection is required to enter heaven, meaning total surrender rather than fear of holiness. Quoting Philippians chapter four, verse thirteen, "I can do all things through Christ, which strengtheneth me," Alamo says the Lord's strength is shown in weakness, mentioning his own legal blindness as proof that physical limitation does not prevent spiritual clarity. He insists that staying in prayer without ceasing keeps a believer immune to temptation, warning that a conscience not regularly convicted becomes seared and vulnerable to Satan, and closes the passage by urging listeners to believe that all things are possible for those who draw near to God.

A Testimonial Letter From Wood River, Illinois
With time running short, Alamo turns the broadcast over to Sharon for testimonials, starting with a letter signed Paul from Wood River, Illinois, who opens by joking about the name Alamo and "remembering the Alamo" before turning serious. The writer says he read the article Dry Bones in the St. Louis Post-Dispatch and now wants every publication the ministry offers, including the booklet Messiah, describing himself not as a lost soul but as a believer who wants to learn all he can before Jesus returns to what he calls a disgraceful world. Alamo responds that the man is simply trying to draw closer to the Lord so he can carry the Lord's power, noting that this broadcast is roughly the eighth or ninth message he has preached on knowing for certain that one carries the power of God, before telling Sharon it is time to move into the first chapter of Romans as promised earlier in the hour.

Romans Chapter One And A Closing Altar Call
Sharon reads Romans chapter one aloud from verse sixteen, and Alamo comments after nearly every verse, dwelling longest on the passage describing men and women who "burned in their lust one toward another" and calling the list that follows, including envy, murder, and deceit, a direct description of homosexuals and of unrighteous people generally. He argues that the United States government tolerates and even protects such behavior while threatening churches with the loss of tax-exempt status, blaming what he again calls a Rome-fashioned government for the trend. As the hour closes, Alamo leads a spoken sinner's prayer inviting Jesus into the heart to wash away sin, telling listeners that scripture guarantees salvation the moment they call on the Lord's name. Sharon then gives the ministry's website, its Texarkana, Texas post office box, phone number, and fax number for anyone requesting a free copy of program two hundred ninety-two, and the broadcast ends with a recording of Spade Cooley's "Steal Away to Jesus."

Aging Well With Pharmacist Ben

The Cell as the Root of Disease, Parkinson's, and a Caller's Synaptiv Story

Pharmacist Ben spends a solo hour making the case that every disease, from cancer to Parkinson's, is really a cellular problem rather than an organ problem, before producer Doug puts caller AJ on the air to describe how one dose of the supplement Synaptiv seemed to calm his father's shaking hands.

Opening Remarks and the Worldview Puzzle
Pharmacist Ben opens the show from his usual seat, giving out the call-in number 888-627-6008 and inviting listeners who enjoy his eclectic mix of philosophy, history, religion, chemistry and biology to join him on Zoom. He builds an extended metaphor comparing a listener's worldview to a jigsaw puzzle, arguing that every small insight that clicks into place delivers a hit of dopamine, the neurotransmitter he says drives people toward little daily wins like opening a pistachio or finishing the dishes. He quotes Jerry Garcia's line that the Grateful Dead are "like licorice," not for everyone but beloved by those who love it, and applies the same idea to his own niche audience. He mentions a mysterious listener who once mailed him a thumb drive containing years of his old daily radio programs, and says his real goal is to get everyone to love the cells of their own body as much as he does.

The Cell as the Root of All Disease
Ben argues there is strictly speaking no such thing as prostate, breast, skin or liver cancer, only prostate cell, breast cell, skin cell and liver cell cancer, insisting the distinction matters because modern medicine treats organs and tissues while ignoring the cell underneath. He walks through the word cytotoxic, explaining that the Latin root cyto- always means cell, and argues that statin drugs and beta-blockers are cytotoxic poisons a cell will never voluntarily absorb the way it eagerly takes up vitamin C. He describes the liver as an immigration checkpoint that vets every foreign, or "xeno," molecule entering the bloodstream, and claims pharmaceutical companies set doses well above what cells actually need because the body works to clear the drug out. For Ben, failing to see the cell as the nexus of health has built a medical industry whose interventions often weaken the very cells they are meant to help.

Cell Theory and the Rise of Drug Culture
Turning to history, Ben notes that cell theory is barely two hundred years old, emerging in the early nineteenth century once microscopy let scientists see that the body is built from countless invisible, self-organizing units rather than being one continuous mass. He says drug theory arose around the same time, pointing out that the very first medications, including aspirin, opium, morphine and heroin, were developed purely to relieve pain, a problem he calls almost unimaginable before modern pain relief existed. He recounts a friend traveling to India for cheap dental extractions who found pain medication largely unused there, describing teeth pulled with no relief at all. From that history Ben traces a line to today's drug culture, citing a figure that roughly sixty percent of Americans take at least one prescription drug, which he calls evidence of a system built to manage symptoms rather than heal the cells underneath them.

From Prokaryotes to Mitochondria
Ben marvels that a cell, a hundredth the size of a pinhead, contains six feet of coiled DNA, an internal skeleton and thousands of working parts, yet needs only food, oxygen and a clean place to function. He traces cellular evolution back three and a half billion years, describing primitive prokaryote cells, essentially bacteria that could only ferment sugar and form slimes, until roughly five hundred million years later they symbiotically merged with early mitochondria to form eukaryotes, the first cells capable of using oxygen. He frames this oxygen-driven "quantum combustion" as the same chemistry as a fire, calling the energy inside a mitochondrion comparable, relatively speaking, to bolts of lightning. He argues that sugar burns out the mitochondria, that calorie restriction and fasting protect them, and that this is exactly why every documented longevity study points to eating less as the clearest path to a longer life.

Parkinson's Disease as Cellular Inflammation
Ben shifts to Parkinson's disease, which he has researched and discussed with patients for years, describing it as inflammation localized to the substantia nigra, the brain's small, dark dopamine-producing region. He links dopamine to the pleasure of completing small tasks, joking about Bob Weir's remark that fame spoiled him because he stopped bothering with pistachios that are hard to open, and contrasts that with Parkinson's patients who cannot even lift a cup or button a shirt once that dopamine supply is damaged. He criticizes recent medical headlines describing low-dose radiation trials and brain stimulation studies at the Mayo Clinic, arguing such interventions ignore the underlying cellular dysfunction. Because a cell only needs food, oxygen and cleanliness to avoid inflammation, Ben insists much of Parkinson's is driven by nutritional deficiency and is, in many cases he has personally witnessed, reversible or at least mitigated through proper nutrition rather than pharmaceutical management.

AJ's Call About His Father's Tremor
With time running short, producer Doug tells Ben that caller AJ has been waiting on the line, and Ben brings him on to share a story about his father. AJ explains his dad is in and out of rehab with hands shaking so badly he cannot open a jar of mayonnaise, and that he normally refuses AJ's supplements entirely, including selenium and Youngevity's Rebound and Tangy. His father agreed to take only one pill of a product called Synaptiv instead of the recommended two, and by the next visit his shaking had visibly calmed. The two then discuss why people distrust family advice over a doctor's, with AJ comparing blind faith in physicians to believing in Santa Claus or the Wizard of Oz, and Ben citing the book "The Social Transformation of American Medicine" on how doctors gained their elevated status. Ben thanks AJ, closes the show, and signs off until Wednesday.

Prophecy in the Spotlight with Dan Goodwin

A Thief in the Night: What Jesus Really Meant About the Rapture's Secret Arrival

Dan Goodwin and co-host Charles Hiltibidal unpack the "thief in the night" language of First Thessalonians, walking through what it means for Christ to come without warning, unexpectedly, in secret, and with purpose, while also asking viewers to help cover property taxes on the studio building that houses the show.

Opening the Thief in the Night Study
Dan Goodwin opens Prophecy in the Spotlight by telling viewers he will tackle "A Thief in the Night," a theme he explored recently on a live stream that drew strong feedback. Before diving in, he and co-host Charles Hiltibidal, called Doc, pause to ask viewers for help with the building's property tax bill, now risen to about $1,250, noting the structure houses nearly all of the Prophecy in the Spotlight recordings as well as a guest apartment used for ministry. Goodwin recalls that the show grew out of his earlier hosting work on Prophecy in the News in Oklahoma, when Hiltibidal offered the building as a home base without yet knowing what the Lord intended for it. Goodwin asks callers to phone the on-screen number, specify the gift is for the building taxes, and reach either host directly if they wish to cover the full amount, expressing confidence that God's people will come through.

Reading First Thessalonians Five
Goodwin reads 1 Thessalonians chapter 5, verses 1 through 6, tying it back to chapter 4's description of the Lord descending with a shout, and lands on the phrase "the day of the Lord so cometh as a thief in the night." He tells Hiltibidal he was struck, while preparing the live stream, by a plain question: is Jesus actually a thief or a robber? Both agree the answer is no, and Hiltibidal explains that small words like "as" carry the weight of the verse, since Paul says Christ comes "as" a thief, not that He "is" one. Hiltibidal ties the device to Revelation's opening verse, which signals that signs and symbols, including the seven churches, run through the book, a principle he credits Goodwin with teaching him. Goodwin compares it to descriptions of Christ's hair being "like" wool rather than wool itself, insisting every word of scripture carries deliberate meaning.

A Thief Comes Without Warning
Goodwin begins listing qualities of a thief that illuminate the Rapture, starting with the fact that a thief gives no warning, never mailing a postcard announcing his arrival. Hiltibidal connects the image to Paul's letter to the Corinthians about being "changed" and to Jesus's Olivet Discourse, arguing the thief language describes how the event looks to the unsaved rather than to believers. Goodwin offers his familiar illustration of a preacher and his newspaper-racing neighbor, who finds the paper still on the porch one morning and gloats that he has finally beaten the preacher outside, not realizing the preacher was taken in the Rapture overnight. Hiltibidal adds that newspapers might pile up for days before anyone suspects something happened, and warns that scripture's talk of a coming "great delusion" suggests skeptics and scholars left behind will explain missing loved ones as alien abductions rather than face the truth of what occurred.

Unexpectedly, the Season, and the Trumpet
The hosts add unexpectedly to the list, agreeing that even believers who eat, drink, and sleep prophecy do not walk in constant awareness of Christ's imminent return. Hiltibidal admits that after sixty-five years believing and teaching the Rapture, accepting it intellectually is different from truly living prepared for it, a point the two discussed over breakfast. Turning to Matthew 24, Hiltibidal distinguishes knowing the "season," which Paul says believers can discern, from knowing the exact "day or hour," which Jesus said no man knows, suggesting Jesus spoke there from His position as Son of Man. The two also debate whether anyone besides heaven hears the Rapture's trumpet, with Hiltibidal pointing to Revelation chapter 4's door opened in heaven and a voice "as of a trumpet" saying "come up hither," comparing it to Paul's own private, unheard experience on the road to Damascus.

Secret, Unseen, and the Bridegroom
Goodwin adds that a thief works in secrecy and unseen, never advertising the crime or breaking in during daylight with witnesses watching, and Hiltibidal agrees this fits Jesus's statement that no man knows the day or hour. Goodwin notes believers will be changed "in a moment, in the twinkling of an eye" per 1 Corinthians 15, without even touching the earth, and both dismiss mid-tribulation and post-tribulation timing as forcing puzzle pieces that do not fit, since Christ's visible Second Coming, when "every eye shall see him," cannot be secret the way the Rapture is. Hiltibidal develops the bridegroom imagery from Jewish wedding custom, explaining the groom, after his father declares preparations complete, does not enter the bride's house himself but sends someone to call her out, which he identifies as the Holy Spirit's role in catching believers up to meet Christ in the air, rejecting the idea that Hollywood romance has distorted the picture.

Purpose, Lot's Judgment, and a Closing Call
Finally, the hosts note a thief comes with purpose, intending to take something specific, which Goodwin ties back to the sleeping preacher taken rather than merely overslept. Goodwin reads Luke 17, observing that judgment on Sodom began the very day Lot was removed, not before, arguing by analogy that the Tribulation's wrath begins only after believers are removed from earth, since Christ's death on Calvary already judged their sin and any remaining chastisement serves correction rather than punishment. Hiltibidal affirms the point, and the pair close the hour acknowledging they are out of time to also cover the "day of the Lord" as a broader span rather than a single moment. Goodwin ends by asking viewers directly whether they are ready for this thief to come unexpectedly, in secret, and unseen, urging anyone unsaved or unsure of their standing with God to contact the show, and signing off telling viewers to keep their eyes on the skies.