Markets


December 29, 2008: 7:55 am: adminMarkets

In recent times the most prominent public role for Peter Sutherland as chairman of BP PLC was hosting the company’s annual meeting. But after a string of oil spills, deadly accidents and an energy-trading scandal at BP, the 60-year-old former rugby player has charged head first into the scrum.

Last year, the Irish politician and banker forced Chief Executive John Browne to publicly identify his retirement date. After Lord Browne’s unanticipated decision last month to depart a year and a half earlier than previously planned, Mr. Sutherland must now buff BP’s image and manage the company’s first executive-suite transition in more than ten years.

Despite soaring oil prices its shares rose just 4.5 per cent in 2006, compared with a 36 per cent increase by Exxon Mobil Corp. and 15 per cent at Royal Dutch Shell PLC. Yesterday, the company reported 4th quarter net income decreased by 22 per cent, in part reflecting lower production and lower natural-gas prices.

BP, meanwhile, faces U.S. criminal probes on three fronts — corrosion and oil spills in Alaska; a March 2005 refinery blast that killed 15 in Texas; and its energy-trading practices, with federal officials alleging BP traders surreptitiously influenced propane markets in 2004. BP denies manipulating markets and says it is cooperating with investigators on all three inquiries.

Mr. Sutherland’s prominent public standing also underscores a trend that goes further than BP: a shift in the boardroom dynamics at many of Europe’s biggest publicly traded companies. The criticism is often leveled that nonexecutive directors leave too much of the decision making to the executives. In recent times, many companies are moving to shore up their boards with strong and independent directors.

Until the point at which Shell faced an accounting controversy in 2004, Shell’s British holding company had as its chairman a professor of geology. After the drama, it recruited Jorma Ollila, former chief executive officer of Nokia Corp as chairman. Unilever appointed an outside chairman last month to cap a restructuring at the Anglo-Dutch consumer-goods giant.

Mr. Sutherland’s mission at BP from the beginning has always been to focus on establishing a “robust” and independent board of directors he was quoted as saying in an interview recently. After stints as Ireland’s attorney general and Europe’s competition czar, Peter Sutherland in 1993 was instrumental in taking forward the General Agreement on Tariffs and Trade in Geneva. There, he clinched the Uruguay Round, an important trade agreement that set the foundations for today’s World Trade Organization. For a man who has achieved so much it is difficult to forsee where he will find his next challenge.

December 27, 2008: 12:09 am: adminBetter Real Estate, Markets, University of Marketing

A newcomer to the world of investments in the notion of “Virtual Real Estate Investing“. What is meant by “Virtual Real Estate Investing” ranges from online games like SecondLife (where real profit can be made) to the use of internet technologies to make normal real estate investors more profitable.

To separate fact from fiction, I asked Bryan Ellis for comments. He’s the man many consider to be the father of this new form of investing.

When I began using the term virtual real estate investing in the late 1990s, I did so because I saw clear parallels between the strategies used for profiting from physical real estate and those that would create income in the online world, said Ellis.

Bryan Ellis cites the similar strategies one can employe to make money from “virtual property” and “physical property” as a primary parallel of the two markets. “There’s a huge difference between a website and a piece of real estate, but the ways you can profit from them are similar: ‘flipping’, rental/leasing, advertising sales, etc…all of these apply to both markets” he states.

I must admit: Its easy to see the parallels. After all, if you own a valuable piece of real estate, it’s “valuable” because other people are interested in that specific piece of property. Similarly, ownership of a desirable domain name is valuable for the same reasons. So it doesn’t matter if you own physical real estate or virtual real estate - you’ll likely use similar strategies to turn them into money in your pocket.

In our next installment of this series on virtual real estate investing, Bryan Ellis will share the internet analogies to the physical concept of real estate development.

November 9, 2008: 10:32 pm: adminMarkets

Currency exchange is becoming one of the most prominent sectors in this centuries inter-connected world. With countries buying and selling, foreign currency currently has a worth on the world market place and there are now even some individuals who decide to make it their sole profession to seek out foreign currency.

Have you heard of foreign currency trading? Not unlike stocks buying and selling, currency trading is the buying & selling of currency positions and people can often make significant gains as various currencies each have various positions on the world-wide market place. It may be the case that, if you are utilising American dollars, then you could not notice the benefit, but this particular enterprise works best should you be exchanging, say, Belarus Rubles with Mauritius Rupees.

Currency trading also has a significant amount to do with trade of goods. Firms which export their goods and services overseas, are paid foreign currency, which, unfortunately, they will often not be able to spend at home, and as a result they eventually get their currency converted. Putting this to one side, the current prices on the world wide forum are always prescribed through currency trading, therefore individuals and companies may well lose money should their country’s currency has a weak position when compared to the stronger currencies, for example the American dollar and the Euro

Foreign currency exchange is also important throughout travel. Obviously, if one skip over to Europe, then maybe you need to have your currency exchanged to Euros thus you may buy even more goods and services. Sure, the American dollar is accepted everywhere in the world, nevertheless, there are always a number of countries where individuals and companies need the precise amount in payment for goods. Buying goods with American dollars when you are abroad will often just cause inconvenience for other individuals because they too, will very much need to get it exchanged. This is the main reason why the vast majority of international transit hubs already enjoy currency exchange services therefore, consequently you will not have to hunt around the land scanning for vendors or individuals who will acquire overseas currency. Don’t forget, there are also online sites, that will seek out foreign currency, so you can have all your money exchanged on the Internet and also withdraw any of it in local currency wherever you are right now on the planet. Foreign currencies fluctuate in value all the time - learn how to take advantage with Foreign Currency Direct.

October 20, 2008: 1:06 pm: adminBetter Real Estate, Caveat Emptor, Markets

It is no big secret that the mortgage industry has come under fire as of late. Wherever you get your mortgage reviews, they are going to pretty much say the same thing too. The mortgage lenders did make it too easy to borrow money, and now a lot of people are in hot water. Was it predatory lending? I personally think that it was greed on both sides of the fence. Mortgage lenders were too eager to loan money, and borrowers were too eager to borrow!

So now, many mortgage lenders (even some of the largest ones) are so upside down in bad debt that many actually have failed. As a result, now more than ever it is very important that you check several different sources to do some research before choosing a mortgage company, internet reviews or business site reviews are the most common because of the simplicity. Be careful to take into account how reliable the reviews might be that you are reading. In many cases it is hard to tell who wrote it, and it could be written by someone who is merely disgruntled with a certain company. So check multiple sources, and try to stick with reputable ones, and you will be able to be a better informed consumer.

July 9, 2008: 5:45 pm: adminMarkets

Any time you make changes in your life you are going to be met with opposition from people who would prefer you to stay exactly as you are. Sadly, these people are often the ones that love you the most; your family, friends, partners and even work colleagues. However, in your moments of entrepreneurial seizure, the greatest opposition that you will experience (particularly if you’re a seasoned employee) will come from within yourself.

What’s your great business idea?

They say that each one of us has an unwritten book lying within us. It’s my belief that each of us also has a great business idea lying in the depths of who we are as well. However, the reality is that very few of us actually dig deep enough to uncover this aspect of self. Of those who do, fewer still are prepared to inject the passion and enthusiasm necessary to bring these ideas to life.

Understand your entrepreneurial process.

If you hold aspirations of transitioning from paid employment to running your own business, I think it is important to understand the mental and emotional process you go through when you experience moments of entrepreneurial inspiration. When you get a business idea, do you immediately think of all the ways you could make it work or are you someone who automatically sabotages yourself by thinking of all the ways it could fail?

Pushing through entrepreneurial sabotage.

If you are someone who experiences entrepreneurial sabotage, start to note down your habitual opposing thoughts. Here are some examples of sabotage you may already be familiar with;

- if the business idea was that good, why hasn’t someone thought of it before?

- how can I start a business - I don’t have any money?

- what will people think of me if the business fails?

- I’m too old / young to start a business.

- how can I start a business if I don’t have a business degree?

Once you have an awareness of your own internal resistance you can start to counteract it. You may like to try experimenting with the following self empowering questions:

- how can I start this business using none of my own capital?

- what partners do I need to attract to make this business a success?

- how can I communicate my vision to attract a skilled workforce?

- who successfully runs a similar business?

- what would I have to do to imitate their success?

Leap of faith

Establishing any kind of venture requires a ‘leap of faith’ as there are no certain outcomes in business. When you are starting out spend most of your time focusing on ‘why’ you want to run your own business rather than the ‘how’. The how will follow naturally once you understand the why.

There is never a ‘perfect time’.

If you are waiting for the perfect moment to launch your business you’ll be waiting a very long time. The only perfect time to start a business is right now. If you’ve got a great idea that you are passionate about, don’t delay! Immerse yourself into it right now! You don’t need any money to start planning and visualising your dream. If you can feel, touch and taste it, all you have to do is get out there and start sharing your vision with as many people as you possibly can. And if you do it effectively and with passion you will attract the right business partners and customers.

To quote Goethe, “whatever you can do or dream you can do, begin it. Boldness has genius, power and magic in it. Begin it now!”

Damien Senn - EzineArticles Expert Author

About the author:

Damien Senn is a Life and Business Coach as well as a fully qualified Chartered Accountant. He helps professionals, artists and entrepreneurs create compelling futures.

He is the author of the ‘Senn-Sational Success Journal’ and has developed his own coaching model called the ‘Senn-Sational Success System’.

For your free life coaching tool ‘101 things to do before you die’, please click the following link:

http://www.senn-sational.com/freeresources.htm

June 26, 2008: 12:38 am: adminCaveat Emptor, Markets, Online Software Resources

Another common myth regarding PC security software is that “free antivirus” or “free antispyware” is worse than “paid versions” of same products. In fact, we’re talking about feature-limited editions - less controls, simpler admin panels, no live support, etc. But signature databases are same as with paid software, because engineers cannot waste time coding separate databases for users of free and paid programs. It would be silly. Quality depends and so does the price.

More and more parents realize they shouldn’t impose any direct control over their child’s online activity thus trying to find out what their children are doing online. This task finds an easy solution in special keylogger software. Such software monitors computer activity and saves the report in special files so that the parents can later check it out and make conclusions. Keyloggers usually show what applications were used on the controlled computer, what sites a child visited and what he actually wrote to his online pals. There are enhanced search and sorting options, so any suspicious activity can be easily traced. Data loggers, key loggers are just a few programs which harvest info from your computer. Winclear is the only program created specially to auto remove such spywares. The biggest culprit in this recent rise in cyber crime is spyware the buzzword that is on the lips of every internet user. That is why every computer owner needs winclear.

Protect With Winclear :History Of China Internet Censorship
There are many companies that are offering computer spy software via the Internet so you will not find it hard to find a monitoring program that will suit your needs. There is even computer spy software that can be downloaded for free. However, most free services have limited capabilities. Winclear is the only software which is capable of removing keylogger programs. To feel more at ease and safer with them on your computer you should set your browser to delete cookies on a more regular basis. Winclear has been the industry leader in fighting keyloggers for the last 8 years.

Winclear:
This scam involves setting bogus websites and luring people to visit them as a rule by links in emails. That is the reason why you need Winclear installed onto your computer. When the user clicks on the hyperlink to open the card the browser is redirected to a exploit server which checks to see if the computer has been updated with the latest security patches. Protect your computer security by using Winclear! More about Winclear here: Winclear.

June 11, 2008: 11:39 pm: adminMarkets

“We need to communicate better!” This is the most evident catch-all solution people offer to fix all kinds of problems in the workplace - from poor safety to a failing merger; from poor management to an unmotivated workforce. And it’s true. To help people perform better in any organisation at whatever they do everybody has to find ways to communicate more effectively.

However, there are three problems with the catchall “we-have-to-communicate-better”. Firstly, we don’t take time to pin down exactly what we mean by “more effective communication”. Secondly, the definite recommendations seem so simplistic and time-consuming that people don’t believe their value. Thirdly, the solutions seem so mundane - so non-sexy - that people don’t want to do them.

So here are twelve pinned-down suggestions. They don’t need great brainpower but in some instances they’ll take time to implement. They’ve been gleaned from practical efforts at helping colleagues improve their business performance. This means that if you don’t take steps to implement them yourself or delegate the implementation, there is nothing else. There are many other “effective communication tips”, but the twelve in this article have proved most powerful.

1. Scrap glossy corporate magazines.

They seem like a good idea and they look very professional but nobody reads them. I see them piled up in offices and factories and when I ask people if they read them the answer is always “no”. Instead, spend the time and money on smaller targeted ways of reaching specific audiences (customers, policy-makers and the public, for example) and telling them what you want them to know or do.

2. Make newsletters shorter, more direct and more frequent.

Quarterly, full colour, sixteen-page newsletters are not being read. Remember, people don’t want to read anything work-related and the internet has now created a generation that cannot read long articles. People want relevant information quickly. Issue the newsletter monthly. Limit it to two sides of A4 with not more than two photographs. Use bullet points throughout and use a font no smaller than 12pt. The same goes for all kinds of reports. Encourage people to keep them as short as possible.

3. Scrap massive presentations to hundreds of employees.

The great big corporate presentation with microphones, triumphal music and vague “feel-good” or “wake-up call” speeches, are a waste of time and effort. People who attend enjoy the jaunt but invariably don’t know what they’re supposed to do afterwards. Rather, take the time to have ten separate smaller gatherings with detailed question and answer sessions. Progress is made when people can express their real concerns and large events intimidate most people - even senior people.

4. Reduce the display of statistics.

People want to know what the numbers mean for them and what they have to do about them. Encourage people in talks and reports to give only a summary of the numbers and to concentrate 70% of their communication on the implications. You’ll get some resistance because figuring out implications requires considerable thought!

5. Avoid power point and death by overheads.

Unfortunately, if you use power point your audience will first be on edge because the technology never works and second will switch off. People remember the gimmicks and the clip art, not what you’ve said. Stick to well prepared, relevant OHP slides. In a 25-minute talk you MUST limit the slides to five.

6. Don’t allow people to use meetings to transmit information.

Meetings take double the time they should because we sit passively listening to someone telling a story - albeit an important one. Use meetings to debate the issues and to make decisions. Find more effective ways to disseminate information. Insist that people circulate any kind of information (reports, accounts, plans and so on) in advance. Don’t allow people to read documents in the meeting if they haven’t done their homework.

7. Managers should tell people more of what’s happening.

Not sharing enough information is a major problem. Managers should tell people as much as possible, even if you think it is not relevant to them. For example, make available parts of the business plan. Let people know what’s going to happen three months from now. If you don’t know, say so. Naturally, commercial sensitivity must be respected. Some companies make available company profit and loss statements. However, here’s the trick. The information has to be very concise and accompanied by a clear explanation of what impact, if any, it will have on people. Similarly we should tell our peers in other departments what we are about to do. One department not telling the other what it is doing causes many mistakes.

8. Employees should tell managers more of what’s happening.

Employees are getting into difficulties because they’re not being honest in telling their supervisors or managers what’s really going on. Managers need this information to make necessary changes and as employees we just have to force ourselves to raise problems openly. We have to overcome our fear of upsetting the boss. However, here’s the trick. Managers need the information in a way that helps them. A quick scribbled note or heated telephone message is no good. State the problem clearly, offer some solutions and request what you want done. Similarly, we should tell our mates what we are about to do. Merely one person not telling another what he has just done or is about to can lead to serious and costly mistakes.

9. Respond as quickly as possible to any request.

The biggest complaint I hear from colleagues about poor communication is that people are slow to, or never, respond. People are submitting important requests they need to progress a job, never to hear a word in response. Acknowledge requests as soon as they are received. Thank people and explain what you will do with the request. Keep people informed frequently on progress and if the answer is “no” give reasons.

10. Consult more and have more informal talks.

We all know that fruitful business often gets done during breaks, meal times and recreational events rather than in the actual conferences or workshops themselves. So extend this to everyday practice. Talk with people not as an interrogating boss but as someone who wants to make things better. Ask people what they need to do an even better job. Ask them how to improve the meetings. Ask them what they think is hindering the department doing even better. Express your major current fear about the business and ask how they could alleviate this fear.

11. Control e-mailitis.

Technology has made us lazy. It’s so easy to send copies to everybody without thinking if they really need or want them. Minimise the number of copies. Try telephoning first. You can say so much more and get the context of things in a three-minute telephone call. Don’t assume people have received your e-mails. Ask them to respond or check by telephoning. Don’t use e-mails as weapons: “Oh but I e-mailed you last week so it’s your fault!”

12. Speak and write in plain English.

Use words people understand. Why use “axiomatic” when you can say “self-explanatory”. Be concise so that “at this moment in time” becomes “now” and “events that have happened in the past” becomes “past events”. In addition, say what you mean. The man’s health was affected by the weather doesn’t tell us much. We want to know how his health was affected.

In conclusion here are two over-arching principles to ensure your communication succeeds. First, make sure you know what you want - in detail. Second, remember most people don’t really want to read or listen, so explain right up front what’s in it for them.

Copyright (c) 2004 Dr William Robb. Electronic distribution to ezines, friends and colleagues permitted but publication in print prohibited without written permission.

Bill Robb - EzineArticles Expert Author

Dr Bill has spent 20 years helping people and organisations fix some deep-rooted problems by merely getting them to communicate better. http://www.mytimemanagementsecrets.com/

: 10:09 pm: adminMarkets

Having their own business is something many millions of people dream of doing. Many do, of course, but so many others never quite get around to it. One of the factors that may discourage people from getting that business off the ground, is a lack of start up capital; and another may be the risk of losing their own money.

With a bit of thought, planning and effort, though, it may be possible for you to not only raise some start up capital, but do so through business credit. In other words, borrow against the business rather than personal assets.

You may be thinking that you have no business yet. That may be so, but it does not mean you cannot obtain business credit to get your plans started

Building business credit is completely different from building personal credit, and it is best to keep them separate if possible. Some credit reporting agencies will sell a business FICO score based on both the risk of the business and the personal credit of the owner. In some instances, the owner’s personal credit is linked to the business credit, separate credit records are profitable. You should also bear in mind that you do not have the same credit protection laws with business credit as you do with personal credit.

There are some important steps to follow in building a good business credit record. Here are a few for you to take into account:

1. Prepare Business Plan And Structure

You are now in the world of business credit, not consumer credit. This means that you are trying to project yourself in a business-like way. In preparing yourself to do this, you will have the added bonus of preparing yourself for the transition from being an employee to being a business man or woman. The more business-like you become, the better your business will do in the future.

But first things first. Your first job is to convince potential lenders you are going to have a viable business. The quality of your preparation is important; if you go seeking business credit without doing your homework, you will be sent back to the drawing board.

To begin with, set up a proper business structure, and if you require any licenses, make sure those are in place. Also, prepare a business plan, with the aid of an advisor if necessary. You can use this to show that you have thought about the business: the products, the markets, the competition, pricing, and all the other elements of the business. Be prepared to defend your projections for sales, and your estimate of start up and running costs.

Again, this has the added bonus of being a good preparation for you, regardless of seeking credit for your business. You will become a better business person for preparing your business plan. Hopefully, that will stand you in good stead as your business grows successfully. Planning will become a part of your monthly or annual routine.

Another preparatory move that will help you is, in the US at least, getting a business credit profile. This can help you to build up business credit without using your personal credit. The benefits in having a business credit profile are many. Most importantly, you will have more cash for the business, convenience in purchasing, protection of your personal assets, limiting of personal liability from the business, and the ability to prepare your business for future lending needs.

2. Become A Good Credit Customer

You will, of course, need to buy equipment, services, stocks and other materials for your new business. If you can find vendors who will grant you credit, all the better; but is best if they are companies who will report your credit history to the major business credit reporting agencies. Dunn and Bradstreet is probably the best know internationally. Unlike with personal credit ratings, or FICO scores, with business credit scores income or income potential play an important roll. The top scores are reserved for the large stable businesses, but with careful and diligent business and crdit practice, you too can achieve a good credit rating.

3. Obtain A Credit Assessment

In order to enter the business credit market, it is best to do a credit assessment. This will determine if you comply with the lender and credit bureau’s requirements. Once you have done that, look for businesses that issue credit without the need for established business or personal credit checks or guarantees. Once you have transacted business with vendors on credit, you can utilize those references to build your credit profile with the credit reporting agencies.

In many US states, there are non-profit organizations and/or government organizations that will help you with obtaining business credit. Often there are loans available for start-up businesses or even government grants. Check your state government, or national government if not in the US, web sites for such organizations.

Many retired, or semi retired, businessmen volunteer to help start-up businesses. If you can, take advantage of such help; it will all build your knowledge as you set out on the road to a successful business with a good credit standing. Experienced business people will forewarn you of many of the pitfalls of starting your own business, and you will be better prepared.

EzineArticles Expert Author Roy Thomsitt

This how to build small business credit article was written by Roy Thomsitt, owner author of the Eliminate Credit Card Debt Now website. Roy is a former finance and business professional, now a full time online author.

June 2, 2008: 10:00 pm: adminMarkets

If there is any industry who is less out of touch with its customers than the music industry then I defy it be suggested. As if going after die-hard fourteen year-old Coldplay fans wasn’t enough, record companies are now extending their copyright war by taking legal action against websites that offer unsolicited music scores (BBC news). When are the CEO’s of these belligerent organisations going to wake up and realise that you don’t make money suing your customers?

Since the arrival of MP3 files, record company chiefs have been on nothing short of a witch hunt to identify the key perpetrators of their traditionally gargantuan and monopolistic hold over music buyers, fining key offenders of the Copyright Law up to sums of $150,000. Unlike their plans to prosecute websites ‘illegally’ publishing music scores however, the disolusioned Chief Executives and their equally moronic corporate camaraderie of amateur A&R producers haven’t been able to touch offending sites like KaZaa, Grokster and Morpheus for as far as legalese is concerned, these sites are just ‘pipelines’ and the prosecutable offenders are, unfortunately, individuals.

Most industry chiefs would have acknowledged, logically enough, that the sheer number of offenders was too overwhelming on both time and cashflow to address through the courtroom and responded to the problem by trying to provide some alternative platform for distribution to the one their ‘customers’ were currently using, offering features which made them want to pay for it. But the Magnates of Music have never much cared for treating their customers with courtesy, and they weren’t about to start this time round.

What has transpired is a five-plus year spending spree of what can only be described as cringeable management practice, with the net result of most legal campaigns - even richer prosecuting attorneys. In the process, record companies have done little else but whine to anti-trust regulators about how margins are being squeezed and get away with outrageously gargantuan mergers the likes of which would be inconceivable in any other industry.

“The problem for major record companies is that they are less music publishers than they are music retailers” one industry executive told me at a party in London earlier this year. “Where they make their money is in the in-store margins, in selling CD’s. Record companies have been clamping down so hard on copyright because it’s the income stream.”

Well that, and the fact that these companies are led by poorly-trained Chief Executives who have little understanding and no interest in learning about the dynamics of disruptive technologies. One can’t help but speculate whether had EMI spent the same time and money on developing “EMI-Tunes” as it has wearily suing teenagers over the past five years whether its balance sheet and stock price might not look considerably healthier.

Still, the news shows that they haven’t got the message yet, or the irony that they are suing themselves out of business as savvier competitors like Apple cash in on massive consumer demand, for the truth is, prosecuting two hundred and fifty offendors a year is not going to stop the other sixty million people from changing habits that mean more convenience and less hassle.

The rule “stay close to your competitor” was immortalised by Tom Peters and is almost universal today: His Master’s Voice should do a little less shouting and a little more heeding of the voices of the masses.

http://danielmarkharrison.blogs.com

May 23, 2008: 11:05 am: adminMarkets

These days, it seems like everyone wants to work from home and
make money on the Internet. But before you even turn on your
computer, the first question you have to ask yourself is whether
you’re cut out for this kind of work.

The fact is, building a home-based business isn’t for everyone.
Some people like the commute. They really do enjoy having a boss
who tells them what to do, and they like the routine of working
nine-to-five for an ordinary salary that can barely pay the
mortgage. Personally, I think they’re nuts.

More reasonably, there are people who are concerned about the
risk of starting up their own business. They’re not sure it’s
worth the investment of time and money, and they’re scared of
the responsibility that comes with running their own company.
They wonder if there is another way to escape the rat race.

I’m sure there is. You could win the lottery or wait for your
Aunt Sue to keel over and leave you her condo. Or maybe you
could sit down with a pen and paper and draw the blueprint for
“The Next Big Thing”. Anything can happen… Right?

For me, what happened was creating a successful, self-running
Internet marketing system. It didn’t happen without effort. It
didn’t happen without at least some initial investment of both
time and money and, of course, it doesn’t happen now without me
making sure that the taxes are filed and the paperwork is done.
But it happened.

I’m my own boss. I work from home according to my own schedule
and I get to pocket all the cash my business makes. If you’re
prepared to give an e-business the time, the work and the money
it needs to get started and get growing, it can happen for you
too. Get a copy of Stone Evans’s “Dotcomology” and never need
another e-book, software, or marketing course again!

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