Podcast terbaik NAPFA (2024)

1
Inclusivity in Finance: Empowering Women and LGBTQ+ Communities with Jennifer and Lisa Dazols – Episode #23 of NAPFA Nation 17:19

20d ago17:19

17:19

In Episode #23 of NAPFA Nation, host Marie Swift speaks with Jennifer Dazols, CFP®, Founder and Lead Financial Planner, and Lisa Dazols, Head of Operations at Modern Family Finance. The conversation focuses on the Dazols' journey and motivation for creating Modern Family Finance. Their fee-only financial planning company focuses on typically unders…

1
First-Generation Wealth Creators: Build a Better Financial Future with Luis Rosa – Episode #22 of NAPFA Nation 19:39

2M ago19:39

19:39

In Episode #22 of NAPFA Nation, host Marie Swift speaks with Luis Rosa, CFP®, EA, founder of Build a Better Financial Future. The discussion revolves around empowering first-generation wealth creators, particularly immigrants or children of immigrants, who often face challenges related to financial literacy and family obligations. Rosa highlights t…

1
“Planning for Two Retirements: Challenges and Solutions for Special Needs Families” with Britta Koepf - Episode #21 of NAPFA Nation 17:59

3M ago17:59

17:59

In Episode #21 of NAPFA Nation, host Marie Swift interviews Britta Koepf, CFP®, ChSNC®, founder of Tranquil Path Financial Planning. The discussion begins with Koepf’s background and motivations for establishing her financial advisory practice, focusing on the unique challenges faced by families planning for the financial futures of both aging pare…

1
“Bridging the Gap: The Vital Intersection of Healthcare and Financial Planning” with Christine Simone - Episode #20 of NAPFA Nation 17:22

4M ago17:22

17:22

In Episode #20 of NAPFA Nation, Christine Simone, founder and CEO of healthcare software company Caribou, and host Marie Swift delve into the vital intersection of healthcare and financial planning. As they explore the significance of healthcare in financial strategies, especially during pivotal life events like retirement, divorce, and job changes…

1
“Lives Under Care: Using Dollars and Cents to Create a Rooted Plan” with Amy Irvine - Episode #19 of NAPFA Nation 33:06

5M ago33:06

33:06

In Episode #19 of NAPFA Nation, Amy Irvine of Rooted Planning Group, shares with podcast host Marie Swift her journey in financial planning. From rebranding her firm, empowering women in financial planning, attracting male clients too, promoting pay equity and DEI within the firm, building client relationships, creating an ensemble of talented wome…

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“See It, Be It: Advocating for Inclusion and Diversity” with Jordan Dyson - Episode #18 of NAPFA Nation 26:34

6M ago26:34

26:34

In Episode #18 of NAPFA Nation, Jordan Dyson, Manager of Associate Development at Buckingham Wealth Partners, talks with podcast host Marie Swift about her involvement in DEI (Diversity, Equity, and Inclusion) initiatives. Dyson advocates for greater inclusion and representation in the financial planning profession through various roles at Buckingh…

1
“Differently Abled: Challenging Stigmas by Recognizing Neurodiversity and Diverse Skill Sets” with Mike Walther - Episode #17 of NAPFA Nation 31:31

7M ago31:31

31:31

In Episode #17 of NAPFA Nation, Mike Walther, founder and President of Oak Wealth Advisors, talks with podcast host Marie Swift about working as a financial planning team focused on assisting families with differently abled loved ones. Walther's experiences with his autistic brother inspired the firm's focus on specialized financial planning. Oak W…

1
“Honing Skills: How Volunteering within NAPFA’s Professional Community Can Lead to Career Growth” with Jeff Jones, Abby Hasling, and Stephen Fletcher - Episode #16 of NAPFA Nation 28:21

8M ago28:21

28:21

In Episode #16 of NAPFA Nation, Jeff Jones of Longview Financial Advisors, Abby Hasling of The Mather Group, and Stephen Fletcher of EVOadvisers, talk with podcast host Marie Swift about the many reasons they have volunteered their time and energy for NAPFA leadership roles over the years. The episode highlights the benefits of volunteerism and how…

1
“Ethical and Inclusive: Taking Pride in Community Service, ESG and LGBTQ+ Initiatives” with Steve Doster and Michelle Wilson - Episode #15 of NAPFA Nation 22:21

9M ago22:21

22:21

In Episode #15 of NAPFA Nation, Steve Doster, a senior wealth advisor at Rowling & Associates in San Diego, and Michelle Wilson, an independent fiduciary advisor with Athens Impact Socially Responsible Investments in rural Ohio, talk with podcast host Marie Swift about the formation of NAPFA Pride, an affinity group for LGBTQ+ members. Each shares …

1
“Pursuing Purpose: From the Olympics to Philanthropic Wealth” with David Flores Wilson – Episode #14 of NAPFA Nation 18:38

10M ago18:38

18:38

In Episode #14 of NAPFA Nation, David Flores Wilson, Managing Partner of fee-only wealth management and financial planning firm Sincerus Advisory, talks with podcast host Marie Swift about his experience representing his Guam in the 200-meter run at the 1996 Olympic Games in Atlanta, Georgia, and his involvement with the Lower East Side Girls Club …

1
“Advisors Giving Back: Benefits of Pro Bono Financial Planning” with Matt Iverson-Comelo and Lisa Niera - Episode #13 of NAPFA Nation 25:01

11M ago25:01

25:01

In Episode #13 of NAPFA Nation, Matt Iverson-Comelo Executive Director of the 501(c)(3) non-profit organization Advisers Give Back (AGB), and Lisa Niera, CFP®, a fee-only wealth advisor with Corient, talk with podcast host Marie Swift about giving back through pro bono financial planning. Launched in 2020, AGB’s scalable online platform matches pro…

1
“Intentional Visibility: Benefits of an Inclusive Workplace Culture” with Dana Wilson - Episode #12 of NAPFA Nation 25:46

12M ago25:46

25:46

In Episode #12 of NAPFA Nation, Dana Wilson, CEO of CHIP (Changing How Individuals Prosper) talks with podcast host Marie Swift about the benefits of building an inclusive workplace culture. CHIP is a B2B financial services marketplace that makes finding financial professionals of color easy. In this lively episode, they discuss the importance of c…

1
“Progressively Yours: How Being Real and Creating a High-Trust Environment Gels as Values Added” with Zach Teutsch - Episode #11 of NAPFA Nation 39:56

1y ago39:56

39:56

In Episode #11 of NAPFA Nation, Zach Teutsch, managing partner at Values Added Financial, talks with podcast host Marie Swift about helping “progressives” build financial lives they feel good about. Established in 2017, his fiduciary financial planning and wealth management firm is passionate about supporting people who want to leverage their wealt…

1
“Career Change Success: How a Tech, Consulting, and Academics Pro Became a Fiduciary Financial Advisor” with Irfan Bhabhrawala - Episode #10 of NAPFA Nation 22:18

1y ago22:18

22:18

In Episode #10 of NAPFA Nation, Irfan Bhabhrawala, Owner and Lead Financial Planner at Arbor Financial, talks with podcast host Marie Swift about his career transitions – from a university setting to technology and consulting roles, plus real estate investments, to ultimately becoming the owner of a fee-only financial planning firm based in Ann Arb…

1
“Time Machine: How the Billable-Hours Business Model Works for Advisors and Clients” with Mark Berg - Episode #09 of NAPFA Nation 28:06

1y ago28:06

28:06

In Episode #09 of NAPFA Nation, Mark Berg, Founding Principal of Timothy Financial Counsel, Inc., talks with podcast host Marie Swift about a new type of firm and a new potential audience for financial advice that is awaiting the financial planning profession. Berg, the Founding Principal of Timothy Financial Counsel, Inc., has proven how this busi…

1
“Embracing Fiduciary Excellence: 40th Anniversary Reflections from NAPFA's First President” with Gary Pittsford - Episode #08 of NAPFA Nation 33:03

1+ y ago33:03

33:03

In Episode #08 of NAPFA Nation, one of the founding members and first president of NAPFA, Gary Pittsford, talks with podcast host Marie Swift about his involvement with NAPFA over the past 40 years. He highlights the growth and influence of NAPFA in promoting fee-only financial advice and attracting clients who prefer a fiduciary standard. Pittsfor…

1
“Retirement Redefined: How to Balance Time, Money and Joy” with Glenn Frank - Episode #07 of NAPFA Nation 35:39

1+ y ago35:39

35:39

In Episode #07 of NAPFA Nation, Glenn Frank, author of the popular book Your Encore: Retirement Planning Guide - How to Balance Time, Money and Joy, discusses the importance of brain chemicals in happiness and suggests a daily practice called the "smiling starfish" to increase happiness per dollar and hour. He also shares his four key takeaways on …

1
“Fiduciary Values, Exemplified: How Volunteering as a NAPFA Member has Paid Off Over the Years” with Lydia Sheckels - Episode #06 of NAPFA Nation 32:07

1+ y ago32:07

32:07

In Episode #06 of NAPFA Nation, Lydia Sheckels, CFP®, CLU®, ChFC®, of Wescott Financial Advisory Group, shares highlights from her career in financial services, including how she became fee-only financial planner, and why she decided to eventually join NAPFA and raise her hand for service/leadership roles within the fiduciary community that would c…

1
“Your Amazing Financial Life” with Tara Unverzagt - Episode #05 of NAPFA Nation 28:46

1+ y ago28:46

28:46

In Episode #05 of NAPFA Nation – livestreamed from the big podcast stage at the 2023 Morningstar Investment Conference in Chicago – Tara Unverzagt, CFP®, of South Bay Financial Partners tells us how she became fee-only financial planner, and why she decided to develop new access points for people who dread facing, or worse, are stressed and worried…

1
“Deliberate Action: Bridging the Gap for Women in the Financial Planning Profession” with Katie Burke and Bridget Grimes - Episode #04 of NAPFA Nation 22:22

1+ y ago22:22

22:22

In Episode #04 of NAPFA Nation, Katie Burke, CFP® and Bridget Grimes, CFP® talk with host Marie Swift about how they became fee-only financial planners with two independently owned and operated firms, plus how – and why – they came together to establish Equita Financial Network (EFN), an umbrella Registered Investment Advisor (RIA) for other women-…

1
“Encore Performance: Changing the Conversation about Money and Finances” with Elizabeth Jetton - Episode #03 of NAPFA Nation 27:51

1+ y ago27:51

27:51

In Episode #03 of NAPFA Nation, Elizabeth Jetton, CFP®, shares thoughts on using mindful conversation to build trust and create engagement. Jetton has been a thought leader in the financial planning profession for the past 20 years. She has been in the financial services industry since 1981, a CFP® professional since 1991, and served as President o…

1
“The Curious Learner: Creating an Open Canvas” with Wendy Hartman - Episode #02 of NAPFA Nation 27:00

2y ago27:00

27:00

In Episode #02 of NAPFA Nation, we hear from Wendy Hartman, CFP®, President of Buckingham Strategic Wealth, a growing organization of advisors, financial specialists, and national thought leaders committed to delivering on the promise of true wealth management. As a Registered Investment Advisor, the essence of their approach is based on a pledge t…

1
“Talent Pool: Advancing Diversity in the Financial Planning Profession” with Luis Rosa - Episode #01 of NAPFA Nation 22:40

2y ago22:40

22:40

In Episode #01 of NAPFA Nation, “Talent Pool: Advancing Diversity in the Financial Planning Profession,” we hear from Luis Rosa, CFP®, EA. Rosa came to the U.S. at age 11 from the Dominican Republic. Growing up in New York City, he noticed the lack of financial literacy in his community and was inspired by his parents to work hard and pursue an edu…

1
“Emotional Intelligence: How to Improve and Use EQ in Everyday Life" with Marie Swift - Episode #32 of Mindset Mastery 25:27

2y ago25:27

25:27

In Episode #32 of Mindset Mastery, “Emotional Intelligence: How to Improve and Use EQ in Everyday Life,” host Marie Swift, CEO of Impact Communications, recaps the 2022 episodes so that listeners who missed one of these fabulous conversations can get a few quick tips from her summary – and make a note to go back and listen to the episodes that call…

1
"Choose Wisely: How Mindfulness and Attentive Listening Can Help You Make Better Decisions" with Gary J. Boelhower, PhD - Episode #31 of Mindset Mastery 23:25

2y ago23:25

23:25

In Episode #31 of Mindset Mastery, "Choose Wisely: How Mindfulness and Attentive Listening Can Help You Make Better Decisions," host Marie Swift speaks with author, poet, and teacher Gary J. Boelhower, PhD. As Professor Emeritus at The College of St. Scholastica, he continues to teach health humanities; healthcare ethics; living, dying and grieving…

1
“Motivate Your Money: Using Conversations and Conscious Decision Making to Realize Success” with Mac Gardner - Episode #30 of Mindset Mastery 27:02

2y ago27:02

27:02

In Episode #30 of Mindset Mastery, “Motivate Your Money: Using Conversations and Conscious Decision Making to Realize Success,” host Marie Swift, CEO of Impact Communications, speaks with book author and financial educator Mac Gardner, CFP. In addition to his book for adults, Motivate Your Money, Mac has created a book, coloring and worksheets, and…

1
“Blessings In Disguise: Using Obstacles to Fuel Success" with Veronica Dagher - Episode #29 of Mindset Mastery 19:32

2y ago19:32

19:32

In Episode #29 of Mindset Mastery, “Blessings In Disguise: Using Obstacles to Fuel Success,” host Marie Swift, CEO of Impact Communications, speaks with award-winning journalist Veronica Dagher. In addition to her work as a personal finance reporter for the Wall Street Journal, Dagher is the author of “Resilience: How 20 Ambitious Women Used Obstac…

1
Rising Stars: Three Fiduciary Planners Speak Up on Career Paths, Role Models and Mentorship - Episode #28 of Mindset Mastery 24:04

2+ y ago24:04

24:04

In Episode #28 of Mindset Mastery, “Rising Stars: Three Fiduciary Planners Speak Up on Career Paths, Role Models and Mentorship,” host Marie Swift, CEO of Impact Communications, speaks with three women who have made fiduciary financial planning and investment management their profession. She is joined by Anabel Diaz, CFP®, MSFP of Natural Bridges F…

1
“Financial Stress: Practical Solutions for Overcoming this Hidden Epidemic” with Dr. Alex Melkumian - Episode #27 of Mindset Mastery 24:08

2+ y ago24:08

24:08

In Episode #27 of Mindset Mastery, “Financial Stress: Practical Solutions for Overcoming this Hidden Epidemic,” host Marie Swift, CEO of Impact Communications, speaks with Dr. Alex Melkumian, author of the recently released book, Financial Psychology: Restoring Financial Wellness in a Post-COVID Economy. A licensed Marriage and Family Therapist and…

1
“Mind Your Balance: Creating Effortless Success and True Happiness in Your Life” with Dr. Travis Parry - Episode #26 of Mindset Mastery 32:50

2+ y ago32:50

32:50

In Episode #26 of Mindset Mastery, “Mind Your Balance: Creating Effortless Success and True Happiness in Your Life,” host Marie Swift, CEO of Impact Communications, speaks with Dr. Travis Parry, author of the recently released book, Achieving Balance, and author of the forthcoming book, Balanced Growth. A former financial advisor, Dr. Parry holds a…

1
“Beyond DE&I: Inclusive Leadership and What It Means for Business Leaders Today" with Dr. James Pogue - Episode #25 of Mindset Mastery 26:28

2+ y ago26:28

26:28

In Episode #25 of Mindset Mastery, “Beyond DE&I: Inclusive Leadership and What It Means for Business Leaders Today,” guest host Geoffrey Brown, CEO of the National Association of Personal Financial Planners (NAPFA), speaks with Dr. James Pogue, an expert who focuses on helping business leaders understand unconscious bias. In this fascinating conver…

1
“Radical Relevance: Building Share of Mind with the Right People the Right Way” with Bill Cates - Episode #24 of Mindset Mastery 30:17

2+ y ago30:17

30:17

In Episode #24 of Mindset Mastery, “Radical Relevance: Building Share of Mind with the Right People the Right Way”, host Marie Swift speaks with Bill Cates, a Hall of Fame speaker, author and coach who has helped thousands of financial professionals and firms to tap into exponential growth by focusing messaging, maximizing client engagement, and le…

1
"It’s Not About You: Lessons Learned from Serving as a Guide for Sight Impaired Athletes" with Caroline Gaynor - Episode #23 of Mindset Mastery 21:05

2+ y ago21:05

21:05

In Episode #23 of Mindset Mastery, “It’s Not About You: Lessons Learned from Serving as a Guide for Sight Impaired Athletes”, host Marie Swift speaks with Caroline Gaynor, a highly successful business person and endurance athlete who, when she’s not serving as a coach to fiduciary advisors as an employee of Avantis Investors, demonstrates that sati…

1
“Level Up: How Mindfulness and Self Reflection Can Change the World” with Saundra Davis - Episode #22 of Mindset Mastery 26:32

3y ago26:32

26:32

In Episode #22 of Mindset Mastery, “Level Up: How Mindfulness and Self Reflection Can Change the World,” host Marie Swift speaks with Saundra Davis, MS, APFC, financial coach, educator and trainer, distinguished Adjunct Professor at Golden Gate University, and founder of Sage Financial Solutions, a company that bridges the gap between financial ser…

1
"Optimal Performance: Insights from an Olympic Medalist " with Paul Kingsman - Episode #21 of Mindset Mastery 22:31

3y ago22:31

22:31

In Episode #21 of Mindset Mastery, “Optimal Performance: Insights from an Olympic Medalist”, host Marie Swift speaks with Paul Kingsman, author of The Distraction-Proof Advisor. Kingsman shares what it takes to become wildly successful, whatever your pursuit. As a young swimmer from New Zealand, Kingsman participated at the 1988 Summer Olympics, wi…

1
"Who You Are IS the Message" with Marie Swift - Episode #20 of Mindset Mastery 23:26

3y ago23:26

23:26

In Episode #20 of Mindset Mastery, “Who You Are IS the Message”, host Marie Swift recaps some of the best ideas shared by Mindset Mastery guests in 2021. She also shares her own thoughts and observations about life, liberty and the pursuit of happiness as we look back at the turbulence we’ve all been forced to move through over the past two years a…

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"Why Standing Out is No Longer Enough – And What To Do Instead" with Carl Richards - Episode #19 of Mindset Mastery 26:14

3y ago26:14

26:14

In Episode #19 of Mindset Mastery, “Why Standing Out is No Longer Enough – And What To Do Instead”, Mindset Mastery host Marie Swift speaks with Carl Richards, a.k.a. “The Sketch Guy” for the New York Times. They talk about how to be hyper-relevant to the smallest group of people possible so that you can make the biggest difference in your clients’…

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"Dementia Prevention and Optimistic Aging" with Dr. Margit Henderson - Episode #18 of Mindset Mastery 20:34

3y ago20:34

20:34

In Episode #18 of Mindset Mastery, “Dementia Prevention and Optimistic Aging”, Mindset Mastery host Marie Swift speaks with Dr. Margit Henderson, a psychologist who specializes in stress management and aging well. They talk about being more resilient and vibrant as we age – and how to help others who may be haunted by “pessimistic aging ghosts”. In…

1
"Brain Health: Beyond Crossword Puzzles and Sudoko" with Dr. Marc Milstein - Episode #17 of Mindset Mastery 20:52

3+ y ago20:52

20:52

In Episode #17 of Mindset Mastery, “Brain Health: Beyond Crossword Puzzles and Sudoko,” Mindset Mastery host Marie Swift speaks with Dr. Marc Milstein, a Ph.D. in biological chemistry, scientist, researcher and professional speaker on human health, productivity, and happiness. They talk about the often-overlooked factors that accelerate the aging o…

1
“Success That’s Satisfying” with Stephanie Bogan - Episode #16 of Mindset Mastery 27:17

3+ y ago27:17

27:17

In Episode #16 of Mindset Mastery, “Success That’s Satisfying”, power coach Stephanie Bogan of Limitless Advisor gives Mindset Mastery host Marie Swift a formula for creating results that are both energy-producing and revenue-producing. In a nutshell: Success can be draining – but it doesn’t have to be that way. Financial advisors and founders can …

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“The Power of Dialog and Story Listening” with Dr. Preston Cherry - Episode #15 of Mindset Mastery 16:09

3+ y ago16:09

16:09

In Episode #15 of Mindset Mastery, “The Power of Dialog and Story Listening”, a self-proclaimed “story listener,” Preston D. Cherry, Ph.D., CFP® of Concurrent Financial Planning, LLC, talks with Mindset Mastery host Marie Swift about the power of dialog, authenticity, and creating common ground as a way to create more meaningful connections with cl…

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“Aligning Dreams, Desire and Positive Motivation” with Steve Sanduski - Episode #14 of Mindset Mastery 23:19

3+ y ago23:19

23:19

In Episode #14 of Mindset Mastery, “Aligning Dreams, Desire and Positive Motivation,” New York Times best-selling author and industry thought leader, Steve Sanduski, talks with Mindset Mastery host Marie Swift about how people make decisions, the art of storytelling and living your dream as a financial planner today. In a nutshell: Steve says that …

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“Hard Times Call for Soft Skills” with Mitch Anthony - Episode #13 of Mindset Mastery 15:10

4y ago15:10

15:10

In Episode #13 of Mindset Mastery, “Hard Times Call for Soft Skills,” best-selling author and long-time leader of the Life Centered Financial Planning movement, Mitch Anthony, talks with Mindset Mastery host Marie Swift about resiliency, positive psychology, and how financial advisors can better connect with and serve their clients. In a nutshell: …

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"Transition Fatigue and the Post-Pandemic Future" with Susan Bradley - Episode #12 of Mindset Mastery 21:35

4y ago21:35

21:35

In Episode #12 of Mindset Mastery, “Transition Fatigue and the Post-Pandemic Future,” Susan Bradley, who has long been one of the financial life planning profession’s leading lights, talks with Mindset Mastery host Marie Swift about the human condition and how major transitions – such as the pandemic – create both opportunity and challenge for fina…

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"Building a Life by Choice, Not Chance” with Chris Yonker - Episode #11 of Mindset Mastery 22:51

4y ago22:51

22:51

In Episode #11 of Mindset Mastery, "Building a Life by Choice, Not Chance”, Speaker/Author/Coach Chris Yonker talks about reducing stress when we are facing critical, consequential transitions in business or life. His expertise is in helping individuals find out what they want and then creating that in business performance, sales, leadership develo…

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"Stoic Wisdom from a Roman Emperor, Dennis Stearns, CFP®, and 2020 Mindset Mastery Guests” with Marie Swift - Episode #10 of Mindset Mastery 11:45

4y ago11:45

11:45

In Episode #10 of Mindset Mastery, "Stoic Wisdom from a Roman Emperor, Dennis Stearns, CFP®, and 2020 Mindset Mastery Guests”, host Marie Swift recaps the 2020 podcast series and shares her own thoughts and observations about the global pandemic and 2020 business climate. In a nutshell: Marie Swift has been a student of mindset and self-improvement…

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"Productivity and Time Management for Mere Mortals” with Michael Kitces - Episode #09 of Mindset Mastery 23:35

4y ago23:35

23:35

In Episode #09 of Mindset Mastery, "Productivity and Time Management for Mere Mortals”, Marie Swift speaks with speaker/author/advisor Michael Kitces, MSFS, MTAX, CFP®, CLU, ChFC, RHU, REBC, CASL, Head of Planning Strategy for Buckingham Wealth Partners, co-founder of XY Planning Network, and a stakeholder in several additional offerings aimed at h…

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"Creating Demand for You and Your Expertise” with John Bowen - Episode #08 of Mindset Mastery 20:03

4y ago20:03

20:03

In Episode #08 of Mindset Mastery, "Creating Demand for You and Your Expertise", Marie Swift speaks with John Bowen of CEG Worldwide. In a nutshell: John Bowen, founder and CEO of CEG Worldwide, the world’s leading coaching firm for financial advisors, talks about the skills and systems used by some of the top financial planners and investment advi…

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"Benefits of Professional Diversity and Inclusion” with Kate Healy - Episode #07 of Mindset Mastery 20:31

4y ago20:31

20:31

In Episode #07 of Mindset Mastery, "Benefits of Professional Diversity and Inclusion", Marie Swift speaks with Kate Healy of TD Ameritrade Institutional. In a nutshell: Kate Healy – or “Advo-Kate” as she's been dubbed by others in the financial planning profession who appreciate her tireless efforts to diversify the talent pool and create new caree…

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“Playing to Win” with Joe Lukacs - Episode #06 of Mindset Mastery 21:38

4+ y ago21:38

21:38

In Episode #06 of Mindset Mastery, "Playing to Win", Marie Swift speaks with Joe Lukacs of the Magellan Mastermind and Network. In a nutshell: Joe Lukacs – or “Coach Joe” as he has been affectionately dubbed by the members of his financial advisor tribe – tells us how to "create our own economies" by working on our emotional capital and mastering o…

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