Alan Kopit
Related C. JOYBELL C. My concern is many people are having financial difficulties. Personal savings rates are down. There ... JAMES CHESSEN FRANKLIN D. ROOSEVELT (All the grief she had suffered over her lifetime had moulded her face into a mask of eternal sadnes... JEAN SASSON After a period of financial difficulty, people often find themselves with income, savings for a down... JASON SANT It's easy for young or single people to feel like they do not need to maintain any savings, because ... ALAN KOPIT Develop a simple plan to fully identify expenses and match to available savings, income, scholarship... RUTH LYTTON All workers, whether they are employed in the private or public sector, should avoid living 'pay... MARK SKOUSEN CRAIG GROESCHEL The bottom line is this should translate into a savings of several million dollars for the people of... ERIN CAMPBELL How lucky I am to have known somebody and something that saying goodbye to is so damned awful. EVANS G. VALENS GLORIA SWANSON DON CAMPBELL The worth of a person’s quote is in his or her heart where it takes the birth and the value of the... ANUJ SOMANY People can take this time to put money aside for retirement or to start a savings plan. But these ar... TODD MARK It doesn't matter if you've been working hard on something for six months. If you realize a ... YOLANDI VISSER If we all took a minute to reflect upon the wrong we do we would be quite surprised or shocked.Inste... GARY F EVANS... But the Americans have no extra money. They have their own problems. They can provide financial assi... EDUARD SHEVARDNADZE Savings is an important habit. Ideally, I say, we should save 15 percent of income. Ten percent for ... MIKE SULLIVAN PAWAN MISHRA A lot of people who get laid off from corporate jobs end up doing some freelance work, ... But peopl... ERIC TYSON People come to Northwest Arkansas because they hear about the economy. But they end up working a min... HEATHER THORDSEN Plunging in “truths” about God is like walking on the bottom of a sea that is not there, searchi... MARIANA FULGER Part of the challenge in this country is encouraging people to save enough for retirement, but an eq... ELISABETH GEHL Usually they wish for a trip to Disney World. We send the whole family for a whole week. All expense... JANE WALSH 35. God is entitled to a portion of our income—not because He needs it but because we need to give... JAMES C. DOBSON Many African Americans are living less than one paycheck away from hunger. When people hit sudden ha... ERTHARIN COUSIN As far back as history records people thinking, thinking people
have been befuddled by the mysteries... LEWIS N. ROE If you can't afford to buy something, don't put it on the credit card. Put them in a drawer. And pay... BARRY ARMSTRONG The recovery is at least six months further off, perhaps nine months. It is important to remember we... HOMI KHARAS Economics is all about consumption. People either spend money now or they use financial instruments ... ADAM DAVIDSON Life is not a game. Still, in this life, we choose the games we live to play. J.R. RIM (If) the economy is growing at a healthy rate, you can easily accommodate a higher rate of savings. ... CATHY MINEHAN One problem is that they are only looking at a five-year period. If you look at those savings over a... ELIZABETH OUTZ You have a lack of housing in the New Orleans area, utilities out in a good portion of the city, peo... ED PRATT If you've planned a late wedding it may pay to put it off a few days into 2000 because the savings o... ED SLOTT There's no wrong reason to save money, but it's a good idea to think about the basics initially. Fir... ALAN KOPIT From a financial standpoint, it's meaningless. People can buy savings bonds now, AARON HENRY NICHOLAS SPARKS STEPHEN CHBOSKY NICHOLAS SPARKS NICHOLAS SPARKS HARPER LEE HARPER LEE CHLOE THURLOW Regularly using liquid savings to cover normal expenses may indicate you are not planning properly. ... ALAN KOPIT We have to do regular checks of our staff every six months and we have found no lung or any other he... GIRISH LUTHRA Today, health care costs have the potential to significantly erode an individual's retirement saving... BRAD KIMLER GEORGE R.R. MARTIN We can all agree that no American should lose their life savings or their home because of illness or... JUDD GREGG We're not going through an energy crisis, so people aren't focused on the loss of energy as much as ... DAN REICHER People should take every opportunity they can to save money because it really adds up, and the best ... DAVID BACH MOKOKOMA MOKHONOANA ERNEST AGYEMANG YEBOAH A Ritual to Read to Each OtherWILLIAM STAFFORD People don't dream all their lives of escaping the hellish countries they live in and pay their life... SEAN HANNITY Newlyweds should get in the habit early in committing to retirement plans, especially those with mat... HARVIE ROE All of our major businesses can have a short-twitch capability every six to nine months to a long-tw... STEVE BALLMER MARK ZANDI BARBARA EHRENREICH LINDSEY GRAHAM JOSEPH M. KYRILLOS Any job that pays you is a real job, but unless you can make a living on minimum wage, do not settle... ALI BABAR If you have depression and you're 45, waiting six months may have some impact, but it won't likely h... DR. NONI MACDONALD It's a good financial planning tool, ... We're hoping it will help people understand what Social Sec... KENNETH APFEL TIM GRIFFIN The car left. It was a hit and run. All we have is [its side] mirror. They say there should be some ... DENISE JONES For a lot of people, the weekly paycheck is "take-home pay" because home is the only place they can ... CHARLES A. JAFFE NED VIZZINI Personal savings accounts would help achieve equality by letting gay or lesbian partners leave part ... CHRIS BARRON Ants can carry twenty times their own body weight, which is useful information if you're moving out ... RON DARIAN AMERICAN PROVERB No other generation in history has ever had to plan for this long a retirement. Up to 30 years of in... CRAIG BRIMHALL A lot of people have the mistaken assumptions that they have to have a 529 plan for college savings,... JAMES BOYLE MADELEINE M. KUNIN HENRY JAMES JIM COOPER Caring for two premature babies and paying insurance, along with carrying the rest of household expe... HEATHER BROWN MARCO RUBIO Why does their proposal exclude over 100 million Americans from its limited number of protections? .... TOM DASCHLE Investors want to see if the savings are going to justify the hype we're reading about. I don't expe... CHRIS MECRAY VAL UCHENDU We're just not seeing the demand pickup we'd like to see, and we hit a wall on some of the cost savi... ANDY BRYANT Let him who walks in darkness and no light trust in the name of the Lord and rely on his God PEOPLE OF CHRIST NMCRS is an incredibly important safety net for our Sailors and Marines, both active duty and retire... JANE ROSER I believe the time has come for all good actors or all good people associated with films to stop wor... APURVA GAGLANI SUZE ORMAN For less than a dollar a head you put huge smiles on their faces. It makes you feel good to get away... GARY SANDERS It takes a minimum of 11 years before you can start to make a living. This is also probably one of t... DR. MIKE HUTCHINS What we need is to get six or eight months of receipts before we get some feel for whether we have a... RON HOLT It says that [if] the crab industry can't find people to work for minimum wage, they can bring in pe... BAY BUCHANAN They can either take a hit now, which they will with any other lousy job, or take a hit with a chanc... DAN BRUSH NICHOLAS SPARKS She filed the image away as an excellent and insulting question to ask the earl at an utterly inappr... GAIL CARRIGER BARRY RITHOLTZ CRAIG GROESCHEL In the real world, they told you who to be, not the other way around. RHODA BELLEZA Universal had all its heavy hitters lined up for summer months. Warner Brothers didn't have anything... GREGG KILDAY Marlena's body was found on November 19, and so I consider that the anniversary of her death, though... JULIE BUNTIN When you pay a hospital bill, you're really paying two hospital bills - one bill for you because... P. J. O'ROURKE
More Alan Kopit
Regularly using liquid savings to cover normal expenses may indicate you are not planning properly. ... ALAN KOPIT There's no wrong reason to save money, but it's a good idea to think about the basics initially. Fir... ALAN KOPIT It's easy for young or single people to feel like they do not need to maintain any savings, because ... ALAN KOPIT There's no question that there's been a trend towards do-it-yourself divorces, and do-it-yourself la... ALAN KOPIT With recent reforms in U.S. bankruptcy law making it more difficult than ever to erase debt, it's im... ALAN KOPIT Selling is simply the transfer of inthusiasm. ALAN ALAN WATTS I think most people have that crazy uncle they sit at Thanksgiving dinner with: someone they disagre... ALAN COLMES ALAN PERLIS ALAN STERN ALAN BENNETT ALAN BENNETT ALAN BENNETT ALAN BENNETT ALAN BENNETT ALAN BENNETT ALAN BENNETT ALAN BENNETT ALAN BENNETT ALAN BENNETT ALAN BENNETT ALAN BENNETT ALAN BENNETT ALAN BENNETT ALAN BENNETT ALAN BENNETT ALAN BENNETT ALAN BENNETT ALAN BENNETT If you keep yourself alive and current, funny is funny. ALAN KING ALAN TURING ALAN TURING ALAN TURING ALAN TURING ALAN TURING ALAN WALKER Hitler's dictatorship rested on the constitutional foundation of a single law, the Enabling Law. ALAN BULLOCK ALAN WATTS ALAN PERLIS ALAN KAY I'll work overtime to open the doors of opportunity to industry and commerce. ALAN AUTRY ALAN MOORE ALAN MOORE ALAN WATTS ALAN DERSHOWITZ ALAN DERSHOWITZ When a deep injury is done us, we never recover until we forgive. ALAN PATON ALAN GREENSPAN ALAN BALL Period recreation is very difficult unless you make a black-and-white movie. ALAN PARKER ALAN BALL ALAN GREENSPAN ALAN WATTS ALAN MOORE ALAN KAY If we don't re-charge the American Brand, all future challenges - economic, social and political... ALAN SIEGEL ALAN RICKMAN ALAN WATTS ALAN WATTS ALAN WATTS ALAN WATTS ALAN WATTS ALAN WATTS ALAN WATTS ALAN WATTS ALAN WATTS ALAN WATTS ALAN WATTS ALAN WATTS ALAN WATTS ALAN WATTS ALAN WATTS Bureaucracies are inherently antidemocratic. Bureaucrats derive their power from their position in t... ALAN KEYES Arsenal paid a lot of money for him a few years ago but he found it difficult to claim a first-team ... ALAN CURBISHLEY It was a great night for us and a great achievement. Who knows what will happen in the next round. I... ALAN CURBISHLEY There has not really been a lot going on for Stephan, he has not had many saves to make. I want to h... ALAN CURBISHLEY There may be players wanting to leave, and obviously I have a surplus in the forward area, so this w... ALAN CURBISHLEY I like working on things that are very different and that involve different disguises. ALAN CUMMING Actually I like working kind of fast, because if you got it, why bother doing it over and over? ALAN CUMMING It's a sort of anti-Broadway musical. It's odd, disjointed and spiky. ALAN CUMMING Nowadays people don't know how to handle it if all the ends aren't tied up and they're not told what... ALAN CUMMING It's really rare for film directors to be that interested in things other than themselves. ALAN CUMMING It is not hard to feel like an outsider. I think we have all felt like that at one time or another. ALAN CUMMING When Brian went by me, I thought he was some guy that jumped on the course. ALAN CULPEPPER In Athens, I was running in long sleeves and pants in the summertime to acclimate as much as I could... ALAN CULPEPPER ALAN LIGHTMAN At this point, our office is going to prepare to go to trial again, ... We believe the jury will com... ALAN CURRY We haven't made a decision yet. I think there's several options open to us and that's something work... ALAN CURRY Andrea Yates knew precisely what she was doing, ... She knew that it was wrong. ALAN CURRY He has come here to gain experience, and nothing can happen until December anyway. I believe Gary Ne... ALAN CURBISHLEY I left some of the boys out completely to have a rest, ALAN CURBISHLEY We moved in straight away, and although he was publicly linked with other clubs, we were always conf... ALAN CURBISHLEY Danny is a player we have been tracking for some time, but he only became available last week, ALAN CURBISHLEY Claus had one year remaining on his contract and made it clear that he didn't wish to renew his deal... ALAN CURBISHLEY The player wanted to come to us and we are very pleased to welcome him. ALAN CURBISHLEY We don't believe isolated testimony on cross examination by one of our witnesses had such an impact ... ALAN CURRY We are hopeful that we can now finally place our complete focus upon going to trial. ALAN CURRY The case has already been reversed once, so we want to make sure we proceed correctly and appropriat... ALAN CURRY I would anticipate this case is going to have to be retried. ALAN CURRY It's just a matter of our blokes lifting their game. They haven't been playing to their usual standa... ALAN DAVIDSON We?re pleased with the vitality we're seeing in the UK market. Our company accounted for close to a ... ALAN CURTIS One can always hope, but I worry this will be a repeat of that experience. After the 1960 riots, the... ALAN CURTIS [Some found Bush's words reassuring. Others worried that they would not resonate far into the future... ALAN CURTIS But the major mistake is to take the census report as a one-year phenomenon. This is the fourth stra... ALAN CURTIS If anything, the numbers out of the Census Bureau underestimate the problem of poverty in America, ALAN CURTIS This is an unusual case, but the state has previously shown that the defendant knew that her conduct... ALAN CURRY It is kind-of the same issue, but they have added a couple of different elements to it, a couple of ... ALAN CURRY The case was reversed on appeal. She's gotten a new trial. She's gained the relief she's entitled to... ALAN CURRY He had a fool proof plan for not getting a job - In the event of an interview wear flip-flops. ALAN DAVIES I think a lot of people feel it would be a mistake. ALAN DAVIDSON Consumers need to be notified when and what location information is collected, ALAN DAVIDSON Consumers won't use systems they don't trust. Location services monitor movement and habits, somethi... ALAN DAVIDSON From a group that cares about civil liberties and cares about kids, this is the right answer. ALAN DAVIDSON This finding, if it's true, still doesn't change the basic argument we're having about the standards... ALAN DAVIDSON They admitted to making a huge mistake and they said they'd pay the money back, ... They showed some... ALAN DAVIDSON it was a mixed day for the Internet on Capital Hill. ALAN DAVIDSON We ought to build systems that encourage 911 location services but that are not just personal tracki... ALAN DAVIDSON I think there are huge land mines with wireless ahead. ALAN DAVIDSON It's been a long time coming. Thank God for this day. ALAN CROTZER Here I am trying to build a life and I have nothing to build it with. It's wrong, just wrong. ALAN CROTZER If you really want the truth, leave no stone unturned. ALAN CROTZER There ain't no compensation for what they done to me. But I'm not bitter. ALAN CROTZER Especially when it comes to sex offenses, history is a big predictor of the future, ALAN CROPSEY When he was in the United States Senate, he was noted as an intellectual powerhouse, ALAN CROPSEY Our rights are not given to us by society, ... My view is that our rights come from God. We start ou... ALAN CROPSEY He's a very formidable personality when it comes to Washington, D.C. ALAN CROPSEY When you have a chance to make plays and don't, you can almost be assured the final score will not f... ALAN CRAWFORD You must give Campbell credit. When we had runners in scoring position, they either made plays or th... ALAN CRAWFORD Look, we have that problem solved, because there are only three of them in the Olympics. We got 187 ... ALAN CULPEPPER The Olympic Games tends to be a little more of a coming together of all the nations, so it's differe... ALAN CULPEPPER Our sport needs spectator friendly and all the help it can get on that side. That adds to the allure... ALAN CULPEPPER There was a moment there when we were getting concerned, ALAN CULPEPPER Most countries around the world, they just don't think that way. They think, 'I'm just going to get ... ALAN CULPEPPER I feel like the bad conditions and the tough course is to my advantage, just because a lot of people... ALAN CULPEPPER Every time we tried to get going there was some factor -- weather, wind or turns. I think we all suf... ALAN CULPEPPER For Athens and Boston, I had really prepared for tough conditions, whereas here you can just prepare... ALAN CULPEPPER Basically I'm from the old school. We try to score one run an inning in any fashion. A lot of times ... ALAN CRAWFORD Our defense has been real inconsistent. We've got five weeks to fix it. Hopefully by district tourna... ALAN CRAWFORD They're nice kids to coach. They work hard. They hit their spots. They don't try to strike everybody... ALAN CRAWFORD I don't think just scaring people is enough. That worked during the freeze days to a major extent, b... ALAN CRANSTON I don't feel any need for redemption. I'm satisfied with what I did in the Senate. I don't look back... ALAN CRANSTON I don't think there's any one definition, but to do effective political work you have to have vision... ALAN CRANSTON Unless you have a sense of values that's shared by people and turns them loose to do certain things ... ALAN CRANSTON The idea of being a foreign correspondent and wandering the world and witnessing great events, havin... ALAN CRANSTON The American people are much more concerned about taxes, welfare, the deficit, crime, education, dru... ALAN CRANSTON It's important to recognize that many people working together can do things which individuals workin... ALAN CRANSTON There will always be nations. The United States will last a long, long time, I believe. France and G... ALAN CRANSTON For [customers] it means that they can shop for 'Linux applications' without having to worry about w... ALAN COX I do enjoy grinning manically at passing people while waving an axe around attempting to kill off un... ALAN COX What matters are the applications. ALAN COX I'm going to Disneyland! ALAN COX It's all right to cry. It's all right to hurt. It's all right to be confused, ... Hope will rebuild ... ALAN COX He's a great kid. ALAN COX They put over 100 million gates/transistors on a tiny piece of silicon. On that piece of silicon the... ALAN COX I figure lots of predictions is best. People will forget the ones I get wrong and marvel over the re... ALAN COX Live fast, die old, and make very sure everyone knows you were there. ALAN COX The promoter is all you need for activation and silencing. It's the main site of action where everyt... ALAN COWMAN The promoter is all you need for activation and silencing. It's the main site of action where everyt... ALAN COWMAN The promoter is all you need for activation and silencing. ALAN COWMAN This is the first time anyone has actually been able to infiltrate an antigenic variation program. W... ALAN COWMAN It's like a leopard being able to change its spots. New forms come up, and the immune system beats t... ALAN COWMAN I still believe there's someone out there for our film. ALAN COOKE If we'd made it in the conventional way, we would have lost a lot of the feeling that came from thin... ALAN COOKE We wanted to make something that spoke from the heart to the heart. ALAN COOKE From the beginning there was an element of fate about the project. ALAN COOKE It's an individual taking a journey, that's the perspective. It happened here, but it could happen a... ALAN COOKE In the 13 years I served, we never had a problem. But I feel we are going downhill. ALAN COOKE We know it's going to be a difficult challenge, we're under no illusion. ALAN COOKE It is a niche opportunity for National Savings, it won't have a big impact on us. ALAN COOK Ultimately, they still had to sell. You have to give them credit for realizing they weren't going to... ALAN COOK The problem before was that the chapter was in over its head with this building, ALAN COOK In our discussions, part of the plan is to put into writing a memorandum of understanding that the m... ALAN COOK He likes to dribble a lot, ... so I told our defenders to just stay on his back, don't let him turn.... ALAN COOK All of the paintings in the Museum Art Online collection are known to have a status of world-wide fa... ALAN COOK If what you are claiming is true, I would have shouted it from the rooftops. I would have gone to th... ALAN COLMES If what you are claiming is true, I would have shouted it from the rooftops. I would have gone to th... ALAN COLMES You know what bothers me more? Whether or not a member of the White House leaked the identity of a C... ALAN COLMES sure beats being plucked off the top of your home by a helicopter. ALAN COLMES I take personal responsibility. ALAN COLMES Also, interestingly enough, some of the things he was accused of believing ...actually were not his ... ALAN COLMES the real smear here, is against the Democrats who are held up as these evil people... Heaven forbid ... ALAN COLMES I still believe that the Democrats have it right about health care, education, the war in Iraq and, ... ALAN COLMES Genius, scholar, and war hero though he is, you have to admit - or maybe you should think about admi... ALAN COLMES Democrats need to be not only gracious in defeat, but positive about the future. ALAN COLMES Can we make money from this? That remains to be seen. ALAN COLMAN Singapore is gaining a lot of credibility as a good place to work. It has actually been easier for m... ALAN COLMAN It has undoubtedly harmed the image not just in Singapore, where I directly feel it has impacted our... ALAN COLMAN Although Singapore has a relatively limited pool of scientists as compared to the U.K., it has maxim... ALAN COLMAN They are a big catch. They are prominent researchers, very successful in the U.S.. ALAN COLMAN Practice, it is said, makes perfect. But is it ethical to practice? And I absolutely think it is not... ALAN COLMAN There has been a fairly marked recovery in retail demand that has created a slightly greater lift in... ALAN COLE There are other kitchens running locally, but you know there are lots of folks who may not get the r... ALAN COLE We got an e-mail before we got here and the Red Cross needs 300,000 meals a day for 90 days and poss... ALAN COLE We had a lot of trouble at the Grove and the guys stayed up all night getting the cars ready to come... ALAN COLE I saw Keith there at the end so I guess he was pretty close. Charlie gives us real good stuff and I ... ALAN COLE I've been coming here a long time trying to win one of these fair races. It's real nice to finally g... ALAN COLE This was a goal of mine for a long time. To come over here and win a Fair race. My owner gives us wh... ALAN COLE You need not wrestle for your good. Your good flows to you most easily when you are relaxed, open, a... ALAN COHEN How good can you let it get? ALAN COHEN Guilt: punishing yourself before God doesn't. ALAN COHEN
I am often asked how it is that I am able to value people to such a deep degree. Apparently, I exhib... 
If the Nation is living within its income, its credit is good. If, in some crises, it lives beyond i... 
Most of us think we're too busy or too important to rest for a day. 
All creative people should be required to leave California for three months every year. 
You might pay 20 percent less for a car than you normally would, and for a car that is worth $25,000... 
Like a deep sad note
Eventually I came across another passage. This is what it said:
To kill a mockingbird. If you haven't read it, I think you should because it is very interesting. 
I will never forget the vision of Jamie walking towards me. 
You don't have to learn much out of books, it's like if you want to learn about cows, you go milk on... 
You can't really get to know a person until you get in their shoes and walk around in them. 
Some people never take a chance and never know what it's like to live life to the full. 
History is a wheel, for the nature of man is fundamentally unchanging. What has happened before will... 
Some people who have been working out regularly for months or even years are still out of shape beca... 
May I never neither turn left nor turn right in my journey of life, but may I go straight to Christ ... 
Lenders look at potential borrowers from many angles before extending credit: How much of its income... 
How hard can this be? If I go out there with a good résumé - which I created - looking for a PR jo... 
There's so much opportunity here to go back into the budget and extract some savings to help pay for... 
What middle-income Americans want most of all is a job. We need a generous safety net for the most v... 
We ought to be incentivizing people to save more of their own money for use taking care of their hea... 
I like how you don't hide your problems like everyone else, and I don't have to hide mine when I'm a... 
It takes nine months to have a baby, no matter how many people you put on the job 
One reason the United States is one of three countries in the world that do not have any form of pai... 
You must save what you can of your life; you musn't lose it all simply because you've lost a part. 
It's not just that families can't buy a home or start a business without some savings tucked... 
One way to make health care more affordable is a Flexible Savings Account that allows families to sa... 
Loss is like a wind, it either carries you to a new destination or it traps you in an ocean of stagn... 
Money you know you need or want to spend in the next few years is savings. Money you keep handy for ... 
Much of the traditional thinking about cash is well intentioned but unrealistic. Should you have six... 
The best thing you can do for your kids is to show them God working in you on a daily basis. 
No valid plans for the future can be made by those who have no capacity for living now. 
Fools ignore complexity. Pragmatists suffer it. Some can avoid it. Geniuses remove it. 
Even in our deep ocean, there are ecosystems at work with no light whatsoever down in the deepest po... 
Cancer, like any other illness, is a bore. 
I always feel over-appreciated but underestimated. 
I didn't even have a clear idea of why I wanted to go to Oxford - apart from the fact I had fall... 
I have such a stressful job that the only way I can get it out of my mind is by running hard. 
I have had a dream indicating rather clearly that I am on the way to being hetero, though I don'... 
I want a permanent relationship, and I might feel inclined to reject anything which of its nature co... 
I want to enjoy not getting recognised while it lasts. But the mask is a symbol of unity. Anyone can... 
The ego is nothing other than the focus of conscious attention. 
In software systems it is often the early bird that makes the worm. 
People who are really serious about software should make their own hardware. 
Life is a lot more interesting if you are interested in the people and the places around you. So, il... 
I like Jacques Derrida; I think he's funny. I like my philosophy with a few jokes and puns. I kn... 
Hypocrisy is not a way of getting back to the moral high ground. Pretending you're moral, saying... 
You have to really stretch your imagination to infer what the intrinsic value of Bitcoin is. I haven... 
I was conveniently bisexual for a long time, and then I went, 'Come on, who am I kidding?' A... 
Fear and euphoria are dominant forces, and fear is many multiples the size of euphoria. Bubbles go u... 
And although our bodies are bounded with skin, and we can differentiate between outside and inside, ... 
Most software today is very much like an Egyptian pyramid with millions of bricks piled on top of ea... 
On the screen were some flashback shots of Daniel, Emma and Rupert from ten years ago. They were 12.... 
If I were not a writer, I would spend more time doing the things that I am already doing, which incl... 