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Re: FORUM REACHES 2,000,000 POSTS TODAY

Wait you're not even going to show us which post it was? Mel, Taylor, Alex, and all, congratulations and thanks for a great and growing forum. And I agree with placeholder: show us post NO. 2,000,000. The 2 millionth post on the forum was made on Tue Apr 22, 2014 1:20 pm by Novine in the thread Mr....
by Barry Barnitz
Tue Apr 22, 2014 3:09 pm
 
Forum: Forum Issues and Administration
Topic: FORUM REACHES 2,000,000 POSTS TODAY
Replies: 52
Views: 1579

Blog: David Swensen portfolio (from Unconventional Success)

Continuing a series of blog posts examining lazy portfolios's - Bogleheads , we have a new blog posting, David Swensen’s portfolio (from Unconventional Success) | Bogleheads® Blog . David Swensen, investment manager of the Yale University Endowment Fund, has addressed how investors should set up and...
by Barry Barnitz
Tue Apr 22, 2014 3:25 am
 
Forum: Investing - Theory, News & General
Topic: Blog: David Swensen portfolio (from Unconventional Success)
Replies: 2
Views: 606

Re: Blog:William Bernstein’s Coward’s Portfolio

Extended quotes defining the notion of the "Coward's": (The above graph covers the 1973-94 period, with annual portfolio rebalancing.) What does this hieroglyph tell us about the optimal disposition of one's equity assets between foreign and domestic securities? Not much, unfortunately. P...
by Barry Barnitz
Mon Apr 21, 2014 2:26 pm
 
Forum: Investing - Theory, News & General
Topic: Blog:William Bernstein’s Coward’s Portfolio
Replies: 30
Views: 4655

Blog:William Bernstein’s Coward’s Portfolio

Hi: Continuing a series of blog posts examining lazy portfolios's - Bogleheads , we have a new blog posting, William Bernstein’s Coward’s Portfolio | Bogleheads® Blog . William Bernstein, investment manager and author, first introduced a version of his “Coward’s portfolio” in 1996. The “coward” refe...
by Barry Barnitz
Fri Apr 18, 2014 6:19 pm
 
Forum: Investing - Theory, News & General
Topic: Blog:William Bernstein’s Coward’s Portfolio
Replies: 30
Views: 4655

Friday blog review April 18, 2014

Here is our weekly Friday blog review for April 18, 2014.

Friday blog review April 18, 2014 | Bogleheads® Blog

Bloggers in this week's selection include:

The Finance Buff
Oblivious Investor
Rick Ferri
Allan Roth
Larry Swedroe
The White Coat Investor
SSRN

regards,
by Barry Barnitz
Fri Apr 18, 2014 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: Friday blog review April 18, 2014
Replies: 1
Views: 325

Blog:Frank Armstrong Ideal Index portfolio

Hi: Continuing a series of blog posts involving "lazy portfolios" we have a new blog posting Frank Armstrong Ideal Index portfolio | Bogleheads® Blog Frank Armstrong III, investment advisor and author, offers the following seven fund “Ideal Indexed” portfolio in his book, The Informed Inve...
by Barry Barnitz
Thu Apr 17, 2014 4:22 am
 
Forum: Investing - Theory, News & General
Topic: Blog:Frank Armstrong Ideal Index portfolio
Replies: 2
Views: 455

Blog: The Coffeehouse portfolio

Hi: Continuing a series of blog posts involving "lazy portfolios" we have a new blog posting: The Coffeehouse portfolio | Bogleheads® Blog The Coffeehouse portfolio is an indexed seven-fund portfolio popularized by financial planner and author Bill Schultheis. The portfolio contains the fo...
by Barry Barnitz
Mon Apr 14, 2014 2:45 pm
 
Forum: Investing - Theory, News & General
Topic: Blog: The Coffeehouse portfolio
Replies: 1
Views: 888

Blog:Perceptions On Investing – Risk, 3rd in the Series

Hi: Our most recent blog article, Perceptions On Investing – Risk, 3rd in the Series | Bogleheads® Blog , is now posted. In the first two articles of this series we focused on attitude and behavior. Investor behavior has far-reaching influence and maybe no where is it more clear than in dealing with...
by Barry Barnitz
Fri Apr 11, 2014 6:38 pm
 
Forum: Investing - Theory, News & General
Topic: Blog:Perceptions On Investing – Risk, 3rd in the Series
Replies: 1
Views: 239

Friday blog review April 11, 2014

Here is our weekly Friday blog review for April 4, 2014.

Friday blog review April 11, 2014 | Bogleheads® Blog

Bloggers in this week's selection include:

The Finance Buff
Oblivious Investor
Rick Ferri
Coffeehouse Investor
The White Coat Investor
SSRN

regards,
by Barry Barnitz
Fri Apr 11, 2014 10:14 am
 
Forum: Investing - Theory, News & General
Topic: Friday blog review April 11, 2014
Replies: 1
Views: 223

Blog: Total World Index and the two fund portfolio

Hi:

Latest blog post: Vanguard Total World Stock Index Fund and a two-fund portfolio | Bogleheads® Blog.

The entry examines regional stock allocations, expenses, and the brief five year period of returns since the inception of the global equity index fund.

regards,
by Barry Barnitz
Thu Apr 10, 2014 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: Blog: Total World Index and the two fund portfolio
Replies: 3
Views: 726

Friday blog review April 4, 2014

Hi:

Here is our weekly Friday blog review for April 4, 2014.

Friday blog review April 4, 2014 | Bogleheads® Blog

Bloggers in this week's selection include:

The Finance Buff
Oblivious Investor
Rick Ferri
Coffeehouse Investor
The White Coat Investor
SSRN

regards,
by Barry Barnitz
Fri Apr 04, 2014 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: Friday blog review April 4, 2014
Replies: 1
Views: 338

Re: "Financial Ramblings" Three Fund Portfolio

Bogleheads: A nice article about assembling a Three Fund Portfolio: Investing With A Three Fund Portfolio Best wishes. Taylor That is a nice article on the Three Fund Portfolio. It is good to see how popular this portfolio is becoming. Thank you for sharing Taylor. Here is another instance, Relentl...
by Barry Barnitz
Thu Apr 03, 2014 11:20 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 749
Views: 258591

Friday blog review for March 28, 2014

Hi:

Here is our weekly Friday blog review for March 28, 2014.

Friday blog review March 28, 2014 | Bogleheads® Blog

Bloggers in this week's selection include:

The Finance Buff
Oblivious Investor
Rick Ferri
The White Coat Investor

regards,
by Barry Barnitz
Fri Mar 28, 2014 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: Friday blog review for March 28, 2014
Replies: 0
Views: 197

Blog: Perspectives on Investing — Behavioral pitfalls

Hi: The second in a series of Perspectives on investing has been published on our blog: Perspectives on Investing — Behavioral pitfalls In this article, we look at some specific behavioral errors that cause investors to end up with substantially less in their portfolio due to self-imposed return sli...
by Barry Barnitz
Fri Mar 28, 2014 3:50 am
 
Forum: Investing - Theory, News & General
Topic: Blog: Perspectives on Investing — Behavioral pitfalls
Replies: 0
Views: 191

Scwab cuts expenses on international etfs

Hi: Schwab has cut expenses on its emerging markets and small cap international etfs, see Regulatory filing with SEC . The emerging markets etf ( SCHE- tracking the FTSE Emerging Index) drops 1 basis point from 0.15% to 0.14%. The international small cap etf (SCHC- tracking the FTSE Developed ex-US ...
by Barry Barnitz
Tue Mar 25, 2014 3:32 pm
 
Forum: Investing - Theory, News & General
Topic: Scwab cuts expenses on international etfs
Replies: 5
Views: 779

Re: Really confused by Bernstein

Hi:

Background material: Life-cycle finance-Bogleheads, wiki
Plus this forum discussion

regards,
by Barry Barnitz
Mon Mar 24, 2014 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: Really confused by Bernstein
Replies: 168
Views: 12901

Blog: Vanguard US bond funds and investor fund flows

Hi: A new blog article has been posted: Vanguard US bond funds and investor fund flows | Bogleheads® Blog In 2013 interest rates on US bonds rose, as shown by bell weather treasury bond yields ... We will explore how this rise in yields affected Vanguard bond fund returns, and how investors reacted ...
by Barry Barnitz
Sun Mar 23, 2014 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: Blog: Vanguard US bond funds and investor fund flows
Replies: 4
Views: 919

Friday blog review for March 21, 2014

Hi:

Here is our weekly Friday blog review for March 21, 2014.

Friday blog review March 14, 2014 | Bogleheads® Blog

Bloggers in this week's selection include:

The Finance Buff
Oblivious Investor
Rick Ferri
The Coffeehouse Investor
The White Coat Investor
SSRN

regards,
by Barry Barnitz
Fri Mar 21, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: Friday blog review for March 21, 2014
Replies: 0
Views: 168

Re: Do you consider Vanguard Total Market to be 100% stocks?

Hi: According to the December 31, 2013 annual report, the managers of the Vanguard Total Stock Market Index fund has the following note: The fund invests a portion of its cash reserves to equity markets through the use of index futures contracts. After giving effect to futures instruments, the fund'...
by Barry Barnitz
Wed Mar 19, 2014 4:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you consider Vanguard Total Market to be 100% stocks?
Replies: 15
Views: 2417

Blog:Perspectives on Investing

We have a new article posted on the blog, Perspectives on Investing - first in a series of articles on investing basics.

What makes the average person a better than average investor? The answer is doing just a few things right.


regards,
by Barry Barnitz
Mon Mar 17, 2014 8:12 pm
 
Forum: Investing - Theory, News & General
Topic: Blog:Perspectives on Investing
Replies: 0
Views: 258

Blog: 2014 Bogleheads Conference Update

Hi: Latest update regarding the upcoming Bogleheads Conference: 2014 Bogleheads Conference Update | Bogleheads® Blog It’s that time of the year again when we make the Bogleheads Conference announcement and Bogleheads start signing up to attend this year’s event, which will be held in Philadelphia on...
by Barry Barnitz
Fri Mar 14, 2014 9:30 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Blog: 2014 Bogleheads Conference Update
Replies: 6
Views: 838

Blog article: Core Four portfolios:

Hi:

New blog posting: Core Four portfolios | Bogleheads® Blog

Core four portfolios are simple indexed portfolios that allocate assets across four asset class mutual or exchange-traded funds.


The post takes a look at Vanguard core four and Rick Ferri Core Four asset allocations.

regards,
by Barry Barnitz
Fri Mar 14, 2014 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: Blog article: Core Four portfolios:
Replies: 13
Views: 2096

Blog: This week on the Wiki March 14, 2014

Hi:

A report on this week's wiki activity can be found on our blog report:

This week on the Wiki March 14, 2014 | Bogleheads® Blog

Two new pages:
1. Life cycle finance
2. Video: Learn Bond Basics in Minutes.

regards,
by Barry Barnitz
Fri Mar 14, 2014 1:16 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Blog: This week on the Wiki March 14, 2014
Replies: 1
Views: 250

Friday blog review- March 14, 2014

Hi:

Here is our weekly Friday blog review for March 14, 2014.

Friday blog review March 14, 2014 | Bogleheads® Blog

Bloggers in this week's selection include:

The Finance Buff
Oblivious Investor
Rick Ferri
The White Coat Investor
SSRN

regards,
by Barry Barnitz
Fri Mar 14, 2014 12:22 pm
 
Forum: Investing - Theory, News & General
Topic: Friday blog review- March 14, 2014
Replies: 0
Views: 250

Re: Three fund portfolio - the evolution?

, quoted, in part I understand that Certified Financial Planners (CFPs) in Vanguard's Personal Service are now recommending the Three Fund Portfolio for most clients. Its time has come. Best wishes. Taylor That may be why the recommendations of funds that Vanguard provides to folks using its Get Yo...
by Barry Barnitz
Tue Mar 11, 2014 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: Three fund portfolio - the evolution?
Replies: 13
Views: 3114

Blog post on Bogleheads Financial Project:

Hi: Special thanks to neurosphere for spreading the word about the Bogleheads Financial Project for those tasked with teaching investment concepts. Here is the new blog post: Bogleheads® Financial Literacy Project . Many Bogleheads, myself included, have noticed we often have opportunities to educat...
by Barry Barnitz
Mon Mar 10, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Blog post on Bogleheads Financial Project:
Replies: 0
Views: 232

Blog: Vanguard Personal Advisor Services

Hi: We have a new page on the blog, Vanguard Personal Advisor Services Manages Your Accounts At An Affordable Price | Bogleheads® Blog . This is interesting, and perhaps, important news for the investing public. Many investors find both the asset minimum and the fee for Vanguard Asset Management Ser...
by Barry Barnitz
Sat Mar 08, 2014 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: Blog: Vanguard Personal Advisor Services
Replies: 23
Views: 4043

Vanguard files for active fund ETFs

Hi: News release: Vanguard seeks SEC permission to issue actively managed ETFs | Reuters Vanguard Group, the No. 1 U.S. mutual fund company, on Friday took a step towards offering exchange-traded fund versions of dozens of its well-known actively managed mutual funds....These could include its Vangu...
by Barry Barnitz
Fri Mar 07, 2014 3:51 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard files for active fund ETFs
Replies: 21
Views: 1526

Blog article: S&P and Russell drop BDCs

Hi:

Latest blog article on the decision by S&P and Russell to drop Business Development Companies (DBCs) from their standard indexes (S&P400, S&P 600, and Russell 2000).

Russell and S&P drop Business Development Companies from indexes | Bogleheads® Blog

regards,
by Barry Barnitz
Fri Mar 07, 2014 12:15 pm
 
Forum: Investing - Theory, News & General
Topic: Blog article: S&P and Russell drop BDCs
Replies: 2
Views: 284

Friday blog review- March 7, 2014

Hi: Just in case you have not been following our rotating News and blogs - Bogleheads rss feeds, here is our weekly Friday blog review for March 7, 2014. Friday blog review March 7, 2014 | Bogleheads® Blog Bloggers in this week's selection include: The Finance Buff Oblivious Investor Rick Ferri Coff...
by Barry Barnitz
Fri Mar 07, 2014 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: Friday blog review- March 7, 2014
Replies: 0
Views: 150

Re: The Three Fund Portfolio

HI:

Taylor's initial post is now available to a wider web audience: The Three Fund Portfolio | Bogleheads® Blog

regards,
by Barry Barnitz
Thu Mar 06, 2014 7:27 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 749
Views: 258591

Re: Welcome to the Bogleheads Blog

Hi all:

Mel Lindauer has written an announcement page for the blog, which includes a retrospective overview of the Bogleheads. Check out Welcome to the Bogleheads Blog.

regards,
by Barry Barnitz
Wed Mar 05, 2014 9:29 pm
 
Forum: Investing - Theory, News & General
Topic: WELCOME TO THE BOGLEHEADS BLOG.
Replies: 3
Views: 878

Re: JOHN BOGLE'S NOMINATION FOR PRESIDENTIAL MEDAL OF FREEDO

Hi:

In an attempt to reach a wider audience, we have posted this project on the Bogleheads Blog.

See John Bogle nomination for the Presidential Medal of Freedom.

regards,
by Barry Barnitz
Wed Mar 05, 2014 9:20 pm
 
Forum: Investing - Theory, News & General
Topic: JOHN BOGLE'S NOMINATION FOR PRESIDENTIAL MEDAL OF FREEDOM
Replies: 43
Views: 4452

Re: Advisors have 4 ways to produce 3% alpha

Hi: Here is the white paper from Vanguard Institutional: Vanguard - Advisor's alpha The traditional value proposition for many advisors has been based on their investment acumen and their prospects for delivering better returns than those of the markets. No matter how skilled the advisor, the path t...
by Barry Barnitz
Wed Mar 05, 2014 10:40 am
 
Forum: Investing - Theory, News & General
Topic: Advisors have 4 ways to produce 3% alpha
Replies: 16
Views: 2038

Re: Bogleheads.org Home Page Updated

Hi:

In addition to the "homepage" revisions, one additional site has seen major revisions:

Recommended Reading.

regards,
by Barry Barnitz
Mon Mar 03, 2014 9:06 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9140

Vanguard white papers: [Behavioral effects, Global equities]

Hi: Vanguard Institutional has posted a number of new white papers. Vanguard - Behavioral effects and indexing for participants The index exposure of participants in Vanguard-administered defined contribution (DC) plans has risen sharply as index-based target-date funds have gained prominence in DC ...
by Barry Barnitz
Sun Mar 02, 2014 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard white papers: [Behavioral effects, Global equities]
Replies: 2
Views: 369

Blog report: This week on the wiki (3/1/14)

Hi:

A report on this week's wiki activity can be found on our blog report:

This Week on the Wiki: March 1, 2014 | Bogleheads® Blog

regards,
by Barry Barnitz
Sat Mar 01, 2014 5:34 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Blog report: This week on the wiki (3/1/14)
Replies: 0
Views: 247

Re: Friday blog review- February 28, 2014

Hi tfb:

We are working on integrating the blog into bogleheads.org. as host. We hope to have many full fledged authors and contributors.

regards,
by Barry Barnitz
Fri Feb 28, 2014 6:21 pm
 
Forum: Investing - Theory, News & General
Topic: Friday blog review- February 28, 2014
Replies: 4
Views: 498

Re: Friday blog review- February 28, 2014

Result of link clicking: This is somewhat embarrassing, isn’t it? It seems we can’t find what you’re looking for. Perhaps searching, or one of the links below, can help. http://bogleheads.wordpress.com/2014/02/28/friday-blog-review-february-28-2014/ Updated link in OP ----> Friday blog review Febru...
by Barry Barnitz
Fri Feb 28, 2014 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: Friday blog review- February 28, 2014
Replies: 4
Views: 498

Friday blog review- February 28, 2014

Hi: Just in case you have not been following our rotating News and blogs - Bogleheads rss feeds, here is our weekly Friday blog review for February 28, 2014. Friday blog review February 28, 2014 | Bogleheads® Blog Bloggers in this week's selection include: The Finance Buff Oblivious Investor Rick Fe...
by Barry Barnitz
Fri Feb 28, 2014 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: Friday blog review- February 28, 2014
Replies: 4
Views: 498

Re: Suggestions for the Wiki

Peculiar_Investor wrote:I find it very curious that there isn't an .Index fund page on the wiki.


Here is the page: Indexing - Bogleheads.

regards,
by Barry Barnitz
Thu Feb 27, 2014 10:44 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 245
Views: 65456

Re: 401(k) S&P500 Stock Index Fund that doesn't pay dividend

So, I've got one (1) broad market index fund in my 401k that is called SSgA S&P 500 Index SL-III - one would think is like SSgA's generally available fund under ticker SVSPX. It's the lowest cost by far of anything in my selections, so I have a fair bit in that investment. What I noticed last y...
by Barry Barnitz
Thu Feb 27, 2014 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401(k) S&P500 Stock Index Fund that doesn't pay dividends
Replies: 29
Views: 1711

Re: 401(k) S&P500 Stock Index Fund that doesn't pay dividend

Hi: The SSgA S&P 500 Index SL-III is what is known as a Collective Investment Trust. These entities are commonly used in pension plans. See Collective Investment Trusts - Bogleheads . Vanguard offers many of these for pension and 401-k clients: see Vanguard - Quarter-end performance . regards,
by Barry Barnitz
Thu Feb 27, 2014 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401(k) S&P500 Stock Index Fund that doesn't pay dividends
Replies: 29
Views: 1711

New article: Global investment portfolios

Hi: New article: Global investment portfolios | Bogleheads® Blog The Credit Suisse Global Investment Yearbook 2014 is now available for download from Publications – Credit Suisse. The yearbooks are an extension of the research of Elroy Dimson, Paul Marsh, and Mike Staunton, first published in the 20...
by Barry Barnitz
Wed Feb 26, 2014 4:46 am
 
Forum: Investing - Theory, News & General
Topic: New article: Global investment portfolios
Replies: 2
Views: 580

Re: FORUM'S UPCOMING 7TH BIRTHDAY

Hi: Although we are three months shy of our May 9 initiation date for the 6th anniversary of the wiki, here are our current numbers: * The wiki has 199 editors, 14 of whom have been active over the past 30 days. * Editors have created 778 content pages, and a grand total of 3,417 pages including tal...
by Barry Barnitz
Thu Feb 13, 2014 5:16 am
 
Forum: Investing - Theory, News & General
Topic: FORUM'S UPCOMING 7TH BIRTHDAY
Replies: 23
Views: 1346

Vanguard Institutional: Flexible asset allocation funds

Hi: Vanguard Institutional has issued a new white paper evaluating the returns of flexible asset allocation funds, also known as "go anywhere funds", total return, or unconstrained funds. The study measures performance over the period January 1, 1998– June 30, 2013. Vanguard - An analysis ...
by Barry Barnitz
Sun Feb 09, 2014 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Institutional: Flexible asset allocation funds
Replies: 2
Views: 451

Re: Any Hungarian, Polish, Argentinian, Portuguese Boglehea

Hi: Here are some common elements (in reverse time order, most recent (2013) to further back (2008): Portugal plunders pension fund to tackle debt cliff | Reuters Polish Parliament Approves Pension-Fund Revamp to Cancel Bonds - Bloomberg Hungary Follows Argentina in Pension-Fund Ultimatum, `Nightmar...
by Barry Barnitz
Sat Feb 08, 2014 5:11 am
 
Forum: Investing - Theory, News & General
Topic: Any Hungarian, Polish, Argentinian, Portuguese Bogleheads?
Replies: 15
Views: 1705

Re: madsinger monthly report (January 2014)

Hi:
We have created a new page in the wiki, devoted to consolidating madsinger's monthly reports for easier access. Here is the current early status of the page: Madsinger monthly reports - Bogleheads.

regards,
by Barry Barnitz
Thu Feb 06, 2014 7:23 am
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2014)
Replies: 32
Views: 3103

Re: Advisors have 4 ways to produce 3% alpha

Hi: According to Investment News , Vanguard will be issuing a white paper report on this topic net month. The report, due out next month, comes from a team headed up by Francis Kinniry, a principal in Vanguard's investment strategy group. “We wanted to put a quantitative value around the tools in an...
by Barry Barnitz
Wed Jan 29, 2014 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Advisors have 4 ways to produce 3% alpha
Replies: 16
Views: 2038

Re: The Three Fund Portfolio

HI: Allan Roth - Bogleheads makes the case for the three-fund portfolio in Roth: Simple ETF Strategies Work . I’ve long said that a simple three-fund portfolio will beat the vast majority of investors. This simple portfolio can easily be constructed with ETFs from families such as Vanguard, iShares ...
by Barry Barnitz
Wed Jan 29, 2014 3:53 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 749
Views: 258591
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