Search found 212 matches

by dougger5
Sun Nov 05, 2017 6:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or not to Avatar . . how did you choose or not choose?
Replies: 115
Views: 5223

Re: To Avatar or not to Avatar . . how did you choose or not choose?

I have an avatar because, well, all the cool kids on the board do. And as cited already, it makes it easy to spot my own posts. The "5" in my SN is the "1337"-ized "S". But for some reason, in choosing my avatar, I focused on the "5" as a number. GIS'd various images of it, and chose this one. So no...
by dougger5
Thu Oct 26, 2017 10:02 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 28284

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

I could not get the top off of the mug - tried and tried and tried - tried heating it under a hot running top, used towels etc. Eventually I regretfully gave up and it is in the trash - to be collected today! It was a bit of a bear. Had to apply hard torque with my hand, with periodic rests, until ...
by dougger5
Tue Oct 24, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 4814

Re: What service do you pay for that you could easily do yourself?

Ah, but I don't need to drive up on ramps, remove my lower splash plate and bend down to open a quick drain for every oil change. Or worry that the quick drain might fail and release the entire oil pan contents while driving. It can happen: https://www.bobistheoilguy.com/forums/ubbthreads.php?ubb=s...
by dougger5
Mon Oct 23, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 4814

Re: What service do you pay for that you could easily do yourself?

Oil change / filter replacement is about the one thing I do do myself. I have a Subaru Crosstrek, and I've replaced the drain plug with a Fumoto Valve. I stick a hose on that, open the valve, and drain 'er out. The filter on this vehicle is mounted upside-down right on top of the engine, so real ea...
by dougger5
Mon Oct 23, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 4814

Re: What service do you pay for that you could easily do yourself?

Letting them change my car cabin air filter. There is some sort of scam in the "change cabin air filter" business. Several years back I had my car in for service and while in the waiting room the service manager came out with a dirty filter to show me and recommended it be changed. I asked how much...
by dougger5
Sun Oct 22, 2017 10:37 am
Forum: Investing - Theory, News & General
Topic: Revised Version The Little Book of Common Sense...
Replies: 31
Views: 3901

Re: Revised Version The Little Book of Common Sense...

Also received the notice and confirmed that I will wait however long it takes. Any way to get a signed copy? :) Attend Bogleheads 2018. They had copies of the new version for us to purchase this year ($10) and Jack was gracious-enough to sign them. And the conference is a great way to get Jack's au...
by dougger5
Sat Oct 21, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 4814

Re: What service do you pay for that you could easily do yourself?

Letting them change my car cabin air filter.

It's fairly easy, but that one strut with the damper cylinder that lets the glove box down gently - it's a bit fiddly to get that re-attached correctly.
by dougger5
Sat Oct 14, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing: Appraisal Value Lowered During Underwriting
Replies: 14
Views: 1166

Re: Refinancing: Appraisal Value Lowered During Underwriting

If you've been discriminated against, there are those legal remedies. But based on what you've provided, all I see is they have a problem with your appraisal and your property. Nothing is personal. Also, it's still unclear to me what you think the current appraisal should be and what it's based on....
by dougger5
Sat Oct 14, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing: Appraisal Value Lowered During Underwriting
Replies: 14
Views: 1166

Re: Refinancing: Appraisal Value Lowered During Underwriting

Have you had a chance to review the report yourself and look at what (if any) adjustments the appraiser made between the comps and your property? If you haven't you should and you have the right to obtain a copy. One of the weirder requests we got from an underwriter 22 years ago for the property w...
by dougger5
Sat Oct 14, 2017 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing: Appraisal Value Lowered During Underwriting
Replies: 14
Views: 1166

Re: Refinancing: Appraisal Value Lowered During Underwriting

Sounds like you need to work through this issue but getting pissed about it probably won't do any good. Yes, a night's sleep does wonders for clearing up judgement somewhat. My cortisol level is back to normal now :wink: Over the years I've had over 10 mortgages and refis. As I warned my condo buye...
by dougger5
Sat Oct 14, 2017 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Refinancing: Appraisal Value Lowered During Underwriting
Replies: 14
Views: 1166

Re: Refinancing: Appraisal Value Lowered During Underwriting

Mortgage lender here. It sounds like you're stuck. Unfortunately I had this happen to me once on the consumer side and my lender (a former employer no less) got the appraisal report back and didn't like the cracks in the brick on one of the pictures. So they requested that I pay for a structural en...
by dougger5
Fri Oct 13, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing: Appraisal Value Lowered During Underwriting
Replies: 14
Views: 1166

Re: Refinancing: Appraisal Value Lowered During Underwriting

I think the key issue may be "multiple negative findings". I would try to find out what this is about. It's pretty clear from reading the report that it's their difficulty finding the right comps. The "negative findings" all center around the original appraiser having used horse farms as comps. Whi...
by dougger5
Fri Oct 13, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing: Appraisal Value Lowered During Underwriting
Replies: 14
Views: 1166

Re: Refinancing: Appraisal Value Lowered During Underwriting

Is the property very unique? Have you checked the comps cited and did they seem comparable to you? That's a really big spread in price. I've been working with a friend with an estate sale and the difference between the appraisals is in the 10% range which I consider to be normal. The house is in a ...
by dougger5
Fri Oct 13, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing: Appraisal Value Lowered During Underwriting
Replies: 14
Views: 1166

Refinancing: Appraisal Value Lowered During Underwriting

We're going through a refi, and paid for an appraiser to come out and evaluate our home. The appraisal came in at $550,000, for an LTV of 68%. I was just informed that as a part of the underwriting process, they have issues with the appraisal, and now have changed the value to $360,00 - which actual...
by dougger5
Mon Sep 25, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Funds No Longer Allowed In Simple IRA With Raymond James??
Replies: 10
Views: 960

Re: Vanguard Funds No Longer Allowed In Simple IRA With Raymond James??

Jaspy7, welcome to the forum! Are you aware of your ability to do an “asset transfer” of your account holdings at RJ to a SIMPLE IRA that you set up at Vanguard? The IRS calls it a "transfer SIMPLE IRA account". It can only receive money from another provider of a SIMPLE account in a trustee to tru...
by dougger5
Sat Sep 23, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 79
Views: 7684

Re: Help?! My 70 year old father is 100% invested in equities

Similar situation here. My late-70's mother's mid-6-figure invested portfolio is about 80/20, which the equity part composed of a half-dozen individual stocks that are parts of 2 major sectors. My approach has evolved to a point where my primary goal is no longer about critiquing the composition of ...
by dougger5
Thu Sep 21, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 25399

Re: Name something you had to have and now you regret purchasing it?

Drill press. Bought a guitar neck as the first part of a guitar build, which would have been my first attempt. Figured I'd need a drill press to get those tuning peg holes juuuust right. Guitar neck sat for two years, then I shipped it to a luthier and paid him to turn it into a guitar for me. Used ...
by dougger5
Sun Jul 23, 2017 1:42 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 220
Views: 29055

Re: 2017 hedge fund contest

Middle Branch Multiflora Rose Capital Thorn Fund The market goes up, the market goes down, but Rosa Multiflora grows on. Trust The Bramble® LONG UTX - United Technologies Corp JEC - Jacobs Engineering Corp GD - General Dynamics SHORT RHT - Red Hat Software SCAI - Surgical Care Affiliates As a belat...
by dougger5
Tue Jul 18, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)
Replies: 16
Views: 1799

Re: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)

This is a pending Shark Attack, yes. Understanding it at this point will allow the OP to fend it off easily... Ha! Indeed, the sharks with whom I have my current policy have sent me a "Aww, c'mon...give us a call!" letter upon notification of my impending switch to someone else. "Gee, why don't you...
by dougger5
Mon Jul 17, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)
Replies: 16
Views: 1799

Re: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)

Why is net worth info needed to buy term life insurance? I would not provide that. None of their business. +1 Sounds like one of the individual big companies that have salesmen who want to sell you whole life or annuities either now or later. Are you applying for several million in insurance? Have ...
by dougger5
Sun Jul 16, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)
Replies: 16
Views: 1799

Re: Net Worth Calculation - Am I Doing It Right?

DW and I are applying for new term life insurance policies. As part of our respective applications, we're asked to provide our net worth. Now I know this is a matter of simply subtracting liabilities from assets. My uncertainty concerns how to calculate our individual net worth, taking into account...
by dougger5
Sun Jul 16, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)
Replies: 16
Views: 1799

Re: Net Worth Calculation - Am I Doing It Right?

sport wrote:What about her assets and her liabilities?
I just offered the case of my net worth as an example of how I think our respective net worth's would be calculated, if I get the point of your question. So for her personal net worth, just substitute "my" in the above equation with "her."
by dougger5
Sun Jul 16, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)
Replies: 16
Views: 1799

Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)

DW and I are applying for new term life insurance policies. As part of our respective applications, we're asked to provide our net worth. Now I know this is a matter of simply subtracting liabilities from assets. My uncertainty concerns how to calculate our individual net worth, taking into account ...
by dougger5
Thu Jul 06, 2017 6:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1102925

Re: U.S. stocks in freefall

I have a confession to make. Last week I was hoping this week would be terrible because I knew I'd have new money to invest today. Lo and behold, the market took a nice little dip today just when I was ready to invest. :D I have an automatic investment set up for my Roth that goes in every Wednesda...
by dougger5
Sat Jul 01, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Question re: VBTLX Dividend Received
Replies: 5
Views: 486

Re: Question re: VBTLX Dividend Received

My VBTLX shows the additional shares. I double-checked by looking at "Balances By Date," and compared the number of shares for 6/29 vs. 6/30, and the 6/30 balance reflects the additional shares.
by dougger5
Fri Jun 30, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: vetting/finding a financial advisor
Replies: 58
Views: 2775

Re: vetting/finding a financial advisor

Somewhat reluctantly, I selected a CFP for my recently-widowed mother, as it became obvious that getting her to do something reasonable with her portfolio (single stocks, sector concentrations and the like) would require a neutral third party. There's a thread or two here with my hand-wringing over ...
by dougger5
Sat Jun 24, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Evaluating Asphalt Driveway Sealing Bid
Replies: 8
Views: 897

Re: Evaluating Asphalt Driveway Sealing Bid

Thanks folks. I have strongly advised her to get at least one more estimate, offering to haul myself over to be present for it if she can swing it for the week of the 4th. We'll see.
by dougger5
Sat Jun 24, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Evaluating Asphalt Driveway Sealing Bid
Replies: 8
Views: 897

Re: Evaluating Asphalt Driveway Sealing Bid

This one is difficult since the crack filling work can take some time compared to the sealing. Plain sealing runs about 15 - 18 cents per square foot in our area, so it would be good if you had a breakdown of how the proposed total was reached. Crack-filling could easily add a few hundred to your d...
by dougger5
Sat Jun 24, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Evaluating Asphalt Driveway Sealing Bid
Replies: 8
Views: 897

Evaluating Asphalt Driveway Sealing Bid

My mother recently received an estimate for asphalt sealing, and I'm thinking it's a bit on the high side. So I'd appreciate some input. I have read some previous threads on this subject, so I am aware that the accepted best method is to do this one's self with "airport grade" asphalt sealer. For va...
by dougger5
Sun Jun 11, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Best Way To Code A Text Parser
Replies: 27
Views: 1962

Re: Best Way To Code A Text Parser

Take a look at Perl. It was originally designed for just this kind of application. If you do decide to give Perl a chance, you need to decide up front whether to use Perl 5 or Perl 6. The last I used Perl there was no Perl 6 so I can't give you any guidance on that decision. (It's been long enough ...
by dougger5
Sun Jun 11, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: Best Way To Code A Text Parser
Replies: 27
Views: 1962

Re: Best Way To Code A Text Parser

Are there api's for creating an excel spreadsheet? If so I think that would be good or shoot data into MySQL db. Python is used for this tyep of work. Do you have a tool to make PDFs? I have heard of spmething called iText but you must purchase it. Use tool which has most capabilities. No, I figure...
by dougger5
Sun Jun 11, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: Best Way To Code A Text Parser
Replies: 27
Views: 1962

Best Way To Code A Text Parser

We have an application which spits out weekly plain text files with audit log information - all user activity. I need to develop a parser that will pull out a particular type of activity and the users that perform it. The two options I'm considering: 1)C++ - I did similar stuff writing console-based...
by dougger5
Wed Jun 07, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Trail Camera Recommendations
Replies: 3
Views: 486

Re: Trail Camera Recommendations

Thanks Mike & Yooper! Had a Moultrie cam (low end) that worked great for about 2 weeks, then the infrared filter got stuck so nighttime photos were awful. I also didn't like how ANY movement (i.e. wind in the trees) would trigger it. And yes, battery life was a problem. Plus they're C cell, how you ...
by dougger5
Wed Jun 07, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Trail Camera Recommendations
Replies: 3
Views: 486

Trail Camera Recommendations

Currently we have an old Moultrie model. Only 2.1MP and sucks down a new battery in ~12 hours, so we're looking to update. Solar-powered would be a bonus - initial poking turned up a model by Spypoint - https://www.spypoint.com/EN/products/solar-trail-camera/product-SOLAR.html - with online price ra...
by dougger5
Sat May 27, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Septic Pumping - Did I get ripped off?
Replies: 50
Views: 5376

Re: Septic Pumping - Did I get ripped off?

Please tell me what you all flush down the drain besides human waste that requires pumping every three years? The 3 year pumping practice is the lowest common denominator for very most inefficient practice hence the rational for local ordinances. Theoretically a proper designed system will function...
by dougger5
Sat May 20, 2017 8:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard makes an impact in the England market
Replies: 13
Views: 1683

Re: Vanguard makes an impact in the England market

...which ones were you looking at? I figured the Target fund might have been one of the lower initial investment ones, as they are here, but I just see the same £100k figure. Edit: Hmmm, url tags not working as expected. Those URLs are for funds that are offered through Vanguard's old platform. Thi...
by dougger5
Sat May 20, 2017 6:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard makes an impact in the England market
Replies: 13
Views: 1683

Re: Vanguard makes an impact in the England market

Just checked a couple funds, and the initial minimum investments seem kind of on the high side - £100,000. Not real easy for the retail investor of modest means to get into, I'd think. Which fund has a £100,000 minimum? Every fund I checked has a minimum investment of £500. FTSE 100 Index Unit Trus...
by dougger5
Sat May 20, 2017 5:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard makes an impact in the England market
Replies: 13
Views: 1683

Re: Vanguard makes an impact in the England market

Just checked a couple funds, and the initial minimum investments seem kind of on the high side - £100,000. Not real easy for the retail investor of modest means to get into, I'd think.
by dougger5
Wed May 17, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Sony a6500
Replies: 24
Views: 2110

Re: Sony a6500

Welcome to mirrorless! I've had Sony NEX6 for four years now, and it's been great. My main attraction was the ease of adapting it to my old Minolta MF lenses. RE: the UV filter - I wouldn't put anything like that between Zeiss glass and the world, but that's me :D A few resources: http://sonyalphala...
by dougger5
Mon May 15, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Funny Letter [Canceling Escrow Account]
Replies: 39
Views: 5649

Re: Funny Letter [Canceling Escrow Account]

FWIW, self escrow is wonderful. Especially when it's in an Ally 1.05% savings account. +1 We declined escrow when we started our current mortgage back in 2005, preferring to just make sure we sock away a minimum/month and get a few bucks of interest. 2 years ago, our mortgage bank started sending u...
by dougger5
Sun Apr 02, 2017 9:45 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 28284

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Just to clarify - should I wait for a confirmation email before mailing payment, or mail the payment immediately? Moot point if the email arrives before I even have a chance to mail it...but I figured I'd ask anyway. You're not fully registered and guaranteed a spot until/unless your check is recei...
by dougger5
Sun Apr 02, 2017 8:26 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 28284

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Just to clarify - should I wait for a confirmation email before mailing payment, or mail the payment immediately? Moot point if the email arrives before I even have a chance to mail it...but I figured I'd ask anyway.
by dougger5
Tue Mar 28, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares
Replies: 20
Views: 1475

Re: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares

BL wrote:
livesoft wrote:I'll just throw this out there:
In Texas 100% of jointly-held assets get stepped up in basis and not just half of them.

Yes, I forget community property states have different rules.


Ah...excellent point! I should dig into her state's laws.

Edit: Nope, not a community property state.
by dougger5
Tue Mar 28, 2017 6:08 am
Forum: Investing - Help with Personal Investments
Topic: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares
Replies: 20
Views: 1475

Re: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares

Be sure to copy any cost basis information (unrealized gains) that you can find from the old broker. That will protect you somewhat if they lose it in transfer. I don't know any way to separate the stepped up part from the non-stepped up part. I think whatever you sell is just considered half-stepp...
by dougger5
Mon Mar 27, 2017 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares
Replies: 20
Views: 1475

Re: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares

I was actually talking about the fee to sell each holding. That fee gets reduced as AUM rises but it's still there. It's higher on mutual funds than stocks (roughly $2-20 for stocks, but $20-$35 for funds per transaction [less for over $1M]). m Oh, right; the usual trading fee. In this case, it loo...
by dougger5
Mon Mar 27, 2017 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares
Replies: 20
Views: 1475

Re: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares

If they've been trading in the account, there might not be so much in capital gains. Maybe it's better to get out of the individual holdings now before you move to Vanguard. If you liquidate at MS, there is no charge correct? If you move-in-kind, there will be a fee at Vanguard per holding. The dow...
by dougger5
Mon Mar 27, 2017 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares
Replies: 20
Views: 1475

Re: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares

Uhh...the plot thickens. I think. I looked at the MS account, and clicked on the handy Cost Basis icon. In every case, every lot listed the acquisition date as 5/5/16. Gift horse situation? Also, no links to execute online trades, that I could find. I take it with these folks, you have to call and t...
by dougger5
Mon Mar 27, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares
Replies: 20
Views: 1475

Re: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares

If these are non-covered shares, regardless of where they are held, the responsibility for determining cost basis is with the client. MS has no obligation and will not report cost basis to the IRS if you sold shares through them. Whatever records they have are merely for your convenience but they'r...
by dougger5
Mon Mar 27, 2017 5:58 am
Forum: Investing - Help with Personal Investments
Topic: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares
Replies: 20
Views: 1475

Re: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares

Part of this process will be liquidating stepped-up half of the individual stock and reinvesting into index funds. Given the foregoing information about how Vanguard handles basis of transferred assets, would it be better to do this reallocation in Morgan Stanley before the transfer?
by dougger5
Sun Mar 26, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares
Replies: 20
Views: 1475

Re: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares

I would call VG and Morgan to confirm that whatever data Morgan has will transfer. I recently traansferred 20+ year old accounts from T Rowe to Schwab and there is no issue, in fact it is easier to see lots in the Schwab system. I would guess there will be no problem, but that is just a guess. It i...