Virtual & Digital Currency and Payment Systems

June 24, 2014: 1:15PM - 2:05PM

Virtual & Digital Currency and Payment Systems

JiJi Park, Corporate & Securities partner, will participate in a panel...

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Date: 2017-03-05 20:35:19
Website: https://www.pillsburylaw.com

Related topics : virtual & digital currency and payment systems / digital currency payment system / virtual currency payment system / digital currency system / virtual currency system

New Creditz mobile payment service to showcase at NRF ...

Is the new PayPal of mobile on its way?

CEO America Inc., the exclusive U.S. licensee of Creditz Digital Currency System, will exhibit its micro-payment, mobile payment and virtual terminal system at the National Retail Federation's Annual Convention in New York Jan. 13-16.

"This is the 21st century, yet most payment systems were never designed to function in today's digital economy," said Larry...

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Website: https://www.mobilemarketer.com

Related topics : virtual & digital currency and payment systems / digital currency payment system / creditz digital currency / virtual currency payment system / electronic currency payment system

USA Virtual Currency - BUY AND SELL DIGITAL CURRENCY

Create a digital currency wallet where you can securely store digital currency.

CONNECT

Connect your bank account, debit card, or credit card so that you can exchange digital currency into and out of your local currency.

BUY BITCOIN & ETHEREUM

Buy some bitcoin and ethereum to begin...

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Website: http://usavirtualexchange.com

Virtual currency bitcoin meaning - Transfer bitcoin ke ...

Virtual currency bitcoin meaning

Virtual currency bitcoin meaning

Japanese push to regulate exchanges and recognize bitcoins as. a definition for bitcoin and virtual currencies that.

(U) Bitcoin Virtual Currency: Intelligence Unique Features

The small number of Bitcoins will mean it will...

How can I create a bitcoin like virtual currency not based on.

Bitcoin Is Not Money, Charges Dropped...

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Website: http://mops-welpen.info

Virtual Currencies: An Essay Example For Beginners

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Virtual Currencies

A currency is known as the common mode of payment mode of payment that is used in a certain jurisdiction and facilitates that exchange of goods and services. The currency must be customarily accepted for use, be circulating and be legal. This is what many people will refer to as the legal tender or a real currency. The use of a currency has led to the creation of...

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Website: http://www.deltadawnbook.com

Related topics : virtual currency exchange game / virtual & digital currency and payment systems / virtual currency exchange rates / virtual currency exchange business / virtual currency meaning

Talk:E-commerce payment system - Wikipedia

This article has been rated as High-importance on the project's importance scale .

BitPay section[ edit ]

Hi AndyTheGrump, I'd like to address the revert you made on my section about BitPay which you said contained blatant advertising. At least a mention of a Bitcoin E-commerce payment system in this page is fair enough as Bitcoin is relatively new and not everyone knows how to accept...

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Date: 2017-12-05 06:30:02
Website: https://en.wikipedia.org

Related topics : virtual & digital currency and payment systems / digital virtual currency and bitcoins / virtual currency payment system / digital currency payment system / digital currency like bitcoin

CREDITZ® Introduces Digital Promotional Currency ...

Las Vegas, Nevada (PRWEB) January 10, 2008

CEO America, Inc. (OTC: CEOA.PK), exclusive US licensee of CREDITZ ® Digital Currency, today announced that it will be introducing its fully-integrated promotional currency, micro-payment and loyalty system at the National Retail Federation's (NRF) Annual Convention in New York City, January 13 - 16, 2008.

NRF's annual convention is the retail...

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Date: 2017-07-31 08:55:57
Website: http://www.prweb.com

Related topics : virtual & digital currency and payment systems / digital currency payment system / creditz digital currency / digital currency system / virtual currency payment system

What are Virtual Currencies Essay -- paper currency, bitcoin

Virtual Currencies are increasingly becoming a part of not only the virtual world but also the real world. There are many problems associated with virtual currencies. Due to its similar to paper currency, a lot of questions have risen regarding its acceptance among the people in the market. Virtual currencies are growing in popularity and although they were large used by speculators who were...

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Website: http://www.123helpme.com

What you should know about digital currency - Canada.ca

Digital currency is virtual money that can be used to buy and sell goods or services on the Internet. Bitcoins are an example of digital currency. Bitcoins are not controlled by central banks or any country, and can be traded anonymously. Bitcoins can be bought and sold in return for traditional currency, and can also be transferred from one person to another.

Do tax rules apply when digital...

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Website: https://www.canada.ca

Related topics : digital virtual currency and bitcoins / bitcoin digital currency exchange / digital currency like bitcoin / virtual & digital currency and payment systems / bitcoin digital currency

Could Virtual Currencies be the Future of Payment Systems?

Digital Currency � o � Payment Processing

Transferring money to someone in another country can be a long, expensive and risky process.� The funds exchange hands multiple times before arriving at their destination, and with each exchange comes delays, more fees, and a higher risk that the funds will be misrouted or end up in the hands of the wrong person.� The U.S. government is aware of...

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Website: https://www.digitalcurrencyperspectives.com

Related topics : virtual & digital currency and payment systems / virtual currency payment system / ripple virtual currency system / virtual currency system / digital currency payment system

Bitcoin of America is the safest place buy, trade, and ...

KIOSK Payment

Bitcoin of America is a popular virtual currency exchange which is registered with the United States Department of Treasury. We are operating directly with all digital currency users without intermediaries through a digital platform. With the help of our platform, you can facilitate buying and selling of digital currencies with ease. Bitcoin of America uses an anti-money...

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Website: bitcoinofamerica.org

Bitcoin and Money Laundering - World.tax

Decentralized and untraceable virtual currencies are attractive to those wishing to shift money across borders or to conduct illegal activities online anonymously. Bitcoin became a favourite means of payment on the Silk Road, a digital marketplace for illegitimate trade that operated exclusively on the "Tor" network. Given these concerns, regulatory agencies in charge of preventing money...

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Website: https://www.world.tax

Related topics : virtual currency exchange definition / virtual world currency exchange / virtual currency exchange business / virtual currency exchange bitcoin / virtual currency exchange

Initial Coin Offerings, Digital Tokens and Virtual Currencies

Initial Coin Offerings, Digital Tokens and Virtual Currencies

What have Initial Coin Offerings, Digital Tokens and Virtual Currencies got to do with investments?

If you have been puzzling over terms like digital, virtual or cryptographic currencies, or digital tokens, or initial coin offerings and wondered what these terms mean, you may like to find out more here.

What are digital, virtual or...

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Website: http://www.mas.gov.sg

Apple Allows Virtual Currency Apps | iPad Repair Only

iPad Repair Near Me

Apple Allows Virtual Currency Apps

Apple has always previously denied any apps that promoted the use of virtual currencies, but having recently reviewed its App Store guidelines Apple has now decided upon a policy change and Coin Pocket has become the first virtual currency App allowed back into the App Store. Coin Pocket, the Bitcoin wallet app is now the first iOS app to allow users to send, receive and transfer virtual currency

Virtual currency, also known as virtual digital currency or even the rarely used cryptocurrency, is a form of currency not attached to any single country or bank, the...

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Website: https://ipadrepaironly.com

Related topics : virtual currency app store / digital virtual currency and bitcoins / virtual & digital currency and payment systems / virtual currency store / virtual currency bitcoin

Gold backed virtual-currencies in a post de-monetization ...

Home / Columns / Gold backed virtual-currencies in a post de-monetization�India

Gold backed virtual-currencies in a post de-monetization�India

By Express Computer on November 28, 2016 @@srikrp

By Rohas Nagpal, Primechain Technologies

Our ancestors started off with the barter system - something like "I will give you 2 buffaloes in return for 5 shiny new super-sharp axes". Soon they...

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Website: http://computer.expressbpd.com

Bitcoin of America is the safest place buy, trade, and ...

KIOSK Payment

Bitcoin of America is a popular virtual currency exchange which is registered with the United States Department of Treasury. We operate directly with all digital currency users without intermediaries through a digital platform. With the help of our platform, you can facilitate buying and selling of digital currencies with ease. Bitcoin of America uses an anti-money laundering...

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Website: bitcoinofamerica.org

FATF offers definitions, pros and cons of virtual currencies

The Financial Action Task Force (FATF) called virtual currencies both "the wave of the future" and a powerful new tool for criminals to move and store illicit funds, in a paper released last month. The FATF is an intergovernmental body that develops and promotes policies to protect the global financial system from money laundering and terrorist financing. The United States is one of 37 member...

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Website: http://news.cuna.org

Related topics : virtual & digital currency and payment systems / virtual currency and the financial system the case of bitcoin / virtual currency payment system / buy virtual currency with credit card / virtual currency pros and cons

Virtual currency - Wikipedia

Definitions[ edit ]

In 2012, the European Central Bank defined virtual currency as "a type of unregulated, digital money, which is issued and usually controlled by its developers, and used and accepted among the members of a specific virtual community". [1] :13

In 2013, Financial Crimes Enforcement Network (FinCEN), a bureau of the US Treasury , in contrast to its regulations defining currency as...

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Date: 2017-12-20 01:25:46
Website: https://en.wikipedia.org

Virtual currency - Wikipedia

Definitions[ edit ]

In 2012, the European Central Bank defined virtual currency as "a type of unregulated, digital money, which is issued and usually controlled by its developers, and used and accepted among the members of a specific virtual community". [1] :13

In 2013, Financial Crimes Enforcement Network (FinCEN), a bureau of the US Treasury , in contrast to its regulations defining currency as...

Read more

Date: 2017-12-27 15:01:38
Website: https://en.wikipedia.org

Future of Bitcoin and other Crypto Currencies in India ...

Bitcoin is the most popular and most commonly used crypto currency or virtual currency. It was created in 2009 by an unknown entity and has been used across the globe as a digital payment system. Like all crypto currencies it is not regulated by any administrative system and is traded in virtual Bitcoin exchanges. There are currently about USD 167 billion worth Bitcoins in use across the world -...

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Website: mapsofindia.com

FATF Offers Definitions, Pros and Cons of Virtual Currencies

FATF Offers Definitions, Pros and Cons of Virtual Currencies

Mon, Jul 21, 2014

Washington, District Of Columbia

The Financial Action Task Force (FATF) called virtual currencies both "the wave of the future" and a powerful new tool for criminals to move and store illicit funds, in a paper released last month. The FATF is an intergovernmental body that develops and promotes policies to protect the...

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Date: 2017-12-20 02:03:03
Website: https://www.mddccua.org

Related topics : virtual currency pros and cons / virtual & digital currency and payment systems / virtual currency and the financial system the case of bitcoin / virtual currency payment system / buy virtual currency with credit card

Gold backed virtual-currencies in a post de-monetization India

Gold backed virtual-currencies in a post de-monetization India

06 December 2016��|��6311 views��|��1

Our ancestors started off with the barter system - something like "I will give you 2 buffaloes in return for 5 shiny new super-sharp axes". Soon they realized that the barter system had too many limitations - everyone didn't want buffaloes, buffaloes were neither divisible (not...

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Website: https://www.finextra.com

A new currency payment system is about to explode - Chris ...

Home / Blockchain / A new currency payment system is about to explode

A new currency payment system is about to explode

Before leaving the subject of socialisation, gamification , personalisation and virtualisation , there's one last area that is worth delving into.

This one came up when I was working on my latest iteration of the way in which money is evolving, and I have the firm belief that...

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Website: thefinanser.com

Related topics : virtual & digital currency and payment systems / virtual currency payment system / digital currency payment system / virtual currency exchange game / open source virtual currency system

SEC.gov | Investor Bulletin: Initial Coin Offerings

To facilitate understanding of this new and complex area, here are some basic concepts that you should understand before investing in virtual coins or tokens:

What is a blockchain?

A blockchain is an electronic distributed ledger or list of entries - much like a stock ledger - that is maintained by various participants in a network of computers.� Blockchains use cryptography to process and...

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Date: 2018-01-10 15:18:31
Website: https://www.sec.gov

Related topics : virtual currency exchange business / virtual currency exchange bitcoin / virtual currency exchange rates / virtual currency exchange / digital virtual currency and bitcoins

10 Types of Digital Currencies and how they work ...

Digital currencies are the payment methods for the future. The currencies are changing business, money and the world. As some governments accept the digital currency as a mode of payment , we feel it is important for you to know some of these digital currencies and how they operate. The following are 10 types of digital currencies and how they work:

1) Ethereum

Ethereum is a decentralized...

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Website: https://www.techbullion.com

How Bitcoins Are Taxed - The Balance

By William Perez

Updated April 07, 2017

Whenever bitcoin is bought, sold, or traded, there are tax impacts. We'll discuss how bitcoins and other forms of virtual currency are taxed, and point out record keeping requirements and tax planning techniques that can be utilized. At the end you'll find resources for continuing your own research.

The big picture:

"The key thing going forward is...

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Website: https://www.thebalance.com

What Community Bankers Should Know About Virtual ...

The virtual currency landscape includes many participants, from the merchant that accepts the virtual currency, to the intermediary that exchanges the virtual currency on behalf of the merchant, to the exchange that actually converts the virtual currency to real currency, to the electronic wallet provider that holds the virtual currency on behalf of its owner. Accordingly, opportunities abound...

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Website: https://www.communitybankingconnections.org

You can now buy bitcoins on eBay | The Daily Dot

These days, there are plenty of ways to acquire virtual currency. You can buy it on an exchange . You can withdraw it from a Bitcoin ATM . You can mine it yourself. You can steal it in a massive, complex, multimillion-dollar heist.

Now there's a new addition to that list: You can buy it on eBay .

Without going out of its way to court much publicity, the online auction Goliath has quietly added a...

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Website: https://www.dailydot.com

Alert Bitcoin investors! RBI issues another warning, says ...

Alert Bitcoin investors! RBI issues another warning, says cryptocurrencies have some risks

� BusinessToday.in ���New Delhi���� Last Updated:�December 8, 2017 �|�12:13 IST

Bitcoin breached $12000 mark on Wednesday for the first time ever. The virtual currency has soared more than 1,000 percent since the start of the year. Last Wednesday, it was trading at $9,500. Nothing...

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Website: http://www.businesstoday.in

Related topics : virtual currency and the financial system the case of bitcoin / digital virtual currency and bitcoins / virtual & digital currency and payment systems / virtual currency exchange bitcoin / virtual currency bitcoin

10 things you should know about Bitcoin and digital ...

10 things you should know about Bitcoin and digital currencies

Bitcoin and other digital currencies have emerged as potential disruptors to the financial system, but fear, theft, and illegal activity still hang over them. Here's what you need to know.

By Lyndsey Gilpin | May 21, 2014, 4:00 AM PST

Google Plus

Bitcoin has injected itself into a lot of conversations about the future of technology,...

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Website: https://www.techrepublic.com

Bitcoin - Kuwait Times | Kuwait Times

There seems to be a new global trend on how to make quick money and become wealthy overnight! I am not a financial expert, but like everyone else, I heard about bitcoins and read stories about those who became rich in a few months. I kept wondering what is the bitcoin. Can we really trust attractive advertisements promoting it, and what are the guarantees?

The idea of becoming a millionaire is...

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Website: http://news.kuwaittimes.net

Related topics : crypto virtual and digital currency and payment systems / virtual & digital currency and payment systems / bitcoin digital currency price / digital virtual currency and bitcoins / digital currency like bitcoin

New system makes it harder to track Bitcoin transactions

Finally, interesting uses for the blockchain that go beyond bitcoin

December 7, 2015

Most people who have heard the term think that the "blockchain" is only something to do with cryptocurrencies such as bitcoin, litecoin, doguecoin and others. It's the technology that underpins digital currencies and ensures ...

Singapore tests digital currency system to ease bank payments

November 16,...

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Website: https://phys.org

Related topics : virtual currency exchange bitcoin / virtual & digital currency and payment systems / digital virtual currency and bitcoins / bitcoin digital currency exchange / using bitcoin for currency exchange

Is Bitcoin the future for Pakistan? - The Express Tribune

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One of the petitions claims Bitcoin as the second legal tender in Luxembourg. PHOTO: AFP

NORTHAMPTON:�Financial innovation in payment systems has led to the development of innovative payment systems and digital currencies. Easypaisa launched in 2009 has become Pakistan's largest mobile banking service with a vast network of 70,000 merchants located across the country....

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Website: https://tribune.com.pk

How to Buy Bitcoins | eBay

A revolutionary online system of virtual currency developed in 2008, bitcoin is the brainchild of Satoshi Nakamoto. Nobody is certain whether Nakamoto is an individual's name, a pseudonym, or a group of people. After publishing a 2008 paper describing this digital currency, Nakamoto released the open-source bitcoin software the next year. Operating without an owner or controlling agency, this...

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Website: ebay.co.uk

How to Buy Bitcoins | eBay

A revolutionary online system of virtual currency developed in 2008, bitcoin is the brainchild of Satoshi Nakamoto. Nobody is certain whether Nakamoto is an individual's name, a pseudonym, or a group of people. After publishing a 2008 paper describing this digital currency, Nakamoto released the open-source bitcoin software the next year. Operating without an owner or controlling agency, this...

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Website: ebay.com

What is bitcoin, the digital currency demanded as payment ...

What is bitcoin, the digital currency demanded as payment by cyberattackers?

Bitcoin is a digital currency that is not tied to a bank or government and allows users to spend money anonymously.

tech Updated: May 16, 2017 15:00 IST

New York

A Bitcoin (virtual currency) paper wallet with QR codes and a coin are seen in an illustration picture taken at La Maison du Bitcoin in Paris, France, May 27,...

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Date: 2018-01-11 18:46:15
Website: hindustantimes.com

IMF Head Foresees The End Of Banking As Bitcoin Surges ...

In a remarkably frank talk at a Bank of England conference, the Managing Director of the International Monetary Fund has speculated that Bitcoin and cryptocurrency have as much of a future as the Internet itself.

It could displace central�banks, conventional banking, and challenge the monopoly of national monies.��

Christine Lagarde -a Paris native who�has held her position at the IMF...

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Website: zerohedge.com

Related topics : virtual & digital currency and payment systems / virtual currency payment system / digital virtual currency and bitcoins / virtual currency bitcoin / virtual currency system

What is a Bitcoin Faucet? | Jaz Faucet List

Transactions are made with no middle men - meaning, no banks! There are no transaction fees and no need to give your real name. More merchants are beginning to accept them: You can buy webhosting services, pizza or even manicures.

Why Bitcoins?

Bitcoins can be used to buy merchandise anonymously. In addition, international payments are easy and cheap because bitcoins are not tied to any...

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Website: https://www.jazfaucetlist.com

Canadian Bitcoin Currency Exchange Services, Online ...

Support

About MORREX

Founded in october 2013, MORREX is proud to serve the transformational world of digital currency. We believe Bitcoin and other peer to peer digital currency systems are putting power back into the hands of the people, and we are overjoyed to help bring the movement to the masses.

Our goal is simple - to provide Canadians with a reliable, secure, first-class digital currency exchanger. We want to help...

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Website: https://www.morrex.com

Related topics : bitcoin digital currency exchange / digital virtual currency and bitcoins / bitcoin canadian dollar exchange / bitcoin digital currency / online currency exchange bitcoin

FBI (Federal Bureau of Investigation) (2012) Bitcoin ...

JOURNAL NAME: Modern Economy , Vol.6 No.7 , July 20, 2015

ABSTRACT: Digital currencies, virtual currencies, in-game currencies, etc., have gathered a lot of attention, despite the difficulties of definition, from all corners of society for many years. Cryptocurrency has gained unprecedented attention since the birth of Bitcoin in 2009. Bitcoin is an online system of making and receiving payments in bitcoins. The system distinguishes...

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Website: http://www.scirp.org

Related topics : how to make bitcoin payment system / virtual & digital currency and payment systems / digital virtual currency and bitcoins / bitcoin payment system / open source virtual currency system

Bitcoin and virtual currencies: Background information and ...

Bitcoin and virtual currencies: Background information and key technical and legal issues

By Brandon Ward

Bitcoin, a peer-to-peer digital currency, operates without the involvement of traditional financial institutions and provides a direct digital alternative to physical currencies and commodities. Governments worldwide generally do not yet see it and other digital currencies as a...

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Website: https://journalistsresource.org

Alternet Pursues New York BitLicense, Global Digital ...

The company says it pursuing the New York State BitLicense that will facilitate a global exchange roll out strategy.

In July of 2014, the New York Department of Financial Services revealed its regulatory framework, stating that businesses that receive, transmit, store, exchange, issue or convert virtual currency for customers will need to be licensed, which has been dubbed the BitLicense. NYDFS...

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Website: allcoinsnews.com

Related topics : global digital currency exchange / bitcoin digital currency exchange / digital currency exchange platform / digital currency exchange business / digital currency exchange provider

IMF Head Foresees the End of Banking and the Triumph of ...

In a remarkably frank talk at a Bank of England conference, the Managing Director of the International Monetary Fund has speculated that Bitcoin and cryptocurrency have as much of a future as the Internet itself. It could displace central�banks, conventional banking, and challenge the monopoly of national monies.��

Christine Lagarde -a Paris native who�has held her position at the IMF...

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Website: https://fee.org

Related topics : virtual & digital currency and payment systems / virtual currency payment system / digital virtual currency and bitcoins / virtual currency bitcoin / virtual currency system

Bitcoin — Introduction to Bitcoin Payment System

Education

Bitcoin

Bitcoin is the world's first decentralized digital currency and online payment system, which allows users to conduct transactions without the need of any third party intermediary (banks for example). It is one of the cryptocurrencies .

Bitcoin, which is the name given to one unit of the virtual currency, can be divided further into subunits (similar to cents and pennies), the...

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Website: https://www.earnforex.com

Code of conduct - ADCA

Australian Digital Currency Industry Code of Conduct

ADCA developed the Australian Digital Currency Industry Code of Conduct as a tool to help Australian consumers identify digital currency businesses that have best-practice standards in place.

The Digital Currency Industry Code of Conduct is a self-regulatory scheme and was developed in response to a recommendation of the Senate Enquiry into...

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Website: http://adca.asn.au

Related topics : list of digital currency companies / digital currency values / digital currency list / digital currency payment system / australian digital currency association

Bitcoin and other virtual currencies: What you need to ...

Legal risk

Risk of participating in criminal, terrorist or fraudulent activities or money laundering

If you want to speculate on the price of a cryptocurrency or transact business using a cryptocurrency

What are cryptocurrencies?

Cryptocurrency or virtual currency,�is similar to money but is not legal tender. In Canada, the only currency that is legal tender is the Canadian dollar, although...

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Website: https://lautorite.qc.ca

Related topics : virtual currency exchange bitcoin / virtual currency exchange business / virtual currency exchange platforms / virtual currency exchange software / virtual currency exchange

AML BitCoin Announces Listing on HitBTC Exchange - Bitcoin ...

by Bitcoin PR Buzz Feed | Nov 24, 2017 | Bitcoin Press Release , Ultimate |

Bitcoin Press Release: AML BitCoin is pleased to announce it will start trading on HitBTC in December

Las Vegas, USA, 23�November: AML BitCoin will commence its public trading on December 15, 2017 on one of the largest digital currency exchanges in the world, HitBTC.

For months the digital coin world has anticipated the...

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Website: bitcoinprbuzz.com

Related topics : bitcoin digital currency exchange / will bitcoin be the one world currency / digital currency exchange list / digital virtual currency and bitcoins / digital currency exchange platform

The benefits of central bank digital currency | VOX, CEPR ...

Central banking and Bitcoin: Not yet a threat

Dirk Niepelt

In third-century Rome, Julius Paulus Prudentissimus, chief legal advisor to Emperor Severus Alexander, described the fundamental rationale for a government-issued currency using terms that remain familiar to modern monetary economists. It was, he wrote, a unit of account for the pricing of goods and services, a method of storing value,...

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Date: 2017-12-20 02:12:32
Website: http://voxeu.org

Related topics : virtual & digital currency and payment systems / digital virtual currency and bitcoins / digital currency payment system / digital currency like bitcoin / bitcoin digital currency price

MQL5.community Payment System - MQL5 Articles

Valid mobile phone number with short message service (SMS) is the prerequisite for withdrawing money from the MQL5.community payment system!

Limited withdrawal is another level of security. You can withdraw only once per 24 hours and no more than 500 USD.

2. Deposit to Account

MQL5.community users can deposit to their accounts in several different ways. However, withdrawal is possible for quite a...

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Website: https://www.mql5.com

Related topics : transfer money from bitcoin to bank account / deposit bitcoin via paypal / electronic currency payment system / digital currency payment system / virtual & digital currency and payment systems

Bitcoin: Cybersecurity Regulations on the Horizon? | JD ...

Embed

To embed, copy and paste the code into your website or blog:

<iframe src="//www.jdsupra.com/post/contentViewerEmbed.aspx?fid=3dbde70b-7685-486b-b51c-b4fade5189a4" width="100%" height="620" frameborder="1" style="border: 2px solid #ccc; overflow-x:hidden !important; overflow:hidden;" scrolling="auto"></iframe>

Unless you have been living under a rock, you have probably heard a lot about...

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