Wisdom Business Academy Service Package Terms & Conditions of Purchase

Version 9.24.18

Deposit:

  • When you follow the “purchase” process for an Wisdom Business Academy Service Package, you will be taken to an online shopping cart where you will pay a Deposit only.
  • For full price purchase, the Deposit is Refundable within the first 14 days (minus a 3% credit card processing fee) or until the Scope of Work Agreement (see below) is signed by both parties.
  • If you paid a discounted rate for the Service Package, you may not be elegible for a refund of the Deposit.
  • Your credit card statement will show the charge form Luminary Business Design, LLC (our parent company).

 

Payment of Balance:

  • Your signed Scope of Work Agreement indicates your commitment to pay the balance of the cost of the Service Package you made the Deposit on as work is completed.
  • Work will be invoiced incrementally (see below) until the Scope of Work Agreement is completed.
  • For consulting and implementation services (other than building your intelligent.coach platform if applicable), You will be invoiced at the hourly rate noted on your Scope of Work Agreement, which is based upon the price of the Service Package that you purchased.

 

Scope of Work Agreement: (Does not apply to the Online Course Builder Package)

  • After your Deposit is received, we will meet in person (over zoom or skype video conferencing) to identify exactly which services will be implemented for the development of your Wisdom Business.
  • In most cases, within 2 business days of the meeting, you will receive a simple Scope of Work Agreement that will outline the tasks and the estimated hours devoted to each.
  • Once the Agreement is signed by you and Heather “Ivri” Turner, Founder of Wisdom Business Academy, work will commence and your Deposit will no longer be refundable.

 

Invoicing for Consulting Services:

  • Bi-monthly
  • Due upon receipt
  • Pay by Check, bank transfer or credit card (+3% processing fee added for credit card)
  • Paid to Luminary Business Design (parent company)
  • For payment related to building your Online Course on the intelligent.coach platform, see below for invoicing details.

 

Infusionsoft Business Automation:

  • We recommend using Infusionsoft (http://www.wisdombusiness.academy/automate/), small business software, to manage your Wisdom Business.
  • If you elect to use this software, we can help. Heather “Ivri” Turner, Founder of Wisdom Business Academy, is an Infusionsoft Certified Partner. We will help you select and acquire the correct Infusionsoft account to serve your business.
  • Please wait for our assistance before proceeding to purchase Infusionsoft.
  • Infusionsoft has a required monthly fee for it’s subscribers (paid to Infusionsoft)

 

Questions:

Wisdom Business Academy packages are offered as a white glove service with a done-with-you approach. It is our honor to walk you step-by-step through the process. We will have meetings with plenty of opportunities to answer questions, strategize, and review. If you have any immediate questions, please email us at info@wisdombusiness.academy We want to be sure you know what is being provided and you are happy with our partnership to build your totally unique Wisdom Business.

 

Written and Graphic Content:

Any Content that Wisdom Business Academy assists you to develop or posts on your behalf to the internet or publishes in print is solely owned by you and is your responsibility to ensure is compliance with copyright laws. Wisdom Business Academy does not guarantee the compliance of any Content with copyright laws.

When using the services of Wisdom Business Academy or directing Wisdom Business Academy to post or publish content on your behalf, you agree to obey the law and to respect the intellectual property rights of others. Content created, posted or published is at all times governed by and subject to laws regarding copyright, trademark, patent, and trade secret ownership and use of intellectual property. You agree not to upload, download, display, perform, transmit, or otherwise distribute any information or content in violation of any party’s copyrights, trademarks, patents, trade secrets, or other intellectual property or proprietary rights. You agree to abide by laws regarding copyright, trademark, patent, and trade secret ownership and use of intellectual property, and you shall be solely responsible for any violations of any laws and for any infringements of any intellectual property rights caused by any content you provide, post, or transmit, or that is provided or transmitted using your username or user ID on any electronic platform or printed with notation as to your company  brand or name. The burden of proving that any Content does not violate any laws or intellectual property rights rests solely with you.

 

Account Terms for Any Accounts Related to Services Provided:

You are the sole owner for any 3rd party accounts that Wisdom Business Academy sets up or services in your behalf, including, but not limited to: websites, Infusionsoft application, business management software, technical software, etc.

You are responsible for maintaining the security of your account and password. Wisdom Business Academy cannot and will not be liable for any loss or damage from your failure to comply with this security obligation.

You are responsible for all Content posted and activity that occurs under your accounts (even when Content is posted by others who have access to your account).

You may not use any aspect of systems that Wisdom Business Academy services in your behalf for any illegal or unauthorized purpose. You must not violate any laws in your jurisdiction (including but not limited to copyright laws).

You must provide a privacy policy on your website to inform your end users and visitors of the privacy practices of your website. You may supply your own; provided, however, if you do not, Wisdom Business Academy reserves the right to supply one for your or terminate your account and its services to you, in its sole discretion.

 

Privacy and Data Protection:

You acknowledge that, in your capacity as operator of your business’ website and/or the intelligent.coach platform (if applicable), you are solely responsible for complying with any applicable privacy, data protection, or similar law governing the collection, use, sharing, or other processing or handling of personally identifiable information, personal data, or similar information in any jurisdiction worldwide (“Privacy Law”). This includes, where necessary under the applicable Privacy Law, and without limitation, your obligation to make available a privacy policy to the end users of the intelligent.coach platform.

IN THE EVENT THAT WISDOM BUSINESS ACADEMY OR INTELLIGENT.COACH, SUBJECT TO ITS OWN DISCRETION, MAKES AVAILABLE TO YOU A PRIVACY POLICY OR SIMILAR DOCUMENT TOGETHER OR IN CONNECTION WITH A WEBSITE, INTELLIGENT.COACH PLATFORM OR MOBILE APPLICATION (“COMPLEMENTARY POLICY”), SUCH COMPLEMENTARY POLICY IS PROVIDED TO YOU “AS IS” AND NEITHER WISDOM BUSINESS ACADEMY NOR INTELLIGENT.COACH NOR ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR CONTRACTORS MAKE A REPRESENTATION OR WARRANTY AS TO ITS COMPLETENESS OR ACCURACY OR ITS COMPLIANCE WITH THE APPLICABLE PRIVACY LAW. WISDOM BUSINESS ACADEMY AND INTELLIGENT.COACH HEREBY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHER (INCLUDING ALL WARRANTIES ARISING FROM COURSE OF DEALING, USAGE OR TRADE PRACTICE) REGARDING THE COMPLIMENTARY POLICY, AND SPECIFICALLY DISCLAIMS ALL IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE REGARDING THE COMPLIMENTARY POLICY.

You may use the Complimentary Policy for the purposes of making available a privacy policy to the end users of your Website(s) and/or the intelligent.coach platform we provide to you based on the Service, provided you review the Complimentary Policy before making it available to the end users and apply any necessary changes or amendments in order to ensure its accuracy, completeness, and compliance with the applicable Privacy Law. Wisdom Business Academy and intelligent.coach reserves the right to suspend its services to you or terminate your account or this Agreement for cause in the event that you use the Complimentary Policy in breach of this Agreement or violate the applicable Privacy Law when collecting, using, sharing, or otherwise processing or handling personally identifiable information, personal data, or similar information in connection with any of the websites / platform we provide to you based on the Service.

You shall indemnify, defend, and hold harmless Wisdom Business Academy and intelligent.coach and its directors, officers, employees, agents, and contractors from and against all liabilities, losses, damages, costs and expenses (including reasonable attorneys’ fees) arising out of or in connection with any claim or allegation by a third party (including, without limitation, end users and government authorities) that the Complimentary Policy, any revised version thereof, or the collection, use, sharing, or other processing or handling of personally identifiable information, personal data, or similar information you carry out in connection with the activities of Wisdom Business Academy and the intelligent.coach platform we provide to you based on the Service violates or infringes the applicable Privacy Law.

intelligent.coach Service Package Terms & Conditions for Purchase

 

Payment of Balance for intelligent.coach:

Your signed Scope of Work Agreement indicates the specific fee associated with the basic branding customization of your intelligent.coach online course platform and uploading your Content. (This fee does not include content creation, editing or organization)

Work will be invoiced incrementally (see below) until the Content you provide is uploaded on the platform.

 

Invoicing for intelligent.coach platform development:

1/3 of the fee will be invoiced as platform work commences

1/3 of the fee will be invoiced as the first draft is submitted to you (without Learner Generate Manifesto)

1/3 of the fee will be invoiced as all structural edits provided by you in a singular document are completed and Learner Generated Manifesto is activated.

All invoices are due upon receipt.

Pay by Check, bank transfer or credit card (+3% processing fee added for credit card)
Paid to Luminary Business Design (our parent company)

 

What’s Included:

  • 1 Course – ie an evergreen course, a group class, or client preparation/education process
  • Customized url (see below)
  • Custom branded template (see below)
  • Table of Contents
  • Up to 20 Lesson/Module Pages  – ie 5 Lessons with 4 Modules each.
  • Up to 3 Resources for each Lesson/Module Page
  • Up to 20 Exercises (Assessments) – up to 25 questions each
  • Member Portal
    • 1 Journal – up to 3 prompts
    • 1 Log – up to 10 metrics
    • File Downloads  – up to 3 files
    • File upload ability
    • Welcome message from You – 200 words
  • Lesson/Module Overview Page – Clickable “tile” images to access each
  • Basic Learner Generated Manifesto (see below) – Includes title page, intro paragraph, the Exercise content as written in the course platform, and outro paragraph
  • Milestone tags at the end of each Lesson / Module

You must provide all content and graphics for the above list.

Additions to what is included is welcome, ie more pages or more Exercise questions. A customized Learner Generated Manifesto with additional copy & images can also be designed and implemented. Additional fees apply.

 

Customized URL:

Your intelligent.coach app will be hosted on our servers. You will be able to access the app via a new URL (customized subdomain of intelligent.coach) that matches your brand.

www.YourCompany.com-coach.me

Example:

www.WisdomBsuinessAcademy.com-coach.me

 

Customized Template Includes:

Graphics: Your existing banner, lesson/module tiles, social media image link
Member Hub: Custom designed colors; posting profile pic, welcome message, journal, log, file upload/download box
Lesson/Module Pages: Custom colors for content boxes, Video Box, Resource box, Exercise Box, Action Step Box, Message box

Learner Generated Manifesto function

You are responsible to provide all of this content in a “final” format (as noted below)

 

Course Creation Formula Document:

In order to assist you in creating an engaging, well-formatted online course, you will receive our Course Creation Formula Document included in every intelligent coach Service Package.

You are responsible to ensure that all of your Content and graphics are created in accordance with the format provided here (or another agreed upon format): https://wisdombusiness.academy/course-creation-formula/

If you purchased a Service Package that features hours devoted to course creation coaching, we will use this document as the basis for our work.

 

Content Upload:

You are responsible for providing all content and graphics in a “final” format as outlined here: https://wisdombusiness.academy/online-course-asset-management/  Any Content that is submitted as final format and then requires a change of any kind will be subject to a change fee of $200 per hour of work.

All of your content is owned by you. Intelligent.coach assumes no responsibility or ownership rights of any of your content or coaching methods.

Each Service Package is for the development and uploading of 1 online course/class.

For the cost of the purchase of the Package, we will upload up to 20 Lesson/Module Pages – ie 5 Lessons with 4 Modules each.

Additional Learning pages (Lessons or Modules) will be charged $100 each.

Providing content to intelligent.coach: Set up a free Dropbox account and use the specified nomenclature (to be provided) for all content files uploaded.

Your videos will be embedded in your course platform. But they are hosted elsewhere. Your videos can be hosted on your free YouTube (preferred) or your Vimeo account. (Other video hosting services are accommodated on a case-by-case basis.) Videos can be marked as “unlisted” and only accessed through your online course.

 

Learner Generated Manifesto:

The Learner Generate Manifesto is a customized summary document of the work the Learner accomplished in your online course. In each Lesson, build Exercise Questions in which your Learner writes their thoughts, goals, intentions, ideas, commitments, etc.

You create and provide a Manifesto Template framework with a cover page, intro & outro paragraphs.

intelligent.coach will automatically compile the Learner-generated answers from the Exercise Questions into your Manifesto Template. Learners can update their Exercise answers which will automatically update their Manifesto.

Manifesto ideas include (but are not limited to): a business plan, a life vision treatise, a personalized health plan, a customized training regimen, etc

At the end of the course, your Learners can download a PDF of their unique Manifesto summary document. This is a unique value proposition selling point for your courses. Your Learner will have a tangible take-away product. Completely unique to intelligent.coach.

 

Payment Processing For Your Course – 2 Options:

1. Infusionsoft integration – see below
2. Process purchase directly through intelligent.coach: Direct your Prospect to a custom intelligent.coach purchase page. Process payment through your own Stripe (www.stripe.com) account.

 

Basic Infusionsoft Integration:

Wisdom Business Academy / intelligent.coach is a Certified Infusionsoft Partner and fully qualified and authorized to perform your Infusionsoft integration.

We can help you get set up and fully leveraging the power of Infusionsoft for your business when you sign up for our Infusionsoft Quickstart package (enquire for details).

For Basic Infusionsoft Integration, you must be a subscriber to Infusionsoft with the eCommerce add on. (Monthly subscription fees apply, paid to Infusionsoft)

New to Infusionsoft: Click here for more information about Infusionsoft. (http://www.wisdombusiness.academy/automate/)

For existing Infusionsoft customers: We will create one Course Purchase / Delivery Campaign. This Infusionsoft campaign will:

1.) create your course as a Product in Infusionsoft

2.) process payment through your associated payment processing method in your infusionsoft eCommerce add on. We recommend We Pay, infusionsoft’s integrated payment system.
3.) set up a confirmation email to the customer with your desired message and course login instructions
4.) automatically push customer (Learner) credentials to intelligent.coach for immediate Learner access to your course once they have successfully purchased.
Tagging Learners according to milestones completed in intelligent.coach course (ie completion of Lessons and Modules). These tags are integrated within your Infusionsoft app.

 

Robust Infusionsoft Integration (additional fee – inquire for quote):

Includes all aspects of Basic Integration (please read above)
Build 3 tag-triggered Infusionsoft campaigns of moderate size to upsell or nurture Learner (excluding webinars or 3rd party integration)Use the tags that are integrated between intelligent coach and Infusionsoft to trigger campaigns.
Additional campaigns can be build on a case-by-case basis for an additional fee.

 

intelligent.coach Monthly Maintenance Fee:

$79/month for 500 Users without the Mobile App
$109/month for 500 Users with the Mobile App
Additional Users in 500 User increments: $19/month
Includes:

Database hosting for all your intelligent coach courses on our secure cloud server
Continuous feature updates to ensure compatibility with different platforms
Back end portal to allow unlimited updates to your courses
Detailed user analysis
Terms of Service:

Terms of Service for use of the intelligent.coach platform can be found on the Terms of Service page (https://intelligent.coach/terms-of-service/)

 

Mobile App: (additional fee – inquire for quote)

Provided by our sister company, AZ mobile Apps (owned by Chris Whitcoe)

Android Users: Your app is listed on Google Play
iOS Users, either:Progressive Web App: via direct web link
Apple Store: Your app can be listed on the Apple Store for an additional fee of $199 paid to intelligent.coach. Apple requires that each company must set up its own developer account to host their app (fees apply, paid to Apple).

Terms of Service for intelligent.coach

 

With your purchase of qualifying Service Packages or paying a fee (now or in the future) for your content to be uploaded to the intelligent.coach platform, you are contracting with intelligent.coach to host your course on the intelligent.coach platform which you access via www.YOUR-IC-SITE-URL/admin (“Service”) you are agreeing to be bound by the following terms and conditions (“Terms of Service”).

intelligent.coach reserves the right to update and change the Terms of Service from time to time without notice. Any new features that augment or enhance the current Service, including the release of new tools and resources, are subject to the Terms of Service. Continued use of the Service after any such changes shall constitute your consent to such changes. You can review the most current version of the Terms of Service at any time at: www.intelligent.coach/terms-of-service.

Violation of any of the terms below may result in the termination of your Account. While intelligent.coach prohibits such conduct and Content on the Service, you understand and agree that intelligent.coach cannot be responsible for the Content posted on the Service and you nonetheless may be exposed to such materials. You agree to use the Service at your own risk.

 

Account Terms

You must provide your legal full name, a valid email address, and any other information requested in order to complete the signup process for intelligent.coach.

You are responsible for maintaining the security of your account and password. intelligent.coach cannot and will not be liable for any loss or damage from your failure to comply with this security obligation.

You are responsible for all Content posted and activity that occurs under your intellignet,coach account (even when Content is posted by others who have access to your account).

You may not use the Service for any illegal or unauthorized purpose. You must not, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).

You must provide a privacy policy on your Service to inform your end users and visitors of the privacy practices of your Service. You may supply your own; provided, however, if you do not, intelligent.coach reserves the right to supply one for your or terminate your account and its services to you, in its sole discretion.

 

Payments and Refund Terms

A valid credit card is required to bill your intelligent.coach Monthly Maintenance Fee.

There will be no refunds or credits for setup fees, partial months of service, upgrade/downgrade refunds, or refunds for months unused with an open account. In order to treat everyone equally, no exceptions will be made.

All fees are exclusive of all taxes, levies, or duties imposed by taxing authorities, and you shall be responsible for payment of all such taxes, levies, or duties, excluding only United States (federal or state) taxes.

If you add a Mobile App to your intelligent.coach platform, intelligent.coach will use commercially reasonable efforts to have the Mobile App approved by the appropriate mobile platform provider. Although there is a high likelihood of approval, we do not and cannot guarantee acceptance. If your Mobile App is denied by the appropriate mobile platform provider you may cancel your Monthly Maintenance Fee, the Mobile App will be shut down, however, there are no refunds for the App development or any monies already paid.

 

Cancellation and Termination

Term. This Agreement will be in effect from the time that the Service(s) is activated until (1) it is terminated as provided for by this Agreement or by any addendum to this Agreement or (2) it is replaced by a revised Agreement.

Monthly Maintenance Fee. You must cancel your subscription before your monthly renewal date and prior to debiting of funds to intelligent.coach in order to avoid the next billing (each Monthly Period). We will bill the Monthly Maintenance Fee plus any applicable taxes to the Payment Method you provide to us during registration (or to a different Payment Method if you change your account information). WE DO NOT PROVIDE REFUNDS OR CREDITS FOR ANY PARTIAL-MONTH SERVICE PERIODS. intelligent.coach shall not refund to You any fees paid in advance of such cancellation and You shall be obligated to pay all fees and charges accrued prior to the effectiveness of such cancellation; further, You shall be obligated to pay 100% of all charges for all services remaining in the service period.

Cancellation. All cancellations must be made in writing, via email, to info@intelligent.coach. Sending an email to any other intelligent.coach email address shall not constitute a proper notification of cancellation.

Your Obligations Upon Cancellation. Once an email is sent to info@intelligent.coach regarding cancelling your Service, an intelligent.coach representative will reach out to you for a closeout interview within 48 hours. This exit interview is mandatory for cancelling your Service and intelligent.coach will continue to bill your account if your exit interview does not occur within two (2) weeks.

intelligent.coach reserves the right to refuse service to anyone for any reason at any time.

 

100% Satisfaction Guarantee Terms

If for whatever reason you are unsatisfied with your intelligent.coach platform within the first month of service, intelligent.coach guarantees to refund the first month of Monthly Maintenance Fee with no questions asked.

This guarantee does not apply to months after a full month of service has passed and only applies to the initial month of service with the intelligent.coach platform.

You will not be refunded monies paid to build your intelligent.coach platform or load your content.

 

Modifications to the Service and Prices

intelligent.coach reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice.

intelligent.coach shall not be liable to you or to any third party for any modification, price change, suspension or discontinuance of the Service.

From time to time, intelligent.coach may issue an update to your intelligent.coach platform which may add, modify, and/or (in very rare circumstances) remove features from the application. These updates may be pushed out automatically with little or no notice, although intelligent.coach will do everything in its power to notify you in advance of an upcoming update, including details on what the update includes.

 

Copyright and Content Ownership

We claim no intellectual property rights over the material you provide to the Service. Your profile and materials uploaded at www.YOUR-IC-SITE-URL/admin remain yours. However, by using the intelligent.coach to publish your online course, you agree to allow your Learners (customers) to view and share your Content.

intelligent.coach does not monitor Content, but intelligent.coach and its designee have the right (but not the obligation) in their sole discretion to refuse or remove any Content that is available via the Service.

By posting Content on the Service, you warrant and represent that you own the rights to the Content or are otherwise authorized to post, distribute, display, perform, transmit, or otherwise distribute the Content.

When accessing or using the Service, you agree to obey the law and to respect the intellectual property rights of others. Your use of the Service is at all times governed by and subject to laws regarding copyright, trademark, patent, and trade secret ownership and use of intellectual property. You agree not to upload, download, display, perform, transmit, or otherwise distribute any information or content in violation of any party’s copyrights, trademarks, patents, trade secrets, or other intellectual property or proprietary rights. You agree to abide by laws regarding copyright, trademark, patent, and trade secret ownership and use of intellectual property, and you shall be solely responsible for any violations of any laws and for any infringements of any intellectual property rights caused by any content you provide, post, or transmit, or that is provided or transmitted using your username or user ID. The burden of proving that any Content does not violate any laws or intellectual property rights rests solely with you.

All original intelligent.coach Content included on its site, its Software, and through the Service is the property of intelligent.coach and is protected by U.S. and international intellectual property laws. All intelligent.coach content, Software, code, HTML/CSS, and visual design data is copyright 2018 to Present intelligent.coach.

 

General Conditions

Your use of the Service is at your sole risk. The Service is provided on an “as is” and “as available” basis.

Technical support is available via email. The technical support email address is support@intelligent.coach

You understand that intelligent.coach uses third party vendors and hosting partners to provide the necessary hardware, software, networking, storage, and related technology required to run the Service.

We may, but have no obligation to, remove Content and Accounts containing Content that we determine in our sole discretion are unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Service.

Verbal, physical, written or other abuse (including threats of abuse or retribution) of any intelligent.coach customer, employee, member, or officer will result in immediate account termination.

You understand that the technical processing and transmission of the Service, including your Content, may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.

You must not upload, post, host, or transmit unsolicited email, SMSs, or “spam” messages. You must not transmit any worms or viruses or any code of a destructive nature.

intelligent.coach does not warrant that (i) the Service will meet your specific requirements, (ii) the Service will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the use of the Service will be accurate or reliable, (iv) the quality of any products, services, information, or other material purchased or obtained by you through the Service will meet your expectations, and (v) any errors in the Service will be corrected.

You expressly understand and agree that intelligent.coach shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if intelligent.coach has been advised of the possibility of such damages), resulting from: (i) the use or the inability to use the Service; (ii) the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from the Service; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of any third party on the Service; (v) or any other matter relating to the Service.

The failure of intelligent.coach to exercise or enforce any right or provision of the Terms of Service shall not constitute a waiver of such right or provision. The Terms of Service governs your use of the Service, superseding any prior agreements between you and intelligent.coach related to the use of the Service (including, but not limited to, any prior versions of the Terms of Service).

In no event shall intelligent.coach liability to you exceed the amount actually paid to intelligent.coach by you during the preceding 12 months.

Any exclusions of liability contained herein are not applicable to residents of Arizona. With respect to residents of Arizona, intelligent.coach shall not be liable for any damages resulting from the use of this Site or Service unless such damages are the result of our negligent or reckless acts or omissions.

SOME STATES AND/OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF DIRECT, INDIRECT, INCIDENTAL, SPECIAL AND/OR CONSEQUENTIAL DAMAGES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.