Finance Philippines

Felix has been carrying a torch for Gray, his childhood love, for as long as he can remember. After they graduated, Gray mysteriously cut off all communication, leaving Felix confused and heart wrenched. His friend, trying to help him move on, introduces Felix to her cousin Matthew, a silent, but charming Englishman who found his way onto Philippine soil. Matthew is everything Felix didn’t expect. As their friendship blossoms into something deeper, Felix begins to wonder if he can finally move past Gray. But just when things seem to be falling into place, Felix discovers that Gray is also attending Northerners University. Suddenly, Felix’s once-uncomplicated feelings become a tangled mess, as he finds himself torn between the nostalgia of his unspoken love for Gray and the fresh excitement of his budding romance with Matthew. With both men now a part of his campus life...things are bound to swirl around unexpected changes.

Killed by her childhood sweetheart who was also her fiance, Wei Ning vowed to forget him and never love him again, if she was given another chance. Taking pity on her miserable state, system gave her another chance however what she didn't know was; even if there was another chance, she didn't had another choice. Stuck with her killer finance again, Wei Ning made another vow, even if she were to die, she would take him down with her. But wait, her killer fiance who had always hated her in her past life, why he was showing concern when she got a scratch on her face? why beat the shit out of that certain young master from a noble family to avenge her? And why he was being so affectionate and protective towards her? How was she going to take revenge on her innocent fiance in this life who was her killer in her past life? Faced with so many challenges let's see Wei Ning's journey who had vowed to CHANGE THE SYSTEM in this life.

Yuki Mitsumu is 20 years old college student from Philippines his major is Business Management and his a half Filipino and half Japanese, his a big fan of anime and his most favorite anime is Hunter x Hunter, One day while his walking home from school he got hit by Truck-Kun in the middle of the road and when he woke up he got reincarnated and what's more he woke up as an orphan and after Five years he got adopted by the Nyx Family. The Nyx Family is famous for being the second strongest family in the whole Cepheus Empire after the Imperial Family and what's scares him the most when he found out that it's a family of Assassins "what are they planning to do with a five year old like me? and why did they adopt me in the first place if the Nyx Family has 5 sons and all of them are well trained assassins and famous for their own talent." This is when the Adventure begins!!!.

Robert Maxwell owned a global accounting firm, was a Nobel Prize-winning economist, global economic consultant to countries around the globe, but he was dying of old age. Robert reincarnated as William vont Ballard, the third son of Baron Richard vont Ballard. Unlike his siblings, William doesn't want to be a knight or wizard, instead, he wants to be a merchant and an accountant. However, the journey to fulfilling his new life goals continues to throw him twists and turns. Luckily, he finds time for his true passion accounting and economic consulting. Follow Robert on his journey to become the next Minister of Finance for the Kingdom of Fermion. Author's Note: I'm a new writer, so please be patient. Consider each chapter a rough draft that will be improved later. I don’t own the rights to the cover photo, please let me know if you want it removed. buymeacoffee.com/?via=leonarddthQ

Synopsis: James Smith, a successful but unfulfilled investment banker, meets an untimely death during the 2025 New Year celebration. To his shock, he awakens in the body of his infant self in 1980, in his childhood home in New York. Armed with the knowledge of the future, James sets out to rewrite his life story. He uses his expertise in finance and investments to create a legacy of wealth, not just for himself but also for his family. Along the way, James learns that success isn't just about money but about relationships, love, and living without regret. But as he manipulates events to his advantage, he discovers that changing the past has unforeseen consequences. Will James find true fulfillment in his second life, or will his choices lead to new challenges?

Lee Seungho, the son of two renowned and influential figure, is born into a world of privilege and power. As the heir to the hermit family, the Lee family, one of the wealthiest and most powerful family in the world, Seungho carries the weight of his lineage on his young shoulders. From birth, Seungho is immersed in the intricacies of the family business, a complex network of global enterprises spanning from technology and finance to art and philanthropy. He is groomed to be a leader, a visionary, and a shrewd businessman, expected to uphold the family's legacy and further expand its influence. He inherits not only the family's wealth and power but also a unique system like his mother Lee Minho, designed to cultivate him. This system, a rigorous program of education, training, and real-world experiences especially of flaunting wealth. However, Seungho's path to succession is not without its challenges. As Seungho navigates the complexities of family, business, and personal growth, he must learn to balance the expectations placed upon him with his own desires and aspirations. He must prove himself worthy of the mantle of leadership, while remaining true to himself and the values he holds dear. [it's the SEQUEL of my first book 'THE SYSTEMS GOLDEN STANDARD']

An ordinary college student named Jiro stumbles upon a mysterious scroll, unlocking a world of cultivation, ancient myths, and supernatural creatures. As foreign forces converge in search of legendary artifacts, Jiro’s newfound abilities and a growing connection with mythical beings, like a watchful Tikbalang, thrust him into the center of a dangerous web of secrets. Amid chilling ghost stories, curious transfer students, and his own growing powers, Jiro must navigate a world where folklore, myths and reality collide, discovering his true destiny along the way as he cultivates to become the strongest in the universe. DISCLAIMER!!! I used ai to enhance my grammar but the storyline,dialogues, and idea are mine and mine alone.

It all began in the park years ago when Helen met jack accidentally, helen was playing with her ball with her brother, when her brother hit it to a place jack were. Ongeting there jack have already pick up the ball and was playing with it cos his parents were always too busy for him even when on vacation. Helen got there finding jack with her ball and saw how he was lonely and ask if he would love to play with her and he agree saying yes he would love to. They spent a wonderful time together playing and laughing before departure,,Jack on the other hand couldn't forget the beautiful smile in Helen faces and dreams all day long about her.. Years later Helen family were having crisis with there finances and was at the edges of bankruptcy with nobody to help them..On the other hand... Jack returning from abroad and was bent on finding Helen to marry her but was shock when he find out the problem she and her family were passing through, he decided concede his identity to help them and win over Helen heart. But will things go as he plan or will they be a tragedy change of plan or will Helen fall in love with him too?, Find out in the book of "THE MAFIA GOD". Enjoy the Novel thanks.

Sarah Yamazaki, an 15 years old Girl who has been abused by her parents and society for years, has fallen into depression and stress with multiple mental illnesses. June 4th  the day of her birthday Her father tried to sell her due to lack of money and finance issues, She ran away as soon as she dashed away from those buyers as she found her self in the middle of the road as a Truck hit her.

As an HR Manager at Fresh Start Recruitment Agency in Auckland, I never thought I would fall victim to such a scam. At first, I felt hopeless, as though I would never see that money again. The situation seemed overwhelming, and I wasn’t sure where to turn for help.After researching recovery options, I found DUNAMIS CYBER SOLUTION Recovery and decided to contact them. I was initially skeptical, given the many failed attempts I had made to retrieve my lost funds, but their reputation for handling similar cases made me hopeful. From the moment I reached out, their team was professional, approachable, and determined to help. They took the time to understand the details of my situation and quickly devised a plan to recover my lost funds.What stood out about DUNAMIS CYBER SOLUTION Recovery was their efficiency and transparency throughout the process. They kept me informed every step of the way, ensuring I knew exactly what actions they were taking on my behalf. Within just 9 days, they had successfully recovered NZD 18,000 of the lost money a result far beyond my expectations. The entire process was smooth, and they handled all the intricate details without burdening me with unnecessary tasks. Their expertise allowed them to navigate the complexities of the situation swiftly and with great precision. I felt reassured knowing that professionals were handling my case.Thanks to DUNAMIS CYBER SOLUTION Recovery, I regained a significant portion of the funds I had lost. More than that, I felt a tremendous sense of relief and regained confidence in managing my finances. Their service restored my peace of mind, and I am immensely grateful for their support. If you find yourself in a similar situation, I would highly recommend DUNAMIS CYBER SOLUTION Recovery for their prompt and professional approach. They truly delivered, and I am incredibly thankful for their help in getting my finances back on track. Dunamiscyber@solution4u.com contact@dunamiscybersolution.com +13433030545

Ren Takashi, a 17-year-old high school student, has struggled to keep his life on track. With his parents having been killed 2 years ago, he was forced into the cruel world of adulting too soon, having to manage both finances and relationships all while he takes care of his two younger sisters. Every day, he wonders if things will ever change... On the day of his opening ceremony, he gets his wish... twice? Ren meets Emery, a transfer student who turns out to be crushing on his best friend! At the same time, he is offered a special opportunity to become an Avian: a suit-wielding bounty hunter who carries out hits for quick cash. Talk about luck! But as he delves deeper into the difficulties of these complex emotions and deadly consequences, he realizes he isn't as lucky as he first thought. Will Ren maintain the balance between his work and school life? Or will everything interlock, and force him down a difficult path that could result in him losing everything and everyone he cares for?

What would happen if history took a different course back in 1898 and the Filipino revolutionaries learned of the secret negotiation between the American and Spanish forces in Manila? How will the future of the Philippines change?

In the waning years of Spanish colonial rule in the Philippines, a young boy named Alfonso XIII was proclaimed King of Spain in 1886. However, being just a child, his mother, Queen Maria Christina, ruled as regent in his place. Queen Maria Christina adopted a somewhat lenient policy, granting the Filipinos a degree of freedom while still keeping them as subjects of the Spanish monarchy. As time passed, the Philippines remained under Spanish rule until it was finally passed on to Alfonso, Prince of Asturias, in 1920. But Alfonso, wise beyond his years, saw the plight of the Filipino people and understood their deep desire for independence in their hearts. He made a momentous decision – renouncing his claim to the Spanish throne and requesting to govern the Philippines instead. Surprisingly, the Spanish monarch agreed to this arrangement, and Alfonso was given the unique responsibility of managing the Philippines as a separate entity. But unknown to everyone, the original Alfonso, Prince of Asturias, died due to drowning accident and was replaced by Miguel Reyes. In a world reminiscent of the early twentieth century but with a twist, Miguel Reyes, a brilliant scientist,engineer, military enthusiast, and businessman from the Philippines, found himself in a strange predicament. After a fatal car accident in 2023, Miguel was granted an extraordinary second chance at life. He awakened to find his soul inexplicably reincarnated into the body of a prince in a distant land. Confused and disoriented at first, Miguel soon discovered that he was inhabiting none other than the young Alfonso, Prince of Asturias, decades before his untimely death. Realizing the significance of this opportunity, Miguel knew he had to act wisely. He had lived a life devoted to knowledge and progress, and now he found himself in a pivotal position to change history for the better. Armed with the knowledge of Alfonso's fate and aware of the impending struggles faced by the Philippines, Miguel resolved to take a different path. Join Alfonso (Miguel Reyes) on a life-changing experience. Will Miguel Reyes find tranquility in his second life as he governs the nation and steers it towards greatness? Or will he face the shadow of a conspiracy lurking within the borders?

Ferdinand Salazar, a distinguished Professor of Political Science at the University of the Philippines Diliman, finds himself thrust into an unimaginable scenario when a bomb blast obliterates the classroom where he was teaching, only to awaken moments later in the body of another man—Ferdinand Marcos Sr. As Salazar grapples with the shock of his new reality, he realizes the immense potential his newfound position holds. Armed with insights from the future, he sees an opportunity to reshape the course of Philippine history and elevate his country to unprecedented heights of wealth and power. But altering the course of history is no easy task, and Salazar faces formidable challenges as he navigates the treacherous political landscape of his time. He must tread carefully, leveraging his knowledge of future events to outmaneuver adversaries and implement transformative policies that will secure the prosperity and influence of the Philippines. Yet, as Salazar delves deeper into the complexities of his altered reality, he grapples with moral dilemmas and ethical quandaries. How far is he willing to go to achieve his vision of a prosperous Philippines? And can he truly reconcile his identity as Ferdinand Salazar with the persona of Ferdinand Marcos Sr.?

After experiencing a literal apocalypse back on Earth, the main protagonist, Arjay Craftel, awakens in a strange land far from the usual place he calls home. A world of magic and monsters exists, what can a frail and failing college student do to survive a land filled with danger? ________________________ Hey everyone! Yaj here. I'm excited to join this WPC and hope you’ll enjoy my story. I'll be posting updates weekly on Mondays, Wednesdays, and Fridays at midnight (Philippine time). Stay tuned!

Winter was born with albino disorder, and because of her pale skin, unusual eye color, and white hair, she lives like a ghost child. Some people called her weird, but that did not bother her because she has seen ghosts and magical creatures since she was a child. When her father died due to illness, she was left alone with her stepmother, and they returned to the Philippines to live in her father's hometown. She then encountered an enigmatic man who initially gave her the impression that he was just another ghost before revealing who he really was. He is the fairy king who is protecting the old three in their land, as well as the man who will forever change her life. Originally written by Seirinsky.

A thirty-year-old man, handsome with a height of 180 cm, a graduate of a prestigious American university, holding a master's degree in finance. He is an elite returnee with an annual income in the millions, owns a house and a car, and is debt-free. He is now seeking a same-sex friend with the following criteria: similar age, good-looking, a university degree or higher, a stable job (preferably in a public institution or government), a gentle personality, and preferably someone who can cook. This familiar flyer-style introduction and the factory-like resume are so stereotypical that he almost feels like a fraud despite his prestigious background. Ryan He: "Mom, where did this flyer come from?" His Mom: "From the people’s park matchmaking corner." Ryan He: "Complete scam. Don’t contact them." His Mom: "Too late." CP: Ryan He x Nathan Deng Nathan: The teacher, the "top" (seme), athletic and caring. Ryan: The "bottom" (uke), a financial elite with a slightly unhinged personality. There’s no emotional baggage, no messy exes. The story begins after a breakup with a real ex. 1v1, mature themes.

Rubie Jane Estrada was twenty-Three years old a simple yet gorgeous woman living in a small province in the Philippines. Her father was involved in a car accident, before her father died he Revealed the truth about Rubie's mother. Rubie Meet Daryl Hermosa they become friends later on they fall in love with each other but when Rubie's Grandfather find out about their relationship, he decided to make an arranged marriage between her Granddaughter Rubie and Kester Tacuel. Who would be the one for Rubie is it kester or Daryl?

A turn of events suddenly thrusts Xela Reyes to the world of parenting. Meet Crispin, sweet little five-year-old boy who ended up on Xela's lap—literally. As if running a café by herself wasn't hard enough. But then, Xela suddenly realized they were living in a novel and Crispin is actually the young male lead who ends up dying in a tragic accident. And Xela, is actually the poor side character who gets killed off in the early part of the novel! Reason she gets killed off? To add to the male lead's misery. Right now, they're one year away from Xela's death flag. Determined to avoid death, she strives to become a better mother for Crispin despite having little to no maternal instinct and with no sense of responsibility. Join Xela as she tries to maneuver through motherhood and death flags! #side_character #living_inside_a_novel NOTICE: This book tackles a lot about the discrepancies between modern and traditional parenting, mostly in my country: the Philippines. Well, maybe a mix of cultures too from Japan and western countries. Take this info with a grain of salt and I hope you enjoy the read!

She saw it. She heard it. She knew something was wrong. Something's definitely happening around her. ***** Dayanara Avelino is a finance manager and an art advocate. She's living her almost perfect life under the guidance of her loving parents, caring brother, and loyal employees. She had everything she needed in life. Until one day, she started hearing, seeing, and feeling things. Things that aren't supposed to be felt by a normal person. She became her horror. Her life has turned upside down since then. What'll be her reaction when she finally finds out that the man she loved the most was behind this all? Do you believe that first love never dies?

Lin Feng, an underappreciated coder struggling to survive in the fast-paced tech world of Beijing, accidentally stumbles upon a mysterious AI program—The Digital Dynasty System. Unbeknownst to the world, this AI isn’t just a tool for controlling finances or analyzing data like other modern technologies; it's an ancient relic tied to forgotten martial arts sects and secretive global powers. When Lin unknowingly merges with the system, it gives him not only mastery over digital networks but also enhances his martial arts skills, allowing him to predict enemies' moves and become a force unlike any other. As Lin slowly uncovers the immense potential of the Digital Dynasty System, he draws the attention of powerful enemies, both from the tech world and ancient martial arts clans. These factions, led by ruthless figures like the tech mogul Wang Yixiao, see Lin as a threat to their control over the world’s wealth and power. In his journey from a lowly programmer to a rising force in both the digital and martial worlds, Lin must learn to balance his growing powers, navigate complex relationships with four mysterious women, and prepare for the hidden forces that have been pulling the strings of the world for centuries. But the greatest threat is yet to come—

In the sizzling world of contemporary romance and workplace drama, "Working Hours" delves deep into the tangled web of desire and power at Kikomori Financing. When Aaliyah, reeling from a painful past, finds solace in a surprising connection with her coworker Lee, little does she know that their encounter will unravel a chain of events that tests her heart and career. As the enigmatic Kai, president of the company, unveils his true identity in a ruthless display of power, Aaliyah is thrust into a whirlwind of conflicting emotions. Her attraction to Kai battles against the stark realities of office politics and personal demons, leading her down a path of self-discovery and growth. With seductive undertones and lush descriptions painting a vivid picture of love, ambition, and intrigue weaves a tale of passion and resilience in the face of unexpected challenges. Will Aaliyah find the strength to navigate the complexities of her newfound relationship with Kai while forging her own path to empowerment? Discover a world where boundaries blur and desires ignite in this evocative journey toward love and self-acceptance.

.... Story of a young boy aged 17 named "Xinzu Celestial" he was normal teenage boy ,growing up in city planning to enter college, he had never expect his own sibling planning to do his reasearch on plants on an abandoned village from some poverty backward remote corner of earth,being dragged by his brother to go pack up he had no choice but to come with him. "Linlang Forest " where there destination to go, coming all the way from New York to the other side of remote corner of Philippines. .. Forced to accompany his brother Xinzu Celestial got in car with his brother Zapher to do a biological research in some undiscovered species of plants. Being dragged to the mess,he finds himself stuck in a road without a signal on...things seems to get bizarre as they got near into their destination . After coming to the Small town people seem to warned them not coming to the village ,where people are rumored to be carnival . Join our protagonist "XINZU CELESTIAL" as he tried to find his way back home ....

What if... You got reincarnated as a Filipino? Help Tristan Santiago Luna now known as "Malakas" (Strong) in his beautiful historical journey of the Philippines and it's struggles. Tristan suddenly found himself in a unfamiliar small house, last he could remember is watching a drama last night. What's this? Tristan suddenly feel something within him... ___________________________________________________________________________ Hello! Author here, Yeah I made another novel, but I just wanted to make another novel just to get this out of my chest, make sure you guys read the disclaimer so that I could explain and also so tha you guys can understand my point. The photo is also not mine I just saw it in google.

Alexa's life is a never-ending cycle of exhaustion and heartache in a dilapidated house on the city's outskirts. Since her mother's death, her Governess has resented her existence from losing financial support with her gambling addiction. With each passing day, Alexa works tirelessly to make ends meet, cleaning up after her drunk guardian and managing the household independently. Despite her efforts, her guardian's reckless behavior only worsens, and soon, the weight of her debt threatens to crush them both. It's a thrilling tale of survival, temptation, and the high cost of freedom. Alexa is caught between the past and a perilous future. Excited but nervous, she moves from the slums of the Philippines to the pinnacle of American power and into the world of the Royal. Journey with me how Alexa navigates her life as 'The President's Daughter and her Royal Whirlwind Romance.' *** Follow me on IG, FB, Tiktok. @AJZHEN

In the labyrinthine world of high finance, power, and hidden agendas, Jiang Ting, the enigmatic and ruthless president of Ying Group, shocks everyone by settling a staggering 30-million-dollar debt for a low-level trading analyst, Astra. What could drive a man of his stature to such an irrational act? The answer lies in Astra's carefully concealed secret — her ability to cast spells and foresee the future. Yet Astra is a woman of conviction, refusing to use her mystical talents to chase wealth. Unmoved by her defiance, Jiang Ting exerts his dominance, weaving a web of pressure, coercion, and calculated manipulation. But as sparks of defiance and dominance clash, an unexpected and forbidden emotion ignites between them, drawing them ever closer to a line neither thought they'd cross. Under the weight of Jiang Ting’s relentless demands and their volatile relationship, Astra finally breaks her vow and uses her spells to fuel Jiang Ting's ambitions, turning his already formidable empire into a financial juggernaut. But the universe does not grant power without cost. The karmic consequences of using magic for profit begin to darken their path, each success shadowed by an invisible debt they cannot repay. As they navigate a world of cutthroat real estate deals, volatile stock trades, and risky foreign exchange maneuvers, they are pursued not only by external rivals but also by the unseen forces that seek to reclaim balance. Amidst these dangers, Astra begins to unravel Jiang Ting’s true motivations — secrets that could shatter everything they have built and redefine the very nature of their bond. Together, they walk a tightrope over a chasm of power, destiny, and fate. The question remains: when the final reckoning comes, will their alliance be their salvation — or their ultimate destruction?

Investing in Ethereum (ETH) seemed like a promising opportunity, fueled by my skepticism toward fiat money and decades-long preference for alternative mediums like computers. Intrigued by cryptocurrency and its potential, I encountered an aggressively advertised second-generation bank trading app claiming monopolistic exclusivity and future rewards through its wallet. Their professional branding, assurances of regulation, and convincing logos made the offer seem legitimate. I conducted due diligence—verifying the bank’s registration, legitimacy, and operational hours. However, scammers are often steps ahead of regulators. Sophisticated phishing campaigns and fraudulent websites mimicking legitimate entities made their scheme convincing. I sent BTC as an initial investment, only to realize it was a scam. The untraceable nature of cryptocurrency made recovery seem impossible. Bitcoin, often exploited by fraudsters, is two and a half times more likely to be used in investment-related scams than other payment methods. Fortunately, I recovered a significant portion of my funds with the help of **Dunamis Cyber Solution Recovery**, restoring both my finances and my confidence. This experience taught me the importance of vigilance, thorough research, and seeking professional assistance when needed. I emerged smarter and more determined to avoid similar pitfalls in the future. contact@dunamiscybersolution.com +13433030545 Dunamiscyber@solution4u.com

In the glittering world of Manara Bay's elite, Isabella Mitchell steps into her dead sister's shoes as the bride of billionaire Carlton Blackwood, armed with nothing but a thirst for revenge and her sister's face. But beneath the surface of high-stakes finance and billion-dollar deals, a darker game is being played.

As an architect, I’ve always prided myself on making calculated decisions, whether it’s designing a building or managing my finances. However, I found myself blindsided and devastated when I fell victim to the "pig butchering" and fraudulent Forex trading schemes that have become all too common in the world of online investing. Like many others, I was lured by promises of high returns and easy profits, only to discover that I had been scammed out of a significant sum of money. I had no idea where to turn and assumed my funds were lost forever.For months, I struggled with the reality that I would never see my money again. I became disillusioned with the idea of recovery and resigned myself to the thought that I had made a mistake I couldn’t undo. That was, until I came across an online review about a service dedicated to helping individuals recover lost crypto and funds. The idea of recovery seemed almost too good to be true, but after reading through various testimonials from people who had been in the same position as me, I decided to reach out to a professional firm called Digital Hack Recovery.At first, I was skeptical. After all, I had already lost faith in online promises and wasn’t sure if anyone could actually help. But when I contacted Digital Hack Recovery, I was immediately impressed by their professionalism and understanding. They listened carefully to my story and took the time to explain the recovery process in clear, concise terms. What stood out most was their genuine approach—they didn’t make unrealistic promises, but instead outlined a realistic strategy to track and recover my funds.Their team worked diligently, employing a combination of financial investigations, legal expertise, and blockchain technology to trace the stolen money. The process was thorough and transparent, with constant updates on their progress. I felt supported and informed throughout the entire journey, and within a matter of weeks, I received the incredible news that my lost funds had been successfully recovered.The sense of relief and gratitude I felt when the money was returned was indescribable. Digital Hack Recovery had turned what seemed like an impossible situation into a success story. For anyone who has fallen victim to online scams or fraudulent schemes, I can confidently recommend Digital Hack Recovery. Their expertise, and commitment to helping clients recover their funds were nothing short of exceptional, and they restored not just my finances, but also my confidence in the possibility of recovery. Contact them via⁚ Website⁚ https://digitalhackrecovery.com WhatsApp⁚ +19152151930 Email⁚ digitalhackrecovery@techie.com

Synopsis:* Twenty-two-year-old Ophelia struggles to make ends meet, beset by personal crises. Her mother lies hospitalized, accumulating unpaid bills, while her older brother's alcoholism drains their finances. Desperate for a solution, Ophelia seeks employment as a housekeeper. After a string of rejections, she's unexpectedly hired by the enigmatic Brooks family. As she begins her new role, Ophelia meets Nathanael, the family's handsome and mysterious son. Torn between her loyalty to her family and her growing attraction to Nathanael, Ophelia navigates the complexities of her new position amidst the Brooks' dark secrets and hidden agendas. Will Ophelia find solace and financial stability with the Brooks family, or will their mysteries threaten to consume her already fragile world?