Showing results for "Twelve" in Business & Careers
-
-
The 12 Week Year
- Get More Done in 12 Weeks than Others Do in 12 Months
- By: Brian P. Moran, Michael Lennington
- Narrated by: Tom Pile
- Length: 5 hrs and 17 mins
- Unabridged
-
Overall
-
Performance
-
Story
Most organizations and individuals work in the context of annual goals and plans; a 12-month execution cycle. Instead, The 12 Week Year avoids the pitfalls and low productivity of annualized thinking. This book redefines your "year" to be 12 weeks long. In 12 weeks, there just isn't enough time to get complacent, and urgency increases and intensifies. The 12 Week Year creates focus and clarity on what matters most and a sense of urgency to do it now. In the end more of the important stuff gets done and the impact on results is profound.
-
-
outstanding
- By Anonymous User on 23-04-21
-
The 12 Week Year
- Get More Done in 12 Weeks than Others Do in 12 Months
- Narrated by: Tom Pile
- Length: 5 hrs and 17 mins
- Release date: 27-07-20
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £14.99 or 1 Credit
Sale price: £14.99 or 1 Credit
-
-
-
Change Your Mind and Your Life Will Follow
- 12 Simple Principles
- By: Karen Casey
- Narrated by: Devon Sorvari
- Length: 4 hrs
- Unabridged
-
Overall
-
Performance
-
Story
Response vs. reaction. To be frank, mindset is everything. We cannot change a person. We often cannot change a situation. We can change how we respond. We can learn to use positive words and act out of our hearts rather than react with hurt or anger. When we stop focusing on problems solutions tend to appear. Happy mind, happy life. If we change how we respond to external stimuli, our mindset follows. Organized around 12 very simple steps, this book gives listeners the tools to find a positive, peaceful response to every curveball life throws at us.
-
Change Your Mind and Your Life Will Follow
- 12 Simple Principles
- Narrated by: Devon Sorvari
- Length: 4 hrs
- Release date: 27-07-21
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £10.99 or 1 Credit
Sale price: £10.99 or 1 Credit
-
-
-
Your 12 Powers
- Dr. Joseph Murphy LIVE!
- By: Dr. Joseph Murphy
- Narrated by: Dr. Joseph Murphy
- Length: 59 mins
- Original Recording
-
Overall
-
Performance
-
Story
Your 12 Powers is Dr. Murphy's live lecture on this subject. Never say, "I can't." Overcome that fear by substituting the following: "I can do all things through the power of my own subconscious mind." You can make Dr. Joseph Murphy part of your life with Murphy Live, listened to at your pace and enjoyment.
-
-
useful to remind yourself of your existence
- By Dmitrii Ojog on 07-09-23
-
Your 12 Powers
- Dr. Joseph Murphy LIVE!
- Narrated by: Dr. Joseph Murphy
- Length: 59 mins
- Release date: 20-06-16
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £3.99 or 1 Credit
Sale price: £3.99 or 1 Credit
-
-
-
Twelve and a Half
- Leveraging the Emotional Ingredients Necessary for Business Success
- By: Gary Vaynerchuk
- Narrated by: Gary Vaynerchuk
- Length: 5 hrs and 7 mins
- Unabridged
-
Overall
-
Performance
-
Story
In his sixth business book, best-selling author, entrepreneur, and investor Gary Vaynerchuk explores the 12 essential emotional skills that are integral to his life - and business - success and provides today’s (and tomorrow’s) leaders with critical tools to acquire and develop these traits.
-
-
Real life
- By Nicholas Tan Tsin Jen on 30-11-21
-
Twelve and a Half
- Leveraging the Emotional Ingredients Necessary for Business Success
- Narrated by: Gary Vaynerchuk
- Length: 5 hrs and 7 mins
- Release date: 30-11-21
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £12.99 or 1 Credit
Sale price: £12.99 or 1 Credit
-
-
-
The Gift
- 12 Lessons to Save Your Life
- By: Edith Eger, Esmé Schwall Weigand - contributor
- Narrated by: Tovah Feldshuh
- Length: 5 hrs and 19 mins
- Unabridged
-
Overall
-
Performance
-
Story
In the end, it's not what happens to us that matters most - it's what we choose to do with it. We all face suffering - sadness, loss, despair, fear, anxiety, failure. But we also have a choice; to give in and give up in the face of trauma or difficulties or to live every moment as a gift. Celebrated therapist and Holocaust survivor Dr Edith Eger provides a hands-on guide that gently encourages us to change the imprisoning thoughts and destructive behaviours that may be holding us back.
-
-
Remarkable
- By Amazon Customer on 12-04-21
-
The Gift
- 12 Lessons to Save Your Life
- Narrated by: Tovah Feldshuh
- Length: 5 hrs and 19 mins
- Release date: 15-09-20
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £12.99 or 1 Credit
Sale price: £12.99 or 1 Credit
-
-
-
The Problem of Twelve
- When a Few Financial Institutions Control Everything
- By: John Coates
- Narrated by: Sean Patrick Hopkins
- Length: 4 hrs and 11 mins
- Unabridged
-
Overall
-
Performance
-
Story
A “problem of twelve” arises when a small number of institutions acquire the means to exert outsized influence over the politics and economy of a nation. The Big Three index funds of Vanguard, State Street, and BlackRock control more than twenty percent of the votes of S&P 500 companies—a concentration of power that’s unprecedented in America.
-
The Problem of Twelve
- When a Few Financial Institutions Control Everything
- Narrated by: Sean Patrick Hopkins
- Length: 4 hrs and 11 mins
- Release date: 15-08-23
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £7.99 or 1 Credit
Sale price: £7.99 or 1 Credit
-
-
-
Future Proofing You
- Twelve Truths for Creating Opportunity, Maximizing Wealth, and Controlling Your Destiny in an Uncertain World
- By: Jay Samit
- Narrated by: Jay Samit
- Length: 9 hrs and 9 mins
- Unabridged
-
Overall
-
Performance
-
Story
In this life-changing book, celebrated author and entrepreneur Jay Samit, who's worked with such visionaries as Bill Gates, Steve Jobs, Reid Hoffman, and hundreds of successful entrepreneurs, shares the key understandings and step-by-step process for becoming rich and never needing another job again. To prove the power of his Twelve Truths, Samit also details the journey of how he mentored a broke millennial with these principles and empowered him to go from being on welfare to becoming a self-made millionaire in one year.
-
-
Jay Samit has been there done it & has all the T's
- By Karl Pearsall on 16-04-21
-
Future Proofing You
- Twelve Truths for Creating Opportunity, Maximizing Wealth, and Controlling Your Destiny in an Uncertain World
- Narrated by: Jay Samit
- Length: 9 hrs and 9 mins
- Release date: 23-03-21
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £12.99 or 1 Credit
Sale price: £12.99 or 1 Credit
-
-
-
12
- The Elements of Great Managing
- By: Rodd Wagner, James K. Harter
- Narrated by: Rodd Wagner
- Length: 4 hrs and 15 mins
- Abridged
-
Overall
-
Performance
-
Story
More than a decade ago, The Gallup Organization combed through its database of more than one million employee and manager interviews to identify the elements most important in sustaining workplace excellence. These elements were revealed in the 1999 best-seller First, Break All the Rules. 12: The Elements of Great Managing is that management classic's long-awaited sequel.
-
-
Good sequel!
- By Gavin on 24-10-09
-
12
- The Elements of Great Managing
- Narrated by: Rodd Wagner
- Length: 4 hrs and 15 mins
- Release date: 22-01-07
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £7.99 or 1 Credit
Sale price: £7.99 or 1 Credit
-
-
-
Relentless: 12 Rounds to Success
- By: Eddie Hearn
- Narrated by: Eddie Hearn
- Length: 5 hrs and 45 mins
- Unabridged
-
Overall
-
Performance
-
Story
What does it take to succeed? What is the mindset required to be the best? How do you stay at the top of your field? How do you come back from failure? Eddie Hearn knows what it takes. In his remarkable career, Hearn has worked alongside some of the biggest names in sports entertainment and has seen first-hand the grit and relentless determination that it takes to succeed. Structured around the key skills that Eddie Hearn values the most, this book looks at his business, life and the drive to succeed.
-
-
Where do I start??
- By gavin on 10-11-20
-
Relentless: 12 Rounds to Success
- Narrated by: Eddie Hearn
- Length: 5 hrs and 45 mins
- Release date: 29-10-20
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £12.99 or 1 Credit
Sale price: £12.99 or 1 Credit
-
-
-
12 Months to $1 Million
- How to Pick a Winning Product, Build a Real Business, and Become a Seven-Figure Entrepreneur
- By: Ryan Daniel Moran
- Narrated by: Ryan Daniel Moran
- Length: 7 hrs and 38 mins
- Unabridged
-
Overall
-
Performance
-
Story
By cutting out the noise and providing a clear and proven plan, this road map helps even brand-new entrepreneurs make decisions quickly, get their product up for sale, and launch it to a crowd that is ready and waiting to buy. This one-year plan will guide you through the three stages to your first $1 million: the Grind (months 0-4), the Growth (months 5-8), and the Gold (months 9-12). If your goal is to be a full-time entrepreneur, get ready for one chaotic, stressful, and rewarding year. If you have the guts to complete it, you will be the proud owner of a million-dollar business.
-
-
anecdotal
- By AJ R. on 01-12-20
-
12 Months to $1 Million
- How to Pick a Winning Product, Build a Real Business, and Become a Seven-Figure Entrepreneur
- Narrated by: Ryan Daniel Moran
- Length: 7 hrs and 38 mins
- Release date: 11-08-20
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £14.99 or 1 Credit
Sale price: £14.99 or 1 Credit
-
-
-
Buy Low Rent High
- How Anyone Can Be Financially Free in the Next 12 Months by Investing in Property
- By: Samuel Leeds
- Narrated by: Samuel Leeds
- Length: 2 hrs and 2 mins
- Unabridged
-
Overall
-
Performance
-
Story
Samuel Leeds has helped thousands of investors towards achieving their goal of financial freedom. Being able to make complicated strategies become simple philosophies, Samuel has earned a reputation for being one of the most inspiring investors in the U.K.
-
-
Not good
- By John Foster on 14-03-18
-
Buy Low Rent High
- How Anyone Can Be Financially Free in the Next 12 Months by Investing in Property
- Narrated by: Samuel Leeds
- Length: 2 hrs and 2 mins
- Release date: 28-03-17
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £6.99 or 1 Credit
Sale price: £6.99 or 1 Credit
-
-
-
Selling in Manufacturing and Logistics
- The Twelve Key Strategies for Managers and Salespeople
- By: Mike Jones, Ken Guest
- Narrated by: Sean Pratt
- Length: 4 hrs and 49 mins
- Unabridged
-
Overall
-
Performance
-
Story
Everyone is selling, all the time - but not everyone sells well, and not everyone realizes that selling is what's happening. There are so many different departments that must come together in collaboration to ensure the successful delivery of a product - and consequently a satisfied customer - that everyone along the chain should, ideally, be selling all the time, to everyone, in every department. This book tells managers and salespeople what works when it comes to connecting all the dots and, just as important, what doesn't work.
-
-
great, informative book!
- By Anonymous User on 10-06-23
-
Selling in Manufacturing and Logistics
- The Twelve Key Strategies for Managers and Salespeople
- Narrated by: Sean Pratt
- Length: 4 hrs and 49 mins
- Release date: 01-11-18
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £12.99 or 1 Credit
Sale price: £12.99 or 1 Credit
-
-
-
12 Step Spirituality: Every Person’s Guide to Taking the Twelve Steps
- By: Anthony J. Ciorra
- Narrated by: Anthony J. Ciorra
- Length: 5 hrs and 17 mins
- Original Recording
-
Overall
-
Performance
-
Story
You are invited on the most powerful journey that you can take in your life: the journey from your head to your heart. On August 11, 1938, Bill Wilson created the first 12-step fellowship. Since then, countless men and women have participated in this powerful program. The spirituality of the 12 steps transcends multiple religious and secular traditions. This is truly a spiritual approach for everyone. Now, renowned spiritual expert Fr. Anthony Ciorra, PhD, will guide you through the deep spirituality behind the 12 steps.
-
-
Listen and be encouraged
- By Markus Lindstedt on 20-09-22
-
12 Step Spirituality: Every Person’s Guide to Taking the Twelve Steps
- Narrated by: Anthony J. Ciorra
- Length: 5 hrs and 17 mins
- Release date: 21-07-17
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £9.99 or 1 Credit
Sale price: £9.99 or 1 Credit
-
-
-
Open with a Close
- The Twelve Point Guide to Closing More Sales
- By: Matthew Elwell
- Narrated by: Matthew Elwell
- Length: 2 hrs and 48 mins
- Unabridged
-
Overall
-
Performance
-
Story
This audiobook is for anyone who has to sell as part of their life or business. If you want a dramatic increase in your sales conversions - without being pushy, manipulative or 'hard sell' - this audiobook is for you. But be warned, what you are about to learn is likely to challenge everything you thought you knew about selling. You may find that some of what you read in these pages directly contradicts what you've been taught, and that's why this philosophy works! It's completely different to the conventional wisdom around sales.
-
-
Short and to the point
- By Vlad on 06-02-24
-
Open with a Close
- The Twelve Point Guide to Closing More Sales
- Narrated by: Matthew Elwell
- Length: 2 hrs and 48 mins
- Release date: 17-02-22
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £9.99 or 1 Credit
Sale price: £9.99 or 1 Credit
-
-
-
The 12 Week MBA
- Learn The Skills You Need to Lead in Business Today
- By: Bjorn Billhardt, Nathan Kracklauer
- Narrated by: Michael Butler Murray
- Length: 8 hrs and 31 mins
- Unabridged
-
Overall
-
Performance
-
Story
Based on an award-winning global leadership development program, The 12-Week MBA offers a practical Mini MBA curriculum that gives all business leaders, regardless of their industry, function, or level, the core knowledge, skills and attitudes to effectively manage and lead. By uniquely focusing the two critical areas of leadership - managing numbers and leading people - this practical and engaging guide will inspire you to apply critical business thinking and a dynamic approach to value creation, people skills and decision making.
-
The 12 Week MBA
- Learn The Skills You Need to Lead in Business Today
- Narrated by: Michael Butler Murray
- Length: 8 hrs and 31 mins
- Release date: 15-02-24
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £12.99 or 1 Credit
Sale price: £12.99 or 1 Credit
-
-
-
12 Steps to Power Presence
- How to Exert Your Authority to Lead
- By: John Baldoni
- Narrated by: Erik Synnestvedt
- Length: 1 hr and 2 mins
- Unabridged
-
Overall
-
Performance
-
Story
Are leaders born, or made? And what's the single most important quality a real leader should possess? Philosophers and management theorists have endlessly debated-and just as endlessly written about-these subjects for centuries. Finally, here's a book that cuts to the chase. In 68 of the most succinct, no-punches-pulled pages you'll ever read, acclaimed author-speaker-coach John Baldoni maintains that "leadership presence" is a form of communication that can be learned, and then provides the hows and the whys of learning it.
-
12 Steps to Power Presence
- How to Exert Your Authority to Lead
- Narrated by: Erik Synnestvedt
- Length: 1 hr and 2 mins
- Release date: 22-07-11
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £7.99 or 1 Credit
Sale price: £7.99 or 1 Credit
-
-
-
12 Easy Steps to Change Your Life
- Stop Waiting for that "Big Thing!"
- By: Brian Proctor
- Narrated by: Brian Proctor
- Length: 4 hrs and 43 mins
- Unabridged
-
Overall
-
Performance
-
Story
Brian Proctor, best-selling author and coach, will help you step out of your comfort zone and embrace the life you’ve always dreamed of by providing easy-to-understand concepts that you can use right now to make your life better, richer, and more joyful.
-
12 Easy Steps to Change Your Life
- Stop Waiting for that "Big Thing!"
- Narrated by: Brian Proctor
- Length: 4 hrs and 43 mins
- Release date: 30-10-24
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £15.99 or 1 Credit
Sale price: £15.99 or 1 Credit
-
-
-
Get Better at Anything
- 12 Maxims for Mastery
- By: Scott H. Young
- Narrated by: Scott H. Young
- Length: 7 hrs and 42 mins
- Unabridged
-
Overall
-
Performance
-
Story
In Get Better At Anything, Scott Young argues that there are three key factors in helping us learn: learning from others, practice, and feedback. Using research and real-life examples, Young breaks down these elements into twelve simple maxims of learning. Whether you’re studying for an exam, learning a new skill at work, or just want to get better at something you’re interested in, these maxims will help you do it better.
-
-
The best book I've listened to or read this year
- By Vernon on 01-07-24
-
Get Better at Anything
- 12 Maxims for Mastery
- Narrated by: Scott H. Young
- Length: 7 hrs and 42 mins
- Release date: 09-05-24
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £12.99 or 1 Credit
Sale price: £12.99 or 1 Credit
-
-
-
Business Adventures
- Twelve Classic Tales from the World of Wall Street
- By: John Brooks
- Narrated by: Johnny Heller
- Length: 16 hrs and 53 mins
- Unabridged
-
Overall
-
Performance
-
Story
What do the $350 million Ford Motor Company disaster known as the Edsel, the fast and incredible rise of Xerox, and the unbelievable scandals at General Electric and Texas Gulf Sulphur have in common? Each is an example of how an iconic company was defined by a particular moment of fame or notoriety; these notable and fascinating accounts are as relevant today to understanding the intricacies of corporate life as they were when the events happened.
-
-
Monotonous lists of numbers
- By Amazon Customer on 27-06-20
-
Business Adventures
- Twelve Classic Tales from the World of Wall Street
- Narrated by: Johnny Heller
- Length: 16 hrs and 53 mins
- Release date: 19-08-14
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £16.99 or 1 Credit
Sale price: £16.99 or 1 Credit
-
-
-
Centennials
- The 12 Habits of Great, Enduring Organisations
- By: Professor Alex Hill
- Narrated by: Theo Solomon
- Length: 8 hrs and 21 mins
- Unabridged
-
Overall
-
Performance
-
Story
Professor Alex Hill has conducted seven years of groundbreaking research into a clutch of organisations that have outperformed their peers for over 100 years - from NASA to the New Zealand All Blacks, from Eton College and the Royal College of Arts to the Royal Marines and the Royal Shakespeare Company. And what he has found is that these very different organisations all share remarkably similar strategies when it comes to building and maintaining excellence and success - strategies that frequently fly in the face of conventional business wisdom.
-
-
Actionable insights from some of the best in the world
- By Amazon Customer on 19-03-24
-
Centennials
- The 12 Habits of Great, Enduring Organisations
- Narrated by: Theo Solomon
- Length: 8 hrs and 21 mins
- Release date: 15-06-23
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £12.99 or 1 Credit
Sale price: £12.99 or 1 Credit
-