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Trust. Respect. Results (847) 749-2295 / tstearns@tjstearns.com
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Joshua J Sheats, MSFS, CFP, CLU, ChFC, CASL, CAP, RHU, REBC is a financial planner who teaches people how to live a rich life now while building a plan for financial freedom in 10 years or less. He mixes creative approaches to lifestyle design, deep-dive financial planning techniques, and hard-core business strategy to equip you with the knowledge and inspiration you need to build financial independence.
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A delicious mix of Insurance and TV
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Policybazaar UAE invites you to be part of ‘The Policy Project’, a captivating podcast series that explores the influence of finance and insurance on our day-to-day lives. Our mission is to provide our listeners with the information they need to make educated decisions and remain abreast of the ever-evolving banking and insurance market. Whether you’re a student, a working professional, or someone who’s simply intrigued by the industry, there’s something here for everyone. Tune in to join ou ...
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Join Ryan Whybrow, an experienced insurance broker at Konsileo, as he chats with industry experts and local business owners in East Anglia. Each episode dives into the world of general insurance, offering insights, advice, and real-world experiences to help you protect your business. Discover how to safeguard your assets, navigate insurance complexities, and ensure peace of mind for your enterprise. Tune in to stay informed, stay secure, and learn from the best in East Anglia! 📧 For more inf ...
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We talk about saving money on auto insurance, homeowners insurance, and - yes - we talk about life insurance!
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The Placing You First Podcast spans a diverse spectrum of insurance industry issues to keep you and your clients informed.
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A mini podcast series for agents on-the-go! Tune into UNL’s Podchat for 5-15 minutes episodes of product information, accelerated agent trainings, interviews, sales tips and much more! FOR AGENT USE ONLY - Cannot be distributed to the public or used in any consumer solicitation.
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Capstone Planning helps individuals create retirement strategies to help you live well in retirement. using a variety of investment and insurance products to custom suit their needs and objectives. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Any comments regarding safety and guaranteed income streams refer only to fixed insurance products. They do not refer, in any wa ...
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Welcome to New York's Asset Protection Roundtable with Ted Alatsas of Alatsas Law Firm in Brooklyn, New York. Alatsas Law provides one-on-one guidance when you're struggling to resolve family, elder law, asset protection, or bankruptcy concerns. On this show, Ted will explain complex legal concepts in easy-to-understand terms and encourage you to fully participate in the decision-making process so you can face you future with confidence. Join us each episode as we creatively address many iss ...
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Have you ever wished for guidance in effectively growing your business and managing your finances? "Women of Wealth," hosted by Allie Ramo and Hawley Woods serves as your roadmap to success in the world of finance for female entrepreneurs. This podcast will take you on an empowering journey, revealing the keys to seize control of your financial destiny. Allie's journey, from Hawley's assistant to a thriving health coaching entrepreneur, symbolizes the mission: inspiring young women to invest ...
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Money: you make it, you want more of it, and you want to protect it. We are The Real Money Pros, a show hosted collaboratively by experts who specialize in investing, financial and estate planning, taxes, insurance, and any other way to grow wealth. Plus, we make it fun! We help you know good advice from bad – especially when everyone seems to want a piece of your money.
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Gain practical insights for safeguarding your restaurant's financial health and profitability on the Self Insurance Podcast. Hosted by Kaya Stanley, seasoned attorney and CEO of CRMBC, this series features insightful discussions with industry leaders and experienced operators. Learn how to navigate work comp challenges, optimize insurance strategies, and implement best practices from top performers and advisors in the restaurant industry. Success leaves clues, and this podcast is designed to ...
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We delve into the journeys of leaders guiding businesses through the digital frontier.
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When you set out to get things like life insurance, critical illness cover or income protection, many people do not think that they are going to hit any snags along the way. But! Insurance is a world of risk and there are times that a persons circumstances will make insurers sit back and have an extra think about offering the insurance. Why?! This podcast is designed to answer that why. Kathryn Knowles is joined by guests to bring a clear and open chat about how insurance works. Kathryn brin ...
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Technology tips and insights to help protect your business! We offer weekly interviews with industry experts and leaders from companies like Coca-Cola, Verizon and AT&T to share their insights on cybersecurity and other technology topics. Join your host, Shaun St.Hill, the CEO of Tech and Main!
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93% of organizations experienced an identity-related breach within the last year. What were they missing? How could they have avoided it? Welcome to "Smells Like Identity Hygiene," the podcast for IT professionals, cybersecurity enthusiasts and anyone looking for a better way to protect their organization's most critical assets from risk. - Stay up-to-date with cybersecurity trends, news and industry best practices - Reduce cyber insurance costs, maintain compliance and prevent revenue loss ...
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Your wealth plan shouldn’t sit still. Neither do we. That’s why our advisors have access to an in-house team for all things wealth management. Because when advisors have access to a more collaborative approach, you get access to more sophisticated solutions.
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Challenging Conventional Wall Street wisdom about retirement planning and exposing bad advice from Financial Entertainers. Maximizing Retirement income and protecting assets from creditors, predators, lawsuits and judgments does not happen with a product or discount offer online. You must have an integrated approach. As a Paralegal and a Certified Financial Planner®, Kraig is uniquely able to assist clients with the careful preparation of retirement income, asset protection and estate plans. ...
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Join Attorney Brian Mittman, a seasoned expert in workers’ compensation and Social Security Disability Insurance (SSDI), as he dives into essential legal insights for New Yorkers. In each episode, Brian breaks down complex legal topics, from navigating workers’ compensation claims to understanding the SSDI process. With over two decades of experience, Brian shares practical advice, real-world examples, and case studies to help you understand your rights and the steps you can take to protect ...
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The Building PA Podcast serves the construction industry throughout the Commonwealth of Pennsylvania in brief, downloadable segments. Hosted by Chris Martin, President of Atlas Marketing, and Jon O’Brien, Executive Director for the Keystone Contractors Association, the Building PA Podcast covers topics such as safety, workforce development, insurance, legal, legislation, business development and much more.
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From main street to your street, the HR{preneur} podcast by ADP is centered around helping small businesses like yours gain the knowledge you seek — from HR, payroll and hiring, to time, taxes, benefits and insurance. We’ll bring the experts to you, answer your questions and help you think beyond today — so you can discover more success tomorrow.
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Trucking safety, defense, litigation, and insurance. Protect your trucking company
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ABC News Daily is the podcast that helps you understand the issues affecting your world. Every episode, host Samantha Hawley walks through one story with the help of an ABC colleague or expert in under 15 minutes. When you want coverage you can trust, listen to ABC News Daily. Key topics of recent episodes include Elon Musk, X, Twitter, Telegram, Israel, Gaza, Benjamin Netanyahu, Palestinians, gambling policy, advertisements, Labor, airlines, aviation, Donald Trump, Kamala Harris, US politic ...
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Podcast series discussing various aspects of managing your finances. Including debt management, loans, saving, investments, insurance, pre and post retirement planning, business and family protection, and other related matters.
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Welcome to Catholic Money Talk where we talk about all things money and finance. Many times we look at financial decisions and money matters in a vacuum. But here we try to look at these same items through a Catholic lens. If God made us to know him, love him, and serve him in this life so that we can be happy forever with him in the next, we need to determine how we can know, love, and serve him with our finances. We tackle topics like debt, home buying and other large purchases, insurance, ...
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If you are a leader in the transportation industry, you are faced daily with issues like nuclear verdicts, medical financing, distracted driving, and working with digital colleagues. In this podcast the experts from Protective Insurance give you all the information they have learned as a steadfast member of the transportation community for almost 100 years. The Protective team of thought leaders and industry experts share their experience to protect people and support safer roads.
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Financial and retirement planning guidance from Kansas City‘s Scott Dougan of Elevated Retirement Group. Scott Dougan founded Elevated Retirement Group in 2003 in order to fill a niche he felt was not being addressed properly in the retirement planning environment – helping retirees and pre-retirees in the Kansas City metro area find answers to issues that may affect the quality of life during their retirement. Scott is a Registered Financial Consultant (RFC) and holds a Series 65 Investment ...
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This is a podcast with N.C. Insurance Commissioner Mike Causey designed to inform consumers about how to protect what they value -- their family, home, property and health. It also highlights the services provided by the N.C. Department of Insurance and Office of State Fire Marshal, which sits under the NCDOI.
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A weekly podcast providing pet owners with free safety tips and training resources to protect their pets.If you would like a free quote on pet insurance please visit www.IMCpetinsurance.com
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Candid Conversations with Ryan Cravitz is a show specifically about retirement planning for people over 50. If you're wanting to invest better, maximize your income, reduce taxes, and learn how to successfully retire then this is the perfect show for you. Ryan has operated an independent financial planning firm since 2011 and is in his second decade of helping people grow and protect their wealth. Join him each episode for conversations about income, retirement, insurance, 401(k)s, IRAs, inv ...
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As a doctor, you spent decades in school to get to where you are. Unfortunately, during all those years in medical school and residency, you probably didn't receive a financial education. But, not to worry. That’s where I come in. Think of this podcast as your financial residency without the long hours and sleepless nights! I will guide you through a financial education resulting in money confidence and clarity in this critical aspect of your life. You’ll understand how you make money, how y ...
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Looking to be a better leader? Or maybe even thinking about starting your own business? Searching for Elephants is the place for you. Covering a multitude of subjects with tonnes of great leaders!
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Formerly known as "Restore it All," The Backup Wrap-up podcast turns unappreciated backup admins into cyber recovery heroes. After a brief analysis of backup-related news, each episode dives deep into one topic that you can use to better protect your organization from data loss, be it from accidents, disasters, or ransomware. The Backup Wrap-up is hosted by W. Curtis Preston (Mr. Backup) and his co-host Prasanna Malaiyandi. Curtis' passion for backups began over 30 years ago when his employe ...
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Join host Rick Kooyman of Trade Secrets Inspections and stay in the know. In each episode, Rick shares cutting edge insight on the best ways to protect you most valuable asset... your home.
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The Insured Podcast, the show where we discuss everything related to insurance. From life and health insurance to auto and homeowner’s insurance, we cover it all. Join us as we explore the insurance industry, including policy coverage, claims processing, risk management, and emerging trends. Our expert guests will provide insights into the latest developments and customer expectations. So, join us as we navigate the world of insurance together and uncover everything you need to know to prote ...
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Everything we do, we believe that everyday we can be healthy in our relationships, our food choices and our life. We believe health should be easy and our lives balanced and our businesses successful. We believe that life is worth living and enjoyable everyday. Health Insurance for Solopreneurs and Small Business Owners who want the best for themselves and their families.
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Cyber Insurance Leaders is a bi-weekly podcast dedicated to helping Cyber Security and Insurance professionals hear about the latest developments, best practices and thought leadership from leaders in the market. If you’re looking to hear and learn from cyber insurance and security experts, this show is for you. Each episode features an interview with an executive or thought leader, discussing topics like: the cyber insurance industry as a whole, international growth, cyber claims, and more.
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Future Focused: Sophisticated Estate Planning
Wiggin and Dana LLP's Erin Nicholls and Michael Clear
Welcome to Future Focused: Sophisticated Estate Planning with Wiggin and Dana LLP, the show where you can learn high-level estate planning techniques in a manner that is accessible and understandable. This is the show where CPA’s, Insurance Professionals, Investment Bankers, Trust Companies, CFP’s, and more can firm up on their understanding of estate planning strategies so that they can better guide their clients to make wise decisions with their legacy. Future Focused is hosted by Erin Nic ...
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I help busy self-employed professionals and business owners who don’t have time to think about anything beyond growing their business. Through estate planning tools and strategies, I help them grow retained earnings tax-free, pass more wealth to the next generation, and protect their biggest asset – themselves, the key person of the business.
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Powered by Total Landlord Insurance - Join property industry specialist HFIS for a regular podcast series with practical tips for landlords and letting agents on how to better manage the renting process. HFIS have over 25 years’ experience and are behind some of the private rented sector’s most well-known brands including the tenancy deposit protection scheme mydeposits, the Property Redress Scheme and Client Money Protect.
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Learn the strategies and techniques used by the ultra-wealthy to maximize their wealth. In this podcast, Dave Alison and the team at Alison Wealth will discuss relevant topics to help you build, grow, and protect your wealth. About The Host: Dave Alison, CFP®, EA, BPC is a nationally recognized advisor with a passion to make clients’ financial lives easier through integrated holistic wealth management. His professional capabilities to engineer advanced financial, tax, investment, insurance a ...
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🎙️ Get ready for Pathways with Amber Stitt, your go-to podcast for financial insights and motivation to take action today! 💪💰 Are you feeling overwhelmed when it comes to planning for your financial future? Don't worry, you're not alone. Many individuals and small businesses struggle with creating a solid game plan to protect themselves and their loved ones. That's where we come in. Join me as we dive into our core framework, "Pathways to Peak Performance," where we'll tackle each of the 5 s ...
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Welcome to Wisdom & Wealth™ with Donna Kendrick and Jim Gehan. On each show, they'll aim to take the intimidation out of financial planning, so your family can handle any transition that comes its way. From investing to retirement, each episode will cover all angles of financial planning. If you have a 401(k), IRA or other investments and want to know how you can protect your hard-earned assets and live a life of financial success, then this is the show for you. If your financial life feels ...
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Bima Leap Insurance Broker is fully committed to provide you with first in class general insurance solutions that are fully compliant with IRDAI guidelines. We aim to protect all of our customers with their insurance needs. All insurance products provide customers with state-of-the art solutions, and come with the in-house support of a dedicated & professional team and insurers who are there for you ALWAYS.
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Welcome to People in Insurance: Changing the Conversation Join us as we delve into the dynamic intersection of diversity, culture, and technological innovations within the insurance industry. Listen in as Host, Sarah Myerscough, Chief Ideas Officer at Macaii, sits down to talk with trailblazers, thought leaders, and innovators who are reshaping the very fabric of insurance. Here, we bring you stories that not only redefine the narrative but also offer a fresh perspective on the evolving land ...
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Being Well Informed discusses trending topics such as police reform, book banning intensified, the Emmett Till Alert App, new and upcoming authors, the Anne Arundel County NAACP Greenbook, judicial reform, long term care insurance, cryptocurrency scams, Maryland Lynching Memorial Project, Education in a Pandemic, and much more. The program, hosted by Claudia Barber, is designed to educate the audience on these trending topics.
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It is often said that the best way to protect your family's future is by securing it today. But how do you choose the right term insurance plan that truly fits your needs? In this episode of The Policy Project, we dive deep into the world of term insurance and explore how it provides a robust financial safety net for your loved ones. Featuring Jose…
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Many communities and buildings experience damage regularly. Unfortunately, one cannot predict the timing of natural disasters, fires, biological outbreaks, mechanical system failures, broken pipes, or compromised roofing systems. These situations can humble even the most seasoned professionals. The underlying message for all of these scenarios is t…
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In this episode of the Self-Insurance Podcast, brought to you by CRMBC, we delve into the intricacies of workers' compensation audits and reserves with Pilar Mitchell, Senior Partner at Michael Sullivan & Associates. Pilar shares her extensive experience in workers' compensation law, explaining the different types of audits conducted by the DWC and…
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Are you and your spouse on the same page when it comes to what retirement is going to look like? If not, it’s time to talk. In this show, we'll explore why it’s so important for couples to have detailed conversations about their finances and retirement futures. Scott shares insights on how to navigate disagreements, the common issues couples face, …
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In this discussion, Jon from Contract Diagnostics addresses common questions about student loan reimbursement in physician contracts and the implications of not having student loans. Learn how to navigate reimbursement structures, negotiate incentives if you're not receiving loan help, and understand the intricacies of MGMA data for salary negotiat…
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Keith Wiltfong of Capstone Planning discusses the importance of a 360 retirement plan that covers all aspects of a person's financial life. He emphasizes the need for comprehensive financial planning that includes taxes, investments, insurance, and estate planning. Wilkwong also highlights the significance of risk management and diversification in …
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Charlie interviews one of our newer agents, Steve Neece, and his perspective on selling UNL's Short-Term Home Health Care Shield Product! If you have any questions or need assistance, please contact our Sales Support team by calling or texting (833)-735-5865 or by emailing agentsupport@unlinsurance.com.…
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Got questions about maximizing your retirement income, saving for retirement, life insurance, or estate planning? Send me an email to kraig@kraigstrom.com. I am always willing to see if i can Help!Por Kraig Strom
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On this episode of The Insuring Cyber Podcast, take a look back at an interview with Gordon Wintrob, co-founder and chief technology officer at Newfront Insurance Brokerage. A portion of this interview previously ran on Carrier Management’s Between the Lines video series for an episode titled, “Robots vs. Humans: How Will AI in HR Impact Carriers’ …
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A Physician’s Guide to Wealth - Financial Wellness 101: How to Take Immediate Action on Your Big 3
18:21
In this enriching episode of A Life Well Lived: A Physician's Guide to Wealth, James Nutter navigates through actionable strategies for maintaining financial wellness and consistency. The episode kicks off with a timely reminder about the upcoming Public Service Loan Forgiveness webinar scheduled for September 26, 2024, offering a valuable resource…
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With less than two months until election day, US presidential candidates Kamala Harris and Donald Trump have come face to face in a wild, personal and fiery televised debate. From claims of migrants eating pet dogs to fear raising about Democrats wanting to ‘execute’ babies, Donald Trump was repeatedly corrected by the moderators. Kamala Harris spo…
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EP. 07: Star Wars, Insurance & AI Takeover: Golfertainment George & The Florida Insurance Men
43:19
In this episode, Golfertainment George and the Florida Insurance Men explore topics ranging from tributes to James Earl Jones, insurance in the Star Wars universe, and the rise of robo-taxis, while touching on the looming AI influence on politics. James Earl Jones Tribute: The hosts fondly recall the legendary actor’s versatile roles, emphasizing h…
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In this episode of the Building PA Podcast, co-hosts Jon O'Brien and Chris Martin tackle a critical and often overlooked issue in the construction industry: suicide prevention. They are joined by Sonya Bohmann, the Executive Director of the Construction Industry Alliance for Suicide Prevention (CIASP), who brings her expertise and personal experien…
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For a long time, Australia’s taxation system has been set up to benefit property investors and landlords and any attempts to change that have been shouted down. But with the generational divide in home ownership becoming more pronounced, voters are shifting their views. Today, host of Q+A and The Party Room podcast Patricia Karvelas on whether gove…
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Welcome back to the podcast! I'm Kraig Strom, also known as the Income Engineer. I am a certified financial planner and a paralegal at an amazing law firm. Many of you have reached out to me, wondering where I've been. Well, I've been fortunate to be busy but also a bit burned out on procrastination when it comes to essential matters like estate pl…
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In this episode of The Mortgage Minute, host Doug Crouse from BMO Bank discusses a unique mortgage option for physicians looking to buy a home for their parents. He explains how using a Fannie Mae loan can offer owner-occupied rates and lower down payments compared to traditional investment property loans. Plus, don’t forget to reach out for a free…
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Navigating estate planning amidst divorce can be complex. On the third episode of our speaker series, Partner Matt Smith emphasizes the need for adaptable and forward-thinking strategies to protect assets across varying state laws. Highlighting cases where outdated estate plans clash with the modern realities of marriage, divorce, and inheritance, …
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Previous Episode 111: Buying A House Debt-Free...In Your 20s! - Interview with Steve Maxwell RPF0111
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Imagine the financial and logistical nightmare of discovering that a single contaminated ingredient has infiltrated multiple food products across your supply chain. That's exactly what we're examining with John O'Malley and Chris Martin from CRC Group's Minneapolis office. This episode unravels the complex web of costs and liabilities that ensue fr…
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David Finney was a sailor in the Australian Navy who served for two decades and at the height of his career even received a bravery commendation. But in 2019 he took his own life. He’d been medically discharged from the ADF before his death. Ever since, his mother, Julie-Ann has been fighting to hold to account a defence force she says could and sh…
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With the rising cost of living, can young adults cover essentials like rent, food, and bills without relying on parental support? In this episode, we dive into the financial independence of young adults in today's challenging economic climate and compare it to previous generations. The conversation also sheds light on the reality of low starting wa…
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Would you file a lawsuit against Simon Cowel if he smashed into your mom on his e-bike and broke her hip? In this latest video, Kraig Strom sheds light on the often-overlooked aspect of asset protection. Did you know standard home and auto insurance might not cover liabilities if you're involved in an accident while riding your e-bike? E-Bikes are …
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In this eye-opening episode of The Backup Wrap-up, we delve into the world of tabletop exercises and their crucial role in cybersecurity preparedness. Our guest expert, Mike Saylor from Black Swan Security, guides us through the ins and outs of planning and executing effective tabletop exercises. We explore why these simulations are essential for o…
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Companies must carefully navigate existing securities and disclosure laws when representing AI capabilities to avoid legal and infrastructural risks. Watch this short clip from the latest episode of the Insuring Cyber Podcast with host Elizabeth Blosfield and Peter Halprin of Haynes and Boone, LLP. Click here to watch the full episode! Universal Le…
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Grand Rounds - Reboot episode with Dr. James Young on the emotional trauma and recovery from burnout
34:08
This is one of my favorite episodes. Dr. James Young and I talked talked about what it felt like to experience burnout and how he was able to battle his way back to find the love of medicine. It involves self-discovery, acceptance, pivoting and standing up for yourself. I hope you enjoy the episode as much as I did!…
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Wether we are driving down the road, figuring out a financial situation, or dealing with anything else in life, how do we know when we need to turn around and change course? Let's talk about it. Support the show Get in touch with Paul Monthly Subscription to Catholic Money TalkPor Paul Scarfone
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Millions of Australians live in apartments and the number is set to grow as housing density increases in our biggest cities. Being part of a strata scheme is part and parcel of owning an apartment, but many owners are not taking an active interest in how the blocks are being managed. A Four Corners investigation has revealed a rot at the heart of t…
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Securing Your Future: A Comprehensive Conversation on Life Insurance Benefits, Coverage Options, and Policy Management
28:50
Donald Marquez, a licensed insurance broker, discusses the importance of life insurance, offering a whole life insurance policy up to $35,000 without a health exam. He addresses common concerns, such as qualifying with health issues and the process of increasing coverage. Marquez explains the inclusion of accidental death benefits and the addition …
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Thanks to the death of private pensions, the devaluation of Social Security benefits and other undeniable retirement factors such as inflation and increased taxes, America is now in a retirement income crisis. Personal Pension Radio show is focused on helping you pack your bags for both halves of the retirement journey. Kraig's mission is help you …
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The World of Health Insurance Hello and Welcome to Health Solutions Today where everyday is a healthy day. This is the short form podcast that helps you navigate the world of health insurance in just 10 minutes per episode. I am your health bestie, Barbara, co founder of Health Solutions Today an online business I created after I began to sell heal…
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Thanks to the death of private pensions, the devaluation of Social Security benefits and other undeniable retirement factors such as inflation and increased taxes, America is now in a retirement income crisis. Personal Pension Radio show is focused on helping you pack your bags for both halves of the retirement journey. Kraig's mission is help you …
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Explore key investment strategies inspired by Tony Robbins' book in this webinar. We discuss concepts that could reshape your approach to investing, offering insights for both beginners and seasoned investors. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.…
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1
A Physician’s Guide to Wealth - Financial Wellness 101: Four Steps to Successful Family Financial Board Meetings Unveiled!
40:29
In this compelling episode of the "Life Well Lived, A Physician's Guide to Wealth" podcast, host James Nutter delves into the intricacies of managing family finances with his comprehensive guide on how to run successful family board meetings. Reflecting on personal experiences and professional insights, James shares valuable strategies to enhance f…
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Thanks to the death of private pensions, the devaluation of Social Security benefits and other undeniable retirement factors such as inflation and increased taxes, America is now in a retirement income crisis. Personal Pension Radio show is focused on helping you pack your bags for both halves of the retirement journey. Kraig's mission is help you …
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In this session, Jon from Contract Diagnostics discusses the nuances of supervising nurse practitioners (NPs) and physician assistants (PAs). He covers essential aspects such as the impact on your role, the need for clear supervision agreements, compensation considerations, and the importance of understanding contract terms related to staff supervi…
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A random, retired YouTuber did a simple video exploring the top 5 regrets from other retirees he interviewed (all in their 70s). It blew up to almost half a million views (and counting). That clearly struck a chord with people that wanted to learn more about regrets in the retirement landscape. Here’s what we cover in this episod…
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On this episode of Work Interrupted, host Tracy Murda speaks with personal injury and disability attorney Brian Mittman about workers' compensation law in New York. Brian shares how he stumbled into this area of law and highlights its importance in helping people make a living. They discuss the origins and purpose of workers' compensation law, the …
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Cats are killing Australia’s wildlife at such an alarming rate that governments around the country are working on a major crackdown. The draft management plan focuses mainly on feral felines, but domestic cats, let out of the house to roam are also recognised as a problem. In some council areas, felines would be forced to be securely enclosed 24 ho…
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