Connect with us
DAPA Banner
DAPA Coin
DAPA
COIN PAYMENT ASSET
PRIVACY · BLOCKDAG · HOMOMORPHIC ENCRYPTION · RUST
ElGamal Encrypted MINE DAPA
đŸš« GENESIS SOLD OUT
DAPAPAY COMING â€ș

News Videos

What is Financial Literacy? || Define Financial Literacy.||

Published

on

What is Financial Literacy? || Define Financial Literacy.||



What is Financial Literacy? || Define Financial Literacy.||
#Financial Literacy

source

Continue Reading
Click to comment

You must be logged in to post a comment Login

Leave a Reply

News Videos

Why Everything REALLY Changes After $20,000

Published

on

Why Everything REALLY Changes After $20,000



In this video we discuss several reasons why I think $20,000 is a really great benchmark to hit in your financial journey.

Free Financial Mastersheet Download: https://shop.beacons.ai/humphreytalks/52599ebf-bd4a-4d8a-86d1-c07e1c219af9

🌟 Free Templates and Resources: https://beacons.ai/humphreytalks/downloads
đŸ‘Ÿ Join the free Discord Community: https://discord.gg/xJzsaGaaDE
đŸȘ Hump Days Newsletter ➭ https://humpdays.substack.com

WHO AM I?
Hello 👋 I’m Humphrey, I used to be a financial advisor, worked in gaming/tech, and started my own eCommerce business. I make practical, rational content on investing, personal finance, the news, and much more with a data-backed approach. My goal is to help you with financial literacy and creating wealth.

Advertisement

PS: I am no longer a current Financial Advisor, any investment commentary are my opinions only. Some of the links in this description are affiliate links that I do receive a commission for & they help support the channel!

SOCIALS:
* Second Channel: https://youtube.com/@hug
* Instagram: https://instagram.com/humphreytalks
* Twitter: https://twitter.com/humphreytalks
* TikTok: https://tiktok.com/@humphreytalks

⏱ Timestamps:
0:00 – Start Here
0:27 – Wealth Begins to Accelerate
2:19 – Mindset Shift Toward Abundance
5:39 – When Poor Everything Costs More
7:27 – The Investor Class
9:39 – Long Term vs Short Term
11:37 – Getting to $20K ASAP

source

Advertisement
Continue Reading

News Videos

The Most Insane Debt I’ve Ever Seen | Financial Audit

Published

on

The Most Insane Debt I've Ever Seen | Financial Audit



▶ CRAZIEST POST SHOW- *SHE HAS A SECRET DEBT BEHIND HIS BACK* This is insane. I fully expose her to him, and the conversation goes off the rails… things get exposed that I couldn’t even imagine… wacth here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

▶▶ *FREE TRIAL* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* and for this month only, you can try DollarWise Central for *free* – check it out here and change your life: https://dollarwise.com/dollarwise-central/

▶▶▶Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don’t overcomplicate this crap! All you need is an automated / SIMPLE budget.

▶▶▶▶ *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5

Advertisement

Try Rocket Money for free: https://RocketMoney.com/caleb

___________________________________________
▶EDUCATION:

1. Get your own free Hammer Financial Score: https://www.calebhammer.com

2. Get all of my educational programs for a much lower cost here, including the premium version of my budgeting app: https://dollarwise.com/dollarwise-central/

Advertisement

___________________________________________
▶RESOURCES

1. *I’VE MOVED MY INVESTMENTS TO WEBULL* do the same and transfer to my investing app of choice here: https://www.webull.com/k/Caleb and you get: *Cash bonus of $200 – $30,000* depending on initial funding amount, up to 8.1% APY, and up to 3.5% IRA Match.

2. Checking & Savings: Get up to $500^ before payday when you sign up and set up direct deposit. No credit check. No interest*. No mandatory fees: https://clickurl.ca/caleb-mypay

3. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer

Advertisement

4. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb

5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad)

6. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/

7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer

Advertisement

8. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer

___________________________________________
Chapters:

00:00 Intro
05:46 lol
16:57 lol again
34:43 whats her f*cking problem
48:17 thats a first
01:06:48 the concept of friendship is foreign to the caleb
01:22:53 but wait! theres more

___________________________________________
▶More Content

Advertisement

1. Financial Audit Follow-Ups here: https://www.youtube.com/@calebhammerclips

2. Caleb Hammer Livestreams: https://linktr.ee/calebhammerlive

3. Livestream Cutdown VODs: https://www.youtube.com/@livecalebhammer
___________________________________________
▶EXTRA

1. My socials: https://stan.store/calebhammer

Advertisement

2. Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply
___________________________________________

▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice.

▶Sponsorship and business inquiries: business@calebhammer.com

source

Advertisement
Continue Reading

News Videos

Iran Just Kicked Off Bitcoin’s Endgame

Published

on

Iran Just Kicked Off Bitcoin's Endgame



Iran, the country under some of the harshest sanctions on Earth, is apparently now the protagonist of our bitcoin thesis?

Get the BEST, 100% open source Bitcoin hardware wallet – The Blockstream Jade Plus. 10% with code EXIT:
https://store.blockstream.com/?code=exit

Stay ahead of bitcoin major stories + exclusive behind the scenes of my videos 🙂
https://getbasedtv.beehiiv.com/

Want to support the show? We’re crowdfunding via BTC:

Advertisement

Bitcoin Address: bc1qg5ls7ugdky4a3ujdpkvnh9mlgng353th2eqc85
Lightning/LNURL: getbasedtv@coinos.io

Produced by: @getbasedtv
Director & Writer: Julian Figueroa
Creative Strategist: Benjamin CÎté
Editor: Bexef Creative

source

Continue Reading

News Videos

8 Habits to Practice Daily That Lead to God’s Financial Blessing

Published

on

8 Habits to Practice Daily That Lead to God’s Financial Blessing



Download the free outline for today’s devotional, Winning With the Hand You’re Dealt, and learn how to make the most of the circumstances and gifts God has given you: https://dailyhope.s3.amazonaws.com/Communications/Downloads/DH-Winning-With-the-Hand-Youre-Dealt.pdf

Is money stressing you out or testing your faith? In this eye-opening message, Pastor Rick reveals that how you manage your money is one of the biggest tests of your spiritual maturity. Jesus taught more about money than almost anything else, not to make you feel guilty, but to help you grow.

Watch more videos like this 👇
TRUST GOD – Prayers for a Financial Breakthrough in Your Life: https://youtu.be/BzwSLyADgno
“A Faith That Handles Wealth Wisely” with Pastor Rick Warren: https://youtu.be/iQd5VExVDRs
Can I Be Wealthy and Not Materialistic?: https://youtu.be/j5fU8V_y5Ew
TRUST God When It Feels Like Nothing Is Working Out for You: https://youtu.be/i8PZ2JKXRMA

Subscribe: https://www.youtube.com/DailyHopeRickWarren?sub_confirmation=1

Advertisement

Listen to Pastor Rick’s daily Bible teaching and subscribe to his Daily Hope email devotional at http://pastorrick.com

Rick Warren is an innovative pastor, renowned author, and global influencer. The various ministries Pastor Rick has created are a multi-faceted expression of his heart to bring the whole Gospel to the whole world.

Pastor Rick brings hope and encouragement to people around the globe. Through his video, audio, and written devotional Bible teaching, he shares the love of Jesus and biblical truth with a world in need, helping people live a truly purpose driven life—the life God designed just for them.

Get Pastor Rick’s new book here: https://dailyhope365.com
Make a donation: https://donate.pastorrick.com/donation/missional?CID-YTMission

Advertisement

Learn More: https://pastorrick.com

Let’s Connect…
Facebook: https://www.facebook.com/pastorrickwarren
Twitter: https://twitter.com/RickWarren
Instagram: https://www.instagram.com/pastorrickwarren
Podcast: http://pastorrick.com/listen/podcast

source

Continue Reading

News Videos

Bitcoin Bullish Rally or Bearish Trap?

Published

on

Bitcoin Bullish Rally or Bearish Trap?



Channel for Intraday Trading using Algo👉 https://youtube.com/@MarketBreakoutLive?sub_confirmation=1

Zero Trading Fees offer US Stocks, Metals, Crude Oil and Crypto 24*7 on Pi42👉https://pi42app.app.link/2S81tk8SWTb

For Latest Crypto News & Update FREE Crypto Telegram Channel👉 https://t.me/cryptoinvestographer

Trade in Crypto using CoinDCX👉 https://join.coindcx.com/invite/QCqC
Zero Trading Fees on Crypto (Pi42)👉 https://pi42app.app.link/2S81tk8SWTb

Advertisement

To Join our Crypto Club👉 https://investographer.vizible.in/p/crypto-club

Mastering Technical Analysis Program👉 https://www.investographer.in
Join Investographer FREE LEARNING COMMUNITY on our APP👉 https://investographer.in

Download our FREE APP 👇
Android👉 https://play.google.com/store/apps/details?id=com.rpy.investnstkbh
iOS (Apple)👉 https://apps.apple.com/in/app/investographer/id6759314746

Join our Free Telegram Group (Weekly Watchlist)👉https://t.me/investographer

Advertisement

👉 Subscribe to our 2nd Channel : https://www.youtube.com/c/Investographer20?sub_confirmation=1

Join us on :
👉Twitter : https://www.twitter.com/INVESTOGRAPHER1
👉Telegram : https://t.me/investographer [ Beware of Fake groups, Real ID : @investographer ]
👉Instagram : https://www.instagram.com/investographer1/

For Business Enquiry : investographer.business@gmail.com

PLAYLISTS For Learning ▶
👉The Investographer Podcast :

👉Fibonacci Trading :

👉Trading View Tutorial :

👉Fundamental Analysis :

👉Scanning Stocks :

👉Our Trades :
https://www.youtube.com/playlist?list=PL2PWZbV2ucUSZz9H7FPEcbtBPvG0XUZfk

Advertisement

———————————————————————-
Live Session Timings : 8:30 pm
———————————————————————-

Timestamps:

#Stockmarket #Nifty #Banknifty #Multibagger #Breakout #Trading #Chartoftheweek #Tata #SwingTrade #multibagger #Adani #stocks #Tradingview #TechnicalAnalysis

Disclaimer: We are not SEBI registered. All the content (videos, comments, posts, community posts, live streaming, etc) of this channel is for educational and informational purposes only, Conduct your own due diligence, or consult a licensed financial advisor or broker before making any and all investment decisions.

source

Advertisement
Continue Reading

News Videos

The Unexpected Laws of Personal Finance – Morgan Housel

Published

on

The Unexpected Laws of Personal Finance - Morgan Housel



Morgan Housel is a partner at The Collaborative Fund, an investor and an author.

Why is spending money well a skill most people never learn? In a world obsessed with saving, why does saying “it’s okay to spend” still feel taboo? What can high performers teach us about investing not just money, but time, energy, and attention wisely?

Expect to learn why it’s important to talk about how to spend money well when learning about personal finance, why good financial ideas struggle to spread while bad ones travel effortlessly, what Morgan’s definition of success is, how much modern dissatisfaction comes from comparing ourselves to people we don’t actually want to be like, the real relationship between money and happiness with nuance, why it’s so hard to find people who have managed to be wealthy, successful, happy and peaceful and much more


Advertisement

0:00 What Your Spending Habits Say About You
6:28 Will a Big House Make You Happy?
10:22 The Surprising Truth About Money and Happiness
21:35 Is Wealth Actually Measurable?
28:11 Why We’re So Hard On Ourselves About Money
34:01 The Relationship Between Money and Status
39:59 Can You Train Yourself to Feel Financially Content?
49:46 What Really Makes People Happy?
54:13 Is Inheritance a Hidden Burden?
01:04:59 The Smartest (and Dumbest) Ways to Spend Your Money
01:12:03 The Transformative Power of Storytelling
01:24:51 Why Anger Makes You Feel Superior
01:32:29 Do Men and Women Build Wealth Differently?
01:37:28 The Biggest Money Mistakes Parents Make
01:42:49 How the Housing Crisis Shaped a Generation
01:52:25 Why People Are Afraid to Spend Money
01:59:34 Where to Find Morgan

Get a Free Sample Pack of LMNT’s most popular flavours with your first purchase at https://drinklmnt.com/modernwisdom

Get up to $350 off the Pod 5 at https://eightsleep.com/modernwisdom

Advertisement

Get 35% off your first subscription on the best supplements from Momentous at https://livemomentous.com/modernwisdom

New pricing since recording: Function is now just $365, plus get $25 off at https://functionhealth.com/modernwisdom

Get access to every episode 10 hours before YouTube by subscribing for free on Spotify – https://spoti.fi/2LSimPn or Apple Podcasts – https://apple.co/2MNqIgw

Advertisement

Get my free Reading List of 100 life-changing books here – https://chriswillx.com/books/

Try my productivity energy drink Neutonic here – https://neutonic.com/modernwisdom

Get in touch in the comments below or head to…
Instagram: https://www.instagram.com/chriswillx
Twitter: https://www.twitter.com/chriswillx
Email: https://chriswillx.com/contact/

source

Advertisement
Continue Reading

News Videos

Parmish Verma : Time Is Money (Official Video)

Published

on

Parmish Verma : Time Is Money (Official Video)



Parmish Verma’s “Time Is Money” is the ultimate flex anthem of the year — a hard-hitting banger where he shows off everything he’s earned through hustle and grind. From struggles to success, it’s all about living proof that time really is money.

Streaming Links :

Insta
https://tinyurl.com/3vmbvee5

Spotify
https://tinyurl.com/fjzer3yz

Advertisement

Amazon Music
https://tinyurl.com/y9ff68ps

Apple Music
https://tinyurl.com/vj9dbp4m

Gaana
https://tinyurl.com/4jk4xfje

JioSaavn
https://tinyurl.com/yxfhzx5n

Advertisement

YouTube Music
https://tinyurl.com/3ejnkcwc

Speed Records Presents

đŸŽ”- Credits

Song – Time Is Money
Singer – Parmish Verma
Lyrics – Laddi Chahal
Music Composer – Black Virus
Producer – Zorawar
Composer – Laddi Chahal
Mix Master – Dense

Advertisement

đŸŽ„ – Credits

Director – Agam Mann & Aseem Mann
Styled by – Medha Bahuguna
Photography – Beej Lakhani
Line Production – Akshay Kapoor
DOP – Shinda Singh
Editor – Mr LUV
Color – Grade Onkar Singh
AD – Rajat Yadav

đŸ‘šâ€đŸ’» – Credits

Digitally Powered By – Scope Digital

Advertisement

Lyrics :

Birkin moddeyan ch, gutt van cleef ni
Ho hermes pairan ch main karaan ki tareef teri
Sohniye drip di tu layi phiren agg
Teri saheli sadi fan te yaaran da sara jagg
Chori chori takkdi ae mittran di whip nu ni
Kade iced out kade glock de clip nu ni
Navi navi uttari lage jo teri sangh jehi ni
Time is money tu yaaran toh jehda mangdi
Nazaraan milauni ae te naale escape karen
Mittran di ghadi dekh ghadi mudi vape karen
Masti ch lagdi ae phirdi ae jhoomdi ni
Gallan toh ta lagge mainu fan mashroom di
Mainu lagge billo bali ni tu fan-cy
Assi old school kudiye tu gen-z
Akhaan vich nasha thalle personal benz ni
Lean di shukeen kude bali ae trendy ni
Lambo dekh kudi kehndi f*** wow
What when how chalo chhado mitti pao
Ho aari aari aari, ho enni chheti na,
Ho enni chheti nhi khulni sadi whip di tere layi baari
Ho sanu puggdiyan yaariyan
Ho gedi baith ke jihna na jaavan maari
Ho chandigarhon sadhe teen ghante ch dubai
Naal yaar veli kai munde patte fun de
Ghadiyan te gaddiyan da shonk munde nu
Whip tiffany blue wait kre runway
Ho menu puchhan shareek tankhaha meriyan
Ho deni cullinan baapu nu salaha meriyan
Kamm kaar set main le ke jaavan jet
Mainu jithe jithe le ke jaan raahan meriyan
Ho pump rakhde sharir phansi doleyan ch sando
Kari lift g-class te grounded lembo
Har din har waar, shaniwar aitwar
We don’t pray for, we just pray for cars
Ho gardana ghumdiyan jadon shehron langhdi
Ho time is money tu yaaran toh jehda mangdi
Ho time is money tu yaaran toh jehda mangdi
I’m sorry girl
My time is my money
Let’s go boys
Slab
I’m handling some motherf*cking business homie
I hope you talk, you call about money!
Har din har waar, shaniwar aitwar
We don’t pray for, we just pray for cars
Ho gardana ghumdiyan jadon shehron langhdi
Ho time is money tu yaaran toh jehda mangdi
Ho time is money tu yaaran toh jehda mangdi

Like || Share || Spread || Love

Enjoy & stay connected with us!
â–ș Subscribe to Speed Records : http://bit.ly/SpeedRecords
â–ș Like us on Facebook: https://www.facebook.com/SpeedRecords
â–ș Follow us on Twitter: https://twitter.com/Speed_Records
â–ș Follow us on Instagram: https://instagram.com/speedrecords
â–ș Follow on Snapchat : https://www.snapchat.com/add/speedrecords

Advertisement

OldSchoolTieIndia –
https://www.youtube.com/channel/UCX6Xc3BjHWAWSTYkoPwxMx

Speed Records Haryanvi
Youtube: https://bit.ly/2kSrhZK
Instagram: https://www.instagram.com/speedharyanviofficial

punjabi, punjabi music, punjabi latest music, punjabi latest songs, punjabi romantic songs, punjabi sad songs, latest punjabi songs 2024, punjab, speed records, Punjabi Songs, All hit punjabi songs, New punjabi songs 2024, All new punjabi songs 2024, All new latest punjabi songs 2024, Hit punjabi song, Parmish Verma, Time Is Money, Parmish Verma new song, Parmish Verma 2025 song, Time Is Money Parmish Verma, Time Is Money song, Time Is Money Parmish, Parmish Verma flex song, Punjabi flex anthem, Parmish Verma Time Is Money official video, Punjabi rap 2025, Punjabi motivation song, Parmish Verma latest song, Time Is Money Parmish Verma lyrics, Speed Records Parmish Verma, Time Is Money Parmish Verma reaction, Parmish Verma music video, Time Is Money Parmish Verma status, Punjabi hip hop 2025, Time Is Money Parmish reel song, Parmish Verma hard song, Parmish Verma attitude song, Parmish Verma success song, Punjabi trending song, Parmish Verma new video, Parmish Verma lifestyle, Parmish Verma Rolex, Parmish Verma Range Rover, Parmish Verma motivational song

Speed Records Bhojpuri –
Youtube: https://bit.ly/2y8HSez
Instagram: https://bit.ly/2xM2WYL
Snapchat: https://www.snapchat.com/add/speedbhojpuri

source

Advertisement
Continue Reading

News Videos

Crypto Something Big Is Quietly Brewing

Published

on

Crypto Something Big Is Quietly Brewing



Buy crypto trending, BTC, SOL, NEAR, ZEC, HYPE, QQQ, and more!
đŸ€« BITUNIX TRADE THE TOP COINS (available everywhere) 👉 https://cryptolark.co/BITUNIX

Join the Inner Circle for exclusive content and updates 🚀
👉 https://cryptolark.co/THEINNERCIRCLE

Follow on Instagram for market highlights, mindset, and financial insights 📈
👉 https://www.instagram.com/larkdavisofficial

Want to get your project in front of one of the biggest audiences in crypto? Sign up to sponsor my newsletter here 👉 https://cryptolark.co/SPONSORS

Advertisement

🌟🌟🌟 TOP CRYPTO SERVICES & PRODUCTS 🌟🌟🌟
💾 BYBIT $30,030 BONUS & FEE DISCOUNT 👉 https://cryptolark.co/BYBIT

🚀 Kraken – Trade Stocks Up To 20X Leverage 👉 https://cryptolark.co/THEKRAKEN

🔒 BEST CRYPTO WALLET TO KEEP YOUR ASSETS SAFE
👉 BUY LEDGER WALLET HERE â–șâ–ș https://shop.ledger.com/r/lark-davis?r=6877

NOTE: The above are affiliate links and I receive a commission when you use these links to start your accounts. Using any cryptocurrency platform involves risk which may result in a complete loss of funds. Futures trading is a high-risk activity and should only be undertaken by those who understand the risks and are prepared to sustain a complete loss of funds. Thank you for your support.

Advertisement

00:00 Crypto Market Brewing Something Big
00:54 Buy Crypto Searches Exploding
02:04 Bitcoin Trapped Between EMAs
02:47 Wall Street Dumping Bitcoin ETFs
07:31 Solana Tokenized Assets Growing
08:14 Solana Massive Accumulation Zone
09:34 Near Protocol Huge Revenue Growth
12:49 Nasdaq Keeps Hitting Highs
13:49 Nvidia Still Not A Bubble
15:07 Humanoid Robots Massive Opportunity

🧹🧹 FULL PORTFOLIO AND DISCLOSURE OF VENTURE INVESTMENTS 🧹🧹
https://cryptolark.co/personalportfolio

#bitcoin #crypto #investing #cryptocurrency #cryptocurrencies #altcoins #cryptobullrun #ethereum

Disclaimer
This content is intended purely for general knowledge and educational discussion. It is not financial advice, a recommendation, or a financial promotion under the laws of any jurisdiction. Nothing shared here should be interpreted as an offer to buy or sell any virtual asset, financial product, or security. The material is not tailored to any specific investor profile and is not intended to guide investment decisions.
All views expressed are personal opinions or general commentary for informational purposes only. Unless explicitly stated, no part of this content has been sponsored, commissioned, or endorsed by any issuer, platform, or third party. Virtual Assets involve significant risk and can be extremely volatile. You could lose some or all of
your investment, and there are no legal or financial protections in place. Some assets may be illiquid, difficult to transfer, or subject to irreversible transactions.
Past results do not predict future performance. This content does not imply that investing is easy, safe, or guaranteed to yield returns. Where partnerships or paid collaborations are involved, those will be clearly marked in accordance with applicable disclosure requirements. Please do your own research and speak with a qualified advisor before making any investment. Only invest what you’re fully prepared to lose.

source

Advertisement
Continue Reading

News Videos

Joe Rogan Financial Freedom Explained

Published

on

Joe Rogan Financial Freedom Explained



#joerogan #joeroganexperience #finance #motivation #investing
Joe Rogan talks about what financial freedom actually is. Achieving a significant amount of money is great, but Joe talks about how the feeling is not significantly better day to day, than if you had enough money to cover your bills and expenses.

source

Continue Reading

News Videos

MONEY SPEAK – YAYA BLR & SNIPER BLR (Clip Officiel)

Published

on

MONEY SPEAK - YAYA BLR & SNIPER BLR (Clip Officiel)



Disponible maintenant sur toutes les plateformes de streaming

🎧 Écoute ici : https://social.tunecore.com/linkShare?linkid=O5ys22r-ZDB7dB126JBbMQ

—

🎬 CRÉDITS

Advertisement

đŸŽ„ Clip : King Films
🎧 Production : Sang MĂȘlĂ© Recordz
đŸŽšïž Mix & Master : JT

—

đŸ“Č Suis-moi sur les rĂ©seaux :

Sniper Blr đŸŽâ€â˜ ïž

Advertisement

Instagram : https://www.instagram.com/sniper_blr?igsh=ZG45NTdueW95d215

Yaya Blr đŸŽâ€â˜ ïž

Instagram : https://www.instagram.com/yaya.blr?igsh=aW5kMmRxdXY2cnpu

source

Advertisement
Continue Reading

Trending

Copyright © 2025