By using this site you warrant that you are 18 years of age or older.
By using this website or any information on it, including but not limited to blogs, videos, audios, social media posts, products, and services, you acknowledge that you have read and agree to the terms in this disclaimer. If you do not agree to these terms, DO NOT USE THIS WEBSITE.
See more details below regarding GDPR compliance in the section titled GDPR Compliance - Privacy and Cookies Policy.
INFORMATIONAL PURPOSES ONLY
The information provided on this website, in free resources or in paid programs is for informational purposes only. In no way is the information provided meant to be a substitute for professional legal or financial advice. If you require legal or financial services, it is your responsibility to seek it out from a licensed attorney or financial services professional. In no way is the information provided meant to be a substitute for medical or psychological advice. This information does not serve to diagnose, treat, or provide a cure for any condition you may be experiencing. If you require medical or psychological services, it is your responsibility to seek out the attention of a licensed doctor or mental health professional.
Company has made every effort to ensure that all business information, including but not limited to any references to technology or business methodology, provided on the Website has been tested for accuracy. There is no guarantee that you will see positive results to your business using the techniques and materials provided on the Website. Company assumes no responsibility for your decisions or for policies or practices that you implement based on information on the Website. Everything provided on the Website is for informational purposes only.
USE OF SITE
We hope you enjoy using this website as it is meant to provide you with information about ONLINE BUSINESS. In addition to providing you with information, the other purposes of our website include, allowing you to join our mailing list, sign-up for free gifts, place orders to purchase our products and services, provide a means for you to contact us. Any other use of this site is prohibited.
You agree not to use any features of this site that permit communications or postings to post, display, or otherwise communicate any of the following:
any defamatory, threatening, obscene, harassing, or otherwise unlawful information;
any advertisement, solicitation, or spam;
any encouragement of illegal activity;
unauthorized use or disclosure of private, personally identifiable information of others;
any materials subject to trademark, copyright, or other laws protecting any materials or data of others in the absence of a valid license or other right to do so; or
any false or misleading information.
TERMS AND TERMINATION
Without limiting its other remedies, Company may immediately discontinue, suspend, terminate, or block your and any user’s access to this site at any time in Company’s sole discretion.
SITE CONTENTS AND OWNERSHIP
Company owns the intellectual property rights of all information on this site including but not limited to the company name, logo, graphics, videos, audios, images, designs, photographs, writings, graphs, data, and other materials. Company’s ownership rights are protected by copyrights, trademarks, trade secrets, or other proprietary rights. You shall comply with all copyright laws worldwide in your use of this website and prevent unauthorized copying. You may not copy, display, distribute, modify, reproduce, or transmit this site or portions thereof without prior written consent from Company. Except as provided in this Agreement, Company does not grant you any express or implied right in or under any patents, trademarks, copyrights, or trade secret information.
INFORMATION YOU PROVIDE TO US
You agree that any information you provide to us through email, comments, or other forms of communication, is done with a non-exclusive, worldwide, perpetual, irrevocable, royalty-free license to use however we see fit. Please do not provide us with information you do not want us to use.
We collect certain technical and routing information about your computer, which is automatically submitted to us by your browser and does not personally identify you. This information may include browser type, operating system and CPU speed, your IP address, and search requests and results. We may also track your use of the site, including pages visited and the time spent on each page. The purpose of collecting this information is to provide you with the best possible service, to ensure the accuracy and efficiency of our search engine, and to measure the use of this website and to improve its content and performance. To the extent we share such information with third parties, it is not traceable to any particular user and will not be used to contact you.
THIRD PARTY LINKS
Through Company’s website, Company may promote a product or service based on Company’s affiliate relationship with an individual or business by embedding tracking links into the Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions. Company may receive compensation if you purchase the promoted product or service through Company’s link at no extra cost to you. Company’s promotion of the product or service does not serve as an endorsement and should not be seen as such. If you choose to purchase any affiliate products or services, you do so at your own risk.
PERSONALLY IDENTIFIABLE INFORMATION
The only personally identifiable information we collect is that which you voluntarily provide. We will use this information in order to send you emails regarding offers, products, and services we think may interest you. We may also use it to conduct marketing research, and improve our products and services. When you submit personally identifiable information to us, you understand that you are agreeing to allow us to access, store, and use it for those purposes.
We may share this information with third parties, but only those parties we trust to help us run our website and online business, and who agree to keep your information confidential. We may also provide this information if requested by law enforcement upon receipt of the appropriate documentation.
Through this website we may sell products and services. In order to purchase our products and services you will be asked to provide financial information. Typically this information will be collected by a third-party provider. In the event that the information is collected by us, we will not disclose your financial information to anyone unless required to do so by court order.
If at any time you do not wish to receive offers and e-mails from us, we ask that you tell us. There will be instructions to opt-out of our mailing list on the emails you receive from us.
We take measures to maintain the security of the personal information you have provided to us. Even so, we cannot guarantee that all information shared through the internet will remain secure and you agree that we are not responsible for any unauthorized, inadvertent disclosure.
This site is not meant for children under the age of 18 years old. We do not knowingly collect information pertaining to or market to children under the age of 18 years old.
TRANSFER OF CUSTOMER INFORMATION
Company customer lists and information are considered business assets and as such, in the event that we merge with another entity or if we sell our assets to another entity, our business assets, including our customer lists and information, would be transferred to that entity.
ASSUMPTION OF RISK
You expressly agree that the use of this website is done at your own risk. The information published on this website is for informational purposes only. Any reliance you place on such, you do at your own risk. You understand that while great care is taken to provide you with the best information possible, Sincerely Stephanie Melissa (“Company”) makes no representations or warranties of any kind, express or implied, about the reliability, accuracy, completeness, security, or currency of the information provided.
The information published on this website regarding wealth, abundance, income, earnings, business profits or personal financial status is for informational purposes only. The information may provide real-life examples and/or hypothetical examples of possible outcomes, which are in no way guarantees what will occur in your specific situation. As you know, financial outcomes depend on many factors including but not limited to your level of personal responsibility, commitment, and abilities, in addition to those factors that you and/or Company may not be able to anticipate. You agree that Company is not responsible for your success, or lack thereof. Your reliance on any information provided is done at your own risk.
Any testimonials provided on this website are opinions of those providing them. The information provided in the testimonials is not to be relied upon to predict results in your specific situation. The results you experience will be dependent on many factors including but not limited to your level of personal responsibility, commitment, and abilities, in addition to those factors that you and/or Company may not be able to anticipate.
This website and the information, content, and materials on this website are provided on an “as is,” “where is,” and “where available” basis. Company makes no representations or warranties of any kind, express or implied, as to the operation of the website, the content, information, or the materials on this website. To the fullest extent permissible under applicable law, company expressly disclaims all warranties, express or implied, of any kind, with respect to any of the materials, content, or information on this website or any services, goods, or other products offered, sold, or displayed on this website or your use of this website generally, including warranties of merchantability, accuracy of information, quality, title, fitness for a particular purpose, and non-infringement. Some jurisdictions limit or do not allow the disclaimer of implied or other warranties, so the above disclaimer may not apply to the extent such jurisdiction’s law applies to this agreement.
ELECTRONIC COMMUNICATIONS AND ELECTRONIC SIGNATURES
You agree to be bound by any affirmation, assent, or agreement you transmit through this website, including but not limited to any consent you give to receive communications from Company solely through electronic transmission. You agree that when in the future you click on an “I agree,” “I consent,” or other similarly worded “button” or entry field with your mouse, keystroke, or other computer device, your agreement or consent will be legally binding and enforceable and the legal equivalent of your handwritten signature.
LIMITATION OF LIABILITIES
You agree that company and its providers shall not be liable for any damage, loss, or expense of any kind arising out of or resulting from your possession or use of the materials, content, or information on this site regardless of whether such liability is based in tort, contract, or otherwise. In no event, including, without limitation, a negligent act, shall company or any of its providers be liable to you for any direct, indirect, special, incidental, consequential, or punitive damages (including, without limitation, loss of profits, loss or corruption of data, loss of goodwill, work stoppage, computer failure or malfunction, or interruption of business), arising out of or in any way related to the materials, content, or information on this site or any other products, services, or information offered, sold, or displayed on this site, your use of, or inability to use, this site generally, or otherwise in connection with this agreement, regardless of whether company or any of its providers have been advised of the possibility of such damages. Because some states do not allow the limitation of liability for consequential or incidental damages, the above limitation may not apply to you.
LIMITATIONS ON CLAIM
Any cause of action you may have with respect to your use of this site must be commenced within one year after the claim or cause of action arises.
You agree to indemnify, defend, and hold harmless Company, its affiliates, agents, employees, and licensors from and against any and all claims and expenses, including reasonable attorney fees, arising out of or related in any way to your use of the site, violation of this Agreement, violation of any law or regulation, or violation of any proprietary or privacy right.
This Agreement is governed by and shall be construed in accordance with the laws of the county of Washington, state of Oregon, USA, without reference to its conflict-of-law provisions. You agree to submit to the personal and exclusive jurisdiction in Moncton; New Brunswick; Canada for any disputes with Company arising out of your use of this site. You agree that if a dispute arises, parties will attempt to resolve the dispute with mediation in Washington County, Oregon, USA or an online mediation service that is mutually agreed upon by all parties. The parties agree that their good faith participation in mediation is a condition precedent to pursuing other legal remedies. The successful party to any dispute resolution will be entitled to reasonable costs and fees incurred in resolving or settling the dispute, in addition to any other relief to which the party may be entitled.
This Agreement constitutes the entire agreement between Company and you with respect to this website. This Agreement supersedes and cancels all prior or contemporaneous discussions, writings, negotiations, and agreements whether electronic, oral, or written between you and Company with respect to this website.
A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based on or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.
If any term in this Agreement is found to be void or voidable, the remaining terms of the Agreement are unaffected, and deemed to remain in full force and effect, including those terms that are similar.
Company’s failure to enforce its rights under this Agreement or take action against any party for breach of this Agreement does not constitute a waiver of such rights, or of future subsequent enforcement of such rights.
MODIFICATIONS TO AGREEMENT
Company may revise this Agreement at any time. Your continued use of this site, our products and services serve as an agreement that you agree to be bound by the revised Agreement. Company’s modifications will become effective on the date they are first posted to this site. Company does not have any obligation to notify you of changes to this Agreement. It is your responsibility to review the terms to apprise yourself of modifications.
ASSIGNMENT OF RIGHTS
Your rights under this Agreement are not assignable.
Should you have questions regarding the above policies, please contact email@example.com.
Updated: March 2019
GDPR Compliance - Privacy and Cookies Policy
Updated: March 16, 2019
That being said, here it is! All the boring legal stuff you probably never really wanted to read and don’t give a flip about knowing. Have fun!
C-NIC, LLC (DBA Monetize Your Brilliance, DBA Christine Parma) understands that your privacy is important to you and that you care about how your information is used and shared online. We respect and value the privacy of everyone who visits Our Site and will only collect and use information in ways that are useful to you and in a manner consistent with your rights and Our obligations under the law.
1. Definitions and Interpretation
In this Policy the following terms shall have the following meanings:
“Account” means an account required to access and/or use certain areas and features of Our Site;
“Cookie” means a small text file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site. Details of the Cookies used by Our Site are set out in section 12, below;
“Our Site” means this website, https://ChristineParma.com;
“United States and EU Cookie Law” means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003 as amended in 2004, 2011 and 2015; and
“We/Us/Our” means C-NIC, LLC, a limited company registered in the United States of America under EIN number 27-1067362, whose registered address is PO Box 4017, Beaverton, OR 97075 and whose main trading address is PO Box 4017, Beaverton, OR 97075.
2. Information About Us
2.1. Our Site, https://ChristineParma.com, is owned and operated by C-NIC, LLC, a limited company registered in the United States of America under under EIN number 27-1067362, whose registered address is PO Box 4017, Beaverton, OR 97075 and whose main trading address is PO Box 4017, Beaverton, OR 97075.
2.2. We are regulated by the Oregon Department of Revenue and the Internal Revenue Service.
3. Scope – What Does This Policy Cover?
4. What Data Do We Collect?
4.2. business/company name
4.4. information you share with us in connection with surveys, contests or promotions
4.5. contact information such as email addresses and telephone numbers;
4.6. demographic information such as postal code, preferences and interests;
4.7. financial information such as credit / debit card numbers;
4.8. IP address (automatically collected);
4.9. web browser type and version (automatically collected);
4.10. operating system (automatically collected);
4.11. a list of URLs starting with a referring site, your activity on Our Site, and the site you exit to (automatically collected);
4.12. your marketing preferences
4.13. The emails and other communications that you send us
4.14. Facebook pixels
4.15. Other information you choose to share in connection with using our products and services
5. How Do We Use Your Data?
5.1. All personal data is stored securely in accordance with the EU General Data Protection Regulation (Regulation (EU) 2016/679) (GDPR). For more details on security see section 6, below.
5.2. We use your data to provide the best possible products, services and information to you. This includes:
5.2.1. Providing and managing your Account;
5.2.2. Providing and managing your access to Our Site;
5.2.3. Personalizing and tailoring your experience on Our Site;
5.2.4. Supplying Our products and services to you;
5.2.5. Personalizing and tailoring Our products and services for you;
5.2.6. Responding to communications from you;
5.2.7. Supplying you with email communications, such as our newsletters, trainings and free resources, that you have subscribed to (you may unsubscribe or opt-out at any time by clicking on the “Manage your subscription” link at the bottom of our emails to you);
5.2.8. Market research;
5.2.9. Processing payments;
5.2.10. Tailoring our advertisements on third-party platforms, like Facebook, to you so you’re more likely to see ads that you actually care about seeing;
5.2.11. Managing third party relationships, such as our vendor and partner relationships;
5.2.12. Enforcing our Terms of Service and other legal terms and policies;
5.2.13. Complying with applicable legal requirements, such as tax and other government regulations and industry standards, contracts and law enforcement requests;
5.2.14. Sharing personal information with third parties so they and we can provide you with tailored advertising and measure and monitor its effectiveness;
5.2.15. Sharing personal information with our service providers that perform services on our behalf;
5.2.16. Managing our affiliates when it is reasonably necessary or desirable, such as to help provide services to you or analyze and improve the services we or they provide;
5.2.17. Analyzing your use of Our Site and gathering feedback to enable Us to continually improve Our Site and your user experience;
5.3. In some cases, the collection of data may be a statutory or contractual requirement, and We will be limited in the products and services We can provide you without your consent for Us to be able to use such data.
5.4. With your permission and/or where permitted by law, We may also use your data for marketing purposes which may include contacting you by email and/or telephone and/or text message and/or Facebook Messenger with information, news and offers on Our products and/or services. We will not, however, send you any unsolicited marketing or spam and will take all reasonable steps to ensure that We fully protect your rights and comply with Our obligations under the GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003, as amended in 2004, 2011 and 2015.
5.5. Under GDPR we will ensure that your personal data is processed lawfully, fairly, and transparently, without adversely affecting your rights. We will only process your personal data if at least one of the following basis applies:
a. you have given consent to the processing of your personal data for one or more specific purposes;
b. processing is necessary for the performance of a contract to which you are a party or in order to take steps at the request of you prior to entering into a contract;
c. processing is necessary for compliance with a legal obligation to which we are subject;
d. processing is necessary to protect the vital interests of you or of another natural person;
e. processing is necessary for the performance of a task carried out in the public interest or in the exercise of official authority vested in the controller; and/or
f. processing is necessary for the purposes of the legitimate interests pursued by us or by a third party, except where such interests are overridden by the fundamental rights and freedoms of the data subject which require protection of personal data, in particular where the data subject is a child. We must process certain sensitive personal data in order to fulfill our obligations in delivering products, information and/or services you have requested and/or purchased from us.
6. How and Where Do We Store Your Data?
6.1. We only keep your data for as long as We need to in order to use it as described above in section 5, and/or for as long as We have your permission to keep it. In any event, we will conduct periodic reviews to ascertain whether we need to keep your data. Your data will be deleted if we no longer need it in accordance with the terms of our Data Retention Policy.
6.2. Your data will primarily be stored within the United States, Vietnam and in locations where the data processors and data storage companies we use store their data. Personal information that you submit to Us or through the Third Parties we contract with may be transferred to countries other than where you live. Your personal information may be transferred to countries that do not have the same data protection laws as the country in which you initially provided the information.
You are deemed to accept and agree to this by using Our Site and submitting information to Us. If We do store or transfer data outside the United States, We will take all reasonable steps to ensure that your data is treated as safely and securely as it would be within the United States or within the European Union and under the GDPR. Such steps may include, but not be limited to, the use of legally binding contractual terms between Us and any third parties We engage and the use of the EU-approved Model Contractual Arrangements. If We intend at any time to transfer any of your data outside the EEA, We will always obtain your consent beforehand and we have put in place the following safeguards to protect your data:
6.3. Data security is of great importance to Us, and to protect your data We have put in place suitable physical, electronic and managerial procedures to safeguard and secure data collected through Our Site.
6.4. Notwithstanding the security measures that We take, it is important to remember that the transmission of data via the internet may not be completely secure and that you are advised to take suitable precautions when transmitting to Us data via the internet.
7. Do We Share Your Data?
7.1. We only share your data with other companies when it facilitations us carrying out the services, products and subscriptions you signed up for and/or it enhances our ability to provide you with a better experience.
7.2. We may contract with third parties to supply products and services to you on Our behalf. These may include payment processing, delivery of goods, search engine facilities, advertising and marketing. In some cases, the third parties may require access to some or all of your data. Where any of your data is required for such a purpose, We will take all reasonable steps to ensure that your data will be handled safely, securely, and in accordance with your rights, Our obligations, and the obligations of the third party under the law. For example, data may be shared with:
SquareSpace, Google, ThriveCart, SamCart, Stripe and/or Leadpages, among other companies providing business services to us.
Your data may also be viewed by specific contractors we have hired to fulfill business duties, such as email list management and product and service delivery to you.
7.3. We may compile statistics about the use of Our Site including data on traffic, usage patterns, user numbers, sales and other information. All such data will be anonymised and will not include any personally identifying information. We may from time to time share such anonymized data or statistics (without personal data details) with third parties such as prospective investors, affiliates, partners and advertisers. Data will only be shared and used within the bounds of the law.
7.4. In certain circumstances We may be legally required to share certain data held by Us, which may include your personal information, for example, where We are involved in legal proceedings, where We are complying with the requirements of legislation, a court order, or a governmental authority. We do not require any further consent from you in order to share your data in such circumstances and will comply as required with any legally binding request that is made of Us.
8. What Happens If Our Business Changes Hands?
8.2. In the event that any of your data is to be transferred in such a manner, you will be contacted in advance and informed of the changes. When contacted you will be given the choice to have your data deleted or withheld from the new owner or controller.
9. How Can You Control Your Data?
9.1. When you submit information via Our Site, you may be given options to restrict Our use of your data. We aim to give you strong controls on Our use of your data (including the ability to opt-out of receiving emails from Us which you may do by unsubscribing using the “Manage your subscription preferences” link provided in Our emails.
10. Your Right to Withhold Information and Your Right to Withdraw Information After You Have Given it
10.1. You may access certain areas of Our Site without providing any data at all. However, to use all features and functions available on Our Site, you may be required to submit or allow for the collection of certain data.
10.3. You may withdraw your consent for Us to use your personal data as set out in section in 5 at any time by contacting Us using the details set out in section 15, and We will delete Your data from Our systems. However, you acknowledge this may limit Our ability to provide the best possible products, information and services to you.
11. How Can You Access Your Data?
You have the legal right to ask for a copy of any of your personal data held by Us (where such data is held). Please contact Us for more details at Team@ChristineParma.com, or using the contact details below in section 14.
12. What Cookies Do We Use and What For?
12.2. By using Our Site you may also receive certain third party Cookies on your computer or device. Third party Cookies are those placed by websites, services, and/or parties other than Us. We use third party Cookies on Our Site for website visitor analytics. For more details, please refer to section 5, above, and to section 12.6 below. These Cookies are not integral to the functioning of Our Site.
12.3. All Cookies used by and on Our Site are used in accordance with current United States of America and EU Cookie Law.
12.4. When you first visit Our site and periodically thereafter, cookies are placed on your computer or device, subject to section 12.5 and/or section 12.8, you will be shown a cookie banner requesting your consent to set those Cookies. You may consent to the cookies or not consent. However, your consent is explicitly implied if you continue to use Our site. By giving your consent to the placing of Cookies you are enabling Us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of Our Site may not function fully or as intended. You will be given the opportunity to allow only first party Cookies and block third party Cookies.
12.5. Certain features of Our Site depend on Cookies to function. The United States and EU Cookie Law deem these Cookies to be “strictly necessary”. These Cookies are shown below in section 12.6. Your consent will not be sought to place these Cookies. You may still block these Cookies by changing your internet browser’s settings as detailed below in section 12.10, but please be aware that Our Site may not work as intended if you do so. We have taken great care to ensure that your privacy is not at risk by allowing them.
12.7. Our Site uses analytics services provided by SquareSpace, Sumo and Google. Website analytics refers to a set of tools used to collect and analyse usage statistics, enabling Us to better understand how people use Our Site. This, in turn, enables Us to improve Our Site and the products, services and information offered through it. You do not have to allow Us to use these Cookies, as detailed below, however while Our use of them does not pose any risk to your privacy or your safe use of Our Site, it does enable Us to continually improve Our Site, making it a better and more useful experience for you.
12.8. The analytics service(s) used by Our Site use(s) Cookies to gather the required information. Certain of these Cookies may be placed immediately when you first visit Our Site and it may not be possible for Us to obtain your prior consent. You may remove these Cookies and prevent future use of them by following the steps set out below in section 12.10.
12.9. The analytics service(s) used by Our Site use(s) use various types of cookies to determine things like which device you’re accessing Our site from, how long you visit Our site, how often you visit, and which pages you visit.
12.10. You can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all cookies or only third party cookies. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.
12.11. You can choose to delete Cookies at any time however you may lose any information that enables you to access Our Site more quickly and efficiently including, but not limited to, login and personalisation settings.
12.12. It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings.
13. Summary of Your Rights under GDPR
Under the GDPR, you have:
13.1. the right to request access to, deletion of or correction of, your personal data held by Us;
13.2. the right to complain to a supervisory authority;
13.3. be informed of what data processing is taking place;
13.4. the right to restrict processing;
13.5. the right to data portability;
13.6. object to processing of your personal data;
13.7. rights with respect to automated decision-making and profiling (see section 14 below).
14. Automated Decision-Making and Profiling
14.1 In the event that We use personal data for the purposes of automated decision-making and those decisions have a legal (or similarly significant effect) on You, You have the right to challenge to such decisions under GDPR, requesting human intervention, expressing their own point of view, and obtaining an explanation of the decision from Us.
14.2 The right described in section 14.1 does not apply in the following circumstances:
a. The decision is necessary for the entry into, or performance of, a contract between the You and Us;
b. The decision is authorized by law; or
c. You have given you explicit consent.
14.3. Where We use your personal data for profiling purposes, the following shall apply:
a. Clear information explaining the profiling will be provided, including its significance and the likely consequences;
b. Appropriate mathematical or statistical procedures will be used;
c. Technical and organisational measures necessary to minimise the risk of errors and to enable such errors to be easily corrected shall be implemented; and
d. All personal data processed for profiling purposes shall be secured in order to prevent discriminatory effects arising out of profiling.
14.4. We currently make the following automated decisions:
a. To determine your location for purposes of complying with the GDPR;
b. To determine your location for purposes of proper list segmentation for purposes of complying with the GDPR;
c. To deliver emails at appropriate times, as determined by your time zone.
If you have any questions about Our Site or this Privacy and Cookies Policy, please contact Us by email at Team@ChristineParma.com, by telephone at +001 971-217-7535, or by post at PO BOX 4017, Beaverton, OR 97075 USA. Please ensure that your query is clear, particularly if it is a request for information about the data We hold about you (as under section 11, above).