🎙️ Welcome back to the Sweat Your Assets Podcast!

In today’s episode, we’re diving into a timeless—and often debated—topic in the world of investing: When is the right time to buy or sell your investments?

Inspired by the sharp insights of Howard Marks, co-founder of Oaktree Capital and one of the most respected voices in the investment community, we’ll go far beyond the classic cliché of “buy low, sell high.” Even Warren Buffett has sung Marks’ praises, and for good reason—his memos consistently offer a masterclass in market thinking.

In this episode, we’ll break down some of the most compelling takeaways from Marks’ recent memo, including:

• 🔄 Why selling isn’t always simple—and the emotional and psychological traps investors fall into whether markets are up or down.
• 📉 The risks of selling just to “take profits” or out of panic during downturns.
• 🧠 Marks’ framework for when selling makes sense, with a focus on relative selection and opportunity cost.
• ⏱️ The myth of market timing—and why a long-term perspective is often your best ally.
• 🎯 A thoughtful look at portfolio concentration vs. diversification, based on a fascinating discussion between Howard Marks and his son Andrew.
• 📈 The surprising power of just staying invested—and how compounding over time can beat even the cleverest timing strategies.

If you’ve ever wrestled with when to hit that buy or sell button, this episode is for you. Tune in for a grounded, strategic discussion rooted in the wisdom of one of the greatest minds in investing.

Let’s sweat those assets together—and make smarter, calmer investment decisions.

Disclaimer: this episode was produced as an edutainment resource. While the contents are based on a blog post article, the discussion and narration have been generated using AI tools. The purpose of this podcast is to inform and engage, but listeners should be aware that the dialogue is AI-assisted and may not fully reflect Sweat Your Assets opinions or real-time updates. Contact the office for customized guidance.

Hosted on Acast. See acast.com/privacy for more information.

🎙️ Get ready to Sweat Your Assets with a brand-new episode of Diary of a Financial Coach, right here on the Sweat Your Assets Podcast!

In today’s deep dive, we’re exploring the powerful concept of Financial Fitness, as introduced by none other than Shannon McLay—the expert who turned her own journey from "financially fat" corporate professional to wealth management advisor into a framework for financial transformation.

We’ll unpack the compelling idea that your financial health is just as vital as your physical health—and how neglecting one can have a serious impact on the other. Ever wondered how your money habits affect your stress levels, diet, or even your sleep? You’re not alone.

This episode is all about helping you understand where you currently stand on your financial fitness journey. Are you:

• Financially Fit – a savvy saver living within your means?
• Financially Skinny – stuck in the paycheck-to-paycheck grind?
• Financially Fat – overspending, undersaving, and possibly buried in debt?

Whatever your starting point, this episode offers clear, practical steps to move forward. We’ll cover:

• 🔍 The three types of financial fitness—and why knowing where you stand is the first step toward change.
• 📝 How to define your true life needs and wants by creating your own Financial Fitness List—a tool to help you align your spending with what really matters.
• 🛠️ Tailored action steps for each type—whether it’s learning to spend with more joy, breaking the paycheck cycle, or tackling overspending head-on.

🎧 So tune in to Diary of a Financial Coach and take the first step toward a healthier, happier financial life. It's time to train your way to wealth—because financial fitness is a muscle worth building.

• Blog Article: https://sweatyourassets.biz/train-your-way-to-financial-fitness/

Disclaimer: this episode was produced as an edutainment resource. While the contents are based on a blog post article, the discussion and narration have been generated using AI tools. The purpose of this podcast is to inform and engage, but listeners should be aware that the dialogue is AI-assisted and may not fully reflect Sweat Your Assets opinions or real-time updates. Contact the office for customized guidance.

Hosted on Acast. See acast.com/privacy for more information.

📢 Get ready to grow your financial knowledge with the latest episode of Sweat Your Assets! 🎧

In this brand-new episode, we're digging into the surprisingly insightful world of agriculture to cultivate a better approach to investing. Ever thought about the similarities between tending a field and managing your portfolio? 🌱💰

We explore the concept of "Investing Like a Farmer," drawing parallels between the timeless practices of farming and successful wealth management. Just as farmers understand cycles and seasons, investors can benefit from recognising the patterns in financial markets

Tune in to discover:

• How the crop cycle mirrors the investment journey, from preparation to harvest
• Why patience and a long-term vision are as crucial in investing as they are in farming
• The importance of diversification, akin to a farmer planting different crops to manage risks
• How to nurture your investments and weed out underperformers, just like tending to a field

Ready to sow the seeds for a more robust financial future?

Tune into the new episode of Sweat Your Assets to learn how adopting a farmer's mindset can help you cultivate wealth with patience and strategy!

Other suggested links on this topic:

• Post article: https://sweatyourassets.biz/invest-like-a-farmer/
• YouTube Video: https://www.youtube.com/watch?v=A2NNO4M9Ju4

Disclaimer: this episode was produced as an edutainment resource. While the contents are based on a blog post article, the discussion and narration have been generated using AI tools. The purpose of this podcast is to inform and engage, but listeners should be aware that the dialogue is AI-assisted and may not fully reflect Sweat Your Assets opinions or real-time updates. Contact the office for customized guidance.

Hosted on Acast. See acast.com/privacy for more information.

Hey there, and welcome back to Sweat Your Assets, the podcast that helps you take control of your financial future—one smart decision at a time.

Today, our hosts, Sem and Ana, are diving into one of the most important but often misunderstood questions in the world of finance: Are you investing, speculating, or gambling?

Whether you're buying stocks, flipping crypto, or just curious about your financial moves, it’s crucial to know what game you’re actually playing. Because the rules, the risks—and especially the odds—are very different.

🔍 In this episode, we’ll break down:

💡 The key differences between investing, speculating, and gambling.

⚠️ The risks, time horizons, and expected outcomes of each approach.

🎯 How to make sure your strategy aligns with your goals—not just your gut.

📌 Want to go deeper?

Check out our blog post and free tools at https://sweatyourassets.biz to help you build a strategy that matches your goals and risk profile.

And don’t forget to subscribe to this podcast—so you never miss an episode that helps you grow, protect, or sweat your assets.

#investingvspeculation #financialliteracy #sweatyourassets

🎙️ Disclaimer:

This episode was created as an edutainment resource. While it’s based on Sweat Your Assets blog posts and external reports, the discussion and narration have been generated using AI tools. The goal of this podcast is to inform and engage, but listeners should be aware that the dialogue may not fully reflect real-time updates or the official opinions of Sweat Your Assets. For customized financial guidance, feel free to reach out to our team.

Hosted on Acast. See acast.com/privacy for more information.

Hey there, and welcome back to Sweat Your Assets, the podcast that helps you take control of your financial future, one smart decision at a time. Today, Sem and Ana dive into Global Money Week—a worldwide initiative dedicated to equipping young people with the financial skills they need to thrive.

Did you know that Global Money Week recently celebrated its 12th anniversary? Organized by the OECD and the International Network on Financial Education (INFE), this campaign emphasizes the importance of teaching financial literacy early on—because the sooner young people start learning about money, the better equipped they are to make informed decisions, build financial resilience, and secure a brighter future.

In this episode, we’ll explore:

💡 Why financial education for youth is more critical than ever.

🌍 How policymakers and organizations around the world are working to improve financial literacy.

📢 Ways you can get involved and spread the message of smart money management.

If you’re passionate about financial education and want to access more resources, visit https://sweatyourassets.biz/financial-education-in-school/

And don’t forget to subscribe to the podcast so you never miss an episode!

#globalmoneyweek2025

#gmw2025

#financialeducation

Disclaimer: this episode was produced as an edutainment resource. While the contents are based on Sweat Your Assets blog posts and external reports, the discussion and narration have been generated using AI tools. The purpose of this podcast is to inform and engage, but listeners should be aware that the dialogue is AI-assisted and may not fully reflect Sweat Your Assets opinions or real-time updates. Contact the office for customized guidance.

Hosted on Acast. See acast.com/privacy for more information.

🎙️ Welcome to Another Episode of the Sweat Your Assets Financial Diary!

Investing can feel like a treasure hunt—everyone wants to find the smartest opportunity, the next big thing, or an exclusive deal. But here’s the hard truth: by the time you realize you’ve walked into a financial trap, it’s often too late.

Instead of chasing the impossible, let's take a page from Warren Buffett’s playbook:

“Rule number one: never lose money. Rule number two: don’t forget rule number one.”

His longtime partner, Charlie Munger, put it even more bluntly:

“It’s remarkable how much long-term advantage people like us have gotten by trying to be consistently not stupid, instead of trying to be very smart.”

So today, we’re not here to find the next golden opportunity. We’re here to learn how to avoid being the next victim.

Join me as we explore some of history’s most infamous financial frauds, from Charles Ponzi’s original pyramid scheme to Bernie Madoff’s multi-billion dollar deception.

These cases weren’t just the work of criminals—they thrived because of weak financial controls, unchecked investor greed, and a dangerous lack of financial education.

If you want to bulletproof your investments, you need to know what to watch out for.

🔎 Rule #1: If it sounds too good to be true, it probably is. Stay away.

🔎 Rule #2: Never invest in something you don’t understand.

So, grab a coffee and let’s dive into the world of financial fraud—so you can spot the red flags before it’s too late.

💡 And don’t forget—subscribe to our Monthly Newsletter to stay ahead with smart financial insights.

If you want to dig deeper, check out detailed article.

Let’s get started! 🚀

Alessandro BARONI - Sweat Your Assets

Disclaimer: this episode was produced as an edutainment resource. While the contents are based on a blog post article, the discussion and narration have been generated using AI tools. The purpose of this podcast is to inform and engage, but listeners should be aware that the dialogue is AI-assisted and may not fully reflect Sweat Your Assets opinions or real-time updates. Contact the office for customized guidance.

Hosted on Acast. See acast.com/privacy for more information.

Hello, and welcome back to another episode of Sweat Your Assets, your go-to podcast for mastering personal finance and building financial freedom. In today’s Financial Diary edition, we’re diving into a classic and highly influential book on personal finance: The Automatic Millionaire by David Bach.

This book has been a game-changer for many readers looking to take control of their financial future in an easy and stress-free way. Bach presents a no-nonsense, common-sense system that makes wealth-building automatic—eliminating the need for strict budgeting, extreme discipline, or chasing get-rich-quick schemes. He shows how small, consistent habits can lead to big financial results over time.

In this episode, we’ll break down the key principles of The Automatic Millionaire and explore how you can apply them in your own life, regardless of where you live or how much you earn. Here’s a sneak peek at what we’ll cover:

📌 The Core Philosophy – Why you don’t need to be rich, disciplined, or self-employed to become financially free. 📌 The Power of Paying Yourself First – The single most important step to building wealth, no matter your income. 📌 The Latte Factor – Discover how small daily expenses could be holding you back from financial success and how tiny adjustments can make you a millionaire. 📌 Automating Your Finances – How setting up automatic savings and investments removes the stress of money management. 📌 The Importance of Homeownership – Why buying a home and paying it off early is a cornerstone of financial security. 📌 Smart Investing & The Sleep Well at Night Factor – Strategies to grow your money while maintaining peace of mind. 📌 Debt-Free Lifestyle – How to eliminate bad debt and avoid the traps of consumerism. 📌 Giving Back & The Bigger Picture – Why wealth isn’t just about money but also about contribution and purpose.

The beauty of Bach’s approach is its simplicity—his strategies don’t require complicated planning or financial expertise, just small, intentional actions taken consistently over time. If you’ve ever wondered how some people seem to build wealth effortlessly, this episode is for you!

So, stay tuned as we unpack The Automatic Millionaire and share insights on how to apply these powerful principles to your financial journey. Don’t forget to subscribe and share this episode with anyone who could use a little financial wisdom in their life.

Tune in now! And if you want to go deeper, check out the full blog post here.

Stay ahead with our best financial insights! Subscribe to our Monthly Newsletter today! 📩✨"

Alessandro BARONI - Sweat Your Assets

Disclaimer: this episode was produced as an edutainment resource. While the contents are based on a blog post article, the discussion and narration have been generated using AI tools. The purpose of this podcast is to inform and engage, but listeners should be aware that the dialogue is AI-assisted and may not fully reflect Sweat Your Assets opinions or real-time updates. Contact the office for customized guidance.

Hosted on Acast. See acast.com/privacy for more information.

Welcome to a new episode of the Sweat Your Assets Podcast – Financial Diary Edition!

What Does "Sweating Your Assets" Mean? Sweating your assets is about optimizing or maximizing the use and value of the resources you already have—whether they are physical, financial, or intellectual. Instead of constantly seeking new acquisitions or investments, the idea is to:

1. Take full stock of what you have.
2. Avoid waste of resources and assets.
3. Make the most of what is already at your disposal before looking elsewhere

Tune in now! And if you want to go deeper, check out the full blog post here.

Enjoy the Episode!

Stay ahead with our best financial insights! Subscribe to our Monthly Newsletter today! 📩✨"

Sweat Your Assets - Alessandro BARONI

Click here to subscribe for free to my monthly Digest.

Disclaimer: this episode was produced as an edutainment resource. While the contents are based on a blog post article, the discussion and narration have been generated using AI tools. The purpose of this podcast is to inform and engage, but listeners should be aware that the dialogue is AI-assisted and may not fully reflect Sweat Your Assets opinions or real-time updates. Contact the office for customized guidance.

Hosted on Acast. See acast.com/privacy for more information.

Welcome to a new episode of the Sweat Your Assets Podcast – Financial Diary Edition! What if I told you that one of the most successful investment funds in the world isn’t owned by billionaires or hedge fund managers—but by an entire country?

In today’s episode, we dive deep into the Biggest Wealth Fund in the World—Norway’s Sovereign Wealth Fund. We’ll explore what makes this financial powerhouse so successful and, more importantly, what everyday investors can learn from its strategy.

Norway is famous for its breathtaking fjords, but for investment enthusiasts, its real gem is the Norwegian Oil Fund—a global financial titan built from the country’s oil revenues. Managed with world-class transparency and expertise, this fund isn’t just about growing wealth; it’s a masterclass in long-term investing, diversification, and smart asset allocation.

Unfortunately, you can’t invest in it directly—it belongs to the Norwegian government. But that doesn’t mean you can’t study its strategies, analyze its investment choices, and apply its best practices to your own portfolio. From equities and bonds to real estate, we’ll break down how this fund operates, how it thrives in uncertain markets, and what key takeaways individual investors can use.

Ready to learn from one of the world’s most successful investment models? Tune in now! And if you want to go deeper, check out the full blog post here.

Enjoy the Episode!

Sweat Your Assets - Alessandro BARONI

Click here to subscribe for free to my monthly Digest.

Disclaimer: this episode was produced as an edutainment resource. While the contents are based on a blog post article, the discussion and narration have been generated using AI tools. The purpose of this podcast is to inform and engage, but listeners should be aware that the dialogue is AI-assisted and may not fully reflect Sweat Your Assets opinions or real-time updates. Contact the office for customized guidance.

Hosted on Acast. See acast.com/privacy for more information.

Welcome to a new Financial Diary Episode of Sweat Your Assets Podcast.

In today´s episode, we discuss about Money!

At first, Money sounds like an easy concept. In our daily lives, we talk about money in different ways.

We earn Money. We spend Money. We invest money. We rely on money to measure wealth, assign value to assets, and determine the costs of goods and services. Money, a concept and technology ingrained in our daily lives, serves various purposes.

In economics, money is broadly defined as a medium of exchange for goods and services. While technically anything can be considered money, the most widely accepted forms today are paper banknotes, metallic coins, and credits backed by banks. But Money is much more than that.

To effectively discuss, manage, and master money, wealth, and financial freedom, I feel it is essential to understand what money is by examining its three functions, five types, and seven properties. I will then cover the Money Supply and its four measurements.

If you want to dig deeper, check out the full blog post here.

Enjoy the episode and...Sweat Your Assets.

Click here to subscribe for free to my monthly Digest.

Disclaimer: this episode was produced as an edutainment resource. While the contents are based on a blog post article, the discussion and narration have been generated using AI tools. The purpose of this podcast is to inform and engage, but listeners should be aware that the dialogue is AI-assisted and may not fully reflect Sweat Your Assets opinions or real-time updates. Contact the office for customized guidance.

Hosted on Acast. See acast.com/privacy for more information.

Welcome to a New Financial Diary series of the Sweat Your Assets podcast.

In this episode 19, Ana and Sem - hosts of Sweat your Assets Podcast discuss 4 vivid analogies to describe Financial Markets, and how to better cope with their swings, sentiments and volatility.

The analysis is based on Alessandro Baroni´s Sweat Your Assets´Post: 4 Ways to Look at Financial Markets.

Enjoy this episode.

Sweat Your Assets!

Click here to subscribe for free to my monthly Digest.

Hosted on Acast. See acast.com/privacy for more information.

Welcome to a New Financial Diary series of the Sweat Your Assets podcast.

In this episode 18, Ana and Sem - hosts of Sweat your Assets Podcast - comment ECB President Lagarde envisage to boost Innovation and Investments in Europe. The analysis is based on Alessandro Baroni´s Sweat Your Assets Post.

On December 4 2024, the President of the European Central Bank published an article in the Economist highlighting some differences in saving and investing practices between Europe and the US while showing a road map for improvement. I´ve found Christine Lagarde’s analysis truly educational for any Investor wondering where to allocate savings and investments. It shows the crucial role of alternative investment (private equity and venture capital) and what to expect from the European market in the coming decades. 

Enjoy this episode.

Sweat Your Assets!

Click here to subscribe for free to my monthly Digest.

This episode was produced as an edutainment resource. While the contents are based on a blog post article, the discussion and narration have been generated using AI tools. The purpose of this podcast is to inform and engage, but listeners should be aware that the dialogue is AI-assisted and may not fully reflect Sweat Your Assets opinions or real-time updates. Contact the office for customized guidance.

Hosted on Acast. See acast.com/privacy for more information.

Welcome to a New Financial Diary series of the Sweat Your Assets podcast.

In this episode 17, we look into How Wealth is distributed, accumulated and invested across different Asset Classes.

On your journey to financial freedom, you will accumulate, protect, and grow wealth by investing across multiple asset classes. While financial analysis of individual assets is widely available, visualizing and quantifying global wealth across assets is far more challenging due to a lack of consolidated data.

Looking at your Net Worth, which asset classes compose your investment portfolio? Resident Real Estate? Public Equities? Gold? Crypto?

Each asset class plays a distinct role in an investment portfolio, depending on your strategy and risk profile. While portfolio construction is beyond today’s scope – I covered that topic in My Personal Asset Allocation – having a clear understanding of global wealth markets—and the alternatives available—provides essential context for informed decision-making. 

Gaining a bird’s-eye view of the global market by asset class is like adding a map to your financial journey—an invaluable tool for navigating and managing diversified portfolios across multiple asset classes.

Reference to mentioned Data and Graphs is availaible at: https://sweatyourassets.biz/global-wealth-across-assets/

Enjoy this episode.

Sweat Your Assets!

This episode was produced as an edutainment resource. While the contents are based on a blog post article, the discussion and narration have been generated using AI tools. The purpose of this podcast is to inform and engage, but listeners should be aware that the dialogue is AI-assisted and may not fully reflect Sweat Your Assets opinions or real-time updates. Contact the office for customized guidance.

Click here to subscribe for free to my monthly Digest.

Hosted on Acast. See acast.com/privacy for more information.

Hello and welcome to "Sweat Your Assets," the podcast that helps you navigate the world of finance.

In this episode 16, we're tackling a topic that's both intriguing and often a source of frustration: market predictions. We’re constantly bombarded with forecasts about the stock market and interest rates, but just how reliable are they? Let's dive in and find out !

We will argue how forecasts can be part of a helpful learning process about market cycles, economic dynamics, historical trends, human sentiment, and statistics.

Rather than relying solely on forecasts for investment inspiration, we should build resilient portfolios that can withstand various scenarios based on our unique financial needs and risk-reward profile.

You can access the Sweat Your Assets Post, with its data and graph at: https://sweatyourassets.biz/why-market-predictions-fail-and-that-is-ok/

Enjoy the episode, hosted by Sem and Ana.

Sweat Your assets

Click here to subscribe for free to my monthly Digest.

This episode was produced as an edutainment resource. While the contents are based on a blog post article, the discussion and narration have been generated using AI tools. The purpose of this podcast is to inform and engage, but listeners should be aware that the dialogue is AI-assisted and may not fully reflect Sweat Your Assets opinions or real-time updates. Contact our office for customized guidance.

Hosted on Acast. See acast.com/privacy for more information.

In today´s episode of Sweat Your Assets, we will hear Monish Pabrai's Finance & Investing lecture.

Monish runs the numbers to show the power of compound interest, the real engine of wealth; he shows how everyone could become wealthy when he/she retires.

Content:

1) Compounding. The eighth wonder of the world

2) The Manhattan deal

3) The Millionaire Librarian

4) Why is everyone not wealthy?

5) My daughter

6) Time is Key

• To watch the lecture, check out my YouTube video: https://youtu.be/lvEpNJ81Lnc?si=KtV7tloelbFbnTrW
• To download the PDF presentation, visit my website: https://sweatyourassets.biz/

Please stay tuned for other timeless wisdom to encourage personal and financial growth.

Until next time,

Sweat Your Assets

Alessandro BARONI

Click here to subscribe for free to my monthly Digest.

Hosted on Acast. See acast.com/privacy for more information.

In today´s episode of Sweat Your Assets, we will hear an extract of the Roger Federer´s commencement speech at Dartmouth University in 2024, where he distills 3 lessons for life.

Federer is not only a fantastic champion celebrated for his graceful playing style, exceptional sportsmanship, and longevity at the highest level of the sport. Federer's influence extends beyond the tennis court; he is known for his philanthropic efforts and for being a global ambassador for the sport. He is also soft spoken and humble leader. In 2022, Federer announced his retirement from professional tennis, leaving behind an extraordinary legacy as a player, role model, and humanitarian.

In today´s speech he is clearly very excited, and emotional in addressing his classmates of 2024.

Enjoy it.

______________________________

Thank you for listening to episode 14 of the Sweat Your Assets Podcast. Stay tuned for other timeless wisdom to inspire your personal and financial growth.

You can access the full speech of Federer on my Blog Post: https://sweatyourassets.biz/three-lessons-for-life-by-roger-federer/

Until next episode, Sweat Your Assets!

Click here to subscribe for free to my monthly Digest.

Hosted on Acast. See acast.com/privacy for more information.

Welcome to Sweat Your Assets, a podcast boosted with practical wisdom to help you master your personal and financial growth.

I’m Alessandro Baroni, and in today’s episode number 13, I will talk about Charlie Munger, and share my favorite Charlie’s quotes of all times!

Charlie Munger died on November 28, 2023, at age 99. He’s the lesser-known half of the team that built Berkshire Hathaway. Still, he was the most colorful of the pair.

Thanks to his witty, no-BS comments, it is always a treat to read or listen to Charlie’s interviews. For sure, there will be times, when we will ask ourselves: what would Charlie have said about it?

Despite his financial success, It might be Munger’s multidisciplinary mindset that offers the greatest lesson. He dedicated his life to learning and improving one day at a time — compounding wisdom. And he generously shared so much of it over the years. He was a teacher, above all else, for anyone open to learning.

His articles and speeches are pretty long and dense. Still, it is possible to isolate brilliant thoughts that summarize his humor and cunning spirit. Check out a collection of my favorite Charlie’s quotes of all time.

Enjoy the Episode!

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This is episode 12 of Sweat Your Assets, a podcast boosted with practical wisdom to help you master your personal and financial growth.

In today’s episode, I comment on why you should be your own Chief Financial Officer.

Happy listening!

You can subscribe to the Podcast to receive notifications on new episodes.

Until next time, Sweat Your Assets!

Click here to subscribe for free to my monthly Digest.

Hosted on Acast. See acast.com/privacy for more information.

Welcome to Sweat Your Assets, a podcast boosted with practical wisdom to help you master your personal and financial growth.

I’m Alessandro Baroni, and in today’s episode number 11, I share a timeless speech of Charlie Munger at his best!

The lecture – given at Harvard University back in 1995, is known as the "25 Cognitive Biases".

It covers Munger's mindset on decision-making and analysis. I am sure you will find these notions extremely valuable, not only in Investing but in any human endeavor.

Enjoy!

Click here to subscribe for free to my monthly Digest.

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Welcome to Sweat Your Assets, a podcast boosted with practical wisdom to help you master your personal and financial growth.

I’m Alessandro Baroni, and in today’s episode number 10, I look at Kipling’s timeless poem — an exquisite but powerful call to stand apart and build a strong mindset: the foundation for your personal and financial growth.    

English actor Michael Caine reads the poem. In an interview, he mentioned it is one of his favorite poems. I hope it becomes one of your favorites, too.

Until next time, Sweat Your Assets!

Click here to subscribe for free to my monthly Digest.

Hosted on Acast. See acast.com/privacy for more information.