Forex Trading

Olo agrees to settle shareholder lawsuit for $9M

Olo currently works with 400 brands across 64,000 restaurant locations, playing an integral part of a chain’s digital ordering channels. Clients include Wingstop, Applebee’s, Chili’s, Denny’s, Five Guys Burgers & Fries, Jamba, Noodles & Company, Shake Shack, Sweetgreen, Red Robin, Dairy Queen, and Cracker Barrel. The company plans to raise $450 million by offering 18 million shares at $25 a share under the NYSE ticker “Olo.” That’s up from a previous range of $16 to $18 a share set earlier this month. To catch full episodes of all The Motley Fool’s free podcasts, check out our podcast center. To get started investing, check out our quick-start guide to investing in stocks.

  1. If approved by a judge, the class-action settlement agreement filed earlier this month would bring a payout for investors who acquired Class A common Olo stock between March 17, 2021 and Aug. 11, 2022.
  2. Unlike third-party delivery providers, Olo’s prime mission is to drive digital orders through a restaurant’s own branded channels.
  3. “Restaurant brands rely on Olo to increase their digital and in-store sales, maximize profitability, establish and maintain direct consumer relationships, and collect, protect, and leverage valuable consumer data,” Olo wrote in its S-1 filing.
  4. Olo’s platform marries restaurants with a vast and complex vendor market.

Think of Olo as having the universal key that unlocks dozens of doors, or tech solutions, used by restaurants. Investors outside the restaurant industry might not know much about Olo, but rest assured they will learn a lot by the end of Olo’s IPO day. The leading online ordering and delivery solution for top restaurant chains like Wingstop makes its stock market launch today. Grow and protect your digital business with our payment platform, proven to drive sales, reduce fraud, and simplify payment processes. Offer a unique, direct ordering experience that gives guests the ability to order now or later from any platform, including Google, using their preferred handoff method. Guests get the freedom of choice, while you maintain full data ownership to power business decisions and growth.

Its Ordering module provides chains a white label direct-to-consumer ordering channel. So when a customer orders pickup from Wingstop’s app or website, Olo is powering that service. A new food tech disruptor is making its Wall Street debut Wednesday. But unlike other recent splashy IPOs like DoorDash, digital ordering platform Olo is flying under the radar.

For every 100 parties seated, Host users save 30 minutes of manual work on average. Get stock recommendations, portfolio guidance, and more from The Motley Fool’s premium services. David and Tom just revealed what they believe are the ten best stocks for investors to buy right now… That’s right — they think these 10 stocks are even better buys. As of December 31, 2019, 44% of Olo’s customers used all three of its modules. Olo’s platform processes an average of about 1.8 million orders a day.

Control your menu, item availability, pricing, and store hours from a single dashboard with brand- and location-level settings. Encourage guests to order more, and more frequently, with upsells, featured items, and LTOs. Olo Inc. disclosed Monday that the expected pricing of its initial public offering has increased to a range of between $20 and $22 a share from between $16 and $18 a share.

New York-based Olo provides online ordering, payments and other services for large restaurant chains. Since going public in March 2021, it has consistently reported double-digit revenue growth, but its stock has yet to recover from the blow of losing Subway. In November, the company announced the departure of another big client, the 1,800-unit Wingstop chain, which is switching to an in-house tech system this year. Olo in New York provides an on-demand interface for palladium trade the restaurant industry, designed to drive digital ordering and delivery for restaurant brands. Easily manage payments at scale using the same platform as your digital ecosystem.Olo Pay works on your behalf to drive direct digital sales, prevent fraud, and streamline day-to-day payment processes. Learn how a fully-integrated, restaurant-centric payment platform can help you drive sales, improve operations, reduce fraud, and simplify day-to-day payment processes.


Unlike third-party delivery providers, Olo’s prime mission is to drive digital orders through a restaurant’s own branded channels. Grow digital orders with confidence, knowing your payment solution can keep up. Built to scale with your brand, Olo Pay offers support for high-volume transactions and flexible payment schedules. Sign up to receive texts from Restaurant Business on news and insights that matter to your brand. Power business decisions, campaigns, and growth with our Guest Data Platform, purpose-built for restaurants.

Founded in 1993, The Motley Fool is a financial services company dedicated to making the world smarter, happier, and richer. The Motley Fool reaches millions of people every month through our premium investing solutions, free guidance and market analysis on, top-rated podcasts, and non-profit The Motley Fool Foundation. The company’s strategy is to work with large, well-capitalized national chains – the “fastest-growing restaurant brands in the industry,” according to Olo’s S-1 filing. Increase direct sales with our secure, fast, and reliable ordering platform, built to integrate with your systems and meet guests where they are. On average, brands see a 108% higher conversion rate with our ordering app. Discover how to maximize your restaurant revenue across channels, unlock actionable guest data, and grow your business with this comprehensive direct ordering ebook.

Enable guests to scan a QR code to access your menu, place an order, and pay for a meal, all from their own mobile device. Keep operations running smoothly by tracking online orders from anywhere in your restaurant—back-of-house with Dashboard or front-of-house with Expo. Monitor performance, process refunds, check order statuses, and more. In DoorDash’s first earnings call on Thursday, the leading third-party delivery operator posted a net loss of $312 million in the fourth quarter of 2020, compared to a loss of $134 million in the same period last year. Thoughtfully greet and serve dine-in and takeout guests with our all-in-one waitlist, reservation, order, and table management tool.

Building a branded online ordering experience shouldn’t be hard.Discover why traditional restaurant brands and virtual concepts rely on our powerful ordering platform to maximize profitability, streamline operations, and meet guests where they are. Olo, Inc. engages in the provision of cloud-based, on-demand commerce platform for multi-location restaurant brands. The company was founded in 2005 and is headquartered in New York, NY. Olo’s platform marries restaurants with a vast and complex vendor market. In totality, Olo’s platform integrates with more than 100 restaurant technology solutions such as POS systems, delivery aggregators, payment processors, and loyalty programs.

Buzzworthy Brands

Shares of Olo Inc. plummeted 32.3% toward a record low in premarket trading Friday, after the restaurant-ordering technology company’s disappointing second-quarter results and outlook prompted Stifel Nicolaus analyst Brad… Olo projects its “addressable market opportunity is $7 billion” as the pandemic fueled the acceleration of new kinds of contactless digital ordering for both dine-in and takeout customers, the company stated in its IPO paperwork. Learn why (and how) leading brands are focusing on building a restaurant tech stack that digitizes every transaction, captures more data, and grows guest lifetime value. Enable direct delivery at scale with all the right controls to streamline operations and enhance the guest experience. Expand your reach with direct and marketplace delivery via our integrated network covering 99.9% of the U.S.

Olo started at buy with $34 stock price target at Truist

Meet the expectations of today’s digital-first guests by offering seamless checkout, digital wallet support, and industry-high authorization rates. That is, until August 2022, when Olo announced that Subway was leaving and downgraded its outlook for the year. The revelation sent Olo’s stock price down by 36%, to $8.26 per share, wiping out more than $480 million of shareholder value. Exchange-traded funds that let investors bet on energy prices and stocks are among the most popular offerings judging by their considerable trading volume, but some of these funds have been slammed by the severe correction…

Customers who use Ordering

Offer Borderless checkout, mobile wallets, and card-on-file support for added convenience. According to the lawsuit, in August 2021, Olo said that there were 74,000 restaurant locations using its technology, including about 15,000 Subway stores, an overall 30% increase from the prior year. The growth helped boost Olo’s stock to an all-time high of more than $45 per share.

This website is using a security service to protect itself from online attacks. There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. Maximize profitability, streamline operations, and meet guests where they are with our powerful ordering platform. Online ordering provider Olo has agreed to pay $9 million to settle a class-action lawsuit brought by shareholders who accused the company of failing to properly disclose the end of its relationship with Subway.

What is fibonacci forex?

Some experts believe that Fibonacci retracements can forecast about 70% of market movements, especially when a specific price point is predicted. However, some critics say that these are levels of psychological comfort rather than hard resistance levels. Every foreign exchange trader will use Fibonacci retracements at some point in their trading career. Some will use them just some of the time, while others will apply them regularly.

After a significant price movement up or down, the new support and resistance levels are often at or near these trend lines. As you may guess, many forex traders use the Fibonacci sequence numbers as a technical analysis tool that helps them identify key levels and find entry and exit levels. Because these are not only “magical,” but they are watched by many forex traders in the market. And, if many forex traders look at the same numbers, then Fibonacci retracements become crucial price levels. Some traders use them to identify potential entry and exit points for trades.

  1. As traders know, history often rhymes in the financial markets, and these time zones help predict potential trend continuations or reversals.
  2. Only risk capital should be used for trading and only those with sufficient risk capital should consider trading.
  3. Just before we get to it, knowing what style of trading fits your personality is crucial to knowing how to use this concept in your overall trading plan.

Perform this task by zooming out to weekly or monthly charts, and placing grids across secular bull and bear markets. The analysis only needs to be performed once as long as price action doesn’t exceed the highs or lows of the long term grids. There’s great synergy between the two applications because price levels uncovered through long-term historical analysis work well with short-term trade preparation, especially at key inflection points. Since currency pairs oscillate between contained boundaries through nearly all economic conditions, these historical levels can impact short-term pricing for decades.

This is obviously a pretty simple concept, and something regularly seen on any chart. Let’s look at a retracement of a recent fall in the value of the GBP/USD (also known as “Cable”) currency pair. Fibonacci retracements are trend lines drawn between two significant points, usually between absolute lows and absolute highs, plotted on a chart. While Fibonacci retracements apply percentages to a pullback, Fibonacci extensions apply percentages to a move in the trending direction. If the price starts rallying again and goes to $16, that is an extension.

But let’s see how you can use Fibonacci retracement levels in your forex trading. The static nature of the price levels allows for quick and easy identification. That helps traders and investors to anticipate and react prudently when the price levels are tested. These levels are inflection points me estafaron como recupero mi dinero where some type of price action is expected, either a reversal or a break. The most commonly used Fibonacci trading in Forex are 38.2%, 50%, and 61.8%. These levels are drawn by identifying a significant price move (swing) on the chart and then measuring the retracement (correction) of that move.


Secondly, below there is an even better confluence of the 78.6% extension level with 111.35, a key historical support level for this pair that I had marked on my chart from the past. To note that the Fibonacci sequence is seen by many as a way of tapping into a mathematical sequence of nature, and as such may be used by traders to their advantage. In the next lesson, we’ll show you what can happen when Fibonacci retracement levels FAIL.

This methodology applies to exits as well, telling forex traders to take profits when the price reaches a retracement level that shows multiple alignments. Start your trade preparation analysis by placing a single grid across the largest trend on the daily chart, identifying key turning points. Next, add grids at shorter and shorter time intervals, looking for convergence between key harmonic levels. Fibonacci grid applications can be roughly divided into two categories, historical analysis and trade preparation. The first category requires an examination of long-term forex trends, identifying harmonic levels that triggered major trend changes.

How To Use Fibonacci To Trade Forex

The price made a low and then went up to make a high between the two points marked with an “X”; it then retraced down 88.6% and bounced off it within a pip. A retracement is when the market moves in one direction and then changes to move back in the opposite direction. The second move in the opposite direction is called the “retracement”.

Fibonacci on Charts – Retracements

Here we’ll examine how not to apply Fibonacci retracements to the foreign exchange markets. Get to know these common mistakes and chances are you’ll be able to avoid making them—and suffering the consequences—in your trading. To start trading using Fibonacci  retracement levels in an uptrend, you need to see whether the price finds support at 38.2% and 50% retracement levels. Fibonacci retracements identify key levels of support and resistance. Fibonacci levels are commonly calculated after a market has made a large move either up or down and seems to have flattened out at a certain price level.

The idea is to go long (or buy) on a retracement at a Fibonacci support level when the market is trending UP. However, as with any trading strategy or tool, there are risks and disadvantages. In Fibonacci, each number is found by adding the two numbers before it.

It is common to see price just falling short or pushing passed a level which can frustrate traders who look at exact levels. With reference to stop and limit orders, traders should give themselves some leeway for potential price fluctuations around the Fibonacci level. The chart below shows an example of this above the 23.6% level (yellow) where bulls are seen pushing price up but quickly reverting back down below the 23.6% level. The 50% level is not technically a Fibonacci level but is often included in charting packages and regarded as an important threshold. This level simply marks half the market move between the initial high and low or vice versa.

Sometimes there might be a swing high which is not the true “beginning” of the movement. In these cases, it is up to you whether to pick the technical recent high or low, or the price from which the strong up or down move seems to have truly begun. Depending on my view on the market, I may use a Fibonacci cluster to place a trade or avoid the cluster if I first need to see it rebound or broken. For example, if I wish to go long, but there is a Fibonacci cluster a few pips away, I will either wait until it is broken, or wait for a better (lower) entry to give myself more room to maneuver.

Traders use Fibonacci retracement levels in conjunction with other technical analysis tools to confirm potential levels of support and resistance. Forex traders use Fibonacci retracements to pinpoint where to place orders for market entry, taking profits and stop-loss orders. Fibonacci levels are commonly used in forex trading to identify and trade off support and resistance levels.

Blow-Off Top: Identifying the Indicators in Technical Analysis

A blow-off top and a swing high may look similar on a chart, but they’re not the same thing. A swing high is a peak that occurs during an uptrend but doesn’t necessarily signal the end of that trend. Blow-off tops, on the other hand, are often the final hurrah in a long uptrend, signaling a likely reversal. After the massive rise, and so many people buying, there is no one left to buy. However, there are lots of people who are panicking to sell, locking in profits, or trying to limit losses. If there’s one person who seems to have the right idea in “Argylle,” it’s, as usual, Samuel L. Jackson.

  1. Volume plays an important role as it indicates the number of shares being traded.
  2. While Blow-Off Tops can present lucrative opportunities, it is important to approach trading with a disciplined mindset, ensuring that risks are managed effectively.
  3. They can observe the significance of these indicators and confirmations in signaling potential market reversals and the subsequent corrections.
  4. These are not isolated events; they happen more times than most people realize.
  5. The movie’s clunky prologue plunges us into his world, as Argylle (Henry Cavill) dances with and then pursues a slinky target (Dua Lipa, whose few minutes in the film may be its best).
  6. The price is now starting to trend back down to a more realistic valuation as mean reversion gets underway.

Early in the year, it traded briefly above $1,000 and briefly below $800, but then started to creep higher out of that range. By September it tested $5,000, and by October it tested $6,000. At this point, the blow-off hadn’t even started, even though the price was already higher by several hundred percent. A blow-off top has several key traits, yet it is only in hindsight that we know if it created an actual top in price.

Learn Scalping

This could mean that current prices may be unsustainable, as the lack of buying and selling pressure makes it difficult for stocks to hold onto their gains. Low volume could also mean that the stock is not actively traded, which may mean it is not as liquid and easily tradeable, so avoid those stocks. Reading volume in stock charts is simply understanding supply and demand. A high volume when a stock price increases means the stock is currently undervalued and is in demand. High volume on stock price decreases means that the stock might be overvalued and is under selling pressure.

How much further can stocks climb before markets encounter the dreaded ‘blow-off top’?

Speculative buying activity becomes prevalent as participants attempt to capitalize on the seemingly unstoppable upward momentum. Blow-off tops are often caused by a combination of speculative trading, market news, and investor psychology. When traders and investors start buying up an asset en masse, it can lead to a rapid price increase, creating a blow-off top.


Look at the progress of the S&P 500 and Russell 2000 from October 2017 through March 2018 in the following graph. It’s important to treat day trading stocks, options, futures, and swing trading like you would with getting a professional degree, a new trade, or starting any new career. Moreover, blow-off tops can be influenced by a range of factors, including market news and economic indicators. Therefore, traders should always do their due diligence and not rely solely on chart patterns. If more shares are being traded than usual, it’s often an indicator that something significant is happening with that asset. However, high trading volume alone doesn’t confirm a blow-off top; it should be considered alongside other indicators.

If you can identify blow-off tops you can better protect your capital and with the right level of skills, profit from the overreaction of other traders. So, the real answer you have to ask yourself is are you good enough that if you were to get back say 70% of your money, can you make up the 30% you loss over 1 or maybe 2 years? If the answer to this is yes, then you will get a better rate of return on your cash by taking the loss and moving on to find more profitable trades. The bottom line is that the move down takes away significant paper profits, to the point that long traders are locked into their losing positions. Now that everyone is drinking the Kool-Aid, this is where the first signs of a blow-off top will emerge.

When the sideline cash is exhausted, there is a sudden reduction in the money people will invest into equities. Demand for high-priced stocks suddenly becomes weak and, as a result, prices drop. The dynamic is one that, to some experts, the markets may be playing out right now.

This article will give you the critical knowledge to help you interpret stock price action. A blow-off top is a pattern on a chart with a steep increase (well over 45 degrees) when excluding other factors, like broad market changes. This includes a high trading volume that fizzles and is followed soon after by an equally rapid decrease that usually has a high volume. This chart pattern will look like a steep volcano cone with a slightly lopped-off tip. By incorporating these indicators and technical analysis tools, traders can increase their ability to identify and confirm the presence of Blow-Off Tops.

Technical analysis is your best friend when it comes to identifying blow-off tops. Brokers and trading platforms often offer various tools and services to help you analyze charts and indices. But remember, while the bottom of a pullback might seem like an opportunity, it could also be a trap. Your account’s performance depends on your ability to read the signs, understand market direction, and make timely exits.

Sell 50% of your holdings, and you will be playing with the casino’s money from then on. If it climbs higher, set a stop at the 50% retracement price, a sell of another 25% (half your remaining) at 60% retracement(set a new stop at 55%), and the rest at 79%. In December, delve into the ‘Forex Market Cybersecurity Impact.’ Explore breaches’ effects on currency markets, investors, and safeguarding strategies.

Falling for FOMO and buying too late can mean huge losses when that price begins dropping and fails to return to previous levels. After the initial sell-off, any counter rally is me estafaron como recupero mi dinero unimpressive with its price or volume. This is aptly named a “Dead Cat Bounce.” And those with long positions will use the reprieve in plummeting prices to unload their holdings.

As always, never put more than you are willing to lose at risk, and good luck with all your trades. The broader market can bring shareholders to their senses, seeing the asset drop and the market not believing in a recovery. Once you’ve got a handle on trading blow-off tops, you might want to explore other strategies like the 3 White Soldiers pattern. This is a bullish candlestick pattern that can signal a reversal of a downtrend, offering a different kind of trading opportunity. To master the 3 White Soldiers trading strategy, dive into this explained 2023 guide.

A volume chart will always show red bars when the stock price has decreased for the day and green bars when the price has risen. The stock here increases from $20 to $38 in the following three months, a 90% increase, but how would we know this was about to happen? Buying when the moving averages crossed over would have been a good option; it would not have provided the full 90%, but it would have produced 40%, which is an excellent result.

What Is an Authorized User on a Credit Card?

primary account means

However, unless you specify a payment method for a specific transaction, the primary account is used by default. Primary account holder is the informal term sometimes used to refer to the initial or main user of a credit card account. Like any account holder, the primary is responsible for the debt, for paying account balances and can make changes to the account. Any secondary users listed on the account are considered authorized users and would not be responsible for paying account balances. The primary account holder may request that the credit card company issue additional cards to authorized users, such as family members.

Next-gen routing solution promises to boost profitability, service levels – Yahoo Finance

Next-gen routing solution promises to boost profitability, service levels.

Posted: Mon, 07 Aug 2023 16:30:00 GMT [source]

If you need to take an authorized user off your account, the CFPB recommends contacting your credit card issuer’s customer service department. “You can also ask the card issuer if you should get a new card with a new number,” the agency says. You can often open a joint account online, and the process is similar to opening an individual account. You choose a bank, select the account to open and provide some personal information.


Those are a few reasons why it’s important for account holders and authorized users to be on the same page when it comes to using credit responsibly. There are risks involved in opening a joint bank account, including the risk that one account owner goes rogue and withdraws all the money, or the risk of collections activity. Joint bank accounts nevertheless have their place and work for a wide range of consumers — especially couples who share household finances. Another thing to consider if you have a joint bank account with someone who isn’t your spouse is gift taxes.

  • You can then sign in to your account online to easily add and choose the level of access for your authorized user.
  • The secondary account holder is referred to as an authorized user, and that person has different responsibilities and requirements.
  • The Jacobs Law, LLC respects your privacy online and will not share your name and contact information with a third party without your consent.

If you deposit a significant sum to a joint bank account and your joint account holder makes a large withdrawal, it may trigger gift taxes. For 2022, the annual gift tax exclusion is $16,000, so the trigger will be pulled only if the joint account holder withdraws more than $16,000 from the account without making any deposits. After you provide the initial deposit, the bank will send the account materials, like debit cards and checks, to both account holders. The process of opening a joint bank account is similar to opening an individual account. You can sign up for a joint account at a bank branch, and many banks and fintech companies allow accounts to be opened online.

Examples of Primary Account Holders

Many credit card issuers do not offer joint accounts at all, which leaves you with limited options. Not to mention the fact that you cannot “purchase” a joint credit account to begin with. PANs support account record keeping and resolution if issues should arise with such account. For that reason, always be careful when giving an authorized user access to your credit card or bank account. You should only become an authorized user on someone else’s credit card if you trust that person to make on-time payments. A joint credit card account works like a traditional credit card, except the account is shared.

primary account means

Authorized users can usually make purchases with a credit card linked to the account. But the primary account holder is responsible for making account payments. A primary account holder is the main user of a credit card or bank account.

How can being an authorized user affect your credit?

Any missed payments on the account can also have a negative impact on the cosigner’s credit. An authorized user gets the benefits of using the credit card without the responsibility for repaying the debt. As the primary account holder on a credit card, you’re responsible for making timely payments and paying down the debt. You also can make changes to the card, such as adding an authorized user to the account or seeking an increase in your credit limit.

If, for example, their credit card is lost or stolen, their maximum liability is $50. If their account number is stolen, but not the physical card, their liability is $0. The primary account holder of a credit card is typically the person whose name is on it. When they apply for a credit card, the issuing bank will generally check their credit reports and credit score to make sure they are a good risk.

What are the types of accounts in banks?

And if you’re a Capital One cardholder, you can easily remove an authorized user by signing in to your account online or through the Capital One Mobile app. If you and your joint account holder are married and file one tax return, all you have to do is include the interest in your tax filing. If you file separately or aren’t married, things get more complex, depending on which state you live in.

  • If you file separately or aren’t married, things get more complex, depending on which state you live in.
  • In order to remove a joint account holder, you almost always have to just completely close that account, so then you end up with a closed account.
  • While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
  • Many banks also allow you to add another person to an existing bank account by contacting the bank and providing all the personal information required.
  • If the primary card holder stops making payments, both individuals will see their credit scores go down.

A primary account number or PAN represents the unique numeric identifier of a payment card that comprises the essential information about the card issuer and the account. Please note that the primary account may vary based on your personal preferences and the specific payment methods you have linked in your Google Pay settings. Chances are you’ve noticed your primary account number every time you’ve taken a look at your credit or debit card.

If you’re wondering who owns the money in a joint bank account, that’s an excellent question. Corbin Blackwell, a financial planner at Betterment, says it’s also one that should lead you to think long and hard before opening a joint account with just anyone. Due to ECOA and Regulation B, the credit bureaus are forced to consider authorized user positions on credit cards, largely because the banks do not distinguish whether an AU is a spouse or not. Therefore, if the credit bureaus weigh an AU position relatively close to the primary position, then a primary position is not much more valuable than an AU position.

primary account means

Those are known as secondary account holders and, in the case of credit cards, also called additional cardholders. The primary account holder is still liable for all charges on the account, including transactions made by both the primary account holder and any authorized users. Sometimes primary account means primary account holders may authorise other parties to use their account. In this case, both the primary and the secondary users of credit or debit cards utilise the same primary account number. The situation differs if business credit card accounts are under consideration.

thoughts on “What is primary account number (PAN) on payment Cards in Nigeria?”

That means doing things like making sure monthly payments are on time and keeping balances low. When an authorized user is added to a credit card account, they’re typically allowed to make charges on the credit card—and might even get their own card. That responsibility still typically falls to the account holder, whether there are other authorized users or not.

The Jacobs Law, LLC respects your privacy online and will not share your name and contact information with a third party without your consent. He is meticulous with his work, detail obsessed, punctual (in fact early, which is rare these days), prepared, and one of the most intelligent people I know. You may end up having to buy jewelry or other products you don’t need in order to open a line of credit through a store club.

A joint savings or checking account offers many everyday banking conveniences, but there are some factors to consider before opening a joint bank account. Then there is the myriad of other reasons that make buying primary tradelines risky or less desirable. For example, primary tradelines cannot legitimately come with any payment history, so it will either appear to be not seasoned or you are probably engaging in some sort of fraud.

Call Now Button