Mahi Sall, Advisor, Fintech-Bank Partnerships, Payments and Financial Inclusivity
January 25th, 2023
Mahi Sall is the CEO & Founder of FinXpair, a Berlin-based strategic advisory boutique firm focu[...]
Shaquille O’Neal Joins Steady; Company Raises $9 Million in Series A Round of Funding from Leading Fintech Investors
Digital Journal PR | Aug 7, 2018
ATLANTA--(Business Wire)--Steady, the income-building platform for the Build-Your-Own (BYO) workforce is already serving 100,000 Americans since it launched last week. The company, which today delivers personalized income-building opportunities, an income tracker, and exclusive relevant discounts, has raised $9 million in Series A financing round led by Propel Venture Partners, with significant participation from Omidyar Network, the impact investing firm established by Pierre Omidyar, the founder of eBay. The funds raised in this round will be used to rapidly scale and extend product features. Other investors include 25Madison, Clocktower Ventures, and Commerce Ventures. Shaquille O’Neal has joined the team as an Advisor and Advocate for the BYO workforce.
“The traditional 9-5 career path doesn’t work for everyone, and we’re seeing more and more people set out to make their own way. Steady sees and serves this group, giving them the tools to discover new job opportunities, and the resources to earn more money and take control,” said Shaquille O’Neal. “Helping hardworking folks do and get more is an important mission and I’m excited to be part of it.”
Work is changing. Full-time jobs are giving way to more flexible arrangements—shift work, part-time contracts, gigs, and an endless combination of these—that create income uncertainty; retirement resources aren’t cutting it for millions of Americans; and the resulting income mix throws people’s relationship to banks and financial products out of balance. Enter Steady.
See: A U.S. Perspective: Can Canadian Alternative Finance Contend?
“In today’s America, the single, upward career path is a false notion for too many people. A long-term, consistent, path of ascension just isn’t attainable in most industries. People need to create their own,” said Steady co-founder and lead seed round investor Michael Loeb, from Loeb Enterprises.
“Steady is uniquely built to address a financial health crisis that’s hitting epidemic proportions.”
Steady starts by helping BYO workers easily find and apply to income-building opportunities that match their availability, abilities, and interests. Whether augmenting retirement savings, working around childcare responsibilities, leveraging gig opportunities, or supplementing insufficient income from a primary employer, Steady helps people earn more.
“Today’s workforce faces wage stagnation, underemployment and an increasing cost of living. All this leads to people just not making enough money to live the American Dream, and instead they’re caught in a very vulnerable place,” said Ryan Gilbert, Partner at Propel Venture Partners.
“We’re excited to back Steady in delivering much needed solutions aimed at the root problem—insufficient earnings. If people are to thrive in today’s changing world, a solution like Steady is imperative.” Gilbert and Propel Venture Partners Vice President David Mort will be joining Steady’s Board of Directors.
See: Why Blockchain Is The Future Of The Sharing Economy
The new BYO workforce will be able to rely on Steady to:
- Build income: Discover and apply for extra income opportunities and shifts from large employers, small, and medium businesses and the hottest startups (including the top 40 gig economy players)—filtered by location, interests, availability, and goals, in addition to helping define their overall portfolio of work.
- Build networks: Monitor relevant community activity, learn from peers, uncover new opportunities, and create connections that help maximize earning potential.
- Build buying power: Access a marketplace of exclusive benefits—from essentials such as prescriptions and groceries, and discounts on major expenses such as auto care and telecom.
Continue to the full article --> here
The National Crowdfunding & Fintech Association of Canada (NCFA Canada) is a cross-Canada non-profit actively engaged with cryptocurrency, blockchain, crowdfunding, alternative finance, fintech, P2P, ICO, STO, and online investing stakeholders globally. NCFA Canada provides education, research, industry stewardship, services, and networking opportunities to thousands of members and subscribers and works closely with industry, government, academia, community and eco-system partners and affiliates to create a strong and vibrant crowdfunding and fintech industry. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: ncfacanada.org
 |  |  |
Crowdfund Insider | JD Alois | Jan 30, 2023 Investment crowdfunding, or crowd-sourced funding (CSF) as it is called down under, generated $72 million in online capital formation, according to an industry report. The information is compiled by Birchal, the largest online investment platform in Australia. Birchals has been providing this report for several years now. While a smaller market, Australia continues to grow. In aggregate, since 2018, issuers have raised $219 million for approximately 250 SMEs. Average deal size – $733,000 Average individual investment – $1695 70 securities offerings were over $1 million Total market estimated market cap of firms completing a securities offering at $1.4 billion There have been 50 follow-on securities offerings The largest securities offering to date was for ZeroCo for $5 million (October 2021) See: CCA 2022 Investment Crowdfunding Report: 7 Charts Highlight Growth and Impact The fastest funding round was for Your Mates Brewing in October 2022 at under two hours Birchal reports the bulk of online capital formation for early-stage ventures at 192 offerings raising $144 million In 2022, most issuers were “growth stage” (49%) with greater than $1 million in reported revenue. Pre-revenue startups accounted for 16.5% of the funding activity.The number ...
Read More
Crowdfund Capital Advisors | Sherwood Neiss | Feb 8, 2023 2022 was a challenging year for venture-back companies but there were many silver linings for investment crowdfunding. Last week, Crowdfund Capital Advisors released their 7th annual Year in Review report. 105-page report (our longest yet) contains 100 charts, tables, images, and maps. Pitchbook Angel/Seed deals are trending down while alternative investment crowdfunding deals hit a record high: Pitchbook released the “Q4 Venture Monitor First Look” that breaks down its data. This trendline continues to show an increase in funded deals. As more issuers find it challenging to access capital in 2023, we expect to see them turn online for capital. Investment crowdfunding has bridged the the 'Valley of Death' The average raise since the industry launched has grown to $365K, expanding beyond where the Valley existed previously; $25K to $250K. With the maximum issuers can raise now at $5 million, there is much room for successful issuers to perform follow-on raises to not only get them through the Valley of Death but beyond it. Equity crowdfunding issuers are becoming less risky; the profile of the average successful investment crowdfunding issuer is changing Demographic: They tend to be older, are post-revenue, ...
Read More
Better Dwelling | Daniel Wong | Feb 6, 2023 Reverse mortgage debt has recently surged in growth, with the debt rising at an unusual fast rate for any credit segment. Canadian homeowners aren’t shy about cashing in on their windfall, especially seniors. Regulatory filings with OSFI, Canada’s bank regulator, show reverse mortgage debt surged in November. The outstanding balance rose 5.9% (+$370 million) to $6.7 billion in November. The balance is now 31.0% (+$1.6 billion) higher than a year before. See: Saddled with Rising Rates and Debt, Canadian Borrowers Seek Mortgage Alternatives Reverse mortgages are loans disbursed as lump sum or regular payments, secured by your home equity. It’s similar to a home equity line of credit (HELOC), but the big difference is in repayment—you don’t have to make regular payments or prove you have the debt service capacity. The catch is interest accumulates in the background, eroding the home equity you’ve built up. These loans generally have higher interest rates than traditional HELOCs or mortgage refinancing. The sudden boom for reverse mortgage debt is due to a combination of monetary and demographic factors. Since repayment isn’t required, rising rates are likely allowing the debt to accumulate faster for those ...
Read More
Reuters | Douglas Gillison and David Shepardson | Feb 1, 2023 President Joe Biden on Wednesday unveiled fresh efforts to slash credit card late fees and drive down the prices that Apple Inc and Google parent Alphabet Inc charge on mobile app stores. Speaking at the White House, Biden also called on lawmakers to ban "junk fees" he said jacked up costs for consumer services such as accommodation, concert tickets, mobile plans and air travel, in which officials said air carriers can charge family members extra to be seated next to young children. The move is part of a larger policy drive to promote competition in consumer markets, officials said. Biden, The bottom line is these unfair fees add up. It's a basic question of fairness See: CFPB: US Consumer Agency Announces Open Banking Rule As part of the initiative, the Consumer Financial Protection Bureau on Wednesday proposed a rule to ban "excessive" fees that credit card issuers charge for late payments, something the bureau estimated costs consumers $12 billion a year. The CFPB said the rule would cap late fees at $8, whereas officials estimate they currently average $31, something that could represent as much as $9 billion in ...
Read More
CoinDesk | Brandy Betz | Feb 2, 2023 Analysis shows crypto startups only raised $548 million last month (January 2023) plunging 91% year over year. Venture capital (VC) and other investments in privately held crypto startups amounted to $548 million last month, a huge drop from $6 billion in January 2022, according to data compiled by CoinDesk. The number of transactions shrank to 62 from 166, and most of the 2023 deals were for smaller, early-stage companies. See: FT Partners Jan 2023 Blockchain and Crypto Market Update Report Funding rounds can take months to finalize or close, and some of the investments reflected last month were likely already raising money when the FTX collapse started in early November. The coming months will show exactly how much investment capital dried up after the FTX scandal came to light. FTX’s demise created doubts about the whole centralized exchange (CeFi) model of trading crypto, and persuaded some that decentralized finance (DeFi) and decentralized exchanges (DEX) are the better way forward. CeFi deals sinking 99% to $22.8 million in January 2023. Also, the CeFi firms that managed to raise money had a tie to DeFi. Continue to the full article --> here The National ...
Read More
Bankless Times | Elizabeth Kerr | Feb 1, 2023 There has been a 32.2% decline in the usage of crypto mixers in 2022 Cryptocurrency mixers mix users' coins with others from a large pool. Therefore, making it difficult to trace the source of the funds. As a result, mixers are popular among privacy-conscious investors and criminals. Crypto mixers provide users with a way to anonymize their cryptocurrency transactions. In addition, they allow for funds to be shuffled among multiple addresses, making it harder for third parties or authorities to track the origin of the funds. See: Analysis: Into the Eye of a Tornado | Sanctions Compliance Best Practices for Crypto Businesses Reasons for decline: One possible explanation for the decline is the increase in regulatory scrutiny. Governments worldwide are taking a closer look at the world of cryptocurrency. As a result, many users may be wary of using tools that could attract unwanted attention. Also, the rise of new privacy-focused coins is drawing users away from the mixers. Another factor could be the growth of decentralized finance (DeFi) platforms. These platforms offer similar privacy features without the need for a mixer. DeFi's popularity could be drawing users away from traditional ...
Read More
European Digital SME Alliance | Omar Dhaher | Jan 31, 2023 SME Experts have finalised an SBS guide on blockchain and DLT to raise SMEs’ awareness on how to appropriately use technology, adapt to EU legislation, and maintain consistency to standardisation activities The EU blockchain market is expected to be valued around €59bn by 2028. SMEs can use blockchain to grow their businesses and lead the way in digitalisation and sustainability See: More Fintech Research and Reports To raise awareness and assist SMEs in mastering the use of blockchain technology, a task force of Small Business Standards (SBS) and DIGITAL SME experts have finalised a SBS guide on blockchain and DLT. The intended manual wishes to Illustrate four case scenarios that demonstrate how blockchain: Strengthen overall business sustainability Help SMEs in certify their quality management system Ensure authentication and trust in identification Strengthen policy response to raising and urging geopolitical concerns Continue to the full article --> here Download the 42 page PDF report --> here The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely ...
Read More
Fintech Magazine | Joanna England | Feb 7, 2023 Revolut has rolled out its new crypto feature to 25 million customers, via its financial super app to provide more frictionless crypto trading experiences Revolut launched the crypto feature, called Staking in the UK and EEA, effectively taking another leap forward towards its mission to build the first super app for all-things-money, and is continuing to double-down on its promise to bring greater digital currency services to the banking space. New feature unlocks extra benefits for customers investing in crypto with Revolut, giving them the ability to earn rewards for specific tokens (Ethereum, Cardano, Polkadot, and Tezos). The rewards are granted in the native token and customers can either stake their existing crypto balances for these tokens or buy and then stake the balance of one or more of the four tokens. Customers can set up a ‘stop or limit’ order so they don’t have to time the market or use the Recurring Buy feature to average out volatility. Other features also enable users to round up any spare change in a cryptocurrency of their choice, from a list of close to 100 cryptocurrencies. See: Fintech Revolut Hires Behavioural Team to ...
Read More
David Suzuki Foundation | Jan 26, 2023 Bringing Corporate Purpose into the Mainstream: Directions for Canadian Law concludes that a more solid legal scaffolding for corporate purpose in Canada is necessary and puts forward five key recommendations to make it happen. The idea of bringing corporate purpose into the mainstream through legal reform isn’t new. As the report shows, it’s already happening in places like France and the U.K. Among its recommendations, the report calls for the Canada Business Corporations Act to require a statement of purpose by a corporation’s board of directors (excluding small businesses), a “comply or explain” approach to stating that social purpose and broadening the best interests of the corporation to include impacts on the community. It also suggests amending fiduciary duty of directors and officers requiring them to pursue the purpose of the corporation with a view to its best interests. “Amending director fiduciary duty to stipulate that directors have a duty to pursue the purpose is a game-changing proposal. To put that into effect boards will need to know what the purpose of their corporation is, which arguably is essential for good governance,” says Coro Strandberg, one of the report’s editors and chair of ...
Read More
Guest Post | Feb 7, 2023 You know that the secret to growing your wealth is investing. Investments are the key to unlocking compound growth that can surpass anything you could do by simply setting aside part of your income. But with inflation persistently high, rent and mortgage costs skyrocketing across Canada, and the general cost of living taking a bigger and bigger bite out of your income, it’s getting harder to set anything aside for investing. When your goal is to save as quickly and aggressively as possible, now may be the time to get innovative with your ideas for saving money. #1 Head to the Discount Grocery Store In Canada, the major grocery store companies typically have both high-end and discount chains. You can get many of the same products and produce you’re used to at a lower price by heading to a more budget-friendly grocery store. While a few cents or dollars may not seem like much on each individual grocery item, it adds up at the end of the week, and you don’t have to change the foods you’re used to getting. #2 Buy Your Technology Used Electronics are no longer a luxury in most cases ...
Read More
Crowdfund Insider | JD Alois | Jan 30, 2023 Investment crowdfunding, or crowd-sourced funding (CSF) as it is called down under, generated $72 million in online capital formation, according to an industry report. The information is compiled by Birchal, the largest online investment platform in Australia. Birchals has been providing this report for several years now. While a smaller market, Australia continues to grow. In aggregate, since 2018, issuers have raised $219 million for approximately 250 SMEs. Average deal size – $733,000 Average individual investment – $1695 70 securities offerings were over $1 million Total market estimated market cap of firms completing a securities offering at $1.4 billion There have been 50 follow-on securities offerings The largest securities offering to date was for ZeroCo for $5 million (October 2021) See: CCA 2022 Investment Crowdfunding Report: 7 Charts Highlight Growth and Impact The fastest funding round was for Your Mates Brewing in October 2022 at under two hours Birchal reports the bulk of online capital formation for early-stage ventures at 192 offerings raising $144 million In 2022, most issuers were “growth stage” (49%) with greater than $1 million in reported revenue. Pre-revenue startups accounted for 16.5% of the funding activity.The number ...
Read More
Read More
Crowdfund Capital Advisors | Sherwood Neiss | Feb 8, 2023 2022 was a challenging year for venture-back companies but there were many silver linings for investment crowdfunding. Last week, Crowdfund Capital Advisors released their 7th annual Year in Review report. 105-page report (our longest yet) contains 100 charts, tables, images, and maps. Pitchbook Angel/Seed deals are trending down while alternative investment crowdfunding deals hit a record high: Pitchbook released the “Q4 Venture Monitor First Look” that breaks down its data. This trendline continues to show an increase in funded deals. As more issuers find it challenging to access capital in 2023, we expect to see them turn online for capital. Investment crowdfunding has bridged the the 'Valley of Death' The average raise since the industry launched has grown to $365K, expanding beyond where the Valley existed previously; $25K to $250K. With the maximum issuers can raise now at $5 million, there is much room for successful issuers to perform follow-on raises to not only get them through the Valley of Death but beyond it. Equity crowdfunding issuers are becoming less risky; the profile of the average successful investment crowdfunding issuer is changing Demographic: They tend to be older, are post-revenue, ...
Read More
Read More
Better Dwelling | Daniel Wong | Feb 6, 2023 Reverse mortgage debt has recently surged in growth, with the debt rising at an unusual fast rate for any credit segment. Canadian homeowners aren’t shy about cashing in on their windfall, especially seniors. Regulatory filings with OSFI, Canada’s bank regulator, show reverse mortgage debt surged in November. The outstanding balance rose 5.9% (+$370 million) to $6.7 billion in November. The balance is now 31.0% (+$1.6 billion) higher than a year before. See: Saddled with Rising Rates and Debt, Canadian Borrowers Seek Mortgage Alternatives Reverse mortgages are loans disbursed as lump sum or regular payments, secured by your home equity. It’s similar to a home equity line of credit (HELOC), but the big difference is in repayment—you don’t have to make regular payments or prove you have the debt service capacity. The catch is interest accumulates in the background, eroding the home equity you’ve built up. These loans generally have higher interest rates than traditional HELOCs or mortgage refinancing. The sudden boom for reverse mortgage debt is due to a combination of monetary and demographic factors. Since repayment isn’t required, rising rates are likely allowing the debt to accumulate faster for those ...
Read More
Read More
Reuters | Douglas Gillison and David Shepardson | Feb 1, 2023 President Joe Biden on Wednesday unveiled fresh efforts to slash credit card late fees and drive down the prices that Apple Inc and Google parent Alphabet Inc charge on mobile app stores. Speaking at the White House, Biden also called on lawmakers to ban "junk fees" he said jacked up costs for consumer services such as accommodation, concert tickets, mobile plans and air travel, in which officials said air carriers can charge family members extra to be seated next to young children. The move is part of a larger policy drive to promote competition in consumer markets, officials said. Biden, The bottom line is these unfair fees add up. It's a basic question of fairness See: CFPB: US Consumer Agency Announces Open Banking Rule As part of the initiative, the Consumer Financial Protection Bureau on Wednesday proposed a rule to ban "excessive" fees that credit card issuers charge for late payments, something the bureau estimated costs consumers $12 billion a year. The CFPB said the rule would cap late fees at $8, whereas officials estimate they currently average $31, something that could represent as much as $9 billion in ...
Read More
Read More
CoinDesk | Brandy Betz | Feb 2, 2023 Analysis shows crypto startups only raised $548 million last month (January 2023) plunging 91% year over year. Venture capital (VC) and other investments in privately held crypto startups amounted to $548 million last month, a huge drop from $6 billion in January 2022, according to data compiled by CoinDesk. The number of transactions shrank to 62 from 166, and most of the 2023 deals were for smaller, early-stage companies. See: FT Partners Jan 2023 Blockchain and Crypto Market Update Report Funding rounds can take months to finalize or close, and some of the investments reflected last month were likely already raising money when the FTX collapse started in early November. The coming months will show exactly how much investment capital dried up after the FTX scandal came to light. FTX’s demise created doubts about the whole centralized exchange (CeFi) model of trading crypto, and persuaded some that decentralized finance (DeFi) and decentralized exchanges (DEX) are the better way forward. CeFi deals sinking 99% to $22.8 million in January 2023. Also, the CeFi firms that managed to raise money had a tie to DeFi. Continue to the full article --> here The National ...
Read More
Read More
Bankless Times | Elizabeth Kerr | Feb 1, 2023 There has been a 32.2% decline in the usage of crypto mixers in 2022 Cryptocurrency mixers mix users' coins with others from a large pool. Therefore, making it difficult to trace the source of the funds. As a result, mixers are popular among privacy-conscious investors and criminals. Crypto mixers provide users with a way to anonymize their cryptocurrency transactions. In addition, they allow for funds to be shuffled among multiple addresses, making it harder for third parties or authorities to track the origin of the funds. See: Analysis: Into the Eye of a Tornado | Sanctions Compliance Best Practices for Crypto Businesses Reasons for decline: One possible explanation for the decline is the increase in regulatory scrutiny. Governments worldwide are taking a closer look at the world of cryptocurrency. As a result, many users may be wary of using tools that could attract unwanted attention. Also, the rise of new privacy-focused coins is drawing users away from the mixers. Another factor could be the growth of decentralized finance (DeFi) platforms. These platforms offer similar privacy features without the need for a mixer. DeFi's popularity could be drawing users away from traditional ...
Read More
Read More
European Digital SME Alliance | Omar Dhaher | Jan 31, 2023 SME Experts have finalised an SBS guide on blockchain and DLT to raise SMEs’ awareness on how to appropriately use technology, adapt to EU legislation, and maintain consistency to standardisation activities The EU blockchain market is expected to be valued around €59bn by 2028. SMEs can use blockchain to grow their businesses and lead the way in digitalisation and sustainability See: More Fintech Research and Reports To raise awareness and assist SMEs in mastering the use of blockchain technology, a task force of Small Business Standards (SBS) and DIGITAL SME experts have finalised a SBS guide on blockchain and DLT. The intended manual wishes to Illustrate four case scenarios that demonstrate how blockchain: Strengthen overall business sustainability Help SMEs in certify their quality management system Ensure authentication and trust in identification Strengthen policy response to raising and urging geopolitical concerns Continue to the full article --> here Download the 42 page PDF report --> here The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely ...
Read More
Read More
Fintech Magazine | Joanna England | Feb 7, 2023 Revolut has rolled out its new crypto feature to 25 million customers, via its financial super app to provide more frictionless crypto trading experiences Revolut launched the crypto feature, called Staking in the UK and EEA, effectively taking another leap forward towards its mission to build the first super app for all-things-money, and is continuing to double-down on its promise to bring greater digital currency services to the banking space. New feature unlocks extra benefits for customers investing in crypto with Revolut, giving them the ability to earn rewards for specific tokens (Ethereum, Cardano, Polkadot, and Tezos). The rewards are granted in the native token and customers can either stake their existing crypto balances for these tokens or buy and then stake the balance of one or more of the four tokens. Customers can set up a ‘stop or limit’ order so they don’t have to time the market or use the Recurring Buy feature to average out volatility. Other features also enable users to round up any spare change in a cryptocurrency of their choice, from a list of close to 100 cryptocurrencies. See: Fintech Revolut Hires Behavioural Team to ...
Read More
Read More
David Suzuki Foundation | Jan 26, 2023 Bringing Corporate Purpose into the Mainstream: Directions for Canadian Law concludes that a more solid legal scaffolding for corporate purpose in Canada is necessary and puts forward five key recommendations to make it happen. The idea of bringing corporate purpose into the mainstream through legal reform isn’t new. As the report shows, it’s already happening in places like France and the U.K. Among its recommendations, the report calls for the Canada Business Corporations Act to require a statement of purpose by a corporation’s board of directors (excluding small businesses), a “comply or explain” approach to stating that social purpose and broadening the best interests of the corporation to include impacts on the community. It also suggests amending fiduciary duty of directors and officers requiring them to pursue the purpose of the corporation with a view to its best interests. “Amending director fiduciary duty to stipulate that directors have a duty to pursue the purpose is a game-changing proposal. To put that into effect boards will need to know what the purpose of their corporation is, which arguably is essential for good governance,” says Coro Strandberg, one of the report’s editors and chair of ...
Read More
Read More
Guest Post | Feb 7, 2023 You know that the secret to growing your wealth is investing. Investments are the key to unlocking compound growth that can surpass anything you could do by simply setting aside part of your income. But with inflation persistently high, rent and mortgage costs skyrocketing across Canada, and the general cost of living taking a bigger and bigger bite out of your income, it’s getting harder to set anything aside for investing. When your goal is to save as quickly and aggressively as possible, now may be the time to get innovative with your ideas for saving money. #1 Head to the Discount Grocery Store In Canada, the major grocery store companies typically have both high-end and discount chains. You can get many of the same products and produce you’re used to at a lower price by heading to a more budget-friendly grocery store. While a few cents or dollars may not seem like much on each individual grocery item, it adds up at the end of the week, and you don’t have to change the foods you’re used to getting. #2 Buy Your Technology Used Electronics are no longer a luxury in most cases ...
Read More
Read More
Related Posts
Best Insurance Startups to Watch in 2022
Republic Announces $36M Series A to Democratize Access to Investing for Everyone
OurCrowd Closes World’s Largest Equity Crowdfunding Round for Borro
“Is it a Crowd? Is it a Herd? Is it a Problem?” How Informed Startup (Crowd) Investors Really Are
UK Revenue-based Lender, Outfund, raises £115m Series A
The London Hard Fork is a big step towards Ethereum 2.0’s major upgrade
Leave a Reply