We as a family are starting to prepare ourselves to church plant sometime in the future and we have looked around to see what help would be available for us within the NFI set up.

We have been looking to find a way to increase our understanding of the word of God and how we apply it to our lives and some more practical ideas around what to do in preparation for being church planters.

During our search we came across some interesting information on the Mosaic church in Leeds website where they run a church planting course. The first thing that struck us was what was expected of the participants on the course. These included the following items

Spiritual

·         Spend at least 45 minutes alone with the Lord each day, 7 days a week

·         Have a focused time in the bible 7 days a week

·         Share the gospel as many times  as required through the week

·         Read the bible through in a year

·         Take part in any fasts that are called during the term

·         Be accountable

·         Attend the weekend retreats

Academic

·         Actively listen and take notes during all teaching sessions

·         Read each assigned book in the time allotted

·         Complete all assigned home work  on time – including memory verses and bible study

·         Attend each session of MTS and be on time for all meetings

Church

·         Attend and actively participate in a Mission Group once a week

·         Attend Leadership Fast-Track

·         Spend time with individuals that you are mentoring in their Christian growth

·         Attend the mosaic church monthly prayer meeting

·         Attend Mosaic Church Sunday afternoon celebration Service

Outreach

·         Go on the outreach trips

·         Participate in Mosaic Church outreach events

We have therefore decided where possible to implement these things into your lives. Some of the more church specific ones we cannot do for example we do not run a leadership track in our church but on the whole the others are possible. This must of course fit alongside our work, family, social and church life.

It is going to be a challenge. In addition the chaps at Mosaic were kind enough to forward us the reading list for the course and we are in the process of begging, borrowing and stealing these books to read over the next couple of years. It is an excellent and diverse range of books at I thought I would post it up here for you guys to have a look at.

Bible Study

Systematic Theology – Wayne Grudem

How to read the bible for all its worth – Gordon Fee and Douglas Stuart

Finding Jesus in the old testament – C Wright

The Challenge of Jesus – NT Wright

Commentaries – ‘Everyone’ series - NT Wright

Unlocking the Bible – David Pawson

Discipleship

Passion For Jesus – Mike Bickle

Celebration of Discipline – Richard Foster

The life you’ve always wanted – John Ortborg

The Divine Conspiracy – Dallas Willard

Wild at Heart – John Eldridge

Victory over Darkness – NT Anderson

Everybody’s Normal till you get to know them – John Ortborg

Devotional Classics – Richard Foster & James Smith

Mission

Let the Nations be Glad – John Piper

Building a Contagious Church – Mark Mittelberg

The Mission of God – Christopher Wright

Biographies

Mother Theresa – an authorised biography – Kathryn Spink

Brother Lawrence – The practise of the presence of God

No Well Worn Paths – Terry Virgo

Soul Survivor – Philip Yancey

John Wimber – David Pytches

Confessions of a Reformission Rev. – Mark Driscoll

Blue Like Jazz – Donald Miller

Church Planting

What on earth is the church for? – Dave Devenish

Planting churches in the Postmodern World  - Ed Stetzer

Planting Missional Churches  - Ed Stetzer

Leadership

Courageous Leadership – Bill Hybels

Spiritual Warfare and Prayer

Demolishing Strongholds – David Devenish

Guess we are going to be busy in the future!

Full details can be found here

This response from Terry shows the best side of NFI as a group, their humility and willingness to listen to outside voices and respond to them accordingly.

Mark Driscoll has probably had more impact than any other speaker at an NFI conference  for years and the effects are reverberating around the churches as they take up the challenges. He threw down the gauntlet on a number of different issues and problems within the NFI churches. Some of them were not very pretty. He challenged us as a group on how we meet, where we meet, the time we meet, our doctrine and theology, the relative (in his view) slowness of our church planting, the use of the word ‘Family’, and not honouring the past over the future.

They were big things for a guest to come and say.

Terry with great humility admits that things are not right, how many leaders do that?!?, and then outlines some of the things that are happening / will happen in the future to align NFI up against what Father wants us to do or be.

I hope the leaders across all the churches take note, people pointing out the weaknesses are not always there trying to tear you down. Often they are trying to help you see what Father sees and want to point you onto better things.

I look forward to seeing us growing and changing as the ‘team(s)’ and churches work this through.

Both David Holdens excellent series on Faith and Jeremy Simpkins Evening talks have been recorded. The majority of the seminars have also been recorded.

They can be found at http://www.newfrontiers-north.org.uk/downloads.php

Enjoy

We wrześniu rusza akcja pod nazwą Moja Pierwsza Komórka, organizowana w ramach działań społecznej odpowiedzialności biznesu firmy CenterNet S.A. Celem akcji jest rozpropagowanie zasad racjonalnego używania przez dzieci telefonów komórkowych. Maskotka programu, czyli Fonio pokaże naszym pociechom jak bezpiecznie korzystać z komórki.

Aprobata specjalistów
„Nie sposób ocenić korzyści, jakie niesie ze sobą korzystanie z telefonii mobilnej. Problem pojawia się jednak, jeśli telefon komórkowy jest używany w sposób mało odpowiedzialny lub nawet niebezpieczny.” – mówi Anna Streżyńska, Prezes Urzędu Komunikacji Elektronicznej. Podobne opinie słychać również wśród psychologów i pedagogów. „Brak edukacji w zakresie radzenia sobie z telefonem komórkowym wywołuje wiele nieprzyjemnych konsekwencji zarówno dla dzieci, jak i ich rodziców. Uważam, że konieczne jest, aby dzieci wraz z pierwszą komórką poznawały podstawowe zasady jej używania, co wpłynie na poprawę ich bezpieczeństwa.”– mówi Mariola Błaszczyk, pedagog szkolny.

Opinia badaczy
To stanowisko potwierdzają także naukowcy. „Z prowadzonych przez nas badań wynika, że Polacy bardzo chętnie kupują coraz więcej urządzeń elektronicznych związanych z komunikacją. Dotyczy to również telefonów komórkowych. Kupując komórkę dziecku, nie możemy zapominać, że dajemy mu do rąk narzędzie, które może być wykorzystywane na wiele sposobów, nie zawsze takich, o jakich myśleliśmy podczas zakupu. W ramach tej akcji, chcemy się dowiedzieć więcej o tym, czym dla dziecka jest telefon komórkowy oraz jak uchronić najmłodszych przed różnymi niebezpieczeństwami związanymi z korzystaniem z komórki” – mówi Kuba Antoszewski z instytutu badawczego Millward Brown SMG/KRC.

Fonio
Bohaterem akcji Moja Pierwsza Komórka jest Fonio – postać, która w zabawny sposób przedstawia zasady z zakresu savoir-vivre, bezpieczeństwa oraz odpowiedzialności związanej z posiadaniem telefonu komórkowego. Dzięki temu, niezwykle istotne treści przekazywane są dzieciom w sposób przystępny, ułatwiający ich zrozumienie i zapamiętanie.

Okiem organizatora
„Jesteśmy zdania, że na biznesie spoczywa poważny obowiązek odpowiedzialności społecznej” – mówi Grzegorz Tomczyk, Wiceprezes CenterNet S.A., firmy organizującej akcję. „Chcemy, aby zasady Mojej Pierwszej Komórki stały się pomocnym narzędziem dla rodziców, którzy zdecydowali się na zakup pierwszego telefonu komórkowego dla dziecka.” – dodaje Anna Gołębicka, Dyrektor Marketingu w CenterNet S.A.

Partnerzy i promocja akcji
Konferencja prasowa promująca akcję jest planowana na drugą połowę września 2008 r. Moja Pierwsza Komórka będzie mieć charakter programu opatrzonego własnym logo, z własną stroną internetową i nie będzie on łączył się z działaniami komercyjnymi firmy. Honorowy patronat nad akcją objął Urząd Komunikacji Elektronicznej. Dotychczas – jako główni partnerzy – w akcję zaangażowali się: instytut badawczy Millward Brown SMG/KRC oraz Radio ZET i specjalistyczna sieć sprzedaży sprzętu cyfrowego - firma Vobis. „Cieszymy się, że udało nam się przekonać naszych partnerów do współpracy” – mówią przedstawiciele CenterNet S.A. i jednocześnie zapraszają do udziału w akcji inne firmy oraz instytucje zainteresowane tą inicjatywą - kontakt: marketing@centernet.com.pl

O firmie:
Firma CenterNet S.A. jest piątym infrastrukturalnym operatorem komórkowym w Polsce, w 100% zależnym od NFI Midas. notowanym na warszawskiej Giełdzie Papierów Wartościowych. W listopadzie 2007 roku firma wygrała przetarg na wykorzystanie częstotliwości GSM w paśmie 1800 GHz.

Źródło & Obrazek: 4press.pl

There have been a number of these events over the last few years and they have each been challenging and encouraging. Over the years we have had Terry Virgo, David Stroud and David Devenish speak to us and this year we have David Holden which I am looking forward to.

North is always about perseverance, not the subject but perseverance to overcome the many difficulties we have had to face while camping.

We have faced everything from grass so tall you needed step ladder to see over it, 1 toilet to 1000 people, toilets and showers that only worked when the wind was in one direction there was a u in the day and people had prayed hard.

Each year we have been on the brink of coming home but through sheer pig headiness we have stayed and battled it out. Guess what each time Father has shown up in a powerful way.

Year one both my wife and I came back alive and fired up to do more for Father to take the fight out to Durham

Year two on the way home my eldest Son and daughter became christian's (Praise God for going bananas!!)

Year three we were called into small group leadership after battling with the elders who had been asking us to do it for years.

Year Four Eldest son gets blasted by the Holy Spirit for the first time and I have to carry / drag him back to the tent. What a change that has made to him over the year.

So this year... well we now have a medical issue that is making it difficult for us to get to North on the Thursday. But I think this is an attack just as the other things were an attack. We need to press on fight it and get there. Why... so we can fellowship with the church and come home empowered and emboldened to take the message of Jesus' love into Durham!

1) Involved in a minor car crash - not really any damage done and no one was hurt but it shook us up a little bit and made my sister-in-law anxious as it was my brother driving. The problem is, when someone around me gets anxious, so do I.

2) Sat in Starbucks, but it was getting crowded, and I can't do crowds

3) Had a meeting with my line manager about work. I explained why being on the shop floor is bad for me and how it would help being off for a few months. She is going to look into it but she doesn't seem hopeful really. That means if they can't do anything for me I will have to start looking for a new job, and maybe have to resign before I get a new job.

4) Went to the Leader's Conference at the Brighton Centre, but again there were crowds of people and I couldn't cope so Chris had to take me home early

5) Conversation with Dad where he wasn't happy about the car crash, the fact Chris bought me home early when he was supposed to be working (he is allowed to look me, his boss said so!) and the fact in his opinion I am not dealing with the panic attacks well and it is making me unattractive to Chris. I said this to Chris but as he is busy working he can't talk to me so much so I'm starting to worry lots and get paranoid :-( I know Dad means well but it has kind of upset me.

6) My friend has been making slightly mean comments about me always cancelling on her etc. which has hurt as I went to London with her the other week, even though trains and crowds and stuff are a huge problem for me. I really don't want to have upset her but it seems I have. So I feel bad about that.

So all in all, this hasn't been a top day. I just want to get better, but I know it takes time....

 
IT'S ALL SO FISHY
Love seafood? You'll need the FishPhone, wallet cards & DNA testing before dining
Anne Kingston, Maclean's
On the verge of ordering swordfish steak for dinner? Quick, call FishPhone, a new text-messaging service set up by the Blue Ocean Institute of East Norwich, N.Y.  <read more>

 
GREENPEACE RELEASES MISGUIDED SEAFOOD SUSTAINABILITY REPORT
National Fisheries Institute
Greenpeace released its latest seafood sustainability campaign this morning and took aim at American grocery stores. Unfortunately, as we suspected it is merely another example of Greenpeace's failure to responsibly engage the seafood community in a constructive dialog about sustainability. Consumers should know that the retailer rankings presented in this report have no credibility. The non-science based standards by which Greenpeace came to its conclusions highlight the weaknesses in its efforts and undermine the entire project. <read more from the NFI> or <read the Greenpeace report>
 

YEAR TOUGH FOR STOCKS BUT SUSTAINABLE FISHERIES DO WELL
By Kimberly Chou, The Seattle Post-Intelligencer
Biotech companies and financial institutions have seen their share prices drop in the first half of this year, while a sustainable fishery has come out on top in an index of Washington state's publicly traded companies. <read more>

If you have no idea what I'm talking about, click the link, head over to Deadspin, and press 'play'.

Elevato potere antiossidante grazie al contenuto degli acidi clorogenici, azione protettiva nei confronti dello sviluppo del diabete di tipo 2 e del morbo di Parkinson, rallentamento del naturale declino cerebrale nelle persone anziane, nessun effetto sfavorevole sul rischio cardiovascolare: sono queste le principali novità legate al consumo di caffè che emergono dai più recenti studi scientifici internazionali. Lo sostiene la NFI, Nutrition Foundation of Italy.

Il caffè rappresenta una delle bevande più bevute al mondo, con un consumo che, seppur molto variabile da paese a paese in quantità e modalità, oscilla tra i 12 kg pro capite annui della Finlandia ai circa 2 kg del Regno Unito e la Repubblica Ceca. L’Italia registra mediamente un consumo di caffè di 6 kg/annui a persona (fonte: International Coffee Organization). Nonostante questi dati però, c’è ancora oggi scarsa conoscenza sulle proprietà nutrizionali del caffè, e spesso l’attenzione del pubblico resta focalizzata esclusivamente sulla caffeina ed i suoi effetti sull’organismo. Dati di un’indagine condotta a livello europeo, infatti, mostrano che più dell’80 per cento del campione non è a conoscenza degli elementi nutrizionali contenuti nella bevanda (fonte: GKF, gennaio 2007).

Il caffè è in realtà una delle fonti dietetiche più abbondanti in antiossidanti naturali, quelle molecole che rallentano o prevengono i danni da radicali liberi. Gli acidi clorogenici sono i principali composti ad azione antiossidante contenuti nel caffè e senz’altro i più potenti. Analizzati prima della torrefazione del chicco, risultano essere molto numerosi e di struttura diversa; i diversi processi di lavorazione, la temperatura, la macinazione ne riducono la presenza anche fino al 90 per cento ma in ogni caso è possibile affermare che 100 ml contengono circa 250 mg di acidi clorogenici, una quantità rilevante.

“Consumato in dosi moderate e con costanza quotidiana, il caffè ha dimostrato di essere un aiuto importante nella prevenzione di patologie metaboliche e neurodegenerative. La sua presenza, quindi, all’interno della dieta di ogni giorno non solo influenza positivamente la sfera emotiva della persona ma può contribuire al benessere dell’organismo”, afferma Andrea Poli, Direttore Scientifico di NFI. “Grazie soprattutto al contenuto naturale in acidi clorogenici, il caffè, anche decaffeinato, è tra le fonti dietetiche più abbondanti di antiossidanti. Il suo consumo permette di assumerne quantità significative, con favorevoli implicazioni sulla nostra salute”.

• NFL - the NE Patriots have to be happy about the big favour San Diego did them. I had Indianapolis penciled in as the only team with an outside chance to beat New England. Does anyone really think that the Chargers can get it done?
• The Giants came good at the right time - beating Dallas 21-17, and despite America's team amassing a 13-3 record this season, will it be enough to save Wade Phillips' job?
  Jason Garrett was hired with an aim to eventually have him as head coach... but unless they pay him the money to keep him in Dallas, there are ample jobs out there - and both he & Tony Sparano will be interviewed for them.
  From my perspective, I think that'd be pretty tough to dump Phillips after a damn good season, regardless of the result in the playoff departure. Jones is no fool, and will keep the low-key Phillips. For the Cowboy's sake, he should pay Garrett to keep him in Dallas. Sparano will probably depart tho'...
• NBA now... I copped a bit of flack around the various sporting networks on my condemning of the Chicago Bulls in NBA Opinions With Malice - Sweet Home Chicago… ummm... but post recent developments in Chi-town, could anyone doubt that there are still huge problems with the Bulls? The players have taken over, with a 'veteran' guard who barely plays 3 minutes a game (Adrian Griffin) and an over-the-hill, over-paid center (Ben Wallace) seemingly taking the reigns.
  The suspension of Joakim Noah for yet another game by player-vote, is out of line. So is the 21 point loss to Atlanta.
  Bulls fans aren't happy, and if Paxson doesn't fix this soon - and decide where this team is headed (playoffs or lottery), then it will cost him his job.
  And rightly so.
• The situation involving Brian McNamee & Roger Clemens is getting over the top. Clemens macho posturing and constant story changes, when held against the backdrop of McNamee's consistency really doesn't help me believe the Rocket... reminds me quite a bit of
• 'Monkey-gate' in Australia at the moment. Harbhajan/India continually change the story regarding what happened during the 2nd test at the SCG, whilst Andrew Symonds steadfastly holds to his story that Harbhajan Singh called him a 'monkey'... thus fueling a furor not seen for many a year in cricket.
  Oh wait... we saw it but a year ago when India/Pakistan made early exits from the ODI World Cup. Ho-hum...
• On this, it's disappointing that when I've tried to engage some cricketing blogs on this, comments (any?) don't go up if you're not in agreement with the blog's viewpoint... pity that.
• The 3rd test between Australia and India starts this week in Perth, and the WACA's wicket is a paceman's dream. Cannot see this game going too long...
• Bizarre stuff at New York Knicks, huh? Comes to the point where everyone things that it's pointing to Dolan actually growing a pair and sacking Isiah, and then the Knicks absolutely DESTROY the Detroit Pistons, 89-65! Not entirely sure that's a good thing for the franchise...
• Houston's woes continue with a loss to New Orleans. No shame in being beaten by the Hornets this season, but the Rockets have to start winning soon, if they're to make the playoffs.
• Lakers/Memphis game just finished with the Lakers only just managing to eke out a win 100-99, and Andrew Bynum suffered a knee injury...
  Terrible stuff, and this when he was playing soooo well... It also resulted in Kwame Brown playing 25 minutes of awful stuff on Pau Gasol. Scores are equal, and Brown misses A DUNK with less than 10 seconds to go that would've put LA up by 2. Gets free throws, and does get the one that wins it, but misses the second to give the Grizz a shot... Hell, given Brown's a 38% foul shooter, I should be happy he got the ONE!  Egads man, egads.

That's all for now... yours in sports!

:: :: :: :: :: :: :: :: :: ::

Anyway... I figured that I better do something a lil' more realistic than simply go on Helmets this week. So I figured I'd just draw names out of a hat (no AA teams... didn't realise I wasn't allowed to rank 'em!).

And awaaaaay we go!

20+1: (rummage sound...) LSU - boy... do I feel stupid. Even I know they're better than this. Oh well... shoulda frozen the envelope.
20: Rutgers - ok... a lil' better. I mean... Buffalo in week 1? Grow a pair.
19: Auburn - Hell, happy with putting them there. Their helmets SUCK.
18: Georgia - Shut-up Bulldogs, just be happy you made it.
17: Hawaii - here you go Colt. This is the highest ranking you have in the nation. Hell, this is an INTERNATIONAL ranking!
16: UCLA - this is eerie. I almost look like I know what I'm doing.
15: Oklahoma - damnit! Just when I was getting somewhere towards an appearance of knowing what I'm talking about... the hat does this!
14: TCU - man... I am so glad that the Christian Horny Toads are still able to make an appearance in the 20+1. Catholic Schoolgirls have got nothing on Christian Horny Toads.
13: Penn State - Errr... am I looking like I know what I'm doing again? Wait... give me a few more picks to stuff it up...
12: Florida - C'mon... Orange, white & blue? Did a preschooler design that?
11: Arkansas - Another team that could probably use this poll to declare themselves better than they really are.
10: Wisconsin - Badgers... uh-huh... need I say more?
9: California - Jeff Tedford. I don't know much, but I know that this guy's a good coach.
8: Nebraska - Ok... I have nothing to say.
7: Ohio State - Be happy. Higher here than you should be, Michigan got dumped on.
6: Louisville - A lil' nuts. Most of my selections are at least in the right half.
5: Virginia Tech - Another team that is flattered by me having no idea.
4: West Virginia - I cannot believe this...
3: USC - How many polls do you think have USC outside the top 2?
2: Georgia Tech - Phew. A degree of normalcy. This is the kind of off-the-wall selection I expected. GO YELLOW JACKETS (is that one word or two?)
1: Texas - Ummm... could Matthew McConaughey pay me now?

:: :: :: :: :: :: :: :: :: ::

However...
I was asked to submit a 20+1 rankings for NCAA football. Are you kidding me? I literally have NFI (and I don't mean the National Film Institute) on college football. Sure, heard of some of the teams before, but I lack the awareness that the general guy living in the US has. Totally lack. Like... a void.

I think it's important for each & every one of you to realise that I'm an Australian guy, living in Japan. Whilst I enjoy watching the American game, I tend to lean more towards the professional game - where news/games are readily available, and my awareness of players/teams is pretty damn good on that (enough to hold my own in Fantasy Leagues et al). Add to that, I lack the sense of allegiance that actually attending a college/university gives.
Still, I know all the really 'big' teams: USC, LSU, UCLA, FBI... errr... anyway (yes, I know... awful, awful pun using acronyms), I thought I'd make my college 20+1 rankings based entirely on how cool the logo on their helmet looks. As I said, when it comes to College football, I have no idea. So...
20 + 1: Washington - plain... but has a bit of class about it.
20: Miami - the two-tone 'U' has cool written all over it.
19: Oklahoma - does the wind really come sweepin' down the plain?
18: Rutgers - White on red... striking, but pretty common
17: California - classic stylin'...
16: Kent State - a lil' cartoon-ish... but works.
15: Michigan - weird, but kinda cool. In a weird-kinda-way.
14: North Carolina - powder blue works for the Chargers too...
13: Colorado State - the gold 'n' green works (especially for an Aussie)
12: Louisiana Monroe - Classic, but a lil' different
11: Nevada-Reno - Wolf on the side of a helmet... I mean... c'mon - that is cool.
10: Southern Illinois - tell me: what is a 'saluki'?
9: Alabama-Birmingham (UAB) - Fire-breathing dragons? All over it.
8: Arkansas - a pig? Ok... a vicious-looking pig, but a pig none-the-less!
7: UCLA - classic look
6: Hawaii - 5-0 baby!
5: USC - ok... I'll avoid the prophylactic innuendos & just say it looks cool.
4: Akron - hey... it's a 'Roo - what can I say I'm an Aussie!
3: TCU - Err... a christian college with a Horny Frog as it's mascot? Egads, but I love irony.
2: Texas - Longhorns... now that is cool. Really cool.
1: San Diego State - love the fade-to-black. Excellent. And the 'A' logo is stylin'...

G'damnit... they've asked me to do an update now... I responded with a "but the helmets aren't gonna change"... but alas, no luck.

:: :: :: :: :: :: :: :: :: ::

Seeing so much volume in a small cap really made me wonder, and the whole naked shorting suppressing the current stock price is ridiculous. So who is behind the naked shorting?

Apparently, The Deposit Trust and Clearing Corporation(DTCC) counterfeits shares through its stock borrowing program. See the thing is the DTCC is primarily an intermediary-- it does not own shares just participates with brokers who claims an X amount of shares are available for borrowing.

I am not quite sure how this happens, but DTCC loans out shares it never really collects. On the threshold list, it is marked as fail to settle transaction, but the market thinks there are new shares floating around. The shares can be listed again and avaliable for borrowing and it keeps repeating itself over and over, which makes "phantom shares."

It has been noticed in stocks like Overstock.com (OSTK) , Krispy Kreme (KKD), and many others. It is easier to do with small caps and it has been a controversy for years. Threshold securities regulated by the RegSHO claims that there should not be any stocks failed to deliver over 13 days yet there are stocks that have been doing this for months, even years. It is easy to transfer the burden from brokerage to brokerage when all the big players are doing it and making a huge profits.

Huge profits for very few at the expense of many. Who's behind this all? Who's making the market? How can there be phantom shares exceeding the shares outstanding?

All legitimate questions but so very hard to explain. All I know is people are exploiting this loophole and everyone knows yet no one really makes it that big of a deal. Why?

Why?

As we all know, the subprime crisis has created a lot of pessimism in the market. So much that institutional investors are using this information to make money and shorted stocks like NFI. A friend of mine essentially said there is more stocks being shorted than actually is available within NFI.

With the stock price going up about 4% yesterday, and 22% today, many institutions are losing money and are force to cover. What happens when a person or institutional is forced to cover? They, normally, do not receive a price they were hoping and have to buy stocks immediately.

With that said, NFI has the potential, and will most likely increase in price within the next couple of days. There is a threshold security list, which means “sellers failed to deliver 10,000 shares or more in the past five trading days and the level of ``fails'' is a minimum of 0.5 percent of the shares outstanding.” NFI has done so for 14 consecutive days.

Well I am just going to provide a chart for NFI below, but I want you to think why it has not been spoken on CNBC … why have we not heard anything interesting about subprime market?