This PROVEN Lead Generation System Has Helped Hundreds of Companies Bring in Continuous Streams of Quality Leads

Here's HOW IT WORKS and How You Can Put It to Work for Your Business

Dear Friend;

THE MARKETING WHITE PAPERS IS OFFICIALLY CLOSED. If you would like to get your name on the list for a future edition of the seminar (or if someone drops out you want to be notified), click here.

Feeding the sales pipeline with a single white paper??

Sounds like a fantasy, right?

I don't blame you for thinking that.

For me this was a reality.

In fact, I have helped hundreds of businesses attract tremendous numbers of quality leads AND build their marketing lists—all with one white paper.

Before I tell you about how it worked for me, you'll want to mark May 16th at 9:00 AM PST on your calendar (I'll explain more about that in a minute).

One White Paper Can Transform Your Business

Don't just take my word for it.

Here's what a lone white paper has done for my own business:

• 50 to 100 leads every day
  
• More than 60,000 leads so far
  
• 20,000 active newsletter readers

All from ONE white paper—5 years running!! SAME paper.

Want another example?

VistaPrint makes low-cost business cards targeted to ultra-small business owners (we're talking dog groomers and eBay hobbyists). Here's what they achieved in ONLY 60 days:

• 5000 leads
  
• 500 converted to paying customers (in 60 days!)

From a single white paper!

And I've helped companies like Dow Jones, Microsoft, FedEx, Motorola and countless other big and small businesses achieve success with white papers.

Even if you only realize a fraction of their success, how would it transform your business?

Reality Check

Times are tough. The economy is on a crazy rollercoaster ride.

This means your prospects are cutting budgets, slow to make decisions AND may be resistant to your attempts to sell them.

It also means you're facing pressure to perform.

You need to generate leads (especially qualified leads).

You're more accountable. In the past you could succeed with the weakest of marketing efforts. NOT ANY MORE.

AND you're working harder!

Frankly, your job is on the line (and maybe even the business).

Marketing Is Tough

Whether you're a social marketing guru or have traditional marketing experience, there's a big problem.

Diminishing returns… Cost justification… Poor lead quality… Fragmented media… Pressure from above…

Chances are you're going nuts just trying to "keep track" of the dozens of different programs you've implemented.

Let me simplify this.

All that matters is this—when it comes time to purchase, is your company on the list for consideration??

Wouldn't you much rather have folks contact your organization "ready to purchase?"

I know it sounds crazy.

BUT, it is a reality with my formula.

You set the right material in motion and it literally persuades prospects that your business "must be considered."

What would this do for you?

• Less stress
  
• You become the hero for setting the program in place
  
• You sit back and watch the interest in your organization mushroom

My Story

In 2002, the dot.com bubble exploded—along with my dreams of growing the business.

I freaked out.

With a family to support, I was concerned (and rightly so).

The stock market had plummeted and businesses were just not spending.

Sounds familiar, doesn't it?

Things today are very much like those times.

Back then, I hunkered down and tried to come up with a way to save the business.

I was convinced I was going to have to spend big dollars on trade publication advertisements.

Then the idea just literally came to me.

I decided to share my "top secrets"—information I knew prospects would find attractive.

I crafted a white paper.

It was an immediate success-to my amazement.

• First month: 305 leads
  
• Second month: 392 leads
  
• Third month: 369 leads

Then the phones started ringing. They have NEVER stopped!

Five years later, I had more than 60,000 leads.

However, more importantly, I constantly had more business than I knew what to do with—a great problem to have!

Here's the cool part. I was considered by many to be the world's leading authority in my field.

I kid you not—it was all because of that paper.

Guess what my white paper was about?

You guessed it! Creating compelling white papers.

To this very day, I am still astonished at how that single paper is generating the same interest it did back then.

Here's some of what the paper did for my business. It:

• Greatly reduced the need for other marketing efforts
  
• Propelled me to the #2 spot on Google's organic search
  
• Added me to everyone's list of firms to call when gathering proposals
  
• Got the phone ringing off the hook
  
• Resulted in other businesses constantly seeking to hire me

Where are things now?

People now call me funny names. But these are the good kind :)

I've been called everything from "The Grandfather of White Papers" by MarketingSherpa to the "Chairman of the National Reserve Bank of White Papers" by one of my students.

It's frankly REALLY funny.

So where has this single white paper brought me??

Here's the cool part.

I have authored more than 130 marketing white papers.

I get to do REALLY cool projects for many of the world's biggest firms, such as Dow Jones, FedEx, Microsoft, Motorola, SAP, HP, NEC, Qualcomm and many others.

The paper generated so much interest that I wrote a book.

My book has been a bestseller for about 18 months. The title is Writing White Papers: How to Capture Readers and Keep Them Engaged.

Then crazy stuff happened when all the big organizations started contacting me.

I've spoken at many national conventions and for organizations including MarketingSherpa, MarketingProfs, Pragmatic Marketer, Guerrilla Marketing Association, Institute for Management Consultants, International Association of Business Communicators, the AeA and STC.

You Can Also Achieve Results In 2007, a handful of individuals experienced just a sliver of my process in a single day event. Here are their comments: "Michael Stelzner gets a standing ovation. He really knows white papers, and hardly stopped for air. He delivered non-stop, valuable information interspersed with exercises and still had plenty of time for audience questions." Patsi Krakoff "Mike is the Chairman of the National Reserve Bank of white papers. I am grateful for the opportunity to attend and will draw on the knowledge gained for years to come." David Richman "Thanks for an excellent seminar. Apart from a very well put together seminar, your expertise and insight were greatly appreciated. The step-by-step instructions on how to do this, puts it within reach of those of us who aren't professional writers." Gord Freiter "The seminar is packed with valuable information which not only gives the attendee/viewer a complete guide to writing white papers, it also clarifies the link between great white papers and proper B2B lead generation technique. I highly recommend this class for anyone (advanced or beginner) interested in improving their white paper writing skills." Jon Kontoleon "This investment was valuable to me because you shared your expertise, real-world examples, and provided us with clear and actionable steps to take—both in writing a white paper and using a white paper as a marketing vehicle. I have no experience writing white papers, and I walked out of the seminar knowing exactly what steps to take to write a white paper, how long the process should take and what pitfalls to expect. I highly recommend this class to anyone who needs or wants to write white papers, or who manages people who do." Manya Chylinski "I am trained in journalism and work in marketing, so I thought I knew everything there was to know about the different styles of writing. However, I was still unclear about how to tackle a white paper because there hasn't really been a standard guideline for it—until now. Michael taught me what a professional white paper should be, and he has a logical, educated and thorough plan of attack when preparing and writing a white paper. The knowledge I gained at Michael's seminar was incredibly helpful and gave me a solid foundation with which to begin writing expert white papers." Jessica Lee

Why Now?

As marketing pros, we're working in unique times.

Some see today as an "opportunity" while others see the slowdown as a threat.

You have a unique chance to change the game in your niche.

Here's why.

Businesses are slaving away trying to figure out the right activities to attract quality prospects.

What often happens?

Marketing goes nowhere fast!

Instead of executing one well-orchestrated lead generation effort at full throttle, marketing runs ten programs in slow gear.

Keeping a grip on all these activities is half the battle.

What if you could greatly simplify your marketing efforts and achieve better results?

I'm here to say you can!

WARNING: Never believe anyone who says the path to success is effortless. I want to set things straight right now. You will need to work hard—in the beginning. You'll need to be open to new ideas, possible paradigm shifts and even be prepared for potential resistance from your peers or directors. However, once you produce your piece and the results start coming in, everyone will want to know your secrets.

The Core of the Formula

To change the game in your industry, you need to do one thing and do it well.

You need to give away the answers to the most pressing questions your prospects want answered.

No holds barred. You tell them precisely what to do. You tell them how to do it. You empower prospects with know-how.

As a result, you:

• Gain immediate credibility with people
  
• Establish your company as the industry leader
  
• Convey your expertise

For example, let's assume you sell in a highly competitive market—like the financial services industry. In this space, there are hundreds of service providers all trying to outdo each other.

Now identify that one thing that prospects highly value. Perhaps it's a detailed concept, a costly option or just something that requires a lot of thought before someone can make a decision.

Possible examples may include, "Reducing Costs: The Advantages of Outsourcing Accounts Payable Teams," or "How to Select a Financial Planner."

Now produce a piece that educates the prospect on precisely how to go about making that decision.

The formula is this: Give away really valuable content and watch the leads pour in.

Okay, it's a little more complicated than that.

The key to the whole formula is identifying the right information for the right audience. The next step is to craft the content in a very unique way. The final step is to apply some creative marketing strategies to the finished work.

Thus, super valuable content, crafted with my proven formula AND marketed using my techniques, will create a massive amount of interest.

Once the program is set in place, it just keeps working.

Sounds exciting, right?

Want to Learn All the 'Secrets'?

If you want success with your marketing white papers, you'll want to TRY to secure a seat in my new Marketing White Papers seminar.

My goal was to create a course that even I can follow.

Heck, I learned what I know through hundreds of trials and improvements.

Taking the good, the bad and the ugly, I have put together a teaching method that is VERY easy to follow.

Full confession: I have the attention span of a flea.

So I set out to create a course that would appeal to BOTH sides of the brain—of people like me!

What I'll be teaching is different than anything you've ever seen.

This is NOT just for product launches. Obviously, the Marketing White Papers model works great when you are launching a new product… but it doesn't stop there.

My formula is a system that continuously attracts prospects.

They become fiercely loyal to you.

I had a situation where someone quit his job because his firm didn't hire me.

YES, that's the kind of loyalty you want in prospects.

The whole persuasive process takes place totally under the radar.

NO selling needed.

Thus, you can take any existing product or service and apply the model.

This is NOT just about writing. It's true that quality content provides the key pull factor for successful results.

But here's the cool part. You need NO formal training in writing.

It helps if you can compose your thoughts in a clear manner on paper. Other than that, anyone can do this.

HERE'S WHY: No-one I know has ever been formally trained to write this kind of marketing tool. That's actually good news.

Disclosure: I majored in speech, not writing. So if I can produce these pieces, so can you.

You see, when it comes to "writers," you have the professional copywriter on the right side of the spectrum. This is the guy that crafts slogans and the one-liners you see in ads. He is the king of brevity.

On the other end of the spectrum, you have the technical writer. This guy excels at describing things in minute detail.

However, the marketing white paper draws from both extremes of writing.

It must inform and persuade.

That's why this type of white paper is unique.

This is a skill you will pick up during my seminar—AND it's an important one that will distinguish your marketing white papers from your competitors'.

But it doesn't stop there…

This is NOT just about marketing. It is true that the best work will do nothing if it's hidden in a closet.

Imagine if Picasso never got the word out about his paintings. What if Bach's music remained locked in his desk drawer?

Of course getting exposure for your masterpiece is critical.

But this course goes WAY beyond marketing techniques.

It will address how to sell with the right words.

It will help you produce a paper that will virally travel through organizations.

It will also reveal much of the psychology behind creating anticipation, getting readers to act after they have finished reading the paper AND much more.

Here Are Details About the Seminar Obviously, my Marketing White Papers formula works. And chances are, if you use just a fraction of it in your business, you'll generate a lot of leads. Or you could even do what I do and use it to market other people's businesses (I was paid more than $220,000 applying these techniques to other people's businesses last year). So if you want to put my Marketing White Papers formula to work for you, I'm happy to set you on your path. Here's how this is going to work: First, for reasons that will be explained later in this letter, I can only allow a select few people to take advantage of this opportunity. I wish I could accept more, but as you'll soon see, I'm intentionally limiting the number of attendees of this training for the time being… The program is called "Marketing White Papers," because that's the primary focus… helping you create and market ultra-compelling pieces that get people lining up to happily hire your firm or purchase your products. And my program walks through it in 30 days. If you manage to secure one of the coveted spots, here's what you'll receive: 1) 4-Week "Marketing White Papers" Video Training Program ($7,997 Value) I have broken this training into four action-oriented on-demand online video training modules where I walk you through all the steps to plan, build and market your white papers. It's set up so you go through one session per week, but you can go slower depending on your circumstances. In each module, you'll learn how to use my Marketing White Papers formula by watching online videos, listening to audio recordings, reading transcripts and PDF reports, and completing exercises. Here's how the modules break down: Module 1: Setting the Stage for Success - Including real examples from real businesses Achieving success starts with a thorough plan, based on principles that are proven. In this module, I will show you how to: Map out a plan of attack in less than an hour: I will walk you through my needs assessment process. I'll show you how to pinpoint the ideal reader, clarify objectives and schedule your project. The outcome will be a clear game plan that will guide the entire project. Select the best topic: I show you creative techniques to help you pick the right topic. Identify the "key ingredients" of a marketing white paper: I will introduce you to the main elements of effective marketing white papers. You'll learn my 'problem method,' and other secret elements such as 'generic solutions' and my 'silver bullet' technique. Use my white paper outlines: I will provide you 'read to use' outlines to speed your project. These outlines are unique and ultimately produce proven ways to get prospects to call you. How to use marketing white papers: I will introduce the main ways you can leverage marketing white papers to sell your services, establish your business as a leader OR use them to help close a sale. Visualize the entire course: I will walk you through a mile-high view of the entire process. Module 2: Finding Content and Creating Your Opening The reason my formula works so well has EVERYTHING to do with content. This module will focus on where to get the gold content AND how to craft the critical opening page. In this module, I will show you how to: Apply my 'movie trailer' formula: I reveal how to create white paper openings that compel people to register for your white paper. Avoid the IKEA trap: I reveal the common white paper mistakes and how to overcome them. Apply the 3-30-3 rule: I will reveal how to capture the attention of people in mere seconds. Get experts to spoon-feed you information: I will walk you through some very sneaky and fun interviewing processes that result in experts literally handing you content on a silver platter. Extract content from people's brains: I will show you how to ask the right questions of the right people at the right time, resulting in recordings that can be literally transcribed into content for your paper. Speed the research process: Using special techniques, you will cut hours from the research stage of your project, fast-tracking your success. Module 3: Sculpting Your Masterpiece: The Content Formula Yes there's actually a very specific formula for creating the ultra-effective marketing white paper. It's based on soft-sell persuasion techniques. Here's the formula: T + P + H + GS + B + E + WTLF = S I realize that the formula means nothing to you now, because you don't know what the letters stand for. But I can absolutely guarantee that once I explain the formula to you and show you how to apply it, you'll immediately know more about persuading prospects than your competitors AND most marketing gurus. In this module, I will walk you through each part of the formula and give you extensive examples from my clients. Module 4: Releasing Your Lead Machine By the time you reach module four, you'll know more about influencing prospects than MOST of the world. You will have also crafted your own marketing white paper. You'll now be equipped to apply unique marketing tactics to draw mass attention to your white paper. And that's why you'll be ready for me to take you by the hand and walk you through getting your white paper campaign up, running and bringing in leads. I'll show you how to generate mass demand for your white paper. The best way I know to do this is for me to show you my most successful white paper marketing campaigns, dig up the best "nuggets" from each one, and then show you why they worked, how they worked, and most importantly... how you can copy them and put them to work for you. This module alone is worth the entire cost of the training, especially if you're on a tight budget... If that seems like a lot of information to pack into 30 days, it's because it is. It won't always be easy, but it will be fun. But believe it or not, that's still not all... 2) Four "Ask Mike Live" Q&A Sessions ($695 Value) I'm going to try to make the video modules as complete as possible. But I know there will be stuff I miss and questions you'll need answered. These calls are where I answer all of your pressing questions AND we make sure that nothing is overlooked. This is where you can ask questions specific to your business and learn from the questions of others participating in the program. They will be recorded so you can listen and learn if you miss the live calls. By going through the training and then participating in these Q&A calls, I can assure you that virtually all of your questions will be answered. 3) Transcripts for Each Video Module ($840 Value) I'm personally a huge fan of video training. Reading about a subject is one thing, but nothing can substitute for actually WATCHING someone do what they do. That's why the primary element of this training is in video format! But at the same time, video can sometimes make it hard to review or refer back to a particular section. So I'll be providing you downloadable and searchable transcripts for all of the key video and audio elements in the course. 4) Look Over My Shoulder (priceless) I have secured permission from one of my Fortune 500 clients to record my sessions producing a white paper for them and provide you the recordings. This means you get to see me in action. It also serves as an excellent learning vehicle, as you stand beside me and watch how I work with a large organization to produce a white paper. I know many people would gladly pay the price of this course just for this experience. For all participants who sign up in the first hour, I will be providing the following bonuses: The White Paper Audio Training Library ($499 value) Over the last two years I have interviewed the biggest names in the world of marketing and copywriting. You will get recordings of those interviews IF you sign up in the first hour of the promotion. The library contains more than 14 hours of audio classes and hundreds of pages of transcripts. You can put them in your iPod and listen during your commute—or just simply read the transcripts to further your learning. You will learn from experts such as Bob Bly, Brian Carroll, Andrew Goodman, Dianna Huff, Roger C. Parker, Steve Slaunwhite and Casey Hibbard. A White Paper Template ($299 value) I will provide you a formatted white paper template in Microsoft Word. All you need to do is drop in your logo and your text. This is the same template I use when crafting white papers for Fortune 1000 companies. Now you can be sure your paper not only reads well, but looks good. White Paper Syndication Guide ($299 value) My staff has been working diligently to prepare a Consumer Reports-type guide that compares all of the major white paper syndication outlets. This guide will take the guesswork out of selecting a syndication partner, greatly simplifying your efforts. THREE THREE BONUSES - Added May 15th ($249 value) White Paper Syndication Segment: White paper syndication expert Howard Sewell teaches the essential elements of white paper syndication. White Paper Landing Pages Segment: Bestselling author Bob Bly discusses white paper landing pages and the future of white paper marketing. White Paper Writer Industry Report: This report reveals trends, pricing and standards for white papers. This 57-page report is the industry's ONLY major study of the white paper industry. Released in March 2007, this groundbreaking study surveyed nearly 600 white paper writers. For ONLY the first 20 participants who sign up, I will be providing the following bonus: First Page Impact Review - Added May 15th ($499 value) ONLY for first 20 signups! I personally will review the most important part of your white paper: the title and the opening page. I will provide you constructive feedback to help you strengthen the overall impact of the paper (and the final results of your campaign!). When is the Seminar? The Marketing White Papers Seminar will begin online the week of May 26th (Many of the bonus materials will be available the week of the 19th) and be complete by June 20th. However, the course can be taken at any pace and at any time.

What Happens on May 16th?

Just as important a question is what happens on May 17th? More on that in a second.

May 16th, at 9:00 AM PST is the day you'll want to try to secure a seat in my seminar. On May 17th, I lock the doors.

Here's why you need to act early: There's a limited number of seats AND tickets will only be available for 24 hours.

Yes, you read that correctly, I am only letting folks sign up for the course on one day.

Why?

Frankly, I only want folks in attendance who are committed to transforming their lead generation campaigns.

Interest has been off the charts and I can only accommodate so many people.

Literally thousands of people have expressed interest and I just cannot take everyone.

This means the early bird gets in and will experience the most comprehensive course I have ever taught.

It also means that by the time your competition gets wind of this course, it will be too late. You will have reserved your spot and they will be locked out.

I have NO PLANS to repeat this seminar in the immediate future.

This is the one time where a timely decision will pay off.

I know the seminar is not for everyone. I actually do NOT want everyone there.

It would only weaken the quality of the discussions and my ability to support people like you who really want to succeed with white papers.

Back in 2007, when I taught the mini version of this seminar, I set the cap at 25 people.

Because I am going online with this course, I can accommodate more.

However, I still have support and infrastructure concerns that prevent me from accepting the many thousands of businesses on my interest list.

I have not set the attendance cap in stone yet, but it will certainly only be in the hundreds.

How You Will Benefit

The Marketing White Papers Seminar will be unlike anything I have ever produced.

Here's what the Marketing White Papers course will do for you. It will help you:

• Generate an ongoing stream of quality sales leads
  
  
• Become the thought leader in your industry
  
  
• Grow a list of interested prospects for your newsletter or lead nurturing campaigns
  
  
• Ease up on the marketing effort "throttle" (i.e., take more time to enjoy the other aspects of your job and life)
  
  
• Become the talk of your company

Here are some unique advantages of the course:

• Fully online course: Sit back and watch. This is a video-based, take at your own pace course that is very comprehensive. It is ideal for the busy, visual learner. All you need is an Internet connection.
  
  
• Structured modules: Each week, for four weeks, I will reveal a new module. Everything builds until that light bulb goes off and you begin saying things like, "brilliant!" Each module will include multiple video clips, examples, homework (optional) and the opportunity to come together as a group. I leave no stone unturned.
  
  
• Live interaction: Weekly live teleconferences will allow you to interact with me. You ask your questions live. In addition, a special forum will enable you to interact with your peers, swap war stories, etc.
  
  
• Extensive examples: Samples inspire. I have put together an entire war chest of examples. I know firsthand that inspiration often comes from seeing great work. Many examples will include my commentary.
  
  
• "How to" content: I tell you precisely what to do. The course will teach you "how to" create the right content effortlessly and what to do with it. The entire success of your white paper hinges on quality content.
  
  
• You create as you go: Make your masterpiece. By the time you are finished with the course, not only will you know how to create and market white papers, you will also have one completed. If you follow the exercises, you'll have a paper complete and ready to market.
  
  
• Creative marketing tactics: I'll go way beyond theory and "show" you exactly how I achieved marketing success with my projects so you can hit the ground running. We'll cover all the secret marketing tactics I employ and some of my friends will teach you their methods.

How Much Is the Seminar?

To secure a spot in the seminar, you must be willing to invest $997 (or three monthly payments of $367). This covers my time putting this all together for you, plus it ensures that only serious people apply. The total value of the seminar exceeds $10,000. You can get it all for only $997.

ALSO, everyone who signs up in the first hour gets nearly $1350 in bonuses (making the course a no-brainer). AND, if you are one of the FIRST 20, I will review and provide feedback on the first page of your white paper (a $499 value!).

My "Double Guarantee" Ensures YOUR Satisfaction...

Here's how it works...

Guarantee #1: 45-Day "Free Look"

You have a full 45 days (more than enough time to go through the entire course) to see if my Marketing White Papers seminar is right for you. If you determine that it isn't, just let us know and we'll gladly refund your money. No hassles. No hard feelings. But even if you go beyond the 45-day unconditional guarantee period you're still protected by Guarantee #2...

Guarantee #2: Put My Money Where My Mouth Is…

This is crucial stuff, so pay attention: Go through the training and complete all the steps according to my instruction in the course. If by the end of 90 days you haven't met your goal, let me know and I'll personally work with you for an additional 90 days. (I'll not only give you access to my private email address, I'll also allow you to schedule 30-minute calls with me if necessary). If after that time you aren't where you want to be, let me know and I'll not only issue you a refund, I'll also cut you a check for $250 just for wasting your time.

That's how serious I am about wanting you to succeed, and that's also how confident I am that my system really works! You see, if I don't hold up to my end of the bargain, I'm not only $250 in the hole, I'm also out all the time that I spent working with you one-on-one (which frankly costs me a lot more than $250!).

I'll say it again...
IF YOU ATTEND THE TRAINING SESSIONS, FOLLOW THE STEPS AND LISTEN TO THE Q&A CALLS, YOU WILL HAVE VERY SUCCESSFUL RESULTS. I ABSOLUTELY GUARANTEE IT!

As long as you're committed, you CANNOT lose.

But whatever you do, DON'T delay. When I say this course is limited, I mean it!

The course will only be on sale for a single day AND I have a limited number of seats.

Once it hits the limit, this registration link will be taken down and you will be on the outside looking in. Don't let that happen!

This isn't a crazy marketing ploy; it's just what I need to do to ensure the highest quality seminar.

If you're interested, complete the advance notification form below.

THE MARKETING WHITE PAPERS IS OFFICIALLY CLOSED. If you would like to get your name on the list for a future edition of the seminar (or if someone drops out you want to be notified), click here.

Best Regards,

Michael Stelzner
Creator of Marketing White Papers
Author of Writing White Papers: How to Capture Readers and Keep Them Engaged

P.S. Just so you know, there's nothing "magical" about my formula, even though it may seem like it. Sure, it's responsible for helping businesses generate enormous amounts of quality leads AND has generated more than 60,000 leads for my business.

And while that may seem amazing, you should consider this: You and I, as marketers, are really in the communication business. And if you can communicate with someone, you can influence them... and ultimately turn them into a customer.

My point is, YOU CAN DO THIS. You can make Marketing White Papers work for you. All you have to do it let me "download" the system into your brain over the next 30 days.

P.P.S. Remember, your success is totally guaranteed! BUT the course is only accepting reservations for 24 hours (starting May 16th at 9:00 AM PST). Complete the above form for an early bird chance to get in.

Results disclaimer: Do not buy this program if you think it will automatically generate leads just because you bought it. You have to work to succeed. The results I've had aren't typical. You may not generate leads at all. It's possible you might even lose money.