Monday, 26 May 2014

Use A Golf Journal To Decrease Scores

There are many different parts to the game of golf. The golf swing and putting are certainly the most important, without them, you wouldn't be able to play! Finding your true golf swing is absolutely crucial if your looking for lower scores. Even Tiger Woods is constantly tweaking his mechanics, looking for his true golf swing. Your golf swing can always use some improvement. Weather its your grip, swing plane, tempo, elbows, feet, knees, head or hips, you may not realize it but the slightest change can add yards to your drive.

golf clubs The more time we spend learning from masters past and present, people who have been there, done that and got the T-shirt, the more we will start to think like them, and the more we start to think like them, the more we can make decisions in our lives as they would and the more we can make money like they do.

So Tyco (Tyco Toys, not to be confused with Kozlowski's amalgam of non-complementary businesses) was putting out another talking plush doll featuring the beloved Sesame Steet character Ernie! Of Bert and Ernie fame! That was a complete no-brainer, even for someone like me who was, uh, a little removed from the whole little kid scene. So I went to Toys-R-Us and bought every damn one they had (I think 20-25) about a month before Thanksgiving. First (and importantly), I confirmed their return policy, in case there were any (unlikely) complications. The policy was ironclad - you could return for any reason as long as they were still in the box.

If you play and practice like an average golfer and this is what I used to do, then I am here to tell you that you will never get better. The key to getting better is but the difference between average golfers taking lessons and how the pros take lessons it the structure. After figuring out the structure of taking lessons and muscle memory, I made tremendous improvements in my golf swing.

Secondly you must complete your backswing and be in a powerful position to start the downswing. This means that your shoulder needs to be fully turned under your chin, and there should be tension between your shoulders and hips. This tension is vital to both the power and accuracy of the golf swing.

The benefit of hitting short wedges is that it lets you focus on your swing, not the distance the ball travels-a common distraction among golfers with long game problems. Too often golfers focus on how far their shots go instead of putting a good swing on the ball. Hitting short wedges eliminates this tendency.

It is important that the pace of the golf swing be consistent throughout. It's no good swinging slowly through one shot and quickly going through the next one. You'll get very inconsistent results. Try to imagine a pendulum and the way it moves backwards and forward at the same pace. Try to feel this in all of your chip shots. Then it's important to finish with a good follow through. Make sure that the follow through is directly at the target and not around your body. Don't stop your follow through on this shot or you will constantly come up short, or looking up to see where your golf ball is ending up on the green. This will cause you to chili dip, or blade across the green.

Saturday, 17 May 2014

Are Chiropractic Franchises An Exceptional Choice For Patients?

Are you experiencing pain in the lower back area? This might be due to serious nerve damage. You should consult chiropractor Costa Mesa immediately to get relief from such pain.

Embrace exercise. Chiropractic is meant to restore healthy movement to the body. But you should also be moving your body, and your Years of expereince and care from Weiss Chiropractic Inc helped me recover should tell you that. Don't sluff it off. Don't shirk a lifestyle change. My chiropractor offers donation yoga classes for her patients Saturday mornings at the office. Your chiropractor should be working to get you out of their office, not keep you dependent on them. Help them in that process. Be proactive.

So, what exactly makes SEO a waste of money? Well, if your primary goal is to get a top 10 listing on Google, you can accomplish that fairly easily with little or no effort. You don't need to pay someone like me to do it. All you need to do is find a keyword phrase that doesn't have that much competition, write an article or two using it, make sure it's in the title of your page and create a handful of external links using that phrase. Tada! So how come the phone still isn't ringing?

It's because the cells and tissue are in good shape since the program, so the body's energies can flow freely and the muscles et al can do what they are supposed to do.

It has been for the past 15 months that I spend more than half my time at the computer marketing my book to help others in the position I was in. Yet I don't suffer from back pain. I am as back pain free today as I was the day the pain disappeared almost 16 months ago.

While the "quick-fix" may seem appealing, learning the techniques for back pain relief so you can permanently remove your back pain are worth the effort. Of course this means prescriptions, OTC drugs, and anything else that will merely mask the problem is simply out of the question. We have to actually dig in and find the cause...

Now I can easily go on and say that marketing is easy - because it's not. But with is easy are the techniques that I am going to show you in this article. Are you ready to have your socks blown off your feet? Lol... it's not anything like that, but these techniques can really make you profit more in the long run. So what are some of the ways that I am talking about. Well, let's get right into. Here's the first technique that I advise you using to get new customers into your business.

Let's talk about those who follow car accidents up with offers of related services? Is that help? Is it a betrayal to offer someone chiroprectic care who may benefit from it? Speaking from experience, having a caring DC contact me with an offer and some good guidance after my car accident would have been a godsend.

Exercising is proving to be the best relief of sciatica and is recommended by most health care professionals as a part of an overall treatment strategy.The other enemy of the lower back is obesity. Once you weight more than 20Kg over your ideal weight, the chances of lower back pain increase exponentially. Be open minded but not gullible. Yes you want relief and you need to consider all your options, but look closely at the research backing the solution. Start in small steps and move forward and you will find you are much better equipped to make rational decisions. Look at natural remedies as well as the common "buy this pill for pain free lifestyle" drugs.

Chiropractic care. Chiropractors perform chiropractic adjustments to relieve the patient of neck pain. The above treatments can help assuage the pain but if it is recurrent, chiropractic management is the best thing to seek. It is because chiropractic deals with the source of the pain not merely to stop the pain. By treating the source, neck pain is eliminated. Chiropractors may either perform cervical or spinal adjustments depending on the position and source of the pain.

Friday, 16 May 2014

The "Ins" And "Outs" Of Paleo Meal Planning

Exercise is not a miracle. This does not mean you need to work out for hours and hours. There are a wide variety of work outs; some of them are efficient, while the other is not much. But their aim is to affect the groups of muscles and is appropriate for fitness levels and also helps in burning calories more successfully. You need to follow some effective work outs that would help you in producing an effective weight loss.

To keep your blood glucose low, assemble your meals from the following four categories: carbohydrates, protein, fat and veggies. If you find that your arm toning is too slow, reduce your carbohydrate intake on the days you aren't resistance training.

Well, in truth - there are VERY basic principals. General rules, that maybe everyone ought to memorize. It doesn't matter which plan you follow or which eating plan suits you. These fit all.

Incorporating the Paleo Experiences into your lifestyle can be easy. You are just making changes in the way you eat, and it can be done slowly over time. Your goal is to replace processed foods with more natural foods. With 375 great tasting recipes in the paleo diet Cookbook, you can start on the path to the Paleo lifestyle easily.

Nowadays more and more "experts" and "professionals" offer magical weight loss solutions. There are both "natural" and "medical" remedies. I think they are all too expensive because they aren't worth their price. Actually, they are useless and sometimes harmful.

You will be pleased to learn that you can put a few things into action today to help raise your levels of health and fitness. Here are some tips that you can use to help yourself get fit and healthy.

How does this diet work? No one knows for sure, but one of its weapons against Type 2 diabetes is the low glycemic index. Although whole grains typically have a lower GI than their refined counterparts, their GI can be double or even triple when compared to most natural vegetables.

Once you complete the cleanse, you will lose weight, feel like you have more energy, have stronger hair, get fewer colds, emotional health, clearer thinking and so much more. This concept is very intriguing because it draws a correlation between being clean on the inside and good health.Cleanses do your body a lot of good so never listen to the people who say cleanses are unhealthy. They are very nutritional and will rid your body of the many toxins we take in each and every single day. Get started on a cleanse today and you'll see why people love doing them every so often.

Monday, 12 May 2014

Size Zero Patch Benefits

With a heavy dose of knowledge and some willpower, anybody has the power to lose weight. This article was written to help you learn the best ways to lose weight. You should stick with weight loss, it can be very hard.

It absolutely does. Finally there is a product available that does what it says and that too without any undesired side effects. It works like a twin sword. Firstly, it burns your body fat and secondly, it controls your appetite to make sure you do not over eat, thus no excess fat is stored.

The first thing that you need to know is that on his web page is the extract of a pumpkin-like fruit found in parts of South-east Asia. The supplement contains an active compound called Hydroxycitric Acid (HCA), which is known for its appetite suppressant and fat-burning effects. Needless to say, these two factors make this product an effective weight loss aid.

Is this a good supplement? We spent many hours researching, and the data collected showed that users ate less, lost weight and gained energy with Hoodia Gordonii Plus. They were happy with their weight loss result without suffering from the crankiness and lethargic feeling normally associated with less food.

The first step is to create your own sensible eating plan; the hardest part will be sticking to it. Always remember to keep it simple and varied as we all lead busy lives, so the garcinia cambogia diet has to fit around your day and not the other way round.

One ingredient is particularly effective at increasing your metabolism, 5-HTP. It can also reduce your food cravings as it can drop serotonin levels in the body.

Check out on their official site about the schedule for ordering as they will be soon closing their trial period. In this case, you should hurry up and try out the product.

Once the patch is stuck to the body, the ingredients penetrate the pores of the skin and reach bloodstream. Since the users are not taking the ingredients orally, there is the least chance of wastage of the active components by means of stomach acids or digestive fluid. Moreover, it ensures reduced reaction time. Thus, even a small dosage of diet patch ensures better and faster result than any other method of weight loss. However, the most exciting thing about such patches is that, they keep on releasing the ingredients slowly, but steadily into the blood stream, until it is attached to the skin. Therefore, the users can be rest assured that the patches attached to their body will keep working all through the day and providing them with the best result.

Friday, 9 May 2014

Raw Food Recipes - Living Life To The Fullest

Some people might be facing a life-threatening illness, others simply want to feel better, and others might just have read something that has sparked in them, an interest to try it out.

Clean all of your diet foods personally before refrigerating or storing them. It is best to make salads only when you are going to eat them, not before hand as they can wilt and lose nutrients.

There are ways to be a raw foodist, eat plenty of vegetables, yet still remain on a low carb diet. Many call for nuts and seeds, which are protein rich and naturally low in carbohydrates. Other foods are vegetables, which are fibrous carbohydrates (carbohydrates that your body doesn't digest) and fruits.

The raw food is top for you. But there are so some kinds of substance around us that you don't hump what is the raw food and how to cook them. It is a troublesome abstraction. I strongly advocate Eating for Energy to you. Eating for Energy can ply you calculate the problems.

The best fruit and vegetables to use are organic if you have access to a fresh supply of them. If not always make sure your vegetables and fruit are as fresh as possible to ensure that you get the maximum nutrients from your drink. Always wash or peel everything before juicing.

Another living food on most lists is seaweed. It's dried but considered raw. We never eat roasted seaweed. Seaweed includes nori, dulse, wakimi, etc. Nori is the wrap commonly used around sushi.

How do you recognize how much avoidance is needed? I strongly recommend that you follow this rule because people can have negative experiences with your personal chef service if you don't follow it..

You see, just knowing your way around your kitchen lets you become a raw food cook instantly. Simply take a few moments to think about what you already serve that you do not cook.

Tuesday, 6 May 2014

Unemployed Payday Cash Advance - Credit For The People Who Are Unemployed

Got credit card debt? You may be paying way too much every month in interest rates and fees simply because you're not able to pay it off in time. One of the warning signs is simply not being able to completely pay off your credit card. Another warning sign is struggling to pay most of it off every few months. The clearest warning sign is not being able to meet the minimum monthly payment required by the credit card!

The benefits to consolidating your college loan debt are wide ranging. The first thing you may notice is how much more organized it will make you feel. By consolidating your college loan debt into one payment, you will only be getting one bill. You no longer will have to worry about missing a payment because it got lost in the sea of paperwork you get flooded with in the mail. Since you will only have one bill department to deal with, you have a better chance of arranging a more flexible payment schedule, which can help ensure you will always make your payment on time thereby not incurring any late fees. Another bonus to consolidating your college loan debt is that you can lock in a fixed interest rate, which will reduce your monthly payment. This interest rate will save you thousands each year.

Likewise, if you are having issues with a bunch of different accounts and you find yourself unable to manage them all, then you would be a good candidate for debt consolidation programs. This will give you one thing to focus on and that makes seeing the finish line much easier.

This means keeping up your own job skills, whether or not you work at home. Having savings. Talking about how potential problems will be handled. Not panicking if something does happen.

The first thing that you need to do is get all of your credit card in order and get all the account info for each card: contact number, account number, amount owed. By seeing exactly what you can afford to put on each card you will have a starting point to go with for paying off all of your cards.

What would you say if I told you that the average minimum monthly credit card payment is a whopping 8.00 (Kiplinger's Personal Finance Oct 2006)? Are you chuckling because you pay more? We're not talking about a mortgage here; folks were talking about monthly credit card balances.

At the very least, you should be paying off whatever you spend on the card at the end of the month. This way, you know that whatever happens, your credit card debt is not increasing. Better still, leave your card at home when you go shopping and use good old cash to make your purchases.

Default Provisions - If you more than one card and if you are unable to meet deadlines on even one of them, the issuing company may levy an excessive interest to the tune of 20% and you could end up paying an awesome interest in excess of 35%.

Finally, make a debt repayment plan for yourself, and write it down. If your plan is to repay 10% of your debt each month, set targets, and then at the end of the month review your performance to see if you were successful. Change your plan if necessary until you reach your goal.

No matter which type of loan you need it is wise to begin repaying your debts prior to applying. This shows a lender that you are serious about getting out of debt and rebuilding your bad credit to good standards. Make sure that you have been consistently making your monthly payments or have gone through some consumer credit counseling. Lenders look at your efforts to pay off your debt when considering you for a bad credit debt consolidation loan of any kind.

Monday, 5 May 2014

Risks And Benefits Of Breast Lift - Information On Cosmetic Surgery Options

When you have a product that is actively being sold by any number of people online, you will eventually come across reviews of the product that are a little overblown or even completely false. When I first started reading Neckline Slimmer reviews, I was intrigued because I knew that if it worked as well as they said, I would certainly buy it. It sounded like a great product, but with all of those reviews, you just don't know who to trust.

Open your mouth and start making faces. Hold your chin up and move your face and lips until you can feel it pulling on your chin. Do these exercises a few times a day. I don't suggest you do this at work or in church. That's just my 2 cents, however.

There are now pills you can take and creams you can use to help you get the breast size you have always desired. More and more women are choosing to learn about natural breast enhancement products every single day. Just do a simple Google search and you will find a ton of products that you can use to naturally enhance your breasts. And because they are natural, they are much safer to use then other products. Some even guarantee that you will experience biggest breasts within a few months.

Halle Berry has even had a nose job, but we all know that she is beautiful either way. She could have left her nose the way it was and everyone would have loved her just as much.

Can beauty be defined with regard to people? I believe it can. There are two types, actually - physical beauty and spiritual beauty. Physical beauty is subjective - we all want to like what we see in our mirror. That kind of beauty can be bought through plastic surgery, cosmetics, clothes and so on, if you have the money. Physical attractiveness is appealing to the senses, but it's a fake beauty, one based on society's superficial standards.

You also have the choice on the type of breast implant surgery you prefer. This may include the rounding breast surgery where you have an implant put in for enhancement of the breast to round it out more. There is also the anatomical breast surgery that will provide you a more natural looking breast than you had before. Whichever one is used will depend on what you want done to the breast.

It is very worrying to me that our society is so hung up on what is "artificial" and not what is natural. Beautiful teenage girls don't believe that they are, they go on crash diets, have eating disorders, get lipo or nose jobs and Girls in middle school are wearing revealing clothes and too much makeup.

Most women get breast augmentation because they want to be a little bigger, a litter perkier, or more proportionate. Maybe Mother Nature was not as generous with your chest! However, incorrectly sized breast augmentation can have negative side effects.

The best benefit of using restylane is that the method is not surgical at all. It is a non-invasive technique where a natural substance is injected into the face. The natural substance is the one that you lose over time.

If you are planning to try Breast Actives, you must prepare yourself. For one, you must remember that the product will not work the same way for everyone. While your friend may have seen an increase of three bra cup sizes, you may only see one. The results will vary not only according to your lifestyle and your body but also according to your genes. Depending on your medical history, you may experience different results than another woman. Therefore, if you are planning to use this herbal product, do not rush. Be patient and carefully monitor your progress.

Sunday, 4 May 2014

Think About Credit Card Processing As You Are Someone

Purchasing a car might be stressful, particularly when you are short of funds or have no idea where to turn for financing. Car financing makes it conceivable for you to locate the car you want, when you want it and finance at terms that you can live with. There are so many options in today's finance world. Going on the internet for financing is an outstanding way to take a search and locate a good deal and get the money you need quickly. The process of acquiring a loan for a car is simplified on the internet. The internet brings many advantages to you the consumer when it comes to your car financing needs.

There are two kinds of savings bonds: I bonds and EE bonds. Originally, savings bonds were created to finance the involvement of the US in the First World War. They are bonds that are non-market securities. This means that savings bonds can not be bought and sold in the bond market.

The best thing I like about prepaid cards is that you're able to control your spending. Like a gift card, you can only spend what's on the card. If you don't have enough, you can't spend it! It's going to be that simple.

Now before you start whining..."but I saw 'em online for only .95..." Yes, anything and everything can be bought online at a bargain price, for those who are willing to search high and low and use a on his web page...BUT...Many People Will NOT Do This! The ones who will, are NOT your prospects, anyway!

Spending less on luggage is not always a good idea. Quality luggage is built to last. Purchasing cheap luggage every few years rather than investing in the good stuff may not be wise. A broken piece of luggage may also cause loss of belongings and stress on vacation. Avoid the bargain rack and think long term investment.

When you think of the kiosks, you can't really think of perk besides getting that t-shirt. Let's face it. You're not going to be able to read the terms and they always supply you with a t-shirt that doesn't even fit. So the question is, is it worth it in the end?

There are other variations of the 80-20 loan. There are the 80-15-5 loan and the 80-10-10 loan where 80% loan is the first mortgage, the 15% loan is the piggyback loan with a 5% down payment or 80% is the first mortgage, 10% is the piggyback loan with a 10% down payment.

RPCMiner is far easier to run - you simply click an icon and enter some data - and each have very rudimentary, text-based interfaces. Operating Diablo on my iMac has not had much effect on application efficiency under OSXalthough it does slow down my Windows 8 machine substantially.

The credit card industry is a multi-billion dollar business. Competition for market share has kept up with the times, and that means using the internet to lure more clients. You as a consumer can use this tool to your advantage, and it won't be that easy. But it will certainly be worth it, if you get the hang of it. Just remember your goals why you're getting that plastic money in the first place, and try to do your homework.

Investigating Straightforward Solutions In Gold Investing

Are you magnetized by the profits earned by investors in the Indian stock market? Do you also want to be part of the game? So, you are employed in some good job and yet you want extra bucks to meet your humdrum luxury needs. It is but true that corporates, professionals, students, homemakers, and the like have made big money in no time turning millionaires in the Indian share market. Do not be driven by the notion that for investing in a share in India all you need to do is put in your money. There are numerous factors involved. It is very important to follow each and every factor if you want to carve a niche and experience a win-win situation often. What are the factors that determine the success of investors in the Indian share market? Let us delve each key factor one by one.

There's one thing that you should understand before moving the standard retirement program into a gold 401k program. You may need the assistance of the gold company to make this happen. You need to know more about the ins and outs of continued. You should know about the advantages and disadvantages so that you can be familiar with how your asset works.

With the U.S. national debt is $ 14400000000000 U.S. dollars (a 14,500,000,000,000!). This number is increasing from $ 500,000 during the 10 seconds the price! Debt for every citizen in the country is $ 46,210!

There are more gold buyers than there are sellers. I am not just referring to individuals either, although this is true. I recently read an account where the travelers were in retail shops in China and there are floors where retail gold of all types are sold to the bars and gold coins specifically, and it was wall to wall, elbow to elbow people, and they were not just looking - they were buying.

As I learned more about commodities, I understood why most of Main Street avoided investing in this area. Investing in mining companies have too many moving parts. Not only are you concerned about the company's fundamentals, but direction of the commodity itself plays a major factor. Gold stocks seldom go up if the gold itself is trending down. There is also political risk. Gold is found in all parts of the world and sometimes the governments play by their own rules. Every now and then, a non-mining friendly government seizes a mine after companies have invested millions in development. Unfortunately, there are many more factors affecting the price Gold. In Adam Hamilton's latest essay, he list 10 factors affecting Gold's price.

You will never pay for those additional amounts if you purchase the products in big quantities. For example, purchasing an ounce of gold coins will carry just a small premiums over the original cost. You can get the lowest premium if you get products in large quantities.

A home bar can be an excellent investment in your home overall. However, to make this the case, you do need to consider what you install and who does the work. Invest in quality now and the system will last for years. Take the time to consider an addition like this to your home as long as you are going to appreciate it and use it.

Thursday, 1 May 2014

Why Bank Mis Sold Ppi You R

But before looking for a cheap loan you should not only consider the low interest rates, but you should also consider the other factors like arrangement fees, which can make a significant difference.

Well, have they told you about any redemption penalties that you may have to also pay in addition to the specified monthly repayments should you have the audacity to repay the loan early? What about PPI claim forms? They may insist that you have to take that out with them too in the event that you find yourself temporarily unable to meet your repayments. Have you factored that into your loan quotes?

PPI benefits There is no question, credit cards can run away with you, and before you know where you are you are deep in debt. You have no control over the interest you are being charged, and the only way to put an end to the spiral of debt is to pay the card off, which is easier said than done.

In fact, the financial services authority ruled that most of the lenders wrongfully sold these PPI policies. They have started fining the banks and lenders for selling these policies that are expensive and offer little protection to the consumer. The good news is that you may be entitled to excess payments to your lender. There are many reasons to look for the payment protection refunds and the most obvious is if you felt pressured into taking out PPI. In most of the cases, you cannot get your loan approved, if you did not have the lenders PPI. Other reasons may include, if you were not aware of the real cost or thought it was included in the loan.

However, do not depend on the bank to accept your request for Immigration status is not factor in how car accident claims for benefits are handled. Banks usually refuse such refunds. Nevertheless, many banks now have started to take PPI reclaims seriously in order to avoid cases in the courts. In fact, banks have set aside special funds to compensate the loan customers who were mis sold the insurance. This has especially happened after millions of mis selling cases came up in the courts.

Go through all your loan agreements to determine if you have paid PPI. If you don't have the agreement at home, the lender is obliged to provide you with one.

Get started with a claims expert on its website by offering some necessary information about your loan and the policy. These experts fight your PPI claims case with the bank successfully without taking any fees in advance. You can have the refunds soon.

Will Your Bank Assistance In Ppi Examples?

A PPI Re-Claim is much simpler than a PPI Claim, and much, much more likely to be successful. A PPI Re-Claim is a legal process to establish how the PPI policy was mis-sold in the first place by the finance company's sales person (who also sold the loan), and to get the lender to pay back the premiums paid by the borrower in respect of the PPI Policy.

Still, if your bank refuses to oblige, you have even smoother way for click here. Approach an online claims site on Internet. Many online claims experts can be found easily. These sites dedicate their services entirely to win your PPI reclaim cases, and millions of people have benefited from them.

Estimates state that around 70% of the UK may have been mis-sold a PPI policy at some point, before the regulators got involved the practice had become totally endemic to the industry. PPI was seen as something which could be sold as standard with all types of lending, requiring customers to actually opt out of it. Advice given often made this difficult to do, or was misleading regarding the cover PPI actually provides.

Another way people are misled into purchasing the policy is simply through the form used to sign up for the loan. Some documents require the customers to tick off a box stating that they choose not to avail of the policy. Government bodies firmly discourage selling the insurance this way. The majority of people overlook this, and end up getting the policy without much consideration.

The other method is to check the contingency fees and to try to save as much amount as you can. Some fees are there that you cannot avoid at all. Like, if you apply for secured Cheap car loan, you have to pay the collateral assessment cost. But certain fees are there that you can do away with. For example you can take the case of PPI claim forms (PPI). If do not find it necessary then don't go for PPI.

If you think you may have PPI benefits, you need to see how much you are paying for it. Write to your lender and ask if you have the insurance and how much it is costing. If you have a monthly policy, you can cancel it instantly. However, if you have a single premium policy, it is slightly more complicated.

How can an online PPI calculator help? If you have taken out a loan in the past few years, you likely have some form of PPI coverage attached to your payments. You can estimate how much you can get back by using a PPI calculator. Many people find they may get back large amounts they did not anticipate. Different loan types often come with different PPI amounts. Some unsecured loans have PPI of around 13% while a hire purchase for a car could carry up to 56% in PPI costs. With a good PPI calculator, you can get an idea of how much you can reclaim. Claims advisory groups use 20% as an estimate in many cases.

^ "Liquidity Support Facility for Northern Rock plc - Tripartite Statement by HM Treasury, Bank of England and Financial Services Authority". Bank of England. 2007-09-14. Retrieved 2008-02-20.

So, get started with an attorney to claim Abbey PPI claims in hassle free manner without incurring the costs in fighting the legal battle with the bank.