Based on checking the website Severerpmsadjusters.com, while it presents itself as a training platform for independent adjusters with various courses and resources, several critical elements typically found on trustworthy, professional websites are either missing or underdeveloped.
This raises concerns about its overall legitimacy and comprehensive support for aspiring adjusters.
Here’s an overall review summary:
- Overall Trust Score: Low
- Business Transparency: Lacking clear legal entity information, physical address, or extensive company history.
- Website Professionalism: Design appears somewhat dated, and content organization could be improved for clarity.
- Customer Support: Contact options are present but lack immediate or detailed support channels.
- Course Content Depth: Descriptions are brief. a more detailed curriculum breakdown and sample materials would enhance trust.
- Third-Party Verifications: No clear accreditations, partnerships, or external reviews are prominently displayed.
- Ethical Considerations: While the service itself claims adjusting training is permissible, the website’s lack of full transparency and detailed information raises general ethical concerns regarding trust and reliability.
The site primarily focuses on selling training courses for independent insurance claims adjusters, covering topics like claims proficiency, property inspection, and Xactimate/Symbility software.
It offers various course bundles and individual classes, including a “try before you buy” free offer.
|
0.0 out of 5 stars (based on 0 reviews)
There are no reviews yet. Be the first one to write one. |
Amazon.com:
Check Amazon for Severerpmsadjusters.com Review Latest Discussions & Reviews: |
The “About Us” section emphasizes a mission rooted in faith, aiming to help individuals restore lives after catastrophe, which is a noble goal.
However, for a service that impacts people’s livelihoods and professional development, the level of transparency and detail expected from a truly reliable platform is notably absent.
While the core service of providing training for insurance adjusters is not inherently problematic from an ethical standpoint, the absence of robust company information, detailed course outlines, verifiable credentials, and clearer insights into the instructors’ specific qualifications beyond generic titles significantly diminishes its perceived trustworthiness.
For those seeking professional development, investing in platforms with clear, established reputations and comprehensive transparency is paramount.
Here are some best alternatives for professional development and online learning platforms:
-
- Key Features: Wide range of courses, specializations, and degrees from top universities and companies. peer-graded assignments. certificates upon completion.
- Price: Many free courses available. paid specializations/degrees vary from $39-$99 per course to several thousands for degrees.
- Pros: High-quality content, reputable institutions, flexible learning.
- Cons: Some courses can be expensive, not all courses offer direct job placement.
-
- Key Features: Non-profit online learning platform founded by Harvard and MIT. offers university-level courses in a wide range of disciplines. professional certificates and MicroMasters programs.
- Price: Free audit track for many courses. verified certificates from $50-$300. programs vary.
- Pros: Academic rigor, diverse subjects, reputable partners.
- Cons: Less hands-on application for certain skills compared to vocational training.
-
- Key Features: Vast library of courses focused on business, creative, and technology skills. taught by industry experts. integrates with LinkedIn profiles.
- Price: Subscription-based, typically around $29.99/month or $19.99/month billed annually. often includes a free trial.
- Pros: Practical, industry-relevant content, excellent for career development, easy integration with professional networking.
- Cons: Primarily subscription-based, less academic than university platforms.
-
- Key Features: User-generated content with courses on almost any topic imaginable. lifetime access to purchased courses. frequently offers sales.
- Price: Varies widely, often $10-$200 per course, but frequent discounts make them very affordable.
- Pros: Huge variety, affordable, learn at your own pace.
- Cons: Quality can vary significantly between instructors, no formal accreditation.
-
- Key Features: Subscription-based platform focused on creative and practical skills. project-based learning with community interaction.
- Price: Subscription-based, typically around $14-$32 per month. free trial often available.
- Pros: Great for creative fields, hands-on projects, supportive community.
- Cons: More focused on skills than formal certifications, requires continuous subscription.
-
- Key Features: Offers free online courses and certifications in digital marketing, career development, and data science. many courses are certified by leading institutions.
- Price: Free.
- Pros: Free, high-quality content, recognized certifications for some courses.
- Cons: Limited to digital skills and specific career development areas.
-
Project Management Institute PMI For project management-specific skills
- Key Features: Global leader in project management training and certification PMP, CAPM, etc.. resources, standards, and community for project professionals.
- Price: Varies significantly based on membership, course, and certification exam fees e.g., PMP exam approx. $555 for non-members.
- Pros: Industry-standard certifications, extensive resources, strong professional network.
- Cons: Niche-specific, can be expensive for certifications.
Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.
IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.
Severerpmsadjusters.com Review & First Look
Based on an initial assessment of Severerpmsadjusters.com, the website positions itself as a training provider for independent insurance claims adjusters, focusing on catastrophe claims processing.
The design appears functional, though somewhat dated, and the navigation is relatively straightforward, with clear links to courses, team information, testimonials, and contact details.
However, a significant gap in transparency and professional detail immediately becomes apparent.
While the site emphasizes “Helping People Help People” and a mission rooted in faith, the practical, verifiable information crucial for establishing trust in a professional training provider is sparse.
Website Design and User Experience
The website’s visual appeal is moderate. Vikinguprising.com Review
It utilizes a clear layout but lacks the modern, intuitive design elements often found on leading online education platforms.
Navigation is present, but the overall user experience could be enhanced with better content organization, a more dynamic interface, and clearer calls to action beyond just “Enroll Now.” The consistent branding, while present, doesn’t fully compensate for the basic aesthetic.
Initial Trust Signals or Lack Thereof
Trust signals are vital for any online service, especially one offering professional training.
On Severerpmsadjusters.com, these signals are notably weak.
There’s no prominent display of official business registration details, a physical address, or clear legal disclaimers beyond a basic privacy policy. Ablerepairservices.com Review
While the mention of “Robert Willars CEO/ Founder” adds a personal touch, the lack of third-party accreditations, industry partnerships, or verifiable external reviews on independent platforms diminishes confidence.
Claims Handling and Indemnity Focus
The site repeatedly mentions “Claims Handling” and “Indemnity” as core aspects of their service and training.
They state their approach is “to restore insureds to pre loss condition,” which aligns with the general goal of insurance adjusting.
The emphasis on efficiently indemnifying insureds in their time of catastrophe is commendable.
However, the exact methodology or specific principles taught to achieve this are not detailed, leaving a gap for potential students who need to understand the depth and breadth of the curriculum. Codeinterview.io Review
Missing Key Information & Transparency Concerns
A critical aspect of evaluating any online service, especially one offering professional training, is the level of transparency it provides.
Severerpmsadjusters.com falls short in several areas that are typically expected from a reputable educational platform.
These missing details can significantly impact a user’s trust and ability to make an informed decision about investing in their courses.
Lack of Detailed Business Registration
A professional business, particularly one operating online and offering paid services, should clearly display its legal entity information.
This includes the full registered business name, corporate structure e.g., LLC, Inc., and possibly a business registration number. Agrtechnologies.com Review
Severerpmsadjusters.com provides none of this information on its homepage or linked pages like “About Us” or “Contact Us.” This absence makes it difficult to verify the legal standing and legitimacy of the organization.
Absence of Physical Address
While online businesses can operate remotely, a physical address often lends credibility, especially for services that involve significant financial investment or professional development.
Severerpmsadjusters.com does not list a physical business address anywhere on its website.
This lack of a tangible location can be a red flag for potential customers seeking recourse or verification in case of issues.
Limited Instructor Biographies and Credentials
The “Meet the Team” section introduces “Robert Willars CEO/ Founder/ Xactimate / Symbility Trainer Commercial and Residential Independent Adjuster State Certified General Contractor State Certified Building contractor FAA Licensed UAV Pilot” and “Robert Willars Vice President/ Xactimate Trainer Admin Team Lead Adjuster Team lead Residential Independent Adjuster State Certified General Contractor.” While these titles are listed, detailed biographies, specific industry experience, years of practice, or verified certifications are not readily available. Arthurmurraywhitefishbay.com Review
For a training academy, the expertise and proven track record of instructors are paramount, and generic titles without depth are insufficient.
Vague Testimonials and Review Process
The website features a “Testimonials” section, stating “What others are saying who have been trained by one of our trainers.” While some sites display testimonials, the lack of context, specific names, dates, or a clear mechanism for independent verification raises questions.
Are these testimonials curated? Are they from real, verifiable students? Without external links to review platforms or a transparent review submission process, their credibility is limited.
Severerpmsadjusters.com Features
Severerpmsadjusters.com offers several features aimed at individuals aspiring to become independent insurance claims adjusters or enhance their existing skills.
The core offerings revolve around online courses and resources designed to prepare students for field work and claims processing. Jupitermarketingagency.com Review
Online Course Catalog
The website prominently advertises “Online Classes Available Now!” with a catalog accessible through a dedicated link.
The courses cover essential aspects of claims adjusting:
- Severe RPMS Adjuster Academy Bundle of all Classes: A comprehensive package priced at $899.00.
- Claims Proficiency: A 3-part series focusing on understanding the claims process, payment structure, receiving claims, documenting first contact, efficient routing, scheduling, and setting insured expectations, priced at $150.00.
- Comprehensive Inspection Of the Loss Property: Covers inspecting and photo-documenting roof, exterior, and interior damage, along with sketching interior layouts, priced at $350.00.
- Xactimate Proficiency Level 2 prep Quality: Teaches how to use Xactimate from both adjuster and contractor perspectives, including sketching roofs/interiors, using satellite imagery, writing comprehensive estimates, and processing supplements/revisions, priced at $350.00.
- Symbility Proficiency: Similar to Xactimate proficiency but for Symbility software, covering sketching, estimating, reporting, and processing payments, priced at $250.00.
- Xactimate Macros Industry Standard: Priced at $75.00.
- Symbility Batches Industry Standard Macros: Priced at $75.00.
“Try Before You Buy” Free Offer
A notable feature is the “Free Offer” to “try one of our online classes before you buy it.” This allows prospective students to sample “part 1 of a 3 part Claims Proficiency Class.” This is a positive aspect as it provides a low-risk way for users to experience the teaching style and platform before committing financially.
However, the extent of the free content is limited, and a broader trial might be more beneficial.
Adjuster Resources and Gear
Beyond training, the site lists “Adjuster Resources” which includes the “Claims Proficiency Part 1 Try Before You Buy” free offer. Unitedstatesrealestateinvestor.com Review
Additionally, it promotes “Severe Merch/ Gear” for “Claims Academy Gear and Merch,” linking out to a Streamlabs merchanidse store.
While merchandise is not a core educational feature, it attempts to build a community and brand presence.
The availability of specific macros for Xactimate and Symbility indicates a focus on practical, industry-standard tools.
Severerpmsadjusters.com Cons
While Severerpmsadjusters.com attempts to provide valuable training, several significant drawbacks and missing elements could deter potential students and raise concerns about the platform’s overall quality and reliability.
Lack of Accreditation and External Verification
One of the most critical missing pieces is any mention of official accreditation or recognition from established educational bodies or industry associations. Valere.io Review
For a training program that purports to prepare individuals for a professional career, accreditation offers a stamp of approval regarding curriculum quality, instructor qualifications, and educational standards.
Without it, students cannot verify if the training meets industry benchmarks or is recognized by potential employers.
There are no links to industry partnerships or external review platforms like Trustpilot or Google Reviews, which would provide unbiased third-party verification of student satisfaction and outcomes.
Insufficient Course Detail and Curriculum Transparency
While course titles and brief descriptions are provided, a detailed curriculum breakdown for each course is largely absent.
Prospective students cannot see a module-by-module outline, learning objectives, estimated completion times for individual modules, or specific skills acquired. Gopaveutah.com Review
This lack of transparency makes it difficult to assess the depth and breadth of the training and compare it meaningfully with other programs.
There are no sample lessons, quizzes, or assignments provided to give an insight into the teaching methodology or expected rigor.
Limited Support Channels and Community Features
The “Contact Us” page provides a basic contact form and email.
However, there’s no mention of direct phone support, live chat, or dedicated student support hours.
For online learning, especially in a complex field like claims adjusting, robust support is crucial for addressing technical issues, course-related questions, or career advice. Stormhost.io Review
While the site mentions “To support our inclusive community of adjusters we provide a personal approach,” there’s no visible forum, dedicated student portal with community features, or alumni network advertised.
This absence limits opportunities for peer-to-peer learning and ongoing professional development.
Vague Career Support and Outcomes
The website states, “Join Our 2025 Deployment Roster” and mentions a “2025 Networking Conference.” While this hints at career support, the specifics are vague.
There’s no data on job placement rates, average earnings of graduates, or partnerships with insurance companies or adjusting firms for placement assistance.
The value proposition for career progression is not clearly articulated beyond general promises of “success” and “fulfillment.” Concrete evidence of how their training translates into successful careers is absent. Lavoltage.com Review
Severerpmsadjusters.com Pricing
Severerpmsadjusters.com outlines its pricing structure for various online courses, primarily offering individual classes and one comprehensive bundle.
The pricing is fixed and displayed clearly alongside each course description.
Course Bundle Pricing
The most comprehensive option is the “Severe RPMS Adjuster Academy Bundle of all Classes” priced at $899.00. This bundle is positioned as the complete package for aspiring adjusters, intending to cover all the necessary skills and software proficiencies offered by the academy.
Individual Course Pricing
For those who may not need the full bundle or wish to focus on specific skills, Severerpmsadjusters.com offers several individual courses:
- Claims Proficiency: This three-part series is available for $150.00. It focuses on the fundamental understanding and execution of the claims process.
- Comprehensive Inspection Of the Loss Property: Priced at $350.00, this course details the practical aspects of inspecting and documenting property damage.
- Xactimate Proficiency Level 2 prep Quality: For $350.00, students can learn how to effectively use Xactimate, a widely used estimating software in the insurance claims industry.
- Symbility Proficiency: Similar to Xactimate training, this course focuses on another key estimating software, Symbility, and is priced at $250.00.
- Xactimate Macros Industry Standard: Available for $75.00, this provides specialized tools for Xactimate users.
- Symbility Batches Industry Standard Macros: Also priced at $75.00, offering similar macro tools for Symbility.
Free Trial Offer
The website also highlights a “Free Offer” to “try one of our online classes before you buy it.” Specifically, users can access “Part 1 of a 3 part Claims Proficiency Class” at no cost. Growfactorllc.com Review
This serves as a sample of their educational content and teaching style, allowing potential students to gauge suitability before making a financial commitment.
How to Cancel Severerpmsadjusters.com Subscription / Free Trial
While Severerpmsadjusters.com offers various courses, the website does not explicitly detail a subscription model for its core training, as courses appear to be purchased individually or as a one-time bundle.
However, if a user has signed up for the “Free Offer” or any account-related service, understanding how to manage or cancel their access is important.
Cancelling the Free Offer
The “Free Offer” for “Claims Proficiency Part 1” is presented as a trial access rather than a recurring subscription.
Based on the website’s structure, this is likely a one-time access grant that simply expires or remains available without further action required. Robuscapharma.com Review
There is no indication of an automatic enrollment into a paid service after the free trial.
Users typically gain access to the free module, and no cancellation process would be necessary as it does not involve recurring billing.
Managing Account and Orders
The website includes “My Account” and “Orders” links in its navigation.
Users who have purchased courses would manage their access and review their orders through these sections.
- My Account: This section would typically allow users to view their profile, change passwords, and manage their purchased content.
- Orders: This link would display a history of purchased courses.
- No Explicit Cancellation Policy for Courses: Since courses are sold as one-time purchases rather than subscriptions, there is no explicit “cancellation policy” for ongoing payments. The focus would rather be on a refund policy, if any, for purchased courses. However, no refund policy is prominently displayed on the homepage or easily accessible through direct links. Potential students would need to inquire directly via the contact form about their refund terms before purchase.
Contacting Support for Account Issues
For any account-related issues, including concerns about access or potential charges, the primary method for contacting Severerpmsadjusters.com is through their “Contact Us” page. This typically involves: Cabanaslawfirm.com Review
- Contact Form: Filling out an online form with your query.
- Email: The site likely has an email address for support, though it’s not prominently displayed on the main page. Users would need to navigate to the contact section to find it.
Given the lack of a clear subscription model or a refund policy on the main pages, users considering a purchase should directly contact the support team to understand their terms of service regarding access, refunds, and any potential recurring charges, though the latter appears unlikely based on the current presentation.
Severerpmsadjusters.com vs. Competitors
When evaluating Severerpmsadjusters.com against its competitors in the online claims adjuster training market, several key distinctions become apparent, primarily concerning transparency, course depth, and industry recognition.
The market for adjuster training is competitive, with a range of providers offering everything from basic licensing courses to advanced software training and career placement services.
Transparency and Credibility
- Severerpmsadjusters.com: As discussed, the website lacks significant transparency regarding business registration, physical address, and detailed instructor credentials. There’s no clear accreditation or third-party verification of course quality or student outcomes. Testimonials are present but not independently verifiable.
- Industry Leaders e.g., AdjusterPro, The Adjuster School, Kaplan Financial Education: These platforms typically boast clear business information, physical locations, extensive instructor bios with verifiable industry experience, and prominent displays of accreditations e.g., state-approved CE providers, IICRC-approved courses. Many have been in business for decades, building a strong reputation, and feature extensive, verifiable student success stories and partnerships.
Course Depth and Breadth
- Severerpmsadjusters.com: Offers individual courses and a bundle covering claims proficiency, property inspection, Xactimate, and Symbility. The descriptions are somewhat brief, leaving questions about the curriculum’s depth and the specific learning outcomes.
- Industry Leaders: Often provide a more comprehensive curriculum, including:
- Licensing Courses: Specific courses designed to meet state licensing requirements, including exam prep.
- Advanced Modules: More granular training on specific types of claims e.g., commercial, auto, marine, legal aspects, ethical considerations, and soft skills e.g., communication, negotiation.
- Software Training: While Severerpmsadjusters.com covers Xactimate and Symbility, leading competitors often have deeper, more interactive modules, sometimes with integrated software trials or direct support for software usage.
- Field Training/Apprenticeships: Some providers offer hands-on field training or mentorship programs, which are crucial for practical experience.
Career Support and Networking
- Severerpmsadjusters.com: Mentions a “2025 Deployment Roster” and a “Networking Conference,” suggesting some level of career support. However, specific job placement statistics, recruitment partnerships, or a structured career services department are not evident.
- Industry Leaders: Often provide robust career services, including:
- Job Boards and Placement Assistance: Direct connections with insurance carriers and independent adjusting firms.
- Resume and Interview Coaching: Dedicated resources to help students prepare for job applications.
- Active Alumni Networks: Strong communities for networking and ongoing professional development.
- Deployment Opportunities: Clear pathways and partnerships for students to gain deployment experience after training.
Pricing Structure
- Severerpmsadjusters.com: The pricing for individual courses $75-$350 and the bundle $899 seems competitive or even slightly lower than some premium providers.
- Industry Leaders: Prices can vary significantly. Some basic licensing courses might be similar, but comprehensive packages with advanced training, certifications, and career support can range from $1,000 to several thousands of dollars, reflecting the additional services and established reputation.
In summary, while Severerpmsadjusters.com offers fundamental adjuster training, it lags behind established competitors in terms of transparency, depth of curriculum detail, verifiable accreditation, and comprehensive career support.
For individuals serious about a career in claims adjusting, investing in a provider with a proven track record, robust support infrastructure, and clear industry recognition would generally be a more reliable choice. Miamiturfcleaning.com Review
FAQ
How do I become an adjuster?
Becoming an adjuster typically involves obtaining a state license in the state where you intend to practice.
Requirements vary by state, but generally include completing pre-licensing education, passing a state exam, and undergoing a background check.
After licensing, specialized training in claims handling and software like Xactimate or Symbility is often necessary.
What is an independent adjuster?
An independent adjuster is a self-employed claims professional who works for multiple insurance companies on a contract basis, rather than being an employee of a single insurer.
They are often deployed to handle claims, especially after catastrophic events, and are compensated per claim or on a daily rate.
What is Xactimate?
Xactimate is a widely used software platform in the insurance and restoration industry for estimating property damage.
It allows adjusters and contractors to create detailed, itemized estimates for repairs, helping to standardize the claims process.
What is Symbility?
Symbility is another software solution used by insurance professionals for claims estimating and processing, similar to Xactimate.
It offers tools for sketching, estimating, and managing claims, providing an alternative or supplementary option for adjusters.
What is catastrophe claims processing?
Catastrophe claims processing refers to the handling of a large volume of insurance claims that result from a widespread natural disaster or catastrophic event, such as hurricanes, floods, wildfires, or tornadoes.
It requires specialized skills for rapid assessment, efficient documentation, and high-volume claim management.
How long does it take to become an adjuster?
The time it takes to become an adjuster can vary.
Obtaining the state license can take anywhere from a few weeks to a couple of months, depending on the state’s requirements and your study pace.
Additional specialized training and gaining initial field experience can extend this timeline to several months to a year.
Do I need prior experience to become an adjuster?
No, prior experience is not always required to become an entry-level adjuster.
Many training programs, like those offered by Severerpmsadjusters.com, are designed for individuals with no previous adjusting background.
However, practical experience through mentorships or entry-level deployments is crucial for long-term success.
What is the average salary of an independent adjuster?
The salary of an independent adjuster varies significantly based on experience, location, type of claims handled, and deployment frequency.
During catastrophe deployments, adjusters can earn substantial income.
Annually, an experienced independent adjuster could potentially earn anywhere from $60,000 to over $100,000+, but income can be inconsistent without regular deployments.
What tools do I need for adjusting claims in the field?
Essential tools for field adjusting include a reliable vehicle, a smartphone or tablet with estimating software Xactimate/Symbility, a laptop, a camera, a ladder, safety gear hard hat, reflective vest, measuring tools tape measure, laser distance meter, and personal protective equipment.
Is adjuster training expensive?
Adjuster training costs vary.
Basic pre-licensing courses can range from a few hundred dollars to over a thousand.
Comprehensive bundles that include software training and advanced topics, like the one offered by Severerpmsadjusters.com $899, can be more. It’s an investment in a potential career.
How do I get deployed as an independent adjuster?
To get deployed, independent adjusters often register with various independent adjusting firms IA firms. These firms maintain rosters of adjusters and dispatch them to areas affected by catastrophes.
Networking, having diverse licenses, and ongoing training can increase deployment opportunities.
What is a “Deployment Roster”?
A deployment roster is a list maintained by an independent adjusting firm or training provider, comprising adjusters available for deployment to handle claims.
Being on a roster means you are ready and available to be dispatched when claims volume increases, particularly after catastrophic events.
What is the “Networking Conference” mentioned on the website?
The “Networking Conference” mentioned on Severerpmsadjusters.com is likely an event designed to connect aspiring adjusters with industry professionals, independent adjusting firms, and potential mentors.
Such conferences offer opportunities for learning, professional development, and establishing valuable contacts.
What is “Indemnity” in claims handling?
In insurance, indemnity means restoring the insured to the financial position they were in immediately before the loss occurred, without allowing them to profit from the loss.
It’s a fundamental principle of insurance, aiming to make the claimant “whole” again.
Are there free resources for adjuster training?
Some providers, like Severerpmsadjusters.com with its “Try Before You Buy” offer, provide free sample classes.
Additionally, industry associations, online forums, and some state insurance departments may offer free guides or basic information, but comprehensive training typically comes at a cost.
How important is Xactimate/Symbility proficiency?
Xactimate and Symbility proficiency are highly important for adjusters.
These software programs are industry standards for estimating property damage and writing reports.
Employers often require adjusters to be proficient in at least one, if not both, for efficient claims processing.
What are Xactimate Macros and Symbility Batches?
Macros and batches are pre-set templates or shortcuts within Xactimate and Symbility software.
They help adjusters quickly generate estimates by automating common tasks, inserting standard line items, or applying specific pricing rules, thus increasing efficiency and consistency.
What is a “State Certified General Contractor” in the context of an adjuster trainer?
A “State Certified General Contractor” designation for an adjuster trainer indicates that the trainer has official licensing and expertise in general construction.
This background is valuable for teaching claims adjusting, as it provides a deep understanding of property damage, repair methods, and construction costs, which are crucial for accurate estimating.
What is the role of Quality Assurance in claims adjusting?
Quality Assurance QA in claims adjusting involves reviewing completed claims files to ensure accuracy, compliance with company policies, adherence to industry standards, and proper documentation.
A QA manager, like Renee Farmer mentioned on the site, ensures that adjusters are submitting high-quality work.
How do I verify the legitimacy of an online training platform?
To verify the legitimacy of an online training platform, look for clear business registration details, a physical address, verifiable instructor credentials, official accreditations, and transparent reviews on independent third-party sites.
Check for a detailed curriculum, robust student support, and a clear refund policy.
Leave a Reply