Bài 10 – Điều khoản loại trừ chung trong icc 1982

Như đã nói ở trên, người bảo hiểm đã đưa phần lớn các loại trừ pháp định vào điều khoản 4 của ICC 1982. Nhiều loại trừ ngoài MIA mà cần thiết theo tập quán cũng được đưa vào. Nói chung, các loại trừ áp dụng chung cho cả ba bộ điều khoản, song nhận thấy rằng loại trừ “tổn thất có chủ tâm” (deliberate damage) (đk 4.7) trong B và C không có ở trong đk A. Sau đây là trích lục ICC 1982 B, cũng được áp dụng cho cả C:

4. Điều khoản loại trừ chung            

Trong mọi trường hợp bảo hiểm này không bảo hiểm cho:          

 4.1 Tổn thất, tổn hại hay chi phí được qui cho hành vi xấu cố ý của người được bảo hiểm.

4.2 Rò chảy thông thường, hao hụt trọng lượng hoặc giảm thể tích thông thường, hoặc hao mòn thông thường ở đối tượng bảo hiểm.

4.3 Tổn thất, tổn hại hay chi phí gây ra bởi đóng gói hoặc việc chuẩn bị của đối tượng bảo hiểm chưa đầy đủ hay không thích hợp (theo chủ ý của điều 4.3 này “đóng gói” phải được coi là bao gồm cả xếp hàng vào container hoặc liftvan nhưng chỉ khi nào việc xếp hàng đó được tiến hành trước khi bảo hiểm này có hiệu lực hoặc tiến hành bởi người được bảo hiểm hay làm công của họ)           

4.4 Tổn thất, tổn hại hay chi phí gây ra bởi nội tì hoặc tính chất của đối tượng bảo hiểm.

4.5 Tổn thất, tổn hại hay chi phí gây ra bởi chậm trễ ngay cả khi chậm trễ do một rủi ro được bảo hiểm (loại trừ) những chi phí được bồi thường theo điều 2 trên)

4.6 Tổn thất, tổn hại hay chi phí phát sinh từ tình trạng mất khả năng tài chính hoặc thiếu thốn về tài chính của chủ tàu, người quản lý, người thuê hoặc người khai thác tàu.

4.7 Chủ tâm gây tổn hại hoặc phá huỷ của đối tượng bảo hiểm hay một bộ phận bất kỳ của đối tượng đó do hành động sai trái của bất kỳ người nào hay những người nào.4.8 Tổn thất, tổn hại hay chi phí xuất phát từ việc sử dụng bất kỳ một loại vũ khí chiến tranh gì dùng tới phản ứng hạt nhân hay nguyên tử hoặc phản ứng khác tương tự hoặc năng lượng hay chất phóng xạ.

một vài lưu ý về các loại trừ chung (notes on General / exclusions)

Điều khoản loại trừ chung xuất hiện ở cả ba bộ ICC 1982 giống như điều khoản 4. Những bình luận sau đây liên quan đến số điều khoản được giải thích đối với mỗi loại trừ. Ta thấy rằng trong mỗi trường hợp (trừ trường hợp điều khoản 4.2 trong  điều khoản A,B và C và điều khoản 4.7 trong điều khoản B và C) loại trừ này áp dụng cho các chi phí được tính vào tổn thất hoặc tổn hại đối với hàng hoá.

Sai trái cố ý của người được bảo hiểm (A,B và C – đk 4.1)

– loại trừ được qui định rõ ràng này nhấn mạnh loại trừ nêu trong mục 55 MIA 1906, đã ghi lại trên đây. Cần lưu ý là dù tổn thất hay chi phí trực tiếp gây ra bởi một rủi ro được bảo hiểm được loại trừ nếu nó có thể quy cho hành động sai trái cố ý của người được bảo hiểm. Điều khoản 1963 cũ qui định là bất kỳ sai trái hay bất cẩn của chủ tàu hay người làm công của họ không phương hại đến quyền đòi bồi thường của người được bảo hiểm về các tổn thất thuộc đơn bảo hiểm này, song quy định ấy không có trong ICC 1982.

Rò chảy thông thường (A,B và C – đk 4.2)

thuật ngữ này thường áp dụng cho sự bốc hơi (evaporation), mà thường là nguyên nhân tự nhiên của tổn thất hàng hoá thể lỏng. Một vài ví dụ như là tổn thất số lượng dầu, hao ngót hàng hạt. Thông thường một mức miễn thường được thoả thuận trước (an agreed allowance) được khấu trừ khỏi số bồi thường đối với tổn thất bộ phận của những loại hàng hóa này để giải thích cho tổn thất tự nhiên.

Tổn thất trọng lượng hoặc khối lượng thông thường (a, b và c- đk 4.2)

Loại trừ “đổ vỡ thông thường” (ordinary breakage) mà xuất hiện trong MIA 1906 nhưng không nằm trong các loại trừ của ICC, nằm trong cả hai thuật ngữ trên. Đây là bổ sung cho loại trừ “rò chảy thông thường” (ordinary leakage) và đảm bảo mọi hình thức tổn thất thương mại (hao hụt) đều bị loại khỏi đơn bảo hiểm này.

Hao mòn thông thường (A, B và C- đk 4.2)

  Thuật ngữ này không thể áp dụng cho nguyên liệu thô hoặc hàng hoá mới chế tạo song được áp dụng cho hàng hoá đã qua sử dụng ( thí dụ máy móc) được bảo hiểm bởi đơn bảo hiểm này. Loại trừ này cho phép người bảo hiểm khấu trừ trên chi phí sửa chữa hay giảm giá thương mại vì lý do người được bảo hiểm được hưởng dụng đồ mới.

Đóng gói không thích hợp (A, B và C- đk4.3)

Trừ khi đơn bảo hiểm quy định cụ thể là sẽ bảo hiểm cả bao bì đóng gói (covers the packaging), không một khiếu nại về thay thế nguyên bao bì đóng gói vị tổn thất được bồi thường trừ khi hậu quả của sự tổn thất này là do một hiểm hoạ được bảo hiểm. Trong trường hợp này thông thường người ta áp dụng một tỷ lệ giảm trị thương mại  cho toàn lô hàng mà không đề cập tới bao bì. Tuy nhiên, nếu chứng minh được tổn thất, tổn hại hay chi phí thật sự do bao bì yếu kém hay không thích hợp thì tổn thất này không được bôì thường theo ICC. Loại trừ này mở rộng ra bao gồm cả chuẩn bị hàng hoá được bảo hiểm không thích hợp. Ví dụ, nếu hàng hoá dễ hư hỏng mà không được xếp lồng vào nhau hoặc đóng gói để chịu được sự vận chuyển thông thường dự định sẽ diễn ra trong quá trình chuyên chở, người bảo hiểm có thể sẽ không chấp nhận bất kỳ khiếu nại nào theo điều khoản A đối với đổ vỡ gây ra trong quá trình chuyên chở. Lưu ý quan trọng là loại trừ này bao gồm cả việc xếp hàng (thường gọi là “đóng hàng”) vào trong công ten nơ hoặc các khay hàng (liftvan). Nó không có ý định loại trừ tổn thất gây ra bởi xếp hàng không tốt khi việc xếp hàng này được thực hiện bởi người khai thác công ten nơ, không phải là người được bảo hiểm, sau khi rủi ro đã xẩy ra. Loại trừ này nhằm mục đích áp dụng trong trường hợp người được bảo hiểm kiểm soát quá trình xếp hàng, chẳng hạn như trước khi vận chuyển, hoạc khi việc xếp hàng do người được bảo hiểm hoặc người làm công cho họ trực tiếp thực hiện.

Nội tì (A, B và C -đk 4.4)

Loại trừ này có trong MIA 1906 và trong điều khoản cũ 1963. Lưu ý quan trọng là loại trừ này chỉ áp dụng cho nội tì hay bản chất tự nhiên của đối tượng được bảo hiểm. Vì vậy, nếu hàng hoá được bảo hiểm được chất cạnh một hàng hoá dễ tự bốc cháy, và hoả hoạn xảy ra do hàng hoá đó tự bốc cháy, hàng hoá được bảo hiểm được bồi thường về tổn thất bởi hoả hoạn nếu bị tổn hại vì lý do này. Nói cách khác, tổn thất vì hoả hoạn do tự bốc cháy không được bồi thường. Hàng hoá dễ bị hư hỏng (perishable goods) bị tổn thất do nội tì theo sau việc giao hàng chậm (thí dụ hoa quả), hư hại này không được đk A bồi thường (xem thêm “loại trừ do chậm trễ” dưới đây).

 

Chậm trễ (A, B và C – đk 4.5)

MIA 1906 quy định là người bảo hiểm không chịu trách nhiệm về tổn thất trực tiếp gây ra bởi chậm trễ, cho dù chậm trễ là do một hiểm hoạ được bảo hiểm. Loại trừ này được diễn tả trong ICC 1982, nhưng nhấn mạnh là tất cả các tổn thất, hư hại hay chi phí đều bị loại trừ (MIA không nói đến “tổn hại” hay “chi phí”). Chú ý quan trọng là vì không có lý do bào chữa là chậm trễ  là do  một hiểm hoạ được bảo hiểm, do vậy nếu tàu chuyên chở bị chậm trễ do đâm va, và chậm trễ gây ra hư hỏng hàng hoá thì không thể khiếu nại đối với đơn bảo hiểm về sự hư hỏng này trên cơ sở quy hợp lý cho đâm va. Loại trừ này không áp dụng cho bất kỳ khoản đóng góp nào mà người được bảo hiểm phải thực hiện đối với chi phí hay hy sinh tổn thất chung.

Mất khả năng thanh toán hay vỡ nợ của người chuyên chở (A, B và C- đk 4.6)

– Loại trừ này được đưa vào ICC để cản người được bảo hiểm giao hàng cho tàu mà người điều hành con tàu này đang gặp khó khăn về tài chính. Nếu được áp dụng một cách khắt khe, loại trừ này có thể áp dụng cho mọi tổn thất của hàng hoá hay các chi phí mà người bảo hiểm phải gánh chịu xuất phát từ việc mất khả năng thanh toán của người chuyên chở. Như vậy, nếu người chuyên chở không thể hoàn tất hành trình và dỡ hàng hoá ở cảng dọc đường, người bảo hiểm sẽ không chịu trách nhiệm về mọi tổn thất gây ra vì việc dỡ hàng này hay việc bốc lại lên một tàu khác, cũng như chi phí chuyển tiếp hàng. Cần ghi nhớ rằng điều khoản “chi phí chuyển tiếp” (forwarding expenses) (điều khoản 12) chỉ được áp dụng cho trường hợp hàng hoá phải dỡ xuống tại một cảng dọc đường vì một hiểm hoạ được bảo hiểm mà hiểm hoạ được bảo hiểm không bao gồm mất khả năng tài chính của người chuyên chở. Có thể là dẫn chiếu đến “vỡ nợ” (financial default) là nhằm vào các trường hợp mà người chuyên chở dùng hàng hoá làm đảm bảo cho các trách nhiệm tài chính đang tồn đọng (outstanding financial liabilities), có lẽ để lại hàng hoá tại cảng dọc đường để giải toả tàu khỏi trách nhiệm về phí cảng. Người chuyên chở dự kiến sẽ quay lại, trả phí cảng, lấy lại hàng hoá và giao; nhưng, nếu tàu bị mất tích trong thời gian đó, người được bảo hiểm có thể mất hàng hoá này mà không thể đòi bồi thường theo đơn bảo hiểm của mình.

Hư hại hay phá huỷ có chủ ý (chỉ B và C thôi- đk 4.7)

Ơ trên đã nói là “chủ tâm” trong đơn bảo hiểm SG không áp dụng cho bảo hiểm hàng hoá. Loại trừ này xác định quan điểm của người bảo hiểm là không bảo hiểm mọi hình thức tổn hại hay phá huỷ chủ ý theo điều khoản B và C nếu không có xem xét hợp lý và một khoản phí phụ. Tuy nhiên, nếu người được bảo hiểm muốn bảo hiểm rủi ro này, anh ta có thể yêu cầu người bảo hiểm. Nếu bảo hiểm này được chấp thuận sẽ được đính thêm điều khoản sau đây:

1/8/82(Chỉ sử dụng đối với mẫu đơn bảo hiểm hàng hải  mới)

Điều khoản bảo hiểm tổn hại do ác ý

 Khi xem xét đến đóng phụ phí, thoả thuận dưới đây là loại trừ “tổn hại chủ ý hay phá huỷ chủ ý đối tượng được bảo hiểm hay mọi phần của nó bởi hành vi sai trái của một người hay nhiều ngườiÕ được coi là được loại bỏ và đồng ý thêm là bảo hiểm này đảm bảo tổn thất hay tổn hại của đối tượng được bảo hiểm gây ra bởi hành vi ác ý, phá hoại nhưng vẫn bị chi phối bởi các loại trừ khác trong bảo hiểm này.

ĐK 266. Do công ty Witherby, London bán

Để mở rộng bảo hiểm các rủi ro bị loại trừ bởi điều khoản 4.7 trong B và C khi cần thiết, bảo hiểm này được mở rộng để bao gồm cả tổn hại do ác ý, phá hoại cố ý và * phá hoại vì mục đích chính trị (sabotage) .  Điều khoản này (đk 266) không áp dụng cho ICC A vì những rủi ro này đã bao gồm trong thuật ngữ “all risks” (mọi rủi ro) và loại trừ này (B đk 4.7) không xuất hiện trong  điều khoản A (* Lưu ý – đk7.3 loại trừ các hành vi chính trị).

Vũ khí hạt nhân (A đk 4.7, B và C đk 4.8)

Tập quán loại trừ tất cả các tổn thất phát sinh từ việc sử dụng vũ khí hạt nhân (hay tương tự) trong mọi hình thức bảo hiểm, và ICC 1982 cũng không là ngoại lệ. Ngay khi điều khoản B và C được xem xét, những rủi ro này chỉ tác động đến bảo hiểm cho cháy hoặc nổ, người ta nghi ngờ là việc sử dụng vũ khí hạt nhân có thể sẽ gây ra tổn thất liên quan đến các rủi ro khác được qui định cụ thể trong điều khoản này. Tuy nhiên loại trừ trong điều khoản A này là cần thiết vì điều khoản loại trừ chiến tranh (đk 6) không thể giải thích là loại trừ tổn thất phát sinh từ việc sử dụng vũ khí hạt nhân mà không gây nguy hiểm (Ví dụ: trong khi thử nghiệm).  Kiểm tra điều khoản chiến tranh sẽ chỉ ra là việc sử dụng nguy hiểm vũ khí hạt nhân được loại trừ khỏi bảo hiểm rủi ro chiến tranh.

732 BÌNH LUẬN

  1. I don’t even know the way I finished up here, but
    I assumed this post was once good. I don’t know who you are however certainly you are going
    to a well-known blogger should you aren’t already. Cheers!

  2. Hey would you mind stating which blog platform you’re using?
    I’m going to start my own blog soon but I’m having a difficult time selecting between BlogEngine/Wordpress/B2evolution and Drupal.
    The reason I ask is because your design seems different then most blogs and I’m looking
    for something completely unique. P.S Apologies for being off-topic but
    I had to ask!

  3. Hi there would you mind stating which blog platform you’re using?
    I’m going to start my own blog soon but I’m having a difficult time selecting between BlogEngine/Wordpress/B2evolution and Drupal.
    The reason I ask is because your layout seems different then most blogs and I’m looking for
    something completely unique.
    P.S Apologies for getting off-topic but I had to ask!

  4. Hi would you mind sharing which blog platform
    you’re using? I’m looking to start my own blog soon but I’m having a tough time making a decision between BlogEngine/Wordpress/B2evolution and Drupal.
    The reason I ask is because your design and style seems different then most
    blogs and I’m looking for something completely unique.
    P.S My apologies for being off-topic but I had to ask!

  5. I wish to point out my admiration for your kind-heartedness in support of women who actually need help on in this situation. Your very own dedication to passing the solution all over appeared to be pretty effective and have constantly permitted most people like me to attain their goals. Your personal interesting help and advice denotes much a person like me and extremely more to my peers. Many thanks; from all of us.

  6. I in addition to my friends happened to be reviewing the nice hints found on your site then unexpectedly came up with a terrible suspicion I had not expressed respect to the site owner for those techniques. The guys became for this reason excited to study them and have now quite simply been taking advantage of these things. Thank you for truly being very considerate and then for making a choice on variety of amazing subjects most people are really desperate to be informed on. Our own sincere apologies for not expressing gratitude to you sooner.

  7. A lot of thanks for all your valuable hard work on this web page. My mom really likes doing investigations and it is simple to grasp why. We all hear all regarding the dynamic ways you render reliable steps on this website and as well as foster response from others about this area of interest plus our favorite princess is truly understanding a lot of things. Take advantage of the rest of the new year. You have been conducting a great job.

  8. I and my guys have been reviewing the excellent tactics located on your web site and at once I had an awful feeling I had not thanked you for those strategies. My boys appeared to be consequently thrilled to study them and have in effect honestly been making the most of these things. Appreciation for truly being very helpful and then for deciding upon these kinds of superior topics millions of individuals are really desirous to know about. Our sincere apologies for not expressing appreciation to you earlier.

  9. Thanks so much for providing individuals with such a special opportunity to discover important secrets from this website. It is always very pleasant plus full of a lot of fun for me personally and my office acquaintances to visit your blog at minimum thrice in 7 days to read through the latest tips you have. And indeed, I am just always contented with all the spectacular information you give. Selected two ideas on this page are easily the finest I’ve ever had.

  10. Thank you a lot for providing individuals with remarkably nice opportunity to discover important secrets from this web site. It is usually very brilliant and packed with a good time for me and my office mates to visit your web site a minimum of three times in a week to read the newest secrets you have got. Not to mention, I am actually pleased with all the stunning thoughts served by you. Some 1 ideas on this page are really the most suitable we have all ever had.

  11. I wish to get across my appreciation for your kind-heartedness giving support to individuals that absolutely need help with the niche. Your special dedication to passing the solution all over appeared to be particularly important and have surely encouraged women just like me to reach their goals. The warm and friendly useful information implies so much a person like me and still more to my office colleagues. Many thanks; from all of us.

  12. I would like to show my appreciation to this writer just for bailing me out of this type of difficulty. Right after surfing around through the world-wide-web and obtaining basics which were not helpful, I thought my entire life was well over. Existing minus the approaches to the problems you have resolved through your entire site is a serious case, and the ones that could have badly damaged my entire career if I hadn’t noticed your site. The capability and kindness in controlling all the things was priceless. I’m not sure what I would have done if I had not come upon such a stuff like this. It’s possible to at this moment look ahead to my future. Thank you very much for your specialized and effective help. I will not be reluctant to recommend your web blog to anyone who requires tips on this issue.

  13. Thank you for your entire effort on this web page. My niece takes pleasure in engaging in investigation and it’s really obvious why. Almost all know all of the powerful ways you provide great guidelines through the website and even welcome participation from the others on that area while our favorite daughter is truly being taught a whole lot. Have fun with the rest of the year. You are always conducting a fantastic job.

  14. I as well as my guys were looking at the good pointers located on your web site and so quickly I got an awful feeling I never expressed respect to you for those tips. All of the guys became as a consequence happy to read them and now have seriously been making the most of those things. Appreciate your simply being very considerate and then for deciding on this sort of exceptional subjects millions of individuals are really needing to learn about. My very own honest apologies for not expressing appreciation to earlier.

  15. My spouse and i felt absolutely more than happy that Michael managed to finish off his research while using the precious recommendations he grabbed out of your blog. It’s not at all simplistic to simply possibly be giving away things which most people may have been making money from. And now we keep in mind we now have the website owner to thank for that. The type of illustrations you have made, the straightforward web site navigation, the relationships you help to promote – it is many extraordinary, and it’s letting our son and our family believe that that idea is amusing, and that is exceedingly vital. Many thanks for the whole lot!

  16. I intended to compose you one little observation in order to thank you over again for these stunning views you’ve contributed on this site. This has been certainly shockingly open-handed of you giving publicly precisely what many people might have supplied for an e book to get some bucks on their own, even more so now that you could possibly have done it if you ever wanted. The advice additionally worked to become a great way to be certain that most people have the identical passion really like mine to know somewhat more with regards to this issue. I believe there are many more fun occasions ahead for individuals who examine your blog post.

  17. A lot of thanks for all your valuable hard work on this blog. My mom enjoys managing research and it is simple to grasp why. I learn all of the lively medium you deliver important tips and tricks through this blog and as well as welcome participation from website visitors on the concept then my simple princess is without a doubt being taught so much. Take advantage of the remaining portion of the year. You are doing a very good job.

  18. I’m just writing to let you be aware of of the exceptional discovery my girl experienced reading your webblog. She noticed so many pieces, which included what it is like to possess a marvelous coaching nature to get others without problems learn about some complicated topics. You actually did more than my desires. Many thanks for coming up with the beneficial, healthy, educational not to mention unique guidance on that topic to Evelyn.

  19. I definitely wanted to write down a quick comment to thank you for those great concepts you are showing here. My rather long internet lookup has finally been compensated with reasonable strategies to talk about with my visitors. I would admit that we visitors actually are truly fortunate to dwell in a useful place with so many marvellous people with helpful secrets. I feel quite privileged to have used your web pages and look forward to many more pleasurable minutes reading here. Thanks a lot again for a lot of things.

  20. Thank you so much for giving everyone such a superb possiblity to read in detail from this website. It really is so enjoyable and stuffed with fun for me and my office colleagues to visit your site at a minimum thrice every week to read the new items you have got. Of course, we’re certainly impressed for the cool techniques you give. Certain 1 ideas in this article are completely the most effective we’ve ever had.

  21. I actually wanted to post a quick comment in order to express gratitude to you for all the stunning tips you are writing on this website. My time-consuming internet search has finally been honored with sensible suggestions to talk about with my guests. I would believe that many of us visitors actually are unquestionably lucky to exist in a magnificent network with very many lovely people with good principles. I feel extremely blessed to have come across the website page and look forward to so many more brilliant minutes reading here. Thanks once more for a lot of things.

  22. My wife and i have been really comfortable when Raymond managed to do his inquiry through the ideas he made through your weblog. It’s not at all simplistic to simply continually be making a gift of procedures that other people might have been selling. And we all discover we now have you to thank for this. Most of the illustrations you have made, the straightforward web site navigation, the friendships you can assist to create – it’s got all fantastic, and it’s really aiding our son and the family do think the content is cool, which is certainly extremely pressing. Thank you for all the pieces!

  23. I have to express my admiration for your kindness for persons who must have help with the theme. Your real commitment to passing the solution all-around became particularly interesting and has specifically allowed others much like me to achieve their ambitions. Your valuable facts indicates a lot to me and substantially more to my office colleagues. Warm regards; from all of us.

  24. I am only writing to make you be aware of of the useful encounter my wife’s girl developed reading your blog. She picked up a wide variety of things, not to mention how it is like to have an ideal coaching mood to get many others completely gain knowledge of several complicated matters. You undoubtedly exceeded visitors’ expected results. I appreciate you for displaying these great, trustworthy, educational and in addition fun tips about this topic to Kate.

  25. Thanks for each of your work on this website. Debby really likes doing research and it’s really obvious why. My partner and i notice all about the dynamic method you produce very useful steps via the web site and even attract participation from people about this point while our girl is certainly learning a whole lot. Take pleasure in the rest of the year. You’re the one carrying out a really good job.

  26. My wife and i ended up being very contented that Michael could conclude his preliminary research while using the precious recommendations he gained through your web site. It’s not at all simplistic just to happen to be handing out information which some other people may have been trying to sell. And we also fully grasp we now have you to be grateful to because of that. The entire explanations you have made, the simple web site navigation, the friendships you aid to create – it’s got most superb, and it is facilitating our son in addition to the family know that that concept is awesome, and that is wonderfully fundamental. Thank you for the whole thing!

  27. I want to express appreciation to this writer just for bailing me out of this type of condition. Because of searching through the online world and coming across suggestions which were not beneficial, I figured my entire life was done. Existing devoid of the strategies to the problems you have sorted out all through your good review is a serious case, as well as those which may have badly damaged my career if I had not discovered your web page. That skills and kindness in controlling everything was crucial. I am not sure what I would’ve done if I had not discovered such a point like this. It’s possible to now look forward to my future. Thanks for your time very much for this professional and sensible help. I won’t think twice to refer your site to any person who would like support on this topic.

  28. I’m just writing to let you be aware of what a impressive experience my wife’s daughter encountered visiting your web page. She realized such a lot of issues, which included how it is like to have an ideal coaching spirit to make certain people without hassle completely grasp several advanced issues. You undoubtedly exceeded our own expectations. Many thanks for showing such warm and helpful, healthy, informative and in addition fun thoughts on this topic to Julie.

  29. I have to show my gratitude for your kind-heartedness giving support to individuals who really want help on this important theme. Your personal dedication to getting the message along ended up being surprisingly powerful and have in every case empowered workers like me to attain their aims. Your new important suggestions can mean a great deal to me and substantially more to my office workers. Warm regards; from everyone of us.

  30. My wife and i felt really contented John could finish off his web research through the entire ideas he got through the web site. It is now and again perplexing to simply be giving freely techniques which some others have been making money from. Therefore we already know we have got the blog owner to be grateful to because of that. The main illustrations you’ve made, the easy website navigation, the friendships you will help to promote – it’s all unbelievable, and it’s really leading our son in addition to our family reckon that that matter is excellent, which is highly important. Many thanks for all!

  31. I simply wanted to send a small comment so as to appreciate you for the fabulous pointers you are placing on this site. My long internet look up has finally been recognized with incredibly good details to write about with my guests. I ‘d express that most of us visitors actually are very much fortunate to exist in a fine community with so many outstanding people with interesting concepts. I feel quite privileged to have seen the site and look forward to tons of more exciting times reading here. Thanks once again for everything.

  32. I want to point out my respect for your kind-heartedness giving support to those individuals that require help on this content. Your real commitment to passing the solution up and down had been extraordinarily informative and has continuously allowed women just like me to attain their dreams. Your helpful hints and tips implies so much to me and a whole lot more to my office workers. Warm regards; from each one of us.

  33. Thank you a lot for providing individuals with an extremely memorable possiblity to check tips from here. It really is very pleasing and also packed with amusement for me personally and my office peers to visit your site particularly thrice every week to read the fresh tips you have. Not to mention, I am just at all times contented considering the gorgeous tips and hints you give. Some 1 tips on this page are indeed the best I’ve had.

  34. I want to express my thanks to the writer just for bailing me out of this type of difficulty. After scouting through the online world and seeing methods which are not pleasant, I believed my life was done. Being alive without the approaches to the issues you have solved by means of your post is a critical case, as well as those which may have in a wrong way affected my entire career if I had not come across your web blog. The talents and kindness in maneuvering every part was priceless. I don’t know what I would have done if I hadn’t come upon such a subject like this. I can at this point look forward to my future. Thanks very much for this expert and amazing help. I will not hesitate to endorse the website to anybody who would need guide about this situation.

  35. I want to express thanks to this writer for rescuing me from this difficulty. Just after looking throughout the online world and seeing principles which were not productive, I assumed my entire life was well over. Living devoid of the approaches to the issues you’ve sorted out by means of your short article is a crucial case, as well as the kind that would have badly damaged my career if I had not come across your blog post. That competence and kindness in controlling every item was useful. I don’t know what I would’ve done if I had not encountered such a stuff like this. I am able to at this point look forward to my future. Thanks a lot so much for the professional and amazing guide. I will not hesitate to endorse your web sites to anybody who needs and wants tips on this area.

  36. Thank you so much for providing individuals with remarkably nice possiblity to read critical reviews from this web site. It is always very ideal plus packed with a good time for me and my office fellow workers to search your site on the least thrice in 7 days to see the latest tips you have got. Of course, we are usually happy for the beautiful creative ideas you serve. Certain 2 points in this post are completely the most efficient I have had.

  37. I would like to express my affection for your generosity in support of visitors who should have guidance on your topic. Your very own commitment to passing the message all around had been especially informative and has continuously helped most people like me to get to their targets. Your new insightful facts indicates so much a person like me and even more to my fellow workers. Best wishes; from everyone of us.

  38. I precisely wished to say thanks once again. I am not sure the things I might have gone through in the absence of those methods provided by you about such theme. It truly was a frustrating setting for me personally, however , being able to view your specialised technique you resolved it forced me to leap with delight. I am thankful for the assistance and sincerely hope you find out what a powerful job you are getting into teaching the rest thru your website. I know that you’ve never met all of us.

  39. Yeezyhttp://www.yeezy.com.co/
    Yeezyhttp://www.yeezys.us.com/
    Yeezy Supplyhttp://www.yeezysupply.us.com/
    Yeezy Sneakershttp://www.yeezy-shoes.us.com/
    Yeezy Boosthttp://www.yeezy-boost350.com/
    Yeezy Boosthttp://www.yeezyboost350.us.com/
    Yeezy Shoeshttp://www.yeezybluetint.com/
    Yeezy 500 Utility Blackhttp://www.yeezy500utilityblack.com/
    Yeezy 500http://www.yeezy500utilityblack.us/
    Nike VaporMaxhttp://www.vapor-max.org.uk/
    Salomon UKhttp://www.salomon-shoes.org.uk/
    Salomonhttp://www.salomons.me.uk/
    Salomon Shoeshttp://www.salomonspeedcross4.org.uk/
    Off White Air Jordan 1http://www.offwhitejordan1.com/
    Nike Air VaporMaxhttp://www.nikevapormax.org.uk/
    Nike React Element 87http://www.nikereactelement87.us.com/
    React Element 87http://www.nikereactelement87.us/
    Nike Air Vapormax Plushttp://www.nikeplus.us/
    Nike Outlet Storehttp://www.nike–outlet.us/
    Nike Outlet Store Online Shoppinghttp://www.nikeoutletstoreonlineshopping.us/
    Nike Outlet Store Online Shoppinghttp://www.nikeoutletonlineshopping.us/
    Cheap Nike NBA Jerseyshttp://www.nikenbajerseys.us/
    Air Max 97http://www.nikeairmax.us/
    Air Max 2017http://www.max2017.us/
    Jordan Shoeshttp://www.jordan-com.com/
    Jordan 11 Concord 2018http://www.jordan11-concord.com/
    Kanye West Yeezys Boost Shoeshttp://www.cs7boots1.com/
    Wholesale Cheap NBA Jerseyshttp://www.cheapnba-jerseys.us/
    Birkenstock Sandals UKhttp://www.birkenstocksandalsuk.me.uk/
    Basketball Jerseyhttp://www.basketball-jersey.us/
    Balenciagahttp://www.balenciaga.me.uk/
    Balenciaga UKhttp://www.balenciagauk.org.uk/
    Balenciagahttp://www.balenciagatriples.org.uk/
    Balenciagahttp://www.birkenstocks.me.uk/
    Balenciaga Trainershttp://www.balenciagatrainers.org.uk/
    Nike Air Max 270http://www.airmax270.org.uk/
    Yeezyhttp://www.adidasyeezyshoes.org.uk/
    Adidas Yeezy Shoeshttp://www.adidasyeezyshoes.org.uk/

  40. I must convey my passion for your kind-heartedness for men and women who require guidance on this particular theme. Your very own commitment to getting the solution all-around had become definitely invaluable and has without exception encouraged girls like me to get to their targets. Your informative guidelines denotes so much a person like me and much more to my colleagues. Regards; from each one of us.

  41. I wish to express my love for your kind-heartedness for women who actually need assistance with this one question. Your real dedication to passing the message all through had been pretty productive and has usually permitted guys and women much like me to realize their targets. Your entire warm and friendly recommendations denotes a great deal to me and further more to my office colleagues. Best wishes; from all of us.

  42. I precisely wished to appreciate you once more. I am not sure what I could possibly have followed without these solutions shared by you regarding such area of interest. It was before an absolute daunting issue in my circumstances, however , noticing the very expert avenue you resolved it made me to weep with contentment. I’m just thankful for your service and then hope you recognize what a powerful job you’re carrying out instructing people through your web blog. More than likely you have never got to know any of us.

  43. I simply wished to appreciate you again. I do not know what I could possibly have accomplished without the entire recommendations revealed by you on such a subject matter. It previously was a terrifying situation for me, however , encountering the skilled fashion you dealt with the issue forced me to cry with delight. Extremely thankful for this support and hope that you recognize what a great job you’re carrying out instructing some other people by way of your websites. Most likely you’ve never encountered any of us.

  44. I wish to express some thanks to this writer just for bailing me out of this type of issue. As a result of surfing through the world-wide-web and seeing tips which are not helpful, I was thinking my life was well over. Living minus the solutions to the problems you’ve fixed all through your entire site is a crucial case, and those that could have in a negative way affected my career if I hadn’t noticed the blog. That ability and kindness in playing with a lot of stuff was important. I don’t know what I would’ve done if I hadn’t encountered such a solution like this. It’s possible to at this time look forward to my future. Thanks for your time very much for the professional and results-oriented help. I won’t think twice to recommend your site to anyone who wants and needs care about this subject.

  45. Jordan 12 Gym Redhttp://www.jordan12gymred.us.com/
    nike factory outlethttp://www.nikefactoryoutletstoreonline.com/
    nike factory outlet store onlinehttp://www.nikefactoryoutletstoreonline.us/
    Nike Outlethttp://www.nikestores.us.com/
    retro jordan 33http://www.jordan33.us/
    Yeezy Shoeshttp://www.cheapjerseysfromchina.us/
    nfl jerseyshttp://www.customnfljerseys.us/
    jordan 11 concord 2018http://www.jordan11concord.us.com/
    Air Jordan 12 Gym Redhttp://www.jordan12gymred.us/
    Red Jordan 12http://www.redjordan12.us/
    Yeezy Shoeshttp://www.yeezy.com.co/
    Yeezy Shoeshttp://www.yeezys.us.com/
    Yeezy Supplyhttp://www.yeezysupply.us.com/
    Yeezys Shoeshttp://www.yeezy-shoes.us.com/
    Yeezy Boosthttp://www.yeezy-boost350.com/
    Yeezy Boosthttp://www.yeezyboost350.us.com/
    Yeezy Shoeshttp://www.yeezybluetint.com/
    Yeezy 500http://www.yeezy500utilityblack.com/
    Yeezy 500 Utility Blackhttp://www.yeezy500utilityblack.us/
    Nike Air VaporMaxhttp://www.vapor-max.org.uk/
    Salomon Shoeshttp://www.salomon-shoes.org.uk/
    Salomon Shoeshttp://www.salomons.me.uk/
    Salomon Shoeshttp://www.salomonspeedcross4.org.uk/
    Off White Jordanhttp://www.offwhitejordan1.com/
    Nike VaporMaxhttp://www.nikevapormax.org.uk/
    Nike Element 87http://www.nikereactelement87.us.com/
    React Element 87http://www.nikereactelement87.us/
    Nike Plushttp://www.nikeplus.us/
    Nike Outlethttp://www.nike–outlet.us/
    Nike Outlet Store Online Shoppinghttp://www.nikeoutletstoreonlineshopping.us/
    Nike Outlethttp://www.nikeoutletonlineshopping.us/
    Nike NBA Jerseyshttp://www.nikenbajerseys.us/
    Nike Air Maxhttp://www.nikeairmax.us/
    Air Max 2017http://www.max2017.us/
    Air Jordan Shoeshttp://www.jordan-com.com/
    Jordan 11 Concord 2018http://www.jordan11-concord.com/
    Kanye West Yeezys Boost Shoeshttp://www.cs7boots1.com/
    Cheap NBA Jerseyshttp://www.cheapnba-jerseys.us/
    Birkenstock UKhttp://www.birkenstocksandalsuk.me.uk/
    Basketball Jerseyhttp://www.basketball-jersey.us/
    Balenciagahttp://www.balenciaga.me.uk/
    Balenciagahttp://www.balenciagauk.org.uk/
    Balenciagahttp://www.balenciagatriples.org.uk/
    Balenciagahttp://www.birkenstocks.me.uk/
    Balenciagahttp://www.balenciagatrainers.org.uk/
    Air Max 270http://www.airmax270.org.uk/
    Yeezyhttp://www.adidasyeezyshoes.org.uk/
    Adidas Yeezy Shoeshttp://www.adidasyeezyshoes.org.uk/

  46. [url=http://zithromaxgenericbuy.com/]Zithromax[/url] [url=http://advairbest.us.com/]buy advair diskus[/url] [url=http://albendazole.in.net/]albendazole[/url] [url=http://colchicine.in.net/]colchicine[/url] [url=http://baclofen.in.net/]baclofen[/url] [url=http://tadacipbest.us.com/]tadacip[/url] [url=http://buypaxil.us.com/]paxil brain zaps[/url] [url=http://ampicillin.us.org/]ampicillin 500mg[/url]

  47. [url=http://canadianviagra.top/]viagra[/url] [url=http://acyclovir400mg.us/]acyclovir[/url] [url=http://lisinoprilwithoutprescription.science/]zestril[/url] [url=http://tetracyclinegenericbuy.com/]online tetracycline[/url] [url=http://ventolinwithoutprescription.webcam/]ventolin[/url] [url=http://valtrexgenericbuy.com/]valtrex[/url]

  48. [url=http://buysynthroid.top/]buy synthroid without a prescription[/url] [url=http://colchicinebest.us.org/]colchicine 0.6 mg tab[/url] [url=http://tadalafil20mg.top/]your domain name[/url] [url=http://cialisgeneric247.us.org/]buy cialis pills[/url] [url=http://valtrexwithoutprescription.party/]valtrex[/url] [url=http://torsemidebest.us.org/]Torsemide[/url] [url=http://cephalexin247.us.org/]Cephalexin[/url] [url=http://valtrexoffers.us.org/]valtrex[/url]

  49. [url=http://prednisone365.us.com/]buy prednisone[/url] [url=http://ventolingenericbuy.com/]Ventolin[/url] [url=http://viagra2017.us.com/]Viagra[/url] [url=http://valtrexwithoutprescription.party/]valtrex generic online[/url] [url=http://propeciabest.us.com/]generic propecia cost[/url] [url=http://prednisone.stream/]this site[/url] [url=http://colchicinebest.us.org/]COLCHICINE[/url]

  50. I love your blog.. very nice colors & theme.
    Did you design this website yourself or did you hire someone to do it for you?
    Plz answer back as I’m looking to construct my own blog and would like to
    know where u got this from. appreciate it

  51. [url=http://viagra100mg.top/]viagra 100 mg[/url] [url=http://tadacipbest.us.org/]Tadacip[/url] [url=http://doxycyclinegenericbuy.com/]doxycycline for sale[/url] [url=http://buytretinoin.us.com/]tretinoin[/url] [url=http://advair365.us.com/]generic advair diskus[/url]

  52. [url=http://sneg.kiev.ua/user/adecforha1972/]girlmeetsbulgari[/url]a[url=http://labfibril.com/user/franalilas1980/]mixeddatingsites.us.com[/url][url=http://www.sl-sms.by/user/tronarinflan1973/]abruzzomeeting.com[/url][url=http://univer.tneu.edu.ua/user/leikacasa1987/]torssexdvd.com[/url][url=http://banki59.ru/forum/index.php?showuser=2247938]prettywittythings.com[/url][url=http://isradem.com/index.php?subaction=userinfo&user=opacovin1986]womenbikeatlanta.com[/url][url=http://finansy.su/user/franalilas1980/]mixeddatingsites.us.com[/url][url=http://flesh.com.ua/user/promerdishart1974/]paydayloansdirectlender.us.com[/url][url=http://malina-project.com/user/opacovin1986/]womenbikeatlanta.com[/url][url=http://mine-line.hol.es/user/kinnewsmesblo1989/]datingsitesfree.us.com[/url][url=http://sevgidolu.biz/user/lesimoma1976/]freemaledatingsites.us.com[/url][url=http://xn--b1agpd4a6d.xn--p1ai/forum/memberlist.php?mode=viewprofile&u=211376]maturesexcraft.com[/url][url=http://droid-mod.ru/user/genounvasu1973/]3monthpaydayloans.us.com[/url][url=http://4fitnessbg.com/discussion/profile.php?mode=viewprofile&u=8885]girlmeetsbulgari[/url]a[url=http://poster.berdyansk.net/user/igguivano1970/]yourcashgroup.com[/url][url=http://bbs.cnliti.com//home.php?mod=space&uid=3705407]eyeadorepretty.com[/url]

  53. [url=http://phenerganbest.us.org/]phenergan[/url] [url=http://cipro.us.com/]CIPRO[/url] [url=http://cymbaltabest.us.com/]cost of cymbalta 30 mg[/url] [url=http://fluoxetine.us.com/]fluoxetine over the counter[/url] [url=http://erythromycinbest.us.org/]benzoyl peroxide erythromycin gel[/url] [url=http://glucophagebest.us.com/]glucophage[/url]

  54. [url=http://metforminbest.us.com/]metformin hcl 1000mg[/url] [url=http://cipro.us.com/]Cipro[/url] [url=http://prednisolonebest.us.com/]prednisolone generic[/url] [url=http://motiliumbest.us.com/]motilium 10mg[/url] [url=http://sildenafilbest.us.com/]view website[/url]

  55. [url=http://celexabest.us.com/]celexa cost[/url] [url=http://amoxicillinbest.us.com/]Amoxicillin[/url] [url=http://baclofenbest.us.com/]baclofen[/url] [url=http://cymbaltabest.us.org/]price of cymbalta[/url]

  56. [url=http://levaquinbest.us.com/]LEVAQUIN[/url] [url=http://doxycycline.us.com/]doxycycline[/url] [url=http://elimite.us.com/]elimite without prescription[/url] [url=http://ampicillin.us.com/]view[/url] [url=http://flagyl.us.com/]Flagyl[/url] [url=http://cialis24.us.org/]cialis tablets[/url] [url=http://stromectolbest.us.com/]stromectol[/url]

  57. [url=http://viagraoffers.us.com/]viagra online[/url] [url=http://antabusebest.us.com/]PURCHASE ANTABUSE ONLINE[/url] [url=http://tetracyclinebest.us.org/]tetracycline 500mg[/url] [url=http://prednisolonebest.us.com/]prednisolone[/url] [url=http://clonidinebest.us.org/]clonidine[/url] [url=http://lipitorbest.us.com/]generic lipitor price[/url] [url=http://erythromycinbest.us.org/]erythromycin[/url] [url=http://tadalafilbest.us.org/]tadalafil for sale[/url]

  58. [url=http://viagraprice.us.com/]viagra price[/url] [url=http://seroquelbest.us.com/]SEROQUEL XL[/url] [url=http://lexaprobest.us.com/]Lexapro[/url] [url=http://lisinoprilbest.us.org/]lisinopril[/url] [url=http://paroxetinebest.us.com/]Paroxetine[/url]

  59. Hi, i read your blog from time to time and i own a similar one and i was just wondering if you get a lot of spam feedback? If so how do you prevent it, any plugin or anything you can suggest? I get so much lately it’s driving me insane so any support is very much appreciated.

  60. This is very interesting, You are an excessively
    skilled blogger. I have joined your rss feed and look forward to in quest of more of your fantastic post.
    Also, I’ve shared your web site in my social networks

  61. Other benefits such as having the ability to
    seek out any movie you want by means of title, actor or genre,
    and achieving free self-addressed envelopes back to your video returns are added bonuses, but on the whole,
    there appears to be few arguments against renting or perhaps favor of buying DVDs.
    The theatre where this tango show is held is quite large and might seat 1500 people.
    However, to this day, there are lots of people around America,
    who prefer letting their family and friends click photographs
    and continue to capture memorable moments of their wedding day.

  62. Los Blancos, with captain Sergio Ramos suspended after deliberately collecting a yellow card in the first leg, had been looking to build on a slender 2-1 lead from that game in Amsterdam and stay on course for a potential fourth straight European triumph.

    However, after Raphael Varane’s header rattled the crossbar, Ajax raced into an early lead through Hakim Ziyech before Dusan Tadic set up David Neres for a second in the 18th minute.
    tinyurl
    Real Madrid were forced into two changes when Lucas Vazquez and Vinicius Junior went off injured, with substitute Gareth Bale hitting the post just before half-time.

    Ajax looked to have put the tie to bed when Tadic swept in a brilliant third goal just after the hour – which was eventually given following an extensive Video Assistant Referee review to check if the ball had gone out of play in the build-up.

  63. Inter Rapid Wien live score (and video online live stream*) starts on 21.2.2019. at 20:00 UTC time at San Siro/Giuseppe Meazza stadium, Milan, Italy in UEFA Europa League, Knockout stage – Europe. Here on SofaScore livescore you can find all Inter vs Rapid Wien previous results sorted by their H2H matches. Links to Inter vs. Rapid Wien video highlights are collected in the Media tab for the most popular matches as soon as video appear on video hosting sites like Youtube or Dailymotion. We’re not responsible for any video content, please contact video file owners or hosters for any legal complaints tinyurl.

  64. Theresa May says she has secured “legally binding” changes to her Brexit deal, a day ahead of MPs voting on it.

    But European Commission President Jean-Claude Juncker” warned if the deal was voted down there was “no third chance”.

    They spoke at a joint press conference in Strasbourg after a late meeting.

  65. Trump was surrounded at Friday’s event by officials from Customs and Border Protection as well as surviving family members of those who have loved ones killed by undocumented immigrants. Attorney General William Barr was also at the President’s veto event.
    While some lawmakers including some Republicans — have argued against the President’s use of national emergency powers in this instance, the Justice Department set forth a robust defense of the President’s authority to do so in a letter to Senate Majority Leader Mitch McConnell earlier this month, according to a copy obtained by CNN on Friday.
    “The President acted well within his discretion in declaring a national emergency concerning the southern border,” wrote Assistant Attorney General Stephen Boyd, setting out the legal basis for the proclamation under the National Emergencies Act and additional statutory authorities, which largely tracks an internal memo issued by the Office of Legal Counsel at the Justice Department.

  66. Hey, how’s it going?

    I want to pass along some very important news that everyone needs to hear!

    In December of 2017, Donald Trump made history by recognizing Jerusalem as the captial of Israel. Why is this big news? Because by this the Jewish people of Israel are now able to press forward in bringing about the Third Temple prophesied in the Bible.

    The Jewish people deny Jesus as their Messiah and have stated that their Messiah has been identified and is waiting to be revealed. They say this man will rule the world under a one world religion called “spiritualism”.

    They even printed a coin to raise money for the Temple with Donald Trumps face on the front and with king Cyrus'(who built the second Temple) behind him. On the back of the coin is an image of the third Temple.

    The Bible says this false Messiah who seats himself in the Third Temple will be thee antichrist that will bring about the Great Tribulation, though the Jewish people believe he will bring about world peace. It will be a false peace for a period of time. You can watch interviews of Jewish Rabbi’s in Israel speaking of these things. They have their plans set in place. It is only years away!

    More importantly, the power that runs the world wants to put a RFID microchip in our body making us total slaves to them. This chip matches perfectly with the Mark of the Beast in the Bible, more specifically Revelation 13:16-18:

    He causes all, both small and great, rich and poor, free and slave, to receive a mark on their right hand or on their foreheads, and that no one may buy or sell except one who has the mark or the name of the beast, or the number of his name.

    Here is wisdom. Let him who has understanding calculate the number of the beast, for it is the number of a man: His number is 666.

    Referring to the last days, this could only be speaking of a cashless society, which we have yet to see, but are heading towards. Otherwise, we could still buy or sell without the mark amongst others if physical money was still currency. RFID microchip implant technology will be the future of a one world cashless society containing digital currency. It will be implanted in the right-hand or the forehead, and we cannot buy or sell without it! We must grow strong in Jesus. AT ALL COSTS, DO NOT TAKE IT!

    Then a third angel followed them, saying with a loud voice, “If anyone worships the beast and his image, and receives his mark on his forehead or on his hand, he himself shall also drink of the wine of the wrath of God, which is poured out full strength into the cup of His indignation. He shall be tormented with fire and brimstone in the presence of the holy angels and in the presence of the Lamb. And the smoke of their torment ascends forever and ever; and they have no rest day or night, who worship the beast and his image, and whoever receives the mark of his name.” (Revelation 14:9-11).

    People have been saying the end is coming for many years, but we need two key things. One, the Third Temple, and two, the technology for a cashless society to fulfill the prophecy of the Mark of the Beast.

    VISIT http://WWW.BIBLEFREEDOM.COM TO SEE PROOF FOR THESE THINGS AND MUCH MORE! TELL YOUR FRIENDS AND FAMILY. SHARE THIS MESSAGE!

  67. Today, you will find different widths available in the market such as 8,
    9 and 10. This has increased its efficiency jointly interested having a section of just
    about any vehicle will definitely have it using their company.
    They are indeed the most effective place to appear
    in order to replace a part of your automobile which has been providing you trouble.

  68. Christina was born in the royal castle Tre Kronor on 18 December S. 8 December] 1626. Her parents were the Swedish king Gustavus Adolphus and his German wife, Maria Eleonora, had already had two daughters—a stillborn princess in 1620, and then the first Princess Christina, who was born in 1623 and died the following year.3] Excited expectation surrounded Maria Eleonora’s third pregnancy in 1626. When the baby was born, it was first thought to be a boy as it was “hairy” and screamed “with a strong, hoarse voice.”she later wrote in her autobiography that, “Deep embarrassment spread among the women when they discovered their mistake.” The king, though, was very happy, stating, “She’ll be clever, she has made fools of us all!”6] From most accounts, Gustav Adolf appears to have been closely attached to his daughter, and she appears to have admired him greatly.

BÌNH LUẬN

Please enter your comment!
Please enter your name here