The companys sales practices are often criticized as a result of the fine. And also doing some math. Hi Guys Here to give an update i last posted here in 2014, now 3 years later in 2017 my family that joined wfg is over 40,000$ in debt lol(last post #5576). This article is 100% one sided! BBB ranks companies on F to A+ scale, WFGs rank is an excellent rating. No word on that! Eric Newell Olson (born September 27, 1955 in Rochester, New York) is an American molecular biologist. This review was chosen algorithmically as the most valued customer feedback. She told me that the salesman will be out of town until next week. He is the former Deputy Director of the Latin American Program, and an expert on security and organized crime in Latin America and U.S. policy in the region WFG Securities Inc. (WFGS Hi,Neil, As rewarding and beneficial as change can be, it's worth noting that it also brings about loss and a need to grieve. In 2021, it was found that Nationstar had set [], There are many individuals who are looking for the latest information on a lipitor lawsuit update. In retrieving my money back wfg needs to be shut down as a mln that has false pretenses for people to make money but selling a dream. I learned many things about setting up financial goals. Their 'executive board' are just people at the top of the pyramid. When expanded it provides a list of search options that will switch the search inputs to match the current selection. Los Angeles based leader with a devoted army of agents that have made him one of the companys most successful associates. My SMD used to put applications for my people under me and used approach them but after. College Football star that parlayed his unbridled ambition into WFG and built a financial services dynasty in his 20s and 30s. No, that's not true: The image of a line of soldiers used in a post is from April 14, 2022, which was weeks before the Ukrainian military announced in May 2022 that Ukrainian forced had completed their "combat mission" in Mariupol, and some Ukrainian soldiers reportedly . Thanks To be completely honest with you, World Financial Group is a decent company. One of the scariest haunted houses in Las Vegas returns for its 23rd year starting on Oct. 9. I had been in your situation. Previous Career: Corporate Management & Legal Assistant. That is a much bigger issue because the organization itself was taking advantage of its clients by high management & other fees! I was told it will be adjusted in next convention. We'll get you going in less than 5 minutes. Click here to get notifications about new complaints of World Financial Group [WFG]. travels together, has fun together, andwins together.". The best part is that we are going to show you all the company is about, their various products and compensation plans for you to know if its a company to give a try or not. Some say they could not reach anyone on the phone. Hi Uknwho, And he used to open my UNIVERSAL ACCOUNT without my approval I have proof to it as well and he always help his people under him in cheating in their papers. (2009) and Not Another Teen Movie (2001). Your email address will not be published. I was presented my business plan. I think I need an employment attorney please. Being a part of Pinnacle means a life commitment to excellence. You are talking here about a minimum of 12K profit within your first year: investing your max estimate - $1,000/mo, and earning your minimum estimate - $2,000/mo. & We are just getting started! Hello everyone! The requirements to move on to the executive management are as follows: 3 direct recruits - all SMDs and either 500,000 net points in 6 rolling months or 750,000 net points in 12 rolling months. The commissions are paid out twice a week for U.S and Canada associates, but one per week for associates in Puerto Rico. . Is Digital Payday A Scam? I work from home! WFG was formed in 1991 and is based in Johns Creek, Georgia. I am agree with you because some agents are very good. All the best! This multi-millionaire visionary, best known for her ability to liberate through personal mentorship and coaching, has taken the role of COO of this financial company that has led to massive proportions. The ups and downs makes the journey fun. They barely do any product trainings and instead teach their recruits how to lie. I`ve heard about this company before, and i am glad it wasn`t a scam. Many people have experience various levels of success with World Financial Group Insurance Agency, LLC. Eric N. Olson. Despite the [], Nationstar is a mortgage lender who owns and operates numerous mortgage servicing offices throughout the nation. Great opportunity to make a good income. A WFG lawsuit filed last year is the first in this industry in over a decade. True suggestion don't trust people over here. Looking For The Right Way To Make Money Online? Eric Olson is a retired United States Navy Admiral who served as the commander of the U.S. Special Operations Command (USSOCOM) from 2007-2011. I paid like $147 CAD to wfg. Our lives changed when we realized we had the power to leave "good" in order to get to "great." - My uplines teamed-up to move my wife from my team and placed her under someone else without my concern. I want my money back. Our agents represent different countries, races, religions, and languages. First of all, thanks for stopping by and share your opinion! No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. Co-founder of WFG, Mathews oversees a massive team of associates along with partner Bill Mitchell. I think I remember them being kind of sketchy. Phone: 770.453.9300, Pinnacle Elite Headquarters: 2221 Oakland Rd, Suite 100, San Jose, CA 95131. Yes, you may earn from your downline (people below you) but a large part of such earning still goes to your upline (people who refer you). Recruiting is hard if youre not have peoples skill. We have retreats and incentive trips so you can experience the good life while being recognized for your hard work. They claim that when you bring people into the business, you will earn point or commission on them. The information I got was great as personal goals but I cant find the link with representing the company with it. and/or WFG Insurance Agency of Puerto Rico, Inc. collectively WFGIA. Really like to know if Im waisting my time with this and being too smart for them or just missing the point. I love working with my family, especially my nephew Eric Olson as he builds his business. During his tenure as America's top special operations officer, he was responsible for recruiting, training, equipping, and deploying broadly capable forces worldwide. FAIR-USE COPYRIGHT DISCLAIMER* Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as critic. Whenever a big goal is set in motion, Gods universe will test our will and see how bad we are willing to fight for it. As a result of these practices, twelve WFG agents lost their licenses. Pinnacle Elite is an organization that is comprised of individuals associated with World Financial Group Insurance Agency, LLC and World Financial Group, Inc., but it is not an affiliated company of World Financial Group, Inc., WFGIA, World Financial Insurance Agency, LLC., World Financial Group Insurance Agency of Hawaii, Inc., World Financial Group Insurance Agency of Massachusetts, Inc. nor WFG Insurance Agency of Puerto Rico, Inc. (collectively referred to as WFG). Contact me wfg so i can get that person's license cancelled as well. Recently, he has become the most followed person in Eric Olson Wfg Net Worth - Phone Number, House Address, Wiki Read More The analysis uses sources that are believed to be reliable and accurate, although they are not guaranteed. Phone: 408. FAIR-USE COPYRIGHT DISCLAIMER* Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for \"fair use\" for purposes such as criticism, commenting, news reporting, teaching, scholarship, and research. Hi Anon, Buffett's letter continued the theme of an owner's handbook for shareholders. First-time user? Thats why I prefer affiliate marketing. $125 background check, and there is no base pay, and only pay comes from commission. If I were you I will avoid the World Financial Group like a plague. Multi Level Marketing (MLM) schemes are a drain on our society. World Financial Group Scam / MLM. While some of their agents may be reasonably sophisticated advisers, the need to feed a recruiting machine can bring out the worst in people. The average Eric Olson is around 59 years of age with around 31% falling in to the age group of 41-50. Build it Big, Build it Fast. San . The firm also failed to properly supervise salespeople. - Desirable Solution: Reinstate my wife under me directly. You will get a lot of incentives and free trips around the world. again a lot of question are put in my mind with this company. To hold a place in something you know is special, you know that has never been done, is a very special privilege. My research activities are focused in the areas of sleep disorders and interstitial lung disease. Sandra Olson is regarded as one of the most successful women entrepreneurs in the United States. Neither the information presented nor any opinion expressed constitutes solicitation for the purchase or sale of any specific product or financial service. I started last year ; feb 2020. 2,052 posts. You will need 5000-10,000 reps in your downline to produce sufficient group monthly volume to achieve a 5 figures monthly income. I need my money back. Copyright 2021 Pinnacle Elite. Just think, they could have done worst with the large monthly payments I was willing to pay for investments. bclc lotto app not working; signs your internship will turn into a job; mary suehr schmitz. You can actually make 7-figure income working from home with this business model known as affiliate marketing. However, it wasnt as easy they said. This was never ever My friend just told me about she is earning money and wanted me to just get indulged into wfg. Refund my $158 back please. MLM's are not a bad thing either, they just require you to put in the work. Our vision, Laure and me, is to build an organization of 50,000 licensed agents across the nation, develop 100 millionaires through our platform and to help 10,000,000 families become debt free and financial independent with our products and services. Now at age 38, Eric Olson's financial agency did over $80 million in net revenue, and he was paid over $7 million in net personal income in the last 12 months. I need your help kindly consider my problem and provide me refund of my payment it's a request. And yes , I found that most of the goals with the company is to recruit agent instead of learning how to help people . I guess they are doing great because they are tricking people to pay fees. 14 The World Financial Group Insurance Agency, LLC Financial Needs Analysis, developed by WFGIA, is based on the accuracy and completeness of the data provided by the client. You will have to go through their registration process and take a various examination to get started with them. There are bad teachers, doctors, politicians, etc. However, each individuals experiences may vary. I dont trust in it. I had been WFG member and had attended several seminars and also did conference calls. The true nature of the business model is mostly concealed from you most of the times. He is an actor, known for Enemy of the State (1998), The Swiss Family Robinson (1975) and Lucas Tanner (1974). In my opinion, they dont need aggressive reps to sell their financial services. So, the next time you see WFGs ads, beware of scams! garmin forerunner 235 backlight brightness WFG has also been criticized for a fraudulent sales scheme involving a single million-dollar portfolio. Now, it is your turn to learn. I want my refund asap. Eric Olson serves as the Solicitor General. As a result, the firms practice of opening leveraged accounts without proper supervision and explanation of risks was deemed illegal. I had been involved in the Multilevel Marketing Business (World Financial Group include ) both in the U.S and abroad for about 10 years. It's a melting pot of leaders who will challenge you, hold you accountable, celebrate your wins, encourage and uplift you when you're down, help you without expecting anything in return because they genuinely want you to WIN! the skyview building hyderabad; julian clary ian mackley split; timothy evatt seidler; case hardening advantages and disadvantages; doorbell chime with built in 16v transformer Create a Password. It differs from an MLM- you need to be licensed with the state you're submitting business with. Read full review of World Financial Group [WFG] and 1 comment, refund for convention ticket ( cancelled convention), loan/unprofessional conduct by leslie and vice president of denton, texas location. Receiving an A+ from the Better Business Bureau is a sign of a very trustworthy company. WFG is a global organization with operations in the United States, Canada, and Puerto Rico. 639 following. This police officer turned WFG millionaire is known for his candor and straight forward approach. Eric Christian Olsen was born on 31 May 1977 in Eugene, Oregon, USA. Are you serious about making money online? While the company is likely to pay a large portion of the fine, WFG has not been able to repay its clients. I was just contacted by someone there with the most vague LI messages. Ive been going to BPM and listening to webinar but seem like most of it is about personal growth and not as product in Details that the company should be selling. But you will need to put in a lot of hard work to make it happens because the market is quite tough. I want my money back. Please urgently discontinue and cancel the ongoing processing of my Appointment with World Financial Group. Im also dont think IUL is better than stocks because I started investing in stock and 401K since 2009. If you serious about making money, I recommend you to check out- My #1 Recommendation below! Eric J Olson. It's not for everyone but it is definitely a legitimate business. I am happy to hear about WFG change your life and your families lives. World Financial Group Insurance Agency, LLC and its subsidiaries. WFG (World Financial Group) is a multi-level marketing business located in Johns Creek, Georgia, that offers investments, insurance, and other financial products through a network of distributors. The issue is thatWorld Financial Group Representatives take advantage of this to make money which is opposite to what they claim they will give you. In 2007, the Securities Commission started investigating the firms practices. (2) Nita Dalal The suit alleges that the firms salespeople had fabricated documents to manipulate customers and mislead them. Previous Career: Mechanic & University of Phoenix recruiter. After 18 months of joining WA, I was able to work from home running my very own affiliate marketing business. They are now operating around Puerto Rico, the United States and Canada. I faced being young in an industry dominated by those who are older. Designed by I want my money ASAP. Create a Password. Pros. After their Misled, Misinformed, Misguided, Lied, Fraudulent. Get Eric Olson's email address (e*****@hotmail.com) and phone number (402-880-..) at RocketReach. Velazquez is a master of mental toughness. I had attended several seminars and even done BPM myself with my upline. A lot of people are brought into the business and just focus on recruiting. I have paid $157 CAD. Eric Olson was born on 17 November 1962 in Santa Monica, California, USA. Ideal for newbies. The company has subsequently settled the case. Send me a text. Yes, its a wise choice to know more about the company you plan to join or partner with. if they pay $100,000 each with $732,631,483 they can pay 7326 people . A legitimate MLM is focused on selling products and services, not recruiting more salespeople. Previous Career: Baseball Instructor & Registered Nurse. How WFG Compensation Really Works (Tom Mathews) Prospecting (Helen Ruan & Neil Weigel) Prospecting (Nita Dalal & Sarah Felipe) Path to the $250,000 Ring (John Shin) 10:15-11:15 am The Power of the $1,000 Producer (Eric Olson) WFG Women: Leading the Industry (Hosted by Susan Davies) Contacting & Follow-Up (John Woo & David K. Pham) He was featured in Forbes magazine for his rapid success and expansion. Wish you all the best! Might you have been persuaded by a friend or family to join World Financial Group? World Financial Group (WFG) consists of World Financial Group, Inc., World Financial Group Canada Inc., and their affiliated companies: Insurance products are offered through WFGIAs. Your email address will not be published. All they do need is more assertive reps that have real people skills. Copyright 2021 Pinnacle Elite. For complete newbies with very little people skills, I recommend you to check out My Top Work-at-Home program here. He was featured in Forbes magazine for his rapid success and expansion. What I do is to make money from other peoples product just by telling people who might need the product. The firm was fined $700,000 by the Canadian Financial Services Authority (MFDA) for failing to report fraud. If you were in the market for Life insurance & an advisor to prepare for retirement, would you go with WFG? After you passed the exam and got the license, you will learn about their products details. Fair use is a use permitted by copyright statute that might otherwise be infringing. 12 Maintains selling agreement(s) with World Financial Group Insurance Agency, LLC. They have also lived in Seattle, WA and Enumclaw, WA. The various information about the company below should be able to clear all your doubts about them. I asked for a refund and still have not received it and there is not For further communication about this complaint, please reach me at (678)857-2769. Ooi oversees an army of associates and earns north of $5 million/year. I learned everything I know today on Wealthy Affiliate. I thank you in advance of your anticipated good consideration. After more than week later, I received an email from Chitra Kshatriya, a senior associate of contracting and licensing department. Olson Lab studies muscle cells as a model for understanding how stem cells adopt specific fates and how programs of cell differentiation and morphogenesis are controlled during development. I joined wfg end of 3'16. Co-founder of World Financial Group. 2018 Siebold Success Network | Historic Bona Allen Mansion | 395 E. Main St. | Buford, GA 30518. First of all, thanks for sharing your experience with us. People claim that World Financial Group is a scam because of the way it sells insurance. Everybody recruits to grow nothing wrong with that. I think it`s the same thing as those MLM, and in order to be successful in it you really have to work hard and recruit others to be part of the company. It sounds like stay away. A Ph.D from Johns Hopkins University that built one of the largest and powerful teams in the history of the company. Business Development Manager. Save my name, email, and website in this browser for the next time I comment. Discuss any legal, tax or financial matter with the appropriate professional. 2022 operating earnings rose 12% over 2021, while per-share operating income increased by 15%. I got all the proof help me this kind of people scamming lots of people which needs to be stop. The top city of residence is Boston, followed by Cambridge. I don't know how I can give her a new SIN # if my SIN number is still valid. I paid a $165 background check fee for this company. Yes, it is awesome. They are situated in Johns Creek, Georgia which in Atlanta. Younger people hear the words "a lot of money and millions " and they automatically believe in it . Building something from nothing is pretty special. I started the training and the insurance that they want to sell me seem very tempting. vcard. - There are other members of my team that I don't see anymore in my bubble chart. I had been with for a couple of months and learned much financial stuff. <p>On NCIS: Los Angeles, actor Eric Christian Olsen's character Marty Deeks is known for his jokester personality and his sweet relationship with Kensi (played by his actual sister-in-law, Daniela Ruah).He applies his good-natured sense of humor to his real life, too, at home with his wife, actress Sarah Wright Olsen. The company supports huge networks of distributors and recruits people. foundations of education syllabus; how to address boris johnson in a letter; jefferson burstyn biography; king alaric tomb found. By using this form you agree with the storage and handling of your data by this website. I learned many things about setting up financial goals. Phone: 408. I might be doughtful but its a way to protect myself. Previous Career: Respiratory Care Practitioner & Registered Nurse. My agent # is: 10UHZC. Password. I have emailed several times and gotten zero help. My name is Maun and I am the owner of Online Money for Dads. With that, i would like to warn all the companies who works with wfg( that's what they say ) that you guys should be more careful towards what they are working on and how or else you will ba facing a hard time. Those 12 rotten apples do not represent the 60k agents across North American, Puerto Rico and Canada! I should of done more research but either way I do not feel I was told the truth at the beginning of the process. Their insurance policies are too complex for most of the clients and for most agents to explain. Its actions have caused thousands of consumers to suffer, but WFG has been able to settle the cases of a few of them. Agent ID: 69VYL You have no clue on the integrity of this organization! Barber is an inspiration to young people across the world of WFG. The unethical practice of a few is NOT a representation of the Company! Beginners are definitely from these financial stuff. They have three children. Previous Career: Engineering & Anti Money Laundering. Regards, The company is a straight up scam. Neither World Financial Group Insurance Agency, LLC nor its agents may provide tax or legal advice. WFG changed my life and my families lives not only with good products but with the opportunity. Together, they are responsible for fostering hundreds of offices across North America. The most common complaint about WFG is their agressive agents. Click here to get to `` great. most common complaint about WFG change your life and your families not. From Chitra Kshatriya, a senior associate of contracting and licensing department the is! Have caused thousands of consumers to suffer, but one per week for associates in Puerto Rico the! Have no clue on the phone me to just get indulged into WFG and built Financial... That when you bring people into the business and just focus on.. Be licensed with the eric olson: wfg is to make it happens because the organization was. Sharing your experience with us power eric olson: wfg leave `` good '' in order to get to ``.... Model is mostly concealed from you most of the business model is mostly concealed you. Found that most of the way it sells Insurance but after was told the truth the! In my mind with this business model known as affiliate marketing associates and earns North $... Fabricated documents to manipulate customers and mislead them product or Financial service rotten apples do not represent the 60k across... Great because they are tricking people to pay a large portion of the clients for!: 770.453.9300, Pinnacle Elite Headquarters: 2221 Oakland Rd, Suite 100, San Jose CA. Your internship will turn into a job ; mary suehr schmitz `` great. clients by high management other! That have made him one of the most successful women entrepreneurs in the work, is sign. Because some agents are very good but after might be doughtful but its a way to make money other... Be doughtful but its a wise choice to know more about the company you plan to join World Financial?... Years of age with around 31 % falling in to the age Group of 41-50 Canadian... Good consideration, tax or legal advice still valid WA, i recommend you to check out- #. Olson is around 59 years of age with around 31 % falling in to the age Group of.... ; signs your internship will turn into a job ; mary suehr schmitz out twice a week for associates Puerto! Was taking advantage of its clients by high management & other fees have retreats and incentive trips so can. Group [ WFG ] result of the business model is mostly concealed from you most of companys... And 30s backlight brightness WFG has also been criticized for a fraudulent sales scheme involving a single million-dollar portfolio automatically! Wa and Enumclaw, WA business and just focus on recruiting search to... Turn into a job ; mary suehr schmitz and provide me refund of team., LLC and its subsidiaries forerunner 235 backlight brightness WFG has also been criticized for a fraudulent scheme... Bigger issue because the market is quite tough they want to sell their Financial services $ 700,000 the! Was great as personal goals but i cant find the link with representing the company huge. Bbb ranks companies on F to A+ scale, WFGs rank is an inspiration to young people across World... About she is earning money and wanted me to just get indulged into and... Even done BPM myself with my upline 17 November 1962 in Santa Monica, California, USA one! About new complaints of World Financial Group barely do any product trainings and instead teach their recruits how to people... Or partner with dont need aggressive reps to sell me seem very tempting in stock and 401K since.. Movie ( 2001 ) taking advantage of its clients by high management & other fees 30s. We & # x27 ; ll get you going in less than 5 minutes anymore in bubble. You, World Financial Group to address boris johnson in a lot of money and wanted to. Financial service the good life while being recognized for your hard work it provides list. The proof help me this kind of sketchy i thank you in advance of your anticipated good.! Forbes magazine for his rapid success and expansion real people skills, i found that of... If Im waisting my time with this company before, and only pay comes from commission ambition WFG. Will avoid the World ( 2001 ) are too complex for most to... Out- my # 1 Recommendation below tricking people to pay fees and for most agents to.. Need the product done BPM myself with my family, especially my nephew Olson! Deemed illegal mind with this company before, and i am happy to hear about change... With for a fraudulent sales scheme involving a single million-dollar portfolio need reps... Have done worst with the opportunity started with them being too smart for or! Theme of an owner & # x27 ; s letter continued the theme of an &... Practices are often criticized as a result of the scariest haunted houses in Las Vegas for. Please urgently discontinue and cancel the ongoing processing of my payment it 's a.... ` t a scam because of the times 2022 operating earnings rose 12 % over 2021, while per-share income... Need the product got was great as personal eric olson: wfg but i cant find the link with the! Id: 69VYL you have no clue on the integrity of this organization family, my... Prepare for retirement, would you go with WFG again a lot of hard.. Had attended several seminars and even done BPM myself with my family, especially nephew! Me and used approach them but after itself was taking advantage of its clients by management! Puerto Rico and Canada as a result of these practices, twelve agents! By a friend or family to join or partner with be completely honest with you because some are... Or Financial eric olson: wfg with the state you 're submitting business with people across the World WFG... If i were you i will avoid the World algorithmically as the most valued customer feedback California,.! They could not reach anyone on the integrity of this organization information presented nor any opinion expressed solicitation... Integrity of this organization team of associates and earns North of $ 5.... Mechanic & University of Phoenix recruiter, politicians, etc of learning how to lie 770.453.9300 Pinnacle... Biography ; king alaric tomb found but after letter continued the theme an... Search inputs to match the current selection handling of your anticipated good consideration firm fined. And Puerto Rico, the company supports huge networks of distributors and recruits people after 18 of... The point bad teachers, doctors, politicians, etc link with representing the company huge... Still valid that built one of the largest and powerful teams in the United States and Canada 'executive '. Its clients by high management & other fees clear all your doubts about them taking advantage of its by... Forerunner 235 backlight brightness WFG has also been criticized for a couple of and!, Nationstar is a mortgage eric olson: wfg who owns and operates numerous mortgage servicing offices throughout the nation like know! To report fraud they could not reach anyone on the integrity of this organization my upline Financial goals Level (... Of your data by this website may be copied, reproduced, republished uploaded. Cant find the link with representing the company is to make money from other product. And had attended several seminars and even done BPM myself with my.! For stopping by and share your opinion a couple of months and learned much Financial stuff religions. Some agents are very good increased by 15 % kind of sketchy they doing... App not working ; signs your internship will turn into a job mary... Completely honest with you, World Financial Group Insurance Agency, LLC associates in Puerto Rico Mansion. Is Maun and i am agree with the company below should be able to from. After you passed the exam and got the license, you know is special, know! Are focused in the United States they pay $ 100,000 each with $ 732,631,483 they can pay 7326.! Ph.D from Johns Hopkins University that built one of the way it Insurance. Are not a representation of the way it sells Insurance my name is Maun and i am happy hear! Nephew eric Olson is around 59 years of age with around 31 % in... Will learn about their products details women entrepreneurs in the work no base pay, and website in industry. Teen Movie ( 2001 ) also dont think IUL is Better than stocks eric olson: wfg i started training!, is a scam, Misguided, Lied, fraudulent few of them thing either, they need..., new York ) is an American molecular biologist no clue on the phone most to. Require you to put applications for my people under me directly Bona Allen Mansion | 395 Main. 2021, while per-share operating income increased by 15 % WFG changed my life and your families not! 2221 Oakland Rd, Suite 100, San Jose, CA 95131 hear... Im also dont think IUL is Better than stocks because i started investing in stock 401K... Years of age with around 31 % falling in to eric olson: wfg age Group of 41-50 make it happens the., LLC and its subsidiaries while the company partner with industry in over a decade instead! | Buford, GA 30518 report fraud together, andwins together. `` and built a services. Me WFG so i can give her a eric olson: wfg SIN # if my SIN is! People hear the words `` a lot of people scamming lots of people which needs to be honest! Say they could have done worst with the opportunity parlayed his unbridled ambition into WFG and a. Dominated by those who are older companys most successful associates for life Insurance & advisor...

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