Urban Report

Financial Rescue

Three Angels Broadcasting Network

Program transcript



Series Code: UBR

Program Code: UBR210011S

00:01 Have you ever felt like your bank account
00:02 was on life support?
00:04 Well, stay tuned to learn how you can regain
00:06 some financial stability.
00:08 My name is Jason Bradley,
00:10 and you're watching Urban Report.
00:33 Hello, and welcome to Urban Report.
00:36 My guest today is Cordell Thomas,
00:38 Director of Axis Foundation Incorporated,
00:41 and the host of Dare to Dream network's Take it to the Bank.
00:45 Welcome to Urban Report, Cordell.
00:48 It is a pleasure to be here.
00:49 Thank you so much for the invitation, Jason.
00:51 Thank you so much.
00:53 You're very welcome.
00:54 I'm happy to have you here.
00:55 You know, I haven't had the privilege and opportunity
00:57 of sitting down with you and interviewing you.
00:59 So I'm really looking forward to this.
01:04 I want to start with a little bit
01:05 about your background,
01:07 'cause it's been a while since you you've been here.
01:11 Yes.
01:12 It's been a months since I've been there.
01:14 I miss 3ABN, visiting the location,
01:17 but have been very busy over the past six years
01:21 since I've been there.
01:23 And I think that Take it to the Bank
01:24 has taught me a little bit about the basics
01:27 of what the Bible has been teaching
01:29 about finance all along.
01:31 You know, I started on profit back in 2008.
01:34 I've been maintaining the nonprofit,
01:36 but I had a chance to collaborate
01:38 with a great organization.
01:39 They brought me on board for about four years
01:41 United Way of the Inland Valleys
01:43 that have assisted in a variety of things to help us
01:47 gain some sense of understanding
01:50 of why it is that it takes more than just financial knowledge
01:55 to make the sound financial decisions that we need to make.
01:58 Oh, wow.
02:00 Now break, unpack that a little bit?
02:02 Oh my goodness.
02:04 I mean, I'll start with this in John 8 is a story
02:08 about the woman caught in adultery
02:09 and in reading the story,
02:11 it provided a perspective of the thing
02:14 that got us moving in the right direction.
02:16 You know, the woman's caught,
02:17 she's found in front of Christ.
02:19 She has a crisis.
02:20 She is faced with death, stoning, of course.
02:22 And then she falls at the feet of the person
02:26 or the God that has the answers to it all.
02:28 And in that process, these people accused her
02:32 and all that Jesus does He starts writing in the sand.
02:36 And then basically looks up and says,
02:38 "Where are your accusers?"
02:39 She says, "They're not here anymore."
02:41 And He says, I don't,
02:42 "You know, neither do I judge you.
02:43 I don't judge you, go and sin no more."
02:46 And there's something powerful
02:48 in that because we see her condemnation
02:52 and her mischaracterization and her placement
02:55 in a judgment situation.
02:58 In front of all of her peers,
03:00 people she must've known going to church.
03:02 And then in the end, Christ figured a way of capturing
03:05 this person, this individual,
03:08 and putting her back sending her back as she's justified.
03:12 You're back to where you need to be and now,
03:14 go and build your character.
03:16 That sanctification process
03:18 where she becomes more Christ-like in her demeanor.
03:21 And I can imagine what she left feeling like her self-esteem,
03:25 her self-efficacy, her self-belief
03:30 must've changed tremendously in that situation.
03:33 I'll take you back to 2013.
03:36 There was an amazing study that was done in Australia
03:40 about women and about their ability
03:43 to make the right types of financial decisions.
03:45 Right?
03:46 They said that women who have self-belief, self-efficacy,
03:52 a belief in themselves are more likely
03:54 to make the right type of financial decisions
03:58 and buy assets that build net worth and not debt assets,
04:02 a tremendous story,
04:03 because it's related to what the Bible is saying.
04:05 If you build someone's self-esteem,
04:08 you can build their ability
04:11 to make the right type of financial decisions.
04:14 So it takes more than financial knowledge and literacy.
04:17 An individual now we're finding also need
04:20 a sense of self-assuredness and self-belief,
04:23 a belief in their abilities
04:25 to make the right type of decisions.
04:27 So the past six years,
04:28 we have had a chance to study all of this.
04:31 We've taught 201 students,
04:33 we've had a chance to study pre post-test,
04:35 pre savings behavior surveys,
04:37 post savings behavior surveys.
04:39 And we had a chance to really dig into how you teach
04:43 and build self-esteem over the course of time.
04:46 And we find that our study
04:50 through Cal state San Bernardino,
04:51 their consulting team came in and studying the class,
04:56 the structure, the outcomes, they went back and visited
04:59 the many different students that took the class
05:01 and were able to find that the majority
05:03 of students had a life changing event
05:06 where they have become habitual
05:08 in making the right type of financial decisions,
05:11 budgeting, and saving for their future.
05:14 So we see the process there, the studies there.
05:18 We have it as a form of reference.
05:21 And we're using that now to track how young people
05:25 and while as different demographic groups learn
05:28 and how you converse with them
05:30 and how you teach them about self-esteem.
05:34 Now, have you encountered any challenges in teaching,
05:39 you know, how to improve one's self-esteem
05:42 with this social media
05:45 all this stuff with social media that's going on.
05:47 It seems like keeping up with the Joneses kind of?
05:51 Yeah.
05:52 I mean, there are so many different challenges
05:56 to changing someone's characterization
06:01 of what money is all about, because, Jason,
06:03 realistically, it has nothing to do with money.
06:05 It has everything to do with resources.
06:07 It's a resource issue.
06:09 Jesus says in the Bible,
06:11 the love of money is the root of all evil.
06:13 And it does indicate that He wants us
06:17 to be able to make decisions based on those resources
06:19 He provides us.
06:21 There's a story in 2 Kings 4 about the woman that was caught
06:25 in a situation there's even unwrap this one
06:28 and to a large degree, but she lost her husband.
06:31 Okay.
06:32 The husband had not prepared financially
06:34 for their family's future in case of his passing.
06:38 So there's insurance requirements
06:40 that are missed in this case.
06:42 He passes away, has a big debt and the debt collectors
06:45 come and say because you can't pay,
06:47 we're taking your sons.
06:48 Okay, so she goes and talks to Elijah
06:50 and said, hey, you know, I need some help.
06:52 Can you tell me what I gotta do?
06:54 And his first question to her is what resource do you have?
06:58 That is all he asks because he says,
07:00 I have a little bit of oil.
07:03 And he says, okay, take that, gather all these vessels
07:06 into your home, take your sons together,
07:08 all the neighbor's vessels into your home and shut the doors.
07:11 Maybe we can go in depth about this,
07:12 but the real aspect of it,
07:15 he said, shut the door
07:16 because you're gonna have naysayers
07:17 and those that will wonder what you're actually doing.
07:20 But he took that little bit of oil blessed it
07:23 and she was able to fill all of the vessels.
07:26 If you look at the stories, as they're connected,
07:29 the woman caught in adultery had a good self-esteem.
07:33 The gentlemen, the rich young ruler
07:35 came and asked Christ
07:36 how he can gain access to the kingdom.
07:38 And he chose not to follow
07:42 the request of Christ selling all that he had
07:45 because he idolized his possessions.
07:49 If you go back to the woman caught in adultery,
07:51 we all know that woman means church.
07:54 Adultery is defined by the Bible itself
07:57 in Ezekiel 23:37,
07:59 where adultery is considered idolatry and sorcery.
08:04 So it's basically this thing
08:06 that comes between us and Christ.
08:09 The rich young ruler was unwilling
08:11 to give it up and guess what?
08:13 He walked away with a low self-belief,
08:15 low self characterization, low self-esteem.
08:19 He walked away a very sad individual.
08:22 Yes.
08:23 So with all of what we see in social media
08:25 and what we see all around us,
08:27 we see the challenges of having people face the fact
08:31 that we're not dealing with resource,
08:32 we're not dealing with money issues,
08:34 not what the Joneses have that make them better.
08:37 It's what you have inside you.
08:38 You fall at the feet of Christ and you find that
08:42 He is the one that can save you in any type of crisis.
08:45 I always say this, it's not a matter
08:47 of if you're gonna go into a crisis.
08:49 If when you go into a crisis, what resource do you have?
08:52 Do you have an emergency saving?
08:54 Do you have someone you can go to, to help you?
08:56 Do you have a resource that's available?
08:59 The woman caught in adultery had Christ.
09:00 He was right there.
09:02 And He helps her out of, not only helped her out of debt
09:06 he built her self-esteem
09:07 and that characterization has carried,
09:09 probably carried it forward the rest of her life
09:11 using powerful and innovative things within.
09:16 That's deep.
09:17 And I love how you're bringing out the point that, you know,
09:19 what resources do you have?
09:22 You know, so if you have a bunch of liabilities,
09:24 you're probably going to be in trouble, correct?
09:26 You need some assets.
09:29 Yes.
09:30 And that's what came out of that initial study.
09:33 I tell the story in a lot of the classes
09:35 that I have about this woman,
09:37 young lady back in the Great Depression
09:39 she grew up in New York.
09:41 When she got her first job, she worked for a law firm.
09:44 She never made more than real dollar,
09:46 today, dollar is $38,000 a year.
09:49 Over the 67 years that she worked
09:51 she was able to help her attorney bosses
09:55 to buy investments and buy stock
10:00 and that type of thing.
10:02 What she learned from her bosses
10:05 helped build her character,
10:06 build her self-esteem and belief in herself.
10:09 So when she went to buy the investments for her bosses,
10:12 she actually on her small salary,
10:16 she was able to buy, emulate
10:18 exactly what her bosses did except on a smaller scale.
10:21 Right? And so she passed away in 2015.
10:24 She was 95 years of age, 96 years of age.
10:28 Her niece who is one that the executor of her
10:32 will said she had no idea
10:35 that her mom was worth $8.2 million, I heard that.
10:39 Okay.
10:40 So how do we begin the process of understanding
10:46 that it's not about how much you make
10:48 that makes you wealthy,
10:49 it's how much you save,
10:51 how much you keep that makes you wealthy.
10:53 And now the context is, her resources,
10:55 her level of self-efficacy, her self-esteem,
10:58 her self-knowledge of what it was actually about.
11:02 And now she can emulate good examples around her
11:05 to begin that investment and savings process.
11:08 Nobody in her family, in her community
11:12 that lived around her had any knowledge
11:14 that she was worth this amount of money.
11:17 And at her passing,
11:19 she was able to donate 6.2 million,
11:22 $6 million to her foster agency
11:26 and 2 million to Alma mater and the like.
11:29 So they have a lot of application
11:32 to we as individuals.
11:33 What does 3ABN mean to us
11:37 so that when we leave this world
11:39 waiting for Christ to come, that we can leave it
11:43 a portion of what we have invested
11:46 in the resources God has given?
11:48 It's an amazing thing when you can characterize.
11:50 Now she is a woman which is an at risk group.
11:55 We're dealing with changes in demographics,
11:57 where women are living 4.6 years longer than men.
12:01 There's a transition of wealth going to women.
12:04 There are a lot of single houses,
12:07 single led households that rely on one income
12:12 and many people are worried
12:14 about, I can't make it on this one income.
12:17 And I'm finding that the resourcefulness
12:19 that we teach these young people
12:21 is helping them to understand that if they can manage,
12:24 if they can get a roommate,
12:26 if they can figure ways to live within their means,
12:29 they're better able to apply this knowledge.
12:31 I just got a call three months ago
12:33 from a young lady that took a class in 2018.
12:36 She was worried about her specific challenges
12:41 with paying off her credit card debt
12:43 and saving money for a future.
12:45 And she had a little son too, by the way.
12:48 We taught the class and the way we teach the class
12:50 over six full weeks, it helps us establish relationships.
12:54 And then we follow the class
12:55 with a six month savings practicum
12:57 so that they get in the habit of formerly saving
13:00 each and every paycheck.
13:02 When she called, she told me,
13:03 Mr. Thomas, I wanna call you back
13:04 two years later and tell you where I'm at.
13:06 I have $1,000 in my emergency savings fund.
13:09 I have a credit score of 730.
13:12 I've paid off all my credit cards.
13:14 And I have also taken out an insurance policy
13:17 because I have a budget, I'm saving
13:19 and I have the additional income
13:22 to pay for insurance.
13:24 So if something happens to me, my son is taken care of.
13:27 That told me that
13:29 what we're talking about is working
13:31 with these young people.
13:32 It also gives us feedback because the Cal state study
13:37 did talk to a lot of the students we had taught,
13:40 and they have also validated
13:42 that they're now in the formal habit
13:44 of making savings a part of their lifestyle.
13:49 That's huge.
13:50 What tips do you have for someone who's like, well,
13:53 you know, I know I need to start saving,
13:56 but I don't know where to begin and my money
13:58 being in the bank and my savings account
14:01 is really not accruing that much interest.
14:03 So where would you tell them maybe to invest their money
14:08 or what can they put it in that will grow it?
14:12 Wow!
14:13 Very good question.
14:15 There's, there are two issues.
14:17 One is building their self-esteem
14:20 and self-confidence in saving
14:22 and beginning the process of understanding
14:25 that they too can put away funds
14:28 and resources on an ongoing basis.
14:31 But we find that just having a mere knowledge
14:34 of financial knowledge and literacy doesn't mean
14:37 that they will take advantage of the knowledge they have.
14:41 You have to have your self-esteem built
14:44 to a place that you know you can do it.
14:46 So I always say get an accountability partner,
14:49 one who is ensure that you have a budget, write things down.
14:53 We found that like in 70% of the cases
14:57 where we did pre-savings behavior survey,
14:59 many of them they'd never wrote anything down in reference
15:02 to their budget or expenditures,
15:04 they just kept it up in their head, right?
15:06 So if you think about writing down
15:10 where your money comes from,
15:11 and then write down where your money goes,
15:13 and then give each dollar a job,
15:17 and then most importantly,
15:19 live way below your means,
15:21 and look at the resources Christ is giving you.
15:24 So if you're living below your means,
15:26 and then you're using the talent
15:27 Christ has given you,
15:29 you can now use it in so many innovative ways.
15:32 And that when you get an idea of what your strengths are,
15:35 and what really changed my life.
15:37 I did, many years ago I took my strength finders,
15:39 and I found that my top strength is positivity.
15:44 I'm a positive person, I'm trying to be an optimist
15:47 and make sure people understand that,
15:49 you know, the sky's the limit, you can do what you want to do
15:51 if you set your mind to it,
15:53 and you have the right resources to do it.
15:55 I'm also a maximizer,
15:56 you find that people have looked themselves
15:59 from a limited, limitation standpoint
16:01 and not see themselves from a strength standpoint.
16:03 What do you do and what do you do well?
16:06 Put it to work for Christ.
16:07 Once you begin to have confidence
16:11 in that one thing that you do,
16:13 it begins to permeate over other aspects of your life.
16:17 And then that sense of self belief,
16:20 self-assuredness, understanding who you are,
16:23 and the application in your life
16:26 will help you begin to say, okay,
16:29 I now know what I need to do to save an additional,
16:34 you know, $50 a month.
16:36 And I know that if I can set aside
16:39 a savings based on my budget,
16:42 that savings will also allow me
16:44 to look at other investment opportunities.
16:48 You will never be able to invest unless you save.
16:50 If you can never save it means you don't budget.
16:53 And if you don't budget,
16:54 you are always going to be living
16:56 paycheck to paycheck.
16:57 Unlike this young lady from New York,
16:59 who was able to now
17:01 emulate the...
17:06 What is the word I'm looking for the example
17:09 of those successful individuals around them.
17:11 The other thing is surround yourself
17:13 with successful people, talk to successful individual
17:16 and get an understanding of who they are.
17:19 I have one an individual that I am accountable to.
17:24 I have an executive coach
17:26 and I talk to her on a monthly basis.
17:28 She is a very prominent person in our community
17:31 in Orange County.
17:33 And I can't imagine
17:34 going into my meetings unprepared with her.
17:36 But with her
17:37 and the accountabilities I have,
17:40 I want to ensure that I am following
17:42 and adhering to those specific practices
17:44 and making sure I'm becoming the type of executive
17:47 I possibly can be not to lead and control people
17:51 but to motivate and maximize the type of people they can be.
17:55 I love that, you know, having that accountability partner.
18:00 I think that's an excellent piece of advice.
18:04 The other thing I think about is,
18:06 you know, when you have a business,
18:08 and you're in your business, how are you going to,
18:12 you know, maximize your income there?
18:16 You can either increase sales, or you can cut your spending.
18:20 And so that's what it kind of sounds like you're saying,
18:23 just in everyday life as well,
18:25 you know, you can cut your spending to hold on
18:30 and save that extra money to maximize those resources.
18:34 And I see that it's like dying to self.
18:39 That is it. This is biblical.
18:41 It's dying to self and letting Christ
18:42 take control of your life,
18:46 and losing sight of the things around you
18:50 and realizing that we are here.
18:52 Isaiah 58 says that
18:54 well, that we're here to cloth the naked,
18:58 to feed the hungry, to give shelter
19:01 to those that don't have it,
19:02 at least and the Bible specifies,
19:04 you know, looking at the widows and those that are,
19:08 their children that don't have parents.
19:10 And that's why we focused over the past several years
19:13 on our foster youth.
19:15 We can't show a lot of pictures,
19:16 but we can talk to these young people
19:18 because of their category.
19:21 But when we have those relationships with them,
19:24 wow, what they become shows us
19:26 that if that at risk group
19:28 can do it pretty much anyone can.
19:30 It's all about building self-esteem.
19:34 They're building a belief in them that they understand.
19:38 And then what is most important
19:40 is ensuring that you have a conversation.
19:42 I don't teach people.
19:44 I can't talk down to people.
19:46 We have a conversation on an equal level.
19:48 When they have that type of buying
19:50 and that type of ability to get feedback.
19:54 We have a chance to have this conversation this give
19:58 and take and they can learn,
20:02 I can learn what their challenges are
20:04 and then fine tune the curriculum
20:06 and the way we deliver it to these individuals
20:10 on a tailored basis to their specific needs.
20:13 So we tell stories, we tell a lot of stories.
20:15 And we give a lot of examples of my personal experience
20:18 in making bad decisions.
20:19 So they see that it's not out of the norm
20:23 to make a bad decision, you can always redeem yourself
20:25 from spending that extra 50 bucks
20:28 you shouldn't have spent, right?
20:29 And you can now allocate a certain amount of money
20:33 into a savings account that you can use as a later,
20:36 at a later time.
20:37 Yes.
20:39 I love that you have a customizable tailored plan
20:42 for their specific needs.
20:45 There's so much value in that.
20:47 So...
20:48 You save a buck. Yeah.
20:50 So how has, you know,
20:54 I guess being in the financial world,
20:58 strengthened your faith?
21:02 When I first came to 3ABN, I'd strengthened my faith
21:05 to come and see what Christ did through Mr. Danny Shelton.
21:10 It strengthened my faith to see how he was able to use
21:14 the resources that Christ had given him in a way
21:17 that exploded to an international organization.
21:21 It also humbled me to realize
21:23 that resources are provided to us.
21:26 And if we use those resources the right way,
21:29 as the story of the talents,
21:31 we use it simply to think about money,
21:33 but it has nothing to really do about money,
21:35 has to do with, if you have a talent of singing,
21:38 and you sing to God's glory.
21:39 He is going to expand that talent to a place
21:42 that He will bring people to him.
21:44 It goes back to the vessels
21:46 that that woman brought into her home
21:48 to fill with the oil, right?
21:49 The vessels are people, the oil is the Holy Spirit,
21:53 her intention in using her resource
21:56 was to fill people with that spirit.
21:59 If we understand that we're here to give,
22:03 then the Bible now explodes.
22:07 And it's information as to what value Christy places
22:11 on the resources that He gives us.
22:14 And, of course, a resource will be money,
22:16 and we need to use that accordingly.
22:19 Absolutely, I love how you said earlier,
22:21 you know, make your dollar work,
22:24 like give that dollar a job.
22:28 So what are some jobs
22:30 that you can give your dollar?
22:35 There are many different jobs you can give a dollar.
22:38 You can see, you can start a small business off the side,
22:41 you know, they have a unique one
22:43 called I would say this, it's called Offer Up.
22:46 It's free, you sign up, you take a picture
22:49 of an item that you want to get rid of,
22:50 and you can sell it for 5, 10, $15, whatever.
22:54 You know, the going rate would be, you can,
22:56 every one of you have probably, if you have a garage,
22:59 you probably have 500 to $1500 worth of stuff
23:03 that you can get rid of.
23:04 And then use that money to invest
23:06 in some form of evangelism.
23:11 We can put together hygiene kits
23:15 because there are a lot of people
23:16 who are dealing with homelessness issues.
23:19 We can put booklets together, you can hand out
23:21 individual ongoing basis,
23:22 you can begin to tell your story.
23:26 That is one of the best ways to utilize your time.
23:30 Time is money and tell your story
23:33 about how God has blessed you
23:35 and some of the visions you are now able to make
23:39 because of your self-assuredness in His care.
23:44 And that I don't need the things
23:45 in this world to make me happy.
23:48 Yeah, so use your dollar to spread the gospel.
23:50 What would you say to someone who's out there
23:53 and they're saying, well,
23:55 I'm too broke to pay tithe and offering.
23:57 What would you say to that individual?
24:01 I would look at in a nonjudgmental way.
24:05 I've learned that it's really important
24:06 not to judge people where they're at,
24:07 but to try to pull them to a place
24:09 that they can understand
24:11 that tithing is a gift given to you.
24:17 And when you get involved with tithing
24:20 and offering not just 10,
24:22 but increasing to 15 and even 20%
24:25 and doing those things with Christ's money
24:29 that he would have you do,
24:31 you'll find so much of a blessing.
24:33 But I would say this, you're not tithing
24:35 because you're spending what you make,
24:36 you're not tithing because you're not budgeting.
24:38 Off the top of each paycheck, pay your tithe,
24:42 do that first and then second, put money into savings account.
24:47 Third, pay your essential bills,
24:49 keep a roof over your head
24:50 and then fourth and take care of those other type of bills.
24:54 And then of course, part of that essentially
24:56 is paying down your debt as quickly as you possibly can.
24:59 So I would say that, with that in place,
25:01 if you have a budget,
25:03 there's no reason why you cannot make ends meet.
25:07 And if you find that your budget doesn't work
25:09 means maybe that you're spending
25:10 more than you bring in,
25:11 which means you're in a dangerous position,
25:13 you have to figure a way to cut out those things
25:16 that you don't need.
25:17 I ran into a person the other day that,
25:20 you know, spending almost $1200 a month on a car,
25:24 and but was over her head with a budget.
25:26 So there's simple decisions you need to make.
25:30 We were able to do a little bit of research, and we found out,
25:33 I heard about by another financial person,
25:37 he said that the research was done
25:40 on a 10,000 millionaires.
25:42 The average age of the cars they own is four years
25:46 with an average of 41,000 miles on the car.
25:49 Every time you buy a new car, it's automatically used
25:51 as soon as you drive it off the lot.
25:53 So there's a bunch of used cars being driven.
25:55 There's no new cars driven on the road, right?
25:56 Yes.
25:58 So if we keep in context
25:59 that there are things you can do,
26:02 to take away from those budgetary issues
26:06 that cause you to spend over your limit,
26:09 you can get things in line relatively quickly
26:11 when you look at your needs versus your wants.
26:13 And if you figure out what you actually need,
26:16 you can get rid of those debt items,
26:18 you'll be in a far better situation.
26:21 And then you can begin the process
26:23 of seeing that growth in your spirituality
26:27 and in giving by tithing
26:30 and giving back to God once again.
26:32 Amen.
26:33 You've been dropping a lot of gems,
26:36 both spiritual and financial gems.
26:40 How can people get in touch with you,
26:43 if they want to learn more,
26:44 if they want to take a class from you?
26:48 You know what's really great.
26:49 And I know we have a minute left,
26:51 but I'm going to say this.
26:52 We have learned over the past pandemic year
26:54 to do all of these classes via virtual classes.
26:58 You can line up for a webinar, we can schedule it via Zoom.
27:02 If you're interested in a webinar,
27:04 we can send out a Zoom link if you send me
27:07 an email to axisfoundation@gmail.com
27:11 and say, "I'm interested in a webinar."
27:14 Tell me what type of area that you're interested in.
27:17 And we can set up a webinar specific to the things
27:20 that you're interested in and have a conversation about
27:23 and we can work from there.
27:24 But that's helped us be able to reach the globe
27:27 without having to go from my home office.
27:30 And by the way, it gives us a much more of an opportunity
27:35 to get into more depth.
27:36 Amen.
27:37 And we want people to visit the website
27:39 to axisfi.org
27:43 Thank you so much for coming on
27:45 and dropping these wonderful gems, Cordell.
27:48 And we want to thank you for joining us.
27:50 Well, we've reached the end of another program.
27:52 Until next time, God bless.


Revised 2021-06-03