December 5, 2025

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Why Garden Pods Are a Smart Investment for Remote Work and Growing Businesses

Kivo Daily Staff on August 16, 2025

Garden pods offer a practical and efficient solution for remote work and expanding businesses by providing dedicated, private workspaces separate from the main home. These standalone garden rooms reduce distractions and support focus, enabling better productivity while maintaining a healthy work-life balance.

Investing in garden pods offers flexible, customizable environments that can adapt to business needs, making them a solid long-term choice for remote professionals and organizations alike. Beyond functionality, garden pods have the potential to add value to properties, providing both aesthetic appeal and extra usable space.

By combining comfort, privacy, and easy access to outdoor surroundings, garden rooms align with modern work demands while reflecting sustainability and well-being trends. This balance makes them a popular option for those looking to enhance remote work setups or accommodate business growth.

Core Reasons Garden Pods Can Be a Smart Investment for Remote Work

Garden pods create an environment focused on work by separating professional tasks from everyday home life. They offer advantages that can support efficiency, mental health, and professionalism, contributing to more effective remote work.

Enhancing Productivity and Focus

Garden office pods help reduce common distractions found inside the home. By placing workspaces in separate garden structures, individuals may find greater control over noise and interruptions. This clear physical boundary can assist in maintaining focus on tasks.

Many pods are designed with technology integration to support connectivity and efficient workflows. The layout encourages organized setups with ergonomic furniture, which can help improve comfort and reduce fatigue during work hours. This focused environment can lead to higher output and better quality results.

Achieving a Better Work-Life Balance

Having a dedicated garden workspace can help set clear boundaries between work and personal time. Moving in and out of the pod may act as a signal for starting and ending the workday, helping to reduce the tendency to overwork.

The connection to nature in garden pods creates a calming atmosphere that may support mental well-being. Fresh air and natural light may contribute to reduced stress levels and increased job satisfaction. These factors can assist remote workers in avoiding burnout by maintaining better emotional health.

Providing a Dedicated, Professional Workspace

Garden pods offer a designated area designed specifically for work, unlike makeshift home office setups. This dedicated space can provide a more professional setting for meetings, calls, and focused projects.

Having a coherent space tailored to business needs can help with better organization and fewer distractions. It also helps signal professionalism to clients or colleagues, enhancing credibility. The pod environment supports remote workers in maintaining productivity standards typically expected in traditional office settings.

Key Features and Flexible Benefits of Garden Pods

Garden pods combine practical design and adaptable functionality to enhance any property. Their standalone nature provides privacy and flexibility, while features like insulation, natural light, and modern technology help create comfortable and efficient environments. These elements meet diverse needs ranging from workspace to guest accommodation.

Standalone Structures for Privacy and Versatility

Garden pods are independent buildings, separate from the main home, ensuring privacy and minimizing distractions. This separation is ideal for focused work, offering a clear boundary between personal and professional life. Their compact size allows placement in most outdoor spaces without requiring major landscaping.

These structures can serve multiple purposes beyond offices, such as guest rooms or hobby studios. Their design can be customized to fit specific needs. This versatility may increase the value of both the pod and the property by maximizing usable outdoor space.

Natural Light, Insulation, and Year-Round Comfort

Large windows and strategically placed skylights bring in ample natural light, reducing the need for artificial lighting during the day. This helps create a pleasant atmosphere that may support productivity and well-being.

Effective insulation in walls and roofs helps maintain a stable internal temperature during all seasons. Combined with ventilation and weatherproof materials, this ensures the pod remains comfortable year-round. These features could reduce heating and cooling costs compared to traditional building extensions.

Expanding the Value of Garden Pods for Modern Lifestyles

With the evolution of remote work and flexible business models, the demand for adaptable workspaces has increased. Pods are at the forefront of this shift, offering a solution that is both practical and future-friendly. Whether you are a freelancer, entrepreneur, or part of a growing business, having a dedicated outdoor workspace could transform the way you approach your daily routine.

Beyond serving as a professional office, garden pods are also being used for creative studios, fitness rooms, or even wellness retreats. Their design flexibility allows homeowners to repurpose the space as needs change, ensuring the investment remains relevant over time. This adaptability is particularly valuable for families who might choose to use the pod as a teenage den, guest room, or hobby space in the future.

Security and privacy are additional advantages. Modern pods often feature robust locking systems, sound insulation, and privacy glass, creating a secure environment for sensitive work or confidential meetings. This is especially beneficial for professionals who handle private data or require a quiet space for video conferences.

Installation is typically straightforward, with most pods designed for quick assembly and minimal disruption to your garden. Many companies offer bespoke solutions, tailoring the pod’s size, layout, and finishes to suit individual tastes and requirements. This personalization ensures your pod integrates seamlessly with your outdoor space and lifestyle.

Finally, investing in a garden pod has the potential to boost property value. As more buyers prioritize flexible living spaces, a well-designed pod may help your home stand out in the market. It represents not just extra square footage, but a lifestyle upgrade that supports productivity, well-being, and adaptability for years to come.

How Dr. Connor Robertson Uses Data to Drive Business Decisions Post-Closing

Kivo Daily Staff on August 14, 2025

By: Dr. Connor Robertson

Acquiring a business is a high-stakes move. But what happens next—how the owner makes decisions in the first 90, 180, and 365 days—can significantly influence whether that business grows, plateaus, or experiences challenges. Many owners tend to rely on instinct. Dr. Connor Robertson, on the other hand, leans on data.

Not spreadsheets for the sake of spreadsheets. Not complex dashboards that no one reads. Just clean, relevant, decision-driving data that shows where money is made, lost, and optimized. For Dr. Robertson, using data is not optional; it’s an essential part of the process. Every business he acquires or advises operates on clear metrics that guide everything from pricing strategy and staffing to retention, marketing, and future growth planning.

The Problem: Many Small Businesses Operate in the Dark

Dr. Connor Robertson often inherits businesses that seem successful at first glance but are deeply reactive internally. The owners know their revenue… but it’s often somewhat vague. They may have a rough idea of their margins. They track leads manually. And no one on the team can answer simple questions like:

  • Where are we losing the most money?
  • What service line is the most profitable?
  • Which team member converts the highest number of deals?
  • Which zip codes are driving the right customers?

These questions aren’t just trivia. They can be the difference between staying stagnant and scaling effectively.

The Mindset: Measure What You Want to Improve

Dr. Connor Robertson encourages every owner to adopt the principle: “You can’t improve what you don’t measure.” But that doesn’t mean tracking thousands of metrics. It means selecting the few that matter most, building habits around them, and using them in decision-making regularly—not just at tax time.

The 5 Categories of Data Dr. Connor Robertson Tracks in Every Business

While every acquisition is unique, the structure remains consistent. Dr. Robertson focuses on tracking five core categories of data across all his businesses.

1. Financial Data

Before you can grow, it’s crucial to understand where the money is actually going.

Key metrics include:

  • Gross revenue (daily, weekly, monthly)
  • Cost of goods sold (COGS)
  • Gross profit margin (tracked by service line)
  • Net profit and cash reserves
  • Accounts receivable and payable 
  • Monthly recurring revenue (if applicable) 

Dr. Robertson sets up simple dashboards using tools like QuickBooks, LivePlan, or Google Sheets to track these weekly. This allows him to see the financial health of the business at a glance and make adjustments if something dips.

2. Marketing and Lead Flow

Sales don’t just happen. Leads come from various sources, and it’s essential to know which channels perform best.

Key metrics include:

  • Lead source breakdown (Google, Facebook, referrals, etc.)
  • Cost per lead (CPL) by channel
  • Lead-to-customer conversion rate
  • Total new leads per week/month
  • ROI by campaign 

Dr. Robertson uses CRM tools like Go High Level to automatically tag and track each new lead, turning marketing into a more predictable and measurable process.

3. Sales Performance

Getting leads is important, but converting them is crucial. That’s why Dr. Robertson emphasizes sales metrics.

Key metrics include:

  • Number of consultations, quotes, or estimates per rep
  • Close rate per salesperson or service team
  • Average deal size
  • Sales cycle length (from inquiry to payment)
  • Lost deal reasons (tagged and tracked) 

He builds simple sales pipelines that show exactly where deals are stalling and how each team member is performing. The goal isn’t to micromanage but to identify patterns, coach better, and improve cash flow.

4. Customer Experience and Retention

Customers not only pay the bills but also refer, review, and repurchase. Dr. Robertson tracks customer satisfaction meticulously.

Key metrics include:

  • Net Promoter Score (NPS)
  • Customer retention rate (year over year)
  • Repeat purchase rate
  • Average lifetime value (LTV)
  • Review velocity and score on Google, Yelp, etc. 

He installs automated feedback loops, email and text surveys, review requests, and follow-up forms to measure happiness early and often. This lets the team address any issues before they become significant problems and celebrate the positive feedback that boosts morale.

5. Operational Efficiency

Lastly, Dr. Robertson tracks how well the team is executing.

Key metrics include:

  • Jobs completed per tech or per crew
  • Average time per job
  • % of jobs completed on time
  • Reschedule and cancellation rates
  • Labor cost as a % of revenue 

He uses tools like ClickUp, ServiceTitan, or even simple whiteboard KPIs to review operational performance every week. When data shows a bottleneck, such as jobs running long or crews being underutilized, Dr. Robertson adjusts schedules, improves training, or revises capacity planning.

Real Results from Data-Driven Decisions

Here are a few anonymized examples of how data led to positive outcomes in Dr. Robertson’s portfolio:

  • A roofing company found that one zip code had a higher conversion rate compared to others. They adjusted their ad spend allocation to focus more on this area, leading to a noticeable improvement in return on investment within a few weeks.
  • A physical therapy clinic identified that a portion of patients weren’t rebooking. A follow-up email campaign aimed at encouraging rebooking resulted in an increase in annual revenue.
  • A commercial cleaning firm tracked job completion by crew and identified a high-performing team leader. By promoting him and implementing his approach across the team, the company experienced improvements in efficiency. 

Data doesn’t just help make better decisions—it helps make them faster and with less emotional bias.

Tools Dr. Robertson Uses to Track Business Data

He avoids bloated enterprise software and prefers simple, team-friendly tools:

  • QuickBooks Online for financials
  • Google Sheets or Airtable for customizable dashboards
  • Go High Level or HubSpot for CRM, lead tracking, and sales pipelines
  • ClickUp or Monday.com for task and operations metrics
  • Databox or Looker Studio to visualize trends and KPIs 

Each tool is selected based on the business size and how easily the team can maintain it.

How He Trains Teams to Use Data

Data is ineffective if the team doesn’t engage with it. That’s why Dr. Robertson:

  • Holds weekly team huddles where KPIs are reviewed
  • Assigns ownership: “Who owns this metric?”
  • Publishes a public scorecard in the office or via Slack
  • Offers team bonuses or incentives tied to performance 

By making data visible and actionable, he turns it into a source of momentum, not something to fear.

Final Thought: Data Doesn’t Replace Judgment, It Enhances It

Dr. Connor Robertson doesn’t run his businesses like a robot. He still trusts his intuition, listens to his team, and adapts to the context. But data provides him with clarity, allowing him to make decisions decisively, cut waste, and double down on what works. In a world where many small businesses are left to guess, he’s measuring. And that’s why his businesses grow steadily, operate efficiently, and exit at strong multiples.

To learn more about how Dr. Robertson uses data to grow and protect acquired businesses, visit www.drconnorrobertson.com.

 

Disclaimer: The views and strategies expressed in this article are based on Dr. Connor Robertson’s personal experiences and professional insights. Results may vary depending on individual circumstances and business environments. While data-driven decision-making has proven effective in many cases, there is no guarantee that these methods will achieve the same outcomes for all businesses. Readers should assess their unique situations and consider consulting with a professional before making any business decisions.

SUNY to Harvard: How Gregory True Bridges Street Smarts with Elite Finance

Kivo Daily Staff on August 13, 2025

By: Jeffrey A. Coleman

True financial wisdom isn’t found in textbooks alone; it’s shaped through real-life experiences. For every entrepreneur managing tight margins at closing time, and for every worker balancing bills and dreams, finance becomes survival before it becomes strategy. This practical understanding is what has shaped resilient leaders like Gregory True, who transformed his SUNY Binghamton hustle and Harvard Financial Economics training into practical tools for real-world situations.

Gregory balanced textbooks with part-time work. Every shift taught him something new. Money wasn’t just numbers on a page. It meant paying rent or buying supplies. Years later, he earned a Financial Economics certificate from Harvard. But he never forgot his roots. “Elite finance tools are useful only if you can apply them in a real business environment,” he says, reflecting on his journey, which also inspired his book Proud Wealth. Through this work, he attempts to make high-level finance accessible and practical for everyday people.

Harvard Tools for Main Street

Gregory applies Harvard concepts regularly in his salons but keeps things simple. Take “liquidity ratios”; he calls this “cash breathing room.” His staff tracks three key numbers: First, daily cash runway—this indicates how long the business can survive if income stops. Second, client retention cost—which shows how much it costs to retain a loyal customer. Third, emergency fund ratio—which ensures the business can manage three months of rent and bills. These numbers guided every decision during COVID. “We didn’t guess,” Gregory says. “We knew.”

Why Local Businesses Can Outlast Larger Corporations

Gregory witnessed many “expert”-run businesses struggle during hard times. His salons managed to survive, however. Why? Small business owners focus on what truly matters: trust within the community. When COVID hit, Gregory’s clients prepaid for services because they wanted to support his team. He renegotiated rent instead of cutting staff.

He tracked daily cash flow, rather than relying on complex reports. “Big corporations often chase growth,” he explains. “We focus on survival. That’s why local shops can sometimes weather storms better.” This practical mindset shapes his book Proud Wealth, which prioritizes security over flashy success.

The Three Lifesaving Ratios

When COVID shut down Gregory’s salons overnight, his three key ratios became lifelines. The daily cash runway showed 47 days of safety, which bought enough time to pivot. His team began mobile pet grooming services almost immediately. The client retention cost approach shifted their marketing strategies.

Rather than relying on ads, they simply texted loyal customers: “Need dog food? We deliver.” Retention costs dropped significantly. The emergency fund ratio helped maintain calm, as they had four months of savings to navigate the crisis. “Business schools often teach complex models,” Gregory notes. “But these three simple numbers proved crucial in a real-world situation.”

Mixing Street Smarts and Elite Skills

Gregory’s SUNY years taught him hustle. Harvard gave him analytical tools. His strength lies in blending both. He turns concepts like discounted cash flow into plain questions such as, “Will this new shampoo earn back its cost?” His salon staff understands because he speaks their language, not jargon. Proud Wealth does the same: it simplifies intimidating financial concepts into clear, actionable steps.

Build Your Own Financial Armor

Gregory’s advice to entrepreneurs is straightforward: don’t be overwhelmed by fancy degrees. Instead, master these essential skills: Know your key numbers every day. Build real relationships, not just transactions. Prepare for challenges before they arise. These fundamentals can help create strong businesses and promote personal financial resilience.

Ready to Take Control?

Gregory True’s Proud Wealth turns financial theory into tools for real-world survival. Learn how to protect your income, navigate crises, and work toward lasting security. Get your copy today – financial empowerment is for everyone, not just a select few.

Disclaimer: The information provided in this article is for general informational purposes only and does not constitute financial advice. While the financial principles discussed may be useful to some individuals, results may vary depending on individual circumstances. Always consult with a qualified financial professional before making any decisions related to finance, investment, or business strategies.

The Power of Mentorship: Joe Shalaby’s Commitment to Empowering Minority Professionals

Kivo Daily Staff on August 11, 2025

Mentorship plays an important role in the personal and professional development of individuals, especially those from underrepresented backgrounds. Joe Shalaby, founder of Centurion Capital, has recognized the value of mentorship and developed a notable program called Lift While You Climb. This initiative focuses on providing opportunities and guidance to minority professionals, helping them overcome barriers and progress in their careers.

What Is Lift While You Climb?

Lift While You Climb is a mentorship initiative created by Joe Shalaby to assist talented minority professionals who may face challenges in accessing networks and resources that are important for career growth. The program pairs promising individuals with experienced executives for a 12-month journey of personal and professional development. With an emphasis on measurable goals, mentorship in this program goes beyond just guidance, aiming for meaningful outcomes.

The Key Elements of Joe’s Mentorship Framework

Joe’s mentorship program is structured around three key principles that are designed to provide mentees with a holistic approach to achieving success:

Discipline: This principle focuses on establishing daily habits that support productivity and growth. The emphasis is on monitoring progress through Key Performance Indicators (KPIs), with mentees encouraged to track their improvements. Joe advocates for deliberate practice as a means of refining skills and maintaining consistency in all endeavors.

Mindset: A significant aspect of the mentorship is addressing the psychological barriers that can impede professional success. Issues like imposter syndrome, which are commonly faced by many, particularly those from minority backgrounds, are tackled directly. Joe’s framework promotes evidence-based confidence, encouraging mentees to believe in their abilities through the accomplishments they make along the way.

Execution: Turning ideas into action is crucial. Joe’s approach prioritizes taking action, advising mentees that “done beats perfect.” This mindset reinforces the importance of focusing on completing tasks over overthinking, helping mentees stay productive and oriented towards achieving tangible results.

Achievements and Impact of Lift While You Climb

Since its launch, the Lift While You Climb program has provided valuable opportunities for participants to develop professionally and personally. Many alumni have gone on to create their own ventures, applying the skills and insights gained during the program to further their careers.

In addition, many graduates have chosen to return as mentors, contributing to a continuous cycle of support and knowledge sharing. This reciprocal mentorship model helps foster an environment where both mentees and mentors can grow and benefit from the experience.

Scaling the Impact of Mentorship

Joe Shalaby recognizes that the true power of mentorship lies in its ability to scale. By documenting his mentorship framework and making it publicly available, he is working to expand the reach of his work beyond the 12-month program. His upcoming online course, which will be made accessible to public-school seniors in underserved districts, illustrates how mentorship can be democratized. Joe’s dedication to sharing his knowledge is a significant step toward making mentorship opportunities accessible to a wider audience, particularly those who may not have the resources to succeed.

The Power of Pay-It-Forward Mentorship

Through Lift While You Climb, Joe Shalaby has created a mentorship program that offers more than just career guidance. By focusing on discipline, mindset, and execution, the program empowers minority professionals to develop their careers and build their companies. With his track record, Joe is not only influencing lives but also creating a scalable model for mentorship. The impact of Lift While You Climb is expected to continue growing as more individuals receive mentorship, more companies are created, and more mentors contribute to the cycle.

How RECODemand Is Leading the Real Estate Automation Shift in 2025

Kivo Daily Staff on August 11, 2025

In real estate, timing is important, but so is efficiency. Across North America, agents and mortgage professionals are navigating a market that often requires both speed and precision. Many are finding that juggling a variety of disconnected apps may no longer be the sustainable option. This is where RECODemand has positioned itself as a solution, building a name as a complete system that combines technology, education, and practical strategy into something agents can use in their day-to-day activities.

From Pieced-Together Platforms to a Single Flow

Ask any experienced agent about their tech stack, and the response is often similar: “It’s complicated.” A CRM for contacts, a calendar tool for scheduling, an ad manager for campaigns—this is just the beginning, before even considering email platforms and analytics dashboards.

RECODemand’s approach contrasts with that sprawl. Everything from ad campaigns to appointment booking operates in a single, connected workflow. In 8 Real Estate Marketing Ideas for 2025, their team outlines why having each piece in sync can be impactful: it’s not necessarily about doing more, but rather about focusing on making the right things happen in the right order.

Education Before the Ask

The company’s strategy relies on a principle that’s becoming harder to overlook: people tend to trust those who offer them something useful. Instead of sending cold emails or relying on generic mortgage social media posts, agents using RECODemand invite prospects into short, topic-focused webinars.

This method isn’t just a “soft touch.” It’s a thoughtful decision to create familiarity and authority before initiating the first one-on-one conversation.

Automation That Works in the Background

Here’s how a typical campaign might unfold:

A targeted Facebook ad captures the attention of homeowners considering selling or buyers tracking the market.

Interested individuals click through to a registration page for a webinar tailored to that group.

Inside GoHighLevel, email and SMS reminders are queued automatically.

When they’re ready, booking happens through Calendly—without the need for any back-and-forth.

The benefit isn’t that it removes the human element; it’s that it allows human energy to be focused on the conversations that matter. The repetitive work—reminders, confirmations, and follow-ups—runs quietly in the background. As Pipedrive’s take on real estate automation highlights, smart systems help agents focus more on building relationships than chasing paperwork.

Changing the Shape of a Workday

Agents who’ve transitioned to this model often describe a similar shift: fewer interruptions, a cleaner real estate schedule, and more calls with people who are genuinely interested. This mental clarity is no small factor in a business where distractions are common.

And because RECODemand’s team continuously tests and refines each campaign, adjusting ad creative, webinar content, and audience targeting, results are not left solely to chance. This adaptability is especially useful for those working with aged mortgage leads, where timing and messaging can be critical in determining whether a response happens promptly or fades away.

Not Just Another “Tool”

What sets RECODemand apart from typical real estate agent tools is its combination of software, coaching, and creative assets. Agents aren’t handed a login and expected to figure everything out on their own; the system is pre-configured for them, with the tech stack integrated, ad copy written, and a webinar funnel ready to run.

A recent article on hosting webinars makes a compelling case for why this format is effective: hearing someone’s voice, seeing their process, and receiving practical advice builds a level of trust that no static social media post can quite replicate.

A Long-Term Play, Not a Quick Fix

Markets will continue to shift, algorithms will keep evolving, and advertising costs will fluctuate. But the core of RECODemand’s method—inbound marketing lead generation built on education and supported by automation—doesn’t depend on fleeting trends.

For new agents wondering how to market themselves or for veterans aiming to scale without burnout, this approach is designed to endure. It combines the efficiency of lead-generation automation tools with the personal connection that encourages clients to return.

Final Word

Automation in real estate isn’t about replacing people; it’s about ensuring that the right people connect at the right time. By streamlining the process from the first click to the first conversation, RECODemand helps agents and lenders move away from scattered tactics and towards a coherent, repeatable system.

 

Disclaimer: The information provided in this article is for general informational purposes only. It is not intended as professional advice. Readers are encouraged to consult with relevant professionals for advice tailored to their individual circumstances.

Marianne Galasso’s Vision for Empowering Emerging Artists

Kivo Daily Staff on August 8, 2025

By:  Aimee Tariq

We all know the image of the “starving artist” — working odd jobs by day, creating by night, hoping for a break that rarely comes. The romanticism of that image has been reinforced by decades of movies, books, and folklore. But for most artists, it’s not a noble struggle. It’s simply reality.

The art world can be brutally complex — not for lack of talent, but for lack of access. Marianne Galasso knows this story intimately. She’s spent her entire career rewriting it.

“Most artists don’t fail because their work isn’t good,” she says. “They fail because they’re stuck wearing too many hats.”

Building A Different Kind Of Platform

Galasso is the founder of EFAB, a fine art platform built to flip the traditional model on its head. There are no upfront costs for artists, no gallery gatekeeping, and no expectation that they also play the roles of marketer, salesperson, and logistics coordinator.

Instead, artists focus on their work — while EFAB handles the rest.

The platform takes care of professional photography, framing, storage, shipping, and fulfillment, but only after a piece sells. This means creators can participate without the usual financial risks that keep so many on the sidelines.

The Hidden Barriers No One Talks About

For artists, the hurdles begin early — and they’re often invisible to outsiders. Framing a large piece can cost hundreds of dollars. Storing unsold inventory requires space that they may not have. Shipping to buyers — especially internationally — can be prohibitively expensive.

Even getting into art fairs or traditional galleries comes with its price tags: application fees, booth rentals, and marketing collateral. And all of that assumes an artist has the time to self-promote.

“You’d be shocked how many incredibly talented artists are working as baristas or assistants just to cover studio rent,” Galasso says. “The art world rewards visibility, but not everyone has the time or money to be visible.”

With EFAB, artists are invited based on quality, not budget. Once onboarded, they gain access to professional presentation and fulfillment without paying upfront.

Why The System Isn’t Working — And Who It Leaves Out

Traditional galleries often favor established names, operate on volume, and take commissions that can reach 50% or more. For emerging artists, that’s a steep climb. Even those accepted into reputable galleries can find themselves with just a handful of works on display, buried among dozens of other artists, with little marketing push.

Meanwhile, the rise of online marketplaces has created a different problem: oversaturation. With thousands of low‑quality listings competing for attention, many exceptional works go unseen.

“The current system filters by privilege, not potential,” Galasso says. “And that’s a loss for everyone.”

EFAB is designed as an alternative. It’s not about mass listings or chasing trends. It’s about building sustainability for artists who’ve been overlooked — those who are brilliant but don’t have trust funds, business degrees, or the bandwidth to hustle on social media every day.

Supporting The Artist as a Whole Person

Galasso’s model is rooted in empathy. Her own career path gives her perspective: as a fashion student and young mother, she learned firsthand how challenging it is to sustain creative work while managing real-life responsibilities.

She remembers juggling childcare with client meetings, or staying up late to complete projects after putting her kids to bed. That lived experience shaped EFAB’s approach: it respects the whole artist, not just the part that produces.

“We assume artists have time to promote, pitch, frame, and sell. But what about the ones raising kids or caring for parents? What about the ones holding down jobs just to survive?” she asks.

By removing logistical and financial burdens, EFAB gives artists room to breathe — and, more importantly, room to create.

From Passion Project To Platform

What began as a personal response to the broken systems she saw around her has become a growing movement. Galasso now works with artists from around the world — many of whom had never sold outside their local community before EFAB.

She curates the platform herself, reviewing submissions and selecting pieces based on quality, originality, and narrative voice. Every work is given context, and every artist receives personalized support. It’s a high‑touch, high‑integrity model that’s rare in an industry driven by volume and speed.

“We don’t want thousands of listings,” she says. “We want pieces that mean something — to the artist and to the buyer.”

Changing The Narrative — One Artist at a Time

For Galasso, EFAB isn’t just about commerce. It’s about dignity. It’s about ensuring that an artist’s work — and story — doesn’t end up in a storage unit or buried on a forgotten webpage. It’s about preserving creativity not just as a product, but as a livelihood.

“There’s so much unrealized brilliance out there,” she says. “I don’t want to wait for the world to catch up. I want to build the structure that makes it possible.”

That structure is what makes EFAB different. It’s a bridge between the purity of creation and the practicality of selling — without forcing artists to compromise one for the other.

An Invitation, Not a Transaction

Collectors benefit from EFAB’s model as well. Instead of sifting through endless online listings, they step into a curated experience. Each piece comes with a story. Each purchase supports an artist who’s been selected for their craft, not their marketing budget.

For Galasso, it’s about re‑humanizing the relationship between artist and buyer. “When someone invests in a piece of art, they’re investing in a person’s vision, time, and heart. That deserves a platform that treats it with care,” she says.

With EFAB, Marianne Galasso is proving that the future of fine art doesn’t have to be defined by exclusivity or exploitation. It can be built on equity, empathy, and excellence.

For the thousands of creators still waiting for their break, she’s offering something even more valuable than exposure: a way in — and a way forward.

The Human Factor in M&A: Imran Tariq on the Role of Relationships in Deal-Making

Kivo Daily Staff on August 5, 2025

By: Ken Mack

In today’s business‑for‑sale marketplace, algorithms are often seen as tools that can offer speed, exposure, and efficiency. List your business online, let automated matching tools connect you to “qualified buyers,” and wait for the offers to potentially roll in — at least, that’s the premise.

But in practice, mergers and acquisitions (M&A) are rarely decided solely by the clicks of a platform. They’re decided by people. By trust. By nuanced conversations and shared goals.

Imran Tariq, co‑author of The 3‑4 Cash Rule, has observed firsthand: relationships, not algorithms, tend to foster stronger deals, smoother negotiations, and more sustainable long‑term outcomes for both buyers and sellers.

Why Algorithms Fall Short in M&A

Listing platforms are designed for volume. Their goal is to generate as many matches as possible between sellers and potential buyers. But volume does not always equate to value.

Algorithms often miss the most important variables in an M&A transaction:

  • Cultural fit – Will the buyer’s leadership style work with the seller’s team?
  • Shared vision – Does the buyer see the same future for the business?
  • Negotiation chemistry – Can both parties problem‑solve effectively together?

These aren’t data points that can be scored or sorted by a machine. They’re human‑level dynamics that reveal themselves through conversation, trust‑building, and mutual respect.

Trust: the Invisible Currency of Every Deal

In The 3‑4 Cash Rule, Imran Tariq emphasizes that trust typically develops before contracts are signed. Sellers are more inclined to share sensitive details — and buyers are more likely to make fair, timely offers — when there’s a foundation of mutual confidence.

Trust typically grows from:

  • Personal introductions rather than cold outreach.
  • Consistent communication that keeps both sides informed.
  • Transparency about goals and expectations from the start.

This is where a curated, relationship‑driven process tends to offer an advantage. Instead of pushing through a volume of cold inquiries, a skilled deal finder works to create warm, relevant introductions between parties who have already been vetted for alignment.

Negotiation is a Skill — Not an Algorithm

Algorithms can calculate market multiples or suggest deal structures, but they can’t navigate the subtleties of negotiation.

Great negotiations in M&A often focus on collaborative problem‑solving, rather than rigidly following preset terms. Skilled negotiators — whether they’re the seller, the buyer, or a deal finder — can:

  • Understand what truly matters to each side.
  • Propose creative solutions when terms are sticking points.
  • Preserve goodwill even when discussions get tense.

Imran Tariq notes that a strong human negotiator can often preserve deals that would otherwise face challenges if left to automated processes or rigid templated offers.

Personal Rapport Drives Post‑Deal Success

A deal doesn’t end at closing — in many cases, the seller stays involved during a transition period, and the buyer inherits the seller’s team, customers, and culture.

If the relationship between buyer and seller is strained or distant, those handovers may not be as smooth. But when personal rapport is strong, the transition tends to be easier and more effective.

Rapport can’t be generated by a listing description. It grows through:

  • Meaningful first meetings.
  • Honest conversations about strengths and weaknesses.
  • A mutual commitment to making the deal work for everyone involved.

Why Curated Introductions Work Better Than Public Listings

While a public listing may get more views, a curated introduction often results in more traction. That’s because:

  • The buyer is already pre‑qualified for readiness, capacity, and fit.
  • The seller’s time is protected, with only serious conversations taking place.
  • The introduction feels personal, not transactional — which tends to create a better tone for negotiations.

In The 3‑4 Cash Rule, Imran Tariq refers to this as “quality over quantity in motion.” The goal isn’t to speak with everyone; it’s to speak with the right people.

The Role of the Deal Finder in Protecting the Human Factor

A skilled deal finder doesn’t just line up meetings. They manage the delicate balance between protecting the seller’s interests and keeping buyers engaged. This involves:

  • Vetting buyers discreetly before introductions.
  • Preparing both parties for the first conversation.
  • Facilitating follow‑ups to maintain momentum without pressure.

By actively managing the relationship from first call to close, the deal finder ensures that trust, rapport, and understanding are present at every stage — things no algorithm can fully replicate.

When Relationships Save the Deal

Consider a scenario where a buyer’s financing timeline shifts unexpectedly. An algorithm might simply label the deal “inactive” and move on. But in a relationship‑driven process, the deal finder can step in, explain the situation, and work with both sides to adjust timelines or restructure terms.

Because there’s a personal connection, both parties are more likely to find a solution instead of walking away.

The Bottom Line: Relationships Create Resilience

The human factor in M&A is more than just a nice‑to‑have — it’s a deal‑making asset. Trust smooths the bumps in negotiation. Rapport eases the post‑deal transition. And personal introductions protect both parties from the wasted time and uncertainty that come with cold, algorithm‑driven outreach.

As Imran Tariq says in The 3‑4 Cash Rule:

“An algorithm might match a seller to a buyer, but a relationship is what takes them to the closing table.”

For sellers looking to achieve not just a signed agreement but a truly successful outcome, the choice is clear: skip the endless scroll of public listings and work with someone who prioritizes people over platforms.

Because in M&A — as in most of life — the right relationship tends to outperform the perfect algorithm.

 

Disclaimer: This article is for informational purposes only. It is not intended as professional, legal, or financial advice. While the content has been created with care and accuracy, readers should seek expert consultation before making any decisions based on the information provided.

Why Trust Beats Tricks in Email Deliverability — Insights from Callum Davies, Founder of Illuminate Digitl

Kivo Daily Staff on August 5, 2025

By: Immy Tariq

The Inbox Divide

Two marketers launch campaigns on the same day.

Marketer A blasts a massive list with clever hacks — a subject line sprinkled with emojis, a few “trigger words” masked to dodge filters, and a borrowed sender domain.

Marketer B plays a different game — one rooted in trust, consistency, and a sender reputation that inbox AIs can’t ignore.

“The difference isn’t in the copy—it’s in the relationship your domain has with the inbox,” says Callum Davies, founder of Illuminate Digitl. “And relationships are built over time, not hacked in a day.”

Guess which one lands in the inbox week after week?

The Primal Driver: Status in the Eyes of the Algorithm

Just as human tribes once determined who got access to resources, email ecosystems operate with their own hierarchy.

Inbox providers decide who gets prime placement based on your Domain Trust Score — a behind-the-scenes metric that reflects your reputation as a sender.

Davies explains it simply: “The more ‘trust actions’ you earn — opens, clicks, replies, being added to contacts — the more the algorithm sees you as a valued sender. And high-value senders tend to receive favorable inbox placement.”

It’s not about gaming the system; it’s about understanding how the system rewards consistency and credibility.

Why “Inbox Tricks” May Not Last Long-Term

Shortcuts can yield temporary results, but they don’t create the kind of reputation that stands the test of time.

“Tricks might generate a spike today,” Davies cautions, “but they could take a toll on your reputation tomorrow.”

The biggest offenders?

Fake scarcity — “Driving CTA’S” blasted daily until subscribers tune out.

Subject lines that aren’t aligned — bait-and-switch tactics that disappoint when opened.

Overloaded content — too many images or links that signal “promotion” to inbox filters.

These tactics may trigger curiosity in the moment, but they often diminish audience trust — and trust is the currency that inbox placement relies on.

Trust Actions: Your Reputation Currency

In Illuminate Digitl’s deliverability testing, Trust Actions account for roughly 30% of inbox placement power — more than any single technical adjustment.

Here’s how Davies recommends building and maintaining a strong sender status:

Invite Conversation – Ask for a quick reply in your emails. Every reply signals to inbox AI that your messages matter.

Reward Clicks – Offer exclusive content or special access behind your links to create positive engagement loops.

Consistency Wins – Send at the same day and time each week so both your subscribers and the inbox algorithm know when to expect you.

Get Added to Contacts – Encourage subscribers to whitelist you in their address book right from the welcome email.

These aren’t “hacks” — they’re relationship habits that can yield positive results over time.

The Authority Effect

When you’re recognized as a high-status sender, the advantages accumulate quickly:

Your emails may skip the Promotions and Spam tabs.

Your open rates can rise without increased ad spend.

Competitors’ messages may get buried while yours gain visibility.

Davies draws the parallel to real-world credibility: “Authority compounds. The more you have, the more you’re given. And in email marketing, authority translates directly into better inbox placement and, ultimately, higher revenue.”

This compounding effect is why trust-based strategies tend to outperform short-term tactics in the long run.

A Real-World Example

One retail brand Davies consulted had been relying on “urgent” subject lines and heavy image use to drive seasonal sales. For the first few sends, results looked promising. But by the third month, open rates were down by half, and complaints were up.

When Illuminate Digitl ran a domain health check, they found the sender reputation had been quietly affected by poor engagement metrics and spam filter flags.

The solution wasn’t a new trick — it was a trust rebuild:

Cleaning the list to remove inactive contacts.

Standardizing send times.

Introducing conversational, text-first emails with clear calls for replies.

Within eight weeks, the brand’s Domain Trust Score improved, inbox placement recovered, and their average campaign ROI nearly doubled.

Building for the Long Game

Inbox placement is not a one-time achievement — it’s a living score that shifts based on your habits.

Davies emphasizes: “Think of your sender reputation like a credit score. Every good action — replies, clicks, consistent sending — is a deposit. Every bad action — spam complaints, high bounce rates — is a withdrawal. Play for the balance sheet, not the quick win.”

The Illuminate Digitl Approach

The Primary Profit™ Inbox Method, developed by Callum Davies, is built on the principle that inbox authority is the ultimate competitive edge.

The method’s pillars are:

Platform Precision – Choosing a sending platform that aligns with your deliverability goals.

Engagement Engineering – Structuring campaigns for interaction, not just passive reading.

Reputation Reinforcement – Monitoring sender health and making proactive adjustments.

“It’s about building a sender profile the algorithm can’t ignore,” says Davies.

Closing Thought

Stop playing inbox roulette.

With the Primary Profit™ Inbox Method from Callum Davies and Illuminate Digitl, you can build trust from the first send — and elevate your sender status so high that the algorithm will likely take notice.

Because in email marketing, tricks fade — but trust can pay dividends over time.

Bridging Innovation and Humanity: How Ethical AI Coaching Can Support Families and Public Schools – Exploring Swoon Learning’s Approach

Kivo Daily Staff on August 5, 2025

A wave of artificial intelligence is sweeping across America’s classrooms, reshaping how students learn, how teachers teach, and how parents engage with the educational journey. While these innovations hold potential for greater personalization and access, they also raise important questions about the balance between machine efficiency and human connection.

To address these evolving dynamics, the U.S. Department of Education recently released formal guidance on the responsible use of AI across federally funded education programs. The document encourages schools and grantees to explore the transformative potential of AI-powered learning—while ensuring it is ethically deployed, accessible, and aligned with the essential role of educators.

Responsible AI, Backed by Federal Support

The Department’s guidance outlines how AI can improve student outcomes by enhancing instruction, expanding access, and aiding educators—not replacing them. Allowable uses of federal grant funds include developing or procuring AI-powered instructional tools that adapt in real-time, deploying intelligent tutoring systems, and integrating virtual platforms to help students explore college and career pathways.

But critically, the guidance reinforces a “human-first” approach. It states that AI in education should be educator-led, ethical, accessible, transparent, and data-protective. Students and families must understand how these systems function, and schools must preserve the personal trust that underpins successful learning environments.

This alignment between federal priorities and ethical practice is exactly where Swoon Learning aims to lead.

Swoon Learning: Putting Humanity at the Center of AI Tutoring

Bridging Innovation and Humanity: How Ethical AI Coaching Can Support Families and Public Schools – Exploring Swoon Learning's Approach

Photo Courtesy: Swoon Learning

Students receive one-on-one guidance that helps them not just pass tests, but also helps them develop essential skills—such as managing stress, balancing commitments, cultivating self-motivation, and becoming more organized through their proprietary software, Swoon Front Office®.

What makes Swoon Learning especially timely is its ability to integrate emerging tools—including AI-powered scheduling, study tracking, and progress monitoring—without compromising its people-first model. “Technology is a tool, not a teacher,” says co-founder Carla Bayot. “A great educator can ignite something in a student that AI never will.”

This ethos resonates strongly with families navigating today’s learning landscape. With the growing presence of AI-based platforms in schools—from chatbots and adaptive testing to predictive analytics and tutoring algorithms—parents are increasingly asking how to evaluate these tools, where human oversight is preserved, and whether their child’s unique needs are being met.

Swoon Learning provides that clarity. Their academic coaches help families understand how to leverage technology without losing the relational foundation of education. Whether preparing for college applications or balancing AP classes with sports, students under Swoon Learning’s guidance receive both the innovation of AI and the irreplaceable value of human mentorship.

A New Model for Public Schools and Families

The Department of Education’s guidance opens the door for public schools to collaborate with partners like Swoon Learning—especially as they seek to allocate grant funds toward responsible AI initiatives. By offering hybrid models that combine human coaching with carefully selected AI support systems, schools can meet federal criteria while addressing urgent needs like learning loss, mental health strain, and academic disengagement.

Diagnostic tools and predictive models may help educators spot students at risk. But it is the human coach, advisor, or teacher who can step in and provide the support, motivation, and care needed to intervene effectively. That’s the bridge Swoon Learning aims to build through their products and services: a world where students are not left alone with machines but guided by people who care, using tools that truly work.

As the national education system continues to evolve, the question is no longer whether AI will enter the classroom—but how it will be used, and who will ensure it’s done right. For Swoon Learning, the answer is clear: Innovation must always be in service of humanity.

Xglow Quietly Builds a Scalable System Behind Emerging Brands and Local Growth

Kivo Daily Staff on August 5, 2025

By: Wyles Daniel

The spotlight in the digital world often shines on viral sensations and corporate behemoths, but the true energy pulses from the grassroots—emerging brands and local creators forging genuine connections in everyday commerce. Enter Xglow, the behind-the-scenes architect delivering a robust backend that empowers these underdogs to monetize smartly and expand steadily. It equips them with enterprise-level tools, sidestepping the common traps that derail small-scale ventures in a crowded online space.

“We don’t scale hype. We scale the backend that drives results,” the Xglow team emphasizes. Whether it’s regional tourism outfits promoting hidden gems or budding eCommerce hustlers peddling artisanal wares from home workshops, Xglow operates discreetly, eliminating the hassle of mismatched software stacks or endless waits for unresponsive platform help. Securing $5M to enhance its SaaS capabilities and expand local alliances, alongside $500K dedicated to seamless integrations, Xglow is crafting a professional-grade foundation tailored for those hustling outside tech epicenters like Silicon Valley. For many local creators, breaking into revenue streams isn’t about weak content—it’s about the tools that fail to fit their realities. Brands grapple with glitches they can’t escalate, such as ads freezing during peak local hours. Small teams wasted days jury-rigging solutions that Xglow streamlines in moments.

Platform instability is rampant now: creators lose income streams abruptly, brands face inexplicable restrictions, and getting clarity feels like chasing ghosts—responses are rare and unhelpful—xglow steps in as the reliable fix, engineered to maintain operations even amid platform blackouts. No advanced tech skills or prolonged experimentation required; it’s a straightforward backend that just works. This capital influx broadens reach—to creators in distant villages without agency support and brands in niche sectors like handmade crafts or countryside services, often ignored by mainstream platforms. With Xglow, elite networks aren’t prerequisites; the system democratizes access.

Xglow’s Platform Partnerships Give Small Players a Fighting Chance

A key edge for these local operators comes from Xglow’s strong ties with giants like Google, Meta, and Snap. These collaborations unlock expedited perks—faster ad approvals, prioritized troubleshooting, and bespoke connections that independents seldom access. For a village fruit vendor in Colombia sharing harvest videos, this translates to swift Google ad clearances, avoiding delays that could spoil inventory before sales peak.

Xglow leverages these bonds for enhanced data flows, enabling sharper Meta targeting to help remote tourism groups attract thrill-seekers on tight funds. The benefits are tangible: early entry to features like advanced Snap retargeting, giving users a competitive jump. Cross-region payments integrate smoothly with Google Pay standards, allowing a Moroccan artisan to export pottery to Europe without paperwork overload. This partnership muscle evens the odds, enabling locals to operate with the savvy of industry vets, sans the insider contacts.

Streamlining Launches for Resource-Thin Locals

Scrappy teams frequently bog down in operational mess, overwhelmed by disjointed tools that drain their bandwidth. Xglow simplifies with end-to-end campaigns deployable in days, automating pathways that guide casual browsers to committed buyers, and smart retargeting to re-engage hesitators with personalized nudges. Picture a spice vendor in a Jordanian market: Xglow activates their video monetization for blending demos, converting viewers into subscribers with hassle-free invoicing. Local currencies hit accounts swiftly, while international options facilitate exports to nearby regions without conversion woes. Live insights reveal hot-selling mixes, informing production to avoid surplus.

Isolated Balkan tourism entities deploy rapid promotions, directing social traction to booking portals. No blind spots in data; everything’s illuminated, allowing budget tweaks toward high-impact draws. This efficient setup shifts focus back to the product, not the process, fostering deeper community ties where personal interactions drive loyalty.

Riding Out Platform Turbulence in Outlying Areas

Remote creators bear the brunt of platform whims. An island filmmaker in the Philippines captures ocean footage on Instagram, building momentum, only for an algorithm to flag boat scenes as “hazardous” and yank earnings. A Scottish syrup producer sees Pinterest campaigns halted illogically, derailing holiday sales and seeking explanations? It’s futile—support evaporates for non-VIPs. These setbacks can shutter fledgling operations, with recoveries devouring resources better spent elsewhere.

Xglow fortifies with inherent resilience: if one channel stumbles, it reroutes to alternatives like YouTube, preserving pathways and recapturing audiences through customized prompts. A New Zealand beekeeper monetizes tutorials via Xglow, securing Reels revenue despite glitches. Fan subscriptions create a dedicated following, with payments in local or neighboring currencies. Analytics highlight trends, like seasonal pollen surges, which help optimize hive management. For niche players like Icelandic wool artists, international tools simplify Scandinavian sales, handling conversions cleanly. The backend’s toughness—automatic backups during disruptions, delayed tasks that resume automatically—minimizes drag in unreliable connections.

Intuitive interfaces ditch complexity; guided steps ease setup, alerts preempt issues like engagement drops, hinting at restrictions. This toughness transforms potential disasters into minor hiccups, keeping remote ventures afloat.

Channeling Capital into Community Networks and Tech Syncs

The $5M raise targets SaaS refinements, incorporating voice-guided interfaces for non-native English speakers in isolated locales. The $500K investment sharpens integrations with partners like Google, Meta, and Snap, tapping into region-specific incentives such as localized AI or instant mobile disbursements. Network expansions link with artisan guilds in Mexico or agricultural co-ops in Vietnam, offering sessions on pathway optimizations or retargeting fundamentals. It’s collaborative, not distant.

New eCommerce entrants gain ad-to-inventory syncing, automating from promotion to fulfillment. Tourism groups launch creator collaborations, invoicing for digital experiences or souvenirs. This funding stays rooted, nurturing overlooked communities to cultivate thriving independent ecosystems.

Highlights of Grassroots Turnarounds

Consider a Polish village potter using Xglow: Quick campaigns highlighted wares on Pinterest, pathways leading to Etsy checkouts and retargeting reclaimed 30% of browsers, blending local and euro payments for cross-border appeal. Insights shaped designs around popular clicks. A Thai herbal expert monetized wellness clips, locking in ad earnings on Reels amid issues. Subscriptions formed a wellness circle, data inspiring related digital products. A Scottish jam seller went online with Xglow, streamlining flavor shipments, pathways fine-tuned for seasonal bundles. They expanded UK reach without heavy promotion.

These real-world shifts underscore Xglow’s impact: practical, resilient support igniting progress for ordinary entrepreneurs.

Conquering Built-In Hurdles in Remote Digital Arenas

Far-flung areas face steep challenges: incompatible payment methods, algorithms ignoring regional languages, and apps too heavy for spotty internet. Xglow adapts with flexible invoicing for native wallets, AI sensitive to dialects, and lightweight modes for limited connectivity. Brands in specialized arenas, like Jordanian spice merchants, activate earnings for market videos, pathways driving transactions. Analytics uncover international demand, targeting enthusiasts for unique tastes. The backend’s endurance—preserved actions during blackouts, self-reconnecting features—sustains momentum, crucial in variable environments.

Advocating Balanced Digital Forward Motion

 Xglow champions equitable expansion, outfitting humble brands and locals with premium infrastructure. The funding extends this mission, penetrating underserved pockets to spark collective advancement. In the face of platform volatility, Xglow provides a steady foundation, redirecting efforts from fixes to forward strides.

Taking a Closer Look at Xglow’s Service Pillars

 Press outlets often highlight how Xglow’s offerings form a cohesive backbone for nurturing emerging brands and local growth, creating an approachable tech ecosystem that thrives in diverse settings.

Monetization Architecture

Xglow engineers and oversees comprehensive revenue frameworks, going beyond basic apps. They handle integrations with Meta, Snap, and YouTube to unlock ad earnings from Reels, Shorts, and Spotlight. Tailored bonuses, subscriptions, and retention methods sustain audience loyalty, underpinned by efficient backend orchestration and regulatory expertise to navigate varying locales without stumbles.

Paid Growth Strategy

Growth at Xglow relies on analytical, platform-aligned methods prioritizing ROAS. Scaling ads across Meta, Snap, TikTok, and Google pairs with streamlined pathways and cost-conscious budgeting. AI-driven audience honing, continuous refinements, concept evaluations, and anticipatory modeling support consistent, context-aware progress.

Strategic Media Growth

Xglow meticulously arranges media frameworks to boost exposure, interactions, and income. This includes crafting content blueprints and storytelling arcs, strategic channel alignments, initiative mapping, collaborator oversight between creators and brands, and high-level planning with seamless deployment for impactful, customized results. Enhancing these core areas, Xglow incorporates adjustable elements for regional needs, such as festival alignments in markets or product elevations for crafts.

Automated compliance scans adhere to local standards, preventing halts in distinct regulatory landscapes. Trend forecasting draws on area-specific data for timely alignments with customs or economic patterns. Loyalty tools offer culturally attuned incentives, strengthening ties in tight-knit communities. Secure collaboration hubs facilitate joint efforts, providing shared performance indicators for better transparency. Pre-launch simulations refine approaches, ensuring cultural fit. Financial and tax optimizations alleviate pressures in hybrid trade scenarios. This holistic integration not only supports but accelerates momentum for new enterprises, transforming operational challenges into strategic opportunities in vibrant, location-unique markets.

Disclaimer: The information in this article is for general informational purposes only. While we aim for accuracy, we make no guarantees regarding the completeness, reliability, or suitability of the content. Any reliance on the information is at your own risk.

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