Bestsellers
The most popular titles available at Audible.com, generating buzz from critics, publishers, and your fellow audio enthusiasts.All Categories
Top 100-
-
The Black Swan, Second Edition: The Impact of the Highly Improbable: With a new section: "On Robustness and Fragility"
- Incerto, Book 2
- By: Nassim Nicholas Taleb
- Narrated by: Joe Ochman
- Length: 15 hrs and 48 mins
- Unabridged
-
Overall4.5 out of 5 stars 2,088
-
Performance4.5 out of 5 stars 1,726
-
Story4.5 out of 5 stars 1,716
A black swan is a highly improbable event with three principal characteristics: It is unpredictable; it carries a massive impact; and, after the fact, we concoct an explanation that makes it appear less random, and more predictable, than it was....
-
4 out of 5 stars
-
Interesting, but over the top
- By Anonymous User on 08-08-19
-
1. The Black Swan, Second Edition: The Impact of the Highly Improbable: With a new section: "On Robustness and Fragility"
- Incerto, Book 2
- Narrated by: Joe Ochman
- Length: 15 hrs and 48 mins
- Release date: 01-08-19
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to Cart failed.
Please try again laterAdd to Wish List failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Please try againUnfollow podcast failed
Please try againRegular price: $22.50 or 1 credit
Sale price: $22.50 or 1 credit
-
-
-
Money. Wealth. Life Insurance.
- How the Wealthy Use Life Insurance as a Tax-Free Personal Bank to Supercharge Their Savings
- By: Jake Thompson
- Narrated by: Alan Caudle
- Length: 1 hr and 27 mins
- Unabridged
-
Overall4.5 out of 5 stars 1,353
-
Performance4.5 out of 5 stars 1,114
-
Story4.5 out of 5 stars 1,105
This audiobook details a highly efficient form of cash value life insurance designed to supercharge your savings and stockpile wealth....
-
1 out of 5 stars
-
what the heck was this?
- By Gladys Torres on 10-20-16
-
2. Money. Wealth. Life Insurance.
- How the Wealthy Use Life Insurance as a Tax-Free Personal Bank to Supercharge Their Savings
- Narrated by: Alan Caudle
- Length: 1 hr and 27 mins
- Release date: 02-09-15
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to Cart failed.
Please try again laterAdd to Wish List failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Please try againUnfollow podcast failed
Please try againRegular price: $6.95 or 1 credit
Sale price: $6.95 or 1 credit
-
-
-
The Ultimate Retirement Guide for 50+
- Winning Strategies to Make Your Money Last a Lifetime
- By: Suze Orman
- Narrated by: Suze Orman
- Length: 12 hrs and 31 mins
- Unabridged
-
Overall4.5 out of 5 stars 738
-
Performance4.5 out of 5 stars 612
-
Story4.5 out of 5 stars 607
The Ultimate Retirement Guide for 50+ gives you the no-nonsense advice and practical tools you need to plan wisely for your retirement in today's ever-changing landscape. You'll find new rules for downsizing, spending wisely, delaying Social Security benefits....
-
1 out of 5 stars
-
Way to long
- By Phil on 04-23-20
-
3. The Ultimate Retirement Guide for 50+
- Winning Strategies to Make Your Money Last a Lifetime
- Narrated by: Suze Orman
- Length: 12 hrs and 31 mins
- Release date: 02-25-20
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to Cart failed.
Please try again laterAdd to Wish List failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Please try againUnfollow podcast failed
Please try againRegular price: $20.25 or 1 credit
Sale price: $20.25 or 1 credit
-
-
-
The Price We Pay
- What Broke American Health Care - and How to Fix It
- By: Marty Makary MD
- Narrated by: Marty Makary MD
- Length: 9 hrs and 29 mins
- Unabridged
-
Overall5 out of 5 stars 937
-
Performance5 out of 5 stars 816
-
Story5 out of 5 stars 810
From the New York Times best-selling author of Unaccountable comes an eye-opening, urgent look at America's broken health care system - and the people who are saving it....
-
5 out of 5 stars
-
Very important book!
- By Wayne on 05-17-21
-
4. The Price We Pay
- What Broke American Health Care - and How to Fix It
- Narrated by: Marty Makary MD
- Length: 9 hrs and 29 mins
- Release date: 01-31-20
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to Cart failed.
Please try again laterAdd to Wish List failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Please try againUnfollow podcast failed
Please try againRegular price: $16.35 or 1 credit
Sale price: $16.35 or 1 credit
-
-
-
Against the Gods
- The Remarkable Story of Risk
- By: Peter L. Bernstein
- Narrated by: Mike Fraser
- Length: 14 hrs and 27 mins
- Unabridged
-
Overall4.5 out of 5 stars 262
-
Performance4.5 out of 5 stars 214
-
Story4.5 out of 5 stars 212
In this unique exploration of the role of risk in our society, Peter Bernstein argues that the notion of bringing risk under control is one of the central ideas that distinguishes modern times from the distant past.
-
5 out of 5 stars
-
Glad it finally got here
- By bda31175 on 10-16-21
-
5. Against the Gods
- The Remarkable Story of Risk
- Narrated by: Mike Fraser
- Length: 14 hrs and 27 mins
- Release date: 08-05-24
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to Cart failed.
Please try again laterAdd to Wish List failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Please try againUnfollow podcast failed
Please try againRegular price: $25.00 or 1 credit
Sale price: $25.00 or 1 credit
-
-
-
Risk
- A User's Guide
- By: General Stanley McChrystal, Anna Butrico
- Narrated by: General Stanley McChrystal
- Length: 10 hrs and 40 mins
- Unabridged
-
Overall4.5 out of 5 stars 255
-
Performance4.5 out of 5 stars 221
-
Story4.5 out of 5 stars 220
Retired four-star general Stan McChrystal has lived a life associated with the deadly risks of combat. From his first day at West Point, to his years in Afghanistan, to his efforts helping business leaders, McChrystal has seen how individuals and organizations fail to mitigate risk....
-
3 out of 5 stars
-
Good nuggets however wants no risk
- By Tim Everist on 10-22-21
-
6. Risk
- A User's Guide
- Narrated by: General Stanley McChrystal
- Length: 10 hrs and 40 mins
- Release date: 10-05-21
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to Cart failed.
Please try again laterAdd to Wish List failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Please try againUnfollow podcast failed
Please try againRegular price: $20.25 or 1 credit
Sale price: $20.25 or 1 credit
-
-
-
An American Sickness
- How Healthcare Became Big Business and How You Can Take It Back
- By: Elisabeth Rosenthal
- Narrated by: Nancy Linari
- Length: 13 hrs and 38 mins
- Unabridged
-
Overall4.5 out of 5 stars 991
-
Performance4.5 out of 5 stars 869
-
Story4.5 out of 5 stars 868
Award-winning New York Times reporter Dr. Elisabeth Rosenthal reveals the dangerous, expensive, and dysfunctional American health-care system....
-
3 out of 5 stars
-
Not well balanced
- By Anonymous User on 02-12-18
-
7. An American Sickness
- How Healthcare Became Big Business and How You Can Take It Back
- Narrated by: Nancy Linari
- Length: 13 hrs and 38 mins
- Release date: 04-11-17
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to Cart failed.
Please try again laterAdd to Wish List failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Please try againUnfollow podcast failed
Please try againRegular price: $20.25 or 1 credit
Sale price: $20.25 or 1 credit
-
-
-
The Field Guide to Understanding 'Human Error'
- By: Sidney Dekker
- Narrated by: Sidney Dekker
- Length: 3 hrs and 58 mins
- Unabridged
-
Overall4.5 out of 5 stars 143
-
Performance4.5 out of 5 stars 118
-
Story4.5 out of 5 stars 118
Building on its successful predecessors, the third edition of The Field Guide to Understanding 'Human Error' will show a new way of dealing with a perceived "human error" problem in your organization. It will help you trace how your organization juggles inherent trade-offs between safety and other pressures and expectations....
-
5 out of 5 stars
-
Amazing
- By Adrienne Ashcraft on 07-13-21
-
8. The Field Guide to Understanding 'Human Error'
- Narrated by: Sidney Dekker
- Length: 3 hrs and 58 mins
- Release date: 05-11-18
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to Cart failed.
Please try again laterAdd to Wish List failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Please try againUnfollow podcast failed
Please try againRegular price: $14.95 or 1 credit
Sale price: $14.95 or 1 credit
-
-
-
I.U.L. ASAP!
- How to Win the Financial Game of Life, Invest Like the Wealthy, and Generate Tax-Free Income with One 3-Letter Word
- By: Shirley Luu
- Narrated by: Angela Ohlfest
- Length: 4 hrs and 3 mins
- Unabridged
-
Overall5 out of 5 stars 38
-
Performance4.5 out of 5 stars 35
-
Story4.5 out of 5 stars 35
Discover the secret to financial security that empowers you to invest, grow, and protect your money like the wealthy! Retirement expert Shirley Luu educates her listeners on what she believes to be the single most powerful financial security vehicle available for Americans today: the IUL....
-
5 out of 5 stars
-
awesome!
- By maurice ryan coleman on 04-12-23
-
9. I.U.L. ASAP!
- How to Win the Financial Game of Life, Invest Like the Wealthy, and Generate Tax-Free Income with One 3-Letter Word
- Narrated by: Angela Ohlfest
- Length: 4 hrs and 3 mins
- Release date: 07-13-22
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to Cart failed.
Please try again laterAdd to Wish List failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Please try againUnfollow podcast failed
Please try againRegular price: $14.95 or 1 credit
Sale price: $14.95 or 1 credit
-
-
-
The 5 Principles of Human Performance
- A Contemporary Updateof the Building Blocks of Human Performance for the New View of Safety
- By: Todd E. Conklin PhD
- Narrated by: Todd Conklin
- Length: 3 hrs and 44 mins
- Unabridged
-
Overall4.5 out of 5 stars 84
-
Performance4.5 out of 5 stars 72
-
Story4.5 out of 5 stars 72
Conklin’s audiobook is an interesting and informal discussion with the listener about the five principles of human performance; principle by principle, section by section....
-
5 out of 5 stars
-
Bien (that's French)
- By Rekaughn on 03-27-19
-
10. The 5 Principles of Human Performance
- A Contemporary Updateof the Building Blocks of Human Performance for the New View of Safety
- Narrated by: Todd Conklin
- Length: 3 hrs and 44 mins
- Release date: 03-25-19
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to Cart failed.
Please try again laterAdd to Wish List failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Please try againUnfollow podcast failed
Please try againRegular price: $14.95 or 1 credit
Sale price: $14.95 or 1 credit
-
-
-
How to Sell Life Insurance.: Life Insurance Selling Techniques, Tips and Strategies
- By: Michael Bonilla
- Narrated by: Greg Young
- Length: 2 hrs and 2 mins
- Unabridged
-
Overall4.5 out of 5 stars 98
-
Performance4.5 out of 5 stars 77
-
Story4.5 out of 5 stars 77
Do you have trouble achieving consistent results in your life sales practice? Perhaps this book could help. I've put together in this book most of the process, systems, and techniques that have helped me in my career....
-
3 out of 5 stars
-
Good information but...........
- By Ken on 02-24-20
-
11. How to Sell Life Insurance.: Life Insurance Selling Techniques, Tips and Strategies
- Narrated by: Greg Young
- Length: 2 hrs and 2 mins
- Release date: 04-11-18
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to Cart failed.
Please try again laterAdd to Wish List failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Please try againUnfollow podcast failed
Please try againRegular price: $6.95 or 1 credit
Sale price: $6.95 or 1 credit
-
-
-
Life Insurance Wealth Code
- Unlocking Tax-Free Financial Abundance
- By: Benjamin Waterford
- Narrated by: Jamal West
- Length: 4 hrs and 32 mins
- Unabridged
-
Overall5 out of 5 stars 24
-
Performance5 out of 5 stars 24
-
Story5 out of 5 stars 24
Ever wondered how you could build wealth, ensure financial security, and yet keep it all tax-free? Are you struggling to navigate the complex world of financial planning and investment strategies?
-
5 out of 5 stars
-
Awesome Financial Guide
- By MW on 06-14-24
-
12. Life Insurance Wealth Code
- Unlocking Tax-Free Financial Abundance
- Narrated by: Jamal West
- Length: 4 hrs and 32 mins
- Release date: 04-11-24
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to Cart failed.
Please try again laterAdd to Wish List failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Please try againUnfollow podcast failed
Please try againRegular price: $14.95 or 1 credit
Sale price: $14.95 or 1 credit
-
-
-
The Next Perfect Storm
- By: Patrick Bet-David
- Narrated by: Patrick Bet-David
- Length: 1 hr and 56 mins
- Unabridged
-
Overall4.5 out of 5 stars 170
-
Performance4.5 out of 5 stars 149
-
Story4.5 out of 5 stars 148
Do you ever wonder what the next boom will be? That's exactly what this book is about....
-
1 out of 5 stars
-
Everyone is trying to make a living, but...
- By Leslie M. on 08-18-12
-
13. The Next Perfect Storm
- Narrated by: Patrick Bet-David
- Length: 1 hr and 56 mins
- Release date: 08-16-12
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to Cart failed.
Please try again laterAdd to Wish List failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Please try againUnfollow podcast failed
Please try againRegular price: $6.95 or 1 credit
Sale price: $6.95 or 1 credit
-
-
-
The 100-Year Life
- Living and Working in an Age of Longevity
- By: Lynda Gratton, Andrew Scott
- Narrated by: Mark Meadows
- Length: 9 hrs and 48 mins
- Unabridged
-
Overall4 out of 5 stars 175
-
Performance4 out of 5 stars 147
-
Story4 out of 5 stars 146
Many of us have been raised on the traditional notion of a three-stage approach to our working lives: education, followed by work and then retirement....
-
5 out of 5 stars
-
Your handbook for a 100-year lfe
- By Sergio Faria on 06-11-17
-
14. The 100-Year Life
- Living and Working in an Age of Longevity
- Narrated by: Mark Meadows
- Length: 9 hrs and 48 mins
- Release date: 11-22-16
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to Cart failed.
Please try again laterAdd to Wish List failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Please try againUnfollow podcast failed
Please try againRegular price: $24.30 or 1 credit
Sale price: $24.30 or 1 credit
-
-
-
Series 7 Exam Prep 2024-2025
- Study Guide with 375 Practice Questions and Answer Explanations for the FINRA General Securities Representative Certification
- By: Shawn Blake
- Narrated by: Shawn Blake
- Length: 8 hrs and 55 mins
- Unabridged
-
Overall3 out of 5 stars 1
-
Performance3 out of 5 stars 1
-
Story3 out of 5 stars 1
Open doors to a great career in finance by passing the Series 7— without feeling overwhelmed or stressed!
-
3 out of 5 stars
-
Practice Exams Poor
- By Cindy Holland-Rodriguez on 07-06-24
-
15. Series 7 Exam Prep 2024-2025
- Study Guide with 375 Practice Questions and Answer Explanations for the FINRA General Securities Representative Certification
- Narrated by: Shawn Blake
- Length: 8 hrs and 55 mins
- Release date: 05-29-24
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to Cart failed.
Please try again laterAdd to Wish List failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Please try againUnfollow podcast failed
Please try againRegular price: $15.56 or 1 credit
Sale price: $15.56 or 1 credit
-
-
-
Property and Casualty Insurance Concepts Simplified
- The Ultimate "How to" Insurance Guide for Agents, Brokers, Underwriters, and Adjusters
- By: Christopher J. Boggs
- Narrated by: George Jack
- Length: 4 hrs and 24 mins
- Unabridged
-
Overall4.5 out of 5 stars 12
-
Performance4.5 out of 5 stars 11
-
Story4.5 out of 5 stars 11
This book details key property and casualty concepts rarely discussed or found in print; rather, they are often left to be "discovered" over time. These important concepts are now written down for all insurance practitioners to easily access....
-
3 out of 5 stars
-
new agent
- By Steve Dovale on 03-28-23
-
16. Property and Casualty Insurance Concepts Simplified
- The Ultimate "How to" Insurance Guide for Agents, Brokers, Underwriters, and Adjusters
- Narrated by: George Jack
- Length: 4 hrs and 24 mins
- Release date: 11-03-21
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to Cart failed.
Please try again laterAdd to Wish List failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Please try againUnfollow podcast failed
Please try againRegular price: $14.95 or 1 credit
Sale price: $14.95 or 1 credit
-
-
-
Is Your Money Working Hard for You?
- Leveraging and Max Funding Indexed Universal Life (IUL) Is an Investment to Financial Freedom, to Earn Money on Your Money Is One of the Biggest Wealth Secrets
- By: Mary Watson
- Narrated by: Chris C. Young
- Length: 3 hrs and 25 mins
- Unabridged
-
Overall5 out of 5 stars 26
-
Performance5 out of 5 stars 24
-
Story5 out of 5 stars 24
More than half of the American population (56 percent) lives “paycheck to paycheck”. According to American Journal of Public Health 66.5 percent of all bankruptcies were driven by medical problems....
-
5 out of 5 stars
-
Read If you want a lifetime tax free income stream without gimmicks
- By Amazon Customer on 03-31-24
-
17. Is Your Money Working Hard for You?
- Leveraging and Max Funding Indexed Universal Life (IUL) Is an Investment to Financial Freedom, to Earn Money on Your Money Is One of the Biggest Wealth Secrets
- Narrated by: Chris C. Young
- Length: 3 hrs and 25 mins
- Release date: 08-09-21
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to Cart failed.
Please try again laterAdd to Wish List failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Please try againUnfollow podcast failed
Please try againRegular price: $14.95 or 1 credit
Sale price: $14.95 or 1 credit
-
-
-
Cash Follows the Leader
- Uninterrupted Daily Growth with High Cash Value Life Insurance
- By: Richard Canfield, Jayson Lowe
- Narrated by: Mike Norgaard
- Length: 1 hr and 46 mins
- Unabridged
-
Overall5 out of 5 stars 2
-
Performance5 out of 5 stars 2
-
Story5 out of 5 stars 2
Finally, a simple, easy-to-understand book that expands on the powerful Infinite Banking Concept developed by the late R. Nelson Nash. Jayson Lowe and Richard Canfield explain the foundation of dividend-paying, participating whole life insurance can be built for lasting wealth creation....
-
5 out of 5 stars
-
Great book
- By Dacelin St Martin on 09-10-23
-
18. Cash Follows the Leader
- Uninterrupted Daily Growth with High Cash Value Life Insurance
- Narrated by: Mike Norgaard
- Length: 1 hr and 46 mins
- Release date: 08-02-23
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to Cart failed.
Please try again laterAdd to Wish List failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Please try againUnfollow podcast failed
Please try againRegular price: $6.95 or 1 credit
Sale price: $6.95 or 1 credit
-
-
-
How to Make a Killing
- Blood, Death and Dollars in American Medicine
- By: Tom Mueller
- Narrated by: Melissa Kay Benson
- Length: 8 hrs and 42 mins
- Unabridged
-
Overall4 out of 5 stars 13
-
Performance4.5 out of 5 stars 13
-
Story4 out of 5 stars 13
How to Make a Killing reveals dialysis as a microcosm of American medicine and poses a vital challenge: find a way to fix dialysis, and we'll have a fighting chance of fixing our country's dysfunctional healthcare system as a whole, restoring patients, not profits, as its true purpose....
-
5 out of 5 stars
-
NME - The McDonald’izing of healthcare
- By Jillian Astra England on 04-30-24
-
19. How to Make a Killing
- Blood, Death and Dollars in American Medicine
- Narrated by: Melissa Kay Benson
- Length: 8 hrs and 42 mins
- Release date: 10-24-23
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to Cart failed.
Please try again laterAdd to Wish List failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Please try againUnfollow podcast failed
Please try againRegular price: $17.49 or 1 credit
Sale price: $17.49 or 1 credit
-
-
-
Live Your Life Insurance
- By: Kim D. H. Butler
- Narrated by: Kim D. H. Butler
- Length: 1 hr and 54 mins
- Unabridged
-
Overall5 out of 5 stars 202
-
Performance4.5 out of 5 stars 170
-
Story4.5 out of 5 stars 169
Live Your Life Insurance shows you exactly how you can take advantage of one of the most common financial tools. In it, you'll discover exactly how you can use your life insurance....
-
4 out of 5 stars
-
Good for the up and coming
- By Amazon Customer on 04-11-17
-
20. Live Your Life Insurance
- Narrated by: Kim D. H. Butler
- Length: 1 hr and 54 mins
- Release date: 06-13-16
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to Cart failed.
Please try again laterAdd to Wish List failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Please try againUnfollow podcast failed
Please try againRegular price: $6.95 or 1 credit
Sale price: $6.95 or 1 credit
-