As a farmer who home schooled my children on the farm I used the sapphire card and ran everything through it and was able to take my children to 7 different countries For free.
Of course. He says that in the video. You lose if you carry balances. If you have trouble with this then it’s not for you. It takes discipline. One thought to get started. Set up all bills that you already pay in full each month to be paid on your credit card. Transfer that amount directly to your credit card in advance of your payments. It works.
Has anyone said that a BIG advantage of traveling with points is that you can cancel the trip or change dates with NO penalty or cancelation fees. They are immediately deposited into your account. The "extra" you paid in taxes + fees is redeposited to your card with 3-4 days. When I cxld a r/t KLM paid flight to Moscow a few years ago, I had to reuse the credit with one year or lose it. So I changed to r/t to Italy. They charged me $400 for "destination change". Ouch! The $90 annual fee is worth it just because I can board in tourist class right after Business class boards, while there is still overhead space available for my carry-on. Whew!
I have a Costco Visa, I put all spending through it and pay it off monthly. I get on average $1,0000. back at the end of the year. This allows me to fly on any airline, cruise ship or any vacation instead of being forced to one airline. I get huge perks when using Costco Travel.
Not trying out a new strategy is the biggest mistake. That much cash back is worth way more with points. But if you are happy with your strategy then that's what it all matters.
As a small business, I offer a discount for payment by check. You can opt out of the game entirely and save money. Not everybody does this but it's worth asking.
I just have to say as someone who has always been intimidated, overwhelmed and turned off by money, credit cards, points ETC I really appreciate you Erika for making these topics EASY to digest and exciting to dive into and interesting to listen to. I feel so much more empowered!
TPG was definitely a big inspiration to me. My last 5 day trip was totally covered using credit card points (flights and hotels). It’s been a game changer for my family!
Excellent! I just discovered your channel with this video. I'm a nomad taveling the past 4 years all over the US and Canada by driving. I always used a Capital One cashback card for simplicity and I wasn't flying much. After much research just got my first points card, the Capital One Venture X as I've left the US and there will be a lot of flying. Still in the early stages of figuring this thing out but did enjoy my first lounge while waiting on a flight which was especially nice as the flight got cencelled - twice! This was also very enjoyable and inspiring hearing details of how TPG got started and grew. Such a nice, regular guy who's doing a lot to make a positive difference!
What he said about Emirates made my heart melt. I've been living in the UAE for over a decade and fly to NYC to go back home. Emirates and Etihad can't compare to many other airlines. And people from around the world work there.
This video changed my life. I just received 400 miles between two different airlines and cash back just by purchasing from a store I already planned to buy from without the shopping affiliates. I can’t wait to see how much points I can rack up on my everyday purchases. I always thought you can only earn miles through the cards and buying flights but now it’s like I doubled my earning power.
When I was in University I was losing the credit card game, now older and wiser I'm winning the credit card game with my Amex Platinum card. Yes, I pay off my card every month.
He was very informative. I will have to watch again as I am still unsure which is the best CC for me for points. I have been thinking about this for years and still can not decide. Thank you for this interview.
It depends on what your goals are. If you just want flights, I love our AA card. You don’t get as many “points” per $1 as a Sapphire-type card, but recently, they made it so you can get “status” (ie, upgrades) for everyday purchases. I love it, because my husband has status now. If he flies by himself, he can at least get upgraded to a premium seat, if not first class. When we fly together, I use points to buy first class tickets. It’s better for us to use points than purchase because if we cancel and they redeposit our points if our travel plans change and we cancel. If your travel is flexible, you can schedule flights for a very low amount of points, plus, they fly almost everywhere. A Sapphire-type card might be better if you want to use points for the whole vacation. Good luck!
Hi Erika, Thanks so much for inviting The Points' Guy onto the show. So much interesting info and anecdotes from him as well. Warmest Regards- David from Melbourne Australia 🥸👌🍷🍷❤️❤️🦘
Beware of all these partial truths, if you are a normal spender in certain situations you may find some savings on coach but you won't beat the system to reach international first or business class unless you also are a frequent flyer i know this. Plus you are also paying annual fees, some are hefty annual fees of $400 or more. Plus many Airlines have increased the mileage needed to far levels from before making it even more difficult to achieve and the say they can change the rules anytime. Much of these should be classified as scams.
This. I have over 225k miles saved with Chase Rewards. Two premium economy seats from the US to Scotland were double that. Business class, almost four times.
Fantastic presentation... I've always wanted to grasp the issues mentioned here because I don't know where to start after ruining my credit decades ago... I developed the financial discipline to save, and be frugal, so I know I'm ready right now...
I gave up on "points" when I basically stopped flying - used to do 250k-350k miles/year, no more. Now I just use cards that give me 1.5-3% cash back. I only fly for work or emergencies, both of which are extremely rare. And I'll drive if I can.
Fir those businesses cards wouldn’t it depend on your business? How would you accumulate points on business only transactions. Will miss out on the 4-8 points
Another incredible interview ERIKA. This one gives me a better understanding of the points system. Thanks for sharing. Keep the content coming. Hope you have an awesome weekend. Much love. Hugs
More and more merchants are charging 3 % for credit card purchases. High end credit cards should look into it and compensate their users some how. What do you guys think ?
Solid interview however I do want to nitpick on the “never fly economy again” title since this was never discussed. From my research even top tier status doesn’t get you consistent upgrades most of the time.
Thank you Erika for this video. It gave me so much information about how to use credit card points to travel. I was always unsure about how to go about picking the best card for me. Now I have some solid tips to start me off.
Erika! Amazing interview and Brian is like an encyclopedia. I will be more proactive with my use or CC perks and points advantages. Brian the points guy get ready because I’m going to share video with my family and coworkers . Thx a million.
Really good interview. I still have a lot to learn about accumulating the points and being able to pay off the credit cards each month. Do you think you will have an explanation breaking that process down?
This is not for a the regular person. All these people talk about transferring miles, not using cash back, transferring cash back, etc. Most of the credit cards give you 1 to 2 points back per dollar. If they give you 2 per dollar u need to spend 5000 dollars to get 10.000 which cash back usually is 100 dollars. Do the math how much you need to spend to "get a free first class ticket" Edit: all this rich people spend lots and lots of money all the time, therefore they get lots and lots of points, and travel first class free.
Thank you for this episode! I have listened to this a couple times and each time I have gained something new. Have saved it and will go over it again 👍🏻 ps Brian is so smart and kind! So are you Erika 🤗
I do not carry a balance on my credit card. Even tho some cards seem good, I cannot get past the thought of a credit card that charges a yearly fee. Unless I’m missing something!
This is misleading. If you need to have reward points that's not free. You need to spend a LOT of money on your cards or you need to be wealthy enough to get a card that comes with a bonus that's high enough (and those aren't usually free either). There's no such a thing as free lunch.
@@vibe_tube3634 No, you can't. Even sign up bonuses usually require you to spend. It does not help if you live a frugal lifestyle, even if you're in the United States, where you can easily buy groceries using your credit card, that doesn't amount to much if you shop wisely and you're a single person without children. If you already have a high spending profile you don't need that kind of advice either because most people within that group know well enough, and they also know it's not free but a kick back from transaction fees. It's frequently more convenient to use a cashback instead.
Well traveling using rewards points is not for everyone. He clearly specify his target audience at 17:05. The primary audience consists of consultants, bankers, lawyers, and others who frequently travel for work. They are often on the road each week, with their companies covering their travel expenses. While it's true that spending is necessary to accumulate points, many savvy individuals exploit this by charging their business-related travel expenses (such as flights, gas, food and hotel) to their personal credit cards, later getting reimbursed by their companies. In these cases, the company covers the cost of the business trip, but the individual still earns reward points for personal use.
Actually, it happened to me last summer, as my flight was oversold and they were offering $10K to leave the next day. I did not volunteer because it was my mom's surprise b-day party and I would have missed my second flight and missed the party I organized....otherwise, heck yeah!
Travelling IS amazing!!!!! I live in Canada, but use miles and points extensively here too. Fabulous interview!! I've shared it twice with friends who I know will also enjoy it.
This wound up being a great recap of the Points & Miles game. I have people who ask me about it and this is a pretty good starter video that I'll recommend.
I wish charging my rent to my credit card was an option. Unfortunately, the property management company charges a $60 fee for credit card payments. At least I try to use my cards to rack up points but it's sad my biggest monthly expense has to come directly from my bank account. UGH.
I absolutely loved listening to the interview, but it stressed me out incredibly because it made me realize how much I pay in credit card fees and don’t really get much use out of them. I recently lost six companion tickets with AMEX because they expired due to a combination of the pandemic and recently getting divorced in my income, dropped below poverty level, which is normal for women. Doesn’t help my ex stole all my money. This just made me realize I need to be more proactive on keeping track of all of my miles to make them work for me.
I challenge that it’s normal for women to drop below poverty level. Did you choose to give away your power to work and care for yourself when you got married. I said that with love so that you don’t find yourself in the same situation next time you get married. I wish you love and self accountability ❤
The citi custom cash gives you 5% on the first 500 on dining out. I would recommend only using that card for dinning out and if you have a card for other high spending category. Gas and travel should have thier own card.
Hello Erika... I am enjoying this content immensely. So glad I found your channel. Thank you for this interesting interview with "The Points Guy". Both of you have a new subscriber. Looking forward to your channels.
Yip as a frequent flyer l get tons of advantages from Qatar 10% discount on my birthday, free lounges worldwide, book in at the business line and sometimes l used to get free upgrades but Qatar are now stingy lately. I would never put myself into dept in order to get a credit score for free upgrade or travel, for me cash is king.
@37:45 what about the apartment charging 3% or so for using a credit card? Are points really that much more? Already have excellent credit score, so don’t need it for that.
I heard about the BILT credit card about using to pay the rent and they waive the transaction fee while you earn points. Im asking him maybe he knows about it.
As a farmer who home schooled my children on the farm I used the sapphire card and ran everything through it and was able to take my children to 7 different countries For free.
🎉🔥👍
The merchants paid for you.
@@Notme-tq4xs yes true but they did it voluntarily.
@@Notme-tq4xs merchants take credit cards to accept more customers. Additionally, the fees involved are tax write offs.
My strongest card by far. Love the Amex Plat, but CSR is incredibly valuable
To earn rewards, you have to the credit card; however, unless you’re paying your entire balance due monthly, you are actually paying for the rewards.
don't spend more than you can pay-off each month...
Of course. He says that in the video. You lose if you carry balances. If you have trouble with this then it’s not for you. It takes discipline. One thought to get started. Set up all bills that you already pay in full each month to be paid on your credit card. Transfer that amount directly to your credit card in advance of your payments. It works.
Wow! I love the quote “My debt free journey was the best journey I ever took.”
As each of our 3 boys started driving we added them onto one CC for emergencies ONLY and that gave them good credit to start life also.
Hope you enjoyed the episode! Here are my favorite cards: erikakullberg.com/cards
Always great to hear The Points Guy giving some facts in easily understandable chunks. Thanks for this interview.. great job!
Has anyone said that a BIG advantage of traveling with points is that you can cancel the trip or change dates with NO penalty or cancelation fees. They are immediately deposited into your account. The "extra" you paid in taxes + fees is redeposited to your card with 3-4 days.
When I cxld a r/t KLM paid flight to Moscow a few years ago, I had to reuse the credit with one year or lose it. So I changed to r/t to Italy. They charged me $400 for "destination change". Ouch!
The $90 annual fee is worth it just because I can board in tourist class right after Business class boards, while there is still overhead space available for my carry-on. Whew!
I have a Costco Visa, I put all spending through it and pay it off monthly. I get on average $1,0000. back at the end of the year. This allows me to fly on any airline, cruise ship or any vacation instead of being forced to one airline. I get huge perks when using Costco Travel.
The Chase freedom would give you more points
Not trying out a new strategy is the biggest mistake. That much cash back is worth way more with points. But if you are happy with your strategy then that's what it all matters.
If you get $1k back from Costco, your average spend is $50k per years. If you spend that much with chase sapphire, you get $2.6K back!!!
LOVED this Erika. Please do more like this or have Brian back. He’s very charismatic and informative.
Yip he doesn’t know what his talking about.
As a small business, I offer a discount for payment by check. You can opt out of the game entirely and save money. Not everybody does this but it's worth asking.
I just have to say as someone who has always been intimidated, overwhelmed and turned off by money, credit cards, points ETC I really appreciate you Erika for making these topics EASY to digest and exciting to dive into and interesting to listen to. I feel so much more empowered!
Really nice to see a long-form interview with Brian; didn't know he's really well spoken on top of helping everyone maximize their points!
No he's not
You are doing such a great job with these interesting interviews! This one has been one of the best! Thank you! 😊
TPG was definitely a big inspiration to me. My last 5 day trip was totally covered using credit card points (flights and hotels). It’s been a game changer for my family!
I dont generally listen to podcast; no particular reason, but this episode kept me on the edge of my seat; so much education. thx
The energy of the mind is the essence of life.
Excellent! I just discovered your channel with this video. I'm a nomad taveling the past 4 years all over the US and Canada by driving. I always used a Capital One cashback card for simplicity and I wasn't flying much. After much research just got my first points card, the Capital One Venture X as I've left the US and there will be a lot of flying. Still in the early stages of figuring this thing out but did enjoy my first lounge while waiting on a flight which was especially nice as the flight got cencelled - twice!
This was also very enjoyable and inspiring hearing details of how TPG got started and grew. Such a nice, regular guy who's doing a lot to make a positive difference!
What he said about Emirates made my heart melt. I've been living in the UAE for over a decade and fly to NYC to go back home. Emirates and Etihad can't compare to many other airlines. And people from around the world work there.
This video changed my life. I just received 400 miles between two different airlines and cash back just by purchasing from a store I already planned to buy from without the shopping affiliates. I can’t wait to see how much points I can rack up on my everyday purchases. I always thought you can only earn miles through the cards and buying flights but now it’s like I doubled my earning power.
I appreciate the audio balance os the podcast. I gained more trust about credit cards with this episode. Thank you.
i did not hear any advice on how to actually use miles for traveling. did i miss it?
So interesting and helpful! Love The Points Guy, Brian. I've learned so much from both of you - thank you!!
When I was in University I was losing the credit card game, now older and wiser I'm winning the credit card game with my Amex Platinum card. Yes, I pay off my card every month.
He was very informative. I will have to watch again as I am still unsure which is the best CC for me for points. I have been thinking about this for years and still can not decide. Thank you for this interview.
It depends on what your goals are. If you just want flights, I love our AA card. You don’t get as many “points” per $1 as a Sapphire-type card, but recently, they made it so you can get “status” (ie, upgrades) for everyday purchases. I love it, because my husband has status now. If he flies by himself, he can at least get upgraded to a premium seat, if not first class. When we fly together, I use points to buy first class tickets. It’s better for us to use points than purchase because if we cancel and they redeposit our points if our travel plans change and we cancel. If your travel is flexible, you can schedule flights for a very low amount of points, plus, they fly almost everywhere. A Sapphire-type card might be better if you want to use points for the whole vacation. Good luck!
LOVE LOVE LOVE THIS THANKS BRIAN AND ERIKA!!!
Hi Erika, Thanks so much for inviting The Points' Guy onto the show. So much interesting info and anecdotes from him as well.
Warmest Regards- David from Melbourne Australia
🥸👌🍷🍷❤️❤️🦘
Why does this video not have 500k views?! It’s amazing information.
I learned a lot today about TPG and about credit cards , thanks Erika and Brian
So hooked to your podcast! I´ve been working from home and listening to it to cancel other noises! Every interview is my favorite! Thank you!
Beware of all these partial truths, if you are a normal spender in certain situations you may find some savings on coach but you won't beat the system to reach international first or business class unless you also are a frequent flyer i know this. Plus you are also paying annual fees, some are hefty annual fees of $400 or more. Plus many Airlines have increased the mileage needed to far levels from before making it even more difficult to achieve and the say they can change the rules anytime. Much of these should be classified as scams.
This. I have over 225k miles saved with Chase Rewards. Two premium economy seats from the US to Scotland were double that. Business class, almost four times.
Love how organic the story of his success is. Very wholesome!
Excellent interview! I was capitvated the entire time.
Fantastic presentation... I've always wanted to grasp the issues mentioned here because I don't know where to start after ruining my credit decades ago... I developed the financial discipline to save, and be frugal, so I know I'm ready right now...
LOLZ
Great interview from the king of travel.
I use Chase sapphire and the airline that I travel most depending on location to get free bags and points for flight.
Brian is incredibly intelligent and down to earth. This was a Great interview!
I gave up on "points" when I basically stopped flying - used to do 250k-350k miles/year, no more. Now I just use cards that give me 1.5-3% cash back. I only fly for work or emergencies, both of which are extremely rare. And I'll drive if I can.
Fir those businesses cards wouldn’t it depend on your business? How would you accumulate points on business only transactions. Will miss out on the 4-8 points
Thank you! This was a very good episode on busting credit card/score myths and the money wounds we can carry on with.
Great interview Erika. Get more guests like this. Good work!
Very cool to hear the background and success story about The Points Guy.
Another incredible interview ERIKA. This one gives me a better understanding of the points system. Thanks for sharing. Keep the content coming. Hope you have an awesome weekend. Much love. Hugs
More and more merchants are charging 3 % for credit card purchases.
High end credit cards should look into it and compensate their users some how.
What do you guys think ?
No
I love her energy
I have noticed that when I shop for tickets its cheaper to not purchase from the credit cards. Am i doing something wrong
Solid interview however I do want to nitpick on the “never fly economy again” title since this was never discussed. From my research even top tier status doesn’t get you consistent upgrades most of the time.
Nice conversation. Thanks.
Great interview Erika, keep it going!! ✔️✔️
Thank you Erika for this video. It gave me so much information about how to use credit card points to travel. I was always unsure about how to go about picking the best card for me. Now I have some solid tips to start me off.
Erika! Amazing interview and Brian is like an encyclopedia. I will be more proactive with my use or CC perks and points advantages. Brian the points guy get ready because I’m going to share video with my family and coworkers . Thx a million.
Love hearing his story and your questions!
I have traveled the world using TPG tips.
Really good interview. I still have a lot to learn about accumulating the points and being able to pay off the credit cards each month. Do you think you will have an explanation breaking that process down?
I got the chase sapphire preferred card. Any tips on how to best use it for airline rewards and lounge access.
I have over 300k Amex points and I can’t even get 1 business class from MIA- Europe. It’s killing me how points are useless now!!!
Transfer to ANA, and you can fly around the world!
This is not for a the regular person. All these people talk about transferring miles, not using cash back, transferring cash back, etc. Most of the credit cards give you 1 to 2 points back per dollar. If they give you 2 per dollar u need to spend 5000 dollars to get 10.000 which cash back usually is 100 dollars. Do the math how much you need to spend to "get a free first class ticket"
Edit: all this rich people spend lots and lots of money all the time, therefore they get lots and lots of points, and travel first class free.
This video will put people in debt. Facts.
This was amazing. Thank you
Does one need a good credit score if they have money to purchase anything they want in cash?
this was sooo informative thank you very much! you are doing a great job Erika:) love the podcasts 😍
Thank you!!
Amazing, started affiliate company and sold it in just 2 years. Congrats. Ur superior. 👏
Very informative, I actually subscribed to his newsletter.
Great Info. Love how I’ve learned a lot from your videos now that I’m traveling more often. Thank you and stay blessed
Thank you for this episode! I have listened to this a couple times and each time I have gained something new. Have saved it and will go over it again 👍🏻 ps Brian is so smart and kind! So are you Erika 🤗
I do not carry a balance on my credit card. Even tho some cards seem good, I cannot get past the thought of a credit card that charges a yearly fee. Unless I’m missing something!
This is misleading. If you need to have reward points that's not free. You need to spend a LOT of money on your cards or you need to be wealthy enough to get a card that comes with a bonus that's high enough (and those aren't usually free either). There's no such a thing as free lunch.
Ofc you can get points with out spending credit card 😂 but you can accumulate quit points if you using everything pay by credit card for one year
@@vibe_tube3634 No, you can't. Even sign up bonuses usually require you to spend. It does not help if you live a frugal lifestyle, even if you're in the United States, where you can easily buy groceries using your credit card, that doesn't amount to much if you shop wisely and you're a single person without children. If you already have a high spending profile you don't need that kind of advice either because most people within that group know well enough, and they also know it's not free but a kick back from transaction fees. It's frequently more convenient to use a cashback instead.
Well traveling using rewards points is not for everyone. He clearly specify his target audience at 17:05. The primary audience consists of consultants, bankers, lawyers, and others who frequently travel for work. They are often on the road each week, with their companies covering their travel expenses. While it's true that spending is necessary to accumulate points, many savvy individuals exploit this by charging their business-related travel expenses (such as flights, gas, food and hotel) to their personal credit cards, later getting reimbursed by their companies. In these cases, the company covers the cost of the business trip, but the individual still earns reward points for personal use.
Those people don't need a video to tell them to do it, they already know about it and they already do it, so the video is useless, then. @@Wayo507
You’re LOUD AND WRONG. 😂
Actually, it happened to me last summer, as my flight was oversold and they were offering $10K to leave the next day. I did not volunteer because it was my mom's surprise b-day party and I would have missed my second flight and missed the party I organized....otherwise, heck yeah!
Great VALUE info! …&…That part, traveling & meeting people from different parts of the world is Enriching!!
Non stop from the US to SA but I cant find a non stop from Calif to NC lol
Travelling IS amazing!!!!! I live in Canada, but use miles and points extensively here too. Fabulous interview!! I've shared it twice with friends who I know will also enjoy it.
This wound up being a great recap of the Points & Miles game. I have people who ask me about it and this is a pretty good starter video that I'll recommend.
LOVE LOVE LOVE THIS!!! Thank you guys so much for the info!!!
Fly On!!! ✌🏻
This was educational!!!! 😊😊😊😊
Great interview! Thank you!
In all of this the merchants are loosing out or they are raising prices to cover the transaction fee
So empowering 😊I enjoyed learning with both of you now to take action
Yes!!! 🎉 great questions. Very exciting interview
Erika! This was amazing! Love Love Love this! THANKS Brian!
Awesome, informative, well-done!
wow what a nice and empathetic guy!! Please bring The Points Guy to Europe 😍 the credit card offers are unfortunately for US only... :(
Another wonderful interview. I will definitely have to check out the credit cards he recommended for business as well as personal. Thank you.
Amex changed their additional card member rates. It’s now $175 PER, not for first three.
Thank you so much for this content! Keep it coming please 🙏🏼 ❤
I wish charging my rent to my credit card was an option. Unfortunately, the property management company charges a $60 fee for credit card payments. At least I try to use my cards to rack up points but it's sad my biggest monthly expense has to come directly from my bank account. UGH.
Check out Bilt Credit card that allows to pay for rent.
Thank you so much. Can you apply for a chase sapphire card if your from the UK?
I absolutely loved listening to the interview, but it stressed me out incredibly because it made me realize how much I pay in credit card fees and don’t really get much use out of them. I recently lost six companion tickets with AMEX because they expired due to a combination of the pandemic and recently getting divorced in my income, dropped below poverty level, which is normal for women. Doesn’t help my ex stole all my money. This just made me realize I need to be more proactive on keeping track of all of my miles to make them work for me.
I challenge that it’s normal for women to drop below poverty level. Did you choose to give away your power to work and care for yourself when you got married. I said that with love so that you don’t find yourself in the same situation next time you get married. I wish you love and self accountability ❤
@@thehoneydeev and don’t forget, her ex stole all her money.
Speak for yourself
How can I get the citi prestige card for the 5% dining?! I eat out a lot too!
The citi custom cash gives you 5% on the first 500 on dining out. I would recommend only using that card for dinning out and if you have a card for other high spending category. Gas and travel should have thier own card.
Thank you so much to both of you for what you are doing!
Excellent advice
Thank You!!
great video!!! thank you both
Fantastic video, a masterclass on different topics 🎉
Hello Erika...
I am enjoying this content immensely. So glad I found your channel. Thank you for this interesting interview with "The Points Guy". Both of you have a new subscriber. Looking forward to your channels.
Great tips out of this interview. Thanks
Great interview…from a first time viewer! ❤
Great episode! Glad I found you. Now subscribed.
Yip as a frequent flyer l get tons of advantages from Qatar 10% discount on my birthday, free lounges worldwide, book in at the business line and sometimes l used to get free upgrades but Qatar are now stingy lately. I would never put myself into dept in order to get a credit score for free upgrade or travel, for me cash is king.
Excellent advice
Thank You!! 👍🏻
@37:45 what about the apartment charging 3% or so for using a credit card? Are points really that much more? Already have excellent credit score, so don’t need it for that.
I heard about the BILT credit card about using to pay the rent and they waive the transaction fee while you earn points. Im asking him maybe he knows about it.
What is BILT ?
That is great thank you very much again
Excellent advice, I once lost well over 350,000 miles by simply not going to the website and buying something.
Please explain what happened. Sorry about that.