_Q & A followup to
Okie & Bulldog Security Post
http://beyondorganic.../bulldog-oki...
READ
Bulldog75:
WE REALIZE THAT MANY INVESTORS WILL BE AT DIFFERENT LEVELS.
WE MAY DO AN ADVANCED SEMINAR TOMORROW NIGHT FOR THOSE WITH 20 MILLION PLUS (FOR EXAMPLE) WILL ADVISE AS WE PROGRESS.
THERE IS SO MUCH TO COVER TONITE WITH LITTLE TIME BUT WE ALSO REALIZE THIS HAS BECOME URGENT FOR MANY MEMBERS.
WE ARE HERE TO HELP.
DISCLAIMER;
THESE ARE OPINIONS ONLY AND ARE NOT INTENDED TO BE INVESTMENT STRATEGIES NOR DIRECTIONS TO ACT.
THESE ARE JUST PRECAUTIONARY MEASURES TO CONSIDER.
EACH PERSON MUST ACT ACCORDINGLY TO THEIR PERSONAL NEEDS.
[1/2/2012 11:29:43 PM] - M: trinity:
Will banks that do exchange foreign currency accept a dinar bill immediately upon RV? Or will they delay us?
I need a cash in to redeem a reserve. Thanks
PERSON MUST ACT ACCORDINGLY TO THEIR PERSONAL NEEDS.
Bulldog75:
TRINITY ANSWER: YES YOU MAY INITIALLY CASH WHAT EVER ONE NEEDS. CASH MIN AMT FIRST
set up trusts
...
Read More Link on Right
_Chief53:
Why the change from not using the computer for banking to electronic banking???
Bulldog75:
CHIEF53 ANSWER: CLARIFICATION: COMPUTER AND ELECTRONIC IS THE SAME.
THE POINT IS "NO PAPER WORK STATEMENTS" IN THE MAIL.
TOO MANY CLERKS AND MAILMAN MAY CONFISCATE THEM. TY.
PRINT ON LINE STATEMENTS IF ONE NEEDS.
fmk1967 to Miskebam:
#14 says no rush, but the time frame has change to shorter time, do you have any idea on the time frame
av8or:
someone asked me about their passport. if it has expired can they use it?
No you can not use a expired passport for ID
[1/2/2012 11:34:32 PM] - M: Midnightplus:
Will we be able to chose between federal reserve notes and treasury notes when we cash in?
totty:
is it still your opinion that this will be a 15% taxable event even if held less than 12 months?
Bulldog75:
TOTTY ANSWER: YES, WE ANTICIPATE BUT WE WAIT FOR FIRM RULING. TY.
tnmom:
WE WILL POST Q & A IN THE FORUM FOR ALL ~ WE APLOGIZE FOR THE TECH ISSUES
Miskebam:
ATTENTION: WE WILL BE SCALING UP THE SERVER TONIGHT... THIS WILL SOLVE ALL OF THE ISSUES YOU ARE EXPERIENCING NOW.... SORRY FOR THE INCONVENIENCES...
[1/2/2012 11:39:34 PM | Edited 11:40:54 PM] - M: dreamer4god:
I don't have a passport, and I don't have the money to get one. Would it be ok to use a state ID rather than a passport or DL?
Bulldog75:
DREAMER4GOD ANSWER: STATE ID IS GOOD FOR NOW. MUST GET PASSPORT. TY.
pushywoman:
After the RV will the taxes be paid quarterly, in April, or when you cash in?
Bulldog75:
PUSHYWOMAN ANSWER: TAXES WILL BE PAID QUARTERLY. TY.
trinity:
Bulldog- Are you going to give us a status report on when you think the RV will occur or us in America?
Bulldog75:
TRINITY ANSWER: YES. GAVE TONIGHT AND IN MY POSTS ALREADY. PLEASE SEE WINGMEN "BULLDOG75". TY.
Bulldog75:
MORE DETAILS COMING ON THAT AS NIGHT PROGRESS IF SOURCES ARRIVE.
Bulldog75:
RIGHT NOW EVERYTHING IS THE CALM BEFORE THE RATE POST.
floridaman:
is there a difference if i cash in as an individuals versus getting my Business Trust established and have that "entity" cash in?
Bulldog75:
FLORIDAMAN ANSWER: MAJOR DIFFERENCE;
INDIV NAMES WILL BE KNOWN TO BANKING SYSTEM.
BUSINESSES WILL BE CASH AS BUSINESS TRUSTS.
MAJOR DIFFERENCE. TY.
rosie:
I have been making 2 sided copies of each dinar bill - is this advisable? My son has scanned copies into his computer..TY
txgirl:
Will we still have the packages for the banks and if so how do we get them? Please and thank you
Barboza to Bulldog75:
Did you get tower confirmation for your final approach to landing your Jumbo Jet? Have a safe landing, brother! The runway is all yours... and the lights are on!
AZNative:
Will we only have to pay taxes for our gains from the time we cash in?
Washman to Bulldog75:
Does Okie still have the correct serial numbers for the 747's
bullseye:
Bulldog75 This My be a stupid question I have never had or used a passport . How does this work & what shows up on passport
'
Bulldog75:
ROSIE ANSWER: YOU SHOULD BE GOOD AT ANY BANK WITH DELA RUE MACHINES. WILL NOT HAVE TO SEND OFF.
silverbullet:
i am a newcomer -- why the need for a passport? TY
Bulldog75:
BRGIRL ANSWER: NO PACKAGES AVAILABLE. WE WILL ADVISE ON BEST RATES, BANKS AND CASH IN SITUATIONS. DO NOT CASH IN FIRST DAY. TY.
UNC:
should you pay all of your taxes out the gate
Bulldog75:
BARBOZA ANSWER: KEEP LIGHTS ON; 747s ARE CIRCLING. TY.
dinarmama7:
Runs into room and (((((((((((((TACKLEHUGS OKIE)))))))))))))))))
mark64 to Bulldog75:
banks in Canada are offering great interest rates for more than 1 million lock in for a 5 year tern, is this a good idea, your opinion please
Bulldog75:
AZNATIVE: YES, QTRLY PAYMENTS;IE: JAN, FEB, MAR TAXES ARE DUE APRIL 30. TY.
OKIEOILMAN:
HI GUYS
Bulldog75:
WASHMAN ANSWER: OKIE DOES HAVE SERIAL NUMBERS TO THE 747S PLANES TO LAND.
OKIEOILMAN:
HAD PUTER PROB'S TONIGHT--A GLASS OF ICE TEA ON YOUR KEYBOARD DOESN'T HELP
Miskebam:
LOL GLAD YOU MADE IT IN
Bulldog75:
HEY BROTHER; WELCOME ABOARD. BETTER THAN A DOG ON YOUR KEYBOARD!
OKIEOILMAN:
SIS--GOT PROB CLEARED UP----------I HOPE
SBM0601 to gredhead:
Hey Okie
kkorn:
OKIE..whats the work for todays info?
huckneworleans:
WE WELCOME YOU OKIE
Miskebam:
AWESOME! BUT WOULD HAVE BEEN NICE TO HEAR YOUR VOICE
oilgenrl:
Milk is not good either Okie
trinity:
Okie what's the latest news you are hearing?
OKIEOILMAN:
WHAT QUESTIONS MADE YOU RUN DOWN THE STREET WITH YOUR HAIR ON FIRE TONIGHT BULLDOG?
dinarmama7:
Not much, no it does not
tnmom to OKIEOILMAN:
how is Lilly doing?
OKIEOILMAN:
I AM STILL AWAITING ON THE OUTCOME OF TUES OR WED TO SEE WHAT WE WERE PROMISED LAST FRI NITE
tajmah09:
HOW CAN I FIND OUT WHICH BANKS IN MY AREA HAS A DELA RUE MACHINE?
Bulldog75:
BULLEYE; PASSPORT SHOWS ONLY NAME, DATE OF BIRTH, AND COUNTRY. NOT YOUR HOME ADDRESS, HT, WT, AND DRIVERS LICENSE #.
OKIEOILMAN:
DEL A RUE MACHINES ARE NOT MANDITORY AT ALL LOCATIONS DUE TO THE MANY SECURITY ISSUES BUILT INTO THE DINAR THAT CAN BE VISUALLY VERIFIED
Bulldog75:
MODS ; PLS HOLD QUESTIONS TIL WE CATCH UP.
DelawareMeMom:
I have Jamaica Blue Mountain coffee for everyone! Step up to the counter. Okie gets first cup,
Bulldog75:
UNC ANSWER: EVERYONE SHOULD PROB PAY QUARTERLY TAXES. TY.
OKIEOILMAN:
HI JANET---BEEN TOO BUSY TO EVEN RETURN CALLS TO FAMILY SO DON'T BE INSULTED WHEN I DON'T CALL BACK
Bulldog75:
TAJMAHO9 ANSWER: CALL BANKS TO SEE IF THEY HAVE DE LA RUE MACHINE. TY.
OKIEOILMAN:
TAXATION ISSUES ARE BEST ANSWERED AND ADDRESSED BY A TAX ATTORNEY------NOT A COMMON ACCOUNTANT OR C P A
Bulldog75:
NEXT SECURITY Q:
SkipperRose:
Bulldog---the info, as posted in the forum, is dated 11/30, and i know this is so you can get everyone up to date...knowing this has been posted in the past, what new information do you have that can help those of us that have already read the info in that post from 11/30?!?! Thanks in advance!!!
csc2000:
Hi everyone Love the new chat
OKIEOILMAN:
IF YOU WILL TAKE THE TIME TO GOOGLE US TAX CODE SECTION 988 AND 525 IT WILL ANSWER YOUR CAPITOL GAIN QUESTIONS
oilgenrl:
Bulldog75: Is it necessary to make a copy of each Dinar? Front and back?
Bulldog75:
SKIPPERROSE; MANY ITEMS ARE CHANGING DAILY TO SOME PROPORTION DEPENDING ON ONES CIRCUMSTANCES, INVESTMENTS.
USE DISCRETION. TYVM. APPRECIATE U BEING HERE.
olesailor:
It looks like serious consideration should be given post rv to moving somewhere no one would know you, start fresh and be more private. Has any thought been given to that concept?
Bulldog75:
OILGENRL ANSWER:IF IT MAKES ONE FEEL BETTER TO COPY EM, GO AHEAD. I AM NOT UNLESS MY BANKER SAYS NO CASH IN. YOU SHOULD BE GOOD. NO CHARGE BACK IF BANK ACCEPTS EM.
dreamer4god:
would the bank packages be for less than the rv? Or will we get what the rv rate is?
Bulldog75:
OLESAILOR ANSWER; MAJOR ISSUE HERE.
IF SOMEONE ELSE PERSONALLY KNOWS ONE HAS DINAR; WHO WILL BROADCAST IT IS THE QUESTION?
NO ONE SHOULD KNOW A DINARIANS ASSETS, BUSINESS OR DETAILS EVER.
Bulldog75:
DREAMER4GOD: ANSWER: THIS IS WHY ONE SHOULD WAIT FOR 24 HOURS AT LEAST.
FOR THE MARKET RATES TO SETTLE. TY.
OKIEOILMAN:
SOME BANKS WILL CHARGE A SPREAD AND SOME WANTS YOUR DEPOSITS MORE THAN THEY DO IN MAKING ANY MONEY OF THE REDEMPTION
REDEMPTION
Wtex:
If you cash out into a none interest bearing account can you later transfer it to Business Trust account?
twinkie:
hey okie....you ROCK!!!!!!!!!!!!!!!!!!!! god bless ya
OKIEOILMAN:
SPECIFY NON INTEREST BEARING ACCOUNT WHEREVER YOU CHOOSE--AND INITIALLY REGARDLESS OF HOW YOU SET YOUR ACCOUNT UP
Bulldog75:
WTEX ANSWER: DIFFERENT TRUSTS MAY HAVE TO BE SET UP TO PROTECT OTHER INVESTMENTS, INTERESTS. WHAT ONE DOES INITIALLY USUALLY PROJECTS THE LEGALISM OF THE FUTURE. SEE CPA, ATTORNEY, IRS.
lvn42day to OKIEOILMAN:
What do you mean by, 'No charge back if the bank accepts them'? TY
Bulldog75:
NON INTEREST BEARING SHOULD PROTECT TOTAL AMT
blessedbeyondmeasure:
Our WF says they will deposit funds but will send them off for verification. Is that they same for acceptance? Thank you
OKIEOILMAN:
MOST OF YOU GUY'S SEEM TO BE CHASING GHOSTS THAT WON'T APPEAR-----DON'T WORRY
Bulldog75:
LVN42DAY ANSWER: MAKE SURE YOU GET AN OFFICIAL RECEIPT FROM YOUR BANK.
THEN MOVE THE MONEY TO ANOTHER NON INTEREST BEARING ACCOUNT AFTER WIRES ARE DONE.
oksooner:
OKIE i have business trust already set up....am i good to just deposit no matter how large of a deposit ?
Bulldog75:
DO NOT WORRY ABOUT DETAILED DETAILS AT THIS POINT. LOOK AT BIG PICTURE OF WHAT'S HAPPENING.
Bulldog75:
PLS .. TY.
OKIEOILMAN:
OKSOONER--YES IN A NON INTEREST BEARING ACCOUNT
fanceedancer:
how can you keep your medical records private if you are already retired and have medicare and social sec
OKIEOILMAN:
WHAT DOES YOUR MEDICAL RECORDS HAVE TO DO WITH A DINAR CASH IN??--------APPLES AND ORANGES
AZNative:
I was under the impression if you deposit your money in a non-interest bearing account it would be covered. Yet you advise to insure it, why?
OKIEOILMAN:
AZNATIVE--AT LEAST EXPLORE THE POSSIBILITY OF AN UMBRELLA POLICY OF PROTECTION IN CONJUNCTION WITH THE F D I C INSURANCE---MAY BE A GOOD INVESTMENT---
fanceedancer:
I am referring to safety precautions you posted about keeping soc sec # and medical records private
Bulldog75:
AZNATIVE: ANSWER: ONE MAY CHOOSE TO INSURE LARGE ACCOUNTS IE: LLOYDS OF LONDON
Bulldog75:
FANCEEDANCER:ANSWER: BANK WILL HAVE TO HAVE YOUR SOCIAL IF U PERSONALLY CASH OUT.
r2e2 to ADMIN:
How long do we let our money sit in first account before we can transfer it out?
OKIEOILMAN:
THE REASON FOR AN E I N NUMBER OR A SOCIAL SECURITY NUMBER BEING REQUIRED IS SO UNCLE SAM CAN SPEND YOUR MONEY TO BUY MORE BULLETS AND BOMBS AND RAISE THEIR SALARY'S
Bulldog75:
R2E2 ANSWER: MANY OPTIONS; WILL SUGGEST; PROTECT YOUR PRINICPAL; CAUTION ON ANY INVESTMENTS!
soblessed to Bulldog75:
Bulldog75 what amount is considered large enough for lloyds of london insurance
OKIEOILMAN:
DON'T FALL PREY TO ANY INSTANT INVESTMENT OPPORTUNITIES-------KEEP YOUR MONEY FOR A YEAR AND INVESTIGATE INVESTMENT POTENTIALS
sharpac:
How can you have a business Trust with no Business?
Bulldog75:
SOBLESSED ANSWER: YOUR DECISION; MINE WILL NOT STAY IN THE BANKS VERY LONG. SOME BANKS OFFER INCENTIVES IF U LEAVE 25% IN THEIR BANK.
Washman to Bulldog75:
Should we be able to cash in a couple 25k notes the day rates first show at the banks?
fgriffin:
Question for Okie.. I had seen a post about treasury rates versus bank rates for cash in. Any idea's on approaching banker to waive his fee.??
Tigerlily to OKIEOILMAN:
How do you ask a question?
fgriffin:
Okie you have the patience of JOB,We love ya.... Grin..I actually am getting excited.
Go Bulldog..you need a FAQ section.
OKIEOILMAN:
TELL THE BANKER IF HE WANTS YOUR LARGE DEPOSIT---HE WILL FOREGO ANY SURCHARGES FOR REDEMPTION OF YOUR DINAR
Bulldog75:
SHARPAC: BUSINESS TRUST IS TO PROTECT YOUR ASSETS AND INHERITANCE FORTCOMING. WANT TO PAY UNCLE SAM 50%
TeaTime:
what does E I N number stands for?
Tigerlily to OKIEOILMAN:
How about wiring the money to a brokerage acct, They have better insurance than a bank?
OKIEOILMAN:
EMPLOYERS IDENTIFICATION NUMBER
OKIEOILMAN:
TIGERLILLY----EVER HEARD OF MAINTENANCE FEE'S????
Bulldog75:
WASHMMAN ANSWER: YES, OK TO CASH IN A LITTLE ON FIRST DAY IF SUPER NEEDS. TY.
LaGal to tnmom:
would it be safe to pay for large items such as a new vehicle with cash? or to pay your home out?
Bulldog75:
SEEK COMPETITIVE RATES THOUGH WASHMAN. SHOP OUR RATES.
largemouth to OKIEOILMAN:
I have several business LLC accounts and my bank has my SS#...is there away to not give my ss# here in OK?
OKIEOILMAN:
BULLDOG--EXPLAIN THAT BANKS ONLY ALLOW SO MUCH CASH TO BE DESPENSED IN ANY 1-24 HOUR PERIOD AND OVER THAT (5000) I BELIEVE---HAS TO BE REPORTED TO THE IRS
oilgenrl:
thats my wife ....tell her no new cars
Bulldog75:
LAGAL: CASH IS LIMITED ON A DAILY BASIS. IRS IS ALERTED ON LARGE CASH PURCHASES.
LSUTIGER to LSUdinar:
wouldn't an offshore corp, acct, be the better protection against the usd collalpsing and the fed reserve ending its 100 yr contract?
Bulldog75:
10,000 DAILY LIMIT ON CASH OUT OF BANKS.
OKIEOILMAN:
THE WAY AROUND MANY PROBLEMS IS TO PURCHASE FROM THE BANK A PRE-PAID DEBIT CARD
silverbullet:
are swiss banks better than the lloyds of london option?
Bulldog75:
LSUTIGER: YOU WANT CPA/ATTORNEY ADVICE ON THAT PLS.
mskish:
will there be a chance of a 15% flat tax, no matter how long you have held?
OKIEOILMAN:
LSUTIGER---PLEASE FORWARD YOUR PRISON ADDRESS TO ME WHERE WE CAN CORRESPOND
Bulldog75:
SILVERBULLET ANSWER: SWISS BANKS, FEDS WILL TRACK OUT OF COUNTRY BANK ACTIVITY. RENDER UNTO CAESAR.
waitingpatiently:
do you transfer acct. to new one in the SAME or a different bank
OKIEOILMAN:
USE SAME BANK IF YOUR COMFORTABLE WITH IT
Bulldog75:
MSKISH: 15% TENTATIVE NOW. WILL ADVISE WHEN PERM DONE.
rockyard:
should i let my bank no the amount that is being transfered.
OKIEOILMAN:
ROCKYARD--NOW THINK ABOUT YOUR QUESTION-----HOW ELSE WOULD A BANK OPERATE??---THEIR NOT MIND READERS
plumberette:
My issue can not go to attorney until RV and seems rate will not hold for LLC and trust to be set up. If I cash in to a non interest acct can I then move it to LLC and Trust when set up?
OKIEOILMAN:
PLUMB--RATE WILL HOLD FOR SOME TIME---THEN MOVE TO WHEREVER YOU CHOOSE
Bulldog75:
WAITINGPATIENTLY: IN BANK TRANSFERRING TO NEW ACCT IS OK TO PROTECT WIRE TRANSFERS.
StaciLou:
What if you only have 1 mil IDQ.....Do you still need legal ease...?
OKIEOILMAN:
THIS KUWAIT RATE TEMPORARY FLUXUATION DOES NOT APPLY TO IRAQ
OKIEOILMAN:
TXGIRL--OF WHAT DIFFERENCE IS THERE TO WHERE THE FUNDS COME FROM TO SET UP YOUR TRUST-----MONEY IS MONEY
teddybear to OKIEOILMAN:
hi is it still safe for layaways with db and doing wires
Bulldog75:
STACYLOU; ONE NEEDS A BUSINESS TRUST OR RISK PAYING 50% TAXES SOMEWHERE DOWN THE LINE.
OKIEOILMAN:
SOMEBODY STOP CHAINING THE BULLDOG TO THE FENCE POST
OKIEOILMAN:
TEDDYBEAR--NO COMMENT
Blue:
Congratulations Okie! Cowboys Won!
OKIEOILMAN:
BLUE--WHAT WAS SCORE??
soblessed to OKIEOILMAN:
Okie, do you recommend the wire transfer go to an LLC, Business trust or personal account. Does it make a difference?
Bulldog75 to Miskebam:
OK; AM GOOD. TYVM.
Blue:
41-38
OKIEOILMAN:
SOBLESSED--NO DIFFERENCE
OKIEOILMAN:
WHETHER YOU CHOOSE TO PUT YOUR FUNDS IN A L L C OR A TRUST OR IN YOUR PERSONAL NAME------THE TAX LIABILITY REMAINS THE SAME
mskish:
heard on phoenix big meeting in Iraq tomorrow. Tue. regarding Budget,,, any insight on that ?? Thanks !
plumberette:
Thank you OKIE that was what I needed to hear. Bless you. OKLA ST COWBOYS ROCK
therabbi:
Shalom,,, I just got in and I am looking foran update, so what is going on?
Bulldog75 to Miskebam:
OK; THANKS SO MUCH.
OKIEOILMAN:
HI RABBI--GOOD TO SEE YOU MY FRIEND
doris:
Okie or Bulldog75, I bought dinar personally ...HAVE A BUSINESS TRUST... DO I NEED TO PLACE THEM IN TRUST BEFORE CASHING OUT?
SassyDinar:
Will there be a list posted for banks w/locations?
Bulldog75 to Miskebam:
DORIS: ANSWER: AS MUCH AS YOU NEED TO TRUST OK;
PERSONAL OK TO LIVE ON COMFORTABLY
OKIEOILMAN:
DORIS--TAX IMPLICATION IS THE SAME--PERSONAL CHOICE--NO ADVANTAGE EITHER WAY
Miskebam:
ATTENTION ALL MEMBERS, A MESSAGE FROM AJAX:
Thank you everyone for your patience as we've been working on the site tonight.
I can assure you server issues and lost connections will not be a normal occurrence. Thank you Okie Oil Community.
therabbi:
Funny thing happened today Scotti called me and ask if I had told some one that it rved, I told him NO, and as for as I know it has not but that I think it will tonight, I do not no who the guy was or why he would say that ..
The good thing is that this will be over soon....I pray..
Bulldog75:
THANKS AJ!!!
dinarmama7:
Thank you AJAX
OKIEOILMAN:
I STAND IN AGREEMENT WITH YOU RABBI
cherryblossom:
thank you Ajax
Bulldog75:
AMEN.
stevekman:
can some one please advise me as to the best option, I have a nevada llc, do i need to change it to a navada busIness trust for my protection
OKIEOILMAN:
LLC HAS A PRE-DESIGNATED VALUE THAT CAN BE ASSESED-----
LAWYERS RUN AWAY FROM A TRUST IN A LAW SUIT IF YOUR HOLDINGS ARE IN A TRUST
Midnightplus:
Is there a reason one should cash in small amounts of a few million dinar at a time, in stead of a large amount?
Bulldog75:
STEVEKMAN: ANSWER: DEPENDS UPON WHAT ONE IS PROTECTING AND GOALS OF LLC VS. TRUST FOR FAMILY.
OKIEOILMAN:
MIDNIGHTPLUS--ONCE AGAIN--PERSONAL CHOICE
gridkeeper:
Thank you, Ajax
Bulldog75:
MIDNIGHTPLUS: ANSWER: CASH IN SMALL AMOUNT UP FRONT OK TO GET UP AND RUNNING.
Bulldog75:
BE THE SECOND MOUSE WHEN POSSIBLE.
fanceedancer:
Am I understanding correctly if we don't have a business trust we pay 50% taxes not 15 or 33%
OKIEOILMAN:
STEVELKMAN--YOU CAN'T CHANGE AN L L C TO A TRUST--THEIR 2 SEPERATE ENTITIES
therabbi to OKIEOILMAN:
I am getting off here have to see to the dogs, I am up if you need to call... you have the number. Shalom to every one and rv dreams to all.
SBM0601:
Goodnight rabbi
OKIEOILMAN:
RABBI--SURE WOULD LIKE TO WAKE YOU UP TONIGHT
Bulldog75:
RABBI; SHALOM.
DrRod:
Good evening Okie and Bulldog.
Thanks for your guidance and constant words of encouragement concerning the best methods for secure cashin and safe keeping of our new treasure.
We wait in great anticipation for the Father's Blessings and to be able to do HIS Will.
therabbi to OKIEOILMAN:
I want you to...
Bulldog75:
DR ROD; BLESSINGS SIR. AMEN. TYVM.
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