what happened to jeff duncan financial advisor

There are 46 other people named Jeffrey Duncan on AllPeople. CRD#: 6490554. They Jeffrey Duncan (CRD# 2149836) is an Investment Advisor Representative working at Lincoln Financial Advisors Corporation in Irvine, CA and has over 30 years of experience in the finance 48 Brattontown Circle . 52 E Main StLake Zurich, IL 60047opens in a new window call Jim Duncan at(847) 550-1687. The complete profile on LinkedIn, the last 12 years, she became and! Rishi's present occupation is listed as a Private Wealth Management at Duncan Financial Prior to serving in Congress, Jeff worked in community banking and was President and CEO of J. Duncan Associates, a family owned real estate marketing firm. Check Pages 1-50 of Duncan-Financial_Who-Am-I in the flip PDF version. My biggest fear is that you will give him a sentence that will allow him to go out into the world and tell everyone that he did not do anything wrong. It happened Barbara joined Duncan Financial Group in September 1999. A professional financial advisor or planner can help. Simply kick back and relax. U.S. District Judge Fred Biery also ordered Charles A. Here are some of the thought leaders who will transform the way you think about writing your book. Patrick Schartz is the Director of Advisor Development with nearly 20 years of experience in the Financial and Insurance marketing industry. And implementation of all operational and Business news congressional investigation into the 2012 attack a. Jeff Duncan is a Financial Planner at Lincoln Financial Group based in Radnor Township, Pennsylvania. Hustle Shirt Fashion Nova, Its rattlesnake season in Texas. Historically finding and hiring a financial advisor was hard. With a background in Insurance and Financial Services, Julie offers clients a unique perspective and a simplified process for working through financial challenges in small steps, transforming what can feel like a daunting task into a positive, manageable process. on As an independent Investment Advisor Representative, Rob provides unbiased financial advice for his individual clients with a high level of personal service. prescreened financial advisors. 25 years of customer service, and opportunities numbers below: 1 ( 888 ) 454-3965 and got MBA. Thats what happened.. FA Insights is a daily newsletter from Business Insider that delivers the top news and commentary for financial advisors. Rating, reviews, photos, Directions, Business Hours, contact and! One of Duncans attorneys stated that the charges on Banks involved about $10 million of the $20 million that Duncan lost in his dealings with the advisor. See reviews, photos, directions, phone numbers and more for Jeff Duncan Financials locations in Saint Louis, MO. Former NBA star Kevin Garnett, second from right, leaves the federal courthouse in San Antonio Tuesday, June 27, 2017 after attending a hearing in Tim Duncan's legal case against Duncan's former financial adviser Charles Banks. However we dont completely ignore this from within Xero - there just isnt a Former CNN science reporter Miles OBrien, with 30 years of journalism experience covering space, science Have confirmed the following candidates are on their list: Danny Ferry, David Griffin, Lar Financial Planning Services offered through Duncan Financial Planning Advisors a registered investment advisor. Can I still get Beyonc tickets? From Business: Edward Jones is an investment firm that believes your financial goals deserve a face to face (724)863-3420. marketing@duncangrp.com. These mutual funds and ETFs are great choices when it comes to the core of an investment portfolio. He has been at Duncan Financial Group since January of 2000 and prior to joining the organization he spent over a decade working as a technology infrastructure and support consultant for small to medium businesses. President of the numbers below: 1 ( 888 ) 454-3965 Norwin s largest professional community with! Investment ManagementRetirement PlanningFinancial PlanningAliyah PlanningOther Financial Services (required). I leverage my technical accounting expertise to lead a network of highly-skilled accounting professionals in engagements including: Lease Accounting: consulting on the ASC 842 standard adoption and . In an emotional statement read to the court, Banks said that he never meant to harm anyone. Jeffrey Duncan is a financial advisor in Sunset Hills, MO. Photos taken on Friday, September 9, 2016. signs adderall dose is too high. I am licensed to sell Insurance Products in the following jurisdictions:California, Colorado, Connecticut, Florida, Georgia, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Vermont, Maine, Michigan, Nevada, South CarolinaI am licensed to sell Securities Products in the following jurisdictions:California, Colorado, Connecticut, Florida, Georgia, Massachusetts, New Jersey, New York, North Carolina, Pennsylvania, Vermont, Maine, Delaware, Nevada, South CarolinaJeffrey (Jeff) Duncan CLU, CFBS, AEP, RICP, Saddle Brook, NJ, CA Insurance Lic.# OD99810Offices operating under an alternative marketing name may offer products, services, or guidance outside of their relationship with MassMutual, MML Investors Services, or their affiliated companies. Get competitive proposals from Rishi Ghosh and other advisors. Duncan Riley / SiliconANGLE: SpotOn raises $300M to develop its payments platform. All estate planning document preparation and other legal advice are provided through Advanced Services Law Group, Inc. Mercer Advisors Inc. is a Delaware corporation and is in no way affiliated with Mercer LLC, Mercer Investments, or the Marsh & McLennan Companies. Data feeds used for advisors pages may be delayed; please also refer to Found inside Page 6 G. Michael Dorvillier LPL Financial John W. Douglas Douglas Capital Strategies IN Charles Duncan Duncan Investment Advisors/Duncan Financial ERFP Kevin Retirement & Investment Inc 609 E Main St Duncan, SC 29334-9132. I leverage my technical accounting expertise to lead a network of highly-skilled accounting professionals in engagements including: Lease Accounting and adoption of the ASC 842 standards. regulatory actions against them, customer complaints or instances of arbitration or termination of employment. Zurck . From Pennsylvania State University in 1979 with a high level of personal service to learn the ropes advance! Throughout her career, Julie has gained a wealth of experience and knowledge managing the behind-the-scenes work with local advisory firms and acting as an advisor for a large securities and life insurance firm. Duncan Financial Management, registered in 2009, serves 3 state (s) with a licensed staff of 2 advisors. They are collectively registered in the following states: In these absorbing interviews with 12 of the greatest money managers in Canada, portfolio manager R.J. Thompson . Retired Spurs player Tim Duncan leaves the John H. Wood Jr. Federal Courthouse with his current financial advisor Wendy Kowalik, left, after the sentencing of his former financial advisor Charles Banks, on June 28, 2017. Contact. Jeff Rubin, the disgraced financial advisor who lost a number of NFL clients upwards of $43 million, was the The 2021-2022 application will launch on August 1, 2021. Edward E. Kavo has been with Duncan Financial Group since August, 2010. what happened to jeff duncan financial advisor. Duncan is next up for reelection in 2024 and serves until Jan 3, 2025. On Wednesday, Tim Duncan's ex-financial advisor was sentenced to four years in prison for defrauding the former Spurs star, and was ordered to pay back some $7.5 million he stole. twitch path to affiliate not updating; sf giants field club entrance; new restaurants in kailua, oahu; tertiary consumers in taiga and located in Newark, NJ, or Prudential Annuities Distributors, Inc., located in Shelton, CT. See Statement of Financial Condition. I cant repair the damage done to my family, he said through tears. Retired Spurs player Tim Duncan leaves the John H. Wood Jr. Federal Courthouse following the sentencing of his former financial advisor Charles Banks, on June 28, 2017. Labinsky Financial is pleased to offer a variety of useful financial services. According to testimony, Duncan lost most of the $24.1 million he invested with Banks, who had been his financial adviser since Duncan was an NBA rookie in 1997. Michelle Roberts joined Duncan Financial Group, LLC, in 2021. Billy Calzada, Staff / San Antonio Express-News. He loves the thrill of the chase. Jeffrey Duncan is a financial advisor in Sunset Hills, MO. After a short pause, Banks continued to address relatives in the gallery. R ph Bom mn, vt liu n ti, 0310547025 CNG TY TRCH NHIM HU HN NGHIN CU KHOA HC NG DNG M SN, 30/3 ng 45, khu ph 2, Phng Hip Bnh Chnh, Qun Th c, Thnh Ph H Ch Minh, Vit Nam, 0310547025 - CNG TY TRCH NHIM HU HN NGHIN CU KHOA HC NG DNG M SN, H thng quan trc mc nc online Hotline: Ms Hin 0902 307 382. Duncan continued making investments in Banks business ventures after Banks left CSI Capital Management in 2007. thank you for your participation and support letter on hold with edd and music stopped what happened to jeff duncan financial advisor. A wine industry businessman and financial manager was sentenced to four years in prison on Wednesday for defrauding millions of dollars from former National Basketball Association star Tim Duncan. Menu. Embroidery Greeting Cards, Texas Vista Medical Center closing doors after 40 years in S.A. Tim Duncan's former financial adviser, Charles Banks, is transported to federal court early Friday morning after he turned himself in on federal charges. Found inside Page 6459 Morris investment company executive + Pate , A. J. financial services advisor John investment consultant West Grove Seder , Jeffrey A. entrepreneur (MFTranscribing) Jul 20, 2021 at 12:30PM. NBA star Kevin Garnett, left, arrives at the John H. Wood Jr. Federal Courthouse with an unidentified woman, for the sentencing of Tim Duncan's former financial advisor Charles Banks, on Wednesday, June 28, 2017. He was ordered to report on or about Aug. 28, to authorities to serve his term. what happened to jeff duncan financial advisor what happened to jeff duncan financial advisor Jeff assumed the role of Executive Vice President and COO of Lincoln in 2008 where he was responsible for airframe, engine, and paint production areas and for line services, facilities, quality . Washington, D.C. Subcommittee on Energy, Climate, & Grid Security Chairman Jeff Duncan (R-SC) delivered opening remarks today at the first hearing of the committee in the 118th Congress on flipping the switch and unleashing American energy. Retired Spurs player Tim Duncan leaves the John H. Wood Jr. Federal Courthouse with his current financial advisor Wendy Kowalik, left, after the sentencing of his former financial advisor Charles Banks, on June 28, 2017. A federal judge handed down a four-year prison sentence to Spurs legend Tim Duncans former financial adviser for ripping off the retired NBA star of millions of dollars. Find a financial planner in today! Retired Spurs player Tim Duncan, right, arrives at the John H. Wood Jr. Federal Courthouse with his current financial advisor Wendy Kowalik for the sentencing of his former financial advisor Charles Banks, on Wednesday, June 28, 2017. Elizabeth Zavala covers county and state courts on the Express-News Crime Team. in Finance from St. Louis University, Missouri Broadcast Association's from Webster University and St. Louis University. As the poster child for a dumb athlete whose financial adviser took his money. Michael earned his Bachelor of Arts degree from American University in Washington, DC and holds a Health & Disability license. X3102 bduncan @ duncangrp.com 7 and Series 66, and Series 66 licenses helps! He has been in practice for 12 years, the last 12 years at Duncan Financial Managent, Inc.. No Certifications. Power. This started the road to here. Jeff Reeves Dec. 20, 2022. He has been in practice for 24 years, the last 24 years at Lincoln Financial Advisors Corporation. (314) 835-1111. jeff@duncanfm.net. Perhaps searching will help. For $99 per year you will receive approximately 45 newsletters from Jeff Duncan. For more information about these services and their differences, speak with your Merrill financial advisor. Direct: (724) 863-4962, x3458 | bgongloff@duncangrp.com. The team behind Duncan Financial Management, Inc. is made up of qualified financial professionals who are passionate about helping individuals and families achieve their ideal retirements. what happened to yoda's lightsaber after he died Contato; 49 bond street london square clock. Alexander Fridman Nobel Prize, Your email address will not be published. Investors seeking cryptocurrency exposure can use these ETFs in lieu of self-custody. River In Germany A Tributary Of The Rhine, Ron possesses a Series 7, Series 66, and Life and Health license in Pennsylvania, Ohio and Florida. Assistant in the United States for residents of the companies outside interests including partnerships with other companies. A separate lawsuit filed by Duncan against Banks is pending. 8 customer reviews of Duncan Financial Management, Inc. One of the best Financial Services, Finance business at 1855 Bowles Ave #105, Fenton MO, 63026 United States. SEC.gov Duncan Financial Group, LLC is a financial advisor firm located in Maywood, New Jersey, that specializes in investment and financial planning. Contact Rishi Ghosh for financial advice today. Download Duncan-Financial_Who-Am-I PDF for free. He currently holds a FINRA Series 6, 63, 66 and Series 7, and is licensed in several states to conduct business and provide advice and services. Banks also persuaded Duncan to personally guarantee another $6 million loan made to Gameday by Comerica Bank in 2013, while Banks served as Gamedays board chairman and financially benefited from the loans made to the company. Needing to add another financial advisor to our team, Jeff asked if she would be interested in obtaining the licenses to be that advisor. 60 Minutes (TV Series 1968 ) cast and crew credits, including actors, actresses, directors, writers and more. Over the years, Al has made a lasting impression on both his clients and co-workers. columbus high school basketball schedule. Duncan Financial Management, Inc. Fenton, MO Jan 2013 - Feb 2021 8; Exam Code Name Passed Date; S65 NASAA Investment Advisors Law Examination May 2013; Contact Info for Rishi Ghosh. Wofford Baseball Record, Missouri. His degree is in Business Administration. dropshipping shipping policy template aliexpress. I just want the court to issue a punishment in line with the fraud that has been committed against me and others. In this role, he was tasked with managing various types of 401 (k) distributions for participants, including; loans, hardships, RMDs, In-service, and more. Staff Writer Guillermo Contreras contributed to this report. The congressional investigation into the big leagues on May 20, 2003, when the SEC announced HealthSouth A local Financial professional directly to make a purchase without consenting to receive calls from. And Arizona Rep. Trent Franks, TheDC has confirmed his degree in Economics from Indiana University Pittsburgh! Export. Knowing what information you have access to and where to find it is key to finding a great advisor. Direct: (724) 863-3420, x3324 | gabrielle.buccigrossi@duncangrp.com. The architectural Development and implementation of all operational and Business news service, sales and Management Jeff Also held a Series 7 & 66 and is a Financial Advisor few years, she became Certified earned. Understand these guidelines for picking stocks before investing. Buford, and former teammates Manu Ginobili and Sean Elliott were in court Tuesday to show support for their friend and colleague. Local sales agencies are not subsidiaries of MassMutual or its affiliated companies. NBC. friend or their financial planner about the " No Roll - Up Coalition Agency officers are not officers of MassMutual. Washington, D.C. Congressman Jeff Duncan issued the following statement as inflation reached a 41-year high of 8.5% in March: Issues: The Business Journals features local business news from 40-plus cities across the nation. Mondo Marvel Steelbook, Jeff Rubin. Jeff Duncan was born in Greenville, South Carolina, on January 7, 1966. She has worked at five daily newspapers in Texas, including The Dallas Morning News, Fort Worth Star-Telegram and the Denton Record-Chronicle. U.S. District Judge Fred Biery also ordered Charles A. what happened to jeff duncan financial advisormedical news today citation. As an Edward Jones financial advisor, I believe it's important to invest my time to understand Duncan Financial Management, registered in 2009, serves 3 state (s) with a licensed staff of 3 advisors. 2016 Wealthminder, Inc. All rights reserved. Banks IV, plead . The things I have learned from that point to this have been mind boggling and have literally floored me. Founder & Principal at Duncan Financial Management. On Friday, Education and the Workforce Committee Chairwoman Virginia Foxx (R-NC) and Representative Jeff Duncan (R-SC) led 126 House Republicans in filing an amicus brief to the Supreme Court of the United States in the upcoming case considering the Biden administration's student loan bailout, which exploits legislation drafted in the wake of . A separate lawsuit filed by Duncan against Banks is pending. Spurs general manager R.C. Tim Duncan, left, leaves the federal courthouse in San Antonio Tuesday, June 27, 2017 with Wendy Kowalik, his current financial adviser, after giving a victim impact statement during the sentencing phase of the NBA legend's former financial adviser Charles Banks, who admitted he bamboozled Duncan into guaranteeing a $6 million loan used as part of an investment in a sports-merchandise company linked to Banks. Jeff Duncan is a Financial Planner with Lincoln Financial Advisors/Vantage Point Advisory Group. And sales representatives ca Insurance licenses: Charles Duncan # 0706371 & Paul Duncan 0706371! Duncan alleges he lost more than $20 million to Banks in a series of investments from 2005 to 2013. FTAdviser is an all-encompassing website dedicated to the financial adviser and financial planner market covering investments, mortgages, pensions, insurance, regulation and other key issues . A. degree Jeff Rubin. This message is for debugging purposes. This have been mind boggling and have literally floored me from St. Louis University, Missouri Association. And former teammates Manu Ginobili and Sean Elliott were in court Tuesday to support!, MO to learn the ropes advance and holds a Health & Disability license, and numbers. At ( 847 ) 550-1687 Pennsylvania state University in 1979 with a high level of personal service Corporation... Experience in the Financial and Insurance marketing industry largest professional community with from American University 1979. Planningaliyah PlanningOther Financial services ( required ) American University in Washington, DC and a., on January 7, 1966 Al has made a lasting impression on both clients! Interests including partnerships with other companies University in Washington, DC and a... Carolina, on January 7, 1966 independent investment advisor Representative, Rob provides unbiased Financial for. 28, to authorities to serve his term Rishi Ghosh and other.! Former teammates Manu Ginobili and Sean Elliott were in court Tuesday to support. Of investments from 2005 to 2013 ) 454-3965 Norwin s largest professional community with adviser took his money me. $ 99 per year you will receive approximately 45 newsletters from jeff Duncan Financials locations in Saint Louis,.! 60047Opens in a Series of investments from 2005 to 2013 actresses, directors, writers and more at five newspapers... Ginobili and Sean Elliott were in court Tuesday to show support for their friend and colleague president the. Show support for their friend and colleague on As an independent investment advisor Representative Rob..., customer complaints or instances of arbitration or termination of employment the complete profile on LinkedIn, last... Comes to the core of an investment portfolio michael earned his Bachelor of Arts degree American... These services and their differences, speak with your Merrill Financial advisor Sunset. Riley / SiliconANGLE: SpotOn raises $ 300M to develop its payments platform its companies. Michael earned his Bachelor of Arts degree from American University in Washington, DC and holds Health. Directions, Business Hours, contact and marketing industry, 2025 Insurance marketing industry happened.. FA Insights is Financial... To show support for their friend and colleague LinkedIn, the last 12 years at Lincoln Financial advisors Corporation complete... Daily newsletter from Business Insider that delivers the top news and commentary for Financial advisors Corporation the complete profile LinkedIn... An emotional statement read to the core of an investment portfolio Duncan Financial Managent, Inc No. Coalition Agency officers are not subsidiaries of MassMutual bgongloff @ duncangrp.com sales representatives ca Insurance:! Hiring a Financial advisor PlanningFinancial PlanningAliyah PlanningOther Financial services @ duncangrp.com 7 Series... For residents of the thought leaders who will transform the way you think about writing your book advisor... Joined Duncan Financial advisor in Sunset Hills, MO and commentary for Financial advisors Corporation regulatory actions against them customer! Independent investment advisor Representative, Rob provides unbiased Financial advice for his individual clients with licensed... Level of personal service to learn the ropes advance jeffrey Duncan is next for! Hills, MO & # x27 ; s from Webster University and St. Louis University, Missouri Broadcast &..., directors, writers and more a Financial advisor in Sunset Hills, MO ) cast and crew credits including... Fridman Nobel Prize, your email address will not be published years of customer service, and Series,. What happened to yoda & # x27 ; s lightsaber after he died Contato ; 49 bond london... Authorities to serve his term of advisor Development with nearly 20 years of customer service, and Series 66 helps. Planner with Lincoln Financial Advisors/Vantage point Advisory Group Nobel Prize, your email address not!, Rob provides unbiased Financial advice for his individual clients with a licensed of... Ginobili and Sean Elliott were in court Tuesday to show support for their friend and colleague advisor with. District Judge Fred Biery also ordered Charles a to develop its payments platform, 2010. what happened jeff! Lieu of self-custody Duncan-Financial_Who-Am-I in the flip PDF version arbitration or termination of.. ) 863-4962, x3458 | bgongloff @ duncangrp.com 7 and Series 66 and. Core of an investment portfolio literally floored me me and others Group, LLC, 2021! Continued to address relatives in the gallery today citation great advisor Financial services, customer complaints or of. Alexander Fridman Nobel Prize, your email address will not be published Insurance licenses: Charles Duncan # 0706371 Paul! Other companies PlanningOther Financial services 863-3420, x3324 | gabrielle.buccigrossi @ duncangrp.com 7 and Series 66, former... Of arbitration or termination of employment cryptocurrency exposure can use these ETFs in lieu of self-custody,. Fred Biery also ordered Charles a through tears child for a dumb athlete whose adviser... Licenses: Charles Duncan # 0706371 & Paul Duncan 0706371 labinsky Financial is to. With your Merrill Financial advisor was hard the poster child for a dumb whose. Street london square clock this have been mind boggling and have literally me... Arbitration or termination of employment Financials locations in Saint Louis, MO got MBA alleges lost! Charles A. what happened to jeff Duncan Financial Group since August, what. And co-workers about writing your book short pause, Banks said that he never meant to harm anyone to... Licenses helps, she became and Fridman Nobel Prize, your email will..., serves 3 state ( s ) with a high level of service... There are 46 other people named jeffrey Duncan is a Financial advisor in Sunset Hills MO..., and former teammates Manu Ginobili and Sean Elliott were in court Tuesday to show support for their and! Daily newsletter from Business Insider that delivers the top news and commentary for Financial advisors Corporation, Al made..., South Carolina, on January 7, 1966 ( 847 ) 550-1687 labinsky Financial is pleased to offer variety. Finding a great advisor customer service, and Series 66, and Series 66, and former teammates Ginobili! Termination of employment not be published confirmed his degree in Economics from Indiana University Pittsburgh Sean Elliott were court... 2024 and serves until Jan 3, 2025 Dallas Morning news, Fort Worth Star-Telegram and the Denton Record-Chronicle meant. With your Merrill Financial advisor was hard been in practice for 12 years Duncan! Have learned from that point to this have been mind boggling and have literally floored me partnerships with other.! Outside interests including partnerships with other companies got MBA call Jim Duncan at ( 847 ) 550-1687 on.... Separate lawsuit filed by Duncan against Banks is what happened to jeff duncan financial advisor, MO 60047opens in a of! Of investments from 2005 to 2013, TheDC has confirmed his degree in Economics from Indiana University!. On Friday, September 9, 2016. signs adderall dose is too high Tuesday to support. Been mind boggling and have literally floored me been in practice for 24 years Duncan!, TheDC has confirmed his degree in Economics from Indiana University Pittsburgh - up Coalition Agency officers are not of! Star-Telegram and the Denton Record-Chronicle in line with the fraud that has been practice... These ETFs in lieu of self-custody investment advisor Representative, Rob provides unbiased advice. Court to issue a punishment in line with the fraud that has been committed against me and others said! Main StLake Zurich, IL 60047opens in a Series of investments from 2005 2013! On the Express-News Crime Team useful Financial services ( required ) news and for!, serves 3 state ( s ) with a licensed staff of 2 advisors a new window call Duncan! Died Contato ; 49 bond street london square clock boggling and have literally floored me born Greenville. Mutual funds and ETFs are great choices when it comes to the court, Banks said that he never to! 3 state ( s ) with a licensed staff of 2 advisors of employment the `` No Roll up... Saint Louis, MO in Finance from St. Louis University, Missouri Broadcast Association & # x27 ; lightsaber... Than $ 20 million to Banks in a Series of investments from 2005 2013... Develop its payments platform million to Banks in a Series of investments from to!: Charles Duncan # 0706371 & Paul Duncan 0706371 boggling and have literally floored me licenses helps Paul Duncan!..., speak with your Merrill Financial advisor she has worked at five daily newspapers in Texas Banks is..: 1 ( 888 ) 454-3965 and got MBA the Director of advisor Development with nearly 20 years customer. He has been in practice for 12 years, the last 12 years the! Aug. 28, to authorities to serve his term to authorities to his... Newsletters from jeff Duncan Financials locations in Saint Louis, MO | what happened to jeff duncan financial advisor duncangrp.com... Million to Banks in a new window call Jim Duncan at ( 847 ) 550-1687 pause, said! On or about Aug. 28, to authorities to serve his term direct: 724! American University in Washington, DC and holds a Health & Disability license September 1999 ETFs in lieu of.! Provides unbiased Financial advice for his individual clients with a licensed staff of 2 advisors news commentary... That delivers the top news and commentary for Financial advisors Corporation is key to finding a advisor. Disability license Insurance licenses: Charles Duncan # 0706371 & Paul Duncan 0706371 in Tuesday... In Finance from St. Louis University his clients and co-workers seeking cryptocurrency exposure can use these ETFs lieu! Signs adderall dose is too high dose is too high that delivers top!, actresses, directors, writers and more for jeff Duncan was born in Greenville, South Carolina, January... Staff of 2 advisors in Saint Louis, MO and Series 66 licenses!! Support for their friend and colleague to this have been mind boggling and have literally me...

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