Habits
41 - 60 of 500 results-
-
Love Your Life, Not Theirs
- 7 Money Habits for Living the Life You Want
- By: Rachel Cruze
- Narrated by: Rachel Cruze
- Length: 6 hrs and 38 mins
- Unabridged
-
Overall
-
Performance
-
Story
Rachel Cruze shines a spotlight on the most damaging money habit we have: comparing ourselves to others....
-
-
Copy cat book read in a patronizing tone
- By Aubrey on 11-30-16
-
Love Your Life, Not Theirs
- 7 Money Habits for Living the Life You Want
- Narrated by: Rachel Cruze
- Length: 6 hrs and 38 mins
- Release date: 09-21-16
- Language: English
- Rachel Cruze shines a spotlight on the most damaging money habit we have: comparing ourselves to others....
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: $19.49 or 1 credit
Sale price: $19.49 or 1 credit
-
-
-
The Power of Writing It Down
- A Simple Habit to Unlock Your Brain and Reimagine Your Life
- By: Allison Fallon
- Narrated by: Allison Fallon
- Length: 5 hrs and 59 mins
- Unabridged
-
Overall
-
Performance
-
Story
For anyone who's trying to make sense of their life, who wants to get unstuck from the patterns that hold them back, hear this incredible news: everything you need for the freedom you want is entirely within reach....
-
-
Er...
- By Sarah on 01-18-21
-
The Power of Writing It Down
- A Simple Habit to Unlock Your Brain and Reimagine Your Life
- Narrated by: Allison Fallon
- Length: 5 hrs and 59 mins
- Release date: 01-12-21
- Language: English
-
For anyone who's trying to make sense of their life, who wants to get unstuck from the patterns that hold them back, hear this incredible news: everything you need for the freedom you want is entirely within reach....
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: $19.79 or 1 credit
Sale price: $19.79 or 1 credit
-
-
-
Ikigai & Kaizen
- The Japanese Strategy to Achieve Personal Happiness and Professional Success (How to set goals, stop procrastinating, be more productive, build good habits, focus, & thrive)
- By: Anthony Raymond
- Narrated by: KC Wayman
- Length: 5 hrs
- Unabridged
-
Overall
-
Performance
-
Story
Discover the Japanese secret to unlocking your purpose, productivity, and passion in life....
-
-
Interesting perspective to conscious goal setting!
- By A&JSkand512 on 01-14-21
-
Ikigai & Kaizen
- The Japanese Strategy to Achieve Personal Happiness and Professional Success (How to set goals, stop procrastinating, be more productive, build good habits, focus, & thrive)
- Narrated by: KC Wayman
- Length: 5 hrs
- Release date: 02-18-19
- Language: English
-
Discover the Japanese secret to unlocking your purpose, productivity, and passion in life....
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
-
-
-
Hello, Habits
- A Minimalist’s Guide to a Better Life
- By: Fumio Sasaki
- Narrated by: Brian Nishii
- Length: 7 hrs and 16 mins
- Unabridged
-
Overall
-
Performance
-
Story
The internationally best-selling author of Goodbye, Things shares insights and practices to help us embrace habits and become the best versions of ourselves....
-
-
One of the best Habit books
- By moom on 07-04-21
-
Hello, Habits
- A Minimalist’s Guide to a Better Life
- Narrated by: Brian Nishii
- Length: 7 hrs and 16 mins
- Release date: 01-05-21
- Language: English
-
The internationally best-selling author of Goodbye, Things shares insights and practices to help us embrace habits and become the best versions of ourselves....
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: $13.74 or 1 credit
Sale price: $13.74 or 1 credit
Included in Plus membership -
-
-
How Leaders Learn
- Master the Habits of the World's Most Successful People
- By: David Novak, Lari Bishop - contributor
- Narrated by: Chris Abernathy
- Length: 7 hrs and 8 mins
- Unabridged
-
Overall
-
Performance
-
Story
When you put learning at the center of everything you do, you grow your career, your leadership, your relationships, and your joy and fulfillment in life. With infectious enthusiasm and optimism, David Novak shows you how to master active learning.
-
How Leaders Learn
- Master the Habits of the World's Most Successful People
- Narrated by: Chris Abernathy
- Length: 7 hrs and 8 mins
- Release date: 07-23-24
- Language: English
-
When you put learning at the center of everything you do, you grow your career, your leadership, your relationships, and your joy and fulfillment in life. With infectious enthusiasm and optimism, David Novak shows you how to master active learning.
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
-
-
-
Do the Hard Things First
- How to Win Over Procrastination and Master the Habit of Doing Difficult Work (Bulletproof Mindset Mastery Series)
- By: Scott Allan
- Narrated by: Joe Hempel
- Length: 5 hrs and 11 mins
- Unabridged
-
Overall
-
Performance
-
Story
Best-selling author and personal development trainer, Scott Allan, wants you to defeat procrastination, eliminate negative self-talk, and overcome lazy tendencies to delay hard work. In this hands-on, practical guide, you'll learn Scott's step-by-step method to destroy bad habits....
-
-
I feel attacked! lol
- By Alexis B on 03-24-22
-
Do the Hard Things First
- How to Win Over Procrastination and Master the Habit of Doing Difficult Work (Bulletproof Mindset Mastery Series)
- Narrated by: Joe Hempel
- Series: Do the Hard Things First Series, Book 1
- Length: 5 hrs and 11 mins
- Release date: 06-28-21
- Language: English
-
Best-selling author and personal development trainer, Scott Allan, wants you to defeat procrastination, eliminate negative self-talk, and overcome lazy tendencies to delay hard work. In this hands-on, practical guide, you'll learn Scott's step-by-step method to destroy bad habits....
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: $14.27 or 1 credit
Sale price: $14.27 or 1 credit
-
-
-
The 5AM Club
- Own Your Morning. Elevate Your Life.
- By: Robin Sharma
- Narrated by: Adam Verner
- Length: 11 hrs and 4 mins
- Unabridged
-
Overall
-
Performance
-
Story
Now, in this life-changing guide, handcrafted by the author over a rigorous four-year period, you will discover the early-rising habit that has helped so many accomplish epic results while upgrading their happiness, helpfulness, and feelings of aliveness....
-
-
An absolute waste of time!!
- By Sheldon Baranec on 01-22-19
-
The 5AM Club
- Own Your Morning. Elevate Your Life.
- Narrated by: Adam Verner
- Length: 11 hrs and 4 mins
- Release date: 12-04-18
- Language: English
-
Now, in this life-changing guide, handcrafted by the author over a rigorous four-year period, you will discover the early-rising habit that has helped so many accomplish epic results while upgrading their happiness, helpfulness, and feelings of aliveness....
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: $24.29 or 1 credit
Sale price: $24.29 or 1 credit
-
-
-
Simple Self-Discipline Box Set (6-Book Bundle)
- By: Martin Meadows
- Narrated by: John Gagnepain
- Length: 24 hrs and 52 mins
- Unabridged
-
Overall
-
Performance
-
Story
Get six best-selling books about self-discipline for a greatly reduced price - over 24 hours of practical advice....
-
-
Epic Productivity Boost!
- By Ian P. on 09-27-19
-
Simple Self-Discipline Box Set (6-Book Bundle)
- Narrated by: John Gagnepain
- Length: 24 hrs and 52 mins
- Release date: 09-09-19
- Language: English
-
Get six best-selling books about self-discipline for a greatly reduced price - over 24 hours of practical advice....
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: $29.95 or 1 credit
Sale price: $29.95 or 1 credit
-
-
-
Habits of a Happy Brain
- Retrain Your Brain to Boost Your Serotonin, Dopamine, Oxytocin, & Endorphin Levels
- By: Loretta Graziano Breuning PhD
- Narrated by: Amanda Carlin
- Length: 6 hrs and 54 mins
- Unabridged
-
Overall
-
Performance
-
Story
Habits of a Happy Brain shows you how to retrain your brain to turn on the chemicals that make you happy....
-
-
Could not make it through
- By Amazon Customer on 03-19-18
-
Habits of a Happy Brain
- Retrain Your Brain to Boost Your Serotonin, Dopamine, Oxytocin, & Endorphin Levels
- Narrated by: Amanda Carlin
- Length: 6 hrs and 54 mins
- Release date: 12-05-17
- Language: English
- Habits of a Happy Brain shows you how to retrain your brain to turn on the chemicals that make you happy....
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: $14.99 or 1 credit
Sale price: $14.99 or 1 credit
-
-
-
The 7 Habits of Highly Effective People & The 8th Habit (Special 3-Hour Abridgement)
- By: Stephen R. Covey
- Narrated by: Stephen R. Covey
- Length: 2 hrs and 25 mins
- Abridged
-
Overall
-
Performance
-
Story
This new audio set is a special abridgement of two best-selling business books, The 7 Habits of Highly Effective People and The 8th Habit, read by Dr. Covey himself....
-
-
Get the FULL version of 7 Habits
- By Richard Eppenbaugh on 03-01-15
-
The 7 Habits of Highly Effective People & The 8th Habit (Special 3-Hour Abridgement)
- Narrated by: Stephen R. Covey
- Length: 2 hrs and 25 mins
- Release date: 05-22-12
- Language: English
-
This new audio set is a special abridgement of two best-selling business books, The 7 Habits of Highly Effective People and The 8th Habit, read by Dr. Covey himself....
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: $11.24 or 1 credit
Sale price: $11.24 or 1 credit
-
-
-
Change Your Brain Every Day
- Simple Daily Practices to Strengthen Your Mind, Memory, Moods, Focus, Energy, Habits, and Relationships
- By: Daniel Amen
- Narrated by: Jim Frangione
- Length: 15 hrs and 8 mins
- Unabridged
-
Overall
-
Performance
-
Story
366 Days to a Better Brain, Mind, and Life....
-
-
Repetitive
- By Gary on 04-13-23
-
Change Your Brain Every Day
- Simple Daily Practices to Strengthen Your Mind, Memory, Moods, Focus, Energy, Habits, and Relationships
- Narrated by: Jim Frangione
- Length: 15 hrs and 8 mins
- Release date: 03-21-23
- Language: English
-
366 Days to a Better Brain, Mind, and Life....
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 againSale price: $7.99 (62% off) or 1 credit
Regular price: $21.49
Sale ends inSale has ended -
-
-
The Power of Self-Coaching
- The Five Essential Steps to Creating the Life You Want
- By: Joseph J. Luciani Ph.D.
- Narrated by: Joseph J. Luciani Ph.D.
- Length: 4 hrs and 30 mins
- Abridged
-
Overall
-
Performance
-
Story
Nobody is born insecure, angry, bored, or depressed....
-
-
Wonderful-Wonderful-Wonderful.....
- By Pat Mac on 08-19-04
-
The Power of Self-Coaching
- The Five Essential Steps to Creating the Life You Want
- Narrated by: Joseph J. Luciani Ph.D.
- Length: 4 hrs and 30 mins
- Release date: 08-12-04
- Language: English
- Nobody is born insecure, angry, bored, or depressed....
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
Included in Plus membership -
-
-
Mindful Relationship Habits
- 25 Practices for Couples to Enhance Intimacy, Nurture Closeness, and Grow a Deeper Connection
- By: Barrie Davenport, S.J. Scott
- Narrated by: Amy Barron Smolinski
- Length: 6 hrs and 7 mins
- Unabridged
-
Overall
-
Performance
-
Story
Feel disconnected from your spouse or partner? Struggle to keep your relationship fresh? Worried that everything will end in heartbreak? Find out more....
-
-
Middle School Etiquette
- By Amazon Customer on 10-16-19
-
Mindful Relationship Habits
- 25 Practices for Couples to Enhance Intimacy, Nurture Closeness, and Grow a Deeper Connection
- Narrated by: Amy Barron Smolinski
- Length: 6 hrs and 7 mins
- Release date: 02-28-18
- Language: English
-
Feel disconnected from your spouse or partner? Struggle to keep your relationship fresh? Worried that everything will end in heartbreak? Find out more....
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: $19.95 or 1 credit
Sale price: $19.95 or 1 credit
-
-
-
5 Things Successful People Do Before 8 A.M.
- By: Terri Savelle Foy
- Narrated by: Terri Savelle Foy
- Length: 6 hrs and 52 mins
- Unabridged
-
Overall
-
Performance
-
Story
In 5 Things Successful People Do Before 8 a.m. you will get the insights, encouragement, and practical steps needed to create a powerful, life-changing daily routine....
-
-
Get on track!
- By Kenisha Lawrence on 04-29-24
-
5 Things Successful People Do Before 8 A.M.
- Narrated by: Terri Savelle Foy
- Length: 6 hrs and 52 mins
- Release date: 05-17-23
- Language: English
-
In 5 Things Successful People Do Before 8 a.m. you will get the insights, encouragement, and practical steps needed to create a powerful, life-changing daily routine....
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: $19.95 or 1 credit
Sale price: $19.95 or 1 credit
-
-
-
Excuses Begone!
- How to Change Lifelong, Self-Defeating Thinking Habits
- By: Dr. Wayne W. Dyer
- Narrated by: Dr. Wayne W. Dyer
- Length: 7 hrs and 30 mins
- Unabridged
-
Overall
-
Performance
-
Story
Within the tracks of this transformational audio download set, Dr. Wayne W. Dyer reveals how to change the self-defeating thinking patterns that have prevented you from living at the highest levels of success, happiness, and health.
-
-
Audobook begone!
- By Martin on 02-01-10
-
Excuses Begone!
- How to Change Lifelong, Self-Defeating Thinking Habits
- Narrated by: Dr. Wayne W. Dyer
- Length: 7 hrs and 30 mins
- Release date: 06-24-09
- Language: English
-
Within the tracks of this transformational audio download set, Dr. Wayne W. Dyer reveals how to change the self-defeating thinking patterns that have prevented you from living at the highest levels of success, happiness, and health.
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: $15.75 or 1 credit
Sale price: $15.75 or 1 credit
-
-
-
How to Build Self-Discipline to Exercise
- Practical Techniques and Strategies to Develop a Lifetime Habit of Exercise
- By: Martin Meadows
- Narrated by: John Gagnepain
- Length: 2 hrs and 43 mins
- Unabridged
-
Overall
-
Performance
-
Story
How to Build Self-Discipline to Exercise is a practical guidebook on how to introduce exercise into your life and keep it there....
-
-
Waste of time and money
- By CaliDiva on 01-12-17
-
How to Build Self-Discipline to Exercise
- Practical Techniques and Strategies to Develop a Lifetime Habit of Exercise
- Narrated by: John Gagnepain
- Length: 2 hrs and 43 mins
- Release date: 02-23-16
- Language: English
- How to Build Self-Discipline to Exercise is a practical guidebook on how to introduce exercise into your life and keep it there....
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 7 Habits on the Go
- Timeless Wisdom for a Rapidly Changing World
- By: Sean Covey, Stephen R. Covey
- Narrated by: Graham Rowat
- Length: 1 hr and 12 mins
- Unabridged
-
Overall
-
Performance
-
Story
The world is changing dramatically, and it's easy to be alarmed and lose focus of what matters most. Don't fall into that trap! Build leadership skills, boost productivity, and learn and apply the time-tested principles of The 7 Habits of Highly Effective People....
-
-
If you want the bullet points
- By Aguantame on 10-21-23
-
The 7 Habits on the Go
- Timeless Wisdom for a Rapidly Changing World
- Narrated by: Graham Rowat
- Length: 1 hr and 12 mins
- Release date: 11-10-20
- Language: English
-
The world is changing dramatically, and it's easy to be alarmed and lose focus of what matters most. Don't fall into that trap! Build leadership skills, boost productivity, and learn and apply the time-tested principles of The 7 Habits of Highly Effective People....
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: $7.73 or 1 credit
Sale price: $7.73 or 1 credit
Included in Plus membership -
-
-
30 Days - Change Your Habits, Change Your Life
- A Couple of Simple Steps Every Day to Create the Life You Want
- By: Marc Reklau
- Narrated by: Derek Doepker
- Length: 4 hrs and 12 mins
- Unabridged
-
Overall
-
Performance
-
Story
In this simple, fast-paced audiobook, you will be learning what it takes to create the life you want....
-
-
Eh....
- By Andrea on 03-27-17
-
30 Days - Change Your Habits, Change Your Life
- A Couple of Simple Steps Every Day to Create the Life You Want
- Narrated by: Derek Doepker
- Length: 4 hrs and 12 mins
- Release date: 01-15-17
- Language: English
- In this simple, fast-paced audiobook, you will be learning what it takes to create the life you want....
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: $11.17 or 1 credit
Sale price: $11.17 or 1 credit
Included in Plus membership -
-
-
Making Good Habits, Breaking Bad Habits
- 14 New Behaviors That Will Energize Your Life
- By: Joyce Meyer
- Narrated by: Sandra McCollom
- Length: 5 hrs and 6 mins
- Unabridged
-
Overall
-
Performance
-
Story
From nail biting to cell phone addiction, procrastination to overspending, bad habits seem to outnumber the good ones....
-
-
Couldn't get past the accent and "reading" voice
- By Margaret on 04-10-13
-
Making Good Habits, Breaking Bad Habits
- 14 New Behaviors That Will Energize Your Life
- Narrated by: Sandra McCollom
- Length: 5 hrs and 6 mins
- Release date: 04-02-13
- Language: English
- From nail biting to cell phone addiction, procrastination to overspending, bad habits seem to outnumber the good ones....
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: $14.81 or 1 credit
Sale price: $14.81 or 1 credit
-
-
-
H3 Leadership
- Stay Hungry. Be Humble. Always Hustle.
- By: Brad Lomenick
- Narrated by: Stu Gray
- Length: 6 hrs and 9 mins
- Unabridged
-
Overall
-
Performance
-
Story
Be humble. Stay hungry. Always hustle. These powerful words describe the leader who is willing to work hard, get it done, and make sure it’s not about him or her; the leader who knows that influence is about developing the right habits for success....
-
-
A lot of Faith referenced
- By Adam Wilkinson on 05-02-19
-
H3 Leadership
- Stay Hungry. Be Humble. Always Hustle.
- Narrated by: Stu Gray
- Length: 6 hrs and 9 mins
- Release date: 09-22-15
- Language: English
-
Be humble. Stay hungry. Always hustle. These powerful words describe the leader who is willing to work hard, get it done, and make sure it’s not about him or her; the leader who knows that influence is about developing the right habits for success....
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: $19.79 or 1 credit
Sale price: $19.79 or 1 credit
-