Terms & Conditions
Med School Insiders Terms and Conditions
Med School Insiders LLC is an academic consulting and tutoring limited liability company that provides resources for premedical and medical students seeking a career in medicine and healthcare. These Terms and Conditions (“Terms, “Terms and Conditions”) govern your relationship with the https://medschoolinsiders.com website (“Website”), Med School Insiders LLC (“Med School Insiders”, “us”, “we”, “our”), and our products, Services (defined below), and Courses (defined below).
Please read these Terms and Conditions carefully before using our Website, engaging in our products, Services, and Courses, or any form of transaction with us. Your access to and use of the Website, our products, Services, and Courses, or any form of transaction is based on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, businesses, and others who access or use this Website, our products, Services, or Courses, or form any type of relationship or transaction with us.
These legally binding Terms apply to our Websites and our Medical School & Residency Admissions Consulting Services listed here [https://medschoolinsiders.com/services/] (“Services”) and our courses for pre-med and medical students listed here [https://medschoolinsiders.com/courses/] (“Courses”). By using our Websites, Services and Courses, you hereby acknowledge and accept these Terms. If you do not agree to these Terms, you should not use the Website, Services, or Courses. We reserve all rights not expressly granted to you in these Terms.
Our goals and Services, Courses, and other products put forth our best efforts to maximize your odds of achieving your academic and professional goals. While our Services, Courses, and other products are provided with the intention to enhance customers’ chances of success, it is important to note that all decisions regarding grades, applications, interviews, and other academic or professional matters are handled by external parties, to which Med School Insiders has no affiliation. Our Services and Courses are provided to assist customers with a variety of aspects of their admissions processes and medical careers, however we do not in any capacity complete customers’ applications on their behalf, write letters of recommendation, personal statements, autobiographical sketches, CVs, resumes, guarantee course grades, test scores, admissions decisions, or any other personal or professional outcome.
Med School Insiders is not affiliated with, nor does Med School Insiders endorse, any of the organizations or companies referenced or mentioned on our Websites, Services, or Courses, including but not limited to universities, colleges, residency programs, medical schools, official test administrators, or any other external websites, unless otherwise explicitly stated.
Our Services and Courses are provided remotely via phone, email, video call, or other online media. If in-person consultation is desired, the customer assumes all responsibility for travel expenses, responsibility, and any possible and related damages, including but not limited to any injuries or financial loss arising from travel to or participation in such in-person sessions. Med School Insiders hereby disclaims any and all responsibility for such damages. Services are valid for only one application cycle.
User Agreement
These legally binding Terms and Conditions, as may be revised, amended, and updated from time to time at our sole discretion, apply to our Website, products, and Services or Courses. All changes are effective immediately when posted, and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised Terms and Conditions means that you accept and agree to the changes. You are expected to check this page from time to time so that you are aware of any changes, as they are binding on you.
Restrictions of Use
In order to use Med School Insiders Services, Courses, or other products, you must:
1. Be 13 years of age or older
2. Have the power to enter binding agreement(s) with Med School Insiders, without restrictions by applicable laws.
You may not access our Websites or Services, Courses, or other products or use the information contained in our Websites or Services, Courses, or other products for any illegal purpose or in any manner inconsistent with these Terms. Your use of our Websites and services must not alter the original content of our Websites or Services, Courses, or other products. You agree not to access our Websites or Services, Courses, or other products or use the information contained herein for resale or other transfer or disposition to, or use by or for the benefit of, any other person or entity. You agree not to use, transfer, distribute, or dispose of any information contained in our Websites or Services, Courses, or other products in any manner that could compete with our business.
You are not permitted to decompose, decompile, reverse engineer, disassemble, or otherwise deconstruct all or any portion of our Websites. You may not publish, broadcast, retransmit, reproduce, repackage, commercially exploit, create any derivative of, or otherwise redistribute all or any portion of our Websites or Services, Courses, or other products except as explicitly permitted in these Terms.
You agree not to use or attempt to use the Website, Services, Courses, or engage with any of the contractors, employees, affiliates, or subsidiaries in any unlawful manner or a manner harmful to Med School Insiders. You agree not to access our Services or Courses through any means other than those listed in this agreement and via our Website as outlined by the directions provided to you by Med School Insiders.
License
In exchange and subject to your payment of the appropriate subscription cost or purchase price of our Services, Courses, or other products and your agreement with the Terms set forth herein, Med School Insiders grants you a non-exclusive and non-transferable license to use and access Med School Insiders content (the “Licensed Materials”) from multiple devices or locations. You are not allowed to access the Med School Insiders content from multiple devices or locations concurrently. Access of Med School Insiders Licensed Materials concurrently constitutes account sharing, and appropriate action will be taken as defined below in this agreement.
You are not allowed to assign, share, lease, or otherwise transfer your right to use Licensed Materials. Med School Insiders accounts are monitored for multiple concurrent login attempts. In the event that we, at our sole discretion, believe that an account is being used by multiple different users, we reserve the right to terminate the account without notice or refund.
Subscription Term
You have the right to access the Licensed Materials for which you have purchased a subscription or access, for the duration of said subscription or access period. Content and materials are provided on an “as is” basis, but these pages may change during the course of a subscription or access period, subject to updates, or changes at our sole discretion.
Your subscription or access cannot be suspended and reactivated at a later date. you must use the material within the period of your subscription, and no extensions or refunds are offered in exchange for unused time.
Upon the termination of your subscription or access period, your right to use and access the Licensed Materials will expire automatically. Renewals may be offered for purchase as a continuation to the current subscription, but not for later use at a future date after the current term has expired. For extensions to be successful, they must be executed prior to the subscription period’s expiration date.
Med School Insiders may add charge fees or applicable taxes on Services, as required by law, which you agree to pay. This will be prominently displayed in the checkout page, and the total charge including taxes and fees shall be presented to you prior to checkout. Your processing of the order constitutes acceptance and creates an obligation to pay the price, fees, and taxes described in the order checkout pages.
User Account/Password and Security
To use Med School Insiders and our Services, Courses, or other products, you must complete our registration process, requiring complete, accurate, and current information as requested.
You are responsible for the accuracy of the data provided and are responsible for generating and maintaining the security of your password and account.
You agree to notify Med School Insiders immediately if there are suspicions of unauthorized use of your account or any other breach. We are not liable for losses that may be incurred as a result of unauthorized account usage.
Access from Outside the United States
Med School Insiders is designed and directed to people residing in the United States. We do not represent availability or appropriateness in other locations. We may limit the availability of the Website or our Services, Courses, or other products to any person or geographic area at any time. If you choose to access the Website from outside the United States, you do so at your own risk.
Reasonable Use
Med School Insiders and our Services, Courses, or other products are intended for individual use. The Services, Courses, or other products are designed to facilitate learning and performance of the specified test, or improve the outcomes of the designated application process (hereafter referred to as “normal” product usage).
Usage of Med School Insiders Services, Courses, or other products which does not fall under reasonable or normal product usage may result in action taken against the account, at Med School Insiders’ sole discretion.
Violation of These Terms
In the event the terms of this agreement are breached, Med School Insiders may, at its sole discretion, terminate this agreement, your access to the Websites, and any Services, Courses, or other products to you without refund. Med School Insiders reserves the right to pursue any remediation by law for such violations, and we may provide law enforcement with information you provide to us related to your transactions to assist in any investigation or prosecution of you. We may take legal action that we feel is appropriate. You agree that monetary damages may not provide us a sufficient remedy and that we may pursue injunctive or other relief for your violation of these Terms.
Med School Insiders reserves the right to take any appropriate measure to protect its legitimate interests by denying or restricting access to the Website, Services, Courses, terminating contracts, and/or reporting misconduct to the appropriate authorities, whenever the Users engage or suspected to engage in any of the following: violation of laws, regulations, and/or these Terms; infringe any third-party rights; impair Med School Insiders’ legitimate interests; offend or defame Med School Insiders or any third party.
Ownership
All licensed materials on the Website, including all intellectual property rights, are the exclusive property of Med School Insiders. In accepting these Terms, you do not become the owner of the licensed materials, but are entitled to use them according to these Terms.
Disclaimer of Warranties
We provide the Website and Services, Courses, or other products to you “as is”. We try to keep the Websites available, safe, and bug-free, but you use it at your own risk. To the fullest extent permissible by law, we disclaim all warranties, express or implied, including any warranty of title, non-infringement, accuracy, fitness for any particular purpose, or warranties that may arise from course of dealing or performance or usage of trade. We cannot and do not guarantee that the Websites will remain safe, secure, or error-free. We cannot and do not guarantee that the Websites will be without disruptions, delays, or imperfections. We do not guarantee the quality or standard of any of the content, including any blog posts, content on the Websites, or in our newsletters and social media. We are not responsible for the actions or information of third parties, and you release us from any claims and damages, known and unknown, arising out of or connected in any way with such third parties. IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE §1542, WHICH SAYS: A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.
Severability
If any provision of these Terms is held by a court of competent jurisdiction to be contrary to law, the remaining provisions of these Terms will remain in full force and effect. Without limiting the generality of the preceding sentence, if any remedy set forth in these Terms is determined to have failed of its essential purpose, then all other provisions of these Terms, including the limitation of liability and exclusion of damages shall remain in full force and effect.
Force Majeure
We will not be deemed to be in breach of these Terms or liable for any breach of these Terms or our Privacy Policy due to any event or occurrence beyond our reasonable control, including without limitation, acts of God, terrorism, war, invasion, failures of any public networks, electrical shortages, earthquakes or floods, civil disorder, strikes, fire, pandemics or epidemics (whether or not already active at the time you accept these Terms), act of government (including but not limited to “shelter in place,” “travel ban,” “quarantine” or “shutdown” orders, whether or not already active at the time you accept these Terms) or other disaster.
No Waiver
The failure of Med School Insiders to insist upon strict enforcement of any provision of these Terms shall not be construed as a waiver of any provision or right.
Linked Internet Sites
Med School Insiders is not responsible for the content, behavior, and risk associated with other internet websites linked from our Websites or Services, Courses, or other products. You may access other Internet sites linked at your own risk.
Entire Agreement
These Terms, including any documents incorporated into these Terms by reference, constitute the entire agreement between you and Med School Insiders regarding the subject matter of these Terms and supersede all prior agreements and understandings, whether written or oral, or whether established by custom, practice, policy or precedent, with respect to the subject matter of the Terms. If you are an Insider performing the Services or Courses under a separate agreement with Med School Insiders, that agreement shall remain in effect under the provisions therein, except to the extent provisions of these Terms and that agreement conflict, the provisions of these Terms will control.
Advisor Scheduling and Availability
Third party advisors and tutors perform the Services under agreement with Med School Insiders (collectively “Insiders”) and have complete discretion in selecting the dates and times during which they perform the Services. Timelines listed on product or service pages are a guideline but not a guarantee. Customers will be responded to within 192 hours of established contact. Typical edit turnaround is to be expected at 72 hours, however Med School Insiders reserves the right to delay the receipt of Services up to the 192 hour window. Phone-call and online video consultations and discussions must be scheduled at least 2 business days in advance. Mock interviews are to be scheduled with at least 96 hours advanced notice. Expedited service is offered with a rush fee option.
Cancellations
To avoid fees and forfeiture of Services, 2 business days advance notice is required from customers for any rescheduling or cancellation. If a cancellation or rescheduling is desired after the 2 business days time window, customer may be charged a fee or may be required to forfeit the service which was scheduled.
Application and Essay Editing Services
Med School Insiders will not write or complete customers’ essays or applications in any capacity. Med School Insiders will provide assistance and feedback in the process through editing and revising. The customer certifies that all written passages, such as the personal statement and descriptions of work/activities, are their own and have not been written, in part or in whole, by a third party.
All editing packages, whether 1 edit, 3 edit, unlimited edits, or any other number of edits, are designed for a single essay type. A single editing package cannot be used to edit multiple different pieces of writing. For example, a 3-edit personal statement package provided 3 edits on a single personal statement, rather than 2 edits of a single personal statement and 1 edit of a separate personal statement.
Application Editing packages, whether for AMCAS, AACOMAS, TMDSAS, ERAS, or SFMATCH, only apply to the general application components, excluding the personal statement, which can be purchased as a separate service. School-specific or program-specific questions, whether received before or after submitting the primary application, are considered secondary application questions, and would fall under Secondary Application Editing services.
Confidentiality and Privacy
Confidential information of the customer, including customers’ name, email, contact information, school or college attended, grades, test scores, or background information will not be released beyond our team or to certain of our service providers, including but not limited to the Insiders who perform the Services or Courses and the payment processors, without the consent of the customer. By using the Services, you hereby acknowledge and agree to our Privacy Policy, available at [https://medschoolinsiders.com/privacy-policy/]. However, Med School Insiders cannot guarantee the security of all electronic communications via the internet. In the event of compromised or breach in security, Med School Insiders will not be held responsible for any damages or liability.
Termination of Services
Either party may terminate the agreement for services through written notice provided to the other party.
Service Timeline
Services must be used in the admissions cycle for which they are intended. Services may be used up to 1 year from purchase date. Any unused Services beyond 1 year from purchase will be forfeited without refund or credit.
Refund Policy
At Med School Insiders, it is our goal to provide exceptional service and a premium experience. If we have not met your expectations, you may initiate a refund under the following guidelines:
Services
- Refunds for unused services may be initiated within 30 days of purchasing a service, less any applicable fees (below). After 30 days and within 1 year, refunds cannot be issued, but may be processed as Med School Insiders Credits as defined below.
- Refunds cannot be issued for partially or fully rendered services.
- Approved refunds are only for unused services, at the discretion of Med School Insiders and are subject to: (1) a 5% administrative and processing fee of the total purchase price to cover the cost of credit card processing fees and returned payments, and (2) deduction of used services. For advising, hours are deducted at $400/hr. For tutoring, hours are deducted at the hourly rate of the lowest package tier. And (3), deductions of any resource fees or subscriptions that were included in the service package.
- Cancellation of services after 30 days of purchase will be processed as Med School Insiders Credits. Credits can be used toward any Med School Insiders products for 2 years from the initial service purchase date. Med School Insiders Credits are eligible to transfer to friends or family. Credits can be redeemed one time only.
- Students who are currently waitlisted for medical school and who purchase an admissions consulting service for the subsequent medical school application cycle are subject to an extended refund window of 120 days from the date of purchase, if the student is accepted off the waitlist (proof of acceptance required). Additional policies, as outlined above, still apply to the unused services refund.
Courses
- Course refund window is listed on each course sales page. Courses are not subject to refund or Med School Insiders Credit after their return window.
- Refunds are only valid on the first enrollment in the course. Repurchases are final and not eligible for refund.
- Refunds are only valid if less than 20% of the course content has been completed.
- Med School Insiders MCAT Course is eligible for refund within 10 days of purchase, less any tutoring expenses, as outlined above, and supplemental material expenses, fees, or subscriptions that will be deducted from the refunded or credited amount.
- Course extensions are not eligible for refund.
Non-Transferability
Services cannot be transferred, exchanged, or assigned by the customer to any other individual.
No Guarantee
While Med School Insiders aims to provide effective advising, editing, and tutoring Services, Med School Insiders does not guarantee any specific outcome. The Services provided by Med School Insiders do not guarantee any improved chances of admission to medical school, residency, or other personal or professional success.
Customer Responsibility
The customer is solely responsible for his/her application and professional success in its entirety. This responsibility includes submission, deadlines, criteria, and other factors relating to medical school admissions, residency program admissions, test scheduling and accommodations, research endeavors, and other factors. Med School Insiders does not take responsibility for missed deadlines, incorrect or invalid information, or any direct or indirect possible or perceived detrimental effect to customers’ personal or professional pursuits.
Comprehensive Admissions Packages
Packages are valid for use during the immediate application cycle, and not multiple application cycles. Students may purchase a package at any time, but use of said package is valid earliest from 9 months prior to the earliest submissions date of the application type, and lasts through the end of said application cycle. Partial usage of a package prior to or during one application cycle may subject customer to forfeiture of remaining services.
Diamond Package Promise of Acceptance
For customers that purchase the Comprehensive Diamond Package (Medical School) and meet Qualification Criteria (below), Med School Insiders will provide admissions-related services through the primary application during the following application cycle if the customer fails to secure admission to a medical school.
Qualification Criteria: The Promise of Acceptance only applies if 1) customer meets minimum GPA and MCAT requirements (below), 2) fails to be accepted to medical school during the paid-for application cycle, and 3) the customer adhered to the instructions and advice from Med School Insiders or their assigned Insider(s). In the instance that a customer meets eligibility criteria, he/she will receive 3 hours of advising, personal statement editing (3 edits), and application editing (3 edits) for the next application cycle. No interview preparation or secondary application editing will be provided during the subsequent application cycle.
Minimum GPA and MCAT requirements:
Applying to MD schools only: science GPA (sGPA) >3.4, MCAT >502
Applying to MD and DO schools: sGPA >3.2, MCAT >500
U.S. students & applicants only. International and foreign students are not eligible.
White Coat Concierge Medical School Acceptance Continuation Guarantee
If Client completes an application cycle under the White Coat Concierge program and does not receive an acceptance to medical school, Med School Insiders will continue to provide advising and application support at no additional cost until Client gains acceptance, provided Client remains actively engaged and compliant with all program requirements and expectations.
This continuation guarantee:
- Is a continuation-of-service commitment, not a guarantee of admission.
- Does not promise acceptance to any medical school, specific program, or within any particular timeframe.
- Does not constitute a refund of fees paid.
- Is contingent upon Client’s ongoing participation, responsiveness, and adherence to advising guidance and program policies.
No Guarantee of Admission
Client acknowledges that:
- Medical School admissions decisions are made solely by medical schools.
- Med School Insiders does not guarantee admission to medical school, any specific school, or any particular outcome.
- Admissions outcomes depend on Client performance, engagement, execution, and factors outside Med School Insiders’ control.
Third Party Trademark Disclosures
MCAT is a registered trademark of the Association of American Medical Colleges (AAMC), which does not endorse Med School Insiders or its methodology. Med School Insiders is not endorsed by or affiliated with the National Board of Medical Examiners (NBME) or Federal State Medical Boards. “USMLE” is a trademark of the NBME and is used pursuant to the Fair Use Doctrine.
Additional Disclosures
This website contains links and references to products and Services or Courses that may include affiliates, sponsorships, or other business relationships in which Med School Insiders may receive compensation from referrals or sales actions. Med School Insiders is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Med School Insiders is a participant in the Rakuten Marketing Affiliate Network, an affiliate advertising program that may compensate Med School Insiders for the promotion and advertising of various products or Services or Courses.
Choice of Law
The laws of Nevada, U.S.A., excluding Nevada’s conflict of laws rules, will apply to any disputes arising out of or relating to these Terms.
SMS/Text Messaging Terms
Med School Insiders offers SMS/text messaging notifications to users who opt in through our website contact forms or by initiating a text conversation with us.
Program Description. Our SMS notifications are designed to provide consultation scheduling confirmations, service updates, appointment reminders, follow-up communications, and other informational messages related to Med School Insiders services.
Opt-In and Consent. By providing your phone number and checking the SMS consent box on our contact forms, you confirm that you are the owner or authorized user of the phone number provided. You consent to receive recurring automated text messages (SMS, MMS) from Med School Insiders regarding your inquiry, scheduled consultations, service updates, and other important notifications. Consent is not a condition of purchase.
Message Frequency. Message frequency varies based on your interaction with our services. You can generally expect to receive between 1–5 messages per month.
Message and Data Rates. Standard message and data rates may apply. Please consult your mobile service provider for details regarding your text plan or data usage.
Opt-Out Instructions. You may opt out at any time by replying STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to any SMS message from us. After you opt out, you will receive a final confirmation message, and no further messages will be sent to your number unless you re-enroll.
Help and Support. If you need assistance with our SMS notifications, you can:
– Reply HELP to any message
– Email us at [email protected]
Privacy and Data Security. We do not sell, rent, or share your mobile phone number or SMS opt-in data with third parties for marketing or promotional purposes. All categories of data sharing described elsewhere in these Terms and our
Privacy Policy exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. We may share your information with service providers (such as SMS platform providers) solely for the purpose of delivering text messages on our behalf.
Carrier Liability Disclaimer. Carriers are not liable for any delayed or undelivered messages.
Participation Requirements. To participate in our SMS service, you must be 18 years of age or older, own a wireless device capable of two-way messaging, and subscribe to a wireless service with text messaging capabilities. Not all mobile carriers are supported.
For more information, please review our full Privacy Policy.
Notice of Copyright Infringement
If you believe that any content on our Websites infringe on any copyright which you own or control, or that any link on the Websites directs users to another website that contains material that infringes on any copyright which you own or control, you may file a notification of such infringement with us as set forth below. In accordance with the Digital Millennium Copyright Act (“DMCA”), we will respond promptly to notices of alleged infringement that are reported to Med School Insiders. Notifications should include the following information:
- A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
- Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of such works.
- Identification of the material that is claimed to be infringing or to be the subject of infringing activities and that is to be removed or access to which is to be disabled, and information sufficient to permit us to locate the material.
- Contact information for the notifying party, including name, address, telephone number, and email address.
- A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
- A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
- Please submit this notice to Med School Insiders at [email protected].
Additional Terms
I agree to the following: In purchasing Med School Insiders Services, Courses or other products, I release Med School Insiders and its associated contractors, managers, consultants, employees, and affiliated entities (“Representatives”) from liability and waive my right to sue Med School Insiders or its representatives from any and all claims. Med School Insiders does not guarantee that (1) its Websites, Services, Courses or other products will be uninterrupted or error free, (2) defects or errors in the Websites, Services, Courses or other products will be corrected, (3) the Websites, Services, Courses or other products will be free from harmful components, (4) any information provided in the Websites, Services, Courses or other products will be accurate. Med School Insiders and its Representatives assume no responsibility for the timeliness, deletion, or failure in communications made through the Med School Insiders Websites, Services, Courses or other products. I hereby indemnify and hold Med School Insiders harmless from all claims, liabilities, damages, and expenses arising out of or related to customer’s use of the Websites, Services, Courses or other products. To the extent available under applicable laws, Med School Insiders will be entitled to recover its court costs and reasonable legal costs incurred in successfully proving any breach of any term of this these Terms.
Med School Insiders reserves the right at any time and from time to time to modify or discontinue any Website, Service, Course or other product without prior notice. Med School Insiders reserves the right to suspend or terminate any customer’s use of the Websites, Services, Courses or other product, for any reason or for no reason.
All Services, Courses and other products require full payment prior to any Services, Courses, or products being rendered, or provided to customer. Services, Courses and other products are non-transferrable. Advice, content, and materials are the intellectual property of Med School Insiders.
Non-Disparagement
Customer and customer’s representatives agree to take no action which is intended, or would reasonably be expected, to harm Med School Insiders or its reputation or lead to unfavorable publicity to Med School Insiders.
Non-Solicitation and Circumvention
Customers agree not to solicit, hire, contract with, or otherwise engage any current or former Med School Insiders advisor, tutor, contractor, or employee (each, an “Insider”) for services that are the same as or substantially similar to those offered by Med School Insiders, except through official Med School Insiders channels. This restriction applies both during the customer’s engagement with Med School Insiders and for a period of twenty-four (24) months following the conclusion of such engagement.
Any attempt to circumvent Med School Insiders’ platform or to directly engage an Insider for private services without the express written consent of Med School Insiders shall constitute a material breach of these Terms. Med School Insiders reserves the right to immediately terminate access to its Services without refund and pursue all available legal remedies, including but not limited to injunctive relief and monetary damages.
