21 Jan 2026
2 min read
Here is a very hard 20-question faith-based riddle game. Answers are hidden at the bottom.I spoke once through a donkey and stopped a prophet in his tracks. What am I?I was built twice, destroyed twice, and
21 Jan 2026
2 min read
How to play:Each paragraph describes something connected to faith, Scripture, or spiritual life. Think deeper than the obvious.I grow when you trust and shrink when you doubt. I can move mountains without lifting a stone. W
21 Jan 2026
4 min read
How to play:Read each paragraph. Every one describes something using indirect clues. Think deeper than the obvious.1. The Invisible AlarmI go off even when there is no danger. I make your chest tight and your mind rac
21 Jan 2026
3 min read
Longevity is not just about adding years to your life - it is about adding life to your years. Many young adults think aging is far away, but the habits you build now shape your future health. God designed your body and soul to work together. When you take care of both, you are honoring Him and i
21 Jan 2026
3 min read
A message to a friend feeling depression. I want you to know something before anything else - you matter more than you realize. Even on days when you feel empty, tired, or numb, your life still has purpose. Your presence still makes a difference. You are not invisible. I know depression can make
20 Jan 2026
4 min read
Words are not just sounds we make - they carry power. Every sentence we speak plants a seed. Those seeds grow into thoughts, habits, relationships, and even our faith. The Bible reminds us, “Death and life are in the power of the tongue” (Proverbs 18:21). That means your words can build
19 Jan 2026
3 min read
In a world full of distractions, pressure, and noise, growing closer to God has never been more important. The Bible gives us clear guidance, but these principles still apply to life today. Here are ten powerful ways young people can strengthen their relationship with God through simple daily act
19 Jan 2026
2 min read
In today’s world, distractions are everywhere. TV, social media, entertainment, and comfort compete for our attention every day. While these things are not always bad, too much focus on physical desires can quietly weaken our spiritual life. The real question is simple – are you spending more tim
19 Jan 2026
3 min read
The phrase "faith without works is dead" comes directly from Scripture. In the Letter of James, we read: "So also faith of itself, if it does not have works, is dead" (James 2:17). This verse challenges a comfortable version of faith that stays silent, hidden, and inactive. It reminds us
18 Jan 2026
3 min read
In a world dominated by smartphones, notifications, and endless scrolling, the idea of a phone-free Sunday is more powerful than ever. Imagine a global movement where people unplug from their devices one day each week to reconnect with life, relationships, and themselves. A phone-free Sund
17 Jan 2026
4 min read
God is greater than anything this world can offer. The enemy constantly tempts us with worldly desires in an effort to pull us away from God. These temptations promise happiness, success, pleasure, and power - but they always fall short. Even Jesus Himself was tempted by Satan, proving that no on
17 Jan 2026
4 min read
From the beginning of salvation history, sacrifice played a central role in humanity’s relationship with God. When Moses received the Ten Commandments, God instructed His people to offer sacrifices for atonement. Rams and lambs were presented daily - pure, unblemished, and perfect. These offering
16 Jan 2026
3 min read
The Crown of Thorns represents one of the most profound moments of Jesus’ Passion. Roman soldiers placed it on His head to mock Him as “King of the Jews.” What was intended as humiliation became a powerful revelation of truth. Catholics see this as a symbol of Christ’s true kingship - not a ruler
16 Jan 2026
3 min read
Life pulls us in so many directions - responsibilities, challenges, doubts, distractions. Sometimes that pull leads us away from God or away from the Church we once loved. If you’ve ever felt that distance - unsure, hesitant, or even afraid to return - know this: you are not alone, and you are we
16 Jan 2026
2 min read
Every day we are surrounded by noise - opinions, expectations, comparisons, and pressure. We listen to everyone else and forget the one voice that matters most - our own. Real positivity begins when you learn to speak to yourself with kindness instead of criticism.Positivi
16 Jan 2026
2 min read
From a young age, most of us are taught to avoid mistakes at all costs. Get the degree. Follow the safe path. Do not embarrass yourself. Do not take risks that might not work out. But what if this mindset is holding us back? What if avoiding failure is actually slowing us down instead of protecti
16 Jan 2026
3 min read
There was a season in my life when everything seemed to collapse at once. Not just one area, but everything. Relationships felt strained. Finances were stressful. My future felt unclear. I prayed, but the silence was loud. I went to church, smiled, and told people I was “fine,” but inside I was e
15 Jan 2026
2 min read
LoveWhat is love? Simple: Jesus. If we look at 1 Corinthians 13:4-8, we are told exactly what love is.“Love is patient, love is kind. It is not jealous, [love] is not pompous, it is not inflated, it is not rude, it does not seek its own interests, it is not quick-temper
15 Jan 2026
2 min read
What would Jesus do? Four simple words, but they carry so much meaning. We see Christians every day wearing bracelets, shirts, and hoodies that say “WWJD.” But most of the time, we don’t stop to think about what it really means. When we face tough situations, we should pause and ask ourselves wha
15 Jan 2026
3 min read
People often ask, “Why does God let bad things happen?” The truth is, God is not creating these bad things in our lives - He just doesn’t always stop them. If life were perfect and we never hit rock bottom, we would never seek God. We would never grow. We would never learn how much we truly need
15 Jan 2026
3 min read
We know that God’s forgiveness is unconditional, so why do we still carry the weight of the world on our shoulders? Why do we hold onto guilt, shame, and regret when God already took it all upon Himself? God was so humble that He came down to earth through Jesus Christ. He chose to step into our
15 Jan 2026
3 min read
We all know that relationships go both ways. You text them, they text back. You call them, and both of you are part of the conversation. Real relationships take effort from both sides. So why would it be any different when it comes to our relationship with God? Some people say, “Well, you can’t t
15 Jan 2026
3 min read
As we grow up, we get hit with a lot of expectations. We feel pressure to succeed in school, choose the perfect career, be good at sports, and even live out our faith flawlessly. Sometimes it feels like everyone is watching. You put a Bible verse in your bio and suddenly people expect you to be a
14 Jan 2026
3 min read
The Catholic Church teaches that there is one God in three divine Persons – the Father, the Son, and the Holy Spirit. This truth is not something we invented. It comes directly from Sacred Scripture and Sacred Tradition. While the Trinity is a mystery beyond full human understanding, God gives us
13 Jan 2026
2 min read
The Storm Is Already Forming. The economy is tightening, spending is slowing, and small businesses are increasingly standing alone. AI and automation are changing how people work and buy, and when income drops, local businesses feel it first. Waiting and hoping things improve is not a strategy.
06 Jan 2026
2 min read
Small businesses are being squeezed from every side. Costs are up. Consumers are cautious. AI and automation are quietly replacing roles and changing how people choose who to trust. When the economy tightens, small businesses are hit first - and those without strong connections feel it the hardes
03 Jan 2026
2 min read
Religious freedom is often described as a basic human right, yet for millions of people around the world it is denied every day. Among all faith groups, Christians are consistently identified as one of the most persecuted religious communities on earth. Research from organizations such as
02 Jan 2026
4 min read
For a book written across thousands of years, cultures, and authors, the Bible is surprisingly consistent in its guidance. When scholars analyze Scripture and group repeated commands and exhortations, a clear pattern emerges. The Bible does not overwhelm people with complicated philosophies. Inst
01 Jan 2026
5 min read
Want the secret to happiness? In a noisy, distracted world, SmartGuys stand out quietly. They are not perfect, loud, or reckless - they are intentional. SmartGuys focus on discipline over motivation, character over comfort, and long-term growth over short-term validation. This guide breaks down t
01 Jan 2026
4 min read
Every New Year brings a fresh wave of resolutions - eat better, work harder, be more disciplined, stress less. Most fade by February because they focus on outcomes instead of identity. One resolution, however, has the power to reshape every decision you make all year long: choosing to act, spe
01 Jan 2026
4 min read
The next 5 to 10 years will bring massive workforce disruption as AI, automation, and robotics replace routine and repetitive jobs. Roles like customer service, basic administration, retail checkout, telemarketing, warehouse work, and assembly-line manufacturing are already being affected.
01 Jan 2026
4 min read
If you are working in a low-skill, routine, or manual role - customer service, data entry, retail, warehousing, food service, administrative support, production lines, delivery driving, or basic mechanical and office work - the ground is already shifting beneath your feet. This is not distant fut
23 Dec 2025
3 min read
When people reflect on their lives near the end, the most common regret they share is not about one decision or mistake. It is broader and quieter than that. Many simply say, “I didn’t realize how precious life was while I was living it.”They were always waiting for the next stage
23 Dec 2025
3 min read
One of the most meaningful regrets people admit later in life is not helping others more when they had the chance. They wish they had been kinder, more generous with their time, and more willing to step in when someone needed support. Looking back, many say, “I was too busy to notice how much
23 Dec 2025
3 min read
One of the most common regrets people admit later in life is choosing money over meaning. They prioritized income, titles, and security while postponing purpose, fulfillment, and impact. Looking back, many say, “I was successful on paper, but empty inside.” Money matters. Security matter
23 Dec 2025
3 min read
One of the most overlooked regrets people admit later in life is not investing in their own growth. They stayed comfortable. They stopped learning. They postponed self-reflection. Over time, life moved forward - but they felt stuck.Personal growth does not stop automatically. It is somethi
23 Dec 2025
3 min read
One of the most common regrets people admit later in life is avoiding difficult conversations they knew they needed to have. They delayed honesty to avoid discomfort, conflict, or emotional pain. Looking back, many say, “I wish I had said something when I still could.” Difficult conversa
23 Dec 2025
3 min read
One of the most common regrets people admit later in life is not being present while life was actually happening. They were physically there, but mentally elsewhere. Thinking about the future. Replaying the past. Rushing through moments they assumed would always be there. Later, they realize how
23 Dec 2025
3 min read
One of the quietest yet most damaging regrets people admit later in life is holding onto anger and resentment for too long. Many say, “I carried it for years, and it only hurt me.” What once felt justified slowly became a weight they never needed to bear. Anger often starts as protection
23 Dec 2025
3 min read
One of the most haunting regrets people share later in life is never taking the creative or career risks they once dreamed about. They often say, “I always wondered what would have happened if I had tried.” That wondering never fully goes away. This regret is not about quitting everythin
23 Dec 2025
3 min read
One of the most common regrets people admit later in life is not standing up for themselves when it mattered most. They stayed quiet to keep the peace. They avoided conflict to avoid discomfort. They let boundaries blur and needs go unspoken. Looking back, many say, “I wish I had spoken up.”
23 Dec 2025
3 min read
One of the most common regrets people admit later in life is spending too much time worrying about what others thought of them. They shaped decisions around approval, avoided judgment at all costs, and muted parts of themselves to fit in. Looking back, many say, “I lived smaller than I needed
23 Dec 2025
3 min read
When people look back on their lives, one of the most frequently mentioned regrets is surprisingly simple: not saying “I love you” enough. These words feel small, but their absence can echo for decades. Many people assume love is understood. They believe actions speak loudly enough. They plan to
23 Dec 2025
3 min read
One of the most common regrets people express later in life is not traveling or exploring more when they had the chance. Many say, “I always thought I’d do it someday,” only to realize that someday never arrived.This regret is not just about missing destinations. It is abo
23 Dec 2025
3 min read
One of the most common regrets people admit later in life is waiting too long to begin. They waited for the perfect time, the right conditions, more confidence, more money, more clarity. And while they waited, life quietly moved on. The painful truth is this: the perfect time rarely arrives. Peop
23 Dec 2025
3 min read
One of the most common regrets people express later in life is ignoring their health when they had it. Many say, “I thought I’d deal with it later,” only to realize later never came.Health is easy to overlook when you feel fine. Energy seems unlimited. Recovery feels autom
23 Dec 2025
3 min read
One of the most painful regrets people admit later in life is staying too long in relationships that were unhealthy, unfulfilling, or emotionally damaging. Many say, “I knew it wasn’t right, but I stayed anyway.”This regret is especially heavy because it is rarely about on
23 Dec 2025
3 min read
One of the most common regrets people admit later in life is not failing - it is never trying. Over and over, people say, “I let fear decide for me.” Fear of rejection. Fear of embarrassment. Fear of failure. Fear of change. Fear is subtle. It does not always shout. Often, it whispers re
23 Dec 2025
3 min read
One of the most overlooked regrets people admit later in life is not about dramatic breakups or big conflicts. It is about friendships that slowly disappeared without intention. Many people say, “We didn’t stop being friends… we just stopped trying.”Friendships rarely end
23 Dec 2025
3 min read
One of the most frequently shared regrets later in life is not about money, work, or missed opportunities. It is about words left unspoken. Many people admit they did not say “I love you,” “I’m proud of you,” or “I’m sorry” enough - or at all. This regret hurts because it cannot always be fixed.
23 Dec 2025
3 min read
One of the most common regrets people admit later in life is simple but painful: “I worked too much.” Not because work is bad, but because it slowly replaced everything else that mattered.Most people do not set out to sacrifice their lives for their jobs. It happens gradually. Lo
23 Dec 2025
3 min read
One of the most heartbreaking truths people admit later in life is this: “I lived the life others expected of me, not the one I truly wanted.” It is a regret rooted not in failure, but in silence. Living for others instead of yourself rarely feels wrong in the moment. In fact, it often l
22 Dec 2025
3 min read
When people reach the later stages of life, they almost never regret the things they bought or the money they made. Instead, they regret choices they did not make, words they did not say, and courage they did not show. Hospice workers, psychologists, and decades of happiness research all p
20 Dec 2025
6 min read
Dear SmartGuy® Members:Why We Are Sending This WarningWe are writing this to you not as speculation, not as politics, and not as fear-mongering, but as a clear warning based on facts, data, and timing. Artificial intelligence and robotics are advancing f
20 Dec 2025
2 min read
(Read and reflect on this each morning)Today, I choose how I will live. I wake up remembering that I am not here by accident. I am alive for a purpose, and my life has meaning beyond schedules, stress, and noise. I choose to live this day the way Jesus calls me to live - with intention, c
18 Dec 2025
3 min read
Rise up...not because life is easy, but because you were created for more. Rise up from fear that keeps you small. Rise up from discouragement that tells you nothing will change. Rise up from the quiet voice that says, “This is as good as it gets.” God did not place you on this earth to drift thr
17 Dec 2025
3 min read
Many young people today are searching for their purpose in life. Questions like “Why am I here?”, “What should I do with my life?”, and “How do I know I’m on the right path?” are more common than ever. Feeling uncertain does not mean you are lost. It means you are becom
17 Dec 2025
4 min read
In a world filled with noise, pressure, and constant distraction, many people wonder if holiness is still possible today. The Catholic faith answers with a clear and hopeful yes. Sainthood is not reserved for ancient times or monastery walls. The path to becoming a modern day saint is open rig
16 Dec 2025
2 min read
Being Catholic in today’s world can feel challenging. We are surrounded by constant noise, endless opinions, and pressure to think, live, and believe a certain way. Many Catholics feel distracted, overwhelmed, or unsure how to live their faith confidently in modern culture. Yet the truth is this
15 Dec 2025
3 min read
For years, businesses were pushed toward digital-only growth. Ads replaced relationships, automation replaced introductions, and algorithms replaced trust. Yet despite all the technology, one truth never changed - people still prefer to do business with people they trust. Today, business netwo
14 Dec 2025
4 min read
Something big is happening in local business - and the smartest companies are moving early. SmartGuy® is not just another directory. It is a nationwide city-based business network designed for one simple goal: help local businesses stand out, get found, and win more customers in a world where vis
11 Dec 2025
4 min read
Beginning February 1, 2026, SmartGuy® will allow businesses to claim the exclusive "SmartGuy® Best Product" category position in their city and take advantage of our 14,000,000+ visitors. One product category. One city. One business.For $299 per year, you lock in your cat
10 Dec 2025
3 min read
For small business owners, getting ranked on search engines has become more difficult than ever. Between building a website, competing with larger companies, and keeping up with constant SEO changes, achieving online visibility can feel out of reach. Smart Guy® was created to solve this exact
10 Dec 2025
2 min read
AI answers, voice search, zero-click results, and instant summaries are eliminating clicks. Rankings that once drove real traffic now produce impressions only. As search evolves, visibility concentrates, fewer sites get seen, and the traditional SEO traffic model continues to shrink.<str
10 Dec 2025
2 min read
In every city, only one SEO company can align with SmartGuy® as the official SEO partner. Once that position is claimed, it’s closed - permanently. The question isn’t if this becomes valuable. It’s whether you own it or your competitor does. SmartGuy® gives agencies two ways to benefit i
09 Dec 2025
2 min read
SmartGuy® allows only one SEO agency per city to align as the official SEO Specialist. This turns search expertise into control of a city-level business network, combining search visibility, offline referrals, city authority, and national exposure. As SmartGuy® expands national advertising
08 Dec 2025
3 min read
SEO companies partnering with SmartGuy® have two powerful ways to use the platform - and both create immediate value.Option 1: Add Client Businesses for FreeSEO agencies can add their client businesses to SmartGuy® at no cost. This instantly gives cli
05 Dec 2025
6 min read
A New Era of Learning for a New Era of TechnologyArtificial Intelligence is transforming every part of modern life, from business and education to health, entertainment, and personal development. Most people use AI every day without understanding how it works or how to t
05 Dec 2025
8 min read
What Artificial Intelligence Really MeansArtificial Intelligence is one of the most important technologies of our time, yet many people misunderstand what it actually is. AI does not mean robots taking over the world or machines that think exactly like humans. At
05 Dec 2025
8 min read
Why You Need a Clear Definition of AIArtificial Intelligence is one of the most talked-about topics in the world today, but most people still misunderstand what it actually is. Some think AI is a robot, others think it is a computer that thinks like a human, and some bel
05 Dec 2025
8 min read
Why Neural Networks MatterNeural networks are the foundation of most modern AI systems. They power voice recognition, image analysis, translation tools, self-driving cars, medical diagnostics, and advanced language models. Understanding what a neural network is -
05 Dec 2025
8 min read
Why Deep Learning Is a Game ChangerDeep learning is one of the most important breakthroughs in artificial intelligence. It is the technology behind advanced language models, image recognition systems, self-driving cars, medical imaging tools, and even the voice assist
05 Dec 2025
7 min read
Why Understanding Machine Learning MattersMachine learning is the engine behind almost all modern AI. It is the process by which computers learn patterns, make predictions, and improve over time without being manually programmed for every step. When you understand
05 Dec 2025
8 min read
Why Understanding AI Types MattersNot all AI is the same. In fact, there are two major categories of artificial intelligence that shape the technology we use today and the future we are moving toward. Most of the AI you interact with is narrow AI, which is highly
05 Dec 2025
7 min read
AI Is Transforming Customer Service EverywhereCustomer service used to depend entirely on humans answering phones, replying to emails, or managing support desks. Today, AI is changing that landscape rapidly. Chatbots, automated support systems, and intelligent assistants
05 Dec 2025
8 min read
Understanding Why AI Ethics MatterAs AI becomes more powerful and more woven into daily life, ethical concerns are more important than ever. AI systems make decisions that affect hiring, healthcare, education, justice, social media, and even national security. Bec
05 Dec 2025
8 min read
Your Data Is More Valuable Than You RealizeIn today’s digital world, data has become one of the most valuable resources on the planet. Every search, message, purchase, and location check leaves behind a digital footprint. AI systems use this data to learn about yo
05 Dec 2025
7 min read
A Worldwide Competition for the FutureArtificial Intelligence is not just a technology - it is a global race that will determine which nations lead the world in economics, defense, innovation, and influence. Countries around the world are investing billions into A
05 Dec 2025
8 min read
AI Is Everywhere, Even When You Don’t Realize ItMost people think Artificial Intelligence is something futuristic or technical, something only scientists or tech companies use. In reality, AI is already woven into your daily life from morning to night. It influenc
05 Dec 2025
8 min read
AI Is Becoming the Ultimate Productivity ToolArtificial Intelligence tools are rapidly replacing many of the slow, manual tasks that used to drain people’s time. Instead of spending hours organizing your day, searching for information, rewriting content, or trying
05 Dec 2025
8 min read
AI Assistants Are Becoming the New Everyday ToolsArtificial Intelligence assistants like ChatGPT, Gemini, Claude, and others are quickly becoming essential tools for everyday life. They help you write, plan, research, brainstorm, organize, and learn at a speed tha
05 Dec 2025
8 min read
A New Era of Human CommunicationArtificial Intelligence is transforming how people communicate - not just in business, but in everyday life. Whether you’re writing emails, posting on social media, creating content, or having conversations across different language
05 Dec 2025
8 min read
A New Era of Money ManagementArtificial Intelligence is transforming the way people save, invest, spend, and plan for the future. Instead of relying only on spreadsheets, guesswork, or financial advisors, individuals now have access to powerful AI tools that can a
05 Dec 2025
8 min read
A New Kind of Healthcare Is EmergingArtificial Intelligence is transforming personal health faster than any other field. For the first time in history, medicine is shifting from a system that reacts to illness toward one that predicts, prevents, and personalizes c
05 Dec 2025
7 min read
AI Is Reshaping How the World MovesTransportation is entering a new era where vehicles, roads, and cities are becoming intelligent. Artificial Intelligence now plays a major role in how people travel, how goods are shipped, and how traffic flows. From self-driving cars t
05 Dec 2025
7 min read
AI Is Transforming Healthcare at Every LevelHealthcare is undergoing one of the biggest transformations in its history, thanks to Artificial Intelligence. From detecting diseases earlier to designing new treatments faster, AI is speeding up medical innovation and improvi
05 Dec 2025
7 min read
AI Is Becoming a Student’s Most Powerful Learning ToolStudents today have access to tools far more advanced than any generation before them. Artificial Intelligence can help with studying, writing, research, organization, test preparation, and even learning new subjec
05 Dec 2025
7 min read
The World Is Changing Faster Than EverArtificial Intelligence is transforming industries, reshaping careers, and creating new opportunities at a speed the world has never seen before. To stay relevant in this rapidly evolving environment, you must actively build the skil
05 Dec 2025
7 min read
Why Cybersecurity Matters More Than EverAs the world becomes more connected, cyber threats grow more sophisticated. Businesses, governments, and individuals rely on digital systems for nearly everything - from banking and communication to healthcare and infrastructure. T
05 Dec 2025
7 min read
AI Is Transforming How We LearnEducation has traditionally followed a one-size-fits-all approach, where every student receives the same instruction at the same pace. Artificial Intelligence is changing that completely. AI powered systems can adapt to each student’s ne
05 Dec 2025
7 min read
AI Is Reshaping Modern HealthcareHealthcare is one of the industries most profoundly transformed by Artificial Intelligence. From early diagnosis to personalized treatment plans, AI helps doctors and medical professionals make faster, more accurate decisions. It i
05 Dec 2025
7 min read
AI Is Transforming the Financial WorldThe financial industry relies heavily on data, patterns, predictions, and risk evaluation, making it an ideal environment for Artificial Intelligence. Today, AI systems assist with investing, fraud prevention, loan decisions, cust
05 Dec 2025
7 min read
AI Is Reshaping Modern MarketingMarketing has always been about understanding people and communicating effectively. But with today’s technology, Artificial Intelligence is transforming how businesses attract, engage, and convert customers. AI helps marketers analy
05 Dec 2025
7 min read
AI Is Transforming the Entire Sales ProcessSales used to depend almost entirely on intuition, experience, and manual effort. Today, Artificial Intelligence is reshaping how companies find customers, understand needs, and close deals. AI analyzes data, identifies o
05 Dec 2025
7 min read
AI Is Reshaping Customer Service EverywhereCustomer service used to rely entirely on human agents answering phones, responding to emails, and solving problems manually. Today, Artificial Intelligence is transforming the experience from the ground up. AI powered chatbots,
05 Dec 2025
7 min read
Why AI Is Transforming How Decisions Are MadeDecision making is at the core of every business, career, and daily life. In the past, important choices depended heavily on human intuition, limited data, and time-consuming analysis. Today, Artificial Intelligence is chan
05 Dec 2025
7 min read
AI Creation Is No Longer Only for EngineersFor years, developing AI systems required deep technical knowledge, advanced math skills, and expert-level programming. That world has changed. No-code AI platforms now allow everyday people to build powerful applications, au
05 Dec 2025
7 min read
Why AI Skills Are No Longer OptionalThe workplace is changing faster than at any time in history. Artificial Intelligence is now involved in writing, planning, designing, analyzing, and managing tasks across almost every industry. Workers who do not learn to use AI risk
05 Dec 2025
7 min read
The Engine Behind Modern Artificial IntelligenceDeep learning is the technology responsible for many of the most impressive breakthroughs in AI. It powers voice assistants, image recognition systems, self-driving cars, medical diagnosis tools, and large language m
05 Dec 2025
7 min read
Teaching Machines to Understand Visual InformationComputer Vision is the field of AI that allows machines to interpret images and video the way humans do. It enables computers to recognize objects, detect faces, read signs, understand scenes, and make decisions ba



































































































