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May 20.2025
3 Minutes Read

Discovering Wealth Beyond Riches: The Human Side of Financial Choices

Photorealistic minimalist poster of Jessica Jackley promoting social entrepreneurship.




Understanding Money Beyond Wealth

In the insightful conversation with Jessica Jackley, founder of Kiva, we delve deep into a vital perspective: the idea that money should not be the ultimate measure of success or happiness. Instead, it can be a tool for enabling personal freedom and joy, especially following her experiences with California's wildfires. Jackley emphasizes that people should feel empowered to craft their lives around their passions and values, shedding light on the importance of a purpose-filled existence.




In 'Money, Meaning & Making a Difference with Jessica Jackley', the discussion dives into the human impact of financial decisions, exploring key insights that sparked deeper analysis on our end.

The Human Element in Financial Decisions

Jackley, who has been influential in microfinance, discusses a poignant topic—the impact of displacement due to emergencies such as the California wildfires. Communities suffer not only from loss of homes but also a breakdown in the social fabric. Those who lost everything now face the intricate question of rebuilding not just physically but emotionally and financially.

This devastation magnifies nuances of social inequality, providing different perspectives based on socioeconomic backgrounds. For example, families without insurance suffer differently from those with financial backing. Jackley highlights a critical need to reframe how we view money and its relationship to our identity and community.

Lessons from Social Entrepreneurship

The conversation shifts towards the vibrant world of social entrepreneurship, which Jackley characterizes as an opportunity for systemic change. With a background as a lecturer at USC’s School of Business, she underlines the need for innovative structures where businesses can operate like art projects, incorporating deeply human aspects into their operations. The aim here is to create something beautiful and beneficial, rather than solely profit-driven ventures.

For individuals, especially those in Louisiana, this insight is more than theoretical. It is a call to imagine how financial choices can yield community benefits and fulfill personal values. When deliberating over career choices or financial investments, one can ponder: is this endeavor conducive to bringing about positive change?

The Call for Generosity in Community Resilience

Jackley poses an idea that resonates: that many people, though well-meaning, often struggle to find effective avenues to express their generosity, especially in times of crisis. In Louisiana, where hurricanes and flooding are synonymous with struggle, the challenge is to transform this desire to help into tangible impact. Jackley believes that with better systems in place, individuals can align their volunteer efforts with the needs of the community. The healing process after crises hinges on generosity—not just monetary donations but a deeper sense of connection and service.

How to Navigate Financial Choices Intentionally

For readers over 55 in Louisiana contemplating their next steps—whether it be retirement, investment decisions, or volunteering—Jackley encourages a reflective approach. Ask yourself: "What brings me joy? What are my core values?" Money should never create a divide; rather, it should amplify community connections and personal fulfillment. This is particularly relevant for those who might feel unfulfilled in the traditional sense of what financial success looks like.

Practical engagement with local nonprofits and community initiatives can rekindle a sense of purpose. Consider volunteering or contributing to organizations that resonate with your values. This shift can often lead to the fulfillment that financial gain may not provide.

Conclusion: Envisioning the Future with Intent

In concluding this discussion around money and meaning, it's evident that deeper fulfillment comes not from wealth accumulation but by aligning one's work and financial decisions with core values. Jackley's insights prompt us to rethink our approach to life choices. When we prioritize community well-being alongside personal goals, we unlock a wealth of opportunities for joy and connection.

If you're interested in making a meaningful change in your life or the lives of others, reflect on what drives you. Consider how you can use your unique experiences and resources to contribute to a better society. Reach out to agencies or community groups in Louisiana that are making a difference—you may find your next calling right where you live.




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06.06.2025

Navigating the Cheap Products Shell Game: Essential Insights for Seniors

The Dilemma of Cheap ProductsIn today’s marketplace, consumers over 60 in Louisiana face an ever-growing dilemma: the allure of cheap products versus the reality of their quality. As many retirees tighten their budgets in a shifting economy, the temptation to buy lower-cost items can be significant, but the consequences of this decision often carry a heavy price tag. Understanding the inner workings of this 'cheap products' shell game is crucial for making informed purchases.A Cautionary Tale: The Price of SavingsImagine purchasing a brand-new kitchen appliance at an unbeatable price. Initially, the savings feel exhilarating, but soon, the joy diminishes as the product fails to perform or, even worse, breaks down altogether. This scenario is all too common. According to consumer experts, low-quality products, while budget-friendly, can lead to additional costs due to repairs or replacements. Many seniors in our community have expressed frustration over this phenomenon, noting that initial savings seldom compensate for the long-term losses incurred.Understanding the Economics of Cheap ProductsThe complexity behind the low-price strategy often lies in the production and marketing practices of companies. Cheaper products frequently yield lower quality due to reduced materials and manufacturing processes. As consumers search for bargains, they may overlook essential details such as warranty terms or product specifics, ultimately complicating their purchasing decisions. It’s important to ask: is saving today worth the potential headaches tomorrow?Value vs. Price: A Key ConsiderationCreating a distinction between value and price is fundamental for navigating this maze of choices. Value encompasses the longevity and functionality of a product, while price is simply a number on a tag. Seniors should focus on investing in products that deliver greater overall satisfaction and usability over time rather than those that merely fit within a tighter budget.The Emotional Angle: Trust in BrandsFor older adults, brand loyalty can factor significantly into purchasing choices. Familiar companies often inspire trust, providing reassurance that products will meet a certain standard. Conversely, opting for lesser-known brands just because they are cheaper may evoke anxiety about the potential lack of reliability. This emotional connection can influence shopping experiences, making it crucial to weigh feelings of security against the lure of a lower price tag.Practical Tips for Smart BuyingInvesting wisely requires certain strategies:**Research Products Thoroughly**: Utilize online reviews that evaluate both performance and durability.**Check Warranty Information**: Understand what protections are in place for your purchases.**Pay Attention to Brand Reputation**: Choose companies known for their customer service and reliability.**Prioritize Essentials**: Buy what you need and consider quality over quantity.By taking these steps, seniors can enhance their purchasing decisions and avoid falling into the trap of the 'cheap products' shell game.Empowering Consumer Choices Through AwarenessFor many seniors in Louisiana, knowledge is indeed power. Understanding the dynamics of cost versus quality can lead to smarter consumer choices. By prioritizing long-lasting, reliable products, older adults can circumvent the pitfalls of temporary savings, ultimately leading to a more fulfilling lifestyle.As you reflect on your shopping habits, consider what you value most in a purchase: Is it the immediate satisfaction of a sale, or the long-term comfort of a reliable item? The insights presented here can guide you toward making decisions that align with your needs as vibrant members of our community.To stay informed and empowered, consider joining our newsletter for more tips and insights tailored for seniors in Louisiana. Together, let’s navigate the world of consumer goods with confidence!

06.02.2025

Unmasking the Medicare Advantage Kickback Scandal: A Deep Dive into Broker Incentives and Patient Discrimination

IntroductionThe Medicare Advantage (MA) program, designed to offer seniors a choice in their healthcare coverage, has come under intense scrutiny following allegations of illegal kickbacks and discriminatory practices. A recent lawsuit filed by the Department of Justice (DOJ) accuses major health insurers and brokerages of engaging in schemes that prioritize profits over patient welfare.The Mechanics of the Alleged Kickback SchemeFrom 2016 to 2021, insurers such as Aetna, Elevance Health (formerly Anthem), and Humana allegedly paid hundreds of millions of dollars in kickbacks to brokerages like eHealth, GoHealth, and SelectQuote. These payments, often disguised as marketing or sponsorship fees, were intended to incentivize brokers to steer beneficiaries into specific MA plans, regardless of individual healthcare needs.Discrimination Against Disabled BeneficiariesBeyond the kickbacks, the DOJ alleges that Aetna and Humana conspired with brokers to discourage the enrollment of disabled individuals, who are often more costly to insure. Tactics included threatening to withhold kickbacks unless brokers reduced the number of disabled beneficiaries enrolled in their plans.Legal Framework and ViolationsThese actions potentially violate the Anti-Kickback Statute, which prohibits offering or receiving remuneration to induce referrals for services covered by federal healthcare programs. Additionally, submitting claims resulting from such violations may constitute breaches of the False Claims Act, exposing violators to significant penalties.Impact on Medicare BeneficiariesSeniors rely heavily on brokers to navigate the complex landscape of Medicare options. When brokers prioritize commissions over client needs, beneficiaries may end up in plans that don't align with their healthcare requirements. Furthermore, switching back to traditional Medicare can be challenging, especially for those with pre-existing conditions.Regulatory and Legal ResponsesIn response to these allegations, the DOJ has intensified its investigations, and the Centers for Medicare & Medicaid Services (CMS) has expanded its audit initiatives. CMS now plans to audit all 550 eligible MA plans annually, a significant increase from the previous 60, aiming to identify and curb fraudulent practices.Industry Reactions and DenialsThe accused insurers and brokers have denied any wrongdoing, asserting that their practices comply with federal regulations. They have pledged to defend themselves vigorously against the allegations, emphasizing their commitment to ethical conduct and patient care.Broader Implications for the Healthcare SystemThis scandal highlights systemic issues within the privatized segments of Medicare. The intertwining of profit motives with patient care decisions raises concerns about the efficacy and ethics of the current system. Policymakers may need to consider reforms to ensure that patient welfare remains paramount.ConclusionThe allegations against major insurers and brokers underscore the need for increased transparency and accountability within the Medicare Advantage program. As investigations continue, stakeholders must prioritize reforms that protect beneficiaries and uphold the integrity of the healthcare system.FAQs:What is the Medicare Advantage program?Medicare Advantage is an alternative to traditional Medicare, offered by private insurers, providing additional benefits and services.How do brokers influence Medicare Advantage enrollments?Brokers assist beneficiaries in selecting plans but may be influenced by commissions or incentives from insurers.What are the legal consequences of violating the Anti-Kickback Statute?Violations can lead to criminal charges, hefty fines, and exclusion from federal healthcare programs.How can beneficiaries protect themselves from biased plan recommendations?Beneficiaries should seek information from multiple sources, ask about potential broker incentives, and consult unbiased resources like the State Health Insurance Assistance Program (SHIP).What steps are being taken to prevent such schemes in the future?Regulatory bodies like the DOJ and CMS are increasing audits and oversight, and there is a push for policy reforms to enhance transparency in broker-insurer relationships.

05.05.2025

How to Create Your Ideal Retirement: Beyond Just Financial Planning

The Hidden Aspects of Retirement Planning You Need to KnowWhen it comes to retirement, many individuals focus primarily on financial stability, believing that if they have enough money, everything else will fall into place. In reality, this approach often leaves out critical emotional and behavioral aspects of retirement that can affect overall satisfaction and quality of life. Understanding this is especially important for our audience in Louisiana, where cultural ties and social connections play a vital role in community well-being.In 'Give Me 10 Minutes, I'll Make Your Retirement Better', the discussion dives into innovative retirement strategies, prompting a deeper analysis on how we can truly enrich our golden years. The Five-Step Alternative to Traditional Retirement PlanningIn the insightful video titled "Give Me 10 Minutes, I'll Make Your Retirement Better", a five-step method has been laid out to revolutionize how we view our golden years. The method urges individuals to identify their ideal retirement lifestyle and juxtapose it against what the video terms the "anti-retirement." This concept evokes a stark contrast that sparks motivation and drives positive change.Diving into Your Ideal RetirementThe first task is to vividly describe an ideal retirement. The video guides you towards breaking down this vision into specific, achievable activities. For instance, rather than stating that you want to travel, consider detailing a routine where you wake up in a cozy home, sip coffee, engage in hobbies, and enjoy family time. Taking a moment to think deeply about how you envision your ideal days can empower you to make meaningful decisions. This is especially important for retirees over 55 in Louisiana, where strong family bonds and community ties can significantly enrich life.Recognizing the Anti-RetirementEqually important is acknowledging the undesirable scenario or the "anti-retirement." In this phase, the focus shifts towards what you do not want to happen. This helps paint a realistic picture of potential regrets and fears around aging. Visualizing scenarios like becoming socially isolated or disengaged from family can serve as a motivator to take proactive steps towards enjoyable living.Daily Habits: The Key to FulfillmentAccording to the video, retirement isn’t shaped by a few big choices, but by daily actions that support either your envisioned future or lead you closer to inevitable regret. Establishing daily habits that engage the mind and foster relationships—like volunteering, learning new skills, or calling a loved one—can dramatically enhance the retirement experience.The C3 Model: Foundations for a Joyous RetirementThe video introduces a model called C3, which highlights three pillars critical for fulfillment: Creativity, Connection, and Contribution. Engaging in creative pursuits keeps the brain active; nurturing connections ensures mental well-being; and contributing to others can provide a strong sense of purpose.Implementation: Action Steps You Can Take NowYou can start employing these concepts immediately. Reflect on your ideal retirement from the worksheet presented in the video and jot down changes you aim to implement. Furthermore, seek out local community centers or organizations in Louisiana that offer classes or volunteering opportunities—these not only stimulate personal growth but also help connect you with like-minded individuals.Conclusion: Take Charge of Your RetirementBy understanding the more intricate aspects of retirement planning, you can approach this unique phase of life with confidence and purpose. If you resonate with the ideas shared in this video, I encourage you to explore further and actively engage your emotions and expectations about retirement. Planning for a fulfilling retirement doesn’t merely rely on the financial component; it encapsulates emotional well-being, social connection, and personal fulfillment. Feel free to share your thoughts or questions in the comments below.

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{"company":"Golden Years of Louisiana","address":"108 Stonesberry Dr","city":"Lafayette","state":"Louisiana","zip":"70508","email":"goldenyearsla@gmail.com","tos":"PHA+PHN0cm9uZz48ZW0+V2hlbiB5b3Ugc2lnbi1pbiB3aXRoIHVzLCB5b3UgYXJlIGdpdmluZyZuYnNwOyB5b3VyIHBlcm1pc3Npb24gYW5kIGNvbnNlbnQgdG8gc2VuZCB5b3UgZW1haWwgYW5kL29yIFNNUyB0ZXh0IG1lc3NhZ2VzLiBCeSBjaGVja2luZyB0aGUgVGVybXMgYW5kIENvbmRpdGlvbnMgYm94IGFuZCBieSBzaWduaW5nIGluIHlvdSBhdXRvbWF0aWNhbGx5IGNvbmZpcm0gdGhhdCB5b3UgYWNjZXB0IGFsbCB0ZXJtcyBpbiB0aGlzIGFncmVlbWVudC48L2VtPjwvc3Ryb25nPjwvcD4KCjxwPjxhIGhyZWY9Imh0dHA6Ly93d3cuZ29vZ2xlLmNvbSI+aHR0cDovL3d3dy5nb29nbGUuY29tPC9hPjwvcD4KCjxwPiZuYnNwOzwvcD4KCjxwPjxzdHJvbmc+U0VSVklDRTwvc3Ryb25nPjwvcD4KCjxwPldlIHByb3ZpZGUgYSBzZXJ2aWNlIHRoYXQgY3VycmVudGx5IGFsbG93cyB5b3UgdG8gcmVjZWl2ZSByZXF1ZXN0cyBmb3IgZmVlZGJhY2ssIGNvbXBhbnkgaW5mb3JtYXRpb24sIHByb21vdGlvbmFsIGluZm9ybWF0aW9uLCBjb21wYW55IGFsZXJ0cywgY291cG9ucywgZGlzY291bnRzIGFuZCBvdGhlciBub3RpZmljYXRpb25zIHRvIHlvdXIgZW1haWwgYWRkcmVzcyBhbmQvb3IgY2VsbHVsYXIgcGhvbmUgb3IgZGV2aWNlLiBZb3UgdW5kZXJzdGFuZCBhbmQgYWdyZWUgdGhhdCB0aGUgU2VydmljZSBpcyBwcm92aWRlZCAmcXVvdDtBUy1JUyZxdW90OyBhbmQgdGhhdCB3ZSBhc3N1bWUgbm8gcmVzcG9uc2liaWxpdHkgZm9yIHRoZSB0aW1lbGluZXNzLCBkZWxldGlvbiwgbWlzLWRlbGl2ZXJ5IG9yIGZhaWx1cmUgdG8gc3RvcmUgYW55IHVzZXIgY29tbXVuaWNhdGlvbnMgb3IgcGVyc29uYWxpemF0aW9uIHNldHRpbmdzLjwvcD4KCjxwPllvdSBhcmUgcmVzcG9uc2libGUgZm9yIG9idGFpbmluZyBhY2Nlc3MgdG8gdGhlIFNlcnZpY2UgYW5kIHRoYXQgYWNjZXNzIG1heSBpbnZvbHZlIHRoaXJkIHBhcnR5IGZlZXMgKHN1Y2ggYXMgU01TIHRleHQgbWVzc2FnZXMsIEludGVybmV0IHNlcnZpY2UgcHJvdmlkZXIgb3IgY2VsbHVsYXIgYWlydGltZSBjaGFyZ2VzKS4gWW91IGFyZSByZXNwb25zaWJsZSBmb3IgdGhvc2UgZmVlcywgaW5jbHVkaW5nIHRob3NlIGZlZXMgYXNzb2NpYXRlZCB3aXRoIHRoZSBkaXNwbGF5IG9yIGRlbGl2ZXJ5IG9mIGVhY2ggU01TIHRleHQgbWVzc2FnZSBzZW50IHRvIHlvdSBieSB1cy4gSW4gYWRkaXRpb24sIHlvdSBtdXN0IHByb3ZpZGUgYW5kIGFyZSByZXNwb25zaWJsZSBmb3IgYWxsIGVxdWlwbWVudCBuZWNlc3NhcnkgdG8gYWNjZXNzIHRoZSBTZXJ2aWNlIGFuZCByZWNlaXZlIHRoZSBTTVMgdGV4dCBtZXNzYWdlcy4gV2UgZG8gbm90IGNoYXJnZSBhbnkgZmVlcyBmb3IgZGVsaXZlcnkgb2YgZW1haWwgb3IgU01TLiBUaGlzIGlzIGEgZnJlZSBzZXJ2aWNlIHByb3ZpZGVkIGJ5IHVzLiBIb3dldmVyLCBwbGVhc2UgY2hlY2sgd2l0aCB5b3VyIGludGVybmV0IHNlcnZpY2UgcHJvdmlkZXIgYW5kIGNlbGx1bGFyIGNhcnJpZXIgZm9yIGFueSBjaGFyZ2VzIHRoYXQgbWF5IGluY3VyIGFzIGEgcmVzdWx0IGZyb20gcmVjZWl2aW5nIGVtYWlsIGFuZCBTTVMgdGV4dCBtZXNzYWdlcyB0aGF0IHdlIGRlbGl2ZXIgdXBvbiB5b3VyIG9wdC1pbiBhbmQgcmVnaXN0cmF0aW9uIHdpdGggb3VyIGVtYWlsIGFuZCBTTVMgc2VydmljZXMuIFlvdSBjYW4gY2FuY2VsIGF0IGFueSB0aW1lLiBKdXN0IHRleHQgJnF1b3Q7U1RPUCZxdW90OyB0byZuYnNwOzxoaWdobGlnaHQgY2xhc3M9ImNvbXBhbnlTTVNQaG9uZVVwZGF0ZSI+PC9oaWdobGlnaHQ+LiBBZnRlciB5b3Ugc2VuZCB0aGUgU01TIG1lc3NhZ2UgJnF1b3Q7U1RPUCZxdW90OyB0byB1cywgd2Ugd2lsbCBzZW5kIHlvdSBhbiBTTVMgbWVzc2FnZSB0byBjb25maXJtIHRoYXQgeW91IGhhdmUgYmVlbiB1bnN1YnNjcmliZWQuIEFmdGVyIHRoaXMsIHlvdSB3aWxsIG5vIGxvbmdlciByZWNlaXZlIFNNUyBtZXNzYWdlcyBmcm9tIHVzLjwvcD4KCjxwPjxzdHJvbmc+WU9VUiBSRUdJU1RSQVRJT04gT0JMSUdBVElPTlM8L3N0cm9uZz48L3A+Cgo8cD5JbiBjb25zaWRlcmF0aW9uIG9mIHlvdXIgdXNlIG9mIHRoZSBTZXJ2aWNlLCB5b3UgYWdyZWUgdG86PC9wPgoKPG9sPgoJPGxpPnByb3ZpZGUgdHJ1ZSwgYWNjdXJhdGUsIGN1cnJlbnQgYW5kIGNvbXBsZXRlIGluZm9ybWF0aW9uIGFib3V0IHlvdXJzZWxmIGFzIHByb21wdGVkIGJ5IHRoZSBTZXJ2aWNlJiMzOTtzIHJlZ2lzdHJhdGlvbiBmb3JtIChzdWNoIGluZm9ybWF0aW9uIGJlaW5nIHRoZSAmcXVvdDtSZWdpc3RyYXRpb24gRGF0YSZxdW90OykgYW5kPC9saT4KCTxsaT5tYWludGFpbiBhbmQgcHJvbXB0bHkgdXBkYXRlIHRoZSBSZWdpc3RyYXRpb24gRGF0YSB0byBrZWVwIGl0IHRydWUsIGFjY3VyYXRlLCBjdXJyZW50IGFuZCBjb21wbGV0ZS4gSWYgeW91IHByb3ZpZGUgYW55IGluZm9ybWF0aW9uIHRoYXQgaXMgdW50cnVlLCBpbmFjY3VyYXRlLCBub3QgY3VycmVudCBvciBpbmNvbXBsZXRlLCBvciB3ZSBoYXZlIHJlYXNvbmFibGUgZ3JvdW5kcyB0byBzdXNwZWN0IHRoYXQgc3VjaCBpbmZvcm1hdGlvbiBpcyB1bnRydWUsIGluYWNjdXJhdGUsIG5vdCBjdXJyZW50IG9yIGluY29tcGxldGUsIHdlIGhhdmUgdGhlIHJpZ2h0IHRvIHN1c3BlbmQgb3IgPHN0cm9uZz48c3BhbiBzdHlsZT0iY29sb3I6I0ZGMDAwMDsiPnRlcm1pbmF0ZSB5b3VyIGFjY291bnQvcHJvZmlsZSBhbmQgcmVmdXNlIGFueSBhbmQgYWxsIGN1cnJlbnQgb3IgZnV0dXJlIHVzZSBvZiB0aGUgU2VydmljZSAob3IgYW55IHBvcnRpb24gdGhlcmVvZikuPC9zcGFuPjwvc3Ryb25nPjwvbGk+Cjwvb2w+Cgo8cD4mbmJzcDs8L3A+CjxoaWdobGlnaHQgY2xhc3M9ImNvbXBhbnlOYW1lVXBkYXRlIj5Hb2xkZW4gWWVhcnMgb2YgTG91aXNpYW5hPC9oaWdobGlnaHQ+PGJyIC8+CjxoaWdobGlnaHQgY2xhc3M9ImNvbXBhbnlFbWFpbFVwZGF0ZSI+Z29sZGVueWVhcnNsYUBnbWFpbC5jb208L2hpZ2hsaWdodD4=","privacy":"PHA+PHN0cm9uZz5QUklWQUNZPC9zdHJvbmc+PC9wPgoKPHA+PHN0cm9uZz5UaGUgaW5mb3JtYXRpb24gcHJvdmlkZWQgZHVyaW5nIHRoaXMgcmVnaXN0cmF0aW9uIGlzIGtlcHQgcHJpdmF0ZSBhbmQgY29uZmlkZW50aWFsLCBhbmQgd2lsbCBuZXZlciBiZSBkaXN0cmlidXRlZCwgY29waWVkLCBzb2xkLCB0cmFkZWQgb3IgcG9zdGVkIGluIGFueSB3YXksIHNoYXBlIG9yIGZvcm0uIFRoaXMgaXMgb3VyIGd1YXJhbnRlZS48L3N0cm9uZz48L3A+Cgo8cD48c3Ryb25nPklOREVNTklUWTwvc3Ryb25nPjwvcD4KCjxwPjxlbT5Zb3UgYWdyZWUgdG8gaW5kZW1uaWZ5IGFuZCBob2xkIHVzLCBhbmQgaXRzIHN1YnNpZGlhcmllcywgYWZmaWxpYXRlcywgb2ZmaWNlcnMsIGFnZW50cywgY28tYnJhbmRlcnMgb3Igb3RoZXIgcGFydG5lcnMsIGFuZCBlbXBsb3llZXMsIGhhcm1sZXNzIGZyb20gYW55IGNsYWltIG9yIGRlbWFuZCwgaW5jbHVkaW5nIHJlYXNvbmFibGUgYXR0b3JuZXlzJiMzOTsgZmVlcywgbWFkZSBieSBhbnkgdGhpcmQgcGFydHkgZHVlIHRvIG9yIGFyaXNpbmcgb3V0IG9mIENvbnRlbnQgeW91IHJlY2VpdmUsIHN1Ym1pdCwgcmVwbHksIHBvc3QsIHRyYW5zbWl0IG9yIG1ha2UgYXZhaWxhYmxlIHRocm91Z2ggdGhlIFNlcnZpY2UsIHlvdXIgdXNlIG9mIHRoZSBTZ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