2 Reasons You Should Be Visiting A Good Pawn Shop Today

You may have driven by one many times. These shops usually have a nice sign out front that saw “pawn” or even pawn shop. Pawn solutions are getting more popular than ever, and you are bound to see them open up near you. You will also find that some are available online, and can provide you with a lot of benefits.

There’s a lot of reasons why these places are great, and some of them are so simple, you’ll kick yourself for not checking them out sooner. Today, if you are in need of money, want to sell items, or you want to purchase something, you owe it to yourself to check out what pawn options are available to you. You’ll be surprised by how many options are out there.

The Revolving Inventory of Great Pawn Solutions

Pawn ShopOne of the most consistent things about pawn solutions is that they have inventory a great deal of the time. They have options that are available for sale because they buy and lend money to people that come in through the doors. People come through pawn shops online and in person to sell items that they no longer want or need.

These things can be anything from entertainment options, musical instruments, electronics, and more. You’ll find that the shop will then resell the items at a discounted rate from retail stores because they don’t always pay top dollar for them. That means that you can indulge in getting something new every time you visit a shop, and get something good for yourself, or as a gift for someone else.

There’s a constant revolving door of great options to buy. If you come back often, you’ll see a great deal of solutions that you may enjoy, or even never knew you wanted. Just check it out, and see what’s available, you’ll no doubt be surprised.

Money Fast and Loans Too

There are two major components that come with getting money from a good pawn shop. The first is simple enough, as you already know, it’s a matter of selling items directly. The selling of items is a good thing, as you can bring in something of value, including precious metals and get paid on the spot. Aside from that, however, you’ll find that you will be able to gain the upper hand in any financial situation with selling something that you have.

Now, if you don’t want to sell something, but you have something of value, you can pawn it. That means that you are going to give the pawn shop an option that will give you money. The pawn shop will pay you a sum, and will keep your item.

PawnIf you don’t pay back your loan, however, you will lose your item. That’s how the pawn solutions work. That could be far better than any pay day loan, credit card, or anything that you may pursue in a different manner. It’s simply a great opportunity to check out, especially if you want to get the upper hand in your bills, etc.

As you can see, there’s something grand about going to a good pawn solution. A pawn solution can help you get money fast, buy things that you may not find anywhere else, and get a loan as well. It’s just something that is going to help you gain financial freedom without having to deal with the hardships of credit checks, and other elements. If you have bad credit, or you just have a lot of things you don’t want any longer, pawn solutions can really help you gain the upper hand, and that’s it.


It’s time for you guys to visit majorpawn, and get more information how to get a loan to sell your jewelry. Contact to us for more details.

A Deeper Look into PCB Assembly

Gadgets and technology are now considered a daily necessity and most of us find it hard to live without these. However, despite the wide usage of devices only a few people know that phones, tablets, televisions and computer shave one vial thing in common, that is having a printed circuit board. So we at www.pcbnet.com would like to give you an overview of how PCB assembly is done.

What is PCB Assembly?


Printed Circuit Boards or PCB are engraved plastic or metal sheets inside gadgets which serve as paths for electronic signals. When the electronic parts of a single sheet are glued or soldered into, then it becomes a printed circuit assembly (PCA).

Essential Items for Printed Circuit Board Assembly

Putting together a circuit board depends on the material requested by the client and the purpose of the item. There suppliers who offer board assembly customization like pcbnet.

Here are the basic necessities:

  • Plain printed circuit board
  • Adhesive
  • Soldering tools (wave soldering and SMT machines, soldering
  • station, quality control and testing gear)
  • Soldering materials (solder wire, bar, paste, preforms)
  • Soldering flux
  • Electronic pieces

Methods of Assembling Circuit Boards

Wave Soldering

  • Procedure –
  • Placing the electronic parts
  • Applying flux
  • Preheat preparation
  • Removing debris and excess
  • Testing the PCBA

The wave welding process is used when the electronic parts to be put contain tin or lead which can be melted. A high-temperature soak is prepared to liquefy a solder bar. The electronic items, also known as thru-hole electronics,are run through the molten solder bar via a conveyor belt to thaw the tin or lead inside. Once the process is done the PCB will be tested.

Hand Welding

Hand soldering is a form polishing for the products of the wave soldering method. If the PCB Assembly did not pass the initial quality control tests, they are sent to the soldering station to be redone manually. This means is only used for retouch purposes or light welding requirements.

Surface Mount Technology (SMT)

Surface Mount Technology is used commonly for electronic pieces with little or no lead content. The technique utilizes a Surface Mount Device (SMD) to heat and melt the parts directly on to the printed circuit board.The metal parts without holes also known as solder pads, include lead-tin, silver and gold plated copper. Instead of solder bar, solder paste is more appropriate for SMT. Surface mount is favored by customers compared to thru-hole welding as it is cheaper, efficient, convenient and high quality. Another reason for the preference is that SMT uses lead-free soldering and is therefore safer to our health.

Things to Consider During Assembly

A lot of people don’t really pay attention to circuit board assembly but these tips might be useful when you become a customer.

Here are a few things to double check:

  • PCB assemblyAvoid excessive heat while soldering as it can cause damage or destroy the PCB and its parts. Prior to beginning, make sure that you know or the assembler knows the suitable temperature needed for the kind of materials and method of welding. The board’s endurance to heat depends on with of its cross-section
  • Ensure the proper spacing of the electronic components so that they can properly transmit signals with each other. Poorly spaced components may cause problems during quality control and might delay production schedule. Also check if the items are arranged in similar direction.
  • Provide a space on the top of your printed circuit board for the assembly name, revision name (optional) and parts numerals.
  • Make sure that the electronic parts are soldered in accessible manner. Awkward positioning may result in uneven welding and might not pass standards.
  • Surface mounted sockets are for sample use only as it will increase production cost if mass produced.
  • Never work with a live circuit board. Always make sure that it is unplugged to prevent electrocution.
  • Make sure that your supplier uses high-grade soldering materials and heat-resistant equipment. Cost-cutting is one of the reasons why many assemblers downgrade however it might greatly affect the output.

Get Your Own Custom Coins At ChallengeCoins4Less

The Origin of the Challenge Coins

The tradition of the challenge coin dates back to Ancient Rome. It was known that an enlisted soldier who fought bravely in battle would be typically rewarded with money, and would receive a separate coin as a bonus. Stories have claimed that the separate coin bears the insignia of the legion where it originated from. This had led some soldiers to keep their coin as a memento, instead of spending it on wine and women.

Custom Coins

Another story that tells how the challenge coins came to be today was back in World War I. The challenge coin that we know today has now stood as an identification badge signifying loyalty to an organization or legion when the medallion of an American pilot saved himself from an execution by the French. After being shot down by the German forces, this pilot made his escape to France — but not without being apprehended by the French. He was was believed to be an enemy spy, supposed to be executed until the pilot showed them his medallion to prove his innocence. A French soldier recognized the symbol engraved in his medallion, confirming his identity — thus delaying his impending death.

The ‘Challenge’ in Challenge Coins

The origin of the so-called “challenge” goes back to post-World War II era among American soldiers posted in Germany. They adopted the local tradition of doing “pfennig checks” or “coin checks” in bars. It involved a challenger slapping the coin against the surface of the table to initiate the challenge, and if the other party or individual didn’t produce a coin of his own to prove his membership, he must treat everyone with challenge coins to a round of beer.

Uses of Challenge Coins

The uses of custom coins in the military have become more nuanced over the ages. Although challenge coins are still used as tokens of appreciation for excellent performance in their duties as members of the legion, some officers got into the business of exchanging them with their fellow servicemen like an item they can add to their collection.
Traditionally, a challenge coin was used by soldiers as proof of their membership to a particular unit. But nowadays, soldiers use them as a tool for publicity or as means to increase fundraising by handing them out to civilians or selling them.

Challenge Coins from ChallengeCoins4Less

A challenge coin or a custom coin is a small medallion or token that is usually around 1.5 to 2 inches in diameter, and about 1/10 inch thick. However, it can come in various shape and sizes like shields, arrows, or dog tags. Custom coins can be made out of a variety of metal finishes like silver, copper, pewter, or even a combination of both metal styles. Different custom cut edges and engravings can be incorporated to give the challenge coin a unique design.



One of the known manufactures of challenge coins is ChallengeCoins4Less. We vow to deliver quality custom coins with the mold and design that you specifically requested. We have done all sorts of challenge coins for different organizations/agencies/legions — the military challenge coins, police challenge coins, fire department coins, and even corporate coins. Our notable clients include NASA, the US Army, the Department of Navy, the UNDP, and Symantec.

You can check out our website (www.ChallengeCoins4Less.com) to see our selection of customized options you can choose from to determine the result of your coin. You have the choice to decide on the metal finish, custom cut edges, and engravings of your custom coin. In just two to three weeks, your challenge coins can arrive right at your doorstep, even in casings or packaging of your choice. If you are within US grounds, there will be no cost in shipping.

It is also very easy to submit a design in ChallengeCoins4Less.com ; no need to use special or complicated image formats since we mainly work on a PC platform. A .jpeg or .pdf file will suffice. Although the pricing of the custom coin will vary, depending on the size, shape, finish, etc. you are allowed to request as many revisions in artwork or design as you need without any additional costs.

Moreover, you can get a quick quote from us today. In less than 24 hours, our customer service will immediately reply to any clarifications you may have or information you want. By filling out or no-obligation free quote form in our site, a design proof can be sent back as soon as possible.



ChallengeCoins4Less does not charge customers for design, artwork, or revisions. It is only until after we have gained your final approval on the design and that you are ready to order that we quote the price and begin working on your custom coin.

Motivational Speakers Brought by www.motivational-speaker-success.com

Hearing the word motivation, what commonly comes into one’s mind is that one person influencing another.  The word motivation may be associated with leadership.  A team leader with good motivation skill will likely succeed in influencing his team members into the direction of achieving the team’s goals.

In motivating people, one question frequently asked if not always, arises

That question is “how difficult is it to motivate people?”.  Generally, people have their own unique characteristics.  No two individuals have exactly the same characteristics, not even identical twins.  With this diversity, motivating people tends to become a difficult task.


We at www.motivational-speaker-success.com have teams of experienced and well-trained motivational speakers.  We are always available to render our services at your convenience.

Motivating people may be compared to operating a personal computer.  The only difference is that, people have their own thinking unlike a computer.  That “own thinking” in many instances are the main problem in motivating people.  It is not new to most of us, say in an office environment, that there are employees who are self-willed and do whatever pleases them.


Regardless of the outcome, those self-willed employees will do it to their own satisfaction

Some team members will argue on small matters, leading to a disaster, for instance, the inability of the team to reach their goals.  While it is true that there are people falling under the categories above, there are also those who are not in those categories.

Our motivational speakers at www.motivational-speaker-success.com are trained to handle situations involving motivational obstacles.  Motivational obstacles may either be intentional or unintentional.  An intentional motivational obstacle is one that a person will do just to showcase his importance to a team.  One good example is an employee who will takes an absence with no reason at all.  If that employee is nowhere to be found, then there will be no one to motivate.  His team leader may then resort to other ways so as not to hamper the progress of the team’s task.  The other, being unintentional, i.e. say sickness or other emergencies that are beyond control, may be resolved within the team or organization in a different manner.

People work for a living, for compensation.  They expect to be fairly compensated for every energy they used in working.  One good example of a motivational move is to give incentives to employees.  In case of sales representatives, a bonus upon exceeding their sales quota will definitely make them more productive.  Factory workers whose production for a certain period increased will be happy to receive incentives.


However, motivating people does not only mean monetary rewards

In their day to day activities, it is but natural for them to get bored especially if their work is monotonous.  Many would have noticed those piped-in music in malls and offices.  In malls, those piped-in music are intended to get boredom out of their customers and employees.  Hearing something other than people talking is a good relief from boredom.  Many may also notice those paintings on the walls of most offices and buildings.  They are not there for nothing.  Seeing something is better than seeing blank walls.Motivational Speaker

At www.motivational-speaker-success.com, we see to it that as much as possible, all aspects of motivation are tackled by our speakers in every speaking engagement they are in.

Being a part of a business organization, although not complicated, is not that easy.  Every individual in a business organization serves a purpose, i.e. from the Chief Executive Officer to the lowest ranked employee.  As mentioned earlier in this article, every person has his or her own characteristic.  Some can handle tight situations while others cannot.

At the management level, their busy schedules may hinder the motivational process of the entire organization.  When this happens, there is a great chance for the company’s performance, as a whole, to suffer.  At www.motivational-speaker-success.com, our experienced and trained motivational speakers may be of big help to your organization.

Why Golfers Today Choose Hybrid Clubs Available Online

Hybrid Clubs

Hybrids or hybrid clubs are used in playing golf with woods and irons combined. With the fusion of these two types of club, golfers are able to take advantage of improved equipment for their regular plays. In fact, the hybrid club offers desirable features that wood and irons have. For many golfers, long irons are hard to loft well even with up to date clubfaces. This is because of the lower trajectory as well as smaller face of low-strike club heads.

Most golfers avoid inconvenient clubs such as the ones that don’t match the average distance of their regular plays. The ones that have longer shafts and various swing mechanics are sometimes hard for beginners to master. In addition to that, the fairway wood’s long shaft requires more effort to swing. The club face of fairway woods is also designed to flick through rather than cut into the greens.

Considering the Features and other Related Factors

When it comes to design, hybrid clubs feature club head that is similar to fairway woods. It also has titanium or hollow steel with shallow convex face. The club head is commonly shallower while it doesn’t expand backwards from the clubface. Golfers know that the heads should have iron-like lie angles. Hence, they must also have a flatter sole unlike the fairway woods. The face actually integrates the trampoline effects familiar to more advanced woods available today.

But since it’s a new addition to the club types offered by manufacturers today, there’s no universally-accepted standard that govern club design. So while it’s true that hybrid clubs are the excellent choice for modern golfers, you still need to consider some factors related to loft, swing, and balance. Many manufacturers reduce production costs through selling irons as hybrid golf clubs. This is why it’s essential to test the products before buying them.

Using a set of golf clubs modified to your physique, posture, and swing will exactly provide what you need. The various types of golfers include single handicap, professionals, 10-20 handicaps, 20+ handicaps, women, seniors, juniors, and beginners. Some hybrid clubs have similar irons but instead of having a muscle-back or cavity-back design, these clubs come in somewhat bulging back that looks like more of a fairway wood in terms of shape. The iron replacements swing and carry out nearly exactly like the iron clubs.

Ways to Improve Skills and Swing Balance

Some club manufacturers create true hybrids to offer premium features at more affordable rates. Though hybrid golf clubs are generally similar to woods with similar loft, they still have a performance unique from irons and woods. The common factors that are being compared include launch trajectory, swing mechanics, and head design.


Due to the wooden club head of hybrids, it creates great impact on the golf ball. The hybrid head’s loft is also higher compared to iron or wood of similar number. So the distance travelled by the golf ball is the same as with the iron. As a result, the launch angle is augmented to carry the ball higher than irons. Also, the amplified loft along with tighter impulse leads to increased backspin when the ball is hit. If golfers decide to use hybrids whenever they play on the green, they are guaranteed to achieve balance and trajectory.

Why Purchase Hybrids for Ultimate Golfing Experience

Hybrid golf clubs can support golfers in difficult situations like tight lies. You can choose from the current equipment offered by Rock Bottom Golf and get better savings. With the various designs, colors, and lengths of golf clubs, players can find what they exactly need. If you need to know more about anything, please don’t hesitate to contact us today. There are a lot of clubs you can use to perfectly balance your posture and create an ideal swing on the course.

Time after time, golfers are noticing the importance of using hybrid golf clubs in their games. So if you also want to experience improved golfing, this is the best solution for you. All you need to do is check out the some websites and compare online quotes to find the best deals. Never hesitate to ask the experts to guide you before choosing the golf club you want to use.


Rock Bottom Golf is one of the best places for buying golf accessories like, Golf shoes, Golf balls, Golf bags and many more.

How to Come Up With SEO-Friendly Contents

Writing SkillIn order to have killer website content, there are two things that you need to consider: one is coming up with quality content that will keep readers engaged and entertained; second is making them available to a wider audience that will result to an increased website traffic.

While search engines are responsible for increased web traffic, it’s the optimized content that makes it possible for your website to be recognized by these search engines. As technologies constantly change, these two considerations play a vital role in keeping your content search engine-friendly.

How can you say that your articles are good?

Good writing can definitely be taught and writer should improve on this overtime. While great writing seems hard to reach, a good writing skill can already be achieved through a few writing experiences.

In online writing, you must act as a storyteller who conveys your brand’s story through a lot of mediums and this story has to be reframed for a different set of audiences. In putting up a website, this skill is essential because you must keep your audience interested in your brand. Below are some tips on how to write impressive and engaging articles:

1. Give concrete examples : 

Readers will appreciate relatable examples more than the theoretical ones. Refrain from using a case study when you’re talking about the success of a certain product. Always provide connection through pop culture or recent news in order to establish a point of reference. All these will have a longer staying power in the minds of your readers than giving out facts and figures.

2. Speak your voice out :

One best way to establish your brand through writing is by giving a unique voice to it. Don’t hesitate to sound funny, quirky or a little weird when writing. Reading your content aloud is helpful for you to see if it really sounds like you. You must use your voice to express yourself in writing but make sure that you’ll also be able to engage people with you – whether it’s by commenting and re-posting your contents or even purchasing your product or service.

3. Know your target audience :

BlogDon’t treat your blog/website as a diary or a journal. You must choose a language that’s suitable for your target audience. Avoid using specific jargons when writing for larger audiences. In addition, try to keep your paragraphs simple, short and precise. Divide hard-to-understand points into subtopics. Make sure to include links that will redirect the readers to the actual example of what you’re trying to convey. Lastly; you should be the first critic of your work. Proofread and do some revisions in your content for the benefit of your readers.

How to write for SEO?

Once you’re done writing good articles, the next best thing to do is how to get them seen in search engines. With the help of social media and cross-posting, optimizing the content of your website becomes much easier. Not to mention, there will be an increase in audience reach as well as in your brand’s worthiness and visibility.


Below are some of the tips on how to write search engine-friendly contents:

1. Use organic keywords.

Writing-Seo-ArticlesIn order to increase your website recommendations, your contents must contain organic and highly-visible keywords. Take note that these keywords should always be related to your subject or topic. Online readers who know a lot about search engine optimization are aware if you’re just stuffing the keywords within your content to ensure website visibility.

2. Optimize keyword placements.

Make sure to put your keywords in the content’s title and subtitles. Come up with a hierarchy of relevant keywords and use the most important ones in your title.

3. Include images on your content that contain alt texts.

This is to ensure that a link to your page will appear in image search results as well. By applying all these SEO writing tips, you are on your way to achieving a win-win situation for your website. I

Debunking SEO Myths That Can Hurt Your Business

How well do you understand SEO marketing? Test your knowledge by identifying the four common myths of SEO service.

Myth #1: SEO is all about getting on top of the SERP (search engine results pages)

SeoThat is ideal, but that is not the end result you need. What you need is traffic. Being at the end of the first page or even at the succeeding pages of SERPs does not make you a loser if it still brings in the traffic you need to make sales and earn big profits. Reaching the top of SERPs is futile if your readers won’t find your contents interesting and reliable enough to make them come back regularly. This is especially true for websites that sell and offer products and services other than information.

Look at the bigger picture and work hard for what really matters – the visitors and not the ranking.

Myth #2: SEO is all about the content

SEO writing is the best SEO service that matters a lot when it comes to ranking because at the end of the day, relevance and reputation as measured by search engine algorithms still depend on your contents and how they matter to search engine users. This is the service that is usually singly availed, but SEO marketing is more than using keywords and publishing highly relevant contents. This is just one part of on-page optimization.

SEO also covers the use of computer languages for better reception with web crawlers (Flash vs. HTML). There are also Content Management System and tagging issues to help you improve your stand with spiders. Link building and off-page optimization are other important aspects of SEO that you have to focus on.

Myth #3: Link dropping will improve your traffic

If you live in 2008, yes, it does. But this is 2014, and search engine algorithms and blogging platform guidelines have already changed. In the past, link dropping is a popular SEO service among SEO specialists because it is easy to do. They just leave links on forums, blog reply threads, place links on signatures and exchange links with any websites that also want to build a network.

Seo Services

Unfortunately, social media sites and blogging platforms are already aware of the spamming that is happening with many users, so to prevent degrading their reputations, many of them already followed a “nofollow” tag rule that disables other readers’ privileges to leave links on reply boxes, threads and comment sections.Putting inbound links on websites that have nothing to do with your own niche also lowers your reputation score, so your rank also goes down.

Instead of dropping links anywhere you like, why not just talk to other websites in the same niche and try to ask them if they can use your URL as a resource link. That is if you can offer them substantial information through your contents.

You can also contribute to article directories and other websites so you can earn legitimate resource links.

Myth #4: Availing an SEO service will guarantee you higher profit

The main job of SEO companies is to bring you more traffic. It is usually up to you to handle that traffic and maximize it to earn profit. That is why there is a term called conversion rate to measure how traffic translates to income. Higher conversion rate means higher income.

How does it work?

Seo ServicesVisitors might be pouring your way, but if you do not have a convincing product to sell or a relevant service to offer, it is almost impossible to convert regular readers into paying customers.

You might have a lot of advertisements scattered all over your webpages, but without proper screening and picking of ads that have high credibility, it will be hard to entice your readers to click the ads and earn from PPC.

At the end of the day, SEO marketing is just a strategy to bring in more potential customers to you. It is your responsibility to engage them in a negotiation and finally offer them a really high quality product.

Why An Internet Marketing Company May Not Fear The End of SEO As We Know It

There are a lot of different pundits online that are going to tell you that the end of the marketing world has come to fruition. This happens a lot when it comes to technology writing as a whole. It’s not going to go away either, it’s something that is definitely worth exploring on a lot of different levels. You’ll find that when you look at any part of tech, something is dying or has died.

Internet Marketing

This is not true, but it definitely gets people reading information protocol faster than ever. You are going to find that there are a lot of different ways that you can approach the world of marketing, some of which are going to be easier to understand than others. If you find yourself trying to figure it all out and trying to equate what is going to work best for you, you’ll need to understand how some companies aren’t really buying into all of this, while others are panicking a great deal.

If you want to hire a good SEO marketing company, you should. Don’t allow yourself to lose out on this opportunity because it could cause a great deal of issues moving forward. There are a lot of people that are going to tell you that the best route to move forward with is actually that of doing things yourself, but that’s not a good route overall. You will find that if you chase that instead of going forward with the marketing collateral associated with hiring a professional, you will end up losing out on the greater good overall. It’s something that most people aren’t really going to understand until they see their work fail to get any sort of leverage moving forward.

The Shifting Focus

There are a lot of different ways that you can focus on making moves online, many of which will lead you down a curved path of implementation strategies. You don’t want to focus on the wrong pieces of collateral, that’s for sure, but it’s hard to move ahead of the curve, when you’re stuck within it. You’ll find that if you aren’t focusing on the many different elements of marketing collateral, you will end up with no traffic to speak of and that’s something that most people aren’t really figuring out properly.

Marketing as a whole takes a lot of time, it’s not going to be easy to follow through on, and will definitely find you trying really hard to develop the right movement forward. If you are able to gain market share, you will end up seeing a huge difference in the way you update your page and the way you build the right optimization strategies moving forward.

The Right Elements

Internet MarketingThe right pieces of the proverbial puzzle will give you market share. Plain and simple, you could end up gaining a lot of leverage if you focus on the right collateral overall. If you don’t focus on the right things, you will see your returns diminish. When you hire a good SEO marketing company, they will take your site as a whole and will build the marketing pieces from the ground up. They will improve on the greater good that you need to flow through, and will give you an edge that is hard to really scoff at. If you don’t want collateral or an edge, you could always focus on other options, but you will find that tat a professional solution will build on the right concepts for you moving forward.

If you’re not sure what elements you need to work within, you will definitely want to look at content, link generation, traffic, blogging, and much more. Even within the content marketing world, you will see that there are 15 to 20 moving pieces that you have to swim within. When you swim within those spaces, you will end up rising to the right solutions moving forward.

The Wrong Elements

There’s no easy way to figure out what is the best company to go with online today. You will find that some companies will say that they are the best in the world, but proving that is something that most don’t really know how to work within. You will want to focus on building the right collateral, which takes time, but the wrong elements will cause you to lose market share overall. You will find that the right elements are something that will take you a great deal of time to implement.

Hiring the right people can make or break your traffic generation, but the wrong people working on your page will cause your site’s rank to plummet and once that happens, you will not find that it’s easy to recover at all. If you want to gain leverage in the marking world, you will want to look into building the right pieces overall.

Take your time hiring anyone, because you will want to ensure that you are not losing market share due to expedited, rushed, hiring. Take your time, look at the portfolios that companies have and what they can do for your company overall. If you follow through the right components, you will gain market share that will definitely cause you to gain leverage overall.