Get A Free Precious Metals Consultation
https://sovereignadvisors.net/pages/seanmorgan/
Call Dr. Kirk Elliott at +1 720-605-3900
Get A Free Precious Metals Consultation
https://sovereignadvisors.net/pages/seanmorgan/
Call Dr. Kirk Elliott at +1 720-605-3900
1 (41s):
Welcome to The Sean Morgan Report. I'm your host, Sean Morgan. We're here changing from six to 5:00 PM Eastern every week on Friday on American media periscoped.net AU. That's the Patriot only super channel check out all of the shows on AmericanMediaPeriscope to get the patriotic Trump supporting truth seeking type of contents. And today we have a great show. Half of the show is going to be talking about the financial stuff that's going on, which is crazy with Bitcoin crashing the housing market crashing with gold and silver holding their own and rising. So it's going to be really interesting to talk about that. And then I'm going to talk to my co-host Jim, about all of the dominoes that are falling with the audits about how Fowchee and bill gates are falling from grace and what this means for the strategies of the white hats versus the deep state.
1 (1m 29s):
So let's hear a word from our sponsor now is going to be really, really important to pay attention to silver and gold in this episode. So let's hear from sovereign advisors
2 (1m 39s):
Gold, it was near all time highs. Has it reached this peak? Did you miss the boat? No, I don't think so. The exploding debt changing the interest rate cycle political and economic turmoil have caused the current move in gold and those things are getting worse. In fact, Citibank projected gold to hit $3,000 an ounce over the next 12 to 18 months. I encourage you to protect and grow your investment portfolio with gold. I trust Dr. Kirk Elliott with sovereign advisors with over 25 years of experience and two PhDs. Kirk Elliott is the best to the best in the industry. Call his office at (720) 605-3900. And tell him, Sean Morgan sent, you were just click on the link in the description to get that free consultation.
1 (2m 23s):
All right, so let's get into The Sean Morgan Report is going to be a great show. Let's take a look at the first visual of what's going on in the housing market. You know, in April we had a horrible housing stock month. It was down nine and a half percent, you know, marsh was down, but that was seasonal, but so we were really paying attention to what would happen in April because the housing market has been super hot, but you know, the price of copper and lumber has been through the roof and we're watching the housing market to see what would happen. And sure enough, even though those mortgage rates are really low, people are deciding not to build houses because of the increasing costs of building. And this is just another example of how the Biden administration has fumbled the economy, and it could portend a future problems with this very delicate economic recovery.
1 (3m 13s):
So, you know, a lot of the things are happening and the economy, and let's take a look at the next visual for what's going on with Tesla. Okay. So Tesla is one of those stocks that rose, you know, 500 then the last 20, 20 period fiscal period. But in 2021, you know, Tesla's had a hard time and that's because its valuation is just insane. You know, 'em and, and a lot of young people are betting big on the speculative stocks. They're investing in the Ark innovation fund, which has invested heavily in Tesla. And, and it's just a bad bets because there's just no way the Tesla can manufacture enough cars to make the types of profits that would be justified by their stock valuation price.
1 (4m 3s):
So that visual showed you that the very amazing investor who predicted the housing mortgage crisis back in 2008, Michael burry, he was, he was, you know, his character was the star of the movie. The big short, and this guy is making a new, big, short he's betting $530 million that Tesla will go down this month. So he is really putting his money where his mouth is by talking about what's going on, not just with Tesla, but with the economy at large, he has been talking about how America is in danger of hyperinflation. And this is not just a, nobody.
1 (4m 44s):
This is the guy that predicted to a T and profited and made a fortune off of for predicting the mortgage crisis. So this guy, we need to pay attention to what he's doing. If you're a Tesla stock holder, I'd be very careful right now. And we're going to talk about Elon Musk and Tesla. But before that, I just want to talk about the next visual, which is what's going on with precious metals. So, you know, in this type of environment where things are crashing, you know, the housing market's crashing, Tesla might crash, it might signal a stock crash. You know, you've got inflation at all time highs. You've got the price of a lot of commodities inflated, like we talked about with copper and lumber.
1 (5m 29s):
So of course this should mean that gold and silver rise in value, which is finally happening, even though the price has been, been manipulated and tamped down. Sure enough, they can't manipulate it forever and gold and silver for the last two months have been slightly going up. So you probably are sleeping well at night. If you have those investments in silver and gold. And if you have a lot of crypto is probably hard for you to sleep at night, we, we experienced an incredible crash in crypto this past week. And let's talk about that. Let's look at how Tesla and Elon Musk actually purchased Bitcoin just a couple of months.
1 (6m 17s):
They bought $1.5 billion worth of Bitcoin. It skyrocketed in value. They made more money off of Bitcoin than they ever made off of selling cars. And then, and, and, and let's pay attention. Also. It wasn't just Tesla, you know, which is a huge company, fortune 500 company. It was also square. And, you know, let's take a look at that visual, how square was buying Bitcoin at the same time, this is unprecedented for these fortune 500 companies to put Bitcoin on their balance sheets. So squares the payment company, the founder, it's the same founder of Twitter, Jack Dorsey. And so you have these kind of innovative billionaire moguls kind of setting the tone and saying, Hey, Bitcoin is the new trendy thing to do.
1 (7m 1s):
Everyone in corporate America should follow a do what we do and inflate the price of Bitcoin. But then all of the sudden they did both Tesla and square decided to stop with their whole Bitcoin pump pumping and start doing Bitcoin dumping. So let's take a look at that. Let's take a look at how Tesla reverse course and says, no, not going to accept a Bitcoin for car purchases anymore because Bitcoin is not environmentally friendly, waste, too much energy. That's the kind of a stupid thing for a guy to say, who invested billions of dollars in Bitcoin? What's he trying to do? Just make the value of his own investment, go down.
1 (7m 43s):
Well, let's take a look at what square said at the same time. So square is that other company that seems to be coordinating with Tesla, that other billionaire seems to be coordinating with Elon Musk. And they said, they're not going to make any more Bitcoin purchases because of ecological reasons. Now they have the same information now about Bitcoin in the environment and the energy use that they had three months ago when they started going on this Bitcoin pumping scheme. So it makes no sense unless they're actually doing market manipulation and let's take a look at the next visual that shows that and on changing for sure is showing that Elon Musk made this statement.
1 (8m 28s):
Let's scroll down a little bit. Let's go down to, yeah. This one right here, Alon the lawns tweet regarding the energy use of Bitcoin at 6:06 PM Eastern and initiated a cascade of long liquidations, including 208 million within a 10 minute period. This cascade of liquidations is why the price dumped down to 46,000 was so aggressive. It's very interesting. Let's scroll down a little bit to see inflows to exchanges, presume selling spike in the time before the tweet. So a whole bunch of people that knew that Elon Musk was going to make this tweet pumped their money in to the exchanges so that they could sell it at the exact moment that he made the tweets. Well, this data makes a strong case for someone having insider information and it would be quite a coincidence to say the least.
1 (9m 15s):
So let's take that visual down. So my analysis is that Elon Musk in coordination with Jack Dorsey of Twitter and square, these two billionaires who are whales and own billions of dollars collectively of Bitcoin and other cryptocurrencies are timing their statements on Twitter that they know is going to have an affect on the cryptocurrency market. And they are letting their proxies other people that they want to benefit from this. And perhaps people that have control over their own funds to buy and sell Bitcoin and other cryptos whenever they want to, whenever they say something bad about how Bitcoin is ecologically unfriendly, well, then they tell their proxies to, to sell, you know, and when it, when it bottoms out, they tell their proxies to buy and then they make a positive statement.
1 (10m 7s):
And then all of a sudden the price pumps. So it's a pump and dump scheme. And that's why it's so scary to be a part of this market when, you know, as being manipulated so much. So, you know, you make sure you're taking all the precautions, diversifying your investments and not taking too much risk. So now we're going to bring on our co-host Jim Cutler, and we're going to start digging into what's going on politically. And let's, let's just say hello to the gym. How's it going on? The sailboat, Jim
3 (10m 37s):
Shan, really good weather here is beautiful. I'm just waiting for my quote unquote weather window, which I need to have some Southern winds to get out and into the Gulf stream and start heading north. So sometimes you gotta be patient and wait for that weather to happen in which is what I'm doing now. But again, Beaufort is a beautiful town. There are getting ready for a very, very big fishing contest down here called big rock. And so all these really big boats are starting to come in and the big 100 and 200 foot yachts and all the big sport fishers and whatnot. So exciting time for them.
3 (11m 20s):
I'm not a big sport Fisher, so it's not a big deal for me, but I do love seeing some of the big beautiful boats come in. So that's nice
1 (11m 30s):
Living in the relaxing retirement life, but in your free time, you are really paying attention to the indicators in the breaking news and doing the research. And so I'm going to ask you some questions. And while I'm asking you, let's just put a visual on the screen about Fowchee the New York post article about how he admits COVID 19 could have come from a Wu Han lab. And I'm going to ask you some questions, but we've had, you know, the governor of California and the governor of New York, kind of in a slow decline. These are two liters of the deep state. And now we have Fowchee and bill gates kind of having this coordinated decline in public favor in the mainstream media.
1 (12m 11s):
So, and this whole thing with Fowchee and ran Paul, I want to get your take on that along with the whole masks coming off the same time. So what, what are your thoughts on that, Jim?
3 (12m 23s):
Well, it's, it's I find it always very, very curious and interesting when things happen in a coincidence, in a coincidental manner and with regard to everything that's occurring now that, and the government versus what has been put into motion, if you will, by the Trump administration. Now, many of us, the you and I who have paid a very close attention to the, the plan that was put in place and the information that has come through the Q group and the behavior of people in particular is lane Maxwell, Jeffrey Epstein, you know, Fowchee, bill gates, all of these people have a relationship.
3 (13m 20s):
They all are working together and they have been doing so. So for many years, and now certain things have suddenly happened and seemingly all at the same time, you have Jeff Bezos getting divorced from his wife. You have bill gates getting divorced from his wife, and you have these laws that have been put in place by Trump that impact directly some of these people, for instance, the, the 2017 law that talks about taking assets from people who are involved in child trafficking and things like that.
3 (14m 3s):
Well, people like bill gates or the dead center of that target. So clearly they have events, vested interest in protecting their assets against forfeiture. Should they become embroiled in any of those human trafficking, people for students? Clearly, Jeffery Epstein is one of those people. And clearly bill gates has been involved with Jeffrey Epstein.
1 (14m 31s):
Let's bring it, lets bring the visual from the vice media on the screen. So, so people can, can realize how this is being put out into the public conscious right now, that connection between bill gates and Jeffrey Epstein. So even even the mainstream media people who are, you know, definitely deep state like vice media and CNN, they're putting the stuff out there. So it makes you wonder, Jim, are they trying to get ahead of a story that's coming out? Or are they being, do the white hats, have their assets within these organizations that are being activated at this time?
3 (15m 6s):
Well, this is the thing is, and you know, there's a lot of speculation kind of going all over the place, but it's, it's important to keep in mind, keep it in the back of your mind is you're watching all of this unfold. Who's really been ahead of it and has been the, the deep state and media, or has been Trump on the white hats. And there's a lot of to say that everybody's doing their part to try to stay ahead of the game, but who's really ahead of the game. And this is where some of these backstories come in, where people are acting in ways that clearly demonstrate that they are being driven by certain factors.
3 (15m 51s):
And those factors have a lot to do with the, the things that Trump and his administration and the white hats have done to force the hands of some of these people. And now, as you're seeing the situation where Trump is, you know, quote unquote out of office, and everybody believes that he is no longer a factor involved in the current politics, then it's like, okay, then why are they doing it that way? Why are they making these decisions? Now, if Trump is no longer a factor and, and so these or the, the juxtapositions that we look at, the try to determine who really is in charge.
3 (16m 37s):
And when you see people like bill by Fowchee, for example, who is really, and now in, in Congress with people like risk and ran, Paul just grilling him and really putting it to him as to what is really going on with Houlihan lab. Why are all these stories coming out suddenly? And again, coincidentally that he, his group NIH has been funding directly and through intermediaries, like at Harvard university to continue what is called gain of function research.
3 (17m 19s):
And we'll hand when it was outlawed in the United States. And you can see him visibly shaking in those interactions with Rand Paul, because he does not want to talk about, and he wants to get it off the, the, the press.
1 (17m 40s):
Yeah. You know, people really wondered people, wondered why Trump put Fowchee in charge of the whole COVID, you know, what, why was he the face of COVID and people like you and me were, were speculating the entire time. That's well, that's a strategy that that's the strategy to put the deep state as the face of this whole big mess and let it all boomerang and blow up in their face later. And that's finally, after the election, you know, this finally, what is happening now, people are really wondering it's coming on in the mainstream media. Why were we doing that gain of function research? Why was the American government giving money to China to do this type of research?
1 (18m 21s):
And the fact that it just so happens to be at the exact epicenter of the start of this, this whole epi epidemic is just too coincidental to, to think that it is a coincidence. Let's take a look on the screen of the USA today, article about the fact that the CDC, all of a sudden, not based on any new science that came out, but just so happens at this critical juncture with Fowchee being put on the spot, the CDC says, if you're vaccinated, you don't have to wear masks indoors anymore. So all of the state mandates don't need to be there anymore. And all of the corporate corporate, a, you know, all of the corporations tend to walk, lock step like home Depot, Costco, McDonald's, they're dropping their mask mandates.
1 (19m 11s):
Now they are saying you have to be vaccinated, but I don't think that the, every McDonald's employee is going to stop and ask you, do you have your vaccination card with you? I think this is just a, this is just a free pass for anyone to, to have freedom and go to any, any business they want to without a mask now. And that's a big shift because Jim, do you really think that the people who were saying one month ago that we need to wear two to three masks really wants this new policy of not wearing any masks at all? So who is in charge of this? Is that the deep state and the white ads?
3 (19m 48s):
Right? Well, this is the thing, I mean, clearly this is an uncoordinated process. And when you look at like, ah, the mainstream media and, and especially for people like Rachel Maddow, she's reacting, like this is a blind sight. Like she did not see this coming. She was not prepared. And I, and I know Rachel, and when they have a story like this she's prepared and she has her piece and they have their piece and it's all the cool, this was the most uncoordinated rollout of a decision by the CDC I've ever seen. Now, when you talk about asking somebody, if they've been vaccinated, that is absolutely against the law, you cannot ask anybody about their personal medical history at all.
3 (20m 39s):
You absolutely cannot do it in a business setting. So they knew that. So, and they had to have that. If they were to drop the mask mandate, there wasn't anything that anybody was going to be able to do to ensure that people had been vaccinated. So that was dead in the water from the get-go. And it was patently obvious for all of us to see. So that right there was a very strong proof that the deep state is losing this battle. And that this was a bit of a white flag, raising a operation to say the broadcasts to the world, that they need to make a big change in how they're doing things.
3 (21m 29s):
And to try to get back control of this narrative, which they are losing rapid. So for me, and my opinion and everything I'm seeing, I think this was a, you know, a fallback for the deep state and that it, it was pretty solid proof that they, that this is now working and that they, they need to come up with something more effective. And I've yet to see that,
1 (21m 57s):
Yeah, Trump really allowed the CDC to be the authority. And, and so now we have to listen to them when they say the mass aren't allowed. So that's an interesting turn of events. How about let's get into the, the audit and Arizona and The Dominos that could fall as a result of this forensic audits, let's show the visual of The Dominos on the screen. So the people can get an idea of what I'm talking about. So, you know, we've got this full forensic and audit and Arizona that's, you know, being wrapped up and then other audits are being rolled out in other states, which could lead to more audits like in Georgia, they're calling for a full forensic audits.
1 (22m 39s):
And of course in PA where I'm from, we had more votes than we had voters. So I think it's a pretty good place to have an audit as well. And of course, if all of these, if fraud has found in all of these states, then the elections overturned. So Jim let's, let's get into this whole audits narrative. And if, if there's something you want to show on the screen to, to make reference to, we do have the, the Washington examiner article about Michigan available.
3 (23m 10s):
Yeah. I mean, basically this is sort of a broad stroke that suddenly, and again, I want to bring attention to the coincidental nature of what is happening right now. Suddenly all these court cases are not only being heard on merit, but they're being decided in favor of the plaintiffs or the white hats who are bringing the suits. There are other suits, of course, that are being brought by dominion and other Democrats in various states. But it's really the number of suits that are being heard. The number that are being found in favor of the white hats and the fact that it's all happening suddenly right now, it's like one state after another is, is electing to do an audit and there's no stopping it.
3 (24m 4s):
There's no injunctions, there's no anything that is stopping these audience audits from going forward. So suddenly it's all of these things that Trump has talked about the entire time is now coming out and all these audits are being agreed to, and they can't survive that there's no way that they're going to be able to survive the number that we're talking about here. And the solidity with which the cruises are, are occurring in every one of the states. It's like, it's like they all got together and said, okay, now we're going to start doing the cases and we're going to start removing this whole process.
3 (24m 47s):
Oh, it's, it's quite, jaw-dropping really, when you look at the volume of court cases and how they're playing out in favor of the white hats. So again, when you think about how Trump predicted this, he, you know, they talked about this, you know, incessantly that they're going to bring these cases. And they're going to show the American people that this was a fraud and that they can prove it. And now that's happening. And the only differences, and it was a little bit later than people thought, and it came after the election.
3 (25m 27s):
Whereas people thought it was gonna happen and it was gonna save the election. But remember what Trump kept saying, and Q for that matter, people have to be shown. They have to be shown about this corruption, and this is how their B and they're seeing
1 (25m 47s):
On the screen from praying medic, because this is exactly what he was saying. That people wants the prosecution phase right away. When we bad guy doing bad things, we just want them held accountable as soon as possible. That's our, that's our human nature, but it's not always strategic to just do something like that without the full support of the public. And so from praying, Medicare says many people are sick of watching elected officials break the law and not be held accountable. The frustration is understandable. However, we are not yet at the prosecution phase of the operation. We're still in the public information phase, half the citizen citizenry are still unaware of the nature and depth of public corruption.
1 (26m 33s):
So let's take that visual down. You know, the elephant in the room is that the majority of Americans voted for Trump and they know the election was stolen. But then there was that 40%, the didn't vote for Trump and they don't know the election was stolen and they need to wake up. And, you know, this is not playing well into the deep state's Hans, because the more they resist these audits, the more they appear to be hiding something. And as Dave says from the ex 22 report, and it's not really the crime that gets you every time, it's the cover-up. So the more that they try to, you know, panic and scramble to try to, you know, accuse everyone who wants an audit of being a conspiracy theorist and go deleting databases and, and breaking into offices in the middle of the night and, and threatening different people who are trying to do these types of audits.
1 (27m 30s):
It's those types of things that are just a desperation attempts that ended up being few tile and just end up proving the points more against them. So basically I think we're sitting pretty, I think, you know, these audits are going to show the truth of fraud, and that means that's probably, it's going to have to go to the Supreme court. Now is the Supreme court going to actually do anything about it? We don't know that they are in the past, they've chosen not to do their jobs, but if, if we have the Supreme court that refuses to do their job, we have a constitutional crisis.
1 (28m 11s):
And that means the, the military has justification for intervention. So I feel confident that no matter how this plays out, that what the majority of Americans want, which is just free, fair elections, voter ID, you know, those basic democratic things it's going to happen, but it just might not happen today or tomorrow. It has to happen according to the plan,
3 (28m 36s):
Right? And the plan now let's talk about moving forward. Look, how many Americans are now getting this information who are now understanding and much more clearly how the fraud was done and where it was done and the proof that it was done in terms of these audits. Now, what are we heading into? We're heading into the midterm elections. Now, no, this information is going out into the can public and, and they're starting to move into like, yeah, there really was frauded. And yeah, I don't want to see that anymore. I don't want to see whether I'm a Republican or a Democrat.
3 (29m 19s):
I don't want to see fraud in my election process. I want that gone. Now, there's going to be a human cry for elections to be done properly and accurately the first time. So people are not going to want to hear that, you know, ballots are going to be sent out ahead of time. They're not going to want to hear that. Don't need to have signatures. They're going to push back against that again, even if they're Democrat, that is going to ensure that the upcoming elections are going to be much more fair than they've ever been. And what does that mean? That means that the Republicans are going to get voted in these midterm elections, which normally happens anyway, when you have one side of the president, the midterms almost always guarantee that you're going to see more of the opposition party and voted into the house and the Senate.
3 (30m 16s):
So that is going to really put some pressure under the, the Republican. It is getting into office and that's just the midterms. And then now with a much greater population of, of white hats in offices, then that opens the doors for the 24 election process. So can you see how this has all been set up? Can you see how everything that's happening is always pushing forward? The, the good guys and fairness and openness and, and all of the things that really all good Americans want to see happen.
3 (31m 0s):
So it's really a remarkable outcome and the trail is there and yet, and we're just watching it roll like a snowball downhill.
1 (31m 14s):
Yeah. And Biden Harris. They never really were that popular. But now that they've given the chance to lead, they've fumbled everything, the end of the crisis at the border, the gas prices, you know, the whole, just everything you can imagine that would kind of symbolize whether they're doing well or not, they've failed. And we can put the billboard on the screen now to give an idea of how
3 (31m 39s):
The public,
1 (31m 42s):
See how some of the public fields about the saddest Copal in the world. You know, this just, they're not popular. They're not liked, they're not successful. They're not winning. They're not creating any meaningful change. And there's going to be a big reaction to that in 2022 in the midterms. And it's not just that though. It's not just the reaction to the democratic party. It's, there's a reaction to the rhinos. You know, there's a reaction to Mitt Romney. He's getting booed off stage, has the reaction to Liz Cheney. She just lost her GOP conference, chair position. You know, that's all they have. The rhinos, all they had was Liz Cheney and Mitt Romney.
1 (32m 24s):
You know, now that they've lost them and they're out of favor, there is no opposition to Trump. It's, he's all of the Republican party has, and he's vetting every single candidate. And now he's actually coming out and he's saying, I don't want to wait until the 2020 for, we need to take care of what happened in 2020. And he's actually saying it out loud. It's actually going out into the news and he's being a little bit more aggressive and a little bit more in your face about planting that seed in the public's mind that, Hey, there's a possibility Trump could be back before 2020 for, so let's see what happens in 2021 first.
3 (33m 7s):
Yup. Yeah. And now we get to have his rallies back. People love those rallies. They're like a homecoming for people going to those rallies and getting infused with that optimism and, and good news is really, you know, a big charge for people. And he's going to start doing that again on top of everything else we've just talked about. We're now going to have rallies in the news every week, and that's just going to really get things rolling. So, you know, people are going to be very excited now, and this is all going to start really taking off very exciting
1 (33m 54s):
Are going to be thousands and thousands of patriotic Americans exercising their freedom, not wearing a mask and patriotically celebrating America. It's just, it's like a, the deep state's worst nightmare. You know, it's like, you know, the way the devil feels when you're just reading the Bible out loud, I mean, they just can't stand it when we're like together. When we're happy, when, when we're a force to be reckoned with when, when we're exercising her freedom, when we're not, we're not hurting each other into these types of tyrannical schemes, like with masks and, and so forth.
1 (34m 37s):
So I think you're right. I think we're really going to feel it right now. It's the calm before the storm, but we're really gonna feel that we're winning when you can see those massive celebrations. And that's such an interesting is they are celebrations. They're not like pity parties. You know, it's actually saying, oh, we, we are winning. It's that promise of victory. And ever since Trump came out after the election, Trump gave a speech at C pack and his main message was we will win. He's promising victory. He is the general that's in charge of this America first movement. And he is promising victory to all Americans.
1 (35m 18s):
So I for one have not given up and I'm going to keep on doing what I need to do at the local level, with the media and everything I need to do to just keep the dream alive, because we can not go down the other path of tyranny. It's just not an option for America.
3 (35m 36s):
Nope. Nope. You're here at optimism, radio, and that's how it's going to stay.
1 (35m 43s):
That's right. Well, thank you for tuning into a, The Sean Morgan Report. It's every 5:00 PM Eastern on Fridays and AmericanMediaPeriscope dot net. And we have our great sponsor. We're going to hear from them in just a second, but down below in the description, you'll get a link for a free consultation. So that's what the PhD economist, he can talk to you about your retirement account. And if it's possible to put some of that retirement into silver and gold, physical, silver, and gold. So let's hear from that sponsor. Now,
2 (36m 12s):
Gold is near all time highs. Has it reached this peak? Did you miss the boat? No, I don't think so. The exploding debt changing the interest rate cycle political and economic turmoil have caused the current move in gold and those things are getting worse. In fact, the Citibank projected gold to hit $3,000 an ounce over the next 12 to 18 months, I encourage you to protect and grow your investment portfolio with gold. I trust Dr. Kirk Elliott with sovereign advisors with over 25 years of experience and two PhDs. Kirk Elliott is the best, the best in the industry. Call his office at (720) 605-3900. And tell him, Sean Morgan sent you. We're just click on the link in the description to get that free consultation.