FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY By using this information, you agree to the Terms and Conditions below. To finalize a CPN you will need to do the following. First, your number came with the "State". The State of issue does not matter, at all. You may get asked what state issued your CPN as a security question when opening up a new account or credit monitoring account. Hang on to this info. You should have provided us with a new address. Remember, your new address must be one that you have never used before and is NOT associated with your name or SSN. PO Boxes, and other mail service providers like the UPS Store don’t work. The all are flagged by the credit bureaus. You can NEVER use your CPN with an old address, email or phone number that is linked to your SSN. If you do, your SSN and CPN credit files will merged. You should also have provided us with a new email address as well. You will need a new phone number to go with your new CPN file. Do not use any old phone numbers. Get a free phone number from Google Voice or a cellphone like Metro PCS or any other cell phone. The Trac Phone is a good one too! If you use Google Voice, make sure you change the announcement on the voicemail by recording a new one. Also, change the settings so that the caller will not here “please wait while the Google subscriber is contacted”. You do this in the setting mode (see Google Voice Instructions). STEP 1 : YOUR NUMBER HAS ALREADY BEEN TRI-MERGED. The first step you need to do when seeking credit approvals is to ensure your credit profile is properly indexed inside the credit bureaus database. To do this, you need to make a hard inquiry. We found this is a great way to make a hard inquiry that can help your credit profile prior to making your application attempts. 1) Go to: CapitalOne (capitalone.com); click on “see if you are pre-approved” and fill out the short application using your name, CPN, and your new CPN address. YOU WILL BE DENIED. Next, they will ask you to apply for a credit card. Apply for any card; Choose you have good credit. 2) Next, go to Barclays Bank (cards.barclaycardus.com/banking/cards/#///) apply for any card. YOU WILL BE DENIED! YOU MUST DO BOTH! The purpose of this is to place an inquiry only on your credit file and to index it with your IP area. Make Sure You 1. Use your correct name (no middle name) 2. Use your correct CPN address 3. Use your correct DOB 4. Use your correct CPN number All you want them to do is run your credit. You can use all generic/fake information. But use your Name, NEW Address, NEW phone, NEW email and CPN. YOU WILL NOT BE APPROVE AND YOU MAY GET A MESSAGE SAYING THAT THEY CAN’T FIND YOUR CREDIT FILE. THIS IS WHAT WE WANT. IF YOU ARE USING YOUR NUMBER TO RENT A HOUSE OR APARTMENT ONLY – STOP HERE AND GO TO THE RENTAL INSTRUCTIONS BELOW. ACTIVATE YOUR PUBLIC RECORDS FILE. DO THIS ASAP! This is the final step to completing the Public Records process that you must do yourself. STEP 2: 1) LIST YOUR PHONE NUMBER FOR FREE: ListYourSelf 2) Next - OPT IN- optoutprescreen.com 3) Sign up for Spotify – spotify.com/signup STEP 3: SIGN UP FOR ANY 7 OR MORE OF THE BELOW REWARD CARDS. CLICK ON: AUTOZONE PUBLISHER’S CLEARING HOUSE ACE HARDWARE BIG LOTS FOLGERS FAMOUS FOOTWARE OFFICE DEPOT DICK’S SPORTING GOODS WALGREENS JC PENNEY AFTER YOU HAVE COMPLETED THIS - YOU MUST WAIT 10 WORKING DAYS FOR YOUR PUBLIC RECORD FILE TO MATURE BEFORE YOU APPLY FOR ANYTHING BESIDES A RENTAL PROPERTY. DO NOT APPLY FOR ANYTHING UNTIL AFTER THE 10 WORKING DAYS OTHER THAN A RENTAL PROPERTY. STEP 4: AFTER THE 1O DAYS - Open up a credit monitoring service. It's 100% free: Creditreport.com CreditKarma.com Credit Sesame.com The above services do NOT show your actual FICO sores which is what banks and lenders use. I highly recommend you get your FICO scores if you plan on building credit. You can get a 7 day trial for $1;00 then is only 27.00 per month after that and this entitles you to special promotions and credit card offers as well Identity IQ –. www.member.identityiq.com/sc-securepreferred.aspx?offercode=431262W9 NOTE: Sometimes, you may not be able to open a credit monitoring service until after an actual new account or tradeline has posted to your credit report. If this should happen, do not worry about it. This is not important right now. Move one to step three. *NOTE: you can change the address on your Driver's License or ID to match your CPN now if you want. HOW TO RENT WITH A CPN AFTER YOU HAVE DONE STEP 1 – WAIT 36 HOURS TO START THIS DO NOT APPLY UNLESS 36 HOURS HAVE PAST 1) CALL THE PROPERTY YOU WANT TO APPLY FOR AND ASK IF THEY REQUIRE A CREDIT SCORE. SOME PLACES DO, SOME DON'T. IF THEY DON’T, YOU CAN APPLY. IF THEY DO, MOVE ON TO ANOTHER PLACE THAT DOES NOT REQUIRE A SCORE. YOU DO NOT HAVE A CREDIT SCORE UNTIL YOU ADD CREDIT TO YOUR FILE. IT IS COMMON FOR PEOPLE TO HAVE FILED BANKRUPTCY YEARS AGO AND HAVE A BLANK FILE OR SOME PEOPLE HAVE BEEN THE VICTIM OF IDENITY THEFT AND WERE ISSUED A NEW SSN. TELL THEM YOU HAVE NO CREDIT, BUT GOOD RENTAL HISTORY AND EMPLOYMENT AND ASK WILL THEY TAKE YOU. 2) THE ADDRESS ON YOU CPN NUMBER FILE SHOULD BE THE ADDRESS YOU USE FOR YOUR RENTAL HISTORY. USE A FRIEND OR FAMILY MEMBER AS YOUR LANDLORD AT THE ADDRESS THAT IS ON YOUR CPN FILE. YOU CANNOT USE YOUR OLD OR CURRENT ADDRESS OR LANDLORD THAT IS ON YOUR SSN FILE FOR YOUR RENTAL HISTORY. 3) ON THE APPLICATIONS SHOW AT LEAST 2 YEARS OR MORE RENTAL HISTORY. 4) YOU CAN USE YOUR JOB FOR EMPLOYMENT. YOUR EMPLOYER CAN'T VERIFY YOUR SSN OR PAY, UNLESS YOU SIGN A FORM AUTHORIZING THEM TO DO SO. 5) THEY MAY ASK FOR PAY STUBS. YOU CANNOT USE YOUR CURRENT STUBS IF THEY HAVE YOUR OLD ADDRESS AND/OR YOUR SSN OR PARTIAL SSN ON THEM. CALL US FOR PAY STUBS - $62.00 EACH *NOTE: We do suggest you change the address on your Driver's License or ID to match your CPN. STARTER CREDIT STEP FOUR: ADD AN AUTOHORIZED USER TRADELINE (SEE BELOW) OR APPLY FOR STARTER CREDIT CARDS PLEASE NOTE: THESES ARE SUGGESTIONS ONLY AND WE DO NOT GUARANTEED YOU WILL BE APPROVED. MOST PEOPLE DO GET APPROVED FOR ONE OR MORE. EASY TO GET CARDS (additional fees may be required). Click the link: Sable Card. (www.sablecard.com) < NEW – TRY THIS – EASY APPROVALS TOMO Credit (tomocredit.com) < NEW – TRY THIS Express Credit Card Get That Jewelry (getthatjewelry.com) - HIGHLY SUGGESTRED MDG (secure.mdg.com) Self Lender (self.inc) - HIGHLY SUGGESTRED Credit Strong (creditstrong.com) First Progress Secured Card (apply.firstprogress.com) First Access Visa (firstaccesscard.com) Total Visa – totalcardvisa.com New Coast Direct – newcoastdirect.com My Jewelers Club (myjewelersclub.com) Hutton Chase (huttonchase.com) OX Publishing (oxpublishing.com) OR – you may apply for just about any secured credit account. Wait for any new account to post on your credit reports before applying for more credit. If you are denied WAIT 2 DAYS BEFORE APPLYING FOR ANY OF THESE- ONLY APPLY FOR 3 AT A TIME ON THE SAME DAY *These accounts provide you with a legitimate primary trade-line and primary credit profile needed to secure more credit accounts and build a credit score. . Apply for ONLY THREE accounts in one day. Wait until you are approved or denied before applying for more. Once you have 1, 2 or 3 approvals do not apply for more credit for 90 days. Please make sure as with all applications your name, address, and CPN, EIN or SSN, is correct. STARTER ACCOUNTS LIST Self Lender (*** Highly Recommended) Self Lender is helping thousands of people begin their financial journey with a credit builder account. We understand that building a financial foundation is a daunting task for most people, so we're dedicated to building a product that will help our customers move two steps in the right direction. Benefits: • Savings plans start at $25/month and includes credit monitoring • Reports to all 3 credit bureaus. • No hard credit pull and no credit history required • Self Lender helps you get a small loan that you save in a CD for 12 or 24 months (FDIC- insured certificate of deposit bank account) • At the end of account term you've built credit history and your CD savings unlocks 8• Reports monthly to all three major credit bureaus. Summary: • One Time $9 - $15 Account Fee (Varies by Product) • 12.03% - 15.98% (Varies by Product) • Rapidly Build History on Your New Credit Profile. • This card doesn't offer cash back, miles, or points • https://www.selflender.com/ OX PUBLISHING (APPLY FOR THIS FIRST) GUARANTEED APPROVAL IS SUBJECT TO US RESIDENTS WHO AGREE TO THE TERMS AND CONDITIONS, ARE OVER THE AGE OF 18, HAVE A VALID DEBIT CARD OR CREDIT CARD, HAVE THE ABILITY TO MAKE A MONTHLY PAYMENTS OF $25 OR MORE IF THE ENTIRE CREDIT LINE IS USED AND HAVE PAID THE NECESSARY FEES FOR ENROLLMENT. ALL PAYMENTS ARE SET FOR AUTO DRAFT WITH THE DEBIT OR CREDIT CARD ON FILE. BENEFITS: • FAST 30 DAY 2 CREDIT BUREAU REPORTING. • EASY APPROVAL NO OR BAD CREDIT. • AFFORDABLE PAYMENT PLANS . • GET IMMEDIATE APPROVAL FOR UP TO $2,500.00. • GUARANTEED 100% GUARANTEED CREDIT REPORTING AND TRADELINE IF APPROVED. GETTING STARTED: • GOTO WWW.OXPUBLISHING.COM • SIMPLY COMPLETE THE BRIEF QUESTIONNAIRE, (NAME, EMAIL, PHONE) • PROCEED TO THE NEXT SCREEN / COMPLETE THE REMAINDER OF THE APPLICATION. • SELECT PAY $60.00 / THIS WILL TRIGGER IMMEDIATE CREDIT REPORTING. THESE GUYS REPORT ON THE 1ST OF EVERY MONTH. THE CUT OFF FOR CREDIT REPORTING IS THE 25TH FOR NEXT MONTH Hutton Chase (APPLY FOR THIS SECOND) Exclusive online store features products from all the major name brands you know and trust! Pay 0.00% interest on any/all purchases for the life of your Platinum Savings Club membership. With up to a $1,500 credit limit you have the power to purchase almost any item in their online store. Benefits: • Reports to major credit bureau • Fast online approval • Unsecured credit limit • No employment check • Up to $1500 initial credit line Summary: • $24.95 benefits plan membership will be auto-debited monthly • 0% APR • Rapidly Build History on Your New Credit Profile. Horizon Gold Card All horizon gold card members will receive our horizon gold merchandise card with an initial $500 credit limit provided you are 18 years of age or older, a legal U.S, resident and have furnished accurate identity and application information. You are required to have an active debit card or credit card established in your name upon final processing. Your new horizon gold card will be reported to a major credit bureau as a unsecured credit line. Benefits: • Reports to major credit bureau • Fast online approval • Unsecured credit limit • No credit check • No employment check • $500 initial credit line Summary: • $24.95 benefits plan membership will be auto-debited monthly • 0% APR • Rapidly Build History on Your New Credit Profile. • This card doesn't offer cash back, miles, or points • https://www.horizoncardservices.com/a/pg1_app.php Primor Secured Card This secured card has a high approval rating based on 1,858 reviews from current users and subscribers. And with a $39 annual fee, it’s a fairly inexpensive way to build your credit profile. Fast 3 Credit Bureau Reporting; thus fast Credit Bureau scoring. This account provides you and your clients a legitimate primary trade-line and primary credit profile needed to secure more credit accounts thus building your CPN, EIN, or SSN Credit Profile Fast. Benefits: • Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases - with no penalty rate! • No minimum credit score requirements! They invite all credit types to apply! No processing or application fees! • Helps strengthen your credit with responsible card use. Reports to all three credit bureaus. • Fast, easy application process. Choose and Fund; your credit line, and open your Personal Savings Deposit Account to secure your line. Summary: • Easy option to secure a positive primary trade-line. • You Get a Credit Card Linked to Your New Credit Profile. • Rapidly Build History on Your New Credit Profile. • https://www.securedcardchoice.com TOTAL SECURED CARD The TOTAL Card is available to people with fair, poor, or limited credit! Complete the fast and easy online application and get a response in seconds. This account provides you with a legitimate primary trade-line and credit profile needed to secure more credit accounts thus building your CPN, EIN, or SSN Credit Profile Fast. Benefits: • Initial Credit Limit of $300.00** (subject to available credit) • Fast and easy application process; response provided in seconds. • Easy application! Get a credit decision in seconds.. • A genuine Visa credit card accepted by merchants nationwide across the USA and online. • Reports monthly to all three major credit bureaus. Summary: • If approved, simply pay an $89.00 Program Fee** to open your account and access your available credit. • You Get a Credit Card Linked to Your New Credit Profile. • Rapidly Build History on Your New Credit Profile. • https://totalvisaapplication.com/?t=TP4UD5&c=16365 FINGERHUT This is a rare unsecured credit card for people with bad credit that does not charge annual, monthly or one time fees. And while you can only use it to make purchases on Fingerhut com, you don’t actually need to make any purchases to build credit. So even if you just want an easy-to-get credit card that you can open and forget about, this is a solid option. Benefits: • No major fees. The Finger hut Credit Card, more formally known as the Finger hut Credit Account, is quite unique among unsecured credit cards for people with bad credit in that it does not charge annual-, monthly- or one-time fees. That even makes it $15.88 per year cheaper than the average credit card overall. • Great way to rebuild credit. Given its low costs and the fact that you can get approved despite bad credit, the Fingerhut Credit Card is a great tool for inexpensively rebuilding your credit standing. • Easy application! Get a credit decision in seconds.. • Build your credit history – Fingerhut reports to all 3 major credit bureaus. • Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt. Summary: • Easy option to secure a positive primary trade-line. • You Get a Credit Card Linked to Your New Credit Profile. • Rapidly Build History on Your New Credit Profile. • https://www.fingerhut.com Open Sky You won’t have to pass a credit check with the OpenSky Secured Visa. As long as you have a U.S. mailing address and can verify your identity, you should have no problem getting approved. That means you can begin the credit building process immediately, regardless of any red flags in your credit history or having no credit history at all. Open Sky’s $35 annual fee is a small price to pay for that privilege if you have severely damaged credit or no credit history at all. Benefits: • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone. • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200. • Build credit quickly. OpenSky reports to all 3 major credit bureaus. • 99% of our customers who started without a credit score earned a credit score with thecredit bureaus in as little as 3 months. Summary: • Easy option to secure a positive primary trade-line. • You Get a Credit Card Linked to Your New Credit Profile. • Rapidly Build History on Your New Credit Profile. • www.openskycc.com Kohl's The Kohl’s Charge Card allows users to combine their card discounts with Kohl’s Cash, and even online coupons to maximize their savings.This account provides you and your clients a legitimate primary tradeline and credit profile needed to secure more credit accounts thus building your CPN, EIN, or SSN Credit Profile Fast. Benefits: • Get at least 12 special Kohl’s offers annually to use in-store or online if you’re a cardholder • Fast and easy application process; response provided in seconds. • Receive 30% off your first Kohl’s Charge purchase • Pay no annual fee. • Reports monthly to all three major credit bureaus. Summary: • Be careful with your spending and make payments on time since you’ll be hit with a late fee of up to $38 and a current penalty APR of 29.49%. • You Get a Credit Card Linked to Your New Credit Profile. • Rapidly Build History on Your New Credit Profile. • Also, because the Kohl’s Charge card has a 26.49% APR, it’s smart to avoid carrying a high balance in general. • https://apply.kohls.com Authorized User Tradelines Authorized user tradelines (AU’s) are typically revolving lines of credit on which someone places another as an authorized user account holder. The tradeline then appears on the user’s credit report. This is the fastest way to get a credit score. It is called an “authorized user,” because the person added is merely authorized to use the credit card, but has no obligation of repayment. YOU DO NOT GET A CREDIT CARD TO USE! In addition, the authorized user “inherits,” so to speak, the previous payment history and characteristics of the account established by the primary cardholder. This is why credit scores can increase when a person is added as an authorized user to an account in good standing (and why credit scores can decrease if that same person is added to an account in bad standing). If you add one AU to a blank credit file, your score will range from 650 to 725 after the line post. We have several AU Tradelines available and they start at around $500.00 each. Contact us for more info. Google Voice Instructions (voice.google.com) Follow the instructions to setup a Google Voice account using your NEW EMAIL address. After you have done so, open Google Voice and go to “Legacy Google Voice” Next, look for this in the top right corner Click on the wheel to get to “Settings” Choose “Call” and TURN OFF CALL SCREENING Now record your Voicemail Greeting N O T I C E N O T I N T E N D E D F O R I L L E G A L U S E . FOR EDUCATIONAL PURPOSES ONLY. BY PURCHASING A CPN FROM US, YOU AGREE TO COMPLY WITH ALL STATE AND FEDERAL LAWS. YOU ARE LEGALLY RESPONSIBLE FOR ANY DEBT YOU INCUR BY USING A CPN. IT IS YOUR RESPONSIBILITY TO INFORM ANY BANK OR LENDER THAT YOU ARE USING A CPN IN PLACE OF YOUR SSN. EMPLOYMENT, RENTAL AND PAY STUBS ARE INTENDED FOR NOVELTY USE ONLY. THIS PROGRAM IS NOT INTENDED TO BE USED AS A METHOD OF DEFRAUDING BANKS, CREDITORS, OR ANY OTHER ORGANIZATION THAT REQUIRES YOUR SOCIAL SECURITY NUMBER AS IDENTIFICATION. THIS PROGRAM IS NOT A METHOD TO AVOID PAYING YOUR EXISTING OR FUTURE DEBTS. IF YOU CREATED THE DEBT, YOU ARE RESPONSIBLE TO REPAY THAT DEBT. WE WILL NOT SUPPORT, FACILITATE, NOR CONDONE ANY FRAUDULENT ACTIVITY. THE INFORMATION HERE IS INFORMATIONAL PURPOSES ONLY AND FOR YOU TO USE AT YOUR OWN RISK. WE ARE NOT LAWYERS OR PROVIDE ANY LEGAL SERVICES OR ADVISE. WE HAVE A NO REFUND POLICY BECAUSE OF THE WORK NEEDED TO GIVE YOU THE INFO. WE HAVE POSTED THIS MESSAGE IN PLAIN SIGHT ON THE FRONT PAGE OF OUR WEBPAGE SO CONSUMERS CAN BE AWARE "CPN'S" ARE DEFINED AS ANY 9 DIGIT NUMBER WHICH MAY BE USED FOR CREDIT; SUCH AS A SSN, ITIN, TIN, OR EIN AND IT IS VERY CLEAR THE LARGEST WAREHOUSER OF CONVERTED 9 DIGIT GOVERNMENT ISSUED NUMBERS; SUCH AS, ITIN, TIN, SSN, AND EIN ARE IN FACT FOUND THROUGH OUT THE BANKING WORLD AND WITHIN THE BANKS DATABASE AND ATTACHED TO CREDIT AND LOAN FOLDER LEGALLY ORIGINATED BY THESE SAME BANKS.IT IS OUR STATEMENT THAT WE ARE NOT ENGAGING IN ANY PROHIBITED BUSINESS ACTIVITIES SUCH AS: A. REPRESENTING, EXPRESSLY OR BY IMPLICATION, THAT THROUGH THE USE OF OUR PRODUCTS OR SERVICES, CONSUMERS CAN ALTER THEIR IDENTIFYING INFORMATION TO CONCEAL ADVERSE CREDIT INFORMATION FROM CONSUMERS' CREDIT RECORDS, CREDIT HISTORIES, OR CREDIT RATINGS, INCLUDING BUT NOT LIMITED TO THE USE OF EMPLOYER IDENTIFICATION NUMBERS ("EINS"), TAXPAYER IDENTIFICATION NUMBERS ("TINS"), OR ALTERNATIVE SOCIAL SECURITY NUMBERS IN LIEU OF THE CONSUMERS' OWN SOCIAL SECURITY NUMBERS; B. REPRESENTING THAT THE BUILDING OF A NEW CREDIT RECORD BY APPLYING FOR CREDIT USING AN EIN, A TIN, OR AN ALTERNATE SOCIAL SECURITY NUMBER INSTEAD OF A CONSUMER'S OWN SOCIAL SECURITY NUMBER IS LEGAL; C. MISREPRESENTING ANY MATERIAL FACT CONCERNING THE ABILITY OF OUR PRODUCTS OR SERVICES TO PERFORM OR PROVIDE ANY CREDIT-RELATED FUNCTION FOR CONSUMERS, INCLUDING BUT NOT LIMITED TO IMPROVING CONSUMERS' CREDIT REPORTS OR PROFILES, CONSOLIDATING DEBT, OBTAINING OR ARRANGING A LOAN, OR OBTAINING OR ARRANGING ANY EXTENSION OF CREDIT; AND D. MISREPRESENTING ANY FACT MATERIAL TO A CONSUMER'S DECISION TO PURCHASE OUR PRODUCTS OR SERVICES. E. REPRESENTING, EXPRESSLY OR BY IMPLICATION, THAT THROUGH THE USE OF OUR PRODUCTS OR SERVICES, CONSUMERS CAN ALTER THEIR IDENTIFYING INFORMATION TO CONCEAL ADVERSE CREDIT INFORMATION FROM CONSUMERS' CREDIT RECORDS, CREDIT HISTORIES, OR CREDIT RATINGS, INCLUDING BUT NOT LIMITED TO THE USE OF DUN & BRADSTREET NUMBERS ("DBNS"), EMPLOYER IDENTIFICATION NUMBERS ("EINS"), TAXPAYER IDENTIFICATION NUMBERS ("TINS"), OR ALTERNATIVE SOCIAL SECURITY NUMBERS IN LIEU OF THE CONSUMERS' OWN SOCIAL SECURITY NUMBERS; F. REPRESENTING THAT THE BUILDING OF A NEW CREDIT RECORD BY APPLYING FOR CREDIT USING A DBN, EIN, A TIN, OR AN ALTERNATE SOCIAL SECURITY NUMBER INSTEAD OF A CONSUMER'S OWN SOCIAL SECURITY NUMBER IS LEGAL; G. MISREPRESENTING ANY MATERIAL FACT CONCERNING THE ABILITY OF OUR PRODUCTS OR SERVICES TO PERFORM OR PROVIDE ANY CREDIT-RELATED FUNCTION FOR CONSUMERS, INCLUDING BUT NOT LIMITED TO IMPROVING CONSUMERS' CREDIT REPORTS OR PROFILES, CONSOLIDATING DEBT, OBTAINING OR ARRANGING A LOAN, OR OBTAINING OR ARRANGING ANY EXTENSION OF CREDIT; AND H. MISREPRESENTING ANY FACT MATERIAL TO A CONSUMER'S DECISION TO PURCHASE OUR PRODUCTS OR SERVICES. BY PURCHASING OR USING ANY OF OUR PRODUCTS, YOU AGREE TO COMPLY WITH ALL STATE AND FEDERAL LAWS. IT IS YOUR DUTY AND RESPONSIBILITY TO INFORM ANYONE THAT ASK FOR YOUR SOCIAL SECURITY NUMBER, THAT YOU ARE USING A CPN WHEN APPLICABLE. ANY DOCUMENT OR OTHER SERVICES PROVIDED BY US ARE INTENDED FOR NOVELTY USE ONLY AND YOU AGREE BY ACCEPTING THEM TO ONLY USE THEM FOR LEGAL AND LAWFUL PURPOSES OR FOR SUCH THINGS AS IMPRESSING YOUR FRIENDS WITH YOUR EMPLOYMENT, EARNINGS OR LIVING STANDARDS.
