Quotes & Sayings About Payment

Economic power is exercised by means of a positive, by offering men a reward, an incentive, a payment, a value; political power is exercised by means of a negative, by the threat of punishment, injury, imprisonment, destruction. The businessman's tool is values; the bureaucrat's tool is fear. — Ayn Rand

If rather than setting the minimum balance as the lowest possible amount, so we keep people in debt for as long as possible, we raise the minimum payment and encourage people to pay off their credit cards, we're going to make less money, but we're going to have costumers that are more solvent. — Richard Thaler

Certain things need not be said, and there's nothing, not a whisper, prayer, not a sacrifice, not a payment of any price, that would change what's about to happen. — Alice Hoffman

Being good does make a difference. You will not receive praise or payment for it, and other people will mistake your goodness for weakness, but it resonates among people you won't even meet. — Jessica Zafra

People often do a good deed without hope of reward, but for an evil deed they always demand payment. — L. Frank Baum

In 1872, Western Union (by then the dominant telegraph company in the United States) decided to implement a new, secure scheme to enable sums of up to $100 to be transferred between several hundred towns by telegraph. The system worked by dividing the company's network into twenty districts, each of which had its own superintendent. A telegram from the sender's office to the district superintendent confirmed that the money had been deposited; the superintendent would then send another telegram to the recipient's office authorizing the payment. Both of these messages used a code based on numbered codebooks. Each telegraph office had one of these books, with pages containing hundreds of words. But the numbers next to these words varied from office to office; only the district superintendent had copies of each office's uniquely numbered book. — Tom Standage

Are you honest with the Lord in the payment of your tithes? Living this divine law will bring both spiritual and material blessings. — Ezra Taft Benson

Much sweat, much pay - Less sweat, less pay. — Auliq Ice

The Court's majority holds that the Establishment Clause is no bar to Ohio's payment of tuition at private religious elementary and middle schools under a scheme that systematically provides tax money to support the schools' religious missions. — David Souter

Of course, in the process, you must never do harm to others in any serious way, or you'll cease to amuse Him. Then payment comes due for promises you didn't keep. — Dean Koontz

Rena noticed me watching it pass. 'You think they don't got problem?' Rena said. 'Everybody got problem. You got me, they got insurance, house payment, Preparation H.' She smiled, baring the part between her two upper teeth. 'We are the free birds. They want to be us. — Janet Fitch

Before we even consider expanding Medicare, or another program based on its rates, we must reform our Medicare payment system so that it rewards value, not volume, and doesn't disadvantage states like Minnesota that provide high-quality care in an efficient way. — Amy Klobuchar

After a moment, his father looked up from the list and surveyed her. "Well done, Champion. Well done indeed."
Then Celaena and the King of Adarlan smiled at each other, and it was the most terrifying thing Dorian had ever seen.
"Tell my exchequer to give you double last month's payment," the king said. Dorian felt his gorge rise- not just for the severed head and her blood- stiffened clothing, but also for the fact that he could not, for the life of him, find the girl had loved anywhere in her face. And from Chaol's expression, he knew his friend felt the same.
Celaena bowed dramatically to the king, flourishing a hand before her. Then, with a smile devoid of any warmth, she stared down Chaol before stalking from the room, her dark cape sweeping behind her.
Silence. — Sarah J. Maas

I arrived at my hut in Beverly Hills just in time to keep real estate men from plotting off and selling my front yard. They will sell you anything or anybody's in the world as long as they can get a first payment ... It used to be only Iowa that was out here but now they have three or four adjoining states interested and they are here, too. Real estate agents - you never saw as many in your life; they are as thick as bootleggers. — Will Rogers

All I need as payment is a smile. That just really pushes me forward so that I'm always capturing the next opportunity to develop myself. — Debbi Fields

Your true value is determined by how much more you give in value than you take in payment. — Bob Burg

Money is the general medium of exchange. It is the thing for which all other goods are traded, the means of final payment for such goods on the market. — Murray Rothbard

why the rating agencies weren't more critical of bonds underpinned by floating-rate subprime mortgages. Subprime borrowers tended to be one broken refrigerator away from default. Few, if any, should be running the risk of their interest payment spiking up. As most of these loans were structured, however, the homeowner would pay a fixed teaser rate of, say, 8 percent for the first two years, and then, at the start of the third year, the interest rate would skyrocket to, say, 12 percent, and thereafter it would float at permanently high levels. — Michael Lewis

The true principle of taxation is the benefit principle - those who benefit from a government service should pay for it. It's also known as the 'user pay' principle. Every effort should be made to link the payment of taxes or fees to the cost associated with the government service. — Mark Skousen

You don't pay taxes; they take them from your check. That's not a payment - that's a 'jack. — Chris Rock

True salvation is wholly a work of God. It is said to be both a finished work and a gift, and, therefore, it lays no obligation upon the saved one to complete it himself, or to make after payments of service for it. — Lewis Sperry Chafer

To withhold deserved praise lest it should make its object conceited is as dishonest as to withhold payment of a just debt lest your creditor should spend the money badly. — George Bernard Shaw

I get so frustrated when people tell me it's unrealistic to create an eight-month emergency savings fund, or have money saved for a home down payment, or pay off their $5,000 credit card balance. — Suze Orman

It all comes down to interest rates. As an investor, all you're doing is putting up a lump-sump payment for a future cash flow. — Ray Dalio

Since there is no orderly way to liquidate the federal debt, we must brace for a payment crisis. — Hans F. Sennholz

Words change their meanings, just as organisms evolve. We would impose an enormous burden on our economy if we insisted on payment in cattle every time we identified a bonus as a pecuniary advantage (from the Latin pecus , or cattle, a verbal fossil from a former commercial reality). — Stephen Jay Gould

I have learned that to have a good friend is the purest of all God's gifts, for it is a love that has no exchange of payment. — Frances Farmer

I have found that one of the commonest causes of unhappiness among my patients is that they are attempting to live their lives on the deferred payment plan. They do not live, or enjoy life now, but wait for some future event or occurrence. They will be happy when they get married, when they get a better job, when they get the house paid for, when they get the children through college, when they have completed some task or won some victory. Invariably, they are disappointed. — Maxwell Maltz

You know Chad's definition of the New Poor? People who are too far behind with time-payments on next year's model to make the down-payment on the one for the year after? — John Brunner

Accepting experiences is through the understanding that everybody was born equal, no labels, no social status, no preconceptions just born a little person preparing to grow-up on what ever path is grown from development, environment and/or otherwise everybody has the right to have a roof over their head, three meals a day, a wage/payment which can support themselves and their families, a benefit system that cares for the disabled and people with mental illnesses, a government that looks out for all it's people, wars quenched not and man made barriers be fallen so every person knows the commonality of being human is that everybody is all different and let people be novices to other peoples experiences so another person gains anew. People all deserve the right to be equal. — Paul Isaacs

Latin America is very fond of the word "hope." We like to be called the "continent of hope." Candidates for deputy, senator, president, call themselves "candidates of hope." This hope is really something like a promise of heaven, an IOU whose payment is always being put off. It is put off until the next legislative campaign, until next year, until the next century. — Pablo Neruda

Now I know my Redeemer lives. I know my Redeemer lives. Let all creation testify let this life within me cry. I know my Redeemer. He lives to take away my shame. And He lives forever I'll tproclaim That the payment for my sin was the precious life He gave. But now He's alive and there's an empty grave — Nicole C. Mullen

But spirituality, it seems to me, when answering the question, "Why should I be good? Why should I care for others?" says, "Because that is the best, most fulfilling way to live" Whether or not you receive an award or a payment is incidental. You are good and kind and loving because it is right, even though it is difficult sometimes. It fulfills the highest law, to treat others as we wish to be treated. — Philip Gulley

Just for a while": Death's opening chat-up line in His great seduction, before he drugged you with soporific comforts, distracted you with minor luxuries and ensnared you with long-term payment plans.
Join the Rat Race "just for a while."
Concentrate on your career "just for a while."
Move in with your girlfriend "just for a while."
Find a bigger place, out in the burbs "just for a while."
Lie down in that wooden box "just for a while. — Christopher Brookmyre

Francisco, I did love you-' she said, and caught her breath, shocked, realizing that she had not intended to say it and, simultaneously, that this was not the tense she had wanted to use.
'But you do,' he said calmly, smiling. 'You still love me-even if there's one expression of it that you'll always feel and want, but will not give to me any longer. I'm still what I was, and you'll always see it, and you'll always grant me the same response, even if there's a greater one that you grant to another man. No matter what you feel for him, it will not change what you feel for me and it won't be treason to either, because comes from the same root, it's the same payment in answer to the same values. No matter what happens in the future, we'll always be what we were to each other, you and I, because you'll always love me. — Ayn Rand

Whoever wants light, should give light, so he receives his payment. — Samael Aun Weor

Strictly speaking,' said the King of Fairies between mouthfuls, 'I'm leasing you this food on a limited, bite-by-bite basis and a generous payment-deferral plan. I'd have thought someone would have told you about Fairy food. You always pay, lad. I'm not running a charity delicatessen. — Catherynne M Valente

This was payment for all he'd done for me. I would shut up, shut down, and deal with it. I could handle it. I'd handled worse. — Pepper Winters

In a fully free society, taxation-or, to be exact, payment for governmental services-would be voluntary. — Ayn Rand

The payment for sins can be delayed. But they can't be avoided. — Shawn Ryan

When we think about labor, we usually think about motivation and payment as the same thing, but the reality is that we should probably add all kinds of things to it - meaning, creation, challenges, ownership, identity, pride. — Dan Ariely

Its selection and vetting process. The workers, for their part, can hope for a steady flow of jobs and prompt payment with minimal fuss. Handy's computer system also tries to schedule each worker's jobs in such a way as to minimise travel time. — Anonymous

This product that was on TV was available for four easy payments of $19.95. I would like a product that was available for three easy payments and one complicated payment. We can't tell you which payment it is, but one of these payments is going to be hard. The mailman will get shot, the envelope will not seal, the stamp will be in the wrong denomination. The final payment must be made in wampum. — Mitch Hedberg

We will understand the depth of our vision when at some point we are finally faced with the price we must pay to achieve it. And when the price comes calling, most visions end up falling. — Craig D. Lounsbrough

Is a blowjob acceptable payment for a tire change or does the headboard need to rock? — Kristen Ashley

I don't take checks, but I do accept most forms of foreplay and sex as payment. — Gail McHugh

Then, Patrick, you do feel it too? You do feel ... something? It would be so bleak if you felt nothing. That's what scares women, you know.'
'I do know, and you needn't be scared. I feel something all right.'
'Promise me you'll always treat me as a person.'
'I promise.'
'Promises are so easily given.'
'I'll fulfill this one. Let me show you.'
After a shaky start he was comfortably in the swing of it, having recognised he was on familiar ground after all. Experience had brought him to see that this kind of thing was nothing more than the levying of cock-tax, was reasonable and normal, in fact, even though some other parts of experience strongly suggested that what he had shelled out so far was only a down payment. — Kingsley Amis

To be a housewife is to be a member of a very peculiar occupation, one with characteristics like no other. The nature of the duties to be performed, the method of payment, the form of supervision, the tenure system, the market in which the workers find jobs, and the physical hazzards are all very different from the way things are in other occupations. — Barbara Bergmann

To make themselves feel better, my patrons would make presents of money or jewellery, but I found a much more valuable form of payment." Secrets, I think. That's what Finnick told me his lovers paid him in, only I thought the whole arrangement was by his choice. "Secrets," he says, echoing my thoughts. "And this is where you're going to want to stay tuned, President Snow, because so very many of them were about you. But let's begin with some of the others. — Suzanne Collins

Blast it! Where is that letter?"
Sophia pulled it from her pocket. "I have it here."
Sir Reginald's voice lifted with amazament. "You took that from me? When we were-"
"Yes," she said, her color high. "I thought you'd sold my jewelry and that the envelope contained the payment. I wanted proof,so I took it."
"By kissing me?"
Outside, lightning cracked.
"You kissed him?" Dougal demanded.
"Only once."
"Actually, it was twice," Sir Reginald said softly.
Dougal punched him, sending the dandy flying into the wall, where he slid to the floor.
"B'God, that's a nice one!" Red cried. "MacLean, I'd like to see you in a real mill."
"Aye," the earl agreed. "He's got a good solid left."
"What do you know about boxing? Red asked rudely.
"I've seen every large match for the last-"
Thunder crashed as lightning sent shards of light flashing into the great hall.
"That's enough," Dougal said firmly, noting Sophia's pale face. — Karen Hawkins

The movie industry had it better in the '30s and '40s, in terms of gender equality, than it does now, both in payment and in job ratios. It's ludicrous. Are we in the modern world, or what? — Daryl Hannah

Everybody would be better off if they could buy housing for only, let's say, a carrying charge of one-quarter of their income. That used to be the case 50 years ago. Buyers had to save up and make a higher down payment, giving them more equity - perhaps 25 or 30 percent. But today, banks are creating enough credit to bid up housing prices again. — Michael Hudson

1. Keep speculation and investments separate.
2. Don't be fooled by a name.
3. Be wary of new promotions.
4. Give due consideration to market ability.
5. Don't buy without proper facts.
6. Safeguard purchases through diversification.
7. Don't try to diversify by buying different securities of the same company.
8. Small companies should be carefully scrutinized.
9. Buy adequate security, not super abundance.
10. Choose your dealer and buy outright. (Babson abhorred any type of margin or installment payment plans and, in fact, claimed he never borrowed money.) — Kenneth L. Fisher

When it comes to work - hurry, hurry, hurry. When it comes to payment - delay, delay, delay. Caste, religion, family background nothing. Talent everything. — Aravind Adiga

Themselves: "Give back (apodidomi) to Caesar the property that belongs to Caesar ... " The verb apodidomi, often translated as "render unto," is actually a compound word: apo is a preposition that in this case means "back again"; didomi is a verb meaning "to give." Apodidomi is used specifically when paying someone back property to which he is entitled; the word implies that the person receiving payment is the rightful owner of the thing being paid. — Reza Aslan

I thought we were a team," Annis said.
Tanith looked down at her. "We are a team."
"And Sabine? Wasn't she part of it, too?"
"She was a very important part. She was payment."
"Are you going to betray us like you betrayed her? — Derek Landy

She planted that terror of debt so deeply in her children that even now, in a changed economic pattern where indebtedness is a part of living, I become restless when a bill is two days overdue. Olive never accepted the time-payment plan when it became popular. A thing bought on time was a thing you did not own and for which you were in debt. She saved for things she wanted, and this meant that the neighbours had new gadgets as much as two years before we did. — John Steinbeck

Dishonorable people do not honor their arrangements. A bill of sale only requires payment, a contract only requires completion, and/or a debt merely requires a payment. — Akutra-Ramses Atenosis Cea

Always give more in service, than you receive in payment, and customers will beat a path to your door. — Denis Waitley

Love, friendship, respect, admiration are the emotional response of one man to the virtues of another, the spiritual payment given in exchange for the personal, selfish pleasure which one man derives from the virtues of another man's character. Only a brute or an altruist would claim that the appreciation of another person's virtues is an act of selflessness, that as far as one's own selfish interest and pleasure are concerned, it makes no difference whether one deals with a genius or a fool, whether one meets a hero or a thug, whether one marries an ideal woman or a slut. — Ayn Rand

As slaves we were this country's first windfall, the down payment on its freedom. After the ruin and liberation of the Civil War came Redemption for the unrepentant South and Reunion, and our bodies became this country's second mortgage. In the New Deal we were their guestroom, their finished basement. And today, with a sprawling prison system, which has turned the warehousing of black bodies into a jobs program for Dreamers and a lucrative investment for Dreamers; today, when 8 percent of the world's prisoners are black men, our bodies have refinanced the Dream of being white. Black life is cheap, but in America black bodies are a natural resource of incomparable value. — Ta-Nehisi Coates

I think Twitter is the future of communications and Square will be the payment network. — Jack Dorsey

Prostitutes are paid for taking their clothes off. Celebrities are paid for putting others' clothes on. — Mokokoma Mokhonoana

A ban on paid priority is central to any real net neutrality proposal, beginning with the Snowe-Dorgan Bill of 2006. Indeed, the notion of 'payment for priority' is what started the net neutrality fight. — Marvin Ammori

Well I am afraid that I am going to die, because I have just put a down payment on a house. — David Thewlis

This was not because he was cowardly and abject, quite the contrary; but for some time past he had been in an overstrained irritable condition, verging on hypochondria. He had become so completely absorbed in himself, and isolated from his fellows that he dreaded meeting, not only his landlady, but anyone at all. He was crushed by poverty, but the anxieties of his position had of late ceased to weigh upon him. He had given up attending to matters of practical importance; he had lost all desire to do so. Nothing that any landlady could do had a real terror for him. But to be stopped on the stairs, to be forced to listen to her trivial, irrelevant gossip, to pestering demands for payment, threats and complaints, and to rack his brains for excuses, to prevaricate, to lie - no, rather than that, he would creep down the stairs like a cat and slip out unseen. — Fyodor Dostoyevsky

To vote is like the payment of a debt, a duty never to be neglected, if its performance is possible. — Rutherford B. Hayes

Chrysler invented rebates, I'm sorry to say. I didn't have anything to do with that. A lot of flaky deals were made in order to give the customer enough cash for a down payment. — Lee Iacocca

The Openbucks Gift Card Payment Network taps into a whole new market of consumers that either by choice or due to limited resources may not have been able to previously buy goods online. — Jerry Yang

Those carrying a credit card balance should scale back to making the minimum payment each month so they have more money to put into savings. — Suze Orman

In America, conscription is unknown; men are enlisted for payment. Compulsory recruitment is so alien to the ideas and so foreign to the customs of the people of the United States that I doubt whether they would ever dare to introduce it into their law. — Alexis De Tocqueville

I very rarely use a credit card, but I do if I know I have big bills coming and I need to stagger payment. — Andrea McLean

Payment or financial support provided to ministers, pastors, church conferences, and religious organizations should be considered gifts. — Terrence Jameson

Man was entering under false pretenses the sphere of incredible facilities, acquired too cheaply, below cost price, almost for nothing, and the disproportion between outlay and gain, the obvious fraud on nature, the excessive payment for a trick of genius, had to be offset by self-parody. — Bruno Schulz

He was tempted to park the SUV illegally, since, according to his calculations, the authorities were not likely to catch up with him and demand payment of the parking ticket before the end of the world, but it seemed that most of the people of Seattle were still obeying the rules and so he did likewise. — Neal Stephenson

I believe that what works for the consumer is to be able to determine what they can pay
even if it is nothing. (Just joking.) Unfortunately, so many depend on credit for living expenses, and the lower payments helped them in the immediate term. I am OK with that. For those who want their minimum to be more, you don't have to wait on your credit issuer to increase the payment
do it on your own. For others, at this time, I think it's a horrible idea. — Trina

Now, I came to everyone else's rescue. Screw the knights in shining armor. This beauty of the night came to your rescue with pointed fangs and skintight leather then, as a thank-you, sucked your blood in payment. — Eve Langlais

Gratitude is not a payment for a kindness but another form of gift. — Michael Josephson

Any human being who accepts the help of another, knows that good will is the giver's only motive and that good will is the payment he owes in return. — Ayn Rand

You - " Mr Bellstrode began, and then leaning forward and sinking his voice, "You would kill for money?"
"Is there any other reason to? Well, I suppose there is revenge, but that, you know, never makes one feel as well as it should when it is all said and done. Money is a much better reward than retribution. Something substantial by way of compensation for emotional wrongs is much the best cure for an injured spirit. I do provide fatal retaliation for nothing when it is deserved, but as you are neither a poor helpless wretch nor the victim of national injustice, full payment is expected. — Michelle Franklin

In Heaven, there are no debts - all have been paid, one way or another - but in Hell there's nothing but debts, and a great deal of payment is exacted, though you can't ever get all paid up. You have to pay, and pay, and keep on paying. So Hell is like an infernal maxed-out credit card that multiplies the charges endlessly. — Margaret Atwood

There is nothing in existence available without payment. If you want to know yourself, you will have to drop all false identities. They are your investments, they are your power, they are your prestige, they are your religion, they are your qualifications. It is difficult to drop them; it feels like death. — Rajneesh

God's unconditional love is a very difficult concept for people to accept because, in the world, there's always payment for everything we receive. It's just how things work here. But God is not like people! — Joyce Meyer

He could now see his life opening before him, uncomplex and inescapable as a barren corridor, completely freed now of ever again having to think or decide, the burden which he now assumed and carried as bright and weightless and martial as his insignatory brass: a sublime and implicit faith in physical courage and blind obedience, and a belief that the white race is superior to any and all other races and that the American is superior to all other white races and that the American uniform is superior to all men, and that all that would ever be required of him in payment for this belief, this privilege, would be his own life. — William Faulkner

For you, o broker, there is no other principle but arithmetic. For me, commerce is of trivial import; love, faith, truth of character, the aspiration of man, these are sacred; nor can I detach one duty, like you, from all other duties, and concentrate my forces mechanically on the payment of moneys. — Ralph Waldo Emerson

Gold still represents the ultimate form of payment in the world. Fiat money in extremis is accepted by nobody. Gold is always accepted. — Alan Greenspan

Briefly, the State is that organization
in society which attempts to maintain a
monopoly of the use of force and violence in a given territorial area; in particular, it is the only
organization in society that obtains its revenue not by voluntary contribution or payment for
services rendered but by coercion. — Murray N. Rothbard

I love language, words, and all the lovely, exciting, and heart wrenching things you can do with them. Pick the right ones, put them in the right order, and you've created a moment in time where the reader forgets about the late car payment, the dirty dishes, the impending workweek. You have created a state of bliss. Or negligence, depending on your perspective. — Darynda Jones

Lenders look at potential borrowers from many angles before extending credit: How much of its income will a household need to put into debt repayment? How large is the down payment? Does the borrower have a job with a stable income? What is the borrower's credit score? — Mark Zandi

He put his hand on a waist-high bit of wall, and a chunk of stone immediately shook loose. It landed on his boot, crushing his great toe. Logan kicked it aside and ground out a curse.
He turned in time to see Rabbie extending an open palm in Callum's direction. "I'll take my payment now."
Callum resentfully dug a coin from his sporran and placed it in Rabbie's hand.
Logan had had enough of their mysterious chatter. "Explain yourselves."
"I'm just settling a wager with Callum," Rabbie said.
"What kind of bet?" he demanded.
"As to whether you bedded your wee little English bride on the wedding night." Rabbie grinned. "I said no. I won."
Damn. Was his frustration that obvious?
Logan thought of the way he'd just cursed at a rock.
Yes, it probably was.
-Rabbie, Callum, & Logan — Tessa Dare

Individual sins (committing a homosexual act, doing drugs, getting drunk, etc.) aren't what send you to hell. Your sins have been forgiven, but the sin that'll send you to hell is not accepting the payment for those sins. Everything revolves around how you respond to Jesus. — Andrew Wommack

They were nothing more than modern day pagan worshippers. Congregants of a religion built on greed and hedonism. The trading floor served as their shrine; the phones as their Holy Grail; and the clients as the prophets who would entitle them to choose between putting the next down payment on a Lamborghini or a Mercedes — Soroosh Shahrivar

Hey, we live each day, start each day, as if we had an endless number stretching out ahead of us. We don't, but that's how one has to face the day, right? I see an analogy with writing fiction: the story at hand probably won't come off well, and even if it does, it probably won't get published, but if it does there won't be any payment for it - and even if there is, almost nobody will read it, and most who do won't understand or like it. But you go ahead and write the story. What choices do you have? There's always silence, but that won't do for me." - Gordon Weaver (who is suddenly my hero, even though I don't know who he is). — Gordon Weaver

There is indeed a certain sense of gratification when we do a good deed that gives us inward satisfaction, and a generous pride that accompanies a good conscience ... These testimonies of a good conscience are pleasant; and such a natural pleasure is very beneficial to us; it is the only payment that can never fail. On Repentance — Michel De Montaigne

When reconciling great hatred there will some remain. How can it be made good? Therefore the wise man accepts the debit side of the account and does not have to enforce payment from others. — Lao-Tzu

Apparently I write as a hobby, payment appears to be out of the question. — Roy A. Higgins

A life for a life
but what if the life offered as payment meant losing three others? — Sarah J. Maas

The expansionary operations of the Second Bank of the United States, coupled with its laxity toward insisting on specie payment by the state banks, impelled a further inflationary expansion of state banks on top of the spectacular enlargement of the central bank. Thus, the number of incorporated state banks rose from 232 in 1816 to 338 in 1818. — Murray Rothbard

I'm not a fan of debt consolidation. In my experience, many people "clear" credit cards and other debt to get the one payment and never change what they need to change to prevent getting into debt again. — Michelle Singletary

In D.C., I've passed amendments to allocate $6.3 million to keep our waterways open for business, $1 million as a down payment on our wetland restoration - our natural storm protection - and $5 million to ensure that drilling permits are reviewed thoroughly and efficiently. — Cedric Richmond