Copyright © 2021 BBI Consulting Ltd. (“The Company”). BBI Consulting Ltd. is a parent company, which operates as The Investing Academy (www.theinvestingacademy.ca) and manages a YouTube channel (www.youtube.com/brandonbeavisinvesting)
The information contained on the above websites is intended solely to provide education and entertainment and is for the personal use of the viewer, who accepts full responsibility for its use. The information is provided with the understanding that the authors and publishers are not herein engaged in rendering investment, legal, accounting, tax, or other professional advice or services. As such, it should not be used as a substitute for consultation. The contributors on the websites are not licensed in any jurisdiction to provide investment advice, thus, none of the content on the websites should be construed as investment advice. If you are planning to invest, always seek the advice of a licensed and qualified individual.
The above websites and the information contained therein are owned and operated by BBI Consulting Ltd. The websites and all text, data, graphics, photographs, images, audio, video, trademarks, service marks, trade names and other information, visual or other digital material, software (including source code and object codes) and all other content of any description available on this website (collectively, the “Content”) are the property of The Company. These websites and the Content are protected by Canadian and international copyright, trade-mark and other applicable laws. Your use of these websites does not transfer to you any ownership or other rights in these websites or its Content. The websites are made available to you for your lawful, personal, non-commercial use only. The Content may not be copied, imitated, reproduced, republished, uploaded, posted, transmitted, modified, indexed, catalogued, mirrored, sold, broadcasted, circulated or distributed in any way, in whole or in part, without the express prior written consent of BBI Consulting Ltd. Without limitation, you may not post any content from the websites to newsgroups, mail lists or electronic bulletin boards without the prior written consent of The Company and links to and frames of the sites are strictly forbidden.
Certain names, graphics, logos, icons, designs, words, titles or phrases at the websites may constitute trade names, trademarks or service marks of BBI Consulting Ltd. Nothing contained on the websites should be construed as granting, by implication, estoppel or otherwise, any license or right to use any mark displayed on the websites without the written permission of BBI Consulting Ltd. or such third parties who may own the marks displayed on the websites.
No Warranties; Limitation of liability; Indemnification
BBI CONSULTING LTD. DOES NOT ACCEPT ANY LIABILITY FOR YOUR USE OF THESSE WEBSITES. YOUR USE OF THE WEBSITES IS AT YOUR OWN RISK. THE WEBSITES AND THE CONTENT IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY REPRESENTATIONS, WARRANTIES OR CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AND INCLUDING, WITHOUT LIMITATION, IMPLIED REPRESENTATIONS, WARRANTIES OR CONDITIONS OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE, ALL OF WHICH ARE HEREBY DISCLAIMED BY BBI CONSULTING LTD. TO THE FULLEST EXTENT PERMITTED BY LAW. BBI CONSULTING LTD. DOES NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE OR CORRECT; THAT THE WEBSITES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, THAT YOUR ACCESS TO THE WEBSITES WILL BE UNINTERRUPTED; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; THAT THE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR THAT THE CONTENT IS TIMELY, SECURE OR ERROR-FREE. BBI CONSULTING LTD. WILL NOT UNDER ANY CIRCUMSTANCES BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY LOSS OR DAMAGE (WHETHER DIRECT, INDIRECT, SPECIAL, INCIDENTAL, ECONOMIC, OR CONSEQUENTIAL, EXEMPLARY OR PUNITIVE) ARISING FROM, CONNECTED WITH, OR RELATING TO THE USE OF, OR INABILITY TO USE, THE WEBSITES OR THE CONTENT, OR ANY ACTION OR DECISION MADE BY YOU OR ANY OTHER PERSON IN RELIANCE ON THE WEBSITES OR THE CONTENT, OR ANY UNAUTHORIZED USE OR REPRODUCTION OF THE WEBSITES OR THE CONTENT.
By using these websites, you agree to defend, indemnify and hold harmless BBI Consulting Ltd., its affiliates and their respective licensors and partners and their respective employees, officers, directors, or agents from any and all claims, liabilities, costs and expenses, including without limitation, reasonable legal fees and other legal expenses whether in tort, contract or otherwise, relating to or arising out of your use of the websites, connection thereto, or any alleged violation of you by these terms.
Information contained herein is only intended for general information purposes only and is subject to change without notice. Such information does not constitute an offer to buy, sell or solicit sales to anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. It also does not constitute an offer to sell or a solicitation to purchase securities of any entity, including any entity in which BBI Consulting Ltd. or any of its affiliates directly or indirectly invests. BBI Consulting Ltd. reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the websites (or any part thereof) with or without notice. From time to time, BBI Consulting Ltd. may also amend the terms contained herein by posting revisions on this website with no additional notice to you. The information is current as of the date indicated on the site and BBI Consulting Ltd. assumes no obligation to update the information or advise on further developments relating to the securities mentioned at this site. The information contained on the websites is “unaudited”, unless explicitly specified otherwise. The websites are not intended to provide advice of any kind, including without limitation, investment, financial or legal advice. BBI Consulting Ltd. and its directors, officers and employees and companies with which they are associated may, from time to time, hold the securities mentioned at these sites. This website may contain links to third-party websites. These links are provided solely as a convenience to you and not as an endorsement by The Company. BBI Consulting Ltd. is not responsible for the content or accuracy of materials on such third-party websites. If you decide to access linked third-party websites, you do so at your own risk. Such websites may be governed by terms and conditions different from those applicable to this website, and we encourage you to review the terms and privacy policies of those third parties before using such websites.
The websites and the terms contained herein are governed by the laws applicable in the Province of British Columbia, Canada. All disputes arising from these terms must be resolved exclusively by the courts of the Province of British Columbia. By using the websites, you represent and warrant that your use complies with applicable law in your jurisdiction of residence.
The information contained on this site is not directed to persons or entities outside of Canada and does not constitute an offer or solicitation by anyone in any other jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation, unless otherwise exempt from securities legislation.
The terms contained herein as well as any other notices posted on the websites constitute the entire agreement between you and BBI Consulting Ltd. with respect to your use of the websites. If any provision of these terms is held to be invalid or unenforceable, such provision will be struck and the remaining provisions enforced. Notwithstanding any other provisions of these terms, any provision of these terms that imposes or contemplates rights or obligations on you or us will survive the expiration or termination of these terms and/or the websites, including, without limitation, the limitation of liability and indemnification provisions.
All videos and writings are for informational purposes only. All opinions expressed herein are not investment recommendations and are not meant to be relied upon in investment decisions. The author(s) is(are) not acting in an investment advisor capacity and is(are) not a registered investment advisor. The author recommends investors consult a qualified investment advisor before making any trade. This article is not an investment research report, but an opinion written at a point in time. The author's opinions expressed herein address only a small cross-section of data related to an investment in securities mentioned. Any analysis presented is based on incomplete information, and is limited in scope and accuracy. The information and data in this article are obtained from sources believed to be reliable, but their accuracy and completeness are not guaranteed. Any and all opinions, estimates, and conclusions are based on the author's best judgment at the time of publication, and are subject to change without notice. Past performance is no guarantee of future returns.
Disclaimer: No Earnings Projections, Promises Or Representations
You recognize and agree that we have made no implications, warranties, promises, suggestions, projections, representations or guarantees whatsoever to you about future prospects or earnings, or that you will earn any money, with respect to your purchase of BBI Consulting Ltd’s products and/or services, and that we have not authorized any such projection, promise, or representation by others.
Your success in using the information or strategies provided at theinvestingacademy.ca depends on a variety of factors. We have no way of knowing how well you will do, as we do not know you, your background, your work ethic, your dedication, your motivation, your desire, or your business skills or practices. Therefore, we do not guarantee or imply that you will get rich, that you will do as well, or that you will have any earnings at all.
Internet businesses and courses, and earnings derived therefrom, involve unknown risks and are not suitable for everyone. You may not rely on any information presented on these websites or otherwise provided by us, unless you do so with the knowledge and understanding that you can experience significant losses (including, but not limited to, the loss of any monies paid to purchase BBI Consulting Ltd.’s products and/or services, and/or any monies spent setting up, operating, and/or marketing BBI Consulting Ltd.’s products and/or services, and further, that you may have no earnings at all.
Forward-Looking Statements. MATERIALS CONTAINED ON THESE WEBSITES OR IN MATERIALS PURCHASED AND/OR DOWNLOADED FROM THE WEBSITES MAY CONTAIN INFORMATION THAT INCLUDES OR IS BASED UPON FORWARD-LOOKING STATEMENTS WITHIN THE MEANING OF THE SECURITIES LITIGATION REFORM ACT OF 1995. FORWARD-LOOKING STATEMENTS GIVE OUR EXPECTATIONS OR FORECASTS OF FUTURE EVENTS. YOU CAN IDENTIFY THESE STATEMENTS BY THE FACT THAT THEY DO NOT RELATE STRICTLY TO HISTORICAL OR CURRENT FACTS. THEY USE WORDS SUCH AS “ANTICIPATE,” “ESTIMATE,” “EXPECT,” “PROJECT,” “INTEND,” “PLAN,” “BELIEVE,” AND OTHER WORDS AND TERMS OF SIMILAR MEANING IN CONNECTION WITH A DESCRIPTION OF POTENTIAL EARNINGS OR FINANCIAL PERFORMANCE.
ANY AND ALL FORWARD-LOOKING STATEMENTS HERE, IN OTHER MATERIALS CONTAINED ON THE WEBSITES OR IN MATERIALS PURCHASED AND/OR DOWNLOADED FROM THE WEBSITES ARE INTENDED TO EXPRESS OUR OPINIONS. MANY FACTORS WILL BE IMPORTANT IN DETERMINING YOUR ACTUAL RESULTS AND NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE RESULTS SIMILAR TO OURS OR ANYBODY ELSE, IN FACT NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE ANY RESULTS FROM OUR IDEAS AND TECHNIQUES IN OUR MATERIAL.
You are advised to do your own due diligence when it comes to making investment decisions and should use caution and seek the advice of qualified professionals. You should check with your investment advisor, accountant, lawyer, or other professional advisor, before acting on this or any information. You may not consider any examples, documents, or other content on these websites or otherwise provided by us to be the equivalent of professional advice. Nothing contained on these websites or in materials available for sale or download on these websites provides professional advice in any way.
We assume no responsibility for any losses or damages resulting from your use of any link, information, or opportunity contained within these websites or within any information disclosed by the owner of this site in any form whatsoever.
Purchase Price. Although we believe the price is fair for the value that you receive, you understand and agree that the purchase price for BBI Consulting Ltd.’s products and/or services has been arbitrarily set by us. This price bears no relationship to objective standards.
While BBI Consulting Ltd. uses reasonable efforts to include accurate and up-to-date information in the Site, the Company makes no warranties or representations as to its accuracy. The Company assumes no liability or responsibility for any errors or omissions in the content of the Site.
When you register with the Company and/or this Site, you expressly consent to receive any notices, announcements, agreements, disclosures, reports, documents, communications concerning new products or services, or other records or correspondence from the Company. You consent to receive notices electronically by way of transmitting the notice to you by email.
If you send comments or suggestions about the Site to the Company, including, but not limited to, notes, text, drawings, images, designs or computer programs, such submissions shall become, and shall remain, the sole property of the Company. No submission shall be subject to any obligation of confidence on the part of the Company. BBI Consulting Ltd. shall exclusively own all rights to (including intellectual property rights thereto), and shall be entitled to unrestricted use, publication, and dissemination as to all such submissions for any purpose, commercial or otherwise without any acknowledgment or compensation to you.
The Company shall use commercially reasonable efforts to restrict unauthorized access to our data and files. However, no system whether or not password protected can be entirely impenetrable. You acknowledge that it may be possible for an unauthorized third party to access, view, copy, modify, or distribute the data and files you store using the Site. Use of the Site is completely at your own risk.
NEITHER THE COMPANY NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR MAINTAINING THE SITES AND/OR ANY CONTENT ON THE SITES SHALL BE LIABLE UNDER ANY CIRCUMSTANCES FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO OR USE OF THE SITES. WITHOUT LIMITING THE FOREGOING, ALL CONTENT ON THE SITES IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OF THE MATERIALS IN THE SITES, THE RESULTS OF THE USE OF SUCH MATERIALS, THE SUITABILITY OF SUCH MATERIALS FOR ANY USER’S NEEDS OR THE LIKELIHOOD THAT THEIR USE WILL MEET ANY USER’S EXPECTATIONS, OR THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR CORRECTION. THE COMPANY LIKEWISE DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS OR GUARANTEES THAT YOU WILL EARN ANY MONEY USING THE SITES OR THE COMPANY’S TECHNOLOGY OR SERVICES. YOU ACCEPT ALL RESPONSIBILITY FOR EVALUATING YOUR OWN EARNING POTENTIAL AS WELL AS EXECUTING YOUR OWN BUSINESS AND SERVICES. YOUR EARNING POTENTIAL IS ENTIRELY DEPENDENT ON YOUR OWN EXECUTION OF YOUR INVESTMENT PLAN; THE TIME YOU DEVOTE TO THE PROGRAM, IDEAS AND TECHNIQUES OFFERED AND UTILIZED; AS WELL AS YOUR FINANCES, YOUR KNOWLEDGE AND YOUR SKILLS. SINCE THESE FACTORS DIFFER AMONG ALL INDIVIDUALS, THE COMPANY CANNOT AND DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS OR GUARANTEES REGARDING YOUR SUCCESS OR INCOME LEVEL. THE COMPANY DOES NOT WARRANT THAT USE OF THE MATERIALS WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITES, THE CONTENT, AND/OR THE MATERIALS AVAILABLE ON THE SITES ARE FREE FROM BUGS OR VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ASSUME ALL RESPONSIBILITY FOR THE COST OF ALL NECESSARY REPAIRS OR CORRECTIONS. THE COMPANY SHALL NOT BE RESPONSIBLE FOR ANY PERFORMANCE OR SERVICE PROBLEMS CAUSED BY ANY THIRD-PARTY WEBSITE OR THIRD-PARTY SERVICE PROVIDER. ANY SUCH PROBLEM SHALL BE GOVERNED SOLELY BY THE AGREEMENT BETWEEN YOU AND THAT PROVIDER. Please note that the applicable jurisdiction may not allow the exclusion of implied warranties. Some of the above exclusions may thus not apply to you.
IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT, PUNITIVE, RELIANCE OR CONSEQUENTIAL DAMAGES, WHETHER FORESEEABLE OR NOT, INCLUDING, BUT NOT LIMITED TO, DAMAGE OR LOSS OF PROPERTY, EQUIPMENT, INFORMATION OR DATA, LOSS OF PROFITS, REVENUE OR GOODWILL, COST OF CAPITAL, COST OF REPLACEMENT SERVICES, OR CLAIMS FOR SERVICE INTERRUPTIONS OR TRANSMISSION PROBLEMS, OCCASIONED BY ANY DEFECT IN THE SITES, THE CONTENT, AND/OR RELATED MATERIALS, THE INABILITY TO USE SERVICES PROVIDED HEREUNDER OR ANY OTHER CAUSE WHATSOEVER WITH RESPECT THERETO, REGARDLESS OF THEORY OF LIABILITY. THIS LIMITATION WILL APPLY EVEN IF THE COMPANY HAS BEEN ADVISED OR IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES.
You agree to indemnify and hold BBI Consulting Ltd. and each of its directors, officers, employees, and agents, harmless from any and all liabilities, claims, damages and expenses, including reasonable attorney’s fees, arising out of or relating to (i) your breach of this Agreement, (ii) any violation by you of law or the rights of any third party, (iii) any materials, information, works and/or other content of whatever nature or media that you post or share on or through the Sites, (iv) your use of the Sites or any services that the Company may provide via the Sites, and (v) your conduct in connection with the Sites or the services or with other users of the Sites or the services. The Company reserves the right to assume the exclusive defense of any claim for which we are entitled to indemnification under this Section. In such event, you shall provide the Company with such cooperation as is reasonably requested by the Company.
This agreement shall be governed by and construed in accordance with the laws of British Columbia, without giving effect to any principles of conflicts of law. You further submit to the exclusive jurisdiction of the provincial courts sitting in Vancouver, BC. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.
BBI Consulting Ltd. respects the privacy concerns of the users of its website, www.kajabi.com and the services provided therein (the “Site”). The Company thus provides this privacy statement to explain what information is gathered during a visit to the Sites and how such information may be used.
Use of Information: As a general policy, no personally identifiable information, such as your name, address, or e-mail address, is automatically collected from your visit to the Sites. However, certain non-personal information is recorded by the standard operation of the Company’s internet servers. Information such as the type of browser being used, its operating system, and your IP address is gathered in order to enhance your online experience.
The Sites’ various mailing lists, downloads, special offers, contests, registration forms, and surveys may request that you give us contact information such as your name, mailing and/or e-mail address, demographic information such as your age and gender, and personal preference information such as your preferred software and interests. Information submitted at the time of submission will be used by the Company only as necessary for our legitimate business interests, including without limitation the improvement of our products, services and the contents of the Sites. The Company may also share such information with our business and promotional partners to further those interests. Personally identifiable information is never sold or leased to any third parties. With your permission, we may use your contact information to send you information about our company and products. You may always opt-out of receiving future mailings as provided below. The Company does not store any credit card information it may receive in regard to a specific transaction and/or billing arrangement except as necessary to complete and satisfy its rights and obligations with regard to such transaction, billing arrangement, and/or as otherwise authorized by a user.
The Company may disclose user information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference (either intentionally or unintentionally) with the Company’s rights or property, other users of the Site, or anyone else that could be harmed by such activities.
The Company may also be required to disclose personal information in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.
Children Age 16 and Under: The Company recognizes the special obligation to protect personally identifiable information obtained from children age 16 and under. AS SUCH, IF YOU ARE 16 YEARS OLD OR YOUNGER, THE COMPANY REQUESTS THAT YOU NOT SUBMIT ANY PERSONAL INFORMATION TO THE SITE OR TO THE COMPANY. If the Company discovers that a child aged 16 or younger has signed up on the Site or provided us with personally identifiable information, we will delete that child’s identifiable information from our records.
Kajabi nonetheless encourages parents to go online with their kids. Here are a few tips to help make a child’s online experience safer:
- Teach kids never to give personal information, unless supervised by a parent or responsible adult. Includes name, address, phone, school, etc.
- Know the sites your kids are visiting and which sites are appropriate.
- Look for Website privacy policies. Know how your child’s information is treated.
- Check out the FTC’s site for more tips on protecting children's privacy online
Malware/Spyware/Viruses: Neither the Company nor the Site knowingly permit the use of malware, spyware, viruses, and/or other similar types of software.
Bulletin Boards and Chat Areas: Guests of the Site are solely responsible for the content of messages they post on the Company’s forums, such as chat rooms and bulletin boards. Users should be aware that when they voluntarily disclose personal information (e.g., username, e-mail address, phone number) on the bulletin boards or in the chat areas, that information can be collected and used by others and may result in unsolicited messages from other people. You are responsible for the personal information you choose to submit in these instances. Please take care when using these features.
Choice/Opt-Out: The Site may provide you the opportunity to opt-in to receive communications from us at the point where we request information about you. You always have the option of removing your name from any e-mail list in order to discontinue any such future communications. In order to ensure immediate removal from any list, please follow the specific instructions set forth within the communications you receive from the Company which you no longer wish to receive. If you are unsuccessful in completing the instructions specified in any such communication, please e-mail us at [email protected], including a copy of the undesired email attached to the request, and state you wish to be removed from the mailing list.
Transfer of Information Across National Borders: Our site and various information we collect are operated on servers located in various jurisdictions, including the United States. When you access or use the Site and/or our services, personal information about you may be transferred outside the country in which you are situated to these other locations. The Company’s policies ensure that such personal information is protected to the same standard when processed by any Company entity or office around the world. We also ensure that appropriate contracts containing standard data protection clauses approved by the European Commission to protect that information and the rights of individuals are in place with any and all third-party service providers we may use.
Your Access to and Control Over Your Personally Identifiable Information: At any time, but only once per calendar year, or as otherwise required under applicable law, users may contact BBI Consulting Ltd. to review the personally identifiable information that Company has collected about you. If you discover any errors, please notify BBI Consulting Ltd. and the information will be corrected. To review the personally identifiable information that BBI Consulting Ltd. has collected about you, please send an email to [email protected] with the subject line: “Personal Information Review Request.” Users may also request that BBI Consulting Ltd. delete a user account(s) or, if you have not established a user account, your email address, and any related data at any time. If you wish to delete your user account(s), please email us at [email protected] with the words “Delete Account” in the subject line. If you do not have a user account and wish to delete your email address or other personally identifiable information that you might have provided through your use of the Site, any Games, and/or any Services, please email us at [email protected] with the words “Delete My Information” in the subject line.
You may also choose to confirm that the Company does not use your personal information in certain ways and/or to otherwise “opt out” of certain uses of that personal information, including without limitation (i) when your personal may to be disclosed to a third party unrelated to the Company and/or parties directly related to providing your Services and/or (ii) when your personal information may be used for a purpose that is materially different from the purpose(s) for which it was originally collected or subsequently authorized by you. If you wish to limit your personal data in either such way, or have other questions about how the Company may use your personal data, please contact us at [email protected] with the words “Privacy Request” in the subject line.
Contact Information for Complaints or Concerns: If you have any complaints or concerns about the Company or about this privacy statement, please contact:
Via email: [email protected]
Information provided by you via general e-mail inquiries to the Company such as your e-mail address is used only to respond to your inquiries in the ordinary course of business and is never shared with third parties.
Security/How Your Personally Identifiable Information Is Protected: Security for all personally identifiable information is extremely important to us. We have implemented technical, administrative and physical security measures to attempt to protect your personally identifiable information from unauthorized access and improper use. We also protect your personally identifiable information offline. Only employees who need the information to perform a specific job (for example, customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment. We continually review all such measures and update them when appropriate. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, BBI Consulting Ltd. cannot ensure or warrant the security of any information you transmit via the internet. By transmitting any such information to BBI Consulting Ltd, you accept that you do so at your own risk.