Sometimes… no matter how much experience… there are ways to screw up… as I recently did.
See below how this mistake can not only bring extra cheer to you in 2010… but can help you gain wealth… better health… asset protection and make you a hero (or heroine as the case may be) as well. Plus save you some cash as well!
First let me share how rosy our holiday has been… filled with Ecuador roses. (Roses like this will be part of your heroship because in a minute you’ll see how to get an Ecuador rose bouquet absolutely free…. exactly at the most important time.)
We received 100 roses… we had ordered 50 and a kind reader sent us 50 more. Thank you Barry! After sharing, we still had a number of wonderful bouquets around the house.
Some have become wilted by now.
Though they are not so great on the stems… they still look good on…
off the stalks on…
our dining room table.
The pinks really held up and remain in our kitchen.
These roses lasted nine days because we care for them. Instructions are included when you get Ecuador roses.
Other good ones have regrouped into a New Year’s bouquet standing in our living room.
Readers loved their Ecuador roses as well.
One wrote: Just wanted to send a note about the roses. They are breathtaking. We cannot believe just how beautiful they are. Arrival was exactly on schedule, again they are perfect. We got them for our own house, which is an Assisted Living Facility for the Developmentally Disabled, six men with mental challenges live here with us. But the roses are so lovely we are allowing them to take some to their families. We want to thank you and yours for sharing with us such a lovely gift. Makes us want to move even more. You will definitely be getting more orders in the future from us AND our friends.
Now let me confess… my screw up. Then we’ll share two great benefits (an Ecuador rose gift and more) that this error can bring to you.
Merri and I have been conducting seminars for over 30 years.
In that time we have learned many lessons. For example… one important lesson is… do not conduct a seminar anywhere near Christmas, Easter or Valentine’s Day.
So what did I do for 2010?
Before I admit everything, please let me mitigate this screw up by saying that scheduling these events is not the easiest task in the world.
One has to take into account US holidays, Canadian holidays…. Ecuadorian holidays… religious holidays of all sorts… what one’s competitors are doing, what our friends at Jyske Bank are doing plus in 2010 we have a Cotswold wedding to factor in (our youngest daughter is to be married… yea!) as well.
Plus our business has really boomed. By last October, when we normally schedule our seminars for the year ahead… I was already being bombarded with requests for a 2010 schedule.
What more can I say. I simply goofed under pressure and set up our first ever expanded Quantum Wealth International Business & Investing seminar for Feb. 11-14 in Mt. Dora, Florida.
In other words this course’s schedule is not near… not close… but right on Valentine’s Day. I shudder!
Plus once our schedule is set and reservations come in…the dates are pretty well set in stone. In the last 30 years or so I have missed a seminar only twice… once when my dad died and once last year when my mother had a serious illness. (She has recovered really nicely thank you very much).
If Merri, our kids and my mom (plus me of course) are breathing and are likely to continue to do so for a week… then our seminars are conducted!
So I realized: “I had to turn lemons into lemonade.”
I had to create a Valentine’s celebration as part of our February seminar.
I have done this in three ways so here is what I am going to do for you…. to make you a Valentine’s hero!
If you attend our course this February 11 to 14 and bring your partner! I’ll give you a bouquet of beautiful Ecuador roses to enjoy at the seminar. If your spouse does not come, you can take the roses home… The course ends about noon so you can get back home on Valentine’s Day, and with some of the nicest roses you can imagine, to say “Happy Valentine’s Day”!
You’ll be a Valentine’s hero!
Yet there are two more great Valentine’s treats in the works… that will make you a Hero with a capital H. We’ll see these other benefits in a moment.
First, let me describe the benefits (beyond being a Valentine HERO) of attending the seminar.
The seminar begins in Mt. Dora (about an hour from Orlando airport) Thursday February 11 with “Quantum Wealth” a one day workshop conducted before our regular Florida International Investing & Business Made EZ seminar.
This workshop helps you learn how to attain wealth continuously, effortlessly, in a fulfilling, enjoyable and positive way. This workshop will help you stop worrying about money, bad governments, the falling dollar… inflation and all the future other horribles. Quantum Wealth reduces stress… improves health and helps income to flow from doing what you love.
We have been incorporating the ideas of Quantum Health and Quantum Wealth into our courses and seminars for decades… but our February 2010 Florida schedule made it possible to devote an entire day to this portion of the course.
Delegates enjoy coming to our home during the “Quantum Wealth – International Business & Investing Seminars” Here is a group at our North Carolina home.
The foundation of Quantum Wealth is to integrate:
* Logic with intuition. The benefit is increased prosperity from better adaptation to change.
* Desire with action. The benefit is more enjoyment and fulfillment from life.
* Good health with everlasting wealth. The benefit is reduction of stress, more energy and feeling better.
Join us here, this February at…
our new Florida home…where we will enjoy a Valentine’s Day celebration.
Bringing delegates to our home for a home cooked meal is an example of a quantum wealth benefit.
This is fun.
Yet there is more. This process helps delegates hear, see and feel the authentic reality of the ideas we share. We do not spout ivory tower, unattainable theory. Our seminars share what we do… how we live… and how we have developed our lifestyle. Our mission is to help you see what we do, so you can blend our lessons into a lifestyle that is better… happier… richer…easier for you.
I have never heard of other seminars offering this… an integration of what we speak about with our actual “at home” lifestyle.
Here are the 21 main points we cover in our one day Quantum Wealth Workshop.
#1: Quantum mechanics & frequency how they all connect.
#2: Three aspects of being – air – fire – water… how to balance and integrate them.
#3: Three ways to integrate brain waves and be in the zone… 60 cycle sound… L- theanine and meditation.
#4: The Andean – Indian Connection. How Ayurved and Andean relate. Three fundamentals of longevity. Eat right, work hard and sleep well. Nutrition, exercise and purpose.
#5: How dis-ease develops and is stopped.
#6: Nutritional goals: Improve digestion, avoid dis-ease here first.
#7: How to use cleansings. Melon, pineapple, apples-grapes, vareshna, chelating, cinnamon-sweet pepper tea, steam and mists.
#8: Teas. How and when to use cedron, chamomile, lemon verbena, peppermint.
#9: Relaxers. How to use chamomile, valerian, lettuce and milk, hot water, vata press.
#10: Fire reducers. How to use peppermint tea, aloe, cream massage, frozen grapes.
#11: Water reducers. How to use cinnamon tea, paprika, cloves, ginger, ginger-black salt and lemon juice.
#12: The power of ritual & routine. When to eat, think, exercise.
#13: How to spot imbalances. Moods, physical signs. pulse testing.
#14: Quantum leap. How energy, colors, organs, glands work together and change every seven years.
#15: Shamanic exercises-yoga, llama walk, lizard, sun salute, crab and mouth release, ring chew, etc.
#16: Deeper Digestion.
#17: How to use the senses, taste, six flavors.
#18: How to use color.
#19: How to use sound.
#2o: How to use essential oils.
#21: How to gain Super Thinking abilities, increased intelligence and super thinking into our Super Thinking + Spanish for many years but now have added this to our international investing and business seminars to create quantum wealth.
There are at least three simple ways to turn on this super thinking ability: meditation, listening to 60 cycle music and taking Theanine.
These three steps integrate four categories of brainwaves, ranging from beta waves, the fastest of the four different brainwaves to alpha, theta and the final brainwave state, delta. Delta brainwaves are of the greatest amplitude and slowest frequency. Deep dreamless sleep takes you down to the lowest frequency.
When we allow these waves to interconnect freely we gain unimaginable intellect.
Merri and I meditate twice every day to tap into this energy.
Plus we listen to 60 beat ten cycle classical music as we work. You could count the number of times we have missed our meditation routine in the last 20 years on one hand. This helps us enormously.
This type of music, along with deep breathing exercises for relaxation moves the mind into Alpha and deeper states as well.
Health benefits are gained as blood pressure can drop, heart rates slow and the mind becomes calmed… and you become smarter. You tap into your higher intelligence and are more likely to have… and enjoy… success.
A third avenue that helps enhance intelligence is Theanine (chemical name: r-glutamylethylamide) one of the chemicals found in green tea. Theanine is used to reduce stress and anxiety without the tranquilizing effects found in many other calming agents. Scientific evidence shows that Theanine stimulates the brain’s production of alpha waves, making the user feel relaxed but alert and not drowsy. It also helps the body produce other calming amino acids, such as dopamine, GABA, and tryptophan. As might be expected from a calming supplement, Theanine may be able to lower elevated blood pressure as well.
Our Quantum Wealth workshop looks at how to use super thinking to tap into deeper intelligence and what to do with this intelligence in business, investing and life so you improve the way you absorb, retain, recall information and think forever. The one day Quantum Wealth workshop prepares you to gain more from the international investing segment of the course that starts Friday February 12 when I join Thomas Fischer of Jyske Global Asset Management and our webmaster to review where to invest in 2010.
Here is Thomas speaking at a previous seminar.
Quantum wealth shares our lifestyle. International Business & Investing shares how we create income through service and invest globally… plus shares our most valuable contacts and sources of knowledge.
Inflation makes it increasingly hard for almost everyone to keep up with the faster and faster pace of the rat race that captures most of the world…especially in economic downturns we have experienced for the past two years.
International investments and international business unlocks the restrictions of the rat race.
Economic stress grows…debt…rising cost of insurance, increased liability…inflation lurk everywhere. More crowded…more change…more push. The falling dollar and economic hard times are shredding purchasing power.
This leave us few choices.
We can join the rat race or…find enjoyable ways to invest and earn.
The second day of the seminar (Friday Feb 12) looks first at multi currency investing. Multi currency portfolios are usually slow moving, safe, conservative investments but they can be really profitable as well.
The portfolios we create and review at our courses are composed of mutual funds and shares and are developed with the help of one of the world’s safest banks. The mutual funds and shares are held at that bank at all times.
Suppose we get specific.
That safe bank is Jyske Bank…well established with a history of over 100 years. Jyske is Denmark ’s second largest bank, with 450,000 clients in Denmark and over 30,000 abroad.
Jyske Bank has over 23 billion euros in assets and also happens to be one of the leading currency traders in the world. The Danes have always been big currency traders because as a small naval country surrounded by England , Sweden , Finland , Russia , Germany , Norway and other countries…they have always had to deal in many currencies.
This historically gained expertise means that unlike most banks (that trade only eight hours a day) Jyske maintains a 24 hour global currency and commodity dealer service. Many other large banks use Jyske to handle their off hour currency positions. This means that Jyske is huge when it comes to multi currency activity. In fact their turnover reaches $50 billion dollars a day.
Each course reviews global economics and updates ways to adapt and prosper in current conditions.
This portion of the course reviews what I am doing as multi currency investor myself. For example during the 2008 downturn the recent Global Portfolio Currency Breakdown of my own personal portfolio looked like this.
Ecuador Real Estate 12.0%
Real Estate 31.0%
Emerging market Currencies 10.0%
Danish kroner 9.9%
British pound 6.0%
Swedish kroner 4.0%
Australian $ 1.0%
Canadian $ 1.0%
By late 2009 that portfolio had shifted to
US $ Real Estate 50%
Non US Equities 3%
Emerging Bonds 11%
Ecuador Real Estate (for sale) 15%
US$ Short -5%
my liquid portfolio was diversified in these currencies:
$ Bloc 16.0%
Euro bloc 61.0%
Emg Curr 25.0%
Now I have made another big shift in my portfolio. At the seminar you’ll see my updated portfolio and why I have made these changes.
Most teachers do not actually share their own personal portfolios… Just as Merri and I share our home and lifestyle, we share how we invest and explain why our portfolio is designed for our circumstances at any one time.
This provides you with two benefits. First, sharing why we adjust our investments helps you understand how to adjust yours.
Second, and most important, we invest real time. The data shared in our courses is about global investments you can make in the here and now. What you learn is not dated theory, but up to the minute fact! Many delegates come to course after course to update their portfolios.
We share our most valuable sources of information as well.
For example, Thomas Fischer Senior VP of Jyske’s Global Asset Management group will join us from Copenhagen to speak about where to place your current international investment allocation… along with four others… six of our friends and most valued sources if data… will be on hand to help you.
My personal investment adviser Anders Nielsen, also with Jyske, will be on hand to speak privately and answer any of your personal questions. Our friend and tax attorney of more than 20 years, Joe Cox will share information at the seminar as well.
Here I am with Anders at a previous global investment session.
Here are a few of the international investing and business subjects we review at this course.
#1: How 100 years of global economics can enhance your international investments and international business now. Learn how history reveals currency distortions that create international investment opportunities to borrow low and deposit high. For example right now you can borrow Japanese yen at below 3%, Swiss francs below 4% to invest in international investments, international business, international real estate or other international currencies that pay 5%, 6%, 7% and even more. In one case we’ll show why it is smart to borrow Swiss francs at 3.75% and invest in international Brazilian bonds that pay up to 10% or more!
Subjects in the international investments sessions include a review of global stock markets, international currencies and international interest rates and how they are shifting versus the greenback.
Another session looks at where to find the best value international investments globally right now, plus how to spot the hottest international investment trends before they become hot.
We also cover how to cash in on currency shifts by making international investments through the Multi-Currency Sandwich (Borrow Low-Deposit High) tactic. This is a perfect time for such international investments using diversification of currencies and taking advantage of the currency distortions that now plague investors around the world.
Currency experts from Jyske Bank (Thomas Fischer was a currency trader for many years and Jyske is one of the major currency trading banks in the world) will provide data at that course on this subject.
We’ll study international investment portfolios that offer the advantage of diversification, in several cases into nine currencies and nine different investments of which more than half have strong A to AAA ratings. We will review any changes made in the international investments portfolios we track and update what and how currencies and interest rates may move in the months ahead.
#2: We’ll look at international investments in emerging stock markets and emerging bond markets as well. 2007 was the seventh consecutive calendar year in which international investments in emerging markets outperformed developed markets. In 2007 the MSCI overall Emerging Markets benchmark was up 23.8 % in US dollars compared to the MSCI World Total Return Index being down 0.08 % in US dollars. See why 2008 fared worse for emerging markets and how this creates more potential value.
In 2008 emerging markets fell faster and further than major markets… but once again in 2009 they led the global investment pack. Anders Neilsen, my Jyske account manager, is one of Jyske’s bond experts and will be on hand to answer bond questions.
This February’s International invest sessions look at which blend of emerging and major markets may work best in 2010.
How profitable? Though Jyske Global Asset Managers have been extremely conservative this year, their managed portfolios have risen between 12.2% and 34.4% depending of the risk profile and the size of arrangement.
Those with more emerging markets in 2009 made even more. The emerging markets index (in US dollars) was up 58.99% compared to 23.05% for the major market index. Over three years the index on emerging markets was up 37.88% versus 17.27% for the world index. The emerging market index was up 35.63% compared to the world’s index rise of 18.43% over five years.
Then emerging markets recorded their highest ever quarterly returns in the second quarter 2009, and posted strong gains for the third quarter, up 37.4% in three months, which ranked as the ninth best in equity market history.
You’ll learn why in 2009 we were investing in BRIC countries (Brazil, Russia, India and China).These 4 countries now generate approximately 27% of the world´s Gross Domestic Product (GDP). The average annual GDP growth of a BRIC nation was greater than 7% before the recession, as compared to approximately 2% for a G-7 nation. In the first three quarters of 2009, the growth rate for the Chinese economy beat expectations with an outstanding 8.9%. We’ll look at a special BRIC trading idea in our 2010 seminars.
#3: One session will especially focus on international investments in alternate energy and water. For example we’ll see why Hyflux (water cleaning membranes mainly in China ) rose from $1.50 to $5 in less than a year (and why it then fell dramatically). We’ll see why water shares are destined to grow. We’ll look at Vestas (windmills) shares also up from $50 to $106. Plus we’ll update our Green Portfolio. These shares are especially interesting now as they were especially depressed in the global meltdown.
This course goes far beyond just international investments in stocks, bonds and currencies. Other sessions cover:
#3: How to cash in on distortions in international real estate from Ecuador to Lithuania! We have gained much more than just profit and international business and international investing opportunity in our international real estate searches. We have gained incredible luxury, heart- warming sweetness, breath-taking beauty, much better health and pleasant surprises at every turn. Having lived, worked and played in Ecuador now for over a decade and a half, we’ll focus heavily there, but Ecuador real estate opportunity is just one small part.
For example we’ll see how to own Ecuador and Smalltown USA real estate for pleasure and profit.
The third session of the course looks at how have an international business for fun and profit.
Merri and our webmaster, David Cross join me in the third part of the seminar to look at how to have a small international internet business.
This portion of the seminar is highly practical and usable because it focuses on how to start really small…with minimal investments of time and capital.
Plus we show how to stay small (yet highly profitable) if desired. International business sessions include:
#1: How to have an International and Ecuador Import-Export Business anywhere.
We’ll especially zero in on Ecuador export business opportunities in carved wood, ceramics from Cuenca, carpets from Guano, silver and gold jewelry from Chordeleg, paintings and art, textiles from Otavalo, leathers from Cotacatchi and flowers from the Andes . For example you’ll learn how factories make bread dough jewelry that can be fashioned into high school and college mascots and purchased for pennies apiece (to be sold for dollars abroad). You see how the only native American owned mill produces coats, shirts, sweaters, hats, gloves and scarves in school colors of your choice (at really low prices). These can be sold for ten times their cost.
Here is what one delegate to our course wrote: “Warm greetings for you and Merri! I’ll be on that list of Millionaire women very soon, thanks to your wonderful guidance and tips. Thank you SO MUCH for the good work that you both do!!!”
Another shared this: “I love to travel, but since I’m not independently wealthy, I also need to make money. I made one of my dreams come true. I went to Ecuador . I attended Gary & Merri Scott’s import/export seminar, we visited artists, markets and villages. It was a treat to see the great variety of handmade items and meet the friendly artists. I started to see the possibilities. I filled my suitcases in no time. Most of those things were sold to coworkers and friends and covered the costs of my trip. Yeah!”
“I returned to Ecuador in October. I spent two weeks attending Spanish classes in Quito and the next two weeks shopping. Once home, I sold my goods at an international bazaar and again paid for my trip expenses.
“Do I plan to continue? You bet! I have ideas for other places to sell my goods and some great material for travel articles. I am learning more each trip and gaining experience and confidence and most importantly, I love doing it! Attending your workshop was the catalyst that gave me the courage to take the plunge. Thank you for enriching my life.”
#5: How to write and use publishing, seminars and how to use international internet opportunities to create your own global business from your home. You can run your global business from an office or at home! The internet makes this more possible than ever before.
In the course we use case studies of what we are doing now to show how to start small and grow on the internet! Imagine this. Merri and I have a tiny international business. Just two of us run this operation from a remote farm in the Blue Ridge, a small village in Ecuador and the Florida countryside. Yet our website is ranked among the top 20,000 sites in the USA.
By starting small and building with stepping stones and harmonious foci we now almost own several profit generating phrases at Google.
At the course, we look at how we use the Seven Ps (Person, Problem and Promise, Product) to zero in on key phrases. Then we use the Fifth P Promise to develop new customers. The Sixth P the Prospecting Path and Seventh P the Presentation we use at the internet.
This knowledge has really helped previous course delegates. Here is what one previous delegate just shared:
“Gary , I have been working on my website, healthy-holistic-living.com site and I figure it is time for another update. It is really hard to believe it, but my site just keeps growing and growing and I am now averaging 2000 visitors per day!
“What I find to be most amazing is that in just a few short months my site is #1 out of over a million sites and sometimes even millions of sites! As you always say the internet is the ‘Great Equalizer’ anybody given the right tools can compete on the internet.“
You will learn how to use the same system to expand (or start) your business globally!
#6: How to Cash in on Smalltown USA.
We’ll look at properties for sale in Central Florida. These areas have two unique features. First, they offer great real estate value. Second, they are great places to visit and live and do business.
Many readers combine a trip to our Florida or Blue Ridge courses with a chance to look around and inspect some property for sale. Learn how demographics and population push (plus the water) and new Florida investments that have come to this area are likely to make this a hot spot in the decade ahead. In Florida they often visit Orlando about an hour away… plus look at the great lake front properties available at really low prices.
We’ll introduce you to brokers we have used in Florida at the seminar.
#7: How to use the latest tax savings and offshore legal structures to gain the ultimate asset protection. Learn how to gain more than cash-freedom, friendship, financial security, prestige, tax savings, legal protection, fun, adventure, self-sufficiency, fulfillment and more satisfaction…by combining very small amounts of money with your time and energy in an international business. Our friend and attorney for more than 20 years… Joe Cox will be on hand to speak and answer your questions also.
Previous course delegates have included business people, brokers and professionals, doctors, dentists, lawyers, retirees, couples wanting to get into international business together, insurance agents and marketers who want to enhance their existing business or build a second sources of income through international investments and international business.
We have invited more speakers than we have had in a decade to share this learning experience with you… at this seminar course… for ideas on health… green and quantum investing… asset protection and global business.
Quantum Health…. Sheri Clary. Sheri helps us with our health. Sheri is a nurse practitioner who with her husband, James Clary MD, have been helping delegates learn natural ways to improve their health. Specializes in hormonal balance using bioidentical compounds.
Quantum Investing… Ted Tidwell. Ted is the founder of 1st Envirosafety the maker of Ted’s Stuff… a colloidal compound that has been helping farmers globally as well as helping create global business opportunity for Americans and Canadians moving abroad.
Quantum Asset Protection Joe Cox. Joe has been my friend and attorney for more years than I care to remember. He specializes in estate planning, insurance, trusts and taxation is a frequent speaker on tax planning topics such as income taxes, insurance trusts, irrevocable trusts and offshore asset protection trusts. He has also written hundreds of articles and books concerning income tax and irrevocable trusts.
Joe is listed in Who’s Who in America and Who ’s Who in American Law. Chosen by Florida Trend Magazine as one of the top 1.6% of lawyers in Florida and one of the top 34 Wills, Trusts, & Estate Planning lawyers. Chosen by Worth Magazine to be one of the top 100 attorneys in the Nation.
Third, the Valentine’s Treat. The February seminar can help you live, work and invest better… but remember I promised a third benefit that Merri and I have added to make you a Valentine hero.
We have booked all four days of this course to be conducted in a very romantic place, the Lakeside Inn in Mt. Dora Florida and have arranged discounted room rates for you.
The Lakeside inn is a ‘National Historic Treasure’, listed on the National Historic Register, that has continuously operated as an Inn for more than 125 years, the oldest operating Inn in Central Florida.
The Lakeside Inn is located 40 miles Northwest of Orlando in in Mount Dora… our shopping town and known as the “New England” of Central Florida.
Mount Dora is the Antique Capital of Florida, where the Renninger’s Twin Markets draws thousands to the Antique Mall and Flea Market, along with downtown Art Shows, Craft Fairs, Music Festivals, Theatre, Antique Shows, Classic Wooden Boat Shows, Sailing Regattas and Holiday Lighting Ceremonies and Parades. The Captain Doolittle Eco Tours and Mount Dora Trolley and the antique train leave right from the Inn for daily excursions.
You’ll be able to enjoy this romantic view. The inn sits on Lake Dora.
When you enroll, we’ll send details on how to book a room for the seminar at the exceptionally low rate of $129 a night.
You are a Valentine’s Hero in Three Ways.
There you have… along with all the benefits of quantum wealth… international investing and business you get Ecuador roses, a Valentine’s party at our house and can stay with your Valentine at the incredibly unique and romantic Lakeside Inn.
There are three ways to attend our February tours.
Option #1: Come for the four day quantum wealth… international investing and business seminar.
Option #2: Enjoy a split session. Come for the four day for quantum wealth… international investing and business. Then travel with us February 15 to Ecuador for one or up to four real estate tours.
Feb. 11-14 Mt Dora.
Feb. 15-16, travel to and visit Quito.
Feb 17, travel to Manta. Feb. 18-19, Coastal Real Estate Tour.
Feb. 20, travel to Cotacachi. Feb. 21-22, Imbabura Real Estate Tour.
Feb. 23-24, Quito-Mindo Real Estate Tour.
Feb. 25 travel to Cuenca.
Feb. 26-27, Cuenca Real Estate Tour. Feb 29 end of tour.
Simply choose how many seminars and tours you’ll be on and enjoy the multi tour savings below.
Option #3. If you plan to attend six or more seminars and tours in 2010 save with an International Club membership. See how to save here.
International investments and business can help your money grow and stop losing its purchasing power.
Previous course delegates have included business people, brokers and professionals, doctors, dentists, lawyers, retirees, couples wanting to get into international business together, agents and marketers who want to enhance their existing business or build a second sources of income through international investments and international business. Plus everyone wishes to improve their lifestyle… have better health and more ease in receiving income.
If you have or want to make international investments or have your own full or part time international business, you should contact us and make a reservation.
P.S. One section in the Mt. Dora seminar shows how I turn a $950 direct mailing into $118,500 in three weeks. I added $9,875 a month to my income! This information is worth the cost of the course alone.