Growing up consists of learning new things, and somehow, we manage to relate everything back to nature. For instance, you ask your parents where babies come from and you get “the talk” about the birds and the bees. Or you have your first bad break-up and you are told there are more fish in the sea. Then you learn about the stock market and something about “bears and bulls.”

Here we seek to explain more than just bears and bulls, but a larger, overarching concept: investing.

If you don’t know about the bear and the bull, here is a quick simple explanation of it. When a stock market is trending up it’s a “bull market,” and when it is trending down it’s a “bear market.” The reason for these names refers to the animals’ attack methods; when a bear attacks, it swipes down and when a bull attacks, it rips its head upward.

People tend to associate investing with the stock market, but it doesn’t have to be. This article is especially for students or those new to investing, but really anyone can benefit from these tips. In this article, we’re going to talk about investing, saving, and some alternatives to the stock market.

Why invest?

You might be asking this fundamental question. Don’t worry, you’re not the only one, I used to ask that too. The best answer to that is one word: inflation. Investing is the best way to make sure your dollar maintains its value. The power of the dollar fluctuates frequently, and the stock market helps to make sure your dollar maintains its worth. Inflation has been a problem since the onset of currency. The stock market is a great way to combat that inflation.

In order to invest, however, you have to have a savings. Investing all you have is not a good idea, so making sure you leave your savings alone is crucial. Accidents happen, and if there were a family emergency you wouldn’t want to have to pull all your investments to pay for it.

This is a good general rule, not to put all your eggs in one basket. The stock market can be a risk-and-reward type scenario, especially when you get into more expensive stocks. I would recommend getting into stocks that have stood the test of time and have low volatility. Bitcoin, for example, is NOT one of those.

There are safer routes to go with the stock market, such as mutual funds. A big difference between regular stock and a mutual fund is, in a mutual fund, your money will be invested in several different stocks making investments much safer. You can’t do quick buying and selling in a mutual fund like you can with regular stocks.

How to begin investing


Getting into investing can be scary, so I suggest starting small until you feel a little more comfortable. A great way to do that is through the application called Acorns. Acorns takes your spare change and invests that in to portions of stocks. Be sure to go find Acorns in the Google Play Store or in the Apple App Store.

To use Acorns, you must link the app to your checking account. Whenever you make a purchase, it will round up to the nearest dollar and invest that extra change in penny stocks. This is a great way to see your “acorn” grow into an “oak”.


Another great app to help you start investing is Robinhood. Robinhood is a stockbroker but there is no trading fee, which is what will typically kill an early investor.

Robinhood is also a great way to get comfortable with investing. Thanks to the no trading fee of Robinhood, you are able to invest small amounts of money that normally you couldn’t. You can invest in stocks such as Zynga or Sirius XM that are around $3 per share. This can help you feel more comfortable with the stock market.

The other best part of Robinhood is the free stock that you can get. That’s right, free stock. All you have to do is download the app using someone else’s “invite code” and you each will get a free stock. If you don’t use the join code, however, no free stock.

If you don’t have a friend who has it already, come by the office. I’d be happy to give you my code and get a free stock.

Everyone who joins Robinhood has a chance to get stock in companies such as Ford, Apple, Sirius XM and many others. If you don’t want to invest money right away that is fine. But I still would recommend getting the app and seeing how your free stock will behave in the stock market. It will help you get the hang of the app and feel more comfortable in investing.

Other investment options

Precious metals

An alternative to investing in the stock market is investing in precious metals. Some people swear by precious metals, but there is some fluctuation in the value of these precious metals. They typically tend to fluctuate due to the value of the dollar.

However, the biggest plus side to investing inprecious metals is that they are tangible items you can buy. They would also come in handy for bartering in the worst case scenario of a total economic collapse. But we’re not worrying about that.

Investing in precious metals is never a bad idea, and their value tends to grow with time.


Paying off debt

The next investment is an investment with a guaranteed return. That is paying off debt. It is best said in an article by AOL, which indicates that “paying off debt can produce superior returns to most other investments…and that return is guaranteed and completely risk-free.”

Dave Ramsey is an excellent resource for managing this investment. He knows a few things about getting out of debt and can even teach you more about investing. Beehive Federal Credit is offering a Dave Ramsey Financial Peace course that anyone can access.

Real estate

Real estate, like precious metals, is a tangible investment. This is a little more difficult to invest in because it requires greater amounts of money to initially invest. However, it is also one of the more secure things to invest in. You can make a killing by buying and selling real estate at the right times. But is is always worth having.

Land, specifically, is important because no matter the real estate, it will always have to sit on land. Whether it be a residence or a business, everyone needs land.


Additionally, you can invest  inU.S. Treasury Securities. You may not become the next Warren Buffet by investing in these, but it’s a great way to protect your money, particularly in times of turmoil. In the aforementioned article, AOL lists these as an alternative investment.

“Generally speaking,” the article reads, “bills carry the lowest interest rates, while bonds pay the highest, and notes are somewhere in between.”

“You can buy them through the Treasury’s portal, Treasury Direct, and hold them there as well,” the article goes on to say.

If for example, you got a one-year treasury bill for $490 with a 2% interest, you would get $499.80 after it matured for one year. Like I said, you’re not going to get rich from this method, but it is a great way to protect your money against inflation.


Last, but definitely not least, your best possible investment is yourself. Better yourself to be more qualified for a job or further your education to apply for the job you want. This is the best kind of investment, and it can even prove easier to know what to do.

Whatever you love to do, invest your time and energy into it. The returns that you see from your hard work will not disappoint you.

Visit Montana: The Unknown Wonderland

Montana might be the most underrated state. With a population less than that of Rhode Island (a state 1/140 of its size), it’s widely considered as a state where there isn’t much to do. However, it’s the opposite. The next thing to add to your bucket list (even though you didn’t expect it): Visit Montana.

Glacier National Park

It seems fitting that the most underrated state would have the most underrated national park. Not many people have heard of Glacier National Park, located in the Northwest corner of the state. Glacier National Park has it all, from fishing and whitewater rafting to horseback riding and biking. Located in the heart of the Rockies, Glacier National Park offers both summer and winter activities. When you visit Montana, Glacier National Park is the last thing you want to miss. Click here to learn about what you can do in Glacier National Park.

Whitefish Mountain Resort

Right next to Glacier National Park lies the best ski resort in Montana: Whitefish Mountain Resort. With more than 200 on-mountain condominiums and more hotels near the base of the mountain, you can choose what housing best fits your needs. Whitefish features over 3,000 acres of land, meaning whatever your skill level, there’s more than enough terrain to choose from. Are you a big skier? Find out more about Whitefish here.

When you visit Montana, you have to ski.

Bannack State Park

If you’ve ever wanted to see a real ghost town, Montana has it. Bannack started as a gold-mining city back in 1862. A year later, a nearby city discovered gold and many abandoned Bannack. Less than 100 years later, the city was almost completely abandoned. Now, you can explore most of the structures that still stand (over 60 structures). However, you might want to steer clear if true ghosts aren’t your thing. Learn more here.

Other Places to Visit

We highlighted just three activities in Montana, but there’s so much more than that. Three of the five entrances to Yellowstone National Park are in Montana, each holding something unique. Flathead Lake is the largest natural freshwater lake west of the Mississippi. With 200 square miles of water, there’s tons to do. Some people like the smaller city vibe. For those people, downtown Bozeman isn’t something to skip out on.

When you visit Yellowstone, you visit Montana too.

Visit Montana

Visit Montana. It’s not something that you’d likely think of on your own, but it’s something every American should do in their lifetime. If you’re wondering how to get there, St. George Express can help you.

The Ultimate St. George Express Travel Playlist

While you travel, having that perfect travel playlist is essential. With a great playlist, time seems to slip away and you arrive in no time. Without music, or with the wrong music, it can feel as if you’re never going to arrive. Below, we’ve tried to select songs that you probably haven’t heard yet.

Before reading, keep in mind that no two people have the same taste in music. While you might like some songs, other songs might annoy you. Take the songs from the playlist that you like and build on them. Leave the others behind and realize that other people will take those for their playlists. With that being said, welcome to The Ultimate St. George Express Travel Playlist.

Chill Music

Some people like to fall asleep while on the road. Others like to relax and think about what’s happened or what’s coming up. For those people, we’ll start out with some of the slower music. Here are the top 10 chill travel songs:

Song Artist
Saved Khalid
Last One I Love Marc E. Bassy
Work Song Hozier
Reminding Me (feat. Vanessa Hudgens) Shawn Hook
Another Day In Paradise Quinn XCII
Concrete Jungle Au/Ra
All In My Head Tori Kelly
Come Over (Acoustic) Sam Hunt
Awake ayokay


If you’re traveling on a sunny summer day through the middle of Utah desert, there’s nothing better than listening to some country. Feel like a cowboy with these songs:

Song Artist
More Dreams Than Dollars Maggie Rose
What If I Kissed You Temecula Road
One Number Away Luke Combs
Just Another (Acoustic) (feat. Jillian Jacqueline) Sammy Arriaga
Craving You (feat. Maren Morris) Thomas Rhett
Take Your Time Sam Hunt
What Ifs Kane Brown
Hard Drive Home Bailey Bryan
Long Stretch of Love Lady Antebellum
Heaven Is Close A Thousand Horses


Finally, there are people that love to jam out while on car rides. With upbeat songs, you definitely need to sing along in your head (or out loud if you want!). Here’s a list of the top 15 upbeat songs to add to your travel playlist:

Song Artist
New Wave Quinn XCII
Words Daya
There For You (feat. Troye Sivan) Martin Garrix
Tattoo on my Face NLSN
One More Weekend Audien and Max
Feel It Still Portugal. The Man
Tired (feat. Gavin James) Alan Walker
Runaway The Skins
Stay in the Dark The Band Perry
Queen Elizabeth Cheat Codes
Wake Up Alone (feat. Jhené Aiko) The Chainsmokers
Gangster PJ
The Shine (feat. Chelsea Cutler) ayokay
Walk Kwabs
Feel Good (feat. Daya) Gryffin and Illenum

Comment below with the songs we missed. Choose the songs and artists you like and build off them. Create your own travel playlist and share it with your friends. The next time you all travel on St. George Express, you won’t even feel the time pass by.

Five Creative Ways To Save Money For Traveling This Year


Over the last couple of years, people from all over the world are spending more and more money on traveling, and less and less on fun items. This is especially true for the millennial generation. Think about the last time you got on one of your social media accounts. How many posts were about a friend you know who traveled to China, Hawaii, or Mexico?  The trend that was once about having the coolest car, video game console, or most stylish dress, is now about making memories through travel.

Another question you might ask is, how can all my friends afford to travel, and how can I? There isn’t one simple answer to these questions. Some people might not actually have the money but do it anyways. Some people might have saved up for months. Regardless of how they do it, there are many creative ways you can save to do it also. Here are five creative ways to save money to travel to that dream location more often.

Sign Up for Rewards Credit Cards

One of the biggest expenses in traveling is the airline tickets. Plane tickets to many of the great tourism locations around the world cost anywhere between $500-$1200. During the last several years, many credit card companies have offered frequent flyer mile rewards to those individuals who expend monthly fees on their credit cards and pay them off. After one to two years, you can earn enough points to travel places for free.

If you have the discipline to put all your expenses on a credit card each month and not go over your monthly budget, then look into rewards credit cards. The key is being able to pay it off each month, or it’s not going to be worth it.

Open a Dedicated Savings Account

Another idea is to open a savings account that is dedicated only to traveling. Make sure in the initial setup stage to see if there are any balance penalties, and then set up automatic transfers at the beginning of each month. By setting up automatic transfers, you make sure you save for traveling or emergency savings,  and then the remaining amounts go towards other expenses. Each month your account will start to grow, and that money will be set aside specifically for traveling when the time presents itself.

The Trusty Change Jar

Perhaps the easiest and least recognized way of saving is by “collecting your pennies.” In the article Nine Creative Ways to Save for a Vacation, Ed Hewitt shared a story of when he took a large pretzel jar full of change to bank, and came home with about $500. The next time you have spare change, grab a jar and start putting your coins in it. You could have the same result.

Sell Your Stuff

When was the last time you walked through your home and noticed that you don’t use half of the things you own? Now’s the time to get rid of it all. Host a garage sale or go with the online route and post it all on craigslist, eBay, or Facebook garage sale groups. Facebook groups are very easy to use and reach a much larger audience.

Use Your Car to Make a Little Cash on the Side

One last idea is to use your car as a taxi to earn some cash on the side. With the new Uber app, you can easily create an account and easily find people looking for taxi services. The concept of the app is simple. People input their address, billing information, and desired location. The Uber driver sees the request and can claim it. Payment is made through the Uber app.

Top 5 Restaurants in Provo Utah That You Must Try



When you think of Provo or Orem, Utah, the first couple of things that probably come to mind are Brigham Young University or Utah Valley University. Both are well known for their sports programs and home to thousands of students. The last thing that would probably come to mind are great places to eat at. College towns are often full of fast food and traditional chain restaurants, not great “hole-in-the-wall” places. Despite the college town atmosphere, there are some unique  and delicious places to eat.

Below is a list of five of the best restaurants in Provo. Some of them are new and not as well known while others are more familiar.  Each one offers a variety of different dishes so be adventurous and enjoy.

Black Sheep Cafe

First is the Black Sheep Cafe. This restaurant prides themselves upon the standard of providing new food with wonderful service. Menu items are focused around southwestern and Native American food. The majority of food is made right there on the spot, and is fresh.

Read 5 Restaurants in Logan Utah you Should try!

India Palace

Next is India Palace. This restaurant offers a rare dininggreat-restaurants-provo-utah experience serving tasty Indian dishes in an fancy setting.  Each and every item is prepared as customers order, and are set at reasonable prices. India Palace has been awarded the Serving Award Winner since 2007, and is situated in the heart of Historic Downtown Provo.

Tucanos Brazilian Grill

Third is Tucanos Brazilian Grill. They offer a fresh meats and vegetables that are grilled and brought directly to customers tables. The meat servers continuously bring different meat and vegetable selections to the table. Tucanos is also famous for their salads and hot selections. There are also freshly made soups and much more.

Read 5 Fun Things to Do in Provo!

Communal Restaurant

Another great restaurant is Communal. Communal is a new American restaurant focused on fresh, local, and sustainable ingredients. Communal makes this possible by partnering with the local farmers. Families are welcomed with open arms, and can expect to feel happy eating a good meal.

Brick Oven Restaurant

Lastly is the Brick Oven Restaurant. This restaurant is pretty simple, but extremely tasty. They are a pizza chain that serves all-you-can-eat pasta, soup and salad, and signature root beer.


6 Disc Golf Courses Near Rexburg

After five months of snow storms and below freezing weather, temperatures in the mid 50’s and 60’s are starting to re-enter Rexburg. With warmer weather, there are numberless ways to enjoy the wonderful outdoors this summer. However, with so many options available, how does a person choose what to do? If you feel this way, Disc Golf is a fantastic option.

Disc Golf is played much like traditional golf. Instead of using clubs and a ball, players use discs (Frisbees). Players then throw the discs from the tees towards the course holes, which is basically an elevated metal basket.

There are two local Disc Golf courses and at least five other courses within 45 miles of Rexburg. Below is a list of courses by location, address, and the number of holes. These aren’t all of the courses available but a great start.

Rexburg, Idaho

1 ) Nature Park – 469 N 5th W Rexburg, ID (9 Hole Course)

First, is the Nature Park course. This course weaves its way through Nature Park and the grounds are well kept. Its features include grass, some small hills, and lots of trees.

2) BYU-Idaho Arboretum – 289 W 7th S Rexburg, ID (9 Hole Course)

Next, is the BYU-Idaho Arboretum course. This course is set up from April through October. College students and community members play fairly regularly on this course. Course features are mostly flat and lightly wooded terrain.

Idaho Falls, Idaho

3) Freeman Park – 1430 Willow Ave Idaho Fall, ID (18 Hole Course)

Another great course is Freeman Park. This course has a couple of creek crossings and the Snake River borders most of the course. It also has some hills and a practice basket.

4) McCowin Park – 3098 Southwick Ln, Ammon ID (9 Hole Course)

Following Freeman Park is McCowin Park. This course is short and in a park setting. Course features include trees, walkways, fences, and a hole just over 300 feet in length.

Driggs, Idaho

5) Teton Valley – 235 South 5th Street Driggs, ID (9 Hole Course)

This course has a great view of the Grand Teton mountains. The course features a skateboard area and lots of trees. Additionally, players will also experience hills, rocks, tall grass, small streams, and much more.

6) Grand Targhee Resort – 3300 E Ski Hill Road Alta, WY (18 Hole Course)

Finally is the Grand Targhee Resort course. This course plays through rolling aspen meadows at 8,000 feet. There are long holes, short holes, and everything between. Beginners and experts will be challenged on this course.

Last, but  maybe the most important of all: options for purchasing discs include Big 5 Sporting Goods and Walmart  (all located in Rexburg, Idaho).

Top 5 Restaurants in Las Vegas

Whether you’re visiting or just looking for a new place to visit, the restaurants in Las Vegas are some of the best in the world. You don’t need to travel to Asia or Europe to get a taste of these cultures – you can have it right here in Las Vegas!


If you’re looking to eat out without blowing your budget, Raku’s Japanese Charcoal Grill is your best option. With only three main menu items priced over $10, anybody can afford to try the food here. However, it’s not only the low-price point that even the locals find attractive. From the duck off the grill to the Oyako Don (bowl of chicken and egg) and everything in between, patrons rave about the Japanese meals. These meals provide perhaps the best value out of the restaurants in Las Vegas.

While these meals are great, there is another option. If you’re willing to spend more money, Raku also offers their Okamase – the chef’s choice. Created from a mix of menu items and the daily special, the chef chooses the perfect blend of food for each customer.

The best restaurants in Las Vegas make the best meals

Bardot Brasserie

Inside the Aria resort, you’ll find the finest French cuisine in Las Vegas. The Bardot Brasserie is open from 5:30-10:30 pm on weekdays. As a result, groups almost always need a reservation to be able to dine here. From the moment diners enter the restaurant, they experience an elegant night resembling France itself. Chef Michael Mina and his crew are able to cook up a wide range of food, including shellfish, steak, and lamb. As you could probably expect from a French restaurant, the Bardot Brasserie serves the best champagnes. A wide variety of red, white, and specialty champagnes allows you to choose your favorite.



Making our way across the European border, Jaleo is the best Spanish restaurant in Las Vegas. Jaleo is run by world-famous chef José Andrés. Unlike his other restaurants, a vibrant atmosphere resembles The Strip of Las Vegas. In the middle of the restaurant, a large, open fire wood grill is designed to cook up paellas (a Spanish dish containing rice, chicken, seafood, and more) to perfection. Created by the British but perfected by the Spaniards, Jaleo’s has the best Gin & Tonic in all of Las Vegas.

Paella proves to be popular in the best restaurants in Las Vegas

Harvest by Roy Ellamar

Inside one of the most iconic hotels in the world, the Bellagio boasts a new-style restaurant that is taking Las Vegas by storm. Harvest by Roy Ellamar prides itself in bringing food straight from the farm to the table. Almost every item in the menu tells you exactly where the food originated. This way, you know exactly what you’re getting. These meals range from as close as farms in Nevada to as far as rivers in Washington. Furthermore, Harvest has many meals for vegetarians and vegans. Here, everybody can find their perfect meal.


Other Mama

Other Mama is perhaps the most hailed restaurant in Las Vegas. The menu consists of Asia’s best dishes, such as shishito, hush puppies, and Kim Chi. Like Raku, Other Mama is able to keep their prices down low. Therefore, you don’t have to worry about spending too much here. In addition to their always-low prices, Other Mama features a daily happy hour from 5 p.m.-6 p.m. On that specialized menu, all entrées are less than $10, including ceviche’s, calamari, and amberjack. Because of all of this, Other Mama holds the honor of the highest reviews out of any restaurant in Las Vegas.

Other Mama (one of the best restaurants in Las Vegas) makes the best sushi in Las Vegas

Best Restaurants in Las Vegas

So, which of these is the best restaurant in Las Vegas? That depends on your taste. All of them offer something different for the consumer. Consequently, the only way to find out which one you think is best is to try them all!


(Example Post) Website Development

Our Website Development Process & Philosophy and How We Build Your Online Presence

Websites are a showcase of the value businesses add to their customers. On the internet, the playing field is completely level for businesses of every size. This can be a good and bad thing. The internet doesn’t have the context of your physical presence. Even for established businesses, it takes an effort to refine your message so it can reach your audience. Successful websites involve business owners in crafting the message and direction.

We want your website to provide a clear picture of your business. Just as you would in-person. When constructing a new website we first work with you to outline your goals. We can then determine which pages and features the website requires to meet those goals. We go to work and create a solution that meets those requirements. Often the solution is not perfectly in line with your vision, and so we take feedback. Then we go and refine and fix errors. Websites are evolving and need maintenance to stay up to date. Businesses are rewarded for the effort they put into creating a strong online presence.

Base Deliverables

  • Responsive site that will allow for a good user experience on
  • desktop and mobile devices.
  • Follow Google Webmaster SEO guidelines to promote organic
  • search visibility.
  • Clear calls-to-action giving users a clear path to convert (buy your product/service).
  • Built on WordPress platform.

How Much Website Development Do You Need?

Build from a template or commission a custom design

  • The theme or template is a starting point to your website development. This helps to keep costs low while maintaining a professional look.
  • A custom design still follows best practices for displaying content online. It is 100% customizable for your business’ goals and values (more expensive).

Content creation and gathering

  • Copy and pasting the existing content from your old website, just updating the presentation.
  • You provide high-resolution photography, business descriptions, services, marketing content.
  • How much do you plan to create vs. having us create? Would you prefer we fill it with placeholder content? You could then revise it to reflect your voice and business.

Ease of updates

  • Each website we build is on the WordPress platform. This allows for easy updates. Depending on the amount of information your website contains, we can organize it so it can stay consistent. Such as one single update reflecting on different pages around the website.
  • Constructed in a maintainable and expandable way. Someone other than a programmer can handle day-to-day updates and/or content publishing.
  • Do you need an outlet for frequent updates, blog, or general writing that you or your staff wants to publish?

Feature Programming

  • Beyond just the layout and the look of the website, we would program specific features. These might include:
    • Video viewers
    • Slideshows
    • Contact forms
    • Chat boxes
    • Specific page functionality (e.g.  ‘locations’ page).
  • Who should contact forms be directed to? (name and email address)

Site Construction

  • Testing for compatibility, load testing, performance benchmarks. Scalable hosting or standard hosting? Encryption or Security needs?
  • Monitoring site performance, bug fixes. Site analytics for measuring the effectiveness of your website build. What do people visit and what tends to work and what doesn’t?
  • Transferring email providers, and still maintaining encryption and all the old email archive

(Example Post) Search Engine Optimization

Search Engine Optimization SEO, Keyword Optimization, Content Strategy

What is SEO?

Search engine optimization is the process of helping search engines understand your website. Search engines like Google want relevant results to show in their searches. You want potential customers to see your website. When Google understands what your website is about and who your customers are, it’s a win-win. At a technical level, SEO is about creating content and using the language of search engines. As an example, it could be as simple as writing a blog post that uses correct keywords. It might involve doing some behind-the-scenes coding of different sections of your website. Sections like the company’s about page or contact information.

Is it actually worth it?

It is worth it. SEO has many benefits that other marketing channels lack. If you run an ad in the newspaper or on Google AdWords people may see the ad and decide to become a customer. If you stop running the ad, then no one will see your business. SEO works differently. We can work on your website for a year and get many searches to the top of the rankings. If we stopped working on your website your rankings would not drop. You would continue to get people seeing your website and get customers long after we stopped.

How quickly can I see results?

It depends. Some businesses see results a week after changes were made, others, it takes months. Why? If you open a new car wash in a Rexburg that already has fifteen other car washes, how long would it take to become the most popular? What if in Idaho Falls you own the only car wash? Every business’s playing field is different. There is not one tactic or one method. We do what works best for your company based on our research.

What we actually do.

Every day we track your website’s movement in Google search results. Every day we track how many visitors come to your website from search engines. Based on your goals and current Google ranking, we create a strategy. We focus on keywords that lead people to become customers. There is research that goes into setting up a successful SEO campaign. We need to look through your competitor’s website and what’s working for them. We need to make sure your ideal keywords have enough people searching for them. There are other smaller tasks like checking your website structure and website listing services (Yelp, Google My Business, and YP).

Some websites are set up and ready to go. Other websites need a ton of work before we can ever start trying to rank for specific keywords. For example, if your website is slow to load or doesn’t work on mobile devices it is difficult to see any ranking improvements.

What’s the point?

Customers coming from search engines are trying to find you and your products. They are naturally more inclined to become a customer. As the amount of customers from search engines increase, you can lower the amount of money you spend on marketing. At the end of the process, you want to have your customers coming SEO. That way you spend little to no money on new customer acquisition. It takes time to get to that point, but it is possible.