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The Equal Credit Opportunity Act prohibits discrimination in credit transactions. However, it's worth acknowledging that things aren't as bleak as they were decades ago — and a big part of that credit goes to the enactment of the Equal Credit Opportunity Act. What is the Equal Credit Opportunity Act? The Equal Credit Opportunity Act (ECOA) is a federal law that promotes fairness and prohibits discrimination in credit transactions. Your rights under the Equal Credit Opportunity ActBefore applying for a loan or taking out a line of credit, make sure you know your rights under the Equal Credit Opportunity Act so you're not taken advantage of.

Persons: ECOA, I've, Dominic James Murray, Cameron James, JPMorgan Chase Organizations: Black, Regulation, United States, Independent, Southern, of New, JPMorgan Chase, JPMorgan, telltale, Chevron, Consumer Financial Protection Bureau, National Credit Union Administration, Federal Reserve Board, Federal Deposit Insurance Corporation, Department of Justice Locations: of New York, Chevron

☆ Mark Zuckerberg calls Donald Trump a 'badass' after the former president threatened him with prison
▼ + stars: | 2024-07-19 | by ( Katie Notopoulos | ) www.businessinsider.com time to read: +4 min

Read previewMeta CEO Mark Zuckerberg called former President Donald Trump's reaction to getting shot "badass," although he declined to endorse him in an interview with Bloomberg released Friday. Just a few days ago, in a different interview with Bloomberg, Trump reiterated his beef with Zuckerberg. If you don't have TikTok, you have Facebook and Instagram, and that's, you know, that's Zuckerberg. The more notable thing he said was reiterating Meta's stance on limiting political content in people's feeds on Facebook, Instagram, and Threads. Speaking of aesthetics, Zuckerberg also committed to his new look by wearing a gold chain during the Bloomberg interview.

Persons: —, Mark Zuckerberg, Donald Trump's, Bloomberg's Emily Chang, Zuckerberg, Meta, wouldn't, Donald Trump, Trump, that's Zuckerberg, It's, Elon, Musk, Anna Moneymaker Organizations: Service, Bloomberg, Meta, Business, Trump, Big Tech, Facebook

☆ CrowdStrike's terms and conditions say most customers would just get a refund due to the massive outage, cybersecurity lawyer says
▼ + stars: | 2024-07-19 | by ( Jacob Shamsian | ) www.businessinsider.com time to read: +5 min

But, according to the cybersecurity company's terms and conditions, CrowdStrike doesn't have to shell out anything more than a simple refund. The terms for CrowdStrike's Falcon security software — which is used by companies and government agencies around the world — limit liability to "fees paid." AdvertisementThat means CrowdStrike users who signed the standard terms and conditions can't expect to get more than a refund from the company, Waller said. Related storiesBigger companies using CrowdStrike's software — like some of the airlines or hospital chains affected — may have negotiated different terms and conditions contracts with the cybersecurity company. According to Waller, most cyber insurance companies have policies that cover "contingent business interruption" or "dependent business interruption."

Persons: —, Elizabeth Burgin Waller, Woods, Waller, CrowdStrike didn't, I've, CrowdStrike, We've, SolarWinds, Paul Engelmayer Organizations: Service, CrowdStrike's Falcon, Business, CrowdStrike, Woods Rogers, CrowdStrike's, SEC, Securities and Exchange Commission Locations: Manhattan, Russian

☆ I quit my 6-figure tech job when my mental health collapsed. My only responsibility now is to make myself happy.
▼ + stars: | 2024-07-19 | by ( Elle Hardy | ) www.businessinsider.com time to read: +6 min

download the appSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. I worked my way up in my first company quickly and began earning a six-figure salary when I was 30. I felt really isolated, and it affected my mental health. I felt like my hard work went unappreciatedI tried to move to Chicago last year, but it didn't work out. It's been such a relief already, and the possibilities feel endlessJust making the decision helped my mental health — particularly my anxiety.

Persons: —, Rachel Stolba, I'm, I'd, unappreciated, didn't, Chicago wouldn't, I've, It's, it's, Lauryn Haas Organizations: Service, Business, Culver City, lhaas@businessinsider.com Locations: Los Angeles, America, New York, LA, Chicago, Morocco, Madrid, Mexico, Spanish, Culver, Central America, Costa Rica, San Juan del Sur, Nicaragua, Sayulita

☆ My husband and I have been vegetarian for almost 50 years. We don't miss meat, and we get our protein from beans, chickpeas, and morning smoothies.
▼ + stars: | 2024-07-19 | by ( Louisa Rogers | ) www.businessinsider.com time to read: +5 min

Read previewI stopped eating meat by default. Then, when my husband and I got married, we stopped eating meat altogether — and almost 50 years later, we're still eating a vegetarian diet, though we occasionally eat fish. AdvertisementAnimal agriculture is responsible for 60% of greenhouse gas emissions and 83% of the world's farmland, and we've found that we really don't miss eating meat anyway. I don't like the taste of that either, but with a whopping 25 grams of protein per tablespoon, it's worth it. If you're a regular meat eater, you can start by eating less meat and more vegetables.

Persons: —, we're, that's, we've, I've, miso Organizations: Service, Business

☆ A boomer living on $2,400 a month is waiting 8 years to collect maximum Social Security benefits, even though she's struggling to get by
▼ + stars: | 2024-07-19 | by ( Allie Kelly | ) www.businessinsider.com time to read: +5 min

However, the average $1,907 Social Security check often isn't enough for many boomers to afford basic necessities. But, according to the Social Security Administration, their benefits will be lower than if they waited until their official retirement age — which varies by birth year. But, while some extra money would help supplement her paycheck, she's confident in her choice to wait for Social Security. "If I can fight it out until full retirement age at 67, I can fight it out until I'm 70. Are you an older adult waiting to collect Social Security?

Persons: —, Diane Williams, I'm, Williams, doesn't, She's, I've Organizations: Service, Business, Social Security, Social, Social Security Administration, SNAP Locations: North Babylon, Long

☆ I was given six months to live at 20. Years later, I'm a thriving college grad with a life partner.
▼ + stars: | 2024-07-19 | by ( Kelly Burch | ) www.businessinsider.com time to read: +5 min

He was giving me six months to live, and that was "pushing it," in his words. A doctor told me I needed aggressive treatment immediatelyAt first, the emotions didn't hit me. I was the one who had just been given six months to live. The doctor told me we didn't have time for that; we needed to start aggressive treatments immediately. When the first doctor told me I had six months to live, I knew I would make it to seven.

Persons: Brittany Rudy, I'd, —, I've, I'm, Cameron Organizations: Service, Business

☆ I moved from the US to Ireland. I'm extremely happy with my choice, but there are a few things I wish I'd known before relocating.
▼ + stars: | 2024-07-18 | by ( Alexis Mcsparren | ) www.businessinsider.com time to read: +11 min

Finding a job in Ireland is tough, especially if you're not in the country yetIt's hard to get a job in Dublin. Sadly, the Irish job market is extremely competitive, especially in Dublin. AdvertisementFinding housing in Ireland is equally as difficult, if not harder, than job huntingRent in Ireland can be pricey. Alexis McSparrenFinding housing in Ireland overall is very difficult, but finding housing in Dublin is a struggle. Finding my people in Ireland took some timeI met my boyfriend after I moved to Ireland.

Persons: —, I've, Alexis McSparren, nannying, you'll, Don't, It's, Alexis McSparren There's, it's, we've, they've Organizations: Service, Business, European Union, Irish, UNESCO, Heritage Locations: Ireland, Dublin, Missouri, Europe, Moher, Indiana, American

☆ A 60-year-old CEO says she lowered her biological age to 35 with 4 simple changes
▼ + stars: | 2024-07-18 | by ( Hilary Brueck | ) www.businessinsider.com time to read: +9 min

I reduced my 'biological age' by 10 years — here's what that meansWoods and her husband hiking in Patagonia. AdvertisementIt drives me crazy when people wear these kinds of one-off "biological age" stats like some sort of badge of honor. Regular checkups, blood tests, and scans at the doctor are one thing, but I wouldn't pay 300 pounds just to brag about a biological age result. HRT: One of the most pharmacological ways I've changed my biological age since I started this journey is hormone replacement therapy for menopause. I'm now convinced that hope and happiness will outdo any pill when it comes to improving biological aging.

Persons: Tina Woods, It's, I've, Tina, Zumba, it's, I'm, Nir Barzilai, Woods, I'd, Yuk, — Organizations: Service, Business, Health, Apple, HRT Locations: London, Patagonia, Poland, New York, London's

☆ Dave Bautista says he lost 50 pounds through Brazilian jiu-jitsu
▼ + stars: | 2024-07-18 | by ( Amanda Goh | ) www.businessinsider.com time to read: +2 min

Read previewDave Bautista is crediting Brazilian jiu-jitsu for helping him lose weight. I was really big, like over 300 pounds," Bautista told co-hosts Kelly Ripa and Mark Consuelos. "I'm bringing trainers with me, so I just shed about 50 more pounds," Bautista said, adding that he lost quite a bit of muscle in the process. Related storiesThe "Guardians of the Galaxy" actor has been practicing Brazilian jiu-jitsu since 2010, according to his Instagram posts. The US Army also uses Brazilian jiu-jitsu to rehabilitate its soldiers, as it is a "minimally demanding activity" that helps them remain active and avoid self-destructive behaviors.

Persons: —, Dave Bautista, Kelly, Mark, Bautista, Kelly Ripa, Mark Consuelos, Jason Manly, I've, Bautista isn't, Mark Zuckerberg Organizations: Service, WWE, Business, Guardians, US Army, BI Locations: Budapest, California

☆ Inside the rift between HGTV mother-daughter duo Mina Starsiak Hawk and Karen E. Laine, who will appear in a limited season of 'Good Bones'
▼ + stars: | 2024-07-18 | by ( Samantha Grindell | ) www.businessinsider.com time to read: +12 min

Read previewHGTV stars Mina Starsiak Hawk and her mom Karen E. Laine are returning to "Good Bones" months after Hawk went public about the strain in their relationship. On their HGTV series, "Good Bones," which premiered in 2016, Hawk and Laine renovate homes in Indianapolis, Indiana, through their company Two Chicks and a Hammer. The series quickly became popular on the network, as did its spinoff, "Good Bones: Risky Business." Mina Starsiak Hawk costars on "Good Bones." AdvertisementHGTV announced 'Good Bones' will be returning with a limited seasonOn Wednesday, HGTV announced a new season of "Good Bones" will premiere on HGTV on August 14, nearly a year after season eight premiered.

Persons: —, Mina Starsiak Hawk, Karen E, Laine, Hawk, William, Tad, Jessica, Stephen, Jack, Julie, Mina, Laine —, I've, Rachel Luna, we're, Michael Kovac, Laine didn't, it's, Karen, we've, HGTV's, Karen E Laine Organizations: Service, HGTV, Business, CR, Business Insider, Indy Locations: Indianapolis , Indiana, Charlotte, Indianapolis, Wilmington , North Carolina

☆ I've raised my child between the US and New Zealand. I've learned important lessons about 'fearless parenting' from my Kiwi friends.
▼ + stars: | 2024-07-18 | by ( Barbara Dessart | ) www.businessinsider.com time to read: +5 min

However, Kiwis practiced "fearless parenting," reinforcing a sense of adventure, the need for sustainability, and problem-solving skills from birth through childhood. This is when I learned that most Kiwi parents tend to measure danger in two categories — possible or probable. New Zealand parents rely on imagination and ingenuity to make use of old things, so there is a tendency to conserve more and waste less. AdvertisementWhile US parents may be inclined to use devices or television to pass the time, in New Zealand, parents emphasize "messy play." We always wanted Faith to have the skills she needed to adapt anywhere — whether in Oakland, California, or Auckland, New Zealand.

Persons: —, Faith, Waiheke Organizations: Service, New, Business, Kiwi, Kiwis Locations: New Zealand, United States, Aotearoa, Zealand, Wharau, NZ, Oakland , California, Auckland , New Zealand, Oakland, Auckland

☆ I became a widow after 45 years of marriage. It's been 3 years and I'm still grieving.
▼ + stars: | 2024-07-18 | by ( Ann Gorewitz | ) www.businessinsider.com time to read: +3 min

This past June would have been my husband Steve and my 48th wedding anniversary. I sometimes feel like I have a phantom husband; I sense Steve in the apartment, when I'm walking in the street, when I'm scared, when I can't find something, when I need a question answered, when I'm sad, and when I'm lonely. Our dog died before himOur dog, Cassie, was our chosen child, and she died shortly before my husband died. The mini-golden doodle puppies were born a week before my husband died, and he showed videos of them to the nurses. I'm taking each day as it comes with Romeo by my side.

Persons: —, Steve, I've, Romeo, He's, Cassie, Ann Organizations: Service, Beatles

☆ 'We're close to the end': Biden world braces for the possibility that the president steps aside
▼ + stars: | 2024-07-18 | by ( ) www.cnbc.com time to read: +7 min

Top allies have either publicly or privately called on him to step aside. "We're close to the end," a person close to Biden said. That person, who previously doubted Biden would ever step aside, acknowledged that it's the president's decision but joined in the array of Biden allies who say he is nearing a point of no return. "The president is feeling fine, he is self-isolating in Delaware," Quentin Fulks, principal deputy campaign manager for the Biden campaign, said at a news conference in Milwaukee. "Our campaign is not working through any scenarios where President Biden is not the top of the ticket.

Persons: Joe Biden's, Biden, Donald Trump, Adam Schiff, Hakeem Jeffries, Nancy Pelosi, Sen, Chuck Schumer —, —, that's, They're, Quentin Fulks, Lester Holt, I've, I'm, reevaluate, Carol E, Lee, Monica Alba, Natasha Korecki Organizations: WASHINGTON, Republican National Convention, Democratic, Trump, White, Biden, NBC News, Republican Locations: Atlanta, Rehoboth Beach, Del, Milwaukee, Delaware, Washington, Chicago

☆ I stayed in a gorgeous 2-story overwater bungalow for $180 a night, and I didn't even have to shell out for the Maldives to do it
▼ + stars: | 2024-07-18 | by ( Eibhlis Gale-Coleman | ) www.businessinsider.com time to read: +1 min

Eibhlis Gale-ColemanPunta Caracol Acqua Lodge is set over the ocean along the shores of Punta Caracol, a mangrove-lined coastline on the west side of the main Colón Island in Panama. Because of its remote location, everything — including guest transfers, staff switching shifts, and even laundry runs — relies on motor-powered fishing boats. I booked a shuttle service from Costa Rica to Bocas Town and took a short taxi ride from the town center to the port. From there, the resort sent a boat to pick me up. The distinctive mint-green and yellow exterior was rustic — a far cry from any soulless hotel chain I've stayed in.

Persons: Eibhlis Gale, Coleman Organizations: Bocas Town Locations: Punta Caracol, Panama, Costa Rica, Bocas

☆ Warner Bros Discovery (basically) admits its merger didn't work
▼ + stars: | 2024-07-18 | by ( Peter Kafka | ) www.businessinsider.com time to read: +5 min

That's basically the pitch the management of Warner Bros. Discovery is floating to investors today, via a story in the Financial Times: "A dramatic plan to split its digital streaming and studio businesses from its legacy television networks." And would the money from those declining networks be enough to service all that debt? Apple, most notably, inquired about buying HBO way back when its parent company was called Time Warner. If WBD can't split the company the way it's supposedly proposing now, it will end up selling off assets (maybe CNN?

Persons: That's, WBD, I've, hasn't, Pimple Popper, HBO hasn't, Jessica Reif Ehrlich, Rich Greenfield, you'll, it's, Time Warner, David Zaslav —, Donald Trump, he's, Zaslav Organizations: Service, Warner Bros, Financial, Business, HBO, Max, CNN, Netflix, Big Tech, Apple, Time, Sun, Paramount

☆ Olympic track and field gold medalists are about to receive prize money for the first time ever
▼ + stars: | 2024-07-18 | by ( Karen Gilchrist | ) www.cnbc.com time to read: +3 min

Grant Fisher and Abdihamid Nur compete in the men's 5000 meter final on Day Ten of the 2024 U.S. Olympic Team Track & Field Trials at Hayward Field on June 30, 2024 in Eugene, Oregon. "Their performances at an Olympic Games, in our own World Championships, provide world athletics with broadcast revenue from the International Olympic Committee and at a world championship level," he continued. World Athletics President Sebastian Coe defended his decision to pay prize money to track and field gold medalists for the first time at the Paris Olympics this summer, suggesting that the initiative could be extended to future games. The first phase focused on allocating funds to World Athletics' national governing bodies to support athletes and pay for projects. Coe, who is serving his third term as World Athletics president, deflected rumors that he may be in line to succeed Thomas Bach as IOC president.

Persons: Grant Fisher, Abdihamid Nur, I've, CNBC's Tania Bryer, Sebastian Coe, Coe, Steve Redgrave, Thomas Bach Organizations: Olympic, Hayward Field, Olympic Games, International Olympic Committee, CNBC, Athletics, Paris, Games, BBC, Olympic Committee, IOC, Olympic Committees, World Athletics, Sony Locations: Eugene , Oregon, British, Paris

☆ Wall Street sees this opaque corner of financial markets as the likeliest source of a credit crisis, Bank of America says
▼ + stars: | 2024-07-18 | by ( Filip De Mott | ) www.businessinsider.com time to read: +3 min

download the appSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. Read previewBank of America's latest Global Fund Managers survey found that shadow banking has surpassed commercial real estate as the likeliest culprit of a future credit event. In June's survey, commercial real estate held the top spot. Related storiesMeanwhile, BofA's survey indicates that fund managers are still keeping their eyes on commercial real estate, a sector that has wobbled under the weight of high interest rates. Between tighter monetary policy and a significant pullback in office demand, worry has mounted regarding whether commercial real estate entities can pay off their debt.

Persons: —, Jamie Dimon, BofA Organizations: Service, America's, Global Fund, Business, Bank of America Global Fund, Survey, JPMorgan Locations: H2'24

☆ I didn't think I was a good enough parent. I went to therapy to deal with my shame.
▼ + stars: | 2024-07-18 | by ( Jennifer Sizeland | ) www.businessinsider.com time to read: +4 min

After having my son nearly three years ago, I struggled with an almost debilitating embarrassment about my performance as a mother. His birth unleashed a sense that I somehow wasn't good enough, so I would have to overcompensate to be a good parent. I didn't know what to do, so I made an excuse and took my son somewhere else to play. That's why I went back to therapy two years ago when my son was 1. While many parents may feel shame in certain situations, I'm glad I sought out support, as I can now go anywhere with my son.

Persons: I've, I'd Organizations: Service

Why scammers target student loan borrowersStudent loan scams are common, especially as confusion remains over student loan forgiveness. There are currently forgiveness programs in place for federal student loans, like Public Service Loan Forgiveness, and accommodating repayment options, like Income-Driven Repayment Plans. What are the real student loan forgiveness programs? Real student loan forgiveness programs include Public Service Loan Forgiveness (PSLF), Income-Driven Repayment (IDR) forgiveness, teacher forgiveness, etc. Student loan scams: ConclusionDon't let scammers profit off your student debt.

Persons: Scammers, Biden, I've, you've Organizations: Public, of Education, Social, Federal, Bureau, Federal Trade Commission, Department of Education, Chevron, Real

☆ Biden under intense pressure from Democrats to drop out of election against Trump
▼ + stars: | 2024-07-18 | by ( Dan Mangan | ) www.cnbc.com time to read: +3 min

U.S. President Joe Biden in the Oval Office at the White House in Washington on April 15, 2024. As President Joe Biden isolated at his beach house in Rehoboth, Delaware, on Thursday after testing positive for Covid, he faced renewed pressure from leading Democrats to drop out of the 2024 election contest against former President Donald Trump. "We're close to the end," a person close to Biden told NBC News. Biden served two terms as Obama's vice president, and the 44th president still has unrivaled influence within the Democratic party. Rep. Adam Schiff of California, the Democratic nominee for one of the state's two Senate seats, openly called for Biden to drop out of the race Wednesday.

Persons: Joe Biden, Donald Trump, Biden, Kamala Harris, Barack Obama, fconcerns, Chuck Schumer, Hakeem Jeffries, New York —, Sen, John Hickenlooper, Hickenlooper, Adam Schiff of, Schiff, Nancy Pelosi, Pelosi, Bob Casey, I've, Casey Organizations: White, Trump, NBC News, White House, Democrats, House, Associated Press, The Washington Post, Democratic, Reuters, Adam Schiff of California, CNN, Pennsylvania Democrat, NBC Locations: Washington, Rehoboth , Delaware, New York, Congress, California, Pennsylvania

☆ David Duchovny on His Best Movie & TV Roles: 'the X-Files,' 'Californication,' 'Zoolander'
▼ + stars: | 2024-07-18 | by ( Eammon Jacobs | ) www.businessinsider.com time to read: +11 min

He's also continued to stretch himself as an actor, tackling roles like hedonist writer Hank Moody in "Californication" and Method actor Ryan Glenn in HBO's "The Sympathizer." On how 'The X-Files' became his acting schoolDavid Duchovny and Gillian Anderson as Mulder and Scully on "The X Files." On directing Robin Williams and playing the straight man in 'Zoolander'Duchovny with Robin Williams at the "House of D" premiere. HBOThis year, you starred in "The Sympathizer" as Ryan Glenn who, respectfully, is an absolute maniac Method actor. I don't think it's something anybody ever taught.

Persons: David Duchovny, Fox Mulder, Duchovny, Chris Carter, He's, Robin Williams, Frank Langella, Bucky, cking Dent, Hank Moody, Ryan Glenn, Gillian Anderson, Mulder, Scully, It's, hasn't, I'm, Zoolander, Robin, Téa Leoni, Badu, Anton Yelchin, Robin hadn't, Ben Stiller, Gene Hackman, Natascha, I've, we're, it's, that's, That'd, Strasberg, you've, Marty, Ted, Logan Marshall, Green Organizations: FBI, Business, Fox, New York Daily, Paramount, Showtime, HBO Locations: HBO's, Santa Monica, Hollywood

☆ I left my $130K job at Lyft and became a barista. Here's what it taught me.
▼ + stars: | 2024-07-18 | by ( Jyoti Mann | ) www.businessinsider.com time to read: +5 min

AdvertisementI ended up working at Lyft for about three months but left to get treatment for a severe medical condition. I just want to make sure I'm doing something meaningful and important to me every moment, every month, every year. It made me question what makes me feel like I'm doing well. After six months, I left the barista job to work for BuzzFeed, where I helped with social media and blogging before I was laid off when the company cut jobs in 2023. Now I'm working as an engineer at a healthcare tech startup, which I think really suits me.

Persons: —, Chris Jereza, I'd, Lyft, haven't, I've, I'm, they're Organizations: Service, University of California, Business Locations: Berkeley, Lyft

☆ I reread JD Vance's 'Hillbilly Elegy.' He hasn't transformed as much as you think.
▼ + stars: | 2024-07-18 | by ( Bryan Metzger | ) www.businessinsider.com time to read: +11 min

To reread "Hillbilly Elegy" now, as I did this week, is to feel a sense of disorientation. JD Vance the author sounds a lot different than JD Vance the politician. Personally, I first read "Hillbilly Elegy" in college, in an earnest if somewhat contrived attempt to better understand communities unlike mine. On stage, he recounted a story that also appears in "Hillbilly Elegy," where Mamaw bluntly threatens violence against one of Vance's friends. There are hints of this in "Hillbilly Elegy" as well: He served as a public affairs Marine, where he was trained in the art of media relations, including "how stay on message."

Persons: JD Vance, It's, Vance, Donald Trump's, Trumper, Trump, I've, who's, Vance didn't, JD, Alex Wong, Mamaw, Mom, Brett Kavanaugh, there's, New York Times's Ross Douthat, There's, he's, Usha, Mike Johnson, Kamil Krzacynski, — Vance Organizations: Service, Republican, audience's, Democratic, Capitol Hill, Republican National Convention, Supreme, New, GOP, Marine, Yale Law School, Getty Locations: Ohio, Middletown , Ohio, Appalachia, Middletown, Washington, New York, Ukraine, AFP

☆ I've visited over 40 countries. These are 6 of the most overrated tourist attractions I've ever seen.
▼ + stars: | 2024-07-18 | by ( Jonathan Levin | ) www.businessinsider.com time to read: +1 min

I've traveled to over 40 countries and visited many of the world's popular tourist attractions. Though many attractions are worth seeing, some didn't live up to the hype. AdvertisementHaving visited over 40 countries, I've been fortunate enough to experience many of the world's most famous tourist attractions. About 89% of American travelers said they've visited more than one tourist trap in the past two years, according to a recent survey by PhotoAiD . I think many popular attractions are worth going out of the way for, but not every one I've seen has lived up to its hype.

Persons: I've, —, they've Organizations: Service, Business

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