Edmunds Members - Cars and Conversations (Archived)

tbirdmarco

Going with everyone. In hear   I trust them  all car is looking good New York  car guy  

snakeweasel

iluvmysephia1 said:

An RCA 8" TV, Mike? Wow, that's a small screen!

Yes it is and today many people watch TV and movies on much smaller screens (think smart phones)

snakeweasel

driver100 said:

I think the bugs on my windshield look to be in much better shape than the ones on my grille

Yeh but, who worries how bugs get killed.

The bugs?

snakeweasel

jmonroe said:

@driver100, Enjoy your trip to Wimbledon. Since that striped shirt is off the table, are you going to wear a shirt that is 70% Maple Leaf and 50% Stars and Stripes?

And just how do you think he is going to do that since he has said numerous times... "I'm not good with math". jmonroe

Well the two designs could overlap.

snakeweasel

driver100 said:

Reading "ta" in places where "to" should be is getting in the way of reading certain posts. Wonder if I'm the only one bothered by this? It's not that I'm a real English guy but when words I know are spelled wrong, it just blows the whole sentence for me. Kinda weird I know but just the way it is. "Ta" just looks lazy and sloppy when "to" needs to be used. Again, I'm not that much into proper written English but seeing misspelled words in any sentence is a pet peeve of mine...and always has been. The Sandman

I know many people who pronounce "to" like that. Doesn't bother me at all.

He wouldn't like it in Toronto.......people who live there call it Torontah. Hey Monroe....I think if the sleeves were stars and stripes, and the middle a maple leaf, it would come out about right, but, man, that would be one heck of a very ugly shirt!

One thing that I didn't understand about Toronto, since the plural of leaf is leaves why isn't their hockey team called the Maple Leaves.

imidazol97

That's considered a proper noun and it doesn't have to follow the conventional rules.

And there was a baseball team in the 1880' name Maple Leafs in Hamilton.

https://www.mapleleavesforever.com/maple-leafs-not-leaves/

oldfarmer50

imidazol97 said:

That's considered a proper noun and it doesn't have to follow the conventional rules.

And there was a baseball team in the 1880' name Maple Leafs in Hamilton.

https://www.mapleleavesforever.com/maple-leafs-not-leaves/

A few days ago you asked about places in Key West for vacation. The only place I know is Sunset Key resort which is part of the Hilton chain I believe. Very luxurious. Private yacht with captain at your disposal, individual cottages, private beach and restaurant. Real high end stuff. I spent a few glorious days there years back jet skiing among the cruise liners in the channel between Sunset and Key West.

driver100

snakeweasel said:

driver100 said:

oldfarmer50 said:

sandman_6472 said:

Reading "ta" in places where "to" should be is getting in the way of reading certain posts. Wonder if I'm the only one bothered by this? It's not that I'm a real English guy but when words I know are spelled wrong, it just blows the whole sentence for me. Kinda weird I know but just the way it is. "Ta" just looks lazy and sloppy when "to" needs to be used.
Again, I'm not that much into proper written English but seeing misspelled words in any sentence is a pet peeve of mine...and always has been.

The Sandman

I know many people who pronounce "to" like that. Doesn't bother me at all.

He wouldn't like it in Toronto.......people who live there call it Torontah.

Hey Monroe....I think if the sleeves were stars and stripes, and the middle a maple leaf, it would come out about right, but, man, that would be one heck of a very ugly shirt!

One thing that I didn't understand about Toronto, since the plural of leaf is leaves why isn't their hockey team called the Maple Leaves.

I am glad I.M.I.D. answered, because he is so good with grammar. So is my wife but if I asked her she would go on about why don't I know the reason.
The Minnesota Wild aren't called Wilds, and Colorado Avalanche aren't called the Avalanches. And the Anaheim Ducks aren't called the Anaheim "plump", skein, bunch or quora.

nyccarguy

@roadburner - your TJ Jeep is in incredible shape!  That’s the original top & plastic windows?  Wow!  

roadburner

nyccarguy said:

@roadburner - your TJ Jeep is in incredible shape!  That’s the original top & plastic windows?  Wow!  

Nope, it's a Bestop sailcloth replacement; Bestop was the OEM supplier but the sailcloth material is more durable and a bit quieter.

jmonroe

abacomike said:

stickguy said:

sounds like a fun time Mike. Hard to be so far from family.

You are right, stick.  Being 2500 miles from those you love is a terrible situation.  Doctor won’t let me fly since I developed a blood clot in my left knee area 10 years ago.  So, I have to wait for summer to see them.

Checked American Airlines and it will cost about $1000 round trip for both of them.  Once my son selects the flights, I’ll give him my credit card number.  I always pick up the cost of the trip since he has to support 2 boys, one of which starts college in 5 weeks.

If only I could fly things would be so much simpler. I missed my grandchildren growing up, although I did see my oldest grandson a couple of times a year from the week he was born until 2008 when I had to stop flying.  Doctor said it has to do with the high pressure in the plane’s cabin coupled with sitting in one place for 3+ hours each leg of the trip.  It is what it is!

Mike I just had an idea. Hear me out:

How would you like to see your poster buddy and his wife? Since you are willing to lay out $1000 for round trip airfare for your Son and Grandson, spending less than $220 plus baggage fees of $92 for the round trip, you can see us. I just checked and that is the price with Spirit Airlines flying out of Latrobe PA to Fort Lauderdale for the second week in January 2019 till January 28, 2019. I say that is a real bargain especially considering that Mrs. j can cook you up some tasty meals during that period and if you're nice to me I could bring along a bottle of my favorite car wax so that when I have finished doing your car it will be the envy of your complex.

Think it over and you'll see that is a great bargain for both of us.

jmonroe

abacomike

jmonroe said:

stickguy said:

sounds like a fun time Mike. Hard to be so far from family.

You are right, stick.  Being 2500 miles from those you love is a terrible situation.  Doctor won’t let me fly since I developed a blood clot in my left knee area 10 years ago.  So, I have to wait for summer to see them.

Checked American Airlines and it will cost about $1000 round trip for both of them.  Once my son selects the flights, I’ll give him my credit card number.  I always pick up the cost of the trip since he has to support 2 boys, one of which starts college in 5 weeks.

If only I could fly things would be so much simpler. I missed my grandchildren growing up, although I did see my oldest grandson a couple of times a year from the week he was born until 2008 when I had to stop flying.  Doctor said it has to do with the high pressure in the plane’s cabin coupled with sitting in one place for 3+ hours each leg of the trip.  It is what it is!

Mike I just had an idea. Hear me out: How would you like to see your poster buddy and his wife? Since you are willing to lay out $1000 for round trip airfare for your Son and Grandson, spending less than $220 plus baggage fees of $92 for the round trip, you can see us. I just checked and that is the price with Spirit Airlines flying out of Latrobe PA to Fort Lauderdale for the second week in January 2019 till January 28, 2019. I say that is a real bargain especially considering that Mrs. j can cook you up some tasty meals during that period and if you're nice to me I could bring along a bottle of my favorite car wax so that when I have finished doing your car it will be the envy of your complex. Think it over and you'll see that is a great bargain for both of us. jmonroe

So, if I get the gist of your proposal, I just send you about $220 so I can have the distinct pleasure of you and Mrs. jmonroe joining me for a week in this tropical paradise, right?  And, Mrs. jmonroe will cook up a storm in the kitchen while we sit in the dining room and watch her prepare meal after meal, right?

After carefully considering your offer, I PASS!   

ab348

Well, that didn't take long.

imidazol97

I hope JMonroe can handle the rejection.

abacomike

imidazol97 said:

I hope JMonroe can handle the rejection.

It’s really not a rejection - if he wants to.visit, he can pay his own way down.  Paying someone to come visit me “ends” with family members.  So unless his DNA shows we are related from the distant past - perhaps the bronze or iron ages - he’s out of luck! 

iluvmysephia1

Ahh, jmonroe's gonna feel the pain from that. 

Not! 

abacomike

iluvmysephia1 said:

Ahh, jmonroe's gonna feel the pain from that. 

Not! 

All he has to do is have “Ancestry.com” analyze his DNA - we’ll know quickly if we’re related!  If there is a match, I will pay his airplane trip (and Mrs. jmonroe’s) to my tropical paradise! 

driver100

Only J.M.O.N.R.O.E. could invite himself to stay at your home.....and have you pay for his travel expenses.
I think this could be used in the dictionary, as a good example of the word "chutzpah".

houdini1

I bet you had to look up how to spell "chutzpah".

sda

houdini1 said:

I bet you had to look up how to spell "chutzpah".

Rough crowd!

imidazol97

Thanks to everyone who responded about Key West and their places to stay or things to do.

isellhondas

houdini1 said:

Just look at it from the perspective that some foreigners are wise enough to invest in the good 'ol U.S.A.

I'm not looking at this from any perspective just stating facts. It is what it is and I tell the people who don't like this that they may as well get used to it.

isellhondas

fintail said:

I can believe it. I know someone who recently sold in Everett. Even there - doubled their money in less than 5 years , had something like 9 bids over asking. In Everett. Of course, they had to jump into a market where everything else has fared similarly, so now they have what I call a Big Daddy mortgage.

I am glad I am happy with nothing more than a condo so long as it has a garage.

Also amusing that for all of this tough talk regarding foreign trade, nobody is going to touch the offshore real estate money, nor perform any real vetting.

isellhondas said:

No, that isn't the case. Just modest hmes that get listed for a million dollars and sell the next day for 1.1 million. The money comes from out of the U.S. Just amazing!

Condos are great unless/until you get a rotten neighbor! Ask our son!

snakeweasel

isellhondas said:

I can believe it. I know someone who recently sold in Everett. Even there - doubled their money in less than 5 years , had something like 9 bids over asking. In Everett. Of course, they had to jump into a market where everything else has fared similarly, so now they have what I call a Big Daddy mortgage. I am glad I am happy with nothing more than a condo so long as it has a garage. Also amusing that for all of this tough talk regarding foreign trade, nobody is going to touch the offshore real estate money, nor perform any real vetting.

No, that isn't the case. Just modest hmes that get listed for a million dollars and sell the next day for 1.1 million. The money comes from out of the U.S. Just amazing!

Condos are great unless/until you get a rotten neighbor! Ask our son!

You run the risk of having a bad neighbor in a house too. About the only way to shield yourself from a bad neighbor is with either a tall fence or a lot of distance. 

driver100

houdini1 said:

I bet you had to look up how to spell "chutzpah".

Actually I didn't.
I even think I got it right before spell check.

driver100

sda said:

houdini1 said:

I bet you had to look up how to spell "chutzpah".

Rough crowd!

Yeh, this is like amateur night at the comedy club.

nyccarguy

isellhondas said:

fintail said:

I can believe it. I know someone who recently sold in Everett. Even there - doubled their money in less than 5 years , had something like 9 bids over asking. In Everett. Of course, they had to jump into a market where everything else has fared similarly, so now they have what I call a Big Daddy mortgage.

I am glad I am happy with nothing more than a condo so long as it has a garage.

Also amusing that for all of this tough talk regarding foreign trade, nobody is going to touch the offshore real estate money, nor perform any real vetting.

isellhondas said:

No, that isn't the case. Just modest hmes that get listed for a million dollars and sell the next day for 1.1 million. The money comes from out of the U.S. Just amazing!

Condos are great unless/until you get a rotten neighbor! Ask our son!

Do tell!

driver100

nyccarguy said:

isellhondas said:

fintail said:

I can believe it. I know someone who recently sold in Everett. Even there - doubled their money in less than 5 years , had something like 9 bids over asking. In Everett. Of course, they had to jump into a market where everything else has fared similarly, so now they have what I call a Big Daddy mortgage.

I am glad I am happy with nothing more than a condo so long as it has a garage.

Also amusing that for all of this tough talk regarding foreign trade, nobody is going to touch the offshore real estate money, nor perform any real vetting.

isellhondas said:

No, that isn't the case. Just modest hmes that get listed for a million dollars and sell the next day for 1.1 million. The money comes from out of the U.S. Just amazing!

Condos are great unless/until you get a rotten neighbor! Ask our son!

Do tell!

How about my neighbor who cut down 5 40 foot spruce trees? And, it cost about $10000 to replace them. Then I didn't talk to him for 4 years. Then he got fired from his cushy job, sold his house and moved 4000 miles away. The new neighbors are great!

jmonroe

abacomike said:

jmonroe said:

abacomike said:

stickguy said:

sounds like a fun time Mike. Hard to be so far from family.

You are right, stick.  Being 2500 miles from those you love is a terrible situation.  Doctor won’t let me fly since I developed a blood clot in my left knee area 10 years ago.  So, I have to wait for summer to see them.

Checked American Airlines and it will cost about $1000 round trip for both of them.  Once my son selects the flights, I’ll give him my credit card number.  I always pick up the cost of the trip since he has to support 2 boys, one of which starts college in 5 weeks.

If only I could fly things would be so much simpler. I missed my grandchildren growing up, although I did see my oldest grandson a couple of times a year from the week he was born until 2008 when I had to stop flying.  Doctor said it has to do with the high pressure in the plane’s cabin coupled with sitting in one place for 3+ hours each leg of the trip.  It is what it is!

Mike I just had an idea. Hear me out:

How would you like to see your poster buddy and his wife? Since you are willing to lay out $1000 for round trip airfare for your Son and Grandson, spending less than $220 plus baggage fees of $92 for the round trip, you can see us. I just checked and that is the price with Spirit Airlines flying out of Latrobe PA to Fort Lauderdale for the second week in January 2019 till January 28, 2019. I say that is a real bargain especially considering that Mrs. j can cook you up some tasty meals during that period and if you're nice to me I could bring along a bottle of my favorite car wax so that when I have finished doing your car it will be the envy of your complex.

Think it over and you'll see that is a great bargain for both of us.

jmonroe

So, if I get the gist of your proposal, I just send you about $220 so I can have the distinct pleasure of you and Mrs. jmonroe joining me for a week in this tropical paradise, right?  And, Mrs. jmonroe will cook up a storm in the kitchen while we sit in the dining room and watch her prepare meal after meal, right?

After carefully considering your offer, I PASS!   

Just got back in here after starting to replace the wrought iron railing on the front porch with one of those new fangled white vinyl jobs. No more painting, yippee. It always takes longer than I think it will but I'm pretty much of a perfectionist, got to get it measured out to 1/32 of an inch.

Anyway @Mike, you almost got the gist of it. It was for two weeks not one AND a wax job for your Benz. Your loss. I'll just stay with my Delray Beach SIL as usual.

As we have always said in the car biz..."if you don't ask you won't get". No hard feelings on my end.

jmonroe

fintail

Always look into the HOA and the rental cap. I've lived near a few door slammers and noisemakers over the years, but not much worse. Bad neighbors are a risk no matter your dwelling, land disputes can be terminal.

Condos will be the way forward around here for many, unless there's an exodus, legit management of offshore so-called investment, and discovery of a bunch of conveniently located new land.

isellhondas said:

Condos are great unless/until you get a rotten neighbor! Ask our son!

houdini1

driver100 said:

houdini1 said:

I bet you had to look up how to spell "chutzpah".

Actually I didn't.
I even think I got it right before spell check.

You get the gold star excellent speller award for that one !

jmonroe

houdini1 said:

driver100 said:

houdini1 said:

I bet you had to look up how to spell "chutzpah".

Actually I didn't.
I even think I got it right before spell check.

You get the gold star excellent speller award for that one !

I wouldn't be so quick with any awards. He was only THINKING he got it right before spell check.

jmonroe

suydam

Since Yiddish is written in a different alphabet, you can spell it pretty much any way you want as long as it kinda sounds right.

abacomike

jmonroe said:

jmonroe said:

stickguy said:

sounds like a fun time Mike. Hard to be so far from family.

You are right, stick.  Being 2500 miles from those you love is a terrible situation.  Doctor won’t let me fly since I developed a blood clot in my left knee area 10 years ago.  So, I have to wait for summer to see them.

Checked American Airlines and it will cost about $1000 round trip for both of them.  Once my son selects the flights, I’ll give him my credit card number.  I always pick up the cost of the trip since he has to support 2 boys, one of which starts college in 5 weeks.

If only I could fly things would be so much simpler. I missed my grandchildren growing up, although I did see my oldest grandson a couple of times a year from the week he was born until 2008 when I had to stop flying.  Doctor said it has to do with the high pressure in the plane’s cabin coupled with sitting in one place for 3+ hours each leg of the trip.  It is what it is!

Mike I just had an idea. Hear me out: How would you like to see your poster buddy and his wife? Since you are willing to lay out $1000 for round trip airfare for your Son and Grandson, spending less than $220 plus baggage fees of $92 for the round trip, you can see us. I just checked and that is the price with Spirit Airlines flying out of Latrobe PA to Fort Lauderdale for the second week in January 2019 till January 28, 2019. I say that is a real bargain especially considering that Mrs. j can cook you up some tasty meals during that period and if you're nice to me I could bring along a bottle of my favorite car wax so that when I have finished doing your car it will be the envy of your complex. Think it over and you'll see that is a great bargain for both of us. jmonroe

So, if I get the gist of your proposal, I just send you about $220 so I can have the distinct pleasure of you and Mrs. jmonroe joining me for a week in this tropical paradise, right?  And, Mrs. jmonroe will cook up a storm in the kitchen while we sit in the dining room and watch her prepare meal after meal, right?

After carefully considering your offer, I PASS!   

Just got back in here after starting to replace the wrought iron railing on the front porch with one of those new fangled white vinyl jobs. No more painting, yippee. It always takes longer than I think it will but I'm pretty much of a perfectionist, got to get it measured out to 1/32 of an inch. Anyway @Mike, you almost got the gist of it. It was for two weeks not one AND a wax job for your Benz. Your loss. I'll just stay with my Delray Beach SIL as usual. As we have always said in the car biz..."if you don't ask you won't get". No hard feelings on my end. jmonroe

Forgot about the wax and detailing of my Benz - I’M IN!  So while I sit on a folding chair watching you detail the Benz in the 95 degree heat with outrageous humidity as Mrs. jmonroe fattens me up with her cooking, I will be tickled pink as the Yuenglings are passed around.  As for two weeks instead of one week - that’s OK because the Benz is big and I’m a hard man to please.  

Which dates should I schedule for your arrival?  

iluvmysephia1

So the deal you were offering abacomike was serious and as real as Big Ben's Steeler's helmet, jmonroe?

berri

The other issue with condos is if there are disagreements about replacing a roof, or how to repair after a fire, etc. Sure, the condo usually requires the same insurance in your fees, but doesn't mean everyone will agree with settlement amount or approach. If you buy a condo I think it is doubly important that it has some special attractions, otherwise they can often be harder to sell than a house. If you like the convenience of lawn or pool maintenance, you can also get that in a single family home in many HOA communities. Now a condo on Lake Shore Drive overlooking Lake Michigan and the Chicago skyline, Central Park in NYC or Biscayne Bay in the Miami area, that's hard to duplicate in a house. But that's just my view and a condo can give you a lot more for your money.

berri

Aba and JM, I think you've got to be really good friends to spend a week together in small spaces

28firefighter

suydam said:

Since Yiddish is written in a different alphabet, you can spell it pretty much any way you want as long as it kinda sounds right.

Correct. Any English spelling is transliteration. That said some words have more expected transliteration than others. 

berri

Now don't get political with that Animal Farm analogy - just kidding!

tbirdmarco

https://m.youtube.com/watch?v=dXay7bStTp4

abacomike

berri said:

Aba and JM, I think you've got to be really good friends to spend a week together in small spaces

2 weeks - and you are correct!

xwesx

snakeweasel said:

One thing that I didn't understand about Toronto, since the plural of leaf is leaves why isn't their hockey team called the Maple Leaves.

The would probably get a bunch of wisecracking fans chanting, "Go, Maples, Go." Or, "Hit the road, Leaves, and don't come back no more, no more, no more, no more!"

xwesx

snakeweasel said:

You run the risk of having a bad neighbor in a house too. About the only way to shield yourself from a bad neighbor is with either a tall fence or a lot of distance. 

Isn't that the truth! I recommend five acres, minimum, WITH fences and, preferably, thick vegetation.

xwesx

abacomike said:

Forgot about the wax and detailing of my Benz - I’M IN!  So while I sit on a folding chair watching you detail the Benz in the 95 degree heat with outrageous humidity as Mrs. jmonroe fattens me up with her cooking, I will be tickled pink as the Yuenglings are passed around.  As for two weeks instead of one week - that’s OK because the Benz is big and I’m a hard man to please.  

Which dates should I schedule for your arrival?  

Two weeks... that might just be enough time for TWO waxings if you get him out there at the start of the trip for the first one. Another dust spell would certainly warrant a second effort!

roadburner

xwesx said:

snakeweasel said:

You run the risk of having a bad neighbor in a house too. About the only way to shield yourself from a bad neighbor is with either a tall fence or a lot of distance. 

Isn't that the truth! I recommend five acres, minimum, WITH fences and, preferably, thick vegetation.

I am so blessed to live on a farm; I will never have to worry about neighbors...

tbirdmarco

https://m.youtube.com/watch?v=uatb_5eq0Wg

qbrozen

xwesx said:

You run the risk of having a bad neighbor in a house too. About the only way to shield yourself from a bad neighbor is with either a tall fence or a lot of distance. 

Isn't that the truth! I recommend five acres, minimum, WITH fences and, preferably, thick vegetation.

I'm on about 4.5 acres with quiet roads on 3 sides and a tree line on 3 sides. It is pretty much perfectly suited to my attitude towards neighbors.

driver100

berri said:

Aba and JM, I think you've got to be really good friends to spend a week together in small spaces

I hope J.M.'s stories are shorter than his posts.

andres3

driver100 said:

oldfarmer50 said:

driver100 said:

Oldfarmer....just to clarify, when no one had an answer to why your Ford stalled I said because it was a Ford because people say stuff like that.....I should have used a smiley face.
I in no way was beseeching the good name of the Ford Motor Company. Ford makes good cars.

J.M.onroe will say I am backpedaling, but I mean it, l was just saying a fast trash comment, that definitely was not taken the way I intended.

Don't worry driver100, I know what you meant. I have no illusions about Ford. They have built some terrific cars but like all manufacturers they've had flops and dogs. In the 60s I wouldn't touch a Ford because of the trannies, now they have a few cars I wouldn't mind owning. I think the choice to stop producing sedans is the stupidest move they ever made.

I am glad you understand what I was trying to say oldfarmer. It would wouldn't make sense to say you don't like one particular brand because almost every brand has some awesome models....or, could have cars that don't suit my needs but are perfect for someone else. Even if I didn't like Chrysler, I still would still consider a He'll cat for example. I love Mustangs....If I could have any 10 cars in Driver's Garage, a Mustang would be one of them.

And then there's me, I wouldn't pay for a Hellcat or Demon or anything else from Chrysler.

You couldn't give one away to me...... unless..... you paid all the taxes and STATE fees too, and left an escrow account stocked with 4 figures to handle all the TOW trucks and UBER/LYFT/taxi cab trips to rental car agencies I'll need. Then I'd consider taking it off your hands.

andres3

snakeweasel said:

andres3 said;
I've debunked the "speeding doesn't save time, or at least not significant time" many times.
I've debunked it in my own real-world studies.

Occasionally you'll get caught up to at red lights, but occasionally you'll also arrive 15 minutes earlier on a 30 minute drive because the slowpoke got caught by a 20 MPH moving train that's 3 miles long, the train you managed to avoid by mere seconds because you sped for mere seconds. The sucker gets caught by the falling traffic arms by mere seconds.

I'm sure if we graphed the time savings it would be a bell curve like anything else. Multiple 5 minutes saved by thousands of commute days in your lifetime, and suddenly you've lived years longer; at least outside of your car. If you call commuting living, well, then you win.

You haven't debunked it as much as disagreed with it. Time saved by going faster is a function of speed difference and distance, but that doesn't account for traffic, traffic controls and other obstacles. For example, I will be driving to Florida later this month, a drive just over 1,200 miles. Going 1 MPH faster could save me 12 minutes or more, but on my daily commute an additional 1 MPH shortens my drive time by maybe 10 seconds. And that doesn't account for congestion.

In high congestion areas especially in rush hour traffic going faster mostly gets you to the next light faster, not through it faster.

Since the average driver drives less than 50 miles a day on average and a great deal of it in congested areas little time can be saved.

Now for your 5 minutes a day, saved time must be spent when saved or its wasted. If I save $5 a day for 30 days and I would have an extra $150 at the end of the month. If you save 5 minutes a day for 30 days at the end of the month you will not have any extra time.

Don't forget about the times you "see" a multi-lane multi-car crash 2 or 3 miles ahead of you, while the speed demon sees it in the rear-view mirror. What's the longest you've spent traveling 2 or 3 miles before?

I can't see time as ever being wasted as I think all speeders have determined that Carlin was right, going slower is idiotic. Therefore, I'd rather watch paint dry and grass grow then be stuck in bumper to bumper traffic.