=====================
American Green, Inc. (ERBB)
Alert Price: $0.025
Chart Analysis
Website | Recent News
========================
Members,
We've just identified an amazing bounce opportunity in the CBD sector.
Please turn your immediate attention to American Green, Inc. (ERBB).
Today we witnessed an unwarranted selloff in a company that appears well on its way towards making a turn for the better.
Cannabis stocks are set to rally across the board, as investors returned to the beaten-down-sector with a fresh enthusiasm, following a historic House vote in favor of a bill that would lift the federal ban on weed.
The vote may have also triggered Bank of America's upgrade of Canopy Growth.
Bank of America analyst Christopher Carey upgraded Canopy Growth's stock to a buy rating from a neutral rating.
This upgrade appears to have had a halo effect on the entire CBD sector!
Luckily, we've identified the perfect way to play this CBD rally.
Just like many of it peers, ERBB is grossly oversold despite the fact that it is exceeding revenue expectations, and just released huge news today regarding their entrance into the rapidly growing CBD infused drinks market.
Zenith Global, a leading global food and drink consulting firm, projects that the US market for cannabis, CBD and Hemp-infused drinks will grow to over $1.4 Billion by 2024, an almost fifteen times (15x) increase from 2018 sales of just $89 million.
In addition to today's blockbuster announcement, we see several bullish catalysts on the horizon for ERBB.
For starters, the Company is all set to kickoff operations on their highly anticipated “Edibles” Kitchen sometime this month!
ERBB has also surpassed revenue goals in their 12,000 sq. ft. Phoenix indoor grow operation, aptly named “Sweet Virginia.”
Today's selloff just created what we believe to be one of the most attractive buy-low/sell-high opportunities we've seen in quite some time.
When you take into account the upcoming bullish catalysts, and all of the milestones the Company has reached this year, we think you'll agree that it is currently undervalued and oversold at the current share price.
About American Green Inc.
American Green, Inc. (ERBB) is the second oldest publicly-traded cannabis company in America, with over 60,000 certified shareholders, more than any other company in the cannabis sector.
American Green's mission is to lead the cannabis and premium CBD industry. Leveraging their team of professionals in cultivation management, manufacturing, extraction, wholesale, retail, and community outreach, we strive to develop sustainable initiatives in the cannabis-adjacent and CBD industries, laser-focused on adding company and shareholder value.
ERBB has participated in nearly all facets of the cannabis market and its current initiatives include (but are not limited to) the transformation of nearly-abandoned towns into "cannabis-friendly" destinations, a state-of-the-art cultivation facility in Arizona (Q4/17), promotion of medical-focused CBD (Cannabidiol) products from both whole plant and organic hemp sources, a smart automated vending solution system called AGM designed specifically to electronically identify, in advance of a sale, individuals wishing to purchase controlled products that include cannabis, CBD, pharmaceuticals, and alcoholic beverages in casinos and sports stadiums.
In addition, American Green sees the continuing legalization of cannabis running in parallel to the gold rush in America in the mid-1800's. American Green has purchased the town of Nipton, California which it intends to develop into energy-independent, cannabis-friendly hospitality and employment zones. AG Managed Services provides consulting and capital resources for existing and new-build industry operations such as its joint venture relationship it enjoys with Hempful Farms.
2019 Was A Year Of Milestones For ERBB
Entered the CBD-Infused Drink Market with Vessl, Inc. - Inventors of the Patented Bottle Cap Designed to Propel CBD and Flavor into the Drink the Moment It is Twisted Open by the Consumer
The Sweet Virginia Grow surpassed $870,000 in cannabis sales after just 7 months of operation and is operating at near-capability within its 12,000 sq. ft. Phoenix facility.
American Green-grown "connoisseur quality" medical marijuana is currently being sold in 36 Arizona state-licensed dispensaries who sell high-quality cannabis products to their patients. These dispensaries represent more than 33% of all of Arizona's active Medical Marijuana patients. This milestone was achieved by carefully integrating Sweet Virginia's output with the ever-changing needs of Arizona's cannabis marketplace.
With total revenues so far this year surpassing $1,300,000, the Phoenix Grow has exceeded its goal set for this date by over $50,000. American Green manages the grow under American Green’s Management Agreement with licensor, Natural Herbal Remedies.
Hydr8, LLC has selected American Green to deliver its premium hemp nano bottled water product to selected Las Vegas hotel and convention centers using the company’s proprietary smart vending machines called AGM. For the past year, American Green has been using Hydr8’s proprietary concentrate to formulate the company’s CBD and HEMP products.
ERBB Is Taking Vegas By Storm
Hydr8 Chooses American Green’s Smart Vending Solution to Provide Hemp Nano Water to Las Vegas Hotels and Convention Centers
In September, ERBB announced that Hydr8, LLC has selected American Green to deliver its premium hemp nano bottled water product to selected Las Vegas hotel and convention centers using the company’s proprietary smart vending machines called AGM. For the past year, American Green has been using Hydr8’s proprietary concentrate to formulate the company’s CBD and HEMP products.
What makes Hydr8’s nano-blended water special is that it goes through a 7-step purification process resulting in a smooth finish with no aftertaste. “American Green’s online customers love it!” says the company’s Online Marketing VP, Kevin Davis. “Hydr8’s extremely high quality and the purity of its Organic Hemp and CBD combine to create American Green’s popular CBD and Hemp Shots.” (American Green CBD Shots).
Hydr8’s plan is to distribute their water-infused products utilizing the “smart vending” technology (AGM) provided by American Green. Using this smart vending approach, Hydr8 plans to increase sales of its bottled products, along with selected American Green CBD offerings, at participating Las Vegas hotels and convention centers. The AGM touchscreens are easy to operate and are expected to create a real benefit to hotel and convention guests. When placed in the right, high-traffic locations, American Green’s AGMs are expected to deliver an additional profit center for Hydr8, American Green, and Las Vegas Hotels and Convention Centers.
The American Green/Hydr8 AGM Vending Solution will be rolled out to Hydr8’s first selected participating hotel or convention center property as soon as possible. Subject to a successful performance trial, Hydr8 intends to place an order for 19 more AGMs as the new properties are signed up. American Green will then have 60 days to deliver a Hydr8-branded AGM to each new property.
According to Michelle Wilkos, Hydr8’s founder and president, “We’ve had a great relationship with American Green over the past year and I’m continually amazed at their professionalism and am looking forward to this new venture with them. I believe that the AGM vending solution is the technology for tomorrow. They’ve spent years developing it, and I think it’s the perfect method to dispense our refrigerated Hemp nano-infused water to the hospitality Industry in Las Vegas and throughout Nevada.”
David Gwyther, American Green’s president, added, “It is fantastic that Hydr8 chose American Green’s AGM vending solution for its planned Las Vegas rollout of their Hydr8 Hemp Nano water product line. Our experience with the Hydr8 team has been excellent, and I am confident that our smart vending division will work well with their staff to deliver the highest quality of refrigerated, Hemp nano-infused bottled water to the Las Vegas Hospitality Industry.”
CBD Edibles: The Tastiest Products On The Market Today
CBD Infused Edible Market Projected to Be $4.1 Billion in 2019
Over the past year, CBD edibles have taken up a big piece of the industry's pie. According to MarketWatch, the sector is anticipated to hit $4.1 billion in 2019, which is one of the fastest-growing markets out.
By building a position in ERBB, you now have an opportunity to grab a piece of this rapidly growing market at just a little above $0.02 per share!
“Sweet Virginia,” ERBB'S Managed Premium Cannabis Operation in Phoenix, Surpasses Milestones of Revenue and Quality
American Green’s New Licensed Cannabis “Edibles” Kitchen is Scheduled to Begin Operation this Month
Last month, ERBB announced that it has again surpassed milestone expectations of both quality and revenue in its 12,000 sq. ft. Phoenix indoor grow operation it calls “Sweet Virginia.” Shareholders and other interest holders can now view the company’s LIVE grow operations during business hours at Sweet Virginia Live, or drop by the American Green Website and click the “Live” tab at the top of the page.
With total revenues so far this year surpassing $1,300,000, the Phoenix Grow has exceeded its goal set for this date by over $50,000. American Green manages the grow under American Green’s Management Agreement with licensor, Natural Herbal Remedies.
According to Grow Manager Bryan Croteau, “Over the last year, the Sweet Virginia Grow has seen many upgrades to its infrastructure which were required to produce only top quality cannabis products. Improvements such as automating tasks for efficiency and consistency, and hand-trimming of the flower (vs machine trimming) to give American Green’s Top Shelf OG Zonka brand product the proper appearance needed to “shine” atop the dispensaries highest shelf of medication.”
As a result of a recent favorable Arizona Supreme Court decision, our Phoenix Sweet Virginia indoor grow operation has begun offering an entire concentrate line of all of the strains that we produce. This smokable form of "Rosin” is a concentrated form of cannabis hashish that is manufactured using only high-grade plant material which applies only a slight amount of heat and a large amount of pressure. Look for the "OG Zonka" brand of solvent-free rosin at many of Arizona’s finest medical dispensaries.
Currently, the Phoenix Facility is installing a State Licensed kitchen, which we will operate out of our facility. It is scheduled for completion next month (Nov19). Upon completion, we will be able to produce an entire line of infused edibles allowing us to take part in the 3 largest markets that are available to state licensed grow operations: Flower (raw buds), Concentrates (Rosin), and Edibles (infused edibles).
According to David Gwyther, American Green’s president, “Once our Grow Manager is satisfied with both quality and revenue, the company’s plan is to build larger grows both here in Arizona and in other states where our experience in growing a superior product and our professionalism will give us a ‘leg up’ when competing against other licensed grow operations.”
Market Outlook
Brightfield Group, a leading market and consumer intelligence firm for the legal CBD and cannabis industries, reported significant expected acceleration in growth for the CBD market, resulting in a 706% year-over-year CBD product sales jump in the US in 2019 to around $5 billion in total sales, with sales expected to reach $23.7 billion by 2023. This suggests the overall CBD-based products market is set to grow by a stunning 107% CAGR over coming years.
According to the Marijuana Business Factbook, retail sales of medical and recreational cannabis in the United States are on pace to eclipse $12 billion by the end of this year. This would be an increase of roughly 35% over 2018.
Retail sales could rise as high as $30 billion by 2023!
It was a banner year in 2018 with investors pouring an amazing $10 billion into cannabis in North America.
There has been a tremendous amount of positive buzz surrounding the legal marijuana industry, especially with politician on board to decriminalize the plant. This has helped marijuana stocks witness supreme rallies in recent years.
When the Food and Drug Administration approves the first pharmaceutical drug made from cannabis, it says something. When Corona Beer’s owner makes a $4 billion bet on a marijuana firm called Canopy Growth it says something.
When one marijuana company called Tilray Inc. sees its shares explode from under $60 to over $200 in just three weeks after making its debut in the market, it says something.
When one analyst predicts that legal marijuana could soon become a bigger industry than soda, it says something.
One of the top marijuana analysts, Vivien Azer at Cowen, is also calling for total U.S. cannabis sales to hit $80 billion by 2030!
A survey from Yahoo News and Marist College, has additionally illustrated just how mainstream marijuana has become. Nearly 55 million adults currently use the drug. Let’s face it, we are in a MARIJUANA REVOLUTION!
Over the years, research has yielded results that indicate marijuana may be beneficial in the treatment of many conditions including chronic pain, drug addiction, anxiety, PTSD, neurological disorders, and cancer.
Technical Analysis
We believe the selling off of ERBB is done with, and a strong reversal could happen tomorrow.
We've done our very own chart analysis, and see the potential for a move of around +75%!
Key Indicators
Bollinger Bands are Converging, Signalling a Notable Move is Imminent
Histogram Ticking Higher and Green
MACD in Bullish Uptrend
Momentum is a Leading Indicator and is Signaling a Rise is imminent
The Bottom Line
ERBB is a true buy-low/sell-high opportunity.
When you take into account the upcoming bullish catalysts, and all of the milestones the Company has reached this year, we think you'll agree that it is currently undervalued and oversold at the current share price.
(*Remember to use a Stop-Loss Order or basic Limit Order to protect your gains, as well as limit possible losses.)
Best Regards,
Past performance is not an indicator of future returns. The publishers of this report are not investment advisors and does not provide investment advice. Always do your own research and make your own investment decisions. This message is not a solicitation or recommendation to buy, sell, or hold securities. The publishers of this report have received compensation from a third party of USD $10,000 cash for a 5 day marketing contract for ERBB . Never make investment decisions based on anything the publisher of this report says. This message is meant for informational and educational purposes only and does not provide investment advice.
American Green, Inc. (ERBB)
Alert Price: $0.025
Chart Analysis
Website | Recent News
========================
Members,
We've just identified an amazing bounce opportunity in the CBD sector.
Please turn your immediate attention to American Green, Inc. (ERBB).
Today we witnessed an unwarranted selloff in a company that appears well on its way towards making a turn for the better.
Cannabis stocks are set to rally across the board, as investors returned to the beaten-down-sector with a fresh enthusiasm, following a historic House vote in favor of a bill that would lift the federal ban on weed.
The vote may have also triggered Bank of America's upgrade of Canopy Growth.
Bank of America analyst Christopher Carey upgraded Canopy Growth's stock to a buy rating from a neutral rating.
This upgrade appears to have had a halo effect on the entire CBD sector!
Luckily, we've identified the perfect way to play this CBD rally.
Just like many of it peers, ERBB is grossly oversold despite the fact that it is exceeding revenue expectations, and just released huge news today regarding their entrance into the rapidly growing CBD infused drinks market.
Zenith Global, a leading global food and drink consulting firm, projects that the US market for cannabis, CBD and Hemp-infused drinks will grow to over $1.4 Billion by 2024, an almost fifteen times (15x) increase from 2018 sales of just $89 million.
In addition to today's blockbuster announcement, we see several bullish catalysts on the horizon for ERBB.
For starters, the Company is all set to kickoff operations on their highly anticipated “Edibles” Kitchen sometime this month!
ERBB has also surpassed revenue goals in their 12,000 sq. ft. Phoenix indoor grow operation, aptly named “Sweet Virginia.”
Today's selloff just created what we believe to be one of the most attractive buy-low/sell-high opportunities we've seen in quite some time.
When you take into account the upcoming bullish catalysts, and all of the milestones the Company has reached this year, we think you'll agree that it is currently undervalued and oversold at the current share price.
About American Green Inc.
American Green, Inc. (ERBB) is the second oldest publicly-traded cannabis company in America, with over 60,000 certified shareholders, more than any other company in the cannabis sector.
American Green's mission is to lead the cannabis and premium CBD industry. Leveraging their team of professionals in cultivation management, manufacturing, extraction, wholesale, retail, and community outreach, we strive to develop sustainable initiatives in the cannabis-adjacent and CBD industries, laser-focused on adding company and shareholder value.
ERBB has participated in nearly all facets of the cannabis market and its current initiatives include (but are not limited to) the transformation of nearly-abandoned towns into "cannabis-friendly" destinations, a state-of-the-art cultivation facility in Arizona (Q4/17), promotion of medical-focused CBD (Cannabidiol) products from both whole plant and organic hemp sources, a smart automated vending solution system called AGM designed specifically to electronically identify, in advance of a sale, individuals wishing to purchase controlled products that include cannabis, CBD, pharmaceuticals, and alcoholic beverages in casinos and sports stadiums.
In addition, American Green sees the continuing legalization of cannabis running in parallel to the gold rush in America in the mid-1800's. American Green has purchased the town of Nipton, California which it intends to develop into energy-independent, cannabis-friendly hospitality and employment zones. AG Managed Services provides consulting and capital resources for existing and new-build industry operations such as its joint venture relationship it enjoys with Hempful Farms.
2019 Was A Year Of Milestones For ERBB
Entered the CBD-Infused Drink Market with Vessl, Inc. - Inventors of the Patented Bottle Cap Designed to Propel CBD and Flavor into the Drink the Moment It is Twisted Open by the Consumer
The Sweet Virginia Grow surpassed $870,000 in cannabis sales after just 7 months of operation and is operating at near-capability within its 12,000 sq. ft. Phoenix facility.
American Green-grown "connoisseur quality" medical marijuana is currently being sold in 36 Arizona state-licensed dispensaries who sell high-quality cannabis products to their patients. These dispensaries represent more than 33% of all of Arizona's active Medical Marijuana patients. This milestone was achieved by carefully integrating Sweet Virginia's output with the ever-changing needs of Arizona's cannabis marketplace.
With total revenues so far this year surpassing $1,300,000, the Phoenix Grow has exceeded its goal set for this date by over $50,000. American Green manages the grow under American Green’s Management Agreement with licensor, Natural Herbal Remedies.
Hydr8, LLC has selected American Green to deliver its premium hemp nano bottled water product to selected Las Vegas hotel and convention centers using the company’s proprietary smart vending machines called AGM. For the past year, American Green has been using Hydr8’s proprietary concentrate to formulate the company’s CBD and HEMP products.
ERBB Is Taking Vegas By Storm
Hydr8 Chooses American Green’s Smart Vending Solution to Provide Hemp Nano Water to Las Vegas Hotels and Convention Centers
In September, ERBB announced that Hydr8, LLC has selected American Green to deliver its premium hemp nano bottled water product to selected Las Vegas hotel and convention centers using the company’s proprietary smart vending machines called AGM. For the past year, American Green has been using Hydr8’s proprietary concentrate to formulate the company’s CBD and HEMP products.
What makes Hydr8’s nano-blended water special is that it goes through a 7-step purification process resulting in a smooth finish with no aftertaste. “American Green’s online customers love it!” says the company’s Online Marketing VP, Kevin Davis. “Hydr8’s extremely high quality and the purity of its Organic Hemp and CBD combine to create American Green’s popular CBD and Hemp Shots.” (American Green CBD Shots).
Hydr8’s plan is to distribute their water-infused products utilizing the “smart vending” technology (AGM) provided by American Green. Using this smart vending approach, Hydr8 plans to increase sales of its bottled products, along with selected American Green CBD offerings, at participating Las Vegas hotels and convention centers. The AGM touchscreens are easy to operate and are expected to create a real benefit to hotel and convention guests. When placed in the right, high-traffic locations, American Green’s AGMs are expected to deliver an additional profit center for Hydr8, American Green, and Las Vegas Hotels and Convention Centers.
The American Green/Hydr8 AGM Vending Solution will be rolled out to Hydr8’s first selected participating hotel or convention center property as soon as possible. Subject to a successful performance trial, Hydr8 intends to place an order for 19 more AGMs as the new properties are signed up. American Green will then have 60 days to deliver a Hydr8-branded AGM to each new property.
According to Michelle Wilkos, Hydr8’s founder and president, “We’ve had a great relationship with American Green over the past year and I’m continually amazed at their professionalism and am looking forward to this new venture with them. I believe that the AGM vending solution is the technology for tomorrow. They’ve spent years developing it, and I think it’s the perfect method to dispense our refrigerated Hemp nano-infused water to the hospitality Industry in Las Vegas and throughout Nevada.”
David Gwyther, American Green’s president, added, “It is fantastic that Hydr8 chose American Green’s AGM vending solution for its planned Las Vegas rollout of their Hydr8 Hemp Nano water product line. Our experience with the Hydr8 team has been excellent, and I am confident that our smart vending division will work well with their staff to deliver the highest quality of refrigerated, Hemp nano-infused bottled water to the Las Vegas Hospitality Industry.”
CBD Edibles: The Tastiest Products On The Market Today
CBD Infused Edible Market Projected to Be $4.1 Billion in 2019
Over the past year, CBD edibles have taken up a big piece of the industry's pie. According to MarketWatch, the sector is anticipated to hit $4.1 billion in 2019, which is one of the fastest-growing markets out.
By building a position in ERBB, you now have an opportunity to grab a piece of this rapidly growing market at just a little above $0.02 per share!
“Sweet Virginia,” ERBB'S Managed Premium Cannabis Operation in Phoenix, Surpasses Milestones of Revenue and Quality
American Green’s New Licensed Cannabis “Edibles” Kitchen is Scheduled to Begin Operation this Month
Last month, ERBB announced that it has again surpassed milestone expectations of both quality and revenue in its 12,000 sq. ft. Phoenix indoor grow operation it calls “Sweet Virginia.” Shareholders and other interest holders can now view the company’s LIVE grow operations during business hours at Sweet Virginia Live, or drop by the American Green Website and click the “Live” tab at the top of the page.
With total revenues so far this year surpassing $1,300,000, the Phoenix Grow has exceeded its goal set for this date by over $50,000. American Green manages the grow under American Green’s Management Agreement with licensor, Natural Herbal Remedies.
According to Grow Manager Bryan Croteau, “Over the last year, the Sweet Virginia Grow has seen many upgrades to its infrastructure which were required to produce only top quality cannabis products. Improvements such as automating tasks for efficiency and consistency, and hand-trimming of the flower (vs machine trimming) to give American Green’s Top Shelf OG Zonka brand product the proper appearance needed to “shine” atop the dispensaries highest shelf of medication.”
As a result of a recent favorable Arizona Supreme Court decision, our Phoenix Sweet Virginia indoor grow operation has begun offering an entire concentrate line of all of the strains that we produce. This smokable form of "Rosin” is a concentrated form of cannabis hashish that is manufactured using only high-grade plant material which applies only a slight amount of heat and a large amount of pressure. Look for the "OG Zonka" brand of solvent-free rosin at many of Arizona’s finest medical dispensaries.
Currently, the Phoenix Facility is installing a State Licensed kitchen, which we will operate out of our facility. It is scheduled for completion next month (Nov19). Upon completion, we will be able to produce an entire line of infused edibles allowing us to take part in the 3 largest markets that are available to state licensed grow operations: Flower (raw buds), Concentrates (Rosin), and Edibles (infused edibles).
According to David Gwyther, American Green’s president, “Once our Grow Manager is satisfied with both quality and revenue, the company’s plan is to build larger grows both here in Arizona and in other states where our experience in growing a superior product and our professionalism will give us a ‘leg up’ when competing against other licensed grow operations.”
Market Outlook
Brightfield Group, a leading market and consumer intelligence firm for the legal CBD and cannabis industries, reported significant expected acceleration in growth for the CBD market, resulting in a 706% year-over-year CBD product sales jump in the US in 2019 to around $5 billion in total sales, with sales expected to reach $23.7 billion by 2023. This suggests the overall CBD-based products market is set to grow by a stunning 107% CAGR over coming years.
According to the Marijuana Business Factbook, retail sales of medical and recreational cannabis in the United States are on pace to eclipse $12 billion by the end of this year. This would be an increase of roughly 35% over 2018.
Retail sales could rise as high as $30 billion by 2023!
It was a banner year in 2018 with investors pouring an amazing $10 billion into cannabis in North America.
There has been a tremendous amount of positive buzz surrounding the legal marijuana industry, especially with politician on board to decriminalize the plant. This has helped marijuana stocks witness supreme rallies in recent years.
When the Food and Drug Administration approves the first pharmaceutical drug made from cannabis, it says something. When Corona Beer’s owner makes a $4 billion bet on a marijuana firm called Canopy Growth it says something.
When one marijuana company called Tilray Inc. sees its shares explode from under $60 to over $200 in just three weeks after making its debut in the market, it says something.
When one analyst predicts that legal marijuana could soon become a bigger industry than soda, it says something.
One of the top marijuana analysts, Vivien Azer at Cowen, is also calling for total U.S. cannabis sales to hit $80 billion by 2030!
A survey from Yahoo News and Marist College, has additionally illustrated just how mainstream marijuana has become. Nearly 55 million adults currently use the drug. Let’s face it, we are in a MARIJUANA REVOLUTION!
Over the years, research has yielded results that indicate marijuana may be beneficial in the treatment of many conditions including chronic pain, drug addiction, anxiety, PTSD, neurological disorders, and cancer.
Technical Analysis
We believe the selling off of ERBB is done with, and a strong reversal could happen tomorrow.
We've done our very own chart analysis, and see the potential for a move of around +75%!
Key Indicators
Bollinger Bands are Converging, Signalling a Notable Move is Imminent
Histogram Ticking Higher and Green
MACD in Bullish Uptrend
Momentum is a Leading Indicator and is Signaling a Rise is imminent
The Bottom Line
ERBB is a true buy-low/sell-high opportunity.
When you take into account the upcoming bullish catalysts, and all of the milestones the Company has reached this year, we think you'll agree that it is currently undervalued and oversold at the current share price.
(*Remember to use a Stop-Loss Order or basic Limit Order to protect your gains, as well as limit possible losses.)
Best Regards,
Past performance is not an indicator of future returns. The publishers of this report are not investment advisors and does not provide investment advice. Always do your own research and make your own investment decisions. This message is not a solicitation or recommendation to buy, sell, or hold securities. The publishers of this report have received compensation from a third party of USD $10,000 cash for a 5 day marketing contract for ERBB . Never make investment decisions based on anything the publisher of this report says. This message is meant for informational and educational purposes only and does not provide investment advice.