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financial aid for lawyer fees: Standards for the Provision of Civil Legal Aid American Bar Association. Standing Committee on Legal Aid and Indigent Defendants, 2006 |
financial aid for lawyer fees: Model Rules of Professional Conduct American Bar Association. House of Delegates, Center for Professional Responsibility (American Bar Association), 2007 The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts. |
financial aid for lawyer fees: The 10 Stupidest Mistakes Men Make When Facing Divorce Joseph Cordell, 2010-12-07 The Knowledge Every Man Needs for a Successful Divorce Each year 500,000 men will face divorce, and most of them make at least one crucial—and often irreversible—mistake. These errors might seem minor, such as moving out while things get sorted out, or thinking of “temporary” orders as being truly temporary. But when they get to court, these men discover they have put themselves in a terrible position. They may have to give up their house, pay impossibly high alimony, or even lose custody. You could be one of these men. But you don’t have to be. Joseph Cordell, the founder of the nation’s largest law firm focusing on men’s divorce and the creator of the Dads Divorce website, has seen the consequences of the mistakes men make. Drawing upon the huge number of cases that Cordell & Cordell has handled, this book identifies the 10 most common mistakes that end up hurting men in divorce. Cordell demystifies the divorce process, explains what judges consider in making their final decisions, and lays out a road map for positive actions men can take to achieve the best possible outcome. No man should face divorce without this book. |
financial aid for lawyer fees: Outsourcing Legal Aid in the Nordic Welfare States Olaf Halvorsen Rønning, Ole Hammerslev, 2017-12-21 This book is open access under a CC BY 4.0 license. This edited collection provides a comprehensive analysis of the differences and similarities between civil legal aid schemes in the Nordic countries whilst outlining recent legal aid transformations in their respective welfare states. Based on in-depth studies of Norway, Sweden, Finland, Denmark, and Iceland, the authors compare these cases with legal aid in Europe and the US to examine whether a single, unique Nordic model exists. Contextualizing Nordic legal aid in relation to welfare ideology and human rights, Hammerslev and Halvorsen Rønning consider whether flaws in the welfare state exist, and how legal aid affects disadvantaged citizens. Concluding that the five countries all have very different legal aid schemes, the authors explore an important general trend: welfare states increasingly outsourcing legal aid to the market and the third sector through both membership organizations and smaller voluntary organizations. A methodical and compassionate text, this book will be of special interest to scholars and students of the criminal justice, the welfare state, and the legal aid system. |
financial aid for lawyer fees: The Federal Student Aid Information Center , 1997 |
financial aid for lawyer fees: Guide to the Freedom of Information Act , 2009 Contains an overview discussion of the Freedom of Information Act's (FOIA) exemptions, its law enforcement record exclusions, and its most important procedural aspects. 2009 edition. Issued biennially. Other related products: Report of the Commission on Protecting and Reducing Government Secrecy, Pursuant to Public Law 236, 103d Congress can be found here: https: //bookstore.gpo.gov/products/sku/052-071-01228-1 Overview of the Privacy Act of 1974, 2015 Edition can be found here: https: //bookstore.gpo.gov/products/sku/027-000-01429-1 |
financial aid for lawyer fees: Legal Fees United States. Congress. Senate. Committee on the Judiciary. Subcommittee on Representation of Citizen Interests, 1974 |
financial aid for lawyer fees: Legal Fees United States. Congress. Senate. Committee on the Judiciary, United States. Congress. Senate. Judiciary Committee, 1974 |
financial aid for lawyer fees: Awarding of Attorneys' Fees United States. Congress. House. Committee on the Judiciary. Subcommittee on Courts, Civil Liberties, and the Administration of Justice, 1977 |
financial aid for lawyer fees: The ABA Guide to Lawyer Trust Accounts Jay G. Foonberg, 1996 A comprehensive resource discussing lawyer's trust accounts. Includes rules regulating trust accounts and good trust account procedures. |
financial aid for lawyer fees: The Truth About Children and Divorce Robert E. Emery Ph.D., 2006-01-31 Nationally recognized expert Robert Emery applies his twenty-five years of experience as a researcher, therapist, and mediator to offer parents a new road map to divorce. Dr. Emery shows how our powerful emotions and the way we handle them shape how we divorce—and whether our children suffer or thrive in the long run. His message is hopeful, yet realistic—divorce is invariably painful, but parents can help promote their children’s resilience. With compassion and authority, Dr. Emery explains: • Why it is so hard to really make divorce work • How anger and fighting can keep people from really separating • Why legal matters should be one of the last tasks • Why parental love—and limit setting—can be the best “therapy” for kids • How to talk to children, create workable parenting schedules, and more |
financial aid for lawyer fees: Higher Education Amendments of 1992 United States, 1992 |
financial aid for lawyer fees: The New International Directory of Legal Aid Peter Soar, 2021-10-18 This book is a worldwide survey of legal aid containing more than seventy responses from ministries of justice, attorney generals, law societies, bar councils and individual lawyers to a detailed questionnaire. The results, set out here in summary form, are probably the most complete survey of its kind since the Lane and Hillyard edition of the Directory in 1985. The Editor of The New International Directory of Legal Aid, former legal aid solicitor Peter Soar, says: `In preparing this new edition I have learnt from previous users that the Directory is a valuable aid for Legal Aid Boards and law schools as well as individual lawyers.' In these pages you will find the ground work of legal aid systems in some of the most diverse legal jurisdictions from the Common Law countries of England and the Commonwealth to those which employ the approach of the Napoleonic Code. Here are systems adapted to the needs of the inhabitants of Caribbean islands, central European and Baltic states, emerging African peoples, the successors to ancient Indian empires, and countries of the Pacific Rim. The different forms of legal aid are of interest to practitioners and academics but the claims of the book go further than that. Just and fair societies depend on the maintenance of the rule of law. If the legal system, and in the last resort, the courts themselves are not within the reach of all citizens then talk of their rights is empty. If poor, weak, or powerless members of society are denied access to the courts because of lack of means, or if that access depends on the willingness of some lawyers to undertake cases pro bono, it is difficult to argue that in that state human rights are any more than forms rather than reality. If lawyers themselves exchange their independence for involvement in the very process of litigation (so-called `no win, no fee'), can it be said that freedom is not compromised? Here the reader can judge what in his or her opinion is the standing in these debates of each of the jurisdictions surveyed, with the help of editorial comments and the Editor's Introduction. |
financial aid for lawyer fees: Legal Assistance United States. Department of the Army, 1995 |
financial aid for lawyer fees: Access to Justice Rebecca L. Sanderfur, 2009-03-23 Around the world, access to justice enjoys an energetic and passionate resurgence as an object both of scholarly inquiry and political contest, as both a social movement and a value commitment motivating study and action. This work evidences a deeper engagement with social theory than past generations of scholarship. |
financial aid for lawyer fees: Public Interest Lawyering Alan K. Chen, Scott Cummings, 2014-12-09 Public Interest Lawyering is the first comprehensive analysis of public interest lawyering that is suitable as a law school elective text and/or advanced legal profession courses and seminars. Drawing upon a range of theoretical and empirical perspectives, this timely textbook examines the lives of public interest lawyers, the clients and causes they serve, the contexts within which they work, the strategies they deploy, and the challenges they face today. Features: The first comprehensive overview of the broad range of contemporary issues faced by public interest lawyers in any American law school text. Thorough discussion of important theoretical issues about the scope and definition of public interest lawyering. Addresses American public interest law from a historical perspective with focus on current issues. Expansive examination of the settings in which public interest practice occurs, including nonprofit organizations, government agencies, and private law firms. Presents the advantages and limits of different legal strategies in public interest practice, including lobbying, public education, community organizing, and community economic development. Addresses contemporary challenges of public interest law in context, including economics and financing, legal ethics, the role of legal education, and the globalization of public interest practice. Discusses critiques of public interest law, including a reflection about the role of lawyers in social movements that addresses contemporary critiques. Ethical obligations of public interest lawyers. Explores special issues related to lawyer-client relations in social change contexts. Extensive coverage of: Models of law reform organizations. Conservative cause lawyering. Government lawyers. The economics of social change lawyering. Global social change lawyering. |
financial aid for lawyer fees: The Nonsense Factory Bruce Cannon Gibney, 2019-05-14 A withering and witty examination of how the American legal system, burdened by complexity and untrammeled growth, fails Americans and threatens the rule of law itself, by the acclaimed author of A Generation of Sociopaths. Our trial courts conduct hardly any trials, our correctional systems do not correct, and the rise of mandated arbitration has ushered in a shadowy system of privatized justice. Meanwhile, our legislators can't even follow their own rules for making rules, while the rule of law mutates into a perpetual state of emergency. The legal system is becoming an incomprehensible farce. How did this happen? In The Nonsense Factory, Bruce Cannon Gibney shows that over the past seventy years, the legal system has dangerously confused quantity with quality and might with legitimacy. As the law bloats into chaos, it staggers on only by excusing itself from the very commands it insists that we obey, leaving Americans at the mercy of arbitrary power. By examining the system as a whole, Gibney shows that the tragedies often portrayed as isolated mistakes or the work of bad actors -- police misconduct, prosecutorial overreach, and the outrages of imperial presidencies -- are really the inevitable consequences of law's descent into lawlessness. The first book to deliver a lucid, comprehensive overview of the entire legal system, from the grandeur of Constitutional theory to the squalid workings of Congress, The Nonsense Factory provides a deeply researched and witty examination of America's state of legal absurdity, concluding with sensible options for reform. |
financial aid for lawyer fees: Kaplan LSAT 2002-2003 Kaplan, 2002-07 You will score higher. We guarantee it. Kaplan's LSAT 2003 comes complete with a comprehensive review of all the material on the exam, plus Kaplan's test-taking strategies to maximize your score. This powerful combination is a highly effective way for you to score higher on the LSAT and make you and your application competitive for law school admissions. Succeed on the Writing Sample with Kaplan's expert strategies for constructing clear, concise, and high-scoring essays. Prepare with hundreds of practice questions for Logic Games, Logical Reasoning, and Reading Comprehension. Practice with 3 full-length LSATs, complete with explanations for every answer and detailed score analysis. Score Higher with effective strategies and advice from Kaplan's top instructors. Sign up for the Law School Edge. Tap into Kaplan's expertise with the Law School Edge, our free email newsletter. Filled with admissions tips, the latest test and career news, important deadline reminders, study aids, and more, the Law School Edge is an excellent resource for critical business school admissions information. Sign up today at kaptest.com Test Prep, Admissions and Guidance. For life. Kaplan has helped more than 3 million students achieve their educational and career goals. With 185 centers and more than 1,200 classroom locations throughout the U.S. and abroad, Kaplan provides a full range of services, including test prep courses, admissions consulting, programs for international students, professional licensing preparation, and more. For more information, contact us at 1-800-KAP-TEST or visit kaptest.com (AOL Keyword: kaplan). |
financial aid for lawyer fees: The English Legal System David Kelly, 2013-06-19 Slapper and Kelly’s The English Legal System explains and critically assesses how our law is made and applied. Annually updated, this authoritative textbook clearly describes the legal rules of England and Wales and their collective influence as a sociocultural institution. This latest edition of The English Legal System presents and analyses changes made to the legal system by the coalition government, and digests recent legislation and case law. The Constitutional Reform and Governance Act 2010, the Crime and Security Act 2010, the Coroners and Justice Act 2009, new European law, and the latest decisions of the Supreme Court are all incorporated into the text, and this edition also digests recent research on the work of juries and the criminal courts, and the 2011 changes to the regulation of, and Government contributions towards, legal services. Key learning features include: a clear and logical structure with short, manageable, well-structured individual chapters; useful chapter summaries which act as a good check point for students; sources for further reading and suggested websites at the end of each chapter to point students towards further learning pathways; an online skills network including how tos, practical examples, tips, advice and interactive examples of English law in action. Relied upon by generations of students, Slapper and Kelly’s The English Legal System is a permanent fixture in this ever evolving subject. |
financial aid for lawyer fees: No Mercy, No Justice Brooks Harrington, 2019-01-02 How can we be just and merciful? Are justice and mercy in conflict? Or are they aspects of the same truth? Christians in America are presented with two conflicting versions of justice and mercy. One version comes from the dominant secular narrative of America. Justice and mercy are contradictions. Mercy is devalued and discouraged. But within the counter narrative of God revealed through Torah, the prophets, and particularly through the life and parables of Jesus, justice and mercy are aspects of the same truth and way of God. There is no justice without mercy. There is no mercy without justice. In this book, Rev. Brooks Harrington draws on more than 40 years' experience as a criminal prosecutor, a pastor of an inner-city church in an impoverished neighborhood, and the founder of a legal ministry protecting indigent victims of family violence and child neglect and abuse. Through moving stories of women and children he has encountered, he shows the terrible toll of the dominant narrative's version of justice and mercy. And he offers Christians hope with new and startling insights into God's justice and mercy revealed in the parables of Jesus. |
financial aid for lawyer fees: The Nation's Rural Elderly United States. Congress. Senate. Special Committee on Aging, 1978 |
financial aid for lawyer fees: Clamouring for Legal Protection Robert F Barsky, 2021-07-15 In this novel approach to law and literature, Robert Barsky delves into the canon of so-called Great Books, and discovers that many beloved characters therein encounter obstacles similar to those faced by contemporary refugees and undocumented persons. The struggles of Odysseus, Moses, Aeneas, Dante, Satan, Dracula and Alice in Wonderland, among many others, provide surprising insights into current discussions about those who have left untenable situations in their home countries in search of legal protection. Law students, lawyers, social scientists, literary scholars and general readers who are interested in learning about international refugee law and immigration regulations in home and host countries will find herein a plethora of details about border crossings, including those undertaken to flee pandemics, civil unrest, racism, intolerance, war, forced marriage, or limited opportunities in their home countries. |
financial aid for lawyer fees: ERISA and Employee Benefit Law David A. Pratt, Sharon Reece, 2010 This book offers the most up-to-date, expert information on the full spectrum of pension and benefit topics -- from an easy-to-understand explanation of ERISA and other laws regulating employee benefits plans to detailed descriptions and definitions of private retirement and welfare plans as well as public programs, such as Social Security and Medicare. |
financial aid for lawyer fees: Canadian Family Law Malcolm C. Kronby, 2010-07-01 A CANADIAN BESTSELLER FULLY REVISED AND UPDATED For more than 30 years, Canadian Family Law has helped us to understand the legal issues surrounding marriage, separation and divorce, child custody and support. Now in its tenth edition, Canadian Family Law provides information on recent developments in family law, such as same-sex marriage, alternative dispute resolution and child support. Among the topics covered are: The rights and obligations of marriage The components of a separation agreement Spousal support Child support and the new guidelines Guiding principles regarding custody of children Property rights and division of property The divorce procedure Domestic contracts The enforcement of agreements Mediation and arbitration A comparative analysis of family law statutes. Illustrated with case studies, Canadian Family Law is the standard reference guide that people who are contemplating marriage, or separation and divorce, turn to for informative, readable and authoritative commentary. |
financial aid for lawyer fees: The Failure of Madison Guaranty Savings and Loan Association and Related Matters United States. Congress. House. Committee on Banking and Financial Services, 1996 |
financial aid for lawyer fees: ABA Journal , 1965-09 The ABA Journal serves the legal profession. Qualified recipients are lawyers and judges, law students, law librarians and associate members of the American Bar Association. |
financial aid for lawyer fees: The Kickass Single Mom Emma Johnson, 2017-10-17 When Emma Johnson's marriage ended she found herself broke, pregnant, and alone with a toddler. Searching for the advice she needed to navigate her new life as a single professional woman and parent, she discovered there was very little sage wisdom available. In response, Johnson launched the popular blog Wealthysinglemommy.com to speak to other women who, like herself, wanted to not just survive but thrive as single moms. Now, in this complete guide to single motherhood, Johnson guides women in confronting the naysayers in their lives (and in their own minds) to build a thriving career, achieve financial security, and to reignite their romantic life—all while being a kickass parent to their kids. The Kickass Single Mom shows readers how to: • Build a new life that is entirely on their own terms. • Find the time to devote to health, hobbies, friendships, faith, community and travel. • Be a joyful, present and fun mom, and proud role model to your kids. Full of practical advice and inspiration from Emma's life, as well as other successful single moms, this is a must-have resource for any single mom. |
financial aid for lawyer fees: One L Scott Turow, 2010-08-03 One L, Scott Turow's journal of his first year at law school and a best-seller when it was first published in 1977, has gone on to become a virtual bible for prospective law students. Not only does it introduce with remarkable clarity the ideas and issues that are the stuff of legal education; it brings alive the anxiety and competiveness--with others and, even more, with oneself--that set the tone in this crucible of character building. Each September, a new crop of students enter Harvard Law School to begin an intense, often grueling, sometimes harrowing year of introduction to the law. Turow's group of One Ls are fresh, bright, ambitious, and more than a little daunting. Even more impressive are the faculty. Will the One Ls survive? Will they excel? Will they make the Law Review, the outward and visible sign of success in this ultra-conservative microcosm? With remarkable insight into both his fellows and himself, Turow leads us through the ups and downs, the small triumphs and tragedies of the year, in an absorbing and thought-provoking narrative that teaches the reader not only about law school and the law but about the human beings who make them what they are. In the new afterword for this edition of One L, the author looks back on law school from the perspective of ten years' work as a lawyer and offers some suggestions for reforming legal education. |
financial aid for lawyer fees: Legal Aid Work American Academy of Political and Social Science, John Saeger Bradway, 1925 |
financial aid for lawyer fees: The Legal Aid Review , 1903 |
financial aid for lawyer fees: Financial Peace Dave Ramsey, 2002-01-01 Dave Ramsey explains those scriptural guidelines for handling money. |
financial aid for lawyer fees: North Carolina Reports North Carolina. Supreme Court, 1994 Cases argued and determined in the Supreme Court of North Carolina. |
financial aid for lawyer fees: Legal Resource Manual , 1990 |
financial aid for lawyer fees: Lawyer Barons Lester Brickman, 2011-01-31 This book is a broad and deep inquiry into how contingency fees distort our civil justice system, influence our political system and endanger democratic governance. Contingency fees are the way personal injury lawyers finance access to the courts for those wrongfully injured. Although the public senses that lawyers manipulate the justice system to serve their own ends, few are aware of the high costs that come with contingency fees. This book sets out to change that, providing a window into the seamy underworld of contingency fees that the bar and the courts not only tolerate but even protect and nurture. Contrary to a broad academic consensus, the book argues that the financial incentives for lawyers to litigate are so inordinately high that they perversely impact our civil justice system and impose other unconscionable costs. It thus presents the intellectual architecture that underpins all tort reform efforts. |
financial aid for lawyer fees: Palestinian Lawyers and Israeli Rule George Emile Bisharat, 2014-01-27 As frequent intermediaries between Israeli military authorities and Palestinian citizens, Palestinian lawyers stand close to the fault line dividing Israeli and Palestinian societies. The conflicts and tensions they experience in their profession mirror the larger conflicts between the two societies. Thus, as George Bisharat reveals in Palestinian Lawyers and Israeli Rule, a careful study of the work and lives of Palestinian lawyers ultimately helps to illuminate the causes of the intifada, or uprising, that began in December 1987. The study revolves around the central question of why the Palestinian legal profession declined during twenty years of Israeli occupation when, in other Third World countries, the legal profession has often reached its peak during a period of Western colonization. Bisharat answers this question with a wide-ranging inquiry into the historical origins of the legal profession and court system in Palestine, the tenuous grounding of these institutions in Palestinian society and culture, and the structure, style, and policies of the late-twentieth-century Israeli military government in the West Bank. For general readers interested in the Palestinian-Israeli conflict, as well as specialists in such fields as legal anthropology, sociology of the professions, Third World law and development, and Middle Eastern studies, Palestinian Lawyers and Israeli Rule will be required reading. |
financial aid for lawyer fees: Sexual Violence Crimes and Gendered Power Relations Bilge Sahin, 2020-10-29 This book provides a robust gendered analysis and establishes a feminist approach to international actors’ responses to sexual violence crimes in conflict in eastern Democratic Republic of the Congo (DRC) and the impact of these global political practices on local gendered power relations. Sexual violence crimes in eastern DRC have received significant global attention and triggered calls by the international community to end this violence. This book critically assesses international assistance to the Congolese legal system to challenge sexual violence crimes, to determine to what extent it engages with the continuum of gendered violence from peacetime to conflict. It also examines whether international assistance has produced any transformations in gendered power relations in eastern DRC. The author investigates how challenging sexual violence crimes in conflict necessitates broader female empowerment and engagement with gendered power relations. This book will be of interest to scholars and postgraduate students in gender studies, development studies and international relations. It will also provide significant guidance for professionals working for development agencies and international NGOs focusing on eastern DRC. |
financial aid for lawyer fees: Legal Ethics Jonathan Herring, 2023-09-25 The most student-focused guide to legal ethics, encouraging questioning, reflection and discussion to develop a personal response to ethical issues.Who would or should defend a potential murderer in court?How do professions regulate themselves?Is 'no win-no fee' an ethical system?Where is the line in a 'suitable' client-advocate relationship?Jonathan Herring provides a clear and engaging overview of legal ethics, highlighting that the issues surrounding professional conduct are not always black and white and raising interesting questions about how lawyers act and what their role entails. Key topics, such as confidentiality, negligence, and fees are covered, with references throughout to the professional codes of conduct.Features throughout the textbook to aid student learning include:USBLHighlighting of key cases, principles, and definitionsBEUEUSBLInclusion of a variety of viewpoints through coverage of cases, popular media, and scholarly articlesBEUEUSBLUse of 'digging deeper' and 'alternative viewpoint' boxes which encourage critical reflection and better understanding of key theories and topicsBEUEUSBLExtracts from the professional handbooks and codes of conduct are explained in detail in 'Follow the code' boxesBEUE New to this edition: USBLUpdated content in light of new editions of professional guidanceBEUEUSBLNew material on use of social mediaBEUEUSBLExamination of developments in professional ethics regarding sexual misconductBEUEUSBLGreater focus and coverage on the importance of diversityBEUE Digital formats and resourcesThe 3rd edition is available for students and institutions to purchase in a variety of formats.The e-book offers a mobile experience and convenient access along with functionality tools, navigation features and links that offer extra learning support: www.oxfordtextbooks.co.uk/ebooks |
financial aid for lawyer fees: Regulating Dispute Resolution Felix Steffek, Hannes Unberath, Hazel Genn, Reinhard Greger, Carrie Menkel-Meadow, 2014-07-04 This book proposes a principled approach to the regulation of dispute resolution. It covers dispute resolution mechanisms in all their varieties, including negotiation, mediation, conciliation, expert opinion, mini-trial, ombud procedures, arbitration and court adjudication. The authors present a transnational Guide for Regulating Dispute Resolution (GRDR). The regulatory principles contained in this Guide are based on a functional taxonomy of dispute resolution mechanisms, an open normative framework and a modular structure of regulatory topics. The Guide for Regulating Dispute Resolution is formulated and commented upon in a concise manner to assist legislators, policy-makers, professional associations, practitioners and academics in thinking about which solutions best suit local and regional circumstances. The aim of this book is to contribute to the understanding and development of the legal framework governing national and international dispute resolution. Theory, empirical research and regulatory models have been taken from the wealth of experience in 12 jurisdictions: Austria, Belgium, Denmark, England and Wales, France, Germany, Italy, Japan, the Netherlands, Norway, Switzerland and the United States of America. Experts with a background in academia, practice and law-making describe and analyse the regulatory framework and social reality of dispute resolution in these countries. On this basis the authors draw conclusions about policy choices, regulatory strategies and the practice of conflict resolution. This title is included in Bloomsbury Professional's International Arbitration online service. |
financial aid for lawyer fees: Economic Opportunity Amendments of 1971: Hearings held in Washington, D.C., March 22, 24, 25, 29, 30, 31; April 1, 2, 5, and 19, 1971 United States. Congress. House. Committee on Education and Labor, 1971 |
financial aid for lawyer fees: ABA Journal , 1995-02 The ABA Journal serves the legal profession. Qualified recipients are lawyers and judges, law students, law librarians and associate members of the American Bar Association. |
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Google Finance provides real-time market quotes, international exchanges, up-to-date financial news, and analytics to help you make more informed trading and investment decisions.
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Americans spend $10 billion more on Mother’s Day than Father’s Day. What’s going on? So your company offered you a buyout. Should you take it? Here’s what to know. Hate paying so much …
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