Investor's Edge with Gary Kaltbaum - Ripping Roaring Kitty [06.07.2024]

Episode Date: June 7, 2024

https://garykaltbaum.com/

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That's Tommyjohn.com, Code Comfort. Tommy John. Comfort perfected. Investor's Edge with Gary Coltbaum. Straight talk about you and your money. Now from the BizTalk Studios, here is Gary Cultbaum. And welcome once again to Investors Edge. I'm Gary Coltbaum, your host.

Hey, thanks for being with us again. Glad you hear, ladies and gentlemen. Happy that you are listening. It is Friday. It is June 7th. It is 2024. And this is really serious talk on everything that affects you, especially when weird things are swirling around you,

especially when there can very easily be wealth destruction, if you are not smart and if you are not disciplined. I'm not sure if you know what I'm talking about. I think you do. Let me first introduce the rest of us. This is Investor's Edge. We cover everything without any agenda, any ulterior motive, any bias. We can't stand anybody in D.C.

That continues to mortgage our future, especially the dude in the White House right now that takes away the championship belt. But that's for later. And if you do not get this radio show in your city, we will post it at garyk.com or our Twitter feed, which is now X, and you should follow us. And of course, you can email us, just be nice. Our number one goal here. Let me give you an example of me. And this is not the pat on the back. It's just who I am.

In the last few weeks, we have received phone calls from people. I'll use one. An 82-year-old man called me up, had, I believe, $6 or $7 million and wanted to invest with me. And I said to him, why? Well, I see you on TV. You sound like and look like you know what you are doing. I trust you and I said, but all you do is see me on TV. You don't know anything else.

Oh, I have a good feel. Okay. So what have you been doing with your money? Well, I'm very careful. I've kept it in CDs. Good, sir. Here's what I want you to do. Keep it in your 5% CDs.

Make yourself 350,000 a year. And don't pay any attention to anything I have to say. That's what I want you to do. What? I said, no, really. and if you'd like, I can maybe find you some corporates paying six or seven, but then you're going to have to reach a little bit. So what you should do is wish me well and I'm going to wish you well, take care of yourself, and any time you want to talk, just give me a call.

That's who I am. My job is A to protect, B, not A and A1, and just do. do the right thing. And when we say protect, I am talking about everything I have been talking about with the nonsense that's going on with this GameStop stock leading to today, which under no uncertain terms, in my opinion, we have found out that this guy who's been talked about as being some sort of Robin Hood is a comedic, farce that is only going to destroy wealth again. I'm going to be careful about my verbiage.

I am not going to call him a con artist. I am not going to call him a crook. I am not going to call him a joke, a con. I'm going to leave that for you guys to make the decision. But let me explain what has happened here. And first, let me disclaimer you, once again, I have no idea what happens Monday or Tuesday. I don't know where they're able to ramp this stock up to a hundred bucks on Monday of next week.

I don't know if it's going to drop down to $10 on Monday or lower. I don't know the short run. I will not predict the short run. What we do know by history, Sometimes we want to look at history. Actually, oftentimes, every time these stocks have gone to where they came from or where they should be. The last time this guy had a hold of it, it dropped 90% GameStop. AMC, I don't know if he was involved with that.

That was a 99%er. and amazingly, even though a 90 and 99% drop, people jumped all over it, they didn't give a crap what happened before. How am I going to make riches now? So what happened recently, out of nowhere, it started ramping again. It had one big ramp day, I guess about four weeks ago. I'll even give you the date was May 3rd. about five days later it went from 18 up to $65 and on the day it went to $65

he started Yap in the day before he started putting out videos the day before which has me not accusing them but wondering was there a plan get in and then release. I don't know,

but not implausible. And all we said to you at the time, and by the way, it hit 60, almost 65 that day, closed at 48. All we said to you that day is just be smart. We're not telling you to buy, sell shorter cover, and within days was down to $18. And even when it went to 18, we said to you,

we don't know what it's going to do next. Maybe they can ramp it again, maybe they won't. And then he starts releasing other things. And we've said to you, when we're thinking to ourselves, I think this guy may be talking his own book now, which basically means he owns a bunch of stock. He knows he influences, you know, the influencer thing, and he knows the game.

And then the stock ramped a couple of days ago, early in the week hit 40 but closed at 27. Yesterday, he announces he's going to do a live stream today. That's after the stock was dropping again. And yesterday, the stock ramped and closed very quickly up to $4647. and in the aftermarket hits $65 after hours

and all I'm thinking to myself this guy's got good game he knows he has a big following a huge short position he's got some control even with the SEC announcing under investigation Nobody cared.

And then what happens? Last night, the stock was $64 in the after hours. By the way, to get there, somebody's got to buy it there. And then he does a live stream today, but before that, the bigger news. That kicked them in the grapefruits. GameStop announces a big loss. and even lower sales. But that was not the kick in the grapefruits.

They announced a secondary, 25% secondary. Dilute the shares 25%. There's 300 million shares outstanding. They're doing 75 million. And guess what the stock did? was unhappy. But that didn't matter. They opened it 37 in advance.

Who knows what this man roaring kitty's going to say? They bounce it up early back to 47. And then the live stream. And may I state for the record, this man isn't Robin Hood. In fact, I don't think he has a clue. I think he got lucky.

I think he was smart with a big short squeeze and was getting it going again. But I can tell you he sat there with his bandana and his sunglasses in a beer. And my next thought, up next, on Investor's Edge. Hi, I'm Gary Kalbaum, hosted a nationally syndicated radio show Investors Edge. We're not just handsome radio people. We manage investors money for a living,

specializing in fee-based discretionary money management. No big commissions, just a fee on the assets that's managed. We also provide a full range of personalized services, including retirement planning, fixed income, and educational needs, all to assist you in achieving your financial goals. Understanding not all individuals have the same needs, we'll carefully evaluate your personal goals to determine a proper investment strategy. If your current approach to investing is not getting you to where you would like to be, call us to make an appointment for a complementary portfolio review. The number to call is 888-4-22-55-9.

That's 8-8-5-59. That's 888-4-2-2-5-59. Investment Advisory Services offered through Call Bomb Capital Management. Guys, it's no use putting it off. for an underwear refreshes now. Tommy John underwear is designed for a perfect fit that stays put all day. Their zero-chafe thanks to four times more stretch than competing brands, and their innovative horizontal quick-draw fly is a game changer.

With over 30 million pairs sold, there are thousands of men out there more comfortable than you. Don't settle for less. Go to Tommyjohn.com today for 25% off your first order with Code Comfort. That's Tommyjohn.com, code comfort. Tommy John, comfort perfected. This message is brought to you by the Capital One Venture X card. Venture X offers the premium benefits you expect, like a $300 annual Capital One travel credit for less than you expect. Elevate your earn with unlimited double miles on every purchase, bringing you one step closer to your next dream destination.

Plus, enjoy access to over 1,000 airport lounges worldwide. The Capital One Venture X card. What's in your wallet? Terms apply. Lounge access is subject to change. See Capital One.com for details. This episode is brought to you by Spreaker. The platform responsible for a rapidly spreading condition known as podcast brain.

Symptoms include buying microphones you don't need, explaining RSS feeds to confused relatives, and saying things like, sorry, I can't talk right now, I'm editing audio. If this sounds familiar, you're probably already a podcaster. The good news is Spreaker makes the whole process simple. You record your show, upload it once, and Spreaker distributes it everywhere people listen. Apple Podcasts, Spotify, and about a dozen apps your cousin swears are the next big thing. Even better, Spreaker helps you monetize your show with ads, meaning your podcast might someday pay for, well, more microphones.

Start your show today at spreeker.com. Spreaker, because if you're going to talk to yourself for an hour, you might as well publish it. It's time to switch on the integrator units and get the brain cells working. You're listening to. Hey, this promises to be fun. Investors Edge. The last bastion of quality programming. With Gary Coltbaum.

It doesn't get better than this. By the way, I appeared on the Fox News Rundown podcast today with Lydia Hugh. Go check it out. It's on Spotify. So back to this guy, and I'm going to be careful with my words. He don't have a clue about markets. He got lucky. he got smart he got influence it's not unlike i don't know if you know this there are people that

i was out to dinner with my family at a nice restaurant in new york city and we met a husband and wife that we didn't know they were famous it turns out you know what they're famous going on instagram him calling her pookie and talking about the clothes she was wearing she talks about about the clothes he's wearing, and they get invited to all these events, and they get paid a crap load of money because I think they have millions of followers, influencers. But in the case of this guy, he influences people that are risking their money and following him. If I tell you, this was worse than a comedy act.

and if I tell you the man was hiding I am promising you should I use these words I wouldn't be surprised if he was making in his pants while he was sitting there doing this live stream because the stock was cratering

from 39 down to 27 which means he gave back oodles of money and I don't know what he's worth he was showing that he's worth this big amount of money. Who knows, I don't care. The most unimpressive, doesn't have a clue, may have lost all the influence he had

by doing a live stream to save his stock. If I tell you, this could have been the greatest stand-up comedy act in history, dressed like a bozo. I shouldn't even put down bozo. Sounded like a bozo. But of course, did disclaimers now. So what he does, he influences you. By the way, we believe in people and their own personal responsibility. But he knows he's got the you influence because he sees it on his stream.

600,000, 700,000 people were on there. I think they're in hope and praise. mode I saw one guy saying we need to band together and buy the stock and squeeze the stock because I'm losing my ass So this guy's on there and all of a sudden he's saying these words You shouldn't follow me I'm just one person and stocks go up and stocks go down and I want to take my foot and stick it through my little computer here and hit him right in the teeth and I Because leave no doubt this was on purpose to attract people to buy into his stock that he bought in tons of. And now because the company kicked him in the teeth, I'm watching him and I'm seeing a man in pain while he was smiling.

And I saw somebody who said I was hoping to pay off my loans with this. You probably should call Biden for that. So I'm just letting you know, less than meets the eye. You'd be following somebody that doesn't have a clue, did have control. Maybe he'll have control again. But you're delving into a company that just diluted their stock by 25%. By the way, this is on top of the 45 million shares they just did on a company where business is heading south, losing a ton of money. And as I have said to you time and time again, and it's turned out to be true every time it does not make me a genius.

It makes me a very good student of history. All these hunks of junk go back to where they came from ultimately. Now if GameStop invents a cure for cancer tomorrow, maybe that'll change the playing field. Maybe if they have come out with a phone that beats the hell out of the iPhone. Maybe that'll change the playing field. Maybe if they come out with a secret elixir that if you're bald and you put it on your head, your hair comes back. Maybe that changes Gamestock.

But if they do not come out with anything new, this is a sense. stock that has been delving in the $10 to $12 range. And I don't even know if it's good there. Just be careful. We are not telling you to buy sell shorter cover. We have absolutely no clue what happens Monday. But if this roaring kitty has lost the control because of a major dilution and crappy numbers from the company, Well, this stock was $10 five weeks ago.

It closed at 28 today, down from 47, and down from 65 and after hours. Ladies and gentlemen, my peeps, watch your arse. This is no Robin Hood. I'm not going to go further with what I think in order to not be sued. but this is no Robin Hood. I've been hearing some people talk about he's for the little guy. My arse.

And we are dead serious about what we are saying to you. We're dead serious about it. I was watching the streaming today and you should have seen some of the statements coming out for people on the stream. and I think there may have been a million on there. In real time, people's wallets were getting smoked, and they were in hope and prayer mode.

I saw one that said, isn't there anything you can do to this guy, dressed up like an imbecile, and smiling, knowing, that the people following them are seeing their wealth dissipate at the same time. I'd like to give this person a piece of my mind. It's not funny.

Any way, shape, or form. Hey, up next, we'll segue. This is the one only investor's edge. Guys, it's no use putting it off. The best time for an underwear refresh is now. Tommy John underwear is designed for a perfect fit that stays put all day. Their zero-chafe thanks to four times more stretched than competing brands, and their innovative horizontal quick-draw fly is a game changer.

With over 30 million pairs sold, there are thousands of men out there more comfortable than you. Don't settle for less. Go to Tommyjohn.com today for 25% off your first order with Code Comfort. That's Tommyjohn.com, code comfort. Tommy John, comfort perfected. This message is brought to you by the Capital One VentureX, Card. Venture X offers the premium benefits you expect, like a $300 annual Capital One travel credit for less than you expect. Elevate your earn with unlimited double miles on every purchase,

bringing you one step closer to your next dream destination. Plus, enjoy access to over 1,000 airport lounges worldwide. The Capital One Venture X card. What's in your wallet? Terms apply. Lounge access is subject to change. See Capital One.com for details. This episode is brought to you by Spreaker. The platform responsible for a rapidly spreading condition known as podcast brain. Symptoms include buying microphones you don't need, explaining RSS feeds to confused relatives, and saying things like, sorry, I can't talk right now, I'm editing audio. If this sounds familiar, you're probably already a podcaster. The good news is Spreaker makes the whole process simple.

You record your show, upload it once, and Sprinker distributes it everywhere people listen. Apple Podcasts, Spotify, and about a dozen apps your cousin's swears are the next big thing. Even better, Spreaker helps you monetize your show with ads, meaning your podcast might someday pay for, well, more microphones. Start your show today at spreeker.com. Spreaker, because if you're going to talk to yourself for an hour, you might as well publish it. You're listening to. America is talking. Investors Edge. He's got to be pleased with that. The crowd is just on his feet here. He's a Cinderella boy. With Gary Coltbaum. It comes highly recommended. You're going to feel better if you talk to him.

By the way, do you hear my tone? I'm pissed. I'm pissed. Hopefully you're listening. Again, we're not here to tell you what to do. We're here to tell you what we think. And I think you get our gist. Things sticking out today. And this one's of import.

I don't know if you know this, but, uh, China's buying the living daylights out of gold, month in and month out, tons. So we walk into today and in the news was China in May for the first time in forever, didn't buy any gold and just letting you know gold drop 3.57% the GLD and just smashed through the 50-day moving average. Next support is about a buck underneath here. but potentially we've got a top in place for now. Notice the two words for now.

Just letting you know, it also did not help that the dollar had a strong day today because they came out with a jobs number today. That was at least what the government says is better than expected. And the 10-year yield, which had been plunging for a few days, really popped up today. a big one and a half sticks to 4.430, what that means is from 4.280 to 4.430. And the dollar will strengthen as yield strengthened. And let me state for the record on the job market. For months, whenever I talk about jobs, I say the same thing. It's in shape. It better stay in shape because of how much debt's in the system.

I'm letting you know right here right now. I'm seeing some things in the job market I don't like. First off, 8.4 million people now have second jobs. These are people that don't think they are making ends meet. That's why you have a second job. That goes hand in hand with almost 300,000 part-time jobs in this report. The other issue, which is nauseating, because why do we need them, another 43,000 government jobs?

Where to hell those people going? What are they doing for us? Now, if they say police officers, I'm good. If they say firefighters, I'm good. If they say teachers, I'm good. Good teachers, good firefighters, good police officers, of course. but are they just building up their phalanx of nothingness? We'll see.

Anyway, I'm just letting you know those couple of things that I mentioned, very often late stage job market issues. Now, they came out with a headline number. I don't believe at any time they send it because it's revised down every month. then the government jobs and of course the government spending that's inducing a bunch of things we'll see I hope that the job market stays in shape I really do that's what I want and I hope good jobs stay in shape if we lose the job market with the debt in the system from the the consumer all the way up to this abominable government with unimaginable amounts of debt,

I don't think it would take much. And just remember, this government is beyond the beyond of spending this year going into the election because they're scared crappless of losing the election. and every dime spent, even on the debt side in government, goes towards a little GDP. Hey, look at us. And if you don't believe me, just Google what the deficit and debt and spending numbers are from the man who's telling us, I've lowered their debt and the deficits.

Yeah, sure. Right. Otherwise, not a lot of big movement in the market today. Dow down 87, S&P down 6, NASDAQ 39, NASDAQ 120, the transports 48, but, ew, advance declines, 10 to 29 on the New York and 11 to 29 on the NASDAQ. I've yet to do my scans, so I can't tell you yet, but those aren't good. We'll see. NVIDIA, often ask today, they're doing a 10-for-1 split. Just letting you know if you own the stock, when you look into your account on Monday, if you own 100 shares at $1,209, you are going to walk in.

And if nothing changes over the week, well, you will have a thousand shares at $120.90 if nothing changes over the weekend. And there'll be 25 billion shares outstanding. Just as shares outstanding. that's bigger than a lot of S&P companies which is just utterly amazing and I must tell you

I was thrilled to see some people they say sell your NVIDIA sell overvalued overdone I'm thinking to myself stock's done nothing wrong so far maybe they'll be ultimately right

but I love I love when I have a strong stock and they're just out there just so which is cool anyway we'll see what happens i worry about big stock splits 10 for one definitely i must tell you i think apple did a seven and a four didn't hurt them i think amazon did a 10 hasn't that's near highs didn't google do one also we'll keep you informed another rough day I told you about gold copper other commodities

bearish phase now kids bearish phase for the commodities that we were telling you were the strongest same for oils we'll see how it goes the crypto boy bitcoin was on the verge of breaking out of range in the last few days and looks like it's going to tuck its head in like a

frightened turtle now so maybe that's not going to happen for right now. We'll let you know. But otherwise, somewhat of a quiet day in the market, not much more to tell you, even though I'll think of something. But again, the big story, please be careful. Be careful. And I don't know if there's going to be any of it,

but if you're able to spend a few minutes watching this guy on his video, I don't know if it will be out there and you own some game stop because of them I think the only words that would come out of your mouth were what the hell am I doing it was that much of a farce unfortunately I was hoping to see some smart guy

it was a farce let's see what he'll try to come up with next I gather he's going to try he's got too much writing on it if he asked me in the news well a little bit more of what we've been telling you for a while as far as retail as far as governments coddling the criminals and the like a dollar general because of theft ditching self-checkouts now it's not going to, so they'll get some more people. Actually, they'll be good. There's some more employees. But this is an outcome of what the heck is going on out there. I believe I've seen the same story

in maybe Target. I think, I'm pretty sure I saw it in Walmart. And every day, ladies and gentlemen, it behooves you. Just go read up what's going on in cities that, refuse to do anything about criminals. Up next. Got some more news. Some weird stuff today. I'm Gary. This is the one only Investor's Edge. It's no use putting it off. The best time for an underwear refresh is now. Tommy John underwear is designed for a perfect fit that stays put all day. Their zero-chafe thanks to four times more stretched than competing brands. And their innovative horizontal quick-draw fly is a game changer. With over 30 million pairs sold, there are thousands of men out there more comfortable than you.

Don't settle for less. Go to Tommyjohn.com today for 25% off your first order with Code Comfort. That's Tommyjohn.com code comfort. Tommy John. Comfort perfected. This message is brought to you by the Capital One Venture X card. Venture X offers the premium benefits you expect, like a $300 annual Capital One travel credit for less than you expect.

Elevate your earn with unlimited double miles on every purchase, bringing you one step closer to your neck. dream destination. Plus, enjoy access to over 1,000 airport lounges worldwide. The Capital One Venture X card. What's in your wallet? Terms apply, lounge access is subject to change. See Capital1.com for details. This episode is brought to you by Spreaker. The platform responsible for a rapidly spreading condition known as podcast brain. Symptoms include buying microphones you don't need, explaining RSS feeds to confused relatives, and saying things like, sorry, I can't talk right now, I'm editing audio.

If this sounds familiar, you're probably already a podcaster. The good news is, Spreaker makes the whole process simple. You record your show, upload it once, and Spreaker distributes it everywhere people listen. Apple Podcasts, Spotify, and about a dozen apps your cousin swears are the next big thing. Even better, Sprinker helps you monetize your show with ads, meaning your podcast might someday pay for, well, more microphones. Start your show today at spreeker.com. Sprinker, because if you're going to talk to yourself for an hour, you might as well publish it. You're listening to.

What are we waiting for? Well, what are you waiting for? One, two, ready, go. Action! In The Wester's Edge. With Gary Culpa. So, oh, by the way, I will be on Fox News tomorrow in the 10 a.m. hour with Neil Cavuto. Check that out.

we believe when we talk about local, state, and federal government, you know, we get asked every now and then, what does that have to do with the market? Well, we believe everything's kind of sort of intertwined, even if it doesn't really a point. Let me read to you. And for all the peeps in Portland, God bless you all, because I don't know who the hell is running your state and your cities.

Well, you know what's going on in Portland. I think finally he got rid of that DA. Let me read this to you. An Oregon man raged at a police officer during a disagreement over an Oregon state law. This is a true state law in Oregon. It permits public nudity in front of children. Thomas Collins, a father from Bend, Oregon, filmed the heated confrontation after a naked stranger, walked onto his property in front of his two-year-old son, and exposed himself.

The man was not arrested. guess why? Being bare naked in front of a kid is not a crime even if it's on somebody else's property in Oregon. If it's not of a sexual nature. Now last I look, Oregon is one of just 50 states in this country. And they're trying to tell us if a man walked up in front of your child, nude, that's not of sexual nature. What? Now, Gary, what the hell does that have to do with stock markets? What does that have to do with the economy? Well, these are the people that are running one of the 50 states,

and many of these people that are running states end up in D.C., and that's how we end up with cockamamie federal laws. Oregon, is there anything you can do about? this? Now different cities and counties have different regulations, but they're actually giving out a definition of what it means to expose. Thank you, the people running Oregon for telling us that meaning. Wow. In the news, well, we haven't done a lot lately on Israel and racism and anti-Semitism. If you have a chance,

there is somebody who worked for the Hill. You ever hear of The Hill? Well, one of the hostages family was trying to explain about rape and this pundit from the Hill named Joy Gray

rolled her eyes in disbelief that maybe these rapes aren't happening and well she was fired finally and the amazing part a bunch of videos

are coming out of the same woman doing the same thing a bunch of times and I'm thinking to myself when does it get to the point where journalism are going to fire people

that are racist you know they'll fire anybody that's racist towards blacks and Hispanics when are they going to fire the people towards Jews. It should be simple. As we tell you here, we're all equal. We should be treated

equally both ways. Anyway, you go look it up. It's disgusting. Just absolutely disgusting and nauseating and all that. Amazing to watch. In the news, Disney, good to see. In case you don't know, we like Governor DeSantis here, we disagreed with a lot of the culture stuff. Not everything. We thought too far with Disney, too far with some of the other things, and he would disagree with us,

and we say that respectfully because we think on the economic front he's done a very good job. And we think with the colleges and not letting all that crap happen did an excellent job and other things. You know, it's good to see. You know, they had the big fight with Disney.

Well, they came together in whatever way, shape, or form, and Disney is now going to invest. $17 billion in Florida, central Florida, and expand Disney over the next, I don't know how many years. Good to see. And I don't know if you know here,

Universal's opening up a new theme park also, which means heading over towards that area. It's going to be a lot more traffic, but I guess that's a good thing. That's a good thing for the economy. and I don't know if you know this, but 75 million people visit Central Florida every year, adding 75 billion in economic impact. And I think 500,000 plus jobs, if not more, these days.

That's how important it is. And that's why I was always worried about the Santas. What are you doing with Disney? If you want to fight with them, do it quietly behind closed doors. Anyway, the good news. news is, we care about outcome, and that's a good outcome to see. That be all in the news, ladies and gentlemen, but the big story is what this show is about. Protect your freaking capital, especially when things are going nuts. And unfortunately, throughout the years, as of recent,

because of ridiculous easy money policy, printing to $9 trillion, we ended up with these meme stocks, and the SPACs and ridiculously priced IPOs, and a lot of wealth was destroyed if you weren't careful. We'll keep being the voice, but it's your money you decide. You'll have a great weekend drive carefully when you get home, do like we do quite simple. Make sure you hug your family. Make sure you hug your children.

They will feel better. You will feel better. I promise. Peace out. Serenity now. Fox News 10 a.m. hour tomorrow. The whole thing, 10 a.m. to noon. and we'll be back on Monday.

Thanks all. Good night. This has been Investor's Edge with Gary Cult Bomb on BizTalk. To listen to past episodes or to get in contact with Gary, go to GaryK.com. That's GaryK.com.

Guys, it's no use putting it off. The best time for an underwear refresh is now. Tommy John underwear is designed for a perfect fit that stays put all day. There's zero-chafe thanks to four times more stretch than competing brands and their innovative horizontal quick draw fly is a game changer. With over 30 million pairs sold, there are thousands of men out there more comfortable than you.

Don't settle for less. Go to Tommyjohn.com today for 25% off your first order with Code Comfort. That's Tommyjohn.com code comfort. Tommy John. Comfort perfected. This message is brought to you by the Capital One Venture X card. Venture X offers the premium benefits you expect, like a $300 annual Capital One travel credit. for less than you expect. Elevate your earn with unlimited double miles on every purchase,

bringing you one step closer to your next dream destination. Plus, enjoy access to over 1,000 airport lounges worldwide. The Capital One Venture X card. What's in your wallet? Terms apply. Lounge access is subject to change. See Capital One.com for details.