Curious About Arbonne?

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Is ARBONNE for you? What if you: 

had an extra $1,000 or more per month?

could improve your health?

were your own boss?

could help others change their lives?

If you keep doing what you’re doing, where will you be in 5 years?

The Arbonne Advantage 

30+ years of experience and tradition

Cutting edge research & development, proprietary formulas, Swiss heritage

1% brand awareness = ground floor opportunity

Early stages of global expansion to Canada, UK, Australia

The Arbonne Product Advantage 

Botanically based, no mineral oil

Vegan certified

pH correct & hypo-allergenic

No animal products or by-products

No artificial sugars

No animal testing

Gluten-free nutrition line

No artificial dyes or fragrances

Arbonne has a 45 day money-back guarantee

PURE - SAFE - BENEFICIAL   

Nutrition Weight management Fragrance

  

Anti-aging skin care Detox spa Cosmetics

  

Hormone balancing Aromatherapy Personal care


Why Network Marketing?

Who endorses NWM? Warren Buffett, Robert Kiyosaki, Paul Zane Pilzer

Why Arbonne? 

Consumable products

Timing & trends

Marketplace demand

Ability to leverage your time

Arbonne satisfies all four key factors for success!

The Right Compensation TITLE

MONTHLY RANGE

District Manager

$250-1,000

Area Manager (willable)

$1,000-4,000

Regional Vice President

$4,000-8,000

National Vice President

Avg. $21,500

Mercedes-Benz

You Decide!

Plus there’s more: Travel Jewelry

Recognition


The Arbonne Opportunity 1 | Products


It’s Your Time to Get More Out of Life. The Arbonne Advantage is everywhere. We are at a point in time when our products have never been better, and the opportunity to sell them can result in a better life for anyone who chooses to get more out of life! Every day, you’ll reap the rewards of reaching out to others — helping them to feel healthy and look beautiful, and to be inspired to make Arbonne part of their lives as well. It’s time to go for it … and get more out of life. It’s your time, so join us!

Kay Napier CEO

ON THE COVER: Cecilia Stoll Arbonne Independent Consultant Executive National Vice President

2 | Products


WHO ARE WE?

We are Trailblazers, Star Reachers, Bridge Builders. We are Life Changers, . We are Leaders,

the Original

Teammates. Soulmates. We are Doctors, Lawyers, Swim Coaches, Professors and Hockey Players. Locked arm in arm. Connected at the

. We are

Mothers, Daughters, Fathers and Sons. We are

Friends. We are Arbonne. We are Earth Lovers

Green And . And big on Botanicals. We are Pure, Safe and Beneficial. and Protectors. We are

Always have been. Always will be. We are Worldwide. World Class. We’re for for

Simple, Elegant and Vibrant. We’re

Freedom. From radicals, glutens, the 9 to 5. We’re for Happy and Natural. Champions of Wellness. We’re

for generosity. Giving big and giving back. We’re Forwardthinking. Forward-looking. Future-friendly. We believe in and Optimism. And Awesome. We are Warriors who work hard.

Dreamers who

dream big. We are owners of our own lives. We are Positive. Unstoppable. We are pure. Through and through. Inside and out. Pure Energy. Pure products. Pure

he rts.


The Arbonne Advantage Arbonne is a highly regarded, premium brand with a Swiss heritage. The products are healthy, botanically based and inspired by nature. The Arbonne experience starts with changing the appearance of your

The Arbonne Advantage has several parts. Our products Our business model Our people Our opportunity Take a deep breath and look at your

skin, then it’s about changing your

future. The opportunity in front of you

life. Arbonne provides a generous compensation plan, an exceptionally nurturing support system, and caring committed leadership.

may turn out to provide you with the life you’ve always wanted. Are you ready to learn more about Arbonne?

The Arbonne Product Advantage Since 1975, Arbonne has come to define quality products and an unwavering commitment to both the environment and our customers. Our Independent Consultants have a special and important role. They exclusively distribute highly sought-after Arbonne products. We know that when it comes to buying skin care, cosmetics and nutrition products, the recommendations and advice from people you trust are important. All Arbonne products are consumable. Consumable products are used every day, purchased regularly, and as a result generate more and more income. What this translates to for our Independent Consultants is loyal

Arbonne products are sold exclusively through our network of Independent Consultants.

customers and repeat purchases.

4 | Products


pure, safe, beneficial

Product Promise

Arbonne products are dermatologist-

To deliver pure, safe and beneficial products in line with our botanical tradition.

™

tested and botanically based. Arbonne offers premium-quality beauty, health and wellness products with targeted results. We employ consumer and clinical testing

To learn more about the Arbonne

to reinforce our research and ensure our

products or to read our Ingredient

proprietary formulas deliver unparal-

Policy, go to arbonne.com.

leled performance.

5 | Products


6 | Business Model


What is Network Marketing? Simply put, network marketing is a system that channels goods or services from the manufacturer to the consumer through a “network” of independent distributors or Independent Consultants. It’s an incredibly effective system that cuts the cost paid to the “middle man,” offering you a higher earning potential. Imagine the freedom to live the life you dream of just by introducing people to products you believe in. That’s the beauty of our business model. So many of our Independent Consultants have done just that — and have transformed their careers, their lives and themselves.

Arbonne is a Direct Selling Association (DSA) member company and follows the DSA Code of Ethics for direct sales companies. For more information, visit dsa.org or directselling411.com.


Why does Arbonne sell our products via network marketing, and not in stores?

If you have the desire to share

People. Our network of Arbonne

award-winning and effective training

Independent Consultants is as

opportunities, marketing materials

important to our success as our

and programs, we keep you informed

product formulations.

and poised for success!

Arbonne, we are behind you 100%. For more than 30 years, our Independent Consultants have enjoyed the kind of support that only a company such as Arbonne can provide. With

8 | People


The Adv ntage is You Knowing and loving our products are the only prerequisites for success as an Arbonne Independent Consultant. Our Independent Consultants are the face of Arbonne. They are living proof of the products’ success, a trusted resource. So when your Preferred Clients and Clients look to you for service, all you have to do is look to us. The Arbonne Marketing, Distribution and Customer Service Teams give you the tools, training and programs to get you started and keep you going strong as your business grows … and grows … and grows! Between our effective marketing materials and free online training programs, we help keep your focus on your Preferred Clients, Clients and your team. For more information about our tools, trainings and programs, go to arbonne.com.


Infinite Possibilities How often are you offered the opportunity to make money, make a difference and have fun … all on your terms? Arbonne Independent Consultants believe in the Arbonne products and vision, and enjoy the flexibility of a business tailored around their lives — not the other way around. Arbonne Independent Consultants achieve success in 3 ways: 1. Through retail profit on sales of products purchased at discounted prices from Arbonne. 2. Through Preferred Client commission paid on products purchased by an Arbonne Independent Consultant’s Preferred Clients. 3. Through commissions, overrides and bonuses paid on an Arbonne Independent Consultant’s product sales volume and the sales volume of other Arbonne Independent Consultants on their team.

Full-time or part-time income? You decide. 10 | Opportunity


SuccessLine Overrides*

Central Nation Central Region Central Area Central District

Independent Consultant

District Manager

Area Manager

Regional Vice President

National Vice President

Success ‌ On Your Terms We know you are interested in the bottom line: How much money does an Arbonne Independent Consultant make? That figure depends on you. With traditional jobs, your boss determines when you get a raise or get promoted. But with Arbonne, your time and efforts determine your success. You are your own boss. You have direct control over your success! And, when you encourage others to realize their own dreams, your potential for income grows even more. As you leverage your time by helping to guide, mentor and train your team, you’ll be compensated as their Arbonne business grows and their sales volume increases. The more successful your team members are, the more you are rewarded. *Please refer to the Arbonne SuccessPlan and Policies & Procedures for more information.

11 | Opportunity


What could you do with an extra $500* a month? Just to give you an example, look at how much money you can earn as an Arbonne Independent Consultant if you:

sell

$150 x 5 Clients $25 x 4 Cash Bonus from new Preferred Clients

who purchase an Ultimate Value Pack (UVP)**

sponsor Sponsor three new Independent Consultants to whom you sell a Right Start Value Pack (RSVP)*** $262.50 in retail sales to Clients $100.00 in cash bonus from new PC UVP Sales $177.30 in new SuccessLine Team commissions and overrides

$539.80*

a month ... to start.

$6,477.60*

a year with this same consistent monthly activity!

earn

*These figures represent examples of the Arbonne earning opportunity. There are no guarantees regarding income and the success of each Arbonne Independent Consultant depends on his or her own skill and effort. For full details, please refer to the Arbonne SuccessPlan and the summary of Independent Consultant Compensation published at arbonne.com > The Company > Corporate Information > Independent Consultant Compensation Summary. **Ultimate Value Pack $25 Cash Bonus: Every Independent Consultant with a newly registered PC who purchases an Ultimate Value Pack in his/her Start Month will earn a $25 cash bonus. (Cash bonus does not apply to UVPs purchased upon renewal). ***Right Start Value Pack: Select an RE9 Advanced速 Set and other Arbonne products (excluding products that do not carry RV) that amount up to $700 SRP for $350. Personally sign up a new Independent Consultant who purchases an RSVP and earn a $50 bonus. Upline District Manager will simultaneously earn a $25 bonus. (If you are the upline District Manager, then you will earn $75.) RSVP purchases carry 350 RV.

12 | Compensation


What’s in it for me? We’ve already told you about some of the reasons to join Arbonne as an Independent Consultant, but if you’re looking for the bottom line, here it is … ■■

35% profit on your personal retail sales

■■

15% Preferred Client Commission on all sales to your Preferred Clients

■■

Your income increases as you promote yourself through the Arbonne SuccessPlan

■■

■■

■■

No need to carry inventory — Arbonne ships directly to your Preferred Clients and Clients Convenient online shopping and credit card processing for your and your Client orders Unlimited territories — Independent Consultants may sponsor and sell in any country Arbonne operates

■■

Jewelry, trips, cash bonuses and more as recognition for your success

■■

Management programs, including life insurance

■■

Arbonne Vice President participation in the Mercedes-Benz Cash Bonus Program

13 | Compensation


If you’re looking for an opportunity to start a business you can do from the comforts of your own home, working with products you love, join Arbonne. This is a 30-year-old, well- established company ... Arbonne will change your life because you are helping others feel better about themselves, while helping them become successful. — Maxine King, Arbonne Independent Consultant Executive National Vice President


Now’s the Time! Get started and experience the Arbonne Advantage today as an Arbonne Independent Consultant: ■■

Start your own business for just $79

■■

Share Arbonne products with those you know and earn profits on your retail sales

■■

Share the Arbonne Advantage with others and grow your business

■■

Enjoy a 35% discount on your own purchases

■■

Build a solid customer base and a strong, stable foundation for your business with consistent Arbonne Special Delivery™ orders

■■

Participate in incentives and management programs

■■

Receive incredible rewards and prizes for your accomplishments

15 | Get Started


Arbonne is the most fun you’ll have earning a living! Change your life and the lives of others by sharing extraordinary products and an exciting business opportunity with them. The natural act of sharing what you love builds your Arbonne business.

To learn more about the Arbonne opportunity, and to start experiencing the Arbonne Advantage for yourself, contact the Independent Consultant who shared this brochure with you. 1.800.ARBONNE |  arbonne.com 9400 Jeronimo Road, Irvine, CA 92618

2538R10 01 ©2012 Arbonne International, LLC All Rights Reserved.

THERE ARE NO GUARANTEES REGARDING INCOME, AND THE SUCCESS OR FAILURE OF EACH ARBONNE INDEPENDENT CONSULTANT, LIKE ANY OTHER BUSINESS, DEPENDS ON EACH ARBONNE INDEPENDENT CONSULTANT’S OWN SKILLS AND PERSONAL EFFORT. YOU SHOULD NOT RELY ON THE RESULTS OF OTHER ARBONNE INDEPENDENT CONSULTANTS AS AN INDICATION OF WHAT YOU SHOULD EXPECT TO EARN. ARBONNE PUBLISHES A SUMMARY OF AVERAGE QUARTERLY COMPENSATION THAT IS PAID TO ARBONNE INDEPENDENT CONSULTANTS. The average override and bonus paid to all Active Arbonne Independent Consultants in the United States and its territories was $126 per quarter and $503 on an annualized basis. During the four quarters in 2011, an average of 21,642 Active Arbonne Independent Consultants (9.7% of all Active Arbonne Independent Consultants) in the United States and its territories received an override or bonus check from Arbonne. The average MONTHLY override and bonus paid to Active Arbonne Independent Consultants in the United States and its territories that qualified for an override and bonus check was $430, or $5,162 on an annualized basis. THIS INFORMATION IS UPDATED ANNUALLY AND CAN BE VIEWED ONLINE AT ARBONNE.COM > The Company > Corporate Information > Independent Consultant Compensation Summary.


How We Make Money Consultant

15%-35% Commissions

District Manager 35% Consultant Discount

65% Override Volume

$240—$1500+ per month (8%) $200 Cash Bonus

8% Commission 6% Commission

Area Manager

$1200 to $4000+ per month (8%+6%) $400 Cash Bonus + $200 Cash Bonus

Regional Vice President

3% Commission 1% Commission

$5000 - $10,000 per month (8%+6% +3%) Earn a Mercedes $800 Bonus! $600 Cash Bonus +$400 Cash Bonus + $200 Cash Bonus

National Vice President

$21,500+ per month (8%+6%+3%+1%) Earn a Mercedes $1000 Bonus $600 Cash Bonus +$400 Cash Bonus + $200 Cash Bonus

+35% Commission on Retail Volume (RV) Orders +15% -35%Commission on Retail Volume (RV) Orders placed by personally sponsored Preferred Clients

ARBONNE

ÂŽ


MARKETPLACE COMPARISON

See how Arbonne’s flagship skin care system, RE9 Advanced, compares to other skin care products in the marketplace. The RE9 Advanced set consists of six products for the face. BONUS: When you sign up as a Preferred Client for $29 and place a $150 order in your start month, you receive a FREE single product of your choice.

Arbonne RE9 Advanced Set Smoothing Facial Cleanser $ 40.00 Regenerating Toner $ 35.00 Intensive Renewal Serum $ 58.00 Corrective Eye Creme $ 55.00 Restorative Day Creme $ 50.00 Night Repair Creme $ 85.00 6-month supply Retail price: $323.00 Preferred Client price: $258.40 Comparable Products (Last 2-3 months on average) Lancome Absolue Premium BX Advanced Creamy Foam Cleanser Secret de Vie Precious Reviving Toner Genifique Youth Activating Concentrate (Serum) Genifique Youth Activating Eye Concentrate Absolue Premium BX (day cream) Absolue Night Precious Cells 2-Month Supply 6-Month Supply Chanel Rinse off Mousse Foaming Cleanser Soothing Toner Ultra Corrective Intensive Lifting Concentrate Ultra Corrective Eye Creme Ultra Corrective Day Fluid Ultra Corrective Night Cream 2-Month Supply 6-Month Supply

$ 52.00 $ 60.00 $ 80.00 $ 60.00 $150.00 $165.00 $567.00 $1,701.00

$ 45.00 $ 45.00 $165.00 $ 85.00 $150.00 $165.00 $655.00 $1,965.00

Clinique Rinse Off Foaming Cleanser Clarifying Lotion (toner) Turnaround Concentrate Radiance Renewer (serum) Anti Gravity Firming Lift Eye Cream Youth Surge Decelerating Moisturizer (day) Youth Surge Decelerating Intensive Night Moisturizer 2-Month Supply 6-Month Supply N.V. Perricone M.D. Vitamin C Ester Citrus Facial Wash Firming Facial Toner Deep Wrinkle Serum Neuropeptide Eye Contour Therapy Face Finishing Moisturizer (day) Concentrated Restorative Treatment (night) 2-Month Supply 6-Month Supply

$ 19.50 $ 12.50 $ 42.50 $ 34.50 $ 49.50 $ 49.50 $208.00 $624.00

$ 39.00 $ 39.00 $185.00 $195.00 $ 69.00 $105.00 $632.00 $1,896.00

Rodan + Fields Anti-age Regimen (wash, toner, day and night creams) Enhancements Micro-dermabrasion Paste (compare serum) Anti-age Multifunction Eye Cream 2-Month Supply 6-Month Supply

$193.00 $ 77.00 $ 59.00 $329.00 $987.00

Estee Lauder ReNutriv Hydrating Creme Cleanser ReNutriv Intense Softening Lotion (toner) Re Intense Lifting Serum ReNutriv Ultimate Lifting Eye Creme ReNutriv Face Creme and Night Serum (2 products) 2-Month Supply 6-Month Supply

$ 45.00 $ 45.00 $185.00 $ 90.00 $950.00 $1,315.00 $3,945.00

La Prairie Foam Cleanser Cellular Refining Lotion (toner) Anti Aging Longevity Serum AntiAging Eye Cream Anti Aging Day Cream Anti Aging Night Cream 2-Month Supply 6-Month Supply

$ 75.00 $ 95.00 $240.00 $165.00 $215.00 $215.00 $1,005.00 $3,015.00

Clarins Gentle Foaming Cleanser Super Restorative Wakeup Lotion (toner) SuperRestorative Serum SuperRestorative Total Eye SuperRestorative Day Cream SuperRestorative Night Cream 2-Month Supply 6-Month Supply

$ 21.00 $ 40.00 $132.00 $ 82.00 $114.00 $122.00 $511.00 $1,533.00

Obagi Obagi-C Rx C-Cleansing Gel Obagi-C RX C-Balancing Toner Professional-C Serum Elastiderm Eye Cream Obagi-C RX C-Exfoliating Day Lotion Obagi-C RX C-Therapy Night Cream 2-Month Supply 6-Month Supply

$ 37.00 $ 36.00 $ 99.00 $ 99.00 $ 61.00 $ 87.00 $419.00 $1,257.00

These materials have been produced by an Arbonne Independent Consultant and are not official materials prepared or provided by Arbonne International, LLC. Arbonne publishes an annually updated summary of quarterly commissions paid to Arbonne Independent Consultants at www.arbonne.com/company.iccs.asp.


Arbonne and the new Professional Boom of Network Marketing

Global Direct Retail Sales

Strong Foundations

1998-2012 In Billions of U.S. Dollars $180

$166.9 $158.3

$160 $140

$132.2

$120 $99.4 $100 $81.9

$85.4

$82.3

1998

1999

2000

$78.7

$85.8

$102.6

$109.2

$114.0 $114.0

$117.5

$89.0

$80 $60 $40 $20

Š 100% Institute.

REVENUES

$0 2001

2002

2003

2004

2005

2006

2007

2008

New Professional Age Professional Age

Pioneer Age

BOOM Time

x TIME Network Marketing Lifecycle

2009

2010

2011

2012


Arbonne in the Professional Age


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A TALE OF TWO INDUSTRIES TWO MAJOR FORCES HAVE CONVERGED TO CREATE ONE OF THE GREATEST ENTREPRENEURIAL OPPORTUNITIES IN THE HISTORY OF OUR NATION. BY PAUL ZANE PILZER


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A

s we enter the second half of this decade, we are seeing a convergence of economic forces leading to an enormous opportunity for those engaged in home-based business. Moreover, this opportunity exists not only for mere thousands but for literally millions of individual entrepreneurs. This economic opportunity is represented by two emerging industries: wellness and network marketing. The wellness industry, which only 15 years ago barely even existed, is on track to become a trillion-dollar industry just five years from now. Network marketing, which is a prime beneficiary of the robust home-based business boom, will be a major contributing force in the creation of 10 million new millionaires over the next 10 years. Either one of these two emerging industries on its own represents an extraordinary opportunity for entrepreneurs to create new wealth in the years ahead. Taken together, these two major forces have converged to create one of the greatest entrepreneurial opportunities in the history of our nation. The early pioneers of both wellness and network marketing were motivated by the sense that it was possible to create a better life than the conventional routes offered—better personal health and better economic health, respectively. Now the “alternatives” of yesterday have become the economic powerhouses of today and tomorrow. Let’s explore how this happened, and what it means for your economic future, first by taking a look at the genesis of the wellness industry.

P

THIS ARTICLE IS ADAPTED IN PART FROM PAUL ZANE PILZER’S NEW BOOK, THE NEXT MILLIONAIRES, WHICH FOCUSES ON THE CENTRAL ROLE OF DIRECT SELLING IN THE YEARS AHEAD. BY PAUL ZANE PILZER

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The Overweight Epidemic In the past, we have always associated poverty with being terribly thin, mostly due to starvation. When I was young I wanted to grow up to be a “rich fat man.” Today, the tables have turned; “poor” and “fat” have become synonymous, and “rich fat man” has become an oxymoron! Centuries ago, the only corpulent people were royalty and wealthy landowners. Today, the lower the income, the more we see obesity, and the higher the income, the more we see men and women who are fit and trim, defying their age. Since 1980, we have more than doubled the percentage of overweight and obese people in the United States. In 1980, 15 percent of the population was obese; by the year 2000, that number had jumped to 27 percent—that’s 77 million clinically obese people! Today, 61 percent of the U.S. population is overweight and headed towards obesity—which has increased 10 percent to almost 30 percent of the U.S. population. As a result, 18 million Americans have diabetes and another 41 million over age 40 have prediabetes. Most people with prediabetes develop type 2 diabetes in 10 years. Sixty-five percent of people with diabetes die from heart disease or stroke, and the medical costs alone to treat diabetes now exceeds $100 billion a year. Moreover, overweight and obesity are also symptoms of poor nutrition. Typically someone who is obese is also vitamin-deficient and suffers from fatigue and arthritis or other ailments that all stem from poor nutrition. Our food industry, which represents about one trillion dollars annually, exacerbates the problem by catering to the “lowest common denominator” of poor nutrition. What about our health care? The truth is, what we call “health care” is not really the health business but the sickness business. Our medical industry today has very little to do with health. The $2 trillion we spend on medical care, which represents one-sixth of the U.S. economy, is concerned almost exclusively with treating the symptoms of illness. It has very little to do with preventing illnesses or with making people feel stronger or healthier. These two trillion-dollar industries—food and “health care”—feed one another in a fairly


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insidious way, working together to support that horrifying 61 percent overweight number.

They are a growing sector of our economy who are eating and living healthier than anyone ever before in history. Today, for example, this sector spends over $70 billion per year on vitamins and food supplements. From vitamins and antioxidants to weight-loss products to health clubs and fitness coaches, all these expenditures belong to what I have called the “wellness” industry. I define “wellness” as money you spend to make yourself feel healthier, even when you’re not “sick” by any standard medical definition. Who are these people? Mostly baby boomers: prosperous people from the ages of 40 to 60. Baby boomers are the first generation in history that refuses to blindly accept the aging process. They are also a powerful economic force; they represent only 28 percent of our population—yet this group represents 50 percent of our economy.

The Wellness Revolution Looking at the numbers, one might think that soon everyone in the United States will be overweight or obese—but this is not the case. As grisly as this situation is, it has also given rise to an entirely new and very positive economic sector. The 39 percent of the U.S. population who are not overweight include some 10 to 15 million Americans who are actually growing stronger, ne reason wellness and network marketing are such healthier and more fit as natural sister industries is that wellness is rich in the they age. These people represent a new kinds of new technology that are best learned person to and growing economic sector. person. In fact, in many cases, there is no other way for They are primarily wealthy people to learn about these new options. people who, as their financial If you go to a conventional weight-loss clinic, they situation improves, start lookare focused on marketing their processed food products ing for ways they can be to you—they don’t give you lessons in wellness. The healthier—and they’re doing information just isn’t out there; almost all of the research it outside the medical estabin the medical business is on sickness. Where does the lishment. They are going to consumer turn? fitness clubs, watching what The only way to learn about wellness is through they eat, taking the proper someone close to you who has had a wellness experience. amounts of vitamins and minYou see your college roommate and go, “My God, John, you erals, and investigating supplements and other products look great! You look so healthy—what did you do?” You that support their wellness.

Network Marketing: the Ideal Wellness Medium

O

Until recently, marketing to baby boomers has been all about how to make them feel younger, how to help them remember what it was like to be young. Now it’s gone a step further. Today, boomers are starting to buy things that actually make them younger! And this industry has only just gotten started: Most people don’t even know such products exist, and as more boomers learn about wellness, the more the sector will expand. In 2000, when I first began to study this trend, I was stunned to discover that wellness in America was already a $200 billion industry. Today, only a handful of years later, it has already doubled to become a $400 billion business! By the year 2010, just five years from now, it will have become the next trillion-dollar industry. Network Marketing: Economic Wellness The real scope and impact of the wellness revolution goes beyond sheer numbers. It is more than a shift in our state of health and well-being: It is a quantum shift in our fundamental expec-

bump into a wellness experience and start to find out that there is a whole wellness industry out there, with all sorts of new products and services. Correct information about diet, nutrition, vitamins, minerals: and supplements is almost all contrary to what we’ve heard from our medical community; for many, it runs counter to how we were brought up. There’s so much inaccurate information out there, people have become conditioned to it. When they first hear new, good information, naturally they’re going to be skeptical. The only way they will actually change their paradigm or start to learn new information is person to person—because they’re actively engaged in a conversation. This doesn’t happen overnight. It may take three, four, five, or six conversations with different people before you actually change your mind. That’s why wellness, which is so clearly paradigm-changing information for so many people, really works best in a one-to-one interactive environment—like network marketing.

Volume 1 Issue 5 SUCCESS FROM HOME

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tations. We don’t just expect to live more years— we expect to live better years. This same shift in expectations is a strong contributing factor in network marketing as well. In the new economy, the sheer quantity of compensation is no longer enough. People today also demand a better quality of compensation. We don’t simply want money, we want lifestyle. Today’s workers understand that it doesn’t matter how much money you earn if you never get to see your spouse or children, or if you sacrifice your health for your work. This is a demand that didn’t exist in the past. During the Industrial Age, the question “Are you truly happy with your life?” would have been greeted by most as self-indulgent nonsense. “Happy?! What a question! I’m making money.” Today we want more. Our economy and living standards have grown to the point where we not only expect to make a living, but also expect to have the best possible experience living that life. We don’t want to have to sacrifice family for work, or vice versa. Just as baby boomers want to be younger and healthier, they also want to have the economic freedom to enjoy their continuing state of health. We don’t just want more dollars; we want better dollars. And there is one emerging form of economic enterprise that perfectly fits this description: network marketing. The typical network marketer’s benefit statement—“You work when you want, how you want, and with whom you want”—combined with the very real value of a business based on helping others succeed, creates a uniquely attractive package to the 21st century businessperson. And I see a more seamless weaving together of work and family in network marketing than in any other sector of the economy. It’s no wonder that network marketing has grown steadily over the last 20 years, increasing more than 91 percent in just the last ten. With more than 13 million Americans and 53 million

P

people worldwide involved, it is today a $100 billion global industry. Yet as impressive as this is, it’s not hard to see that the real growth has barely begun. Today less than 1 percent of the population is involved in network marketing, yet 175,000 new people are pouring into the profession each week in the United States alone. According to Neil Offen, president of the Direct Selling Association, at the current rate of increase, some 200 million people will enter this industry over the next ten years, effectively quadrupling its current population. In other words, network marketing is already a force to be reckoned with—but there is an even bigger explosion ahead. The Big Picture Let’s put these two trends, wellness and network marketing, into perspective in the context of the overall economy. In 1989, at the beginning of the worst period of economic decline since the Great Depression of the 1930s, most experts were predicting decades of economic gloom. The most popular book in the United States was titled The Great Depression of 1990. That year, at the lowest point of the recession, I wrote a book titled Unlimited Wealth that predicted exactly the opposite: that we were headed

I SEE A MORE SEAMLESS WEAVING TOGETHER OF WORK AND FAMILY IN NETWORK MARKETING THAN IN ANY OTHER SECTOR OF THE ECONOMY. 74

SUCCESS FROM HOME Volume 1 Issue 5

into an era of unprecedented growth and opportunity, with seemingly impossibly low interest rates and low inflation, and that those who embraced this stood to profit enormously. Many in the financial and business community gave the book little credence—that is, until the years ticked by and the forecasts began proving accurate. But there were those who were quick to grasp its significance, including the late Sam Walton and, interestingly, members of the network marketing community, who got the message loud and clear and responded immediately. From 1991 to 2001, the world economy doubled in size, enjoying the highest growth rates ever recorded with the lowest interest rates and low inflation. In the United States, household wealth tripled, growing from $13 trillion in 1991 to more than $40 trillion in 2001. Over the same 10 years, the number of U.S. millionaires doubled, jumping from 3.6 million in 1991 to 7.2 million in 2001. After the economic crash of 2001, many people felt they missed their chance to be part of the boom of the 90s. Yet in the few short years since the catastrophic events of 9/11, U.S. household wealth has increased $8 trillion to $48 trillion— an additional 20 percent! Today, the U.S. and the world economy look almost identical to how they looked in 1991, except that there are more opportunities for entrepreneurs due to recent changes in taxation and technology. Based on this history and on current conditions, I project that household wealth will roughly double again in the next 10 years, reaching the $100 trillion mark by 2016. This is actually a fairly conservative projection; after all, this is only a doubling of the U.S. household wealth over the next decade, a figure which more than tripled during the 1990s. What is more startling than that sheer growth is the nature of that growth—because in the course of adding another $52 trillion in household wealth we will also see the creation of more than ten million new millionaires!


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are more people getting rich: The number of millionaires is increasing. In the past, you never had a chance. Because the big corporation ruled, someone else made that money… the Astors, the Vanderbilts, the Rockefellers. But during the 1990s, 3.6 million people stepped forward and claimed their own fortunes. Now let’s go back to that forecast of $100 trillion in household wealth by 2016. (And remember, that’s a conservative forecast.) Where will that new $52 trillion come from? Of course, the majority of it will go to make those people who are already wealthy still wealthier. But at least 20 percent of it—$10 trillion or more—will represent new entrepreneurs coming to the table. That $10 trillion represents ten million new millionaires. One of the greatest thrills I have as a writer is to

network marketers who represent a wellness line of products or services. The great religions of the world became great partly by addressing the secular needs of their adherents. Indeed, the founding documents of most religions demonstrate that God wants us to be well—Deuteronomy contains expansive portions on diet, and gluttony was one of the original seven deadly sins. Yet today, the crying secular need of learning to live a wellness lifestyle of diet and exercise is ignored by most religions and religious organizations. But they are not ignored by the network marketing community—indeed, recognizing and serving this global need is at the very heart of the network marketing model. Make no mistake: There is a crisis, a trend of epidemic proportions opposite to wellness—a crisis of overweight, obesity and the so-called “lifestyle diseases.” Right now, consider running as a normal, everyday activity would network marketing is the have been seen as lunacy. only force I see that has the potential to effect the huge To this $24 billion you can add another $12 billion paid change that’s so badly needed. to personal trainers. Personal trainers?! Twenty years ago, And when you go out into the en or 15 years ago, it would have been tough to go into nobody would have believed it. A top-paid athlete, sure, world to help improve peothe wellness industry. Why? Because there was no such but everyday people actually paying someone to show ple’s personal and economic thing as the wellness industry. What happened? them how to step on and off a machine, just to stay fit? wellness, you are adding Aging has always been a part of life; it’s not as if there Who would pay for such a thing? value to society and conwere a sudden spontaneous “need” for a wellness industry. We would: $12 billion worth. tributing to the betterment of The wellness business appeared in the last decade because And this is only the beginning. Most people still either the world. That, to me, is of new technology. As my theory of economic alchemy don’t even know that wellness products exist, or don’t serving God: doing the best explains, an advance in technology often creates new believe such products actually work—until they or job you can at serving more of demand, by creating new opportunities and options that someone close to them has their first wellness experience. God’s children. didn’t previously exist. Wellness is a perfect case in point. Then they become voracious consumers and new adapters Given the confluence of Today we spend $24 billion annually in fitness club these two trends, wellness of wellness products and services. At the rate it’s going, memberships. A generation ago, who ever heard of joining and network marketing, I I project that by the end of this decade, just as the PC a fitness club? In 1975, jogging was regarded as a “craze,” cannot think of any other industry did 10 years ago, the wellness industry will exceed a fringe thing, like the hula hoop, that would go away quietly time in history when the $1 trillion. if we just gave it time. The idea that an entire nation would opportunity to serve this greater cause has been parts, namely, the individual entrepreneurs— know that a good number of those next mil- more abundantly available, not only to a few, but to millions. and as a result, more and more of those entre- lionaires are reading this article right now. preneurs are becoming millionaires. In the past, where we’d see a single company creat- A Holy Mission Professor Paul Zane Pilzer is a world-renowned econoing wealth of $1 billion for a few shareholders, Since I first began closely studying the wellness mist, multimillionaire entrepreneur, college professor today we’ll more likely see 1,000 individuals industry, I’ve grown quite passionate about it. It and author of five best-selling books. To learn more each going to $1 million. has become something of a mission for me—and about Paul Zane Pilzer, please visit his Web site at Instead of the rich getting richer, it means there I’ve observed that it is a powerful mission for most www.PaulZanePilzer.com. The Next Millionaires Who will those new millionaires be? Many of them will be network marketers. Small businesses today account for more than one-half our nation’s economic output and employ more than half our private-sector work force—and more than half of these are home-based businesses. In the past, it was riskier to go into business for yourself than to work for someone else. Not anymore. Recent changes in tax law have leveled the playing field—if anything, actually tilting it toward the individual entrepreneur! Congress has responded to a shift in values: People today want to work from home. Now they can. The large corporation is giving way to the independent contractor and the self-employed entrepreneur. In effect, we’re breaking down those huge corporations into their component

The Next Trillion-Dollar Industry

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EYE ON ARBONNE

REGIONAL VICE PRESIDENT

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Gen Y’s

Road to Region

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ia Borsellino of Montreal, Quebec, considers herself lucky: She discovered Arbonne while still a University student. Unleashing her inner entrepreneur as soon as she learned about the opportunity, Lia jumped in and began building her Arbonne business alongside her pursuit of a Marketing degree. Now she’s growing a business, enjoying life — and looking forward to fulfilling her destiny of helping people. As young adults, we start to imagine our future and what we see for ourselves. We begin to have to make choices that directly impact our life and can no longer depend on others to make those decisions for us. We start to wonder if our choices are the right ones and if everything we imagine for ourselves is actually possible. I always knew that I was destined to design my life and create my own financial success and I knew I wanted to do that by helping others. Thankfully I was introduced to Arbonne. At the age of 21, I never thought I would have the opportunities, freedom and flexibility that I have today. As a full-time University student studying Marketing, I jumped on the opportunity of starting my own home-based business with flexible hours and the chance to have my own global successful business. Lia with her boyfriend Ramez.

Lia Borsellino

Arbonne Independent Consultant, Regional Vice President

When I was introduced to Arbonne, I started to imagine and think of my dreams and how Arbonne could lead me there. I knew I had to make time for Arbonne in my already-busy life. I decided to be the young entrepreneur I wanted to be, develop a network full of positive and enriching people and create a life of self-fulfillment.

“I no longer worry about what I will do when I finish school. I look forward to my future with Arbonne — and everything else I do will be pure passion.” When I joined Arbonne I knew I was going to the top. I knew that no matter what anyone told me, as long as I believed in myself, the products and the company, I would make it. With that certainty and commitment, I promoted to Regional Vice President!

Lia with her dad Joe, mom Franca and brother Franco.


I am excited to see what the future holds for me, especially knowing that my journey has only just begun. My goal is to continue to help as many people as I can and to make a difference in the world, as I know I was destined to do. Not only did Arbonne show me direction, I am able to continue my education, enjoy precious moments in my life, and be independent. I no longer have that worry about what I will do when I finish school. I look forward to my future with Arbonne — and everything else I do will be pure passion. What I love most about Arbonne is that even though you are working for yourself, we all work as a team and help each other. When one succeeds, we all succeed, and with that I would like to take this opportunity to thank some very special people.

SUCCESS STRATEGY

“My goal is to continue to help as many people as I can and to make a difference in the world as I know I was destined to do.”

To my Sponsor, ERVP Marisa Braia: Thank you for sharing this opportunity with me, and for paving the way. You believed in me from day one and I am so grateful to have met you. I love sharing this journey with you. To my amazing upline, NVP Loriana Savignano and ENVP Milva Kennedy: Thank you for always taking the time for me. I am so grateful for the support you give me. I look up to you both more than you know. To my Area Managers, AM Veronika Paventi, EAM Nelly Salama and AM Joanna Di Venosa: I am so proud of all of you for believing in me and most importantly believing in yourselves. You continue to inspire me every day. I cannot wait to promote each one of you to RVP and give you your keys to your Mercedes-Benzes. To my entire downline: I am so grateful for every one of you. Never give up on your dreams — this is only the beginning. I have a huge vision for the Borsellino Region, soon to be Nation, and I am excited to share this journey with every single one of you. See you at the top. To my best friend and boyfriend, Ramez: Words cannot express how grateful I am for all the belief you have in me. You believed in me even when I didn’t believe in myself. Thank you for being my rock and for being by my side through this entire journey. I love you very much. To my amazing family of fighters: Mommy, thank you for showing me what strength and belief is all about. I hope I will grow up to be half the woman you are. You truly are one of a kind, and I am so lucky to have the most amazing mom. Keep fighting and together we will show the world how strong the power of belief is. Daddy, thank you for everything you’ve taught me. You inspire me in more ways than one and I am so grateful to have the most fun, caring and especially supportive father in the world. Thank you Mom, Dad and Franco for always having an Arbonne-filled home — but more importantly for giving me the most amazing life. I wouldn’t be where I am today without your guidance and support. I am so proud to be part of this family and I hope to make you all proud. I love you all very much. To all my friends, family, preferred clients, and clients: Thank you for your support and love of Arbonne and its products. At the beginning of my Arbonne career, I made a decision: I was going to the top of this company no matter what and bringing as many people with me as possible. This is only the beginning of a beautiful journey and I invite all of you to join us as we continue to help as many people design the life that they want for themselves and their families. We truly are better together. To the top! The Arbonne Independent Consultant featured in this EOA has achieved the rank of Regional Vice President. The average number of active Arbonne Independent Consultants who achieved this rank and average compensation is described further in the Independent Consultant Compensation Summary (ICCS) available at arbonne.com > The Company > Corporate Information > 2011 Independent Consultant Compensation Summary. The testimonial in this EOA is for illustrative purposes only and does not represent income projections. The results discussed in this EOA by the featured Arbonne Independent Consultant are not typical and should not be relied upon by prospective or current Arbonne Independent Consultants as an indication of what they should expect to earn. Actual results for each Arbonne Independent Consultant will vary depending upon individual effort, time, skills and resources. Arbonne makes no guarantees regarding income. MARCH 2014

Top to Bottom Lia with her Area Managers: AM Veronika Paventi, EAM Nelly Salama, AM Joanna Di Venosa. • Lia with some of her family, friends and Montreal team. • Lia in her new white Mercedes-Benz. • Lia with her Sponsor, ERVP Marisa Braia.


eye on arbonne

regional vice president

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university student putting herself through school, Washington, Michigan’s Lauren White was prepared for a life in the competitive corporate grind. But after a chance encounter with Arbonne, Lauren discovered another professional path. She took the leap, started her Arbonne business — and today is living life on her own terms. As a college student trying to earn my degree in marketing while working two jobs, I was eager to taste the world’s definition of success. I had dreams of finding a full-time job and I was ready to climb up the corporate ladder until retirement. But when I was introduced to Arbonne two years ago, I had no idea that I had come across a great business opportunity. I was asked to host a Presentation and, although I agreed only reluctantly, I fell in love with Arbonne’s products and even more so with the business. I became filled with hope that my future could look a little different. I listened Lauren and her husband, Rob.

Lauren White

Arbonne Independent Consultant, Regional Vice President

intently to my Sponsor and now dear friend, ERVP Danielle Krasfi, as she painted a picture of a life full of choices, where you don’t have to trade time for money or submit to the so-called “normal life.”

“Because of Arbonne, I am able to have a life full of choices.” But there was still a part of me that feared failing. I never knew anyone that made these “lipstick businesses” work, and I wondered how I was going to fit this into my already hectic schedule. So with a leap of faith, I made up my mind that I was going to change my life. I became the best copycat I could be and followed a recipe for success. I learned from the successful women who have gone before me and soaked up every ounce

➤ Lauren and her sweet family.


of advice with a coachable heart. I worked this business into the nooks and crannies of my life and worked consistently to share these products and opportunity two to three times a week. I realized how important it was to share “free hope” with other people. I felt as though it was my responsibility to show others how their life could look different too. This business no longer was about me; I saw what it could do for others — and I ran with it! I still remember NVP Emily Martin asking me, “If you keep doing what you’re doing, you’re going to keep getting what you’re getting — and do you like what you see?” That question has guided me throughout my entire business. It has allowed me to set fear aside and to keep pushing through every challenge. It is time to change your life and begin to dream again. If I can do this business, so can you! I am truly walking on blessings. Consistent focus, patience and the grace of God has allowed me to graduate from college, experience amazing places and create irreplaceable friendships. Because of Arbonne, I am able to have a life full of choices. Thank you to my almighty God, through you all things are possible. To my husband Rob, thank you for always believing in me and always encouraging me to become better. You have made this journey so fulfilling and I cannot wait for what stands before us! You are my rock. I love you! Thank you, Mom and Dad, for your unwavering support. You have taught me how to work hard and never give up on my dreams… even when that wasn’t necessarily using my degree but doing Arbonne Presentations instead. I love you! To ERVP Danielle Krisafi, thank you for sharing this gift with me. Without you, I would not be here today. You are such a giving person, and I am so blessed that we are on this journey together! To my sister-in-law, AM Danielle Hayter, thank you for all of your hard work and dedication even with four children at your feet. To my brother Paul, thank you for all of your support and cheering for us on the sidelines! I love you both! To NVP Emily Martin, thank you for constantly pouring into me and for always believing in me. Your belief has guided me and I am lucky to have you in my life. To ENVP Shelly Nelson, thank you for being a “Mama Bear” and for always being transparent. I admire you in every way. To ERVP Kathy Korpi, the love you have for this business is so contagious. You made me become a better person and grow a stronger business — and you have always raised the bar. Thank you. To all of my AMs, DMs and Consultants, thank you for all you do. You each have a special place in my heart and you are each building strong businesses for yourselves and your families. Never quit and never give up on your dreams! Top to Bottom Lauren with her amazing upline: ERVP Danielle Krisafi, ERVP Kathy Korpi, NVP Emily Martin and ENVP Shelly Nelson. • GTC 2013. • Spring Team Meeting 2013. • Lauren on her wedding day, with dear Arbonne friends. The Arbonne Independent Consultant featured in this EOA has achieved the rank of Regional Vice President. The average number of active Arbonne Independent Consultants who achieved this rank and average compensation is described further in the Independent Consultant Compensation Summary (ICCS) available at arbonne.com > The Company > Corporate Information > 2011 Independent Consultant Compensation Summary. The testimonial in this EOA is for illustrative purposes only and does not represent income projections. The results discussed in this EOA by the featured Arbonne Independent Consultant are not typical and should not be relied upon by prospective or current Arbonne Independent Consultants as an indication of what they should expect to earn. Actual results for each Arbonne Independent Consultant will vary depending upon individual effort, time, skills and resources. Arbonne makes no guarantees regarding income. may 2013

SUCCESS STRATEGY

“Become the best copycat you can, have unwavering focus, and a coachable heart.”


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OF CHOICE Have you ever wondered what it would be like to wake up whenever your eyes feel like opening, plan your entire day on your own terms, and to not be at the beck and call of a boss? Never in my wildest dreams did I think that at the age of 23, I would be able to do just that! Arbonne may enter your life in the strangest of ways and, if you are like me, it may present itself several times before you even consider what it has to offer. When I first heard of Arbonne three years ago, I never thought anything of it. It was just a word—and one I thought I would never hear again. To my surprise, I heard the word Arbonne a short two months later. The following six months consisted of my aunt trying to explain the business side of Arbonne to me. However, being in my third year of University and planning to become a pharmacist, I was completely uninterested. Another six months passed before I decided to join Arbonne, solely to shop at a discount and save on my own personal products. I assured my aunt that I would never do Arbonne, as I am not a salesperson, am far too busy and am terrified of public speaking! Seven months later, December 2006, and I was a new District Manager. Before I knew it, July of 2007 rolled around; I was almost 22 years old but felt as though I had hit a crossroads in my life. I received four rejection letters from pharmacies and had just completed a 10-month hairstylist course. Not wanting to pursue either of the above, I decided to give Arbonne a try, after all I had nothing to lose and everything to gain. Once I decided to jump in with both feet, I did just that. I reached Area Manager in two months and then took another thirteen to hit Region, Brian Johnston and Brittany on the day of their engagement, at the Fox Theater after NTC 2008 Atlanta.

brittany fehr Independent Consultant, Regional Vice President B. Fehr Region; Saskatoon, Saskatchewan, Canada

both years going into qualification on my birthday! Looking back, this journey has taught me that everyone has the ability within them to be successful and accomplish their goals. I encourage everyone reading my EOA to genuinely listen to whoever introduced you to Arbonne, as the opportunity will change your life if you let it. It truly is a gift and one that is worth opening! I also want people to know there is so much more beyond the “lipstick and lotion” of this company. This opportunity will give you the ability

Brittany and President Rita Davenport, CNTC 2008 Toronto.

continued ... DM Jamie Bulin, DM Ashley Allison Trimmer, RVP Brittany Fehr and AM Jami Mann at crossline Carla Masely’s MercedesBenz car presentation in Regina, Saskatchewan.


success strategy:

to change lives, to be a difference maker and to live the life you have only dreamt about. All this business takes is a decision, a commitment, a “no-matter-what” attitude and unwavering belief! If you have that, then you have everything it takes. To my aunt and sponsor, EAM Susan Mouland, words cannot express how thankful I am to you for not giving up on me. There is no greater gift than the gift you gave me a short three years ago, and for that I will be forever grateful. I love you!

To my uplines, ENVP Carol Egleston, ERVP Josanne Flemming and ERVP Jody Flemming: You are amazing women! Carol, your words of wisdom mean so much to me. I am proud to be a part of your Nation. To Josanne and Jody, if it wasn’t for the two of you guiding me and encouraging me to be all I can be, I would not be where I am today. You have been with me through it all, and I thank you both from the bottom of my heart. Love you! To AM Jami Mann: You inspire me and make me want to be a better person! I love you and couldn’t imagine being on this journey without you. You are an amazing leader and your team continues to grow every day.

and are amazing at what you do. Success is in your hands ladies, cant wait to see you all at the top! To the hundreds of Consultants on my team, family, friends and everyone else who supported me, thank you for helping me accomplish my dreams. I love and appreciate you and I wish you all the success and happiness in the world! To future Arbonne Independent Consultants, success is waiting for you. This is a life changing opportunity; embrace it! To the love of my life, best friend and fiancé, Brian: Without your belief and encouragement, I would not be where I am today! I am forever thankful you came on this journey with me and never doubted my abilities for a second. I do this for us and for our future! I can’t wait to spend the rest of our lives together. I love you! Life is too short to spend it on someone else’s terms, to make your boss’ dreams come true instead of your own, so dream big and make the decisions today that will allow you to live a life of choice!

To AM Nicole Switzer: You are an incredible woman and a courageous leader! You have a natural ability with Arbonne and I see the fire inside of you. You are going to the top and bringing many along for the ride. I am so proud of you. Love you! To DM Jamie Bulin: You are an incredible leader and I know your dreams are just around the corner. To DM Ashley Allison Trimmer: Your unwavering belief in Arbonne continues to inspire me and I know you are headed to the top very soon. To DM Sarah Akister: Your determination and composure is admirable. To DM Stephanie Perkins: I know this business is for you. To DM Brandice Williams: You brighten my days

L-R: Consultant Brian Johnston, DM Jamie Bulin, EAM Susan Mouland, RVP Brittany Fehr, DM Janice Hornung, DM Carolyn Sclanders and Brittany’s father, Consultant John Fehr.

Brittany and team with President Rita Davenport in Toronto at CNTC 2008. L-R: Julia, AM Nicole Switzer, Consultant Christina Pope, RVP Brittany Fehr, President Rita Davenport, AM Jami Mann, ERVP Jody Flemming, ERVP Josanne Flemming, EAM Susan Mouland and DM Janice Hornung.

L-R: Teresa Slinkard, EAM Susan Mouland, Consultant Christina Pope, RVP Brittany Fehr, AM Jami Mann, Consultant Carlin Darby and DM Jamie Bulin and Brittany’s pretty Mercedes-Benz C350 4MATIC

E Y E O N A R B O N N E | JANUARY 2009

The testimonials in this story reflect the actual experience of an individual, are anecdotal only, and may be atypical.

To my Dad, my number one supporter: You have always been there for me, no matter what I have decided to do, and have never doubted my abilities to succeed. You are supporting me and encouraging me to be all I can be and that means the world. I am so lucky to have a father like you! I love you, Dad!

ENVP Carol Egleston, RVP Brittany Fehr, ERVP Jody Flemming, ERVP Barbara Nelson, DM Janice Hornung, DM Carolyn Sclanders, EAM Susan Mouland and ERVP Josanne Flemming at an Area Manager retreat in Tulsa, Oklahoma, February 2008.

REGIONAL VICE PRESIDENT

Make the decisions today that will allow you to live a life of choice.


Congratulations on digging a little deeper into the

Arbonne Business Opportunity! Let’s set up time to answer any questions that this information invites. Let’s go change lives together!

Melissa Kanaly Arbonne Independent Consultant, Executive District Manager Phone/text: 609.458.2332 Email: liquidmlk@gmail.com Skype: RockStarMLK


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