In The Pages of This Rare $1,799 Investing Book:
A Secret So Powerful the
Does Not Want You to Read It...
Valuable, It Boosted One Man's Profits by +9,537%...
Investors Are Willing to Pay THOUSANDS for It...
One of the world's greatest (and
richest) investors is a man who most people
have never heard of.
And that is just
the way he likes it.
grants interviews and doesn't want people to
know the stocks he buys. He has a website,
but it contains no information available to
the public. And while he did write a book,
he does NOT want you to read it. You'll find
out why in a moment...
in this book is so valuable,
investors are willing to pay
thousands to get their hands on it.
In fact, Amazon.com has
one copy listed for $1,799 and
another for $2,397!
could fork over the money --
if you want to fight other ravenous
investors for one of the few coveted
copies. Or, you could read this
report and discover...
How the "World's Safest
Multiplied His Portfolio 95
on Boring Stocks...
Amazon.com copy listed at $1,799
think he accomplished this feat with
the same old "buy and hold"
strategy, discard that notion right
now. What's more, he didn't play
investing roulette by gambling on
penny stocks or options.
Most people know Warren Buffett...
Jim Rogers... and Peter Lynch. We
know their stories. We know their
style of investing. And we're
familiar with their success.
But maybe one investor in a thousand
knows the name Seth Klarman.
And that's a shame, because
while no one was looking, he generated
a +9,537% compounded return
on some of the safest (and most
boring) stocks around!
is very important that you, as a
savvy investor learn his story.
This is why I'm writing to you
today. I want to share the rare
secret he incorporates into his
"boring" investing style -- a
secret that could boost the value of
your portfolio several times over.
Even better, I'll show you how
we have already used it to
bring a veritable fortune to those
we've shared it with.
you know this secret, you'll have
the same tool that has allowed many
investors to generate double, triple
and even greater gains.
So, I'd like to ask for your
attention as I introduce you to...
The World's Greatest Unknown
Starting in February of
1983, when his fund was
established, Seth Klarman
has generated a +20% average
annual compounded return for
25 years. And during that
time, he had only ONE down
a year may not sound like
groundbreaking returns, but
consider this. Earning +20%
a year over that period of
time would generate +9,537%
in total gains.
Imagine if you had been
along for that
record-breaking profit ride.
You could've transformed a
$20,000 stake into more than
This is how real money
And to give
you an even better idea of
Seth Klarman's success, keep
in mind that these numbers
are AFTER fees and
kind of return... with that
level of consistency... over
such an extended period of
time is as rare as lightning
striking the same place
twice. Except in this case,
it kept striking for two and
a half decades.
But That's Only Half the
Klarman used no leverage
to boost his gains. He
rarely sells short. And, he
commonly holds as much as
50% of his portfolio in
In the hedge
fund world, that's the
equivalent of a champion
boxer... with only one arm!
And I'm not talking
about a small personal
portfolio that the average
investor could manage from
their home office.
Klarman generated his
+9,537% compounded return
while managing billions.
And, when you are
dealing with billions...
flexibility is a luxury you
are not often afforded. But
he found a way to do it. He
kept that secret very close
to the chest for a very long
secret that many money
managers seek the spotlight,
but Seth Klarman is
different in that he is
he currently has about $17
billion under management, he
is tight-lipped about the
way he invests and he rarely
shares his secrets. Not even
with those closest to him.
But once, he did let his
guard down in 1991, when his
book Margin of Safety
$1,799 For an Obscure Book about
In his book,
Klarman revealed his entire method
for selecting stocks.
fact, he regrets that he revealed so
much! That's why his book is out of
print -- he's never allowed it to
knowledge in the book is so
valuable, BusinessWeek reports that
it has become "One of the most
commonly stolen books in the
willing to pay thousands for it, if they can
even get their hands on a copy.
great news for you is that I am about to
reveal one of Seth Klarman's greatest
secrets. In fact, this idea is so powerful
he devoted an entire chapter to it.
Can You Use It to Your Advantage? $50,360 in
Profits Says You Can!
I know just how
powerful this is, because here at
StreetAuthority, we've used the same system
to generate a string of winners a mile long.
Take a look at a just a sample of
the gains we (and our fortunate readers)
have made following this system.
In fact, had you just put $1,000 into each
of the recommendations below you would've
been rewarded with a payout of more than
$50,000. And if you invested in the entire
portfolio, your return would be even
Gilead Sciences (GILD)
Procter & Gamble (PG)
Eaton Vance (EV)
Central E. (CEDC)
Tanger Factory (SKT)
And these are not
hypothetical gains. These are verified
recommendations based on what I am about
to share with you.
And this is just
a partial glimpse. The total list of market
successes is much, much longer.
used Klarman's secret to amass one of
the most impressive Wall Street runs you'll
ever see. In fact, the gains we have
generated with this system have rivaled
those of the master himself.
best part is that these gains have come with
a very low level of risk. Like I mentioned
earlier... no options... no leverage... no
penny stocks... and no complicated system!
Our success is the result of making
sure that ONE THING is in place
before we recommend a stock.
I Want Tell You The Secret Of
This Rare Book
Absolutely Free... Right Now.
The Key to Making
BIG Money in Stocks is to
Invest in Companies
that Are about to Receive A Sudden Rush of New
This seems like common sense doesn't
it? Of course! Market demand breeds profits.
But the secret lies in
"how" you predict that sudden influx
It's not just about finding hot
sectors... great management... or even great companies for that
Take a look at the charts for Microsoft... Pfizer... Intel...
Wal-Mart... or General Electric.
There is no doubt that these are GREAT companies. And yet,
they all trade about where they were 10 years ago -- in
some cases much lower.
Great companies can languish in their "greatness" for years,
without rewarding you at all. Greatness alone just doesn't
drive stock prices...
What does drive stock prices is when a tidal wave of
buying hits a stock -- regardless of
what's going on in the market or the economy in
The price takes off like a bullet...
A Bullet Has
Enormous Potential Energy...But It's Worthless Without a
Pull the trigger on a gun and the
bullet will fire from the barrel at more than 1,000 feet per
In the investing world, we call these "trigger events"
A catalyst creates a chain reaction that has a dynamic (and
profitable!) impact on a company's fortunes. Once the
catalyst has taken place, the Wall Street sales machine
kicks into gear and investors furiously drive up the price.
A catalyst-driven stock is like a coiled spring, ready to
explode as soon as the pressure is released.
Timing is critical -- if a stock isn't poised to benefit from a major positive
catalyst (or a combination of them), move on! Look for another stock!
Investing in a company too early can be as
ineffective as investing in the wrong company.
But you don't want to buy a stock that "may"
be impacted by a
catalyst some day in the future. If you aren't making money
in the markets -- you are losing money -- while you are sitting and waiting,
your wealth is being eroded by inflation.
Plus, the longer you have to wait -- the more that can go
wrong with your investment.
No, what you need to find is a play where a catalyst is
imminent so you don't lose a day of money-making
But that's easier said than done. If it were easy, the world
would have no shortage of Seth Klarmans.
In just a moment, I'll show you exactly how I identify these
"trigger" stocks. And, more importantly, I'll show you the TOP
catalyst stocks to buy right NOW!
But first, let me introduce you to a few more world class
investors who owe their wealth to catalyst investing. While
their numbers are few (due to the closely guarded nature of
this secret)... their success is formidable.
The World's Greatest Investors Buy Stocks with a "Trigger"
Seth Klarman is one of the world's most
successful investors. But no matter how great an investment
may look, he won't buy anything without a catalyst to unlock
It's such an important
part of his formula he dedicated an entire chapter of his
book to the subject of catalysts. But he's not the only world-class
investor who insists on a "trigger" before he buys...
Ken Heebner manages the CGM Focus Fund, the number one
large-cap mutual fund in almost every time period tracked by
Morningstar. Between 1997 and 2007, the +26% annual return
of the Focus Fund beat all U.S. stock funds.
That's enough to turn $5,000 into a $50,428 windfall.
So how does Ken Heebner do it?
According to an article in Investor's Business Daily,
"His outperformance was due largely to bloodhound-like
tenacity in sniffing out a stock's catalyst."
And then there is
Mario Gabelli -- another legend who insists on finding
catalysts. In fact, Columbia Business School credits Gabelli
with coining the term, as it relates to investing. It's so
important to his success that he trademarked his "Private
Market Value plus a Catalyst" formula.
Gabelli's firm has $29 billion under management. And at one
time, his flagship fund went 15 years in a row without a
single down year!
Do you see how powerful this strategy can be?
No matter what the specific investing strategy, the most
successful investors know how powerfully catalysts
can boost returns.
This is not just a better way to
invest... it is darn near the only way to
During the past eight years, we at StreetAuthority have
developed a system for reliably and accurately identifying
stocks that are about to receive a rush of new interest...
and a flood of investment dollars. In other words, we've
become experts at identifying catalysts.
During that time, we have used this powerful system to
generate a returns like +479%... +228%... +275%... +215%...
+179%... We've done it by seeking out -- and finding -- the
catalysts that propelled these stocks.
Now, I think I've made it clear "catalyst investing" offers
the best way to find winning stocks in any market. But what
are some of the triggers we are looking for when seeking out
Keep reading and I will show you exactly how we do it
and give you specific examples of what we look for.
You're going to get a look at the inner workings of this powerful
You're going to see beyond a shadow of a doubt
that this works.
What's more, I will also share with you our top recommendations for
relatively safe stocks that are poised for explosive
breakouts in the weeks and months ahead...
"Trigger Stocks" Can Put Huge Gains in Your Account
Want to know just how
profitable this can be?
Let me give you a few examples...
Have you ever heard of the company InterDigital (Nasdaq:
many people have.
InterDigital was a tiny patent holder in the
wireless phone arena in the 90's. Because nobody had
ever heard of the company, its stock traded in a
very narrow range for years.
That changed on November 17, 1999.
That was the day industry giant Qualcomm(Nasdaq:
QCOM) filed a
report with the SEC disclosing that it had licensed
an essential patent from InterDigital. Investors
soon realized that InterDigital would get royalties
on every cell phone built to the new industry
Talk about a catalyst! This announcement sent the
stock soaring from around $6 to more than $80...
triggering gains of more than +1,233% for InterDigital shareholders!
Politics Can Make a Great Catalyst...
We have no shortage of political maneuvering in the United
States. But global politics can greatly affect your
portfolio as well.
Take Russian wireless firm
VimpelCom (NYSE: VIP). It now trades on the
New York Stock Exchange, and it's a stock that Ken Heebner
invested in. He's one of those "catalyst" investors I told you about
When Heebner bought the stock, most investors were very
cautious about Russia's controlled business environment.
They knew that Vladimir Putin could make things difficult
with just one decision.
But Heebner is like a bloodhound for catalysts. In his
research, he discovered that the oligarch who ran VimpelCom
was in good favor with the Russian leader. That gave it a
leg up on the competition and ensured a path of continued
Sure enough, the stock rose +175% in one year while it was a
top five holding of Heebner's Focus Fund.
The Biggest Catalyst Winner of
One of the biggest catalysts of
all can be when a company launches a new product.
Take one look at
AAPL) to see how powerful this can
be. Less than 10 years ago, it appeared that Apple
was on its way to becoming just another marginal
computer company -- with a user base of students and
Steve Jobs had returned to the company just a few
years prior (a huge catalyst in itself). And Apple
had been developing several new products. On October
23, 2001, Apple introduced one of these products -- a
portable media player that could hold enormous
amounts of data.
Of course, we now know this device as the iPod -- a
product that has added tens of billions of dollars
to Apple's market cap and catapulted the stock from
around $7 in 2003 to more than $250 today.
That's a gain of +3,471%... and one of the most
storied stock runs in history.
At this point, you may find the process of
interpreting what qualifies as a catalyst to be a
bit overwhelming. That's understandable.
As you can see, catalysts don't fit into a tidy box.
They come in all shapes and sizes and they can be as
different as the companies that benefit from them.
The good news is that you don't need to become an
expert yourself. That's where we come in - we've got
the expertise you need, right here at
You see, the real secret to benefitting from powerful catalysts is to have a trained eye
guiding you. And with that, please allow me to
What Do I Know About Catalysts Anyway?
My name is Nathan Slaughter,
and I'm the Chief Investment Strategist for the
StreetAuthority Market Advisor letter
-- the only service in
the world that is dedicated to catalyst investing.
My previous experience includes a long tenure at
AXA/Equitable Advisors and as well as a position
with Morgan Keegan. But my best credential is my
track record here at StreetAuthority, which I'll
tell you about in a moment.
You see, besides my beautiful wife and four kids, my true passion and
calling is to share my research and recommendations with
people just like you. My goal is to help YOU build wealth
safely in today's turbulent markets.
Over the years I have developed a long track record of
finding profitable investments no matter where they hide.
And I don't know of any better way to do that than with
stocks that are due to benefit from a powerful positive
catalyst. You see, it doesn't matter what's happening in the
market or the economy...
When a major catalyst hits a stock, the price goes up... And
That's why I never recommend a stock unless it has at least
one (and usually several) powerful catalysts supporting it.
So, if you want to know which stocks have the strongest
catalysts on the market today, there's no other place to
look than StreetAuthority Market Advisor.
Let Me Show
You How We Pinpoint Stocks with
The Most Powerful
Catalysts Behind Them
When I begin my research, of course I look for companies
with solid fundamentals... great management... attractive
valuations... growing earnings... strong competitive advantages...
I pride myself on rigorous and methodical research and the numbers come easily to me. I
have even been called a "math and statistics geek" before. I
don't mind this one bit... it has made me and my readers who
invest alongside me a lot of money.
But really, these are the same things that most investors
look for. Where is the edge in that? What makes me and my
system so special?
In Market Advisor, I take it several steps
First, my research team and I narrow our pool of stocks
down to about a dozen of the strongest.
Then we narrow the field down even more by looking for those
that have powerful positive catalysts in the near future.
Finally, to help us quantify these advantages, we have developed
a proprietary Catalyst Rating System, which you'll
see below. This is what I use to
quantify the real strength behind a stock.
not all catalysts are created equal. That's why our
system awards each stock from one to five stars,
based on the number and strength of the catalysts supporting
An all-cash takeover offer will do a lot more for a stock
than an analyst upgrade. And a stock with three catalysts
will almost always outperform a stock with just one.
My top 5-star rating is reserved exclusively for stocks with
the strongest combination of catalysts I can find. These
gems are rare, but when they turn up, you can expect big
things. In fact, most of the triple-digit gains we have
achieved have been the result of 5-star stocks.
Here's a look at our proprietary rating system...
This Catalyst Rating
System is the driving force behind all of our investment
And the only place you'll find it is in
StreetAuthority Market Advisor.
We provide complete details on the catalysts that will
affect every stock we recommend.
And if there are no major catalysts, we simply won't
StreetAuthority Market Advisor is the only newsletter that
delivers a clear, concise description of the key catalysts
supporting each investment recommendation we make.
Check Out These Catalyst-Driven Gains of +78%... +178%...
I have already shared
with you nearly two dozen double and triple-digit winners that our
system has produced in recent years. And that doesn't even
count the dozens and dozens of others we have
Now, let me show you a few examples of how catalysts have
powered the stocks in our portfolio...
One of the most powerful catalysts can be a surprise
takeover announcement. That's just what happened with our
position in Wrigley. We added shares of the chewing gum
giant to our portfolio near the bottom and were already
sitting on gains of +50% when Mars tendered an offer for the
Overnight, the shares jumped +23% and we ended up with a
gain of0 +78% from our initial entry point.
Or consider MasterCard. We liked the fact that the company
has such a strong competitive advantage. It would take
billions of dollars and decades to re-create the global
payment network that MasterCard has built. That's a good
reason to like MasterCard, but it's not a catalyst.
The catalysts we pointed out were the seemingly unstoppable
trend toward a "cashless" society and the explosion of
credit card use in emerging economies. We gave the stock our
strongest 5-star rating. At the time, we wrote:
Sure enough, the catalysts we identified propelled the stock
up the charts... and resulted in a tidy +178% winner in our
Central European Distribution was another big winner for us.
Not many people have heard of this Polish liquor, beer and
wine maker. But it doesn't matter. The profits spend the
same. And what profits they were.
In this case, we identified the catalysts of an expanding
sales footprint, weak competition that would pose no threat
to growth, and Poland's entry to the broader E.U. market.
Fast forward: Just as we predicted, Central Europe is
StreetAuthority Market Advisor readers had an
opportunity to book returns of +270% from our initial
All three of these
stocks earned our very highest Catalyst Rating when they
were originally recommended -- 5 Stars! These are the kind of
results you can expect from our 5-Star Catalyst Stocks.
And that's a good thing because...
I'm About to Reveal Our Newest 5-Star, Stocks to YOU...
You How to Get the Details Absolutely FREE!)
By now, you understand
just how powerful and important catalysts are. With a series
of catalysts driving a stock, shares can soar.
And that's exactly what I expect to happen for the stocks
I'm about to reveal. I'm not talking about five or 10 years
from today, either...
I mean now!
My research team and I have painstakingly scoured the market
to identify these stocks. We have sifted through thousands
of securities, rejecting almost all of them... and leaving
We call these The World's Greatest Catalyst Stocks and of
course, each one has earned a coveted 5-Star rating. At a
minimum, I expect these stocks to double.
I would like to give you our full report -- absolutely free.
But first, let me show you just what you can expect...
Greatest Catalyst Stock #1
I have no idea which companies are going to win the
cell phone and carrier wars. And I prefer not to
guess. If there are 10 different lemonade stands,
I'll invest in the lemon supplier.
And that describes this company perfectly. It
operates the critical infrastructure to support
wireless communications networks. In fact, this
company controls 27,000 network towers around the
world. And with the explosion in the number of smart
phones, iPads and other wireless devices, their
services are in high demand.
The upcoming rollout of WiMax and 4G wireless
networks will be a major catalyst for this company.
And they're also expanding rapidly via acquisitions
in emerging markets -- especially India, where there
are expected to be one BILLION wireless customers in
The company's towers provide it with contractually
guaranteed income and built-in price escalation
charges -- an important defense against inflation.
And they entered this year with a revenue backlog of
$9 billion. That's quite a head start and proves
there is no recession in this sector!
Catalyst Stock #2
This company is one of the leaders in the $80
billion generic drug market. And what a HUGE market
this is about to be. Health care reform alone could
add 30 million new patients to the prescription drug
market. And with an aging population, continued
growth is ensured for years to come!
With more and more medicines coming off patent,
experts believe the generic drug market could
surpass $150 billion in the next five years! The
company is also about to benefit from $60 billion
dollars worth of branded biotech drugs that will
lose patent protection in the next five years.
With more than 409 different medicines in their
portfolio, this company is more than double the size
of their nearest rival. They also control double the
U.S. market share of their nearest rival. And they
continue to make acquisitions to expand their
product lines and widen their geographical
Catalyst Stock #3
This relatively unknown company makes sophisticated
computer chips. And they are directly in line to
benefit from two MAJOR catalysts. The first is the
huge wave of new smart phones, portable media
players, and even low-end cell phones that are
popular in emerging markets. This company makes
chips for all of them -- including the ubiquitous
But they are also one of the leading suppliers for
the components used in the coming wave of "smart"
utility meters. Experts believe 150 million of these
will be installed in the next five years -- leading
to $2 billion in annual chip sales that don't exist
today. This company is right in the thick of things
as an emerging leader in this new field!
Even in the grip of a deep recession, sales, profits
and cash flows recently set new
company records -- a clear sign of strength and
Catalyst Stock #4
This company is one of the leaders in the payroll
processing, document administration and
record-keeping industry. And with unemployment
levels near their highest in many years, you
wouldn't think they would be thriving. But that's
exactly what's happening as more and more companies
outsource these time-consuming functions.
While the CEO summed up the current business climate
as "one of the most challenging" in the company's
history, they still managed to post profits of $533
million and maintain operating margins near 40% last
year. If a company can do that under the worst-case
scenario, you know it's built to last!
The company is also expected to benefit greatly from
rising interest rates. Just like Berkshire Hathaway
is free to invest their insurance float, this gets
to invest the money it collects from employers
before it is paid out to employees on payday. As
rates rise, the interest this company earns could
It's hard to even calculate the value of this report
-- The World's Greatest Catalyst Stocks. After all,
these companies could potentially multiply your
investment dollars several times over.
I can tell you that we have sold reports just like
this for more than $250 each before.
But Don't Take it From Me...
Here's what a Few of Our
Subscribers Have to Say about the Money
If all I had to send you when you sign up for
Advisor is the report featuring our four newest
5-Star Catalyst Stocks, it would still be a
But that's not nearly all you will receive when you
choose to subscribe...
I've also Prepared Four More Urgent Opportunity
Reports Especially For You...
And They Are All
The markets can be tough these days. But there are
some unbelievably safe and profitable stocks to buy
-- if you know where to look.
To help you take advantage of several opportunities
we see in the market, my research staff and I have
prepared four additional reports for you, including:
Profit from the Eco-Revolution
There are not going to be any winners when
it comes to the oil spill in the Gulf. What
we are witnessing is a catastrophe. And we
won't know the full effects for years to
come. But there is one thing we do know...
this will be a MAJOR tipping point toward
cleaner, renewable sources of power.
And we're going to need a LOT more power. It
has been estimated that the world's
population will reach nine billion within
the next few decades. That will cause energy
consumption to double -- at least! In this
report, we reveal one investment that
provides exposure to companies leveraged to
the wind power industry. We also show you a
way to buy more than two dozen
alternative-energy companies with just two
Metals: The Safe Haven Triple Play
With the printing presses running overtime,
a weaker dollar and runaway inflation are
almost certainly on the horizon. And unless
you have been vacationing on a desert island
recently, you know the price of gold just
set a new all-time record and silver is near
new highs. With countries threatening
default on debt, trillion dollar bailouts,
and geopolitical tensions running hot, you
can be sure there are more gains to come in
precious metals. In this report we share
three of our favorite ways to get exposure
to gold, silver and platinum.
World's Greatest Catalyst Stocks - What the
Market's Biggest Winners Have in Common
In this report, I tell you about some of the
strongest catalysts in the market today.
You'll also learn how we identify the
hottest catalyst stocks. We reveal our most
important tips. Oh yeah... and we'll also
share three new catalyst-driven stocks you
can buy today! ($99 Value)
New Subscriber Bonus:
to Triple-Digit Gains
Triple-digit gains don't grow on trees, but
they're out there. I count 2,182 stocks and
ADRs that delivered gains of +100% or more
in 2009. And while that was during a runaway
bull market, there were nearly 200 stocks
that doubled during the great bear selloff
For this report, I collaborated with my
colleague Andy Obermueller, an insatiable
researcher who reads more in a day than some
do in a year. That's how he uncovers game
changing companies that even the "smart
money" is unaware of -- including the +290%
profit he recently closed in just 60 days on
an oil exploration company!
This report features three emerging
technology companies that have the potential
to put triple digit returns in your
portfolio faster than you can say
"catalyst". In fact, one of them, benefits
from one of the biggest catalysts of all...
the global shortage of fresh water! ($99 Value)
Given the value of the recommendations in these
reports and the depth of the research, we could
easily charge the full value for this information.
And that would be a bargain, considering what you
could make in the coming months and years.
But we're not going to charge $400 for these
reports. We're not even charging $250.
You'll be able to get every single one of them --
ABSOLUTELY FREE -- as a subscriber to StreetAuthority Market
Advisor. And you will receive them instantly... no
I'm sure you're wondering how much your membership
Are you ready for this?
Here is the Greatest Catalyst of All for Your
StreetAuthority Market Advisor is Yours for Only
I want you to incorporate catalyst investing into
your portfolio. And there are a few ways you could
go about it.
If you have the money and you can get him to take
it, you could try to get Seth Klarman to manage your money.
However, we all know how unlikely this is.
Of course, even then you would have still have to pay
"2 and 20" for the
privilege. That's 2% off the top... and 20% of the
profits... EVERY YEAR!
Or you could pay me $1.
That's right. Just $1.
That is how confident I am in my groundbreaking,
Market Advisor newsletter. I don't want price to be
the barrier that stands between you and your justly
deserved Wall Street rewards.
So here's the deal...
When you sign up for
MarketAdvisor between now
and May 31st at 11:59 PM EST, you'll be able
to try Market Advisor for 30-days trial for
This is Not a
Provisional Trial Where Certain Privileges Are Off
You Get Everything
Everything we have to offer is
StreetAuthority Market Advisor Newsletter
-- Each issue of Market Advisor is loaded
with heavily-researched stocks, educational
articles and in-depth industry analysis.
Everything will be written in clear and
concise language and crafted so you can
easily implement the new ideas in your
portfolio. You'll receive the issue in your
email inbox as soon as it is released.
Market Advisor Update -- Between each
issue, we summarize the market's activity
and tell you how it affects your holdings.
In a choppy market, this mid-month update is
a great way to find out about new
opportunities that pop up unpredictably.
-- On top of your monthly
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