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All right, today we are talking about the AJERO formula. And weamp;#39;re doing this for a very, very simple reason. It was requested in my comments and a couple of different emails for me to break it down even more in one clip and make it so that even a fourth grader could understand exactly what Iamp;#39;m talking about. And thatamp;#39;s exactly what weamp;#39;re doing. So if you have late payments, collections, foreclosures, repossessions, bankruptcies, judgments, tax liens, or anything else that you could possibly have have on there, like short sales or whatever, then this simple formula can be used to potentially remove that account. And I say potentially, because in this industry, thereamp;#39;s nothing thatamp;#39;s guaranteed and if anybody tells you otherwise, when it comes to forcing the Bureauamp;#39;s or the creditors or collectors to do anything, and itamp;#39;s 300% BS I call BS. Alright, so the reason that weamp;#39;re doing this right now is because I have a c