Thanks for sharing the article Monique. Obesity and more body fat can make people weak and accustomed to several diseases. Diet is the single most important thing when losing weight along with regular exercise and sipping green tea. Love the idea about self-monitoring though. This is something many people totally ignore. Stuffing down whatever is served on the plate is an unhealthy way of eating. While losing weight people should make sure they are receiving enough nutrition.
A University of Vermont study found that online weight-loss buddies help you keep the weight off. The researchers followed volunteers for 18 months. Those assigned to an Internet-based weight maintenance program sustained their weight loss better than those who met face-to-face in a support group. These are 50 easy ways to lose weight without a lick of exercise.
“It can take 12 minutes or longer for the signal that you’ve started to eat to make its way to your brain,” says Mark S. Gold, M.D., of the McKnight Brain Institute at the University of Florida. Quick tips: Sip some water between every bite of food you eat, or at least eat more meals with friends or family members. You’ll be more likely to talk and therefore to eat more slowly.
About: The Failed Dieter is a newly-launched website from Jessica, who formerly was the owner of Jessica’s World, a personal blog she used to chronicle her weight loss journey. Now, her blog has morphed into so much more — a place where Jessica gives tips and recipes for stopping yo-yo dieting, and choosing to live healthy. Jessica lost 50 pounds making small lifestyle changes and giving up bad habits. Now her mission is to help you do the same.
Potassium, magnesium, and calcium can help to serve as a counter-balance for sodium. Foods that are rich in potassium include leafy greens, most "orange" foods (oranges, sweet potatoes, carrots, melon) bananas, tomatoes, and cruciferous veggies — especially cauliflower. Low-fat dairy, plus nuts, and seeds can also help give you a bloat-busting boost. They've also been linked to a whole host of additional health benefits, such as lowering blood pressure, controlling blood sugar, and reducing risk of chronic disease overall.
I started listening to my body. It was really easy for me to mindlessly eat food in front of me, even if I wasn’t hungry. I noticed my body also did this thing where it would feel like I was hungry ten minutes after I finished a meal, which I would then need to tell myself I actually wasn’t hungry yet. As your body changes, you will notice that your appetite might have changed and you don’t need to eat as much before feeling full.

About: Lindsey’s real. That’s it. Her blog, her writing style, her topics...they’re from a real person who shares her real experiences in a way that’s anything but dull. Lindsey’s posts are always chock full of photos to tell the story better, and range from fitness, to eating, to life lessons and more. Lindsey started her blog as a way to maintain a healthy, active lifestyle while remaining full and happy, but it has over the years morphed into a funny mashup of recipes, reviews, travel, pets and healthy living. (Be sure to check out her “best of” section — which includes titles of posts like “The Time I Almost Got Arrested.” You can figure it out from there).
Quite the name for a fitness blog, right? There are always some transformations happening in the world of healthcare. These forces are re-shaping the industry as it is with every passing day, and this is why all innovative ecosystems are needed in order to keep up with the ever changing models which will shape the new tomorrow. This site is your personal Health and Weight Loss Coach. It is founded by a team of personal coaches which have at a certain point in their lives fought with weight issues, and ultimately beat them. These people tried their best in order to make a change for themselves, and they succeeded in it! This is why now they are here for you, so that you will not have to be alone on this journey. They will provide you with all the information you need and finally, will motivate you so that you can stay on the right track and create a healthier lifestyle for yourself!
Consider them “good carbs”. Their bulk takes up space in your stomach, helping you feel full and eat less. The top fiber food: beans, which contain 8g per 1/2 cup. Research shows that guys who added 12g of fiber a day to their diet lost a quarter of an inch from their love handles, without otherwise modifying their diet. Here are some of the best sources.
Eat polyunsaturated fats. While saturated fat leads to the body's retention of visceral fat, causing abdominal girth and excessive weight gain, studies have shown that a diet high in polyunsaturated fat helps promote the production of muscle mass instead of body fat.[7] Polyunsaturated fats can also help reduce cholesterol levels in the body, lowering the risk of stroke and heart disease.[8] Sources of polyunsaturated fats include:[9]
Spending more time in the kitchen can help you shed belly fat, as long as you’re cooking with the right foods, according to one 2017 study. After analyzing data from more than 11,000 men and women, UK researchers found that people who ate more than five homemade meals per week were 28 percent less likely to have a high body mass index, and 24 percent less likely to carry too much body fat than those whole only downed three meals at home.
I am going to be 60 on Feb. 5th. I didn’t have a weight problem when I was young. I am 5’9″ and weigh 196 right now. I am build med. to large boned. I have lost some weight in the past, 15 to 20 lbs. But I go back to my normal eating always and feel so angry at myself. I eat when I am board or angry or stressed. I also have a fit husband and he is my food police, (not my idea). I have depression and really have a hard time in the winter. I have no energy to do anything. I have started to lose weight and do some excercise but always stop. I feel like a failure most of the time.

Between his hilarious poetry, inspiring post-it notes, and top ten lists that make Letterman sound unoriginal, reading Jack Sh*T, Gettin' Fit can feel more like your daily dose of comedy than weight-loss advice. Of course you get that too, you're just laughing so hard you don't realize how good it is for you. Check out his post When Harry Met Salad to see what I mean.

I can completely relate to your struggles with weight. At times, I almost felt like I was reading my own story. Take out the college dorm stuff and throw in 2 jobs, one of them at a gym, and add a baby and I’d say our stories are pretty similar. My husband is deployed now, and I started running (did my first 5K 10 days ago). I’m down a solid 15 lbs in 2 months… and I haven’t even been strict with my “diet”. Keep running, girl! You can do it! 🙂

The popular "flat belly diets"embrace much of the wisdom found in eating a Mediterranean diet, which helps everything from brain health to hearth health. The basic premise for both diets is eat foods rich in monosaturated fatty acids (MUFA) that may help reduce your belly fat storage. MUFA-rich foods include olive oil, nuts and seeds, avocodos, and fish. Eating yogurt regularly has also been found to be helpful in reducing belly fat.

The scale is not necessarily your friend. You may want to lose fat – but the scale measures muscles, bone and internal organs as well. Gaining muscle is a good thing. Thus weight or BMI are imperfect ways to measure your progress. This is especially true if you’re just coming off a long period of semi-starvation (calorie counting), as your body may want to restore lost muscles etc. Starting weight training and gaining muscle can also hide your fat loss.
Erika Nicole Kendall’s ongoing weight loss journey is beautifully chronicled on her blog, Black Girls Guide To Weight Loss, or BGG2WL, for short. Her weight loss transformation began unexpectedly after signing up for a gym membership from some persuading from her mother. But after losing over 170 pounds, Kendall became a Certified Personal Trainer and Nutrition Specialist and writes about food, fitness, body image, and beauty on her blog.
About: Bailey is a grad student studying to get her degree to become a registered dietitian. As she goes, she’s working to establish herself as a go-to source for people online to learn how to create SMART goals, learn about food traps, get fitness tips and more – and it’s totally working. Bailey intermixes her professional posts with a bit of her own musings, making for a very personalized experience that combines getting to know the author with getting to know yourself, and how to achieve your goals.
Tapsell, L. C., Dunning, A., Warensjo, E., Lyons-Wall, P., & Dehlsen, K. (2014). Effects of vegetable consumption on weight loss: A review of the evidence with implications for design of randomized controlled trials [Abstract]. Critical Reviews in Food Science and Nutrition, 54(12), 1529–1538. Retrieved from https://www.ncbi.nlm.nih.gov/pubmed/24580555
About: Brand new to the blogging world, Ayla’s story is a familiar one. She started out her journey at about 200 pounds and tried tons of different things to lose weight — pills, dieting, the gym, you name it — none of which seemed to work. Finally, Ayla gave it one last go using Insanity workouts and overhauling her diet, and, what do you know, it worked. Ayla lost 63 pounds, and now dedicates her time and energy to sharing tips and tricks that worked for her with others. Her blog has easy-to-follow, quick-hit guides and ideas for losing weight quickly and effectively.
High blood sugar levels coupled with high blood ketones, on the other hand, will mean that you have a pathologically low level of insulin – something non-diabetics do not suffer from. This can lead to ketoacidosis – a potentially life-threatening condition. If this happens, you’ll need to inject more insulin; if you’re at all unsure of what to do, contact a medical professional. Coveting really high blood ketones for weight control is not worth the risk for type 1 diabetics.
14 ways to lose weight without diet or exercise Strict diets can be challenging to follow, and people may not always have the time or ability to exercise. However, a variety of simple lifestyle changes can help people lose weight and improve their health. These include taking probiotics, getting enough sleep, and thoroughly chewing food. Learn more here. Read now
About Blog Red Mountain Weight Loss is the leader in Medical Weight Loss, providing expert care under the direction of our Bariatric Physicians. Recently revealed the newest revolution in the weight loss by red mountain weight loss, healthy lifestyle than ever before with medical weight loss in phoenix Health experts offer their service and daytime talk show.
That’s because it theoretically causes a mild ketosis (yep, the basis of the keto diet), which is a fat-burning state that should make you feel less hungry. The key in being successful with a low-carb diet (especially if you’re used to a more high-carb lifestyle) is to compensate for those lost carbs with protein-rich foods, says Dr. Cheskin. That way, your volume of food stays the same, but you’re doing it healthfully rather than in a way that exacerbates your weight gain.
Listen up: Skipping meals will not make you lose weight faster. If a hectic day makes a sit-down meal impossible, stash an energy bar or a piece of fruit in your car or tote, keep snacks in your office desk drawer, and make a point of getting up to grab a nosh — anything that will keep you from going hungry! Going long periods of time without food does double-duty harm on our healthy eating efforts by both slowing down your metabolism, and priming you for another binge later in the day. (Think: You've skipped breakfast and lunch, so you're ready to takedown a whole turkey by dinner!) Make it your mission to eat three meals and two snacks every day, and don't wait longer than three to four hours without eating. Set a "snack alarm" on your phone if needed.
Her name is Carla and she has been a professional blogger since 2001. In order to make a better access to those who do not have a one on one training lessons, she has launched this site. For that, she has been recognized by plenty of publications from various magazines, journals and sites. She is the unapologetic version of herself, and it is a hell of a version! She has after that, been been included in all sorts of motivational videos, as well as those she herself had made, was voted to become Austin’s Fittest Mom in the year of 2011, and is considered to be one of the most influential women in the world of wellness and fitness. With this page, she is expanding her brand and trying something new, that would benefit those who are seeking an assistance. This woman is inviting you to join her as she copes with life, health, fitness and trying to live each day on her own terms only.
After losing 40 pounds, certified personal trainer Gina Harney was on the hunt for guides on weight maintenance. But at the time, her options were limited. So she started The Fitnessista, which is focused on fitness advice and healthy recipes that only sound indulgent (think: pecan pie oatmeal, pumpkin pie protein smoothie bowl, and chocolate protein donuts).

For even more impressive effects on body composition: aim for exercise forms which elicit a positive hormonal response. This means lifting really heavy things (strength training), or interval training. Such exercise increases levels of the sex hormone testosterone (primarily in men) as well as growth hormone. Not only do greater levels of these hormones increase your muscle mass, but they also decrease your visceral fat (belly fat) in the long term.

“While kombucha is wonderful due to its containment of various probiotic strains, many commercial kombuchas are loaded with sugar,” says Auslander Moreno. “Moreover, consumers don’t read serving sizes close enough and what’s depicted on the label can be 2-3 servings within the whole bottle, and sugar content all of a sudden is tripled.” These are the 50 things doctors wish you knew about losing weight.
Julie is a Weight Watchers leader & ambassador, breast cancer survivor, and healthy lifestyle blogger for The Weight Of My Weight. Her blog documents her weight loss journey that begins at 212 pounds, losing 52 pounds, and all the fluctuations that happen in between. Her ultimate goal is to be healthy, maintain her weight and hopefully inspire others to do the same. She shares healthy recipes and weight loss tips to finding balance throughout your journey.
The above exceptions may work for some overweight people. But both in my practice as a psychologist and from personal experience I can attest to the fact that such exceptions can be disastrous. There is increasing evidence of an addictive component to overeating, especially when it comes to sugar and refined grains such as those in pasta and bread products. For many people, suggesting that an occasional indulgence is OK is tantamount to telling an alcoholic s/he can have an occasional beer. Its much easier not to start than to stop. After a few months of eliminating sugar and flour from one’s diet, those “occasional treats” will seem unhealthy and the high likelihood that eating them will trigger a cascade of further unwanted cravings will serve as ample deterrent to indulging in them. I have stayed off those “treats” for over 8 years, eating ample amounts of fruits, nuts, raw and cooked veggies, beans, fish, chicken and small amounts of cheese, oatmeal and brown rice and I have never enjoyed food as much as I do now
I currently track macronutrients (macros) to monitor my daily food intake which means that I try to stick to a set amount of carbs, fat and protein each day. I have been eating around 1600-1700 calories, 180g carbs, 50g fat, 150g protein and I aim to burn 500+ calories a day – meaning that I’m in a calorie deficit. My exercise routine is based on 5 weight training sessions per week, daily walks to reach my steps and 3-4 short cardio sessions a week (e.g. 15-20 minutes of interval sprints on treadmill 30 seconds sprint 30 second rest at the side). Find out more about macros including how to set your own by clicking here.
Jennifer, I am a little different than you. I have always been a big girl and right now, I am near 200 pounds. I am about 5’3 and I’ve always had trouble losing weight. I’m actually very athletic. I love to play sports and I’m good at them, but I hate running. I also splurge a lot. it’s a bad habit of mine to snack when I’m bored. I’m a recent college student and eating healthy is difficult, not to mention exercise. since I live on the fourth floor, I try to take the stairs only. I’m pretty good about that. I have a slow metabolism and I have no sense of calorie counting. I’m desperate for help, but I need to concentrate on my studies. what advice can you give me?
Very low levels of thyroid hormone usually indicate an autoimmune reaction to the thyroid gland itself. This means you’ll have to take thyroid hormone supplements orally, usually the stable form T4 (Levaxin), which your doctor can prescribe for you. Your body will transform this into the active T3 hormone when necessary. The supplement dose should be adjusted so that you reach normal hormone levels (TSH, T3, T4) and sufficiently alleviate symptoms – though a few people feel best when keeping TSH slightly below normal.
About: Tiffany’s blogging officially started in 2009, but it was kind of an off-and-on thing until 2013. Then, Tiffany really amped up her blogging efforts, much to the thrill of her followers. Tiffany’s blog is packed with healthy recipes, weight loss challenges and tips on how to find happiness — all from a girl who is extraordinarily relatable and “loves cheesy dance workout videos, dark chocolate, watching movies, with her husband, and riding my beach cruiser around the neighborhood like a kid.” Enough said.
Very low levels of thyroid hormone usually indicate an autoimmune reaction to the thyroid gland itself. This means you’ll have to take thyroid hormone supplements orally, usually the stable form T4 (Levaxin), which your doctor can prescribe for you. Your body will transform this into the active T3 hormone when necessary. The supplement dose should be adjusted so that you reach normal hormone levels (TSH, T3, T4) and sufficiently alleviate symptoms – though a few people feel best when keeping TSH slightly below normal.

Skimp on fluids, and your body will release an antidiuretic hormone that leads to water retention that could affect the scale, Dr. Setlzer says. While this sneaky effect is one reason why the scale is a poor measure of body mass loss, you can outsmart it by drinking more—particularly if you fill your glass with water or non-calorie alternatives like unsweetened coffee and tea.
In a way, moderate-intensity physical activity is that "magic pill" a lot of people are looking for, because the health benefits go beyond keeping your waistline trim: Not only can it reduce your risk of cancer, stroke, diabetes and heart attacks, but studies have shown that physical activity can significantly improve the moods of patients with major depressive disorders.
What happens if you fast for a day? What happens if you don't eat for a day? While most people will feel hungry and possibly tired, there is also a range of other effects. In this article, learn about how the body starts to burn fat for energy and whether fasting for 24 hours can be a good weight loss tool. We also investigate the possible risks. Read now
“For some people, it’s knowing, ‘Typically I eat a whole sandwich,’” says Gagliardi. “‘Now, I’m going to make the decision to eat half a sandwich at lunch and save the other half for my dinner and essentially cut my calories in half. And they feel good about that. They’re not having to do math.” To get started, check out these 25 simple ways to cut 500 calories a day.
That’s because it theoretically causes a mild ketosis (yep, the basis of the keto diet), which is a fat-burning state that should make you feel less hungry. The key in being successful with a low-carb diet (especially if you’re used to a more high-carb lifestyle) is to compensate for those lost carbs with protein-rich foods, says Dr. Cheskin. That way, your volume of food stays the same, but you’re doing it healthfully rather than in a way that exacerbates your weight gain.
“The brain is an unbelievable powerful tool of intelligence, but the problem with our brains is they deceive us into thinking that we are rational, logical and consistent and that we remember things correctly. Nothing could be further from the truth. I still don’t see all my biases. … we are really are a very flawed form of intelligence – as awesome as we are. We need to start figuring out how to improve humans at the rate we are improving our digital tools so we can evolve together.”  Bryan Johnson, founder and CEO neurotech company Kernel. (Kernel develops brain interfaces that record the activity of neurons through a tiny grids of electrodes.)
No matter how or what you eat, weight loss boils down to a calorie deficit.  After using calorie counting to successfully lose 35 lbs in 2008, I still struggled with gaining and re-losing those last 10 lbs in the years that followed.  It took me a while, but I eventually figured out that calorie restriction (at least the way I had been doing it) was not working in the long term.  I don’t regret counting calories for weight loss, it was how I first began to truly understand how and what we eat effects our weight.  Lifestyle and habit change kept the majority of my lost pounds off for good, but I would always have to resort to cutting calories and limiting my food intake to re-lose a pesky 10 pounds, only to have it inevitably backfire – I would struggle with insatiable hunger, overeating, constantly thinking about food and my next meal, and then slowly but surely would gain those 10 lbs back.  This was not how I wanted to live and I knew something had to give.
I currently track macronutrients (macros) to monitor my daily food intake which means that I try to stick to a set amount of carbs, fat and protein each day. I have been eating around 1600-1700 calories, 180g carbs, 50g fat, 150g protein and I aim to burn 500+ calories a day – meaning that I’m in a calorie deficit. My exercise routine is based on 5 weight training sessions per week, daily walks to reach my steps and 3-4 short cardio sessions a week (e.g. 15-20 minutes of interval sprints on treadmill 30 seconds sprint 30 second rest at the side). Find out more about macros including how to set your own by clicking here.
The internal and external obliques, which I like to call "nature's girdle," are located at the sides of the rectus abdominis. They are the muscles you use when you bend sideways at the spine or twist at the waist. They also contract to compress the abdomen, so you should work them just as hard as you work the rectus abdominis. Adding a twist to crunches works, as well as dumbbell side bends, but be careful not to use any jerky motions, especially if you've had back problems.
Soon after the ski trip, I left my desk job to pursue graduate school and took a part-time job working at the front desk of an upscale health club. One of the perks was a free membership, which was the motivation I needed to take control of my weight. I started exercising at the health club most mornings, taking Body Pump and spinning classes on a regular basis. Finding workout buddies helped too. I made some new friends who were avid runners and I began training for and participating in road races with them.
I know what you mean bout struggling through weight loss/gain. My Husband is super skinny and my step-daughter is thin too and they don’t understand the issues of weight. For me, weight can come on pretty quick. I will always be one of those people that has to watch there weight, I just can’t eat anything and not gain weight. It’s a struggle. I drive my family crazy sometimes, when we go out I say no, can’t eat that, thats to fattening, no thanks I don’t need fries, ect… and than I have my Husband who says your fine, enjoy it, eat it. Than I do than I feel horribly guilty. Sometimes we have to know to let go that we are not all perfect. The main reason I started my blog was for support. If I opened up and put it out there, than I feel accountable for my actions and I wanted people to know they aren’t alone. Thanks for leaving a comment, today I was actually feeling kind of bad, but you made me feel better. Take care of yourself and please feel free to stop by anytime. – Jennifer
Wow! Thank you so much for sharing your story…I would have never guessed you had dealt with such a thing. I”m in the process of losing over 75 lbs gained due to anxiety medicine. I too just woke up and had an epiphany that the medicine had turned me into someone I was not and I had to get off of it especially before having children. It’s definitely been a struggle, but I’ve seen the commercials on tv too and do not want to chance affecting my future children in any way and I want to be a better version of myself. For me personally, exercise, eating better, and therapy have worked to reduce my anxiety and panic attacks enough to stay off medicine.
#5 – Read Labels!  If you choose processed foods to eat, read your labels, not everything is bad for you, but some stuff is.  I look at the calories, serving size, carbs, protein, fiber and sugar.  If it’s low on protein and fiber, I don’t get it.  If it’s high in fat and sodium I put it right back onto the shelf.  Be a smart consumer and read those labels.  If you can’t pronounce and ingrediant, it’s probably not good for you.  Don’t buy something because the package says low fat or no sugar added, that  doesn’t mean crap!  Sugar Alcohol is still sugar!!!   Not to mention if it’s low in fat, it’s high somewhere else, they need to add something to perserve and add flavor.
Italiano: Perdere Peso, Español: bajar de peso, Deutsch: Abnehmen, Português: Perder Peso, Nederlands: Afvallen, Français: perdre du poids, Русский: сбросить вес, 中文: 减肥, Čeština: Jak zhubnout, Bahasa Indonesia: Menurunkan Berat Badan, 日本語: ダイエット, ไทย: ลดน้ำหนัก, Tiếng Việt: Giảm Cân, हिन्दी: वज़न कम करें (kaise vajan kam kare), 한국어: 체중 감량하는 법, Türkçe: Nasıl Kilo Verilir
Instead of piling everything on one plate, bring food to the table in individual courses. For the first two courses, bring out soup or veggies such as a green salad or the most filling fruits and vegetables. By the time you get to the more calorie-dense foods, like meat and dessert, you’ll be eating less or may already be full. Nothing wrong with leftovers!
The Full Plate Living is actually a project made by a group of people who have decided that it is time to help other people help themselves. It quickly became a non-profit organization, with one simple mission – to educate, encourage, inspire and give support to anyone who desired to improve their lifestyle. So, if you are seeking a sustainable and positive approach to weight loss, you have definitely come to the right place. Note that they will teach you that living a healthy lifestyle does not always mean that you have to despise the foods in your plate, or starve yourself, or even spend too much time in the gym. The philosophy is that the transition to being a healthier self will come only with a slow and practical, and most of all straightforward steps. This team will make it so easy for you to lead a healthier life, once you’ll start and see the results, you will never want to go back to the past.
Every time you complete 10 reps on the rowing machine, lift the handles straight up over your head—without bending your elbows—for two consecutive repetitions before returning to normal rowing form. This works your shoulders and back harder, as well as your legs, since they have to produce more power to give you the momentum to perform the move, says McGarr.
Sorry, I should have read those articles on carbohydrate in full first before I got on my soap box. They’re inaccurate too. In 2015 the Scientific Advisory Committee on Nutrition (SACN), advisors to the UK government, did a meta-analysis of all the best research and found none of the effects on health, i.e. heart disease, cancer and diabetes, reported by small scale studies and the likes of Robert Lustig. Link: https://www.gov.uk/government/publications/sacn-carbohydrates-and-health-report
 “Mindfulness is like a microscope; it is neither an offensive nor a defensive weapon in relation to the germ we observe through it.  The function of the microscope is just to clearly present what is there.”   Whereas…”Awareness is seeing the discovery of mindfulness.” Chogyam Trungpa’s, The Myth of Freedom on Mindfulness and Awareness, page 49 provides a deeper understanding of the relationship between Mindfulness and Awareness.
Well as of today, I have been exactly two weeks with not counting calories. I am taking a new approach to things, I am listening to my stomach!  Yes listening to my stomach!  It was hard the first week, and I did cheat a little, but I managed not to gain weight, kept up on exercise and ate mostly healthy.  I feel free!  It’s nice not to have to calculate every meal, every bite!  I know if I eat a piece of cake I won’t gain 10lbs over night!  Moderation is the key!  I now have the all around perfect healthy life style.  You’ll just have to stay tuned to my blog to make sure I stay on the right path!
When Addison was not even one year old, I saw this commercial one day. I still remember it like it was yesterday. She was taking a nap and it came on the television. It was about this anxiety medicine that had begun to be linked to so many birth defects. It was a commercial for a law firm asking you to call this number if you had taken the medicine and gave birth to a child with a defect. I was in shock. It was the medicine that I had literally gotten off of two months before Addison was conceived. I cried and cried at the thought of what could’ve happened to Addie had I not “woken up” that day in January 2007.
If you want to lose weight, you’d better avoid special “low-carb” products that are full of carbs. This should be obvious, but creative marketers are doing all they can to fool you (and get your money). They will tell you that you can eat cookies, pasta, ice cream, bread and plenty of chocolate on a low-carb diet, as long as you buy their brand. They’re full of carbohydrates. Don’t be fooled.
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