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-   -   Its not just moser/pwcc...more trimmers exposed (http://www.net54baseball.com/showthread.php?t=269400)

Republicaninmass 05-29-2019 04:45 AM

Quote:

Originally Posted by swarmee (Post 1882112)
The Blowout guys are saying that your site's PWCC card back scans have also been deleted, however back scans from other sellers are still visible. Is this true? Is this another poorly timed glitch or were you asked by eBay or PWCC to remove those images?

https://www.blowoutforums.com/showth...290614&page=87



Now you see why everything looks like a conspiracy?

If this is true, you think a minimum 7% of members could file a dispute on their credit card?

Sent from my SM-N950U using Tapatalk

bnorth 05-29-2019 04:51 AM

Quote:

Originally Posted by Republicaninmass (Post 1882106)
Let's start with honoring their guaranty, more to follow on that note

Sent from my SM-N950U using Tapatalk

Come on Ted what is the problem, you have been beating around the bush about this subject for quite some time. Is the problem with a altered card that the alteration was not disclosed or was you silly enough to buy a autograph they authenticated.

Republicaninmass 05-29-2019 05:00 AM

Quote:

Originally Posted by bnorth (Post 1882115)
Come on Ted what is the problem, you have been beating around the bush about this subject for quite some time. Is the problem with a altered card that the alteration was not disclosed or was you silly enough to buy a autograph they authenticated.

Lol, the latter. It was their response which bothered me most. Waiting for a final decision before crucifixion

Sent from my SM-N950U using Tapatalk

robkas68 05-29-2019 05:48 AM

What’s next
 
While my natural inclination is one of moderation, I have to admit it is pretty evident that we have a full-blown scandal. My question is how do we police ourselves going forward? Given that PSA and PWCC have roles in this scandal that fall somewhere between gross incompetence and indictment, it’s pretty clear they shouldn’t be writing the rules. Maybe it’s time that we form the trade association that polices itself and forms the rules of the road?

I think this scandal has shown that in the years since Mastro not much has changed. Even assuming that individuals in this scandal are brought to justice, if the controls in place do not change then we are just beginning the countdown to the next scandal.

Rob Kasenter

Peter_Spaeth 05-29-2019 06:15 AM

It's fine to talk about a trade association but who's going to do the actual work to put one together, draw up the charter, recruit collectors, convince dealers to join, get funding, etc.?

The other problem is we (not singling anyone out) as a group continue to do business with the bad actors, because we can't resist stuff, or money, or whatever. So there is effectively no private enforcement mechanism against bad behavior.

chalupacollects 05-29-2019 06:16 AM

Quote:

Originally Posted by vintagetoppsguy (Post 1882067)
I have asked multiple times for proof of this, but my requests have gone ignored. If it's been posted, then I simply overlooked it so please re-post.


Look for the Joe DiMaggio thread on Blowout. That implicates PWCC. Timelines and everything... There are several threads where BODA folks have been able to figure out who submitted cards, the timelines and when they were sold, some cases several times....As someone else has mentioned reading the threads will answer your questions...

Peter_Spaeth 05-29-2019 06:20 AM

Quote:

Originally Posted by chalupacollects (Post 1882127)
Look for the Joe DiMaggio thread on Blowout. That implicates PWCC. Timelines and everything... There are several threads where BODA folks have been able to figure out who submitted cards, the timelines and when they were sold, some cases several times....As someone else has mentioned reading the threads will answer your questions...

Yep. Forgive my venting but the tactic of refusing to read all the relevant threads and then expressing skepticism and demanding proof is getting really lame.

chalupacollects 05-29-2019 06:29 AM

Having said that, and in advance I want to commend corndog on BO on the time and effort he and others are putting into this. I have, however, to question this Gehrig card:
https://www.blowoutforums.com/showpo...postcount=2109

While there are many, many similarities between the two items pictured, I wonder how the white print dots appear on the "conserved" card, at the right top of his forehead, plus on the brim of the cap. Further, there appears to be a nick in the top of the card just left of center. These types of things would not be the types of things that a card doctor would add.

Not trying to defend anyone involved in this scam, but treat this as I need help understanding. [/QUOTE]

Actually there have been a couple of Blowout threads where the "surgeons" have added or enhanced a defect to throw people off the scent. These "surgeons" know what they are doing and are scary good at it...

bobbyw8469 05-29-2019 06:30 AM

It looks like the same card to me.....

Peter_Spaeth 05-29-2019 06:32 AM

Quote:

Originally Posted by bobbyw8469 (Post 1882132)
It looks like the same card to me.....

Between the centering and the corners it's clearly the same card IMO. Uh, I mean asset.

T206Collector 05-29-2019 06:34 AM

You down with SGC?
 
1 Attachment(s)
Quote:

Originally Posted by bnorth (Post 1882077)
I love SGC and use them for any PC card I am getting graded. That said it is like they want to fail. Everything but their quality of grading absolutely sucks.

They don't need to take on PSA, they just need to not suck at everything but grading. They have an unbelievable opportunity now that I hope they don't piss away. Maybe they hate money.:confused:

The SGC website home page still promises good things to come, but starts with a video about autograph authentication, which - as they say on the homepage as well - they stopped doing on April 1 after their autograph authentication business was obliterated by a forgery ring in Girard, OH. (PSA would be similarly wise to give up card grading until they come up with a better mouse trap.)

I used to love SGC, and had my entire first T206 set encapsulated by SGC. But all the folks that made SGC so great are now at REA. I have given up on them.

ullmandds 05-29-2019 06:36 AM

Quote:

Originally Posted by T206Collector (Post 1882134)
The SGC website home page still promises good things to come, but starts with a video about autograph authentication, which - as they say on the homepage as well - they stopped doing on April 1 after their autograph authentication took an absolute onslaught from a forgery ring in Girard, OH. (PSA would be similarly wise to give up card grading until they come up with a better mouse trap.)

I used to love SGC, and had my entire first T206 set encapsulated by SGC. But all the folks that made SGC so great are now at REA. I have given up on them.

Perhaps we can help make SGC GREAT AGAIN!!!!! MSGA!!!!!!!

chalupacollects 05-29-2019 06:38 AM

Quote:

Originally Posted by Peter_Spaeth (Post 1882128)
Yep. Forgive my venting but the tactic of refusing to read all the relevant threads and then expressing skepticism and demanding proof is getting really lame.

I agree...

Peter_Spaeth 05-29-2019 06:38 AM

Quote:

Originally Posted by T206Collector (Post 1882134)
The SGC website home page still promises good things to come, but starts with a video about autograph authentication, which - as they say on the homepage as well - they stopped doing on April 1 after their autograph authentication business was obliterated by a forgery ring in Girard, OH. (PSA would be similarly wise to give up card grading until they come up with a better mouse trap.)

I used to love SGC, and had my entire first T206 set encapsulated by SGC. But all the folks that made SGC so great are now at REA. I have given up on them.

I remember when you were their biggest fan, we used to have some discussions about that. Very interesting. Have their graders left as well or just administrative people?

chalupacollects 05-29-2019 06:40 AM

PSA card sales at National???
 
Gee I wonder how many folks will be buying PSA slabbed assets at the national now that this whole fraud thing is blowing up? Feel bad for the dealers that are spending thousands to set up and may not sell much....

calvindog 05-29-2019 06:41 AM

Quote:

Originally Posted by Peter_Spaeth (Post 1882128)
Yep. Forgive my venting but the tactic of refusing to read all the relevant threads and then expressing skepticism and demanding proof is getting really lame.

The hobby is filled with too many high IQ hard workers that it’s a wonder any fraud ever goes undetected.

robkas68 05-29-2019 06:41 AM

Dimaggio link?
 
Anybody have a link to the PWCC Dimaggio stuff on blowout?

Peter_Spaeth 05-29-2019 06:46 AM

Quote:

Originally Posted by robkas68 (Post 1882143)
Anybody have a link to the PWCC Dimaggio stuff on blowout?

Rob it was right here, maybe two years ago?

Here you are.
http://www.net54baseball.com/showthr...light=dimaggio

BobbyVCP 05-29-2019 08:38 AM

Quote:

Originally Posted by swarmee (Post 1882112)
The Blowout guys are saying that your site's PWCC card back scans have also been deleted, however back scans from other sellers are still visible. Is this true? Is this another poorly timed glitch or were you asked by eBay or PWCC to remove those images?
https://www.blowoutforums.com/showth...290614&page=87

Now you see why everything looks like a conspiracy?


Yeah sure I am removing scans of cards...are you crazy...first of all looking at every single one of those cards they have used in their proof. All images before alteration have come from Worthpoint or PWCC and after alteration from PWCC. Not one single link or image has been pointed towards VCP.

So tell me why would i be deleting images.

Peter_Spaeth 05-29-2019 08:41 AM

Sheesh.
https://www.blowoutforums.com/showpo...postcount=2162

HRBAKER 05-29-2019 09:07 AM

Quote:

Originally Posted by chalupacollects (Post 1882141)
Gee I wonder how many folks will be buying PSA slabbed assets at the national now that this whole fraud thing is blowing up? Feel bad for the dealers that are spending thousands to set up and may not sell much....

Not to worry, the band will play on.

swarmee 05-29-2019 09:13 AM

Quote:

Originally Posted by BobbyVCP (Post 1882191)
Yeah sure I am removing scans of cards...are you crazy...first of all looking at every single one of those cards they have used in their proof. All images before alteration have come from Worthpoint or PWCC and after alteration from PWCC. Not one single link or image has been pointed towards VCP.

So tell me why would i be deleting images.

I am not. They are claiming that the PWCC sales prior to 2015 have lost back scans.

HRBAKER 05-29-2019 09:20 AM

Quote:

Originally Posted by Peter_Spaeth (Post 1882126)
It's fine to talk about a trade association but who's going to do the actual work to put one together, draw up the charter, recruit collectors, convince dealers to join, get funding, etc.?

The other problem is we (not singling anyone out) as a group continue to do business with the bad actors, because we can't resist stuff, or money, or whatever. So there is effectively no private enforcement mechanism against bad behavior.

There's the key. Our inability to say no. This is what they rely and trade on. Not really much different than a junkie in a lot of ways. Yeah, ok, make a chump outta me but I got the card I "needed."
It's going to take more than keyboard indignation to effect any change.

Fuddjcal 05-29-2019 09:31 AM

Quote:

Originally Posted by ullmandds (Post 1881887)
Pretty f’in sad! Anyone who has allowed themselves to be in a position where there too scared/reliant on brents $$$ to exercise moral standards/do the right thing is shit on my shoe.

and that's being nice. I would love to bash Brent Mastro the crooks face in with a baseball bat. ZERO moral compass and ZERO integrity.

Aquarian Sports Cards 05-29-2019 09:41 AM

Quote:

Originally Posted by HRBAKER (Post 1882207)
There's the key. Our inability to say no. This is what they rely and trade on. Not really much different than a junkie in a lot of ways. Yeah, ok, make a chump outta me but I got the card I "needed."
It's going to take more than keyboard indignation to effect any change.

Might be easier to say "no" when you have doubts about the "stuff"

HRBAKER 05-29-2019 09:50 AM

Quote:

Originally Posted by Aquarian Sports Cards (Post 1882211)
Might be easier to say "no" when you have doubts about the "stuff"

Well you would think wouldn't you - the past would tell me not to look for much to change.

Peter_Spaeth 05-29-2019 09:54 AM

What I'm finding infuriating is not just the perpetrators but the people who continue to either defend them, downplay the situation, or look the other way.

There. I feel better. Well, not really.

bnorth 05-29-2019 09:55 AM

Quote:

Originally Posted by Aquarian Sports Cards (Post 1882211)
Might be easier to say "no" when you have doubts about the "stuff"

Unfortunately not true. Many people have said they do not care what has happened to the card as long as it is in the slab.:eek:

The PSA slab is magic don't you know. It increases the value and magically makes the card whatever the flip says it is.

Fuddjcal 05-29-2019 10:02 AM

Quote:

Originally Posted by BobbyVCP (Post 1882058)
Seems to me all the pitchforks and torches are headed to PWCC

He's the guy that is spinning cards in and out of the holders by having his buddies bidding HIGH HIGH HIGH on his cards or not and then trimming the S*** out of them soaking them spooning, stretching and dipping in chemicals. Then he turns them all in to PSA for them to grade and PSA is most likely giving him preferential treatment or taking money or completely incompetent, which is possible. AND THEY ARE making millions conserving cards. FOR a LONG LONG TIME. That's why Bobby.

Did Brent Mastro buy your site and shut it down or did Brent Mastro complain to E-BAY that Moser's E-bay Identity was compromised and then shut you down?

THAT's WHY. He's the RING leader, your advertiser. IMHO.
When you lie in bed with snakes, sometimes things like this happen.

I appreciate your site and used it to research my 52 Mantle purchase. Thank you. It was not PSA. I hope you are not out of business now? That does suck. Sorry.

Fuddjcal 05-29-2019 10:06 AM

Quote:

Originally Posted by BobbyVCP (Post 1882191)
Yeah sure I am removing scans of cards...are you crazy...first of all looking at every single one of those cards they have used in their proof. All images before alteration have come from Worthpoint or PWCC and after alteration from PWCC. Not one single link or image has been pointed towards VCP.

So tell me why would i be deleting images.

I don't think you would shut your business down like that, unless Brent Mastro bought you out.

Your site showed the backs BACK FROM 2015.

x2drich2000 05-29-2019 10:07 AM

Bobby, Just kind of thinking out loud since you own a platform that may be able to help collectors but does your software capture the cert number? If so, can you flag those certs that have been identified as being trimmed/enhanced/whatever else you want to call them? By doing so, that will flag those cards as being suspect and future buyers would know they might not be appropriately graded (at least until they are cracked out and resubmitted).

DJ

HRBAKER 05-29-2019 10:18 AM

Quote:

Originally Posted by Peter_Spaeth (Post 1882215)
What I'm finding infuriating is not just the perpetrators but the people who continue to either defend them, downplay the situation, or look the other way.

There. I feel better. Well, not really.

It's not that uncommon to find people's behavior/attitude fall in line with their self-interest is it counselor?

BobbyVCP 05-29-2019 10:18 AM

Quote:

Originally Posted by x2drich2000 (Post 1882221)
Bobby, Just kind of thinking out loud since you own a platform that may be able to help collectors but does your software capture the cert number? If so, can you flag those certs that have been identified as being trimmed/enhanced/whatever else you want to call them? By doing so, that will flag those cards as being suspect and future buyers would know they might not be appropriately graded (at least until they are cracked out and resubmitted).

DJ

No we do not have anything that captures the cert. And we do not use any type of facial recognition software in our system to implement something that could.

Peter_Spaeth 05-29-2019 10:19 AM

Quote:

Originally Posted by HRBAKER (Post 1882223)
It's not that uncommon to find people's behavior/attitude fall in line with their self-interest is it counselor?

Indeed not. The capacity to rationalize is pretty universal.

brad31 05-29-2019 10:21 AM

I find it difficult to understand after the write-up that states “This comes from a raw collection which we’ve had the pleasure of brokering pieces over the years” people are exonerating PWCC. This card was purchased by Moser. If that is the raw collection from which it came, PWCC had reason to believe it was altered and decided to have it graded anyway. Up until this one - I was open to the idea PWCC was consigned bad graded cards and unwittingly selling them.

The ire towards PWCC over PSA is this knowledge. PSA missed alterations and slabbed bad cards. However I do not think they were knowingly working with a card doctor to do so.

I hope someone with an altered card come forward and seeks restitution. PSA has their guarantee - I hope to see evidence they honor it on one or more of these cards unless PWCC does the right thing and refunds their customer. Either way if someone comes forward and is not made whole - then the attention will shift to PSA.

vintagetoppsguy 05-29-2019 10:25 AM

Quote:

Originally Posted by Peter_Spaeth (Post 1882215)
What I'm finding infuriating is not just the perpetrators but the people who continue to either defend them, downplay the situation, or look the other way.

There. I feel better. Well, not really.

LOL! You mean the same way you do with PSA? We've already determined that PSA is either complicit or incompetent. It's one of the two. Either way, why would you choose to continue to do business with them?

Why don't you lead the charge? Let's start an online petition - a new thread - and everyone that's willing to stand up and stop doing business with PWCC and PSA sign their name to the thread. Lead by example, Peter. Or is it too easy to point the finger at PWCC while turning a blind eye to PSA?

BobbyVCP 05-29-2019 10:28 AM

Quote:

Originally Posted by Fuddjcal (Post 1882219)
I don't think you would shut your business down like that, unless Brent Mastro bought you out.

Your site showed the backs BACK FROM 2015.

Again we did not remove any back images...for us to do something like that would be virtually impossible. If you look at images on our site there are cases where there are any where from 1 to 6,7,8 images of any given sale. And then they are in no particular order the first image is not always the front of the card, it could be the back of the card. There is no set consistency the way the images are loaded on the site, it is a direct pull for the auction houses and however they set their order.

I would like to see some examples of these missing images but no one has submitted a "Report a Problem" on VCP for me to look into the matter. Think I saw somewhere the seller Probstein was brought up and if that is the case he did not provide back images for years so there would not even be a back image to delete. Not all sellers provide back images. We can only pull what is there and not something out of thin air if it does not exist.

perezfan 05-29-2019 10:44 AM

Quote:

Originally Posted by Stampsfan (Post 1882103)
Posting on this for the first time, and appreciate all the undercover work over on BO, plus having the folks here link to (and consequently introduce me to) BO. Like all who love this hobby, I'm sickened. What I cannot understand is how people cannot see cards that do not fit into the holder, especially modern cards.

Having said that, and in advance I want to commend corndog on BO on the time and effort he and others are putting into this. I have, however, to question this Gehrig card:
https://www.blowoutforums.com/showpo...postcount=2109

While there are many, many similarities between the two items pictured, I wonder how the white print dots appear on the "conserved" card, at the right top of his forehead, plus on the brim of the cap. Further, there appears to be a nick in the top of the card just left of center. These types of things would not be the types of things that a card doctor would add.

Not trying to defend anyone involved in this scam, but treat this as I need help understanding.

The other part that really has me fearful of the breadth and depth of this fraud is the Parkhurst wresting card. I mean, if those cards are being doctored, there is no limit to the amount of potential fraud.

Bob

In the case of the '34 Gehrig, it is just glare from the plastic holder. Obviously the same card (before and after), as are all of the examples presented in which PSA has failed. Not a good time to diminish the meticulous work that's being done for the good of the hobby, or bury our heads in the sand.

Exhibitman 05-29-2019 11:02 AM

The answer is simple enough:

--Stop dealing with PWCC;
--Stop dealing with PSA;
--Cancel your VCP subscription.

And let the latter two know why.

HRBAKER 05-29-2019 11:04 AM

Quote:

Originally Posted by Exhibitman (Post 1882241)
The answer is simple enough:

--Stop dealing with PWCC;
--Stop dealing with PSA;
--Cancel your VCP subscription.

And let the latter two know why.

Adam you are asking a lot here.

vintagetoppsguy 05-29-2019 11:05 AM

Quote:

Originally Posted by Exhibitman (Post 1882241)
The answer is simple enough:

--Stop dealing with PWCC;
--Stop dealing with PSA;
--Cancel your VCP subscription.

And let the latter two know why.

This. This. This.

But let's see who actually will. Like I said, we need to start a new thread with those willing to do this and sign their names to it - a pledge - and hold people accountable to their pledge. I'll sign it. Anybody else?

perezfan 05-29-2019 11:06 AM

Quote:

Originally Posted by bnorth (Post 1882216)
Unfortunately not true. Many people have said they do not care what has happened to the card as long as it is in the slab.:eek:

The PSA slab is magic don't you know. It increases the value and magically makes the card whatever the flip says it is.

That's precisely why PSA is the greater evil here...

Once those cards are slabbed, they can re-appear anywhere. Even if PWCC is eventually disbanded, the PSA cards are still out there in mass quantities. The "blind faith" in PSA is what drives the corruption, and has forever called their product into question.

It's not like Chipotle, who suffered a temporary setback with the tainted food scandal. Bad food can be destroyed and is then gone forever. So eventually all is forgotten. NOT the case here, however... we will never truly know how deep the PSA infection runs, or how many tainted cards continue to reside in collections, will be traded, have already been traded, and eventually will be passed down.

It's not pleasant, and is not what people want to hear (given their personal stake in PSA Graded Cards). But unfortunately what we've seen this past month is the perverbial the tip of the iceberg.

jhs5120 05-29-2019 11:17 AM

Quote:

Originally Posted by Exhibitman (Post 1882241)
The answer is simple enough:

--Stop dealing with PWCC;
--Stop dealing with PSA;
--Cancel your VCP subscription.

And let the latter two know why.

This is getting ridiculous.

HasselhoffsCheeseburger 05-29-2019 11:27 AM

It's amazing. The same evil sorcery that caused the bizarre purge of back scans from PWCC website after their "server crossover" has now struck poor VCP! What cruel priestess spins such a wicked spell on our beloved hobby stalwarts??? Why must such unexplainable disease burden the back scan??? Hath god spited the card number? Perhaps he tired of thou outdated statistics???

Who will be the next victim in this completely random PWCC pre-2015 back scan-only virus??? Quick! Everyone to their hard drives! There's no telling if you've been afflicted!

jhs5120 05-29-2019 11:33 AM

1 Attachment(s)
Quote:

Originally Posted by HasselhoffsCheeseburger (Post 1882246)
It's amazing. The same evil sorcery that caused the bizarre purge of back scans from PWCC website after their "server crossover" has now struck poor VCP! What cruel priestess spins such a wicked spell on our beloved hobby stalwarts??? Why must such unexplainable disease burden the back scan??? Hath god spited the card number? Perhaps he tired of thou outdated statistics???

Who will be the next victim in this completely random PWCC pre-2015 back scan-only virus??? Quick! Everyone to their hard drives! There's no telling if you've been afflicted!


Seems to work fine..

BLongley 05-29-2019 11:40 AM

https://forums.collectors.com/discus...s-vault-option

This along with another forum on PSA is currently ongoing and PSA is letting it run its course as long as everyone stays civil. Todd Tobias who works at PSA did say that Sloan is gathering all information on PWCC and once he has details will be making some sort of announcement, but in short PSA is not ignoring this.

And here is another link to Collectors Universe Forum: https://forums.collectors.com/discus...ned-by-pwcc/p4

Aquarian Sports Cards 05-29-2019 11:40 AM

Quote:

Originally Posted by HasselhoffsCheeseburger (Post 1882246)
It's amazing. The same evil sorcery that caused the bizarre purge of back scans from PWCC website after their "server crossover" has now struck poor VCP! What cruel priestess spins such a wicked spell on our beloved hobby stalwarts??? Why must such unexplainable disease burden the back scan??? Hath god spited the card number? Perhaps he tired of thou outdated statistics???

Who will be the next victim in this completely random PWCC pre-2015 back scan-only virus??? Quick! Everyone to their hard drives! There's no telling if you've been afflicted!

You realize they don't host these images? They are on other sites. They have no control over whether or not they appear. At least that's how I understand it.

perezfan 05-29-2019 11:52 AM

Quote:

Originally Posted by BLongley (Post 1882255)
https://forums.collectors.com/discus...s-vault-option

This along with another forum on PSA is currently ongoing and PSA is letting it run its course as long as everyone stays civil. Todd Tobias who works at PSA did say that Sloan is gathering all information on PWCC and once he has details will be making some sort of announcement, but in short PSA is not ignoring this.

And here is another link to Collectors Universe Forum: https://forums.collectors.com/discus...ned-by-pwcc/p4

My early prediction is that PSA finally breaks its silence by providing a "sacrificial lamb". A single (low-level) individual who gets fired for being linked to PWCC.

And then it's business as usual, and they all live happily ever after.

bnorth 05-29-2019 11:55 AM

Quote:

Originally Posted by Exhibitman (Post 1882241)
The answer is simple enough:

--Stop dealing with PWCC;
--Stop dealing with PSA;
--Cancel your VCP subscription.

And let the latter two know why.

I have been avoiding PWCC for many years and just use PSA for cards I want to sell for way more than I could get any other way.

That is silly to put Bobby/VCP in that group for now. Has it been proven he actually done anything.

Adding Bobby would be like you not visiting this site because PWCC is the largest advertiser here.

T206Collector 05-29-2019 11:57 AM

Quote:

Originally Posted by Peter_Spaeth (Post 1882139)
I remember when you were their biggest fan, we used to have some discussions about that. Very interesting. Have their graders left as well or just administrative people?

When Senior Grader Rob Luce left in 2016 to follow Brian Dwyer to REA, I knew it wasn't a good move for SGC. Luce used to travel to the shows, and you could sit down with him and ask how he graded cards, and what he thought of your cards before you submitted them. It was that first-class customer service -- and much more consistent and accurate grading -- that made me their biggest fan.

That they somehow are surviving despite their best efforts to kill themselves is more a testament to the outrageous waiting times for PSA grading than support for their current business model.


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