Careful! That doesn’t just describe the humble masses.Ivytalk wrote:An interest in power and free stuff. Nothing more.kalm wrote:
Sometimes I wonder if you might be right but wouldn't an interest in voting indicate an interest in democracy and civics?
(Oops...I used that dirty word, democracy again)
Americans Are Dumbies
-
- Supporter
- Posts: 59476
- Joined: Thu Oct 01, 2009 3:36 pm
- I am a fan of: Eastern
- A.K.A.: Humus The Proud
- Location: Northern Palouse
Re: Americans Are Dumbies
- Chizzang
- Level5
- Posts: 19273
- Joined: Mon Apr 20, 2009 7:36 am
- I am a fan of: Deflate Gate
- A.K.A.: The Quasar Kid
- Location: Soon to be Eden Prairie...
Re: Americans Are Dumbies
Dude, oldest story in the worldkalm wrote:Careful! That doesn’t just describe the humble masses.Ivytalk wrote: An interest in power and free stuff. Nothing more.
The easiest people to steal from are the poor
They have no representation no access to the system and no allies above the bottom rung
Q: Name something that offends Republicans?
A: The actual teachings of Jesus
A: The actual teachings of Jesus
- CID1990
- Level5
- Posts: 25460
- Joined: Mon Jul 16, 2007 7:40 am
- I am a fan of: Pie
- A.K.A.: CID 1990
- Location: กรุงเทพมหานคร
Re: Americans Are Dumbies
So what are we stealing, exactly?Chizzang wrote:Dude, oldest story in the worldkalm wrote:
Careful! That doesn’t just describe the humble masses.
The easiest people to steal from are the poor
They have no representation no access to the system and no allies above the bottom rung
Sent from my iPhone using Tapatalk
"You however, are an insufferable ankle biting mental chihuahua..." - Clizzoris
- mainejeff
- Level4
- Posts: 5385
- Joined: Tue Oct 14, 2008 10:43 am
- I am a fan of: Maine
- A.K.A.: mainejeff
Re: Americans Are Dumbies
Their humanity, dignity and a fair shot.....and in some cases their lives.CID1990 wrote:So what are we stealing, exactly?Chizzang wrote:
Dude, oldest story in the world
The easiest people to steal from are the poor
They have no representation no access to the system and no allies above the bottom rung
Sent from my iPhone using Tapatalk
Go Black Bears!
- dbackjon
- Moderator Team
- Posts: 45610
- Joined: Sat Jul 14, 2007 9:20 am
- I am a fan of: Northern Arizona
- A.K.A.: He/Him
- Location: Scottsdale
Re: Americans Are Dumbies
93henfan wrote:Don't rest on your yannies.
**laurels
- dbackjon
- Moderator Team
- Posts: 45610
- Joined: Sat Jul 14, 2007 9:20 am
- I am a fan of: Northern Arizona
- A.K.A.: He/Him
- Location: Scottsdale
Re: Americans Are Dumbies
Can I get one as well?CID1990 wrote:Well Jeff, I think you and I have some common ground here.mainejeff wrote:
American don’t even believe their own eyes now....they certainly aren’t going to believe what they read in books.
Hug?
Sent from my iPhone using Tapatalk
-
- Supporter
- Posts: 26827
- Joined: Thu Mar 19, 2009 6:22 pm
- I am a fan of: Salisbury University
- Location: Republic of Western Sussex
Re: Americans Are Dumbies
mainejeff wrote:Their humanity, dignity and a fair shot.....and in some cases their lives.CID1990 wrote:
So what are we stealing, exactly?
Sent from my iPhone using Tapatalk
Cribbed from the Bernie Sanders ‘20 acceptance speech.
“I’m tired and done.” — 89Hen 3/27/22.
- Chizzang
- Level5
- Posts: 19273
- Joined: Mon Apr 20, 2009 7:36 am
- I am a fan of: Deflate Gate
- A.K.A.: The Quasar Kid
- Location: Soon to be Eden Prairie...
Re: Americans Are Dumbies
How many examples would you like CIDCID1990 wrote:So what are we stealing, exactly?Chizzang wrote:
Dude, oldest story in the world
The easiest people to steal from are the poor
They have no representation no access to the system and no allies above the bottom rung
Studies have already shown
1) Just being poor means that Automobile Insurance companies charge you more regardless of vehicle value
in fact insurance companies across the board charge the poor more for the same coverage
all explained away by risk management
2) Since nobody pays poor people in cash anymore banks make a living charging over draft fees
And there's no way to avoid using banks - and it's been shown (proven) banks make a killing off of the poor
if the poor could choose not to use banks they would be in a better position to manage their cash
3) Poor people when charged with a violation a ticket or a crime almost universally plead guilty
Regardless of the fact that they in many cases are NOT guilty - because they don't have the money to fight
it's been proven (over and over) rich people don't pay violations or speeding tickets and never plead guilt particularly when NOT guilty
4)
Costco... poor people can't take advantage of bulk buying
and are frequently only able to purchase from corner stores at ridiculous small quantity prices
and that Harvard Study showed that poor people frequently only eat two means a day
at higher expense per meal than those who earn more and eat three meals a day
there's more... but why bother
you don't care
Q: Name something that offends Republicans?
A: The actual teachings of Jesus
A: The actual teachings of Jesus
-
- Supporter
- Posts: 59476
- Joined: Thu Oct 01, 2009 3:36 pm
- I am a fan of: Eastern
- A.K.A.: Humus The Proud
- Location: Northern Palouse
Re: Americans Are Dumbies
Who’s this we?CID1990 wrote:So what are we stealing, exactly?Chizzang wrote:
Dude, oldest story in the world
The easiest people to steal from are the poor
They have no representation no access to the system and no allies above the bottom rung
Sent from my iPhone using Tapatalk
- AZGrizFan
- Supporter
- Posts: 59959
- Joined: Fri Jul 13, 2007 4:40 pm
- I am a fan of: Sexual Chocolate
- Location: Just to the right of center
Re: Americans Are Dumbies
I only eat two meals a day. Guess I'm poor.Chizzang wrote:How many examples would you like CIDCID1990 wrote:
So what are we stealing, exactly?
Studies have already shown
1) Just being poor means that Automobile Insurance companies charge you more regardless of vehicle value
in fact insurance companies across the board charge the poor more for the same coverage
all explained away by risk management
2) Since nobody pays poor people in cash anymore banks make a living charging over draft fees
And there's no way to avoid using banks - and it's been shown (proven) banks make a killing off of the poor
if the poor could choose not to use banks they would be in a better position to manage their cash
3) Poor people when charged with a violation a ticket or a crime almost universally plead guilty
Regardless of the fact that they in many cases are NOT guilty - because they don't have the money to fight
it's been proven (over and over) rich people don't pay violations or speeding tickets and never plead guilt particularly when NOT guilty
4)
Costco... poor people can't take advantage of bulk buying
and are frequently only able to purchase from corner stores at ridiculous small quantity prices
and that Harvard Study showed that poor people frequently only eat two means a day
at higher expense per meal than those who earn more and eat three meals a day
there's more... but why bother
you don't care
"Ah fuck. You are right." KYJelly, 11/6/12
"The future must not belong to those who slander the prophet of Islam." Barack Obama, 9/25/12
"The future must not belong to those who slander the prophet of Islam." Barack Obama, 9/25/12
- GannonFan
- Level5
- Posts: 18065
- Joined: Mon Jul 23, 2007 6:51 am
- I am a fan of: Delaware
- A.K.A.: Non-Partisan Hack
Re: Americans Are Dumbies
I've had three traffic tickets in 30+ years of driving and I paid them immediately. What a rube (and poor) person I am!AZGrizFan wrote:I only eat two meals a day. Guess I'm poor.Chizzang wrote: How many examples would you like CID
Studies have already shown
1) Just being poor means that Automobile Insurance companies charge you more regardless of vehicle value
in fact insurance companies across the board charge the poor more for the same coverage
all explained away by risk management
2) Since nobody pays poor people in cash anymore banks make a living charging over draft fees
And there's no way to avoid using banks - and it's been shown (proven) banks make a killing off of the poor
if the poor could choose not to use banks they would be in a better position to manage their cash
3) Poor people when charged with a violation a ticket or a crime almost universally plead guilty
Regardless of the fact that they in many cases are NOT guilty - because they don't have the money to fight
it's been proven (over and over) rich people don't pay violations or speeding tickets and never plead guilt particularly when NOT guilty
4)
Costco... poor people can't take advantage of bulk buying
and are frequently only able to purchase from corner stores at ridiculous small quantity prices
and that Harvard Study showed that poor people frequently only eat two means a day
at higher expense per meal than those who earn more and eat three meals a day
there's more... but why bother
you don't care
Proud Member of the Blue Hen Nation
- Chizzang
- Level5
- Posts: 19273
- Joined: Mon Apr 20, 2009 7:36 am
- I am a fan of: Deflate Gate
- A.K.A.: The Quasar Kid
- Location: Soon to be Eden Prairie...
Re: Americans Are Dumbies
That's fascinating anecdotal information, thank you...GannonFan wrote:I've had three traffic tickets in 30+ years of driving and I paid them immediately. What a rube (and poor) person I am!AZGrizFan wrote:
I only eat two meals a day. Guess I'm poor.
You've completely changed my mind
also, I shouldn't be confused with somebody that actually cares about "the poor"
There is no evidence based on my behavior that suggests that I care
Q: Name something that offends Republicans?
A: The actual teachings of Jesus
A: The actual teachings of Jesus
- Winterborn
- Supporter
- Posts: 8812
- Joined: Wed May 25, 2016 2:33 pm
- I am a fan of: Beer and Diesel Pickups
- Location: Wherever I hang my hat
Re: Americans Are Dumbies
Klam, I would like to amend the title of this thread to say "People In General Are Dumbies".
Case in point, why would anyone want to stick their hand, into a snowblower that is jammed by snow, without shutting the machine off?
Case in point, why would anyone want to stick their hand, into a snowblower that is jammed by snow, without shutting the machine off?
“The best of all things is to learn. Money can be lost or stolen, health and strength may fail, but what you have committed to your mind is yours forever.” – Louis L’Amour
“Hard times create strong men. Strong men create good times. Good times create weak men. And, weak men create hard times.” - G. Michael Hopf
"I am neither especially clever nor especially gifted. I am only very, very curious.” – Albert Einstein
“Hard times create strong men. Strong men create good times. Good times create weak men. And, weak men create hard times.” - G. Michael Hopf
"I am neither especially clever nor especially gifted. I am only very, very curious.” – Albert Einstein
- BDKJMU
- Level5
- Posts: 27996
- Joined: Wed Jul 01, 2009 6:59 am
- I am a fan of: JMU
- A.K.A.: BDKJMU
- Location: Philly Burbs
Re: Americans Are Dumbies
And studies have shown that men are charged more for car insurance than women.Chizzang wrote:How many examples would you like CIDCID1990 wrote:
So what are we stealing, exactly?
Studies have already shown
1) Just being poor means that Automobile Insurance companies charge you more regardless of vehicle value
in fact insurance companies across the board charge the poor more for the same coverage
all explained away by risk management
2) Since nobody pays poor people in cash anymore banks make a living charging over draft fees
And there's no way to avoid using banks - and it's been shown (proven) banks make a killing off of the poor
if the poor could choose not to use banks they would be in a better position to manage their cash
3) Poor people when charged with a violation a ticket or a crime almost universally plead guilty
Regardless of the fact that they in many cases are NOT guilty - because they don't have the money to fight
it's been proven (over and over) rich people don't pay violations or speeding tickets and never plead guilt particularly when NOT guilty
4)
Costco... poor people can't take advantage of bulk buying
and are frequently only able to purchase from corner stores at ridiculous small quantity prices
and that Harvard Study showed that poor people frequently only eat two means a day
at higher expense per meal than those who earn more and eat three meals a day
there's more... but why bother
you don't care
And single men get charged more than married men (which means I get doubly screwed).
And on and on...
The stats don’t lie- certain groups have higher accident rates than others, more costly accidents than others, do a better job maintaining their vehicles upkeep than others, etc.
..peacefully and patriotically make your voices heard..
JMU Football: 2022 & 2023 Sun Belt East Champions...But you have to go home now. We have to have peace…
..I know how you feel, but go home, and go home in peace.
- BDKJMU
- Level5
- Posts: 27996
- Joined: Wed Jul 01, 2009 6:59 am
- I am a fan of: JMU
- A.K.A.: BDKJMU
- Location: Philly Burbs
Re: Americans Are Dumbies
I’m calling bs on that one. How about a link(s)..Chizzang wrote:How many examples would you like CIDCID1990 wrote:
So what are we stealing, exactly?
Studies have already shown
1) Just being poor means that Automobile Insurance companies charge you more regardless of vehicle value
in fact insurance companies across the board charge the poor more for the same coverage
all explained away by risk management
2) Since nobody pays poor people in cash anymore banks make a living charging over draft fees
And there's no way to avoid using banks - and it's been shown (proven) banks make a killing off of the poor
if the poor could choose not to use banks they would be in a better position to manage their cash
3) Poor people when charged with a violation a ticket or a crime almost universally plead guilty
Regardless of the fact that they in many cases are NOT guilty - because they don't have the money to fight
it's been proven (over and over) rich people don't pay violations or speeding tickets and never plead guilt particularly when NOT guilty
4)
Costco... poor people can't take advantage of bulk buying
and are frequently only able to purchase from corner stores at ridiculous small quantity prices
and that Harvard Study showed that poor people frequently only eat two means a day
at higher expense per meal than those who earn more and eat three meals a day
there's more... but why bother
you don't care
..peacefully and patriotically make your voices heard..
JMU Football: 2022 & 2023 Sun Belt East Champions...But you have to go home now. We have to have peace…
..I know how you feel, but go home, and go home in peace.
- BDKJMU
- Level5
- Posts: 27996
- Joined: Wed Jul 01, 2009 6:59 am
- I am a fan of: JMU
- A.K.A.: BDKJMU
- Location: Philly Burbs
Re: Americans Are Dumbies
Yeah. How many middle class, upper middle class or “rich” as Clitz put it, are going to take a day off from work & a good chunk of their day to travel to and sit in a local traffic court to fight a couple hundred $$ ticket that they may or may not get out of? And that’s if you live locally to where you got the ticket. If you live in a different area an hr or more away or out of state forget about it.GannonFan wrote:I've had three traffic tickets in 30+ years of driving and I paid them immediately. What a rube (and poor) person I am!AZGrizFan wrote:
I only eat two meals a day. Guess I'm poor.
..peacefully and patriotically make your voices heard..
JMU Football: 2022 & 2023 Sun Belt East Champions...But you have to go home now. We have to have peace…
..I know how you feel, but go home, and go home in peace.
- AZGrizFan
- Supporter
- Posts: 59959
- Joined: Fri Jul 13, 2007 4:40 pm
- I am a fan of: Sexual Chocolate
- Location: Just to the right of center
Re: Americans Are Dumbies
God fucking help you if you're a single male under 25 who happens to be poor.BDKJMU wrote:And studies have shown that men are charged more for car insurance than women.Chizzang wrote: How many examples would you like CID
Studies have already shown
1) Just being poor means that Automobile Insurance companies charge you more regardless of vehicle value
in fact insurance companies across the board charge the poor more for the same coverage
all explained away by risk management
2) Since nobody pays poor people in cash anymore banks make a living charging over draft fees
And there's no way to avoid using banks - and it's been shown (proven) banks make a killing off of the poor
if the poor could choose not to use banks they would be in a better position to manage their cash
3) Poor people when charged with a violation a ticket or a crime almost universally plead guilty
Regardless of the fact that they in many cases are NOT guilty - because they don't have the money to fight
it's been proven (over and over) rich people don't pay violations or speeding tickets and never plead guilt particularly when NOT guilty
4)
Costco... poor people can't take advantage of bulk buying
and are frequently only able to purchase from corner stores at ridiculous small quantity prices
and that Harvard Study showed that poor people frequently only eat two means a day
at higher expense per meal than those who earn more and eat three meals a day
there's more... but why bother
you don't care
And single men get charged more than married men (which means I get doubly screwed).
And on and on...
The stats don’t lie- certain groups have higher accident rates than others, more costly accidents than others, do a better job maintaining their vehicles upkeep than others, etc.
"Ah fuck. You are right." KYJelly, 11/6/12
"The future must not belong to those who slander the prophet of Islam." Barack Obama, 9/25/12
"The future must not belong to those who slander the prophet of Islam." Barack Obama, 9/25/12
- Chizzang
- Level5
- Posts: 19273
- Joined: Mon Apr 20, 2009 7:36 am
- I am a fan of: Deflate Gate
- A.K.A.: The Quasar Kid
- Location: Soon to be Eden Prairie...
Re: Americans Are Dumbies
Look I get it...
Even recognizing the issues around America's working poor gets you called a progressive
Just the act of identifying poor issues is considered ridiculous and weak
I don't even care - I simply observe them - and I am scoffed at
Likewise observing that corporate executives pay has vastly (wildly) out paced workers pay
just pointing it out gets you shamed and ridiculed - but its a fact
Even Fortune magazine referred to to growth in CEO compensation as "obscene" vs. Employee pay
But we are expected to NOT TALK ABOUT or even look at that
Even recognizing the issues around America's working poor gets you called a progressive
Just the act of identifying poor issues is considered ridiculous and weak
I don't even care - I simply observe them - and I am scoffed at
Likewise observing that corporate executives pay has vastly (wildly) out paced workers pay
just pointing it out gets you shamed and ridiculed - but its a fact
Even Fortune magazine referred to to growth in CEO compensation as "obscene" vs. Employee pay
But we are expected to NOT TALK ABOUT or even look at that
Q: Name something that offends Republicans?
A: The actual teachings of Jesus
A: The actual teachings of Jesus
- JohnStOnge
- Egalitarian
- Posts: 20314
- Joined: Sun Jan 03, 2010 5:47 pm
- I am a fan of: McNeese State
- A.K.A.: JohnStOnge
Re: Americans Are Dumbies
I must admit I'd have to refresh my memory on what it takes to do a Constitutional Amendment. I think I remember that it starts off either with Congress or States developing a supermajority to put it up for ratification then a supermajority of States has to ratify it. But even if I'm right about that I don't remember the numbers. Now after I post this admission that I don't remember I'll look it up.
Well, I believe that I must tell the truth
And say things as they really are
But if I told the truth and nothing but the truth
Could I ever be a star?
Deep Purple: No One Came
And say things as they really are
But if I told the truth and nothing but the truth
Could I ever be a star?
Deep Purple: No One Came
- JohnStOnge
- Egalitarian
- Posts: 20314
- Joined: Sun Jan 03, 2010 5:47 pm
- I am a fan of: McNeese State
- A.K.A.: JohnStOnge
Re: Americans Are Dumbies
Ok I feel a little better. Looks like I was pretty close on the basic process.
Well, I believe that I must tell the truth
And say things as they really are
But if I told the truth and nothing but the truth
Could I ever be a star?
Deep Purple: No One Came
And say things as they really are
But if I told the truth and nothing but the truth
Could I ever be a star?
Deep Purple: No One Came
- JohnStOnge
- Egalitarian
- Posts: 20314
- Joined: Sun Jan 03, 2010 5:47 pm
- I am a fan of: McNeese State
- A.K.A.: JohnStOnge
Re: Americans Are Dumbies
On this one I don't think it's unfair. I think the insurance companies have risk models that justify what they do. In fact I think the unfairness that comes in in this realm is associated with egalitarianism. Insurance companies are not allowed to use race as a factor, for example, even though risk models show that it's significant. With sex it's OK for them to charge people higher for being male but not OK to charge people higher in other areas because they're female.Chizzang wrote: Studies have already shown
1) Just being poor means that Automobile Insurance companies charge you more regardless of vehicle value
in fact insurance companies across the board charge the poor more for the same coverage
all explained away by risk management
Here's on article about the issue:
https://www.cbsnews.com/news/car-insura ... gulations/
"Insurers use factors such as education and occupation because they are actuarially proven to be highly predictive of the likelihood of an insurance loss," said Baldwin. "For example, some insurers have found that teachers, paramedics and librarians represent lower risks and could be in jeopardy of paying more for insurance."
Insurers point to numerous studies -- by insurance regulators -- in Florida and Maryland, as well as other states that show nondriving factors such as education, job status and particularly credit rating, are key to how a motorist will perform on the road.
Well, I believe that I must tell the truth
And say things as they really are
But if I told the truth and nothing but the truth
Could I ever be a star?
Deep Purple: No One Came
And say things as they really are
But if I told the truth and nothing but the truth
Could I ever be a star?
Deep Purple: No One Came
-
- Supporter
- Posts: 59476
- Joined: Thu Oct 01, 2009 3:36 pm
- I am a fan of: Eastern
- A.K.A.: Humus The Proud
- Location: Northern Palouse
Re: Americans Are Dumbies
I might be the CEO someday so you just shut your dirty pirate hooker mouth!Chizzang wrote:Look I get it...
Even recognizing the issues around America's working poor gets you called a progressive
Just the act of identifying poor issues is considered ridiculous and weak
I don't even care - I simply observe them - and I am scoffed at
Likewise observing that corporate executives pay has vastly (wildly) out paced workers pay
just pointing it out gets you shamed and ridiculed - but its a fact
Even Fortune magazine referred to to growth in CEO compensation as "obscene" vs. Employee pay
But we are expected to NOT TALK ABOUT or even look at that
- Chizzang
- Level5
- Posts: 19273
- Joined: Mon Apr 20, 2009 7:36 am
- I am a fan of: Deflate Gate
- A.K.A.: The Quasar Kid
- Location: Soon to be Eden Prairie...
Re: Americans Are Dumbies
kalm wrote:I might be the CEO someday so you just shut your dirty pirate hooker mouth!Chizzang wrote:Look I get it...
Even recognizing the issues around America's working poor gets you called a progressive
Just the act of identifying poor issues is considered ridiculous and weak
I don't even care - I simply observe them - and I am scoffed at
Likewise observing that corporate executives pay has vastly (wildly) out paced workers pay
just pointing it out gets you shamed and ridiculed - but its a fact
Even Fortune magazine referred to to growth in CEO compensation as "obscene" vs. Employee pay
But we are expected to NOT TALK ABOUT or even look at that
Q: Name something that offends Republicans?
A: The actual teachings of Jesus
A: The actual teachings of Jesus
- CID1990
- Level5
- Posts: 25460
- Joined: Mon Jul 16, 2007 7:40 am
- I am a fan of: Pie
- A.K.A.: CID 1990
- Location: กรุงเทพมหานคร
Re: Americans Are Dumbies
Of course I care.Chizzang wrote:How many examples would you like CIDCID1990 wrote:
So what are we stealing, exactly?
Studies have already shown
1) Just being poor means that Automobile Insurance companies charge you more regardless of vehicle value
in fact insurance companies across the board charge the poor more for the same coverage
all explained away by risk management
2) Since nobody pays poor people in cash anymore banks make a living charging over draft fees
And there's no way to avoid using banks - and it's been shown (proven) banks make a killing off of the poor
if the poor could choose not to use banks they would be in a better position to manage their cash
3) Poor people when charged with a violation a ticket or a crime almost universally plead guilty
Regardless of the fact that they in many cases are NOT guilty - because they don't have the money to fight
it's been proven (over and over) rich people don't pay violations or speeding tickets and never plead guilt particularly when NOT guilty
4)
Costco... poor people can't take advantage of bulk buying
and are frequently only able to purchase from corner stores at ridiculous small quantity prices
and that Harvard Study showed that poor people frequently only eat two means a day
at higher expense per meal than those who earn more and eat three meals a day
there's more... but why bother
you don't care
I care about the 10% of poor Americans who are in that situation through no fault of their own.
Sent from my iPhone using Tapatalk
"You however, are an insufferable ankle biting mental chihuahua..." - Clizzoris
- AZGrizFan
- Supporter
- Posts: 59959
- Joined: Fri Jul 13, 2007 4:40 pm
- I am a fan of: Sexual Chocolate
- Location: Just to the right of center
Re: Americans Are Dumbies
Show me the money, motherfucker. I’m the only SOB in the company who can literally GO TO JAIL if the financials are incorrect (thanks, ENRON). So yeah, make it rain.Chizzang wrote:Look I get it...
Even recognizing the issues around America's working poor gets you called a progressive
Just the act of identifying poor issues is considered ridiculous and weak
I don't even care - I simply observe them - and I am scoffed at
Likewise observing that corporate executives pay has vastly (wildly) out paced workers pay
just pointing it out gets you shamed and ridiculed - but its a fact
Even Fortune magazine referred to to growth in CEO compensation as "obscene" vs. Employee pay
But we are expected to NOT TALK ABOUT or even look at that
"Ah fuck. You are right." KYJelly, 11/6/12
"The future must not belong to those who slander the prophet of Islam." Barack Obama, 9/25/12
"The future must not belong to those who slander the prophet of Islam." Barack Obama, 9/25/12