Faith

I’m sure some of you have seen this email circulating on the internet. My dear friend, blues guitar master Gary Cogdell of St. Georges, DE. forwarded this email to me this morning. The magic of this message prompted me to share it with you…

“This is 'Faith'. This dog was born on Christmas Eve in the year 2002. He was born with 3 legs - 2 healthy hind legs and 1 abnormal front leg which had to be amputated. He of course could not walk when he was born. Even his mother did not want him. His first owner also did not think that he could survive and he was thinking of 'putting him to sleep'. But then, his present owner, Jude Stringfellow, met him and wanted to take care of him. She became determined to teach and train this little dog to walk by himself. She named him 'Faith'. In the beginning, she put Faith on a surfboard to let him feel the movement. Later she used peanut butter on a spoon as a lure and reward for him for standing up and jumping around. Even the other dog at home encouraged him to walk. Amazingly, only after 6 months, like a miracle, Faith learned to balance on his hind legs and to jump to move forward. After further training in the snow, he could now walk like a human being. Faith loves to walk around now. No matter where he goes, he attracts people to him. He is fast becoming famous on the international scene and has appeared on various newspapers and TV shows. There is now a book entitled 'With a Little Faith' being published about him. He was even considered to appear in one of Harry Potter movies. His present owner Jude Stringfellow has given up her teaching post and plans to take him around the world to preach that “even without a perfect body, one can have a perfect soul." In life there are always undesirable things, so in order to feel better you just need to look at life from another direction. I hope this message will bring fresh new ways of thinking to everyone and that everyone will appreciate and be thankful for each beautiful day. Faith is the continual demonstration of the strength and wonder of life.”

Sometimes we give up before we get to where we are going. We cannot see that our progress is 99% complete and the physical manifestation of our goal is right around the corner. We are human beings that possess a prefrontal cortex. This gives us the ability to reason about what we have learned from our environment. We don’t just instinctually react, we think about what our next actions are and in what sequence they will occur. We can mentally manipulate time and create imagined scenarios. God has given us the power to co-create our world! Yet, Faith doesn’t have a prefrontal cortex and was not born with the understanding that objects which are not being actively perceived still remain in existence. Technically this is referred to as object permanence. Amidst this inability to have active cognition that recognizes the permanence of objects, Faith learned to walk on two legs. Unlike Faith, we humans sometimes listen too much to those who tell us we cannot do what we dream about or have what we want. Our belief in what others say and do determines the course of our lives. Faith’s owner took baby steps with Faith. She didn’t overwhelm Faith with too much learning too quickly. She started with the skateboard and peanut butter lure and used what Faith desired to motivate the dog to get up on it’s hind legs and walk upright. To make sure Faith would continue to walk she challenged the dog even further by teaching it to walk in the snow. She didn’t give up on Faith; she reinforced a positive by overcoming a negative.

If a dog can walk on two legs, why can’t we achieve our goals when we have the ability to think and reason? Make a date with yourself each day to empty the garbage and stress of the world out of your mind and clear your thoughts through meditation. Use your prefrontal cortex to visualize the end result of your goals through prayer. Feel the joy of accomplishing those goals by giving the best service you can. Calvin Coolidge once said, “Nothing in the world can take the place of Persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent. The slogan 'Press On' has solved and always will solve the problems of the human race.” Faith has proven this!

For more info: Download my free Wilmington Spirituality Examiner toolbar. “Life is a gift. Be thankful for it and it will be replete with abundance. Encourage others to express creativity, release negativity and embrace pro-activity." Dean A. Banks, MCIWD, DD can be reached at webproducer@hotmail.com or banksnet.com. Download my free eBook on Articles 1-10 here.

Originality

Lately I’ve been hearing a great deal about originality in the creative arts. What is originality? The dictionary defines originality as the ability to think or express oneself in an independent and individual manner; an expression of a creative ability that is fresh or novel in an idea, method or performance. Throughout the course of history many people from all over the world have had original ideas, new ways of doing things, or new ways of expressing concepts. The source material of ideas have always been there; then someone comes along with a new way of looking at something, a new way of going about something or a new way of explaining the world around us. Societies, religions and governments have all had to modify their rules, mores and laws in order to accommodate newer ways of thought. Most have been notoriously resistant to change, and that is why the human growth process takes many years of development, trial and error and finally acceptance. It has been said that everything has been done before and it will be done again; sometimes with a different twist. Is that what constitutes being original?

Dante Shepherd, on his site “Surviving the World”, explains the varying degrees of originality. His site is enlightening, irreverent and humorous. First he lists about one-eighth of his pie chart on originality as “Completely new original concepts.” These are the ideas that haven’t been utilized before. They come from the realm of the subconscious minds of the deepest of thinkers; Einstein, Hawking and Tesla are good examples. Next are “New variations on concepts already used” that take up about a quarter of the pie. These are the ideas that take work and concepts from the deepest of thinkers and modify how they are implemented into our world; whether through application, instruction or formulation. Following are “New concepts developed by combining concepts already used.” These take up about a quarter of the pie as well and deal with advancements such as those associated with medical science. Next are “Blatant direct rip-offs of concepts already used” (about a quarter of the pie), such as is evidenced by the endless widgets hawked on TV day after day. Now we get to the humorous stuff in the final eighth of the pie; “Completely original concepts lost forever because the hallucinogens have worn off.” Many great ideas have come from altered states of mind; whether drug induced or in deep states of meditation.

When one is deep in meditation the experience is one of connection to the source of all original ideas; whether new, variations, combinations, “ripped off” or simply forgotten due to altered states. Have you ever had an idea and failed to manifest it and then months or weeks later someone else has invented it? All original ideas come from the source of all thought; God! It is up to you to do something about it. Jesus told the parable about the 3 servants, the master and the talents which explains this well. Each servant was given a portion of talents equal to his ability by their master. The master left and eventually returned and called in his servants to see what they had done with their “talents.” The first servant was given 5 talents and presented the master with ten while the second servant was given 2 talents and presented the master with four. The master then gave more responsibilities to the two servants in proportion to their abilities, even though both doubled his investment. When the third servant was called in he produced the single “talent” that was given to him by his master. When asked why he still had just the one talent he told the master that he buried it because he was afraid of losing it. The master scolded him and said he could have at least put the talent in the bank and made interest on it! The master had the talent taken from the third servant, cast him out and gave it to the first servant who had doubled his investment; not the second one who’s ability was second best. Those who have been given talents and put them to work (invest) will be given more and have abundance. Why? Because they know how to take an original idea, whatever degree of originality, and make it into something profitable for all!

As we have witnessed, there are many varying degrees of originality. One former partner of mine taught me that there is originality in arranging other people’s original ideas. He would take other people’s creations and put his own spin on it. Yes, the original ideas weren’t his, but he put them together in his own original way. Just like an arranger can change the instrumentation of someone else’s composition and make it sound like a completely different tune. There is value in creativity, originality and manifestation. It creates a channel of original ideas that can bring about prosperity for each and every one of us. Don’t bury that talent or that original idea. Play with it. Give it life. The life you give to it will give life back to you.

For more info: Download my free Wilmington Spirituality Examiner toolbar. “Life is a gift. Be thankful for it and it will be replete with abundance. Encourage others to express creativity, release negativity and embrace pro-activity." Dean A. Banks, MCIWD, DD can be reached at webproducer@hotmail.com or banksnet.com. Download my free eBook on Articles 1-10 here.

The CAT

In a past article (Needs, Wants, Desires and Expectations; April 16, 2009), I described how an understanding and application of your emotional levels can help you bring about desired results. In my Mastermind Group, I have had several people tell me that they just don’t get the Law of Attraction. They are trying to apply its principles, but they aren’t getting the results they seek. After careful examination of their questions and descriptions of their behavior, I have come to the following conclusions:

It’s not very difficult for most people to understand what their needs are. Sometimes it’s difficult for people to differentiate between their needs and wants. A want is something that you perceive you need to feel happy, but it is not a need. A need is something that you require to sustain your life. That new car you want isn’t very important if you can’t breathe. Desires are wants that align with who you really are. You have an inner sense of excitation when you desire something. Your emotions well up and your focus is like a laser beam. Most people move up and down on this emotional scale but very few make the leap of faith to get to the realm of expectation. Receiving the manifestation of a desire just once gives you the emotional feedback you need to get to the realm of expectation.

The chasm between desire and expectation is vast and few make the jump. Waking up every day and expecting the day to go in your favor in order to manifest your desires takes focus, dedication and faith. Sometimes the tasks of the day seem enormous and most people either just deal with it or run from it. However, if you break down your day into manageable “chunks”, it can appear to be more palatable. I call it the “CAT”. The CAT stands for “Chip Away Theory.” This is a theory I have applied every day of my life and it works for me, as well as many others. Instead of tackling an entire situation, like generating your innermost desires, master it one “chunk” at a time. You can divide each and every day of your life into chunks. Your morning routine is a chunk. Your drive to work is a chunk. Each chunk can be maximized by proclaiming your intention to do your best. If you set an intention to do your best and you don’t, don’t feel guilty or that you cannot do your best and give up. You simply did not use the right approach. Go back to the drawing board and try another approach. When you successfully manifest your intentions, use the joyful emotion that you experience to springboard you into the realm of expectation. Traverse that deep chasm with focus, dedication and faith. It takes courage to expect the best results in your life every day. Stop listening to your friends, family and the media about how life is. Choose to make your life better and develop a plan to get there!

For example, if you spent an hour a day relaxing, visualizing and expecting the results you desire, the universe begins to operate “the big clock” in your favor. If you invest time in self-edification, expectation of positive and uplifting results becomes easy. If you invest your time in nay-saying, complaining about why things are happening the way they are for you now or just asking ”Why me?,” then the universe will respond according to the Law of Attraction with more circumstances to support your lack of faith in the expectation of the fulfillment of your desires. So what if you take the leap of faith and land in a cow patty? You get yourself up, brush of the dust and do and move in a positive direction. Jesus said that those who pray and seek the attention of men already have their reward. The reward for people who pray and worship in silence is directly from God. God sees you as a brilliant and beautiful creation that has the power to create anything in life. Choose to use that power to create beauty by investing in YOU every day. Chip away at the monolithic task of bettering yourself and in almost no time at all, you will begin to see the results of your desires and expect them to continue to come your way each and every day of your life. Live blessed!

For more info: Download my free Wilmington Spirituality Examiner toolbar. “Life is a gift. Be thankful for it and it will be replete with abundance. Encourage others to express creativity, release negativity and embrace pro-activity." Dean A. Banks, MCIWD, DD can be reached at webproducer@hotmail.com or banksnet.com. Download my free eBook on Articles 1-10 here.

Are you a leader?

After my harrowing experience last Sunday, I have been taking it easy. I have been in a great deal of physical pain as a result of being bounced around in my car during the accident. I finally made the time to see the new Star Trek movie and reflected on all the years of being a Star Trek fan. I’ve always enjoyed the technology and future humanitarianism portrayed in the Star Trek franchise. After watching the movie I came to realize what I liked the most about the various shows in the startrekverse. It was the presence of leaders. People who dared to go beyond their perceived limitations. Beyond reason and beyond logic. When things seemed insurmountable, something welled up in the human spirit to go beyond the predominate perception of defeat.

What is a leader? The dictionary definition states: a person that guides in direction, course, action or opinion. A leader is a person who has mapped out different scenarios in his head and has projected an appropriate outcome for all concerned. Not just for himself; but all concerned. A leader guides others down a path that he has already perceived in his mind toward the outcome that he has projected. Perhaps we can better understand a leader by what a leader is not. One would think that a leader is not a follower. The definition of a follower is a person that follows another in regard to his or her ideas or belief. A follower is a disciple or adherent who models the behavior of the leader. It is also a person who imitates, copies, or makes a leader as a role model or ideal to follow. The precursor to becoming a leader is to be a good follower. A good follower recognizes the conclusions of the leader and accepts the conclusions that the leader draws. That’s why he follows him.

By setting a good example, a great leader inspires followers to dream big dreams, learn as much as they can about themselves and their world, step out in action and become the best that they can be. The costs involved with this are immeasurable. Yet, many “religious organizations” place a price on this knowledge and after you have committed the time and receive a certificate, you are deemed a leader. Wrong! A leader is born out of action moving in a negative direction and in response to this the leader takes the reins and guides the followers toward a beneficial solution for all. A phrase comes to mind; “The buck stops here.” There is no getting past a true leader because a true leader has mastered the art of being a great follower. What is the art of being a great follower? The ability to listen, reason, contemplate and take action by following a great leader. It is recognizing a chain of command that begins with an understanding that the leader has a mental lock on a desired outcome and his way is the best way for you to achieve your desired results.

The transition from a follower to a leader comes when those around you are in disarray, disjointed or totally confused about the correct path to take. A leader steps up to the plate and recognizes his responsibility to lead. He grabs the reins, takes command and LEADS! He forges ahead amidst all of the difficulties, perceptions of insurmountable obstacles and nay-sayers. Are you a leader? Are you a follower? Or are you so entrenched in mediocrity that you wallow in indecision and can’t even choose to be a leader or follower? It’s time to stop riding the fence. When you jump off the fence you might land in grass or a cow patty. That’s the chance you take. Nothing in life is guaranteed except the fact that if you stay on the fence, you’ll never know where you’ll land. Be a leader and take that leap!

For more info: Download my free Wilmington Spirituality Examiner toolbar. “Life is a gift. Be thankful for it and it will be replete with abundance. Encourage others to express creativity, release negativity and embrace pro-activity." Dean A. Banks, MCIWD, DD can be reached at webproducer@hotmail.com or banksnet.com. Download my free eBook on Articles 1-10 here.

A brush with death...

In this article I would like to get a little personal. This past Sunday I had a brush with death that was enlightening. Each time I get in my car I set my intention to drive safely and to avoid those who don’t. I had just completed a meeting in downtown Wilmington and my daughter called me from Paoli, PA. She needed a ride home to Newark after spending the weekend with her friend. I drove out to her friend’s home and picked her up. I had a nice chat with her friend’s parents who have a beautiful farm near Paoli. We started our drive home singing silly songs with each other as we often do.

We came to a stop light in Concordville, PA. on Route 202 just north of Route 1. We were laughing about some of the silly lyrics we had made up for a popular song when BAM!!!; we were hit from behind by a car traveling in excess of 45 miles an hour. The car lurched forward and after we struck the vehicle ahead of us the air bags deployed. We both had our seatbelts on yet my daughter soared over her airbag and struck the side of her head on the windshield. The smell of gunpowder from the airbags was choking and I noticed a fuel leak under the dashboard in the engine compartment. We were bounced around the vehicle due to the multiple collisions and were a bit dazed. The only thing that came to mind for me was to get my daughter out of the car. Her door was jammed so I got out and came around to help her out but she had gotten the door open by herself and we moved to the side of the road. I looked for the driver that had hit us, and someone came over and said they had driven off.

Just then a Mr. Mulch truck sped from the scene and several people thought that it was he who hit me. We later found out it was the driver of the Mr. Mulch truck who pursued the hit and run driver. His vehicle was too slow to catch him so he returned to the scene. I thanked him for his bravery and willingness to help. It was then that Pennsylvania State Trooper Greene arrived and found the license plate and bumper of the car that had fled, lodged into my rear bumper and called it in. Later another trooper found the car with open containers inside and figured that the driver had run off into the woods. The police dispatched the dogs to find him, but to no avail. A gentleman visiting from Ohio was there and advised me what to do. He was quite helpful and I thanked him for his humanitarianism. The fire department arrived and covered the fuel with a retardant as the paramedics checked out my daughter and me. A young fire fighter was exceptionally helpful to my daughter who was in shock and his bedside manner for his age was superior. I wanted to thank him again for his help but the ambulance arrived and we were taken to Riddle Memorial Hospital.

We arrived at the hospital and the emergency staff began checking us out. Dr. Kate stayed with me while I was in X-Ray to make sure my neck was immobilized. The nurses and technicians were friendly and had a great sense of humor. Later, Dr. Grossman came on shift and was very diligent in making sure my neck and back were not compromised. My brother in law and fiancé came up and brought my daughter and me home around 2 AM. On the ride home I kept replaying the scene of the accident in my mind and even though it happened very quickly, I could only see it in slow motion. I would like to offer my sincerest thanks to all of the people on the scene who helped. From the civilians, to the firefighters, to PA. State Trooper Greene, to the doctors and hospital staff; all of you were consummate professionals who did your jobs with awareness and caring. This is no doubt due to your personalities and the training you have received. You took a negative situation and turned into a positive one. The next day I sent thank you notes to all and my fiancé sent a letter to Pontiac for constructing such a safe car. The Bonneville was crushed in like an accordion in the rear and front, yet we survived. Our brush with death was terrifying and we lost our car, but our lives were spared.

Even though I set my intention for safety, we were struck by something that we never expected. Life is a process of handling unexpected occurrences and using your experiences from these occurrences to prepare you for unexpected bumps ahead. Remember, how you react to situations in life are how they affect you. My reaction to this negative experience is one of thanks. With the circumstances in this accident we could have been killed. Yet, we survived due to an awareness of safety and the help of kind and well trained people who jumped in and helped us. They didn’t say, “I don’t want to get involved.” They said “If there is an emergency, I’m going to help.” Again, I just want to say thanks to all of the heroes who step up to the plate and help those in need each and every day of their lives. Their reward is not in the paycheck they receive, it is the service they offer. May God bless all of you!

For more info: Download my free Wilmington Spirituality Examiner toolbar. “Life is a gift. Be thankful for it and it will be replete with abundance. Encourage others to express creativity, release negativity and embrace pro-activity." Dean A. Banks, MCIWD, DD can be reached at webproducer@hotmail.com or banksnet.com. Download my free eBook on Articles 1-10 here.

The pen is mightier than the sword

As we have witnessed in the previous article, complex concepts can be weaved into simple stories and made believable by the eloquence and contemplation of the author. Our history as human beings has been influenced more by the words of authors than it has by our ability to fight among ourselves. Actions are a result of psychological impressions we hold true. These impressions are either a result of what we have heard, seen or felt. According to Mr. Hubbard, traumatic experiences in our lives create negative “engrams” in our brains. These engrams are traces of memory that have been programmed into our brains as a result of painful occurrences and force us to react in a specific way. Engrams are below the surface of the conscious mind and we cannot normally access them (unless you pay Scientologists to show you how). He labels what is commonly referred to as the unconscious mind as the “reactive” mind. This part of our mind reacts to our thoughts or stored programs (traumatic events) and creates ailments both mental and physical. In Dianetics, Hubbard further claims that most ailments are psychosomatic; "What can it do? It can give a man arthritis, bursitis, asthma, allergies, sinusitis, coronary trouble, high blood pressure and so on, down the whole catalog of psychosomatic ills, adding a few more which were never specifically classified as psychosomatic, such as the common cold.”

On the surface this seems logical and it makes sense. In his writings, Mr. Hubbard speaks with authority and conviction and presents a convincing argument. It is believable. It resounds with truth, but is it valid? Remember, validity requires that we test and retest a concept and that similar results are yielded every time. Are Mr. Hubbard’s observations based on a 360 degree view? No! We live in a universe of polarity. Ask your local quantum physicist. They’ll tell you. We receive programming into engrams from not just negative traumatic events, but positive ones as well. Remember that special gift that someone gave you when you were a child? Do you remember how you felt? When you think of this event do you rehear the music or smell the smells again? Why does this occur? Your memory is a result of emotionalized events whether traumatic or joyful. Every thought in your mind is a result of chemical interactions in your brain. Whether you react or pro-act, it is a result of an emotionalized action that is either fight or flight. We are not separate from our environment. We are immersed in it and either react or pro-act to it. It is just not one-sided as Mr. Hubbard proposes.

Mr. Hubbard is correct in his statement above concerning the initiation of psychosomatic problems. What we think about we create. But only after many successive years of non-productive thinking and emotionalizing of negative reactions. Your immune system is chemically based just like your thoughts are. Year after year of generating chemicals that are not supportive of health don’t strengthen your immune system, they weaken it! We can turn our immune systems around by generating thoughts that are productive and life-giving; and we don’t need to pay an expert to show us how. By making the time everyday to relax and let go of the stresses of the outer world, we can jump start programming our brains for health and balance.

A good salesman identifies a problem to the prospect and then offers him the solution; for a price. A warrior attacks the enemy because he reacts to what he perceives the enemy has done to him. A wise man pro-acts by accepting the way things are, and using his brain to better his life. Words can be weapons more than physical things. They can give life or take it away. What are you reading? A murder-mystery novel, a self-help book, a cooking book? Whatever it may be recognize that the concepts presented can affect your brain when you emotionalize what you believe to be true. Don’t forget; always test the validity of what you believe. It is the only way to truly program your brain to create chemical interactions that are based on facts and not half-truths. Mr. Hubbard’s engram theory is a half-truth. It only takes negative results into account. His pen was mightier than the sword because Scientologists believed what he wrote and followed what he said as gospel truth. The statement “the blind leading the blind comes to mind.” His writings influenced many people even though his concepts were not completely tested for validity. All people must eventually come to the realization that a 360 degree viewpoint on life is necessary in order to observe facts, seek the truth and test validity.

For more info: Download my free Wilmington Spirituality Examiner toolbar. “Life is a gift. Be thankful for it and it will be replete with abundance. Encourage others to express creativity, release negativity and embrace pro-activity." Dean A. Banks, MCIWD, DD can be reached at webproducer@hotmail.com or banksnet.com. Download my free eBook on Articles 1-10 here.

Telling a great story

In order to weave a complex story into a relatable story that the masses will believe, you must understand how storytellers sell their wares. Successful songwriters and authors innately use this process to convince readers of their story’s truth and validity. L. Ron Hubbard was a master at this. In his book “Dianetics”, he weaves a masterpiece a half-truths and convincing arguments based on his believable storytelling.

Our history as human beings revolves around the ancient art of storytelling. We all have an innate ability to relay our observations to others through a synopsis of our experiences. Following is a standard outline that helps writers organize their thoughts in order to relay a story that people will remember. First, mapping out your observations graphically (like the brain works) and then logically inserting aspects of their story into the following outline, allows them to create a believable story. Writer's block occurs when they try to logically fit their ideas into the outline without allowing their brains to contemplate those ideas first. By thinking about as many aspects of their stories as possible before they begin to plug these aspects into the outline, allows them to view their stories from a 360 degree viewpoint. This outline is the same that is taught in speech and writing classes in colleges worldwide. Mr. Hubbard uses this in his writings and tells memorable stories in “Dianetics”!

I. Introduction- Grab the reader’s (listener’s) attention and give them a hint about what you are talking about.

A. Attention-Getter- A one sentence hook that grabs the reader’s (listener’s) attention to follow the story you are about to tell; e.g. “Have you ever wondered why people buy squiggly widgets?”

B. Preview- A one paragraph explanation of the topic you are going to cover with one sentence per aspect of the story (preferably raising questions that you will answer in the main body or discussion).

1. A question or sentence about the first aspect of your story.

2. A question or sentence about the second aspect of your story.

3. A question or sentence about the third aspect of your story.

4. A question or sentence about the fourth aspect of your story.

II. Discussion (Main Body) - This is where you expand on each aspect of your story; answer questions and raise new questions as well.

A. Main Point #1 (Aspect #1) - e.g. color of an object.

B. Main Point #2 (Aspect #2) - e.g. weight of an object.

C. Main Point #3 (Aspect #3) - e.g. size of an object.

D. Main Point #4 (Aspect #4) - e.g. longevity of an object.

III. Conclusion- This is where, after you’ve laid out your facts and raised critical questions, you culminate your thoughts and draw conclusions from all the aspects of your discussion (main body).

A. Review- Repeat each aspect in a sentence and draw your conclusion for each aspect. Delineate why you have reached these conclusions based on the facts you have presented.

B. Memorable Statement- As you have grabbed their attention in the beginning, you need to leave the reader (listener) with a reason to further investigate and understand the presentation you have made; e.g. “Squiggly widgets come in many shapes and sizes and you can pick and choose any one you want by looking in the right place. Where are you going to look?”

Telling a relatable and memorable story is easy when you contemplate your observations and allow your brain to flow with ideas. Trying to place ideas into a box (outline) too soon can constrict the flow of telling a great story. Mr. Hubbard was an observer, a thinker and a great storyteller! Remember, “Dianetics” is HIS view of the “facts” that he observed. Others adopted his views later and developed the Church of Scientology into what it is today; a juggernaut money-making machine that operates as a business under the moniker of a “religion.”

For more info: Download my free Wilmington Spirituality Examiner toolbar. “Life is a gift. Be thankful for it and it will be replete with abundance. Encourage others to express creativity, release negativity and embrace pro-activity." Dean A. Banks, MCIWD, DD can be reached at webproducer@hotmail.com or banksnet.com. Download my free eBook on Articles 1-10 here.