Santa Susana Bankruptcy Lawyers

Troy Werner
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Troy Werner
Simi Valley, CA Bankruptcy Lawyer with 15 years of experience
(800) 752-9937 2655 First Street, Suite 250
Simi Valley, CA 93065
Free ConsultationBankruptcy, Estate Planning, Personal Injury and Probate
Southwestern Law School
An Ivy League graduate, Troy Werner has been an indispensable asset to The Werner Law Firm, providing exceptional legal service to its clients. Troy has won numerous awards during his tenure as an attorney, including being recognized with an award as one of the Top 40 individuals under 40 in the community. Troy Werner continues the tradition of excellence in the firm. His father L. Rob Werner, founder of The Werner Law Firm, ranks among the most experienced lawyers in California. Starting the Law Offices of L. Rob Werner in 1975, the Werners have built it into the...
Rob Werner
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Rob Werner
Simi Valley, CA Bankruptcy Attorney with 49 years of experience
(805) 583-2027 2655 First Street, Suite 250
Simi Valley, CA 93065
Free ConsultationBankruptcy, Estate Planning, Personal Injury and Probate
Southwestern Law School
L. Rob Werner is the founding attorney of The Werner Law Firm and is ranked as one of the most experienced lawyers in the state of California. He launched the Law Offices of L. Rob Werner in 1975 and since has built the company into an award-winning firm. He has repeatedly been recognized for his quality service to his clients and to the community. Some of the honors he has received include: Readers' Choice Award for Best Attorney from the Los Angeles Daily News; SCV Bar Association Attorney of the Year; Voted "Best Of" Santa Clarita Valley...
Stephanie Farr White
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Stephanie Farr White
Simi Valley, CA Bankruptcy Lawyer with 17 years of experience
(805) 322-7270 2655 First St., Suite 250
Simi Valley, CA 93065
Bankruptcy and Divorce
Ventura College of Law
David S. Shevitz
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David S. Shevitz
Woodland Hills, CA Bankruptcy Lawyer with 14 years of experience
(213) 863-0183 5850 Canoga Ave.
Suite 400
Woodland Hills, CA 91367
Bankruptcy, Collections, Consumer and Foreclosure Defense
Loyola Law School, Los Angeles
Mr. Shevitz is an experienced bankruptcy attorney. He is certified as a Bankruptcy Specialist by the State Bar of California, Board of Legal Specialization. His practice focuses on business reorganizations, individual debtor representation, and creditor representation in bankruptcy proceedings and related business litigation matters. Between 2011 and 2015, David was an attorney at a boutique bankruptcy firm where he represented individuals and businesses in Chapters 7, 11 and 13 as well related business litigation matters. During law school, David served as a legal intern for the Honorable Sheri Bluebond, US Bankruptcy Court for the Central District...
Neil Bhartia
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Neil Bhartia
West Hills, CA Bankruptcy Lawyer with 16 years of experience
(888) 552-6272 23644 Vanowen Street
Unit A
West Hills, CA 91307
Free ConsultationBankruptcy and Personal Injury
Chapman University Fowler School of Law
Attorney Bhartia is an award winning bankruptcy and personal injury attorney with a broad range of legal and international business experience. Mr. Bhartia earned his Juris Doctor from Chapman University School of Law. While there, he served as President of the International Law Society, Editor for the Law Journal, Academic Fellow, and Student Ambassador. Prior to Syndicate Legal, Neil has worked in the legal department of the Screen Actors Guild where he was involved with arbitration between studios/producers and the Guild, and has also held positions with the Public Law Center in the area of consumer fraud, and Macey...
Sean D. Allen
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Sean D. Allen
Woodland Hills, CA Bankruptcy Lawyer with 17 years of experience
(866) 839-9400 21650 Oxnard Street
Suite 2000
Woodland Hills, CA 91367
Bankruptcy, Appeals, Business and Real Estate
Pepperdine University
A skilled attorney with litigation, appellate, and transactional experience in areas such as real property, contracts, business and corporate governance, business entity formation, and bankruptcy. Currently counsels Common Interest Developments on a wide range of matters, including operational issues, corporate governance, interpretation of governing documents, corporate matters, dispute resolution, litigation, and general transactional matters. Obtained very favorable outcomes for clients as both plaintiffs and as defendants, and is also one of the few attorneys knowledgeable of the unique issues surrounding homeowner associations as bankruptcy creditors. Obtained Juris Doctor degree from Pepperdine University School of Law. Licensed to practice...
R. Grace Rodriguez
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R. Grace Rodriguez
Chatsworth, CA Bankruptcy Lawyer with 26 years of experience
(818) 734-7223 21000 Devonshire St
Suite 111
Chatsworth, CA 91311
Free ConsultationBankruptcy, Estate Planning, Foreclosure Defense and Real Estate
Western State College of Law at Argosy University
My primary focus is to help the average homeowner save their house, get a fresh start on their finances, educate them on how to meaningfully budget and save money, and then help direct future investments for their future financial needs. No one sat down and explained any of this to me. I had to go out and find the information. Now I want to share it with you. Bankruptcy is not the end of the world. We will work with you to come up with a affordable legal strategy that is within your budget. ...
Reina  Resnik
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Reina Resnik
Woodland Hills, CA Bankruptcy Attorney with 32 years of experience
(877) 654-3621 6200 Canoga Ave
Suite 375
Woodland Hills, CA 91367
Bankruptcy and Personal Injury
Whittier Law School
MILLIONS COLLECTED IN ACCIDENT CASES! Reina Resnik received her Bachelor’s degree in English literature, from University of California, Los Angeles in 1986. Ms. Resnik received her Juris Doctorate from Whittier Law School in 1991. Ms. Resnik is currently a member of the Consumer Attorneys Association of Los Angeles and California Employment Law Association. Admitted to practice law by the State Bar of California in 1992. She speaks Spanish and Hebrew and is actively involved in various cultural and charitable organizations in Los Angeles County. Don't Wait. Call Now. If you have a personal injury case and are ready to learn how the law office...
Ilyse Fern Klavir
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Ilyse Fern Klavir
Woodland Hills, CA Bankruptcy Lawyer with 31 years of experience
(818) 322-4312 6400 Canoga Ave Unit 203
Woodland Hills, CA 91367
Bankruptcy, Personal Injury and Workers' Comp
Univ of West Los Angeles
Iyse Klavir specializes in the practice of bankruptcy law at her law firm Klavir & Associates based in Lancaster, CA in the Antelope Valley with a satellite office in Woodland Hills, CA serving the San Fernando Valley. Worker's Compensation and Personal Injury cases are also areas of consiberable practice focus and experience. Ilyse Klavir assisted nearly a thousand debtors last year through the bankruptcy process. She was recognized with the William J. Lasarow Award by the Debtor Assistance Project for her work on behalf of debtors. Ilyse Klavir has over 20 years of experience as an executive,...
Amir A. Nader
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Amir A. Nader
Woodland Hills, CA Bankruptcy Lawyer with 13 years of experience
(800) 689-0774 6320 Canoga Ave.
Suite 1620
Woodland Hills, CA 91367
Free ConsultationBankruptcy, Family and Personal Injury
Western State University College of Law
Amir practices all areas of family law, including child custody and support issues, mediation, and litigation.
Jeffrey S. Graff
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Jeffrey S. Graff
Westlake Village, CA Bankruptcy Attorney with 43 years of experience
(805) 633-4999 280 N Westlake Boulevard
Suite 120
Westlake Village, CA 91362
Bankruptcy, Divorce and Family
Univ of West Los Angeles
Practicing family law since 1981, Jeffery S. Graff boasts more than 35 years of legal experience. In that time, Attorney Graff has handled thousands of cases covering a variety of issues. He has a firm grasp on the Ventura County and Los Angeles County procedures in regards to child custody, visitation, support, and other similar matters. Most importantly, Attorney Graff understands the overwhelming emotion and frustration that can come into play in these types of cases. That is why he provides compassionate and personalized legal counsel every step of the way. Attorney Graff is there to answer any questions you...
Ali Reza Nader
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Ali Reza Nader
Woodland Hills, CA Bankruptcy Lawyer with 28 years of experience
(818) 446-1334 21800 Oxnard Street
Suite 720
Woodland Hills, CA 91367
Free ConsultationBankruptcy, Foreclosure Defense and Tax
University of West Los Angeles Law School
Ali R. Nader is a partner attorney at Cal West Law and dedicates his practice to helping individuals and families overcome financial difficulties. Ali initially studied to become an electrical engineer before pivoting to become a lawyer. He experienced and overcame tremendous financial challenges early in life and realized he wanted to spend his life helping others combat debt and its consequences. Ali is licensed to practice law by the State Bar of California and is admitted to the California Supreme Court. He is a member of the National Association of Consumer Bankruptcy Attorneys, California State Bar Association, and the...
Nathan Asher Berneman
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Nathan Asher Berneman
Westlake Village, CA Bankruptcy Lawyer with 33 years of experience
(805) 492-7045 3835 E Thousand Oaks Blvd., #152
Westlake Village, CA 91362
Free ConsultationBankruptcy
Univ of West Los Angeles
I have filed under my name over 12,000 bankruptcies since 1992. I appear in court several times per week and know the Judge's and Trustee's very well since I have been appearing before them for so many years. I will give you the knowledge you need to make an informed decision on whether or not to file bankruptcy. Bankruptcy can save your home, car, money, property and give you PEACE OF MIND.
David Russell Hagen
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David Russell Hagen
Woodland Hills, CA Bankruptcy Attorney with 41 years of experience
(818) 861-9917 5950 Canoga Ave #400
Woodland Hills, CA 91367
Bankruptcy
Southwestern University
C. Valerie Ibe
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C. Valerie Ibe
Canoga Park, CA Bankruptcy Lawyer with 24 years of experience
(818) 900-5298 7220 Owensmouth Avenue,
Suite 220
Canoga Park, CA 91303
Bankruptcy, Employment, Family and Immigration
Rivers State University
The Law Offices of C. Valerie Ibe, has licenses to practice in the States of California, Maryland and New York and is equipped to help residents of these states to face the complexities of civil litigation whether in the state courts or in federal courts. The lead attorney, in addition to legal qualifications has also an MBA in Business Administration and a CPA
Tawni Lee Takagi
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Tawni Lee Takagi
Canoga Park, CA Bankruptcy Lawyer with 17 years of experience
(310) 954-7248 22148 Sherman Way #105
Canoga Park, CA 91303
Free ConsultationBankruptcy, Personal Injury and Workers' Comp
University of West Los Angles
My boutique law firm prides itself in providing exceptional service to and communication with our clients. Your matter is important to us and you will not be ignored or disregarded.
Juanita V. Miller
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Juanita V. Miller
Woodland Hills, CA Bankruptcy Lawyer with 36 years of experience
(818) 936-2186 6303 Owensmouth Ave., Suite 1005
Woodland Hills, CA 91367
Free ConsultationBankruptcy and Estate Planning
Georgetown University
Juanita V. Miller, Esq. has been practicing law for 24 years. She focuses in the areas of bankruptcy and probate law and is a "hands-on" attorney. No client is made to feel as though she is going through a law mill. The firm gives prompt, efficient, and courteous service.
Barry Michael Greenberg
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Barry Michael Greenberg
Calabasas, CA Bankruptcy Lawyer with 29 years of experience
(888) 591-4441 23548 Calabasas Road
Suite 202
Calabasas, CA 91302
Free ConsultationBankruptcy, Consumer and Tax
Benjamin N. Cardozo School of Law
Mr. Greenberg is a licensed attorney (California) and a Certified Public Accountant (inactive)
Hong Shen
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Hong Shen
Westlake Village, CA Bankruptcy Attorney with 14 years of experience
(805) 491-4005 5707 Corsa Ave., #106
Westlake Village, CA 91362
Bankruptcy, Appeals, Civil Rights and Foreclosure Defense
Concord Law School
I am a patent prosecution attorney who has been working in the semiconductor industry for many years. I am also an inventor who has more than 10 patents issued/pending. In addition, I could be glad to help you in dealing with other legal matters.
Karen L. Ware
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Karen L. Ware
Thousand Oaks, CA Bankruptcy Lawyer with 14 years of experience
(818) 668-9019 30721 Russell Ranch Road Suite 140
Thousand Oaks, CA 91362
Free ConsultationBankruptcy
University of Texas - Austin
Karen Ware represents consumers in credit and debt matters, including Chapter 7 and Chapter 13 bankruptcy. Karen also defends consumers in debt collection and garnishment cases in California state court. Karen's practice emphasizes the importance of explaining all options to Clients, and the relative advantages and disadvantages of each approach. Before starting her own practice in 2006 in Bethesda, Maryland, Karen was an Associate in the National Tax Department of a “Big Four” accounting firm. Her work focused on the tax aspects of complex business transactions, including executive compensation plans, joint ventures, mergers and acquisitions, LLC operating agreements, and forming...
Todd Joseph Mannis
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Todd Joseph Mannis
Calabasas, CA Bankruptcy Attorney with 34 years of experience
(818) 591-9890 4766 Park Granada
Suite 101
Calabasas, CA 91302
Bankruptcy
Loyola Law School
Steven Abraham Wolvek
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Steven Abraham Wolvek
Calabasas, CA Bankruptcy Attorney with 34 years of experience
(818) 227-3379 23480 Park Sorrento
Suite 109A
Calabasas, CA 91302
Bankruptcy
David Ian Brownstein
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David Ian Brownstein
Woodland Hills, CA Bankruptcy Attorney with 26 years of experience
(818) 905-0000 21700 Oxnard Street
Suite 1160
Woodland Hills, CA 91367
Bankruptcy and Business
UC Hastings COL
Laura Juanita Portillo
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Laura Juanita Portillo
Westlake Village, CA Bankruptcy Lawyer with 28 years of experience
(805) 203-6123 5716 Corsa Ave
Suite 207
Westlake Village, CA 91362
Bankruptcy and International
Pepperdine University School of Law and Pepperdine University School of Law
Stella Anne Havkin
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Stella Anne Havkin
Woodland Hills, CA Bankruptcy Lawyer with 36 years of experience
(818) 999-1568 5950 Canoga Ave Ste 400
Woodland Hills, CA 91367
Bankruptcy
UC Hastings COL and University of California College of the Law, San Francisco
Mr.  Lloyd Douglas Dix
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Mr. Lloyd Douglas Dix
Calabasas, CA Bankruptcy Lawyer with 41 years of experience
(818) 526-1200 22287 Mulholland Highway
PMB 414
Calabasas, CA 91302
Bankruptcy, Criminal Defense and DUI & DWI
McGeorge School of Law Univ of the Pacific
Leon Bayer
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Leon Bayer
Encino, CA Bankruptcy Attorney with 45 years of experience
(800) 477-3111 16055 Ventura Blvd, Suite 811
Encino, CA 91436
Free ConsultationBankruptcy and Consumer
University of LaVerne College of Law
Leon Bayer has successfully represented clients in bankruptcy for over 40+ years. He is frequently called upon by the media, the California Bar and other associations to provide insight and help educate attorneys on bankruptcy issues.
Victor J. Yoo
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Victor J. Yoo
Studio City, CA Bankruptcy Lawyer with 30 years of experience
(888) 553-8000 4400 Coldwater Canyon Suite 300
Studio City, CA 91604
Bankruptcy, Business, Estate Planning and Tax
Southwestern University School of Law
Mr. Yoo's practice focuses on tax and bankruptcy litigation. He has represented clients in both criminal and civil cases against the California Franchise Tax Board, State Board of Equalization and Employment Development Department and Internal Revenue Service (IRS). He has handled matters including IRS and sales tax audits, tax fraud investigations, Report of Foreign Bank and Financial Accounts (FBAR) and innocent spouse claims. Mr. Yoo also represents debtors and creditors in Chapter 7, 11 & 13 bankruptcy proceedings, including tax bankruptcy cases.
Matthew David Resnik
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Matthew David Resnik
Encino, CA Bankruptcy Attorney with 28 years of experience
(818) 285-0100 17609 Ventura Boulevard,
Suite 314
Encino, CA 91316
Free ConsultationBankruptcy, Business, Consumer and Real Estate
University of West Los Angeles School of Law
Matthew Resnik received his Juris Doctorate in 1996. Matthew Resnik has dedicated his legal career exclusively to Consumer Bankruptcy, representing financially distressed individuals against their creditors. Dedicated to equalizing the playing field between consumers and creditors, Matthew Resnik founded Simon Resnik LLP in 2003. Simon Resnik was later merged with Resnik Hayes Moradi in 2018.

Matthew Resnik has served as a keynote speaker at numerous seminars relating to the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. Matthew Resnik is a member of Los Angeles County Bar Association, Beverly Hills Bar Association, and actively involved in the National Association...
Gregory Mark Shanfeld
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Gregory Mark Shanfeld
Sherman Oaks, CA Bankruptcy Attorney with 30 years of experience
(818) 658-2669 15233 Ventura Blvd, Suite 1000
Sherman Oaks, CA 91403
Free ConsultationBankruptcy and Foreclosure Defense
University of Southern California Gould School of Law
As a founding partner at the firm Wadhwani & Shanfeld, Southern California lawyer Greg Shanfeld offers counsel to debtors from all walks of life. Mr. Shanfeld began his legal career in the year 1994, and has practiced in both California and Texas. On the website Avvo.com, he has been recognized with a rating of 8.6 Excellent. He is a graduate of UCLA and the USC Law School. To learn more information about his firm, contact the firm today.
Randall Vern Sutter
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Randall Vern Sutter
Westlake Village, CA Bankruptcy Lawyer with 18 years of experience
(805) 650-7100 4333 Park Terrace Drive, Suite 120
Westlake Village, CA 91361
Free ConsultationBankruptcy, Business, Employment and Estate Planning
Ventura COL
As a founding Partner, Randall Sutter is involved in the daily operations of the law firm with emphasis in the following practice areas: Bankruptcy and Consumer Advocacy: Mr. Sutter helps individuals and small businesses develop asset protection strategies and counsels various options for eliminating or restructuring debt and liabilities. Not only is Mr. Sutter knowledgeable in Chapter 7 and Chapter 13 bankruptcy cases, but he has also successfully confirmed plans for complicated Chapter 11 reorganization cases. General Business Counsel: As a business owner and entrepreneur for 25 years, Mr. Sutter brings a unique perspective to helping small...
Parham Patrick Parhami
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Parham Patrick Parhami
Encino, CA Bankruptcy Lawyer with 24 years of experience
(818) 205-2445 6345 Balboa Blvd., Suite 247
Encino, CA 91316
Free ConsultationBankruptcy, Business, Estate Planning and Personal Injury
Southwestern University School of Law
The areas of focus are Personal Injury, Contracts, Business Management, Business Formation (Corporation and LLC), Real Estate, Bankruptcy, Debt Settlement, Estate Planning and Banking. In addition to practicing law, the second part of the firm concentrates on Business Management section in which focus is on accounts payable, accounts receivable, paying bills, doing all tax work and anything else the client is interested in. Lastly, the firm concentrates on business consulting for anyone who currently has a business or plan to start a business.
Raymond Jake Bulaon
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Raymond Jake Bulaon
Valencia, CA Bankruptcy Lawyer with 27 years of experience
(888) 256-8581 25000 Avenue Stanford
Suite 262
Valencia, CA 91355
Free ConsultationBankruptcy and Tax
Kensington Univ COL
Pasadena bankruptcy attorney Ray Bulaon is founder of the Ray Bulaon Law Offices, Inc., a firm providing residents of Los Angeles, Ventura, San Bernardino, and Riverside counties with legal services on the matter of bankruptcy. Mr. Bulaon has practiced law for 17 years and he has helped more than 5,000 individuals and small businesses navigate through the bankruptcy process. He has an 8.2 Excellent rating on Avvo.com. Mr. Bulaon is a member of the National Association of Consumer Bankruptcy Attorneys, the Los Angeles Bankruptcy Forum, and the Central District Consumer Bankruptcy Attorneys Association. Contact his firm today to request a...
James Geoffrey Beirne
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James Geoffrey Beirne
Encino, CA Bankruptcy Attorney with 31 years of experience
(818) 224-4500 16633 Ventura Blvd.
Suite 1200
Encino, CA 91436
Free ConsultationBankruptcy, Estate Planning and Immigration
Southwestern Law School
Over 20 years experience with consumer Chapter 7 and Chapter 13 bankruptcies, lien avoidance and income tax discharge.
Louis Jay Esbin
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Louis Jay Esbin
Stevenson Ranch, CA Bankruptcy Lawyer with 39 years of experience
(661) 254-5050 25129 The Old Road, Suite 114
Stevenson Ranch, CA 91381
Bankruptcy, Business, Consumer and Real Estate
Golden Gate University School of Law
Louis J. Esbin is a Financial Lawyer with over twenty-four years of experience in Bankruptcy, Commercial Law, Secured and Unsecured Transactions, Buy-Outs, and Litigation, representing individuals, small businesses, corporate start-ups, as well as clients from Wall Street Broker Dealers, Las Vegas Casinos, Banks, and Nonbank Lenders. He is the only Certified Bankruptcy Specialist by the State Bar of California Board of Legal Specialization practicing in the Santa Clarita Valley. He was a founding member and during 2008, he was president of the Central District Consumer Bankruptcy Attorneys Association (with 160 members the second largest consumer bankruptcy attorney association in the...
Rajesh Wadhwani
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Rajesh Wadhwani
Sherman Oaks, CA Bankruptcy Lawyer with 27 years of experience
(818) 839-2487 15233 Ventura Blvd, Suite 1000
Sherman Oaks, CA 91403
Free ConsultationBankruptcy, Estate Planning, Foreclosure Defense and Tax
Southwestern Univ School of Law
Raj Wadhwani is a Southern California bankruptcy lawyer and a founding shareholder at the firm Wadhwani & Shanfeld. Attorney Wadhwani has more than 17 years of experience practicing as an attorney. He has a Bankruptcy Board Certification from the American Board of Certification, and he is also a licensed real estate broker. Mr. Wadhwani received his J.D. from the Southwestern University School of Law. Get in touch with his firm for a no-cost case evaluation.
Bahram Madaen
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Bahram Madaen
Sunland, CA Bankruptcy Attorney with 20 years of experience
(818) 908-2618 8716 Sun Land Blvd
Sunland, CA 91040
Free ConsultationBankruptcy, Family and Real Estate
Southwestern University School of Law
Attorney Madaen has been active in litigation whether in Bankruptcy, real estate, or contract litigation since becoming attorney in February of 2004. He attended California State University Los Angeles for his undergrad school in international business and economy. He have been constantly in trade and business and he was the owner of several businesses. He speaks Spanish and Farsi. He strive to give the best services to clients.
Mark Thomas Young
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Mark Thomas Young
Valencia, CA Bankruptcy Lawyer with 45 years of experience
(661) 360-1211 25152 Springfield Court
Suite 345
Valencia, CA 91355
Free ConsultationBankruptcy, Business, Probate and Real Estate
University of California - Davis
As a partner at Donahoe & Young LLP, Santa Clarita attorney Mark T. Young offers legal services for bankruptcy, business law, estate planning and civil litigation issues. He has more than 35 years of experience in the legal community. Mr. Young received his undergraduate degree from the University of California Los Angeles and his Juris Doctor from the University Of California Davis School Of Law. He is AV Preeminent® rated by Martindale-Hubbell®. In addition to his legal work, he serves on the board of directors of the Santa Clarita Community Development Corporation. Contact his firm today for a complimentary consultation.
Mrs. Chirnese L Liverpool
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Mrs. Chirnese L Liverpool
Van Nuys, CA Bankruptcy Attorney with 16 years of experience
(818) 714-2200 6277 Van Nuys Blvd Suite 126
Van Nuys, CA 91401
Free ConsultationBankruptcy and Immigration
North Carolina Central University School of Law
I am an experienced bankruptcy and immigration lawyer. I am licensed in California and Nevada so I handle cases in both states. I understand all of the steps and important matters relating to these legal proceedings. I have represented hundreds of debtors and immigration clients. Please feel free to call (818) 714-2200 or e-mail us for a FREE consultation or visit our websites http://www.liverpoollegal.com OR http://www.immigrationlawyersandadoptionattorneys.com for more information.
Michael H. Moghtader
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Michael H. Moghtader
Oxnard, CA Bankruptcy Lawyer with 24 years of experience
(800) 360-3038 220 S. A Street,
Suite 9
Oxnard, CA 93030
Free ConsultationBankruptcy, DUI & DWI, Immigration and Personal Injury
Univ of West Los Angeles
I, Michael H. Moghtader, am the founder and CEO of the MHM LAW GROUP, A Proffessional Law Corporation. I attended California State University, Los Angeles in 1987 where I received my Bachelors Degree and obtained my law degree in 1997. I was admitted to the California Bar, US District Court and is a member in good standing. My practice involves Immigration and Personal Injury.

Furthermore, I am well recognized in having a perfect track record and known for my reputation in winning almost impossible cases. My extensive knowledge among many areas of law, place clients at an advantage, because most...
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