Public Service Loan Forgiveness Flyer: Fill & Download for Free

Prioritize. First, get a budget where you allocate your net income. Food, shelter, basic utilities, transportation, debt service, then luxuries.Food: No eating out. It’s PBJ and egg sandwich time. Red beans and rice works too.Shelter: Depending on your income, you may be moving or taking in a paying roommate. Perhaps you’ll be the one to look for a “roommate wanted” flyer in your company break room or at a nearby university. If you can’t afford that, I hope your family will let you camp out at home a bit longer.Utilities: Electricity, water, trash, and a cheap flip phone (not a $100/month smart one) keeps you comfortable. Get a $35-$75 TV antenna at Walmart and get your TV for free from local broadcast stations. Want to watch s movie—find a Redbox. Ditch cable or satellite until you’re debt free. Those are luxuries.Transportation: Keep paying for your car unless you can save money on trading it in. Let’s assume you’re in debt and upside down on the loan. Keep paying for the car. You don’t need a warranty. You need to save to pay for expected maintenance, repairs, tires, and a battery, etc. Don’t wait to buy a battery until yours dies. Get someone to look at it, tell you how old it is, and how long it’s warranty is. If you have a three-year battery and you’re within six months of that, replace it now or maybe next month. Your boss doesn’t care if your battery died—plan ahead to be able to get to work.Debt service: Contact your student loan service company. Look into income-based repayment plans. Do you work for for a public/government employer or a non-profit employer (like a hospital, charity, etc.)? If so, ask about the Public Service Loan Forgiveness Program. Get on a payment plan with the IRS. Generally, if you can pay your debt over 36 months, the IRS will approve your offer to do so.Learn about personal finance. Only you can manage your life. I like Dave Ramsey’s stuff.If employment is a struggle, look into getting your commercial driver’s license and drive 18-wheelers. You can be getting a dozen job offers while in school (8 weeks or so). Many trucking companies will pay you to go to one of their own schools, but check out your local community college too. After that, look at the jobs open in the military. You might like being an air-traffic controller or a MRI technician. Not everyone in the military is in the infantry. Then again, you might dig being in the infantry—I did.

Q. Which colleges offer a scholarship for pharmacy careers?A. Quite a few scholarships are available.Top Scholarships for Pharmacy School Students - NerdWalletRYAN ZUROWSKI December 20, 2012This article was last updated on Jan. 26, 2015.The cost of pharmacy school — like most professional schools — has risen significantly, and students often face a heavy debt load by the time they graduate. Schools generally offer some form of financial aid, but it isn’t always enough. If you’re in pharmacy school and trying to reduce your loan debt or if you’re an undergraduate planning to go to pharmacy school, check out these scholarships.TO FIND MORE SCHOLARSHIPS, CHECK OUT OUR SCHOLARSHIP SEARCH.Tylenol Future Care ScholarshipsSponsored by McNeil Consumer Healthcare, these scholarships are for undergraduates and graduate students in medicine and health care. They recognize academic excellence, leadership and community involvement. To apply, you must be a resident of the U.S.; enrolled in a health care related field at an accredited college or university, graduate school or vocational/technical school; and have one year remaining in your program.Express Scripts Scholars ProgramFunded by the Express Scripts Foundation, this scholarship supports students with diverse interests who pursue dual degrees. The award can be used for tuition, fees, books or other costs of attendance. The foundation gives special consideration to low socioeconomic status students, as well as students who are underrepresented minorities.American Pharmacists Association Foundation Student Scholarship ProgramThis program supports students who invest time in their school’s American Pharmacists Association-Academy of Student Pharmacists chapter to help shape the profession. To qualify, you must demonstrate strong academic performance, involvement in school and community activities, and potential to become a leader in the profession of pharmacy.American Society of Health System Pharmacists Student Leadership AwardsThe ASHP Student Leadership Awards Program supports students who have demonstrated leadership ability and have an interest in pharmacy practice. To be eligible, you must be a pharmacy student in your second, third or fourth year of the program. The award consists of a plaque, an ASHP drug information reference library, and a cash award provided by the ASHP Research and Education Foundation through the Walter Jones Memorial Pharmacy Student Financial Aid Fund.Allied Healthcare Scholarship ProgramThis scholarship is for undergraduate students enrolled in an Allied Healthcare program field such as pharmacy or pharmacy technician. To qualify, you must be willing to work for a certain period of time in an area that is medically underserved; be legally eligible to work in California; and must not have any other service obligation.RESPy AwardPharmacy Times sponsors this award, which honors outstanding student pharmacists who display exemplary behavior and great potential as community pharmacist candidates. To qualify, you must have a record of voluntary public service activities, a high level of professional/public health-related activities outside the classroom, and a demonstrated effort to advance the profession of pharmacy. To be considered, your pharmacy school dean must nominate you. Winners receive a cash award and a summer internship with Walmart.American Foundation for Pharmaceutical Education ScholarshipsAFPE provides funding for a range of scholarships:Undergraduate Research Scholarship ProgramsThe aim of this program is to increase the number of students who undertake a faculty-mentored research program and then enroll in a Ph.D. program in basic, clinical or administrative pharmaceutical science. The majority of money awarded consists of a stipend for your academic research project. The foundation gives preference to students who need relevant research experience in order to decide whether they want to pursue a Ph.D. in the pharmaceutical sciences. To qualify, you need to be an enrolled student, have completed one year of the degree program and be nominated by the faculty member you’ll work with.First-Year Graduate School Fellowships in Pharmaceutical ScienceThese fellowships target students who are members of Kappa Epsilon, Phi Lambda Sigma and Rho Chi and who plan to pursue a Ph.D. in pharmaceutical science.Pre-Doctoral Fellowships in Pharmaceutical ScienceThese fellowships are for outstanding Ph.D. candidates who are enrolled in pharmaceutical science Ph.D. programs in the U.S. You get up to two years of financial support as you prepare for professional positions in the pharmaceutical industry and in academia.Pre-Doctoral Fellowships in Clinical Pharmaceutical ScienceThese fellowships are for Ph.D. candidates enrolled in clinical pharmaceutical science programs in the U.S. You can receive up to two years of support as you prepare for professional positions in the pharmaceutical industry and academia.Minority Pre-Doctoral Fellowships in Pharmaceutical ScienceThese fellowships are for minority Ph.D. candidates enrolled in pharmaceutical science programs in the U.S. You can receive up to two years of support as you prepare for professional positions in the pharmaceutical industry and in academia.Minority Pre-Doctoral Fellowships in Clinical Pharmaceutical ScienceThese fellowships are for minority Ph.D. candidates enrolled in clinical pharmaceutical science programs in the U.S. You can receive up to two years of support as you prepare for professional positions in the pharmaceutical industry and in academia.National Community Pharmacists Association Foundation ScholarshipsThe NCPA Foundation funds several scholarships to support students who demonstrate strong leadership qualities and high academic achievement. To be eligible, you must be an NCPA student member.Presidential ScholarshipsFor students with a demonstrated interest in independent pharmacy.J.C. and Rheba Cobb Memorial ScholarshipFor students with a demonstrated interest in government activities.Willard B. Simmons Memorial ScholarshipFor students with a demonstrated interest in independent pharmacy management.Partners in PharmacyFor students who demonstrate a strong commitment to community service and independent pharmacy.Neil Pruitt Sr. Memorial ScholarshipFor students with a demonstrated interest in entrepreneurship.Indian Health Service Scholarship ProgramThe Indian Health Service funds a number of scholarships for Alaska Native/American Indian U.S. citizens or their descendants. They include:Preparatory ScholarshipThis scholarship provides tuition and required fees for qualified students who are preparing for professions in the health field by enrolling in undergraduate courses at nursing, pharmacy or other such schools. Preparatory courses are defined as those that are required to improve science, mathematics or other basic skills and knowledge. The qualification criteria are lengthy, so consult the scholarship handbook to see if you’re eligible.Pre-Graduate ScholarshipThe Pre-Graduate scholarship provides tuition and required fees for qualified students to enroll in courses leading to a bachelor’s degree in pre-medicine, pre-dentistry, pre-podiatry and others as needed by the Indian health programs. This program is designed to prepare you for admission to an accredited medical, dental, pharmacy or other health profession school.Health Professions ScholarshipThe Health Professions scholarship provides financial aid covering tuition, fees, and educational and living expenses for qualified students who are applying to, accepted by or enrolled in a health profession program. You incur a service obligation if you accept funding from this program, and priority is generally given to graduate students and junior- and senior-level undergraduates.More ways to payThe scholarships on this list are all great ways to help pay for college. But be sure to fill out the Free Application for Federal Student Aid so you get other sources of financial aid, too. The FAFSA is the key to unlocking grants, work-study opportunities and even additional private scholarships. Learn more about the FAFSA.AACP > Resources > Student Center > Financial Aid and ScholarshipsFinancial Aid and ScholarshipsThe American Association of Colleges of Pharmacy (AACP) does not administer any financial assistance programs directly to students. Federal and state grants and scholarships, although widely available, are generally reserved for the most economically disadvantaged students. Your college advisors are often the best sources of information about loan, grant and scholarship programs. Additionally, pharmacy colleges and schools may offer financial assistance. Other financial assistance opportunities are provided below.Financial Aid OverviewWhat is all of this going to cost?How much your education will cost depends on where you enroll, distance to your hometown and the extent to which public dollars are used to support the pharmacy institution. As you make plans to fund your education, remember that every dollar you spend is a dollar well-invested. The return in direct salary benefits and other less tangible gains will be far less than your initial investment.AACP does not administer any financial assistance programs directly to students. Federal and state grants and scholarships, although widely available, are generally reserved for the most economically disadvantaged students. Your college financial aid advisors are often the best sources of information about loan, grant and scholarship programs.Additionally, pharmacy colleges and schools may offer financial assistance directly to students. Pharmacy colleges and schools also administer student financial assistance funds provided by local or state pharmaceutical associations and their auxiliaries, practicing pharmacists, drug manufacturers and wholesalers, memorial funds and foundations, alumni associations, local chapters of pharmaceutical organizations and fraternities, as well as general university funds allocated for this purpose. For further information about aid that may be available, write to the college or school of pharmacy of your choice. Pre-professional students may be eligible to receive similar assistance from the community colleges or universities they plan to attend before entering professional schools.Potential Grants and ScholarshipsExpress Scripts Scholars Program - AACP works with Express Scripts to facilitate the application process for the Express Scripts Scholars Program. As an organization, Express Scripts recognizes that students interested in dual degrees may have increased financial need and supports the efforts of academic pharmacy to educate students with diverse interests. The Express Scripts Scholars Program will provide four (4) $10,000 scholarships to enrolled dual degree students each year. The awarded students are given $2,500 per semester for 4 consecutive semesters, totaling $10,000 over 2 years. Application Deadline: The 2017 application will open in April 2017. Questions? E-mail [email protected] Loans and Grants - Information about federal aid for undergraduate and professional student pharmacists.Explore Health Careers' Financial Aid Tool - This site includes some portable, non-school-specific funding. In addition, research the availability of financial aid opportunities offered by pharmacy schools.Guide to College Financing for Students and Parents - To help you learn more about paying for a college education, this site offers helpful resources, including information on college planning, saving for college, Scholarships, student loans, parent loans and college financing processes.RESPy Award - Pharmacy Times and Walmart award honors outstanding student pharmacists who display exemplary behavior and great potential as community pharmacist candidates.Tylenol® Future Care Scholarship - Started in 1992, this program helps students who are pursuing careers in the medical field manage the rising costs of education.American Foundation for Pharmaceutical Education - AFPE provides funding for research scholarships, graduate school scholarships, pre-doctoral fellowships in the pharmaceutical sciences, post-Pharm.D. fellowships in the biomedical research sciences and pharmacy faculty new investigator grants.Indian Health Service Division of Health Professions Support - The Federal IHS provides and administers scholarships, externships, loan repayment, recruitment, grants and other career support services to assist healthcare professionals in Indian health programs across the nation.HRSA’s Scholarship for Disadvantaged Students (SDS) Program - This program increases diversity in the health professions and nursing workforce by providing awards to eligible health professions schools for use in awarding scholarships to students from disadvantaged backgrounds who have financial need, including students who are members of racial and ethnic minority groups. Accredited schools of medicine, osteopathic medicine, dentistry, nursing, pharmacy, podiatric medicine, optometry, veterinary medicine, public health, chiropractic, allied health, a school offering a graduate program in behavioral and mental health practice, or an entity providing programs for the training of physician assistants are eligible.Check with your financial aid office to see if your school participates in the Scholarships for Disadvantaged Students program.HCPC Patient Adherence Student Packaging Design Competition - The Healthcare Compliance Packaging Council is a not-for-profit trade association whose mission is to promote the greater use of compliance-prompting packaging to improve patient adherence and patient outcomes. The organization has instituted a scholarship competition for pharmacy and/or packaging students to design pharmaceutical packaging that will meet criteria as described on the competition flyer. The winning design will win a $1,000 scholarship and the runner-up will win a $500 scholarship. Deadline for concept outlines is February 15, 2017, with final designs/renderings due April 14th. Winners have the ability to receive their awards at the HCPC RxAdherence2017 conference in Florham Park, NJ on May 2, 2017. For more information, please see the attached rules and contact [email protected] Ambrose Scholars Program -The Paul Ambrose Scholars Program exposes health professions students to influential public health professionals and prepares them to be leaders in addressing population health challenges at the national and community level. Scholarships are awarded to students to conduct a community-based health education project at their institution. Since 2002, more than 600 students from 160 academic institutions have become Paul Ambrose Scholars, equipped with leadership and organizational skills in public health education that can only be found outside of the classroom.Alcohol Addiction Awareness Essay Contest - AlcoRehab is an organization devoted to providing free support and resources for those who are fighting alcohol addiction and their loved ones. The Alcohol Addiction Awareness Essay Contestwill award $6,000 in scholarships to students, who share their vision on the dangers of alcohol abuse and addiction. To be eligible, candidates must be enrolled in a full-time graduate or undergraduate program at a U.S. institution. Three students will be selected to receive the awards.Scholarship Search ToolLast updated on: 11/16/2016 10:30 AM25 Great Scholarships for Pharmacy StudentsFollowSince there is currently a shortage of pharmacists to keep up with the increased demand for patient services and growing number of prescriptions filled each year, many organizations are offering scholarships for pharmacy students to encourage qualified individuals to fulfill open positions in the field.Along with years of schooling and difficult coursework, pharmacy school entails steep tuition bills that most students cannot afford to pay on their own. Luckily, the following are 25 of the most generous scholarships available specifically for pharmacy students to lessen the financial burden of achieving their rewarding career goals as a pharmacist.1. AFPE Gateway Research ScholarshipDeadline: March 31stSponsored by the American Foundation for Pharmaceutical Education (AFPE), the Gateway Research Scholarship is designed to grant up to $5,000 for promising pre-professional or baccalaureate pharmacy degree students in order to support their participation in a faculty-mentored research project. Eligible candidates must have completed at least one year of college, be enrolled full-time, be a U.S. citizen, and submit a personal letter explaining their career interests in pharmaceutical sciences.ContactAFPE Gateway Research Scholarship2107 Wilson Blvd. Suite 700Arlington, VA 22201(703) [email protected]. Air Force Health Professions ScholarshipDeadline: OngoingFor those interested in active duty upon graduation, the Air Force Health Professions Scholarship program provides up to $45,000 each year with a monthly stipend of $2,060 to cover living expenses for aspiring pharmacists, optometrists, clinical psychologists, nurses, medical doctors, dentists, and public health officers. Qualified candidates must be U.S. citizens, be accepted at an accredited graduate institution, and sign an agreement to serving one year per year of participation.ContactAir Force Health Professions Scholarship1690 Air Force PentagonWashington, DC 20330(800) 588-5260http://www.airforce.com/opportunities/healthcare/education3. American Pharmacists’ Association Student ScholarshipDeadline: December 1stIn recognition of students who choose to invest their time in their school’s APhA chapter while managing the demands of a full-time pharmacy curriculum, the American Pharmacists’ Association (APhA) Student Scholarship awards up to $3,000 annually to members who have completed at least one academic year of the professional program. Eligible applicants must show active participation in their chapter’s activities and have a cumulative GPA of 2.7 or better.ContactAmerican Pharmacists’ Association Student Scholarship2215 Constitution Avenue NWWashington, DC 20037(202) [email protected]. Anne S. Chatham Fellowship in Medicinal BotanyDeadline: January 31stSponsored by the Garden Clubs of America, the Anne S. Chatham Fellowship in Medicinal Botany provides at least one grant of $4,500 annually to currently enrolled Ph.D. or Pharm.D. students who wish to assist medical science in its ability to protect lives by conducting research on medicines from plants with therapeutic potential. Applicants must submit a brief application letter, two-page research proposal, financial budget, current curriculum vitae, and letter of recommendation from faculty advisor.ContactAnne S. Chatham Fellowship in Medicinal Botany14 East 60th St. Third FloorNew York, NY 10022(212) [email protected]. Christian Pharmacist Fellowship International ScholarshipDeadline: October 1stWith the mission of encouraging students to pursue a career that advances the Kingdom of Jesus Christ and the profession of pharmacy, the Christian Pharmacist Fellowship International Scholarship is offered for up to $2,500 to students enrolled in accredited pharmacy colleges for the advancement of knowledge and ethics in the practice of pharmacy with an integration of faith. Preference will be given to students who are current members of a college chapter of the national CPFI organization.ContactChristian Pharmacist Fellowship International Scholarship4301 West Markham St.Little Rock, AR 72205(501) [email protected]. Coal County Scholarship for Pharmacy StudentsDeadline: May 1stAdministered by the Kentucky Higher Education Assistance Authority (KHEAA), the Coal County Scholarship for Pharmacy Students provides financial aid to Kentucky residents who are actively pursuing a pharmacy degree from an accredited school of pharmacy in the state. Recipients of the scholarship funding must agree to work at least one year as a full-time licensed pharmacist in a Kentucky coal-producing county upon degree completion.ContactCoal County Scholarship for Pharmacy Students100 Airport Rd.Frankfort, KY 40602(502) [email protected]://www.kheaa.com/website/kheaa/convloan_pharmacy?main=27. CVS Caremark Charitable Trust Pharmacy ScholarshipDeadline: May 1stThe CVS Caremark Charitable Trust Pharmacy Scholarship is designed to advance the business of pharmacy by providing financial support to the most promising pharmacists of tomorrow as they complete their education. In order to be eligible for up to $5,000 in scholarship funding, students must be currently enrolled at an institution in the United States or Puerto Rico accredited by the Accreditation Council for Pharmacy Education (ACPE) full-time.ContactCVS Caremark Charitable Trust Pharmacy ScholarshipOne CVS DriveWoonsocket, RI 02895(401) [email protected]. Dr. B. Olive Cole Graduate Educational GrantDeadline: November 1stEstablished by the international professional pharmacy fraternity known as Lambda Kappa Sigma, the Dr. B. Olive Cole Graduate Educational Grant is available for up to $2,500 to members in good standing who are currently enrolled in a licensure eligible U.S. pharmacy degree program full-time. Qualified candidates must have successfully completed at least one-fourth of the program’s required credits and rank in the upper half of their class academically.ContactDr. B. Olive Cole Graduate Educational GrantP.O. Box 570Muskego, WI 53150(262) [email protected]. Express Scripts Scholars ProgramDeadline: May 15thIn order to support the efforts of academic pharmacy by educating students with diverse interests, the Express Scripts Scholars Program provides four $10,000 scholarships to graduate students enrolled full-time in a professional pharmacy degree program accredited by the ACPE to pursue a dual degree in another field closely related to pharmacy. Selection for the scholarships will be strongly based on career goals, professional involvement, work experience, and financial need from low-socioeconomic status.ContactExpress Scripts Scholars Program1727 King St.Alexandria, VA 22314(703) [email protected]. Francis C. Bowden Memorial ScholarshipDeadline: November 1stSponsored by the Alaska Pharmacists Association (AkPhA), the Francis C. Bowden Memorial Scholarship program provides $1,500 for professional pharmacy students, $1,000 to pre-pharmacy students, and $500 to pharmacy technician students. For consideration, applicants must be Alaska residents, be enrolled in a pharmacy degree program at an ACPE-accredited school of pharmacy in the state, and submit a personal statement discussing Alaskan background and career goals helping the association.ContactFrancis C. Bowden Memorial Scholarship203 West 15th Avenue Suite 100Anchorage, AK 99501(907) [email protected]://www.alaskapharmacy.org/html/resources/scholarships.php11. Health Resources and Services Administration Scholarships for Disadvantaged StudentsDeadline: VariesAdministered by the U.S. Department of Health and Human Services, the Health Resources and Services Administration distributes Scholarships for Disadvantaged Students for varying amounts to students at participating accredited health profession schools with a major in osteopathic medicine, dentistry, veterinary medicine, optometry, podiatry, pharmacy, chiropractic, mental health, public health, nursing, or allied health. Qualified students must be from medically underserved communities with a low-level income based on family size.ContactHealth Resources and Services Administration Scholarships for Disadvantaged Students5600 Fishers LaneRockville, MD 20857(887) [email protected]. J.C. and Rheba Cobb Memorial ScholarshipDeadline: March 15thEach year, the National Community Pharmacists Association (NCPA) Foundation grants the J.C. and Rheba Cobb Memorial Scholarship for $2,000 with a $300 travel stipend to attend the annual convention for pharmacy student members who are currently enrolled in an accredited U.S. college of pharmacy on a full-time basis. Recipients will be chosen on the basis of demonstrated interest in governmental affairs, leadership qualities, involvement in extra-curricular professional activities, and academic achievement.ContactJ.C. and Rheba Cobb Memorial Scholarship100 Daingerfield Rd.Alexandria, VA 22314(703) [email protected]. Jack and Frances Fruth Family Pharmacy ScholarshipsDeadline: March 5thFor students enrolled at Marshall University, West Virginia University, the University of Charleston, Ohio State University, and the University of Rio Grande, the Parkersburg Area Community Foundation offers up to 25 Jack and Frances Fruth Family Pharmacy Scholarships annually. Qualified candidates must be enrolled full or part-time, have a minimum cumulative GPA of 2.5 or higher, and be pursuing an accredited degree in pharmacy.ContactJack and Frances Fruth Family Pharmacy Scholarships4016 Ohio River Rd.Point Pleasant, WV 25550(304) [email protected]. Luther and Mary Ann Park ScholarshipDeadline: Contact sponsoring organizationIn honor of a couple who dedicated more than 40 years of their lives to supporting pharmacy education in Texas, the Luther and Mary Ann Park Scholarship awards $1,000 to student members currently enrolled in their fourth professional year at an accredited college of pharmacy in Texas with a minimum cumulative GPA of 2.5 or higher. Applicants will be judged based on financial need, academic performance, involvement in professional activities, and potential for becoming a leader in Texas pharmacy.ContactLuther and Mary Ann Park Scholarship6207 Bee Cave Rd. Suite 120Austin, TX 78746(512) [email protected]://www.texaspharmacy.org/?TPFScholarship15. Maryland Pharmacists Association Student ScholarshipsDeadline: April 25thAnnually, the Maryland Pharmacists Association (MdPhA) awards three scholarships for $1,500 apiece to Maryland residents who are currently enrolled in an accredited degree program to pursue a career in the field of pharmacy and are in good academic standing with a minimum cumulative GPA of 2.5 or higher. Along with the application, candidates are asked to attach proof of Maryland residency, an official sealed transcript, a current CV or resume, two letters of recommendation, and a 750-word essay on professional objectives.ContactMaryland Pharmacists Association Student Scholarships1800 Washington Blvd. Suite 333Baltimore, MD 21230(410) [email protected]. Minnesota Rural Pharmacist Loan Forgiveness ProgramDeadline: January 3rdWith the goal of recruiting and retaining healthcare professionals to needed areas throughout the state, the Minnesota Department of Health has established the Rural Pharmacist Loan Forgiveness Program to provide funds for the repayment of qualified educational loans up to $64,000 to students and residents in their final year of training to become a licensed pharmacist. Participants must plan to practice for at least 30 hours per week, for 45 weeks per year, for a minimum of three years in a designated high-need rural area.ContactMinnesota Rural Pharmacist Loan Forgiveness ProgramP.O. Box 64975St. Paul, MN 55164(651) 201-5000http://www.health.state.mn.us/divs/orhpc/funding/loans/pharm.html17. Partners in Pharmacy Scholarship ProgramDeadline: March 15thFor student members of the National Community Pharmacists Association (NCPA) Foundation, the Partners in Pharmacy Scholarship Program offers $2,000 awards with a $300 travel stipend for attending the annual convention to pharmacy students who are currently enrolled at an accredited U.S. school of pharmacy on a full-time basis. Applicants must submit a recent official transcript, two letters of recommendation from a school official and pharmacy owner, and a resume outlining work experience and participation in professional activities.ContactPartners in Pharmacy Scholarship Program100 Daingerfield Rd.Alexandria, VA 22314(703) [email protected]. Phi Lambda Sigma First Year Graduate ScholarshipDeadline: February 1stAs the national pharmacy leadership society, Phi Lambda Sigma grants the First Year Graduate Scholarship to student members in the final year of an ACPE-accredited Pharm.D. program who are planning to start their first year in a graduate Ph.D. program upon completion. In order to qualify for the $7,500 award, applicants must submit two letters of recommendation, proof of enrollment, two-page personal statement on educational goals, a list of special honors, and an official college transcript with GRE scores.ContactPhi Lambda Sigma First Year Graduate Scholarship1450 Jayhawk Blvd.Lawrence, KS 66045(913) [email protected]. Plough Pharmacy StudentScholarship FundDeadline: April 1stAs a non-profit organization focused on bringing awareness to the comprehensive needs of the older citizens in our communities, the Plough Foundation awards up to 16 Pharmacy Student Scholarships annually for $5,000 apiece to full-time Doctor of Pharmacy (Pharm.D.) students who are enrolled at a participating college of pharmacy in the United States. Plough Scholars will be selected based on academic achievement, leadership qualities, good citizenship, professional involvement, and financial need.ContactPlough Pharmacy Student Scholarship Fund62 North Main St. Suite 201Memphis, TN 38103(901) [email protected]. Rite Aid Competitive Pharmacy ScholarshipsDeadline: VariesEach year, Rite Aid awards numerous competitive pharmacy scholarships for varying amounts to interns or dependents of Rite Aid employees who have completed at least 2 years of a pharmacy degree program and are enrolled full-time at an accredited institution. While it is required that all applicants have a minimum cumulative GPA of 2.5 and are U.S. citizens, preference will be given to those in Arkansas, Minnesota, and Wisconsin where the pharmacy has not established its retail presence yet.ContactRite Aid Competitive Pharmacy Scholarships30 Hunter LaneCamp Hill, PA 17011(717) [email protected]. Sacramento Valley Pharmacists Association Student ScholarshipDeadline: November 10thFor active members in good standing, the Sacramento Valley Pharmacists Association offers scholarships for $2,000 each to students who are currently enrolled in a school of pharmacy to pursue a professional Pharm.D. degree within the state of California. Eligible candidates must have lived a minimum of five years in Sacramento, attend at least six meetings each year, possess a cumulative GPA of 2.5 or higher, and write a two-page essay on future goals.ContactSacramento Valley Pharmacists Association Student Scholarship4030 Lennane DriveSacramento, CA 95834(916) [email protected]. Tylenol Future Care Scholarship ProgramDeadline: May 27thIn order to support students pursuing an education in healthcare, the Tylenol Future Care Scholarship Program presents at least 30 scholarships for $5,000 each and 10 scholarships for $10,000 each to students in the United states, Puerto Rico, or the District of Columbia who have completed at least one year of graduate studies in public health, allied health, medicine, nursing, and/or pharmacy. Qualified candidates must be enrolled at an accredited four-year institution, be in good academic standing, and demonstrate involvement in volunteer service.ContactTylenol Future Care Scholarship Program200 Crutchfield AvenueNashville, TN 37210(866) [email protected]://www.tylenol.com/news/scholarship23. Walmart Pharmacy Scholars ProgramDeadline: February 18thIn collaboration with the American Association of Colleges of Pharmacy (AACP), the Walmart Pharmacy Scholars Program provides $1,000 for up to 85 graduate students, professional doctoral students, residents, or fellows annually who are committed to a career in academic pharmacy and participate in the AACP Annual Meeting and Teachers Seminar. Applicants must submit a letter of recommendation from an advising faculty member and an essay exhibiting their interest in academic pharmacy.ContactWalmart Pharmacy Scholars Program1727 King St.Alexandria, VA 22314(703) [email protected]. Westshore Pharmaceutical Association ScholarshipsDeadline: March 15thAnnually, the Westshore Pharmaceutical Association offers four scholarships for $1,500 apiece to deserving students residing in Cuyahoga, Lorain, or Medina counties who are currently attending an accredited professional Pharm.D. degree program in pharmacy within Ohio. Preference for the awards is given to students who exhibit an interest in practicing in Cuyahoga or the surrounding counties and becoming involved in the organization’s efforts.ContactWestshore Pharmaceutical Association Scholarships2634 Westmoor Rd.Rocky River, OH 44116(440) [email protected]. William B. Simmons Memorial ScholarshipDeadline: March 15thEstablished by the National Community Pharmacists Association (NCPA), the William B. Simmons Memorial Scholarship provides $2,000 and a $300 travel stipend to attend the association’s annual convention for student members who are currently enrolled in an accredited U.S. school of pharmacy on a full-time basis. Selection will be made based on demonstrated interests in independent pharmacy management or entrepreneurism, leadership qualities, involvement in extra-curricular activities, and academic achievement.ContactWilliam B. Simmons Memorial Scholarship100 Daingerfield Rd.Alexandria, VA 22314(703) [email protected]://www.ncpafoundation.org/scholarships/simmons.shtmlIf you have a passion for helping patients feel better as quickly as possible and are seeking to become a respected member of the healthcare team with high levels of job stability, a career as a pharmacist may be the perfect option. In order to fulfill this professional goal and afford the years of schooling for earning a pharmacy degree without mountains of loan debt, check out these 25 excellent scholarships for pharmacy students just like you.6 Scholarships for Pharmacy SchoolPublished by Allison WignallWhen sickness rears its ugly head, pharmacists are there to answer the call for help. By dispensing medication and working with other healthcare professionals, pharmacists get people feeling better and back on their feet. The world needs pharmacists and so several scholarships have been founded in order to provide financial aid to the next generation–here are just a few opportunities available.APhA Student Scholarship ProgramAmount: $3,000 (renewable)Deadline: December 1For full-time students who have completed at least one academic year in a pharmacy program, and dedicate their time to their school’s APhA – Academy of Student Pharmacists chapter, this renewable scholarship is a great source for aid.To be eligible, students must: be an active member of their APhA – ASP chapter, have a cumulative GPA of 2.7 or higher, submit two letters of recommendation, and write a 500-word essay.Learn more about this scholarshipExpress Script Scholars ProgramAmount: Up to $10,000 ($2,500 per semester)Deadline: May 16This scholarship is awarded to promising students who are working towards a duel degree in pharmacy-related fields.The AACP’s interest is to provide financial aid to students with diverse interests.To apply, students: must be enrolled in a duel-degree program, be enrolled at an ACPE-accredited college/university, and write an essay describing why they want to be accepted into the program and what their career goals are.Learn more about this scholarshipHealth Resources and Services Administration Scholarships for Disadvantaged StudentsAmount: VariesDeadline: VariesThis scholarship is all about equality in the field of healthcare. Offered to medically disadvantaged students who are pursuing a degree in fields related to: medicine, pharmacy, nursing, public health, chiropractics, allied health, and others.Eligible students: are from a disadvantaged background (as defined by the US Department of Health and Human Services), are a citizen or permanent resident of the US, and are enrolled in an accredited college/university.Learn more about this scholarshipTYLENOL Future Care Scholarship ProgramAmount: $500-$2,500, $5,000, or $10,000Deadline: June 30 (annually)Tylenol wants to support future healthcare providers by offering numerous scholarships to academically excellent students. Awarded to students involved in their community, these scholarships provide aid to those studying a healthcare-related major.To apply to this scholarship, students must: be a resident of the US (Puerto Rico and DC included), if an undergrad the student has completed at least one academic year, if a grad student provide proof of enrollment, enrolled in an accredited college/university.Learn more about this scholarshipWalmart Pharmacy Scholars ProgramAmount: $1,000Deadline: February 18 (annually)Both the AACP and Walmart want to ensure that future pharmacists are well-prepared and equipped to enter the field. Students in this program receive financial aid in order to attend two AACP seminars with a teacher.To be eligible, students must: be either a graduate student, professional (doctoral) student, resident, or fellow, be preparing for a career in a pharmaceutical field, submit a letter of recommendation, and write an essay.Learn more about this scholarshipHCPC Compliance Package of the Year – Student CompetitionAmount: $500 second place, $1,000 first placeDeadline: February 29 (annually)This competition has students–or a team of students–design the most innovative and helpful packaging to assist patients in taking their medication properly. First students submit concept outlines, and once approved, can begin work on developing a prototype or 3D rendering.Eligible students: are enrolled in a packaging or pharmaceutical program, adhere by competition rules, stick to all deadlines.Learn more about this scholarship

What are the key takeaways from the SEC ICO guidance issued on April 3rd 2019?On the surface the SEC’s response to Turnkey Jet’s letter to the SEC of April 2nd 2019, drafted by J.P. Curry Esq. is highly problematic for it implies that a consent decree type agreement is necessary for the issuance of a token initial offering.This is phrased in terms of “the SEC will not recommend enforcement action…” which de-facto grants the SEC powers it does not have under current legislation. This grants the SEC implicit power to approve or better “recommend non enforcement” of undisclosed or non-existent legislative initiatives.This is very similar to the Open Internet Order protocols of 2010, that were initiated by the Federal Communications Commission without legislative authority, and eventually taken down in court subsequent to a multiyear legal challenge. That also means that unless you got Verizon grade legal funds, you have no business innovating in the token space or with blockchain.Explicitly it means nothing.The SEC’s April 3rd letter, in response to Turnkey Jet’s consent letter, as drafted by J.A. Ingram says nothing about its legal authority to intervene in the issuance of its “non enforcement” letter.It is purposefully unforceful since the authority is absent.It’s more of a “consent agree” extorted against the threat of administrative harassment. A serious enough threat, but they are not packing any ammo in the stated opinion.No Action, Interpretive and/or Exemptive Letter of April 3, 2019The SEC April 3rd 2019 “Public Statement”, “Statement on “Framework for ‘Investment Contract’ Analysis of Digital Assets” drafted by B. Hinman Director of Division of Corporate Finance, and by V. Szczepanik, Seniour Advisor for Digital Assets and Innovation, is on the other hand a little clearer as to their authority.Statement on “Framework for ‘Investment Contract’ Analysis of Digital Assets”Clearly stated: “…it may fall within the definition of a security under the US federal securities laws…” Which laws they do not say, for clearly the Securities Law of 1933 did not contemplate the notion of digital goods.Whatever “framework” they offer, would come under the guise of a white paper: Framework for “Investment Contract” Analysis of Digital AssetsThis is based entirely on the Supreme’s Courts Howey Definition from 1946.Regardless of precedent claimed, they are at least being honest about the precedent set:“This framework represents Staff views and is not a rule, regulation, or statement of the Commission. The Commission has neither approved nor disapproved its content. This framework, like other Staff guidance, is not binding on the Divisions or the Commission. It does not constitute legal advice, for which you should consult with your own attorney. It does not modify or replace any existing applicable laws, regulations, or rules. Market participants are encouraged to review all the materials published on FinHub.”End of statement.Explicitly it means nothing but implicitly it gives them power to curtail innovation.Sczczepanik goes further than this. Her statement at SXSW 2019 was that “We would much rather have people come in and ask us before they do something, than do it and ask for forgiveness later…”Forgiveness for what? Either the law specifically bans an activity, or its permissible a priori. If it’s not banned, or legislatively regulated, one is not required to ask permission to conduct business of any conceivable kind. This is an administrative state regulatory capture of the first order, absent any legislative authority.What is critical here is the pseudo consent decree they agreed to as negotiated by Curry Esq. Here is the link for the offending piece: https://www.sec.gov/divisions/corpfin/cf-noaction/2019/turnkey-jet-040219-2a1-incoming.pdfThis agreement is offensive on many levels. First and foremost on the simple basis that for two and a half millennia of roman jurisprudence, and seven hundred years of English common law thereupon based, the operating principle has been that “everything is permitted unless specifically banned or regulated.”Napoleon’s Code Civil des Francais of 1803, and Bismarck’s Prussian Code of 1873 states that “Everything is forbidden unless specifically allowed by law, regulated by the competent ministry, and permits granted and paid for”.The US would have to ditch the Constitution and the Bill of Rights for such a legal monstrosity to prevail. I think I would know if that had occurred.The short of it is that a digital coin offering is a figment of my imagination, and absent legislation, I am free to do with it as I please. That also extends to the sale, purchase or trade of imaginary pet rocks. I could also theoretically make a market for pet rocks, if it also pleased me.But lets look at the specifics of the Curry “negotiated pseudo consent agreement” that prompted the “no action” letter on the part of the SEC.Token is restricted to (p1): “Token sales cannot be used for platform development”. That means that they cannot be financed via coin issuance, ie a bet on the future value of the coin offering. That restricts financing, specifically to private funds only and bank loans, not VC backed public market accessed risk capital financing. It states “funds will be secured privately”. That means funds invested in technology development and deployment are not subject to leverage or the distribution of risk among different investments.Tokens must be “immediately useful” which means that that all tokens must be in use, or withdrawn. That’s a pseudo escrow account, not a token.Tokens might have a restriction on use limited to “charter flights”. They cannot be used for commercial air travel. That is a severe and restrictive definition of market that does not exist in law. The market is defined geographically for any given service or product (regionally, nationally or globally), for the purposes of anti trust. As written, it's a restraint of trade in the market for business travel, movements of goods, and air travel generally. The SEC has no authority to determine market. Only the Justice Department subject to the Sherman Act specifically and the Anti-Trust generally can make such a determination, if they can prove it in a Court of Law. It’s an administrative grab of somebody else’s turf, that bypasses judicial review.“Repurchases can only be made at a discount”. This is highly problematic because it does not allow the purchaser to get out of the purchase of a service he no longer finds useful. It also perverts the settlement process since the vendor has to negotiate his compensation, after he got nominally paid for services rendered at a given price.This also irrationally prices token supply negatively. The very definition of a property right presupposes the ability to resell the good. If that is gone, its no longer a property right. If its no longer property, then what exactly is it? A travel license subject to SEC review?If it's a pseudo coin (though not legal tender), the money supply is not within the purview of the SEC. The monopoly on the money supply was granted to the Federal Reserve Banking Corporation in 1913. It's a private corporation. If somebody is walking on their legislatively chartered monopoly, its their business, not the SEC’s. A cease and desist letter approved by a Judge is the only requirement if its a coin alternative.If it is not a storage of value, then one should be able to control the “not a coin” token supply, i.e. the volume of tokens in circulation. Absent that, there are either too many coins or too few to transact business.Since tokens must be purchased in advance, and held in escrow 1:1 against future use, there must be a guarantee that use can be made at market rates. If you restrict the ability to buy and sell them, you are at the mercy of the restricted pool of suppliers. Suppliers leaving because they are not happy with their inability to make a market for the token, or who are unhappy with the discount to redeem cash for services rendered, further curtail one’s ability to negotiate a market rate for the services.The inability to use the tokens for anything else other than “charter flights” means the tokens are perfectly illiquid. An illiquid coin with a market purposefully and legislatively restricted to a narrow sub market of the vertical, is sub optimal to the point of no longer being a transactional tool or pseudo coin. Its a captive prepayment mechanism that precludes a services discount against volume or future schedule capture.More critically, the tokens cannot be used as forward financial instruments, because they are not financial instruments. If they are not, it bewilders the mind as to why the SEC is involved in private contractual negotiations.They can only be used “for the immediate purchase of a charter flight”. That means it's a purchase against today’s availability, not tomorrow availability. If they cannot be used to hedge the future price of fuel, availability of equipment, landing rights, or parking slots, gates or personnel, they are not financial instruments. In which case, what has the SEC got to do with my ability to reserve a charter jet for next year’s Davos trip…? (Hehehehehe…).All business is based on one’s ability to efficiently price tomorrow’s needs, both goods and services. This is a pure restraint of trade on the part of a Securities Regulator. The SEC has no business deciding the future allocation of scarce resources by whatever means they are transacted.The non transferability of tokens across other digital domains, results is a mis allocation of technology invested funds. It precludes technology re-use.Domain restrictions are of course possible under Anti Trust, but that is not the legislative authority of the SEC. Regardless, you cannot restrict the applicability of a new technology. Even patent is very clear about this. It's a process, and a process necessarily is restricted to a specific industry. Using the same concept or idea as part of another industry’s process is perfectly permissible under patent law. Overly broad patents are rejected on this very basis. It is the purpose of patent law to restrict it to market process so that it can be re-used in other markets.While the patent is purposefully kept narrow, there is nothing that says that you cannot acquire the knowhow to apply it in another domain. There are no restrictions in law that disallow further investigation and application to other industries. A process patent for a separate domain is what is required, subject of course to a new filing with the PTO.It would seem that this agreement also trumps the PTO’s exclusive on the issuance of patents, and determining their reach.The pseudo consent decree also states unequivocally that the purpose is to reduce transactional fees like wire transfers, and other banking fees. If that were true, why would the agreement require 1:1 dollar deposit into a federally insured bank? Funds are released against escrow. Are escrow services cheaper than a check or a TT Wire transfer?If the tokens can only be exchanged for escrow amounts at a discount to face value, is that not more expensive than a normal banking transaction? If funds must be withdrawn from TokenJet’s bank escrow account, does it not follow that the funds must be wired out within business hours?That makes a mockery of the transactional efficiency and cost arguments being made by TokenJet. Its pure nonsense.P.2 goes further in defining who the customer is by using a novel conception of supplier and customer, that has nothing to do with goods, services or digital transactions: “Brokers and carriers are business entities and cannot be customers…” That of course precludes my ability to buy services from five vendors, assemble my own bill of materials, and sell it on. That is what a brokerage function is. I buy the plane’s time slot, the fuel, the pilot’s time, the cabin crew, the takeoff and landing slots, the ability to file the flight plan and leverage that against my ability to find a customer for that virtual product at any present or future time. A broker in the aviation industry is in fact purchasing goods from multiple other suppliers and brokers and provided he or she has a valid State issued Reseller’s License, he can buy, trade or barter for those goods without having to pay a sales tax on it either.It seems the concept of resell is alien to the folks at the SEC.If a token cannot facilitate the assembly of services rendered, its neither a coin or a service. What remains is the pseudo consent agreement which is nothing more than a restraint of trade. If the flight is not across State lines, it's a restraint of State Rights. If it’s between States, it's a restraint of interstate commerce. The SEC has no business and no authority regulating this.Further, “When a token enters circulation TKJ may freely trade or exchange tokens between wallets”. This is not an accounting function, and there is scant little to audit, especially where triangulation is not permitted by the tax authorities, or a value added tax against services rendered is required. There is no method by which a tax authority can collect what its due if the transaction is settled in one jurisdiction for services rendered in another jurisdiction. The agreement precludes venue for revenue purposes.That of course means that bank escrow capital is not subject to taxation. Yet, its pretty obvious that the decision here is to be made by the Department of Revenue not the SEC.“Platform will eliminate chargebacks” which is fine except that consumer law allows the chargeback in the event that goods or services provided do not meet the contractual stipulation. It is not the SEC’s job to re-write consumer protection rights.“TKJet will be responsible for verifying the validity of the ledger”. Except its not an accounting ledger, so no Generally Accepted Accounting Standards exist. Is the SEC now in the business of setting digital accounting standards also? Regardless the whole point of a block-chain, private or not, is to allow the parties to the transactions to verify transparently all entries in the ledger, and by virtue of distributed verification protocols, guarantee its veracity. In a two participant blockchain, either party can verify that present transactions cannot overwrite previous transactions. If you are required to verify the validity of the ledger, does that give you the right to reverse entries or make journal entries ex post facto? It's a contradiction in terms.On page 3 of the pseudo consent agreement they take this further:”The respective token balances and related activities of each member will not be public…” Then its not a block-chain, distributed or not.Worse yet there is nothing in the block-chain that would allow users to discover the appropriate price points in the market. It does not afford pricing discovery. As such its not a public market for services or products, but a private contractual domain where the information asymmetry is owned and leveraged by the stock holders only. If its not a public market where pricing discovery and trade is allowed, its not a public market, and as such its not subject to SEC review in any form. This agreement is an SEC attempt to regulate private contracts between willing participants. The State has no authority to regulate perfectly legal contracts between business and individuals, never mind the SEC.“TKJ will allow any and all brokers to be members because of anti trust legal concerns…” A monopoly position or absence thereof, is not for the “offender” to prove or disporove. It’s for the Justice Department to make a case, and for them to prosecute said claimed violations in Court subject to defendant’s legal recourse. Again, the SEC has no business regulating monopolies or even considering market impact of business trade agreements.P.4: “TKJ is obligated to release token escrow funds to broker or carrier…” In which case it's a pre-paid business service, subject to normal contractual practice. Absent is the ability to negotiate discount against volume purchase or pre-payment. It's a pure restraint of trade and a restraint of the ability to privately contract services in whatever manner one pleases.It also implies that contract structure, is subject to banking regulation generally, and by securities regulators specifically. That implies that the financial regulator is the only party that can arbitrate digital contract terms, and their disposition in the event of a contract dispute. It takes the Sovereign Court out of the contract enforcement business, and hands it over the SEC.This also introduces another problem. Failure to fully comply with the stated digital contract terms, does not entitle the defrauded party from not paying for partial services rendered, or returning goods not to contract terms. This agreement entitles the receiving party to claim that even a partial failure to meet agreed to terms, entitles them to withdraw total payment. Its either or, and the purchasing party has full power to decline payment on the simple basis that a comma is out of place. That is worse than a traditional letter of credit that requires thirty days to clear, where the slightest clerical error guarantees extensive delays and negotiations.We are back to a 1970’s financial instrument transmitted via Telex bank to bank.On page 4 it further insists the blockchain would be “…no different than currently employed business jet card programs”. But discounts are not permitted against settlement. Does that mean that only the SEC can regulate airline miles rebate programs? Or are those illegal now too? Is the SEC making the Justice Department’s case on their behalf, that airline miles and hotel rebates are a private bribe to the detriment of the corporation paying for said services? Legitimate case to be made, but its not the SEC’s case to make.On page 5, the logic further stretches incredulity. “Only consumers will be able to purchase tokens…” That of course means that a private contractor in the airline industry will not be able to settle all the transactions necessary to organize a flight, and sell their logistical skills to the highest bidder. Perhaps the SEC is unaware that all product is a BOM. And I am certain that they probably do not even know what that means, which is why they should not interfere with normal contractually agreed business transactions.In an industry where costs and revenue are calculated on the basis of time travelled, the agreement states “The tokens will not reprensent a TKJ obligation to supply a specified number of flight hours…” Airplanes like ships do not have mile odometers, they have time odometers, as in “how many hours are on that engine…?” Again, this is what happens when securities lawyers improvise themselves as business consultants with no vertical experience or training.“In compliance with banking Know Your Customer rules” … “any transfer of funds above US$10,000 must be reported” which I assume, means that the TKJ service provider is now a banking agent with legal reporting requirements. That implies that if my trip to Davos costs more than 10k, the SEC needs to know about it, or the travel agent, sorry the block-chain owner is subject to money laundering violations of law.The agreement specifies that only a customer can purchase the token. Then it goes to specify that the actual person flying is the customer. Does that not imply that a corporation cannot purchase said tokens with no idea who will eventually fly in the jet? The agreement strictly enforces the notion that the consumer is the flyer, not the corporation purchasing the service. This of course ignores that the beneficiaries are on the flight manifest, not on the contracted service. One answers to the contract the other to the TSA. And yet the consent decree enforces “all users must submit to CFR1540.107”And with that the SEC is doing Department of Homeland Security enforcement.Yes, the SEC consent agreement specifically states that “TKJ will follow the Patriot Act… and report any purchases above $10k”. Are there travel restrictions under law? Is freedom of movement no longer law? A flight plan and passenger manifest is mandatory. What does the SEC have to do with the purchase or brokerage of corporate jet travel restricted singularly to purchase by the actual flyer only…?!Page 8 further restricts the purchase, in so far as it “cannot be made in the expectation of profit”. Fine, but if I pre-book my trip to Davos a year in advance, will I not get a substantial price reduction versus buying it the day Davos Week opens? Does that mean that the expectation of future savings is a profit center and should be regulated like buying a pork future six months out on the Chicago Board of Trade?Buying when goods are not scarce, or reserving future production when its useful to you, is what profit is entirely predicated on. Will the individual flying have to prove to the SEC that he did not intend to profit from the early reservation of the jet when clearly buying passage same day would have been more expensive…?!The agreement is completely absurd. Future contracting for services, flight hours in the appropriately contracted private jet, has absolutely nothing to do with the Howey Test devised by the Supreme Court for an entirely different matter.A financial instrument is a property right. There are no property rights being transacted here. The property rights are transferred to TKJ subject to bank escrow and are not refundable. There are no financial instruments to track because the token gives you none.Under current law a reservation of passage on an aircraft is not a legal right, never mind a property right.When you purchase the token you simply surrender all your contractual rights to travel, to the SEC. The agreement presumes all services rendered are subject to banking and security controls. And since the profit motive is banned, it follows that the only beneficiary to the transaction is the capital holder as regulated by the Securities and Exchange Commission.If I was a shareholder in the Federal Reserve Bank I would tell the SEC they need to take better aim when pissing in the night pot.And that’s my story and I am sticking to it.Thanks for the ask always a pleasure!