Monday, January 04, 2016

 

THE DOW WAS DOW 178 POINTS NEW YEARS EVE-THURSDAY.

JEWISH KING JESUS IS COMING AT THE RAPTURE FOR US IN THE CLOUDS-DON'T MISS IT FOR THE WORLD.THE BIBLE TAKEN LITERALLY- WHEN THE PLAIN SENSE MAKES GOOD SENSE-SEEK NO OTHER SENSE-LEST YOU END UP IN NONSENSE.GET SAVED NOW- CALL ON JESUS TODAY.THE ONLY SAVIOR OF THE WHOLE EARTH - NO OTHER. 1 COR 15:23-JESUS THE FIRST FRUITS-CHRISTIANS RAPTURED TO JESUS-FIRST FRUITS OF THE SPIRIT-23 But every man in his own order: Christ the firstfruits; afterward they that are Christ’s at his coming.ROMANS 8:23 And not only they, but ourselves also, which have the firstfruits of the Spirit, even we ourselves groan within ourselves, waiting for the adoption, to wit, the redemption of our body.(THE PRE-TRIB RAPTURE)

HOARDING OF GOLD AND SILVER

JAMES 5:1-3
1 Go to now, ye rich men, weep and howl for your miseries that shall come upon you.
2 Your riches are corrupted, and your garments are motheaten.
3 Your gold and silver is cankered; and the rust of them shall be a witness against you, and shall eat your flesh as it were fire. Ye have heaped treasure together for the last days.

REVELATION 18:10,17,19
10 Standing afar off for the fear of her torment, saying, Alas, alas that great city Babylon, that mighty city! for in one hour is thy judgment come.(IN 1 HR THE STOCK MARKETS WORLDWIDE WILL CRASH)
17 For in one hour so great riches is come to nought. And every shipmaster, and all the company in ships, and sailors, and as many as trade by sea, stood afar off,
19 And they cast dust on their heads, and cried, weeping and wailing, saying, Alas, alas that great city, wherein were made rich all that had ships in the sea by reason of her costliness! for in one hour is she made desolate.

EZEKIEL 7:19
19 They shall cast their silver in the streets, and their gold shall be removed:(CONFISCATED) their silver and their gold shall not be able to deliver them in the day of the wrath of the LORD: they shall not satisfy their souls, neither fill their bowels: because it is the stumblingblock of their iniquity.

LUKE 2:1-3
1 And it came to pass in those days, that there went out a decree from Caesar Augustus, that all the world should be taxed.
2  (And this taxing was first made when Cyrenius was governor of Syria.)
3  And all went to be taxed, every one into his own city.

REVELATION 13:16-18
16 And he(THE FALSE POPE WHO DEFECTED FROM THE CHRISTIAN FAITH) causeth all,(IN THE WORLD ) both small and great, rich and poor, free and bond, to receive a mark in their right hand, or in their foreheads:(MICROCHIP IMPLANT)
17 And that no man might buy or sell, save he that had the mark,(MICROCHIP IMPLANT) or the name of the beast,(WORLD DICTATORS NAME INGRAVED ON YOUR SKIN OR TATTOOED ON YOU OR IN THE MICROCHIP IMPLANT) or the number of his name.(THE NUMBERS OF HIS NAME INGRAVED IN THE MICROCHIP IMLPLANT)-(ALL THESE WILL TELL THE WORLD DICTATOR THAT YOUR WITH HIM AND AGAINST KING JESUS-GOD)
18 Here is wisdom. Let him that hath understanding count the number of the beast:(WORLD LEADER) for it is the number of a man; and his number is Six hundred threescore and six.(6-6-6) A NUMBER SYSTEM (6006006)OR(60020202006)(SOME KIND OF NUMBER IMPLANTED IN THE MICROCHIP THAT TELLS THE WORLD DICTATOR AND THE NEW WORLD ORDER THAT YOU GIVE YOUR TOTAL ALLIGIENCE TO HIM AND NOT JESUS)(ITS AN ETERNAL DECISION YOU MAKE)(YOU CHOOSE YOUR OWN DESTINY)(YOU TAKE THE DICTATORS NAME OR NUMBER UNDER YOUR SKIN,YOUR DOOMED TO THE LAKE OF FIRE AND TORMENTS FOREVER,NEVER ENDING MEANT ONLY FOR SATAN AND HIS ANGELS,NOT HUMAN BEINGS).OR YOU REFUSE THE MICROCHIP IMPLANT AND GO ON THE SIDE OF KING JESUS AND RULE FOREVER WITH HIM ON EARTH.YOU CHOOSE,ITS YOUR DECISION.

1 KINGS 10:13-14
13  And king Solomon gave unto the queen of Sheba all her desire, whatsoever she asked, beside that which Solomon gave her of his royal bounty. So she turned and went to her own country, she and her servants.
14  Now the weight of gold that came to Solomon in one year was six hundred threescore and six talents of gold,

GENESIS 49:16-17
16  Dan shall judge his people, as one of the tribes of Israel.
17  Dan shall be a serpent by the way, an adder in the path, that biteth the horse heels, so that his rider shall fall backward.

REVELATION 6:5-6
5 And when he had opened the third seal, I heard the third beast say, Come and see. And I beheld, and lo a black horse; and he that sat on him had a pair of balances in his hand.
6 And I heard a voice in the midst of the four beasts say, A measure of wheat for a penny, and three measures of barley for a penny; and see thou hurt not the oil and the wine.(A DAYS WAGES FOR A LOAF OF BREAD)

DOCTOR DOCTORIAN FROM ANGEL OF GOD
then the angel said, Financial crisis will come to Asia. I will shake the world.

The Shemitah is coming true.Do people not get it? There is a economic crash every 7 years.
1980: Recession
1987: Stock market crash
1994: Bond market crash
2001: 9/11, dot com, recession
2008: Housing crash
2015: See if something will happen-The central banks will be the death of us. Get ready and embrace yourself for the economic collapse.

BANK RELATED INFORMATION
http://israndjer.blogspot.ca/2015/09/bank-related-links.html 
CURRENCIES
http://www.bloomberg.com/markets/currencies
COMMODITIES
http://www.bloomberg.com/markets/commodities 


UPDATE-JANUARY 04,2016-12:00AM

DOW MARKET MONDAY-JAN 04,2016
09:30AM-316.20-
10:00AM-407.70-
10:30AM-379.61-
11:00AM-429.32-
11:30AM-450.86-
12:00PM-428.08-
12:30PM-423.09-
01:00PM-398.70-
01:30PM-358.61-
02:00PM-355.81-
02:30PM-346.64-
03:00PM-416.52-
03:30PM-415.34-
04:00PM-276.09- 17,148.94 - S&P -31.28 2012.66 - NASDAQ -104.32 4903.09
HIGH -276 LOW -467
TSX -82.80 12,927.15 - GOLD $+13.60 $1,073.80 - OIL $-0.28 $36.76

MY DREAM I HAD YESTERDAY MORNING.JAN 3,2016

I HAD A BRIEF DREAM YESTERDAY MORNING-AND I BELIEVE IT MEANS PROPHECY TEACHERS-PREACHERS WILL BE PERSECUTED BIGTIME THIS YEAR. MY DREAM STARTED WITH ME SAYING HERE ARE THE THINGS TO HAPPEN BY THE BIBLE IN 2016. I POINTED TO THE POINTS I HAD WRITTEN ON A PAPER ON A DESK. AS SOON AS I LOOKED DOWN TO SAY THE BIBLE PREDICTIONS. 2 ARMS PUSHED ME AGAINST A WALL HARD. I THEN TURNED THE PERSON A MALE TO HIS BACK AGAINST THE WALL. AN PRECEEDED TO PUNCH HIM IN THE FACE HARD 4 TIMES. THEN I WOKE UP ON THE 4TH PUNCH I HIT HIM ON THE CHIN. MY PUNCHES WERE GOING NOT A DIRECT PUNCH TO THE FACE.BUT MY PUNCHES WERE GOING FROM MY RIGHT SIDE TO UP TO THE CHIN PUNCHES TO THE FACE. ALL I CAN FIGURE THIS MEANS BIBLE PROPHECY TEACHERS-PREACHERS WILL BE FIGHTING TO GET GODS PROPHECIES OUT TO THE WORLD.AGAINST INCREDIBLE OPPOSITION. 
2016 TOP 11 THINGS TO WATCH FOR IN PROPHECY HAPPENINGS
http://israndjer.blogspot.ca/2015/12/what-we-can-look-for-to-happen-on-earth.html

UPDATE-JANUARY 04,2016-09:34AM
THE WORD FROM GOD TO PAT ROBERTSON FOR THE YEAR OF 2016-IS GREAT MIRACLES BY GOD FOR THE CHURCH. AND THAT THE SHIITES AND SUNNI MUSLIMS WILL BE IN A GREAT BATTLE. AND THE SAUDI-ARABIA OIL WELLS WILL BE SET ON FIRE. AND THE PRICE OF OIL WILL SKYROCKET TO MAYBE $150 DOLLARS OR MORE A BARREL. SO IT WOULD NOT SURPRISE ME IF RUSSIA LIKE THE BIBLE SAYS WILL TEAM UP WITH IRAN AND THE SHIITE MUSLIM NATIONS TO MAKE SURE SAUDI-ARABIAS OIL WELLS ARE SET ON FIRE AND DESTROYED. SO IRAN AND RUSSIA CAN SKYROCKET OIL PRICES-DESTROY SAUDI-ARABIA AND CONTROL THE OIL MARKET.

AND OTHER MARKET NEWS TODAY MARKETS ARE DOWN GIGANTIC ON 1ST DAY OF TRADING IN 2016.
ASIA
CHINA-SHANGHAI: -261.94 -7.02%
NIKKEI 225: -582.73 -3.06%
HONG KONG HANG SENG: -587.28 -2.68%
KOREA STOCK EXCHANGE: -42.55 -2.17%
NSE NIFTY 50: -171.90 -2.16%
STRAITS TIMES INDEX: -46.76 -1.62%
ISRAEL
TEL AVIV 100 INDEX: -15.82 -1.19%
EUROPE - EUROPES WORST EVER START TO A YEAR IN HISTORY.
DAX: -459.57 -4.28%
FTSE MIB -684.56 -3.20%
EURO STOXX 50 -102.76 -3.14%
STOXX 600 -9.15 -2.50% -LOST $264 BILLION DOLLARS TODAY.
CAC 40 -114.61 -2.47%
IBEX 35 -231.00 -2.42%
FTSE 100 -148.89 -2.39%
AEX INDEX -10.12 -2.29%
BEL 20 -57.51 -1.55%
USA MARKET AT NOON-WORST START OF A YEAR SINCE 1930
DOW -423.74 -2.42%
S&P -47.11 -2.30%
NASDAQ -139.36 -2.78%
TSX -211.63 -1.60%
GOLD +10.70 $1,070.90
OIL -0.50 $36.54

Oil prices to stay low for two years: BP chief-AFP-January 2, 2016 8:20 AM-YAHOONEWS

London (AFP) - Struggling oil producers could suffer even more pain in 2016 with further plunges in already record-low prices, BP Chief Executive Bob Dudley warned Saturday."A low point could be in the first quarter," Dudley told BBC radio.Oil prices fell by 34 percent in 2015, battered by prolonged global oversupply and a slowdown in energy-hungry China's economy.Dudley predicted that prices could stabilise towards the end of the year, but would remain low for the forseeable future."Prices are going to stay lower for longer, we have said it and I think we are in this for a couple of years. For sure, there is a boom-and-bust cycle here," Dudley said.Prices have particularly slumped since December 4 when the Organization of the Petroleum Exporting Countries decided against limiting production as members fight to keep market share.Potentially adding to the supply worries was action by the US Congress last month to end the 40-year-old ban on exports of crude oil produced in the country.

In Sweden, a Cash-Free Future Nears-By LIZ ALDERMAN-JAN 4,16-new york times-nyt date dec 26,15

STOCKHOLM — Parishioners text tithes to their churches. Homeless street vendors carry mobile credit-card readers. Even the Abba Museum, despite being a shrine to the 1970s pop group that wrote “Money, Money, Money,” considers cash so last-century that it does not accept bills and coins.Few places are tilting toward a cashless future as quickly as Sweden, which has become hooked on the convenience of paying by app and plastic.This tech-forward country, home to the music streaming service Spotify and the maker of the Candy Crush mobile games, has been lured by the innovations that make digital payments easier. It is also a practical matter, as many of the country’s banks no longer accept or dispense cash.At the Abba Museum, “we don’t want to be behind the times by taking cash while cash is dying out,” said Bjorn Ulvaeus, a former Abba member who has leveraged the band’s legacy into a sprawling business empire, including the museum.Not everyone is cheering. Sweden’s embrace of electronic payments has alarmed consumer organizations and critics who warn of a rising threat to privacy and increased vulnerability to sophisticated Internet crimes. Last year, the number of electronic fraud cases surged to 140,000, more than double the amount a decade ago, according to Sweden’s Ministry of Justice.The “Kollektomat,” enabling tithing by card, at the Filadelfia church in Stockholm. Only 15 percent of the donations to the church are cash. Credit Linus Sundahl-Djerf for The New York Times-Older adults and refugees in Sweden who use cash may be marginalized, critics say. And young people who use apps to pay for everything or take out loans via their mobile phones risk falling into debt.“It might be trendy,” said Bjorn Eriksson, a former director of the Swedish police force and former president of Interpol. “But there are all sorts of risks when a society starts to go cashless.”But advocates like Mr. Ulvaeus cite personal safety as a reason that countries should go cash-free. He switched to using only card and electronic payments after his son’s Stockholm apartment was burglarized twice several years ago.“There was such a feeling of insecurity,” said Mr. Ulvaeus, who carries no cash at all. “It made me think: What would happen if this was a cashless society, and the robbers couldn’t sell what they stole?”Bills and coins now represent just 2 percent of Sweden’s economy, compared with 7.7 percent in the United States and 10 percent in the euro area. This year, only about 20 percent of all consumer payments in Sweden have been made in cash, compared with an average of 75 percent in the rest of the world, according to Euromonitor International.Cards are still king in Sweden — with nearly 2.4 billion credit and debit transactions in 2013, compared with 213 million 15 years earlier. But even plastic is facing competition, as a rising number of Swedes use apps for everyday commerce.At more than half of the branches of the country’s biggest banks, including SEB, Swedbank, Nordea Bank and others, no cash is kept on hand, nor are cash deposits accepted. They say they are saving a significant amount on security by removing the incentive for bank robberies.Last year, Swedish bank vaults held around 3.6 billion kronor in notes and coins, down from 8.7 billion in 2010, according to the Bank for International Settlements. Cash machines, which are controlled by a Swedish bank consortium, are being dismantled by the hundreds, especially in rural areas.Mr. Eriksson, who now heads the Association of Swedish Private Security Companies, a lobbying group for firms providing security for cash transfers, accuses banks and credit card companies of trying to “price cash out of the market” to make way for cards and electronic payments, which generate fee income.“I don’t think that’s something they should decide on their own,” he said. “Should they really be able to use their market force to turn Sweden into a cashless society?”The government has not sought to stem the cashless tide. If anything, it has benefited from more efficient tax collection, because electronic transactions leave a trail; in countries like Greece and Italy, where cash is still heavily used, tax evasion remains a big problem.Leif Trogen, an official at the Swedish Bankers’ Association, acknowledged that banks were earning substantial fee income from the cashless revolution. But because it costs money for banks and businesses to conduct commerce in cash, reducing its use makes financial sense, Mr. Trogen said.Cash is certainly not dead. The Swedish central bank, the Riksbank, predicts it will decline fast but still be circulating in 20 years. Recently, the Riksbank issued newly redesigned coins and notes.But for an increasing number of consumers, cash is no longer a habit.Doing away with cash, “might be trendy,” said Bjorn Eriksson, a former director of the Swedish police force and former president of Interpol. “But there are all sorts of risks when a society starts to go cashless.” At the University of Gothenburg, students said they almost exclusively used cards and electronic payments. “No one uses cash,” said Hannah Ek, 23. “I think our generation can live without it.”The downside, she conceded, was that it was easy to spend without thinking. “I do spend more,” Ms. Ek said. “But if I had a 500 krona bill, I’d think twice about spending it all.” (Five hundred kronor is about $58.)The shift has rippled through even the most unlikely corners of the Swedish economy.Stefan Wikberg, 65, was homeless for four years after losing his job as an I.T. technician. He has a place to live now and sells magazines for Situation Stockholm, a charitable organization, and began using a mobile card reader to take payments, after noticing that almost no one carried cash.“Now people can’t get away,” said Mr. Wikberg, who carries a sign saying he accepts Visa, MasterCard and American Express. “When they say, ‘I don’t have change,’ I tell them they can pay with card or even by SMS,” he said, referring to text messages. His sales have grown by 30 percent since he adopted the card reader two years ago.At the Filadelfia Stockholm church, so few of the 1,000 parishioners now carry cash that the church had to adapt, said Soren Eskilsson, the executive pastor.During a recent Sunday service, the church’s bank account number was projected onto a large screen. Worshipers pulled out cellphones and tithed through an app called Swish, a payment system set up by Sweden’s biggest banks that is fast becoming a rival to cards.Other congregants lined up at a special “Kollektomat” card machine, where they could transfer funds to various church operations. Last year, out of 20 million kronor in tithes collected, more than 85 percent came in by card or digital payment.“People give more money to the church now because it’s electronic and easy,” said Mr. Eskilsson, adding that the church saved on security costs by handling less cash.Despite the convenience, even some who stand to gain from a cashless society see drawbacks.“ Sweden has always been at the forefront of technology, so it’s easy to embrace this,” said Jacob de Geer, a founder of iZettle, which makes a mobile-powered card reader.“But Big Brother can watch exactly what you’re doing if you purchase things only electronically,” he said.But for Mr. Ulvaeus, the music magnate, such concerns are overblown.“Everything speaks in favor of a cashless society,” he said as he strolled past the Abba Museum to retrieve his car. “It’s a utopian thought, but we’re very close to it.”He paused at a hot-dog stand for a snack. But when he was ready to pay, the card reader was broken.“Sorry,” the vendor said. “You’ll have to use cash.”Christina Anderson contributed reporting.A version of this article appears in print on December 27, 2015, on page A1 of the New York edition with the headline: Where Even Banks Don’t Accept Cash Anymore 

EARTHQUAKES

EZEKIEL 37:7,11-14
7  So I prophesied as I was commanded: and as I prophesied, there was a noise, and behold a shaking, and the bones came together, bone to his bone.(POSSIBLE QUAKE BRINGS ISRAEL BACK TO LIFE-SO NOISE AND SHAKING-QUAKES WILL ALSO DESTROY ISRAELS ENEMIES)
11  Then he said unto me, Son of man, these bones are the whole house of Israel: behold, they say, Our bones are dried, and our hope is lost: we are cut off for our parts.
12  Therefore prophesy and say unto them, Thus saith the Lord GOD; Behold, O my people, I will open your graves, and cause you to come up out of your graves, and bring you into the land of Israel.
13  And ye shall know that I am the LORD, when I have opened your graves, O my people, and brought you up out of your graves,
14  And shall put my spirit in you, and ye shall live, and I shall place you in your own land: then shall ye know that I the LORD have spoken it, and performed it, saith the LORD.

MATTHEW 24:7-8
7 For nation shall rise against nation, and kingdom against kingdom: and there shall be famines, and pestilences, and earthquakes, in divers places.
8 All these are the beginning of sorrows.

MARK 13:8
8 For nation shall rise against nation, and kingdom against kingdom:(ETHNIC GROUP AGAINST ETHNIC GROUP) and there shall be earthquakes in divers places, and there shall be famines and troubles: these are the beginnings of sorrows.

LUKE 21:11
11 And great earthquakes shall be in divers places,(DIFFERNT PLACES AT THE SAME TIME) and famines, and pestilences; and fearful sights and great signs shall there be from heaven.

UPDATE-JANUARY 04, 2016-11:00PM


1 Day, Magnitude 2.5+ Worldwide
35 earthquakes - DownloadUpdated: 2016-01-04 23:59:39 UTCShowing event times using UTC35 earthquakes in map area

    4.7 32km SE of Opotiki, New Zealand 2016-01-04 23:57:45 UTC 98.3 km
    2.5 17km S of Kettleman City, California 2016-01-04 22:28:37 UTC 11.0 km
    3.0 40km WSW of Hawi, Hawaii 2016-01-04 22:27:15 UTC 10.3 km
    2.9 63km N of Nikiski, Alaska 2016-01-04 21:13:29 UTC 74.0 km
    3.4 84km NNE of Punta Cana, Dominican Republic 2016-01-04 19:49:28 UTC 76.0 km
    3.2 80km NE of Road Town, British Virgin Islands 2016-01-04 18:51:09 UTC 65.0 km
    2.7 38km SE of Campo, California 2016-01-04 18:20:11 UTC 13.0 km
    3.0 61km N of Culebra, Puerto Rico 2016-01-04 18:01:11 UTC 50.0 km
    4.8 24km WSW of Nidri, Greece 2016-01-04 18:00:57 UTC 48.7 km
    2.9 71km ESE of Lakeview, Oregon 2016-01-04 17:22:42 UTC 10.2 km
    3.5 16km ENE of Broken Bow, Nebraska 2016-01-04 16:04:33 UTC 5.0 km
    2.7 25km SE of Redoubt Volcano, Alaska 2016-01-04 15:08:06 UTC 31.9 km
    2.6 42km NNE of Road Town, British Virgin Islands 2016-01-04 14:55:08 UTC 7.0 km
    5.2 60km N of Claveria, Philippines 2016-01-04 14:36:15 UTC 22.1 km
    4.9 61km SE of Haebaru, Japan 2016-01-04 13:53:14 UTC 12.6 km
    2.5 22km NW of Bunkerville, Nevada 2016-01-04 13:51:37 UTC 14.5 km
    2.6 4km WSW of Volcano, Hawaii 2016-01-04 13:18:23 UTC 0.3 km
    3.0 12km W of Stillwater, Oklahoma 2016-01-04 12:43:02 UTC 3.9 km
    3.2 11km W of Stillwater, Oklahoma 2016-01-04 12:23:24 UTC 5.3 km
    2.6 11km NNE of Fincastle, Tennessee 2016-01-04 11:15:20 UTC 22.0 km
    4.7 154km E of Yining Xian, China 2016-01-04 10:27:07 UTC 40.5 km
    3.0 14km NNE of Langston, Oklahoma 2016-01-04 10:20:58 UTC 4.8 km
    2.8 73km ESE of Healy, Alaska 2016-01-04 08:25:54 UTC 4.2 km
    3.0 44km N of Brenas, Puerto Rico 2016-01-04 06:13:38 UTC 58.0 km
    2.6 15km W of Stillwater, Oklahoma 2016-01-04 05:54:58 UTC 5.0 km
    2.5 27km E of Cherokee, Oklahoma 2016-01-04 04:33:09 UTC 5.0 km
    4.3 50km E of Bandar-e Lengeh, Iran 2016-01-04 03:05:47 UTC 10.0 km
    3.6 30km NNW of Whittier, Alaska 2016-01-04 02:38:06 UTC 12.6 km
    4.6 West Chile Rise 2016-01-04 02:34:33 UTC 10.0 km
    3.1 70km ESE of Lakeview, Oregon 2016-01-04 01:04:59 UTC 10.0 km
    4.6 45km ENE of Castlepoint, New Zealand 2016-01-04 00:07:53 UTC 25.4 km
    2.6 70km ESE of Lakeview, Oregon 2016-01-03 23:51:15 UTC 10.2 km
    3.4 66km ESE of Lakeview, Oregon 2016-01-03 23:49:01 UTC 15.1 km
    6.7 29km W of Imphal, India 2016-01-03 23:05:22 UTC 55.0 km
  
STOCK MARKET AND EARTHQUAKE NEWS
http://israndjer.blogspot.ca/2015/12/weekend-quake-results-for-jan-02-03.html 
http://israndjer.blogspot.ca/2015/12/the-dow-was-dow-117-points-yesterday.html 
http://israndjer.blogspot.ca/2015/12/the-dow-was-up-192-points-yesterday.html 
http://israndjer.blogspot.ca/2015/12/the-dow-was-down-23-points-monday.html 
http://israndjer.blogspot.ca/2015/12/the-dow-was-down-50-points-on-christmas.html 
http://israndjer.blogspot.ca/2015/12/weekend-quake-results-for-dec-26-27.html 
http://israndjer.blogspot.ca/2015/12/the-dow-was-up-185-points-yesterday.html 
http://israndjer.blogspot.ca/2015/12/the-dow-was-up-165-points-yesterday.html 
http://israndjer.blogspot.ca/2015/12/the-dow-was-up-123-points-yesterday.html 
http://israndjer.blogspot.ca/2015/12/the-dow-was-down-367-points-on-friday.html 
http://israndjer.blogspot.ca/2015/12/weekend-quake-results-for-dec-19-20-2015.html   



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