Jump to content

Welcome to the new Traders Laboratory! Please bear with us as we finish the migration over the next few days. If you find any issues, want to leave feedback, get in touch with us, or offer suggestions please post to the Support forum here.

  • Welcome Guests

    Welcome. You are currently viewing the forum as a guest which does not give you access to all the great features at Traders Laboratory such as interacting with members, access to all forums, downloading attachments, and eligibility to win free giveaways. Registration is fast, simple and absolutely free. Create a FREE Traders Laboratory account here.

brownsfan019

Holding Yourself Accountable

Recommended Posts

I realize this is a redundant thread of something I started awhile back, but after the discussion in this thread, I realized that maybe part of the issue at hand here for me is having a lack of accountability.

 

I have a great significant other that is very supportive and willing to listen, when I am willing to talk... In other words, our conversations about my day range from me talking for awhile to "good". Usually "good" is code for, I just don't feel like talking about a bad day.

 

And it's easy for me to leave it at that as she doesn't push too hard.

 

I can't be the only one in our TL community thinking - I could really use some more accountability here... :confused: Maybe I am, who knows.

 

But we have such a good core group of traders here that I thought I would toss this out there and see what is hit back at me...

 

The real question is - how/who/when/where/etc do you make yourself accountable so that you stay on track and keep pushing for more (if you do at all)? And if you don't, why not?

 

I just recall my days a broker where being accountable and knowing that you would be singled out was enough motivation for me to always be in the top part of the class. I simply did not want to be 'that guy' that is always struggling...

 

So what are some ideas for accountability then? I mean, we live in a world where technology makes just about anything possible, so what are some ways that myself (and others here if interested) could be more accountable?

 

My ideas:

 

1) A "How was your day thread". This is the question that is asked by our loved ones, but we don't always feel like opening up. This thread could go anywhere... your thoughts, comments, charts, P&L captures, etc. etc.

 

2) A straight, P&L thread as
has. Simple, easy and quick to maintain. Of course, requires some dedication and honesty to work.

 

3) Something bigger... maybe something with videos, youtube, etc... Camtasia makes recording vid's so easy that maybe there's something here...

 

4) Blog. I know this could work, but I also don't know that I want to maintain one...

 

Some ideas...

 

Maybe James has an idea or two on the programming side that could work if there was interest.

 

I guess it just boils down to being accountable to the point where you are motivated to do your job and do it consistently...

 

Let the discussion begin. ;)

Share this post


Link to post
Share on other sites

I like this idea, but I think the ideas can range greatly depending on skill and various other things.

 

For example a newbie probably shouldn't be held accountable on p&l, but instead he should be held accountable on his trading plan. I have a meeting every Friday with the guy who funds me and I make him hold me accountable. We sit down and discuss what trades were taken and why, and if they were apart of my trading plan. You can grade each trade, and then sum up the total of the day. An example of this would be.

 

4 - Trade that was in your plan, and the target was hit.

3 - Trade that was in your plan - got out before target was hit but was profitable

2 - broke even

1 - stop was hit

0 - Trade taken not in the plan, profitable or not.

 

You can also grade each set of trades specifically in excel. This may help to find inefficient trades, and other possible patterns.

 

With a more experienced trader, there could be other ways to hold accountability that might include P&L. But sharing that sort of thing with others is sort of taboo, and some might not feel comfortable telling others.

 

Blogs work, but take up a ton of time. Same with making videos.

 

This could be a good thread, and it would be nice to have a part of the forum specifically for accountability. Maybe not an actual forum, but something separate like our blogs and videos.

Share this post


Link to post
Share on other sites

I think trading is one of the trickiest part in holding yourself accountable. Other than the fact that you're the only one who caused the losses in your equity, that's the obvious example. But others, that's more difficult to do, especially having another person who may trade totally different from you, so he may or may not know your plan or system by heart to tell you where you go right or wrong. Worst, trading is a lone job so it's even more difficult to get anyone involved.

 

Currently, I trade with my dad so it's obvious the accountability is open everyday through our communication and of course our daily P/L. Getting someone involved has to be the right person who understands the same objective is right way. Maybe not necessarily your boss but an equal but tough-ass, "call it as I see it" kind of trader as your mentor/partner.

Share this post


Link to post
Share on other sites

Maybe keepinga journal thread, guess the fashionable way to do that is via a blog nowadays.

 

Theres a couple of prongs to this attack. Simply by keeping a journal you force yourself to be more accountable (depending on how well it's done).

 

Secondly if you outline your goals up front you might get critiques and 'peer pressure' from kindly souls here.

 

I dont think strings of numbers are likely to cut it but short succinct dialogue might?

Share this post


Link to post
Share on other sites
I think something that would help is if we defined what we believe accountability to be.

 

IMO, accountability for your trading biz = knowing that you have to answer to or tell someone what you did (or didn't do) in your business that day.

 

And knowing that you will have to answer to someone should hopefully provide added motivation to get the job done properly.

Share this post


Link to post
Share on other sites
Maybe keepinga journal thread, guess the fashionable way to do that is via a blog nowadays.

 

Theres a couple of prongs to this attack. Simply by keeping a journal you force yourself to be more accountable (depending on how well it's done).

 

Secondly if you outline your goals up front you might get critiques and 'peer pressure' from kindly souls here.

 

I dont think strings of numbers are likely to cut it but short succinct dialogue might?

 

I see what you are saying BF...

 

I just don't want/need to devote an immense amount of time to this either. A blog requires time and dedication. A journal requires time and dedication. And I don't want something to turn into a - please show me how you trade thread either...

 

That's why I liked James_gsx's idea of creating a little template type thing where you quickly and easily answer the question we all get from our significant others - How was your day?

Share this post


Link to post
Share on other sites

So maybe something we could easily implement in the forums would be a template like I mentioned. It doesn't need to be in the actual forum, but in say the profile section. It could be public or private - private meaning only specific people we select have access to it. That way those who have similar trading styles and goals can help hold us accountable, instead of people who trade completely different or have different goals.

 

You could also do this easily in Excel, and then you can get creative and come up with graphs and other things. Then you can simply print it off and throw it into a binder to keep and review on a weekly or monthly basis. You could look for trends, and other patterns in your work. This could be especially useful for full time traders that view their trading as a true business.

 

The only hard part would be coming up with the questions and style of template. Also this would go completely on the honor system. It would also require discipline to be honest with yourself and post it up for others you trust to ask you serious questions. But in the long run, that can be very helpful.

Share this post


Link to post
Share on other sites

My day was like this(profit in pips):

 

win #t % avg tot net

8 10 80 6.5 65.4 53.9

 

last week's worst day, didn't stick to my system, revenge trading:

 

win #t % avg tot net

5 15 33.3 -2.4 -36.3 -55.2

 

numbers don't lie :D

Edited by Sparrow

Share this post


Link to post
Share on other sites

Nice job just coming out Sparrow! haha

 

Tomorrow afternoon I will take a few screenshots and share my template I use for excel. I won't lie though, I don't use it as often as I should.

Share this post


Link to post
Share on other sites

To be honest the more you put in the more value its likely to be to you.

 

Without knowing what you are trying to achieve no one can really judge whether you achieved it or not. Sparrows blotter snipette is a good example. Did he do what he should? Did he behave responsibly? Was he accountable? How can we possibly know?

 

For there to be any value to anyone (poster or accountant) there needs to be a set of criteria that the 'results' can be judged against otherwise it's pointless putting it on view.

 

To be accountable to yourself you need to describe precisely what you should be doing. To be accountable to 'us' you need to describe to us precisely what you should be doing. There is no other way, anything less and you are simply paying lip service to being accountable rather than actually being accountable.

 

Forgive the harsh tone, it is directed inward (towards myself) as much as anything :)

Share this post


Link to post
Share on other sites

Just another thought a trading room is a possible place to 'be accountable' if it is structured like that. Again you need to let people know what you are trying to achieve rather than just call trades. For example you exit at 36.35 a bit too late/soon with the right sort of room you can state why and hold yourself accountable to your colleagues. Actually in the right sort of room where people know how you trade somone is likely to put you on the spot and say 'why did you exit there'.

 

Walter seemed to use the TL room like that to a degree, Adam also perhaps. Even if you are not being reviewed by your peers the act of describing your actions to other people is likely to make you consider more carefully and so be more accountable to yourself. The more detail the more you are likely to get from it.

Share this post


Link to post
Share on other sites

You've got a point there, it's possible to make all the wrong decisions and still make money while picking up some bad habits. However more often than not it will show in your statistics and I don't have to think hard to identify what went wrong that day.

For a precise analysis video & journals are better, but if you just want quick results or find the days which you'd like to look at more thoroughly, stats are pretty suitable.

It depends how much effort you want to put into it.

Share this post


Link to post
Share on other sites

It would be nice to get something going...

 

And soon instead of having another thread die off into the depths of TL.

 

Anyone else interested or have ideas? Maybe it's time to start a P&L thread here???

Share this post


Link to post
Share on other sites

Do you find the ET P&L thread useful? In what way? Its one of the few extremely well moderated ones at least. Maybe I am being dense but I cant see how posting a blotter is going to make you more accountable. Maybe I'm missing something. Today brown made 5 trades and 8 points, next day he made 7 trades and 4 points (was he over trading? hell I dunno) next day 2 trades and 10 points (was he missing entries or was that a great day...I dunno). Thursday he took the day off is that cool? Friday 4 trades all hit a -2 stop perhaps that was the best day as he stuck to the plan flawlessly?

 

Don't get me wrong I think its a really splendid concept honestly I do. IMVHO although a blog or a trade diary synopsis thread is a bit more work its going to pay far far greater dividends in fact I'd go as far as saying infinitely greater dividends but thats only because I think posting a blotter is pretty worthless.

 

Anyway keeping the thread going even if Im being somewhat contrary :)

Share this post


Link to post
Share on other sites

Blowfish, I completely agree that a simple thread saying how many trades we took and points we get is a waste of time. That's why I'm leaning more towards the template idea that we can fill out. This way we can visually see trends in our trading, and what gaps need to be filled. I also believe that setting goals will help, and then by using a template that grades our trades we can see our inefficiencies and possibly what aspect of our trading is helping is get our goal or push us away.

 

Here is currently what I have laid out, it's still a work in progress but input is appreciated. What I have here is the ability to grade each trade, then track the P&L and grade on a daily basis. From there you can use graphs, or whatever works best to track your progress. There is also a section for emotional trades, and those receive an automatic 0. If it's a trade you take on a repeated basis but is not in your plan, add it then it won't be an emotional trade.

 

p.s - all that input I added was random. Not my trading or P&L :)

 

attachment.php?attachmentid=5476&stc=1&d=1205288236

5aa70e456f163_accountabilitysetup.jpg.a3db3eca042af5656e16dd60d93f6228.jpg

Share this post


Link to post
Share on other sites
Do you find the ET P&L thread useful? In what way? Its one of the few extremely well moderated ones at least. Maybe I am being dense but I cant see how posting a blotter is going to make you more accountable. Maybe I'm missing something. Today brown made 5 trades and 8 points, next day he made 7 trades and 4 points (was he over trading? hell I dunno) next day 2 trades and 10 points (was he missing entries or was that a great day...I dunno). Thursday he took the day off is that cool? Friday 4 trades all hit a -2 stop perhaps that was the best day as he stuck to the plan flawlessly?

 

Don't get me wrong I think its a really splendid concept honestly I do. IMVHO although a blog or a trade diary synopsis thread is a bit more work its going to pay far far greater dividends in fact I'd go as far as saying infinitely greater dividends but thats only because I think posting a blotter is pretty worthless.

 

Anyway keeping the thread going even if Im being somewhat contrary :)

 

I know what you mean BF.

 

Yes, I think posting a daily blotter does add some degree of accountability, even if just a small one. If you are expected to post, then you should hopefully post - good or bad.

 

The P&L thread is a basic accountability thread in the truest sense. There's very little to be done by all parties, but it is something rather than nothing...

 

 

 

Blowfish, I completely agree that a simple thread saying how many trades we took and points we get is a waste of time. That's why I'm leaning more towards the template idea that we can fill out. This way we can visually see trends in our trading, and what gaps need to be filled. I also believe that setting goals will help, and then by using a template that grades our trades we can see our inefficiencies and possibly what aspect of our trading is helping is get our goal or push us away.

 

Here is currently what I have laid out, it's still a work in progress but input is appreciated. What I have here is the ability to grade each trade, then track the P&L and grade on a daily basis. From there you can use graphs, or whatever works best to track your progress. There is also a section for emotional trades, and those receive an automatic 0. If it's a trade you take on a repeated basis but is not in your plan, add it then it won't be an emotional trade.

 

p.s - all that input I added was random. Not my trading or P&L :)

 

attachment.php?attachmentid=5476&stc=1&d=1205288236

 

James,

Very nice what you have here.

 

While we disagree on a P&L thread being a waste of time, unless Soul can program a template type thing that we can use, it will be hard to form a template on our own. We could probably come up with some skeleton format, but it's back to are you just posting your P&L?

 

Anyways, good ideas here but maybe we need to hear from Soul about any other ideas.

Share this post


Link to post
Share on other sites
I won't lie though, I don't use it as often as I should.

 

 

I've been thinking about this alot lately. Really, from what is posted in this thread we all basically know what should be done but its more a question of just doing it. I think part of the problem comes though from keeping things inside the computer. The computer can do alot of great things but for other things it seems kind of expendable compared to the physical world.

If someone doesn't stick to their plan and makes dumb trades I don't see how you can replicate a face to face meeting and the shame of messing up on the computer, especially when you have never met the person.

A journal in a blog is a pain to deal with. To me just having Word open is so much more effecient. Then you still run into the computer problem though with things being expendable so you miss journaling days and just get lazy.

Some ideas I've had to combat this are buy a couple of dry erase boards and write down everything that needs to be done the night before for the next trading day. I would think having it in front of your face in physical form is more motivational than having text on a screen that can be instantly saved/changed/deleted. Same thing for a journal. Instead of posting a blog or keeping a word doc that can be saved/changed/deleted, each day write things down in word. Then print out a hard copy but don't save the word document. You have one chance to write things down and thats it. Its kind of like how if you were keeping a journal with pen and paper, your not going to leave a blank page in a notebook to maybe go back and fill it out next week. With a computer you basically have an infinite amount of blank pages that can be inserted in the journal, thats no good as far as enforcing discipline.

I really don't see how even a virtual trading group would work. Everyone would be doing their own thing, with their own money, on their own timeframe all without every actually meeting eachother. The only solution I can see is to either find local traders or try to teach someone to trade who can actually be physically present.

Share this post


Link to post
Share on other sites

I think a p&l thread could be useful if the community holds eachother accountable. I think the problem most of us are running into is the inability to hold ourselves accountable. So if discuss things with our peers, it can help us a lot. Maybe not to mentor, but to keep us in check. I believe that if you create achievable and measurable goals and you have a true passion for achieving those goals, that you will find a way to accomplish them. Having someone to help give you that extra push can be extremely beneficial. But this could also depend on the personality type, but for someone like myself or Brownsfan I think it would be beneficial.

 

I could post that I will trade Monday, Tuesday, Wednesday, and Friday. If I don't post on one of those days with my results then I would expect someone to ask me why I didn't trade or didn't post. Eventually if you are motivated enough, you won't want to be asked why you aren't hitting your goals or trading or whatever is blocking you.

 

Darthtrader - I started using a notebook for my trading. Every night I would write down the numbers I would use as support and resistance before the market established them intraday. Then I would make a to-do list with my critical goals for the week at the top, and my enabler goals at the bottom. This simple method really improved my ability to execute especially with my trading biz. I hold myself to high standards, and if I see a goal sitting there without being accomplished it takes me down a lot. But also having a goal with no path to get there hinders my ability to achieve the goal, which is why I break things down in my notebook. At the bottom of the page, I leave room for notes that I can go through at the end of the day.

Share this post


Link to post
Share on other sites

Heres a template I will be using tomorrow to fill out during the day, or during breaks throughout the day. I have some data that is important to my plan and my goals. Then I have a simple table where I can track my trades and log them in on Excel after the close.

 

attachment.php?attachmentid=5491&stc=1&d=1205383627

tradeplan1.thumb.jpg.d6e82a5070ac502f07e748400af8eb9f.jpg

Share this post


Link to post
Share on other sites

Hi guys,

 

Ive been following this thread and wanted to seek your opinions. I would like to be able to provide a template system for traders here to plug in trades, notes, etc... which can be shown on our site. (either private or public) I also want to create a system where it will graph whatever you want to input.

 

Building the system should not take too much time. The questions I have is:

 

1. What sort of information would you like to input?

2. What template format do you prefer? Would you like to see automatic charts for the info you input?

3. Any ideas on how to add credibility to the posted results? Or should this be based on user honesty?

4. Would you like to see a progress/ranking system?

 

Any other thoughts and ideas on the template system is appreciated. Thanks

Share this post


Link to post
Share on other sites
Hi guys,

 

Ive been following this thread and wanted to seek your opinions. I would like to be able to provide a template system for traders here to plug in trades, notes, etc... which can be shown on our site. (either private or public) I also want to create a system where it will graph whatever you want to input.

 

Building the system should not take too much time. The questions I have is:

 

1. What sort of information would you like to input?

2. What template format do you prefer? Would you like to see automatic charts for the info you input?

3. Any ideas on how to add credibility to the posted results? Or should this be based on user honesty?

4. Would you like to see a progress/ranking system?

 

Any other thoughts and ideas on the template system is appreciated. Thanks

 

Going to think on this and then respond.

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.


  • Topics

  • Posts

    • TDUP ThredUp stock, watch for a top of range breakout above 2.94 at https://stockconsultant.com/?TDUP
    • TDUP ThredUp stock, watch for a top of range breakout above 2.94 at https://stockconsultant.com/?TDUP
    • NFLX Netflix stock watch, local support and resistance areas at 838.12 and 880.5 at https://stockconsultant.com/?NFLX
    • Date: 8th April 2025.   Markets Rebound Cautiously as US-China Tariff Tensions Deepen     Global markets staged a tentative recovery on Tuesday following a wave of volatility sparked by escalating trade tensions between the United States and China. The Asia-Pacific region showed signs of stability after a chaotic start to the week—though some pockets remained under pressure. Taiwan’s Taiex dropped 4.4%, dragged lower by losses in tech heavyweight TSMC. The world’s largest chipmaker fell another 4% on Tuesday and has now slumped 13.5% since April 2, when US President Donald Trump first unveiled what he called ‘Liberation Day’ tariffs.   However, broader sentiment across the region turned more positive, with several markets rebounding sharply after Monday’s dramatic sell-offs. Japan’s Nikkei 225 surged over 6% in early trading, rebounding from an 18-month low. South Korea’s Kospi rose marginally, and Australia’s ASX 200 gained 1.9%, driven by strength in mining stocks. Hong Kong’s Hang Seng rose 1.6%, though still far from recovering from Monday’s 13.2% crash—its worst day since the 1997 Asian financial crisis. China’s Shanghai Composite added 0.9%.   In Europe, DAX and FTSE 100 are up more than 1% in opening trade. EU Commission President von der Leyen repeated yesterday that the EU had offered reciprocal zero tariffs on manufactured goods previously and continues to stand by that offer. Others are also trying again to talk to Trump to get some sort of agreement that limits the impact.   Much of the rally appeared to be driven by dip-buying, as well as hopes that the intensifying trade war could still be defused through negotiations.   China Strikes Back: ‘We Will Fight to the End’   Tensions reached a boiling point after Trump threatened to impose an additional 50% tariff on all Chinese imports unless Beijing rolled back its retaliatory measures by April 8. ‘If China does not withdraw its 34% increase above their already long-term trading abuses by tomorrow... the United States will impose additional tariffs on China of 50%,’ Trump declared on social media.   If implemented, the new tariffs would bring total US duties on Chinese goods to a staggering 124%, factoring in the existing 20%, the 34% recently announced, and the proposed 50%.   In response, China’s Ministry of Commerce issued a stern warning, stating: ‘The US threat to escalate tariffs is a mistake on top of a mistake... If the US insists on its own way, China will fight to the end.’ The ministry also called for equal and respectful dialogue, though signs of compromise on either side remain scarce.   Beijing acted quickly to contain a market fallout. State funds intervened to support equities, and the People’s Bank of China set the yuan fixing at its weakest level since September 2023 to boost export competitiveness. Additionally, five-year interest rate swaps in China fell to their lowest levels since 2020, indicating potential for further monetary easing.   Trump Talks Tough on EU Too   Trump’s hardline approach extended beyond China. Speaking at a press conference, he rejected the European Union’s offer to eliminate tariffs on cars and industrial goods, accusing the bloc of ‘being very bad to us.’ He insisted that Europe would need to source its energy from the US, claiming the US could ‘knock off $350 billion in one week.’   The EU, meanwhile, backed away from a proposed 50% retaliatory tariff on American whiskey, opting instead for 25% duties on selected US goods in response to Trump’s steel and aluminium tariffs.     Volatile Wall Street Adds to the Drama   Wall Street experienced wild swings on Monday as investors processed the rapidly evolving trade conflict. The S&P 500 briefly fell 4.7% before rebounding 3.4%, nearly erasing its losses in what could have been its biggest one-day jump in years—if it had held. The Dow Jones Industrial Average sank by as much as 1,700 points early in the day but later climbed nearly 900 points before closing 349 points lower, down 0.9%. The Nasdaq ended up 0.1%.   The brief rally was fueled by a false rumour that Trump was considering a 90-day pause on tariffs—rumours that the White House quickly labelled ‘fake news.’ The market's sharp reaction underscored how desperate investors are for any sign that tensions might ease.   Oil Markets in Focus: Goldman Sachs Revises Forecasts   Crude prices also reflected the uncertainty, with US crude briefly dipping below $60 per barrel for the first time since 2021. As of early Tuesday, Brent crude was trading at $64.72, while WTI hovered around $61.26.   Goldman Sachs, in a note dated April 7, lowered its average price forecasts for Brent and WTI through 2025 and 2026, citing mounting recession risks and the potential for higher-than-expected supply from OPEC+.       Under a base-case scenario where the US avoids a recession and tariffs are reduced significantly before the April 9 implementation date, Goldman sees Brent at $62 per barrel and WTI at $58 by December 2025. These figures fall further to $55 and $51, respectively, by the end of 2026. This outlook also assumes moderate output increases from eight OPEC+ countries, with incremental boosts of 130,000–140,000 barrels per day in June and July.   However, should the US slip into a typical recession and OPEC production aligns with the bank’s baseline assumptions, Brent could retreat to $58 by the end of this year and to $50 by December 2026.   In a more bearish scenario involving a global GDP slowdown and no change to OPEC+ output levels, Brent prices might fall to $54 by year-end and $45 by late 2026. The most extreme projection—based on a simultaneous economic downturn and a full reversal of OPEC+ production cuts—would see Brent plunge to below $40 per barrel by the end of 2026.   Goldman noted that oil prices could outperform forecasts significantly if there was a dramatic shift in tariff policy and a surprise in global demand recovery.   Cautious Optimism, But Warnings Persist   With both Washington and Beijing showing no signs of backing down, markets are likely to remain volatile in the days ahead. Investors now turn their attention to upcoming trade meetings and policy decisions, hoping for clarity in what has become one of the most unpredictable trading environments in recent years.   Always trade with strict risk management. Your capital is the single most important aspect of your trading business.   Please note that times displayed based on local time zone and are from time of writing this report. Click HERE to access the full HFM Economic calendar.   Want to learn to trade and analyse the markets? Join our webinars and get analysis and trading ideas combined with better understanding of how markets work. Click HERE to register for FREE!   Click HERE to READ more Market news.   Andria Pichidi HFMarkets   Disclaimer: This material is provided as a general marketing communication for information purposes only and does not constitute an independent investment research. Nothing in this communication contains, or should be considered as containing, an investment advice or an investment recommendation or a solicitation for the purpose of buying or selling of any financial instrument. All information provided is gathered from reputable sources and any information containing an indication of past performance is not a guarantee or reliable indicator of future performance. Users acknowledge that any investment in Leveraged Products is characterized by a certain degree of uncertainty and that any investment of this nature involves a high level of risk for which the users are solely responsible and liable. We assume no liability for any loss arising from any investment made based on the information provided in this communication. This communication must not be reproduced or further distributed without our prior written permission.
    • CVNA Carvana stock watch, rebound to 166.56 support area at https://stockconsultant.com/?CVNA
×
×
  • Create New...

Important Information

By using this site, you agree to our Terms of Use.