The views expressed in these articles are those of the author at the date of publication and not necessarily those of Dominion Fund Management Limited. The content of these articles are not intended as investment advice and will not be updated after publication.
Latest News
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Luxury Consumers “Just do it” - “where they want, when they want and how they want”
Nike on Monday evening had analysts scrabbling to revise forecasts up along with its shares. Branded Sportswear companies have been particularly quick to adapt to the COVID19 new normal. Realisation of this has seen consensus EBITDA forecasts for Nike revised up ... -
The Ecommerce Fund: Anniversary Newsletter
Investing in the Fourth Industrial Revolution Welcome to the Age of Connectivity We launched the Ecommerce Fund in 2014 with the mission of investing in the companies, technology and digital platforms that drive the exchange of value across ... -
Seeking Out the Big Winners in the Luxury Universe
The Luxury Consumer Fund launched in 2007 at the height of the Great Financial Crisis. This June marks its 13th anniversary, and we are once again in a global crisis – this time the COVID-19 pandemic. We have successfully managed the Luxury Consumer Fund ... -
Reasons to be Cheerful… Part Two
It is increasingly clear that ecommerce is by far and away the biggest winner in this crisis. The reality is that COVID-19’s impact on our ways of living and working has dramatically accelerated the trend towards ecommerce. Widespread adoption of the services ... -
Investors are faced with tough choices during the COVID-19 crisis, which could impact their returns for years to come. Given that the downside risk of making the wrong call is so high, this is a great time to learn important lessons about how to deal with the ... -
Reasons to be Cheerful… Part One
Ecommerce is a winner A message we are hearing repeated everywhere, particularly by CEOs and management teams of the stocks we own, is that ecommerce is the undisputed winner of this crisis. The trend of physical commerce moving online has accelerated rapidly, ... -
Dominion Funds are Outperforming the Market
We are very pleased to report that all three of Dominion’s Global Trends Funds are significantly outperforming the market. What’s driving this performance? Actions we have taken across the funds that are working for investors, protecting their capital ... -
Starbucks pays farmers an additional $20 million to keep coffee crisis at bay
Starbucks, the world’s coffeehouse kingpin, has a problem: as coffee prices tumble, the providers of its high-quality beans are suffering an outsize hit to their competitiveness. The reason that this is a problem is simple: if the farmers that supply ... -
LVMH reaffirms its green credentials – as well as its optimism
The world’s largest luxury company, LVMH, has pledged to improve its environmental credentials in a bid to keep younger consumers on-side. The company is planning to cut emissions again, and improve its sourcing on materials like animal fur. Despite this ... -
Live Nation acquires Hog agency in Finland
World-leading music promoter Live Nation has continued its spate of acquisitions with Finnish competitor Hog Agency & Promotion. Hog is a key player in Finland, and represents some of the country’s most popular homegrown talent: Olavi Uusivirta, Adi L ... -
PayPal wins major victory with entrance into China
Online payments giant PayPal has managed to accomplish what everyone’s trying to do: it’s found a way into China. The world’s most populace country is a prize that firms in almost every industry are competing for. Its staggering amount of economic ... -
Richemont acquires Jewellery brand Buccellati
At the end of September, luxury giant Richemont announced a new purchase: high end jewelry brand Buccellati. The conglomerate said that it had purchased 100% of the renowned Italian jewelry house for an undisclosed price, and that the transaction would have ... -
Adobe has a strong third quarter… but weaker than hoped for guidance upsets investors
Adobe, the software giant that pretty much owns the creative space in digital, reported third-quarter earnings last month that overshot analysts’ expectations. Despite this win, the maker of programs like Photoshop and InDesign saw its share price decline. ... -
Tencent’s nationalist homage sees it top Chinese gaming charts
Earlier this week, China celebrated 70 years of Communist Party rule. And Tencent, the country’s most powerful force in video gaming (and, lets be fair, probably the world’s most powerful, in terms of sheer financial clout), has been quick to take ... -
Nike shares hit new record on better-than expected fiscal year
The king of sporting footwear has done it again – beaten the Street, and sent its share price up. Last week, it reported earnings for fiscal 2020, showing that new products and investments into ecommerce had driven sales up. On the company’s earnings ... -
Galaxy throws more sponsorship at Japan, as integrated resorts get closer to reality
Gaming giant Galaxy Entertainment Group is continuing to ingratiate itself with Japanese consumers as the country’s new gaming sector moves closer to realisation. Japan has been a no gambling territory for years, but that’s set to change. Relaxation of ... -
Netflix takes on the big boys of cinema with an unlikely partnership
Streaming video on demand market leader Netflix’s business model is simple: take as much compelling content, and put it directly on a small screen (any small screen) in the customer’s home. In many ways, legendary director Martin Scorsese’s ... -
Amazon unveils new slew of hardware
Ecommerce giant Amazon has unveiled a wide range of new hardware options, taking what some commentators feel is a “shotgun” approach to product targeting: throw out everything you can think of, and see what sticks. Given the fast-increasing penetration ... -
Take-Two boss: do players want “all-you-can-eat”?
Strauss Zelnick, the man at the top of market-leading video game company Take-Two Interactive, is sounding a note of caution over subscription services in gaming. And he’s worth listening to. Not only is he CEO of the company that’s behind breakout ... -
Facebook gets proactive about security – suspends “tens of thousands” of third-part apps
Social media giant Facebook made more than its fair share of enemies in early 2018. The platform’s security measures (which have since been updated) allowed a researcher to harvest data from 87 million users (against Facebook’s code of conduct, it should ... -
Louis Vuitton adds 1,500 jobs in France thanks to luxury boom
Luxury is in a good place. At least, that’s the message that Louis Vuitton, flagship brand of the world’s largest luxury company, LVMH, is sending. The iconic French company has announced that it’s creating 1,500 more luxury manufacturing jobs in ... -
Netflix takes the challenge to UK TV
Streaming video on demand (SVOD) market leader Netflix has a clear plan to capture international audiences: create shows directly for them. The company will continue to produce nationally and locally appealing films for a variety of countries around the world, ... -
Xylem Inc expands Planet Water Foundation partnership
Xylem Inc., the global leader in water technology, has announced the extension of its Planet Water Foundation partnership. The Planet Water Foundation is a non-profit focussed on delivering clean water access and hygiene education to areas that lack these ... -
Facebook pushes forward with blockchain ambitions
Social media giant Facebook is continuing its push towards the creation of its own cryptocurrency, Libra. The company is just one of many in a consortium that includes big names like PayPal and Mastercard which is seeking to use blockchain technology to create the ... -
Amazon ramps up Indian endeavour
Just a week after reporting on Amazon’s biggest ever investment into India, we’re taking another look at the ecommerce giant’s expansion in the Indian market. On Monday, the company announced its “biggest festive sales in India”. Titled ... -
Ferrari remains resolute that it will not compromise exclusivity
Luxury supercar maker Ferrari is on a winning streak. For years, its shares have risen consistently. And even the untimely death of the late Sergio Marchionne, the brand’s “superstar CEO” wasn’t able to derail this trajectory for more than ... -
Spotify reignites music label ambitions with SoundBetter acquisition
Music streaming market leader Spotify used to offer artists a direct route to listeners. Earlier this year, it closed that down, in a move that many interpreted as failure (or, more charitably, strategic withdrawal). Spotify had used this program to cut music labels ... -
Baidu overtakes Google to become number 2 in worldwide smart speaker market
Guess what? Chinese internet giant Baidu has just hit a major milestone, surpassing Google’s sales of smart speakers and propelling itself into the number two position globally! A new report from Canalys says that Baidu overtook Google in the second quarter of ... -
Grubhub gets a major new partner in fast-food delivery war
In the fast food world, there are a handful of names that tower over their peers like giants. One such name is McDonald’s – a brand that casts a shadow over anyone else who can cook a burger at speed. Now, food order and delivery service Grubhub has ... -
Constellation Brands: as Millennials have kids, they’re drinking more
According to new research from Constellation Brands, aging Millennials are turning to the bottle as they have families. The alcoholic beverage giant, which is behind premium cerveza lager brands like Corona as well as numerous wines and spirits, says that an uptick ... -
Good news continues for Anta Sports with record-breaking first half
It’s been a great year so far for Anta Sports. The Chinese athleisure giant, which is increasingly being seen as a serious competitor for established companies like Nike, is a real home-grown success story. Major western brands once dominated the Chinese ... -
Amazon has opened its largest ever building – but it’s not in the US
Ecommerce giant Amazon is setting its sights on a huge new market outside of the US – at least, the fact that it’s opened its largest-ever building in Hyderabad, India, seems to suggest as much. To be fair, Amazon’s Indian ambitions aren’t ... -
Why Nike’s divisive advertising got it right
A year ago, Nike did the unthinkable: it waded into a massive and controversial debate over whether athletes should stand for the US National Anthem. This debate was fuelled by racial tension and political divide – a smart brand would stay out of it. Right? ... -
Tencent beats on profit, misses on revenue
Last month, Chinese ecommerce giant Tencent, undoubtedly the country’s dominant force in both gaming and social, reported mostly positive earnings for its second quarter. Despite an outsized beat on profit expectations, Tencent’s shares didn’t ... -
Investment Outlook for September 2019
In spite of widespread publicity surrounding the probability of a global recession (often accompanied with downgrades of growth projections), and increased uncertainties surrounding international trade and the robustness of growth trends, underlying structural ... -
LVMH wants to help save the rainforest
You will be well aware of the tragedy encompassing the Amazon Rain Forest, as wildfire runs rampant through what has been called the “lungs” of the Earth. The G7 has pledged financial support in the Amazon’s time of need (although Brazilian ... -
Amazon Prime Video looks to colonise the continent
Amazon Prime Video is making its European debut thanks to a new deal between Amazon and Altice Europe. The latter partner will be making Prime Video available to its SFR customers in France, including the app in its TV box. This is a big deal for Amazon, which is ... -
Facebook is exerting its influence on Instagram
Social media giant Facebook is exerting more pressure on Instagram, the photo-sharing social site that it purchased a few years ago. In a lot of ways, Instagram is vitally important to Facebook. Though not as large as its parent, the platform is huge by most ... -
Galaxy Entertainment Group sees Yokohama bid as progress
Japanese city Yokohama is officially planning to bid for one of the three Integrated Resort licenses being issued by the Japanese government. Integrated Resorts are a by-word for hotel complexes that include casinos – thereby introducing gaming to the country. ... -
Pernod Ricard uses Malibu event to appeal to Gen Z
The next big demographics question for consumer businesses is this: how do we capture Gen Z? Generation Z is the name given to those people younger than millennials (the oldest of whom are now around 40), and they are the shoppers of the future. Drinks companies are ... -
Amazon looks to pacify big names with “top brand” status
Ecommerce titan Amazon is looking to improve relationships with some of the most visible brands on its platform in a move that will see them recommended to customers. The company, which counts brands like Speedo and Under Armour amongst its product offerings, has ... -
Xylem Inc. named a world-changer second year in a row
Global water technology market leader Xylem has been named in Fortune magazine’s “Change the World” list for the second year in a row. The list is a ranking of 50 companies that have made a significant social impact through their core business ... -
Estee Lauder delivers “outstanding” results for fiscal 2019
Cosmetics giant Estee Lauder reported results this week that should bring a smile to investors’ faces – and judging by the rapid ascent of its share price after the company revealed financial data, it has! Estee Lauder CEO Fabrizio Freda described the ... -
Strong growth in video streaming helps Baidu beat the Street
Chinese tech giant Baidu, the internet search giant often referred to as Asia’s Google, reported earnings on Monday that beat the Street’s predictions for top-line growth, and demonstrated a healthy underlying business. Particularly notable was the ... -
Mastercard makes its biggest ever deal to acquire real-time payments unit
Cashless transaction giant Mastercard has made the biggest deal of its life thus far, purchasing the real-time payments unit of Denmark-based Nets Group. The company will use its newfound capabilities in real-time payments to bring it one step closer to its eventual ... -
Constellation Brands continues to streamline wine and spirits unit
Alcoholic beverage giant Constellation Brands is continuing to streamline its wine and spirits unit, hoping to focus on the quality, rather than quantity, of brands on offer. That started with a major sale of the company’s lower-end wines to E. & J. Gallo. ... -
Alibaba beats the Street thanks to strength in ecommerce and cloud
Chinese ecommerce giant Alibaba, the country’s market leader in online retail and cloud computing, reported earnings last Thursday that beat analysts’ expectations on the top- and bottom-lines. The company defied doom-and-gloom reporting over a Chinese ... -
GlaxoSmithKline takes aim at parents in new meningitis commercial
Pharmaceutical giant GlaxoSmithKline (GSK) has released a new advert for its meningitis vaccine that targets parents, and will hopefully spread awareness of meningitis B, as kids return to college (where communal lifestyles increase risk of contracting the disease). ... -
JD smashes profit expectations, beats on top- and bottom-lines, share price soars
Chinese ecommerce giant JD.com, the country’s second-largest online retailer, posted earnings for its second quarter this week that blew analysts’ expectations out of the water. It also signalled that its core business was in rude health despite trade ... -
Galaxy Entertainment hit by trade war, weakening China, but confident on long-term
Gaming giant Galaxy Entertainment reported earnings this week that demonstrated the impact of the US / China trade war and a weakening Chinese economy. These headwinds conspired to keep the company’s revenue down, though good luck on the part of the house ...
Latest News
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Luxury Consumers “Just do it” - “where they want, when they want and how they want”
-
The Ecommerce Fund: Anniversary Newsletter
-
Starbucks pays farmers an additional $20 million to keep coffee crisis at bay
-
LVMH reaffirms its green credentials – as well as its optimism
-
Live Nation acquires Hog agency in Finland
-
PayPal wins major victory with entrance into China
-
Richemont acquires Jewellery brand Buccellati
-
Adobe has a strong third quarter… but weaker than hoped for guidance upsets investors
-
Tencent’s nationalist homage sees it top Chinese gaming charts
-
Nike shares hit new record on better-than expected fiscal year
-
Galaxy throws more sponsorship at Japan, as integrated resorts get closer to reality
-
Netflix takes on the big boys of cinema with an unlikely partnership
-
Amazon unveils new slew of hardware
-
Take-Two boss: do players want “all-you-can-eat”?
-
Facebook gets proactive about security – suspends “tens of thousands” of third-part apps
-
Louis Vuitton adds 1,500 jobs in France thanks to luxury boom
-
Netflix takes the challenge to UK TV
-
Xylem Inc expands Planet Water Foundation partnership
-
Facebook pushes forward with blockchain ambitions
-
Amazon ramps up Indian endeavour
-
Ferrari remains resolute that it will not compromise exclusivity
-
Spotify reignites music label ambitions with SoundBetter acquisition
-
Baidu overtakes Google to become number 2 in worldwide smart speaker market
-
Grubhub gets a major new partner in fast-food delivery war
-
Constellation Brands: as Millennials have kids, they’re drinking more
-
Good news continues for Anta Sports with record-breaking first half
-
Amazon has opened its largest ever building – but it’s not in the US
-
Why Nike’s divisive advertising got it right
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Tencent beats on profit, misses on revenue
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Investment Outlook for September 2019
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LVMH wants to help save the rainforest
-
Amazon Prime Video looks to colonise the continent
-
Facebook is exerting its influence on Instagram
-
Galaxy Entertainment Group sees Yokohama bid as progress
-
Pernod Ricard uses Malibu event to appeal to Gen Z
-
Amazon looks to pacify big names with “top brand” status
-
Xylem Inc. named a world-changer second year in a row
-
Estee Lauder delivers “outstanding” results for fiscal 2019
-
Strong growth in video streaming helps Baidu beat the Street
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Mastercard makes its biggest ever deal to acquire real-time payments unit
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Constellation Brands continues to streamline wine and spirits unit
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Alibaba beats the Street thanks to strength in ecommerce and cloud
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GlaxoSmithKline takes aim at parents in new meningitis commercial
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JD smashes profit expectations, beats on top- and bottom-lines, share price soars
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Galaxy Entertainment hit by trade war, weakening China, but confident on long-term
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Anta breaks new ethical ground – first Chinese company to join Better Cotton Initiative
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Domino’s looks to better delivery to fight off rivals
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Take-Two boss says video games are primed for 25 years of growth
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Spotify now a major player in fragmented Indian music streaming scene
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Facebook revives its news ambitions with generous licensing offers
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Royal Caribbean: big data rules the seas
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Booking Holdings beats the Street’s predictions in second quarter
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Skyworks misses estimates – hurt by Huawei ban
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Match Group smashes expectations, share price skyrockets to new all-time high
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Estee Lauder supports women in tech with Kode with Klossy expansion
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Take-Two smashes earnings estimates and criticises Trump
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Marriott meets expectations on profit – but a narrow miss on revenue sends share price down
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Tencent partners with Nintendo to bring Switch to China
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Treasury Wine Estates releases multi-country blend into UK market
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Investment Outlook for August 2019
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Givaudan continues M&A spate with purchase of “much-respected” Drom
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Ferrari beats on top- and bottom-lines… but static guidance sends share price down
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Amazon plans to sell Apple – and the FTC is watching closely
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Spotify wins big on top- and bottom-lines… but slight subscriber growth disappoints
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Mastercard beats the Street on bottom line
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Match joins a privileged group: app store avoiders
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How Domino’s is looking to beat delivery services and win the pizza wars
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Starbucks smashes Street’s expectations, share price jumps
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Alibaba lets American sellers onto oldest platform
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Kering sees revenue rise – but investors displeased with Gucci sales slowdown
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Cognex beat the Street – but weak guidance spooks investors
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Royal Caribbean reports strong second quarter
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Visa tops expectations, weighs up Facebook’s cryptocurrency
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Novartis CEO: Sandoz is not for sale
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If you read this newsfeed regularly, you will already be aware of the revolution in entertainment that is esports. The term denotes a convergence of three things: video games, sporting competition, and streaming technology. In short, it’s the practise of
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Alphabet sees share price rocket after strong earnings beat
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Ecommerce titan Amazon reported mixed second-quarter earnings at the end of last week that sent its share price down. It’s hard to consider the company’s results a failure, given that all its metrics are still showing growth, but analysts and investors ha
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Expedia beats the Street on revenue, earnings
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Constellation Brands purchases stake in US rum distiller
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Fashion drives LVMH growth beyond expectations
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Facebook beats the Street despite critics
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Moncler sees double-digit growth in first half of the year
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eBay decoupling hits PayPal earnings
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Galaxy Entertainment Group looks to encourage young footballers in Japanese community soccer program
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GoDaddy partners with Better Business Bureau to create Phoenix incubator
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BYD unveils new design hub to take lead on cars of the future
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Sandro partners with Farfetch
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GlaxoSmithKline celebrates major impact on Bangladesh health care scene
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The world’s largest eyewear company pursues growth through acquisition
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PayPal looks to big international expansion for Xoom
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Snapchat renews deal with Baidu
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Cameco “pleased” with Trump’s uranium decision
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Aptiv partners with Lyft and the National Federation of the Blind to bring self-driving to low-vision riders
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Alibaba wins ticketing contract for Beijing 2022 Olympic Winter Games
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Richemont sees sales rise as Hong Kong protests dent watch growth
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Prime Day is now bigger than Black Friday and Cyber Monday combined
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Netflix beats on earnings, but shares slide on lower-than expected new customer sign-ups
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Novartis approaches record highs after strong second quarter
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Will Lindt sales be buoyed by cold weather earlier in the year?
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JD.com uses automated vans to deliver goods
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Marriott takes aim at Airbnb
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Givaudan wants to enable quicker innovation and market access for start-ups – and it’s partnering with Buhler to do it
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Xylem: digital water is “already here”
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When it comes to athleisure, running clubs are the new influencer
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The battle is on for China’s next big ecommerce market – and Alibaba is in the lead
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Mixed results send Domino’s down
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Prime Day got off to a strong start – and it’s not just big-ticket items anymore
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Facebook’s $5 billion fine actually made it money
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Stella McCartney has jumped-ship to LVMH
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Amadeus looks to ethics with strengthened Key Travel partnership
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As Stranger Things 3 breaks Netflix’s records, Nielsen confirms the show is a MASSIVE hit
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Ferrari deepens its hold on the auto industry’s wealthiest clients
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Want to go viral? Inditex has the magic
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Charles River says new innovation lab will be open in “early 2020”
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Alibaba looks to ramp up the excitement over this year’s Single’s Day
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Amazon makes huge commitment to staff training
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Adidas pledges to offer more support to minority employees
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Compass Group snaps up “boutique” operator Dine Contract Catering
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Xylem Inc. announces ambitious new sustainability goals
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Galaxy Macau revamp underway in show of confidence from owner
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Baidu’s self-driving cars have racked up more-than a million miles in 13 Chinese cities
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Spotify reorganises content for premium users
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Starbucks and Amazon partner on new football documentary
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Hermes US boss sees in-store retailing “here for a while”
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Leaks suggest Netflix boss is mandating stricter hold on purse strings
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Farfetch is all about sustainable fashion
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Constellation Brands brings wine in a can to American Football fans
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Visa: World Cup analysis shows world is going contactless
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Idexx Laboratories sees change at the top – board confident in future performance
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Viasat partners with Centre for Appropriate Technology and Indigenous Business Australia to build Real-Time Earth ground station
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Is Big Tech’s hardware a defence against anti-trust regulators?
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As water crises loom, Xylem says smart tech is the way forward
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Global Payments acquires Total System Services in huge deal for fintech
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Gucci banks on high-end jewellery for further growth
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Nike’s fiscal fourth quarter was great for revenue – but currency effects hit earnings
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Take-Two games will appear on streaming platforms – but boss thinks they’re overhyped
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Project Loon heads to Kenya for first commercial trial
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BYD makes its way into London
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Netflix to announce “blockbuster” deal with Pinewood Group
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Amazon to hire 2,000 UK staff to work on Big Tech
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It was a bold move, but Spotify puts an end to indie artists
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Self-driving cars get a safety blueprint
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For Visa and Mastercard, India is a tough market to crack – but it’s also a potential goldmine
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Royal Caribbean extends fleet, moves towards greener operations
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Pernod Ricard looks to optimise supply chain with AI and machine learning
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Amadeus IT moves closer to smart airports with ICM Airport Technics acquisition
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Constellation Brands sees success in first quarter
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Alphabet pushes to keep smart city dream alive
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GlaxoSmithKline puts focus on bringing drugs to market faster
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Kering has a new target: violence against women
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Investment Outlook for July
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Grubhub: growth of plant-based meat orders is “staggering”
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Macau casinos leverage AI and facial recognition for further growth
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BYD in talks to provide India with electric vehicles
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Facebook is number one in the Philippines
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Marriott wants to push further into travel & homesharing
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What’s Amazon’s strategy for live sports?
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Interested in a post-meat world? Givaudan’s got your back!
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Directors Guild continues the war on Netflix – but, for now, big awards shows don’t follow suit
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Instagram Explore promises to be a $1 billion advertising goldmine for Facebook
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Alibaba looks to double the number of brands it works with internationally
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LVMH makes bold inclusivity statement with support of LGBTQ rights
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Ferrari’s luxury pedigree is on proud display as icon model classified “work of art”
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Live Nation and Adobe partner on “Creative Tour”
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Good news for Novartis as judge blocks generic competitors
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JD.com’s logistics arm raises $218 million
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Facebook to launch independent oversight board to review content decisions
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Hermes moves into “bespoke” items… like fishing sets!
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Xylem: why industry can’t ignore smart water tech
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Inditex’s new growth strategy – cut stores, boost space
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Marriott puts innovation first and sees huge opportunities for growth
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Netflix: users may add other services, but they won’t cancel Netflix
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Mastercard embraces inclusivity, allows transgender and non-binary customers to use their real names on cards
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Is Grand Theft Auto 6 closer than gamers think?
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Shopify to follow Amazon’s lead with US fulfilment centres
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Estee Lauder moves to fight animal cruelty
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PayPal COO exits the company at the end of this year
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Alibaba looks to gamify ethics
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Match’s Mandy Ginsberg on the importance of innovation
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Kering CEO: more than 50% of customers for “some brands” are millennials and Gen Z
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Chinese electric vehicle specialist BYD partners with Macquerie over electric trucks in Australia
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Givaudan opens new innovation centre in Switzerland, focussing on new solutions
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Farfetch joins Facebook’s Libra initiative
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Adobe can now create algorithms that paint like the masters
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Baidu sees major growth on the way for autonomous car OS
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Cognizant makes second Irish acquisition in three months with Zenith deal
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Royal Caribbean is leading the way towards “data-driven cruising”
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As regulators mull break-up, Alphabet investors could see a 50% upside
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Amazon responds to AOC criticism, champions higher minimum wage
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Domino’s Pizza puts delivery robots on Texas streets
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Will Take-Two Interactive have another smash hit franchise on its hands with The Outer Worlds?
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Facebook’s getting into the cryptocurrency business – and it’s bringing some of the biggest names in payments with it
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GlaxoSmithKline partners with University of California to spur drug discovery
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Pernod Ricard buys majority stake in Rabbit Hole Whiskey
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Record sales demonstrate Inditex’s expansion is a great success
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Grubhub share price soars as it beats off the big boys
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Starbucks’ secret innovation lab is the key to its future
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Compass Group to buy Fazer Food Services
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Spotify is winning the war in India
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PayPal is in the market for new strategic investments
