God bless you, may you live a long and healthy life, this helped me so much, shit, I feel like this is the first time I've understood accounting. I sat crying in the bathroom for 10minutes yesterday because I genuinely believed I was going to fail accounting, my professor's a douche who doesn't care if his students understand or not :) thank you so much x
Well, it's been 9 years since you posted this, and I'd like you to know that it is still helping people out there. Like me. Thank you. This is the best explanation I found in youtube. You are awsome, thank you so much.
You are amazing Kristin ! I struggled over why net A/R is the same before and after Write-offs but after watching this video, it locked into my brain for ever. Thanks a lot. :)
Thank you so much! Your videos are better then the class textbook online material and teacher material in my class. You should make more accounting videos!
Awesome post! I'm taking a financial accounting course as part of my program's concentration and found your explanation easy to follow relative to the Prof's. Thanks immensely for sharing your knowledge. Wishing you good health, long life, prosperity and excellence in your career.
What a saint of a women. Thank you for your video. You teach this much better then my accounting professor! Are you in the education sector? you are very talented. thank you
Kristin, you are just brilliant!!!! You are absolutely a master to explain a simple concept in a simple way. When I read Willey plus (accounting book) my head spins because of poor explanation of a simple concept. In my opinion Willey plus should take lessons from you on how to teach people and how to write books for students. Wishing you the best.
Thank You! This really explains the concept sooooo much! I appreciate the time you have taken to explain this. How do I journalize the uncollectible from beth or adjust the Allowace for Uncollectible Debt? Thank You again.
+Melissa Latulippe You can see an example here: accountinginfocus.com/financial-accounting/accounts-receivable/direct-write-off-and-allowance-methods-for-dealing-with-bad-debt/
You might be just my saviour for this intermediate accounting class I have. Thank you Thank you Thank you!! I was close to swtiching majors but you might just help me save myself. lol Just subscribed!
+Micah De Asis Thanks for the compliment. I'm so glad I could help. Don't forget to check out my website, accountinginfocus.com. Feel free to contact me if you have questions by leaving a comment on a video or through the contact form on the site.
Thanks, helpful! Just don't get why do we have ADA after we figured out who was not gonna pay... 🤔why is there still an allowance for doubtful account then?
Thanks, Kristin, this was an awesome video. I have googled a few things and my professor has made things VERY UNCLEAR, so could i pretty please ask for help on this one question? So I have A/R of 200,000$. And the question says: Assume that after the firm crecorded the $5000 write off's, it determined that 18% of its remaining A/R will be uncollectable under the aging method. Provide entry to record the bad debt expense. So I did the calculation: 200,000$-5000$= 195,000. Then 18% of this would be 35,100. The Allowance account has Beg. bal of $1000 credit, I debited the write-offs and got $4000 remaining debit balance in my Allowance. So now that I've done all this, do I add the $4000 to the 35,100$ to get a total of $39,100? I am a bit confused because I know that Allowance is always credit?
Hi Kirstin, I hope you can see my comment, I got one question for "allowance for bad debt" method, we know that if we write off the bad debt, we can get tax deduction for the current period. But what if bad debt are recovered next period, we should also reverse the tax, but how to reflect on journal entry?
For tax purposes, you can only write off bad debt when there is no way it is collectible. That means the company must be bankrupt or insolvent. If for some reason you do recover some of the money, you would record it as income in the next year.
This is great! Thank you a lot for clear explanation of this subject! this is the first video i found that explains everything about Allowance The only thing i want to ask is what happens with the Bad Debt Expense (which was $500) after we adjusted the Allowance for Noncollectable?
+InternetApproach yes. When you do the A/R write off under the allowance method, you do not include Bad Debt in the journal entry. Therefore, Bad Debt Expense would still be $500.
First, thank you. This was very informative. You've done me, and apparently many others, a wonderful service. I do have a question: Would a company be justified to reduce its balance in its Allowance for Doubtful Accounts for any other reason than crediting an AR to write it off?
If the company feels the balance in the Allowance account is too high because of improved e onomic conditions or improved credit collection policies, it may be necessary to reduce the balance in the account. Most companies are fairly conservative with their allowance calculation, so we do not see the need for downward adjustment often. Thanks for your comment! Glad the video was helpful.
Is the net value or the Accounts Receivable value typically shown on the balance sheet? Because one of the recognition criteria for an asset is that there has to be a greater than 50% chance that the benefits of the assets will be received, so do we assume with certainty that the "Allowance for Doubtful Debts" will all eventually be lost?
***** There are many estimates on the balance sheet. The allowance for doubtful accounts is just one of them. Accounts Receivable is always shown net of the Allowance. If estimates are correct, the allowance should be used up over the same period that the balance is Accounts Receivable is collected.
Thanks for the video. A question though. Assuming that instead of Beth defaulting on payment, it is Sally. Would it not affect the net A/R bringing it down to 900?
Sally's balance is $300, so the entry to write off her account would be a debit to allowance for $300 and credit to accounts receivable for $300. The balance is accounts receivable would be $1,100 - $300 =800. The balance is allowance is $500 - $300 = $200. Net accounts receivable is $800 - $200 = $600. Whenever you write off an account under an allowance method, your net accounts receivable should not change because you are reducing the balance in both accounts receivable and the allowance by the same amount. I hope that helps. Please let me know if you still have questions.
Kristin Ingram Hello Ma'am. In section 11:47 onwards, you said that suppose we know Beth isnt going to pay. Earlier, you made a Provision for Doubtful Accounts Because They are Doubtful, so when we know Beth isnt going to pay, Why we didnt Debit "Bad Debit A/C" and Credit "Allowance for Doubtful Debts A/C"? I'll be waiting for you reply madame. The video is great. Gracias to you.
Umer Ihsan When we created the allowance for doubtful accounts, the bad debt expense was recorded at that time. The journal entry to record Beth's nonpayment does not create more bad debt. It uses up some of the allowance balance and brings her account receivable balance to zero. Accounts receivable must be one of the accounts, otherwise her account will still show that she owes the company money. Therefore, you must credit accounts receivable to eliminate her balance. The debit is allowance for doubtful accounts because the purpose of that account is to hold a dollar value for the debt we believe will go bad.
Very helpful explanation, Thank you. i would like to ask, when using direct method does the bad debts also affect the balance sheet particularly Account receivables. we understood that, bad debts affect the income statements as its under expenses but what about the balance sheet. Thank you in advance.
+Sharma Ali in the direct write off method, accounts receivable is the credit in the journal entry. Therefore, accounts receivable is reduced directly.
+Vera Hite Textbooks always show debits first, but in the real world, it does not matter as long as your journal entry balances. I'm so glad you found the video helpful!
+mostafa shanab thank you for the suggestion. I will add that to my list of topics to add. Sum of the years digits is not widely used in the United States.
+mostafa shanab There is more information on A/R here: accountinginfocus.com/financial-accounting/accounts-receivable/direct-write-off-and-allowance-methods-for-dealing-with-bad-debt/ I will add factoring, assignment, and pledging to my list of future videos.
The remaining $400 stays in the allowance account to use against other A/R accounts that might go bad. Remember, we believe that $500 of the A/R is going to go bad. We used up $100 so if we are correct in our estimate there is another $400 that will go bad eventually.
Thank you for the suggestion. The reason I do not use Excel is because many people lose track of the formulas. Writing it out is slower, but people tend to understand it better.
+mostafa shanab Here is a post I did on a multistep income statement for merchandising companies: accountinginfocus.com/managerial-accounting-2/introduction-managerial-accounting-2/income-statements-for-merchandising-companies-and-cost-of-goods-sold/
+Kristin Ingram ADA, BDE videos were helpful... sometimes I become grouchy during evening study, please excuse me...will be studying again tonight, likely will view more of your videos...
+JJ Collins No worries. It was good feedback. If I can be of assistance as you continue to study, please feel free to leave comments on the videos. I also have more info at accountinginfocus.com
I'm sorry you had issues with the sound. Did you have the sound within RUclips turned up? I haven't had people have issues with the sound on this video.
To T. Annie Young. I am so glad you are NOT in a live classroom with all of us. I'd teach you a lesson that you would never forget. That I can tell you.
God bless you, may you live a long and healthy life, this helped me so much, shit, I feel like this is the first time I've understood accounting. I sat crying in the bathroom for 10minutes yesterday because I genuinely believed I was going to fail accounting, my professor's a douche who doesn't care if his students understand or not :) thank you so much x
+InhaleTheInsanity Thank you for your beautiful comment and blessings! I'm so glad I could help you.
im crying after watching this cuz i cant understand
What are you having trouble with?
Taking an online course and the textbook made zero sense on this subject. You made it crystal clear. Thanks a TON!
You're very welcome!
Wow thanks! I got lost during my lecture on bad debt expense so this is fantastic.
1.5 hours of lecture = 15 minutes of RUclips video. Thanks alot .
Glad it was helpful!
Well, it's been 9 years since you posted this, and I'd like you to know that it is still helping people out there. Like me. Thank you. This is the best explanation I found in youtube. You are awsome, thank you so much.
Thank you! Glad to hear it!
Great job arbitrarily placing the ads right in the middle of the explanation youtube. Really helpful.
Unfortunately, I have little control over where the ads are placed.
I have a test in 2 hours on this. I was super worried, but not anymore!! I understand this !!!! Thanks !
👿
I am studying for CPA at the moment and your videos really help me. Thank you so much!
+lan tran I'm so glad you find them helpful. Good luck with the exam!
THANK YOU, Thank you, thank you. This allowed me to make the previous 2 hours of re-reading and sorting worth it! Subscribed.
Wonderful! I'm so glad it's been helpful.
It's my second time taking accounting and your video is going to save me
I'm so glad!
this is the best explanation about bad debt I've ever had. Thank you so much!
Glad it was helpful! Your so welcome.
You are amazing Kristin ! I struggled over why net A/R is the same before and after Write-offs but after watching this video, it locked into my brain for ever. Thanks a lot. :)
+Seerat Raseen Thank you. So glad I could help clear that up for you.
i can't mention in words how happy i am to watch this video.
GOD BLESS YOUR SOUL. Finally I understand this part!!!
+Setareh - So glad I could help! Thanks for commenting.
I was little confused about concepts, but now I totally understand. Thank you~
+Hyunjoo Oh you're welcome. Glad I could help. I appreciate your comment. It helps others find my videos.
Thank You, I was struggling to understand this concept, and you made it clear. Great Work!!
You're very welcome! I'm so glad it helped.
Yes, it was, I checked all. The only way I was able to hear it was to use a headset maxed out. Thank you for addressing the issue.
I appreciate you letting me know.
Thankyou soo much for the help! sometimes its the litte areas where you get stuck and need a simple guide!
Glad I could help! Thanks for commenting.
I love this woman's voice. It actually turns me on to accounting and taxation. I mean it :-)
Thanks. I think. LOL.
Best explanation of ADA and BDE I've heard.
Thank you! Glad I could help.
Thank you so much! Your videos are better then the class textbook online material and teacher material in my class. You should make more accounting videos!
Super Wog I am so glad you found my videos helpful. Thank you for the very nice comment.
Thank you so much! You shed light on this for me at last, I appreciate your clear explanation 💜
You are so welcome! Glad I could help.
Awesome post! I'm taking a financial accounting course as part of my program's concentration and found your explanation easy to follow relative to the Prof's. Thanks immensely for sharing your knowledge. Wishing you good health, long life, prosperity and excellence in your career.
Thank you! I'm so glad it's helpful.
Amazing video, saving me in my accounting class
Glad it helped!
Thank You! This really explains the concept within 10 minutes only.
You're welcome!
What a saint of a women. Thank you for your video. You teach this much better then my accounting professor! Are you in the education sector? you are very talented. thank you
I taught in higher ed for 13 years. Now I train moms to be bookkeepers from home. Thanks for your compliments!
Kristin, you are just brilliant!!!! You are absolutely a master to explain a simple concept in a simple way. When I read Willey plus (accounting book) my head spins because of poor explanation of a simple concept. In my opinion Willey plus should take lessons from you on how to teach people and how to write books for students. Wishing you the best.
Thank you. If you need more helo with your class, don't forget to check out my website, Accountinginfocus.com.
Thank you! this was so much more helpful than my professor's explanation
You're welcome! Thanks for commenting.
Your videos are really helpful and well explained. Take a bow !
Thank you!
Great video! This definitely explained it better than my William & Mary grad accounting professor, LOL.
Thank you! So glad I could help.
Thank You! This really explains the concept sooooo much! I appreciate the time you have taken to explain this. How do I journalize the uncollectible from beth or adjust the Allowace for Uncollectible Debt? Thank You again.
+Melissa Latulippe To journalize the uncollectible account, debit Allowance for Uncollectible Accounts and credit Accounts Receivable.
+Melissa Latulippe You can see an example here: accountinginfocus.com/financial-accounting/accounts-receivable/direct-write-off-and-allowance-methods-for-dealing-with-bad-debt/
You might be just my saviour for this intermediate accounting class I have. Thank you Thank you Thank you!!
I was close to swtiching majors but you might just help me save myself. lol Just subscribed!
+Micah De Asis Thanks for the compliment. I'm so glad I could help. Don't forget to check out my website, accountinginfocus.com. Feel free to contact me if you have questions by leaving a comment on a video or through the contact form on the site.
Thanks, helpful! Just don't get why do we have ADA after we figured out who was not gonna pay... 🤔why is there still an allowance for doubtful account then?
This tutorial is better than my prof
So glad it helped!
@@allkristiningram yes it did! your video is a life saver, thanks!
hey there :) which app u use in making these videos . i mean the black background. could u please tell
I just use a paint program and fill the screen black before I start.
Honestly Kristin I know you're white, but you still my nigga after this
+Gana Ramesh Glad I could help! Thanks for commenting.
Gana Ramesh What the hell dude...
Thanks, Kristin, this was an awesome video. I have googled a few things and my professor has made things VERY UNCLEAR, so could i pretty please ask for help on this one question? So I have A/R of 200,000$. And the question says: Assume that after the firm crecorded the $5000 write off's, it determined that 18% of its remaining A/R will be uncollectable under the aging method. Provide entry to record the bad debt expense. So I did the calculation: 200,000$-5000$= 195,000. Then 18% of this would be 35,100. The Allowance account has Beg. bal of $1000 credit, I debited the write-offs and got $4000 remaining debit balance in my Allowance. So now that I've done all this, do I add the $4000 to the 35,100$ to get a total of $39,100? I am a bit confused because I know that Allowance is always credit?
Is the entry (dr bad debt expense and cr AFDA) done at the beginning of the year or end of the year?
You make great videos, thank you.
May God gives you what your heart wishes !!!
Thank you!
Question..
if expense goes up onto debit side, wouldn’t be the contra bad debt expense goes up onto credit side?
Thank you amazing video
Bad debt isn't the contra account. Allowance for doubtful accounts is.
Thank you, so this is the same as an expense? Thanks again.. keep on posting videos
great explanation
Glad it was helpful!
Really well done
Thank you!
Great video!!
Thank you for the explanation!
gerald sellars You're welcome! So glad you found it helpful!
Hi Kirstin, I hope you can see my comment, I got one question for "allowance for bad debt" method, we know that if we write off the bad debt, we can get tax deduction for the current period. But what if bad debt are recovered next period, we should also reverse the tax, but how to reflect on journal entry?
For tax purposes, you can only write off bad debt when there is no way it is collectible. That means the company must be bankrupt or insolvent. If for some reason you do recover some of the money, you would record it as income in the next year.
This is great! Thank you a lot for clear explanation of this subject! this is the first video i found that explains everything about Allowance
The only thing i want to ask is what happens with the Bad Debt Expense (which was $500) after we adjusted the Allowance for Noncollectable?
+InternetApproach The bad debt expense is only affected when the bad debt is booked for the year (DR Bad Debt Expense, CR Allowance).
+Kristin Ingram, are you saying that it will stay $500 in your example?
+InternetApproach yes. When you do the A/R write off under the allowance method, you do not include Bad Debt in the journal entry. Therefore, Bad Debt Expense would still be $500.
First, thank you. This was very informative. You've done me, and apparently many others, a wonderful service. I do have a question: Would a company be justified to reduce its balance in its Allowance for Doubtful Accounts for any other reason than crediting an AR to write it off?
If the company feels the balance in the Allowance account is too high because of improved e onomic conditions or improved credit collection policies, it may be necessary to reduce the balance in the account. Most companies are fairly conservative with their allowance calculation, so we do not see the need for downward adjustment often.
Thanks for your comment! Glad the video was helpful.
Thank you, this video was so helpful!
You're welcome! So glad I could help!
I can’t thank you enough you are amazing really
Your welcome! And thank you.
Is the net value or the Accounts Receivable value typically shown on the balance sheet? Because one of the recognition criteria for an asset is that there has to be a greater than 50% chance that the benefits of the assets will be received, so do we assume with certainty that the "Allowance for Doubtful Debts" will all eventually be lost?
***** There are many estimates on the balance sheet. The allowance for doubtful accounts is just one of them. Accounts Receivable is always shown net of the Allowance. If estimates are correct, the allowance should be used up over the same period that the balance is Accounts Receivable is collected.
Thanks for the video. A question though. Assuming that instead of Beth defaulting on payment, it is Sally. Would it not affect the net A/R bringing it down to 900?
Sally's balance is $300, so the entry to write off her account would be a debit to allowance for $300 and credit to accounts receivable for $300.
The balance is accounts receivable would be $1,100 - $300 =800.
The balance is allowance is $500 - $300 = $200.
Net accounts receivable is $800 - $200 = $600.
Whenever you write off an account under an allowance method, your net accounts receivable should not change because you are reducing the balance in both accounts receivable and the allowance by the same amount.
I hope that helps. Please let me know if you still have questions.
Kristin Ingram
That links the concepts. Thanks for your prompt reply.
Odeh Odeh glad I could help!
Kristin Ingram Hello Ma'am. In section 11:47 onwards, you said that suppose we know Beth isnt going to pay. Earlier, you made a Provision for Doubtful Accounts Because They are Doubtful, so when we know Beth isnt going to pay, Why we didnt Debit "Bad Debit A/C" and Credit "Allowance for Doubtful Debts A/C"?
I'll be waiting for you reply madame. The video is great.
Gracias to you.
Umer Ihsan When we created the allowance for doubtful accounts, the bad debt expense was recorded at that time. The journal entry to record Beth's nonpayment does not create more bad debt. It uses up some of the allowance balance and brings her account receivable balance to zero. Accounts receivable must be one of the accounts, otherwise her account will still show that she owes the company money. Therefore, you must credit accounts receivable to eliminate her balance. The debit is allowance for doubtful accounts because the purpose of that account is to hold a dollar value for the debt we believe will go bad.
Kristin Ingram I got it Madam. You are great. Thankyou very much!
You're welcome! So glad I could help
Straight forward to the point ... like it
You're welcome.
Very helpful explanation, Thank you. i would like to ask, when using direct method does the bad debts also affect the balance sheet particularly Account receivables. we understood that, bad debts affect the income statements as its under expenses but what about the balance sheet. Thank you in advance.
+Sharma Ali in the direct write off method, accounts receivable is the credit in the journal entry. Therefore, accounts receivable is reduced directly.
Kristin Ingram; Thank you very much.
+Sharma Ali you're welcome. Glad I could help!
you're the best. honestly
Adriano Suckow Thanks!
You are awesome! This was incredibly helpful
+Julien Dark thank you! So glad I could help!
Kristin, thank you so much! You made it easily clear! Just one thing: shouldn't we record debts first when writing off Beth's bad debt?
+Vera Hite Textbooks always show debits first, but in the real world, it does not matter as long as your journal entry balances.
I'm so glad you found the video helpful!
Oh wow! Thank you for the prompt answer! Yes, you were able to explain in a minute what the text book makes long and confusing.
+Vera Hite Thanks so much. I appreciate your comment!
why you arenot add sum-of-year-digit methods in you lectures for depreciation methods ????
+mostafa shanab thank you for the suggestion. I will add that to my list of topics to add. Sum of the years digits is not widely used in the United States.
These videos are great, however I'd understand it better if T accounts were used.
Thank you for the feedback. I will consider doing another video with T-accounts.
yoh,thank you a lot it was helpfull,you have make me love accounting,please can you do more videos.
Let me know if there are any topics you'd like to see videos for and I'll do my best to make them.
Wow. Great Tutorial! Thanks!
ShutterBug Booth You're welcome! Glad you found the video helpful.
great explanation. Thanks!
+refayet salman you're welcome. Glad I could help!
excellent quality video, thank you!
You're welcome.
Thank You Very Much!!!!
You're welcome! Glad it helped!
SO helpful! Thank you!
You're welcome. Thanks for leaving a comment!
please i want material for this lectures and lectures for factoring,assignment and pledge of A/R
+mostafa shanab There is more information on A/R here: accountinginfocus.com/financial-accounting/accounts-receivable/direct-write-off-and-allowance-methods-for-dealing-with-bad-debt/
I will add factoring, assignment, and pledging to my list of future videos.
thank you, this was very helpful to me :)
+TheLawlroflmao You're welcome! So glad I could help!
Great video.
capt kar Thanks! I'm glad you liked it!
Awsome awsome lecture!!!
+irisli I'm so glad you found it helpful! Thanks for commenting!
Thank you for sharing!
You're welcome. Glad I could help.
Thank youuu I finally get it
You're welcome!
You are amazing,,, THANK YOU SOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO MUCH
+Saif Jawad you're welcome. So glad I could help!
why you say DR A/R CR ALLOWANCE WHEN YOU WRITE OFF THE BETH DEBT FROM MY VIEW YOU MUS SAY DR ALLOWANCE CRA/RPLEASE ANSWER ME ABOUT THIS EXPLANATION
+mostafa shanab when writing off an account, debit allowance and credit AR. When restoring an account, debit AR and credit allowance.
+Kristin Ingram you mean the entry of recovery (DR AR and CR allowance)
+mostafa shanab yes to recover the AR if the customer pays after the write off has bee recorded.
thank you!
You're welcome!
what does it happen with the rest 400 in the allowance?
The remaining $400 stays in the allowance account to use against other A/R accounts that might go bad. Remember, we believe that $500 of the A/R is going to go bad. We used up $100 so if we are correct in our estimate there is another $400 that will go bad eventually.
Thank you for your answer.
I would suggest you should use Excel work book and type instead using pen and write.This would save time.
Thank you for the suggestion. The reason I do not use Excel is because many people lose track of the formulas. Writing it out is slower, but people tend to understand it better.
Agreed, make sense 😄
Plus, excel looks like crap in a video tutorial. There's a reason Khan Academy made the writing video so popular: it works very well.
Private User yes, Excel often does not translate well to video.
What software do you use in these videos? I've been looking for something like this.
please i want lecture for multiple step income statement
+mostafa shanab Here is a post I did on a multistep income statement for merchandising companies: accountinginfocus.com/managerial-accounting-2/introduction-managerial-accounting-2/income-statements-for-merchandising-companies-and-cost-of-goods-sold/
thanks Kristin , your videos are so helpful ...could you please do a profit and loss account with adjusted entries ...thanks
pelise Silas I'm not sure what you mean by profit and loss account with adjusted entries. Do you mean an income summary account?
every helpful!!!
Thanks! I appreciate your comment!
lifesaverrrr! hello
I'm glad this helped.
Great thank you
You're welcome!
Why can´t my tutors explain it this easily
I'm so glad this was helpful!
OMG thank you!!!!
You're welcome. Glad I could help!
Thank you
You're welcome!
top, dit!
Thank you!
Use speed 1.25x for a better viewing experience
Thanks for the suggestion.
Video just saved me from losing my head over this dog shit course. If I'd found these day 1 then I'd probably have an A.
I'm glad I could help. Hopefully you still have time to get a good grade.
thanks so much :)
You're welcome!
god bless your beautiful soul
+maral f Thank you! So glad I could help you!
Bitch better have my money
sorry I had to but other than that, and I know you get this a lot in the comments, really helpful and informative.
Certainly got my attention. Thanks for commenting. Make sure to tell your friends!
weak journal form, a bit verbose also...
+JJ Collins thank you for the feedback. I am glad you were able to understand this topic quickly without the lengthy explaination.
+Kristin Ingram ADA, BDE videos were helpful... sometimes I become grouchy during evening study, please excuse me...will be studying again tonight, likely will view more of your videos...
+JJ Collins No worries. It was good feedback. If I can be of assistance as you continue to study, please feel free to leave comments on the videos. I also have more info at accountinginfocus.com
Way too quiet audio
Sorry to hear that.
Seriously....SPEAK UP....I've turned my laptop up to 100% and I can ALMOST hear you. Both of your RUclips videos are this way. This is useless to me!!
I'm sorry you had issues with the sound. Did you have the sound within RUclips turned up? I haven't had people have issues with the sound on this video.
To T. Annie Young. I am so glad you are NOT in a live classroom with all of us. I'd teach you a lesson that you would never forget. That I can tell you.
It did help a lot. Thank you!
Marcell B. Glad you found it helpful!