@@CORRUPT_Bakamon Nahi hota hai. Main baniya hi hun aur hum log lakdi kaat ke laate hain jungle se aag banane ke liye aur apni khud ki ugayi sabziyan banate hain. For water, I send my girlfriend to bring it from the nearby river. I also scream like a crow if someone leaves a light switch on in another room. When I went to purchase a car, I bought a horse instead because I would never have to buy petrol or diesel. Parking ka bhi issue nahi aata hai kyunki maine usko train kiya hai ki agar koi stranger usko touch kare toh woh usse laat maar ke dur fenk de. Aur jab main juice kharidta hun, toh har baar glass mein ice cube daal ke pita hun, jaise juice jaada dino tak chale.
I wish I had even a fraction of money management sense which the baniya community has. You are lucky your husband has that sense, the family is in secure hands .
no bro... apna sahi hai...kamaya khaya piya njoy kiya we lived the life...no offence khya ukhadega save karke ..har koi apne kismaat ka leke aata hai lekin koi leke jaata nahi! live life king size cheers
When I was in school, class 6 or 7 - when I used to buy chocolates and sweets, my baniya friends used their tiffin money to buy shares - at that time I did not know what a share is - while they used to read the second last page of newspaper for economic news. Today, by God's grace I could barely manage to become a doctor and earn something for my family, while my friends own big businesses that can hire 100 doctors like me on salary basis. I realize now how childish I was and how mature they were. Respect to the baniya community for their extra ordinary monetary sense and timely training to their children.
@@nishant_kharkwal 6-7 saal nahi likha sir maine - please dhyan den - class 6-7 likha hai - Mai school ki baat kar rahaa hoon - aur eik jankari aap ko deta chaloon - prasiddha Warren Buffet jee ne apna pehle share 11 saal ki umra me khareeda - aur unki behn ke naam se bhi khareeda jo sirf nau saal ki thee - eik aur interesting information deta chaloon - meri umra 61 years hai aur mere birth par - janm lete hee mere Nana jee ne mere naam se 10 share L&T ke khareede thhe - Jinki face value Rs10 thee - wo share aaj bhi mere paas hain - kitne dividend, kitne split, kitna ultratech sab ho gaya lekin eik bhi share nahi becha 😀😃😁 - eik baar issi baat pe thumbs up 👍 mere liye
बतौर ब्राह्मण मैं कहता हूं देश के सपूत है बनिया , ये घर का वह कमाऊ पूत है जो घर को समर्द्ध बनाता है, आज बनिया समाज है तो देश समर्द्ध हो रहा , यही लोग है जिनकी उद्दमी प्रकृति देश मे रोजगार के अवसर पैदा कर रही , तो मेरे बनिया ब्रदर्स को दिल से ढेर सारा प्यार 😘
@@tarun-2505 इसमें जातिवाद कैसा ? बनिया वह वर्ग है जो अपने परिश्रम और बुद्धि से देश की इकनॉमी को हेल्प कर रहे , रोजगार के नए अवसर बाकी लोगो के लिए पैदा कर रहे, तो इसकी प्रशंसा करना गलत कैसे ? रही जाति की बात तो जाति तो इस्लाम , ईसाई सबमे है जिसे वो बहुत कट्टरता से निभाते है लेकिन इनके यहां इसे इश्यु नही बनाया जाता , हम सनातनियो में ही यह बीमारी है किसी दूसरी जाति प्रशंसा सहन नही होती।
@@satyamARAS बौड़म आदमी ब्राह्मण की स्पेलिंग जाकर पहले सीख लो फिर आओ ज्ञान देने, ब्राह्मण महज चेतना है , तो देश से लेकर विदेश तक मे रिसर्च से लेकर टॉप पोजिशन में जो भारतीय समूह बैठा है उसमें ब्राह्मण सबसे ज्यादा कैसे हैं ? भारत के आज तक कुल 8 लोगो को नोबल पुरस्कर मिला उनमे से 7 ब्राह्मण कैसे ? गूगल के सुंदर पिचाई से लेकर माइक्रोसॉफ्ट के सत्या नडेला तक ब्राह्मण कैसे ???क्योंकि विज्ञान मानता है जेनेटिक गुण एक यथार्थ है , जो आज के ब्राह्मण है इनमे उन पुर्वजो का जीन्स है जिन्होंने हजारो वर्ष तक रिसर्च और एनालिसिस में में योगदान दिया है , जिस कारण वह मेधा शक्ति आज के ब्राह्मणो में जीन्स के थ्रू आती है। यदि थोड़ा भी कंसंट्रेट कर ले तो परफार्मेंस अच्छी ही होती है।
Thanks to the baniya community for their good dharm (virtues) which sustaining the bharat economy. Your hardwork may give you personal life pain.. but this going to benefit not only your generation but also good for all Indians.
phlee baat to daruu chicken to baniye dooosre ke paiso ka peete and khatee hai.. pr apnee paisoo se doosre ko ni pilatee h.. rhee baat money manage krna anee chaiye bst h but pooore jindgi mr mr ke jeete hoo hr dinn savings no enjoymnt nd ol uska kya???? yuk lifesttyle scheee ... fir usss gareebi jse jeevan pr doosre ko gareeb khte ho and kudh ko ameer ... bs shadi and ghr bnane pr khrchte hooo and beyond that galt fehmi mein hoo ki doosre caste m smjhdaar log nhi milnge-- hai doosre caste mein bhi jo money manage krna jante hai bt apke jsa living standrd koi ni chahta .. 🤮🤮🤮
phlee baat to daruu chicken to baniye dooosre ke paiso ka peete and khatee hai.. pr apnee paisoo se doosre ko ni pilatee h.. rhee baat money manage krna anee chaiye bst h but pooore jindgi mr mr ke jeete hoo hr dinn savings no enjoymnt nd ol uska kya???? yuk lifesttyle scheee ... fir usss gareebi jse jeevan pr doosre ko gareeb khte ho and kudh ko ameer ... bs shadi and ghr bnane pr khrchte hooo and beyond that galt fehmi mein hoo ki doosre caste m smjhdaar log nhi milnge-- hai doosre caste mein bhi jo money manage krna jante hai bt apke jsa living standrd koi ni chahta .. 🤮🤮🤮
Haa bhai, tu chale jaa America. Waha ki police teri chamdi dekh ki goliyon se bhun degi. Chalte firte Tandoori Chicken banadegi tera. Aur agar tu baccha hai aur unke schools mein jayega toh waha ke log school mein bhi shoot karke chota sa Chicken Tikka bana denge tereko.
As a baniya i approve this video.....😂😂😂😂😂😂 Baniya ek ek paisa bachata hai, mere papa hamesha mujhse bolte hein beta waqt achha ho or kamai achhi ho kharch kam se kam karna or save zyada se zyada karna taki jab waqt badle or zindigi mein kathin samay aae toh yahi paisa tumare kaam mein aega......
लेकिन हम बनिये इतने सहनशील हैं कि कितना भी मजाक बना लो, खुद ही हंस देते हैं । वहीं अगर किसी चमार को चमार बोल दो तो वो कोर्ट केस करने फिरता है । बनियों की सहनशीलता ही सफलता का पायदान है । #मक्खीचूस बनिया
Chote hote baniye ko baniya baniya bolke chedte the ki tu kanjus hai lekin ab jealous feel hoti hai ki tu baniya hai... I am very impressed ki kaise wealth management karte hain or kitne rich hote hain
As a baniya I totally agreed it . There is no spend only investment.😂
Acha Kahana pinna nahi ho ta hea kya expenses
I also
@@CORRUPT_Bakamon kuch pta bhi hai🤣
@@CORRUPT_Bakamon Nahi hota hai.
Main baniya hi hun aur hum log lakdi kaat ke laate hain jungle se aag banane ke liye aur apni khud ki ugayi sabziyan banate hain.
For water, I send my girlfriend to bring it from the nearby river.
I also scream like a crow if someone leaves a light switch on in another room.
When I went to purchase a car, I bought a horse instead because I would never have to buy petrol or diesel.
Parking ka bhi issue nahi aata hai kyunki maine usko train kiya hai ki agar koi stranger usko touch kare toh woh usse laat maar ke dur fenk de.
Aur jab main juice kharidta hun, toh har baar glass mein ice cube daal ke pita hun, jaise juice jaada dino tak chale.
पहली बात ये है आप एक घटिया और मशीनी जीवन जी रही है, दूसरा आपको एक अलग से समाज बनाना चाहिए जहाँ केवल बनिये ही हो...
She turned from 23 to 46 in just seconds..
At least, not from 6 years old to 9 years old...
Ahem xD.
I wish I had even a fraction of money management sense which the baniya community has. You are lucky your husband has that sense, the family is in secure hands .
Sahi bola....even I m baniya....money management is wonderful in this community
@@jyotigupta843 lot to learn from . Much respect and regards
no bro... apna sahi hai...kamaya khaya piya njoy kiya we lived the life...no offence khya ukhadega save karke ..har koi apne kismaat ka leke aata hai lekin koi leke jaata nahi! live life king size cheers
Well Sindhis Are better in money management and earning than Banias 😙
Btw no offence 😅😂
@@nikgujare18 agreeed
As a baniya totally relate it . ❤❤
Same here
Ye toh genes me h bhai hamare😂
I am also baniya ..😂😂 I agree Aisa hi hota h hamary yaha ..😂
That hand movement note ❤❤❤
Gotta agree... Baniya weddings have the best food
As a Bengali , Baniyo ko mera salute 🙏
Yeh log apne next generation keliye prepared rehte hai
Aur apni life bhot ghatiya bana kar jeete h kanjoosi me
@@Kartik..Choudhary Jetaa aapnar kanjoosi bole shetake hishebi bola hoy . Behishabi jibon japon jibon o poribar er proti hanikarok. 500 takay bangali bikri hoye jaaye aajkal 🤡
@@theindicwagner bhai amio bangali. amader kayastha community age erom chilo kintu ajke communism trinomool ar partition amader chakri jibi baniye diyeche. amra Bangla r bhobishot amader paltate hobe ei bangla
@@candy-jk7rk obboshoi aamader eti kortyobo !! aami Bangali Namashudra jonojaati theke eshechi kintu varna Kshatriya. aamader dadu thakuma ra bangladesh theke eshechilo jaate tara Pakistan Army der haathe pran na haray.
Okhane aamra shob theke richest minority chilam kintu shob hariye tarpor Kolkata e eshe notun kore gorlam , takar pahad banalam... ei Kolkata aamader gorber shohor ebong Poschimbongo aamader Dr Shyamaprasad Mukhopadhyay er bolidan er fol....eke rokkha aar uttolon kortei hobe
@@Kartik..Choudharyagree money manage kroo bt lifestyle itnaa gnda rkhooo... cheee
Baniye ki kismat khul gyi😊
As a baniye... I cn totally relate😂
Main bhi 😂
As a baniya ...i spend most in my group but plan my expenditures as well !
jhoooth😂😂😂😂
When I was in school, class 6 or 7 - when I used to buy chocolates and sweets, my baniya friends used their tiffin money to buy shares - at that time I did not know what a share is - while they used to read the second last page of newspaper for economic news.
Today, by God's grace I could barely manage to become a doctor and earn something for my family, while my friends own big businesses that can hire 100 doctors like me on salary basis.
I realize now how childish I was and how mature they were.
Respect to the baniya community for their extra ordinary monetary sense and timely training to their children.
@@nishant_kharkwal Abe kuch bhi fek raha ye banda 😂😂😂😂. 6-7 yrs ka londa shares lera tha. 🤦🏼♂️🤦🏼♂️
@@nishant_kharkwal 6-7 saal nahi likha sir maine - please dhyan den - class 6-7 likha hai - Mai school ki baat kar rahaa hoon - aur eik jankari aap ko deta chaloon - prasiddha Warren Buffet jee ne apna pehle share 11 saal ki umra me khareeda - aur unki behn ke naam se bhi khareeda jo sirf nau saal ki thee
- eik aur interesting information deta chaloon - meri umra 61 years hai aur mere birth par - janm lete hee mere Nana jee ne mere naam se 10 share L&T ke khareede thhe - Jinki face value Rs10 thee - wo share aaj bhi mere paas hain - kitne dividend, kitne split, kitna ultratech sab ho gaya lekin eik bhi share nahi becha 😀😃😁 - eik baar issi baat pe thumbs up 👍 mere liye
@@ssahasramorganics7664 👍👍👍
@@vhtevhte 😀😃😁
Ye to khud baniya hai na ki koi doctor
I can agree that my father is totally same as discussed in the video😂
As a marwadi baniya I can confirm all the things what u are saying
Same Here, I do take Leaves on monday wer all my Friends are enjoying weekends
Sad 😢
hand moments 😂
Flipping finger...😂😂😂 i know wat u mean sweety😂😂
ungli krne mai expert h husband 😂
She looks like real life Monjolika!!! 😂😂😂😂 {Chhin chhin chhin}
Bhai aisa comment mai kab se dundh raha tha 😂😂 ki kisi ko iske andar manjulika dikhi kiu nhi 😅😂
@@Lucifer-ni3mm Jitno ko dikhi hai, utne likes hain comment me 😂😂😂😂
Raat m achanak aankhe kholti hogi toh aapka husbnd darr jata hoga!! 😂😂😂
Bhai main dar gyi ye ankhein dekh ke
@@himangimahajan3631 Arre, aankhon ki wajah se nahi darte.
More like- "Shit, kahi paise naa maang le shopping ke liye."
@@himangimahajan3631 😂😂
Sachmuch darawani h yeh!!
Beerana ki bhutni chodne ka alag maja h
Cash ginne ki speed 🤣🤣 Hand movement OP 😂😂
It's chutiyappa
I am baniya too. I can relate most of it.. you are lucky to have baniya as ur husband.. Atleast will add some money sense to your life.
बतौर ब्राह्मण मैं कहता हूं देश के सपूत है बनिया , ये घर का वह कमाऊ पूत है जो घर को समर्द्ध बनाता है, आज बनिया समाज है तो देश समर्द्ध हो रहा , यही लोग है जिनकी उद्दमी प्रकृति देश मे रोजगार के अवसर पैदा कर रही , तो मेरे बनिया ब्रदर्स को दिल से ढेर सारा प्यार 😘
😂pyar sabko do keval baniyo ko nahi pyar sabse lo santani ekta no castism .
Jai shree ram
Har har mahadev
Bharmin jaat nahi bhaiya chetna hai sir name nahi hai bharmin .
@@tarun-2505 इसमें जातिवाद कैसा ? बनिया वह वर्ग है जो अपने परिश्रम और बुद्धि से देश की इकनॉमी को हेल्प कर रहे , रोजगार के नए अवसर बाकी लोगो के लिए पैदा कर रहे, तो इसकी प्रशंसा करना गलत कैसे ? रही जाति की बात तो जाति तो इस्लाम , ईसाई सबमे है जिसे वो बहुत कट्टरता से निभाते है लेकिन इनके यहां इसे इश्यु नही बनाया जाता , हम सनातनियो में ही यह बीमारी है किसी दूसरी जाति प्रशंसा सहन नही होती।
@@satyamARAS बौड़म आदमी ब्राह्मण की स्पेलिंग जाकर पहले सीख लो फिर आओ ज्ञान देने, ब्राह्मण महज चेतना है , तो देश से लेकर विदेश तक मे रिसर्च से लेकर टॉप पोजिशन में जो भारतीय समूह बैठा है उसमें ब्राह्मण सबसे ज्यादा कैसे हैं ? भारत के आज तक कुल 8 लोगो को नोबल पुरस्कर मिला उनमे से 7 ब्राह्मण कैसे ? गूगल के सुंदर पिचाई से लेकर माइक्रोसॉफ्ट के सत्या नडेला तक ब्राह्मण कैसे ???क्योंकि विज्ञान मानता है जेनेटिक गुण एक यथार्थ है , जो आज के ब्राह्मण है इनमे उन पुर्वजो का जीन्स है जिन्होंने हजारो वर्ष तक रिसर्च और एनालिसिस में में योगदान दिया है , जिस कारण वह मेधा शक्ति आज के ब्राह्मणो में जीन्स के थ्रू आती है। यदि थोड़ा भी कंसंट्रेट कर ले तो परफार्मेंस अच्छी ही होती है।
Paise bhi bohot maarte hain yeh log market mein...😂
Disclaimer: It was written in a joking manner.
Not all baniyas are like that.
Hand movement😂😂😂😂
Thanks to the baniya community for their good dharm (virtues) which sustaining the bharat economy. Your hardwork may give you personal life pain.. but this going to benefit not only your generation but also good for all Indians.
phlee baat to daruu chicken to baniye dooosre ke paiso ka peete and khatee hai.. pr apnee paisoo se doosre ko ni pilatee h.. rhee baat money manage krna anee chaiye bst h but pooore jindgi mr mr ke jeete hoo hr dinn savings no enjoymnt nd ol uska kya???? yuk lifesttyle scheee ... fir usss gareebi jse jeevan pr doosre ko gareeb khte ho and kudh ko ameer ... bs shadi and ghr bnane pr khrchte hooo and beyond that galt fehmi mein hoo ki doosre caste m smjhdaar log nhi milnge-- hai doosre caste mein bhi jo money manage krna jante hai bt apke jsa living standrd koi ni chahta .. 🤮🤮🤮
you are lucky mam if u r baniya u will never face economic crisis .
phlee baat to daruu chicken to baniye dooosre ke paiso ka peete and khatee hai.. pr apnee paisoo se doosre ko ni pilatee h.. rhee baat money manage krna anee chaiye bst h but pooore jindgi mr mr ke jeete hoo hr dinn savings no enjoymnt nd ol uska kya???? yuk lifesttyle scheee ... fir usss gareebi jse jeevan pr doosre ko gareeb khte ho and kudh ko ameer ... bs shadi and ghr bnane pr khrchte hooo and beyond that galt fehmi mein hoo ki doosre caste m smjhdaar log nhi milnge-- hai doosre caste mein bhi jo money manage krna jante hai bt apke jsa living standrd koi ni chahta .. 🤮🤮🤮
Baniya always Baniya baki sb pudina daniya😅
She's revealing BANIYA ways 😂😅😅😂😂😅
😂😂😂😂😂 Naughty😅
Baniye ki life style he ye, i am living in 😂😂
as a baniya... i can understand ur dukh
Indian society can never get rid of Caste,
Grading and judging people is in their blood
asa asli me hote h bhaiya
Discrimination sahi nhi hai. Caste me bulana el trh se thik he hai.
Haa bhai, tu chale jaa America.
Waha ki police teri chamdi dekh ki goliyon se bhun degi.
Chalte firte Tandoori Chicken banadegi tera.
Aur agar tu baccha hai aur unke schools mein jayega toh waha ke log school mein bhi shoot karke chota sa Chicken Tikka bana denge tereko.
Some die rich and some live rich..choice is yours..
live rich-punjabis
Etna sahi nhi bolna tha bhen😂😂😂
Proud to be baniya from which ever part you stay in world mindset is same
As a baniya i approve this video.....😂😂😂😂😂😂
Baniya ek ek paisa bachata hai, mere papa hamesha mujhse bolte hein beta waqt achha ho or kamai achhi ho kharch kam se kam karna or save zyada se zyada karna taki jab waqt badle or zindigi mein kathin samay aae toh yahi paisa tumare kaam mein aega......
Mai jatt family se hu mera father kehnda beta khao peo aish kro ptta ne kdo mar jana 😂😂😂😂😂
@@harmandeepkaur-md2kupunjabis are best
In up we called them Teliiii😂😂😂
In bihar also 🤣🤣🤣🤣🤣🤣
yesss
Ye to BYJUS walo ki tarah Monday ko off rkhte hain 😅😅
Eyes badi beautiful hai apki
Anxiety, stress aur diabetes flow in baniyas jeans
Obesity - yaar zindagi me dubla patla baniya nahi dekha - agar dekha bhi to dubli patli baniyain nahi dekhi 😀😃😄
Just joking 🙃
Genes*🧬
True😂
@@shashankyaduvanshi4245 and Ugly looking Faces of Baniya community.
THATS SO ME AND IM BANIYA WTFFF
Russian madam hindi kitni achchi bolti hai 👍👍👍
Your eyes are so beautiful mam ❤
My husband said the same thing on honeymoon.
Chal jhuthi. Aisa real me thode hota hai
@@himdude9637 Hota hai.
Maine toh gaslight kiya tha ki Honeymoon pe jaake aa bhi gaye hain wapas, tum bhul gayi hogi.
1 lakh ki saving hogayi.
@@Aryan-nv9kd 🤣🤣🤣🤣
धत tere की
Magic of fingers 🤌🤞😂❤
you're looking like beautiful actress "Mandakini "
I am watching at 2am and her eyes scared me 😂
Love the achi baat very much buri baatos highly relatable
Thers an audition for nagin serial ....😂😂😂
Bilkul sahi 😂👌👌👍
perfect 😂👍
सेवा ,दान धर्म में बनिये सदैव अग्रसर रहे है
Bhart ke aache nagarik baniye.😊
But u shld remember one thing in life.....
We all came in ds world Empty Hand n will go Empty hand 😎
yess
@@richaRicha379 of am not mistaken is dth ur feet ?
paise dakhe ke jo shadi kia hai...uska gyaan bohot sundor
🤣🤣 hand move🔥
very relatable.😂
And the f***ed part is that they make it sound like it is something to be proud of this lifestyle....hahha
😂😂
exactly shee kha apne
That hand movement 🌚🌚
MAAL HO MADAM GAJAB WALI 👌👌😘😘♥️ MY FINGURES IS ALSO READY FOR U KNOW VERY WELL 😘😘♥️♥️
Koi gf bna le thulle.
Kyun dusro pe muh marne ki sochra h
Ab lag raha hai...yh dukh Mera hi nahi hai
Hand moment 😂
I subscribed by just seeing this video. Supperlike!
Baniye poora new place ghoomte hai aur business chances dhudhte rahte hai
HAND MOVEMENT CAN BE PUT TO GOOD USE 😜 LINE IS TRUEEEEE 🤣🤣🤣
Omg ....one moment it looked its horror show....
Fingring so fast😂😂😂😂
itni khatarnaak aankhen :D
Your baniya husband is so lucky to have a beautiful wife lile you
When face filters starts stop starts 😂😅
Baniya naam sunke hi subscribe kiya h achi achi tips dena...😂
Being a baniya I can relate
waah didi soo coool
Well Sindhis Are better in earning and in smartness than Banias
Btw no offence 😂😅
aur lifestyle b ach maintain rkhte h
😂 totally agreed
लेकिन हम बनिये इतने सहनशील हैं कि कितना भी मजाक बना लो, खुद ही हंस देते हैं ।
वहीं अगर किसी चमार को चमार बोल दो तो वो कोर्ट केस करने फिरता है ।
बनियों की सहनशीलता ही सफलता का पायदान है ।
#मक्खीचूस बनिया
Humare yahan to sunaya jaata hai😂 weekend hota hai aapka .(.humari chutti per) sab homemakers ka overtime,extra duty hours hote hain 😢😢😢
😂
Wow so beautiful 😍 peshe
I m also baniya ..i can relate...but we expend too
Baniya rocks yr
Baniye 🔥🔥🔥
Full video link plz
Aap jaisi patni bhagwan sab patiyon ko de
😂😂 Yr aisa na bolo kharcha bhi mast krte hai hum 😎
Baniye ❤❤❤
How fast movement u want 😂
Aapki aankhe dekhte dekhte ...pure video me aapne kya bola mujhe pata hi nahi chala
Esliye to economy growth me bahut jyada contributions baniyon ka hota hai
I m baniya tooooooo😂😂😂😂
Dora the explorer 😂😂🤣🤣🤣
Chote hote baniye ko baniya baniya bolke chedte the ki tu kanjus hai lekin ab jealous feel hoti hai ki tu baniya hai... I am very impressed ki kaise wealth management karte hain or kitne rich hote hain
तभी तो हर जगह लिखा रहता है अच्छे नागरिक बनिये 😊
Are dukan chodo kaho mere Pati BANIYA HAI 😂😂😂
Ya wo parjati ha jo ek dukan sa utna kma sakta ha jitna ek admi ek factory sa
Handmovement😂😂😂
Desh ke ache nagric "Baniye" 😎
Gande nagric konn hai fir 🙂
@@NIHAALVLOG are wo kahawat hai
Yahh😎
@@rishavraj3547 arhe ha mane ek stand up me suni thi 😂
@@NIHAALVLOG Jinhone 26/11 mein terrorists ki madad ki thi.
Ghar ke cockroach nagrik.
Humlogo ka pura poll mat kholo maidam 😅
Mereko laga dani Daniel hindi kaise bolne lag gyi 😂😂
Have you ever auditioned for a horror movie role ?
Gold diggers को मोटे बनियो के पैसे से मतलब होता है 😂😂
अब शादी की तो थोड़ा भुगतना तो पड़ेगा ही।
I m thinking you are narrating my story
she have a good sprm.