Tuesday, July 7

ICFO Archive: Shopping Online 1

Older archive but a good history of Shopping Online

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Terrible People Create Fake Amazon Pages, Convince Walmart To Price-Match them 

Mobile shopping apps raise privacy and security issues


Shopping online just got a little riskier

10 ways to ensure your security while shopping online

Why mobile matters for online shoppers

EBay Outs Revamped Mobile Apps For Android And iOS To Lure Back Sellers And Buyers

38 percent of online retailers are not yet prepared for the holiday season

What is Black Friday and when is it in 2015?

Commuter commerce: More shopping online as they ride transit

10 Ways to Protect Yourself From Identity Theft During the Holidays

Singles Day 2015 just became the biggest online shopping day in history

Online Shopping Creates Surge of Holiday Shipping

The importance of strong passwords when shopping online

Cyber fraud causes loss to the online shopping site

46 Percent of Holiday Shopping, Buying Will Be Online

ID theft blockers: Holiday shopping protection

Black Friday: 6 tips for surviving the biggest shopping day of the year

The Unconventional Guide to Black Friday Shopping

Online sales tipped to break records during Click Frenzy

Dodging the twists and turns of shopping online this holiday season

Online Shoppers Warned Of Gift Card Scam

Black Friday 2015: 11 tips to protect you from online shopping fraud

Black Friday: 11 online shopping safety tips to protect you from fraud

Online Personal Shopping Services Flourishing

Online personal shopping services are exploding

Sending online shoppers into a frenzy

The Evolution of Online Holiday Shopping

Protect Your Data While Shopping Online This Holiday Season

BBB warns shoppers ahead of the holiday shopping season

Unsafe Password Policies Leave Holiday Shoppers Vulnerable Online According to Dashlane Security Study

Multi-million dollar Sydney shopping center makeover aimed at unplugging online market

One-quarter of firms allow workers unrestricted access to shopping sites

Shopping Online: Work’s Guilty Pleasure? Nearly One in Four Office Shoppers Admit to Being Caught Red-Handed by their Manager

Logistics of online shopping are still something of a mess

How to score the best Black Friday deals

Here’s why you shouldn’t go to the store on Black Friday

Why do we call it Cyber Monday? 

The wearable leggings that help you shop smarter online

The best Black Friday deals 2015 

Ready to spend? Study says shoppers headed online

Holiday Shopping Paranoia! Smart Chip Cards Prompting Jump in Online Cr Card Fraud

Higher Level Of Fraud Online Expected This Holiday Shopping Season

Online and real shops merge into a seamless customer experience

Millennials drive online holiday shopping

How Alibaba pulled off its Singles Day Shopping Fest

Lazada: Online shopping site expands reach to remote areas in the region

Online shopping: Ministry disowns responsibility

Black Friday: the 5 best retailers for online shopping

Shopping online this holiday season? Read this first

This Holiday Season, Canadian Consumers Want a More Mobile Shopping Experience

9 tips for staying safe as you shop online

New Survey by Rakuten: Christmas Online Shopping Set to Rise in Asia

Singapore shoppers get ready for Black Friday online discounts

Take the online shopping addiction test 

Protect Your Wallet and Your Information This Holiday Season

Cybersecurity expert explains how to avoid online shopping scams

SD attorney general urges residents to be careful shoppers

Bedfordshire police’s tips for outsmarting Black Friday scammers

Smart shopping tips for Black Friday

Viral Target coupon offering 50% off debunked

14 Holiday Shopping Scams to Avoid This Year

Scam Awareness Alliance Alert: Watch out for These Top Holiday Scams

The rise of online shopping – and how to stay safe

Crime Watch (Spoofing): Plan your online shopping carefully

Holiday consumer shopping tips

Santa Claus Girls: Cyber Monday and cyber safety

Watch for scams and thieves this holiday season

BBB offering shopping, giving advice

Better Business Bureau offers a guide to gifting and giving

Online sales hit record for Thanksgiving

Online scam warning ahead of Black Friday

Online shoppers outnumber in-store shoppers over Thanksgiving weekend

Black Friday online shopping rivals stores in the US

Online Shopping Tops Stores on Black Friday Weekend

More people chose to shop online than in-store this Thanksgiving weekend But shoppers still spent more on brick-and-mortar retailers

Cyber Monday – get the best deals and know your online shopping rights

Citing rapid evolution of retail, experts give up on tracking Thanksgiving weekend spending

Cyber Monday builds on Black Friday online shopping spree

Online Shoppers Spent Nearly Half A Billion Early Cyber Monday, Sales On Track To Hit $3 Billion

How to Be A More Confident Online Shopper

Cyber Monday: it’s the most wonderful time of year for cyber-attackers

Cyber Monday tops off super shopping period

Cyber Monday 2015: Are employees shopping online while at work?

Cyber Monday isn’t what it used to be

Shopping online? Here’s how to keep your data safe

Online sales hit record for Thanksgiving

More people chose to shop online than in-store this Thanksgiving weekend

$3B Sales Made Cyber Monday Largest Online Shopping Day Ever: Adobe http://blogs.barrons.com/techtraderdaily/2015/12/01/3b-sales-made-cyber-monday-largest-online-shopping-day-ever-adobe/

Will Thanksgiving replace Cyber Monday as the biggest online shopping day? http://www.oregonlive.com/window-shop/index.ssf/2015/12/thanksgiving_cyber_monday.html

Cyber Monday Was The Biggest Online Shopping Day Ever http://www.thestreet.com/story/13382107/1/cyber-monday-was-the-biggest-online-shopping-day-ever.html

More Employees Are Getting Fired for Shopping Online at Work http://fortune.com/2015/12/01/online-shopping-work-fired/

See Proof Everybody Is Doing Their Black Friday Shopping Online Now http://time.com/4130835/online-shopping-black-friday-cyber-monday/

Online shopping surges on ‘Black Friday’, Konga records N1b sales in 48 hours http://www.ngrguardiannews.com/2015/12/online-shopping-surges-on-black-friday-konga-records-n1b-sales-in-48-hours/

Kiwis find Boxing Day sales easier online http://www.3news.co.nz/nznews/kiwis-find-boxing-day-sales-easier-online-2015122111#axzz3vfMmlAeT

Amazon reveals how Britain spends Christmas Day shopping online http://www.standard.co.uk/news/uk/amazon-reveals-hourbyhour-breakdown-of-how-britain-spends-christmas-day-shopping-online-a3141581.html

Shopping online at work? Don’t get caught Employees are increasingly shopping on work time, and increasingly, they’re getting fired for it http://www.cincinnati.com/story/money/2015/12/22/shopping-online-work-dont-get-caught/77706206/

Whitehorse retailers feel holiday pinch, blame online shopping http://www.cbc.ca/news/canada/north/whitehorse-retailers-holiday-pinch-online-shopping-1.3376893

High-volume online shopping is putting a strain on shipping firms and causing delays http://www.latimes.com/business/la-fi-holiday-shipping-20151222-story.html

Rise of Online Shopping Adds to Retailers’ Gift Return Headaches http://www.nbcnews.com/business/consumer/rise-online-shopping-adds-retailers-gift-return-headaches-n485576

Retargeting Killed Santa: How online shopping ads are ruining the holidays http://www.brainerddispatch.com/news/business/3911266-retargeting-killed-santa-how-online-shopping-ads-are-ruining-holidays

How online shopping ads are ruining the holidays http://www.inforum.com/business/3911262-how-online-shopping-ads-are-ruining-holidays

How to avoid online shopping headaches this Boxing Day http://globalnews.ca/news/2420136/how-to-avoid-online-shopping-headaches-this-boxing-day/

Surge In Online Holiday Shopping Puts Pressure On Retailers http://www.npr.org/2015/12/24/460959616/surge-in-online-holiday-shopping-puts-pressure-on-retailers

Christmas Day ‘to break online shopping record’ as spending soars to £728mhttp://www.independent.co.uk/news/business/news/christmas-day-breaks-online-shopping-record-as-spending-soars-to-728m-a6786211.html

BOXING DAY: Top tips on how to stay safe while shopping onlinehttp://www.oxfordtimes.co.uk/news/14168371.BOXING_DAY__Top_tips_on_how_to_stay_safe_while_shopping_online/

Online shopping big boon for Canada Post http://www.theguardian.pe.ca/News/Local/2015-12-26/article-4386516/Online-shopping-big-boon-for-Canada-Post/1

Canadian shoppers cash in on Boxing Day bargains, online and in stores http://www.cbc.ca/news/business/boxing-day-shopping-1.3380894

The unstoppable uptake of online shopping has left retailers scrambling to keep up, says British Retail Consortium boss HELEN DICKINSON Read more: http://www.thisismoney.co.uk/money/markets/article-3375610/The-unstoppable-uptake-online-shopping-left-retailers-scrambling-says-British-Retail-Consortium-boss-HELEN-DICKINSON.html#ixzz3vfIy0OdZ

More spend much of Christmas Day shopping online http://www.straitstimes.com/world/more-spend-much-of-christmas-day-shopping-online

Online Christmas sales shoppers set a new record before in-store frenzy beginshttp://www.theguardian.com/business/2015/dec/27/online-christmas-sales-shoppers-new-record-store-frenzy

Online sales peak in the middle of Downton Abbey as Britons start sales shopping on Christmas Day evening Read more:http://www.dailymail.co.uk/news/article-3375040/Online-sales-peak-middle-Downton-Abbey-Britons-start-sales-shopping-Christmas-Day-evening.html#ixzz3vfMvSwng

Q&A: How Klarna is making its mark in online shopping Read more: http://www.itproportal.com/2015/12/27/how-klarna-making-its-mark-online-shopping/#ixzz3vfgtD7MS

Auction watch: Start the new year by hitting a sale, shopping online Read more: http://triblive.com/business/realestate/9258452-74/disney-dargate-cels#ixzz3vfjt5cHb

Furniture shopping, online sales surged over holidays, MasterCard sayshttp://www.dispatch.com/content/stories/business/2015/12/28/1228-furniture-shopping-online-sales-surge-over-holidays.html

Holiday spending jumped 7.9% this year, fueled by savings on cheap gas http://www.usatoday.com/story/money/2015/12/28/holiday-shopping-christmas-sales-retail/77966764/

Holiday spending up 8%; online sales surge http://www.detroitnews.com/story/business/2015/12/28/holiday-shopping-spending-report/77968034/

Survey: Online shopping, lower gas prices helped holiday retail sales http://www.startribune.com/survey-online-shopping-lower-gas-prices-helped-holiday-retail-sales/363672031/

FedEx blames ‘unprecedented’ online shopping surge for Christmas gift delayshttp://www.theverge.com/2015/12/28/10678706/fedex-blames-unprecedented-online-shopping-surge-for-christmas-gift

Many unhappy returns: retailers brace for the flip side of online shopping http://business.financialpost.com/news/retail-marketing/many-unhappy-returns-retailers-brace-for-the-flip-side-of-online-shopping

Poll: Most shopping online, in Petaluma http://www.petaluma360.com/opinion/4962162-181/poll-most-shopping-online-in

Online Retailer Amazon Sees Big Boost in Holiday Shopping http://www.newsplex.com/home/headlines/Online-Retailer-Amazon-Sees-Big-Boost-in-Holiday-Shopping-363656591.html

Amazon holiday shipping, Christmas Eve deliveries set record http://www.thenewstribune.com/news/business/article51884380.html

Boxing Day sales will go online and won’t be on Boxing Day Read more: http://www.smh.com.au/business/retail/boxing-day-sales-will-go-online-and-wont-be-on-boxing-day-20151228-glvwi3.html#ixzz3vfJlUTbn

Crazy days for AHAlife website as shoppers head online http://www.theaustralian.com.au/business/companies/crazy-days-for-ahalife-website-as-shoppers-head-online/news-story/12b277300f900fc7db9990773762d734

More shoppers are trying subscription box sites

Consumers have a low tolerance for hard-to-use shopping sites

Online alternatives to crossing the border to shop. These Canadian websites can take some of the bite out of buying American goods with our low-value loonies.

How To Shop E-Commerce Sites Effectively

Apple Pay Coming to Mobile Websites Before Holiday Shopping Season

Help For Consumers Shopping The Confusing Online Mental Health Marketplace

A Marketer’s Guide to Understanding Ecommerce Shoppers in 2016

Chinese mobile consumers prefer shopping apps to mobile websites

Things You Must Remember Before Shopping Online

Who shops where and how? Depends on your age

Ordering Flowers Online: Do the Pictures Match What You Get?

Tech you can use to protect yourself when shopping online

Here’s How Online Stores Trick You in Paying More

This Week In Cr Card News: Virtual Cards Could Make Online Shopping Safer; Will Swipe Fees Drop?

Inside the Chamber column: Online bookings still changing the travel industry — what’s next?

How to avoid scams on your chip cr card

Are you a nosy neighbor or property porn addict?

Seller or buyer to blame for online fraud?

PayPal beware: You could soon ‘pay with Amazon’ anywhere on the web

Amazon promotes its payments service to other online retailers

Why museums need to up their eCommerce game Essential eCommerce takes a look at the opportunities and challenges facing museums looking to implement eCommerce websites while making the most out of digital.

PayPal warns Australian retailers to risk losing share of domestic online spendhttp://www.itwire.com/your-it-news/home-it/72174-paypal-warns-australian-retailers-risk-losing-share-of-domestic-online-spend.html

Cheap trumps local for young shoppers Millennial shoppers don’t see borders when shopping online, as long as shipping is cheap and they can buy on a smartphone they’re happy to shell out

Chip cr card security not complete. Most vendors not using chip readers

Residents took in ‘mystery shopper’ scam

Canada’s – roughly – 25 percent off sale

Growing Trend: Drunk Online Shopping

Social Media Giants going up to build “Online Shopping – Buffalo Daily Science

How Gender Affects Online Shopping Scams

These Retailer Scams Will Make You Never Want to Shop Online Again

Disappointed customers expose cheap clothing ‘scams’ by sharing online shopping nightmares  Online shoppers are taking a stand against ‘misleading’ website images by sharing photos of their disappointing purchases

Woman loses $1,825 to mystery shopping scam posing as BestMark, Inc.

Saanich resident bilked by online mystery shopper scamhttp://www.saanichnews.com/news/378720091.html

You could save hundreds by following these simple online shopping tricks

On your next virtual shopping trip, you can save some money by using these money saving tips.

17 times supermarkets tried to substitute online shopping items and got it very wronghttp://www.mirror.co.uk/money/17-times-supermarkets-tried-substitute-7932009

Privacy fears ‘deterring’ US web users from online shopping http://www.bbc.com/news/technology-36285651

As online shopping intensifies, outlook dims for mall stores

Learn about health insurance, scam awareness at Bayliss Public Library

What happens when online shoppers return too many items  Stories of being banned from Amazon populate the web. But Amazon isn’t the only retailer that bans customers who return too much

6.6 million Brits have fallen victim to online fraud in the last year

8 online shopping hacks everyone should know http://www.marketwatch.com/story/8-online-shopping-hacks-everyone-should-know-2016-05-18

Move over youngsters, elderly Chinese are now shopping onlinehttp://www.chinadaily.com.cn/business/2016-05/19/content_25364142.htm

Tyler man warns of fake check scam

Mobile phones used by 31% online shoppers to save time, effort: study Of the total number of consumers browsing for products, 79% preferred to buy on mobile devices compared to 9% on PCs/laptops and 12% in a physical storehttp://www.livemint.com/Consumer/PF3X0VuHn6IMxEpFZFFKeJ/Mobile-phones-used-by-31-online-shoppers-to-save-time-effo.html

Online shopping expands over 12 times in 5 years

The wages of shopping online Online shopping has given birth to a whole new breed of earners and learners http://www.thehindu.com/features/metroplus/online-shopping-and-its-breed-of-earners-and-learners/article8637022.ece

ONLINE CAR SCAMS LURING UNSUSPECTING BUYERS WITH ROCK-BOTTOM PRICEShttp://abc7.com/news/online-car-scams-luring-unsuspecting-buyers-w–rock-bottom-prices/1351899/

Defining Online Shopping’s Future https://nrf.com/news/defining-online-shoppings-future

EU to make online shopping easier with a ban on geo-blocking

Consumers Beware: New Scam Targets Apple iTunes Gift Cards  The Federal Trade Commission is warning people to avoid an increasingly common con.

First Reliance Bank offers 7 tips to avoid online fraudhttp://www.moultrienews.com/20160526/160529767/first-reliance-bank-offers-7-tips-to-avoid-online-fraud

Identity thieves, scammers target travelers

Online shopping still low in Costa Rica, study finds http://www.ticotimes.net/2016/05/30/online-shopping-costa-rica

The rise of the ‘serial returner’: Online shoppers are accused of pushing up prices as two thirds admit to sending back their unwanted clothes Surge of buyers are taking advantage of shops’ free returns policies Read more: http://www.dailymail.co.uk/femail/article-3616674/Online-shoppers-pushing-prices-sending-unwanted-garments.html#ixzz4Alj2aAMy

Shopping online? Be careful with third-party sellershttp://www.thehansindia.com/posts/index/Business/2016-05-30/Shopping-online-Be-careful-with-third-party-sellers/231449

Chinese men, not women, are the hedonists of online shopping, survey finds

Israelis top internet charts for online shopping but most of their purchases are from foreign sites, notably those based in the US and China, eBay Israel study revealshttp://www.timesofisrael.com/israelis-top-internet-charts-for-online-shopping/

Three in four shoppers expect to do most of their shopping online in a decadehttp://internetretailing.net/2016/05/three-four-shoppers-expect-shopping-online-decade/

Indians Don’t Run After Discounts When Shopping Online, Says This Surveyhttp://www.scoopwhoop.com/Indian-Online-Shoppers-Do-Not-Care-About-Discounts-But-Love-Value-Adds-says-Google-Consumer-Survey/

Canadians slow to adopt buying groceries online That’s about to change quickly, a retail conference has been told https://www.thestar.com/business/2016/06/01/canadians-slow-to-adopt-buying-groceries-online.html

Costa Rica Tops In Central America For Online Shopping 80% of consumers in Costa Rica say they prefer to see and touch the product in stores before buying http://qcostarica.com/costa-rica-tops-in-central-america-for-online-shopping/

Carer used disabled man’s bank account for shameless online shopping sprees Kayleigh Eaves befriended and betrayed Wavertree couple but was caught out after stuffing invoices down their sofahttp://www.liverpoolecho.co.uk/news/liverpool-news/carer-used-disabled-mans-bank-11415464

Keeping your costs down while shopping online http://www.dailyjournal.net/view/local_story/Keeping-your-costs-down-while-_1464743452

China is way ahead of the U.S. when it comes to shopping onlinehttps://news.fastcompany.com/china-is-way-ahead-of-the-us-when-it-comes-to-shopping-online-4009040

How to protect your privacy when shopping online Read more:http://www.itproportal.com/2016/05/31/how-to-protect-your-privacy-when-shopping-online/#ixzz4AlniBm81

Online shoppers are returning products in droves for this one reason One of the greatest hurdles to online shopping is that customers cannot actually see the product in person before they buy it.http://www.businessinsider.com/online-shoppers-are-returning-products-in-droves-for-this-one-reason-2016-6?IR=T&r=US&IR=T

Shoppers won’t stop even if they have to pay 5% extra on their online orders in UPhttp://timesofindia.indiatimes.com/city/varanasi/Shoppers-wont-stop-even-if-they-have-to-pay-5-extra-on-their-online-orders-in-UP/articleshow/52555385.cms

People power beats online shopping in regional Victorian town A Victorian town is using people power to turn around its struggling retail sector, as regional traders across Australia come to grips with the impact of online shopping. http://www.abc.net.au/news/2016-06-03/victorian-community-uses-people-power-to-beat-online-shopping/7474014

More Singaporeans turning to online shopping for better bargains http://www.todayonline.com/business/more-singaporeans-turning-online-shopping-better-bargains

INFOGRAPHIC: A look into the new wave of online shopping What’s next for e-commerce in the Philippines? http://www.rappler.com/brandrap/finance-and-industries/134852-ecommerce-industry-philippines

Better bargains lure Singapore consumers to online shopping: survey Six in ten buy online at least once a month. – See more at http://sbr.com.sg/retail/news/better-bargains-lure-singapore-consumers-online-shopping-survey#sthash.obN4UlsR.dpuf

Tompkins VIST Bank Offers 7 Tips to Help Avoid Online Fraud During Internet Safety Monthhttp://www.bctv.org/special_reports/safety/tompkins-vist-bank-offers-tips-to-help-avoid-online-fraud/article_ca134ef0-28d2-11e6-932e-9f94ba943b4d.html

Jane Bradley: The thrill of online retail therapy http://www.scotsman.com/news/opinion/jane-bradley-the-thrill-of-online-retail-therapy-1-4145786#ixzz4AljssoEn

iTunes gift card scams on the rise http://www.idahopress.com/business/better_business_bureau_-_dale_dixon/i-tunes-gift-card-scams-on-the-rise/article_74951780-139a-515c-9de3-b0402351e7ed.html

Cr card use, online shopping in UAE face growing cybersecurity risk Hackers have devised new ways to access consumers’ personal data, security experts warnhttp://gulfnews.com/business/sectors/banking/cr-card-use-online-shopping-in-uae-face-growing-cyber-security-risk-1.1840432

Use coupons while shopping online The number one destination for coupon hunting is mobile apps.http://zeenews.india.com/news/net-news/use-coupons-while-shopping-online_1891919.html

Are You Following These Safety Precautions While Shopping Online?http://www.huffingtonpost.in/topsgrup/safety-tips-for-online-sh_b_10164208.html

Half of Americans Fear Online Shopping Because of Privacy/Security Concerns http://cointelegraph.com/news/half-of-americans-fear-online-shopping-because-of-privacysecurity-concerns

SAFE FROM SCAMS: ONLINE SHOPPING SCAMMERS http://abc30.com/society/safe-from-scams-online-shopping-scammers/1398958/

Nearly six million fraud and cyber crimes last year, ONS says

Cybercrime: One in 10 people now a victim of fraud or online offenses, figures show http://www.telegraph.co.uk/news/2016/07/21/one-in-people-now-victims-of-cyber-crime/

Rio 2016 Olympic Games ticket scams UK consumer organization Which? points to a possible ticketing flim-flam.  https://www.choice.com.au/shopping/online-shopping/buying-online/articles/rio-2016-olympics-tickets-scams

Florida becomes cr card fraud capital of U.S. http://www.wtsp.com/news/local/florida-becomes-cr-card-fraud-capital-of-us/282902403

Why we’re sitting ducks for a new internet scam http://timesofindia.indiatimes.com/tech/tech-news/Why-were-sitting-ducks-for-a-new-internet-scam/articleshow/53491138.cms

Police investigating 55 people for online scams involving over $230,000 – See more at:http://news.asiaone.com/news/singapore/police-investigating-55-people-online-scams-involving-over-230000#sthash.meybIZKh.dpuf

Craigslist car scam leaves Roseville mother heartbroken Mother lost $4,000 to thiefhttp://www.clickondetroit.com/news/craigslist-car-scam-leaves-roseville-mother-heartbroken

Colonel Sanders was ahead of his time: A business owner’s face can reassure wary online shoppershttp://phys.org/news/2016-08-colonel-sanders-business-owner-reassure.html

Tech fans warned over drone scam Read more at http://www.banburyguardian.co.uk/news/local-news/tech-fans-warned-over-drone-scam-1-7505146

Don’t get cheated by online fraudsters: Here’s how to protect yourself Read more at: http://economictimes.indiatimes.com/articleshow/53462567.cms?utm_source=contentofinterest&utm_medium=text&utm_campaign=cppst

More young people are falling for scams http://www.wkbw.com/news/more-young-people-are-falling-for-scams

The Effect Of Cyber Crime On Online Shoppinghttp://www.forbes.com/sites/steveolenski/2016/08/03/the-effect-of-cyber-crime-on-online-shopping/#494657b6605d

Nearly Half Of Americans Report Being Victims Of Online Scams Or Fraud http://www.newsroomamerica.com/story/590044/nearly_half_of_americans_report_being_victims_of_online_scams_or_fraud.html

Digital convenience can carry some risks https://www.sundaypost.com/in10/money/digital-convenience-can-carry-risks/

10 of the Funniest Online Shopping Scams We’ve Ever Seen ​These are so ridiculous, you can’t help but laugh. http://www.womansday.com/life/a55394/funny-online-shopping-scams/

Putting a face to your business can reassure wary online buyershttps://ca.finance.yahoo.com/blogs/insight/putting-a-face-to-your-business-can-reassure-wary-online-buyers-201334743.html

I was won over… until the day my phone got stolen http://www.straitstimes.com/asia/east-asia/i-was-won-over-until-the-day-my-phone-got-stolen

Thanks, for Reading “ICFO Archive: Shopping Online 1 [Video]”

Dr. Don Yates Sr Ph.D., Founder

Dr. Don ICFO
Dr. Don ICFO

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