₦airaland Forum

Welcome, Guest: RegisterLoginWith GoogleTrendingRecentNew

Stats: 3,326,342 members, 8,426,133 topics. Date: Saturday, 13 June 2026 at 05:50 PM

Toggle theme

Frankraj's Posts

Nairaland ForumFrankraj's ProfileFrankraj's Posts

1 2 3 4 5 6 7 8 9 10 11 12 13 (of 13 pages)

RomanceMake sure you do this before you marry by Frankraj(op):
A marriage is supposed to be when you take a girl to a powerful Native doctor or powerful prophet for her to swear an aoth that she will never cheat on you, kill you or poison you .Any day she trys that or plans that she will run mad or die.this is what I call real marriage.

Is a scam to guys that you Will spend 3 million naira on a girl for wedding and traditional marriage and after that she will still be cheating on you and if you talk too much she may poison you or file for divorce and then run away with another man.enough is enough .if you are a wise man take my first option. let her swear first before you begin to commit your money on her in name of marriage.Nigerian girls have become more corrupt than politicians
RomanceRe: I Raped Her And She Deserved It. I Owe No One An Apology by Frankraj: 11:15pm On Oct 11, 2016
ted1741:
You are not just ignorant, you are stupid, retarded and simply sick. You just made the job of the prosecutor easy and I wish the girl could print this, take it to the police, it would be the simplest sexual assault case of the century to prove in a court of law. What an ape. If you wanted money for sex trade by barter relationship, why not go to a brothel, animal. I hope you contracted one of those stds or even hiv for a good lesson. To say you are disgusting is simply an understatement.
You are a complete lazy idiot. Must you depend on a man to give you money , Nigerian girls are all beggers, useless set of girls .don't you know how to learn hand work or do minail job to make money.runs girls every where .all you girls do is to ask men for money .hopeless things .I pity the man that will marry you girls
RomanceRe: I Raped Her And She Deserved It. I Owe No One An Apology by Frankraj: 11:12pm On Oct 11, 2016
ted1741:
You are not just ignorant, you are stupid, retarded and simply sick. You just made the job of the prosecutor easy and I wish the girl could print this, take it to the police, it would be the simplest sexual assault case of the century to prove in a court of law. What an ape. If you wanted money for sex trade by barter relationship, why not go to a brothel, animal. I hope you contracted one of those stds or even hiv for a good lesson. To say you are disgusting is simply an understatement.
You are veryyy stupid for saying this. Is the guy a mugu or Maga. I will advice the guy to print out all the transaction of money he sent to her incase she come up with any police issue .thart girl is a criminal and 419 .
RomanceRe: I Raped Her And She Deserved It. I Owe No One An Apology by Frankraj: 11:09pm On Oct 11, 2016
vani86:
Hello Laila,
Please keep me anonymous because of the nature of the message/experience that I want to share. I will go straight to the point. There is this useless girl that i met through a whatsapp chat group 2 months back and one thing led to another and we started dating. she lives around agric at ikorodu while i stay at isolo. I asked her out and she accepted. Between the time I met her and now, I have spent not less than 50k on her. she is so money conscious and kept demanding 5k and 10k from me always like I am father Christmas.

Because I love her, I was giving her. I have been inviting her to my place but she is always busy but luckily her aunty traveled for wedding last weekend and she came to my house yesterday to spend some time. she said that she needs 5k for her transport before she would come so i used ATM to transfer 3k and begged her to come that i will balance her before she go.

Can you imagine that this girl came to my house and started acting up after leading me on and massaging my dick into erection. we were romancing and she didn't stop me, she gave me breast and allowed me to finger her. when my erection was good enough after romancing her and even sucking her, she refused that we cant have sex, that it is too early. i was dumbfounded. i thought she was joking so i was petting her and telling her sweet words but she just fling my hand away from her and started dressing up. I begged and begged her because my erection was already hard but she refuse. I spent close to 3 hours begging, she refuse and say she want to go that i should give her 2k.

That was when I saw that she was taking me for a fool. i never knew that she was that wicked and heartless. i asked her why she let me suck her and why she was massaging my dick since she is not ready to sleep with me. she say it is too early and that she is not ready that i should control my penis. I was really angry and i felt used so i slapped her and did it by force. I still gave her the 2k and threw her out of my house. she has been sending me curses and such curses are empty and her threats useless because even God knows that what she did was wicked. he threat messages since yesterday night is up to 25 but i dont care. I honestly dont feel bad one bit because she is very stupid and wicked to think that a full fledged healthy grown man with blood running through his veins is a joke for her to toy and play with.

I want to use this opportunity to warn girls who have no intention of being with a guy yet, you ask him for money and spend it anyhow like he is your father, you dont have any interest in going down with a guy but you are comfortable enough to hold his dick and give him breast to suck. then when its time for action, you come up with silly stories. any sexual act from that point on is not rape. it is simply violent sex and you definitely deserve anything you get from that point. many guys including many of my friends has suffered this in the hands of girls who take guys for fools. this is my experience yesterday and i dnt owe anybody an apology.
My brother you did very well I give 100% mark .but next time dont send any girl money from far.always use the tactics of 3k and when u come I ballance 2k and make sure you fukkk her tire before she go.you are not her father neither are you father Christmas I support you full time
RomanceRe: Edo Girl In Italy by Frankraj: 9:49pm On Oct 11, 2016
Cutehector:

https://www.youtube.com/watch?v=lnysKdP0_2Q



Check dis gurl out guys...



https://talk2bella.com
I am so happy that this message is coming from a nigerian girl . So when I write bad about girls it's the truth
RomanceRe: To A Girl, Which Is More Important, Getting Married Or Getting A Job? by Frankraj: 9:38pm On Oct 11, 2016
marvelck:
I guess its getting married. Cos of the importance almost every girl attach to it. Just like someone I know, who was seriously looking for a job after her graduation and youth service. But immediately one of her suitors proposed and she accepted, she instantly stopped looking for a job, and started planning for her wedding at once. That got me thinking. Which is more important to a girl, getting married or getting a job? Guess some of them usually feel once they get married to a rich dude, they wont need to work anymore. Since every of her needs will surely be met by her rich husband...so, why look for a job then?
Very wrong of girls and this is why many girls don't get married at all.anybody that tell you girls that your rich husband or boyfriend will do everything for you is deceiving you .learn handwork or business in other to support yourself .no man wants a lazy girl
RomanceRe: Love Is Scam! by Frankraj: 9:22pm On Oct 11, 2016
DeeTus:
This girl used to be a good girl oh. I really cannot fathom what happened. She's been begging me to talk to my friend

She knew her boyfriend and I are very close and are real good friends too.
Don't trust any Nigeria girl they are cheaters . Chase money and go to other african country and marry a good woman that will love you unconditionally. Nigerian girls are more corrupt than politicians
RomanceRe: Love Is Scam! by Frankraj: 9:19pm On Oct 11, 2016
oh please!!!

your friend and you probably!!!! are both hungry, misguided small boys that don't have anything meaningful to do with their life!!

leave women till you can provide for them! enough with all this unwarranted slander on women generally!

if you were providing for her!!! will she cheat? #garbage
You are verrry stupiddd for saying if you provide for a woman she will not cheat . Listen Mr I have seen a man that built a house for a woman, buy her new car and do birthday with 3 million for her and yet she is cheating on him . So don't say what you don't know
RomanceRe: Why Do Boiz Think Beating A Gal Is The Antidote To Handling Themn So Sad by Frankraj: 11:08am On Oct 11, 2016
jonaifame22:
My friend is in a relationship with a gal, even the blind knows that this gal is very beautiful, sometimes I beleive she's the finest gal he's eva dated.

My guy is handsome buh the problem I have wth him is that he beats the gir at the slightest provocation and they quarrel too often, some weeks back I and my friend and he's gal went out to a new joint in the area, they're offering food at cheap price cos they jus opened, then we went there and I had 4k on me and he's gal had like 1k, so we ate some good nkwobi and drinks and then a guy came to our table and appreciated my guy's gal and he offered to pay for any thing she takes, my guy was already fuming wth rage and he didn't even have money on him yet he had the guts to get angry that a guy offered to pay for his gals food and drink, then I noticed he stopped talkn to her and if he should answer he'll raise he's voice.

So when it was time to leave he was walkn in front and not 2geda wth her and she was not happy and she asked him why he's actn that way and wat's wrong wth him, jus for dat simple question she asked she was greeted wth a hot slap, chai I was ashamed to walk wth him, the gal jus bent down and started crying, I was moved to tears buh I controlled myself and raised her up to her feet and quickly bought eva water for her to wash her face,she jus cd not stop crying dat I didn't even know when water was coming out of my eyes,so I qickly excused my self and went to ease myself before she'll notice the tears in my eyes so that I being the comforter will not end up being the comforted

Now he beat her 2days ago and she came to me yesterday and she was wth me at my shop till night, she wanna break frm his life like michael scofield did from fox river prison and she came to tell me jus how she plans to do it, I like the gal and it's not because I wan 2 fvck her,it's jus that she has a very soft body jus the type I use to like and i knew cos of the times she has hugged me before as per her guys friend and I've begged her before to be giving me a full frontal hug as against the side of her body hug she use to give me and she has been complying and cos of dat when she asks favor of me I always grant it.


pls girl beaters pls that energy u used in beatn that gal cld be utilised to make her reach orgasm in bed,jus look at the female body which part of their body screams pls beat me, pls beat me,pls beat me ehn? Jus look at the breast so soft. It's meant for pressing and suckn, lookn at the yansh for example, so soft and the way it shakes like the vibration of nokia 3310, or is it the pvssy which is the king of all them


Pls say no woman beating, say yes to making them climax and they'll respect you for life like george foreman respects mohammed ali
Is the guy that brought the problem upon himself for dating such a beautiful girl like you claim and the girl is very very stupiddd and uselessss for allowing the so called guy to seat In the same tabel with her and disuss to the extent of offering to pay her bills.if is me I can even end my relationship with that foolishhh cheap girl because of that alone
RomanceRe: Guys In The House.... Was I Too Hard On This Babe?? by Frankraj:
Samyj247:
IMO IMO IMO IMOOOO GIRLSSS u see am. thank God for making me to avoid making the biggest mistake of my life. I notice her bad character b4 hand nd left silently. they are pretty no doubt but marriage entails more than ur pretty face. Op don't ever regret ur action... as far as u did this to an IMO girl u are on track. just go nd make thanks given cus u would have shared a part 2 wahala story with that babe after marriage. she will cheat nd may probably cut ur dick with a knife. grin
Not just imo girls . Any girl that schools in owerri, lives in owerri, works in owerri are all runs girls / prostitutes . Forget them .most of these girls are not even from imo state where as some are from imo state.Ashawo is the only job girls do in owerri
RomanceRe: My People From South East, please What Is Meaning Of BUHARI in Igbo language.. by Frankraj: 10:46am On Oct 11, 2016
Buhari in igbo language means changing things from one position to another
RomanceRe: What Can I Do, My Wife Naked Herself And Curse Me In The Middle Of The Night by Frankraj: 4:46am On Oct 11, 2016
jimoqua:
Fellow nairalander, i want your contribution concerning this topic, the wife i married naked herself at the middle of the night and curse me just because i caution her on the type of friends she mingle with.
You made a mistake of marrying a Nigerian woman , other african women will never do such a thing
RomanceRe: Pls,lets Be Sincere,,,,its True That No Imo Lady Is Good For Marriage? by Frankraj: 4:37am On Oct 11, 2016
Ejimaa:
be sincere with ur answer please
The truth is that any girl you know that school in owerri , live in owerri or work in owerri imo state is not good for marriage . All of them are prostitutess directly or indirect prostituteSS that's what they are .weather she is from imo state or not as long she lives in owerri imo state she is a prostituteSS / runs girl.don't ever make mistake of marrying her
RomanceRe: Kindly Help Cos Am Confused About Dis by Frankraj: 8:18pm On Oct 10, 2016
habby51:
Rate at which our gals are now turning to runs babes/olosho is full of concern.
To find life partner now is full of concern.
Image a gal u saw in the day looking gud and decent, now turn to olosho @9it.
How can them be differential now when see in the day?


Need ur advice plsssss, cos I need 2 settle down now before the whole babes 4 9ja turn to olosho.
I thought I'm the only one seeing that almost all Nigerian girls are now prostitutess . I will never marry a ngieria girl if I do that I will be in regret they are so corrupt and so materialistic. When money no go dey dem go run away
RomanceRe: 3 Signs Ure Dating A Weak Gal Dat Can Easily Cheat On U... by Frankraj: 4:02pm On Oct 10, 2016
Ifakiland:
1) she always allow u have sex with her, even when its obvious she doesn't want to.
A gal will dat will also visit her male friends and fall under pressure.
A gf dat denies u sex once in a while not minding if u bring d sky down...is a strong and most likely a faithful gf.
2) she's selfish and materialistic.
A weak easy to swerve cheat of a gf will be concerned only abt stuffs u can buy for her, money u can give her. The last tin she wanna hear frm u is "am broke", she love hearing stuffs like "babe let's go to d cinema", "let's go for shopping"...a gf like dat will easily be swerved by any rich looking guy.
But a caring, strong gf isn't moved by materialism, she loves hearing stuffs like "babe I just bout a land", "baby I kept some money inside ur bag, I dint tell u cos I know u won't wanna collect it" etc....if ur gf is like dis...u got a keeper.
3) an overly obedient, dependent slowpoke of a gf....if ur gf is a "yes sir" kinda gal, she agrees with all u say and do all u say, has low self esteem, etc....am sure with a gf like dis ure feeling like a man rite? Wrong...ur gf is gonna be made to cheat on u soonest....cos one day she will always meet a confident guy dat will shaken her core and av sex with her before she even knows wats happening.
But a stubborn, independent, strongwilled gf is way harder to intimidate, she will always stand her ground and put u or anyone in Deir place....a gf like dis will most likely be faithful.
Only number 2 is true
RomanceRe: What you don't know about sex by Frankraj(op): 11:45pm On Oct 09, 2016
Topestbilly:
I thought twas money that made u opt for smelling punna gals ,but since money is not your problem I think class is, try upgrade it wink
Na ashawo you dey fuckkk, out of 10 normal homely girls in Nigeria is only 2 that has clean pussy .but out of 10 runs girls all have clean pussy.listen to me and you will learn
RomanceRe: What you don't know about sex by Frankraj(op): 11:40pm On Oct 09, 2016
bbmpin:
Make me! undecided

Confused "internet privileged" clown, perverted heart-sickening blight upon society!

A Naive acidly acrimonious lamentable mistake by your parent's reckless exchange of genetic material! sad

Got a debate to watch! Goodnight crap-brain #pumpkin brain
Useless fool . If you have brain you would have get out and get lost from my page and stop comenting on my page . I would have blocked you off since if I can see option for that on NL
(Modify) (Quote) (Report) (Share)
RomanceRe: What you don't know about sex by Frankraj(op): 11:39pm On Oct 09, 2016
mrmrmister:
He's not talking shiiiittt
He's telling you the truth

Girls with class do not have smelly pussssyyy
You need to step up your game
You both bleeps runs girls / ashawo club girls .they are the type of girls that usually have clean pussy because of the nature of there job .so don't tell me what I know more than you . Go and fuckkk a normal girl either working class or business lady then you will find out what I talked about concerning that particular paragraph
Hahaha my man two if una funny well well .una dey Bleep ashawo girls come here dey say girls clean. Go Bleep normal girl na there go understand wetin I dey talk
RomanceRe: What you don't know about sex by Frankraj(op): 11:36pm On Oct 09, 2016
Useless fool . If you have brain you would have get out and get lost from my page and stop comenting on my page . I would have blocked you off since if I can see option for that on NL
RomanceRe: What you don't know about sex by Frankraj(op): 11:32pm On Oct 09, 2016
Topestbilly:
"the day you will Bleep her you will see that her pusssy smells so bad like a decayed fish and the odour of your room will change.and you will begin to feel irretetated"

The class of gals you move around with gave you dis impression.

I'll advise you to work hard, make money and see how clean gals with air-freshener punna will locate you.

On your heartbreak, just giveit time it will heal up
Don't talk shitt you don't make money more than me
RomanceRe: What you don't know about sex by Frankraj(op): 11:29pm On Oct 09, 2016
fadahero:
undecidedcame here hoping to read how ur babe/wife has denied u sex for a couple of months.... I'm not impressed. undecidedcame here hoping to read how ur babe/wife has denied u sex for a couple of months.... I'm not impressed. cry
Hahahahah don't be sad I used the topic so people can read it fast and know what's happening in Nigeria and what our girls has turned into.ashawo is now a job in our court and yet they complain no husband .tell me who wanna marry olosho
RomanceRe: What you don't know about sex by Frankraj(op): 11:26pm On Oct 09, 2016
jopretty:
I'm sure your sister(s) is/are reading this and I also know that this same thinking of yours concerning ladies includes them.
Hahahahahah I can see them ashawo they coming out one by one identifyin themselves
RomanceRe: What you don't know about sex by Frankraj(op):
bbmpin:
i see! undecided

carefully arranged poo!

childish nonsense from a matured misguided clown!

disgusting small-minded object of execration! # fish tank brain
Fool I have warned you several times to stop commenting on my post . Are you silly or stupid huh Stop commenting on any post by me Frankraj
You are a complete idiot and a woman rapperr I don't make friends with weaklings like you.let this be my last warning to you you bastardddd .I hate you . Don't ever comment on my post anymore I'm sure everyone reading this post will bear me witness. I have warned you
RomanceRe: What you don't know about sex by Frankraj(op): 11:03pm On Oct 09, 2016
chelseabmw:
Lol
I'm sure you know what i mean , is what I said true or false ?
RomanceWhat you don't know about sex by Frankraj(op):
Have you ever think twice after fucking a girl.

First she enjoy the sex more than you and after that you pay her money

You spend 2 months or more begging a fine girls to be your boo and the day you will Bleep her you will see that her pusssy smells so bad like a decayed fish and the odour of your room will change.and you will begin to feel irretetated

The only thing girls care about is your money and not love.they may claim they love you .just stay one month without giving them money . then her true colour will come out .men pls don't be deceived

Have you noticed the high rate of single matured girls nowadays ?

Now if you are girl reading this , if I check your phone let see how many male friends you have on facebook,instagram,badoo and phone contact.im sure if I calculate all the men I will see in your contact they will be morethan 2000. Is this the kind of girls men will marry ?

Every week you give more than 50 different men your phone number , na this kind girl u want men to marry ?

You as a girl fuckss with more than 30 different me in a month and yet you say no husband when you have already destroyed yourself .


When you are 21yrs men will com for your hands in marriage you will refuse saying you wanna go to school forgetting that when u graduate you must have turned 29 or 30yrs and then no man will want to marry you anymore


Any girl that tell you she wants to go to school.listen she is not going to any school she is going there to fuckkk as much as can . Is only a foolish man dat will allow his fiancé to be in school while he lives in a different city.na young Bobo and lectures dey finish her pusssy and u are they paying the her bills and fees at the end you will collect charf .if you doubt me go to any nearby uni and see what girls have turned it

Talking about runs/ ashawo is now the school girls goes to. They don't read anymore .if they can speak small English they remaining four years in school Wil be full of ashawo work dats what they do in school.if u doubt me go and see for yourself


As long as girls continue to see men as ATM machine and girls continue to see runs / ashawo as a job in this country. The high rate of single ladies will keep increasing every year in Nigeria.
RomanceRe: Help My Babe Wants Us To Have 3some by Frankraj: 10:28pm On Oct 09, 2016
I don't know why many guys are so stupid and soft to girls .what kid of silly discussion would be having with your girl to warrant her tell you this kind of shitt.if it's me I will tell her to park and live my house immediately
RomanceRe: Why You Shouldn't Date Or Marry A Poor Girl by Frankraj: 7:07pm On Oct 08, 2016
BiafraBushBoy:
The world and the idea behind dating has changed. Both in Nigeria and the world at large, dating is seen as a business venture whereby every partner is keen to benefit from it.

When you ask a broke Nigerian girl what she offers in a relationship,

"I pray for him,

Sex,

Advise,

etc"

Who all these ones epp?


The truth is the moment you roll with a girl with class, that is either your level financially or even above you, your mentality changes for good and things will fall in place

Class doesn't mean beauty or the type of expensive clothes she wears. It means net cash assets in the Bank.

Some girls can't even borrow their boyfriends a Hundred Thousand Naira. But when it comes to advice, they can sit you down and start blabbing all in the name of ideas and advice.

So for your own good, I feel that after the hustling and you are making it, don't date because you fell in love. Date because you see it as a business venture... and when things don't work out, at least you lost nothing.

Research shows that Broke ass girls are more liable to break-up with you when they feel they have eaten enough of your money

That is why Anichebe Loves Dj Cuppy and not the Beautiful girl that lives at Mushin in Lagos state.

A word is enough for the wise.

Written by BiafraBushboy cool wink
You are talking rubbishh, that girl with big money in her bank account do you know how she made such money , do you know how many occultic politicians that has slept with her or do you know how many native doctors she has visited .listen Mr man don't be silly . Date a girl that loyal and respectfull to you and most importantly a girl that can't cheat on you even In your absence
RomanceRe: Most Girls Cause Their Relationship To Fail Becos Of Stubornness by Frankraj: 7:16pm On Oct 07, 2016
remedick:
I am a guy and I must you are wickedly looking for slave.

I do not need a woman to come wash and cook for me.

Neither will sex keep me.

I need a woman who has an independent mind, one who supplements my efforts. Can you support my ideas? Can you encourage me and say baby, you can do it. Etc.
@jake2much my brother you are right and very correct .no sensible man would like to keep a lazy girl
RomanceHow to make him love you for real by Frankraj(op):
If you really want to get married .

1, stopping asking men for money.remove that stupid orientation that your mother gave you by saying that a man is supposed to be giving you money and take care of you .hmmm are you baby ? .listen to me for your own good, is not a must that men must give you money that's why many of you girls are still single because you keep asking us for money

2, stop using expensive phones,we know legitimately that you can't afford to buy those phones you are using.so definitely is either you are sleeping around to make money to buy the phone or you are a runs girl

3, stop fixing costly weavon,when a man looks at you the first thing that comes to his mind is can I maintain this girl ? Hmmm with all this things she is wearing .omo this one go finish my money ooh and he will run

4, don't look too sharp because we know sharp girls are usually runs girls

5, any man you keep asking for money will never value and respect you

6, respect men and always be loyal

7, show you really care about him

8, don't always allow him to be the only one spending money.a times spend money on him no matter how little it is

9, don't answer phone calls in his presence and don't ever chat with your phone in his pressence.

10, don't starve him sexxx, give him too much sex anyhow he wants it and make sure you are clean and don't smell down there ,because some girls have offensive odour whenever having sexxx and many of this girls don't know and this can make a guy after fffucking you he will run but he won't tell you his reason for running away from you .

11,cook for him and clean his house if he permit .if you follow this rules and always abide by it. believe me wetin 10 months from now you will get married .
RomanceRe: Why Are Many Nigerian Men Refusing To Get Married? by Frankraj: 3:05am On Oct 07, 2016
Onyiridike:
Before now I've always blamed this on the economy. I thought many young men who are graduates are yet to secure a well-paying job and those who are into business are not doing well.

However, I know up to 4 men in my neighborhood who are between 34-38 years and are financially stable but they are yet to marry.

According to them, getting a marriageable young lady in Nigeria is more difficult than getting a federal government job.

In my church, I have witnessed ONLY 2 weddings in 3 years and there are a lot of financially stable young men in their 30's.

What is wrong with our young men?

How come they can date our girls, sleep with them and cannot marry them?

I think our girls should stop sleeping with men who are not their legally married husband. You have given them everything. Why would they want to marry again. You sleep with them, cook for them, wash their clothes, tidy their house and you are not married to them. It does not make sense to me.
Do you think men are stupiddd ? A man can take you to hotel or club buy drinks worth 50k and Bleep you and buy you lastest phones and other expensive gift but he will never marry you . do you know why ? No man will like to keep a materialistic girl or marry her because he knows a wife material will never want his man to be spending too much money . And Nigerian girls are cheaters because of there love for money they can fuckkk any man willing to give them money .I hope I have answered your question
RomanceRe: My Girlfriend Don't Know How To Apologize! Please What Can I Do ? by Frankraj: 2:55am On Oct 07, 2016
hoodmenconcept:
Thank you for your point. I have been trying to tolerate her for a while but she is not ready to change. I love her but its getting out of hand.
You are the cause to even try to tolerate her , the hand you give a girl from the bigining is the hand she will use to follow you.don't be suprice that your girl will kneing on her knees begging another guy for forgiveness. Listen just quit her immediately because she will never respect you or any member of your family.cause you made the mistake from the beginning for been soft and gentle with her . Men should always be strick to girls and show them you are a no nonsense man that water they will respect or they get out to look for men they can control

1 2 3 4 5 6 7 8 9 10 11 12 13 (of 13 pages)