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STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? - Business (3) - Nairaland

Nairaland Forum › Nairaland General › Business › STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? (11839 Views)

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Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by Kukutenla:
FreeStuffsNG:
Now I can rest @ the bolded. Btw, FG took over University of Ife, not OAU sir.
Thank you for the time and insults. Do have a great day sir. O ji shaaro.
What's the difference between OAU and Uniife? What kind of fuckery is this? undecided

Oh. You think those schools were taken over because education was moved to "exclusive list"?
Lol.
I guess sports and media was also moved to exclusive list then. Lol
Exclusive list in a military junta. Lol
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by 00FFT00(m): 11:04am On Jun 13, 2023
...
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by 00FFT00(m): 11:12am On Jun 13, 2023
Student loan my left yansh.

Tinubu is dishonestly trying to split the student body. The same group he knows will lead the charge against him when shit hits the fan. This unrepentant thief will stop at nothing to grift on the endowment of generations to come.

What's to note is that this so-called students loan is skewed towards the privileged as is the usual practice, and as if they already do not have enough already, therefore designed to be untenable to the majority of the people for whom it is allegedly intended.

How many ordinary Nigeria households are related or acquainted to level 12 civil servants, who must also be willing to guarantee a loan for them?

Make Tinubu go and take several seats.
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by berbs: 11:14am On Jun 13, 2023
ybalogs:
If implemented well , I think it's a step in the right direction , it's done abroad and it has helped a lot to access quality education.
Nope. Check the terms and conditions.
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by AntiChristian: 11:25am On Jun 13, 2023
Kukutenla:
You're full of crap. SLS was MD of first bank. Maybe he's not a good Muslim. Millions of Muslims borrow monies from commercial banks and pay interests.
I'm not surprised sha. Nothing smart can come out of such a cursed moniker
SLS is not the Qur'an and Sunnah we derive our laws from!
Many Pastors and Cleric prophecied that Tinubu would lose and Peter Obi will win the election!

So are those pastors devils for telling lies like these? Did Holy spirit fail in its predictions?
Islamic Banks like Lotus, Jaiz and Taj are operation without interest!

Let FG continue without interest!
You are the one wey no get correct grey matter for head!

Sometimes interest were forbidden in your Bible too!
If you lend money to one of My people among you who is poor, you must not act as a creditor to him; you are not to charge him interest
Exodus 22:25

Do not take any interest or profit from him, but fear your God, that your countryman may live among you. Leviticus 25:36

Do not charge your brother interest on money, food, or any other type of loan. Deuteronomy 23:19
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by Ballo1292(m): 11:28am On Jun 13, 2023
dondodo:
Obi is coming
To Anambra State.

We shall all welcome him back home.
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by Kukutenla: 11:49am On Jun 13, 2023
AntiChristian:
SLS is not the Qur'an and Sunnah we derive our laws from!
Many Pastors and Cleric prophecied that Tinubu would lose and Peter Obi will win the election!

So are those pastors devils for telling lies like these? Did Holy spirit fail in its predictions?
Islamic Banks like Lotus, Jaiz and Taj are operation without interest!

Let FG continue without interest!
You are the one wey no get correct grey matter for head!

Sometimes interest were forbidden in your Bible too!
If you lend money to one of My people among you who is poor, you must not act as a creditor to him; you are not to charge him interest
Exodus 22:25

Do not take any interest or profit from him, but fear your God, that your countryman may live among you. Leviticus 25:36

Do not charge your brother interest on money, food, or any other type of loan. Deuteronomy 23:19
Stop being unintelligent and daft. What does interest on banking or loans have to do with Pastors and their prophecies?

Go and collect your loan from Islamic bank then or are you forced to go to commercial banks?

I never knew banks told you they are following the bible. You hypocrite. You're looking to impose Islamic laws on a govt agency when the govt is not Islamic. Just imagine the nonsense!!
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by AntiChristian: 11:58am On Jun 13, 2023
Kukutenla:
Stop being unintelligent and daft. What does interest on banking or loans have to do with Pastors and their prophecies?
You mentioned SLS working in First bank which is of course not only asinine but also idiotic!
SLS does not determine what Muslims do just like those falsehood Prophesying pastors does not represent all Christians!

Go and collect your loan from Islamic bank then or are you forced to go to commercial banks?

I never knew banks told you they are following the bible. You hypocrite. You're looking to impose Islamic laws on a govt agency when the govt is not Islamic. Just imagine the nonsense!!
Interest filled loans are meant for Christians who don't mind that law. Interest free loans are for Muslims.
And na your Christian brothers dey patronise Islamic banking more!

Na your head dey spill nonsense numbskul!

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Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by Sermwell(m): 12:40pm On Jun 13, 2023
lolu2019:
Look at the way Private school owners are lamenting.Tinubu don spoil market.
Which private university is lamenting?? You're really gullible to think this nonsense will work! They are just giving you false hope grin
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by Sermwell(m): 12:42pm On Jun 13, 2023
SmartyPants:
Instead of asking questions to no one, why not pick up the Act and read?

The Bank will always be funded by revenue from various federal income streams which are stipulated in the Act.

Regardless of repayment - the bank will always recieve money from the fg.
grin grin cheesy cheesy
Una too dey fall for nonsense walai! grin
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by Sermwell(m): 12:45pm On Jun 13, 2023
Goalnaldo:
Since 9pm yesterday PHCN has not interupted power. looks like Tinubu's government will favour us
So Tinubu was responsible for that?? cheesy grin cheesy

Mumu plenty for this country I swear grin
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by Sermwell(m): 12:49pm On Jun 13, 2023
FreeStuffsNG:
Now I can rest @ the bolded. Btw, FG took over University of Ife, Ile Ife and not Obafemi Awolowo University (OAU), Ile Ife sir.smh
Thank you for the time and insults. Do have a great day sir. O ji shaaro.
You're just disgracing yourself on a public forum! What's bthe difference between Uni ife and OAU? cheesy grin Thank God I have never taken you seriously on this forum! grin
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by Kukutenla: 12:52pm On Jun 13, 2023
AntiChristian:
You mentioned SLS working in First bank which is of course not only asinine but also idiotic!
SLS does not determine what Muslims do just like those falsehood Prophesying pastors does not represent all Christians!

Interest filled loans are meant for Christians who don't mind that law. Interest free loans are for Muslims.
And na your Christian brothers dey patronise Islamic banking more!

Na your head dey spill nonsense
You're sounding more and more daft and unintelligent at a geometric rate. I mentioned SLS AND millions of Muslims who use commercial banks. If not because of irredeemable stupidity attached to your brain, is SLS the only Muslim who has ever headed a commercial Bank? Instead, your halfwitty self mentioned 3 banks then delved into prophecies. Is Mohammed not a fake prophet? Who has because of that said Muslims should not follow him?

I guess you're the encyclopedia of Islam to decide what is right and wrong for billions of Muslims worldwide who use commercial banks including Arabs who gave you the religion. You're just a bumbling buffoon.
Maybe you should approach the central bank to close all accounts of Muslims in commercial bank since you're the judge of Muslims. I'm sure you own or have used a commercial bank before. Hypocritical nincompoop.

P.s. Sorry I had to erase your names. They bear no relevance to the schooling I'm giving you.
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by WAPINATION: 12:52pm On Jun 13, 2023
ybalogs:
If implemented well , I think it's a step in the right direction , it's done abroad and it has helped a lot to access quality education.
All this laws and policies has not moved me I am waiting for implementation until then I cant say we are on good hands yet
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by lolu2019: 1:01pm On Jun 13, 2023
Sermwell:
Which private university is lamenting?? You're really gullible to think this nonsense will work! They are just giving you false hope grin
enemy of progress.maybe u should throw dis question to the upcoming undergraduates in ur area and see their reactions.even the once that are doing yahoo.
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by ayo2008: 1:08pm On Jun 13, 2023
FreeStuffsNG:
President Bola Ahmed Tinubu has led the way but....
Gracias to the great mynd44, nlfpmod too for your great work for Nigerian students.
Led the way?
What are the modalities to enjoy this loan.
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by SmartyPants(m): 1:16pm On Jun 13, 2023
Sermwell:
grin grin cheesy cheesy
Una too dey fall for nonsense walai! grin
No problems. The one that supposedly falls for nonsense and the one that spends all his time scoffing at everything, who is better off?
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by AntiChristian: 1:34pm On Jun 13, 2023
Kukutenla:
You're sounding more and more daft and unintelligent at a geometric rate. I mentioned SLS AND millions of Muslims who use commercial banks. If not because of irredeemable stupidity attached to your brain, is SLS the only Muslim who has ever headed a commercial Bank? Instead, your halfwitty self mentioned 3 banks then delved into prophecies. Is Mohammed not a fake prophet? Who has because of that said Muslims should not follow him?
Abeg Shut up! Person wey no get grey matter dey abuse another! All Muslims whether millions or trillions working in interest based bank doesn't matter. What really matters is whether the texts of Islam supports them working there!

And it doesn't!
Since many MOGs predicted the election wrongly then can we say all Christians are liars?

I guess you're the encyclopedia of Islam to decide what is right and wrong for billions of Muslims worldwide who use commercial banks including Arabs who gave you the religion. You're just a bumbling buffoon.
Maybe you should approach the central bank to close all accounts of Muslims in commercial bank since you're the judge of Muslims. I'm sure you own or have used a commercial bank before. Hypocritical nincompoop.

P.s. Sorry I had to erase your names. They bear no relevance to the schooling I'm giving you.
You are not intelligent at all. Of course I'm not an encyclopedia of Islam. I never talked about Muslims using commercial banks but working in them which you mentioned SLS.
What I said once again is that Interest is Haram in Islam.
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by vicath(f): 1:46pm On Jun 13, 2023
It’s a good plan on paper but implementation is the main thing, so that people won’t start to use this scheme to also cash out.

Meanwhile, you can message me if you are looking to start earning in dollars weekly using your smartphone.
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by Kukutenla: 2:07pm On Jun 13, 2023
AntiChristian:
Abeg Shut up! Person wey no get grey matter dey abuse another! All Muslims whether millions or trillions working in interest based bank doesn't matter. What really matters is whether the texts of Islam supports them working there!

And it doesn't!
Since many MOGs predicted the election wrongly then can we say all Christians are liars?




You are not intelligent at all. Of course I'm not an encyclopedia of Islam. I never talked about Muslims using commercial banks but working in them which you mentioned SLS.
What I said once again is that Interest is Haram in Islam.
Look at this i-slowpoke. So, millions of Muslims are wrong, it is only you with your dirty smelling mouth that knows the right thing. You need to stop typing because your stupidity is becoming amusing.
Does the text of Islam support living in a secular state for a Muslim? Does it support obeying laws that are not sharia? Yet you hypocrite do all these because it is convenient for you. Ordinary student loan, your bigoted self wants to bring your wretched religion into it. Just to show how retarded you are in thinking.
Many MOGs predicted Tinubu will win too. Maybe you can on the basis of that call those ones true pastors, then one wonders why you don't start attending their churches.
And your low iq brain still fails to understand SLS is just an example of millions of Muslims who work, and obtain benefits from commercial banks.
Who asked you whether interest is haram in Islam? Who cares? Has any Muslim being forced to collect loans? Federal mortgage loans, agricultural loans, microfinanace loans all come with interests and Muslims access them.
Only a bumbling idiot will bring Islam into purely governance matters. Nigeria is not an Islamic state!!
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by Sermwell(m): 2:15pm On Jun 13, 2023
SmartyPants:
No problems. The one that supposedly falls for nonsense and the one that spends all his time scoffing at everything, who is better off?
Which area? cheesy cheesy


I'm faraway from that shithole grin
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by DOM7: 2:29pm On Jun 13, 2023
When I read your expectations no one and see "with the integrity of Buhari" i just hate the remaining things you want to say.
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by AntiChristian: 5:14pm On Jun 13, 2023
Kukutenla:
Look at this i-slowpoke. So, millions of Muslims are wrong, it is only you with your dirty smelling mouth that knows the right thing. You need to stop typing because your stupidity is becoming amusing.
Does the text of Islam support living in a secular state for a Muslim? Does it support obeying laws that are not sharia? Yet you hypocrite do all these because it is convenient for you. Ordinary student loan, your bigoted self wants to bring your wretched religion into it. Just to show how retarded you are in thinking.
Yes, millions of Muslims can be wrong if you have the headcount that they are millions! The text of Islam support things depending on the context and settings! Even pork can be eaten in adverse famine conditions.
It seems you're really frustrated. There's no interest attached to the FG student loan and the person i was refering to earlier before you but in with your bigotry and senselessness understands!

Many MOGs predicted Tinubu will win too. Maybe you can on the basis of that call those ones true pastors, then one wonders why you don't start attending their churches.
I don't believe in fortune telling! Na Babalawo/Dibia all of them be! Pastors/Alfa na cover up!
And your low iq brain still fails to understand SLS is just an example of millions of Muslims who work, and obtain benefits from commercial banks.
This is not a justification to working there! Riba is one of the greatest sin in Islam!
Allaah says (interpretation of the meaning):
“Allaah has permitted trading and forbidden Riba” [al-Baqarah 2:275]

“O you who believe! Be afraid of Allaah and give up what remains (due to you) from Riba” [al-Baqarah 2:278]

Who asked you whether interest is haram in Islam? Who cares? Has any Muslim being forced to collect loans? Federal mortgage loans, agricultural loans, microfinanace loans all come with interests and Muslims access them.
Only a bumbling idiot will bring Islam into purely governance matters. Nigeria is not an Islamic state!!
You don't need to asking as it does not concern you!
Islam is our way of life and Nigeria must work for all of us!
Paul has already said we should not yoke together so you want make them add interest so we can be denied the loan?
I know the Muslims in Nigeria won't accept that from FG!

Nigeria is not a Christian state either! Let the Muslims fight for what they want in as long as the Christians are not affected! I really don't understand why are you wailing like a bitten dog!
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by Kukutenla: 5:33pm On Jun 13, 2023
AntiChristian:
Yes, millions of Muslims can be wrong if you have the headcount that they are millions! The text of Islam support things depending on the context and settings! Even pork can be eaten in adverse famine conditions.
It seems you're really frustrated. There's no interest attached to the FG student loan and the person i was refering to earlier before you but in with your bigotry and senselessness understands!

I don't believe in fortune telling! Na Babalawo/Dibia all of them be! Pastors/Alfa na cover up!
This is not a justification to working there! Riba is one of the greatest sin in Islam!
Allaah says (interpretation of the meaning):
“Allaah has permitted trading and forbidden Riba” [al-Baqarah 2:275]

“O you who believe! Be afraid of Allaah and give up what remains (due to you) from Riba” [al-Baqarah 2:278]


You don't need to asking as it does not concern you!
Islam is our way of life and Nigeria must work for all of us!
Paul has already said we should not yoke together so you want make them add interest so we can be denied the loan?
I know the Muslims in Nigeria won't accept that from FG!

Nigeria is not a Christian state either! Let the Muslims fight for what they want in as long as the Christians are not affected! I really don't understand why are you wailing like a bitten dog!
You keep exposing your foolishness. Was there any consideration for Muslims or non-Muslims when the bill was being passed. The mortgage bill was passed with interest rates at 7%. Why didn't you wail like a goat or better still write a letter to the NASS that it's unislamic. Only a bigot and a senseless one at that will hinge his request for zero interest loan from a secular govt on Islamic precepts. For your info, giving and receiving loans is not part of Christianity. Christianity believes in giving freely not borrowing or lending. So maybe Christians should demand they be given the money as a grant since that's what their belief teaches. You see how daft you sound now?
The federal govt is a secular entity. Everything it does is in the realm of a secular, capitalist state not Christianity or Islam. If you want a jihadist govt, you can write to boko haram to take over Abuja. Anything shy of that and you're a bumbling asswipe.

I don't give a care what your Qur'an says. Your quran is not the constitution. The constitution is superior to your Qur'an as far as Nigerian govt is concerned. Let that sink into your thick dull skull.

I ask you again. If the Christians also say Christianity is about giving freely and expecting nothing in return, would you support it or say, how will the govt be able to sustain it?
You fucking bigot. Remove your silly religion from govt. No one has forced the loans on you, be it student or mortgage with interest. Go and collect yours from Jaiz bank.
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by AntiChristian: 5:37pm On Jun 13, 2023
Kukutenla:
You keep exposing your foolishness. Was there any consideration for Muslims or non-Muslims when the bill was being passed. The mortgage bill was passed with interest rates at 7%. Why didn't you wail like a goat or better still write a letter to the NASS that it's unislamic. Only a bigot and a senseless one at that will hinge his request for zero interest loan from a secular govt on Islamic precepts. For your info, giving and receiving loans is not part of Christianity. Christianity believes in giving freely not borrowing or lending. So maybe Christians should demand they be given the money as a grant since that's what their belief teaches. You see how daft you sound now?
The federal govt is a secular entity. Everything it does is in the realm of a secular, capitalist state not Christianity or Islam. If you want a jihadist govt, you can write to boko haram to take over Abuja. Anything shy of that and you're a bumbling asswipe.

I don't give a care what your Qur'an says. Your quran is not the constitution. The constitution is superior to your Qur'an as far as Nigerian govt is concerned. Let that sink into your thick dull skull.

I ask you again. If the Christians also say Christianity is about giving freely and expecting nothing in return, would you support it or say, how will the govt be able to sustain it?
You fucking bigot. Remove your silly religion from govt. No one has forced the loans on you, be it student or mortgage with interest. Go and collect yours from Jaiz bank.
No interest dey the FG Students loan, So rest! Islam wins!
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by Kukutenla: 5:42pm On Jun 13, 2023
AntiChristian:
No interest dey the FG Students loan, So rest! Islam wins!
Let me show how daft you sound now.
Interests abound in mortgage, microfinance, agricultural loans. Islam loses.
Islam seems to lose more than it wins. See your foolishness outside.
Oh and Interests in commercial banks too. Islam is on a losing spree!!
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by AntiChristian: 5:46pm On Jun 13, 2023
Kukutenla:
Let me show how daft you sound now.
Interests abound in mortgage, microfinance, agricultural loans. Islam loses.
Islam seems to lose more than it wins. See your foolishness outside.
Oh and Interests in commercial banks too. Islam is on a losing spree!!
I don't collect those loans with interest!
And we are to give away any accrued interest that is paid in to our bank accounts!

Islam will never lose!
Without mortgage i can build house!
And without all those others i can survive!
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by Kukutenla: 5:49pm On Jun 13, 2023
AntiChristian:
I don't collect those loans with interest!
And we are to give away any accrued interest that is paid in to our bank accounts!

Islam will never lose!
Without mortgage i can build house!
And without all those others i can survive!
Who cares what you do and what you don't do? You're a nonentity as far as Islam is concerned. Millions of Muslims take such loans chief of which was Buhari who said he took a loan from union bank to build his house.

Islam don lule for here o grin grin

Note: The student loan is modeled after the US student loan program. So you're only enjoying something copied from munafiqs. Is that not Bidaah?
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by Kukutenla:
AntiChristian:
I don't collect those loans with interest!
And we are to give away any accrued interest that is paid in to our bank accounts!

Islam will never lose!
Without mortgage i can build house!
And without all those others i can survive!
And to school your silly bigoted brain better, student loan is set at zero percent in all countries that offer it because it is believed the student is not involved in a revenue generating business or asset acquisition and not to satisfy some backward Islamic bs.
If we're to go with your stupid logic, gowon's govt should have made the student loan free since he is a christian. But smart people think in a more enlightened manner different from bigoted buffoons like you who see everything through the prism of religion.
Now Bleep off quietly to where you crawled out from to hit your head on the ground. Buffoon
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by mukthar2000(m): 11:10pm On Jun 13, 2023
dondodo:
Obi is coming
OP you never tired?
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by AntiChristian: 8:40am On Jun 14, 2023
Kukutenla:
Who cares what you do and what you don't do? You're a nonentity as far as Islam is concerned. Millions of Muslims take such loans chief of which was Buhari who said he took a loan from union bank to build his house.

Islam don lule for here o grin grin

Note: The student loan is modeled after the US student loan program. So you're only enjoying something copied from munafiqs. Is that not Bidaah?
A Muslim taking loan does not mean taking loans with interest is not a sin!
Get sense bro!

That many Muslims partakes in a sin does not that sin permitted in Islam! It still remains a sin!

Just because Reverend Jolly Nyame was found to have diverted over a hundred million does that mean all Christians can steal too?

Lastly, copying from munafiquun (hypocrites) or Kaafiruun (disbelievers) does not also mean anything! We do not copy them in acts of worship! And it's not the Muslims that is even copying them. It's the government! See how silly you are!

Bid'a is innovation in acts of worship! How is that even related?

I don talk am! You lack grey matter for brain!
Re: STUDENT LOAN LAW: Not Yet Uhuru. What To Do Next? by Kukutenla: 9:19am On Jun 14, 2023
AntiChristian:
A Muslim taking loan does not mean taking loans with interest is not a sin!
Get sense bro!

That many Muslims partakes in a sin does not that sin permitted in Islam! It still remains a sin!

Just because Reverend Jolly Nyame was found to have diverted over a hundred million does that mean all Christians can steal too?

Lastly, copying from munafiquun (hypocrites) or Kaafiruun (disbelievers) does not also mean anything! We do not copy them in acts of worship! And it's not the Muslims that is even copying them. It's the government! See how silly you are!

Bid'a is innovation in acts of worship! How is that even related?

I don talk am! You lack grey matter for brain!
The more you write, the more obvious it is that you're a dullard.
I thought Islam won because student loans are zero interest. You just keep swinging from left to right like an olosho looking for customer.
Stay in one place.
Now you know it's govt that's doing the loan thing not Islam. So may I ask what brought Islam into it. You're just a dullard. Your sense and that of a rat are at parity.
The Muslims who take such loans are sinners according to your Holiness. I say your mumu no get cure.
If loans have rules according to Islam and such rules are not being followed by other Muslims in accessing loans, have they not influenced your acts of worship and obedience?
It's just like taking some drugs that contain alcohol or embracing gays in the last world cup yet claiming you have not been infuenced in your religion.
You too dull
Everyone knows Muslims are the biggest looters in Nigeria. They are like locusts. From the time of IBB, Abacha and now Buhari, they add no improvement to the country. Only looting and looting. Yet you have mouth to call Christians whose regions produce the money you people are looting.
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