What if you could pay off your traditional 30 year
mortgage in as little as 3 to 9 years instead...
without increasing your monthly expenses?

Why pay thousands more for similar sounding
"copy cat" software only programs? 
You get far more for far less here.

Now we even give you a full 365 days to "prove it works" guarantee*!

 


What would eliminating 100 to 200+ payments be worth to you?

Just multiply your current payment (X) 100 or 200 = _____
FOR EXAMPLE:

$1,500 payment x 100 payments saved = $150,000
$1,500 payment x 200 payments saved = $300,000
THAT'S REAL MONEY IN YOUR POCKET

Watch the system video preview
HERE >>>

 
Some startling facts....

 

  • Americans have less equity as a percentage of the value of their homes than ever before.
  • The news headlines say the so called “real estate bubble” may be upon us. Instead we are really experiencing a "debt bubble".   We believe the only real answer is sound, rapid mortgage debt elimination.

  • In the first 10 years, most people only pay down their mortgage by 15% of the entire balance,  85% of mortgage payments over 120 payments are wasted and gone forever.

  • By not using the Living Free and Clear system, you are managing your checking and savings accounts the "bank preferred way" and costing yourself a fortune.

    Many professional experts now believe that the home mortgage tax deduction has simply allowed lenders to keep us all borrowing and staying in debt...they are selling America on justifying being in debt.

The Living Free and Clear (TM) - 
Mortgage Eliminator and FLEX LINE Software and Account

My simple “Give it to You Straight” program secret may aggravate
the BIG banks, but ENRICHES those who TAKE THE FEW MINUTES
needed to learn it before it is too late!


By now, you’re probably feeling frustrated and confused by “the mortgage maze” consumers are caught up in today. Mortgages have changed a lot in the last few years…
interest-only, option-payment, ARM’s, etc. 

How can anyone understand it all? The only thing you need to know is that these new ways are designed to keep you in endless payments and refinancing traps which only benefit the BIG BANKS.  I just heard of a 50-year mortgage! Can you imagine?

Do you want to be beholding to the BIG banks for half-a-century? 30-years is bad enough. 

But what if I could show you a way to play the same game that the BIG BANKS play and WIN. You could win paying off your typical mortgage in about 50% to 75% less time – without increasing your expenses!  What would it feel like to be totally mortgage and debt free?  Now you can find out.

Believe me this is not like anything else you have seen.  Maybe you’ve tried stale methods of "bi-weekly" or "extra payments" to accelerate your mortgage payoffs, only to find out they don’t really do what they claim.  They turn out to be complicated,  include hidden costs, or it is difficult to follow through with the payment schedule. That’s because manual management mortgage acceleration can be complex and difficult. Paying twice a month actually COSTS YOU MORE out of your monthly budget to accomplish. Therefore, they can’t give you the results that my new but well tested breakthrough yet EXTREMELY SIMPLE, The Living Free and Clear (TM) - Mortgage Eliminator System can.

If you can make a deposit + write a few checks, you can use my system
once we show you how with our live training.

Starting the Living Free and Clear (TM) Mortgage Eliminator System
Combined with a Flex line Account is the first critical step toward achieving
your very own Living Free and Clear Lifestyle.

The Living Free and Clear (TM) Mortgage Eliminator System shows you how to:

  • Get out of the clutches of the mortgage and credit card companies FAST.

  • Use the most effective way to pay off your typical 30-year mortgage in as little as 3 to 9+ years in
    most qualified cases
    .  If you slash away 20 years , that equals 240 payments X your current payment. 

  • For example: If your mortgage WAS $1,000 per month x 240 eliminated = $240,000 in payments saved!

  • Accelerate your wealth building, with simple strategies for real estate investing. 

  • What if you could even make money each month with the Living Free and Clear (TM) System?  Once you clearly see that this system really works, would you want to tell others?  What if we paid you to do so!  We'll show you how to literally cash in.


    Warning: Are you making these major money mistakes?

    Making minimal payments on your mortgage?

    Depositing money into traditional bank account, where they make all the profit on the use of your bank stored money?

    Making one extra payment a year or on a bi-weekly scheme, which only cuts a few years off a mortgage anyway, but costs you more out of your budget?

    Using a strategy which relies on one of those risky First Mortgage Only - HELOC (Home Equity Line of Credit) programs (rising rates can get you on those, and it takes twice as long in most cases) .

    Just making the minimum payment on all your credit card payments.

    Focusing only on the monthly payments or interest rates alone?


    WHAT ABOUT FOCUSING ON REAL "COST" OF A MORTGAGE INSTEAD?


So, what can you do to WIN the wealth game?

It’s completely within your control to do. All you need is the right system. So jump ahead of the game now. Thousands of informed people just like you are now discovering how to be living free and clear, who never thought they could.

For example:  If your payment is $1,400 a month then you could save up to $336,000 - $392,000 in payments compared to a traditional 30-year fixed mortgage.  This is real money that goes right in your pocket!  If you own investment properties, it would still save you on average $50,000 per property...that's a BONUS $50,000 profit each.

Does paying off your house early make sense?
You bet it does, regardless of what so called experts tell you!  
If the economy crashes, being free and clear protects you.

Here’s why:

1. Your home mortgage is probably your biggest expense and LIABILITY – not an INVESTMENT

Imagine what you could do with that extra money, if you had no debt or mortgage. Would you send your kids to the finest college, take that dream vacation, maybe even buy a second home, feel more secure if there was an economic down turn?


2. The "myth" of the mortgage tax deduction - Even though you may get a tax deduction from your mortgage

(BANK GIMMICK TO KEEP YOU SOME HOW JUSTIFYING STAYING IN DEBT), most of the time you are saving less than 30% of your mortgage interest--the rest is just gone! It is like giving up $3 to get a $1 discount .  What a deal???  You might as well go to Vegas with your money. Staying in debt is always more risky and costly than being mortgage debt free.

3. Times are changing - and here is the answer

Most experts say we are facing a real estate "bubble". That bubble may be about to BURST. In times of high appreciation (inflating bubble), you want to invest in certain types of real estate, but in times where you expect little to no appreciation (like many do right now) you want to secure your family’s future by “investing” in yourself.

 
Reducing your mortgage debt without increasing your monthly budget is a sure-fire way to secure yourself against the "bubble"!  Remember, during the great depression, the survivors were the ones who were debt free going in. 

STOP wasting your money on bogus “low interest” offers, or tricky “low payment” mortgages, or extra payments alone, and discover how the Living Free and Clear System and Flex Line Account, will change your life forever...and improve your lifestyle at the same time.

BANKS WOULD LIKELY PREFER YOU NOT KNOW ABOUT THESE ALTERNATIVE CASH FLOW OPTIONS.
It is a simple wealth building and mortgage payment strategy that can save you thousands – without increasing your expenses, through smart and automated cash flow management!

The Living Free and Clear(TM) Mortgage Eliminator System is a step-by-step formula for reversing the flow of your money from the BIG BANKS and giving it back TO YOU!  You can literally reverse the effect of compound interest working against you.  THIS IS THE GREATEST DISCOVERY SINCE THE INVENTION OF COMPOUND INTEREST, IT IS CALLED “REVERSE COMPOUNDING”.   It’s not just another self-help, budget book. I give you realistic solutions and the chance to join the LIVING FREE AND CLEAR LIFESTYLE!

 

“OKAY, I’m sold, so what’s this amazing money-saving,
money-making resource going to cost me?”
How much would eliminating 100-200 payments be worth?

Because I want you to join me and thousands of others Living Free and Clear (TM),
I know it can change your life like it did mine, I’m making you a very special offer just so
you’ll give it a try. 

Still not sure?  Here are more reasons.

"The Longer You Wait, The Harder It Will Be To Get Control of Your Finances..."

Do not delay. Every moment you wait, you risk losing more money, and once it’s gone, it’s gone for good. Don't be struggling, frustrated, or confused for another day. Get the Living Free and Clear (TM) Mortgage Elimination System now, and join us in the Living Free and Clear Lifestyle (you can start immediately as much of the material is downloadable).

Remember: if you continue to act the same way or do the same things, you're going to get the same results - meaning you're just going to get further and further away from what you truly want. Being in complete control of your LIFE. What I am offering you is the easiest, most risk-free way to see for yourself how our proven step-by-step formula can pay yourself first and help you win at the game of life.

I URGE you to take action now and take control of your financial life!

Let's do a quick comparison. You could pay BIG money and take time off from your busy schedule and pay some multi level marketer who is really only working to get a commission, charging you as much as $5,000, and probably won't be able to give you a plan like ours. Or you could get our program and get started today with no risk and effectively ZERO out of pocket expense...SEE SPECIAL OFFER BELOW (and even get it virtually FREE after referral program rebates), all in order to potentially save $10'000s of thousands or even $100,000's of thousands of dollars!

Which result do you want?  The OLD WAY?

Typical 30 year fixed rate mortgage scenario

90 Days Interest LOST $3,497

90 Days Equity Gained $494.69
1st Year Interest LOST $13,935 90 Days Equity Gained $494.69

 

or the NEW Living Free and Clear (TM) Mortgage Eliminator

 

After 90 Days Extra Possible Equity Gained $4,637
After 1 Year Extra Possible Equity Gained $19,241

 

You could go out and shell out lots of $$$ and buy all sorts of books on real estate, investing and money saving strategies...and hope that one of them will contain your "situation".

Or… you can join the Living Free and Clear (TM) Lifestyle with my easy to use Fast Start plan. To get to know you and have you join us in the incredible Living Free and Clear (TM) Lifestyle I am making available to you our Living Free and Clear (TM) Mortgage Eliminator System and Flex Line Account with our incredible offer.

How can I do this you ask?  Because, I have seen the difference in thousands of lives just like yours and I want you to join us. So, I am making the Living Free and Clear Mortgage(TM) Eliminator System available to you as a download-able e-course directly accessible from the Internet, and/or a whole set of courses shipped via FEDEX.

No need to worry, downloading and using the Living Free and Clear (TM) Mortgage Eliminator System and Flex Line Account is a real snap, I’m not a "techno whiz", I focus on wealth creation for our Lifestyle members. So I have gone out of my way to make it super easy. (It works perfectly with both MAC or PC computers).  Now, because you will be downloading everything online - I'm not going to charge you anywhere near the amount others pay for a personal consultation with me.

In fact, the Living Free and Clear(TM) Mortgage Eliminator System and Flex Line Account will cost less than 1 to 3 typical mortgage payments...in exchange for eliminating up to 100 to 200 + payments.  GUARANTEED.

 

Order now and receive these money making FREE bonuses:

Special Bonus #1:  

AN INTRODUCTORY E-COURSE ON QUICK CASH, NO MONEY DOWN REAL ESTATE BY T.J. MARRS, PLUS A $1 TRIAL OF OUR MONTHY REAL ESTATE INVESMENT TRAINING PROGRAM FROM www.freerealestatecoaching.com

Special Bonus #2:  

A SPECIAL TELE-WEBINAR TO TEACH YOU TIPS AND TRICKS TO MAKING THE SYSTEM WORK FOR YOU.  IF YOU WANT TO GET STARTED RIGHT AWAY THIS IS AN ITEM YOU MUST LISTEN TO. PLUS FREE ACCESS TO MANY FREE CONFERENCE CALLS ON REAL ESTATE INVESTING, FINANCE, AND ASSET PROTECTION.


Living Free and Clear clients and affiliates
include people from all walks of life

See what others have to say:
Watch the Testimonial Video >>
(be sure to allow pop ups)

...I’m know that some people doubt the authenticity of the information, but I’m a CPA and I believe that the information will allow people to live free and clear.

John S. - CA

...Just wanted to thank you for your most valuable advice yesterday. As you suggested, we talked to loss mitigation ourselves rather than having a company do it for us. And we were successful in getting a payment plan worked out. You were right. We would have had to pay the mortgage company and the loss mitigation company too. We would have had to pay double at least had we not gone direct to the mortgage company. Although I don't think my situation was what LCF was designed for, your advice was so crucial to our situation, it alone paid for the purchase of the system.

Lill G - FL

...Thank you. I am so happy that I found about you guys. You are all a pleasure to be around. I am so honored to be connected with you all. I am deeply and eternally grateful for you and everyone else in Living Free and Clear. My family and I deeply thank you from the bottom of our hearts.

Sylvia R - St. Louis, MO

...I was a true skeptic. After the presentation, I was convinced this could help me and many others in paying down a mortgage in record time. I look forward to learning and using the program in my quest to become debt free.

John W - FL

...I started the program with the help of TJ in January and now 6 months later I've already paid off $10,000 of my mortgage. This is no joke. I will be debt free before I know it!

Adam S - Portland, OR

...The thrill of graduating from pharmacy school was quickly overcome by the dreadful realization that I had huge loans to repay. On top of my ridiculous student loans, my job as a traveling pharmacist required a reliable car. $15,000 dollars later (after a $3,000.00 down payment) I had a good car and bad feeling- how could I afford $250.00 monthly car payments on top of my regular $400.00 student loan payments? After talking with my success coach he helped me realize that if I paid off my car in 6 years according to the terms of the car loan- it would cost me thousands of dollars. Then he showed me how much money I would lose if I paid my college loan off in 30 years. I was astounded. I decided to follow the formula. I now sleep easier knowing that I will save so much money by following the plan and be debt free in 5 years!!!"

Cullen S - Portland, OR

 

 


Here is what you get with the
Living Free and Clear
(TM) Mortgage Eliminator PREMIER System
(Option #1)

Success Pack

Final packaging option may be combined with download-able materials, and may vary from picture.

 Includes: 2 major league systems complete with Audio CD’s,
Fast Start Videos, and Software (some material is downloaded right now)


The Premier Course Pack Includes:

1. “Living Free and Clear” ® Premier System (over 130 pages)

- How to become debt free and pay off your mortgage in about 1/3 the time (based on a comparison to a
recent standard 30 year fully amortized mortgage). 

- Learn 3 proven systems that work for almost any situation – including yours and those you know.

2. “Get Debt Free” ® Bonus Course is also included (over 170 pages)

- How to build a great credit rating & How to better manage debt and stay out of debt.

- How to reduce your taxes and stay out of trouble with the IRS.

- How to deal with credit problems more effectively

- How to use your credit MORE EFFICIENTLY to build your portfolio of investment properties, & more.


Everything you need is included in the Premier System!

  1. Complete set of Audio CD’s + our 20 minute FAST START VIDEO. Gets you started in just a few minutes!   
      
      
  2. PLUS 3 Easy to Use and Essential To Success Software Tools

    This technology is required and proven to build your personalized plan, dramatically increase your results, and keep you on track over the long term.  

  3. 30-day FREE TRIAL of our online automated budget tracking system

    This optional tool enables you to easily and quickly get a grip on your budget - discover how you can easily payoff your debt(s) more efficiently.  Saves time and money.  This tool helps your family stay on budget toward paying off your debt a few years.  

  4. FREE Weekly Q&A Calls Assistance Webinar to learn how to use your tools

    We’ll help run your software for you.  You just load it, input your numbers, and we will join you online to review and finish your plan FOR YOU.  These coaches are independent associates and customers just like you.  

  5. Lifetime support and system updates (with the Premier pack)

  6. Simple "Flex Line" Account Application
    This will be from our Preferred Credit Union to set up your special bank account which is linked to your FLEX Line qualified Line of Credit. NO complicated mortgage process needed. This application will be emailed separately so you can start setting up immediately (subject to minor credit qualification). It just takes a few days to get set up.

  7. Discounts on future group training on :
    1. Asset Protection
    2. Creative Real Estate Investing & Rental Management Techniques.
    3. Legal protection and more  

  8. Referral to our preferred/certified mortgage lender for guidance and personal support.

    They will provide you the one on one service after your purchase.  At your option after you get set up with our basic system, they can provide your one on one review to see if there are any further strategies that may make your plan work even more efficiently. The preferred lending partner is a separate entity from Asset Solutions 2100, LLC, your course affiliate coach cannot quote specific rates, unless they also are employed and licensed by a certified preferred lender.

    LENDING DISCLAIMER:
    Asset Solutions 2100, LLC is not a licensed mortgage lender.  Lending services are provided by a “preferred” national mortgage lender.  Loan qualification are not implied nor guaranteed. 
  9.  


So how much is the investment? Far less than closing costs on a
typical mortgage,which usually only get's you into worse shape.

Here is the good news....

Would you trade 1 to 2 average mortgage payment in exchange
for up to 100 to 200 payments eliminated?  or look at it this way...

Would you pay the equivelent of less than a 1% loan fee (based on total mortgage debt),
if you could get a mortgage that pays off in 10 years without increasing your payments
compared to a 30 year plan.  This program even better than that.


(HINT: You paid more than that for the last 30 year mortgage you got, in total fees)
 
A copy cat program out there charges nearly twice as much, for far less content and support.


With our recent revisions and streamlined offer, you can now save even more!

PLUS with our Premier System you automatically get priority access to become an optional affiliate marketer. You can start earning commissions and multiple overrides of affiliate growth, automatically. No complicated formulas, simple qualifications.

 

HOW QUICKLY CAN YOU EARN BACK YOUR INVESTMENT?
That’s typically less than you’ll save in equity gain in the first month or two alone! 
Of course earnings are entirely up to you.  Just share the good news.

 

OUR UNHEARD OF... TRY IT FIRST GUARANTEE,

 IT TRULY IS RISK FREE TO START NOW

 

30 Day RISK Free Money Back Guarantee
Just set it up, try it, attend the live training, then decide if it is for you.
This is the only requirement.

 

PLUS GET OUR

365 DAY PROVE IT WORKS GUARANTEE

USE IT FOR ONE FULL YEAR (MINIMUM)... MAKE 5 TIMES YOUR MONEY IN EXTRA EQUITY GAIN OVER A TRADITIONAL 30 YEAR FIXED MORTGAGE BY THEN...OR THEN YOU MAY KEEP THE COURSE AND GET A REFUND

If this system will not pay you back at least 5 times more equity in the first year alone, compared to that fixed rate scenario, you are then free to request a full refund, and KEEP the course.  This is in addition to the fact that you could eliminate 50, 100, or 200 payments OR MORE.  *Complete policy details are at our "Company Contact" page.


NOW THERE IS NO REASON NOT TO GET IT NOW. IF YOU WAIT JUST ONE MONTH, YOU MAY THROW AWAY MORE INTEREST NEXT MONTH, THAN THIS PROGRAM COSTS. MUCH OF THAT MONEY COULD HAVE INSTEAD GONE TO EQUITY (IN YOUR POCKET) INSTEAD OF INTEREST TO THE BANK.

SO PAY YOURSELF THIS MONTH OR PAY YOUR BANK EXTRA INTEREST. 
YOU CHOOSE.  THE GAINS STARTS THAT FAST.  REALLY.

"GET IT VIRTUALLY FREE" BONUSES

1.  FAST START SYSTEM... 

You will get instant access to our basis system, and be able to start in less than one hour, event before your material arrive.  PLUS se results in the first few months.  You initial fee can also be absorbed right into you Flex Line account, so you will be out of pocket ZERO net dollars.

Get the savings in terms of new fast equity in the first few months alone...in addition to slashing 100-200 payments!  PLUS GET THESE FAST ACTION BONUSES IF YOU ORDER TODAY

+

2. GET YOUR COURSE VIRTUALLY FREE* AFTER REFERRING JUST 2 TO 3 OTHERS.

CASH IN by telling others about Living Free and Clear(TM). When you order the Premier Course, you can also be enrolled automatically eligible for our Power Matrix Affiliate Program for just $1 more to start.  You can earn HUGE commissions per referral using the promotional links we will provide you. You will automatically be send an enrollment link after your purchase here today. 

 
3.  START WITH VIRTUALLY "NO MONEY OUT OF POCKET"

Start by ordering today with your credit card.  It is risk free with our guarantee. Then take the first draw from your flex line to pay off that card in full, thus including your up front fee right into the plan = ZERO out of pocket!

For Example: If you refer just 2 people who buy the Premier program, you will earn back nearly 90% of your entire investment instantly PLUS A LOT MORE!  If they refer others, and they refer others, etc.  You earn from all of this growth as it grows beyond your own referrals (minimal qualifications apply).


HOW IS THAT FOR LOW RISK AND OPPORTUNITY 
TO TAP INTO THIS BOOMING INDUSTRY!?
TIMING IS EVERYTHING, WITH THE RIGHT COMPANY BEHIND YOU.

+

4. $500 Mortgage Fee Discount Certificate....just in case

A NEW mortgage is not always needed, however, if it turns out that you do need a mortgage as part of your plan, you will not only get a premium rate through our preferred lenders, but you'll save on closing costs as well. Coupon applies upon advance ordering today only.

Applies to course orders placed in advance of loan application. Not applicable if purchasing program out of loan proceeds. Course ownership proof and $500 discount coupon must be submitted to certified lender in advance of requesting a mortgage quote.

The only way to lose is to NOT take action today!


Not ready to get started yet?
Take demo only for just $9.95
Processing Fee. Not an application for credit. HERE

 

The greater risk it to keep using the OLD way of paying your mortgage the way
the bank WANTS you to!  STOP throwing away so much cash to costly interest.


 

 Now you have 2 Options for Getting Started

ALL FOR VIRTUALLY ZERO NET OUT OF POCKET*


ds

THE PRO-PREMIER SYSTEM
INCLUDES ALL THE OPTIONS YOU SEE ABOVE.

Our most complete course packages shipped Fedex ...plus online tools delivered instantly via download. WHY PAY THOUSANDS MORE for a less complete system.

SPECIAL LIMITED TIME OFFER  Now just $1,997

FAR LESS THAN YOU WOULD PAY IN MORTGAGE LOAN FEES

IF YOU WERE GETTING A NEW MORTGAGE,
BUT WITH FAR BETTER RESULTS AND LESS HASSLE.

fd 30 DAY MONEY BACK GUARANTEE
+
365 DAY "USE IT" GUARANTEE
+ Lifetime Support

  OR
TRY OUR INSTANT ACCESS / DOWNLOADABLE SYSTEM

Get Instant Access to our "ESSENTIALS SYSTEM"
With 2 payment options below
  • Do you prefer a compact download-able system?
  • Is your credit average or above?
  • Get instant access now.
  • See it work first.
     
    A. Start for $1* today - Take the 21 day test drive...
    THEN auto-pay the balance of $996 after that, unless you decide to cancel. 
    So the total investment is now only $997. With no other costs or fees for life.
    OR

    B. Start for $87 today + 11 more easy payments of just $87

    Guarantees still apply**

**Terms and conditions apply with software based products (see below).  Details and instruction are found at the company web site.


 


Online ordering is the fastest and most secure option.  If you have problems, call 360-859-3733 during business hours (10am - 6 pm Pacific Time).  Someone will likely follow up the next day to complete your order. Questions after your order?  Contact Us Here 

 

*ZERO NET OUT OF POCKET DISCLAIMER: ORDER VIA CREDIT CARD.  THEN ONCE YOU ACTIVATE YOUR FLEX LINE ACCOUNT or similar line of credit you may wish to incorporate, simply draw those funds to pay the card. The Flex Line is not a refinance, but an additional small account added to your current mortgage, to help you manage the system.  Usually a first mortgage refinance is not needed, unless it takes sense to consolidate some bills or get out of a bad mortgage first.  This results in effectively putting your program fees into a refinance, with zero $$ out of pocket, without the hassle or cost of a full mortgage refinance.

 


DISCLAIMER – This system merely provides a best estimate.  Examples and course evaluations given are for demonstration purposes only, and should not be construed as a specific guarantee of results.  Results vary due to multiple factors such as interest rates, income, timing, credit rating, program management, and other issues.

Other return policies and instructions will be found at www.livingfreeandclear.com. Only this guarantee applies to this product. *A ten percent processing and restocking fee applies.  Print and return all downloaded materials along with your written request, and written certification stating all materials are deleted from your system, plus a copy of this guarantee for your refund. An online verification of your system will be performed to verify all files have been removed prior to refunds being issued.

All sales are final after the offered trial period ends. 72 hour notice is required to avoid charges being incurred on any billable charge. Refunds usually take 7 working days to process. Asst Solutions 2100, LLC does not render legal or accounting advice, nor is responsible for any financial outcomes as a result of using the Living Free and Clear system or software. The software merely provides an ideal projected estimate, and should not be taken literally as the only solution to debt payoff reduction. Personal financial responsibility, logging results, and reducing expenses may also be necessary to assist in maximizing results. Unanticipated variances in expenses or income are not possible to project.

Lending Disclaimer: The preferred lending company is a separate company from Asset Solutions 2100, LLC (marketing the Living Free and Clear course).Separate loan qualifications apply and are not guaranteed nor implied. Individual qualifications apply to determine rates and fees. Typically our preferred lenders are qualified to give the most highly competitive rates available. Not all situations require a new mortgage loan.

*RETURN & REFUND, POLICY AND GUARANTEES FOR THESE PRODUCTS ARE FOUND ON OUR COMPANY AND POLICIES PAGE.