Are there any upcoming events or earnings reports for PNC Financial Services Group Inc?

Asked 10 days agoby Paul4 answers0 followers
All related (4)Sort
0
Please tell me about any scheduled earnings releases or significant company events.
Dermot
Dermot
User·

Quick Summary

If you’re keeping an eye on PNC Financial Services Group Inc. (PNC) and wondering about their next earnings report or other major events, this article will walk you through how to find the most up-to-date info, what to expect from their upcoming events, and why it matters to investors. I’ll also share my own “messy” process for tracking these dates, toss in a real-life example, and compare how reporting standards differ across countries. Plus, you’ll get a few pro tips straight from industry experts and regulatory sources.

Why Staying Up-To-Date with PNC Events Actually Matters

Let’s cut straight to the point: knowing the timing of PNC’s earnings reports or major announcements isn’t just for finance nerds. It can mean the difference between making a timely investment decision and missing out. In my own experience, I once set a reminder for a bank’s earnings call a day late—yep, you guessed it, I watched the share price move before I had a chance to react. Lesson learned: always check the official schedule. For PNC, this is doubly true because big banks often surprise the market.

How I Actually Track PNC’s Upcoming Earnings (With Screenshots & All My Mistakes)

So, how do you know when PNC will release their next quarterly earnings or hold a key event? Here’s my step-by-step process, warts and all:

Step 1: Go Straight to the Source—PNC’s Investor Relations Page

Start at the PNC Investor Relations website. This page is your best friend for official dates, recent filings, and press releases. I used to rely on random finance news, but realized the IR page gives you SEC filings and events straight from the company—no filter, no delay.

Screenshot Walkthrough:

  • On the IR homepage, look for a tab called “Events & Presentations.”
  • Click through, and you’ll typically see a calendar of upcoming events, including quarterly earnings calls, webcasts, and the annual shareholder meeting.
  • If you see “Q2 2024 Earnings Release” (for example), you’re in the right place. Note the date and time.

I once missed this tab entirely, spending 10 minutes scrolling through press releases—don’t be me, use the calendar!

Step 2: Cross-Check with Major Financial News Sites

Even with the official site, I like to double-check against sources like Nasdaq’s PNC earnings calendar or Yahoo Finance. Sometimes, dates shift or get updated late—so having more than one source is key. I made this mistake once: Bloomberg had an old date, but Nasdaq had the updated one. Trust, but verify!

Step 3: Set a Calendar Alert (Trust Me, You’ll Forget Otherwise)

I plug the date and time into Google Calendar and set two reminders: one the day before, and one an hour before. I’ve learned the hard way—between meetings and coffee runs, it’s easy to miss these events. If you’re using Apple Calendar or Outlook, same deal: set a recurring reminder for each quarter.

Step 4: Download the Earnings Call Presentation

Most big banks, PNC included, post their slides and sometimes a transcript ahead of the call. Download them from the IR site, or use services like Seeking Alpha. I like to skim the slides in advance so I’m not scrambling during the call. (One time I tried to follow along live without the slides... felt totally lost.)

Step 5: Watch for Regulatory Filings

After the earnings release, check for the official 8-K filing on the SEC EDGAR database. This document is the final word—sometimes it includes details not in the press release. According to the U.S. Securities and Exchange Commission, companies must file material events “promptly” (see SEC Rule 33-8400).

What’s Coming Up for PNC? (Real Data Example)

At the time of writing (late June 2024), PNC’s next scheduled event is their Q2 2024 Earnings Release. According to both their Investor Relations page and Nasdaq’s calendar, PNC will release earnings on July 16, 2024, before market open, followed by a live conference call at 10:00 a.m. ET. I recommend checking these links for any last-minute changes.

Why Do These Dates Matter, Anyway?

It’s not just about numbers. As one industry analyst, Sarah Cohen from BankRate, told me, “Earnings day is when you get the real pulse of management’s outlook. If the CEO hints at loan losses or credit risk, the share price can swing wildly.” (Source: BankRate Earnings Season Guide)

Global Differences: How Verified Trade and Reporting Standards Compare

Funny enough, not every country runs this process the same way. The U.S. has the SEC and tight rules for reporting dates and accuracy. In Europe or Asia, disclosure rules can vary, especially for “verified trade” confirmations or earnings events. Here’s a quick comparison:

Country/Region Standard Name Legal Basis Enforcement Agency Notable Difference
United States SEC 8-K, Reg FD Securities Exchange Act of 1934 SEC Strict, must disclose material events promptly
European Union MAR (Market Abuse Regulation) EU Regulation 596/2014 ESMA, local regulators Similar timing, more focus on insider trading
Japan TDnet Disclosure Financial Instruments and Exchange Act FSA, TSE Quarterly, with English summary lag
Canada SEDAR Filings Canadian Securities Administrators Provincial Securities Commissions Can be slower, more variance by province

For more on U.S. regulations, see the official SEC guidelines: SEC’s Earnings Release Guidance. For Europe, check the ESMA MAR documentation.

Case Study: How A Dispute Over Reporting Dates Played Out (A vs B)

Let’s say Bank A (U.S.-listed) and Bank B (EU-listed) both operate in cross-border markets. In 2023, Bank A disclosed an earnings restatement within 24 hours, as required by the SEC, triggering immediate market reaction. Bank B, under EU’s MAR, delayed disclosure until internal checks were finished—a two-day lag. Investors in Bank B’s U.S. ADRs complained to U.S. regulators, but the SEC clarified that EU rules applied to the local listing, not the ADR program. This kind of mismatch can lead to trading volatility and confusion for global investors.

Industry Expert Take: Why It’s Messy

As Michael Grant, a compliance officer at a multinational bank, told me: “If you follow only U.S. rules, you’ll get burned on foreign stocks. Always check the home country’s regulator and reporting calendar. Missing a filing in Tokyo because you’re on New York time is a rookie mistake.”

Wrapping Up: What Should You Do Next?

To sum up, if you want the inside track on PNC Financial Services Group Inc.’s upcoming earnings or events:

  • Always check the official investor relations page first.
  • Cross-verify with major financial media and calendars.
  • Set calendar reminders—don’t trust your memory alone!
  • Review the official filings on the SEC EDGAR site.
  • For international stocks, check the local regulator’s standards and calendar.

My final thought? Even with all these tools, there’s no substitute for double-checking the dates yourself. I’ve missed more than one event because I trusted a single source, so build a habit of cross-verification. If you’re investing for the long haul, these little details add up—sometimes, they’re the difference between catching a big move and getting caught off guard.

For more on reporting standards, see the OECD Principles of Corporate Governance.

Comment0
Samantha
Samantha
User·

Are There Any Upcoming Events or Earnings Reports for PNC Financial Services Group Inc?

Summary: If you’re tracking PNC Financial Services Group Inc. (NYSE: PNC) for investment or business insights, this article shows you how to quickly check their upcoming events or earnings reports—using the same reliable, step-by-step methods I’ve honed after years of frustrating trial and error. Expect real screenshots, detailed processes, expert commentary, and a quirky true story (including my embarrassing goof in front of my old boss). Plus, you'll see how this fits in with regulations and standards that professionals use to ensure data credibility.

Why This Matters: Solving the "When is PNC’s Next Big News?" Dilemma

Most investors (like me, the first time I bought shares in a major US bank stock) realize that company events—especially earnings announcements—can swing stock prices wildly. Miss the date, and you risk getting caught in after-hours volatility; know it in advance, and you’re in control. But here’s the headache: Every news aggregator presents it differently, and company pages are often buried or confusing. I’ll show you a direct, reliable way to get dates, confirm them, and avoid relying on rumors or second-hand tips.

Step 1: Go to the Official Source—PNC’s Investor Relations Page

Forget random forums or even Yahoo! Finance for the first check. US companies like PNC are required by the US Securities and Exchange Commission (SEC) to disclose their earnings dates and investor events openly. PNC’s investor relations site is always up-to-date by compliance. Here’s what I do (screenshots included—yes, my desktop is messy):

PNC investor page screenshot Actual screenshot from PNC’s Investor Relations Events & Presentations as of June 2024 (source)

As of my last check (June 2024), PNC’s next scheduled earnings release was marked for July 16, 2024. The page gets updated immediately if anything changes—unlike third-party services, which might lag by a day or two.

Step 2: Cross-check with SEC Filings—Because Regulators Don’t Lie

Want to be 100% sure? The SEC’s EDGAR database is where public companies file their earnings schedules as part of “Form 8-K” disclosures. It’s not fancy—but it’s reliable.

  • Go to EDGAR Company Search and enter “PNC Financial Services Group.”
  • Look for recent “8-K” filings tagged “Earnings Release.”
  • Within the filing, check dates and listen for cautionary details in the notes.
EDGAR filing for earnings Screenshot: Navigating to the earnings release in the SEC EDGAR system. These 8-Ks are industry-standard proof for event timing. (look here)

This step is exactly what one USTR compliance manager shared with me during a webinar: “We don’t trust internal schedules until they hit a regulatory database. That’s what professional investors do.”

Step 3: Supplement with Calendar Services—But Double-check Everything

Sites like Nasdaq (see: PNC earnings page), Yahoo! Finance, and Seeking Alpha also provide earnings calendars. They’re useful for reminders, but sometimes (from my experience, about 1-in-5 earnings seasons), dates can conflict. One time I used Yahoo! Finance for MSFT’s report, but their “upcoming” date turned out to be last year’s—nearly cost me a position. Always double-check!

Nasdaq PNC earnings screenshot Sample: Nasdaq lists PNC’s scheduled earnings. Notice the “Confirmed” badge only appears after company or SEC validation (source)

A Quick Expert Commentary: What Counts as a "Significant Event"?

According to global best practices outlined by the OECD Principles of Corporate Governance, “significant events” for listed firms include:

  • Quarterly and annual earnings releases
  • Changes in executive leadership or board
  • Major M&A announcements
  • Investor conference presentations
  • Regulatory/legal actions affecting business model

Each of these must be disclosed according to market rules—including the SEC’s Regulation FD (Fair Disclosure). So, if you’re worried about missing unaired news, just know that public companies like PNC face stiff penalties for nondisclosure.

Case Example: How a Cross-Border Analyst Handles Earnings Dates

Consider this: I had a former colleague, Jae Kim, who tracked US bank stocks for a Singapore-based fund. The office had a half-dozen terminals running Bloomberg and Reuters feeds, but Jae’s ultimate method? “Straight to company IR sites, then EDGAR. We check with two calendar services and compare.” The reason: In 2022, cross-border differences in “verified trade” led to a messy divergence between US and EU earnings release confirmation windows.

Comparison of "Verified Trade" and Event Disclosure Standards
Country/Region Disclosure/Event Verification Name Legal Basis Regulator
US Regulation FD, Corporate Filings SEC Reg FD (2000) SEC
EU Transparency Directive Directive 2004/109/EC ESMA, National Regulators
China Interim Provisions on Information Disclosure CSRC Rules 2007 CSRC

The key point here: definitions and timing for “official” earnings events can differ. In the US, companies must notify the SEC and investors simultaneously. The EU requires disclosure in at least one major news outlet by law. In China, disclosures must be filed via government portals, under stricter review. If you ever notice US and foreign reports listing slightly different dates, this “timing window” is almost always the reason.

Personal Note: When I Screwed Up the PNC Earnings Date

Storytime—two years ago, I was prepping for a client call about PNC’s Q2 numbers. Rushed, I googled “PNC earnings release” and hit the first result, slapped it into my investment brief…and presented last year’s date to the whole room. Turns out, both Yahoo! Finance and a popular blog were showing out-of-date info. The client was polite, but the old boss pounced—“Why not just use the source?” From then on, I always started with the company’s IR page and checked for the latest filed dates.

In Conclusion: Quick-Check, Cross-Check, Never Trust Just One Source

Curious about PNC Financial Services Group Inc. (PNC) and their upcoming events? As of June 2024, their next earnings report is scheduled for July 16, 2024, as per their official Investor Relations Page and confirmed by SEC filings. Don’t rely on a single aggregator or financial calendar. Always double-check with the company and regulatory filings—you’ll avoid costly errors and stay one step ahead.

If you’re tracking multiple stocks, make a habit of saving the IR link and setting your own reminders. For regulatory buffs, pay attention to legal requirements (see links above); these rules actually shape how and when public companies communicate.

Next Steps: Bookmark the PNC IR page, subscribe for SEC alerts (directly via SEC Filings), and use reliable, cross-verified calendars for each of your tracked holdings. And—learn from my mistakes. Never present an earnings date from a blog unless you’ve seen it with your own eyes on the official or regulator site!

Comment0
Annette
Annette
User·

Summary: How to Track Upcoming Events and Earnings Reports for PNC Financial Services Group Inc.

Wondering how to always stay ahead on PNC Financial Services Group Inc. (NYSE: PNC)’s next big moves—especially earnings reports or key corporate events? You’re not alone. In this guide, I'll walk you through the real steps I used to track scheduled earnings for PNC, with screenshots and actual mishaps along the way. Plus, you’ll get an inside look at how different countries treat “verified trade” (with a fun expert twist) and a down-to-earth comparison table. You’ll leave knowing not just when PNC’s next earnings drop—but also how to become your own detective whenever big banking news breaks.

Step 1: Find Trustworthy Earnings Calendars

Let's get real: If you just do a generic search—“PNC earnings date”—Google spits up a mix of press releases, blog posts, and what I call questionable aggregation bots. Some seem updated, but clicking through a pile is just asking for trouble. Once I actually trusted a random finance blog, only to find out the date was for last year. That was embarrassing—I’d told a friend the wrong time for a call, and he’s still teasing me.

Here’s how I solved it. The two most reliable sources for U.S. financial earnings, especially for major banks like PNC, are:
1. PNC’s official Investor Relations page
2. PNC's Events & Presentations page
And for a neutral third-party cross-check, I always recommend Nasdaq’s calendar or Yahoo Finance's earnings page. They rarely miss a beat.

Screenshot: What You’ll See on the Official Page

Imagine opening PNC's Events & Presentations page. You’ll see something like:

  • Q2 2024 Earnings Release: July 17, 2024, with webcast at 11:00 am EST.
  • Past earnings video uploads, downloads for slides, plus upcoming event registration.

If you want a snapshot—just zoom in on this section marked “Upcoming Events.” There's always a convenient (and impressively bland) PDF icon for the quarterly slides and a streaming link.

Step 2: Set an Alert (So You Don’t Miss Out… Like I Did)

You know that pang of regret when you realize you missed a real-time earnings call? Been there. When I first started tracking PNC, I failed to set a reminder and by the time I checked, it was just the transcript. Not the same.

There’s a life hack: Most IR pages, including PNC’s, offer email alerts. Here’s what you do:

  1. Go to PNC email alerts.
  2. Enter your info, select "Earnings" and “Events." Agree to their privacy policy (always check this—looking at you, GDPR!).
  3. Wait for a confirmation email and check your spam folder (I missed my first one, thinking it was yet another coupon code).

If you want a more DIY solution and you’re a news hound like me:

  • Use Google Calendar: Copy the event date from the IR site, paste it into your calendar, and throw in the webcast link. Set two reminders—one the day before. Trust me.
  • Try third-party platforms like MarketScreener—but always double-check with the official source.

Step 3: Interpret What’s Coming—Beyond Numbers

Earnings reports are more than headlines like “PNC beats on earnings per share.” The Q&A sessions on webcasts are goldmines. Once, I caught a CFO subtly hinting at regulatory headwinds before analysts picked up the clue. Those nuances can spark moves before the crowd catches on.

Some more nerdy—but super useful—places to check:

  • SEC Filings: Sometimes, a big move is foreshadowed in 10-Q or 8-K filings. If you’re ever in doubt about whether a new product or acquisition will be discussed, check SEC first. (I once spotted a key risk disclosure that never made the earnings headline…)
  • Analyst Forums: Seeking Alpha, stock forums, and even Reddit threads like this one are a good gut-check for retail sentiment.

Step 4: Verified Trade—How Countries Handle “Official News” Differently (with Table!)

Here comes a twist. While U.S. listed companies like PNC are bound to SEC Regulation Fair Disclosure (“Reg FD”)—meaning material news is shared with everyone at the same time—not every country plays by these rules. For example:

Country/Region Verified Trade Standard Name Key Legal Basis Enforcement Agency
United States Regulation FD (Fair Disclosure), SOX SEC Regulation Fair Disclosure, Sarbanes-Oxley Act SEC
European Union MAR (Market Abuse Regulation) EU Regulation 596/2014 National authorities (e.g., BaFin, FCA)
China Information Disclosure Rules CSRC Regulations CSRC
Japan Timely Disclosure Rule JPX Timely Disclosure JPX/TSE

Some countries are stricter than the U.S.—like the EU’s MAR, which doesn’t let insiders or “tippees” trade on a whiff of material info. Others are laxer. Ever met someone who acted on ADR rumors before the official Hong Kong announcement? I sure have.

Case Example: A Cross-Border Dispute in Trade Disclosure

Let’s imagine a real-life scenario: Bank A in Germany announces a merger plan on the Frankfurt Stock Exchange in full MAR-compliant fashion, with simultaneous English and German press releases. But the acquired firm, based in the U.S., delays its 8-K filing with the SEC by three hours due to legal review. U.S. traders complain about an “information lag.” Here’s where national rules collide.

According to the SEC’s official guidelines:

“Material information that is released abroad and can affect U.S. markets should, to the degree practicable, be distributed simultaneously in the U.S.”
But reality? Interpretations vary. As global law firms like White & Case note, “cross-listings require careful choreography to avoid claims of selective disclosure” (White & Case, 2022).

Expert Take

I once asked Dr. L. Healy, an international securities law professor, about these timing mismatches:

“The global synchrony of disclosure isn’t perfect. Market rules are improving, but legal differences mean you should always check both domestic and foreign filings—especially for ADRs, cross-listings, or global banks like PNC.”

Personal Experience: Don’t Trust, Verify

The first time I tracked PNC’s earnings, I relied only on U.S. dates. Turns out, a Eurobank investor buddy got access to a translated guidance update first through his local IR site. That delay cost me a quick gain, and I learned to always double-check for simultaneous releases. Now I skim not just the SEC filings, but the original company sites—plus a quick scan of EU, UK, or Asia listings when relevant.

Conclusion: Stay Sharp, Stay Informed

To answer the headline question: PNC Financial Services Group Inc. will next release earnings on July 17, 2024 (Q2 2024), and this event is best watched via their investor relations page or Nasdaq’s earnings calendar—set an alert, watch the live webcast, and (if you’re really diligent) read both the press release and the detailed 10-Q for key context.

Don’t get caught off guard by differences in how news is released across borders. Use official sources, set digital reminders, double-check international news flows if you’re trading cross-listed stocks—and remember, even expert analysts sometimes miss a buried footnote. Stay curious, compare sources, and never stake your portfolio on a headline alone.

P.S.—If you want a sneak peek of future dates, or run into conflicting schedules, drop into Reddit’s investing board—you’ll find debate and (sometimes) the missing answer. And as always, if in doubt, trust the company’s own filings and webcasts first.

Reference links for deeper reading:

Comment0
Judy
Judy
User·

What You Can Learn Here: Tracking PNC Financial Services Group Inc. Events and Earnings Reports

If you’re holding or watching PNC Financial Services Group Inc. (NYSE: PNC) stock, you probably want to catch every earnings report and major company event—because sometimes, one scheduled announcement can make or break a quarter for investors. In this article, I’ll walk you through exactly how to find the latest on PNC’s upcoming events, what to look for in earnings releases, and even share my own (sometimes embarrassing) trial-and-error experience with tracking financial disclosures. Along the way, I’ll reference actual regulations, provide screenshots, and throw in a real-world scenario or two. As someone who’s spent years following the U.S. banking sector, I know that missing a single date can mess up your trading plan or leave you out of the loop on key strategic moves. Let’s dive in.

How to Find Upcoming Events and Earnings Reports for PNC

Step 1: Go Straight to the Source—PNC’s Investor Relations Page

No matter what anyone tells you, the only truly reliable place for company events and earnings dates is the official PNC Investor Relations (IR) website. I’ve tried aggregators like Yahoo Finance and Nasdaq, and while they’re good for a quick check, they sometimes lag behind or miss last-minute updates. Here’s what the IR page looks like on my screen:

PNC Investor Relations Page Screenshot

On the IR page, look for sections titled “Events & Presentations” or “Earnings Releases.” As of June 2024, PNC clearly posts upcoming earnings calls, transcripts, and slide decks there. If you scroll a bit, you’ll see something like “Upcoming Events,” with the next earnings release date listed—right now, the Q2 2024 earnings release is scheduled for July 17, 2024, with a conference call at 11 a.m. ET. All the dial-in details and webcasts are provided.

Step 2: Double-Check with the SEC Filings Database

Years ago, I missed an important dividend announcement because I relied only on the company’s press releases and didn’t check the SEC’s EDGAR database. U.S. public companies are required by law (see the SEC's Regulation Fair Disclosure) to file earnings reports (10-Qs and 8-Ks) promptly. So, I always cross-check:

SEC EDGAR Filings Screenshot

The EDGAR page lists all of PNC’s regulatory filings. If an upcoming event is major—like an acquisition, new CEO announcement, or special dividend—you’ll find an 8-K filing about it, often before the mainstream news catches on.

Step 3: Set Up Alerts on Financial News Platforms

Honestly, I’m forgetful. I’ve missed live earnings calls more than once because I forgot to set a calendar reminder. These days, I use Yahoo Finance and Seeking Alpha to set up “watchlists” and “event alerts.” For example, on Yahoo Finance, after adding PNC to your portfolio, you’ll see a tab for “Earnings.” Clicking it brings up the next scheduled report. Here’s how it looks:

Yahoo Finance Earnings Calendar Screenshot

Now, I get email reminders before each key event. It’s not perfect—occasionally, there’s a mismatch with the actual date from the IR website, so always cross-reference.

Step 4: Use Calendar Integrations (With a Cautionary Tale)

Last year, I tried integrating the PNC events calendar into my Google Calendar using the “Add to Calendar” function from the IR site. It worked, except one time the time zone was off, and I tuned into the webcast an hour late. Lesson: always check the time zone and, if possible, add a manual reminder for 30 minutes before the event.

Google Calendar Event Screenshot

Case Study: How Different Countries Handle “Verified Trade” and Public Disclosures

Let’s make this more interesting. Suppose you’re managing investments in both the U.S. and the EU, and you want to compare how PNC’s disclosures stack up against, say, Deutsche Bank AG in Germany.

Country Standard/Name Legal Basis Enforcement Body
USA SEC Regulation FD SEC Rule 17 CFR 243 Securities and Exchange Commission (SEC)
EU (Germany) Market Abuse Regulation (MAR) EU Regulation 596/2014 BaFin (Germany), ESMA (EU-wide)
Japan Timely Disclosure Rule JPX Rulebook Japan Exchange Group (JPX)

Each system has its quirks. In the U.S., the SEC’s Regulation Fair Disclosure (FD) demands companies like PNC make material information public at the same time for everyone—no whispering news to select analysts. In the EU, the Market Abuse Regulation (MAR) is even stricter, requiring disclosure of inside information “as soon as possible.” In Japan, the JPX Timely Disclosure Rule is similar but gives companies a bit more flexibility. So, if you’re used to U.S.-style earnings calendars, don’t assume Deutsche Bank or Mitsubishi UFJ will give the same level of advance notice or webcast access.

Expert View: Why Timely Disclosure Matters

I asked a friend who’s a CFA charterholder and works at a major asset management firm, “How do you handle global earnings reports?” She said, “Honestly, we always use the local IR site and verify with the primary regulator’s feed—because aggregators might be late or miss a significant regulatory filing. For U.S. banks like PNC, the SEC’s EDGAR is gold.” Her firm even runs software that scrapes these filings in real-time.

Personal Experience: The Risks of Relying on Third-Party Calendars

A quick confession: I once traded PNC options based on a date from a financial news app, only to realize after the fact that the real earnings call was a day later. The price moved on the actual event, not the date I’d anticipated, and my position suffered. Now, I always check the official IR site and cross-reference with the SEC. If there’s a webcast, I try to listen live and take notes—because sometimes, the Q&A reveals more than the press release.

Conclusion & Next Steps

To sum up, if you want to stay ahead on PNC Financial Services Group Inc. stock events and earnings reports, always start with the official Investor Relations page, cross-verify with the SEC’s EDGAR database, and set up your own reminders. Don’t trust third-party calendars blindly, and be aware of how disclosures differ across countries if you’re investing globally.

For PNC specifically, the next big date is the Q2 2024 earnings release on July 17, 2024. You can find all the details at PNC’s Events & Presentations page.

If you want to dig deeper, read the SEC’s Regulation FD for disclosure rules, or browse PNC’s latest filings. For global comparisons, check out EU’s MAR regulation and Japan’s JPX rules.

My last word: even if you’re just “watching” PNC stock, set up those alerts. It’s better to be five minutes early than one day late—trust me, I’ve learned the hard way.

Comment0