Handicappers' Racing Form
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The Longshot Specialist!
Horseshoe Indianapolis
Monday - October 16, 2023
Simulator Virtual Bets
The betting guide below is intended for casual racing fans
who do not yet have the confidence to override our picks.
★   FOR CASUAL PLAYERS   ★
Wgr Pick Tot Bet Bet  Winning Pay    
Type Numbers Tkts Unit Amt  Numbers Amt Profit ROI
IND-1   WIN (8/7/3/1) 4 $2.00 $8.00 
    EXA (8/7/3/1)-(8/7/3/1) 12 $1.00 $12.00 
    TRI (8/7/3/1)-(8/7/3/1)-(8/7/3/1) 24 $0.50 $12.00 
    DD (8/7/3/1)-(3/2/7) 12 $1.00 $12.00 
    PK3 (8/7/3/1)-(3/2/7)-(6/9/11/2) 48 $0.50 $24.00 
IND-2   WIN (3/2/7) 3 $2.00 $6.00 
    EXA (3/2/7)-(3/2/7) 6 $1.00 $6.00 
    TRI (3/2/7)-(3/2/7)-(3/2/7) 6 $0.50 $3.00 
    DD (3/2/7)-(6/9/11/2) 12 $1.00 $12.00 
    PK3 (3/2/7)-(6/9/11/2)-(6/2/9) 36 $0.50 $18.00 
IND-3   WIN (6/9/11/2) 4 $2.00 $8.00 
    EXA (6/9/11/2)-(6/9/11/2) 12 $1.00 $12.00 
    TRI (6/9/11/2)-(6/9/11/2)-(6/9/11/2) 24 $0.50 $12.00 
    DD (6/9/11/2)-(6/2/9) 12 $1.00 $12.00 
    PK3 (6/9/11/2)-(6/2/9)-(7/13) 24 $0.50 $12.00 
IND-4   WIN (6/2/9) 3 $2.00 $6.00 
    EXA (6/2/9)-(6/2/9) 6 $1.00 $6.00 
    TRI (6/2/9)-(6/2/9)-(6/2/9) 6 $0.50 $3.00 
    DD (6/2/9)-(7/13) 6 $1.00 $6.00 
    PK3 (6/2/9)-(7/13)-(8/10/2/4) 24 $0.50 $12.00 
IND-5   WIN (7/13) 2 $2.00 $4.00 
    EXA (7/13)-(7/13) 2 $1.00 $2.00 
    TRI NO BET 0 $0.50 $0.00 
    DD (7/13)-(8/10/2/4) 8 $1.00 $8.00 
    PK3 (7/13)-(8/10/2/4)-(1/3/2/5) 32 $0.50 $16.00 
IND-6   WIN (8/10/2/4) 4 $2.00 $8.00 
    EXA (8/10/2/4)-(8/10/2/4) 12 $1.00 $12.00 
    TRI (8/10/2/4)-(8/10/2/4)-(8/10/2/4) 24 $0.50 $12.00 
    DD (8/10/2/4)-(1/3/2/5) 16 $1.00 $16.00 
    PK3 (8/10/2/4)-(1/3/2/5)-(7/1/6/5) 64 $0.50 $32.00 
IND-7   WIN (1/3/2/5) 4 $2.00 $8.00 
    EXA (1/3/2/5)-(1/3/2/5) 12 $1.00 $12.00 
    TRI (1/3/2/5)-(1/3/2/5)-(1/3/2/5) 24 $0.50 $12.00 
    DD (1/3/2/5)-(7/1/6/5) 16 $1.00 $16.00 
    PK3 (1/3/2/5)-(7/1/6/5)-(10/3/2) 48 $0.50 $24.00 
IND-8   WIN (7/1/6/5) 4 $2.00 $8.00 
    EXA (7/1/6/5)-(7/1/6/12/5) 16 $1.00 $16.00 
    TRI (7/1/6/5)-(7/1/6/12/5)-(7/1/6/12/5) 48 $0.50 $24.00 
    DD (7/1/6/5)-(10/3/2) 12 $1.00 $12.00 
IND-9   WIN (10/3/2) 3 $2.00 $6.00 
    EXA (10/3/2)-(10/3/8/1/2) 12 $1.00 $12.00 
    TRI (10/3/2)-(10/3/8/1/2)-(10/3/8/1/2) 36 $0.50 $18.00 
Simulator Race Cards
IMPORTANT: Refresh our race cards before every race for possible scratches.
The handicapping guide below is intended for experts
who have the required skill set to override our picks.
★   FOR HANDICAPPERS   ★
 
IND-1   10/16/2023 5280ft DIRT RC5 GOOD Maiden Sp Wt Purse ($36K) 2 F PT- 2:30
Try it:   Click any label below to view the performance of a Thoroughbred on the indicated date.
  Past Performances   M/L W/P B/E F/O
1  EVERLASTING SPIRIT Aug19 Jul21       (silva miguel)PEREZ A 121 3.50 6% 16.80    
  (by MOHAYMEN out of ELLE DEHERE by DEHERE)
2  WHAT ABOUT NOW Sep08 Aug19       (cunningha)BERMUDEZ E 121 5.00    
  (by CONGRATS out of DANCINGONTHEEDGE by THE CLIFF'S EDGE)
3  SOLRUN Sep19 Aug16       (michael brian)PRESCOTT R 118 4.00 18% 4.50    
  (by HOLIDAY PROMISE out of NICE DREAMS by STRONG HOPE)
4  WAR TRINKETS Aug19         (lauer michae)BURGOS ALBERTO 121 20.00    
  (by V. E. DAY out of GLOSSED AND FOUND by LIMEHOUSE)
5  CATRINA PARTNER Sep08         (leonard georg)LEAHEY HANNAH 121 20.00    
  (by DISCO PARTNER out of KRISTEN'S LIMITS by FORESTRY)
6  LADY ARTIST Sep08         (dobbsjr robe)MORALES JOSHUA 121 10.00    
  (by PAYNTER out of LADY TEMPLE by TEMPLE CITY)
7  RUBY GIRL Sep28         (garcia )DE CRUZ 121 3.00 18% 4.50    
  (by BIG TIME PLAYER out of JOLT by SMOKE GLACKEN)
8  THREE COATS         (lauer michael)ELLIOTT JANE 121 4.50 37% 1.70    
  (by PAYNTER out of TRIPLE A by ARCHARCHARCH)
 
IND-2   10/16/2023 3960ft DIRT RC5 GOOD Maiden Sp Wt Purse ($34K) 3UP ALL PT- 3:01
Try it:   Click any label below to view the performance of a Thoroughbred on the indicated date.
  Past Performances   M/L W/P B/E F/O
SCR  LORD FALCON         (arnold ge)HERNANDEZ J 122 4.50    
  (by LORD NELSON out of FALCONRY by UNBRIDLED'S SONG)
2  B ADMAN Sep21 Sep08 Aug10 Jul13   (nance jon)PEDROZA MARCELINO 125 3.00 19% 4.40    
  (by TOP HIT out of SASHA B by IS IT TRUE)
3  OUR MAJESTIC Sep21         (bergin tom)MOJICA O 125 3.50 45% 1.20    
  (by HALF OURS out of GREAT MAJESTIC by MAJESTIC WARRIOR)
4  MINING CAMP Sep21 Aug17 Jul05 Jun18 May21 (slager mike)ORM CORY 125 5.00    
  (by GIO PONTI out of KALUGA by UNCLE MO)
5  EL CUERVO FELIS         (oviedo jose)GOMEZ AGUSTIN 122 10.00    
  (by SHAKIN IT UP out of ATOOF by INVASOR (ARG))
6  FIRE BRYAN Oct06 Sep20 Aug29 Aug16   (patrick ga)MORALES JOSHUA 122 6.00    
  (by CREATIVE CAUSE out of FIRE AND FLAME by HENRYTHENAVIGATOR)
7  KNICKS STORY Oct19 Aug31 Jul22     (colebrook ben)ACHARD ALEX 122 6.00 5% 19.00    
  (by BERNARDINI out of STORY UNTOLD by OLD FASHIONED)
8  SECRET HONOR Sep30 Sep05 Jul30 Jul11   (bahena )DE CRUZ 122 20.00    
  (by CYBER SECRET out of GOLDEN HONOR by MR. PROSPECTOR)
 
IND-3   10/16/2023 5280ft DIRT RC10 GOOD Allowance Purse ($41K) 3UP ALL PT- 3:32
Try it:   Click any label below to view the performance of a Thoroughbred on the indicated date.
  Past Performances   M/L W/P B/E F/O
1  MUSTY RED Sep21 Aug11 Jul18 Jun20 Nov15 (green darlene)LEAHEY HANNAH 122 20.00    
2  KILLER HOTROD Sep21 Aug11 Jul18 Jun10 Jun01 (gorham m)PEREZ E 122 8.00 5% 19.00    
SCR  CADILLAC JUSTICE Oct04 Sep06 Aug29 Aug16 Jul11 (granitz)DE CRUZ 122 5.00    
4  CASPER JUSTICE Sep13 Aug26 Aug11 Jul15 May30 (medina tomas)MORALES EDGAR 122 20.00    
SCR  SCENIC JUSTICE Oct11 Sep21 Sep06 Aug20 Jul13 (granitz a)BERMUDEZ E 119 3.00    
6  KNIGHT'S MOVE Sep26 Sep13 Aug26 Aug11 Jul20 (lyster s)MOJICA O 122 3.50 34% 1.90    
7  LOOKING GOOD LEWIS Sep21 Aug23 Aug02 Jul18 Jun10 (holden j)BURGOS ALBERTO 119 12.00    
SCR  BICKERMENTS Oct02 Sep07 Aug30 Aug22 Jul20 (holden j)MORALES JOSHUA 119 30.00    
9  SECRET'S IMAGE Sep26 Sep12 Aug23 Aug03 Nov17 (brown andy)FRANKLIN MALCOM 119 8.00 23% 3.30    
10  BIG BOY VICK Sep21 Sep11 Aug23     (gonza)ULLOA PATRICIO 122 30.00    
11  FOREVER FRIENDS Oct02 Sep19 Sep07 Jul08 Jun17 (shorter aaron)DIAZ RENE 119 6.00 19% 4.30    
 
IND-4   10/16/2023 3630ft DIRT RC4 GOOD Maiden Claimer ($25K) Purse ($25K) 2 F PT- 4:03
Try it:   Click any label below to view the performance of a Thoroughbred on the indicated date.
  Past Performances   M/L W/P B/E F/O
1  MORNING GORDITA Sep25 Aug19 Jul20 Jul11 Jun15 (gorostieta c)MORALES JOSHUA 121 3.50    
2  BEAUTIFUL SUMMER         (waltz brian)FRANKLIN MALCOM 121 15.00 7% 13.70    
3  HIGH SISU Sep27         (blair jord)MICHEL MICKAELLE 121 10.00    
SCR  GREEN CHILE Sep28 May19 Apr13     (hancock a)DIAZ RENE 121 12.00    
SCR  WISCO DISCO         (mcentee paul)ELLIOTT JANE 121 8.00    
6  RUNTOLIVE Sep25 Sep11       (o'donnell)PEDROZA MARCELINO 121 1.60 61% 0.60    
7  ANGEL ON FIRE Sep25         (hancock jac)BURNHAM MATILDA 114 6.00    
8  PARLAY CHARLIE Aug30 Aug12 Aug01 Jun29   (livers charl)BURGOS ALBERTO 121 20.00    
9  PURR TIGER         (silva miguel)PEREZ A 121 10.00 6% 14.90    
 
IND-5   10/16/2023 5610ft DIRT RC5 GOOD Maiden Sp Wt Purse ($34K) 3UP M/F PT- 4:34
Try it:   Click any label below to view the performance of a Thoroughbred on the indicated date.
  Past Performances   M/L W/P B/E F/O
SCR  JUNGLE CAT Sep07 Jul31 Feb11     (brisset rodolph)ACHARD ALEX 125 12.00    
  (by ANIMAL KINGDOM out of SUTIL by REDATTORE (BRZ))
SCR  CALL ME TONI Jun08 May18 Apr13 Mar09 Feb08 (hughes g)ELLIOTT JANE 122 20.00    
  (by TONALIST out of BROKEN MARRIAGE by BROKEN VOW)
SCR  TIZ ERIN Sep21 Oct04 Sep09     (romans da)HERNANDEZ J 122 15.00    
  (by TIZNOW out of UNKNOWN by UNKNOWN)
SCR  VIDEO PRINCESS Sep26 Aug29 Aug09 May16 Apr27 (brownfield c)RAMOS D 122 20.00    
  (by KANTHAROS out of PRINCESS PHARAOH by PIONEEROF THE NILE)
5  ENGLISHED Sep21 Sep07 Apr15 Feb25   (granitz a)PEDROZA MARCELINO 122 4.50    
  (by ENGLISH CHANNEL out of JOYFUL DREAMS by KITTEN'S JOY)
SCR  MILIEU Sep03 Jul31 Apr27 Mar16 Jan29 (mott william)CENTENO ALEXIS 122 1.80    
  (by EMPIRE MAKER out of SLEW'S QUALITY by ELUSIVE QUALITY)
7  SKYVIEW DRIVE Sep28 May29 Mar26 Feb19 Jan04 (heath des)ESQUIVEL EMMANUEL 122 5.00 41% 1.50    
  (by JUSTIFY out of LA CLOCHE by GHOSTZAPPER)
SCR  NO NO NO NEVER (IRE) May16         (reed er)DE CRUZ 122 20.00    
  (by NO NAY NEVER out of LLEW LAW by VERGLAS (IRE))
SCR  GIRL GOODBYE Sep28         (lobo h)JIMENEZ ALBIN 122 20.00    
  (by STREET SENSE out of UNKNOWN by UNKNOWN)
SCR  KICK A RHYME (IRE) Sep17 Aug17       (maker michae)BURGOS ALBERTO 122 12.00    
  (by UNKNOWN out of ADHWAA by DAAHER)
11  STARLIT SOFI Sep28 Oct29 Oct16 Sep16   (waltz brian)FRANKLIN MALCOM 122 30.00    
  (by OUTWORK out of MISS SOPHIA'S STAR by CONGRATS)
SCR  MS. LILIBET Sep17 Aug29 Jul20 Jun27   (williamson bri)ASHTON GAVIN 122 8.00    
  (by NOBLE MISSION out of LA MALAGUENA by DIABLO)
13  SUPER LUXE Aug29 Aug03 Jul12 Jun15 Apr19 (asmussen s)ASMUSSEN J 122 6.00 18% 4.50    
  (by CANDY RIDE out of CHASE MOTTO by UNBRIDLED'S SONG)
SCR  WARWOMAN Sep13 Oct15 Sep17 Aug06 Jul02 (torres c)RODRIGUEZ A 125 15.00    
  (by MUNNINGS out of LITTLE RIVER by EXCHANGE RATE)
 
IND-6   10/16/2023 3960ft DIRT RC6 GOOD Optional Claiming ($10K) Purse ($20K) 3UP ALL PT- 5:05
Try it:   Click any label below to view the performance of a Thoroughbred on the indicated date.
  Past Performances   M/L W/P B/E F/O
1  TALE OF FAME Sep07 Aug23 Jul13 Aug02 Jun11 (klopp randy)RAMOS D 123 6.00    
2  EL ROSILLO Sep20 Sep07 Aug14 Jul13 Jul06 (elliott mic)BURNHAM MATILDA 116 5.00 9% 10.70    
3  I'M WIDE AWAKE Sep05 Aug10 Jul13 Jun22 May19 (haran joh)PEDROZA MARCELINO 120 15.00    
4  SILVER MOON ROAD Sep20 Sep05 Aug10 Jul11 Jun13 (klopp ran)BERMUDEZ E 123 12.00 5% 19.00    
5  FENESTRA Sep20 Sep05 Aug10 May31 May15 (garcia isr)ANDERSON MCKENNA 123 10.00    
SCR  FLOWERPECKER Sep20 Aug22 Aug10 Jul15 Jun22 (cunningham t)MORALES JOSHUA 120 30.00    
7  TRIKITRAKI Sep20 Sep05 Aug10 Jul19 May31 (davis j)DE CRUZ 123 8.00    
8  OPTIMAL COURAGE Sep20 Sep04 Aug26 Aug02 Jul03 (silva miguel)PEREZ A 125 3.00 44% 1.30    
SCR  DRAGON DREW Sep03 Aug23 Aug02 Jul05 Jun14 (cook brian)HUGHES CARLY 123 15.00    
10  BEVERLY PARK Oct02 Sep18 Sep05 Aug07 Jul31 (ginter raymond)ASHTON GAVIN 125 6.00 24% 3.30    
11  VIOLENT GIGI Sep17 Aug23 Apr19 Mar26 Mar09 (contreras)ESQUIVEL EMMANUEL 123 8.00    
 
IND-7   10/16/2023 5280ft DIRT RC7 GOOD Claiming ($12.5K) Purse ($17K) 3UP M/F PT- 5:36
Try it:   Click any label below to view the performance of a Thoroughbred on the indicated date.
  Past Performances   M/L W/P B/E F/O
1  CLASSY DREAM Aug19 Jul18 Jun21 May18 Nov11 (matthews rand)LEAHEY HANNAH 116 15.00 41% 1.40    
2  CANDY KICK Sep20 Aug03 Dec30 Oct29 Sep30 (mason ingrid)ASHTON GAVIN 122 8.00 15% 5.50    
3  CINDERELLA STORY Sep28 Aug22 Aug05 Jul20 Jun20 (paquett)DE CRUZ 119 15.00 18% 4.70    
4  LA DAME DE FER Jul26 Jun29 Jun10 May26 May12 (james gerald)LEBRON VICTOR 119 30.00    
5  A STAR FOR CORA Sep26 Sep05 Aug09 Jul12 Jul03 (hammond kim)ELLIOTT JANE 122 12.00 5% 19.00    
SCR  SPLIT DECISION Sep28 Aug18 Jul26 Jul06 Jun08 (ewing a)HEARD TYLER 122 20.00    
SCR  MISS BRIGHTSIDE Sep01 Jul12 Jun17 May29 May16 (estvanko ric)RAMOS D 122 4.50    
8  DREAM TRAP Sep26 Sep05 Jul18 Jun15 May12 (cara)PADRON-BARCENAS JAVIER 119 30.00    
SCR  LITTLE GIA Sep05 Aug01 Jun08 Apr09 Mar31 (vaccarezza)ASMUSSEN J 122 3.00    
SCR  HAPPY SAILS Sep20 Aug05 Jul06 Jun20 May31 (martinez a)PEREZ E 122 6.00    
SCR  ULTIMATE MISSION Aug18 Jul11 Dec28 Oct17 Sep22 (west w)PRESCOTT R 122 4.00    
12  MORNING ANGEL Sep28 Aug31 Aug05 Jul06 Jun20 (richardville)CENTENO ALEXIS 122 15.00    
13  KEEN CONTENDER Aug26 Aug01 Jun30 May19 Apr15 (van thom)MORALES EDGAR 122 20.00    
SCR  BICARB BETTY Sep21 Aug17 Aug02 May25 Apr25 (haran john)BURGOS ALBERTO 116 30.00    
 
IND-8   10/16/2023 3960ft DIRT RC4 GOOD Maiden Claimer ($12.5K) Purse ($17K) 3UP ALL PT- 6:07
Try it:   Click any label below to view the performance of a Thoroughbred on the indicated date.
  Past Performances   M/L W/P B/E F/O
1  HAY MOON         (rivelli larry)COHEN DAVID 122 5.00 28% 2.50    
SCR  SOMNUS (GB) Apr23 Mar23       (eggleston tim)MORALES EDGAR 122 12.00    
SCR  BLUES ADMIRAL Sep24 Jul30 Mar04 Feb03   (moquett ronal)CANNON DECLAN 122 5.00    
4  BEAU DAY Jul16 Feb24 Feb03 Oct30 Oct09 (hancock jac)MIRANDA ROGELIO 122 30.00    
5  MUD PUDDLE Oct03 Nov06       (waltz brian)FRANKLIN MALCOM 125 15.00 5% 19.00    
6  WOODYTHEBIDSPOTTER Sep20 Aug10 Jun20 Apr26 Feb18 (garcia ge)PEDROZA MARCELINO 122 4.50 15% 5.70    
7  PRINCE OF PENNIES Sep06 Aug04 Jul13 Jun15 May17 (elliott)DE CRUZ 122 3.50 32% 2.10    
8  INFINITY'S WARRIOR Sep18 May18 May09 May03 Sep20 (hammond k)BERMUDEZ E 119 30.00    
9  TRUE PRODIGY Sep23 Sep08       (klopp randy)RAMOS D 122 8.00    
10  REDHILL Sep06 Aug17 Jul21 Jun15 Mar17 (pittman bon)BURNHAM MATILDA 115 30.00    
11  BOXSTER Sep18 Mar15 Feb20 Jan19 Jan07 (silva)ULLOA PATRICIO 122 30.00    
12  ACTION SEEKER Sep20 Sep06 Aug16 Jul18 Jun24 (paquette raymond )PEREZ E 125 6.00 ★    
 
IND-9   10/16/2023 3960ft DIRT RC4 GOOD Maiden Claimer ($15K) Purse ($18K) 3UP M/F PT- 6:38
Try it:   Click any label below to view the performance of a Thoroughbred on the indicated date.
  Past Performances   M/L W/P B/E F/O
1  NIXA Sep26 Aug11 Jul07 Jun22 Jun01 (granitz a)BERMUDEZ E 122 4.00 ★    
2  BACKWARDS K         (green darlene)BAYS BROOKE 115 20.00 5% 19.00    
3  COLOR ME FAST Sep11 May30 May11     (klopp randy)LEAHEY HANNAH 122 10.00 17% 4.90    
4  DARNELL Sep11 Aug08 Jun21 May30 May11 (haran john)BURGOS ALBERTO 125 6.00    
5  CABIN ABBY Sep25 Aug31 Jun13 May23 May02 (sanchez jime)PEREZ A 125 12.00    
6  NO JOKING MATTER Sep25 Sep11 May31 May02 Feb15 (garcia gena)BURNHAM MATILDA 115 8.00    
7  IMA N H LADY CAT Aug17 Aug01 Jul05 Jun13 May15 (hayes michael )HISBY RONALD 122 30.00    
8  I GOT ANALYZED Sep11 Aug08 Jul20 Jun13   (eggleston tim)PRESCOTT R 122 5.00 ★    
SCR  LEGS FOR DAYS Aug10 Nov17 Oct31 Aug31   (fosdick)DE CRUZ 119 20.00    
10  FIRST ELKTON Jul11 Jun22       (rechy chaz)RAMOS D 122 3.50 53% 0.90    
11  LEA ANN'S PRINCESS Sep27         (mcbride barb)MORALES JOSHUA 122 15.00    
12  KAYS HEAVENLY STAR Sep18 Nov10 Oct19 Oct06   (sanchez emma)FIGUEROA JOVAN 119 20.00    
 
 
  Labels:
  M/L

Morning Line. This is an indirect measure of the Win Probability of this entry as estimated by the Club Handicapper.
  W/P

Win Probability. This is the centerpiece of our technology that separates Thoroughbred Racing Simulator from other selection services. It is the probability that this entry will win the race, as calculated from the outcomes of simulations of the race. Use this to validate and augment your own handicapping.
  B/E

Break-Even Odds. This figure is approximated from the Win Probability. It is the minimum Win odds that should be accepted to make the entry a worthwhile Win bet. Disregard this figure for exotic bets, as the Win Probability in such bets depends on the compounded Win Probabilities of all the entries in the bet.
  F/O

Final Odds. Live track Win odds against which the B/E should eventually be compared to for Win bets.
 
  Two Groups of Contenders:
  Win Contenders
 

The entries in the first group are printed in bold. These are Win contenders and, by extension, also Place/Show contenders.
  Place/Show Contenders
 

The entries in the second group have a star under their (W/P) column. The Simulator estimates that these entries have generally low chances of winning, although some of them might actually be strong Win contenders but are disqualified from the first group because of their low expected Payout-On-Investment (POI). Whichever the case, these are good Place/Show contenders for exotic bets. Also, these entries may be promoted to replace scratched entries in the first group.
 
  Legal:
 

Copyright © 2019 Thoroughbred Racing Simulator LLC. All rights reserved. All information herein is provided for the purpose of entertainment and education. This product is the proprietary property of Thoroughbred Racing Simulator LLC and is licensed to one user. The reproduction, distribution or transfer of this product or the information contained therein is strictly prohibited without the written permission of Thoroughbred Racing Simulator LLC. The data from which this product is derived is generally accurate. However, errors and omissions may occur occasionally as a result of incorrect data received from other parties, mistakes in processing, and other causes. Thoroughbred Racing Simulator LLC disclaims responsibility for the consequences, if any, of such errors. Thoroughbred Racing Simulator LLC makes no warranties, representations or guarantees, expressed or implied, with respect to the results, outcomes or consequences from the use of this product including, but not limited to, any monetary or other losses.