Handicappers' Racing Form

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The Longshot Specialist!

Fair Grounds
Saturday - November 25, 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

FG-1   WIN (7/6/1/3) 4 $2.00 $8.00 
    EXA (7/6/1/3)-(7/6/1/3) 12 $1.00 $12.00 
    TRI (7/6/1/3)-(7/6/1/3)-(7/6/1/3) 24 $0.50 $12.00 
    DD (7/6/1/3)-(5/2/8) 12 $1.00 $12.00 
    PK3 (7/6/1/3)-(5/2/8)-(6/3/1) 36 $0.50 $18.00 
FG-2   WIN (5/2/8) 3 $2.00 $6.00 
    EXA (5/2/8)-(5/2/8) 6 $1.00 $6.00 
    TRI (5/2/8)-(5/2/8)-(5/2/8) 6 $0.50 $3.00 
    DD (5/2/8)-(6/3/1) 9 $1.00 $9.00 
    PK3 (5/2/8)-(6/3/1)-(4/6/3/11/2) 45 $0.50 $22.50 
FG-3   WIN (6/3/1) 3 $2.00 $6.00 
    EXA (6/3/1)-(6/3/1) 6 $1.00 $6.00 
    TRI (6/3/1)-(6/3/1)-(6/3/1) 6 $0.50 $3.00 
    DD (6/3/1)-(4/6/3/11/2) 15 $1.00 $15.00 
    PK3 (6/3/1)-(4/6/3/11/2)-(3/6/7/2) 60 $0.50 $30.00 
FG-4   WIN (4/6/3/11/2) 5 $2.00 $10.00 
    EXA (4/6/3/11/2)-(4/6/3/11/2) 20 $1.00 $20.00 
    TRI (4/6/3/11/2)-(4/6/3/11/2)-(4/6/3/11/2) 60 $0.50 $30.00 
    DD (4/6/3/11/2)-(3/6/7/2) 20 $1.00 $20.00 
    PK3 (4/6/3/11/2)-(3/6/7/2)-(3/4/9/7) 80 $0.50 $40.00 
FG-5   WIN (3/6/7/2) 4 $2.00 $8.00 
    EXA (3/6/7/2)-(3/6/7/2) 12 $1.00 $12.00 
    TRI (3/6/7/2)-(3/6/7/2)-(3/6/7/2) 24 $0.50 $12.00 
    DD (3/6/7/2)-(3/4/9/7) 16 $1.00 $16.00 
    PK3 (3/6/7/2)-(3/4/9/7)-(1/4/2/7/5) 80 $0.50 $40.00 
FG-6   WIN (3/4/9/7) 4 $2.00 $8.00 
    EXA (3/4/9/7)-(3/4/9/7) 12 $1.00 $12.00 
    TRI (3/4/9/7)-(3/4/9/7)-(3/4/9/7) 24 $0.50 $12.00 
    DD (3/4/9/7)-(1/4/2/7/5) 20 $1.00 $20.00 
    PK3 (3/4/9/7)-(1/4/2/7/5)-(5/6/8/1/11) 100 $0.50 $50.00 
FG-7   WIN (1/4/2/7/5) 5 $2.00 $10.00 
    EXA (1/4/2/7/5)-(1/4/2/7/5) 20 $1.00 $20.00 
    TRI (1/4/2/7/5)-(1/4/2/7/5)-(1/4/2/7/5) 60 $0.50 $30.00 
    DD (1/4/2/7/5)-(5/6/8/1/11) 25 $1.00 $25.00 
    PK3 (1/4/2/7/5)-(5/6/8/1/11)-(8/2/1/3/7) 125 $0.50 $62.50 
FG-8   WIN (5/6/8/1/11) 5 $2.00 $10.00 
    EXA (5/6/8/1/11)-(5/6/8/1/11) 20 $1.00 $20.00 
    TRI (5/6/8/1/11)-(5/6/8/1/11)-(5/6/8/1/11) 60 $0.50 $30.00 
    DD (5/6/8/1/11)-(8/2/1/3/7) 25 $1.00 $25.00 
FG-9   WIN (8/2/1/3/7) 5 $2.00 $10.00 
    EXA (8/2/1/3/7)-(8/2/1/3/7) 20 $1.00 $20.00 
    TRI (8/2/1/3/7)-(8/2/1/3/7)-(8/2/1/3/7) 60 $0.50 $30.00 

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   ★

 
FG-1   11/25/2023 5280ft DIRT RC7 FAST Claiming ($5K) Purse ($15K) 3UP ALL PT- 1:45
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
AND FIFTY Jul20 Mar18 Feb21 Jan08 Dec09 (david sam)PEDROZA MARCELINO 121 5.00 6% 15.60    
IMINDYCATBIRDSEAT Jun25 Jun04 Apr23 Mar24 Mar02 (tracy tann)LOVEBERRY JARETH 121 6.00    
FREEDOMFI Nov02 Jul06 Jun12 May20 Apr14 (delahoussaye g)GREEN AUBRIE 121 8.00 5% 19.00    
STEAL IT BACK Sep10 Jul30 Jun17 May18 Mar24 (west patric)CARMONA SERAFIN 116 5.00    
NORTHERNREFLECTION Aug21 Jul27 Jun18 May19 May03 (delany sarah)PARKER L 121 4.50    
SENATOR CON Sep10 Jul30 Jul03 May29 May15 (balderas alfon)SUAREZ ANGEL 121 8.00 8% 12.00    
MEDITATE (IRE) Jun12 May27 May08 Feb17 Jan26 (dandridge c)GUTIERREZ REYLU 121 3.50 59% 0.70    
FORT BONZ Aug10 May10 Nov11 Aug19 Jul27 (mojica edith)NIEVES EMANUEL 121 5.00    
 
FG-2   11/25/2023 3960ft DIRT RC7 FAST Claiming ($5K) Purse ($15K) 3UP M/F PT- 2:15
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  JOANIE GAL Aug12 Jun12 May22 Jan25 Dec29 (duhon joseph)NIEVES EMANUEL 121 6.00    
QUINN ELLA Aug20 Jul27 Jun23 Jun10 May29 (govea cesar)GREEN AUBRIE 121 6.00 20% 4.00    
SWEET PERFECTION Aug20 Jun25 Feb12 Jan13 Jul23 (duhon paul)WELLINGTON KYLIE 116 6.00    
AIN'T SHE A PISTOL Oct05 Sep20 Jul05 Jun10 May05 (hernandez ja)BARBOSA CARLOS 116 15.00    
MARY JACK Nov17 Sep11 Aug12 Jul27 Jun29 (jeansonne )LOVEBERRY JARETH 121 3.00 44% 1.30    
PRINCESS STELLA (IRE) Oct10 Sep19 Sep03 Aug23 Jul26 (rodriguez edu)HERNANDEZ K 121 5.00    
TAYLOR'S SECRET Aug12 Jul06 Jun11 Mar12 Feb11 (gelner jayd)GUTIERREZ REYLU 121 4.00    
GOLDEN SUN DROPS Oct12 Jun14 May02 Mar26 Feb28 (vitali j)MURRAY M 121 4.50 8% 12.10    
 
FG-3   11/25/2023 3960ft DIRT RC3 FAST Alw Opt Clm ($20K) Purse ($54K) 3UP M/F PT- 2:45
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
COUNTRY LADY Sep10 Aug04 Jun01 May11 Apr13 (thomas lee)SUAREZ ANGEL 118 8.00 5% 18.30    
SCR  MISS JANA Nov04 Aug29 Jul29 Jul01 May18 (gibson jo)PEDROZA MARCELINO 120 3.50    
LAKE MARIE Sep10 Aug05 May08 Mar01 Jan16 (munoz yovani)HERNANDEZ K 120 3.00 30% 2.40    
CANADA'S CUSTOMS Oct05 Aug22 Jul27 May08 Mar31 (asmussen ste)TORRES A 120 4.50    
SIENNA BREEZE Aug04 Jun10 May13 Apr27 Apr19 (rosier charles)CURTIS BEN 120 6.00    
GALAXY THIRTYSIX Jun10 May13 Apr19 Mar26 Mar04 (ney john)MURRAY M 120 4.00 37% 1.70    
DROP DEAD SEXY Sep10 Jul24 Jun17 May08 Mar26 (wilson)GUERRERO ANDRES 120 6.00    
 
FG-4   11/25/2023 5610ft TURF RC5 FIRM Maiden Sp Wt Purse ($52K) 2 ALL PT- 3:15
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
HIGH ENOUGH Oct29 Oct01       (desormeaux ke)COHEN DAVID 120 30.00    
  (by HIGHTAIL out of LUMINOSO by QUALITY ROAD)
MAX IS G MONEY Oct21 Sep12 Aug12 Jul28 Jul04 (wilson)GUERRERO ANDRES 120 15.00 7% 13.20    
  (by FROSTED out of CHEETAH by FRANKEL)
ZVEREV Oct12 Sep02       (devaux cherie)MCMAHON J 120 4.00 10% 8.80    
  (by OSCAR PERFORMANCE out of BALANCE by THUNDER GULCH)
INTERLUDE Sep08 Aug03       (roussel)RODRIGUEZ LUIS 120 8.00 28% 2.60    
  (by MENDELSSOHN out of INTERRUPTED by BROKEN VOW)
LUKE Oct29         (hartman chris)GRAHAM J 120 12.00    
  (by UNION RAGS out of WELL HEELED LADY by BROAD BRUSH)
MILL STREET Oct12 Sep02       (stidham michael)CURTIS BEN 120 6.00 20% 4.00    
  (by MEDAGLIA D'ORO out of SARA STREET by STREET SENSE)
ST. ARMANDS KEY Oct12 Sep07       (sharp joe)TORRES A 120 5.00    
  (by LOST TREASURE out of HENNY'S HURRICANE by HENNY HUGHES)
LE GRIS Sep15 Aug05       (stall m)LANERIE J 120 10.00    
  (by CITY OF LIGHT out of CHICA BOOM CHIC by TAPIT)
EMPIRE'S CLASSIC Oct29         (calhoun wil)GUTIERREZ REYLU 120 20.00    
  (by CLASSIC EMPIRE out of PRINCESS ROI by ROI CHARMANT)
10  SIR EXTON Oct26         (stidham michael)PARKER L 120 20.00    
  (by BERNARDINI out of SOMETHINABOUTBETTY by FORESTRY)
11  LUCKY ROMANCE Oct24 Aug27 Aug20     (block chri)LOVEBERRY JARETH 120 6.00 8% 11.50    
  (by LOOKIN AT LUCKY out of SPARKLINGROMANCE by SCAT DADDY)
SCR  AGAPEE MOU Oct12 Aug05       (correas i)PEDROZA MARCELINO 120 20.00    
  (by CUPID out of UNKNOWN by UNKNOWN)
13  EL ALACRAN Sep03 Aug04       (camejo m)NAVAS YOEL 115 12.00    
  (by FAST ANNA out of DOOWOP SHEDOO by SCAT DADDY)
14  DOUBLE NEAT         (walsh brendan )SUAREZ ANGEL 120 10.00    
  (by OSCAR PERFORMANCE out of COCKTAIL HOUR by DYNAFORMER)
SCR  BRITISH SEA Nov04 Sep09 Jul14     (maker j)PARKER L 120 8.00    
  (by ENGLISH CHANNEL out of PRINCESS ERINDELLE by DIVINE PARK)
16  OCEAN VICTORY         (walsh brenda)TORRES A 120 8.00    
  (by ASTERN out of FORTRESS by RAHY)
 
FG-5   11/25/2023 3630ft DIRT RC5 FAST Maiden Sp Wt Purse ($52K) 3UP M/F PT- 3:44
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
ADIAMONDINTHESTORM Jul10 Jul01       (dandridge cour)GREEN AUBRIE 122 8.00    
  (by GEMOLOGIST out of MAHOGANY STORM by FORESTRY)
EVERYLITTLESINGH Jun04 May14 Mar24 Mar09   (singh s)SINGH R 122 8.00 5% 19.00    
  (by COUNTRY DAY out of PEAKABOO BRIDE by LANGFUHR)
MADAM BLUE Sep04 Jul02       (rivelli la)LOVEBERRY JARETH 122 3.00 40% 1.50    
  (by HALF OURS out of MAGIC MADAM by YOU AND I)
HIGHLANDER'S EDGE Nov01 Jun25       (gelner j)PARKER L 122 6.00    
  (by COMPETITIVE EDGE out of GATEWAY TO GOLD by ARCH)
CUSTOM COMEDY Mar25         (terre d)RODRIGUEZ LUIS 122 5.00    
  (by CUSTOM FOR CARLOS out of CAMERA READY by DISTORTED HUMOR)
SWEET DARLIN         (calhoun wil)GUTIERREZ REYLU 122 4.00 21% 3.70    
  (by CAN THE MAN out of SPEIGHTS' COLONY by SPEIGHTSTOWN)
BROADWAY STAR Aug03         (cuccia j)MURRAY M 122 8.00 14% 6.00    
  (by STAR GUITAR out of CLOSING REPORT by CLOSING ARGUMENT)
JUS PRESS STAR         (asmussen ste)TORRES A 122 4.50    
  (by STAR GUITAR out of GIMME YO NUMBER by YONAGUSKA)
 
FG-6   11/25/2023 5610ft TURF RC3 FIRM Alw Opt Clm ($100K) Purse ($51K) 2 ALL PT- 4:13
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
ELEVATED GAME Sep30 Aug27       (lopez elias)SUAREZ ANGEL 117 15.00    
SCR  MIGHTY KAI Oct03 Sep08 Jul31     (maker michae)TORRES A 117 8.00    
BECAUSE THE NIGHT Sep09 Jul03       (cox brad )PEDROZA MARCELINO 117 3.00 32% 2.10    
BOURBON LIFE Sep05         (walsh bren)LOVEBERRY JARETH 117 8.00 21% 3.70    
SCR  CANDY CORN Oct23 Sep07 Jul27     (stidham mic)GUTIERREZ REYLU 117 8.00    
DUMBSTRUCK Sep30 Aug21 Jul04     (wilson)GUERRERO ANDRES 117 20.00    
BENVOLIO Oct24 Aug28       (cox h)GRAHAM J 117 4.50 8% 12.30    
CARD TRICK Sep06 Jul21 Jun01     (asmussen steven )PARKER L 117 8.00    
NEAT Oct21 Sep07       (atras rob)LANERIE J 117 6.00 19% 4.40    
10  MASTEROFHISCRAFT Oct28 Sep22 Sep01 Aug03   (stidham michael)CURTIS BEN 117 8.00    
 
FG-7   11/25/2023 3960ft DIRT RC5 FAST Maiden Sp Wt Purse ($52K) 2 F PT- 4:43
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
CANDY LOVER Nov02 Oct05 Aug20 Jul23 Jun23 (devaux che)LOVEBERRY JARETH 120 3.00 29% 2.40    
  (by TWIRLING CANDY out of TAURASI by MINESHAFT)
BRUNCH PUNCH Aug19         (cox h)GRAHAM J 120 6.00 22% 3.50    
  (by CONSTITUTION out of COSMIC BURST by VIOLENCE)
GREYHOUND STATION         (stall alb)PEDROZA MARCELINO 120 8.00    
  (by GOLDENCENTS out of SOMEWHERE by QUALITY ROAD)
BERLAINE Oct06         (cox h)LANERIE J 120 4.00 25% 3.00    
  (by CONGRATS out of CASH RETURN by CASH DEPOSIT)
A LIL PSYCHOTIC         (sanchez c)MCMAHON J 120 15.00 5% 19.00    
  (by PALACE MALICE out of DREAMBOAT ANNIE by FREUD)
AZTEC EMPRESS Nov05         (mcpeek kenneth )COHEN DAVID 120 10.00    
  (by SHARP AZTECA out of ADELE DAZEEM by UNBRIDLED'S SONG)
HUB CITY         (walsh brend)GUTIERREZ REYLU 120 6.00 5% 19.00    
  (by SPEIGHTSTOWN out of KEIRA by UNUSUAL HEAT)
BEELIEVE HER         (hartman chris)PARKER L 120 10.00    
  (by BEE JERSEY out of AARONESS by AARON'S CONCORDE)
FLATHEAD FINALE         (tracy tanner)SUAREZ ANGEL 120 8.00    
  (by MASTERY out of GOLDEN FINALE by ARCH)
10  CHICA ARMA Aug19         (asmussen ste)TORRES A 120 12.00    
  (by GUN RUNNER out of VICKIE WINS by UNBRIDLED'S SONG)
 
FG-8   11/25/2023 3630ft TURF RC11 FIRM Pan Zareta Purse ($100K) 3UP M/F PT- 5:13
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
CHARLIE T Jun22 Apr21 Mar26 Mar11 Feb11 (thomas lee)MCMAHON J 118 8.00 5% 17.30    
  (by MY PAL CHARLIE out of THAT REAL WORLD by ROGER THAT (GB))
SCR  TRAIN TO ARTEMUS Oct15 Sep09 Aug25 Aug06 Jul22 (ennis john)CORRALES GERARDO 124 3.00    
  (by TAPIZAR out of PAY DAY KITTEN by KITTEN'S JOY)
TWICE AS SWEET Sep23 Jul16 Jun14 Apr01 Feb04 (walsh bren)LOVEBERRY JARETH 116 15.00    
  (by UNKNOWN out of SNOWBELL by SNOW CHIEF)
STILL MY BABE Aug19 Jul16 Jun10 May19 Nov26 (walsh brendan )SUAREZ ANGEL 118 20.00    
  (by BERNARDINI out of HUMOROUS MISS by DISTORTED HUMOR)
CARIMBA Oct22 Sep24 Jul05 Apr27   (hernandez)PEDROZA MARCELINO 118 3.50 55% 0.80    
  (by KANTHAROS out of STAR OF GALLANTRY by WARRIOR'S REWARD)
MEDALLA MATCH Oct12 Sep24 Aug25 Jun21 May29 (biehler michael )PARKER L 124 6.00 9% 10.50    
  (by SUMMER FRONT out of CHANNEL OF GOLD by BERNARDINI)
KERRY Nov05 Oct12 Sep17 Aug27 Jul29 (sharp joe)LANERIE J 116 15.00    
  (by PRACTICAL JOKE out of CUCCIDATI by STREET CRY (IRE))
GOIN' GOOD Oct22 Sep24 Aug05 Jul07 Jun09 (cox h)GRAHAM J 118 4.00 6% 16.10    
  (by CONGRATS out of GOOD DEED by BROKEN VOW)
REDIFINED Nov03 Aug12 Jun03 Mar29 Nov05 (lovell miche)TORRES A 118 8.00    
  (by MORE THAN READY out of MRS. BOSS by WILD EVENT)
10  GRANATO Oct11 May16       (beckman whitwo)CURTIS BEN 116 20.00    
  (by NYQUIST out of TAMARACK GAL by DISCREET CAT)
11  KELA'S TURN Nov01 Oct12 Sep03 Aug11 Jul21 (guillor)RODRIGUEZ LUIS 118 50.00 5% 19.00    
  (by KELA out of LAUREN'S TURN by LION HEART)
 
FG-9   11/25/2023 3960ft DIRT RC5 FAST Maiden Sp Wt Purse ($52K) 2 ALL PT- 5:43
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
FREDDIE BY A NOSE         (rivelli larry)CURTIS BEN 120 6.00 7% 14.30    
  (by STAR GUITAR out of MAGGIES RANSOM by THUNDER GULCH)
TAKE CHARGE J J Oct13 Sep17 Aug19     (calhoun wil)GUTIERREZ REYLU 120 4.00 22% 3.60    
  (by TAKE CHARGE INDY out of ALL WOMAN by HALF OURS)
BONS TEMPS ROULE         (roussel)RODRIGUEZ LUIS 120 6.00 7% 14.30    
  (by CLEARLY NOW out of SUPREME BEAN by SUPER SAVER)
SKINNY BOBBY Oct06 Aug13 Jul23     (scherer gary)MURRAY M 120 10.00    
  (by CUSTOM FOR CARLOS out of REIGNING CATS by TALE OF THE CAT)
NOPENOTTONIGHT         (calhoun william)MCMAHON J 120 8.00    
  (by UNIFIED out of GYPSY PRINCESS by UNBRIDLED'S SONG)
CAT COUNTY         (david sam)PEDROZA MARCELINO 120 8.00    
  (by PEPPERED CAT out of CHRISTIAN COUNTY by ARCHARCHARCH)
TEMPLE OF PEACE         (ducoing sturge)GREEN AUBRIE 120 12.00 5% 19.00    
  (by TEMPLE CITY out of SEASONED by PULPIT)
SONOFASHIP Sep01 Jul08 Jun01 May03 Apr13 (maker j)GRAHAM J 120 3.00 45% 1.20    
  (by MIDSHIPMAN out of CINDY SAYS by ELUSIVE QUALITY)
COAL COAL BEER         (zeringue w )CARMONA SERAFIN 115 15.00    
  (by COAL FRONT out of CREMA D'ORO by MEDAGLIA D'ORO)
10  PUPPETEER (GB) Oct20 Jul20       (castille carrol)MELANCON G 120 20.00    
  (by ONE LINER out of PULPIT'S REVENGE by PULPIT)
11  RAZOR CREST         (david b)TORRES A 120 12.00    
  (by CUSTOM FOR CARLOS out of CHIRIMOYA by COBRA KING)
 

 
  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.