Handicappers' Racing Form

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The Longshot Specialist!

Fair Grounds
Monday - January 20, 2025
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 (6/7/2/3) 4 $2.00 $8.00 
    EXA (6/7/2/3)-(6/7/2/3) 12 $1.00 $12.00 
    TRI (6/7/2/3)-(6/7/2/3)-(6/7/2/3) 24 $0.50 $12.00 
    DD (6/7/2/3)-(3/1/8/10/4) 20 $1.00 $20.00 
    PK3 (6/7/2/3)-(3/1/8/10/4)-(1/3/2) 60 $0.50 $30.00 
FG-2   WIN (3/1/8/10/4) 5 $2.00 $10.00 
    EXA (3/1/8/10/4)-(3/1/8/10/4) 20 $1.00 $20.00 
    TRI (3/1/8/10/4)-(3/1/8/10/4)-(3/1/8/10/4) 60 $0.50 $30.00 
    DD (3/1/8/10/4)-(1/3/2) 15 $1.00 $15.00 
    PK3 (3/1/8/10/4)-(1/3/2)-(5/7/11/10) 60 $0.50 $30.00 
FG-3   WIN (1/3/2) 3 $2.00 $6.00 
    EXA (1/3/2)-(1/5/3/2) 9 $1.00 $9.00 
    TRI (1/3/2)-(1/5/3/2)-(1/5/3/2) 18 $0.50 $9.00 
    DD (1/3/2)-(5/7/11/10) 12 $1.00 $12.00 
    PK3 (1/3/2)-(5/7/11/10)-(5/4/9/8) 48 $0.50 $24.00 
FG-4   WIN (5/7/11/10) 4 $2.00 $8.00 
    EXA (5/7/11/10)-(5/7/11/10/4) 16 $1.00 $16.00 
    TRI (5/7/11/10)-(5/7/11/10/4)-(5/7/11/10/4) 48 $0.50 $24.00 
    DD (5/7/11/10)-(5/4/9/8) 16 $1.00 $16.00 
    PK3 (5/7/11/10)-(5/4/9/8)-(5/11/7/8/6) 80 $0.50 $40.00 
FG-5   WIN (5/4/9/8) 4 $2.00 $8.00 
    EXA (5/4/9/8)-(5/4/9/8) 12 $1.00 $12.00 
    TRI (5/4/9/8)-(5/4/9/8)-(5/4/9/8) 24 $0.50 $12.00 
    DD (5/4/9/8)-(5/11/7/8/6) 20 $1.00 $20.00 
    PK3 (5/4/9/8)-(5/11/7/8/6)-(4/5/3/6) 80 $0.50 $40.00 
FG-6   WIN (5/11/7/8/6) 5 $2.00 $10.00 
    EXA (5/11/7/8/6)-(5/11/7/8/6) 20 $1.00 $20.00 
    TRI (5/11/7/8/6)-(5/11/7/8/6)-(5/11/7/8/6) 60 $0.50 $30.00 
    DD (5/11/7/8/6)-(4/5/3/6) 20 $1.00 $20.00 
    PK3 (5/11/7/8/6)-(4/5/3/6)-(5/10/8/6) 80 $0.50 $40.00 
FG-7   WIN (4/5/3/6) 4 $2.00 $8.00 
    EXA (4/5/3/6)-(4/5/3/6) 12 $1.00 $12.00 
    TRI (4/5/3/6)-(4/5/3/6)-(4/5/3/6) 24 $0.50 $12.00 
    DD (4/5/3/6)-(5/10/8/6) 16 $1.00 $16.00 
    PK3 (4/5/3/6)-(5/10/8/6)-(10/4/1/9/2) 80 $0.50 $40.00 
FG-8   WIN (5/10/8/6) 4 $2.00 $8.00 
    EXA (5/10/8/6)-(5/10/8/6) 12 $1.00 $12.00 
    TRI (5/10/8/6)-(5/10/8/6)-(5/10/8/6) 24 $0.50 $12.00 
    DD (5/10/8/6)-(10/4/1/9/2) 20 $1.00 $20.00 
FG-9   WIN (10/4/1/9/2) 5 $2.00 $10.00 
    EXA (10/4/1/9/2)-(10/4/1/9/2) 20 $1.00 $20.00 
    TRI (10/4/1/9/2)-(10/4/1/9/2)-(10/4/1/9/2) 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   01/20/2025 3960ft DIRT RC7 FAST Claiming ($5K) Purse ($15K) 4UP M/F 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
GOTTEMINABIND Dec14 Nov13 Aug23 May20 Apr27 (larrosa juan )VARGAS P 121 8.00    
ZIPPING MOLLY Jul18 May31 May15 Apr24 Apr05 (bourgeois )MURRILL MITCHELL 121 3.00 9% 10.30    
DAISY DE ORO Jan04 Dec14 Nov29 Aug19 Aug03 (thomas lee)RIQUELME J 121 8.00 9% 10.50    
STORMY VALENTINE Dec27 Nov05 Oct17 Aug23 Jul27 (schwandt e)WELLINGTON KYLIE 116 12.00    
ANN'S STORM Dec12 Nov29 Nov21 Nov08 Aug26 (govea cesar)TORRES A 121 6.00    
ALEXAPLAYBORNTORUN Dec27 Dec05 Sep10 Aug23 Aug10 (thomas lee)GREEN AUBRIE 121 3.50 30% 2.40    
DROP DEAD SEXY Dec27 Dec05 Sep25 Jul09 May10 (wilson)GUERRERO ANDRES 121 5.00 22% 3.50    
OURS AND THEIRS Dec27 Dec05 Sep26 May20 May07 (schmidt deni)MURRAY M 121 4.00    
 
FG-2   01/20/2025 3960ft DIRT RC4 FAST Maiden Claimer ($15K) Purse ($18K) 3 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
MISS LOUISE         (atras rob)GEROUX FLORENT 120 6.00 27% 2.70    
CRUZIN VAN NUYS Dec22 Dec12       (hartman ch)WELLINGTON KYLIE 115 8.00    
SHE'S SINGLE AGAIN Jan01 Dec12 Oct23 Sep21   (hartman chris)MCMAHON J 120 3.50 47% 1.10    
COEUR ROUGE Dec12 Nov23       (wilson)GUERRERO ANDRES 120 15.00 5% 19.00    
PRINCESS KAIULANI Oct23 Sep25       (husak gary )ASTUDILLO FELIX 115 20.00    
SCR  MY BOSSY LADY Jan10 Nov07 Oct19     (sharp joe)ORTIZ L 120 4.00    
BIRTHDAY GIRL Jan01 Aug10       (danner kels)CONCEPCION AXEL 120 6.00    
LITTLE BIT O STORM Dec12 Oct23 Oct06 Sep13 Aug25 (mcpeek ken)HERNANDEZ J 120 4.00 5% 19.00    
GOLDEN BONITA Jan03 Dec12 Nov30 Sep22 Sep01 (guillory j)RIQUELME J 120 8.00    
10  TWENTY FOUR GRAND Jan01 Dec12 Nov23     (zeringue j)JOURNET JARRED 120 20.00 5% 19.00    
 
FG-3   01/20/2025 5610ft DIRT RC10 FAST Allowance Purse ($59K) 4UP 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
ZADORSKY Dec19 Nov03 Aug31 Aug03 Jun28 (beckman whit)ORTIZ L 120 3.00 70% 0.40    
STARINA Dec28 Oct08 Sep20 Aug18 Jul31 (catalano w)LOVEBERRY JARETH 120 10.00 5% 19.00    
TOASTED ROLL Dec08 Nov10 Oct10 Sep14 Aug24 (sharp joe)CONCEPCION AXEL 120 8.00 5% 19.00    
KIKI KRAZY Dec04 Oct26 Sep29 Jul04 Jun22 (tracy tanner)COHEN DAVID 120 8.00    
MIDSUMMER MARCH Dec19 Oct17 Sep20 Sep05 Apr25 (mcpeek ken)HERNANDEZ J 120 5.00    
LOW COUNTRY MAGIC Nov20 Oct23 Sep26 Jul27 Jun15 (correas igna)GEROUX FLORENT 120 3.50    
NO WHAT IFS Nov28 Nov03       (forster g)PEDROZA MARCELINO 120 10.00    
BROUGHTY FERRY Nov13 Sep27 Jul21 Jun12 Apr30 (amoss thomas )MORALES EDGAR 120 4.50    
 
FG-4   01/20/2025 5280ft TURF RC5 GOOD Maiden Sp Wt Purse ($58K) 3 F 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
CAFE CON LECHE         (russell b)HERNANDEZ J 120 10.00    
  (by MUNNINGS out of JAZAALAH by HARD SPUN)
TODA GAGA         (schultz li)ROWLAND MADELINE 120 20.00    
  (by ACCELERATE out of UNKNOWN by UNKNOWN)
PRETTY TAPIT Nov30 Oct10       (asmussen steve)ORTIZ L 120 8.00    
  (by TAPIT out of PRETTY AT WAR by WAR FRONT)
TWIRLING DIXIE Nov30         (devaux cherie)CANNON DECLAN 120 8.00    
  (by TWIRLING CANDY out of RHO CASSIOPEIAE by TIZWAY)
VIVA GLAM Dec16 Nov10       (devaux cheri)GEROUX FLORENT 120 6.00 32% 2.10    
  (by OSCAR PERFORMANCE out of VIVO PER LEI by EMPIRE MAKER)
CONTINUANCE Dec19         (atras rob)BARBOSA JEIRON 120 20.00    
  (by NOT THIS TIME out of BAFFLING by MONTBROOK)
EXCLUSIVE STAR Nov30 Oct24       (kenneally eddie)CURTIS BEN 120 4.00 25% 2.90    
  (by AMERICAN PHAROAH out of IMPERTINENT by DISTORTED HUMOR)
RUNSWEETLY         (delacruz mej)NIEVES EMANUEL 120 15.00    
  (by RUNHAPPY out of PLEASANTLY SWEET by PLEASANT COLONY)
SOLO VINCERE         (morley thoma)TORRES A 120 12.00    
  (by INTO MISCHIEF out of BLAME IT ON ALPHIE by BLAME)
10  MISS DEMANDING Dec13 Oct19 Aug17 Jul13   (flint steve)MCMAHON J 120 8.00 7% 12.40    
  (by CARAVAGGIO out of PINCHBECK by MINESHAFT)
11  REIMAGINE Dec15 Sep08 Aug22 Jul11   (simpson da)MURRILL MITCHELL 120 10.00 13% 6.60    
  (by TOM'S D'ETAT out of HEAVENLY SIS by HARD SPUN)
SCR  SOMETHING STRONGER Dec26 Nov10       (stall m)GRAHAM J 120 3.50    
  (by JUSTIFY out of LORA PADORA by FRANKEL)
13  MASSARAT Dec26 Nov02       (walsh brendan)MORALES EDGAR 120 12.00    
  (by CURLIN out of AYAADY by TAPIT)
SCR  BLACK DOG Dec26 Nov30 Aug31 Jul21 Jun28 (amoss tho)PEDROZA MARCELINO 120 4.00    
  (by QUALITY ROAD out of DECLARATIONWARRIOR by DECLARATION OF WAR)
SCR  AVISO Jan04 Dec16 Oct25     (mcpeek ken)HERNANDEZ J 120 6.00    
  (by HIGHTAIL out of OFF THE ROAD by QUICK ROAD)
SCR  MISS AUTHENTIC Dec29 Nov24       (kenneally eddie)CURTIS BEN 120 6.00    
  (by AUTHENTIC out of VERTICAL VISION by POLLARD'S VISION)
 
FG-5   01/20/2025 3960ft DIRT RC5 FAST Maiden Sp Wt Purse ($58K) 3 ALL PT- 3:45
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
SCR  HARD SPUN TO RUN         (wilson)GUERRERO ANDRES 122 10.00    
  (by HARD SPUN out of SILK ROUTE by EMPIRE MAKER)
RACHAEL'S WAGON Dec26         (mcpeek ken)HERNANDEZ J 122 20.00    
  (by KLIMT out of SPEED WAGON by TOMORROWS CAT)
SCR  BIG VINCE Dec19         (rivelli larry)COHEN DAVID 122 6.00    
  (by CARAVAGGIO out of LITTLE JUDE by DISTORTED HUMOR)
ZARDUN         (cox h)GEROUX FLORENT 122 2.50 27% 2.70    
  (by CITY OF LIGHT out of LAUDATION by CONGRATS)
FURIO Sep12         (sharp joe)ORTIZ L 122 3.00 40% 1.50    
  (by MCKINZIE out of TAKE CHARGE ANGEL by WILL TAKE CHARGE)
SARGENT SULLY         (walden will)CONCEPCION AXEL 122 4.50    
  (by INSTAGRAND out of INDIAN MISS by MI CIELO)
CLEARLY STARDOM Dec19         (wilson shane)BARBOSA JEIRON 122 15.00    
  (by CLEARLY NOW out of MINIT TO STARDOM by STAR GUITAR)
GREAT MOMENT Nov27 Nov01       (foley greg)MORALES EDGAR 122 10.00 5% 19.00    
  (by FLATTER out of JOSAKA by SMART STRIKE)
REDACTED Dec21 Nov30 Nov14     (stewart d)HERNANDEZ J 122 8.00 9% 10.20    
  (by HONOR CODE out of DELICATUS by DISTORTED HUMOR)
 
FG-6   01/20/2025 5610ft TURF RC5 GOOD Maiden Sp Wt Purse ($58K) 3 ALL PT- 4:15
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
NATIVE RUNNER Dec21 Nov30 Oct25     (mcpeek ken)HERNANDEZ J 120 12.00    
  (by LAOBAN out of INTERMITTENT by BERNARDINI)
TEQUILA N' SALT Dec22 Oct27       (mcpeek kennet)CANNON DECLAN 120 20.00    
  (by KITTEN'S JOY out of COCKTAIL HOUR by DYNAFORMER)
STREET MO Nov28 Oct27 Sep28     (desormeaux keith)GRAHAM J 120 20.00    
  (by UNCLE MO out of UNKNOWN by UNKNOWN)
LEBOWSKI Dec22 Nov09 May16     (asmussen st)CONCEPCION AXEL 120 8.00    
  (by CARAVAGGIO out of BECKY'S BEST by ELUSIVE QUALITY)
REAGAN'S WIT Aug18         (devaux cherie)ORTIZ L 120 4.50 27% 2.70    
  (by AUTHENTIC out of DAYIENU by SUNDAY BREAK (JPN))
MARSHAL Oct01 Sep07       (stidham michael)CURTIS BEN 120 15.00 5% 19.00    
  (by JUSTIFY out of DURGA DEVI by GALILEO)
SO SANDY Nov24 Sep14 Aug12     (devaux cheri)TORRES A 120 4.50 13% 6.50    
  (by OMAHA BEACH out of SO FANCY by TAPIT)
DREAM SCHEME Nov28 Oct27 Oct05 Sep06   (walsh bren)LOVEBERRY JARETH 120 6.00 10% 8.90    
  (by QUALITY ROAD out of TWO SUGARS by SCAT DADDY)
EL MUHEET Nov28 Oct12       (walsh brendan)MORALES EDGAR 120 6.00    
  (by WAR FRONT out of MURAFRIF by SEA THE STARS (IRE))
10  LEMON SOHN Dec22 Nov28       (schultz l)HERNANDEZ J 120 15.00    
  (by MENDELSSOHN out of SORRENTINA LEMON by LEMON DROP KID)
11  FOLIGNO Nov22         (cox brad )PEDROZA MARCELINO 120 3.50 22% 3.50    
  (by NYQUIST out of CURUZU by GIANT'S CAUSEWAY)
12  THERMOSCAT Dec26 Nov22       (wilson sha)MURRILL MITCHELL 120 30.00    
  (by STAR GUITAR out of SCAT MOMMY by SCAT DADDY)
SCR  VEKOMA KID Nov23         (black d)GRAHAM J 120 20.00    
  (by VEKOMA out of POINT STREAK by MAJESTIC WARRIOR)
SCR  SCORPIUS Nov22 Oct04       (cox h)GEROUX FLORENT 120 5.00    
  (by INTO MISCHIEF out of BROOCH by HALO)
SCR  PRACTICALLY GIVEN Nov20         (amoss thomas )MORALES EDGAR 120 12.00    
  (by PRACTICAL JOKE out of BANDORA by DIXIELAND BAND)
 
FG-7   01/20/2025 5610ft DIRT RC3 FAST Alw Opt Clm ($100K) Purse ($58K) 3 ALL PT- 4:45
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
CONSECRATED Dec29 Dec06 Nov24 Nov08 Oct16 (mcpeek ken)HERNANDEZ J 119 6.00    
VAMOS CARLITOS Nov22 Nov08 Sep23     (foley greg)ORTIZ L 119 4.00    
AUTHENTIC GALLOP Dec13 Nov03 Oct05 Aug31 Jul20 (amoss thomas )MORALES EDGAR 119 4.50 14% 6.30    
ADMIRAL DENNIS Dec21 Nov07 Sep19     (cox h)GEROUX FLORENT 119 1.80 40% 1.50    
SIGHT Nov28         (stall albe)LOVEBERRY JARETH 119 6.00 22% 3.60    
DEREK'S LAW Nov01 Sep27       (amoss thomas )CANNON DECLAN 119 8.00 5% 19.00    
SOUTH BEND TOM Dec19 Nov20 Nov01     (stall m)GRAHAM J 119 6.00    
 
FG-8   01/20/2025 3630ft TURF RC3 GOOD Alw Opt Clm ($100K) Purse ($59K) 3 F PT- 5:15
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
MY LIL POKER FACE Dec21 Oct26 Jul19 Jul05   (zenon charles)GRAHAM J 119 30.00    
SCR  IN AWE OF JUJU Dec28         (mcpeek ke)HERNANDEZ J 122 8.00    
LADY ORIENT Dec22 Nov30 Nov01 Aug28 Jul13 (amoss thomas )MORALES EDGAR 119 5.00    
NOMORETANLINES Dec21 Nov08 Oct09 Aug31   (brinkman brett)CURTIS BEN 119 20.00    
MRS. MENDELSSOHN Dec22 Nov08 Oct26     (landry r)THORNTON G 119 6.00 35% 1.90    
ANAKARINA Dec22 Nov24 Sep12 Aug04 Jun26 (stewart dallas)ORTIZ L 119 8.00 5% 19.00    
SCR  AFTERNOON DIVA Dec22 Nov24 Oct18 Oct09 Aug17 (gustafson)PEDROZA MARCELINO 119 6.00    
STABLE CURRENCY Dec21 Nov15 Oct18 Sep26 Sep08 (block chris)COHEN DAVID 119 4.50 13% 6.40    
ITWILLBEFUN Dec29 Nov28 Nov13 Oct10 Sep26 (mcpeek ken)HERNANDEZ J 119 6.00    
10  PONDERING Oct05 Aug31 Jul22     (walsh brendan)CANNON DECLAN 119 3.50 19% 4.20    
SCR  HOLLYGROVE Dec07 Nov01 May24     (beckman d )LOVEBERRY JARETH 119 6.00    
 
FG-9   01/20/2025 3960ft DIRT RC5 FAST Maiden Sp Wt Purse ($58K) 3 F PT- 5:45
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
SIERRA NOVEMBER         (sharp joe)HERNANDEZ J 120 4.00 12% 7.50    
  (by GLOBAL CAMPAIGN out of SWAMPOODLE by BROKEN VOW)
CONCH FRIED RICE         (stidham michael)CURTIS BEN 120 10.00 5% 19.00    
  (by AMERICAN PHAROAH out of DOUBLE JACKPOT by BROKEN VOW)
MEZCAL MULE         (devaux cherie)ORTIZ L 120 8.00    
  (by ARMY MULE out of MEZCALITA by PIONEEROF THE NILE)
TROUBLE IN LOVE Dec01         (cox h)GEROUX FLORENT 120 4.00 27% 2.70    
  (by MUNNINGS out of FOOLISH LIVING by MEDAGLIA D'ORO)
WAYZATA Nov30 Oct27       (stewart d)HERNANDEZ J 120 30.00    
  (by MORE THAN READY out of EDEN PRAIRIE by MIZZEN MAST)
SCR  CAN I GET AWITNESS         (delacruz )PEDROZA MARCELINO 120 20.00    
  (by CATHOLIC BOY out of RIZZOLI by VIOLENCE)
DARING MADISON         (bauer philip)TORRES A 120 6.00    
  (by MITOLE out of DARING GREATLY by EVEN THE SCORE)
VELVET DEVIL         (tomlinson m)CONCEPCION AXEL 120 15.00    
  (by KANTHAROS out of TIZLEGAL by TIZNOW)
MANAGE XPECTATIONS Dec19         (walsh brendan)CANNON DECLAN 120 12.00 5% 19.00    
  (by MUNNINGS out of TWO DOZEN ROSES by SUPER SAVER)
10  SYCAMORE SHOALS Dec21 Nov30 Oct24     (walsh brendan)MORALES EDGAR 120 3.00 40% 1.50    
  (by STREET SENSE out of SPACY TRACY by AWESOME AGAIN)
11  SKIBA GIRL         (desormeaux keith)GRAHAM J 120 15.00    
  (by MITOLE out of DANZING CELTIC by DANZIG)
 

 
  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.