Handicappers' Racing Form

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The Longshot Specialist!

Turfway Park
Saturday - March 15, 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

TP-1   WIN (7/1/5/3) 4 $2.00 $8.00 
    EXA (7/1/5/3)-(7/1/5/3) 12 $1.00 $12.00 
    TRI (7/1/5/3)-(7/1/5/3)-(7/1/5/3) 24 $0.50 $12.00 
    DD (7/1/5/3)-(5/4/6) 12 $1.00 $12.00 
    PK3 (7/1/5/3)-(5/4/6)-(2/6/1) 36 $0.50 $18.00 
TP-2   WIN (5/4/6) 3 $2.00 $6.00 
    EXA (5/4/6)-(5/4/6) 6 $1.00 $6.00 
    TRI (5/4/6)-(5/4/6)-(5/4/6) 6 $0.50 $3.00 
    DD (5/4/6)-(2/6/1) 9 $1.00 $9.00 
    PK3 (5/4/6)-(2/6/1)-(3/2/9/7) 36 $0.50 $18.00 
TP-3   WIN (2/6/1) 3 $2.00 $6.00 
    EXA (2/6/1)-(2/6/1) 6 $1.00 $6.00 
    TRI (2/6/1)-(2/6/1)-(2/6/1) 6 $0.50 $3.00 
    DD (2/6/1)-(3/2/9/7) 12 $1.00 $12.00 
    PK3 (2/6/1)-(3/2/9/7)-(4/7/9/5) 48 $0.50 $24.00 
TP-4   WIN (3/2/9/7) 4 $2.00 $8.00 
    EXA (3/2/9/7)-(3/2/9/7) 12 $1.00 $12.00 
    TRI (3/2/9/7)-(3/2/9/7)-(3/2/9/7) 24 $0.50 $12.00 
    DD (3/2/9/7)-(4/7/9/5) 16 $1.00 $16.00 
    PK3 (3/2/9/7)-(4/7/9/5)-(9/7/10/3/2) 80 $0.50 $40.00 
TP-5   WIN (4/7/9/5) 4 $2.00 $8.00 
    EXA (4/7/9/5)-(4/7/8/9/5) 16 $1.00 $16.00 
    TRI (4/7/9/5)-(4/7/8/9/5)-(4/7/8/9/5) 48 $0.50 $24.00 
    DD (4/7/9/5)-(9/7/10/3/2) 20 $1.00 $20.00 
    PK3 (4/7/9/5)-(9/7/10/3/2)-(6/1/9/7/2) 100 $0.50 $50.00 
TP-6   WIN (9/7/10/3/2) 5 $2.00 $10.00 
    EXA (9/7/10/3/2)-(9/7/10/3/2) 20 $1.00 $20.00 
    TRI (9/7/10/3/2)-(9/7/10/3/2)-(9/7/10/3/2) 60 $0.50 $30.00 
    DD (9/7/10/3/2)-(6/1/9/7/2) 25 $1.00 $25.00 
    PK3 (9/7/10/3/2)-(6/1/9/7/2)-(2/1/4) 75 $0.50 $37.50 
TP-7   WIN (6/1/9/7/2) 5 $2.00 $10.00 
    EXA (6/1/9/7/2)-(6/1/9/7/2) 20 $1.00 $20.00 
    TRI (6/1/9/7/2)-(6/1/9/7/2)-(6/1/9/7/2) 60 $0.50 $30.00 
    DD (6/1/9/7/2)-(2/1/4) 15 $1.00 $15.00 
    PK3 (6/1/9/7/2)-(2/1/4)-(1/8/12/5) 60 $0.50 $30.00 
TP-8   WIN (2/1/4) 3 $2.00 $6.00 
    EXA (2/1/4)-(2/1/4) 6 $1.00 $6.00 
    TRI (2/1/4)-(2/1/4)-(2/1/4) 6 $0.50 $3.00 
    DD (2/1/4)-(1/8/12/5) 12 $1.00 $12.00 
    PK3 (2/1/4)-(1/8/12/5)-(4/9/7) 36 $0.50 $18.00 
TP-9   WIN (1/8/12/5) 4 $2.00 $8.00 
    EXA (1/8/12/5)-(1/8/12/5) 12 $1.00 $12.00 
    TRI (1/8/12/5)-(1/8/12/5)-(1/8/12/5) 24 $0.50 $12.00 
    DD (1/8/12/5)-(4/9/7) 12 $1.00 $12.00 
TP-10   WIN (4/9/7) 3 $2.00 $6.00 
    EXA (4/9/7)-(4/9/7) 6 $1.00 $6.00 
    TRI (4/9/7)-(4/9/7)-(4/9/7) 6 $0.50 $3.00 

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   ★

 
TP-1   03/15/2025 3960ft DIRT RC7 FAST Claiming ($5K) Purse ($16.5K) 4UP M/F PT- 5:55
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
INNER BEAUTY (IRE) Jan30 Jan16 Nov15 Oct14 Aug23 (morey willia)RAMOS D 120 3.00 12% 7.40    
A REAL HERO Dec08 Oct31 Oct05 Sep08 Aug15 (watkins j)BENDEZU ALEXANDER 120 15.00    
LUCKY PHOENIX Feb28 Jan27 Jan01 Aug08 Jul18 (paye jose)FLACO ARCELIO 120 15.00 5% 19.00    
SASSY AND BOLD Feb23 Jan15 Oct10 Sep19 Aug30 (knippenberg )MONCADA IRVING 118 1.80    
GUNGAGUNGAGALUNGA Feb05 Mar16 Feb16 May07 Apr22 (moge)PADRON-BARCENAS JAVIER 120 4.50 11% 8.00    
SCR  CLEOMENES Feb23 Dec27 Dec07 Nov17 Oct24 (esquive)DE CRUZ 120 15.00    
TRES FRANCAIS Feb27 Jan26 Dec06 Oct12 Aug15 (hancock a)MACHADO LUAN 123 5.00 38% 1.60    
LOVIN MAKES CENTS Feb27 Jan18 Dec28 Nov29 Nov16 (esquivel jes)BARBOSA CARLOS 120 6.00    
 
TP-2   03/15/2025 5610ft DIRT RC7 FAST Claiming ($16K) Purse ($30.9K) 4UP ALL PT- 6:25
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
RIVER REDEMPTION Jan18 Oct13 Oct03 Sep15 Aug15 (young terr)VILLARREAL OSCAR 116 10.00    
DAY TRIPPER Jan29 Dec28 Dec06 Nov17 Oct27 (estvanko richa)DOYLE SOPHIE 121 10.00    
SCR  HAPPY RUNNER Dec20 Nov03 Oct12 Sep15 Aug17 (vanden britt)EMIGH A 121 3.00    
CATEGORY TEN Feb21 Dec13 Nov20 Oct19 Oct06 (cook b)MONCADA IRVING 116 3.50 29% 2.50    
KENTUCKY GHOST Feb15 Jan30 Jan03 Dec18 Nov16 (esquivel jes)RAMOS D 121 2.50 37% 1.70    
NIKOLAOU Feb28 Feb01 Dec02 Oct28 Oct08 (dixon jr)CEDILLO ABEL 121 12.00 8% 12.20    
DEL RAYO Feb26 Feb01 Jan03 Dec06 Nov07 (contreras cipr)SANJUR SANTO 121 12.00    
SCR  FRANZ JOSEF Feb28 Feb12 Jan25 Sep01 Jul24 (wismer )DE CRUZ 121 5.00    
 
TP-3   03/15/2025 5280ft DIRT RC7 FAST Claiming ($50K) Purse ($35K) 3UP ALL PT- 6:55
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
OCEAN VICTORY Feb08 Jan26 Dec21 Oct09 Mar24 (corrigan )CORREA L 125 6.00 5% 19.00    
LAUGH A LOT Dec26 Aug19 Jun07 Sep14 Aug05 (drury thomas)MONCADA IRVING 120 4.50 36% 1.70    
SCR  COWBOY JUSTICE (GB) Nov29 Nov14 Nov01 Oct24 Oct05 (murphy conor)CANNON DECLAN 125 3.50    
KING CURLIN Nov29 Sep07 Aug04 May18 Apr20 (vanden britt)EMIGH A 125 4.00    
SUMMER IN ADRIANE Feb08 Jan18 Dec14 Nov21 Oct18 (maker michael )MACHADO LUAN 125 2.50    
VERBAL Feb12 Apr14 Mar16 Jan06 Dec07 (walsh bren)CORRALES GERARDO 125 3.00 20% 3.90    
 
TP-4   03/15/2025 4290ft DIRT RC7 FAST Claiming ($15K) Purse ($27.8K) 3 ALL PT- 7:25
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  BAYTOWN BARACUS Feb21 Dec28 Dec06 Oct23 Oct06 (mcentee paul)SERPA ANGEL 120 5.00    
SMOOTH N SILKY Feb06 Dec19 Oct22 Sep18 Sep01 (mak)HERNANDEZ MANUEL 119 6.00 17% 4.70    
ALTOBELLI Mar07 Feb14 Dec18 Nov13 Oct30 (ennis john)BESCHIZZA ADAM 120 2.50 54% 0.80    
RIGHT ON RIGHT ON Feb21 Jan25 Dec19 Oct28   (davis j)DE CRUZ 120 20.00    
SCR  PROBALE TEN Feb28 Feb06 Dec27 Dec14 Nov20 (chapman james )ROMAN A 120 12.00    
AMERICAN CITY Jan31 Jan09 Dec19 Oct31 Sep04 (desormeaux ke)LANERIE J 120 10.00    
MIGHTY MO Feb06 Jan25 Oct22 Sep11 Aug15 (evans michael )SANJUR SANTO 120 15.00 5% 19.00    
ROBERT'S MOON Feb26 Jan03 Nov26 Oct19 Sep23 (vanden britt)EMIGH A 120 12.00    
GOODMENARESCARCE Feb06 Jan25 Dec28 Oct23 Sep23 (corrigan )CORREA L 120 8.00 5% 19.00    
10  CHARBONNAY Feb08 Jan25 Nov07 Oct22 Aug11 (ennis john)MACHADO LUAN 122 3.00    
 
TP-5   03/15/2025 5280ft DIRT RC4 FAST Maiden Claimer ($15K) Purse ($24.7K) 3UP ALL PT- 7:55
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  HIGH FIVE SY Feb05 Jan03 Dec12 Sep15 Aug29 (wismer glenn)MONCADA IRVING 121 3.50    
SCR  SCHIEHALLION Jan25 Dec21 Mar27     (howell jes)VILLARREAL OSCAR 121 30.00    
MORE HOT SAUCE Feb28 Jan16 Sep26 Aug15 Jul24 (bush geor)BENDEZU ALEXANDER 126 30.00    
MOHTAFIL Feb05 Dec07 Oct30 Mar16   (mck)HERNANDEZ MANUEL 126 3.00 56% 0.80    
TRAP LINE Jan23 Nov06 Sep20 Aug26 Mar07 (fernandez e)LAGUNES GABRIEL 126 15.00 5% 19.00    
Q B NINE Feb05         (danner kelse)RAMOS D 126 8.00    
WARHEADED Feb06 Jan03       (kenneally eddi)MACHADO LUAN 126 4.50 17% 4.80    
MOVING TO KENTUCKY Feb05 Jan16 Dec27 Oct06 Sep18 (davis christop)CEDILLO ABEL 126 5.00    
KISTLER Feb05 Jan16 Oct25 Sep28 Sep04 (king l)ROCCO S 126 12.00 5% 19.00    
10  CHACHACHING Feb28 Feb13 Jan23 Dec21 Dec05 (williams)RODRIGUEZ A 126 12.00    
11  SPOONIE Feb28 Feb13 Jan25 Dec27 Jun20 (asmussen ste)CONTRERAS LUIS 126 10.00    
 
TP-6   03/15/2025 3960ft DIRT RC11 FAST Queen Purse ($125K) 4UP M/F PT- 8:25
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
ALWAYS WANTING Feb14 Jan29 Jan01 Dec04 Jun19 (elliott)DE CRUZ 120 30.00    
  (by ALWAYS DREAMING out of PEACE OPPORTUNITY by POINT OF ENTRY)
SICKLE DANCE Mar01 Feb12 Jan15 Dec05 Oct09 (danner kelse)MONCADA IRVING 120 10.00 5% 19.00    
  (by BEE JERSEY out of DANCE SECRETARY by DANEHILL DANCER (IRE))
CLOUDWALKER Nov30 Oct04 Sep13 Jul12 Jun15 (walsh bren)CORRALES GERARDO 120 8.00 5% 19.00    
  (by MORE THAN READY out of TALE OF CLASS by TALE OF EKATI)
GET TWISTED Jan29 Jan02 Nov10 Oct20 Aug04 (navarrete anna)SANJUR SANTO 120 15.00    
  (by GET STORMY out of BIRD SWING by BIRDSTONE)
THESE APPLES Feb14 Jan02 Dec18 Nov21 Oct10 (foster eric)ACHARD ALEX 120 20.00    
  (by TAPWRIT out of DIVINE TRICK by DIVINE PARK)
GIRL OF MY DREAMS Feb28 Jan30 Jan02 Nov22 Oct30 (meah anna)ROMAN CONSTANTINO 122 5.00    
  (by KANTHAROS out of NAPLES DREAM by UNCLE MO)
LITHE SPIRIT Jan25 Dec21 Oct29 Oct09 Aug07 (asmussen ste)RAMOS D 124 3.00 15% 5.60    
  (by SPEIGHTSTOWN out of SPOOKY WOODS by GHOSTZAPPER)
MOONLIT LADY Feb01 Dec28 Nov30 Oct30 Oct04 (maker michael )MACHADO LUAN 120 8.00    
  (by MALIBU MOON out of DIPLOMAT LADY by FORESTRY)
NICE AS PIE Mar01 Feb12 Jan25 Dec14 Oct25 (danner kelse)BESCHIZZA ADAM 120 3.50 57% 0.70    
  (by TAPITURE out of HOW NICE by TALINUM)
10  AWESOME TREAT Jan25 Dec14 Nov09 Oct13 Aug31 (wojczynski jus)DOYLE SOPHIE 120 4.50 5% 18.90    
  (by AWESOME PATRIOT out of TIZ A TREAT by TIZ WONDERFUL)
11  HIGH FASHION KATE Feb13 Dec18 Nov22 Sep20 Aug19 (salas marcel)BURGOS ALBERTO 120 30.00    
  (by DEMARCHELIER out of IN THE ROUGH by STORMY ATLANTIC)
 
TP-7   03/15/2025 5280ft DIRT RC7 FAST Claiming ($30K) Purse ($31.9K) 3UP M/F PT- 8:55
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
CASTAGNA Jan26 Dec18 Nov23 Oct27 Oct04 (o'neill do)CORRALES GERARDO 125 8.00 13% 6.80    
THREE COINS Feb12 Jan29 Mar16 Dec02 Oct10 (hancock john )LEBRON VICTOR 125 20.00 5% 19.00    
BEADED Jan31 Dec18 Nov15     (devaux cherie)CEDILLO ABEL 118 6.00    
MO ICE FORTHE LADY Feb12 Jan23 Dec18 Oct01 Sep08 (fletche)DE CRUZ 118 20.00    
WHAT IF Feb12 Jan17 Nov29     (bahena i)RODRIGUEZ A 118 10.00    
ASK AMANDA Feb22 Oct25 Oct01     (ennis john)BESCHIZZA ADAM 125 2.50 49% 1.00    
PEARL MAGIC Feb22 Jan29       (corrigan )CORREA L 118 8.00 5% 19.00    
CHOATE Jan23 Dec20 Oct26 Sep08 Jun25 (nihei michelle)DOYLE SOPHIE 125 3.50    
MINT DRIVEN Dec20 Oct24 Sep25 Aug24 Aug02 (rider dav)BERMUDEZ E 125 4.50 12% 7.30    
SCR  NILE CANDY Feb26 Jan04 Aug26     (corr)PADRON-BARCENAS JAVIER 118 12.00    
 
TP-8   03/15/2025 4290ft DIRT RC3 FAST Alw Opt Clm ($62.5K) Purse ($86K) 3UP ALL PT- 9:25
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
STITCHED Feb15 Dec21 Nov24 Jun01 May02 (foley greg)DOYLE SOPHIE 123 6.00 21% 3.70    
DHABAB (IRE) Feb15 Nov24 Oct05 Sep01 Jul29 (vaughan edward)LANERIE J 123 8.00 31% 2.20    
LET MY PEOPLE GO Feb23 Dec20 Nov24 Oct05 Aug31 (sharp joe)BESCHIZZA ADAM 123 5.00    
B D VALESKI Feb23 Dec21 Nov15 Oct17 Sep11 (foley greg)RAMOS D 123 15.00 5% 19.00    
SIMCOE Feb23 Jan17 Dec15 Nov24 Oct27 (vassilieva k)MONCADA IRVING 118 2.00    
HOW'S UR ATTITUDE Jan03 Nov15 Oct06 Sep18 Jul04 (ennis john)MACHADO LUAN 123 8.00    
SCR  ONE TIMER Dec14 Oct05 Sep07 Aug31 Jul28 (rivelli la)CORRALES GERARDO 123 1.60    
SCR  ARMSTRONG (GER) Nov16 Oct20 Jul06 May05 Dec10 (drexler martin)SALLES LEO 123 12.00    
 
TP-9   03/15/2025 3960ft DIRT RC7 FAST Claiming ($15K) Purse ($27.8K) 3UP ALL PT- 9:55
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
PRETTY FAST Jan30 Jan04 Dec13 Jun02 May17 (foster eric)MONCADA IRVING 119 3.50 59% 0.70    
SCR  ROYAL QUALITY Feb19 Jan09 Nov29 Nov08 Oct24 (drexler martin)SALLES LEO 122 15.00    
SCR  GAVEL Feb16 Jan30 Dec12 Sep01 Jul31 (rivelli la)CORRALES GERARDO 124 3.00    
SCR  FEAR AND LOATHING Feb28 Feb12 Jan17 Dec11 Oct01 (richardville tian)FELIX E 124 20.00    
REDFIELD Dec18 Nov02 Oct19 Oct05 Sep14 (watkins j)BENDEZU ALEXANDER 124 15.00 5% 19.00    
SCR  INFLATION NATION (IRE) Feb27 Jan26 Oct26 Sep27 Sep15 (maker michael )MACHADO LUAN 124 4.50    
BETTERING Jan17 Dec18 Nov15 Sep27 Jun12 (garcia genar)BARBOSA CARLOS 124 20.00    
HUNTERTOWN Feb12 Jan30 Dec07 Nov15 Oct16 (hernandez rey)DOYLE SOPHIE 124 10.00 14% 6.00    
TOO FRACING LUCKY Feb28 Jan08 Sep18 Aug26 May30 (reed eri)RODRIGUEZ A 124 20.00    
10  VAST HORIZONS Feb28 Jan23 Sep11 Aug14 Jul20 (johnston rebe)CANUTO THIAGO 124 20.00    
11  SHIPMAN Feb26 Jan26 Dec20 Nov25 Nov04 (gre)HERNANDEZ MANUEL 126 4.00    
12  SPEED WARNING Feb28 Feb06 Dec07 Mar01 Jan13 (ewing mich)VILLARREAL OSCAR 119 15.00 5% 19.00    
 
TP-10   03/15/2025 3960ft DIRT RC7 FAST Claiming ($5K) Purse ($15.4K) 3UP M/F PT-10:25
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
MORNING HOLIDAY Feb26 Jan25 Dec09 Oct26 Oct04 (esquivel g)VILLARREAL OSCAR 118 20.00    
CRYSTAL SNOW Feb26 Jan24 Jan03 Oct10 Sep26 (cristel j)CEDILLO ABEL 123 4.50    
SCR  SWEET DAYDREAM Feb19 Feb05 Jan02 Dec13 Nov24 (labra rogelio)FLACO ARCELIO 123 30.00    
BEAUTIFUL SUMMER Feb15 Jan24 Jan03 Dec04 Jul03 (waltz brian)SAEZ GABRIEL 123 3.50 25% 3.10    
SCR  HOLD MY CROWN Mar12 Feb26 Feb15 Jan26 Dec12 (nocero ca)CORREA L 123 12.00    
SCR  WAFFLE HOUSE GANG Feb27 Jan31 Dec06     (kinmon keith)SANJUR SANTO 123 2.50    
D'ORO ROAD Feb12 Jan31 Jan02 Dec12   (radosev)DE CRUZ 117 8.00 6% 15.80    
FONDRE Feb26 Jan30 Jan16 Dec12 Nov02 (swygart m)OUZTS W 123 12.00    
THIRSTY ACCOUNTANT Feb06 Jan16 Dec26 Nov21 Nov07 (mcentee paul)SERPA ANGEL 123 15.00 24% 3.10    
SCR  LADLE Feb26 Feb01 Oct05 Sep20 Sep11 (miller jero)PETERSON FERRIN 123 12.00    
SCR  LAST LEGACY Feb28 Jan16 Dec26 Nov07 Oct14 (gonzalez lil)CALLEJA ANDRES 123 30.00    
SCR  WIZ THE BOMB Feb13 Dec11 Oct25     (leitch daniel)JIMENEZ ALBIN 117 10.00    
 

 
  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.