Handicappers' Racing Form
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The Longshot Specialist!
Oaklawn Park
Sunday - December 21, 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
OP-1   WIN (9/5/3/1/4) 5 $2.00 $10.00 
    EXA (9/5/3/1/4)-(9/5/3/1/4) 20 $1.00 $20.00 
    TRI (9/5/3/1/4)-(9/5/3/1/4)-(9/5/3/1/4) 60 $0.50 $30.00 
    DD (9/5/3/1/4)-(7/6/2/1) 20 $1.00 $20.00 
    PK3 (9/5/3/1/4)-(7/6/2/1)-(2/5/7/3/1) 100 $1.00 $100 
OP-2   WIN (7/6/2/1) 4 $2.00 $8.00 
    EXA (7/6/2/1)-(7/6/2/1) 12 $1.00 $12.00 
    TRI (7/6/2/1)-(7/6/2/1)-(7/6/2/1) 24 $0.50 $12.00 
    DD (7/6/2/1)-(2/5/7/3/1) 20 $1.00 $20.00 
    PK3 (7/6/2/1)-(2/5/7/3/1)-(6/8/3/5) 80 $1.00 $80.00 
OP-3   WIN (2/5/7/3/1) 5 $2.00 $10.00 
    EXA (2/5/7/3/1)-(2/5/7/3/1) 20 $1.00 $20.00 
    TRI (2/5/7/3/1)-(2/5/7/3/1)-(2/5/7/3/1) 60 $0.50 $30.00 
    DD (2/5/7/3/1)-(6/8/3/5) 20 $1.00 $20.00 
    PK3 (2/5/7/3/1)-(6/8/3/5)-(2/8/11/9) 80 $1.00 $80.00 
OP-4   WIN (6/8/3/5) 4 $2.00 $8.00 
    EXA (6/8/3/5)-(6/8/3/5/1) 16 $1.00 $16.00 
    TRI (6/8/3/5)-(6/8/3/5/1)-(6/8/3/5/1) 48 $0.50 $24.00 
    DD (6/8/3/5)-(2/8/11/9) 16 $1.00 $16.00 
    PK3 (6/8/3/5)-(2/8/11/9)-(4/9/8/7) 64 $1.00 $64.00 
OP-5   WIN (2/8/11/9) 4 $2.00 $8.00 
    EXA (2/8/11/9)-(2/8/11/9/4) 16 $1.00 $16.00 
    TRI (2/8/11/9)-(2/8/11/9/4)-(2/8/11/9/4) 48 $0.50 $24.00 
    DD (2/8/11/9)-(4/9/8/7) 16 $1.00 $16.00 
    PK3 (2/8/11/9)-(4/9/8/7)-(9/3/8/5) 64 $1.00 $64.00 
OP-6   WIN (4/9/8/7) 4 $2.00 $8.00 
    EXA (4/9/8/7)-(4/9/8/2/7) 16 $1.00 $16.00 
    TRI (4/9/8/7)-(4/9/8/2/7)-(4/9/8/2/7) 48 $0.50 $24.00 
    DD (4/9/8/7)-(9/3/8/5) 16 $1.00 $16.00 
    PK3 (4/9/8/7)-(9/3/8/5)-(2/6/3) 48 $1.00 $48.00 
OP-7   WIN (9/3/8/5) 4 $2.00 $8.00 
    EXA (9/3/8/5)-(9/3/8/5/2) 16 $1.00 $16.00 
    TRI (9/3/8/5)-(9/3/8/5/2)-(9/3/8/5/2) 48 $0.50 $24.00 
    DD (9/3/8/5)-(2/6/3) 12 $1.00 $12.00 
    PK3 (9/3/8/5)-(2/6/3)-(5/3/8/9) 48 $1.00 $48.00 
OP-8   WIN (2/6/3) 3 $2.00 $6.00 
    EXA (2/6/3)-(2/6/3) 6 $1.00 $6.00 
    TRI (2/6/3)-(2/6/3)-(2/6/3) 6 $0.50 $3.00 
    DD (2/6/3)-(5/3/8/9) 12 $1.00 $12.00 
    PK3 (2/6/3)-(5/3/8/9)-(9/8/2/10) 48 $3.00 $144 
OP-9   WIN (5/3/8/9) 4 $2.00 $8.00 
    EXA (5/3/8/9)-(5/3/8/2/9) 16 $1.00 $16.00 
    TRI (5/3/8/9)-(5/3/8/2/9)-(5/3/8/2/9) 48 $0.50 $24.00 
    DD (5/3/8/9)-(9/8/2/10) 16 $5.00 $80.00 
OP-10   WIN (9/8/2/10) 4 $2.00 $8.00 
    EXA (9/8/2/10)-(9/8/2/10/6) 16 $1.00 $16.00 
    TRI (9/8/2/10)-(9/8/2/10/6)-(9/8/2/10/6) 48 $0.50 $24.00 
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   ★
 
OP-1   12/21/2025 3960ft DIRT RC7 FAST Claiming ($10K) Purse ($31K) 3UP M/F PT- 1:30
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  MEMORY MAKER Sep17 Aug25 Jul22 Jun02 Apr25 (prather joh)GARCIA EPIFANIO 119 6.00 9% 10.70    
2  GOLDEN EDGE Sep07 Aug17 May31 May17 Apr11 (hornsby tammy)WALES T 119 20.00    
3  THE GIRL IN RED Nov20 Dec15 Oct16 Aug31 Jun08 (calhoun willi)CABRERA DAVID 121 4.50 14% 6.30    
4  WILDWOOD QUEEN Sep21 Aug21 Jul17 Jul03 Jun19 (haran joh)DE CRUZ 121 8.00 5% 19.00    
5  SUMMER SHOES Apr25 Mar15 Jan03 Dec15 Jul12 (swearingen t)HUCKABY RONNIE 114 2.50 21% 3.80    
6  NGALA Dec04 Nov07 Oct24 Aug14 Jul13 (moquett ronald)ROMAN A 121 8.00    
7  COURAGEOUS CAPPEN Oct16 Sep18 Aug14 Jun20 May16 (durham danele)MENDOZA AMIR 114 20.00    
8  SHE'S STORMING Sep17 Aug08 Jul26 Jul04 May30 (hewitt michael)ELLIOTT JANE 121 6.00    
9  KITIARA Sep02 Aug13 May12 Apr25 Mar21 (martin kevin)VAZQUEZ A 121 3.50 33% 2.00    
 
OP-2   12/21/2025 5280ft DIRT RC6 FAST Optional Claiming ($30K) Purse ($44K) 3UP M/F PT- 1:58
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  MIRANDA'S ROCKY Nov26 Nov06 Oct02 Jul17 Jun24 (vance thomas)TORRES A 118 10.00 7% 13.90    
2  CERVARO DELLA SALA (GB) Nov30 Nov05 Oct08 Sep14 Aug08 (meah m)BEJARANO R 121 2.50 12% 7.30    
3  TIFFANY TWIST Nov09 Aug22 Aug03 Jun27 May15 (santamaria ca)BACON W 118 20.00    
4  UP ON THE EDGE Dec14 Oct12 Sep10 Aug06 Jul09 (jacobson)SANTANA JR 121 8.00    
5  LITTLE SISTER SUE Nov26 Nov11 Nov04 Sep24 Sep02 (garcia ge)ESQUIVEL EMMANUEL 118 20.00    
6  OUR LIBERTY BELLE Nov15 Oct25 Sep17 Jul27 Jul10 (potts way)ARRIETA FRANCISCO 121 2.00 22% 3.50    
7  WINDY WALK Nov15 Oct12 Sep07 Aug22 Jul05 (davis christopher)SAEZ LUIS 124 1.80 37% 1.70    
8  MO SENSE Oct21 Oct06 Sep15 Jul06 Jun08 (martin wil)HERNANDEZ ISRAEL 121 20.00    
 
OP-3   12/21/2025 3960ft DIRT RC7 FAST Claiming ($20K) Purse ($33K) 3UP ALL PT- 2:25
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
1  MONTANA CAFE Jun03 May20 Apr06 Mar01 Feb07 (puhl kim)HERNANDEZ ISRAEL 119 10.00 5% 19.00    
2  SPRINGTOWN Nov13 Jul11 Mar19 Jan18 Jun10 (asmussen)SANTANA JR 121 4.50 52% 0.90    
3  MATT'S LUCK Oct16 Sep03 Aug16 Aug03 Jul03 (robertson m)CARMONA SERAFIN 121 15.00 5% 19.00    
4  TAPWRITS TEMPER Dec04 Nov01 Oct23 Oct04 Jul16 (potts way)ARRIETA FRANCISCO 119 3.50    
5  SOLEVO Dec11 Nov29 Nov20 Oct18 Sep30 (asmussen stev)ASMUSSEN ERIK 124 3.00 15% 5.80    
6  SKIBIDI RIZZ Oct23 Oct09 Sep09 Aug07 Jul15 (haran john)SANJUR SANTO 116 20.00    
7  HE IS HEAVEN SENT Oct03 Aug25 Jun20 Jun08 May03 (ramirez-rodrigu)VAZQUEZ A 119 4.00 6% 15.30    
8  NACHO BAR Dec11 Nov13 Sep11 Apr19 Mar21 (jordan to)DE CRUZ 119 15.00    
9  MAMOOT Nov28 Nov08 Sep11 Jun22 May24 (kantarmaci m)TORRES A 119 12.00    
10  WIND RIDER Dec14 Nov20 Nov02 Mar29 Feb22 (hartman chris)BEJARANO R 121 6.00    
 
OP-4   12/21/2025 3960ft DIRT RC7 FAST Claiming ($10K) Purse ($31K) 3UP ALL PT- 2:55
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
1  JACKS SPRING BREAK Sep16 Aug05 Nov30 Nov01 Oct09 (milligan al)GARCIA EPIFANIO 114 20.00 ★    
2  J J'S JOKER Nov28 Nov12 Oct12 Sep27 Jul25 (hartman chris)BEJARANO R 121 8.00    
3  CANE CREEK ROAD Oct16 Sep30 Sep10 Aug23 Jul06 (williams matt)CASTILLO AMIN 119 10.00 19% 4.20    
4  BIG BOSS BEN Sep19 Aug17 Jul27 Jun06 May23 (anderson )MEDINA ANGEL 119 20.00    
5  CITY OF CLOUDS Oct28 Jun07 May10 Apr20 Mar30 (manley steve)VAZQUEZ A 119 8.00 5% 19.00    
6  BORN FLAWLESS Nov28 Nov12 Oct10 Sep24 Sep12 (cook b)SAEZ LUIS 121 2.50 32% 2.10    
7  RABBIT HOUND Oct02 Sep13 Aug09 Jul04 Jun15 (ward dan)MENDOZA AMIR 112 3.50    
8  STEEL LINK Jul27 Jun29 Jun14 Jun02 May18 (hornsby tammy)WALES T 119 10.00 21% 3.80    
9  KNICKS STORY Nov09 Aug22 Jul26 Jun27 Jun14 (ramirez-r)TORRES A 119 5.00    
10  SERGEANT GUMP Nov27 Nov12 Oct30 Aug28 Aug15 (garcia ge)ESQUIVEL EMMANUEL 119 20.00    
SCR  GOLDEN HORNET Oct23 Oct14 Sep24 Aug20 Aug08 (garcia )ELLIOTT CHRISTOPHER 121 8.00    
 
OP-5   12/21/2025 3960ft DIRT RC4 FAST Maiden Claimer ($40K) Purse ($44K) 3UP ALL PT- 3:24
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  STORMY AT MIDNIGHT Dec10 Dec21 Dec06 Nov14 Oct23 (silva miguel)MENDOZA AMIR 111 12.00    
2  SECRET LEGEND Mar02 Feb08 Jan25 Dec21 Sep28 (cline n)HARR KELSI 122 3.00 40% 1.50    
3  SAVING HEART Nov23 Dec14 Nov01 Sep26   (morse rand)HERNANDEZ ISRAEL 122 20.00    
4  LOWER BROADWAY Oct21 Sep18 Aug30 Feb07 Jan12 (haran john)JARA FERNANDO 118 20.00 ★    
5  TALL COTTON         (prather joh)ESPINOZA ASSAEL 122 30.00    
6  GUN FIRE Sep13 Jul06 May16 Dec08   (jacobson)SANTANA JR 122 5.00    
7  A LONG TIME May10 Mar30       (ashford h)TRIANA JR 122 8.00    
8  POPPA ECHO Sep14 Jan25 Dec14 Nov01 Sep19 (contreras)ESQUIVEL EMMANUEL 122 4.50 12% 7.30    
9  WORLD FAIR Sep18 Apr27 Apr04 Mar07 Dec20 (moquett ronald)ROMAN A 124 12.00 9% 10.20    
10  DAWN AT NORMANDY Apr12 Feb08       (medina robert)ELLIOTT JANE 124 2.50    
11  LA LENGUA Nov08 Jun15       (jordan to)DE CRUZ 122 15.00 12% 7.40    
 
OP-6   12/21/2025 3960ft DIRT RC7 FAST Claiming ($20K) Purse ($40K) 3UP ALL PT- 3:53
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  STAGE LEFT Dec03 Oct25 Sep28 Aug29 Jun26 (young sco)TORRES A 119 4.00    
2  FIFTY CENT DOLLARS Mar23 Feb08 Jan19 Jan05 Oct18 (martin ti)TRIANA JR 119 6.00 ★    
3  LIGHTNING STRUCK Nov27 Oct12 Sep11 Aug02 Jun21 (asmussen stev)ASMUSSEN ERIK 119 15.00    
SCR  I GOT NO MUNNY Oct15 Sep15 Aug17 Jul31 Jul03 (tracy tanner)BACON W 121 3.50 51% 1.00    
5  LITTLE STEVEN Sep28 Sep14 Aug31 Aug09 Jul17 (haran john)GALLARDO EDUARDO 119 6.00    
6  AARON Nov28 Nov07 Oct02 Aug21 Jul06 (mason ingrid)VAZQUEZ A 119 5.00    
7  KONTEEKEE Oct07 Sep15 Aug25 Jul10 Jun23 (puhl kim)DE CRUZ 121 15.00 5% 19.00    
8  HOLIDAY HOUSE Nov03 Oct15 Sep11 Jul31 Jul09 (garcia genar)TORRES A 124 8.00 6% 15.80    
9  SIR STERLING Oct26 Oct05 Sep20 Sep06 Aug10 (rengstorf )HERNANDEZ ISRAEL 121 4.50 16% 5.20    
 
OP-7   12/21/2025 3960ft DIRT RC7 FAST Claiming ($75K) Purse ($65K) 3UP ALL PT- 4:22
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  ROWDY RIOT Nov27 Nov07 Sep21 Apr18 Mar07 (morse l)SAEZ LUIS 121 3.00    
2  BOB'S CARROT Nov22 Nov09 Sep24 Aug28 Aug14 (foster eric)TORRES A 119 4.00 ★    
3  BAYTOWN BRUISER Nov16 Oct31 Oct16 Sep26 Sep14 (king barry)HERNANDEZ ISRAEL 121 8.00 14% 6.30    
4  PRIDE'S PRINCE Oct24 Mar01 Jan18 Oct27 Sep19 (compton g)TORRES A 119 12.00    
5  SCOTTISH STORM Oct08 Aug20 Jul20 Jun28 May24 (compton greg)JARA FERNANDO 121 20.00 7% 13.80    
6  ROYAL BRO Nov08 Oct03 Sep08 Aug26 Jul29 (divito j)SANTANA JR 119 20.00    
7  RIPPED Nov30 Nov08 Oct03 Sep07 Aug01 (asmussen stev)ASMUSSEN ERIK 122 4.50    
8  THUNDERHAWK Nov27 Feb01 Dec18 Nov17 Oct26 (eurton peter)BEJARANO R 119 6.00 11% 8.00    
9  CAMP EVANS Nov16 Oct19 Aug10 Jun19 Apr19 (young bob)TRIANA JR 119 3.50 47% 1.10    
10  BIG HAMMER Jul26 Jul03 May22 May07 Apr08 (rosin cot)ARRIETA FRANCISCO 121 20.00    
 
OP-8   12/21/2025 3630ft DIRT RC11 FAST Poinsettia Purse ($150K) 3UP M/F PT- 4:52
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  TAPIT QUICK Nov27 Oct05 Sep11 Jul21 Jun15 (stewart dallas)SAEZ LUIS 124 4.00    
  (by TAPITURE out of INSPEIGHTOF by ORB)
2  HILLERITO Nov08 Oct11 Sep21 Aug03 Apr27 (jacobson)SANTANA JR 124 1.20 58% 0.70    
  (by ARMY MULE out of REVEILLE'S ECHO by WAR FRONT)
3  GRAY LIGHTNING Nov21 Oct30 Oct14 Sep13 Aug07 (hernandez)ESQUIVEL EMMANUEL 117 20.00 5% 19.00    
  (by SOCIAL INCLUSION out of FAIRY GRAY by CAT THIEF)
4  BENEDETTA Nov24 Aug15 Jul20 May26 May03 (asmussen stev)ASMUSSEN ERIK 124 2.50    
  (by CITY OF LIGHT out of TESSIE FLIP by GRAND SLAM)
5  KANT BELIEVE IT Oct30 Apr12 Mar23 Sep08 Jun15 (divito p)VAZQUEZ A 124 12.00    
  (by KANTHAROS out of ROYAL TAAT by FALTAAT)
6  JERSEY PEARL Nov08 Sep11 Jul04 Aug11 Jul07 (miller da)ARRIETA FRANCISCO 124 3.50 15% 5.50    
  (by BEE JERSEY out of JERSEY'S SOUL by PERFECT SOUL (IRE))
 
OP-9   12/21/2025 5610ft DIRT RC10 FAST Allowance Purse ($115K) 3UP M/F PT- 5:20
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  QUIET I'M NOT Aug08 Jul18 Jun27 Jun07 May17 (chleborad)TRIANA JR 120 20.00    
2  ADOGATE Oct30 Aug16 Jul05 May24 Aug11 (asmussen stev)ASMUSSEN ERIK 117 4.50 ★    
3  LOW KEY Nov14 Sep26 Sep01 Jul11 Mar15 (amoss m)VAZQUEZ A 114 3.50 32% 2.20    
4  MISS AUTHENTIC Nov28 Oct08 Sep01 Jul17 Jun04 (kenneally)ARRIETA FRANCISCO 119 12.00    
5  L. A. WOMAN Oct21 Jul20 Jun27 May26 Dec31 (cox h)SAEZ LUIS 122 3.00 41% 1.40    
6  VINO TIEMPO Nov15 Sep26 Aug16 Jun26 May31 (vance thomas)TORRES A 117 12.00    
7  BANG BANG FURY Dec03 Oct24 Oct11 Sep18 Apr18 (von don)CABRERA DAVID 125 20.00    
8  NEW LIGHT (CHI) Nov03         (cox bra)ELLIOTT CHRISTOPHER 117 12.00 5% 18.70    
9  FLOATING BEAUTY Nov26 Nov08 Sep07 Jul05 Nov26 (briley lo)TORRES A 125 8.00 5% 19.00    
10  END OF INNOCENCE Oct23 Aug24 Jun26 May29 Apr27 (haran john)HUCKABY RONNIE 118 30.00    
11  ALLIHIES Nov09 Aug30 Jun07 Mar30 Feb21 (kitchingman ad)CEDILLO ABEL 117 4.00    
 
OP-10   12/21/2025 5610ft DIRT RC10 FAST Allowance Purse ($115K) 3UP M/F PT- 5:47
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  DREAM NAP Oct30 Oct16 Sep12 Jul07 Jun16 (robertson m)CARMONA SERAFIN 117 30.00    
2  MYSIDEHUSTLE Dec06 Nov21 Oct11 Sep18 Aug21 (young sco)TRIANA JR 125 15.00 10% 9.50    
3  ESPERANZA'S SPIRIT Sep27 Sep07 Aug23 Aug01 Jul18 (chleborad lyn)BACON W 117 30.00    
4  CHASING SHADOWS Nov07 Sep20 Aug29 Jun21 Jun07 (milligan )BEALMEAR C 125 30.00    
5  LADY WOOPIG Sep23 Aug22 Apr27 Mar02 Jan24 (milligan allen)ROSADO JOHAN 115 12.00    
6  SHE'S NOT A JOKE Oct16 Sep11 Jun07 Apr26 Mar14 (williams)SANTANA JR 117 8.00 ★    
7  LOBBY RENDEZVOUS Sep26 Jul10 Jun04 Feb08 Dec29 (shirer a)CEDILLO ABEL 117 12.00    
8  ZAGHRUTA Nov08 Oct09 Aug09 Jul12 May25 (cox h)SAEZ LUIS 119 3.00 17% 5.00    
9  GOWELLS DELIGHT Jun26 Jun06 May02 Mar22 Feb15 (mcpeek ke)ESQUIVEL EMMANUEL 117 1.20 38% 1.60    
10  KERRY'S KISS Nov21 Oct11 Sep18 Jun07 Apr27 (mcbride d)VAZQUEZ A 122 10.00 9% 10.00    
11  CRIMSONITE Nov14 Sep26 Sep06 Aug08 Jun28 (asmussen stev)ASMUSSEN ERIK 119 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.