Friday, December 26, 2025

Why is Southwest Airlines failing

Nation building via learning and being the best in business

 Why? Failure in management? A far cry from days of Herb Gallagher; computer slip ups cancelling flights, removal of free baggage offer. The seating arrangement Egalitarian treatment of all passengers Small changes but estranged the customers t the airlines.  NO more advantage.   

Emirates mistake on betting entire business on Airbus 380, why bigger is not necessarily better or do not put your eggs in one basket

Nation building via learning and being the best in business

Emirates is biggest buyer of Airbus 380  about 100 of them.  They are Airbus biggest customer.   Each one costing about $300 each   

But because of many buyers electing to buy more fuel efficient two engined aircraft for greater flexibility and dwindling number of air travelers,  Airbus has been forced to discontinue Airbus 380 production.  This meant entire supply chain cities (ecosystem) vanished making it problematic for Emirates to obtain parts.

The 380s made Emirates long haul luxury travel very profitable.  Now it is facing huge problem because of changed air travel patterns and the inability to get its parts.  It now buys third party suppliers who just strip old planes for parts, or even bought seat manufacturing plants  

Would you have gone the Emirates way if you had trillions to spend?


Chinese common wisdom on business: break even, cash flow, margins, and other calculations




Detect where money is leaking

🔢 10 "BLOOD-AND-BONE" CALCULATIONS OF THE CHINESE BUSINESS MINDSET

Chinese business owners don't rely on theory or gut feelings.
They rely on simple, brutally practical calculations to make sure they survive first — and profit later.
These are 10 numbers they calculate again and again every day
— and every serious business owner must memorize them.

⚠️ SURVIVAL CALCULATIONS
1️⃣ Break-even Point
👉 "How many bowls, cups, or orders must I sell each day to start making money?"
This number decides whether a business lives or dies.
2️⃣ Cash Flow
👉 "Is the cash on hand enough to pay rent, salaries, and suppliers next month?"
Chinese business owners are obsessed with cash flow.
Paper profits mean nothing without real cash in the drawer.

💰 PROFIT OPTIMIZATION CALCULATIONS
3️⃣ Gross Profit Margin
👉 After raw materials, how much percentage is left?
Too low = prices too cheap or costs too high.
4️⃣ Food Cost Percentage
👉 For F&B, the "golden range" is 25–35%.
Above that, profits are being eaten away.
5️⃣ Labor Cost Percentage
👉 Should stay under 20–25% of revenue.
Go beyond that, and the system becomes bloated — profits disappear.

🧠 MANAGEMENT CALCULATIONS
6️⃣ Revenue per Square Meter
👉 Is your space generating money or just taking up rent?
7️⃣ Table Turnover Rate
👉 How many customers does one table serve per day?
Higher turnover = higher efficiency.

👥 CUSTOMER-BASED CALCULATIONS
8️⃣ Average Order Value (AOV)
👉 How much does each customer spend on average?
Increase AOV = higher profit without more customers.
9️⃣ Customer Acquisition Cost (CAC)
👉 How much marketing money is needed to get one new customer?
🔟 Customer Retention Rate
👉 What percentage of customers come back?
Chinese businesses treat repeat customers as living assets.

🔑 CORE LESSON
Business is not emotional.
Behind the Chinese "owner mindset"
is an obsession with survival numbers.

No fancy degrees required —
just absolute mastery of these core calculations.

👉 Whoever controls the numbers, controls the fate of the business.

📘 THE PRACTICAL SOLUTION FOR BUSINESS OWNERS
All of these critical metrics are clearly explained in the book:
"10 Indexes That Determine the Fate of a Business"
✔️ Simple, not academic
✔️ No accounting background needed
✔️ Designed for shop owners, cafés, small and growing businesses

This book helps you:
Understand gross profit and net profit correctly
Know your real break-even point
Detect where money is leaking
Make decisions based on data, not intuition

That is why the world is populated by many Chinese and why many Chinese in the PHL are soooo rich

Wednesday, December 24, 2025

Who can beat Chinas financial strategy vs Western bank?

Nation building via learning and being the best in business

By  being more liquid than others having  $6trillion in liquidity - $4 trillion in banks, and 2 trillion in parallel structure:   govt corporation and other Chinese companies.

Western banks are unravelling because they were not paying attention to their liquidity and or their balance sheet.

Its a brilliant thing:   Chinese Central Banks prints money to:   buy forex of Chinese companies for their bank liquidity,  buy gold and strategic commodity reserves:   oil, iron ore etc, even agricultural lands.  That we know is magic -  from nothing -  currency printed backed by liability to buy something solid and fungible.   

The West has been fond of something intangible -  intellectual property NFT,  crypto.  China being old school like us love hard assets.

Which is better?  Even Western financial wizards recommend the hard assets





Tuesday, December 23, 2025

Quality investment by Peter Lynch

Nation building via learning and being the best in business







Author of One up the Wall Street.  One of the most successful stock market  investor

1.  His rules  know what you own and understand why you  bought this the company   You should be able to understand the business in 2 minutes or less or by your daughter.   Foucs on benefits
2.  High GP rate 60% or more (its going to have competitive advantage and can invest in R & D marketing and staff
3.  Invest in quality companies (just like Philipp Fisher)
4.  Ignore macro (or focus on micro -  thats what this post taught at GSB)    Micro beats the Macro if you are in a niche







Uncommon profits from common stock - new investment philosophy (vs Ben Graham - basement cigar butts strategy) that upped Warren Buffett gains

Nation building via learning and being the best in business








Phil Fisher - Common stock uncommon profits

It was Phil Fisher investment philosophy that bumped up the gains made by Warren Buffett in his investment career, not what he initially learndd from Benjamin Graham which was basically basement cigar butts hunting.    Find undervalued stocks here and there Fisher looked at something more qualitative and far enduring.  He looked  at quality of top management and their vision.  It should be same standard we should set for outselves if we are to be the darling or be in the radar of investors

15 points to look for in Growth Investing by Phil Fisher (he too was connected with Stanford - a great modern learning institution.

Fisher’s 15 Points to Look for in a Common Stock

In “Common Stocks and Uncommon Profits,” Fisher outlines 15 key points to consider when evaluating a company for investment. These points are divided into two categories: management’s characteristics and the characteristics of the business itself.

  1. Does the company have products or serv

Sunday, December 21, 2025

The venture capitalist mindset - "How to get funding for your start up? Being a failure champion!!

Nation building via learning and being the best in business









The headline sounds contradictory

But thatswhat it is all about: by being both a failure champion from the side of the start up and venture capitalist       

The video is by Ilya Strebulaev who teaches at Stanford (had some encounters with professors at that School) and we know many billionaires are associated/have connections with Stanford.

The VCs are successful only 1/60 of the time.   There is even a Museum of Failures where there is display of failed ideas and innovation.  The idea is to keep on moving and moving forward always despite failures. 

The VC mindset:

1.   Expect failures   That is going to be part of the life of the proponent and the VC analyst
2.  Stay out of the office -  go to the proponents office/factory, see his prototype, talk to prspective customers  (be at the Gemba)
3.  Have a prepared mind.   Chance favors the prepared mind.   (This post experienced this when he talked to a banker for a possible funding.  I was prepared with the number and business plan in my  head which I recited to him without ppt.  He approved a P14M line from that conversation
4.  Say no a 100 times.   it is easier to conduct an interview with a proponent if your question is "Why should I not fund your project

The blurb (the short pitch for Gmail)

There were many words for this:   the elevator pitch, it was just pitch when I was teaching.  That is what every new entrepreneur business leader should know when making speech or spiel for funding or sponsorship.

It should be typically just two short paragraphs:

    1.  About you, why they should trust you with their money  (zillions)  what are your extraordinary
         skills and experience, corde.  What is extraordinary about you and your team?

   2.  Your team:   what disruption, what extraordinary thing can you do about existing business and 
         value chain.   How could you monetize your ideas.  Why should it be noticed?  Chosen








What they are teaching at MBA in GSB - how to steal business from existing ones (how to steal their customers

Nation building via learning and being the best in business

When this post taught at a GSB almost a decade ago, his first activity for the group is " How to rob a bank"  The idea is to point out that robbing a bank, an immoral act has the same component as a legit business organization.   There was so much fun in it, (as we had in a borrowed case from late Dr. Morato -  the Victoria Court case (a repositioning case)

    1.  It has a goal (the ROI the payback the loot)
    2.  Planning Doing, Checking (practicing)
    3.  An organization
    4.  Risk benefit analysis
    5.  Exit plan

    It emphasizes the idea of business plan, organizing, being detailed. 

And also the idea how a legit business could be corrupt to become illegal.

Well from the recent viewing of a YT video, this post should have gone further.  The typical teaching from Harvard and other USA university (and basis for many new business  is
 "How to steal business from existing one?"


There is a video by Professor Thelis Texeira and he has a book how to steal customers from Billion Dollar companies.  

He explains how existing businesses can identify points where they fail to create value and offers methods to provide high value to customers. He examines the customer value chain, proposing a framework to identify and break apart the weakest link. He teaches how to generate ideas that offer high value to customers and how to attract customers away from

The process involves decoupling the value chain (eroding ) and then coupling. Find out the weakest poin in the value chain, improve, revise or disrupt these and/or create more activities around it. For example, the pharmacy business has been decoupled and coupled to include the medication in packets that are in accrodance with the Drs. Rx. No need to remember the Drs RX and remove the meds from the bottles. This has taken care of the company. No wonder the traditional pharmacy company are failing in the US

So really, "How do you steal from an exisitng business (that has stagnated or has a weakness.








Saturday, December 20, 2025

Now hiring employment opportunities - apply now

Nation building via learning and being the best in business


JOB OPENINGS - now hiring 

at Holy Gardens Philippines
     1.  San Carlos
     2.  Greenhills (Calamba)
     3  Oton (Iloilo)

Employment opportunities

Nation building via learning and being the best in business


JOB OPENINGS - now hiring 

at Holy Gardens Philippines
     1.  San Carlos
     2.  Greenhills (Calamba)
     3  Oton (Iloilo)

Apply now

Audacious move by Megawide for P10 b investment by Pag ibig in a construction outfit via preferred share

Nation building via learning and being the best in business










We know one of the top execs of Pag ibig, when we manifested our desire 1 year ago to go into 4ph project.     But we found out that it would take P300 m to finish a project before you ever get a take out  So its going to be capital intensive for a developer and most likely he would go into a liquidity hiccup.   No developmental loan.  

However this one bypasses the loan portion because the govt takes an equity, albeit riskier bet on the developer.   Probably this was done to save the 4ph project, a flagship project of PBBM to save the dwindling popularity of the President in the light of many challenges his administration is facing

Since we know the top guns fo the said govt institution we can probably explore the same possibility (follower) and or let PAG IBIG invest in our different ventures.

Three businesses I would like to be in soon

Nation building via learning and being the best in business





What are the three?

1.   Trading of excavators
2.    Agar wood
3.    Solar lamps

All promise great wealh building potential.   The two which involves import expoert from China can build gp up by 100%.   For example certain HE can be bought at $5,000 if bought wholesale and can be sold up to $12- 15,000 with taxes and transport included.   And so I found out to save on taxes, you locate yourself at SBMA.   And then the solar lamps, I found I can get a good deal for P10,000 but sell up to to P30,000 depending on the market.  Many made huge profit for DPWH projects.

As for Agarwood, it takes years to grow the tree, it is technology intensive, but trees grow without much care and yes you can sell up to $100,000 per kg on very good treees.   And there are plenty of agri land in the PHL that are idle and you can still acquire low price agri lands anywhere in the PHL

Sunday, December 14, 2025

3 things very wealthy people do before a market crash (so that we can prepare)

Nation building via learning and being the best in business 













 It happened in 1933, 2008, is it happening in 2025 There are three things that super rich investors do before a crash (do they have something we dont have why they can see a crash before it happens?

This is what they do:

1.  They liquidate their assets (especially if they can see if the assets:  stocks real estate are overvalued)
     They position themselves into liquid assets getting ready for 2.  We see Buffet with $325 Billion hoard of cash
2.   They position themselves into precious metal like silver or gold.  In the case of Bill Gates, positioning for farmland invested in 275,000 acres of farmland
3.   They to take advantage of debased financial assets with put option, debt swaps, and shorting to do bargain hunting and or vulture investing.




Buying a put option

You can also buy a put option to express a directional bias. A long put is similar to short selling a stock. The outlook is for the stock to decline after the put has been purchased and subsequently sell the option back at a higher price. Because of certain account type restrictions you may not be able to short stock, so buying a long put enables you to have a bearish position in a security with reduced capital allocation. 

Long puts have defined risk (the original cost of the option is the most you can lose) and undefined profit potential. Puts are typically more expensive than calls because investors are willing to pay a higher premium to protect against downside risk when hedging positions.

Selling a put option can also be an advantageous strategy to purchase a stock, because the credit from the put option reduces the cost basis of the stock position if assigned. Many investors sell puts on stocks they are happy to own and gladly accept payment in return. A short put option can be thought of as a limit order. 

For example, you might sell a put at a price you believe is support. Instead of waiting for the share price to fall and trigger your order, you essentially get “paid” to wait for the price to decline below the short put option’s strike price. If the stock price never drops below the strike price, you get to keep the premium.

Think about it: if a stock is trading at $102, and you would buy it at $100, why not sell a put with a $100 strike price? If you receive $5.00 for selling the put, you’ve reduced the position’s cost-basis to $95. You’re already up $500 per contract!

(Note: to sell a “naked” put, or cash-secured put, your account must have enough capital to purchase 100 shares at the contract’s strike price).

Put option spreads

While some of these use cases for put options may sound too good to be true, there are risks associated with selling options. As mentioned before, a short put option has undefined risk. That’s where spreads come in handy.

A spread combines two or more options into a single position to define risk for the seller or reduce cost for the buyer.  

bull put credit spread has the same bullish bias as a single-leg short put, but a long put is purchased below the short option to define the position’s risk. You’ll take in less credit because you have to buy a put option, and the credit received is still your maximum potential profit. But you can rest easy knowing your max loss is defined by the spread width minus the credit received.

For example, if a $5 wide bull put spread sold at $50 collects a $1.00 credit, the maximum profit potential is $100 if the stock price is above the short put at expiration. The max loss is $400 if the stock price is below $45 at expiration because the broker would automatically buy shares at $50 and sell shares at $45. (Remember, short put = buy, long put = sell). The trade’s break-even point is the short put strike minus the premium received.





Joseph Kennedy, Ackman are very famous for this.  They made their killing when the market was crashing.

Why is crash just around the corner (6 most to 18 mos)

1.  Overvaluedd stocks
2.  Huge US 38trillion debt
3.  Crashing real estate:

      House overpriced at 50%  (spreading homelessness in US)
      30-40% vacancy rate of  commercial real estate)
4.   End of petrodollar
5.   End of US as reserve currency
6.   Unwinding of the carry trade due to yen increase of bond rate.    Japan problem can take US with 
      it      

Gold mine for investors - real estate in the provinces (even farmlands, phase 2 in trades for zillionaires)

Nation building via learning and being the best in business

Investors have focussed on MM condos, commercial, rentals and neglected the provinces.  Local investors have bet consistently in local developments:   malls, rentals, subdivision.    We are small player but we played out in the province.

The second phase for traders/investors in volatile market is to invest in gold.  The substitute by Gates and Zuckerberg is to purchase farmlands.  This is the option for stock and financial instrument trader.  This was the playbook for Antonio to go into RE in the 80s with Youngstown development






Saturday, December 13, 2025

Focus enables you to see other possibilities and solutions to the business processes which can add tremendously to efficiency and wealth creation

Nation building via learning and being the best in business








                                               Wide cut, zero turn


                                       DIY RC lawn mower with caster wheel and  RC accessories
                                       RC receiver and motor can be installed easily (not available in PHL?

                                            PC 40 soon to be delivered either in LU or HGGMP


                                                2022,   placed on ad Dec 9, Php 827,000


Machinery line Philippines Komatsu pc 40

This post thought of diversifying into agri forestry products But there seem to be many problems and gaps in our current business that need our attention.  One was mechanization of a certain process.   We will save about P1,500 per unit and that adds up to x 300-->> P450,000 a year and if you add up interest that you dont pay to others, and the depreciation charges.  You can easily add up another P500,000 to the bottom line.

Now there is another area where we can mechanize and maybe we can save up to two laborers:   grass cutting.  There are available robotic lawn mower and maybe thats P250,000 x 2 =   P500,000.  We will have less head ache on manpower etc and their dynamics.    We can concentrate on marketing, and admin of managing the records, and selling



Income opportunities, apply now

Nation building via learning and being the best in business

We are HIRING.  






We are growing nation wide company focused on providing top notch customer service to our customers.    We have upgraded our entry level positions by as much as P4,000+ per month.  Our officers position salaries are as competitive with other industries.

We belong to the top 5 in the industries

Come and join our team.  Plenty of  opportunities for financial and career advance.

Entry level:


    2.  Accounting staff                           at San Carlos City, San Fernando City, Calamba, Calapan and                                                                    Oton  (5)
    3.  Drivers (transportation specialist)      at Calamba, Morong, San Fernando, San Carlos, City
    4.  Gardeners maintenance staff              San Fernando (2)   San Carlos City (2) Calamba (2) 
    5.  Lending staff -                                    3 staffers.    

Officers

    Malasiqui  -                 1, Calapan    -1,  Calamba - 1

    Lending operations  -  1

    Main office   -             3  (Asst Gm, HR, Gen Accounting)

    Funeral service  -        3 funeral directors

Minimum qualifications

    Educ attainment -   For GT and TS high school, for officie staff, college graduate with major
                                     related to job, eg.   Accounting - Accounting MajorCSS - marketing

    Experience -   preferred but nor required;  for officer, a minimum of 3 years in supervisory position

    Passionate, high level of integrity, excellent oral and written communications, computer literate
           GmailAI,  blogFBxls, word, 

Hurry apply now.   Prepare for:    stoppage of BPO because of US law to bring home call center, the forthcoming Japan and US reset (economic woes)   We are glad PHL will be exempt for these forthcoming economic reset.   

APPLY, CALL TEXT NOW GMAIL LETTER OF INTENT AND CV


Send cv to letter of intent to:      jorge@holygardens.ph
Contact number                          +63908 928 7888



Wednesday, December 10, 2025

AI bubble burst - worse than dot.com burst, real estate burst

Nation building via learning and being the best in business

History just shows us that we never learn.  Greed pervades.  Herd mentality is forever.   We follow trends even if that trend leads us to loss or perdition.   The pied piper wins.

What do we do next, how do lick our wounds, how do we recover the losses.  

The conservatives always go for the solid asset based wealth.  Common productive enterprises.    Food, water, insurance, transportation, health.   The future does not have to be nebulous or hazy.     The next big thing cant mean our perdition.  

How do we learn from our mistakes:





What is essential is invisible to the naked eye - from Little Prince

Nation building via learning and being the best in business





We often see the book cover and see only one side of the coin or the business.  The business model that you see may be actually  losing money

1 The car dealership may barely make a profit on the unit they sell but they earn on:
     1.  Parts and lubricants
     2.  Servicing the unit
     3.  Insurance
     4.  Repairs

2.  We on the other hand barely make 5% on the unit we sell but we make up for the services too.  Our margin on service is 50-60%

3.   A billiard hall may not make money on the pool tables but earn money on food and drinks, tournaments, memberships, events

4.  As in Amazon they lose money on membership prime ($20 b) a year but make up for it in sales and video streaming

5.  A computer shop makes money on peripherals and consumables

6.  A gasoline station makes money on retail rentals rather than gasoline

7.   A condo or subdivision makes more money on recurring income:   H20 sewarage and building admin

8.  A retail establishment makes money on rack rentals rather than the sales of good.   Prime locations are paid by manufacturers more than margin of each product  (Sales - cgs)

Japan's auto industry facing uncertainity

Nation building via learning and being the best in business

Will Toyota remain the largest world automaker?

All ready we see pressures and cracks in the Japan's automotive industry:

1.  The US tariff is hurting them and slowing down their sales
2.   BYD, China's EV dominance
3.   Aggressive moves by China to get hold of Japan supplier and former plants

What is  going to happen to Japan?  How will Toyota hold on to its leadership position? In the household electronic industry Japan has lost its dominance with the difficulties of Panasonic, Sharp, Toshiba and more.  China cheap manufacturing platform has something to do with their loss of leadership  and competitiveness

Nothing is forever.  Japanese juggernaut and manufacturing and car industry are losing it and China may soon replace them.   And then this financial difficulty they are currently experiencing:   tariff wars with USA, loss to EVs, yen weakness?

What would you suggest?


Japan's nuclear counter attack tsunami vs US dollar; this ends period of prosperity and economic stability for US

Nation building via learning and being the best in business

For years it is said that Japan, ever since the Plaza accord has propped up and provided cheap money for US, and propped up  the latters economy  for decades:    1.  low if not zero interest, 2.  cheap yen vs US dollar.  And were also buyers of higher yielding US treasuries.

But lately Japan has taken steps on its economy and fiscal matters that others seen as an attack on US dollar or economy.  (It could be because of Trumps tariff which is hurting Japan's export.!!)

      1.  They have hinted on raising bond rates (bond pricing hitting 1.9%)
      2.  They have stopped buying US treasuries
      3.   They are dumping US treasuries (almost $200+ billion for a quarter)

This affects:

     1. Carry trade  trades involving borrowing cheap yen and investing in higher yielding stocks and 
          treasuries.  It is estimated to be between 12 -20 trillion dollars.   Its unwinding
     2.  May affect liquidity
     3   US economy stability as no one would continue to buy US debt
     4.  US quality of life.  This sort of interest rate subsidy would  end and jack up housing and
           credit card % rate

All the while the environment of US economy is not at all conducive 
The ongoing trend of de dollarization:

    1.   Declining importance of US as reserve currency
    2.   De dollarization by BRICS, USSR, UAE India in their trades
    3    End of Petro and Euro dollars
    4.   US huge $37 trillion in debt

How will these affect the Philippine economy.?

Shall we weather these economic storms?

What are our countermeasures?

In this economic environment, how will you  plan?   How will you strategize?   Its vastly different from the world we were born and grew...It will make your head spin
           

Saturday, December 6, 2025

YT experienced massive declines in viewership and they solved this with simple trick

Nation building via learning and being the best in business









The people at Google are smart people and we should emulate their ingenuity.   Once their engineers and programmers noticed decline in YT video viewership.  After a view of a video, the reader would leave not to come back again.   

The Google engineer simply solve this by:

   1.  Putting on the right hand pane a thumbnail of other videos
   2.  The other videos that are related posted on the last page of the video just played
   3.  Review button on the video.  
   4.  The shorts.  People have such attention span that they view short videos (FB version - reels)

Brilliant eh.  By doing this YT viewership climbed exponentially

How the gold and bitcoin reset (double talk for currency devaluation) will erase US $37 trillion debt and cause financial difficulties for most citizens?

Nation building via learning and being the best in business

How will this impact your business.   This is going to be completed in 2027.    

Here is the plan:

1.  President DT under the Economy Emergency Plan has all ready signed an EO protecting the Bitcoin  US has about $200 billion of this which were bought and confiscated in the drug raids.    US has 8000 tons worth of gold valued at $42.22 dollars in US treasury books amounting to $200 billion 

2.   The govt will revalue the ff assets:

       gold from $42.22 to P20,000/ounce which will increase  value to $5 trillion and bitcoin to $1,000,000         each from current market value of about $100,000 which will revalue the bitcoin to  $2 trillion.

       The $37 trillion will now be backed by 20% of total govt assets and the debt of $37 trillion will be but erased.

        Brilliant eh

But such move will:

      1.  devalue the dollar
      2.  gold can be confiscated
      3.  wipe out the value of savings and retirement including salaries and wages
      4.   there may be hyper inflation

Who will benefit:

     1.  The US Fed
     2.  The US govt  it will now appear stronger and financially sound
     3.  Politicians  - they dont have to raise taxes or worry about the massive spending deficit they are doing.  or worry about paying the massive $1.2 trillion in interest alone to the $37 trillion debt.  

     And this happening right now as:

     1.  There is pending crash of the financial market just like in 2008 because of overvalued stock
     2.   The unravelling of the estimated $20 trillion carry trade (investments in stock and other financial instruments by borrowing cheap Japan Yen and investing in other financial high yield financial instruments. 

    This post foresees difficulties and economic difficulties in USA especially for its 300 million citizens.  Its a great pain to solve its difficulties.  (And many foresee that a collapse of finances could lead to the demise of the empire as it happened to UK and Rome before)   While PHL is still far away the awesome and massive of plunder of the PHL treasury could cause the same pain.  Its time to execute and punish the plunderers from executive and legislative branches of the govt



    


Lose some, gain plenty - the story about Amazon prime - THE BENEFITS OF THE FREE (ALSO FREEMIUM)

Nation building via learning and being the best in business






This is about the strategy of Jeff Bezos at Amazon.   Sales were declining and their team was a at loss on how to arrest the decline.   After long brainstorming and research they found out that shipping was causing the friction that rubbed sales the wrong way

So they established the Amazon prime.  For only $__ subscription, membership a year, you could have unli shipment.    Before customers buy 1 to 3x per year.  But with the Prime membership, the customers bought on the average 27 x a year.   Translating into 27x more sales

Amazon loses $20b a year on the free/reduced shipping cost.     But it is accelerating its sales.  Now the prime is into video streaming  now an enemy of Netflix.  The customer base is a rich mine for other businesses.    

Google is in freemium model.  It does not charge for the search engine but makes up for ads and maybe google maps  and YT ads.!

So what could be causing friction in the company.  We hypothesized it could be the _ permit  or ___certificate.  It may be made FREE - DEDUCTED FROM THE SERVICE or even processed by our staff.   For the lot sales, we may make the transfer fee FREE.