BitcoinWorld Crypto Corruption Amendment’s Shocking Defeat in US Senate The world of cryptocurrency is no stranger to headlines, but a recent development in the U.S. Senate has sent ripples through the digital asset community, raising significant questions about integrity and influence. A crucial anti-crypto corruption amendment , aimed at preventing elected officials from leveraging their positions for personal gain through digital assets, met a decisive defeat, leaving many to wonder about the future of cryptocurrency ethics in government. This legislative setback highlights the complex and often contentious intersection of rapidly evolving digital finance and traditional political structures. For anyone invested in the integrity of public service and the responsible growth of the crypto space, this vote is a moment of significant reflection. What Was the Proposed Anti-Crypto Corruption Amendment? At its core, the proposed anti-crypto corruption amendment , championed by U.S. Senator Jeff Merkley, sought to draw a clear line in the sand for elected officials. Its primary objective was to prohibit public servants from actively promoting specific cryptocurrencies for what Merkley termed ‘unfair gain’ or to ‘enrich themselves’ through ‘crypto schemes.’ The intent was to safeguard against potential conflicts of interest, where an official might use their position or access to privileged information to inflate the value of digital assets they hold, thereby benefiting personally at the public’s expense. Senator Merkley’s concern, clearly articulated via X (formerly Twitter), underscored a vital principle: public office should never be a vehicle for personal financial enrichment, especially not through speculative and often opaque markets like cryptocurrency. The amendment aimed to introduce a new layer of transparency and accountability, specifically tailored to the unique characteristics of digital assets. While the exact provisions of the amendment were not detailed in the initial report, such proposals typically include: Prohibition on Promotion: Banning elected officials from publicly endorsing or promoting specific cryptocurrencies or related projects. Enhanced Disclosure: Requiring more stringent and timely disclosure of cryptocurrency holdings by officials and their immediate families. Trading Restrictions: Potentially imposing limitations on when and how officials can buy or sell digital assets while in office. Preventing Conflicts of Interest: Establishing clear guidelines to avoid situations where an official’s policy decisions could directly benefit their crypto investments. The spirit of the amendment was to extend existing ethics rules, which typically cover traditional stocks and bonds, to the burgeoning and often less regulated world of digital currencies, recognizing the novel challenges they present to financial oversight. Why Did the US Senate Reject This Vital Bill? The defeat of this crucial amendment in the US Senate was a notable moment, with the vote tally of 46 in favor and 54 against revealing a clear division. Senator Merkley explicitly pointed to opposition from Republicans as the primary reason for its failure. But what were the underlying arguments that led to its rejection? Understanding the ‘no’ votes requires looking at common legislative objections to such proposals: Vote Summary and Key Opposition Points Aspect Details Votes In Favor 46 Votes Against 54 Primary Opposition Republican Senators Senator Merkley’s Stance Amendment vital for integrity; prevents ‘crypto schemes’ Common Opposition Arguments Concerns over free speech, stifling innovation, existing ethics rules deemed sufficient, complexity of defining ‘promotion’ or ‘unfair gain’, potential for over-regulation. One common argument against such amendments often revolves around concerns of over-regulation. Critics might argue that overly restrictive rules could stifle innovation in the nascent crypto sector or that existing ethics laws are already sufficient to cover financial conflicts of interest, regardless of asset type. There might also be arguments rooted in free speech, suggesting that prohibiting an elected official from discussing or promoting any asset, even one they hold, could infringe upon their rights. Furthermore, the technical complexity of cryptocurrencies themselves can make drafting precise and enforceable legislation challenging, leading some lawmakers to prefer broader, less prescriptive approaches. The influence of lobbying efforts from various sectors, including the cryptocurrency industry, cannot be discounted. While the specifics of any lobbying against this particular amendment are not public, it’s a general truth that industries often advocate for policies that favor their growth and oppose those perceived as overly burdensome. Alarming Implications for Elected Officials and Cryptocurrency Ethics The failure of the amendment leaves a significant void in how elected officials navigate the burgeoning world of digital assets, raising alarming questions about cryptocurrency ethics . Senator Merkley’s strong words about officials running ‘crypto schemes’ highlight a legitimate concern: without clear guardrails, the potential for conflicts of interest and abuse of power becomes magnified. Consider the following potential implications: Erosion of Public Trust: If citizens perceive that their representatives are benefiting personally from policy decisions or public statements related to cryptocurrencies, it can severely undermine trust in government institutions. Unfair Market Influence: An official’s endorsement or even a simple mention of a specific cryptocurrency, especially if they hold a significant stake, could be seen as an unfair market manipulation tactic, leveraging their public platform for private gain. Ethical Grey Areas: Unlike traditional assets with established regulatory frameworks, the unique nature of crypto – its decentralization, rapid price volatility, and often opaque ownership structures – creates new ethical dilemmas that existing laws may not adequately address. Precedent for Future Conduct: The defeat of this amendment might inadvertently signal that elected officials face fewer restrictions on their crypto dealings compared to other financial assets, potentially encouraging more aggressive involvement. The core issue is transparency and accountability. In an era where digital assets are becoming increasingly mainstream, ensuring that those who craft and vote on laws are not simultaneously enriching themselves through the very markets they regulate is paramount for maintaining democratic integrity. Navigating the Future: Addressing Crypto Corruption and Legislative Integrity The defeat of Senator Merkley’s amendment is not the end of the conversation on crypto corruption ; rather, it’s a critical juncture that demands renewed focus on legislative integrity. The rapid evolution of the digital asset landscape necessitates robust and adaptable regulatory frameworks that can keep pace with innovation while simultaneously safeguarding public trust and preventing illicit activities. So, what’s next for ensuring transparency and accountability in the intersection of politics and digital finance? Here are some key considerations: Continued Legislative Efforts: It’s highly probable that similar amendments or standalone bills will be introduced in the future, perhaps with revised language designed to address the concerns raised by the opposition. Proponents will likely continue to push for clearer rules on crypto holdings and promotion for elected officials. Increased Public Scrutiny: The debate itself has brought the issue to the forefront, leading to increased public and media scrutiny of politicians’ cryptocurrency investments and their public statements regarding digital assets. Transparency watchdogs will likely intensify their monitoring efforts. Industry Self-Regulation: The cryptocurrency industry itself has a vested interest in promoting ethical conduct to gain mainstream acceptance. Leading industry players might proactively adopt stricter internal guidelines or advocate for responsible lobbying practices to demonstrate commitment to integrity. Broader Regulatory Debates: This amendment’s failure is part of a larger, ongoing debate in the U.S. about comprehensive cryptocurrency regulation, including issues like stablecoin oversight, market structure, and consumer protection. The outcome of these broader discussions will inevitably influence how lawmakers approach the ethics of elected officials’ crypto dealings. Education and Awareness: There’s a continuous need to educate both lawmakers and the public about the complexities of cryptocurrencies and the specific ethical challenges they pose. A better understanding can foster more informed and effective legislative solutions. Ultimately, the goal is to strike a delicate balance: fostering innovation within the crypto space while preventing its exploitation for personal gain by those in positions of power. The integrity of our democratic institutions depends on it. The recent defeat of the anti-crypto corruption amendment in the US Senate serves as a stark reminder of the ongoing challenges in regulating the digital asset space, particularly concerning the conduct of elected officials . While the immediate effort to bolster cryptocurrency ethics through this specific bill failed, the underlying concerns about integrity and preventing potential crypto corruption remain paramount. This legislative setback underscores the urgent need for continued dialogue and proactive measures to ensure transparency and accountability in the intersection of politics and digital finance. The path forward demands careful consideration, balancing innovation with the vital imperative of public trust. To learn more about the latest crypto corruption debates and cryptocurrency ethics in government, explore our articles on key developments shaping the future of digital asset regulation. This post Crypto Corruption Amendment’s Shocking Defeat in US Senate first appeared on BitcoinWorld and is written by Editorial Team
On July 1st, Elon Musk publicly addressed former President Trump’s comments on government subsidies, advocating for the immediate elimination of all such financial aids. Trump had previously highlighted Musk’s awareness
Cardano price started a fresh decline from the $0.590 zone. ADA is now consolidating and might attempt a fresh increase above the $0.5820 zone. ADA price started a fresh decline below $0.5820 and $0.5750. The price is trading above $0.560 and the 100-hourly simple moving average. There is a key bullish trend line forming with support at $0.5640 on the hourly chart of the ADA/USD pair (data source from Kraken). The pair could start a fresh decline if it dips below the $0.5560 support zone. Cardano Price Fails To Extend Gains In the past few sessions, Cardano saw a fresh decline from the $0.590 zone, unlike Bitcoin and Ethereum . ADA declined below the $0.580 level and trimmed most gains. The bears pushed the price below the 50% Fib retracement level of the upward move from the $0.5567 swing low to the $0.5902 high. The price even spiked below the $0.570 support but stayed above $0.5650. There is also a key bullish trend line forming with support at $0.5640 on the hourly chart of the ADA/USD pair. The trend line is close to the 76.4% Fib retracement level of the upward move from the $0.5567 swing low to the $0.5902 high. Cardano price is now trading above $0.5650 and the 100-hourly simple moving average. On the upside, the price might face resistance near the $0.5735 zone. The first resistance is near $0.5820. The next key resistance might be $0.590. If there is a close above the $0.590 resistance, the price could start a strong rally. In the stated case, the price could rise toward the $0.620 region. Any more gains might call for a move toward $0.6350 in the near term. More Losses In ADA? If Cardano’s price fails to climb above the $0.5820 resistance level, it could start another decline. Immediate support on the downside is near the $0.5640 level and the trend line. The next major support is near the $0.5460 level. A downside break below the $0.5460 level could open the doors for a test of $0.5250. The next major support is near the $0.510 level where the bulls might emerge. Technical Indicators Hourly MACD – The MACD for ADA/USD is gaining momentum in the bearish zone. Hourly RSI (Relative Strength Index) – The RSI for ADA/USD is now below the 50 level. Major Support Levels – $0.5640 and $0.5460. Major Resistance Levels – $0.5735 and $0.5820.
Joni Ernst, a United States Senator, backed by fellow Iowa Sen. Chuck Grassley and Alaska Sen. Lisa Murkowski, has filed an amendment to the US Senate’s tax and spending megabill. The proposal seeks to remove a planned tax on wind and solar projects set to take effect after 2027. It also aims to change how clean energy tax credits are applied, basing them on when a project begins construction rather than when it becomes operational. The amendment would revise two of the bill’s most contentious provisions and could provide modest relief for renewable energy projects currently targeted in the draft legislation under Senate debate. Renewable energy supporters advocate for modifications in the tax bill The amendment will be brought up on the Senate floor as part of “vote-a-rama” — a series of votes on a stream of amendments to President Donald Trump’s big tax-and-spending bill. Notably, Ernst and Grassley represent Iowa, which gets more than 60% of its electricity from wind power. Additionally, other Republican senators may support the amendment. The opposition to the Senate bill, which features a broadside from Tesla CEO Elon Musk, comes as Senators began voting on a possibly lengthy list of changes to the bill on Monday morning. This provided renewable energy supporters from both political parties one last chance to advocate for modifications. The Senate bill would reverse incentives for wind, solar, batteries, and other clean technologies that President Joe Biden established in his 2022 Inflation Reduction Act. In addition, it would impose a new tax on those projects if they cannot demonstrate that the products are made without Chinese parts. Those provisions were tougher on the credits than the previous Senate and House versions. The energy analysis firm the Rhodium Group estimates that the excise tax on wind and solar energy would raise their cost by 10-20%, in addition to the loss of tax credits. Consumers would absorb those added costs, Rhodium said. Trump’s big tax-and-spending bill faces criticism from individuals The bill has triggered strong opposition from industry and labor groups , with critics warning of power shortages, rising prices, and job losses. Over the weekend, Neil Bradley, an executive vice president, chief policy officer, and head of strategic advocacy at the US Chamber of Commerce, shared his opinion on the topic of discussion. Bradley says taxing energy production is always bad, whether for oil and gas or renewable sources. He then stated that the electricity demand is expected to grow significantly, and this tax will raise prices. Therefore, based on Bradley’s argument, this needs to be eliminated. Moreover, in an X post, Elon Musk highlighted that this would harm America. Musk continued that the cuts could threaten the progress of energy-intensive artificial intelligence technology and more. President Trump urged Senate Majority Leader John Thune to speed up the phase-out of clean energy tax credits, pushing for a tougher stance on wind and solar. This approach contrasts with the slower sunset plan supported by moderate senators. Some lawmakers requested assistance to soften the blow to their states from canceled projects, job losses, and rising energy costs. The renewable energy industry, manufacturing unions, and even some conservatives also criticized the new tax. Conservative energy expert Alex Epstein advocates ending the green tax credits. Still, he appeared surprised by the excise tax, saying in a post on X , “I just learned about the excise tax and it’s definitely not something I would support.” The US Chamber of Commerce also quickly condemned the tax. Neil Bradly, the Chamber’s executive vice president, said on social media that axing energy production is never good policy, whether oil and gas or, in this case, renewables. He noted that electricity demand will grow enormously, and the tax will increase prices. Neil insisted that it should be removed. Cryptopolitan Academy: Tired of market swings? Learn how DeFi can help you build steady passive income. Register Now
Unpacking BSC’s Maxwell vs. Ethereum’s Glamsterdam.
As July unfolds, market watchers are flagging two of the leading altcoins—Solana and Ripple (XRP)—as potentially oversold, citing technical setups and fundamental catalysts. Simultaneously, attention is shifting toward a high-upside presale entrant: MAGACOIN FINANCE. While long-standing assets like SOL and XRP offer promising technical bases, a growing number of traders are exploring high‑conviction, early-entry opportunities for sharper ROI positioning. Traders Rotate Toward MAGACOIN FINANCE As SOL and XRP form building blocks, attention is rotating toward projects at earlier stages—where upside potential may be greater. Among these, MAGACOIN FINANCE stands out as a project capturing strong traction. With previous presale rounds selling out instantly, the token’s scarcity-based design, audited smart contract, and macro-aligned vision have drawn rising analyst interest. Rather than following established paths, MAGACOIN FINANCE is being evaluated on its internal architecture and market timing—qualities that appeal to investors seeking asymmetric return profiles. This strategic rotation reflects a classic cycle dynamic: capital locks in profits in consolidated blue‑chip assets and reallocates into structurally sound, high-potential presales poised to lead the next phase. Solana’s Technical Stage Signals Potential Rebound Solana has long attracted institutional interest thanks to its onchain activity and futures volume. Yet despite this, price action remains compressed around critical support zones. Technical analysts point to oversold indicators—such as Relative Strength Index divergence—making the case that SOL may be primed for a rebound. Meanwhile, Solana’s ecosystem continues expanding. From decentralized finance to Web3 innovations like Luck.io (which drove millions in bets within its first month), adoption remains robust. This narrative supports the idea that SOL’s current consolidation could represent an accumulation phase for savvy investors. XRP Builds Foundation While ETF Optimism Pools Ripple’s XRP is showing a similar pattern. XRP is now recovering strongly from a massive drop a few days back and now moving through the upward trend after a steady consolidation. A bullish inverted head and shoulders pattern is forming but must breakout over resistance to be exact. Further underpinning XRP’s case is regulatory progress. Spot ETFs in Brazil and Canada have garnered attention from institutions. Approval from the U.S. looks more and more likely, and some analysts suggest a momentum change if the catalysts align. Meanwhile, as structural strength is building, the price exhaustion indicators signal rebound opportunities during consolidation. Balancing Stability with Asymmetry For many, SOL and XRP provide stability and infrastructure weight. Their ecosystems are mature, and technical setups hint at upside potential. Still, growth is often measured in percentage terms for established assets. By contrast, projects like MAGACOIN FINANCE offer early-alpha potential. The same investors monitoring SOL’s support tests and XRP’s regulatory catalysts are now allocating a portion of their capital to presales prepared for rapid expansion—especially if macro sentiment and crypto cycles align. Final Thoughts July 2025 may prove pivotal for altcoins. Solana and XRP appear to be nearing oversold lows while building solid foundations for the next leg up. Yet for patterns of asymmetric gains, savvy traders are also watching MAGACOIN FINANCE. As the market shifts from consolidation toward expansion, early-phase tokens like MAGACOIN FINANCE could unlock the kind of returns that define market cycles. Their rise is not a rejection of established assets but a strategic amplification of portfolio potential. For more information, please visit: Website: magacoinfinance.com Exclusive Access: magacoinfinance.com/entry Continue Reading: Solana and Ripple (XRP) Price Analysis July 2025: Analysts Say Altcoins May Be Oversold
With 2025 moving ahead fast, people are eyeing coins that offer more than memes or quick price jumps. The top cryptos to buy now are those making real ecosystems, not just coins. This piece looks at four coins getting attention for practical use, active communities, and smart rewards. At the front is BlockDAG, which links its presale power with true on-chain use. Dogecoin, Shiba Inu, and Pepe follow, each with their own story and plans. 1. BlockDAG (BDAG) BlockDAG stays strong among top cryptos to buy now because of its solid plan that blends presale success with user tasks and working features. Its presale raised $326 million so far, selling 23.4 billion coins across 29 batches, with the current price fixed at $0.0016 until 11th August. Early buyers have already seen 2,660% growth in their funds since batch 1. Unlike simple airdrops, BlockDAG (BDAG) rewards people for true action like installing its X1 Miner App, using its beta, buying mining rigs, and trying smart contracts. This builds real user strength for its systems and tests how tough it can be. Its mix of presale growth and tech use helps its upcoming mainnet. Each test builds better tools, and each referral or app use brings in more users. This creates a working cycle where promises are backed by action. This is why BlockDAG leads the top cryptos to buy now based on use, readiness, and growth chance. 2. Dogecoin (DOGE) Dogecoin keeps its place among top cryptos to buy now, thanks to daily buyer interest and big-name support. Though it started as a meme, its life continues with a strong global group and use in tipping and online buying. In 2025, it will remain a simple way to enter crypto. It may not have deep systems like new projects, but Dogecoin wins with wide use. Many online shops accept it, and its trading stays active. Support from Elon Musk and talks about its use in Tesla or X payments give hope for future roles. But as people pick top cryptos to buy now based on systems and user rewards, Dogecoin offers more cultural power than tech depth. Still, its fast transactions and wide fame keep it popular for easy trades. 3. Shiba Inu (SHIB) Shiba Inu has grown past just being a Dogecoin rival. Its Shibarium launch, a Layer 2 chain, showed it wants to build a working system, not remain a meme coin. Shibarium cuts gas costs and boosts speed, letting builders create apps and DeFi on it. In 2025, SHIB grows through token use and team upgrades. Its system has tokens like BONE and LEASH, NFTs, and staking, too. This wider build shows its plan for long-term growth. While not as tech-strong as BlockDAG, SHIB has a solid plan, active teams, and huge, loyal groups. For those looking at meme-based coins moving to real builds, SHIB remains one of the top cryptos to buy now. 4. Pepe (PEPE) Pepe made noise in 2023 and still draws eyes for its memes. Its growth came from hype and community buzz. But unlike SHIB or Dogecoin, it has yet to build a deep system. Yet in 2025, some PEPE projects started, like staking and rewards pools. Some developers plan to add more uses to PEPE. If these plans become real, PEPE might grow stronger. For those hoping meme hype hits again, PEPE still has short-term chances. But compared to coins with real systems, its lack of depth may hurt its future. Still, it stays among the top cryptos to buy now for its risky but big possible gains. Final Thoughts Picking top cryptos to buy now isn’t only about past wins, but about user use, strong builds, and ongoing tasks. BlockDAG stays ahead in linking presale wins with its testnet and user rewards. Dogecoin, SHIB, and PEPE each have fame, plans, or meme power. All four have strong groups, but BlockDAG changes its users into real testers and builders. For people looking for use-backed coins, BDAG stands out as the top crypto to buy now in 2025 . The post 4 Top Cryptos to Buy Now for Huge Growth: BlockDAG, Dogecoin, SHIB & PEPE! appeared first on TheCoinrise.com .
Although Bitcoin (BTC) has recorded slight gains over the past month – up 3.6% in the last 30 days – the leading cryptocurrency is experiencing a lack of Apparent Demand, indicating broader market weakness that could lead to a price slump in the near term. Bitcoin Apparent Demand Enters Negative Territory According to a recent CryptoQuant Quicktake post by contributor Crazzyblockk, Bitcoin’s new buyer demand is failing to absorb the combined supply pressure from freshly mined BTC and selling from long-term holders (LTHs). As a result, BTC’s Apparent Demand has turned negative. The analyst noted that the imbalance between buyer demand and excessive supply has created a high-risk environment for a near-term price correction. Notably, the $100,000 level remains an important support for the flagship digital asset. Related Reading: Bitcoin Weak Hands Exit While Smart Money Loads Up – Is A Breakout Near? For the uninitiated, Bitcoin’s Apparent Demand measures the balance between new buying interest and the supply of coins entering the market from miners and LTHs selling. When this metric turns negative, it means that the amount of BTC being sold exceeds new purchases, indicating potential market weakness and downward price pressure. BTC entering negative Apparent Demand territory can be considered a bearish development for two key reasons. First, it directly increases the “for sale” BTC supply, exerting downward pressure on the cryptocurrency’s price. Second, significant selling by LTHs – often considered seasoned and sophisticated investors – suggests that experienced players believe the crypto market has likely reached a local top and are exiting before a potential severe market downturn. The analyst added: Consequently, the market is in a vulnerable state. Any price rallies from here will likely struggle to overcome this wave of available supply, and market support may be weaker than anticipated. While not a guarantee, this on-chain signal strongly suggests a period of caution is warranted until demand shows clear signs of recovery. That said, recent on-chain analysis indicates a more optimistic outlook. According to fellow CryptoQuant analyst Avocado_onchain, the 30-day moving average (MA) of Bitcoin Binary Coin Days Destroyed (CDD) shows signs of healthy consolidation rather than a potential local top. Some Positive Signs For BTC While BTC’s Apparent Demand might be drying up, easing global geopolitical tensions could catalyze a rally in risk-on assets, including cryptocurrencies. Further positive macroeconomic developments may also benefit BTC, potentially leading to a cycle top much higher than currently anticipated. Related Reading: Bitcoin May Surprise Bears: $100K–$110K Range Shows Rising Short Interest Another indicator negating the possibility of a major price pullback is the steadily rising short-term holder (STH) floor price, which has surged to as high as $98,000 according to the latest on-chain data. At press time, BTC trades at $107,500, down 0.5% in the past 24 hours. Featured image from Unsplash, charts from CryptoQuant and TradingView.com
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Recent market trends show significant price drops for both Solana (SOL) and Avalanche (AVAX) . With values hitting lows, questions arise about whether this downturn signals a prime buying opportunity. Could these coins be on the verge of a significant rebound? Discover the factors that point to potential growth and why now might be the ideal time to invest. Solana Market Snapshot: Trends, Key Levels, and Trading Ideas Solana fell sharply over the past month, with prices dropping nearly 19% and a six-month decline of around 22%. The coin has struggled to maintain gains, reflecting a consistent downward movement over time. Price shifts have followed a pattern of quick corrections, and short-term dips have contributed to a broader bearish outlook. Declines over a single week of about 5% have added to the overall pressure, signaling that the market has been cautious in its movements. Volatility and a series of losses mark the recent performance, suggesting that sellers have been in control during these periods. The current price range sits between $136 and $182.20, with traders eyeing a key support level near $115.84 and the first resistance at $207.90. A second line of defense appears with support at $69.81, while a higher resistance is found around $253.93. The indicators show negative momentum, with both the Awesome Oscillator and Momentum Indicator below zero, confirming a bearish influence. The relative strength index at 38.07 indicates that the coin remains cautious, lacking a strong upward trend. Trading within these levels may involve seeking buying opportunities near support, along with careful stop-loss orders. Avalanche Trends: Bearish Past and Critical Price Levels Avalanche dropped 24% over the past month and slid 51.76% during the last six months. A week-long loss of 9.20% marks a clear downward movement in its price behavior. The coin has struggled to maintain recent levels, reflecting mounting bearish pressure and investor caution. The steady decline over these periods highlights the challenges the altcoin has faced, marked by a series of retracements that have left traders wary of further falls. The current price sits between $17.67 and $25.40, with strong support at $14.52 and resistance near $29.98. A secondary support at $6.79 and resistance at $37.70 add extra caution for market participants. A negative Awesome Oscillator of -2.90 and a Momentum reading of -3.95 suggest that bears dominate the market. An RSI of 34.66 indicates the coin could be nearing an oversold condition. Traders should watch for a potential bounce if the price touches the lower support and consider tight stop-loss strategies in this uncertain environment. Conclusion Both SOL and AVAX show signs of being oversold. This dip could provide a strong entry point for investors. The current prices may not last long. With potential for growth, entering now could yield high rewards. Timing is key in capturing future gains. Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.