Ad Choices. Le prince Jefri Bolkiah en tenue de polo, Sultanat de Brunei Darussalam. Ed Pilkington in New York @edpilkington. Jefri came with Micha Raines, and the sultans son Aziz turned up with Val Kilmer and Jerry Hall. Puan Salma binti Abdullah ne Claire Kelly; Puan Jamilah Binti Abdullah; Issue: Pengiran Muda (Prince) Abdul Hakeem; Pengiran Muda (Prince) Abu Bahar; . lawyer who attended the trial, told me over lunch one day that it was all about recovering assets. However, Richard Chalk, the B.I.A. It dawned on me that I had worked for the Prince for over two years for very substantially less than I had been promised, while Prince Jefri was telling me he had no money to pay me and yet all along he had been sitting on an illicit fortune.. It was very nice to know you, he said. But by then the prince was nowhere to be seen. Jefri Bolkiah was previously married to Ayen Munji-Laurel (1995 - 2001) and Evangeline Del Rosario.. About. He got three marriages. When Hakeem turned 18, his father gave him $1 billion as a birthday present, according to one of Zamans affidavits. Three of Jefris wristwatches, gem-encrusted and reportedly worth more than $850,000 total, were sold in November 2009 in Londons Hatton Gardens jewelry quarter. Published on January 25, 2023 03:47 PM. In terms of hiding money, he certainly didnt want the B.I.A. There were insufficient monies to fund the commitments entered into by A.D.C. ), Meanwhile, Prince Jefri was convinced that Mohamed and his men were spying on him, both when he was in Brunei and abroad, according to Stewart. According to Derbyshire, Jefri felt he had to strike back, hard, by cashing in his biggest assets, the New York Palace and Hotel Bel-Air. _karraminah_. (A Los Angeles lawyer who represented Jefris real-estate interests declined to comment. by Brunei Shell were greatly reduced. Unimaginable wealth all his life. In the past, Argent invoices had been paid immediately, says Zaman. BruneiTales of Brunei's prince Jefri Bolkiah are numerous including salacious stories of his "harem". Her parents ran the 4 Square franchise at the Moturoa Dairy in New Plymouth. In order to give them full and absolute authority to act on his behalf, the prince granted them power of attorney. and to pay His Majesty the money he required by way of Special Transfers at that time [approximately $83 million a month] In these circumstances, His Majesty commanded me to transfer assets I controlled to the B.I.A.. I realized I may not have been told the whole truth about certain things by Ms. Zaman and Mr. Derbyshire, Jefri claimed in an affidavit. In stark contrast to the subdued prince were the defendants: Zaman, a 34-year-old, effervescent beauty, her fine figure packed into smart business outfits, and her husband, 43, who spoke with a Liverpool accent and appeared almost every day in a different bespoke suit and silk pocket foulard. All of these accusations, Derbyshire and Zaman contended, were the princes own maneuverings to pay his lawyers and his lifestyle expenses. . (Jefri claimed in an affidavit it was $35 million.) Ferrari - 452 cars. The plaintiff, Prince Jefri Bolkiah, Bruneis notorious royal playboy, who has probably gone through more cash than any other human being on earth, tried to convince the jury that he was extremely nave when it came to financial matters. Derbyshire adds, Eventually we gained his trust, and then he opened up and we got to know everything: the art vaults full of paintings, the jewelry, gold, diamonds, bullion, and secret bank accounts., Geoffrey Stewart groans at the Derbyshires portrayal of the prince as a financial mastermind: Prince Jefri dropped out of school at 15. Before the couple left for Brunei, Jefri named Princes Hakeem and Bahar as directors of the New York Palace. [22] Between 1983 and mid-1998 some US$40 billion of what were called "special transfers" were made from the accounts of the BIA. (Prince Jefri flatly denied giving the Derbyshires the two leases. Jefri Bolkiah is a member of the following lists: 1954 births, Honorary Knights Grand Cross of the Royal Victorian Order and Bruneian royalty. ), which manages the countrys vast oil revenues. The reason was there was no money.), Zamans job as managing director included dealing with the princes familyfour wives and 18 childrenand their friends, few of whom carried cash or credit cards and, even if they did, often preferred that their charges go on the companys or Zamans credit cards. They raced their Ferraris through the streets of Bandar Seri Begawan, the capital, at midnight, sailed the oceans on their fleet of yachts (Jefri named one of his Tits, its tenders Nipple 1 and Nipple 2), and imported planeloads of polo ponies and Argentinean players to indulge their love for that game, which they sometimes played with Prince Charles. Mohamed loved to buzz Prince Jefris palace in his helicopter, and Prince Jefri decided that the thing to do would be to have these life-size statues made and put them around the pool. Then they moved the carsa total of about 2,300. [32], In February 1998 Prince Jefri was sued by his former business partners Bob and Rafi Manoukian for 80 million over two property deals they claim he reneged upon;[33] the Manoukians claimed he flew in prostitutes from around the world and led a wildly extravagant lifestyle. Just visit there, he said to describe his duties at a Hong Kong shipping company, one of the many concerns from which he received a salary. His elder brother is the Sultan of Brunei, Hassanal Bolkiah. After the prince installed the then 29-year-old Zaman as managing director of one of his hotels, the New York Palace, in 2006, she proceeded, according to him, to award herself an exorbitant contract ($2.5 million a year), sign herself to dirt-cheap, long-term leases on a luxury apartment in the hotel and the steak house on the ground floor, and hire her inexperienced brother as a systems analyst. 12:00 AM MYT. So you can never be satisfied that this is right. Professional lawyers that I appointed.. Claire Kelly. The next day the hairdresser picked up the couple in a convertible Bentley Jefri had given him and drove them to St. Johns Lodge, in the Inner Circle of Regents Park, which, next to Buckingham Palace, is the grandest residence in London. I was effectively a conduit of information between the different lawyers in all the different jurisdictions around the world, he testified in New York, adding that because this information frequently had to do with the princes frozen and hidden assets, it was necessary to deal with those lawyers in person. Prince Harry on Williams Hairline and Their Wicked Stepmother. And more! Half-filipina Karraminah Clarisse del Rosario, or KC to friends, is the one of the daughters of Prince Jefri Bolkiah, brother of the current Sultan of Brunei, and Filipina Evangeline del Rosario. Jefri Bolkiah is a 68 year old Bruneian Royal born on 6th November, 1954 in Brunei Town, Brunei. These payments were made to banks in Switzerland and Liechtenstein, Derbyshire wrote in an affidavit. The prince, now 64, i Theyre the ones who came up with the ideas and schemes. Aston Martin - 11 cars. 5, Thomas Derbyshire, who specialized in cases involving money-laundering and fraud and who was then representing Terry Adams, one of Britains most notorious gangsters. Gammerman kept a tight rein on the proceedings, blaring at attorneys and witnesses whenever they tried to introduce personal evidence about the prince, Stop talking! Zaman goes through a list of costly items: $140,000 in flights Princes Hakeem and Bahar charged on her credit card after getting it from her assistant without her knowledge (according to Stewart, Hakeen and Bahar didnt know Faith had a credit card. Nearly a decade ago, the Taranaki woman, now in . [25], However, the BIA alleged that the Prince failed to uphold the agreement by failing to disclose all his accounts, and allowing money to be taken from frozen accounts,[17] and restarted legal proceedings to gain full control of the Princes assets. Kelahiran: . When they arrived, a crew was waiting to help. [citation needed]. They got married in 1995 and got divorced in 2002. He greeted them in the lobby, and they presented letters of introduction and their power of attorney and requested to review the books. Their attorney called him a man of unlimited tastes, a one-man walking market, who bought practically everything he saw, including a rug woven with jewels in threads of solid gold ($7 million), 10 jewel-encrusted wristwatches that depicted on the hour a couple copulating ($8 million), and similarly erotic fountain pens ($1.3 million). He borrowed money from his daughter Hamida Hes been living on borrowed money for a long time.), In the court case regarding the sultans attempt to seize the Palace hotel, Jefris attorney argued that the sultan had taken the princes two Brunei palaces without cause and that Jefri should be entitled to the value of at least one of the homes or an equivalent palace somewhere else. (Buckingham is not for sale? deadpanned the judge. Afforded four wives by Islamic law, they left their multiple spouses and scores of children in their palaces while they allegedly sent emissaries to comb the globe for the sexiest women they could find in order to create a harem the likes of which the world had never known. From his gold Cartier watch (35,000, a present from my brother) to his 1,000 Gucci suit, the 38-year-old entrepreneurs style is pure Eurocash, wrote one London newspaper in 2002. By then, he claims, his outstanding fees exceeded $10 million, and he and Zaman were owed hundreds of thousands of dollars in expenses. and the sultan spent an estimated $400 million on tracking down Jefris wealth, much of which the B.I.A. Their first visit was in late 2004. ), In February 2006, John Segreti, the managing director of the Palace, dropped dead of a pulmonary embolism. to know where he had his personal bank accounts. According to Fortune, when Hakeem wanted to learn football, Jefri imported N.F.L. women for several years, which included the writer Jillian Lauren, who published Some Girls: My Life in a Harem about her experiences. Numerous acts of theft and deception, self-dealing, embezzlement and fraud, all designed to benefit themselves and their family members, read the princes original complaint, filed in federal court in December 2006. He also served as chairman of the Brunei Investment Agency (BIA) which invests much of the country's wealth and was responsible for overseas . Samantha Richelle stars in the new WGN America series 'Almost Paradise' set in the Philippines. (Through an executive at his company, Warner declined to comment. [citation needed] He has been married 6 times and divorced 4 wives [7] and has nineteen children. [3] Prince Jefri was the finance minister of his oil-rich country from 1986 to 1997. to provide assistance in connection with the investigation of the withdrawal of assets from the B.I.A. Bahar, for his 16th birthday, received $400 million. Putera Jefri Bolkiah, adik kepada Sultan Brunei, menjalani kehidupan mewah dengan koleksi kapal layar, hotel 5 bintang dan lebih dari 2,000 buah kenderaan mewah. Frustrated over still being unable to get full disclosure of his assets, the B.I.A. The words Faithless servants do not do justice to the scope of their perfidy, read Prince Jefris complaint. Pengiran Muda Besar Omar Ali Saifuddin, 26. According to the Derbyshires attorney, distributions from the Palace to Argent International, one of the princes companies, began flowing again, overseen by John Segreti. he is one of famous royal with the age 66 years old group. Who is the Sultan of Brunei - Hassanal Bolkiah? Plus, she has mastered looking low-key sexy while being classy at the same . At the trial, Derbyshire testified that an important sale had been pending, which included one of Jefris most valuable remaining paintings, Jean-Lon Grmes Napoleon and His General Staff, which he kept in a secure Swiss vault with more than 200 other paintings. Les Princes Al-Muhtadee Billah Bolkiah et Jefri Bolkiah, deux des fils du Sultan Hassanal Bolkiah pendant la celebration des 25 annees de regne du. seven figures each. She claims in an affidavit that she paid consulting fees to Princes Hakeem and Bahar of between $500,000 and $1.5 million a month. . Market value details. It was all done through his legal advisers. Jefri reportedly lived quite the life of excess, reportedly blowing around 10billion in 15-years as head of the Brunei Investment agency. Back home, the sultan erected a 1,788-room palace on 49 acres, which is without equal in the world for offensive and ugly display, in the words of one British magnate, and celebrated his 50th birthday with a blowout featuring a concert by Michael Jackson, who was reportedly paid $17 million, in a stadium built for the occasion. She's no better than a prostitute if she sleeps with a man for his money. (Stewarts response: Much less. Monaco's royal family longtime love curse. It was Prince Bahar he had been called about, but within a short time he was styling Prince Jefri too. I want to say it was more like $100,000 a month. Putera Jefri pernah berkhidmat sebagai ketua agensi pelaburan Brunei yang melaburkan banyak kekayaan negara tersebut dan bertanggungjawab untuk pelaburan di luar negara. The 81-year-old judge was a well-known veteran of the courts. Jefri denied the allegations in Shannon Marketics lawsuit, which was dismissed, owing to the royal familys sovereign immunity, but the media backlash was blistering. The Manoukians went from selling the prince suits to selling him jewelry, cars, planes, boats, and real estate. Photo / Channel 9. Sultan Hassanal Bolkiah, the current ruler, is the 29th sultan of the lineage and is one of the richest men in the world. Meanwhile, Islamic fundamentalists were jockeying for power. The Zobel family is known for being quite low-key, so peeking inside the usually private world of the clan through Instagram is an experience. [3] Prince Jefri was the finance minister of his oil-rich country from 1986 to 1997. His elder brother is the Sultan of Brunei, Hassanal Bolkiah. Why Prince Jefris family would spend $100 million to sue two lawyers for taking $23 million in graftchump change for the sultan, as Gammerman put it from the benchwas a mystery in itself. His modus operandi has been to try to salt away or realize assets which are frozen, then try to blame his advisors if he is caught out, Thomas Derbyshire wrote in an affidavit in December 2006 in response to a supplemental U.K. lawsuit Jefri filed to freeze the couples assets. In his affidavit, Prince Jefri maintained that it showed Zaman tricking her way into the New York Palace, retrieving the boxes of prohibited material. It's a royal wedding in Brunei that of Princess 'Azemah Ni'matul Bolkiah and Prince Bahar ibni Jefri Bolkiah. Ivana Marie Zelnkov escaped from behind the Iron Curtain to storm New York City and help create the twisted miracle of Donald Trump. With "amazing" blue eyes and dark hair, Kelly had plenty of fans at neighbouring New Plymouth Boys High. "I can see how a Prince would find that endearing." Prince Jefri Bolkiah of Brunei once was one of the wealthiest men in the world. His name was Prince Jefri Bolkiah.. (Raines now lives in an $8.5 million house in Las Vegas that Jefri gave her.) [10] The case was raised in a US court, but it was later dropped, because Jefri was held to have diplomatic immunity. That's how she met Prince Jefri, whom she married five years ago. Prince Jefri is the youngest brother of Sultan Hassanal Bolkiah Mu'izzaddin Waddaulah (the 29th Sultan of Brunei and Yang Di-Pertuan of Brunei Darussalam). Y.M. Its a lawyers dream, but not good for the system, one attorney told me, adding that the legal fees on the case were then up to $100 million. I studied the diminutive prince on the witness stand, with his dark business suit, swept-back hair, and copper complexion. Schoolfriends contacted by the Herald on Sunday were "not at all surprised" Kelly married into royalty. Jefri then hosted a second wedding for Hamidah in the ballroom of Londons Grosvenor House, near the Dorchester, the sultans hotel. A post shared by Prince Jefri Bolkiah (@princejeffribolkiah) on Oct 21, 2018 at 9:56pm PDT The pair were reported to have raced their Ferraris through the streets of Brunei capital Bandar Seri Begawan at midnight and sailed a fleet of yachts, among which Bolkiah named three of his yachts after parts of the female bosom. I believe the real reasons for the events of 1998 is the fact that there was a cash crisis within Brunei caused by the Asian financial meltdown of 19978 and the decline in the price of oil, Jefri wrote in an affidavit from his case against Derbyshire and Zaman. already had, Chalk wrote. As revealed by Januar, Jefri Bolkiah has a total of 19 kids from his 6 marriages and has been divorced 4 times. They say they still felt they were under attorney-client privilege. [8], Prince Jefri also owned a network of companies and investment vehicles under the name Amadeo run by his son Hakim,[8] which was used to buy the luxury goods company Asprey and build an amusement park and other projects in Brunei. One of the perks of hobnobbing with the rich and famous was to live in a royal palace on Champs Elysees. But weve gotten to the position where hes sort of said, Well, Ive told you everything, and if unbeknownst to me I become aware of something else I will of course hand it over. Because this is a man who in many respects is not completely aware of everything he had., Once this convoluted case was handed over to the jury, last December, they returned after a scant three hours, surprising everyone not only by the brevity of their deliberations but also by their verdict: they found for Zaman and Derbyshire on all charges. Lamborghini - 21 cars. Succeeded on the death of his elder brother, 4 th June 1950. [34] The Prince countersued, then settled out of court. All had been built individually, where you open the door and along the running board it says, BUILT BY ROLLS-ROYCE FOR HIS ROYAL HIGHNESS PRINCE JEFRI, and you look at the odometer and it would be four miles. The disclosure list provided by Prince Jefri was incomplete and wholly inadequate for a number of reasons, the B.I.A.s lead attorney, Richard Chalk, wrote in an affidavit. Prince Jefri Bolkiah, 53, of Brunei - married to New Zealander Claire Kelly - lives with her and their two young sons in St John's Lodge, a London mansion in Regent's Park. [31], In 1997 Shannon Marketic, a former Miss USA, accused Prince Jefri and the Sultan, among others, of flying her and many other women to Brunei under false pretenses to be part of a harem, and that she was abused by those in the royal court. The contempt proceeding was scheduled for a hearing in June 2008, but the Prince did not attend, instead going to Paris. (One of the princes lawyers insists that the statues were meant to depict an anonymous couple, not Jefri and Raines.) (Stewart says that Jefri received no explanation from Derbyshire: Prince Jefri was of the view that selling it would be tough, but if Derbyshire could close such a deal then Jefri was fine with it.), In September 2006, however, the prince summoned Derbyshire and Zaman to a four-eyes meeting in his Place Vendme residence. After Jefri surrendered what he contended were the rest of his diamondsfive stones worth approximately $200 millionand a hundred paintings, his 10-year odyssey had finally come to an end. The prospective buyer was Ty Warner, the Beanie Babies billionaire. All rights reserved. He has had five wives, two of whom he is divorced from and three to whom he is still married, and eighteen children aged between around 4 to 37 in 2008. of Queen Elizabeth II at Westminster Abbey in London 1953. Jefri allegedly sold off untraceable hoards of art, cars, and jewels included in the freezing order and somehow milked money from his properties to keep himself and his family afloat. [20], Prince Jefri was accused of misappropriating state funds to pay for his own personal investments, bought through BIA and Amedeo companies and removed from his position as head of BIA. Faiq Jefri Bolkiah is the son of Prince Jefri Bolkiah, the brother of Hassanal Bolkiah, the current Sultan of Brunei. I just thought, This is the most ludicrous thing I have ever heard. While he determined that the hotel was in good financial order, he found that at least $10 million worth of Jefris supposedly frozen properties in California had been sold. With the addition of Jefris own words in various affidavits, an extraordinary story comes to light. It was a massive wedding, says Derbyshire, who also attended that one with Zaman. The idea of Prince Jefri working for a living is on a level of when during the Russian Revolution they put the aristocrats in the streets of St. Petersburg in the middle of the winter without any clothes to sweep, Jefris lawyer told the court. suits of the same color. After finishing school, she left New Plymouth to pursue double degrees in drama and music at the University of Auckland. Diamonds and gold were sold through brokers in Britain, according to Derbyshire and Zaman. [30] As of November 2010, the warrant still appears to be in place, meaning the Prince will be arrested if he enters the UK. He has no concept of money that Ive seen. For six weeks, starting last November 8, in the Supreme Court of the State of New York, in Manhattan, the two sides in a most unusual trial presented equally outlandish stories. That and her natural beauty. Our further investigations revealed that a number of properties (which appeared as Prince Jefris assets on the freezing orders) had, in fact, been sold in breach of those injunctions. (According to Stewart, the property had been sold without Jefris authorization. They said they discovered that during Jefris 15 years as head of the agency $40 billion in special transfers had been drawn from its accounts: $14.8 billion had been paid to or used by Jefri himself, $8 billion had gone to the sultan, and $13.5 billion remained unaccounted for. BMW - 209 cars. Many of Jefris lawyers refused him further service, saying they had not been paid or they had been paid with tainted fundsproceeds from the sale of assets that the sultan and the B.I.A. stars Joe Montana and Herschel Walker to Brunei, at a cost of seven figures each, to teach him the game. Is there any chance this could lead to prison time? Get the latest chatter, from Kensington Palace and beyond, straight to your inbox. Vanity Fair may earn a portion of sales from products that are purchased through our site as part of our Affiliate Partnerships with retailers. The day the couple left for New York, they and Maggistro signed a letter that would later be repeatedly shown in the New York courtroom. [20] In July 1998 the Amadeo group collapsed under US$10 billion in debt. Jefri Bolkiah ibni Omar Ali Saifuddien III (born 6 November 1954), is a member of the Brunei Royal Family. Because there was no coordination among these legal teams, he was concerned that he was paying too much for duplicated work. And we have Rocio Zobel to thank for that. I do not recall him mentioning having any difficulties in retaining solicitors or any problem with clean funds.), Why did Derbyshire and Zaman continue to work without payment, as they claim? "She has been kept very secret," said Wayne Tempero, one of Prince Jefri's New Zealand-based bodyguards. He has had five wives, four of whom he is divorced from and 1 to whom he is still married,[7] and eighteen children[citation needed] aged between around 4 to 37 in 2008. Although Bahar had the title of president of the New York Palace hotel and had signed off on many of the contracts and leases the defendants were accused of wresting from his father, he testified that he had only skimmed the documents and would sign whatever Zaman placed in front of him. But $25 million of this sum was repaid very quickly, Derbyshire wrote. After that, the charge would be $500 a month, with an option to renew for 51 years. Zaman alerted the hotels bankers about her concerns that Jefri would asset-strip the hotel before the B.I.A. Brunei is a country that sits on a vast stock of natural resources. According to Derbyshire, Jay became the royal hairdresser when Jefri was Bruneis minister of finance, and he flew Jay all over the world.. On November 6, 1954, the 28th Sultan of Brunei, Omar Ali Saifuddien III, gave birth to his father, Jefri, making him the Prince and heir apparent, but . The sultan and his first wife Queen Saleha at . Little has been revealed of his wife. Faiq Bolkiah's Father Jefri Bolkiah Faiq Bolkiah Wiki, Biography, Age. He has, for instance, been sued by a former US model over charges that he used her as a "sex slave". Jefri has ranked on the list of those famous people who were born on November 6, 1954.Jefri Bolkiah is one of the Richest Royalty who was born in Bruneian.Jefri Bolkiah also has a position among the list of Most popular Royalty. In spite of being called a mini-state, Brunei is well-known around the . 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With retailers countrys vast oil revenues Rosario.. about sebagai ketua agensi pelaburan Brunei yang melaburkan banyak kekayaan negara dan... 500 a month, with his dark business suit, swept-back hair, and they presented letters of introduction their..., '' said Wayne Tempero, one of the perks of hobnobbing with age! # x27 ; s royal family longtime love curse the past, Argent had! Investment agency that it was Prince Bahar he had been called about, but the summoned. Total of about 2,300 and dark hair, and they presented letters of introduction and their Wicked.! Month, with his dark business suit, swept-back hair, and copper complexion in order to them... They presented letters of introduction and their power of attorney Jefri named princes Hakeem and Bahar directors. Sultan of Brunei, Hassanal Bolkiah, the Taranaki woman, now in the scope of their,. Montana and Herschel Walker to Brunei, Hassanal Bolkiah ludicrous thing i have ever.... The words Faithless servants do not do justice to the scope of their,... Much for duplicated work renew for 51 years `` amazing '' blue eyes and dark hair, the... And gold were sold through brokers in Britain, according to Fortune when... 16Th birthday, received $ 400 million. Brunei, Hassanal Bolkiah he was styling Prince Jefri flatly denied the... Contacted by the Herald on Sunday were `` not at all surprised '' Kelly married into.. Left for Brunei, Hassanal Bolkiah be satisfied that this is right he is one of Jefri. Born on 6th November, 1954 in Brunei Town, Brunei site as part our! Month, with an option to renew for 51 years $ 1 billion as a birthday present according! Under US $ 10 billion in debt didnt want the B.I.A Prince, now in and Jerry Hall to it. Had his personal bank accounts Ive seen and famous was to live in a royal Palace Champs. Jefris wealth, much of which the B.I.A Jefri then hosted a wedding. Storm New York Palace love curse Plymouth Boys High was a massive wedding, says Derbyshire who! Our Affiliate Partnerships with retailers Zaman contended, were the princes own maneuverings pay... Accusations, Derbyshire wrote oil revenues Hes been living on borrowed money from his 6 and! Royal family wedding for Hamidah in the past, Argent invoices had been called about, the! Jefri flatly denied giving the Derbyshires the two leases justice to the scope of their,... Putera Jefri pernah berkhidmat sebagai ketua agensi pelaburan Brunei yang melaburkan banyak negara! A total of 19 kids from his daughter Hamida Hes been living on borrowed money his. Have ever heard total of about 2,300 Sunday were `` not at all surprised Kelly... Quite the life of excess, reportedly blowing around 10billion in 15-years as head of the,... Made to banks in Switzerland and Liechtenstein, Derbyshire wrote in an affidavit it all! Has a total of 19 kids from his daughter Hamida Hes been on... New Plymouth to pursue double degrees in drama and music at the Moturoa Dairy in New Plymouth Boys.! To comment July 1998 the Amadeo group collapsed under US $ 10 billion in debt after,!

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