(Updated as of March 7, 2009--right click then select "reload" or "refresh" to see the current Program details)

Christian Financial Ministries (CFM)

2009, Three-Phase, Bible-Based Georgia Financial Literacy Outreach Program

Introduction

Three Phase Program Details

Fully Funded Sponsors

Partially Funded Sponsors

Christian Financial Ministries Fact Sheet

Biographic Sketch of Rev. Bob Louder, CFM President

Georgia-Marietta

INTRODUCTION

Program Overview

  • Program Goals
    • Provide a complete, perpetuating, Bible-based financial literacy program to Georgia Residents
    • Start the Cobb County/Atlanta Metro area Test Program in March, 2009
  • 2009 Test Objectives for 2009
    • Teach eight "Your Finances in Perilous Times" seminars (biblical financial principles) to 384 individuals/families
      • Friday evenings and Saturday mornings starting March 20-21
      • Based on seminar script CFM wrote for Larry Burkett and Christian Financial Concepts
    • Provide Personal Financial and Life Coaching services to 307 individuals/families
      • Dave Ramsey certified coaching
      • Professional behavioral and relational assessments and applications
      • Follow-up provided over time as needed
    • Train and certify six financial coaches to serve under the authority of their local church
      • Initial two-day seminar and workshop
      • 8:30 A.M. to 4:30 P.M. on two consecutive Saturdays starting in June
      • Scheduled quarterly/semi-annual continuing education and networking workshop
    • NOTE: These are unique programs designed to supplement, not replace, either the Crown Ministries Small Group Program or the Dave Ramsey Financial Peace University

Specific Measurable Activities to Accomplish Objectives: The participants will...

  • Attend Seminar
  • Participate in individual coaching
  • Collaborate to resolve immediate financial crises
  • Prepare and start to live on a budget
  • Open and manage checking and savings accounts
  • Establish a temporary $500-$1000 emergency fund
  • Prepare and act on a written plan to get out of consumer debt
  • Maximize employment opportunities
  • Learn how to shop for major purchases
  • Establish a permanent 3-6-month expenses in a savings account
  • Understand and purchase appropriate levels of required insurance
  • Start to plan for college, investing and retirement
  • Attend Financial Coaching Seminar and Workshop
  • Volunteer as a church financial coach

Summary Benefits To Individual, Families and the Community

  • Individuals and families will learn Godly principles, receive Godly counsel and apply Godly applications to help deal with root problems not just treat spiritual and financial symptoms, get on a budget, set realistic goals, and help make things right for them and their families--spiritually, financially, relationally and emotionally--for good!
  • Individuals and families will have a written financial plan and an emergency fund with 3-5 months, be giving above the tithe and be debt free except for their home within 3-5 years, and own their home and be saving for college and/or retirement within 7-10 years.
  • Selected individuals will serve as Certified Bible-Based Financial Coaches under the authority of their sponsoring churches and/or Christian Financial Ministries.
  • The ultimate outcome goal is to help families gain spiritual and economic strength and self-sufficiency. This will result in more successful marriages where couples stay together and where their children benefit from improved home-life. Parents without financial stress are expected to have more time for each other and for supporting their families emotionally. For example, arguing will decrease and good communications will increase. Non-custodial parents, especially fathers, will be restored to safe and supportive roles in their families. Children in such families will be able to do better in school and life because the focus can return to them rather than on survival skills.

Community Impact

  • Participants will be in a better position to be blessed and become blessings to others
  • Spiritual and financial lives starts to grow again
  • Relationships and marriages re-energize, families strengthen
  • Debts are paid
  • Threats and fears of bankruptcies and foreclosures go away
  • Clients get out of debt, stay out of debt, then work to build and pass-on wealth
  • Community social service requirements go down
  • State and community sales tax/income tax proceeds to up
  • Church giving and tithing go up

Measured Results

  • Pre- and Post-Tests
  • Written individual process/progress accountability for up to six months

Existing Partnerships

  • Chase Bank 2009 grant , other grants pending
  • Cobb Community Collaborative (CCC)
    • The CCC "...is a well established non-profit whose mission is to convene stakeholders to facilitate the sharing of ideas, expertise and resources to meet the needs and resolve issues in Cobb County." The CCC represents the elected Cobb County Board of Commissioners for community grant awards
    • 125 members, organizations and partners
    • CCC will provide direct community promotion support to obtain/refer Seminar participants
    • Note: President of Christian Financial Ministries is the immediate past Chair of the CCC Finance Committee and member of the board of Directors
  • Cobb Faith Partnership (CFP)
    • Cobb Faith Partnership (CPF) promotes unity in sharing God's love in Cobb County. In communicating, connecting, and promoting the outreach efforts of churches and faith-based ministries, CFP works to develop collaborative solutions to pressing issues such as homelessness, poverty, and community development
    • 150 members, organizations and partners
    • CFP will provide direct community promotion support to obtain/refer Seminar participants
  • Network of existing and potential church and other faith-based partners
  • Lampo Group (The Dave Ramsey organization)
    • Dave Ramsey is a personal money management expert, is an extremely popular national radio and television Christian personality and New York Times best-selling author
    • Christian Financial Ministries receives a great number of referrals through the Dave Ramsey organization
    • We use/adapt many of Dave Ramsy's books and materials

Manpower Requirements

  • Christian Financial Ministries will initially dedicate two existing positions to start the Test Program.
    • Rev. Bob Louder, Christian Financial Ministries President
    • Mrs. Becky Pitts, Personal and Financial Life Coach
  • Given the promised community support, we anticipate we will fill each Phase One Seminar and will exceed estimated participation levels for Phases Two and Three
  • This being the case, within four months we will hire and train additional coaches. Reverend Louder will then serve exclusively as a seminar/workshop presenter.
  • All Financial and Life Coaches will be paid on an hourly basis until the Program is firmly established and funded

Estimate Program Costs and Funding for 2009 and 2010

  • Total estimated costs for 2009: $102,174
  • Total estimated costs for 2010: $107,000 (2009 cost plus additional Phase Three)
  • Funding
    • Received $55,100 grant from Chase Bank for 2009
    • Requesting additional grant support from other sources
    • Transition to community funding starting within 32 months

THREE PHASE PROGRAM DETAILS

Phase One--"Your Finances In Perilous Times" biblical financial principles seminar. Based on the seminar CFM wrote and presented world-wide in conjunction with our longstanding working relationship with Larry Burkett and Christian Financial Concepts (now Crown Financial Ministries).

  • PowerPoint presentation, note taking syllabus, CD recording of actual seminar
  • Teach 384 individuals
    • 48 at each of eight seminars
    • Friday evenings and Saturday mornings starting March 20-21
    • Following Seminars to be scheduled for April, May, June, August, September, October and November
  • Participant Selection
    • Criteria
      • Funded or Partially Funded Sponsor nominated
      • Full-time or equivalent employment
      • Both spouses must attend
    • Selection Process
      • Detailed Personal Application
      • Preference given to those attending or have successfully completed the Dave Ramsey Financial Peace University and/or the Crown Ministries Financial Small Group Program
      • CFM Selection Committee
      • Limit to 48 per seminar
      • Those not selected will be re-considered for the next seminar
    • Metrics
      • 100% Seminar fill rate (48 individuals to attend each seminar)
      • 80% attendees successfully complete Seminar, including a Post-Test, and enter into Phase Two (307)
      • If attendees don't complete and/or pass Post-Test then they can apply to attend another seminar

Phase Two "Personal Financial and Life Coaching Program" One-on-one financial and life coaching over time to apply biblical financial principles. Developed and based on our continuing relationship with the Dave Ramsey organization.

  • Description: Please see the "Personal Financial and Life Coaching" link on our Internet front page for details.
  • Prerequisites
    • Participants must successfully complete Phase One
    • No participation number limitations
  • Metrics
    • 80% of those in Phase One to enter Phase Two (307)
    • 80% of those who enter to successfully complete (245)
      • Pass Post-Test
      • Establish an initial emergency fund
      • Prepare and start living on a written budget
      • Establish and effectively maintain banking relationships
      • Maintain accountability with coach for six month

Phase Three: "Bible-Based Financial Coach Training, Certification, and Continuing Education Program" People learning to help people over time with community and CFM accountability.

  • Financial Coach Training Seminar and Workshop
    • Prerequisites
      • Successfully complete Phases One and Two
      • CFM Selection Committee to allocate spaces
      • If not selected then reconsidered for next Phase Three
    • Two-day seminar and workshop to train individuals to understand, learn and apply personal financial coaching and mentoring services under the authority of their sponsoring church and/or CFM
    • Modeled after the Dave Ramsey Certified Counselor program and the Teacher Counselor Training Workshop CFM helped develop and offered worldwide for Larry Burkett and Christian Financial Concepts (now Crown Financial Ministries)
    • Content: Yet to be finalized
    • Offered in June and/or October 2009
    • Two consecutive Saturdays, 8:30 AM to 4:30 PM with seven teaching/role playing hours each day
    • PowerPoint presentation, note-taking syllabus, and CD of Seminar/Workshop
    • Pre-Test and Post-Test
    • Those who successfully complete the Seminar/Workshop receive a renewable, one-year "Bible-Based Church Financial Coaching Certification" certificate
  • Coach Certifications
    • Customized for each Fully-Funded or Partially-Funded Church/organization Sponsor
    • Requires written Church Sponsorship Agreement
  • Coach Continuing Education and Mentoring
    • Quarterly/Semi-Annual Continuing Education and Networking Program (to be developed)
  • Metrics
    • 6% of coaching program graduates selected (CFM Selection Committee) to enter into Phase Three (15)
    • 80% of those who enter Phase Three will complete Phase Three (12)
    • 50% of those who complete serve in their local church for a minimum of six months (6)

FULLY-FUNDED SPONSORS

Limited number of 2009 Fully-Funded Test Sponsors

  • Limited to ten Cobb County churches or other Faith-Based Organizations
  • Initially offered to existing Cobb County Church or Faith-Based Partners

Fully-Funded Sponsor Benefits ($4262.50 in FREE Registrations, plus additional Discounted Registrations)

  • "Your Finances In Perilous Times Seminar"
    • FREE Registrations: Maximum of 18
    • 30% Discount for each additional $65 Registration: Maximum of 18
  • "Personal Financial and Life Coaching "
    • FREE Registrations: Maximum of 7
    • 10% Discount for each additional $287.50 Registration: Maximum of 20
  • "Financial Coach Training Seminar and Workshop"
    • FREE Registrations: Maximum of 6
    • 50% Discount for each additional $130 Registration: Maximum of 6
  • Continuing Education for Certified Coaches
    • FREE Registrations: Maximum of 6
    • 50% Discount for each additional $50 Registration: Maximum of 6
  • "Personal Financial and Life Coaching Newsletter"
    • FREE Subscriptions: Unlimited
    • Sponsor staff and membership
  • Excellent follow-up to any of the several Crown Teaching Solutions available to teach church members how to handle money God’s way.
  • Excellent follow-up to the Dave Ramsey Financial Peace University. The Financial Peace University is a life-changing program that teaches individuals and families how to make the right decisions with their money. People become empowered with the practical skills and confidence needed to achieve their financial goals and experience true financial peace!
  • Paid professional Christian coaches and presenters who are highly accountable to the Sponsors

Fully-Funded Sponsor Requirements

  • Select and send one individual or family (one to four individuals as mutually agreed) to each of eight 2009 Seminars starting with the March 20-21 Seminar
    • Subsequent Seminar schedule will be set soon
    • Both spouses, if married, must attend the seminar and receive coaching
    • Individual/family must have a regular income
  • Promote the selection and registration process within the Church or Organization as mutually agreed
  • Set and collect financial investments from proposed program participants
    • We ask that each participant make a financial investment into their education and training
    • The Sponsor and the participant will mutually agree on the amount of this investment (we set no minimums)
    • Sponsor to keep one-half of the financial investments to help off-set any promotional expenses
  • Appoint a CFM Single-Point of Contact
    • Coordinate selection and registration process
    • Coordinate participant financial investments
    • We strongly recommend that the CFM Single-Point of Contact be the first person to participate in Phases One and Two.

PARTIALLY-FUNDED SPONSORS

Limited number of 2009 Partially-Funded Test Sponsors

  • Limited to ten Atlanta metro-area Partially-Funded Program Shares.
  • Partially-Funded Program Sponsors may choose more than one Program Share
  • Initially offered to existing Atlanta metro area Church or Faith-Based Partners
  • Partially-Funded Sponsors are first to become Fully-Funded Sponsors

Partially-Funded Sponsor Per Share Benefits

  • "Your Finances In Perilous Times Seminar"
    • FREE Registrations: Maximum of 18
    • 30% Discount for each additional $65 Registration: Maximum of 18
  • "Personal Financial and Life Coaching "
    • FREE Registrations: Maximum of 7
    • 10% Discount for each additional $287.50 Registration: Maximum of 20
  • "Financial Coach Training Seminar and Workshop"
    • FREE Registrations: Maximum of 6
    • 50% Discount for each additional $130 Registration: Maximum of 6
  • Continuing Education for Certified Coaches
    • FREE Registrations: Maximum of 6
    • 50% Discount for each additional $50 Registration: Maximum of 6
  • "Personal Financial and Life Coaching Newsletter"
    • FREE Subscriptions: Unlimited
    • Sponsor staff and membership
  • Excellent follow-up to any of the several Crown Teaching Solutions available to teach church members how to handle money God’s way.
  • Excellent follow-up to the Dave Ramsey Financial Peace University. The Financial Peace University is a life-changing program that teaches individuals and families how to make the right decisions with their money. People become empowered with the practical skills and confidence needed to achieve their financial goals and experience true financial peace!
  • Paid professional Christian coaches and presenters who are highly accountable to the Sponsors

Partially-Funded Sponsor Per Share Contribution to CFM

  • $3,000 one-time or $250 per month for 12 months
  • Per Share, you receive $4262.50 in FREE Registrations--a 30% savings--PLUS additional Discounted Registrations.)
  • Sponsor may drop at any time

Partially-Funded Sponsor Requirements

  • Select and send one individual or family (one to four individuals as mutually agreed) to each of eight 2009 Seminars starting with the March 20-21 Seminar
    • Subsequent Seminar schedule will be set soon
    • Both spouses, if married, must attend the seminar and receive coaching
    • Individual/family must have a regular income
  • Promote the selection and registration process within the Church or Organization as mutually agreed
  • Set and collect financial investments from proposed program participants
    • We ask that each participant make a financial investment into their education and training
    • The Sponsor and the participant will mutually agree on the amount of this investment (we set no minimums)
    • Sponsor to keep one-half of the financial investments to help off-set any promotional expenses
  • Appoint a CFM Single-Point of Contact
    • Coordinate selection and registration process
    • Coordinate participant financial investments
    • Coordinate Program Share payment or payments
    • We strongly recommend that the CFM Single-Point of Contact be the first person to participate in Phases One and Two.

CHRISTIAN FINANCIAL MINISTRIES FACT SHEET

THE VISION

Glorify God as we prayerfully help people become financially free to better share the love of God through Jesus Christ.

THE MISSION

Formal: The God-given Mission of Christian Financial Ministries is to help individuals, families, churches, and small businesses learn to manage their spiritual, financial, and relational journey to “Debt Free Living God’s Way” by successfully identifying, correcting, and overcoming root spiritual, financial, and relational issues rather than just treating the symptoms. We accomplish this mission through the use of technology, the Internet, and by leveraging the spiritual gifts God gives His people. Clients and counselees receive the highest quality, highly accountable, Bible-based and non-Bible-based financial and relational teaching, training, counseling, coaching, and mentoring services and products that:

  • Help people come to, or come back to, a personal and growing relationship with God through Jesus Christ,
  • Strengthen the family, and
  • Proclaim the Gospel of Jesus Christ around the world.

Informal: God works through Christian Financial Ministries to help individuals, families, churches, and small businesses

  • Keep their finances out of bankruptcy, their homes and businesses out of foreclosure, and their marriages out of divorce;
  • Build strong, Godly relationships; and
  • Grow and pass on wealth.

THE TRENDS

  • More than half of all American families are delinquent on their credit card payments. (American Bankers Association)
  • Families are on track to break record-setting annual bankruptcy filings. Four out of ten adults say, “It seems impossible to get ahead because of the financial debt I have.” (Barna)
  • A mother earning less than $18,500 per year heads most single parent homes. Almost 90% of all welfare recipients live in single parent homes. (Barna)
  • Churches are forced to cut vital services due to a decline in giving. (Barna).
  • Missionary candidates are kept at home due to the excessive personal debt of those who would “send” and those who would “go”.
  • Only three of the 1002 adults interviewed in a recent Barna survey (less than .03%) held firm and biblically consistent beliefs. Almost 90% of adults surveyed believe they know all of the basic teachings of Christianity very well. However, when you explore what they think the Bible actually teaches—many theological inconsistencies and inaccuracies emerge.

THE DILEMMA

Christians and non-Christians need help. Unless these negative trends reverse, families will continue to hurt:

  • Approximately 40% will continue to overspend each month
  • 20% will remain on the verge of divorce
  • 55% of all marriages will end in divorce due in large part to financial difficulties.

THE SOLUTION

There is hope in God’s Word. Sound financial management is smart spiritual warfare! Jesus said, “If you keep my commandments, then you are truly disciples of mine. You shall know the truth, and the truth shall make you free” (John 8:31-32). The Bible contains more than 2,350 verses that address in very practical, specific ways the earning, saving, spending, investing, and giving of money. Biblical principles apply today whether we have a little or a lot, if we are single or married, or if we are young or young at heart.

THE MINISTRY

Christian Financial Ministries (CFM) is a singularly unique, full-time, Bible-based financial education, teaching, training, coaching, mentoring, and counseling, IRS approved nonprofit, nondenominational ministry. We are spiritual counselors who deal almost exclusively in the area of finances. With CFM, high personal accountability is not an option. It is required. CFM started in 1987 and incorporated in 1991. We are associated with the American Association of Christian Counselors, American Association of Debt Management Organizations, American Family Association, Christian Financial Professionals Network, Christian Legal Society, Cobb County Community Collaborative, Cobb County Faith Partnership, Georgia Board of Examiners for Christian Counselors and Therapists, Georgia Christian Counselors Association, National Institute For Financial Counseling Education, Dave Ramsey, Crown Financial Ministries, The Department of Housing and Urban Development (HUD), and The Georgia Department of Community Affairs. CFM holds Certificate No. FS 59958 and operates a quality management system which complies with the requirements of BS EN ISO 9001:2000. CFM undergoes annual certified financial audits by a licensed CPA firm. CFM meets or exceeds all applicable federal, state, and local statute, licensing, insurance and bonding requirements.

Who We Serve

We serve according to Matthew 25:31-46. Jesus tells us the importance of serving others in need. Who we serve is not important. What is important is that the “who” is in need. Therefore, we serve individuals, families, churches, businesses, and other para-church ministries in the United States, Canada, and around the world. We serve regardless of race, religion, sex, creed, age, color, disability, or national origin. We serve counselees regardless of whom they owe, the amount they owe, or their ability to pay of our services.

Staff

Our staff members are paid, licensed, ordained, certified, and/or highly trained professionals who have a heart for ministry service. Our staff undergoes consistent continuing education and training to improve our proficiency and performance.

Funding/Cost of Services

We are a faith ministry that receives voluntary tax-deductible gifts from the counselees, creditors, Support Partners, and Church Partners we serve. We provide many of our services and products for free or for greatly discounted prices.

Services

  • We PRAY individually and as a staff. We pray with our counselees. We host an International Prayer Team.
  • We offer EDUCATION (the best education media and materials from CFM and other outstanding authors), TEACHING (educators make simple things complex—our teachers make complex things simple!), TRAINING (hands-on applications using personal financials), COACHING (inquiring, questioning and accountability that help individuals think more clearly, gain alternative perspectives, and focus on needs), MENTORING (takes coaching to the next level by providing educational instruction and direction in the area of personal finance), and COUNSELING (help to understand how to communicate to make better financial decisions). We have appeared and taught on local and national radio and television. We publish weekly newsletters and monthly articles that appear in local, regional, and national magazines, newspapers, and Internet forums.
  • DIRECT CREDITOR NEGOTIATIONS : Where needed, we offer certified and IRS approved consumer credit counseling services to help qualified individuals work with their unsecured creditors to help lower monthly payments, and stop or cut interest rates, late fees, over limit fees, and collection calls. We help arrange one low monthly debt payment with no new loans or bankruptcy.
  • FORECLOSURE PREVENTION : Our HomeSavers Department has more than 12 years experience helping people save their homes from foreclosure without bankruptcy, new loans, or paying all the past due payments up front.
  • RELATIONSHIP THERAPY FOR INDIVIDUALS AND COUPLES: Financial difficulties are the number one cause of divorce in our country today. One of our goals is minister to the “whole person.” Therefore, we partner with licensed professional relational counselors and therapists so people receive both the financial AND the relational help they need.
  • COMMUNITY CONSULTATION SERVICES AND PARTNERSHIP PROGRAMS with local faith-based and secular organizations. We provide Church Benevolence Support Coaching for local churches.
  • HUD APPROVED HOUSING COUNSELING AND EDUCATION
  • FINANCIAL COACHING FOR GRADUATING UNITED STATES AIR FORCE ACADEMY CADETS
  • FINANCIAL COACHING FOR ORDAINED AND LICENSED PASTORS AND RELIGIOUS WORKERS

Looking Forward

We started the year operating from our newly leased and refurbished office and teaching facilities located in the heart of the Marietta Georgia community we serve. This year, God willing, we will continue to leverage technology and the Internet to develop a new primary and several new secondary Internet sites. We will seek grant support to develop and test a "Georgia, Three-Phase, Bible-Based, Financial Literacy Outreach Program" in association with the 117 members, organizations, and partners of the Cobb Community Collaborative; the 150 members, organizations, and partners of the Cobb Faith Partnership; and other Churches and faith-based organizations. We will seek financial support to offer bookkeeping and income tax preparation services to individuals and small businesses. We will work to reinstate legal document preparation services to include wills, medical powers of attorney, and financial powers of attorney. Finally, we will strive to have bilingual services in place by the end of 2009.

Fantastic Successes

We believe our services and tools put people in a position to be used and blessed by God. We see it happen time after time. Lives change when people come to, or come back to, a personal relationship with God through Jesus Christ. Relationships and marriages re-energize. Funds are freed up to meet individual needs and the needs of others. And in the process the Gospel of Jesus Christ is lovingly proclaimed and the timeless wisdom of Scripture is again revealed.

If God does not work through the tools, the tools fall far short. For example, secular consumer credit counseling agencies offer many of the same tools (free budget counseling, seminars, individual and small group counseling, etc.). However, secular consumer credit counseling agencies generally retain only 50-55% of their clients each month. This means 45-50% of those on debt management programs “drop” the program each month without getting out of debt. We started offering limited consumer credit counseling services in 1997. We have tracked our retention rates since July 2000. Our average monthly retention rate is 97% (96.4% lowest, 99.3% highest). This means that when people work with us, they stick with their debt elimination program until they are debt free. God’s Word presented, received, and applied, makes the difference.

CONCLUSION

The symptoms of financial bondage often hold hostage a person’s ability to recognize and deal with root spiritual issues. Since 1987, God has worked through Christian Financial Ministries by using individual coaching, seminars, radio, television, and the Internet to help countless individuals, families, churches, and small businesses successfully identify and overcome root spiritual issues, learn and apply Bible-based financial principles to get out of debt, then grow and pass on wealth.

Biographic Sketch

Rev. Robert B. Louder, Sr.

President, Christian Financial Ministries

Scholar: A Distinguished Military Graduate from the University of Nebraska, MBA through the Air Force Institute of Technology from the University of North Dakota, Air War College

Soldier: Bob retired in 1992 as a United States Air Force Lieutenant Colonel after 23 years of service which included three command positions and an appointment as an Ambassadorial level international lead negotiator.

Businessman/Entrepreneur: During and following his military career, Bob founded and developed five start-up ventures into successful operations. Bob developed instructional/media materials for Christian Financial Concepts and Focus on the Family. He is a contributing author for The American Family Association, The Christian Post, and several Christian newspapers and magazines. Bob has appeared on the 700 Club and with the late Dr. D. James Kennedy.

Minister: Founder and CEO of Christian Financial Ministries, Inc., Licensed Minister through the International Ministerial Fellowship, certified Navigator discipleship/small group leader, certified Crown Financial Ministries trainer/teacher/counselor, Evangelism Explosion trained, prison ministry experience, church lay leader and Elder Board experience. Bob and his family actively support First Baptist Church in Woodstock Georgia.

Personal: Bob and Debbie (his wife) moved to Marietta, Georgia in 1992 to enter into full-time ministry. They have two sons, two daughters, one grandson, and one granddaughter. Debbie is a full-time wife and mother, has home schooled, is a Community Bible Study leader, and is also a Registered Nurse. Bob and Debbie are active in their church and enjoy travel and cross country skiing.