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The Ultimate Bundle by Sam Vander Wielen

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The Ultimate Bundle by Sam Vander Wielen

Introduction

The Ultimate Bundle by Sam Vander Wielen is a comprehensive legal education program designed to help online business owners, coaches, and creatives legally protect their businesses without expensive attorney fees. Created by Sam Vander Wielen, a former corporate litigation attorney admitted to practice in New Jersey and Pennsylvania, this bundle combines legal templates, video training, and step-by-step guidance across 7 core modules plus extensive bonus content. The program covers everything from business formation and contracts to intellectual property protection and client management.


Here's What You Get

📊 Course Stats:

74 video lessons | 106 downloadable PDFs | 27 documents | 26h 43m 23s of content | 6.43 GB total

✅ Module 1: Business Formation & Registration — Complete guidance on forming your LLC, getting your EIN, understanding business entities, and meeting local registration requirements (11 videos, 1h 44m 38s)

✅ Module 2: Financial & Insurance Setup — Training on setting up business bank accounts, taking payments, and securing proper business insurance coverage (4 videos, 1h 05m 09s)

✅ Module 3: Website Policies & GDPR Compliance — Comprehensive training on website policies, legally compliant copy, GDPR requirements, and email list building (6 videos, 1h 55m 55s)

✅ Module 4: Contracts & Legal Agreements — Everything you need to know about contracts, including how to send, sign, review, and what must be included in all agreements (6 videos, 46m 32s)

✅ Module 5: Client Management & Services — Legal guidance for working with clients 1-1, running group programs, offering courses and memberships, handling non-payment, and managing refunds (9 videos, 2h 08m 20s)

✅ Module 6: Intellectual Property Protection — In-depth training on copyright, trademarks, protecting your content from copycats, and legally sharing others' content (4 videos, 1h 48m 45s)

✅ Module 7: Scaling Your Business — Training on running affiliate programs, hiring independent contractors, and becoming an S-Corp (3 videos, 43m 45s)

✅ Legal Email Template Pack — 6 videos and 3 customizable email templates for handling legal situations via email (1h 01m 17s)

✅ 15 Done-For-You Contract Templates — Including 1-1 Client Contract, Independent Contractor Agreement, Group Program Contract, Privacy Policy, Terms & Conditions, Website Disclaimer, Terms of Use, Affiliate Agreement, Copywriter Services Agreement, Social Media Manager Agreement, Shop Policy, Testimonial Release, and more

✅ Bonus Training Library — 10 bonus videos covering Instagram strategies, diversity and inclusion, accounting Q&A, retreat contracts, affiliate programs, money mindset, cease and desist letters, and late payment recovery (10h 55m 59s)


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✅ Verified Content — Every module and resource included exactly as listed, or your money back

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✅ 30-Day Money-Back Guarantee — Complete refund if you're not satisfied, no questions asked


What You Will Learn in The Ultimate Bundle

✅ How to properly form an LLC using Sam's step-by-step business registration system, including obtaining your EIN, understanding sole proprietorship vs. LLC structures, and navigating Beneficial Ownership Information (BOI) federal requirements

✅ How to legally protect your online courses, memberships, and digital products with proper Terms of Use templates designed specifically for business and wellness industries

✅ The complete GDPR compliance system for online business owners, including Part 1 (understanding requirements), Part 2 (implementation strategies), and Part 3 (ongoing compliance maintenance)

✅ How to handle copycats who steal your content using Sam's proven framework, including when to send cease and desist letters and how to protect your intellectual property without litigation

✅ The critical scope of practice boundaries every coach must understand to avoid unauthorized practice claims and legal liability

✅ How to pre-qualify clients before working together to prevent legal headaches, payment issues, and boundary violations down the road

✅ The exact contract clauses that should be in every client agreement now, based on current legal requirements and best practices for online service providers

✅ How to legally structure and run affiliate programs that comply with FTC disclosure requirements and protect your business from liability

✅ The complete system for reviewing contracts that others send to you, so you can identify red flags, negotiate better terms, and protect your interests

✅ When and how to offer refunds to clients and customers in a way that protects your business while maintaining positive relationships

✅ How to legally share other people's content on social media and in your marketing without violating copyright law

✅ The step-by-step process for trademark registration to protect your business name, logo, and taglines from competitors


Who Should Take The Ultimate Bundle?

  • New Business Owners Overwhelmed by Legal Requirements — You've started your coaching or creative business but feel paralyzed by the legal aspects. You're not sure if you need an LLC, what contracts you should be using, or whether your website policies are actually protecting you. This bundle gives you Sam's proven roadmap to get legally compliant without spending thousands on attorney consultations, with specific training on business formation, required registrations, and the exact templates you need for your business model.
  • Established Coaches Operating Without Proper Legal Protection — You've been running your coaching practice for a while using free contract templates from the internet or no contracts at all. You're growing your business but know you're exposed to legal risk. This program provides you with attorney-drafted templates designed specifically for coaches, plus training on scope of practice boundaries, client pre-qualification systems, and how to handle difficult situations like non-payment and refund requests.
  • Course Creators and Membership Site Owners — You've launched or are planning to launch an online course or membership, but you're unsure about the legal requirements for selling digital products. You need proper Terms of Use, Privacy Policies, and Terms & Conditions that actually comply with consumer protection laws. Sam's bundle includes separate Terms of Use templates for business and wellness industries, comprehensive GDPR training, and specific guidance on protecting your course content from theft.
  • Service Providers Ready to Scale with Contractors — You're ready to hire help—virtual assistants, social media managers, copywriters, or other contractors—but you don't know how to properly classify workers or protect your business in these relationships. This bundle includes Independent Contractor Agreement templates, Social Media Manager contracts, Copywriter Services agreements, and training on the legal difference between employees and contractors to help you scale without legal exposure.
  • Entrepreneurs Who've Had Content Stolen — Someone has copied your Instagram posts, stolen your course content, or ripped off your program structure, and you don't know what to do about it. Sam's intellectual property training covers copyright protection, what to do when copycats steal your content, and includes a sample cease and desist letter template so you can take action to protect your work without immediately hiring an attorney.
  • Business Owners Expanding Into Affiliate Marketing — You want to create an affiliate program to grow your business but you're concerned about FTC compliance, proper disclosures, and protecting yourself from liability if affiliates make false claims about your products. The bundle includes a complete Affiliate Agreement template, training on how to create a legally compliant referral program, and guidance on structuring commission arrangements that work for both parties.

Complete Curriculum Breakdown

Module 1: Business Formation & Registration

This foundational module walks you through the complete process of legally forming and registering your business, from choosing the right business structure to understanding new federal reporting requirements. You'll learn exactly what steps to take, in what order, and what to avoid.

  • Lesson 1.1: WATCH FIRST — What It Means to ‘Form' Your Business
  • Lesson 1.2: What to Gather Before You Register Your Biz (Quick Tips)
  • Lesson 1.3: Name Your Business
  • Lesson 1.4: All About DBA (Doing Business As) Names
  • Lesson 1.5: Sole Proprietorship vs. LLC (What's Right for You)
  • Lesson 1.6: Get Your EIN Number
  • Lesson 1.7: How to Form an LLC
  • Lesson 1.8: How to Act Like an LLC
  • Lesson 1.9: Check Local Registration Requirements
  • Lesson 1.10: Beneficial Ownership Information (BOI) Registration Guide
  • Lesson 1.11: What Happens to Your Business When You Move (Moving an LLC)
  • 📕 Included resources: 2024 BOI Federal Update Guide, Business Entity Checklist, Startup Checklist (3 versions), EIN Worksheet, Name Your Business Worksheet, DBA Training PDF, Audio Transcripts for all lessons

Module 2: Financial & Insurance Setup

This module covers the essential financial and risk management foundations every business owner needs, including how to properly separate business and personal finances, accept client payments, and secure appropriate insurance coverage.

  • Lesson 2.1: Setup Your Business Bank Account
  • Lesson 2.2: Taking Payments
  • Lesson 2.3: How to Get Business Insurance
  • Lesson 2.4: BONUS TRAINING — How to Invest in Your Biz & Get the Best Returns
  • 📕 Included resources: Business Insurance Workbook, Money Mindset Guide Workbook, Audio Transcripts

Module 3: Website Policies & GDPR Compliance

This comprehensive module ensures your website, social media, and email marketing are legally compliant with consumer protection laws and international data privacy regulations. Essential for anyone with an online presence.

  • Lesson 3.1: Website Policies
  • Lesson 3.2: Legally Legit Website + Social Media Copy
  • Lesson 3.3: GDPR (General Data Protection Regulation) Training Part 1
  • Lesson 3.4: GDPR (General Data Protection Regulation) Training Part 2
  • Lesson 3.5: GDPR (General Data Protection Regulation) Training Part 3
  • Lesson 3.6: Emails & Email List Building
  • 📕 Included resources: GDPR Training Parts 1-3 PDFs, Audio Transcripts for all lessons

Module 4: Contracts & Legal Agreements

This module demystifies contracts and teaches you everything you need to confidently create, send, review, and enforce legal agreements in your business, including special considerations for working with minors.

  • Lesson 4.1: START HERE — Contracts 101
  • Lesson 4.2: How to Send & Sign Contracts
  • Lesson 4.3: How to Review Contracts People Send TO You
  • Lesson 4.4: 4 Things That Should Be In All Your Contracts Now
  • Lesson 4.5: Can I Work with Minors? How?
  • Lesson 4.6: Consent to E-Sign Contracts
  • 📕 Included resources: 2024 Which Template Do I Need Guide, Consent to E-Sign Contracts PDF, Audio Transcripts for all lessons

Module 5: Client Management & Services

This extensive module covers the full client lifecycle from pre-qualification through service delivery, payment collection, and handling difficult situations. Critical for anyone offering services, programs, or courses.

  • Lesson 5.1: Pre-Qualifying Clients to Avoid Legal Headaches
  • Lesson 5.2: Sales Calls
  • Lesson 5.3: Scope of Practice (Must Watch for ALL Coaches)
  • Lesson 5.4: Working 1-1 with Clients
  • Lesson 5.5: Group Programs
  • Lesson 5.6: Courses & Memberships
  • Lesson 5.7: When a Client Doesn't Pay
  • Lesson 5.8: When Should I Offer a Refund?
  • Lesson 5.9: How to Legally Run Giveaways
  • 📕 Included resources: Pre-Qualify Before You Buy Freebie, Wellness Coach Scope of Practice Guide, How to Legally Run Giveaways Transcript, Audio Transcripts for all lessons

Module 6: Intellectual Property Protection

This module teaches you how to protect your creative work, brand identity, and business assets through copyright and trademark law, plus what to do when someone copies your content.

  • Lesson 6.1: Copyright (Protect Your Posts, Program Materials, etc.)
  • Lesson 6.2: Trademarks (Protect Your Logos, Names & Taglines)
  • Lesson 6.3: What to Do If Copycats Steal Your Content
  • Lesson 6.4: How to Legally Share Other People's Content
  • 📕 Included resources: Copycats Workshop Guide, How to Legally Share Other People's Content PDF, Audio Transcripts

Module 7: Scaling Your Business

This module prepares you for growth by covering the legal aspects of building a team, creating partnership programs, and optimizing your business structure for tax efficiency.

  • Lesson 7.1: How to Run an Affiliate Program
  • Lesson 7.2: How to Hire Independent Contractors
  • Lesson 7.3: Becoming an S-Corp
  • 📕 Included resources: Affiliate Worksheet, SOP Template, Audio Transcripts for all lessons

Legal Email Template Pack

A complete collection of email scripts for handling common legal situations professionally and effectively, with video tutorials explaining when and how to use each template.

  • Video 1: Welcome! Watch Me First
  • Video 2: Your Ultimate Bundle Roadmap to Success
  • Video 3: Meet Sam!
  • Video 4: “If a Client Owes You Money” Email
  • Video 5: “If Copycats Copy Your Stuff” Email
  • Video 6: GDPR Email
  • 📕 Included resources: If a Client Owes You Money Email Template, If Copycats Copy Your Stuff Email Template, GDPR Compliance Email Template, Template Guidelines & Tips, Ultimate Bundle Index, Audio Transcripts

Bonus Materials Included

✅ BONUS: Lattice Hudson Diversity & Inclusion Workshop + Q&A — 5,687-second video training on creating inclusive business practices and workplace culture (video)

✅ BONUS: Instagram Workshop + Q&A — 9,006-second comprehensive training on Instagram strategy, maximizing engagement, and legally protecting your social media content (video + Instagram Workshop Resources PDFs)

✅ BONUS: Retreat Contract Template — 2,233-second tutorial on using the Retreat Contract Template plus the complete contract template for retreat leaders and event hosts (video + PDF + DOCX template)

✅ BONUS: 4 Email Scripts to Get Late-Payers Back in Good Standing — 816-second training plus 4 done-for-you email templates (Dunning Emails) for professionally collecting overdue payments (video + PDF)

✅ BONUS: How to Create a Legally Legit Affiliate Program — 617-second training on structuring compliant affiliate programs with proper FTC disclosures (video + Affiliate Worksheet)

✅ BONUS: Money Mindset Guide for Turning Business Investments into Profits — 1,222-second training addressing the psychological barriers to investing in your business and getting ROI (video + Money Mindset Guide Workbook)

✅ BONUS: How to Get the Most for Your Squeeze on Instagram Training — 8,999-second advanced Instagram training for maximizing reach and engagement (video + Audio Transcript)

✅ BONUS: The Anatomy of a Cease & Desist Letter Video Training — 609-second training on when and how to use cease and desist letters to protect your intellectual property (video + Sample Cease & Desist Letter + Audio Transcript)

✅ BONUS: Legal Q&A with Sam — 12-5-2023 — 6,312-second live Q&A session where Sam answers real legal questions from business owners (video + Transcript)

✅ BONUS: Accounting Q&A with Keila Hill-Trawick from Little Fish Accounting — 3,858-second expert Q&A on business accounting, bookkeeping, and tax considerations for online business owners (video + Resources PDF)


About Sam Vander Wielen

course journey

Sam Vander Wielen is a former corporate litigation attorney who practiced law in Philadelphia from 2012 to 2016, specializing in both litigation and transactional matters. She earned her law degree from Rutgers School of Law in Camden and her Bachelor of Arts in Political Science from Temple University, and is admitted to practice law in both New Jersey and Pennsylvania.

During her legal career, Sam received multiple prestigious recognitions including the 2017 Robert Criscuolo Award, was named a 2016 New Jersey Law Journal “New Leader of the Bar,” received the 2016 SJ Magazine “Top Attorney” designation in Intellectual Property, and was honored as a 2016 New Jersey Rising Star.

Verified Credentials:

✅ Law degree from Rutgers School of Law in Camden; admitted to practice in New Jersey and Pennsylvania

✅ Former corporate litigation attorney at Capehart Scatchard, practicing from 2012-2016

✅ Recipient of 2017 Robert Criscuolo Award and 2016 New Jersey Law Journal “New Leader of the Bar”

✅ Recognized as 2016 SJ Magazine “Top Attorney” in Intellectual Property

✅ Founded Sam Vander Wielen LLC in 2017, which has grown into a multi-seven-figure legal template business

✅ Host of “On Your Terms” podcast for online business owners, providing legal tips and business strategy

✅ Author of “When I Start My Business, I'll Be Happy”

In 2017, Sam left traditional legal practice to create Sam Vander Wielen LLC, a legal education company that helps coaches, creatives, and online entrepreneurs legally protect their businesses through DIY legal templates and educational programs. Her business has since grown to generate multi-seven-figure revenue annually, serving thousands of online business owners who need legal protection without the expense of traditional attorney fees. Through her podcast “On Your Terms” and her comprehensive legal template shop, Sam has become a leading voice in legal education for the online business community.


What Problems Does The Ultimate Bundle Solve?

“I started my coaching business but have no idea if I need an LLC or how to legally register my business” — Module 1 provides Sam's complete Business Formation & Registration system, walking you through the decision between sole proprietorship and LLC, how to obtain your EIN, the step-by-step LLC formation process, and the 2024 Beneficial Ownership Information (BOI) federal requirements that all business owners must now comply with. You'll get the exact checklists and worksheets Sam uses with her clients.

“I've been using free contract templates from Google and I'm terrified they're not actually protecting me” — The Ultimate Bundle includes 15 attorney-drafted contract templates designed specifically for online business owners, including 1-1 Client Contracts, Group Program Agreements, Independent Contractor Agreements, and service-specific templates for copywriters and social media managers. Module 4 teaches you exactly what clauses must be in your contracts right now and how to customize the templates for your specific business model.

“A competitor copied my entire course structure and I don't know what legal recourse I have” — Module 6 covers comprehensive intellectual property protection, including copyright law for digital content creators, what to do when copycats steal your content, and Sam provides a sample Cease & Desist letter template. You'll learn the exact steps to take when someone infringes on your intellectual property, when you can handle it yourself versus when you need an attorney, and how to prevent content theft in the first place.

“I want to hire a virtual assistant or contractor but I'm scared of misclassifying them and getting in trouble with the IRS” — Module 7's training on How to Hire Independent Contractors explains the legal distinction between employees and independent contractors, what determines proper classification, and includes a complete Independent Contractor Agreement template. You'll understand exactly how to structure these relationships to protect your business from misclassification penalties while building your team.

“I have no idea if my website policies comply with GDPR and other privacy laws” — Module 3 provides the most comprehensive GDPR training available for online business owners, broken into three parts covering understanding requirements, implementation strategies, and ongoing compliance. The bundle includes attorney-drafted Privacy Policy and Terms & Conditions templates, plus specific training on legally compliant website copy and email list building practices.

“A client isn't paying their invoice and I don't know how to handle it professionally without ruining the relationship” — Module 5's lesson on “When a Client Doesn't Pay” teaches you the professional collection process, and the Legal Email Template Pack includes the “If a Client Owes You Money” email script plus 4 Dunning Email templates for getting late-payers back in good standing. You'll learn the exact language to use at each stage of the collection process.

“I want to create an affiliate program but I'm worried about FTC compliance and legal liability” — Module 7 includes complete training on How to Run an Affiliate Program legally, plus the bundle includes an Affiliate Agreement template and Affiliate Worksheet. Sam covers FTC disclosure requirements, how to structure commission arrangements, and how to protect yourself from liability if affiliates make false claims about your products.


What Makes The Ultimate Bundle Different

  • Attorney-Drafted Templates Designed for Online Business Models — Unlike generic legal templates, every contract and policy in this bundle was created by Sam specifically for coaches, course creators, and online service providers. The templates reflect the unique legal considerations of digital business models, including separate Terms of Use templates for business-focused and wellness-focused online programs, contracts designed for virtual service delivery, and policies that address modern concerns like intellectual property protection for digital content.
  • Complete GDPR Compliance System — While most business legal programs mention GDPR in passing, The Ultimate Bundle dedicates three full training modules to General Data Protection Regulation compliance, breaking down this complex European privacy law into understandable implementation steps for American business owners who serve international audiences. This depth of GDPR training is rare outside of expensive legal consultations.
  • Scope of Practice Training for Coaches — Sam addresses the critical legal issue that most coaching programs ignore: the boundary between coaching and licensed professions like therapy, nutrition counseling, and medical advice. The dedicated Scope of Practice training helps coaches understand where their legal authority ends, protecting them from unauthorized practice claims that could result in cease and desist orders or lawsuits.
  • Real Legal Expertise from a Practicing Attorney — Sam isn't a business coach teaching legal basics she learned secondhand. She practiced corporate litigation for four years, received multiple legal awards including New Jersey Law Journal's “New Leader of the Bar,” and is admitted to practice law in two states. The Ultimate Bundle reflects actual legal knowledge and risk assessment from someone who has represented clients in court and understands how contracts hold up in legal disputes.

Frequently Asked Questions About The Ultimate Bundle

What is The Ultimate Bundle about?

The Ultimate Bundle by Sam Vander Wielen is a comprehensive legal education program for online business owners, covering business formation, contracts, intellectual property protection, client management, and scaling strategies. The program combines 26+ hours of video training across 7 core modules with 15 attorney-drafted legal templates including contracts, website policies, and email scripts designed specifically for coaches, course creators, and digital service providers.

Who created The Ultimate Bundle?

Sam Vander Wielen created The Ultimate Bundle. Sam is a former corporate litigation attorney who practiced law from 2012-2016 at Capehart Scatchard in Philadelphia, earning recognition as a 2016 New Jersey Law Journal “New Leader of the Bar” and 2016 SJ Magazine “Top Attorney” in Intellectual Property. She holds a law degree from Rutgers School of Law and is admitted to practice in New Jersey and Pennsylvania. After leaving traditional legal practice in 2017, she founded Sam Vander Wielen LLC, which has grown into a multi-seven-figure legal education business serving thousands of online entrepreneurs.

What is included in The Ultimate Bundle?

The program includes 74 video lessons totaling 26 hours 43 minutes 23 seconds, 106 downloadable PDF guides and workbooks, and 27 document templates in editable DOCX format. The 6.43 GB package contains 7 core training modules (Business Formation, Financial Setup, Website Policies & GDPR, Contracts, Client Management, Intellectual Property, and Scaling), a Legal Email Template Pack with 6 videos and 3 email templates, 10 bonus training videos (including Instagram workshops, accounting Q&A, and diversity training), and 15 done-for-you contract templates including 1-1 Client Contracts, Independent Contractor Agreements, Privacy Policies, Terms & Conditions, Website Disclaimers, Terms of Use for courses and memberships, Affiliate Agreements, and service-specific contracts for copywriters and social media managers.

Who is The Ultimate Bundle best suited for?

The Ultimate Bundle is ideal for online coaches and course creators who need legal protection for their programs and client work, service providers like copywriters, designers, and virtual assistants who want attorney-drafted contract templates for their specific services, established business owners operating without proper legal foundation who need to get compliant with business registration and intellectual property protection, entrepreneurs planning to scale by hiring contractors or launching affiliate programs, and anyone who has had their content stolen and needs to understand their legal recourse and prevention strategies.

What will I learn in The Ultimate Bundle?

You'll learn how to properly form and register an LLC including the 2024 Beneficial Ownership Information (BOI) federal requirements, the complete 3-part GDPR compliance system for online businesses serving international customers, how to protect your intellectual property through copyright and trademark law plus what to do when copycats steal your content, the critical scope of practice boundaries every coach must understand to avoid unauthorized practice claims, how to structure legally compliant affiliate programs with proper FTC disclosures, the exact contract clauses that should be in every client agreement based on current legal requirements, and how to handle difficult client situations including non-payment, refund requests, and contract disputes using the included email templates and legal frameworks.

What format is The Ultimate Bundle delivered in?

The course is delivered as 74 downloadable video lessons in .ts format totaling 26 hours 43 minutes 23 seconds, 106 PDF workbooks, guides, transcripts, and checklists, and 27 editable DOCX contract and email templates. The complete package is 6.43 GB and organized into 9 folders covering the core modules, bonus content, and Legal Email Template Pack.

Does The Ultimate Bundle include any bonus materials?

Yes, the bundle includes 10 substantial bonus trainings totaling 10 hours 55 minutes 59 seconds: Lattice Hudson Diversity & Inclusion Workshop with Q&A, Instagram Workshop with Q&A and resources, Retreat Contract Template tutorial and contract, 4 Email Scripts to Get Late-Payers Back in Good Standing (Dunning Emails), How to Create a Legally Legit Affiliate Program training, Money Mindset Guide for Turning Business Investments into Profits, How to Get the Most for Your Squeeze on Instagram advanced training, The Anatomy of a Cease & Desist Letter video training with sample letter, Legal Q&A with Sam from December 2023, and Accounting Q&A with Keila Hill-Trawick from Little Fish Accounting.

What is Sam Vander Wielen known for?

Sam Vander Wielen is known as the founder of Sam Vander Wielen LLC, a multi-seven-figure legal template business for online entrepreneurs, host of the “On Your Terms” podcast which provides legal tips and business strategy for online business owners, author of the book “When I Start My Business, I'll Be Happy,” and her recognition as a 2016 New Jersey Law Journal “New Leader of the Bar” and 2016 SJ Magazine “Top Attorney” in Intellectual Property during her legal practice career. She's built a reputation for making legal protection accessible and affordable for small business owners through DIY templates and education rather than expensive hourly attorney consultations.

How is The Ultimate Bundle different from other legal courses?

The Ultimate Bundle stands apart through its attorney-drafted templates designed specifically for online business models rather than generic legal forms, the comprehensive 3-part GDPR compliance training that most legal programs only mention superficially, dedicated Scope of Practice training that helps coaches understand the critical legal boundaries of their work, and Sam's real legal credentials as a former practicing attorney who received multiple legal industry awards rather than a business coach teaching secondhand legal information. The program reflects actual litigation experience and legal risk assessment from someone admitted to practice law in two states with four years of corporate law practice.


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the ultimate bundle by sam vander wielenThe Ultimate Bundle by Sam Vander Wielen
Original price was: $ 2.400.Current price is: $ 55.