It looks like this is a web page, not a feed. I looked for a feed associated with this page, but couldn't find one. Please enter the address of your feed to validate.

Source: https://nzbogl.mit-edu.top/post/5273064819

  1. <!doctype html>
  2. <html xmlns="http://www.w3.org/1999/xhtml" xml:lang="en" lang="en" prefix="og: http://ogp.me/ns#">
  3.  
  4.  <head>
  5.    <meta charset="utf-8">
  6.    <meta name="applicable-device" content="pc,mobile">
  7.    <meta name="viewport" content="width=device-width, initial-scale=1">
  8.    <title>The Use of Serious Games to Enhance Financial Literacy Among Adolescents #455424167958 (2025-02-06)</title>
  9.    <link rel="canonical" href="https://nzbogl.mit-edu.top/post/5273064819">
  10.    <link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Poppins:wght@400;700&display=swap">
  11.    <link rel="stylesheet" href="https://x.mit-edu.top/static/css/style.css">
  12.    <script src="https://x.mit-edu.top/static/js/lazysizes.min.js" async></script>
  13.    <link rel="shortcut icon" href="/favicon.ico">
  14.    <!-- Open Graph Metadata -->
  15.    <meta property="og:type" content="article" />
  16.    <meta property="og:title" content="The Use of Serious Games to Enhance Financial Literacy Among Adolescents" />
  17.    <meta property="og:description" content="The Use of Serious Games to Enhance Financial Literacy Among Adolescents #455424167958 (2025-02-06)" />
  18.    <meta property="og:url" content="https://nzbogl.mit-edu.top/post/5273064819" />
  19.    <meta property="og:site_name" content="mit-edu.top" />
  20.    <meta property="og:image" content="https://x.mit-edu.top/static/images/post/8.jpg" />
  21.    <meta property="og:article:published_time" content="2025-02-06T03:03:35Z" />
  22.    <meta property="og:article:author" content="Dr. Charles Taylor" />
  23.    <meta property="og:article:section" content="mit-edu.top" />
  24.    <meta property="og:article:tag" content="Games, Mobile Games, Video Games" />
  25.    <!-- Schema.org -->
  26.    <script type="application/ld+json">{
  27.            "@context": "https://schema.org",
  28.            "@type": "ScholarlyArticle",
  29.            "headline": "The Use of Serious Games to Enhance Financial Literacy Among Adolescents #455424167958 (2025-02-06)",
  30.            "author": {
  31.                "@type": "Person",
  32.                "name": "Dr. Charles Taylor",
  33.                "affiliation": {
  34.                    "@type": "Organization",
  35.                    "name": "mit-edu.top"
  36.                },
  37.                "url": "https://nzbogl.mit-edu.top/post/5273064819"
  38.            },
  39.            "datePublished": "2025-02-06T03:03:35Z",
  40.            "image": "https://x.mit-edu.top/static/images/post/8.jpg",
  41.            "journal": {
  42.                "@type": "Periodical",
  43.                "name": "mit-edu.top",
  44.                "issn": "10.1069/455424167958"
  45.            },
  46.            "publisher": {
  47.                "@type": "Organization",
  48.                "name": "mit-edu.top",
  49.                "url": "https://nzbogl.mit-edu.top"
  50.            },
  51.            "doi": "455424167958",
  52.            "abstract": "The Use of Serious Games to Enhance Financial Literacy Among Adolescents #455424167958 (2025-02-06)",
  53.            "citation": {
  54.                "@type": "CreativeWork",
  55.                "name": "The Use of Serious Games to Enhance Financial Literacy Among Adolescents",
  56.                "author": "Dr. Charles Taylor",
  57.                "datePublished": "2025-02-06T03:03:35Z",
  58.                "url": "https://nzbogl.mit-edu.top/post/5273064819"
  59.            }
  60.        }
  61.    </script>
  62. </head>
  63.  
  64. <body>
  65.    <div class="site-mobile-menu site-navbar-target">
  66.        <div class="site-mobile-menu-header">
  67.            <div class="site-mobile-menu-close">
  68.                <span class="icofont-close js-menu-toggle"></span>
  69.            </div>
  70.        </div>
  71.        <div class="site-mobile-menu-body"></div>
  72.    </div>
  73.    <nav class="site-nav">
  74.        <div class="container">
  75.            <div class="site-navigation">
  76.                <div class="row">
  77.                    <div class="col-md-6 text-center order-1 order-md-2 mb-3 mb-md-0">
  78.                        <a href="https://nzbogl.mit-edu.top" class="logo m-0 text-uppercase">mit-edu.top</a>
  79.                    </div>
  80.                    <div class="col-md-3 order-3 order-md-1">
  81.                    </div>
  82.                </div>
  83.            </div>
  84.        </div>
  85.    </nav>
  86.    <div class="section post-section pt-5">
  87.        <div class="container">
  88.            <div class="row justify-content-center">
  89.                <div class="col-lg-8">
  90.                    <div class="text-center">
  91.                        <img src="https://x.mit-edu.top/static/images/user/6.jpg" alt="The Use of Serious Games to Enhance Financial Literacy Among Adolescents" title="The Use of Serious Games to Enhance Financial Literacy Among Adolescents" class="author-pic img-fluid rounded-circle mx-auto">
  92.                    </div>
  93.                    <span class="d-block text-center">Charles Taylor</span>
  94.                    <span class="date d-block text-center small text-uppercase text-black-50 mb-5">2025-02-06</span>
  95.                    <h2 class="heading text-center">The Use of Serious Games to Enhance Financial Literacy Among Adolescents</h2>
  96.                    <p class="lead mb-4 text-center">Thanks to Charles Taylor for contributing the article "The Use of Serious Games to Enhance Financial Literacy Among Adolescents".
  97.                    </p>
  98.                    <img src="https://x.mit-edu.top/static/images/post/8.jpg" alt="The Use of Serious Games to Enhance Financial Literacy Among Adolescents" title="The Use of Serious Games to Enhance Financial Literacy Among Adolescents" class="img-fluid rounded mb-4 lazyload">
  99.                    <p>This research explores how mobile gaming influences cultural identity and expression across different regions. It examines the role of mobile games in cultural exchange, preservation, and the representation of diverse cultures. This research investigates how mobile gaming affects sleep quality and duration, considering factors such as screen time, game content, and player demographics. It provides insights into the health implications of mobile gaming habits.</p>
  100. <p>This paper explores the use of mobile games as learning tools, integrating gamification strategies into educational contexts. The research draws on cognitive learning theories and educational psychology to analyze how game mechanics such as rewards, challenges, and feedback influence knowledge retention, motivation, and problem-solving skills. By reviewing case studies of mobile learning games, the paper identifies best practices for designing educational games that foster deep learning experiences while maintaining player engagement. The study also examines the potential for mobile games to address disparities in education access and equity, particularly in resource-limited environments.</p>
  101. <p>This paper examines the integration of artificial intelligence (AI) in the design of mobile games, focusing on how AI enables adaptive game mechanics that adjust to a player’s behavior. The research explores how machine learning algorithms personalize game difficulty, enhance NPC interactions, and create procedurally generated content. It also addresses challenges in ensuring that AI-driven systems maintain fairness and avoid reinforcing harmful stereotypes.</p>
  102. <p>This paper examines how mobile games can enhance players’ psychological empowerment by improving their self-efficacy and confidence through gameplay. The research investigates how game mechanics such as challenges, achievements, and skill development contribute to a player's sense of mastery and competence. Drawing on psychological theories of self-efficacy and motivation, the study explores how mobile games can be designed to provide players with a sense of accomplishment and personal growth, particularly in games that focus on skill-based tasks, puzzles, and strategy. The paper also explores the impact of mobile games on players' overall well-being, particularly in terms of their confidence and ability to overcome challenges in real life.</p>
  103. <p>This paper analyzes the economic contributions of the mobile gaming industry to local economies, including job creation, revenue generation, and the development of related sectors such as tourism and retail. It provides case studies from various regions to illustrate these impacts.</p>
  104.  
  105.                    <p>
  106.                    <a href="/redirect/?url=https://nzbogl.mit-edu.top/post/5273064819" target="_blank" class="custom-link">Link</a>
  107.                    </p>
  108.                    <p><a href="https://www.linegames.org/" target="_blank" class="custom-link">External link</a>
  109. <a href="https://www.iliiili.com/" target="_blank" class="custom-link">External link</a>
  110. <a href="https://www.digwow.net/" target="_blank" class="custom-link">External link</a>
  111. <a href="https://www.free-giftcodes.com/" target="_blank" class="custom-link">External link</a>
  112. <a href="https://www.gifthub.com.ru/" target="_blank" class="custom-link">External link</a>
  113. <a href="https://866670797475-edu.iliiili.com/" target="_blank" class="custom-link">External link</a>
  114. <a href="https://572475262480-edu.digwow.net/" target="_blank" class="custom-link">External link</a>
  115. <a href="https://453569546113-edu.free-giftcodes.com/" target="_blank" class="custom-link">External link</a>
  116. <a href="https://283930497735-edu.gifthub.com.ru/" target="_blank" class="custom-link">External link</a>
  117. <a href="https://252590636982-gov.iliiili.com/" target="_blank" class="custom-link">External link</a>
  118. <a href="https://946558987270-gov.digwow.net/" target="_blank" class="custom-link">External link</a>
  119. <a href="https://219082618867-gov.free-giftcodes.com/" target="_blank" class="custom-link">External link</a>
  120. <a href="https://921520714470-gov.gifthub.com.ru/" target="_blank" class="custom-link">External link</a>
  121. <a href="https://268085017015-gov-edu.iliiili.com/" target="_blank" class="custom-link">External link</a>
  122. <a href="https://287073866918-gov-edu.digwow.net/" target="_blank" class="custom-link">External link</a>
  123. <a href="https://980437453352-gov-edu.free-giftcodes.com/" target="_blank" class="custom-link">External link</a>
  124. <a href="https://863665294901-gov-edu.gifthub.com.ru/" target="_blank" class="custom-link">External link</a>
  125. <a href="https://287888787720-edu.iliiili.com/?url=https://nzbogl.mit-edu.top/post/5273064819" target="_blank" class="custom-link">External link</a>
  126. <a href="https://576802198555-edu.digwow.net/?url=https://nzbogl.mit-edu.top/post/5273064819" target="_blank" class="custom-link">External link</a>
  127. <a href="https://174575693381-edu.free-giftcodes.com/?url=https://nzbogl.mit-edu.top/post/5273064819" target="_blank" class="custom-link">External link</a>
  128. <a href="https://260932080670-edu.gifthub.com.ru/?url=https://nzbogl.mit-edu.top/post/5273064819" target="_blank" class="custom-link">External link</a>
  129. <a href="https://990746354801-gov.iliiili.com/?url=https://nzbogl.mit-edu.top/post/5273064819" target="_blank" class="custom-link">External link</a>
  130. <a href="https://371609826829-gov.digwow.net/?url=https://nzbogl.mit-edu.top/post/5273064819" target="_blank" class="custom-link">External link</a>
  131. <a href="https://128186275250-gov.free-giftcodes.com/?url=https://nzbogl.mit-edu.top/post/5273064819" target="_blank" class="custom-link">External link</a>
  132. <a href="https://996377404574-gov.gifthub.com.ru/?url=https://nzbogl.mit-edu.top/post/5273064819" target="_blank" class="custom-link">External link</a>
  133. <a href="https://link.naver.com/bridge?567149161070&amp;url=https://nzbogl.mit-edu.top/post/5273064819" target="_blank" class="custom-link">External link</a>
  134. <a href="https://link.naver.com/bridge?698224313951&amp;url=https://naver698224313951-edu.digwow.net" target="_blank" class="custom-link">External link</a>
  135. <a href="https://link.naver.com/bridge?601169515330&amp;url=https://naver601169515330-edu.iliiili.com" target="_blank" class="custom-link">External link</a>
  136. <a href="https://link.naver.com/bridge?246353423246&amp;url=https://naver246353423246-edu.1717173.xyz" target="_blank" class="custom-link">External link</a>
  137. <a href="https://link.naver.com/bridge?688973044250&amp;url=https://naver688973044250-edu.gifthub.com.ru" target="_blank" class="custom-link">External link</a>
  138. <a href="https://link.naver.com/bridge?211745870415&amp;url=https://naver211745870415-gov.digwow.net" target="_blank" class="custom-link">External link</a>
  139. <a href="https://link.naver.com/bridge?857272830738&amp;url=https://naver857272830738-gov.iliiili.com" target="_blank" class="custom-link">External link</a>
  140. <a href="https://link.naver.com/bridge?043479591676&amp;url=https://naver043479591676-gov.1717173.xyz" target="_blank" class="custom-link">External link</a>
  141. <a href="https://link.naver.com/bridge?253204799516&amp;url=https://naver253204799516-gov.gifthub.com.ru" target="_blank" class="custom-link">External link</a>
  142. <a href="https://link.naver.com/bridge?800874789137&amp;url=https://naver800874789137-gov-edu.digwow.net" target="_blank" class="custom-link">External link</a>
  143. <a href="https://link.naver.com/bridge?086144770190&amp;url=https://naver086144770190-gov-edu.iliiili.com" target="_blank" class="custom-link">External link</a>
  144. <a href="https://link.naver.com/bridge?579521101298&amp;url=https://naver579521101298-gov-edu.1717173.xyz" target="_blank" class="custom-link">External link</a>
  145. <a href="https://link.naver.com/bridge?776689397012&amp;url=https://naver776689397012-gov-edu.gifthub.com.ru" target="_blank" class="custom-link">External link</a>
  146. <a href="https://blog-599509566519.gifthub.news/" target="_blank" class="custom-link">External link</a>
  147. <a href="https://blog-639769537206.jp-edu.sbs/" target="_blank" class="custom-link">External link</a>
  148. <a href="https://blog-146957107158.kr-edu.sbs/" target="_blank" class="custom-link">External link</a>
  149. <a href="https://blog-015666520506.krlinkedin.sbs/" target="_blank" class="custom-link">External link</a>
  150. <a href="https://blog-560381995591.mit-edu.sbs/" target="_blank" class="custom-link">External link</a>
  151. <a href="https://blog-301127029595.mit-edu.buzz/" target="_blank" class="custom-link">External link</a>
  152. <a href="https://blog-258209965993.mit-edu.tech/" target="_blank" class="custom-link">External link</a>
  153. <a href="https://blog-193752893005.mit-edu.site/" target="_blank" class="custom-link">External link</a>
  154. <a href="https://blog-708667282113.mit-edu.top/" target="_blank" class="custom-link">External link</a>
  155. <a href="https://blog-010509829294.usa-gov.top/" target="_blank" class="custom-link">External link</a>
  156. <a href="https://research-473774355122.mit-edu.pp.ua/?url=https://nzbogl.mit-edu.top/post/5273064819" target="_blank" class="custom-link">External link</a>
  157. <a href="https://research-850162563524.harvard-edu.pp.ua/?url=https://nzbogl.mit-edu.top/post/5273064819" target="_blank" class="custom-link">External link</a>
  158. <a href="https://research-516435983360.stanford-edu.pp.ua/?url=https://nzbogl.mit-edu.top/post/5273064819" target="_blank" class="custom-link">External link</a>
  159. <a href="https://research-796319504610.cambridge-edu.pp.ua/?url=https://nzbogl.mit-edu.top/post/5273064819" target="_blank" class="custom-link">External link</a>
  160. <a href="https://research-877220671325.berkeley-edu.pp.ua/?url=https://nzbogl.mit-edu.top/post/5273064819" target="_blank" class="custom-link">External link</a>
  161. <a href="https://research-923250330071.oxford-edu.pp.ua/?url=https://nzbogl.mit-edu.top/post/5273064819" target="_blank" class="custom-link">External link</a>
  162. <a href="https://research-921393480103-edu.wwv.pp.ua/?url=https://nzbogl.mit-edu.top/post/5273064819" target="_blank" class="custom-link">External link</a>
  163. <a href="https://research-271313906321-edu.sean.pp.ua/?url=https://nzbogl.mit-edu.top/post/5273064819" target="_blank" class="custom-link">External link</a>
  164. <a href="https://research-365362455684-edu.line.pp.ua/?url=https://nzbogl.mit-edu.top/post/5273064819" target="_blank" class="custom-link">External link</a>
  165. </p>
  166.                    <div class="row mt-5 pt-5 border-top">
  167.                    </div>
  168.                </div>
  169.            </div>
  170.        </div>
  171.    </div>
  172.    <div class="section pb-0">
  173.        <div class="container">
  174.            <div class="row">
  175.                <div class="col-lg-12">
  176.                    <h2 class="heading">Related</h2>
  177.                </div>
  178.            </div>
  179.            <div class="row justify-content-center">
  180.                <div class="col-lg-12">
  181.                    <div class="post-entry d-md-flex small-horizontal mb-5">
  182.                        <div class="me-md-5 thumbnail mb-3 mb-md-0">
  183.                            <a href="https://nzbogl.mit-edu.top/post/3892607415">
  184.                            <img src="https://x.mit-edu.top/static/images/post/8.jpg" alt="Behavioral Insights Into the Adoption of Emerging Game Monetization Mechanisms" title="Behavioral Insights Into the Adoption of Emerging Game Monetization Mechanisms" class="img-fluid lazyload">
  185.                            </a>
  186.                        </div>
  187.                        <div class="content">
  188.                            <div class="post-meta mb-3">
  189.                                <a href="https://blog-3892607415.mit-edu.top/post/3892607415/" target="_blank">
  190.                                <span class="date">2025-02-06</span>
  191.                                </a>
  192.                            </div>
  193.                            <h2 class="heading"><a href="https://nzbogl.mit-edu.top/post/3892607415">Behavioral Insights Into the Adoption of Emerging Game Monetization Mechanisms</a></h2>
  194.                            <p class="info">This research examines the psychological effects of time-limited events in mobile games, which often include special challenges, rewards, and limited-time offers. The study explores how event-based gameplay influences player motivation, urgency, and spending behavior. Drawing on behavioral psychology and concepts such as loss aversion and temporal discounting, the paper investigates how time-limited events create a sense of scarcity and urgency that may lead to increased player engagement, as well as potential negative consequences such as compulsive behavior or gaming addiction. The research also evaluates how well-designed time-limited events can enhance player experiences without exploiting players’ emotional vulnerabilities.</p>
  195.                            <a href="https://nzbogl.mit-edu.top/post/3892607415" class="post-author d-flex align-items-center">
  196.                                <div class="author-pic">
  197.                                    <img src="https://x.mit-edu.top/static/images/user/6.jpg" alt="Behavioral Insights Into the Adoption of Emerging Game Monetization Mechanisms" title="Behavioral Insights Into the Adoption of Emerging Game Monetization Mechanisms" class="lazyload">
  198.                                </div>
  199.                                <div class="text">
  200.                                    <strong>Martha Perry</strong>
  201.                                    <span>2025-02-06 published post</span>
  202.                                </div>
  203.                            </a>
  204.                        </div>
  205.                    </div>
  206.                </div>
  207.                <div class="col-lg-12">
  208.                    <div class="post-entry d-md-flex small-horizontal mb-5">
  209.                        <div class="me-md-5 thumbnail mb-3 mb-md-0">
  210.                            <a href="https://nzbogl.mit-edu.top/post/6059871342">
  211.                            <img src="https://x.mit-edu.top/static/images/post/8.jpg" alt="Real-Time Emotional Adaptation in AI-Driven Game Characters" title="Real-Time Emotional Adaptation in AI-Driven Game Characters" class="img-fluid lazyload">
  212.                            </a>
  213.                        </div>
  214.                        <div class="content">
  215.                            <div class="post-meta mb-3">
  216.                                <a href="https://blog-6059871342.mit-edu.top/post/6059871342/" target="_blank">
  217.                                <span class="date">2025-02-06</span>
  218.                                </a>
  219.                            </div>
  220.                            <h2 class="heading"><a href="https://nzbogl.mit-edu.top/post/6059871342">Real-Time Emotional Adaptation in AI-Driven Game Characters</a></h2>
  221.                            <p class="info">This paper explores the integration of artificial intelligence (AI) in mobile game design to enhance player experience through adaptive gameplay systems. The study focuses on how AI-driven algorithms adjust game difficulty, narrative progression, and player interaction based on individual player behavior, preferences, and skill levels. Drawing on theories of personalized learning, machine learning, and human-computer interaction, the research investigates the potential for AI to create more immersive and personalized gaming experiences. The paper also examines the ethical considerations of AI in games, particularly concerning data privacy, algorithmic bias, and the manipulation of player behavior.</p>
  222.                            <a href="https://nzbogl.mit-edu.top/post/6059871342" class="post-author d-flex align-items-center">
  223.                                <div class="author-pic">
  224.                                    <img src="https://x.mit-edu.top/static/images/user/3.jpg" alt="Real-Time Emotional Adaptation in AI-Driven Game Characters" title="Real-Time Emotional Adaptation in AI-Driven Game Characters" class="lazyload">
  225.                                </div>
  226.                                <div class="text">
  227.                                    <strong>Nancy Lewis</strong>
  228.                                    <span>2025-02-06 published post</span>
  229.                                </div>
  230.                            </a>
  231.                        </div>
  232.                    </div>
  233.                </div>
  234.                <div class="col-lg-12">
  235.                    <div class="post-entry d-md-flex small-horizontal mb-5">
  236.                        <div class="me-md-5 thumbnail mb-3 mb-md-0">
  237.                            <a href="https://nzbogl.mit-edu.top/post/1508963247">
  238.                            <img src="https://x.mit-edu.top/static/images/post/9.jpg" alt="Neuroaesthetics of Game Design: Enhancing Immersion Through Visual and Auditory Stimuli" title="Neuroaesthetics of Game Design: Enhancing Immersion Through Visual and Auditory Stimuli" class="img-fluid lazyload">
  239.                            </a>
  240.                        </div>
  241.                        <div class="content">
  242.                            <div class="post-meta mb-3">
  243.                                <a href="https://blog-1508963247.mit-edu.top/post/1508963247/" target="_blank">
  244.                                <span class="date">2025-02-06</span>
  245.                                </a>
  246.                            </div>
  247.                            <h2 class="heading"><a href="https://nzbogl.mit-edu.top/post/1508963247">Neuroaesthetics of Game Design: Enhancing Immersion Through Visual and Auditory Stimuli</a></h2>
  248.                            <p class="info">This study investigates the privacy and data security issues associated with mobile gaming, focusing on data collection practices, user consent, and potential vulnerabilities. It proposes strategies for enhancing data protection and ensuring user privacy.</p>
  249.                            <a href="https://nzbogl.mit-edu.top/post/1508963247" class="post-author d-flex align-items-center">
  250.                                <div class="author-pic">
  251.                                    <img src="https://x.mit-edu.top/static/images/user/1.jpg" alt="Neuroaesthetics of Game Design: Enhancing Immersion Through Visual and Auditory Stimuli" title="Neuroaesthetics of Game Design: Enhancing Immersion Through Visual and Auditory Stimuli" class="lazyload">
  252.                                </div>
  253.                                <div class="text">
  254.                                    <strong>Alexander Ward</strong>
  255.                                    <span>2025-02-06 published post</span>
  256.                                </div>
  257.                            </a>
  258.                        </div>
  259.                    </div>
  260.                </div>
  261.            </div>
  262.        </div>
  263.    </div>
  264.    <div class="py-5 bg-light mx-md-3 sec-subscribe">
  265.        <div class="container">
  266.            <div class="row">
  267.                <div class="col-lg-12">
  268.                    <h2 class="h4 fw-bold">Subscribe to newsletter</h2>
  269.                </div>
  270.            </div>
  271.            <form class="row">
  272.                <div class="col-md-8">
  273.                    <div class="mb-3 mb-md-0">
  274.                        <input type="email" class="form-control" placeholder="Enter your email">
  275.                    </div>
  276.                </div>
  277.                <div class="col-md-4 d-grid">
  278.                    <input type="submit" class="btn btn-primary" value="Subscribe">
  279.                </div>
  280.            </form>
  281.        </div>
  282.    </div>
  283.    <div class="site-footer">
  284.        <div class="container">
  285.            <div class="row justify-content-center copyright">
  286.                <div class="col-lg-7 text-center">
  287.                    <div class="widget">
  288.                        <p>Copyright &copy;
  289.                            <script>document.write(new Date().getFullYear());</script> All rights reserved.
  290.                        </p>
  291. <p>
  292.    < Top VPS Hosting Choice ><br>
  293.    <a href="https://evolution-host.com?ref=DQgZ6P" target="_blank">
  294.        <img src="https://x.mit-edu.top/static/images/evolution-host.png" alt="Evolution Host" title="Evolution Host" class="evhost lazyload">
  295.    </a>
  296. </p>
  297.                    </div>
  298.                </div>
  299.            </div>
  300.        </div>
  301.    </div>
  302. </body>
  303.  
  304. </html>
Copyright © 2002-9 Sam Ruby, Mark Pilgrim, Joseph Walton, and Phil Ringnalda