9-15-13

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Jimmy Boyd

5* (NFL) Carolina Panthers -3

4* (NFL) Houston Texans -9
4* (NFL) New Orleans Saints -3
4* (NFL) 49ers/Seahawks UNDER 44.5
4* (NFL) Cincinnati Bengals -6.5

3* (NFL) Denver Broncos -4

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Cleveland Insider

MLB
4.5* Mariners/Cardinals over 7.5 (E) 450/450
3* Rangers ML (-167) 501/300
2* Orioles/Blue Jays over 9 (-105) 210/200
2* Indians/White Sox over 8 (-115) 230/200
1* White Sox +1.5 (-120) 120/100
1* Twins +1.5 (-105) 105/100
1* Rays/Twins over 7.5 (+105) 100/105

CFB
1* Akron/Michigan under 59.5
1* Georgia State/West Virginia under 58
1* New Mexico/Pittsburgh under 50.5
1* Georgia Tech/Duke over 58
1* Tennessee/Oregon under 73.5
1* Northern Illinois/Idaho over 62.5
1* Central Florida/Penn State over 50.5
1* UMass/Kansas State over 56
1* Florida Atlantic/South Florida over 45
1* Kent State/LSU under 55
1* UTEP/New Mexico State under 57
1* Marshall/Ohio over 68.5
1* Western Michigan/Northwestern under 59
1* Oregon State/Utah under 57.5
1* Central Michigan/UNLV under 54
1* Wisconsin/Arizona State over 55.5

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Dave Tuley

Picks Week 2 NFL

Chargers +7.5

Dolphins +3

Redskins +7.5

Cowboys +3

Giants +4.5

Steelers +7 (Monday)

4-2-1 last week.

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Sportswagers NFL Week 2
Today's Free Picks for Sep 12, 2013


Minnesota @ CHICAGO
CHICAGO -5½ -105 over Minnesota

The Vikings 10-point loss to the Lions in Week 1 was about as flattering a score and you’ll ever see to the loser. Detroit left many points on the table. They scored 40 but could have just as easily scored 57. The Lions moved at will and they scored pretty much at will as well. Minnesota’s offense is weak, its defense is weaker and once again the Vikings are on the road. Then there is the all-important QB position. Either you have a good QB or you don’t. When the bright lights are on, a quarterback is the lead singer and all the attention is on him. If he shines, he is bathed in that spotlight. If he sucks, he shields his eyes from the glare. Christian Ponder sucks. Against a weaker Detroit offense, he threw three picks, was sacked four times and fumbled once. Last season, Ponder would often have trouble reaching the century mark in passing yards, an almost unthinkable struggle in today's pass-heavy NFL. The Vikes offensive strategy; ride Peterson and keep things simple for Ponder so he doesn't make the big mistake, is one that worked to a certain degree last season but fizzled out as the year wore on and it didn’t work last week. Chances are it’s not going to work this season either. By contrast, Jay Cutler is a good QB that has the arm, smarts and potential to be great. Better yet - Jay Cutler was never sacked last week against a very tough Bengals defense. That speaks volumes about how much this new, shorter passing scheme can help Cutler remain healthy. He passed for 242 yards and two scores against a good Bengals secondary and was able to spread the ball around to his four main receivers. Marc Trestman has been a quarterback guru in the past this positive start sure had to make Cutler feel poised and confident out there. Cutler has a bevy of quality receivers and he also has a great one in Brandon Marshall, who went off for 8 catches and 104 yards last week. The Vikings defense not only surrendered 115 rushing yards and two touchdowns to the Lions running backs, but they were also scorched by both Joique Bell and Reggie Bush as receivers. This bodes well for Matt Forte, another weapon in the Bears arsenal. Peterson had nice games against the Bears last year but he was great against everyone else. He also had a freak year that will not be duplicated this season. Without his lead blocker Felton, the outlook is less cheery. The Bears shut down the Bengal's rushing effort and no doubt will load up for Peterson again. The Bengals only passing success came with A.J. Green (who has no equal on the Vikings to be sure) and that was somewhat to blame because Charles Tillman was sick and throwing up during the game and even needed an IV during halftime. Folks, we have no idea why the Vikings are getting so much credit here. They are inferior by a wide margin in every key department that includes QB, offense, defense, special teams, coaching, receivers, intangibles, momentum and of course the field on which this game will be played on.

Our Pick
CHICAGO -5½ -105 (Risking 2.1 units - To Win: 2.00)



Cleveland @ BALTIMORE
Cleveland +6½ +100 over BALTIMORE

Baltimore gets a little extra rest for this game after that Thursday night debacle in Denver but do they really deserve to be this big a choice over Cleveland? We think not. The Brownies had a difficult time against the Dolphins but that was the first game with new offensive schemes and we assure you they’ll be better prepped this week. The oddity of the opening game for Norv Turner's new offense is that he elected to run Trent Richardson only 13 times while Brandon Weeden threw 53 passes. Weeden threw for 289 yards and one score but had three interceptions and six sacks. Weeden had an off game but he’s much better than that and we now get the benefit of some extra points with the Brownies because of their poor showing against Miami. Don’t overpay to wager on the Ravens. The Ravens come off the biggest season opening loss by a Super Bowl champ ever. It could have been even worse than the scoreboard suggested. The problem was exactly what the fear was - the Ravens defense did take a hit with the losses of several key players and the offense was just stunted without the likes of Anquan Boldin and Dennis Pitta. And they were facing a Denver team without Champ Bailey, Von Miller or Elvis Dumervil. Problem is, they have the same issues this week and we guarantee you that Joe Haden will be all over Torrey Smith, the Ravens only reliable receiver. Haden held Mick Wallace to one catch last week. Cleveland’s defense did an outstanding job in holding the Dolphins running game in complete check. The Brownies defense looks like it might be one of the most underrated in the league. With a depleted offense with a serious lack of talent, Baltimore is going to have problems sustaining drives and scoring points. Joe Flacco looked like the same average QB he’s always looked like and this year he has far less talent to throw to. The Ravens championship team swept the Browns last year, winning 23-16 at home and 25-15 in Cleveland. However, in both those games, Cleveland had a chance to win them outright. This season, the Ravens are worse and the Brownies are better. Additionally, the Brownies are a strong bounce back team with 10 covers in 14 tries after losing straight up. We’re calling for the upset here but will gladly scoop up these generous points.

Our Pick
Cleveland +6½ +100 (Risking 2 units - To Win: 2.00)



Detroit @ ARIZONA
ARIZONA +105 over Detroit


This line is off. There is no way the Lions deserve to be favored in Arizona but because Detroit has more appeal after a win and racking up 40 points, they are falsely being billed as such. That Lions win last week came in Detroit against a team without a quality QB. Yet that team, the Vikings, scored 30 points despite turning it over four times while Adrian Peterson had one good run the entire game. The Lions were as sloppy as ever and they are going to find the going much more difficult in the desert. Reggie Bush went off for 191 all-purpose yards last week in his Lions debut but the chances of a repeat or anything close is remote. Again, that was against a pathetic Vikings defense. Detroit’s offense is a formidable one for sure. Matthew Stafford is among the top 4-7 QB’s in the league but these are still the Lions, a team that stumbled through a 4-12 record last year, which saw bad decisions from both the coaches and players, along with plenty of undisciplined penalties. Nothing has changed. They did the same thing last week only they played a team that made more mistakes than they did. St. Louis needed a 14-0 fourth quarter last week to defeat these Cardinals by three points. The Cardinals come off that close loss in St. Louis but at least the offense is looking better. With Carson Palmer at the helm, the passing game was better than any time since Kurt Warner was still there. The rushing effort was decent as well, which translates into great when you are talking about the Cardinals who have never, ever, had a formidable rushing attack. At least no one still living has ever seen it. Carson Palmer has already paid big dividends. He threw for 327 yards and two touchdowns and gave the Cardinals a good chance to win. He even made Larry Fitzgerald look like the elite receiver he really is. Palmer was sacked four times and lost a fumble but that should improve as the season progresses. The important thing is that the Cardinals finally have a quarterback and Palmer takes a step down in class when facing the Lions defense as oppose to the one they saw on the road in St. Louis. The Cardinals always play better at home and in particular on defense. They were bombed by Jared Cook last week but no other receiver gained over 41 yards and Daryl Richardson was held to only 3.0 yards per carry in his own stadium. Detroit came in here last year and was whacked 38-17. That was against a very weak Arizona team. This year’s edition of the Cardinals is so much better with a solid defense, a veteran QB with new life and an entirely new coaching staff led by HC Bruce Arians and his outstanding credentials. Wrong side favored.

Our Pick
ARIZONA +105 (Risking 2 units - To Win: 2.10)



San Diego @ PHILADELPHIA
San Diego +7 +100 over PHILADELPHIA


WOW, did you see that?! That was awesome! Welcome to the NFL Chip Kelly! Turn on any radio or NFL preview show and the first thing that’s talked about is that display by the Eagles on Monday Night Football. It was one of the highest rated MNF games in history and Chip Kelly and the Eagles delivered the goods by running the most 1st half plays in 53 years and running up a 26-7 halftime lead. The second half saw the Redskins make it much closer but many people are suggesting that Chip Kelly was milking the clock and the Redskins closed the gap in garbage time. Philly Chip has to learn that, unlike in college, in the NFL, you put a foot on the throat of an opponent until it quits twitchin’. In any event, it was an exciting display and it caused the Eagles stock to skyrocket in just one week. Week 2 lines are almost always an over or under-reaction to Week 1 results and that’s the situation here. The Redskins were ill-prepared for an offense they had never seen before. This is not college football where 95% of the players will never play football again after graduating. These are the best players in the world and if Chip Kelly thinks he’s going to “change” the game, he’s crazier than Lindsay Lohan during a bender. It’s been tried before with Dan Fouts and the Chargers back in the 70’s and to a lesser extent with Dan Marino and the Dolphins in the 80’s. Between them, they have zero Super Bowls and Michael Vick is no Dan Fouts or Dan Marino. In fact, you can’t run an offense like Chip Kelly wants with a guy like Vick. He’s not good enough and he’s not smart enough either. With all those plays last week, Vick ended up throwing for just 204 yards and he’s a hit or two away from not finishing a game. And let’s not forget that a rusty Robert Griffin III, who did not play a single down in the preseason, threw for 329 yards and two scores on Philly’s defense. San Diego blew a 28-7 lead but don’t ignore that they scored 28 points on a heralded Texans defense. Philip Rivers hit eight different receivers on just 29 pass attempts. There is no way he gets to stop at only 29 passes thrown. Last week RG3 threw 49. The Chargers looked very good for nearly three quarters and they, too, were adjusting to a new coaching staff and new schemes. The Bolts are very likely to be better offensively this week against a weaker defense than the one they saw last week. The kicker here is that the Eagles played a hugely emotional game on Monday night and won. They have Andy Reid and the Chiefs coming in here for another prime time game on Thursday. In terms of situational betting, that being, the Eagles stock has soared in one week, they’re coming off a hugely emotional Monday night win, they have another prime timer up on Thursday and this number is an over-reaction to last week’s display, it doesn’t get much better than this. Upset possibility.


Our Pick
San Diego +7 +100 (Risking 2 units - To Win: 2.00)

Yesterday	0	0	0.00	0.00
Last 30 Days	5	3	0.00	+4.10
Season to Date	7	4	0.00	+6.10

Survivor Pick - Week 2
CHICAGO over Minnesota
Survivor Pick - Week 2
Raise your hand if you sweated out last week’s Survivor Pool with New England or Indianapolis and shame on you if you penciled in the Steelers after we warned you to not go near that favorite last week. Once again, we’re going to stick to our philosophy of avoiding the biggest picks of the week and that would be New England, Houston, Green Bay or Philadelphia of which 85%-95% of your pool will be on. Anybody picking one of those first three teams could not be faulted, however, we would be rather cautious about playing the Eagles. That brings us to our choice, the Bears over the Vikings. The Lions won by 10 points over the Vikings, but left a ton of points on the field by shooting themselves in the foot over and over again in the first half. They could have scored 50 and should have scored 40. Many teams will make adjustments after Week 1 but the Vikes just don’t have the personnel to get much better. This league is becoming more offensive minded every season and Minnesota is one of few teams that aren’t making the adjustment. Christian Ponder is not fit to QB in this league and when you don’t have a quality QB, you have no shot of winning more games than you lose. The Bears beat a very tough and well-prepared Bengals squad. Unlike the Lions, who defeated the Vikes by 10, Chicago rarely leaves points on the table. The Bears used to be known for their great defense and they are still a top unit. However, this season, the new Trestman offense has been a success in the one game played and it’s only going to get better. Chicago takes a huge step down in class this week, they have a vastly superior QB and offense and they also have the much better defense. Oh, and the Bears are at home. Our Week 2 Survivor Pick - straight up - is Chicago. Used
Week 1 Denver √

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Bookieshunter

3* NYG
3* OAK

2* BAL
2* NO
2* SF
2* DAL
2* CHI

1* PHI

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MTi

5* CAR - 3

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CHASE DIAMOND

9* NFL ROAD WARRIOR

Miami vs. Indianapolis
Point Spread: Miami +3/-125

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ocal sports -


(5) Saints -3
(5) 49ers +3
(5) Mia /Ind Under 42.5

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Point Spread Pros

Week 2 TOP Plays

San Diego +7.5
Dallas -3
Miami +3
HOUSTON -9.5

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CKO

10 *ARIZONA over Detroit
Late Score Forecast:

*ARIZONA 34 - Detroit 23


Arizona lost last week’s opener (27-24) in St. Louis, but it was obvious from start to finish that the Cardinals were
vastly improved over 2012’s QB-limited group. Even with the Rams’ front-seven pressure, veteran Carson
Palmer was able to utilize his high-quality receiving corps for 327 yards and a pair of TD passes. Moreover,
power back Rashard Mendenhall provided a steady run threat, with 60 yards in 16 carries. The excellent WR trio
of Larry Fitzgerald, Andre Roberts & Michael Floyd caught a combined 20 balls. Must expect the Arizona defense,
led by its deep group of DBs, to play better this week back home for Bruce Arians’ official home opener.
Meanwhile, new Detroit RB Reggie Bush (who had 191 yards rushing & receiving last week) caught a couple of
potentially nagging injuries (thumb, groin).

NINE-RATED GAMES:
BALTIMORE (-6½) vs. Cleveland—Special situation: Ravens gave up a franchise-worst 49 points at

Denver; proud defense rebounds vs. immobile QB Weeden (six sacks last week).

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THE GOLD SHEET

Key Releases

INDIANAPOLIS by 13 over Miami
SEATTLE by 14 over San Francisco
- - - - - - - - - - - - - - - - - - - - - - - -
OVER THE TOTAL in the Arizona/Detroit game

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Razor Sharp Sports
Under Carolina/Buffalo

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The Red Sheet

ARIZONA CARDINALS 31 - Detroit 24 - (4:05) -- Line opened at Detroit minus 1, and is still minus 1. The Lions have
bolstered their already potent offense (#3 in the NFL last year), with the addition of Bush, who contrib-
uted 90 RYs & 110 receiving yds in last week's win over the Vikings. So an easy one here, right, as
the Cards have lost 12 of their last 13 games on the field, with the SU winner here also covering? Not
so fast. The addition of Palmer gives 'Zona instant firepower (327 PYs in debut vs Rams), & that Lion
"D" allowed 28 ppg LY. Lions' Viking/Redskin road sandwich isn't the best of setups.
RATING: ARIZONA CARDINALS 88

NEAR CHOICES (Rated 87): Houston, Dallas, Pittsburgh (Monday)

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DOC'S

3 Unit Play. #102 Take New England Patriots -11 over New York Jets (Thursday 8:25 pm NFL Network) The Jets are becoming a popular pick for tonight, but the Patriots have won 5 straight games in this series. Throw in the fact that New England has not lost a game on Thursday Night Football, and we will side with better offensive team. Tom Brady has some of his playmakers banged up on offense, but the Jets just do not have any playmakers on offense. Expect New England to jump out early and cruise to a victory. New York is 1-5 ATS in their last 6 games against AFC teams. New England is 4-1 ATS (1 push) in their last 6 Thursday games.

4 Unit Play. #206 Take Atlanta Falcons -6 over St. Louis Rams (Sunday 1 pm FOX) Good teams know the value of avoiding an 0-2 start in the NFL, and thus I expect the Falcons to go all out in this game and win it by double-digits. I still do not know how St. Louis came back to beat Arizona last week as the Redbirds led for most of that game. I have never been a big believer in Sam Bradford as a proven winner in the league. Atlanta just has too many weapons on offense for St. Louis to keep pace in this game. St. Louis is 18-38 ATS (2 pushes) in their last 38 games played during September. Atlanta is 22-9 ATS in their last 31 games following a loss. Good teams do not start 0-2.

5 Unit Play. #220 Take New York Giants +4.5 over Denver Broncos (Sunday 4:25 pm CBS) TOP NFL PLAY OF THE WEEKEND. As bad as the Giants played in Dallas with six turnovers, they still were at mid-field with 2 minutes to play with a chance to win the game. Now they are at home and desperate for a victory against the high-powered Broncos offense. Good team know that it is very hard to make the playoffs when starting 0-2, and thus I truly believe that the Giants need this more. The Broncos are still missing some key parts on defense, and thus I like the Giants front four better than I do the Broncos front four. Expect a lot of points in this game, but the Giants will not only cover the spread, they will win straight up. The Giants are 10-4 ATS (1 push) in their last 15 games against teams with a winning record.

4 Unit Play. #223 Take Pittsburgh Steelers +7.5 over Cincinnati Bengals (Monday 8:40 pm ESPN) These traditional AFC North Rivals are set to do battle against one another tonight in Cincinnati. Both team's lost opening week, and I cannot ever remember Pittsburgh being this big of an underdog against Cincinnati. But that would seem to be warranted since Pittsburgh looked like the worst team in the league last Sunday against Tennessee. That being said, I expect a big bounce-back week from the Steelers, as they are pros and there really is not much carryover from week to week in the NFL. Pittsburgh is 12-5 ATS in their last 17 games following a loss. Cincinnati is 2-7 ATS (2 pushes) in their last 11 games against AFC North teams.

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FERRIGNO

6-Unit Play. Take #212 Chicago (-6) over Minnesota (1 p.m., Sunday, Sept. 15)
Note: This is our NFL Game of the Month.


While everyone else in the bobblehead media isn't quite sure what to do with the Chicago Bears I am staking a position - I think they are one of the best teams in the NFL. This whole situation is almost a carbon copy of how I felt about Atlanta last year. Last season NO ONE was talking about the Falcons in early September. But I said they had a great chance to make it to the Super Bowl. I was literally the only NFL analyst that considered them one of the best teams in the league and all they did was go 13-3. Well, I am on an island with the Bears this year but right now I think they are legit. I have talked about and written about Chicago this preseason, focusing on the fact that they have been much better than people realize over the last three years. They have completely addressed their glaring weakness - the offensive line - and they have a complete team. But the main thing that they have going for them, like Atlanta last year, is a fresh coaching perspective and a new, aggressive approach. They have the talent. And now that they are in attack mode we'll see how good they can be.

There is a lot going on in this game here. It is Chicago's second home game after a sharp win over a solid Cincinnati team. It is Minnesota's second road game after getting handled by Detroit. I felt like both final scores for each team last week was misleading. The Bears really outplayed Cincinnati. And if not for the ridiculous antics of A.J. Green the Bears would've won in a walk. Minnesota got smoked by Detroit. The 34-24 score didn't reflect all of the points that Detroit had taken off the board or that they left on the field for the rampant stupidity that is their trademark. So I think that these teams are further apart than maybe the line reflects.

The Vikings have not been a very good road team. They lost by 10 last week. They won a couple late season home games last year. But they also lost by 14, 9, 18, 10, 19 and 12 points. They are 3-7 ATS in their last 10 road games and 10-21 ATS in their last 31 on the road.


Also, this is a revenge game for Chicago. They had beaten Minnesota six straight times before losing on the road to the Vikings last year. But even in that game the Bears outgained the Vikings by nearly 200 yards and lost thanks to an INT returned for a touchdown. The timing of that game gave Minnesota a huge situational advantage as well, and at the time the Vikings were playing really good football. Now they are not. And now they are at a situational disadvantage.


But more importantly, this is a revenge game for the Bears because the Vikings stole their playoff spot last year. Chicago and Minnesota both finished with 10-6 records and they split their season series, but the Vikings had the next tiebreaker so the Bears were home with 10 wins. They remember. The Bears are talented and motivated. They just beat a better Bengals team last week and they didn't have half the motivation that they do this week. Let's stay ahead of the public with Chicago and get on their bandwagon early.

3-Unit Play. Take #210 Kansas City (-3) over Dallas (1 p.m., Sunday, Sept. 15)
The Cowboys are the same losers that they have been the past few years. I almost got suckered in - and I still think they could end up being the best team in an atrocious NFC East - but after watching them Sunday night I came to my senses. Tony Romo is banged up. Dez Bryant is banged up. And Dallas is in a letdown situation after a primetime victory over their rivals New York last week. The Cowboys were in a similar situation last season. They beat the Giants in Week 1. The next week they went on the road to Seattle and got manhandled by the more talented and physical team. I think that is what we have here. Kansas City is legit. I bought into them early and made a sizeable move on their season win total going 'over'. I have them going to the playoffs and I just like the karma around this team right now. I think that Arrowhead is going to be rocking. And new coach Andy Reid will want to make a good impression in front of the home crowd. Reid is very familiar with Dallas' personnel, having game planned for them twice a year for the last nearly 15 years in Philadelphia. I like the Chiefs defense. And Alex Smith will take care of the ball. So if the Chiefs play focused and tight football it will be just a matter of time before Romo makes a mistake that opens this one up.

2-Unit Play. Take #196 Philadelphia (-7) over San Diego (1 p.m., Sunday, Sept. 15)
1-Unit Play. FIRST HALF: Take #196 Philadelphia (-4) over San Diego (1 p.m., Sunday, Sept. 15)
I know that the Eagles are very much the "trendy team" right now. But I have to tell you, they earned it. And they have about 100 things working in their favor going into this game. The Eagles have to be feeling sky high after their convincing Monday Night Football win. They have to have a positive vibe this week. Now they get their home opener in front of a fan base just waiting to get behind their guys. So the warm and fuzzies will be all over Philly on Sunday morning. On the other side is San Diego. They have to feel awful after blowing a huge lead at home against Houston on MNF. So now on a short week they have to drag themselves across the country for a 10 a.m. start against a team that is on a different wavelength. But that's not even the worst part. The worst part is that San Diego is not going to be prepared at all for what Philadelphia is going to do defensively. And their issues will be exacerbated by the early start time. I expect the Chargers defensive players to have a "what the hell is going on here?" look on their faces about midway through the first half. And I think the Eagles will keep it going for another week.

2-Unit Play. Take #219 Denver (-4.5) over N.Y. Giants (4 p.m., Sunday, Sept. 15)
I don't think there is a convincing argument to be made for the Giants this week. Now, if this game was being played in Week 9 or Week 10 and this was the line I would probably stay away. The G-Men have proven to be a live dog in their day. But this early in the season the Giants just look like a mess. And the more I see and read about them the more I think that they are going to be awful this year. Truly, if you ignore their impressive Super Bowl run two years ago, the Giants have been perfectly average the last four years, missing the playoffs three times. Their core is aging and they simply aren't as talented as they were a few seasons ago. Just look at their back seven. It is a mess. Who is going to cover Wes Welker? Aaron Ross? How about the Thomas boys? New York's strength is its pass rush. But Peyton Manning doesn't get sacked. I do think the Giants are going to be able to score. But they won't be able to keep up with the Denver offense. The Broncos are just too far ahead of everyone right now and I think they are going to win this one going away.

2-Unit Play. Take #221 San Francisco (+3) over Seattle (8 p.m., Sunday, Sept. 15)



1-Unit Play. Take #217 Jacksonville (+5.5) over Oakland (4 p.m., Sunday, Sept. 15)


2-Unit Play. TEASER: Take #201 Miami (+10) over Indianapolis (1 p.m.) AND Take #205 St. Louis (+14) over Atlanta (1 p.m.)


I almost pulled the trigger on a lot more games this week. But we'll be patient. I lean on Cleveland, Tennessee, Carolina, and Detroit and I have a free play posted on New Orleans.


This Week's Totals


1-Unit Play. Take 'Over' 39.0 Jacksonville at Oakland (4:20 p.m.)

1-Unit Play. Take 'Over' 47.0 St. Louis at Atlanta (1 p.m.)

1-Unit Play. Take 'Over' 49.0 Washington at Green Bay (1 p.m.)


I would also add a 2-Unit Play on #205 St. Louis (+7) over Atlanta (1 p.m.).
This was my last play off the card but it is one that I really, really like. I would go with it.



MONDAY NIGHT FOOTBALL SELECTION
1-Unit Play. Take #224 Cincinnati (-7) over Pittsburgh (8 p.m., Monday, Sept. 16)