Bare Minerals Original SPF15 Foundation

When I first moved to Barcelona my skin broke out horribly due to the humid weather and polluted air and what not. And even though I love my trusted Clinique BB Cream for blemish prone skin, I wanted something even lighter that would benefit my skin instead of clog it up in this wheater. 

So I did some research and found out that Bare Minerals foundation supposedly is a natural, mineral foundation that is so pure that you could even wear your make up to bed. Now, because I never sleep in my make up, I can't confirm this, but what I can say is that it never once broke me out even after wearing it for 14+ hours in the summer heat of a big city. If I did that with any other foundation I have tried so far, like Estee Lauder Double Wear, L'Oreal True Match, or even the Laura Mercier Mineral Foundation Powder, I would wake up the next day with a huge zit on my cheek. Not with this foundation, though. When I apply it it feels more like skin care than thick and cloggy make up and it even covers up my acne scars without any problems (unlike the lady in Sephora tried to convince me), and it still lets my skin shine trough.

It does have a bit of a difficulty covering up gross, crusty zits, especially if you want to full coverage it can look quite cakey, so you have to be ok with a medium coverage. I also wouldn't recommend this if you have super oily skin, as the skins natural oils break through after a few hours, which I quite like as I have dry skin. 
I use the lightest colour fairy light which is still a tad bit too dark for my pale skin, but I just blend it down my neck with what's left on the brush and it is not a problem. What I also like is that it isn't red toned but more on the yellow side which counteracts the natural redness in my skin.
The brush I like to use for a light to medium coverage is the Real Techniques Buffing brush and for more of a full coverage I like to use the Real Techniques Expert Face Brush. 

 

schmidt's Bergamot+Lime Deodorant

If you are anything like me, you are always on the hunt for the perfect deodorant. It should obviously keep you from smelling throughout the day, but on top of that, it should also be free from any harmful ingredients. Over the time, I found that these two don't always go hand in hand and that most deodorants who kept me from smelling contained aluminium, which (supposedly) can cause Alzheimer's disease. 

It took me a while to find a good deodorant, but I finely found one that works great for me and I want to share it with you.

It is the schmidt's deodorant which consists of natural ingredients, such as, shea butter, cocoa butter, vitamin E and hop extract. It is also vegan and cruelty-free. It comes in a bunch of different scents but my favourite one is bergamote and lime. It smells like lemon cake, which sounds a bit strange, I know, but I just love the smell. 

With the little spatula it comes with, you scoop about a pea-size amount out and rub it underneath your arms. At first it does seem a bit strange but it's just something to get used to. It also doesn't leave any white or yellow marks on my clothes; and, most importantly, it keeps my armpits dry and sweat free even on hot summer days. Before I used this deodorant, the only one that worked for me was the Dove Maximum Protection deodorant, however, this one is full of chemicals and aluminium. The schmidt's deodorant is the only one so far that I have tried that works even better than the Dove one. So if you are still on the hunt for the perfect deodorant, do give this one a try.

 

H&M Beauty Products

A few weeks ago now I walked into H&M and my jaw dropped to the floor. I was greeted by a beautiful display of their new beauty product line and as a beauty addict I had to get some products to try them out myself. What initially drew me to the products was, of course, the gorgeous, sleek design. But after I swatched some of the products, I was positively surprised as I didn't quite expect such a high quality. 

The products I decided to try out were these four:

Pure Radiance Powder Blush Cameo Pink: this colour looks very natural and gives a subtle hint of a rosy sheen. It has a satin finish, is nicely pigmented and feels very soft.

Cover-Up Concealer True Beige: when I checked out the concealer shelf I was surprised by the wide range of colours. This is the first concealer that matches my skin tone perfectly. It is not to yellow or to pink and has a medium coverage.

Lip Definer Au Naturel and Cherry Tart: I was never a big fan of lip liners but when I saw both of these colour I couldn't resist the urge to buy them. Au Naturel is a brown-pinkish nude tone and Cherry Tart is a dark red. Both are very creamy and dry to a matte finish. 




 

Product Empties #4

For some reason I seem to got trough products really quickly... so since we have a lot ahead of us, I going to jump right in (insert diving emoji here)

Olive Tree Products Argan Oil Conditioner Sweet Orange
I got this at TK- Maxx a while ago, because, well Argan Oil. And it seems to have pretty natural ingredients so I thought I'd give it ago and I didn't hate it. It just wasn't hydrating enough for my hair, since I do have bleached ends, so I need something a little more nourishing. 

Batiste Dry Shampoo Clean & Classic Original
The scents of Batiste dry shampoos are always a little too overwhelming for me. And no matter how much I shake it, it always leaves a white cast on ma hair. I much prefer Colab dry shampoo, but since it is so hard to get your hands on here in Germany, this will have to do.

Lavera Hand creme
I really like Lavera. This must be my 5th or 6th tube of this hand creme. It is really moisturising but doesn't leave a greasy residue.

8x4 key to love tangerine Deodorant
I like this deodorant, because it doesn't contain aluminium. And I quite liked the smell, which is really sweet, but i am kinda sick of it now. And I much prefer the ...

Dove Maximum Protection Deodorant
Which does contain aluminium and that might be the reason why it actually works. I don't love aluminium, but I also don't like stinky armpits. But I am still on the lookout for a good aluminium free deodorant, so if you know one let me know :)

Alverde Body Butter in Vintage Rose and Macadamia Nut
Both are for very dry skin, however I prefer the Macadamia nut one, because it is thicker and seems to be more nourishing. The rose one is a bit lighter, and has more of a regular body lotion texture, whereas the Macadamia nut one is more like a traditional body butter.

Origins Clear Improvement Active Charcoal Mask
I bought this mask back in 2012, so it lasted me for a very long time. I really feel like it does draw out all the impurities of the skin. It is, however, quite drying, so I only used it on the areas of my face that could handle it. I am thinking about repurchasing it as well, but I would also like to try out something new.

Nivea Diamond Volume Shampoo
I didn't like this shampoo, because it made my hair feel heavy and greasy after around 3 uses. It also didn't give my any volume or shine. 

EOS Lip balm
I love EOS lip balms. I find them very nourishing and long lasting on my lips. Plus, the smell delicious. 


Dr. Hauschka Med Ice Plant Body Lotion
I absolutely LOVE this stuff and have raved about this many times. It is the only body lotion that can handle my skin in the cold and dry winter months. Must have.

First Aid Beauty Facial Radiance Pads
Now I have already repurchased them, because they have several acids in them and they are gentle on the skin and affordable. However, I found a new favourite in the Paula's Choice toner.

Paula's Choice CLEAR Exfoliating Toner
This one is a toner, which contains 2% salicylic acid and is specially targeted towards blemish prone, acne prone, skin. It really does what it says, it prevents breakouts, it reduces the look of big pores and it gets rid of blackheads and redness. It doesn't, however, get rid of my hormonal white heads. Nevertheless, I have already repurchased the bigger size.

Avene Cleanance Mask 
This mask contains glycolic acids, which for me, doesn't help getting rid of breakouts, but it does brighten my skin. It is quite harsh on the skin though, so I won't repurchase it.

John Frieda Sheer Blonde Colour Renew Shampoo
This is a colour correcting purple shampoo for blond hair. It does work, however I found a cheaper alternative in the drugstore, the Swiss Purple Shampoo, which I prefer.

Lavera Lime Sensation Shower Gel
I love this brand. The are cruelty free and organic and my skin loves their products. This one is no exception and the smell is divine.

Balea Beauty Affect Hyaluron Booster
Supposedly this is a dupe to the Indeed Labs Hydraluron, but only better, because it contains two types of hyaluronic acids. I don't know anything about that, however I like to use this in the evening under my moisturiser and i find that it does make a difference, but only if I continuously use it. If I apply it in the morning under my make up, I find that it roles of my skin with the make up.

OLAZ Essentials Complete Daily Moisturiser SPF 15
This is for dry skin and contains an SPF of 15. It was alright, but not great. I think if you are one a budget (which I should be, but I like to ignore that :/) and you are looking for a decent moisturiser with SPF, you could give this a try. 

Make Up Factory Eyeshadow #8
I bought this ages ago as dupe for Mac's Wedge and I much preferred it. It is a cool toned, light brown eyeshadow that is silky soft and blends like a dream. I also sometimes liked to use it as a contour powder, but it was too pigmented for my pale skin.

Catrice Eyebrow Filler Perfecting & Shaping Gel
Ever since using this product I fell in love with tinted eyebrow gels. I did find over time, however, that the brush was a bit too big and I since switched to the P2 eyebrow gel, which has a more similar shaped brush to the Benefit Gimme Brow.

L'Oreal Volume Million Lashes Mascara
An alright mascara, but it didn't give me enough volume and length. It is better for a natural lash look, which I don't want.

KIKO Super colour Mascara
This is a purple mascara and I was really excited to try this one out. And I was incredibly disappointed. The texture is really dry and grumble-y and doesn't coat the lashes at all, instead it fell straight on my cheek.


 - Julia xxx


 

Face of the Day

This is the kind of make up that I like to wear everyday when I don't really have anything special planned.

Foundation - Nars Sheer Glow Foundation (Gobi) 

Contour - Maybelline Fit Me Foundation Stick (355 Coconut Mokka)

Blush - Mac Blush (Something Special)

Eyebrows - Catrice Eyebrow Pencil (020 Date with Asthon) and Catrice Eyebrow Filler (010)

Eyes - L'oreal Miss Manga Punky Mascara

Lips - EOS Lipbalm

- Julia xxx

 

Nars Sheer Glow Foundation Review

I finally caved in and bought myself the Nars Sheer Glow foundation a couple of weeks ago. It is a little bit more difficult to get your hands on here in Germany, so my only option was ordering it online, which is always a bit tricky with foundations, since you can't try them out on your face. After a little bit of research I decided on the shade Light 3 Gobi, which has a yellow undertone, and, surprisingly, matches me perfectly.

 I like to apply this foundation with a beauty sponge since this sheers it out a little and also makes it go an easier. I would say that this foundation has a medium coverage, but can definitely be sheered out or build up. When applied with a brush, I noticed that it can get quite streaky and it emphasises all the little hairs on my face. When I have really dry skin, and dry patches on my face, it also likes to cling to them.

 As you can see, it really does a good job at evening out my skin tone and I can also use it as a concealer under my eyes. One thing that I have noticed is that it doesn't work well with primers, on my skin, anyway. It just slides around the face and never seems to settle. When set with a powder, it does last the whole day, though.

Pro

looks like skin 

colour range (+undertones)

buildable coverage

Con

sticks to dry patches and facial hair 

takes some time to work in

price (43€) 

All in all this is a decent foundation, but I do think that there are better ones out there on the market, especially in that price category. I enjoy wearing it and will definitely use it up, but I probably won't repurchase it.  

For any of you interested, this is where I purchased my foundation.


- Julia xxx

 

Garnier Micellar Cleansing Water

Micellar Cleansing Water - again, one of these hyped products that I just needed to try out for myself, and I am so glad I did. Micellar Water is supposed to work like a magnet for make up and dirt and therefore gently remove any impurities on your skin.

Now let me tell, ever since I have tried it for myself, I am converted! Call it laziness, call it genius face water stuff, call it whatever you want, but this stuff works really well for me. I use it at night to remove make up and dirt from my skin, I use it in the morning to remove sweat and dead skin cells and I use it after a workout for the same reasons. It is so gentle I can use it three times a day and it doesn't leave my skin red and irritated or dry and itchy. It just does what it is supposed to do. It literally feels like water, smells of nothing and leaves no residue.

Now I know Caroline Hirons would kill me for saying this, but ever since using this, I haven't used my coconut oil to cleanse, in fact I stopped double cleansing, and I have also given my skin a break from acid toners, and my skin seems to respond really well to it. Maybe I have just been going overboard with all the skin care products and my face needed a break and this is why I love it so much. Or maybe this stuff has revolutionised my skin care. I don't know, but I highly recommend you try it out for yourself.


 - Julia xxx


 

First Impression: L'Oreal Miss Manga Punky Mascara

When I first heard about the new Miss Manga Mascara, I knew I had to get my hands on it. I usually like to use the L'Oreal Telescopic Mascara, since it really lengthens my lashes. What I look for in a mascara is usually a plastic wand, lenght instead of volume and I definitely prefer a bolder look.

As you can see this mascara has a plastic brush with very short bristles that are quite far apart and the brush holds a lot of product. This really helps to build up the lashes and helps you apply a lot of product in very little time. The brush is designed to make your lashes look spicky and bold.

Before: My lashes are naturally not very thick and quite short. Here they are already curled.

After: This is one coat of mascara. As you can see, this mascara is not meant to look natural.

 It may appear a little too bold, but when you take a step back, it is not so overwhelming. Especially when I wear very little make up, I like my eyes to stand out, and this mascara really does that for me.

- Julia xxx

Product Empties #3

It is exam season, wohoo! And so I do what I do best, procrastinate. This time I want to show you which products I have used up over the past few months.

Dr. Stuart's Detox Tea: dandelion root, burdock root, peppermint and spearmint are supposed to detox the body. Do I believe in it? Not really, but it tasted really nice. Repurchase: Maybe.

Garnier Body Repair: this one is for really dry skin, so it is very rich, yet it is quickly absorbed by the skin and doesn't leave any greasy residue. Repurchase: Maybe.

Alverde Body Butter: again this one is for very dry skin. It is a litter rich than the Garnier body repair, since it is a butter. It stays longer on the skin, which I like, and leaves your skin silky smooth. Repurchase: Yes.

Dove Original Deodorant: nothing special to see here. Didn't love it, didn't hate it. The smell is quite powdery. Repurchase: No.

L'Oreal Elvital Nutri-Gloss Crystal Shampoo: this one has glitter particles in it to make your hair look extra shiny. Didn't really work on me, but it is a decent shampoo nevertheless. Repurchase: Nah.

Lavera Face Moisturiser: Your box standard moisturiser. No fuzz. It has very few ingredients and is very gentle, yet moisturising. If you have super sensitive skin, I would recommend this to you. For me it was a little too 'simple'. Repurchase: Not at the moment.

EOS lipbalm: the red one. Strawberry, maybe? I like their lipbalms, they are 99% natural (I think) and stay on my lips for a long time. Back in my Roaccutane days, this and Aquaphor were the only products I would use on my lips. Already repurchased.

Batiste Dry Shampoo: 3 of them. I am not a HUGE fan, however they are the best I have tried so far. They leave my hair feeling quite heavy, the smell is completely overwhelming, in a bad way, no matter which one I have tried so far. They also leave a white cast on my hair, which I really have to work in until it is invisible. Repurchase: Until I find something better, yes.

NYX Blush Taupe: Love it. It is the perfect contour shade for pale skinned people like me. Repurchase: Yes.

L'Oreal Telescopic mascara: This has always been and probably will always be, my favourite mascara. Very lengthening, not so much volumising. Repurchase: Yes.

Rimmel Stay Matte Powder: This is the best setting powder I have tried so far. It wears beautifully throughout the day and doesn't look cakey at all. Repurchase: YES.

Rimmel Wake Me Up Concealer: This was a decent concealer. Light enough colour-wise, but too light in coverage, in my opinion. Repurchase: No.

L'Oreal True Match Concealer: in the shade 2. This has a very yellow undertone, which I love, and has a good, medium to full coverage. Already repurchased.

p2 Mascara: Could be a dupe to the Telescopic one, but it is not as good an dried out very quickly. Repurchase: No.

CD Deodorant: Aluminium free. That is the only upside to this one. Repurchase: No.

L'Oreal Elvital Oil Magique: this is the best hair oil I have tried so far. Makes a huge difference to my haircare regime. Repurchase: YES.



The Body Shop Vitamin E Cleanser: I really like it. It left my skin feeling smooth and it was very gentle. But I ran out of this soo fast! Repurchase: No.

The Body Shop Vitamin E Moisturiser (Intense): This was such a lovely night time moisturiser. Very rich ans smooth. Felt very luxurious on the skin. Repurchase: Maybe (b/c of the price).

Lavera Milk Cleanser: I am already on my 6th bottle of this. Do I need to say more? Repurchase: Always.

Micheal Todd Charcoal Mask: Very gentle, yet purifying. Because it contains hyaluronic acid, I didn't find it drying at all. Unfortunately it is really hard to get your hands on here in Germany, so repurchase: no.

Rituals Tai Chi Shower Foam: to be honest, I was a little disappointed. I heard so many great things about their shower foams and in my opinion it is simply overpriced for what is does. And the smell wasn't great either. Repurchase: No.

Balea Shower Gel and Peeling: I don't think you can go wrong with Balea shower products. So affordable and they do what they promise. Repurchase: Yes.

Weleda Cold Cream: Not an everyday moisturiser. This one is really thick, so more for cold rashes and what not. The smell was lovely. Repurchase: No, bit only because I have my beloved Aquaphor.

Dolce&Gabanna The One Rollerball: LOVE it. It smells quite vanilla-y, but also quite woody. Some described to me as, when you smell it on a cold winters day, it makes you feel warm. And as strange as that might sound, it is true. Repurchase: I asked for the bigger version for Christmas, so yes.

Lush American Cream Conditioner: Very lovely smell. Like cupcakes. And it left my hair incredibly soft, especially since it doesn't contain silicons. But it is quite pricey. Repurchase: Maybe.

Guhl Hair Shampoo for Sensitive Skin: I like Guhl shampoos. Apparently the are concentrates, so you only need very little product. Unfortunately this exact product left my hair feeling a bit dry. Repurchase: No.

Chanel Moisturiser: I'm sorry, I don't remember the exact name of this one! But it was how you would expect Chanel products to be. Repurchase: No, unless I'll win the lottery.

Maybelline Fit Me Powder: Didn't love this. It didn't really mattify my face and it didn't last very long. Repurchase: No.

Catrice Eyebrow Gel: Love it. It has fibres to fill in any gabs and it comes in two different colours. Basically a dupe to the Benefit gimme brow. Already repurchased.

Hübner Augenbalsam: I wanted to like it because it contains hyaluronic acid. But I am not too sure about it. It was quite moisturiser, though, but I am not sure if any other moisturiser would have had the same effect. Repurchase: Maybe, one day.

Paula's Choice BHA 2% Exfoliater: This was the very first exfoliater I used, therefore it will always have a special place in my heart. But I have to say that I am not blown away by this, despite the great reviews on the PC Website. Repurchase: No.

The Body Shop Aloe Vera Moisturiser SPF 15: This one broke me out when I first tried it. Then I gave it another try after my Roaccutane course and it was fine. I liked it, because it contained SPF. The smell really put me off. Repurchase: No.


I am sorry this was a long one! I'll speak to you soon. Oh and also, this is my very first post for 2015, so happy new year! :D

- Julia xxx


 

Updated Evening Skincare

My skin condition pretty much changes with the seasons and therefore I like to update my skin care two to three times a year.

First things first: I got to take off my make up and all the dirt my face likes to collect throughout the day and for this step I like to take good old coconut oil. Unless you have been living under a rock, you must know by now how many benefits coconut oil has and it works great as a first step cleansing balm. 
I like to rub it on my dry face and really massage it in, to get everything off that doesn't belong on my face, like oil (oil attracts oil), dirt, make up, primer, sunscreen and all that fun stuff. Then using a clean face cloth and running it under hot water, I take everything off. 

After that I cleanse my face with the Body Shop Vitamin E Cream Cleanser. I like to use a better cleanser for the second round, because I don't just want to use it to get my make up off but to actually benefit my skin. And I simply take it off with water.

Then comes my favourite step involving acid toners. 
This step is so crucial and really makes the biggest difference in my skincare routine. I like to switch between the Paula's Choice Skin Perfecting 2% BHA Salicylic Acid, the Paula's Choice CLEAR Anti- Redness Exfoliating Solution 2% Salicylic Acid and the Alpha H Liquid Gold. 
I use the Liquid Gold only two to three times a week, because it is very strong and I use the other two exfoliaters the rest of the week.
Acid toners help with acne, blackheads, red scars, fine lines, they minimise the appearance of pores and they help your face absorb whatever product comes next better. 

Sometimes, when I have a lot of extra time, I like to use an exfoliating mask on top of that, for example the Avene Cleanance Mask.

The next step is eye cream, I especially like the Hübner Augenbalsam plus, because it contains hyaluronic acid and last but not least I use the Vitamin E Intense Moisture Cream for very dry skin.

- Julia xxx


 

September Favorites

I am so excited for fall.  
I'm excited for golden and red leaves dancing in the wind and collecting chestnuts.
I'm excited for big oversized sweaters and scarfs, fluffy blankets and hot tea. 
I'm excited for candles and fairy lights and long nights by the fire place watching TV. 

Make up wise I am looking forward to smoky eyes, dark red lips and just being able to get away with wearing more make up and experimenting with bold colors. 

Bath and Body Works - Leaves Candle

Laura Mercier - Hydrating Primer

p2 - Sophisticated Volume + Stretch Mascara

Precision Beauty - Angled Blush Brush

  Dolce & Gabbana - The One

OPI Nail Lacquer - Red

 Maybelline - Instant Age Rewind Concealer 01 Light

Argania Spinosa - Argan Oil

- Julia xxx


 

Product Empties #2

Over the last couple of months I have been collecting the products I have used up, so you know what's coming.

 I love Lavera. Everything they do. There has not been one product that disappointed me. The shower gel is not drying, the body lotion is nourishing but not sticky and the smell is just divine.

CD is my favourite brand for deodorant, because the don't use aluminium as an ingredient and it works best out of all the products I have tried without aluminium. It is not the best deodorant I have tried, it has probably a 4- 6 hour protection, but it is the safest.

Surprise! Lavera again. Lavera GALORE! Like I said, they can do no wrong in my book. 

The hand creme is very moisturising, yet sinks in very quickly. 

Both the "Foam" Cleanser (which doesn't foam at all and isn't stripping) and the Cleansing Milk are amazing. I repurchased the cleansing milk and use it as a second cleanse in the evening and in the morning. 

And on the right- hand side we have two samples but they still count, right?! After I have used them both up I had to get the full size one.

Lush is one of my favourite brands for moisturisers because they use natural ingredients and my skin does not react badly to them. The Celestial one is great for the winter, since it is so nourishing. The Cosmetic Warrior was a face mask with garlic as an ingredient. Don't ask. Not my favourite.

Balea Shower Gel. A bit to drying for me. Won't repurchase. The same goes for the self tanning spray by Ganier. It was too orangy and it only tanned by legs?!

The Silver Shampoo by Schauma was my saviour in dark times. A couple of months ago I bleached my hair myself, as I do, and my hair turned out yellow. Enough said. This shampoo really made a difference, though.


Now that I am done with Roaccutane, I have also finished my Aquaphor. I love this stuff, even though it caused a little dilemma at the end of my course. 

Rituals body cream for dry skin. Nothing that has impressed me too much. 

Unfortunately I also wasn't too impressed with the Dr. Hauschka Ice Plant Face Cream. It just wasn't rich enough for me, as opposed to it's big brother the Ice Plant body lotion, which is one of my holy grail products.

I also finished some eye drops, which very fine and two make up products. My favourite drugstore concealer, Maybelline Fit Me, and a mascara.

Hopefully next time there will be more make up products because that's always more exciting. Thanks for reading!

- Julia xxx
 

 

Post- Roaccutane Update ( 1 Month )

I think it's been roughly one (maybe two) months after I finished my Roaccutane course and I must say I am rather happy with the results.

Honestly, I can't even remember when my skin last looked this good. I don't have any active breakouts, almost no white-/ blackheads and the rash I developed last month is pretty much gone, also. 
The only thing I am left with are some scars, but they are pretty easy to cover up so I can't complain. 

I'm slowly re-introducing some acids (AHAs/ BHAs/ Glycolic Acid) back into my skincare routine. At the moment I am using Paula's Choice BHA Exfoliant every other day and even though my skin feels fine, I can tell that my skin is still very sensitive and thin (?), so I'll be holding off on the Liquid Gold for a while.

I've been noticing that the last few bits of the drug are wearing off, so my hair is starting to get oilier quicker and the extreme hair growth has stopped as well. But on a more positive note, my skin is not so incredibly dry and flaky anymore and I am starting to feel confident again not wearing any make up, which is a big deal for me. 

  
- Julia xxx
 

 

Benefit Gimme Brow Dupe?!

 
 I may or may not have found a dupe for the Benefit's Gimme Brow eyebrow gel. Check out this Catrice Eyebrow Filler Perfecting and Shaping Gel.
 It is a "naturally tinted Eyebrow gel, suitable for all eyebrow colours. The fibres fill in small gaps - for dense and perfectly shaped eyebrows within seconds!". 

I would say it's suitable for all eyebrow colours except really dark ones. 
The tinted gel colours your eyebrows, making them look more defined and the fibres help fill them in and make them look three dimensional. After a few seconds it dries and sets, so it lasts throughout the whole day. This is a great alternative to the Benefit eyebrow gel and for only 2,95€ it doesn't break the bank. 

 - Julia xxx