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Somatic Heart Method™


A Distilled Somatic Method to Overcome Your Anxieties, Overwhelm & Subconscious Blocks Holding You Back From Aligned Purpose & Fulfillment

Without Cognitive Therapy, Mindset Coaching, Plant Medicines, Illusionary Manifestation, or Spiritually Bypassing Your Generational Trauma Conditioning

 

 SOMATIC HEART™ 4-WEEK LIVE WORKSHOP

Next Cohort Begins Sunday, May 5th, 2024

Save $150 Early Bird for a Limited Time

I'm Ready!

"After 15 years of trying to heal, being unaware of all the subconscious unhealthy patterns, I have finally found the only thing I needed, myself. And this program taught me how."

— Anne Marie S.

 In 4 Weeks I Want You to Clearly See Where You Are Getting Stuck, Overcome Your Anxieties & Embody the Grounded Presence That Naturally Takes Aligned Action Toward Your Goals

For those who have experienced the path, the Somatic Heart™ has been referred to as “The Missing Piece” they were looking for all along.

You’re going to have to be ok NOT reading any more spiritual books, attending all the events, and taking all the courses. If you do... you’ll probably have the feeling that you just don’t need them anymore as you will now EMBODY UNIVERSAL TRUTH, no longer just cognitively think you understand it.

The Missing Piece to End Your Cycles of Healing


You're well educated on all the cosmic principles and laws of manifestation...


You've worked with therapists and mindset coaches...

You've attended all of the energy workshops, plant medicine ceremonies, and desert retreats...

But you still long for an elegant solution embodied in TRUTH to tangibly overcome your anxieties, overwhelm, and subconscious patterns...

You're ready to overcome unhealthy patterns in your relationships and consciously co-create harmonious loving partnerships.

You're ready to leave behind your healing stage and embody a life and career of purpose, power, and fulfillment.

You've caught yourself in an unproductive cycle of perpetual 'healing'...

Until now...

"Life-changing, and you really have to try it for yourself to see the depth of what I, and others who've done his meditations, are saying. I've felt my years upon YEARS of constant dissociation fade and melt away within seconds. I was back in my body, and that's all it took. 3 weeks into it, I find the safest, purest, and most beautiful feeling of love that I can imagine and one that feels more familiar than anything. His meditations brought me back 'home,' the only place I trust wholeheartedly, and one that cultivates an abundance of love and healing in all aspects of my life."

— Dua Kamran

Somatic Heart™
4-Week Live Workshop

In 4-weeks you'll learn to dissolve the ripple of generational conditioning at the source of your unproductive subconscious patterns.

Including how to:

  • OVERCOME ANXIETY: Access an effective somatic tool to overcome anxiety, overwhelm, burnout, and regulate your nervous system on call.

  • PEACE & CLARITY: Embody more peace, clarity and grounded presence in your marriage and break cycles of trauma bond relationships.

  • FAMILY HARMONY: Overcome generational trauma patterns impacting the harmony of your family and children. 

  • PURPOSE & DIRECTION: Discover greater clarity of your purpose and direction in your career.

  • CONFIDENT ALIGNED ACTION: Evolve beyond paralysis analysis and learn to take confident aligned action toward your goals.

  • OVERCOME FINANCIAL BLOCKS: Overcome and see clearly negative patterns impacting your career growth, business blocks, and finances.

  • PERFORMANCE FLOW: Ignite greater heart-aligned action, performance mindset, and productivity through alpha flow states. 

Philip’s Somatic Heart™ Method works to guide you to release static tension from within your cells and unlock greater clarity, ease, and flow.

Learn to overcome any life challenge the moment the challenge arises.

Learn how to cleanse the molecular friction from childhood conditioning holding you back from greater peace, fulfillment, and purpose.
 
No talk therapy.
No triggering breathwork.
No codependent mindset coaching.
No distorted embodiment coaching.
No plant medicines.
No micro-dosing.
No crutches.
No illusions.

Sovereign self-mastery to see your negative patterns and overcome them.

This is For:


✔️ You’re done with the repetitive loop of “healing”, working through anxiety, stress, overwhelm, and/or burnout, and you're ready to enter a state of aligned action.

✔️ You have taken all the courses and plant medicine ceremonies, but you’re tired of the cycle of dysregulation without an embodied method that also includes integration and action.

✔️ You’ve been searching for a method with real-world results that can help you nurture loving relationships, amplify your career/business success, heal family wounds, and benefit your health.

✔️ You're ready to embody true universal wisdom that empowers more clarity and performance-driven flow without the use of supplements or devices.

This is NOT For:


 ❌ This workshop is for educational purposes only and is not a replacement for therapy/professional medical advice. For deeper trauma support, please seek the help of a registered professional.

❌ Those that want a healer to do the work for them and are not committed to achieving their own results.

❌ Those that are not comfortable with consistent meditation.

❌ Those that are not ready to end the cycle of healing and take ownership of their actions, reactions, and life.

"If I had to pinpoint one thing here it's that I was able to be present with whatever challenge or decision was in front of me and instead of solely logically thinking my way through the choice, it's as if I now tap into a greater perspective where I can see the next best step and feel with every cell of my being that it's the next step to take.
It's very empowering. It amazes me how simple and effective this is. I've done everything from Vipassana to Joe Dispenza to all kinds of personal growth work and this is the most useful. It's kind of like the minimalist approach to cosmic consciousness."

— Jeff A. / Business & Performance Mindset Coach
I'm Ready!

4-Week Live Program Overview


The Somatic Heart™ Method

4 Clear Stages to Overcome Your Blocks & Anxieties While Catalyzing Greater Alignment & Fulfillment



— Week 1 —

Somatic Surrender to Uncover Core Blocks


This is a deep somatic surrendering of your body and breath to release the tensions embedded in your cells from ancestral trauma conditioning.

A. BEFORE: Dysregulated and incoherent energies to B. AFTER: Begin somatic surrendering process to entrain new frequencies of stability and uncover subconscious blocks.

We begin with my Somatic Heart™ Method to activate the regenerative intelligence of the body. I teach you how to self-induce healing alpha/theta/delta brainwave states by releasing the tensions in your body, molecules, and breath.This will promote greater neuroplasticity1 (changes the connections between neurons), stimulate neurogenesis (creation of new neurons), and activate neuroregeneration (cleansing of old neurons)By holding you accountable through deeper sessions you will learn to channel more quantum depth, optimizing your brain architecture2, and motivating efficient action to support long-term change.

— Week 2 —

Grounded, Stable & Safe
Embodied Presence


As you tap into grounded and stable energy in your body, you will create grounded, stable, and aligned outcomes in your life.

Entrain stable and grounded frequencies at the DNA level to stabilize into grounded presence.

You will begin to cultivate a real-time intuitive connection to uncover core subconscious patterns, survival energies, triggers, and emotional blocks programmed in your DNA from decades of childhood conditioning. This is the HOW to the power of now.

 — Week 3 —

Shifting Subconscious Patterns in Real Time


As you open up to the suppressed energies within your body, you will open up to radical clear sight of your subconscious patterns.

Consciously create forks in the road to shift from negative old patterns to positive new outcomes.

This method is a rapid way to catch your triggers, stressful reactions, parenting patterns, and any paralysis of inaction in real-time. You will be able to create forks in the road and forge a clear path for positive daily shifts in behaviors. Impacting every aspect of your life, relationships, finances, and career.

 — Week 4 

Aligned Action Toward Your Goals


This new wholeness and clarity will empower you to be more focused on your goals and direction ahead. No longer debilitated by a constant need to heal.

A clear heart creates an embodied aligned path.

Now tapping into:

> Greater emotional intelligence, emotional resilience, and confidence to build lasting, loving relationships.
> Aligned clear decisive direction in your career/business, and finances.
> Magnetic flow and aligned purpose untethered to past generational trauma conditioning. 

All in a supportive, safe, and nourishing hot-seat coaching container, holding you accountable to systematic transformation.

I'm Ready!

 About Philip Attar

Somatic Meditation Guide, Spiritual Mentor & Co-founder of the Academy of Living Intelligence™

I founded my practice in 2015 after transforming my own life from dis-ease into ease. In 2010, the stresses of my NYC Creative Director career (Swarovski, Vogue, Coach), the death of a family member and previous toxic relationships took their toll on my nervous system. I activated Graves' Ophthalmopathy disease and became cross-eyed with bulging eyes. This traumatic time led me to surrender every ounce of my will and to completely let go let God. Through this somatic process, I discovered that when you release deep tensions in your body, you can self-induce a healing state and activate your immune system. I was able to self-regulate my hormones without medications, leading to the development of my Somatic Heart™ Method.

My wife Amanda-Lee Attar and I live on Vancouver Island, British Columbia, Canada, and in 2024 launched our Academy of Living Intelligence™. Dedicated to the education, facilitation and science of healing, DNA optimization, and consciousness through our Somatic Heart™ and master-level Living Immersion™ Methods. With a life-long vision to build a world-renowned healing institution and retreat center as a legacy for future generations to share a greater ripple of our sovereign genius with humanity.

What's Included

4 Weeks of Live Community & Accountability to Support You in Embodied Transformation

Weekly Live Step-by-Step Somatic Guidance & Hot-Seat Coaching

Systematic guidance through the Somatic Heart™ Method in a live two-way hot-seat video coaching container with Q&A. Accountability in a supportive environment.

Recorded access for 30 days.

Private Community Off Social Media With Daily Support

A private Telegram community for daily support related to any subconscious blockage, Q&A, and accountability from Philip & Team.

You'll have access to this support channel while in the live program.

Member Modules via via Mobile App With Lifetime Access

4+ hours of pre-recorded Somatic Heart™ Method teachings and somatic meditations in our private Kajabi App member's portal with somatic meditations to keep and guide you for life.

You'll have lifetime access to the online modules via desktop and mobile.

Live Session Dates


All sessions live 10 AM - 12 PM PT (Pacific Time)
Session 1: Sunday, May 5th, 2024
Session 2: Sunday, May 12, 2024
Session 2: Sunday, May 19, 2024
Session 2: Sunday, May 26, 2024
Recorded if you miss any with 30 days access.
"I’m speechless at this point. All my life I planned, I tried to control, cuz I’m a “powerful” human being! But man oh man how childish I was, completely unaware of what True power feels like, what Truth can do. Thank you thank you thank you. For Philip Attar leading this experience, and for everyone joining this journey. There is true power on the other side of surrender and allowing. I’m a firm believer now.”

— Snow Gross / Wellness Coach

Pricing

Next Cohort Begins Sunday, May 5th, 2024

Save $150 Early Bird for a Limited Time

Somatic Heart™ 4-week Live Workshop

$498 USD
$348 USD

Save $150 Early Bird


 Distilled and proven Somatic Heart™ Method online modules and Philip's proven guided somatic meditations via app with lifetime access
✔ 4 x 2-hr live weekly video sessions 
 Recorded access to live sessions for 30 days
✔ Private community off social media via app

Register Now
For questions email [email protected]

Somatic Heart™
is the Profoundly Simple HOW to Ancient Spiritual Teachings

 

Knowing what your habitual patterns and problems are is NOT the same as mastering an effective method to actually overcome your anxieties, overwhelm, burnout, and subconscious blocks.

All the ancient knowledge in the universe is NOT the same as embodying more clarity, focus, and taking aligned action to build an aligned purpose-driven career or business. 

Knowing about every healing modality is NOT the same as being able to create whole intimate relationships and healed family dynamics.

In this 4-week Somatic Heart™ live workshop, you will learn the practical HOW to see your subconscious blocks clearly, shift a behavior in the now moment, and take aligned action toward your goals. 

This is where you learn to dive into deeper alpha and theta meditative states to stimulate potential neurogenesis and reduce the molecular friction from collective conditioning so you can embody your true power.

This is where you end the cycle of ineffective therapy, breathwork, and mindset coaching, that fail to get to the root causes of you repeated patterns and embody the wholeness of your core purpose so you can finally focus on building your legacy.

"After 15 years of trying to heal, being unaware of all the subconscious unhealthy patterns, I have finally found the only thing I needed, myself. And this program taught me how."

— Anne Marie S.

I'm Ready!

FAQs

Somatic Heart™ Testimonials

"You will not find a better source or program, you will gain more than you can imagine. I have taken many a course, with many different teachers, including an executive coach for 15 years. I’ve gained more from this workshop than from anything else I’ve done. Game changer as you walk away with a process you can use for a lifetime. A process that will open your heart to receive and give the love we are born with, learn to deal with any trauma and free your mind to creativity we all need more of. Being a part of the Somatic Heart™ Method Workshop was one of the best decisions I’ve ever made."

— Gale D. / 8-fig Tech Entrepreneur
"The Somatic Heart method changes you from the inside out, you become the highest, purest version of yourself. You realign with your own connection to everything that is God. You learn to laugh in the face of anything that you no longer resonate with. You tap into your own power, there is no denying how much you can change, that the people around you may not recognize you or want to know the real new you.

You finally become clear and everything makes sense even when you don't have all the answers. You are confident, you have no fear, you are real but so not real anymore.

This method changes your relationship with self, loved ones, social status, all aspects of your existence, all without ego. You feel things more and feel less at the same time, you want to do more for your self and you also have time for your loved ones, you have the time to do everything you want, you learn about the things that matter to you, you fall in love with yourself and so your life can really begin.

You realize the things and patterns of your former self that have had you bound, all restricting your movement and voice, these things have no hold over you anymore, you are freed from what held you so tightly and your heart opens.

I recall sitting down for my first Zoom day, which I barely had time for, which I barely made, and I recall Philip saying, take a note of how you are feeling this very moment. I recall how I felt, and that person simply does not exist anymore.

— Mina R. / Financial Risk Management Advisor
"I have learned to surrender in the moment as triggers or emotionally charged events or thoughts arise. I am a divine being, period. I am no longer leading with the labels of divorced, single mom, adult-child of an alcoholic, and abuse survivor. Those events shaped me in a lot of ways but they no longer define me. I have no desire to talk about the past. I am clear about how it impacted me, and I face the feelings that arise as a result but I am transmuting those feelings as they come and I move on.
From a business standpoint, I have hired a business coach and a small business consultant to support the elevation of my coaching practice. I am taking action as well as allowing the outcomes to flow. I am trusting the process. Let go, let God is becoming a way of being.
Each time I practice the method it goes beyond self-regulation, the trauma is alchemized. I have felt a releasing sensation during the longer practices and often I have felt like I am free-falling into Source energy. This feels like ancient wisdom that has been stored in my DNA and I am being reminded of how to access it."

—Chelese P. / Executive Leadership Coach
Alan M.
Private 1:1 Client: 8-fig Music Entrepreneur
"I have experienced a deepened level of groundedness, connectedness, integration, and harmonization of my thoughts and past experiences. This has resulted in an enhanced state of clarity and peaceful flow that has been transformative.

These practices are leading me to a completely new place of being. Over the past few weeks, I have experienced some of the most flowing and organic conversations with my kids and other key relationships, which have reinforced my intuitive conclusion that I am traveling down the right path, and moving toward a much more vibrant, clear, authentic/integrated spirited and potent, present experience.
Briar Rose
Actor, Stunt Performer
"These meditations have changed my life - they're so special in the space/vibration they create & allow me to connect into - a frequency of absolute PRESENCE. There is infinite potential for creation in the present moment & you have no choice but to tune into it - there is so much power of self in the body & in this space. Our cellular selves have an infinite intelligence and tuning into this network through Philip's guidance is incredibly powerful. Thank you, Phillip, for being here in this world"
Dua Kamran
 "Life-changing, and you really have to try it for yourself to see the depth of what I, and others who've done his meditations, are saying. I've felt my years upon YEARS of constant dissociation fade and melt away within seconds. I was back in my body, and that's all it took. 3 weeks into it, I find the safest, purest, and most beautiful feeling of love that I can imagine and one that feels more familiar than anything. His meditations brought me back 'home,' the only place I trust wholeheartedly, and one that cultivates an abundance of love and healing in all aspects of my life."
Yehan Jehan
“These meditations are phenomenal. They are not even meditations as you know them to be, they are the simple instructions we all must return to. You don't have to do anything to be. You simple must embody it all. We all suffer through trauma patterns and THIS right here, and the pointings of other teachers out there, goes to the root. To accept WITH the trauma that you will eventually discover to be non-existent in the timeless now. If we all simply already acknowledge we are already THAT, that includes your moody days and irritability too, which you will further notice as patterns waiting to be re-written. What was once learned, can be forgotten, and it can be re-written, but ultimately there is nothing to manifest, only FLOW! I look forward to Philip's upcoming meditations as well and thoroughly enjoy his content shared.”
Sumit Atwal
“I would recommend the Somatic Heart method to anyone who wants to live a beautiful, meaningful and empowered life from the inside out. This program is for those that want to live on their highest timeline untainted of trauma so that their original blueprint can naturally attract their best life. It’s been such a profound experience."
Robyn E.
Before joining the Somatic Heartt™ Workshop, I felt stuck, overwhelmed, and uncertain about the way forward. It seemed as if there was a missing piece that kept me from fully transforming and living from a place of embodied knowing. With Somatic Heart™, I began to access profound kinesthetic awareness that helped me remain more present in my body during my day-to-day life. More and more, I can catch my triggers in real time and shift my reactivity. Most importantly, I feel a greater sense of trust and safety within myself. This method has brought much clarity and simplicity regarding the 'how' when it comes to my healing and aligning with my purpose. It feels like this was the missing piece I was looking for."
Jess Bushnell
The results I experienced went far beyond what I expected when I initially signed up. I had desired support with moving through pretty major imposter syndrome. As a recently certified life coach, I kept bumping up against a lot of tension and anxiety, which I was interpreting as "blocks" to moving forward. Now, I've found a deeper sense of courage and groundedness that helps me keep moving forward in creating the heart-centered business of my dreams. With Somatic Heart™, I came out with a practice that I literally use in every area of my life. I have since used the method to re-direct my energy everywhere: when processing emotion, when my kid has a tantrum, when I get nervous talking to a client, when I get angry at my father... literally EVERY AREA of life."
Vicky Bush
Phil and his team are some of the best space holders I have experienced. There is a balance you feel with him, living what he is teaching while also showing his humanness and not pretending to know it all. Learning this method, I went from struggling to be present and calm, feeling extreme tension in my body, and struggling with decision-making to now feeling equipped to cope with stress and make wise decisions in my life. The most significant changes were in the micro habits, the ones that make up most of your life. I found myself making smarter choices like putting my health first and treating myself with compassion and heart."
Saiful Haque
“Before Somatic Heart™, I was experiencing deep heartbreak after the end of my marriage. I felt as if I had lost everything. My back was permanently hunched, my diet was not ideal, I was addicted to weed, my activity level was nonexistent, and I was diagnosed with ADHD and anxiety disorder. I was on antidepressants and overweight. The Somatic Heart™ method gave me clear sight and revelations about aspects of my life and behavior that were not aligned with me. I'm able to see patterns with clarity and take action to not repeat behaviors that do not serve me. Now, my mind is calmer, and my body significantly more relaxed. Most significantly, I've learned the art of letting go and to not judge myself. As a result, my sleep improved overnight. I began to treat my mind and body with respect. My body dropped weight as I let go of the stress, and I wake up more rested and energized."
Tanja K.
Before joining Somatic Heart™, I had a lot of challenges divorcing a narcissistic husband while simultaneously running a new business. In the rebuilding phase, I went through many different healing modalities, including reading all the self-help books out there. I started to recognize my patterns and how childhood traumas and family dynamics led to becoming dissociated. I took on new healing practices and did meditations, but something was still missing. Somatic Heart™ goes deeper than meditation. I felt kinesthetic awareness throughout my body, paired with incredible peace. I now see clearly how my body and soul are guiding me to a better life with patience and dedication. I also notice that my responses to my triggers are calmer. I've learned to soften into the friction and respond with skillfulness. This practice made me realize and embody the power of incredible potential. All conditioning, programming, and friction are slowly going away."
Ouida Patten
The Somatic Heart™ workshops facilitated nervous system regulation that I had not experienced before. I could feel into my body and experience it in a totally different way. The benefits have been immeasurable. Before, I felt really stagnant, wanting to create change, and unaware of what was keeping me stuck. This method has helped me have more focus and make better decisions for myself to shift in real-time. It has helped me move beyond the limits of meditations I experienced in the past. I’m so glad I gave myself the gift of this container; it assisted me in moving through the stagnant energy to more flow in my life. I never wanted to miss the live calls. You'll want to be in the space and feel the energy in real-time."
Marta Valverde Maestre
After 2 weeks of integration, I feel like I can move through fear with more clarity. I have more peace, energy, and a sense of connectedness to the world around me. I always felt supported by Phil and the team, and all my questions were always responded to thoroughly. The biggest takeaway was cultivating the ability to pause, and rest in awareness, which gave me a deeper understanding of when behaviors and patterns are happening due to previous conditioning. I now see when I am striving to control or numb. Somatic Heart™ has allowed me to see things for what they are instead of being wrapped up in them emotionally. Before, I lacked clarity in what actions mattered in my life and which ones didn't. I felt overwhelmed, confused, and like I was never doing enough. I felt reactive and like I was operating from fear, always wanting to rush through work and the present moment. This space has allowed me to process the emotions I hadn't allowed myself to feel for years with more ease"
Madeleine B.
My biggest challenges before Somatic Heart™ were my financial situation, allowing myself to be supported by my partner (and the universe) without guilt, feeling like a failure, and fear of visibility, procrastination, and lack of motivation. With this method, I entered very blissful trance states during the immersions. I was able to meet fears that came up with acceptance. I even received a big scholarship one month after finishing the course, which was massive for me - the biggest thing I have ever won. I love this technique!"
Lykechi McCoy
The positive results I experienced after Somatic Heart™ were that I cultivated a deeper self-love and self-compassion. I learned to truly take my time with things, to let things be a “slow drip,” because before I wasn't allowing myself to go slow and embody the things I wished to integrate fully. I also learned to have greater trust in myself to be my own guide, to figure things out, and to get through any challenge. My relationships became more fulfilling. Overall, the experience was fun, expansive, grounding, and adventurous. The live calls were great, and it was so good to be in the community. It was also transformative to have the hot seat coaching. Seeing people transform themselves and gain clarity in the moment was so helpful for me, even if I wasn't the one in the seat."
Vanessa Antoine
Before joining the Somatic Heart™ workshop, I was struggling to trust myself and was stuck in cycles of overthinking or fearing that something bad was going to happen. It felt like I was unable to move forward and uncertain about what actions I needed to take to advance in my business and personal life. Inside Somatic Heart™, I immediately noticed that the fear, anxiety, and persistent negative thoughts started to subside. I began feeling a sense of peace and that everything I needed would be revealed to me. I could feel certainty in myself even through times of uncertainty. I noticed that I am experiencing less resistance in my business, and taking action feels easier and simpler for me. I am more grounded and notice that I am showing up less anxious and controlling in relationships. I don't have a sense of panic when things don't happen exactly the way I see fit. If I could sum it all up, I feel like an element of ease has been added to my life. I'm able to soften in areas that call for me to be in my feminine and take on more masculine energy in the spaces that call for it. The program felt very inclusive and supportive. I could tell a lot of thought went into crafting the client experience, and it's one of the first times I've been in a program of this nature and not felt like something was lacking. I wish the calls were longer, not because they need to be, but because I truly enjoyed being in this space."
Kelly Rae Kerwin
I’m a spiritual healer and teacher who is constantly on the verge of scaling and always seemed to be working through some business challenges. Now, I have more bandwidth in my business. I had lost the love of entrepreneurship, and throughout the process, I had more energy for it again. My body feels better with so much tension released during the process. I even ended up bringing in more people into one of my offerings than I ever have before. I consider that a huge win. Phil and Sue are an amazing duo. My questions were always answered quickly."
Paul M.
Before, I struggled with business, finances, relationships, family, and purpose. Now, I have improved sleep, feeling safety in my body, new awareness around how often I'm experiencing levels of disassociation, and improved clarity when making decisions in my career and relationships. I really enjoyed the experience. I found Philip to be an excellent teacher and someone who facilitated profound healing and connection to self."

"A distilled, elegant, and effective solution to end your cycles of healing and embody a grounded, resilient, and magnetic presence."

I'm Ready!
***
QUESTIONS & SUPPORT EMAIL:
[email protected] 
 
TESTIMONIAL DISCLAIMER:
* All testimonials shared are from clients that worked hard to earn their results. Everyone is different and these clients understood that they manifest their own reality by showing up and doing the work necessary to change their own lives. They are not intended to guarantee, promise, represent and/or assure that anyone will achieve the similar results.

MEDICAL DISCLAIMER:
** Do not stop taking any medications without speaking to your physician, nurse practitioner, physician assistant, mental health provider or other health care professional. We are not providing health care, medical or nutrition therapy services or attempting to diagnose, treat, prevent or cure in any manner whatsoever any physical ailment, or any mental or emotional issue, disease or condition.

PROGRAM TERMS / FULL DISCLAIMERS >