MLM salespeople are, therefore, expected to sell products directly to end-user retail consumers by means of relationship referrals and word of mouth marketing, but most importantly they are incentivized to recruit others to join the company's distribution chain as fellow salespeople so that these can become down line distributors.[3][6][7] According to a report that studied the business models of 350 MLMs, published on the Federal Trade Commission's website, at least 99% of people who join MLM companies lose money.[8][9] Nonetheless, MLMs function because downline participants are encouraged to hold onto the belief that they can achieve large returns, while the statistical improbability of this is de-emphasised. MLMs have been made illegal or otherwise strictly regulated in some jurisdictions as a mere variation of the traditional pyramid scheme, including in mainland China.[10][11]
Been using product for a few days now ,I'm about one my 6th dose. I noticed today my hand from nerve damage has not dropped anything or felt numb,or even trembled. Even axienty has been managable. However I'm taking 250mgs.I boosted it up to 500mgs.3 or 4 times daily ,of 250mgs. It seems to have best effect atleast today.It's cold and rainy which,is better than snow ,is my most hightened pain days.Today 4/24/18. Has been a God send! 1 pain and axienty day free ...Makes me a believer! I stand by this products effectiveness. Hope my review helps another soul,that lives with same aliments.

Pros: This item is organic and produced in the USA. The appearance of the oil is very much like extra virgin olive oil, as it should be. It has a green shade indicating that it is full spectrum and unrefined. Nature’s Blueprint also added natural peppermint to make it more palatable. I think it tastes fine straight from the dropper, but it can also be added to a smoothie of some sort or maybe hot tea? I appreciate that it has a clear label for the supplement facts and dosing. If you ever buy something that doesn’t, I certainly wouldn’t take it.


Because the extraction used to make our CBD oil yields a full spectrum extract, our hemp extracts contain over 80 different phyto-cannabinoids, including CBD, CBC, CBG, CBG-A, CBC-A, and CBN, among many others. In addition to the cannabinoids naturally present in our industrial hemp extracts, there are many other types of natural molecules such as amino acids, carbohydrates, vitamins, omega fatty acids, and trace minerals. Additionally, beta-carotene, chlorophyll, flavonoids, ketones, nitrogenous compounds, alkanes, glycosides, pigments, water, and terpenes are all present in our CBD hemp.
The interviews and psychological connections lead me to conclude that MLM and NM companies, along with other small businesses opportunities, are important considerations for anyone entering retirement.  In fact, I believe the concept of starting a business for retirement income will become one of the most significant trends impacting retirement in the 21st century.  But it has to start with redefining entrepreneurship and framing it into a retirement lifestyle.  That means helping people find ways to turn a passion, hobby, or personal desire into extra money in their pocket… not to mention helping people see the importance of  planning for the non-financial aspects of retirement such as replacing a work identity, staying relevant and connected, as well as keeping mentally and physically fit.
LuLaRoe also says it invests “considerable time, resources, and talent” to support its “independent retailers,” as it calls its consultants. If they experience financial or psychological hardship through operating their businesses, it says it’s not the company’s fault. “Retail is not for everyone,” says a LuLaRoe spokesperson. “Retailers own their own business and make their own decisions…The success of any business depends on its leader’s own respective and independent business goals, and the strategies they employ to achieve those goals.”
Our hemp extracts may be extremely low in THC, but they are rich in terpenes. Terpenes are organic compounds and isomeric hydrocarbons (C10H16) found within hemp flower excretions. At Bluebird Botanicals, we develop the genetics for our hemp in highly-specialized Colorado greenhouses and source our crops from outdoor farms, which use organic growing methods and no pesticides. These farms cultivate specialty high-terpene hemp plants specifically bred to for the production of hemp and CBD oil.
During the Mary Kay heyday in post-war America, consultants would invite their friends to in-home parties (think Tupperware) or go door-knocking to sell their products in their neighborhood (think Girl Scouts). However, in the digital age, the game has changed. Consultants who had previously run out of doors to knock on or neighbors to invite over had to put their goods in a car and drive to the next town for fresh clientele. Now they just form a group on Facebook, fire up a Live video stream, and sell to eager customers across the country, like their own miniature Home Shopping Network.
Tammy et al, Through trial and error you will find a correct dosage. Try 50 mg daily....25 each 2x daily....if no results up the dosage until it works for you. Remember, there has never been a death from marijuana or CBD use. You might want to try a tincture or rub with CBD and THC. You won't get the psych high from it. Helps my friend with PArkinsons tremors. She takes 50mg of tincture and uses the rub morning and night. It is a miracle for arthritis. Good luck
Have a question about your finances? Michelle Singletary has a weekly live chat every Thursday at noon where she discusses financial dilemmas with readers. You can also write to Michelle directly by sending an email to michelle.singletary@washpost.com. Personal responses may not be possible, and comments or questions may be used in a future column, with the writer’s name, unless otherwise requested.
Multiple studies showed that CBD has properties that reduce inflammation. As such, it can be used to decrease sebum production. In other words, CBD oil might be good for your acne problem. One test-tube study showed that CBD had a noticeable effect on the sebaceous cells. When they came into contact with CBD oil, these cells stopped secreting any excess sebum. On top of that, CBD also lowered inflammation and stopped the so-called inflammatory cytokinesis before it manifested. Another separate study yielded similar results.
I appreciate your efforts in writing this article & don’t mean to disparage you, but there’s so much information that goes into this discussion & people need to be prepared ahead of time. One very important note is to make sure that nothing in the CBD will be contraindicated with many prescription medications, especially for diabetes, hypertension, blood thinners & anti-platelets for example. If a company’s website says their formula is a “proprietary blend”, call before you buy, please!
Christina Hinks, an aspiring journalist and the former moderator of the Facebook group, attempted to draw attention to LuLaRoe practices she found problematic. She has been collecting and documenting LuLaRoe issues at her blog, Mommygyver, which went from product reviews to educating readers on the risks of MLMs and inventory loading, revealing fat shaming by consultants, sharing stories of women who claim to have been victimized by LuLaRoe, and posting screenshots and stories of shenanigans by consultants and leaders at the top.
Hemp oil can be of various types depending on ways in which it is processed. Cold pressed but unfiltered hemp oil is dark green  and unclear liquid. It has an nut like flavor, somewhat grassy. The refined hemp oil is however colorless and lacks much of the original flavor of unrefined hemp oil. The refined version also lacks in many nutrients that are present in hemp seeds naturally.
In the United States, we're in the middle of a cannabis revolution. Our nation is slowly waking up to the truth that cannabis, what was once dubiously considered a dangerous psychoactive substance, is not only safe but extremely versatile in its medical benefits. This has been reflected in the sales of legal cannabis products, which is expected to grow from $6.6 billion in 2016 to $24.1 billion in 2025.
What makes CBD so appealing is that it’s non-intoxicating, so it won’t get you high, though it “is technically psychoactive, because it can influence things like anxiety,” Jikomes said. Although much of the marketing blitz around CBD centers on the fact that you can take it without getting stoned, there isn’t much research looking at the effects of CBD when used in isolation, with a couple of exceptions. One is the use of CBD to treat seizures: CBD is the active ingredient in the only cannabis product that the Food and Drug Administration has signed off on — a drug called Epidiolex, which is approved for treating two rare forms of epilepsy. Animal models and a few human studies suggest that CBD can help with anxiety, but those are the only conditions with much research on CBD in isolation.
Discontinue use and consult a medical doctor immediately if you experience unusual symptoms. Consult a medical doctor before use if you have been treated for, or diagnosed with or have a family history of any medical condition, or if you are using any prescription or over-the-counter drug(s), including blood thinners. Consult a medical doctor before starting any diet or exercise program. Improper use of this product will not improve results and is not advised. Use only as directed.

In June 2016, Sophie (name changed) quit her job in the suburbs of Fort Worth, Texas to sell for LuLaRoe, a rapidly growing clothing company that offers self-employment opportunities to American women in the form of hawking hyper-hued apparel. LuLaRoe’s consultants told her—and tens of thousands of other mostly rural and suburban women over the past five years—that she could provide for her family, join a sisterhood of supportive women, and find meaning in her life again through the conduit of colorful, stretchy fashion—all for a reasonable upfront investment of around $5,000.
Although MLM is most commonly associated with direct-selling distributorships and/or party planning companies, some major financial/insurance companies also employ this strategy, including Primerica and World Financial Group (WFG). Although party plan consultants will certainly gain valuable grass-roots marketing experience, the college-educated marketer will seek positions within these larger financial companies, or at the corporate level of an MLM company.
A salesperson can build his commission rate by advancing in rank/steps and by recruiting new distributors. Consider the commission rate of 10 percent if you were on the third step. If you recruit three distributors who meet their goals and earn the commission of 6 percent, then you earn something called differential commission, which is the difference between your commission and the commission of your recruits (an extra 4 percent). This way, your commission is tied to the group’s commission as well, ensuring a group effort when recruiting and selling.

Because the extraction used to make our CBD oil yields a full spectrum extract, our hemp extracts contain over 80 different phyto-cannabinoids, including CBD, CBC, CBG, CBG-A, CBC-A, and CBN, among many others. In addition to the cannabinoids naturally present in our industrial hemp extracts, there are many other types of natural molecules such as amino acids, carbohydrates, vitamins, omega fatty acids, and trace minerals. Additionally, beta-carotene, chlorophyll, flavonoids, ketones, nitrogenous compounds, alkanes, glycosides, pigments, water, and terpenes are all present in our CBD hemp.
The problem here is one of common sense. At a mere three levels deep this would be 1,000 people. There goes the neighborhood! At six levels deep, that would be 1,000,000 people believing they can make money selling. But to whom? There goes the city! And the MLM is just getting its steam going. Think of all the meetings! Think of all the "dreams" being sold! Think of the false hopes being generated. Think of the money being lost.
Due to its high content of omega 3 and omega 6 fatty acids, hemp oil has a composition similar to skin lipids, which makes it an excellent natural emollient and moisturizer. It is especially useful for dry, tired or dehydrated skin and nails. It increases the skin elasticity and water retention capacity in tissues. Pure hemp oil can be used to treat dry hair and is often included in hair conditioners.
Online retailers: Most CBD oils are sold through online retailers. These establishments tend to have the widest product range, and many offer free doorstep delivery. Online retailers also frequently post product reviews, allowing buyers to compare different oils based on customer experiences to determine which is best for them. These reviews can also be used to evaluate the retailer based on customer service, delivery, and product quality.
MLM and direct selling programs also offer very low barriers into entrepreneurship, often providing training, support, and ample encouragement along the way.  As retirees begin to realize they need activities that keep them busy, relevant, in good health, and connected to others, the time, energy and cost to participate in these kinds of companies make them very appealing to large segments of the population caught up in these dynamics.

Despite this, CBD is something nobody knows much about, and certainly nobody is monitoring it properly. CBD is widely marketed as a supplement, despite the Food and Drug Administration saying it does not qualify as such (this is because it is an active ingredient in drugs which are either approved or under investigation to be approved). According to the FDA, the 2018 farm bill “preserved the agency’s current authority to regulate products containing cannabis or cannabis-derived compounds,” though the agency has largely ignored CBD up until now. On the FDA’s FAQ page, a vague answer maintains there are “many factors in deciding whether or not to initiate an enforcement action”; the agency plans to hold a public meeting and generally fact-gather “in the near future.” The Department of Agriculture handles research grants and pilot programs for hemp, but that’s where its involvement ends.

It is first important to understand what CBD is. It is one out of at least 100 cannabinoids found naturally in the cannabis plant. For the past few years, there have been countless reports released about the medicinal power of this marijuana component. It really began gaining traction once people began to see how CBD could reduce seizure frequency in epileptic children without getting them stoned.
The extract known as CBD oil sold in the U.S. falls into one of two categories. Crystalline isolate exclusively contains CBD, as other cannabinoids have been removed; full spectrum oil, on the other hand, retains THC and other cannabinoids, and is only sold in states where marijuana use has been legalized. CBD oil can be consumed several different ways, including ingested capsules and food products, vaporizing, tinctures, and topical creams. The soporific effects of CBD oil are linked to its concentration; low-concentration oils will produce minimal effects, while high-concentration oils will produce strong effects.
Ashley (name changed), a mom and wife who lives in the suburbs of Indianapolis, signed up to sell LuLaRoe in August 2016 after her husband lost his job and was only able to make half his salary at the next one he found. “Simply put, I signed up to make money,” she says. Ashley opened three credit cards to cover the initial set-up cost and generated $3,500 a month in revenue for the first two months. But on the advice of other retailers, she plowed it all back into buying more inventory instead of keeping any of it for herself, her family, or their mounting bills. “Often increased inventory can assist in increasing retail sales to consumers,” says Justin Lyon, LuLaRoe’s chief marketing officer.
As more and more states legalize the use of marijuana, a product known as CBD oil has surged in popularity. A chemical compound found in the cannabis plant, CBD, or cannabidiol, is non-intoxicating and does not cause the noticeable euphoric effects associated with tetrahydrocannabinol (or THC, another marijuana compound). Products marketed as CBD oil may contain THC.
I have fibromyalgia and chronic fatigue syndrome. Also chronic migraines and environmental allergies. This has been going on for nearly 30 years . ALL my joints are affected and my muscles and skin as well. I’m to the point of giving up because I’m in constant PAIN. I need some serious HELP! CAN SOMEONE PLEASE TELL ME WHETHER THE HEMP OIL OR THE CBD WILL HELP ME MORE? ..AND GOD WILLING SOON?
Multi-level marketing companies are not required to release information about the average income of distributors in the United States. However, some MLMs do release this information in what is called an income disclosure statement. If you would like to see the amount of income gained by distributors on average for a specific MLM, search the company’s name in Google + “income disclosure statement.”
If you hear someone talk about a business model using one of the above terms, there’s a good chance it’s a multi-level marketing business. But understand this: just because a business uses one of the above terms, DOES NOT automatically mean it’s an MLM. As we’ll see later on, a business that uses direct sales to get products or services to the consumer might not be an MLM.
But even this discounted wholesale price is usually far higher than the market value of comparable products available from the supermarket. Participants nearly always find themselves in the unenviable position of having invested a lot of money in their own required inventory purchases, and desperately trying to recruit new distributors in an effort to earn commissions on their inventory purchases, and hopefully recover their own investment. So this raises the question: How often does it work out that way? How many MLM participants ever recover their own investments?

Pyramid schemes are illegal in all 50 states and in most countries in the world. The reason they’re illegal is because they promise extraordinary returns based on a structure that is unsustainable and will eventually collapse. In order to survive, pyramid schemes require an infinite number of recruits. Since there aren’t an infinite number of people, they always fall apart, leaving the people at the bottom of the scheme with empty pockets.  
Blessing’s clinical manager contacts did not perform formal studies on CBD. They didn’t want to open themselves up to legal challenges from the CBD companies, and in any case saw very little reason to bother challenging a product with a name like “100% Pure organic cbd oil hemp seed oil for skin with cheap price” that ships in bulk from Alibaba. They see a market littered with items like this and assume that no customer would reasonably assume it’s of high quality.
CBD (Cannabidiol) is a potent, non-psychoactive cannabinoid found in hemp oil. It is typically extracted from industrial hemp plants that are naturally high in CBD and other phytochemicals. It is the most prevalent of over 80 different cannabinoids found in natural hemp. It is commonly used for its therapeutic properties. Cannabidiol is responsible for a wide-range of positive health benefits through its interaction with the body's own endocannabinoid system.
“One of the unique facets of this business is that the victims are also perpetrators,” Brooks says, speaking generally of MLMs. “You’re trained to recruit your friends and family and neighbors.” He points out that when you onboard someone underneath you, especially if they live in your town or are in your friendship group, you are essentially creating a competitor. It’s as if you open a Subway sandwich shop and then encourage your neighbor to open a Subway right next door—and everyone is already sick of sandwiches.
A long time friend that you lost touch with for the last 10 years gives you a call and asks to meet up. After meeting up and breaking the ice, he/she then introduces a new revolutionary product and how you stand to get rich by selling it. Throw in jargons like passive income and downlines, you suddenly realise you’re beginning to be sucked into the dream they are selling.
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Any business must carefully consider supply and demand. For example, if the ReVo Corporation thinks that it will have a full-fledged fad on their ovoid sunglasses next summer, perhaps they should plan to build and distribute, say, 10M units. This involves gearing up factories, setting up distribution and dealer networks, and carefully managing the inventories at each level so that ReVo will still have credibility with their distributors, retail outlets, and the public the following year.
Yes! We ship our CBD oil to over 40 countries including Argentina, Austria, Australia, Belgium, Belize, Brazil, Bulgaria, Chile, China, Colombia, Costa Rica, Croatia, Cyprus, Czech Republic, Denmark, England, Estonia, Finland, France, Georgia, Germany, Greece, Guam, Guatemala, Hong Kong, Hungary, Iceland, India, Ireland, Italy, Japan, Latvia, Lithuania, Luxembourg, Mexico, Netherlands, Antilles, Northern Ireland, Norway, Paraguay, Peru, Poland, Portugal, Puerto Rico, Romania, Russia,  Slovenia, South Africa, Sweden, Switzerland, U.S. Virgin Islands, Uruguay, and many others! If you require assistance completing a payment, please contact us.
To start I read many reviews, because I was curious. I've lived with chronic pain for years and haven't had a prescription yet that helped or even partially touched the pain. I was reading about Hemp oil, CBD oil etc. on YouTube and that got me started checking this item out. The CBD oil is so expensive I couldn't buy it because that's a lot of money for something that might not work. I checked Amazon and they had it cheaper, but still expensive enough I didn't want to take the chance.
Zatural: Our Premium hemp oil drops, which contain full spectrum hemp oil, is great for assisting with general pain, inflammation, and anxiety. For legal reasons Zatural cannot make any claims that our products can cure or treat any type of medical diagnosis. Our Premium hemp oil also contains hemp seed oil, which is rich in omegas. You may find studies online that talk about how omegas can help cholesterol and blood pressure.

Management of chronic pain is another application for which CBD is ideally suited, and it works in a number of ways. It and other non-THC cannabinoids found in hemp flower-bud extracts work to block pain-conducting nerve impulses, which reduces your perception of pain. Stimulation of CB1 in the brain increases dopamine, which counteracts pain. Just as importantly, these same chemical substances reduce inflammation, the driving force behind pain, which allows healing to occur.

If it turns out that there is a "run" on ReVo products, and they sell out in mid-June, then they have miscalculated demand and will miss out on profits they could have made. The more serious problem, however, is overestimating the saturation point for the product. If they make 10M units, and sell only 2M units, this may be the end of ReVo as a company.

Tracy Willard of California began her MLM career out of necessity.  “Prior to getting involved in my business, I told my friends to never let me join one of those things… but when our family was hit by the mortgage crisis I had to do something different.”  She started her business with the intention some retirees may also find themselves.  “I started with the idea that I just needed to make my month easier.  My company helped me figure out what I needed to do in order to make an extra $500 per month.”
Project managers will have at least a bachelor's degree in business or computer science; certification in project management and/or SAP (systems applications and products) is also highly desirable. Fluency in one or more foreign languages may also be required, depending upon the international market(s) you work with. In addition, in terms of corporate-level management positions, five to seven years of international project management and/or MLM experience will be required.
Cannabinoids (CBD) have been used to manage symptoms in patients with cancer and are present in small amounts in hemp seed oil. One study showed that cannabinoid extracts inhibited the growth of lung adenocarcinoma cells. Further tests have demonstrated antiproliferative, proapoptotic, and antiangiogenic effects of CBD on breast, prostate, and skin malignancies. However, it is important to note that other studies have found that cannabinoids may also stimulate tumor growth.
Hemp oil is an abundant source of alpha-linolenic acid. Alpha-linolenic acid is an omega-3 fatty acid that is essential to proper organ function. It is similar to the omega-3 fatty acids found in fish oil, and can help prevent heart disease, arthritis and depression, according to the University of Maryland Medical Center. It can also help reduce low density lipoprotein cholesterol, the "bad" cholesterol that clogs arteries.
The limited studies out there indicate that CBD has, in its various interactions with the brain and immune system, some anti-inflammatory and anti-anxiety effects. It can balance out the effects of THC by reducing the anxiety THC sometimes brings, and many in the industry are big on “broad spectrum” or “full spectrum” configurations, which use many cannabinoids at once.

The claim that an MLM is merely a "common man" implementation of a normal real-world distribution channel becomes even more absurd in this case. Imagine buying a product or service in the real world and having to pay overrides and royalties to five or ten unneeded and uninvolved "distributor" layers. Would this be efficient? What value do these layers of "distributors" provide to the consumer? Is this rational? Would such a company exist long in a competitive environment?


I tried CBD oil and it was just as useful for pain as yoga. This expensive commodity is just another catch phrase replacement theology trying to be substituted for what used to be adequate pain control treatment. Today at least my Dr stands there and says sorry as he lowers the dose by another pill. Thank you for trying. Our last ditch effort on Earth will be no doubt be to smoke MJ..
Thus, a parallel or "shadow" pyramid of motivational tapes, seminars, and videos emerges. These are a "must for success," and recruits are strong-armed into attending, buying, buying, and buying all the more. This motivational "shadow pyramid" further exploits the flagging recruits as they spiral inexorably into oversaturation and failure. The more they fail, the more "help" they need from those who are "successful" above them.
Condensed CBD oil can be taken as a thick paste, but this is the least pleasant option. More commonly, the CBD oil is mixed with a carrier oil, such as hemp oil or coconut oil, to a specific concentration of CBD. The distinctive taste — which comes from the terpenes and not the cannabinoids — is often masked with chocolate, mint, or other flavorings. It typically comes in a small bottle with a dropper to administer the oil mixture.
Discontinue use and consult a medical doctor immediately if you experience unusual symptoms. Consult a medical doctor before use if you have been treated for, or diagnosed with or have a family history of any medical condition, or if you are using any prescription or over-the-counter drug(s), including blood thinners. Consult a medical doctor before starting any diet or exercise program. Improper use of this product will not improve results and is not advised. Use only as directed.
I wanted to answer this because we’ve already experienced this first hand. My Mom has chronic arthritis pretty much all over her body along with a severe case of Psoraisis through out most of her body. We were desperate to get her relief for several years and finally tried edible Cannibis. Since my Mom is in her 80s this was not easy to convince her to do. But her arthritis and Psoraisis was getting worse we tried Cannibis and it soothed her pain of arthritis…this was our main focus was to find her some relief of arthritis pain…after 3-4 weeks of taking the edibles (we got chocolate forms of edibles) we also noticed her Psoraisis was slowly disappearing! It’s now been about 7 mos and she is about 90% improved of her CHRONIC PSORAISIS !!! We weren’t really concentrating on her Psoraisis as much as focused on helping her get some relief of her arthritis, but miraculously – we were able to relieve her with both diseases…
There are a few common characteristics of most multilevel-marketing companies. First, the sales force does not receive a salary. Instead, a commission is paid for every product sold. Second, members of the sales force are encouraged to recruit more people and will receive a portion of their commission as well. The ultimate dream is to sit at the top of a pyramid, enjoying the passive income generated by an army of recruits. Sadly, that rarely happens.
Let's just suppose that "X" has been reached today in a particular MLM; the number of possible units sold at this price has just been exceeded, and you happen to be a starry-eyed prospect sitting in an MLM meeting listening to the pitch. Now consider: Does anyone in this company know about "X"? Does anyone care? Is the issue being suppressed on purpose for some other motive? Since we are supposing that the market saturation number "X" has been reached, everyone joining the MLM from now on is buying into a false hope. But that is not what the speaker will be saying. He will be telling you, "Now is the time to join. Get in on the 'ground floor'." But it is all a lie, even though the speaker may not know it. The total available market "X" has been reached and nobody noticed. All the distributors will lose from here on out. Could this be you? How could you possibly know at what point you will become the liar in an MLM?
It is a strict violation of the Food and Drug Administration DSHEA guidelines to make medical claims about the efficacy of CBD products in the treatment of any medical condition or symptom. Although preliminary research has shown tremendous promise of CBD oil helping people in pretty remarkable ways, legitimate CBD companies will refrain from making any direct medical claims. Be very wary of companies that defy this guideline, because if they disregard this particular rule, what other rules are they willing to ignore?
Prolonged use is not associated with an increased risk of side effects. In research studies, up to 1500 mg of purified CBD per day has been used to address various medical illnesses without reported harmful effects including changes in heart rate, blood pressure, temperature, oxygen and carbon dioxide levels, electrolyte balance, gastrointestinal function, psychomotor functions, or sleep cycles.
REM behavior disorder: REM behavior disorder (RBD) is a parasomnia disorder characterized by shouting, becoming physically agitated, or otherwise acting out during sleep. For many, RBD is a symptom of a larger, more serious condition or disorder, such as Alzheimer’s disease or PTSD. CBD oil minimizes the symptoms of RBD, and also alleviates the anxiety and painful symptoms that often accompany disorders that lead to RBD.
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