Overall risk
MediumDepends on the ejerforening
| Status | For sale through an agent, 1,199,000 kr (the original price was 1,405,000 kr) |
| Area | 92 m² per BBR (the ejerlejlighedsfortegnelse lists 85 m² of living space and 5 m² of basement), separate basement 5 m² |
| Rooms | 4 rooms, 2 bedrooms, south-west balcony |
| Built | 1969, three-storey block with no lift |
| Heating | District heating (fjernvarme or blokvarme) |
| Energy label | C for the whole building, valid until 07.06.2031 |
| Ejerudgift | 3,784 kr a month, share in the ejerforening 10/635 |
| On the market | Since March 2024, 930 days |
| Report date | 5 October 2026 |
A bright first-floor flat with a large living room, two bedrooms, a new balcony and a basement. The asking price is 1,199,000 kr (13,033 kr/m²). The original price was 1,405,000 kr, so it has already been cut by 15%. The listing has been up for 930 days (since March 2024), while similar flats in the area usually sell in about 126 days. The price per m² is below both the 12-month median for similar flats sold in Vejgaard (14,051 kr/m², n=43) and the median for sales in this same complex (13,989 kr/m², n=5), so the delay does not seem to be about price alone. The ejerudgift of 3,784 kr/month includes a balcony loan of 1,054 kr/month, and the seller writes that shared costs including water and heat are 3,690 kr/month, which implies about 1,865 kr/month for water and heat. The building's roof is fibre cement with asbestos, and the ejerudgift sets aside only 200 kr/month "for the roof". There are no ejerforening documents. Indicative market corridor 1.12-1.29m kr, moderate-to-low confidence. We would not advise bidding before you have the regnskab, budget, maintenance plan and minutes.
What would change this conclusion. A clean regnskab with no debts, a roof repair that is reserved for or already paid, a balcony loan with terms of no more than 10 years, an explanation for the long time on the market, and a price closer to 1.15-1.2m kr would raise the rating to "Acceptable".
The listing says "flot", "lys" and "fantastiske parkeringsforhold". The registers and the figures in the salgsopstilling say more.
On the ejerforening, the salgsopstilling gives only the 10/635 share, a reference to the standard vedtægter (articles of association, 2020, registered as a servitude) and a 30,000 kr charge in favour of the ejerforening salgsopstilling p. 4, 8. The annual regnskab, budget, minutes and maintenance plan are in neither the pack nor the agent's listing on the portal agent portal. Without them you cannot see debts, reserves or planned works. For a flat this is the main hidden risk: in an old building a special levy on all owners can reach 50,000-150,000 kr per flat estimate. Ask for the documents before you bid.
BBR describes the building's roof as "fibercement herunder asbest" BBR via danskadresseapi. The ejerudgift includes 2,400 kr a year "henl. til tagrenovering" salgsopstilling p. 7. The amount looks like a provision for a repair, but we do not know whether the repair has been decided or already paid for. The roof belongs to the ejerforening. A rough calculation: the building's living area is 2,658 m² over 3 floors, so the roof is about 890-1,000 m², and replacing an asbestos roof at about 2,600 kr/m² (DI, March 2026) gives 2.3-2.6m kr for the building. This flat's share by area is about 3.5%, which is 80,000-90,000 kr calculation roof area estimated. At 2,400 kr a year, it takes 33 years to build up that sum.
The flat was listed in March 2024 at 1,405,000 kr, then cut to 1,305,000 kr and to 1,199,000 kr, about 15% in all. The order of the cut dates on Boligsiden is unclear, which does not change the final price Boligsiden, agent portal. Similar flats in the area stay on the market about 126 days on average, and of 24 active similar flats only two have passed 330 days (this one and one other) Boliga calculation. The price per m² is below most similar listings, so the reason seems to lie elsewhere: ejerudgift, roof, ground floor, noise or general condition. We do not know for sure, and a conversation with the agent will tell you.
The balcony with its door is installed, and its cost of 92,000 kr is "belånes gennem ejerforeningen som et fælleslån eller egenbetaling" (financed through the ejerforening as a shared loan or paid by the owner). This contribution was earlier estimated at 580 kr/month before tax, but the ejerudgift now includes 12,650 kr a year, which is 1,054 kr/month salgsopstilling p. 5, 7. That is 28% of the whole ejerudgift. The difference looks like a shorter loan of about 10 years at 6.5-7% calculation terms not known. Ask for the term, the rate and the outstanding balance. Once the loan is paid off, the ejerudgift will drop.
The ejerudgift of 3,784 kr/month does not include water, heating or electricity salgsopstilling p. 5. The seller writes that "samlede fællesomkostninger med vand og varme, henl. til tagrenovering" (total shared costs with water and heat, provision for roof renovation) are 3,690 kr/month. Subtracting the fællesudgift of 1,625 kr and the reserve of 200 kr leaves 1,865 kr/month for water and heat calculation. The owner's own heating cost in 2023 was 7,800 kr a year (650 kr/month) salgsopstilling p. 5. The gap between these figures is not explained, and only the regnskab will close it. Known costs total 4,434-5,649 kr/month before mortgage and electricity.
Boligsiden: "possible impact from a 2-year event" for downpours, meaning an impact is possible even in rain that occurs once every two years Boligsiden. Road noise is 60-64 dB against a guide value of 58 dB, status "noise-exposed" danskadresseapi. The plot is in pollution class V1 (suspected, a former plant nursery), with 31 more records nearby danskadresseapi, DinGeo. On svamp (fungus), insects and rørskade (pipe damage), the ejerforening's insurance says "Ukendt" (unknown) salgsopstilling p. 5. Ask about the history of water and damp, and inspect the basement.
BBR gives 92 m² of living space, while the ejerlejlighedsfortegnelse gives 85 m² plus 5 m² of basement (90 m² in all) salgsopstilling p. 4 Boligsiden. At 85 m² the price would be 14,106 kr/m² calculation. The comparisons in this report use BBR. Ask why the figures differ (balcony, walls, measurement method). The "third room in the living room" from the advertising text needs a partition wall, a permit and, probably, the ejerforening's consent salgsopstilling p. 2 check the vedtægter.
There is a 30,000 kr charge (ejerpantebrev) in favour of the ejerforening, and "ejerskiftelånet skal reduceres" (the ejerskifte loan must be reduced) by that amount, which may reduce the bank loan salgsopstilling p. 7-8. There are no charges eligible for afgiftsreduktion (reduced registration duty), so you will pay the full mortgage registration duty salgsopstilling p. 8. The standard loan at 4% is below the current 4.5-5% for 30 years market rates, September 2026. Ejerskifteforsikring (home transfer insurance) is not available in the usual form without a tilstandsrapport and an electrical report. A Gjensidige leaflet promises cover of 250,000 kr, an excess of 2,000 kr and 5 years, but that is advertising, not an offer Gjensidige leaflet.
We do not rate the "Condition" category: a tilstandsrapport (condition report) is optional for flats and there is none, so the total is built on five categories. The building's condition is partly reflected in "Repair risk" and "Documents". Colours: red below 40, yellow 40-59, green 60 and above.
| Category | Weight | Score | Why |
|---|---|---|---|
| Price | 25% | 55 | 7% below the median of sales in the complex and area, but only 5 sales in the complex, and the price has already been cut by 15% with no buyer. |
| Condition | 20% | N/A | No tilstandsrapport (optional for flats), no data on the building's condition. |
| Area | 20% | 55 | Bus 90 m, Netto 160 m, school within 500 m, but noise of 60-64 dB, a possible once-in-2-years downpour, and V1 soil. |
| Liquidity | 15% | 10 | 930 days against about 126 typical, two price cuts, and another similar flat in the complex has been listed for 210 days. |
| Repair risk | 10% | 30 | Asbestos roof and its repair, balcony loan, ground floor, unknown maintenance plan. |
| Documents | 10% | 25 | There is a salgsopstilling and a brochure, but not a single ejerforening document. |
| Type | Ejerlejlighed (owner-occupied flat) on the first floor, st. th, in a three-storey block with no lift. Pets and letting are allowed salgsopstilling p. 4, 6 Boligsiden |
| Age | Built 1969 salgsopstilling p. 4 |
| Area | BBR 92 m² of living space. Tinglyst (registered) 85 m² of living space and 5 m² of basement, 90 m² in all salgsopstilling p. 4. The agent does not explain the difference in area |
| Rooms | 4 rooms, 2 bedrooms. By the plan: living room about 5.4 × 6 m, two rooms, kitchen, bathroom about 1.6 × 2.0 m (3.3 m²), hall salgsopstilling p. 3 |
| Balcony and windows | New south-west balcony with a door. The living room windows have been replaced with triple-glazed units. The description says nothing about the windows in the bedrooms, kitchen and bathroom salgsopstilling p. 2, 5 |
| Walls and roof | Brick walls, roof "fibercement herunder asbest" (BBR, building) BBR via danskadresseapi |
| Shared areas | 5 m² basement owned, shared laundry and basement rooms, bike storage, free parking salgsopstilling p. 8 agent portal |
| Servitutter (encumbrances) | Three entries: 1964 (right of way and sight lines), 2020 (ejerforening vedtægter), 2024 (declaration on a transformer station). We have not seen the text, so it needs to be read on tinglysning.dk salgsopstilling p. 4 |
| Layout | The agent's plan is a "vejledende tegning uden ansvar" (indicative drawing, no liability) salgsopstilling p. 3 |
The asking price is 1,199,000 kr (13,033 kr/m² per BBR). The original price was 1,405,000 kr, then 1,305,000 kr, now 1,199,000 kr, a total of -15% over 930 days Boligsiden, agent portal calculation. DinGeo mentions a probable sale at the building's address in 2015 for about 1,127,000 kr, but it is unclear whether that was this flat, so we do not use the figure DinGeo. Comparison: open-market sales of flats built 1964-1974, 73-109 m², Aalborg 9000, over 12 months (from 05.10.2025). The closest first, meaning the same 1969 complex, then a wider sample:
| Flat | Date | m², year | Price | kr/m² |
|---|---|---|---|---|
| Same complex, 1st floor | 08.2026 | 89, 1969 | 1,103,000 | 12,393 |
| Same complex, first floor (st. th) | 03.2026 | 91, 1969 | 1,197,000 | 13,154 |
| Same complex, 2nd floor | 03.2026 | 88, 1969 | 1,337,000 | 15,193 |
| Same complex, 1st floor | 12.2025 | 87, 1969 | 1,362,000 | 15,655 |
| Same complex, 1st floor | 11.2025 | 91, 1969 | 1,273,000 | 13,989 |
| This flat (asking) | 10.2026 | 92, 1969 | 1,199,000 | 13,033 |
Sources: Boliga and Boligsiden, as of 05.10.2026, sale type "alm. frit salg" (ordinary open-market sale). The March 2026 first-floor sale had almost the same area, year and price as this flat, and sold at the asking price with no discount. Earlier (outside the 12 months), similar first-floor flats in the complex went for 1,200,000 kr (2023) and 1,275,000 kr (07.2025, 88 m²). Active in this complex: 1st floor 1,101,000 kr (87 m², 210 days, cut twice), 2nd floor 1,298,000 kr (89 m², 150 days), 2nd floor 1,392,000 kr (87 m², 90 days), 2nd floor 1,495,000 kr (88 m², 30 days).
| Method | Result |
|---|---|
| Sales in the complex (n=5, fewer than 8) | 12,393-15,655 kr/m², median 13,989. For 92 m² that is 1.14-1.44m kr, median 1.29m kr calculation, n=5 |
| Sales in Vejgaard (n=43, widened because n=5 is too few) | 8,442-35,110 kr/m², median 14,051, first and third quartiles 10,917 and 18,778. For 92 m² the median is 1.29m kr. The sample mixes different streets and conditions, and the highest values are premium buildings Boliga calculation |
| First floors only (n=10) | Median 15,119 kr/m², but it is inflated by three premium sales. No first-floor discount is visible in this complex calculation |
| Asking prices in the complex (n=4) | 12,655-16,989 kr/m², the lowest being the flat that has been listed for 210 days after two price cuts Boliga |
| Discount from asking price | Boliga suggests about 4% for similar flats, and for this one 15% has already been taken Boliga |
| Foreløbig vurdering (preliminary valuation) | Ejendomsværdi 1,466,000 kr, grundværdi 815,000 kr. This is not a market price but a tax base, and it will have to be adjusted later salgsopstilling p. 4, 6 |
| Asking price today | 1,199,000 kr, 13,033 kr/m² salgsopstilling |
The ejerforening (owners' association) owns the shared property: roof, facade, risers, plot. Its debts and plans are paid by the flat owners in proportion to their share. There are no ejerforening documents in the pack, so this section is a "gate": we can judge it only from what is visible in the salgsopstilling.
| What is known | What follows |
|---|---|
| Share 10/635 (1.6%), the same tinglyst and administrative salgsopstilling p. 8 | This is your share of costs and votes. If a repair affects the whole complex, the share by fordelingstal (allocation figure) will differ from the share by the building's area. |
| Fællesudgift (shared charge) 19,500 kr a year (1,625 kr/month) excluding water and heat salgsopstilling p. 7 | What exactly it covers is visible only from the budget. |
| Roof repair reserve 2,400 kr a year salgsopstilling p. 7 | For example, 80,000-90,000 kr per flat takes 33 years to build up. If a repair has been decided, it is financed by a loan or a levy estimate. |
| Balcony loan 92,000 kr, 12,650 kr a year salgsopstilling p. 5, 7 | This is a fælleslån (shared loan) or a levy. If it is a fælleslån, joint liability applies (solidarisk hæftelse): other owners' debt falls on everyone. The terms are needed. |
| 30,000 kr charge (ejerpantebrev) in favour of the ejerforening, with no increase salgsopstilling p. 8 | The bank must take this charge into account. According to the text, the loan must be reduced by 30,000 kr, so you need own funds salgsopstilling p. 7. |
| Vedtægter of 2020, declaration on a transformer station of 2024 salgsopstilling p. 4 | New articles mean current rules (under standard 2020 articles, the general meeting approves the budget and maintenance plan), but we have not seen the text. A 2024 declaration means there is a utility installation on the site. |
| Building insurance through the ejerforening, svamp, insects, rørskade: "Ukendt" salgsopstilling p. 5 | Cover for damp and pipes under the ejerforening's policy is unknown. Ask for the policy. |
| Grundejerforening (property owners' association) "Vides ikke" salgsopstilling p. 8 | It is not known whether there is a second association (roads, parking). |
| Separatkloakering (separate sewers) planned "inden år 2065" salgsopstilling p. 5 | A long way off, but it is one more possible shared cost. |
The agent states plainly that no tilstandsrapport or elinstallationsrapport (electrical installation report) will be made salgsopstilling p. 5. For a flat this is normal practice and not a defect in itself. However, without the reports the seller does not get the usual protection under the huseftersynsordning (home inspection scheme), and ejerskifteforsikring (home transfer insurance) is not available in the usual form check with a lawyer. What is known for buildings of this age (era context, not a diagnosis):
Basis: all seven interior and exterior photos in the agent's brochure and the kitchen photo in the salgsopstilling (p. 2). These are the seller's photos, not an independent inspection.
| Element | What is visible | What follows |
|---|---|---|
| Living and dining room | Light walls, laminate or parquet, large windows and a balcony door, white radiators under the windows, curtains brochure p. 1, 2 | Neat and bright. The radiators are an older type with no visible thermostatic heads, so check the heat control. |
| Kitchen | Narrow galley kitchen, white cabinets, wooden worktop, tiling, washing machine and dishwasher in the kitchen, grey floor tiles salgsopstilling p. 2 brochure p. 1 | Modern look. A washing machine in the kitchen puts load on the water supply and ventilation, so check the extractor. |
| Bedrooms | Two rooms with bright blue walls, radiators under the windows, light curtains brochure p. 3 | Simple cosmetics, a repaint. The windows in the photos are white, and their age is not visible. |
| Bathroom | Light tiles from floor to ceiling, washbasin with a cabinet, toilet, a curtain rail in the corner brochure p. 3 | Neat, but little space. The condition of joints and waterproofing is not visible in the photo. |
| Balcony | Metal railing, folding table, a view of an open asphalt car park and the neighbouring three-storey brick building with a pitched roof brochure p. 2 | The balcony faces the car park, so expect noise and parked cars in view. The neighbouring building's roof looks like the one in this complex, but the roofing type cannot be determined from the photo. |
Not visible in the photos: the condition of ceilings and walls near external walls, the basement, stairs, fuse board, pipes, risers, the condition of the bedroom windows, the roof and facade of this building. We did not use aerial images or Street View for this report.
Heating: fjernvarme (district heating) or blokvarme (block heating), the source is stated in both the salgsopstilling and the agent's description salgsopstilling p. 5. Energy label C was issued on 07.06.2021 and is valid until 07.06.2031. The label was issued for the whole building, not for this flat: DinGeo states directly that it covers the whole building DinGeo, danskadresseapi. The actual heat demand depends on the floor and orientation, and a first floor above a basement usually loses more heat. We have not seen the label file itself with its recommendations, so there is not enough data on recommended measures and estimated costs. The routes we tried: DinGeo and danskadresseapi give only the letter and the dates. The label file can be requested from the agent or found by address on the Energistyrelsen website.
| Source | Per year | Note |
|---|---|---|
| Label calculation | Not enough data | The label file is not in the pack, and the label covers the whole building |
| Own heating cost per the seller | 7,800 kr (650 kr/month) | A calculation "in 2023", meaning three years ago salgsopstilling p. 5 |
| Water and heat by the seller's formula | 22,380 kr (1,865 kr/month) | 3,690 kr/month of shared costs minus the fællesudgift of 1,625 kr and the reserve of 200 kr calculation |
The gap between 7,800 kr and 22,380 kr a year (a difference of 14,580 kr) calculation. Part of it may be explained by water (which is not in the first figure), part by rising tariffs over three years, and part by some of the heat being distributed through the ejerforening. But a gap this size cannot be explained without the budget. Ask for the water and heat bills for three years and the breakdown in the regnskab.
Windows and heat. The living room has new triple-glazed units, and the other windows are probably older salgsopstilling p. 2 assumption. The radiators in the photos have no visible thermostatic heads brochure p. 1, 3. A heat pump instead of district heating is usually not an option for a flat, because the heat is shared.
| Item | Per year, kr | Per month, kr |
|---|---|---|
| Ejendomsværdiskat (property value tax) salgsopstilling p. 7 | 5,981 | 498 |
| Grundskyld (land tax) salgsopstilling p. 7 | 4,825 | 402 |
| Fællesudgift excluding water, heat and shared electricity salgsopstilling p. 7 | 19,500 | 1,625 |
| Rat control salgsopstilling p. 7 | 47 | 4 |
| Roof repair reserve salgsopstilling p. 7 | 2,400 | 200 |
| Balcony loan (fælleslån or levy) salgsopstilling p. 7 | 12,650 | 1,054 |
| Ejerudgift per the salgsopstilling calculation | 45,403 | 3,784 |
| Water and heat, lower estimate (2023 heating cost per the seller) | 7,800 | 650 |
| Water and heat, upper estimate (seller's formula) | 22,380 | 1,865 |
| Known costs in total, from calculation | 53,203 | 4,434 |
| Known costs in total, up to calculation | 67,783 | 5,649 |
Not included: electricity, contents insurance, mortgage. The taxes were checked: 1,466,000 kr × 80% × 0.51% = 5,981 kr, 815,000 kr × 80% × 7.40‰ = 4,825 kr (Aalborg 2026). This is the foreløbig vurdering, and the salgsopstilling contains both versions of the text on changing the valuation to the sale price. If the base is brought down to the price of 1,199,000 kr, the ejendomsværdiskat would be about 4,892 kr, so the difference is small calculation. The exact figure is given by vurderingsportalen.dk.
Mortgage by the agent's standard calculation: 6,730 kr/month gross and 5,390 kr/month net excluding ejerudgift, down payment 60,000 kr, rate 4%, 30 years salgsopstilling p. 7. Current 30-year fixed rates are about 4.5-5% market rates, September 2026. For a loan of about 1,139,000 kr at 4.75% that is roughly 5,940 kr/month for the loan alone, instead of 5,440 kr at 4% calculation example, a single loan. To get the monthly costs, add the ejerudgift and water with heat: within 4,434-5,649 kr.
One-off costs on purchase: per the salgsopstilling you need 1,220,869 kr (price 1,199,000 kr, registration of title 9,044 kr, lawyer about 7,000 kr, ejerpantebrev 2,500 kr and 1,825 kr, administrator 1,500 kr) salgsopstilling p. 7 calculation. Mortgage registration is not included: the seller has no charges eligible for afgiftsreduktion, so 1.25% plus 1,825 kr on a loan of 1,139,000 kr is about 16,063 kr salgsopstilling p. 8 calculation. Also your own advisers, a building expert, and an electrician's inspection. Rates are for 2026, so check before signing.
Insurance: ejerskifteforsikring without a tilstandsrapport and an electrical report is not available in the usual form. The Gjensidige leaflet for flats promises cover of 250,000 kr, an excess of 2,000 kr, 5 years, damage before you receive the keys, with no tilstandsrapport or electrical report, but it contains no terms or price for this flat Gjensidige leaflet. Read the full terms: what is excluded, and whether it covers what the ejerforening is responsible for.
| When | What | Range, kr |
|---|---|---|
| Now | Ejerforening documents, a building expert's inspection (first-floor damp, windows, bathroom), an electrical check | get a quote |
| Mortgage registration (loan of about 1,139,000 kr) calculation | about 16,000 | |
| 1-10 years | Repair of the asbestos roof: your share by area is 80,000-90,000 kr if the repair is approved in one go. The share by fordelingstal and the way of paying depend on the meeting's decision estimate, roof area estimated | 40,000-150,000 |
| Windows in the bedrooms, kitchen and bathroom, if they need replacing (at your own cost or the ejerforening's, per the vedtægter) estimate | get a quote | |
| Extra ejerforening levies for the facade, risers and pipes (in an old building 50,000-150,000 kr per flat) estimate | 50,000-150,000 | |
| Balcony loan until it is paid off (92,000 kr, 12,650 kr a year) salgsopstilling p. 5 | about 126,000 over 10 years | |
| Large | Separatkloakering, planned "inden 2065", a share of the general works salgsopstilling p. 5 | get a quote |
| PCB or asbestos in shared elements, if found: the ejerforening pays, divided by your share era context | depends on the case |
The range for the roof and levies is wide because the roof area is estimated from the living area, not measured, and we do not know what has already been decided. The balcony loan is shown as 10 years multiplied by 12,650 kr. Its terms are not known.
Arguments (analysis, not a promise of a discount): 930 days with no buyer and two price cuts; a similar flat in the complex sold for 1,103,000 kr in August 2026 and another is offered at 1,101,000 kr after two price cuts; the balcony loan of 1,054 kr/month; an asbestos roof and an unknown plan; no ejerforening documents; possible costs for the ground floor; a 7 m² difference between BBR and the ejerlejlighedsfortegnelse; a corridor of 1.12-1.29m kr.
Before signing: the ejerforening documents; a building expert's inspection; an electrical check; a check of ownership, servitutter and charges on tinglysning.dk; a valuation on vurderingsportalen.dk; your own lawyer; confirmed financing that takes the 30,000 kr charge into account; insurance for you, not for the seller.
The report was prepared without a tilstandsrapport, without an electrician's report, without the energy label file and without a single ejerforening document. Basis: the agent's brochure (8 pages), the salgsopstilling (9 pages), the Gjensidige leaflet (general), public registers and market data. The market corridor has moderate-to-low confidence: n=5 in the complex, n=43 in the area, a sample mixed by street and condition. The roof, electrics, damp, PCB and asbestos must be assessed by a specialist.
Conflicts and gaps that we showed rather than hid: 92 m² per BBR against 85 m² of living space in the ejerlejlighedsfortegnelse; a balcony loan of 580 kr/month in the description against 1,054 kr/month in the ejerudgift; water and heat of 1,865 kr/month by the seller's formula against 650 kr/month of own heating in 2023; a school distance of 389 m (Boligsiden) and 480 m (danskadresseapi); 930 days on the market per Boligsiden and the agent portal against a rounded "730" on Boliga; the price cut dates on Boligsiden in the wrong order; the salgsopstilling contains two alternative sentences on whether the valuation was changed to the price.
Sources (as of 5 October 2026): Boliga (sales history, search of sales and active listings in 9000 for 1964-1974, 73-109 m²); Boligsiden (BBR, listing history, foreløbig vurdering, school distances, rain and radon risks); danskadresseapi (the building's BBR, roof, noise, distances, V1 soil); DinGeo (label, noise, soil); skolegang.dk (schools); Bolius (asbestos, PCB); DI (roof replacement price, March 2026); skat.dk (registration rates); market rates, September 2026.
BoligCheck reads the documents for one house the way the example above does: 299 kr, usually delivered within 24-48 hours.
This is an information analysis, not a valuation and not legal advice.
The same topics in plain language. If something in the example applies to you, start here.