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Cannabis Banking Today – Canna Law Blog™

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We are helping build out another marijuana banking program here in Oregon. My law firm has done a series of these for credit unions (“CU”s) and other financial institutions (“FIs”) going back to 2014. We have also handled a good bit of hemp banking work– mostly in 2019 and 2020 before that industry cratered. In this post, I’ll sketch out some considerations for FIs looking at banking marijuana-related businesses – or, as they are known in the common parlance, “MRBs”. And I apologize in advance for all the acronyms. That’s banking.

MRB defined

The term “MRB” is used pervasively in cannabis banking, yet this term is not defined in the moldering 2014 Financial Crimes Enforcement Network “FinCEN” Guidance. It’s also not defined in the 2020 National Credit Union Administration Guidance on banking hemp-related business (“HRB”s) (which we helped write) or the 2020 FinCEN Guidance on that related topic.

The lone federal definition we have is from a 2018 Small Business Administration (“SBA”) Policy Notice, as revised, which categorizes MRBs as “direct marijuana businesses”, “indirect marijuana businesses”, and “hemp-related businesses.” Here is my shorthand:

  • Direct Marijuana Business.” A business that grows, produces, processes, distributes or sells marijuana or marijuana products. Applies to personal and medical use activity.
  • Indirect Marijuana Business.” A business that derived any of its gross revenue for the previous year from sales to Direct Marijuana Businesses. Examples include testing labs and sellers of grow lights or smoking devices.
  • “HRB” A business trafficking in hemp which “can demonstrate that its business activities and products are legal under federal and state law.” Examples given are paper, rope and clothing companies.

I have written on this blog that “all businesses are marijuana businesses” in the MRB context. In that piece, I also explained that FIs don’t really use the SBA definitions set forth above. Instead, early, state-chartered CUs began using a three-tiered system to analyze potential MRB clients within the FinCEN framework. That system was first expounded in 2016 by Steve Kemmerling of CRB Monitor, before “hemp” was removed from the definition of “marihuana” under federal law. The CRB Monitor system involved the following categories (which SBA probably referenced):

  • Tier I MRB: “Plant touching” businesses licensed by the state. Cannabis dispensaries, cultivators, processors and testing facilities all fall under this definition. These are the highest risk businesses for banks and constitute the majority of suspicious activity report (“SAR”) filings.
  • Tier II MRB: Businesses that rely on Tier I MRBs for the majority of their revenues and play a large role supporting the industry. See: equipment suppliers, consultants and industry associations. These businesses are lower risk for banks than Tier I. However, banks target them for enhanced KYC (“know your customer”) protocols.
  • Tier III MRB: Businesses that service Tier I businesses, but do not rely on the cannabis industry for their primary source of revenue. Classic examples include lawyers, accountants, property management firms and utility companies.

It’s worth noting that CRB Monitor revised and further parsed its definitions in 2020, but in my experience, most FIs keep it simple with the legacy framework or something similar. It isn’t a legal framework, after all. It’s just an expedient model that has been adopted widely by FIs given the federal leadership vacuum.

The bottom line here is that any FI looking at banking MRBs – or HRBs, for that matter – needs to come up with definitions and criteria for what an MRB or HRB actually is and does. That criteria can be shared with potential clients, or not, during the screening and ongoing KYC processes for industry accounts. In my experience, drawing lines around “indirect marijuana businesses” / “ancillary businesses” / Tier III MRBs is the most challenging area here.

Ownership tracking parameters

Inside and outside the MRB context, FinCEN requires FIs to track and report “beneficial owners” of the businesses they bank. Beneficial ownership reporting is a core industry requirement, with a new rule coming down the pike January 1, 2024, in fact. A “beneficial owner” for FinCEN purposes is anyone who: (a) has significant responsibility to control, manage or direct a legal entity customer; or (b) directly or indirectly owns or controls 25% or more of a company’s equity. (Again, my shorthand.)

In the MRB context, FIs often hold clients to a heightened disclosure standard. This isn’t merely due to the nature of the industry. Most state marijuana programs have ownership disclosure standards which require disclosure of anyone: (a) with control over the cannabis business, or (b) who owns equity in a cannabis business. The thresholds tend to be lower than the “beneficial owner” numbers– sometimes 20%, 10%, or even lower. Disclosure doesn’t always mean vetting, but the names must be surrendered.

An FI should want to know at least as much about the ownership of its member or customer as state cannabis regulators–  especially in the absence of federal industry regulation on that topic. Typically, the FI will shortcut this inquiry by requiring the MRB to produce its application and license records with the state. And the FI will not open an account until the state has actually issued a marijuana regulatory license, in most cases. Which brings me to my next point.

Working with state regulators

FIs that wish to bank MRBs need to request and receive records from state regulators on a regular basis. This ties into KYC considerations, which include not relying on the customer (or member) representations to the FI. In the cannabis context, FIs have an obligation via FinCEN to double-check state regulators’ work, essentially.

State regulators do tend to publish basic information on their licensees: the company name, type of license it holds, license number, and sometimes published decisions or disciplinary proceedings. However, I don’t know of any state that publishes information on the ownership structure of its cannabis licensees. This means that information which isn’t statutorily subject to redaction (e.g. social security numbers, site security plans) will be available only via a public records request.

Public records requests can be time-intensive and expensive. From experience, cannabis regulators may struggle to fulfill them regardless of legal requirements. Thus, FIs that wish to bank MRBs generally enter into information-sharing agreements with the relevant state regulator(s). At this point, many state agencies are accustomed to such arrangements.

Forms

FIs will have various intake forms for all potential members and customers. These forms must be tailored for MRB and HRB applicants, and supplemented to boot. Here’s a typical universe of forms an FI will send to any cannabis industry applicant:

  • Enhanced Monitoring Account (EMA) Cannabis Industry Certification
  • EMA Supplemental Agreement
  • CRB or HRB and Ancillary Business (AB) Supplement
  • CRB or HRB or AB Attestation
  • Consent to Release Form (for state regulators, see supra)

The forms, in turn, will require various submissions by the applicant, from regulatory license packets on down. Here at the law firm, I expect we will revisit many of these forms for FI clients in the near future, owing to changes in the hemp space under the 2023 Farm Bill. And perhaps again with respect to marijuana if moved to Schedule III.

Transaction monitoring, detection and reporting

The federal government has put FIs in a truly awkward position on MRBs. Bank Secrecy Act / Anti-Money Laundering (“BSA/AML”) compliance is a significant undertaking for FIs even outside the cannabis space. However, the FinCEN Guidance bumps things up a level by essentially deputizing FIs as federal law enforcement auditors. FinCEN requires FIs to monitor their MRB customers and members perpetually, including what they sell and to whom, and to watch for indicia of adverse information.

These FI obligations commence immediately and ensue perpetually. Specifically, the FI is required to file an initial SAR within 30 days of onboarding. The FI must also file continuing SARs every 90 days after that, in addition to “marijuana limited”, “marijuana priority” and “marijuana termination” SAR filings, as needed, based on any number of events – or suspected events – set forth in the 2014 FinCEN Guidance. To say nothing of all the currency transaction reports (“CTRs”).

These filing obligations, and all of the software and training that goes with them, are frequently cited by FIs as a primary justification for the increased fees paid by MRBs. Law enforcement may hardly be acting on them, but FIs need to comply.

Services to offer

Most FIs that work with MRBs offer limited services, or basic depository accounts. That said, we’ve worked with a couple of CUs that offer a full suite of banking and lending services. There are limits, of course, to what even the most enterprising FIs can do. They cannot offer bank card transaction processing for cannabis purchases (at least, not anymore). If the FI is smaller, like many state-chartered CUs, it will be limited in its deposit carrying capacity; this makes for an awkward constraint in a cash-laden industry.

Many FIs that get into cannabis banking are pulled into the space by one or two high-net-worth customers. Then, they will slowly branch out to a wider client base and often a wider suite of offerings. Others are more intentional, and set out to target the industry.

Regulatory dynamism

I mentioned the Farm Bill is up for renewal this year, directly affecting banking for HRBs, and that “marijuana” may also move to Schedule III sometime in 2024. In addition, the specter of legislative reform is forever hanging about the industry (via the SAFE Banking Act, though I’ve called it oversold). Locally, new state cannabis programs continue to come online. This sometimes results in modest state-level legislation to insulate FIs from local prosecution for banking cannabis, even if such changes do not create a federal safe harbor or touch on BSA/AML strictures.

Overall, any FI that moves into this space should be prepared to roll with some changes over the next couple of years. Those changes are happening, however, because the cannabis industry is growing. It’s not a bad time to get in right now. It’s probably better than ever, in fact.



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Is Your Kid Smoking or Vaping Weed?

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Marijuana for recreational and medicinal purposes is becoming more widely available and simpler to purchase every day. Furthermore, opinions about the drug’s possible risks have changed as a result of recent legislative modifications, especially among young teenagers.

 

While proper use of marijuana can offer health benefits for specific conditions, inappropriate use can lead to a variety of problems. It can severely impact health, situational judgment, memory, coordination, and more.

 

Given that marijuana has rapidly become a much more commonly used drug among young people, it is crucial to recognize the main signs of marijuana use in teens to ensure their safety and well-being.

 

Statistics on Child Marijuana Use

 

Though the stats may surprise you, marijuana is the most often used narcotic among teenagers. Among children between the ages of 12 and 17, the National Center for Drug Abuse reports that:

 

– Nearly 44% have tried marijuana in their lifetime, up from 37% in 2019.

– 35% used marijuana in the past year.

– Almost 7% of 12th graders use marijuana daily.

 

Regretfully, eighth, ninth, and tenth kids are exposed to an alarmingly high level of marijuana. Early usage is problematic since those who start using earlier have a greater likelihood of heavier use later in life.

 

How THC Impacts the Brain

 

The active element in cannabis is tetrahydrocannabinol (THC), which produces the “high” associated with marijuana. THC can be ingested by smoking cannabis flowers, vaping concentrated forms, or eating THC-infused foods. THC impacts the brain by interfering with processes that are typically controlled by naturally existing endocannabinoids.

 

The brain grows from birth to the mid-twenties, and consuming marijuana at a young age can interrupt this important development. Early marijuana usage appears to influence brain development, according to recent research.

 

The effects of cannabis on the brain are extensive:

 

– Executive Functioning: Skills necessary for daily life, such as focus, memory, problem-solving, planning, reasoning, and emotional control, are compromised.

– Working Memory: The ability to remember and later recall or use information is reduced.

– Lingering Effects: The impact of cannabis use can last well beyond the period of intoxication. Even if someone smokes on a weekend, the effects can persist into the following week. Regular use leads to a persistent decline in executive functioning, working memory, and other cognitive areas.

 

Cannabis use interferes with the brain’s circuits, and it remains uncertain whether the brain can fully recover if marijuana use is discontinued.

 

Signs Your Child is Using Cannabis

 

Recognizing if your child is using marijuana can involve noticing various signs, including:

 

– Hair or clothes with a pungent marijuana smell

– Red or bloodshot eyes

– Delayed reaction times

– Mood swings

– Laziness and tiredness

– Presence of marijuana-related paraphernalia

– Paranoia or anxiousness

– Increased hunger or “munchies”

 

Visible Signs of Marijuana Use

 

Shortly after usage, marijuana’s effects can be perceived both visually and aromatically. It is very suggestive of marijuana usage if your adolescent returns home with red or bloodshot eyes. Physical and mental delays in response times and problems with muscular coordination are further symptoms.

 

Cannabis has a unique fragrance that is another warning clue; it is frequently characterized as having a pungent, musky smell like that of a skunk. On your teen’s clothes, this odor might cling rather readily.

 

Changes in Emotional State

 

The body and mind might react differently to different strains or varieties of marijuana. Teenage marijuana usage is frequently indicated by mood swings, lethargy, and general exhaustion in their day-to-day demeanor. Depending on how their body responds, they might also seem nervous and exhibit an elevated heart rate.

 

Your youngster may struggle to focus at job, school, or home as a result of these changes, which frequently results in subpar performance and grades. This decrease might be a clear indication that marijuana use has turned into an addiction.

 

Educating Your Child about Marijuana

 

Regardless of whether you suspect your child is using cannabis, it’s important to discuss it. Parents and caregivers should talk about all types of dangerous substances, including nicotine, alcohol, and cannabis, with children as early as elementary school.

 

It’s important to be proactive and talk to your youngster about the risks associated with marijuana. These talks may serve to deter marijuana usage or at the very least postpone the initial experience until the mid-20s, when the brain is more completely matured.

 

As teenagers become older, their need for independence grows, which makes it harder for parents to control their actions. Still, parents need to persevere. It is significantly more dangerous to consume cannabis than it is uncomfortable to have a difficult talk.

 

Addressing Marijuana Use and Seeking Help

 

For teenagers’ wellbeing, it is essential to identify and treat marijuana usage. It’s crucial to handle the matter with compassion and support if you think your child may be consuming marijuana. Discussing its usage, the rationale behind it, and any possible hazards should come first in an honest and nonjudgmental discussion. Give your child access to a secure environment where they may talk about their thoughts and experiences. You can gain insight into their viewpoint and advice on how to make better decisions by having this discussion.

 

If using marijuana has become troublesome, you might think about getting professional assistance. Resources like therapists, counselors, and specialty treatment programs can provide your kid with the help they need. These specialists are qualified to deal with underlying problems including stress, peer pressure, or mental health disorders that may be causing drug use. Early intervention can stop the usage from getting worse and support your kid in creating healthy coping mechanisms. Getting a medical expert involved can also offer a methodical way to handle the matter and guarantee that your adolescent gets the treatment they need.

 

It is critical to be involved and supportive throughout the process. Encourage your kid to participate in activities that support their well-being and offer positive reinforcement for good habits. Stay educated about the services available in your area, and consider joining support groups for parents struggling with similar challenges. You can assist your child in navigating this difficult period and promote a healthy, drug-free future by keeping open communication and obtaining expert support as required.

 

Bottom Line

 

Parents need to be vigilant about the signs of marijuana use in their children, given its prevalence among teenagers and its potential impact on their health and development. Early detection, open communication, and seeking professional help if needed are key strategies for addressing marijuana use in adolescents. By providing support, education, and access to resources, parents can help guide their children towards healthier choices and a drug-free future.

 

HOW TO HAVE “THE TALK” WITH YOUR KIDS, READ ON..

TALKING TO YOUR KID ABOUT MARIJUANA TALK

TALKING TO YOUR KIDS ABOUT WEED, AGE APPRORIATE TIPS!



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How Did Hidden Leaf Cannabis Become the Leader of the Ontario Marijuana Market?

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Hidden Leaf cannabis store

Cannabis.net sat down with Ontario’s hottest cannabis store to find out some of their “secret sauce” that made them the best dispensary in Ontario, Canada.

Q: How did you come up with the name Hidden Leaf for Ontario’s premier cannabis dispensaries?

A: Growing up, I was always a big fan of the anime show Naruto, where the main character grew up in a village called “Hidden Leaf Village.” Naruto’s backstory really resonated with me, inspiring me to name the company Hidden Leaf. As Ontario’s premier Burlington and Scarborough Dispensary, we strive to embody the spirit of community and resilience found in Naruto’s tale.

Q: What makes Hidden Leaf the best dispensary in Scarborough or Burlington?

A: At Hidden Leaf, customer service sets us apart. Unlike many other dispensaries that curate their menu based on profitability, our customers drive our selection. We actively encourage our patrons from both our cannabis store Scarborough and cannabis store Burlington to send in their product recommendations, which we try our best to stock. Plus, we offer the most competitive pricing, making cannabis affordable for everyone. Our commitment to these principles makes us stand out in the Scarborough dispensary and Burlington dispensary markets.

Q: How did you first get into the Canadian cannabis market? What made you take the leap of faith?

A: From a young age, I’ve always wanted to own a business and had a passion for the cannabis industry, learning to grow plants and understanding the different types of concentrates. Taking the risk to enter the business felt right as it was a great way to expand my knowledge and participate actively in the burgeoning cannabis market in cities like Scarborough and Burlington.

Q: Canada was the first G7 country to legalize weed, what advice would you look back and give your past self? What do you wish you knew then that you know now?

A: Looking back, I wish I had learned more about the cannabis business earlier and entered the industry as soon as it was legalized. Now, understanding the different avenues to enter the cannabis industry, I would definitely consider owning my own grow facility among other ventures. This knowledge would have been invaluable from the start, especially in dynamic markets like those of our Cannabis Store Burlington and other locations.

Q: What are Hidden Leaf’s best strains, or what do customers come back for over and over?

A: Hidden Leaf carries a wide variety of brands and strains to cater to every customer’s needs. From budget-friendly options for those looking to save a few bucks to premium quality strains for the real cannabis connoisseurs, our selection is vast. Customers frequently return for our consistent quality and the breadth of our offerings, including popular cannabis flowers at both our Scarborough and Burlington locations.

Q: What has been the biggest challenges in setting up a cannabis business in Canada?

A: The biggest challenge has been finding the right location. Despite legalization, there’s still a stigma around cannabis with many landlords, making it hard to lease properties for cannabis businesses. Additionally, the market is quite saturated with many retailers opening up, so it’s crucial to choose strategic locations for our dispensaries to avoid excessive competition, particularly in areas served by our Scarborough dispensary and cannabis store Burlington.

Q: What do you think about the future of cannabis beverages?

A: The future of cannabis beverages and edibles is very promising. Many people who are new to cannabis are not fans of smoking, so THC beverages and edibles offer a fantastic alternative. These products are expected to attract a new wave of consumers looking to explore cannabis in a more familiar and accessible form.

Q: What is the best way for people to find out more about us or visit us? Website? Social media?

A: The best way for customers to find out more about Hidden Leaf is through our website. It’s the go-to place to find the closest location, whether that’s our Scarborough dispensary or cannabis store Burlington, and to explore our menu and pricing. Our website is a comprehensive resource for anyone interested in our products and services.

Q: If someone is trying to decide which dispensary to go to in Ontario, why should they go to Hidden Leaf?

A: At Hidden Leaf, it’s all about customer service and pricing. We don’t believe in upselling; instead, our goal is to find the best product within your budget. Our customers help shape our menus with their recommendations, which we order in every week. With very competitive pricing, we believe cannabis should be affordable for everyone, making our Burlington and Scarborough Dispensary the go-to choice for quality cannabis products and genuine customer care.



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Are You Bored So You Smoke Weed or Do You Smoke Marijuana and Get Bored?

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Cannabis and Boredom

 

Boredom is a universal human experience characterized by a lack of interest, motivation, or engagement in one’s current activities. It is a state of mind that can leave individuals feeling restless, apathetic, and dissatisfied.

But why do people get bored?

Research suggests that boredom serves a vital function within the life of the individual, acting as a signal that one’s current situation is unfulfilling and that change is needed.

Boredom can be a catalyst for personal growth and development. When faced with monotony, the mind yearns for stimulation and seeks out new experiences.

This innate drive pushes individuals to explore new hobbies, learn new skills, and challenge themselves in ways that promote self-improvement. In this sense, boredom can be seen as a motivational force that encourages people to break free from stagnation and pursue meaningful goals.

However, in today’s fast-paced, instant-gratification society, many individuals struggle with the discomfort of boredom and seek quick fixes to alleviate its symptoms.

A recent Reddit post posed the question, “Do you use cannabis to escape boredom, or does cannabis make you content with being bored?” This query highlights a common trend among cannabis users who turn to the substance as a means of coping with idle moments.

In this article, we will explore the concept of “escaping boredom” through cannabis use and examine the potential pitfalls of relying on the substance as a sole means of entertainment.

We will also delve into the function of boredom within the life of the individual and discuss how cannabis, when used mindfully, can be a tool for enhancing focus and productivity rather than a mere distraction from tedium.

 

Boredom, often perceived as a negative emotional state, has been the subject of numerous studies that highlight its potential benefits for personal growth. A study conducted by Mann and Cadman (2014) found that engaging in boring tasks can stimulate creativity and problem-solving abilities. The researchers suggest that when the mind is not occupied with external stimuli, it tends to wander and generate novel ideas.

Similarly, Gasper and Middlewood (2014) discovered that boredom can lead to increased motivation and goal-directed behavior, as individuals seek to alleviate the unpleasant state by pursuing meaningful activities.

However, boredom can become toxic when it is chronic or excessive. Prolonged periods of boredom have been linked to negative outcomes such as depression, anxiety, and substance abuse (Eastwood et al., 2012).

When individuals lack the skills or resources to cope with boredom in a constructive manner, they may turn to maladaptive behaviors as a means of escape. This can create a vicious cycle where the temporary relief provided by these behaviors reinforces their continued use, leading to further disengagement from life’s challenges and opportunities.

So, what’s the secret to never being bored? The answer lies in cultivating a curious and engaged mindset. Individuals who approach life with a sense of wonder and a desire to learn are less likely to experience boredom, as they find joy and meaning in even the most mundane tasks.

By setting goals, pursuing hobbies, and seeking out new experiences, one can maintain a sense of purpose and fulfillment that keeps boredom at bay.

As a regular cannabis smoker myself, I can attest to the fact that it is possible to lead a stimulating and engaging life while still enjoying the benefits of the plant. In the next segment, I will share my personal secret for using cannabis as a tool for enhancing focus and creativity rather than as a means of escaping boredom.

By mindfully integrating cannabis into a balanced and purposeful lifestyle, individuals can harness its potential for personal growth and avoid falling into the trap of chronic boredom.

As a seasoned cannabis enthusiast, I’ve come to understand that the key to overcoming boredom lies not in escaping it, but in embracing it.

The first step is to recognize that the anxiety associated with boredom is not inherently negative. Instead, it is an opportunity for self-reflection and growth. By becoming comfortable with boredom, you open yourself up to new possibilities and experiences.

One of the most common mistakes that stoners make is relying solely on cannabis for entertainment. While cannabis can certainly enhance many activities, it is essential to find something to pursue that isn’t related to smoking.

This requires honest introspection and a willingness to explore your interests and passions. Take the time to reflect on what truly excites and motivates you, and don’t be afraid to step outside your comfort zone.

When pursuing new activities, it’s crucial to focus on the process rather than the outcome. In our fast-paced, instant-gratification society, we often fixate on the end result and lose sight of the joy found in the journey itself.

By falling in love with the process of doing, you can find fulfillment and satisfaction in the present moment, regardless of the ultimate outcome. The goal should serve as a guiding light, but the real magic happens in the day-to-day efforts you put forth.

Once you discover an activity that genuinely captivates you, cannabis can become a tool for enhancing the experience rather than a means of escaping boredom. When you’re engaged in something you love, smoking cannabis can heighten your focus, creativity, and enjoyment without hindering your productivity.

If you find yourself frequently bored and turning to cannabis as a crutch, take a step back and ask yourself, “What would I really like to be doing right now?” Allow your mind to explore various possibilities and jot down any ideas that come to mind.

From this list, identify an activity that isn’t passive or cannabis-related, and make a conscious effort to dedicate your “bored” moments to pursuing this interest.

As you begin to focus on this newfound passion, you’ll notice that cannabis no longer serves as an escape from boredom but rather as a complement to your engaging pursuits. You’ll find yourself sparking a joint and diving into your work with renewed enthusiasm and focus.

Remember, the key to beating boredom as a stoner lies in embracing it as an opportunity for self-discovery and personal growth. By finding something you truly love and immersing yourself in the process, you can transform those once-dreaded moments of boredom into a catalyst for a more fulfilling and satisfying life.

As we conclude this exploration of cannabis and boredom, it’s essential to acknowledge that the temptation to use cannabis as an escape from boredom is understandable, particularly for young people who are still discovering their identity and purpose in life.

In a world that moves at breakneck speed, it’s easy to fall into the trap of seeking instant gratification and quick fixes for even the most mundane tasks.

However, it’s crucial to recognize that the fast-paced nature of our society has transformed our minds into dopamine-addicted entities, constantly craving the next hit of excitement or stimulation. This mindset can lead to a vicious cycle of unfulfillment and dissatisfaction, as we become increasingly reliant on external sources of pleasure to combat boredom.

The key to breaking free from this cycle lies in embracing difficulty and challenging ourselves to grow. By engaging in activities that push us beyond our comfort zones and require us to learn new skills, we can cultivate a sense of achievement and fulfillment that goes beyond fleeting moments of pleasure.

This process of overcoming obstacles and mastering new abilities reinforces our motivation to continue pursuing personal growth and development.

Ultimately, boredom is a weapon that can be wielded for good or ill, depending on how we choose to frame it. Rather than allowing boredom to dominate our lives or turning to cannabis as a means of escape, we must learn to harness its power and mold it into a tool for positive change. By embracing boredom as an opportunity for self-reflection, exploration, and growth, we can transform those moments of restlessness into catalysts for personal transformation.

So, to all the cannabis enthusiasts out there, I encourage you to view boredom not as an enemy to be vanquished but as an ally in your quest for a more fulfilling and purposeful life. Don’t let cannabis become a crutch that holds you back from reaching your full potential. Instead, use it as a tool to enhance your experiences and complement your passions.

Armed with this newfound perspective, go forth into the world with confidence and determination. Embrace the challenges that come your way, and use them as stepping stones to greatness.

 Let boredom be your guide, leading you towards a life filled with meaning, purpose, and endless possibilities. And when you do choose to indulge in cannabis, do so not as an escape from reality but as a celebration of the incredible journey you’re on.

In the end, the sticky bottom line is this: Life is too short to be bored. So light up that joint, kick some ass, and take some names along the way. The world is yours for the taking, and with the right mindset, there’s nothing you can’t achieve.

 

STONED AND BORED, READ ON…

WOULD YOU RATHER STONED GAME

WOULD YOU RATHER… THE GAME TO PLAY WHEN YOU ARE STONED AND BORED!



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