Not my words - but I did ðï¸ call it nearly 5 years ago - and [ðï¸ ð a few times since]([john.philpin.com/search-spâ¦](https://john.philpin.com/search-space/?q=clubhouse(.) john.philpin.com/2021/01/0…
Not my words - but I did ðï¸ call it nearly 5 years ago - and [ðï¸ ð a few times since]([john.philpin.com/search-spâ¦](https://john.philpin.com/search-space/?q=clubhouse(.) john.philpin.com/2021/01/0…