Luxury shoppers are highly coveted customers for brands and retailers. The top 10% of US household earners (those taking home $120,000 or more annually) account for approximately half of all consumer expenditures.

This demographic’s growing preference for online shopping is changing the face of luxury retail, and it has significant implications for how brands target luxury consumers.

In a new report from BI Intelligence, we profile the luxury shopper and take a close look at the spending habits and preferences of high-income earners — including how and where they shop.

Here are some of the key takeaways:

• Discretionary spending among the wealthy is growing faster than for the average US consumer. Discretionary spending among those earning $120,000 a year or more is expected to increase 6.6% in 2016, reaching $406 billion, according to YouGov. Among the top 1%, it's expected to rise 10%. By contrast, discretionary spending for the average US consumer dropped 1% between 2014 and 2015.
• Wealthy consumers are expected to spend the most next year on fashion, travel, and dining. Among these categories, spending on fashion (specifically, apparel, accessories, and handbags) will grow the most, increasing 6.9% to $37.4 billion (roughly 9% of total discretionary spending). 
• Luxury brands are over-allocating ad spend to print media. The seven largest US luxury brands collectively spent $133 million last year on holiday ad spending, 57% of which was allocated to magazine ads, according to the Shullman Research Center. But among luxury shoppers, recall rates are higher for digital ads.
• There are signs that luxury shopping is less brand- and status-oriented than it once was. Luxury shoppers, like the average consumer, enjoy the convenience and low prices of online retailers like Amazon vs. shopping via official brand sites. Luxury shopping may become even more price-sensitive as millennials age. 

In full, the report:

• Sizes the market for personal luxury goods, by country.
• Measures the effectiveness of luxury marketing channels.
• Breaks down ad spend among luxury brands.
• Identifies where luxury consumers shop online and in-store.

Interested in getting the full report? Here are two ways to access it:

1. Purchase & download the full report from our research store. >> Purchase & Download Now
2. Subscribe to an All-Access pass to BI Intelligence and gain immediate access to this report and over 100 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. >>Learn More Now

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President Barack Obama gave his final State of the Union address on Tuesday, but all eyes were on the FLOTUS.

Michelle Obama's sleeveless marigold dress was designed by Narciso Rodriguez and originally retailed at over $2,000 at Nieman Marcus according to ET Online. The price dropped to $628, and completely sold out by Wednesday morning.

Ms. Obama famously donned a different Narciso Rodriguez in 2008 – when her husband gave his first acceptance speech.

Story and editing by Alana Yzola

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This past Saturday, a bunch of restaurant employees in New Jersey thought they won the Powerball. 

It looked like the best night of their lives... until they realized that they didn't actually win. Turns out they had the right numbers, but on the wrong day.

Story by Ian Phillips and editing by Kristen Griffin

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"Star Wars: The Force Awakens" director J.J. Abrams has become the king of Hollywood. At just 49 years old, the acclaimed director, writer, and producer has two iconic space franchises under his belt, a collaboration with his idol Steven Spielberg, and a handful of TV series with cult followings. This is the screenplay of J.J. Abrams incredible career.

Produced by Jenner Deal. Original Reporting by Anjelica Oswald.

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"I love when men come in here with big, beautiful brows that they don't know what to do with," was one of the first things brow grooming expert Sania Vucetaj told me as I walked into her third-floor salon, Sania's Brow Bar, in the middle of Manhattan's Flatiron District.

I'll admit it: I'm one of those guys. Luckily, I was in safe hands. Sania has been grooming both men's and women's brows for nearly 25 years and has perfected her technique using only tweezers and scissors (and, for women, a brow pencil).

Sania says her technique is more precise than all others, and since she encourages full, natural brows, it's perfect for her. It also makes her the perfect brow groomer for men, as the most important thing for men is to retain masculine and natural looking brows even after grooming.

"Men want to look like they didn't have anything done to them," Sania told me. "They just want to look clean."

As many as five of her 30-40 daily clients are men, a number that has grown in recent months. Many of the male clients she's acquired recently are Wall Streeters, thanks in part to some exposure she got from a New York Times article, she says.

To help put her new male clients at ease, Sania has even expanded her salon and made a separate waiting room area and chair just for them. Groomings will set you back $75 a pop, and she'll recommend you come back every six to eight weeks. 

After Sania showed me her technique, it was easy to see why her clients leave ecstatic. 

SEE ALSO: 2 grooming resolutions every guy needs to make this year

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Sania's Brow Bar is a serene oasis on 20th Street, close to 6th Avenue in Manhattan's Flatiron District.

Sania is a veteran of the eyebrow grooming space of nearly 25 years, and has developed her own grooming technique using only tweezers. Waxing and even threading can look too perfect, which is "definitely a throw-off that you had something done to them," she said. The key, she says, is to make it look natural.

She sees about 30-40 clients a day, some of them celebrities like Sarah Jessica Parker, Matt LeBlanc, and Tony Hale. Pictured here is the women's waiting area.

The ancient Stoic philosophers are often dismissed as joyless and boring intellectuals. But the Stoics were very interested in the pursuit of things like happiness and success; they merely pursued them in different ways than most.

With a few simple changes in perspective and behavior, the Stoics knew that it was possible to achieve a lasting form of personal happiness. Fortunately for us, their techniques remain highly relevant today.

Produced by Ryan Larkin

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Are you one of the three — and maybe more — winners of Wednesday's $1.5 billion Powerball lottery?

Are you eager to become a real-estate mogul?

Look no further. Real-estate listing site Trulia has found the US cities where you can make the biggest splash with your newfound cash, looking at the percentage of total housing inventory you could now buy out. They considered factors like the size of the market, median listing price, and home availability.

But if you want to become the next big name in New York City properties, you might want to think again. Even as a billionaire, you'll only be able to snag 9% of available properties in the Big Apple, or 16% on Long Island, as homes are pricey and inventory is flush. Miami and Los Angeles also won't give you much bang for your buck. Instead, you'll want to start your empire somewhere smaller with more reasonable prices.

Assuming the winner takes the $600 million lump sum — after taxes — here are your best bets:

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10. You could start your empire in Syracuse, New York. Home to a well-known university and only a four-hour drive from Manhattan, your $600 million will take you far. You can snag 90% of the homes currently listed on the market with Trulia at a median price of $119,900 each.

9. If cold winters aren't your thing, head down south to Baton Rouge, Louisiana, where you could also buy out 90% of the properties at a median price of $160,000.

8. Bakersfield, California, is less than two hours from the urban hub of Los Angeles, and homes have a median listing price of $159,000. Typical homes are fairly new and large, like this three-bedroom in a gated community.

The difference between a good and a bad teacher can make or break a class — especially for high-school students in the midst of preparing for college.

As part of their annual public-school rankings, Niche, a company that researches and compiles information on schools, found the places across the country that boast the highest-caliber public-school teachers.

To compile their rankings, Niche examined over 100,000 schools based on 27 million reviews from more than 300,000 students and parents. Many are charter or magnet schools, meaning they pull in qualified students from around their districts. You can read more about the methodology here.

Each of these schools received an "A+" ranking for their teachers — their numerical Niche scores are also listed below. Many of the schools boast a deep roster of these teachers, too, with student-to-teacher ratios below the national average of 16:1.

Read on to see the top-25 public high schools with the best teachers.

SEE ALSO: The best public high school in every state

DON'T MISS: The 25 best public high schools in New York

25. Academy for Allied Health Science

Scotch Plains, New Jersey

Teacher rating: 93.81

Student-to-teacher ratio: 16:1

Academics: A+

One junior said:

The teachers of this school I would say are some of the best. They never fail to push us to understand the topics at hand and make sure to engage each and every student as much as they can. They make sure we are at the top of our game and as much as we rely on them they [rely on us] as well, asking us questions on how to improve the course and make it better to understand. Overall, they push us to know more than just what is said in a textbook and never fail to give real life examples for better understanding.

24. Granada Hills Charter High School

Granada Hills, California

Teacher rating: 93.82

Student-to-teacher ratio: 27:1

Academics: A+

"Teachers at Granada genuinely care about each of their students and offer assistance concerning any trouble," a student commented. "When confused or need help, they will lend a helping hand and offer tutoring. They are some of the smartest people I know."

Many students also feel prepared for college after their time at Granada Hills.

"I think the teachers were hard working and provided a solid groundwork for students to learn from for the realities of the future," one graduate said.

23. Glenbrook North High School

Northbrook, Illinois

Teacher rating: 93.99

Student-to-teacher ratio: 13:1

Academics: A+ 

"The teachers in our school are passionate about what they teach and although not all the topics learned will pertain to our lives outside of high school, they do their best to apply what we learn to real world situations," one senior said.

You might have a lot of preconceived notions about what it's like to meet a psychopath, but now imagine being married to one.

James Fallon, a neuroscientist at the University of California Irvine School of Medicine, accidentally found out he was a psychopath while studying the brain scans of psychopathic criminals and realizing his own brain looked eerily similar.

Fallon later discovered other disturbing clues about himself: Not only did he possess certain genes that have been linked to psychopathy, but he had half a dozen alleged murderers (including the infamous Lizzie Borden) in his family.

In interviews, Fallon comes across as a perfectly normal, affable guy. But what would it be like to live with him, we wondered?

What it's like to live with a psychopath

The BBC interviewed Fallon and his family in a show called "The Brain of a Murderer: Are You Good or Evil?" in 2013. The show paints a telling portrait of his personality.

Fallon's wife, who declined to be interviewed for this story, admits that she wasn't hugely shocked when her husband found out he had some neurological and genetic traits linked with being a psychopath.

"It was surprising, but it wasn't surprising, because he really is, in a way, two different people," James Fallon's wife, Diane Fallon, says in the video. On the one hand, she said, there's the guy who's funny and gregarious. But on the other hand, he's always had "a stand-offish side."

Fallon's son James echoed his mother's statements as well.

"I knew there was always something off" about him, his son James says in the video. Once he'd learned his father had some traits linked with psychopathy, his son added: "It makes more sense now." In addition, he says his father has a hothead — a trait associated with a subtype of psychopaths Fallon calls distempered psychopaths.

Despite these accounts, there's a good reason that we shouldn't jump to negative conclusions about people like Fallon. For one thing, having psychopathic traits doesn't necessarily make someone a bad person, says Fallon, since personality isn't driven by genes or brain chemistry alone.

Psychopaths aren't always criminals

In interviews, Fallon reveals that he does bear some of the behavioral traits of a psychopath, such as a lack of emotional sensitivity toward others. In his interview with BBC, Fallon admits that he'd probably blow off the funeral of a family member so he could go to a party or do something more fun instead.

But Fallon certainly isn't a criminal — a fact he credits to the positive environment in which he grew up. Research has found that for some people who possess a gene linked to psychopathy, being abused or mistreated as a child can influence whether they develop antisocial behavior.

The Diagnostic and Statistical Manual of Mental Disorders (DSM) doesn't recognize the term psychopath, but is has an entry for something called "antisocial personality disorder." People with this disorder, it says, exhibit impairments in personality functioning and pathological personality traits, including egocentrism, manipulative behavior, and a lack of empathy.

In fact, psychopathy is surprisingly common in the population, with estimates of its prevalence ranging from 0.2% to 3% (a 2009 study in the UK found a prevalence of 0.6%). Even in literature, psychopaths abound — it appears that Sherlock Holmes may have been one.

So chances are, you've probably met a psychopath. And who knows — it's not entirely outside the realm of possibility that you could even live with one!

You can watch the full BBC interview with Fallon and his family:

READ NEXT: A scientist who studies psychopaths found out he was one by accident — and it completely changed his life

SEE ALSO: We asked a neuroscientist if Sherlock Holmes is actually a sociopath and his answer surprised us

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NOW WATCH: How to know if you're a psychopath

This year's Golden Globes might as well have been a men's fashion runway.

Roughly half of Hollywood's trendiest men have jumped on the latest look to take men's formal wear by storm: the midnight navy blue tuxedo.

Following the overarching trend of men inching out into more colorful — but still muted — attire, many guys are gravitating towards the traditional tuxedo's blue cousin.

And it's easy to see why: the navy tuxedo offers a more interesting alternative to the staid black tuxedo everyone else wears to black tie events. It offers guys a chance to stand out a little bit in the sea of black, while still remaining firmly in the school of semi-formal dress.

The navy tuxedo isn't an entirely new phenomenon. It's rooted firmly in the glory days of formal dress and was extremely popular in the 1930s, when more wool mills were churning midnight navy tuxedo fabric than black. It never fully recovered from the tuxedo's decline in the 1940s — until now.

Now, the navy tux has virtually blown up in popularity — and not just on the red carpet. According to online rental website The Black Tux, in 2015, 17% more grooms rented a navy tuxedo for their weddings than in 2014, and around 40% of tuxes rented for proms and formal occassions in 2015 were navy.

Overall, the proportion of navy tuxedos ordered from The Black Tux increased 26% from 2014 to 2015.

This trend doesn't seem like it's going to slow down any time soon. The Black Tux also told Business Insider that the webpage for their navy model is the most-visited product page on their entire site — up 36% over the last three months compared to the same period last year. 

Men are also buying more navy tuxes, with well-regarded Amsterdam-based company Suitsupply telling Business Insider that the company's navy tuxedo is "among the best-selling this season." 

As far as wearing a navy tuxedo yourself, there's not many ways you can go wrong.

"With a navy tuxedo, you stand out without being overdressed and still look the part,” Nish de Gruiter, vice president for Suitsupply, told Business Insider. 

Navy tuxedos can go anywhere black tuxedos can. Additionally, you won't have to switch out or buy new accessories to go with your navy tux, as anything that can be worn with a black tuxedo can also be worn with a navy one.

SEE ALSO: 2 style lessons every guy can learn from the best-dressed man at the Golden Globes

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Thailand is known for lots of things: gorgeous beaches, spicy cuisine, elephants. But in the last few decades, it's also become known for one of the biggest bacchanalia on the planet: the Full Moon Party.

It takes place once a month on the island of Ko Pha Ngan, an hour's flight from Bangkok. As many as 30,000 people attend the rave, which goes past dawn. Most are tourists from Europe and the US who have come specifically for the event.

The monthly influx has transformed once-sleepy Haad Rin beach into party central. The town's streets are lined with drug stores, clinics, T-shirt shops, hostels, and massage parlors. It has also become more dangerous, with reports of date rape, drowning, and even deadly shootings.

I was in Thailand for the 2016 New Year's Eve bash — technically not during the full moon, but still a major rager. It was a once-in-a-lifetime experience ... mostly because I'd never do it again in my life. I'm 30, and I felt like the oldest, most sober, and least neon-covered person on the beach. It seemed like almost everyone was either in college or a recent grad.

But it was awesome to see, just once.

SEE ALSO: 50 places you should visit in 2016

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Just getting to Ko Pha Ngan for the party is an adventure. Like many partygoers, we stayed on nearby Ko Samui and took a speedboat, which made the 25-minute ride on the choppy sea feel like a roller coaster.

The boat docked on one side of a peninsula, and from there it was a five-minute walk to Haad Rin beach, home of the Full Moon Party.

Well, it would have been a five-minute walk on any other night. But after paying the 100 baht ($2.75) entrance fee, it was a long slog through crowds of partiers prepping for the night.

Ever since Joaquín "El Chapo" Guzmán was recaptured by Mexican authorities, new details have been released about what led up to the drug trafficker's arrest.

First, when Rolling Stone released an article titled "El Chapo Speaks" the day after the most notorious drug lord was back in the custody of Mexican authorities, it was revealed that actor Sean Penn had met with El Chapo to interview him for the article. Now, new texts intercepted by the authorities show that he appeared to be more interested in meeting the woman who set up the interview with Sean Penn than the actor-turned-journalist.

Kate del Castillo is a Mexican-American actress that had connections with El Chapo and orchestrated the meeting between Chapo and Penn while the former was in hiding. The messages reveal a doting relationship between her and Chapo. 

According to the texts, the drug lord did not know who Sean Penn was, and even said he loved del Castillo.

Story and editing by Andrew Fowler

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Pete Wells, the New York Times' food critic, absolutely trashed Per Se, the super swanky and famous restaurant in New York City.

Helmed by famous chef Thomas Keller, it's considered one of the best restaurants in the country.

It's also super expensive — a nine-course tasting menu costs $325... and that's per person, and without booze. It's said that four people will easily drop around $3,000 for a meal. 

The steep prices were always justified by its three Michelin stars and four NYT stars, which only six restaurants can boast, but on January 12th Wells recanted the glowing review the Times had published in 2011, calling it "one of the worst food deals in the city," and demoting it to two stars.

Some adjectives he used to drive his point home were, "mushy," "limp," "rubbery," "flavorless," "oily," "chewy," and "gluey."

But on the upside, he likes Señor Frogs on Times Square.

Story by Sophie-Claire Hoeller and editing by Jeremy Dreyfuss

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Graham Hill, the founder of architecture and design consultancy Life Edited, has been actively challenging the idea of luxury and space for the past 5 years.

His 420-square-foot New York City studio apartment might sound like a tight squeeze — but with its innovative design, Hill has managed to create a transforming space that can actually function similar to a house two to three times its size. Dinner party with 10 guests? No problem. Two family members staying for the holiday weekend? Bring it on.

For Hill, his apartment is an extension of his minimalist lifestyle.

"Living with less" means "it's easier to choose to focus on important stuff with a little more ease," he told Business Insider. 

He shared some photos of his incredible apartment and its various space-saving hacks.

SEE ALSO: How a chef cooks gourmet meals on a hot plate in his 100-square-foot apartment

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This seemingly simple 420-square-foot studio actually has 1,000 square feet of functionality.

While Hill was working at TreeHugger.com, he became increasingly aware of the negative effects larger homes can have on the environment.

"Between 40-70% of greenhouse gas emissions are somehow related to housing: constructing them, powering them, transportation to and from them, filling them up with stuff and so on," Hill said.

Portland, Maine, has dozens of excellent breweries spread across the city. Unfortunately, the city lacks a comprehensive public transit system, and driving to breweries sort of defeats the purpose.

Luckily, the Maine Brew Bus was founded in 2012. Originally just one bus, the company now boasts three buses and provides tours to 25 different locations around greater Portland. As the local beer scene has exploded, the Brew Bus has grown with it. The tours have become so popular that they're now rated the #1 Portland activity on TripAdvisor.

Story and editing by Stephen Parkhurst

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The Insider Picks team writes about stuff we think you'll like. Business Insider has affiliate partnerships so we may get a share of the revenue from your purchase.

If you want to be a competitive job applicant, or increase your salary in the tech industry, check out the eight online classes below; they'll teach you everything you need to know about web development, from learning to code Python, Ruby, and JavaScript to understanding and navigating the framework of Rails.

Best of all: You can enroll in each class for just $15 through the end of the month, simply enter our exclusive promo code "INSIDER2016" when you're registering over at Udemy. 

The Complete Web Developer Course — Build 14 Websites

For those who'd like to start designing their own websites and mobile applications, this is the place to start. With more five-star ratings than any other course offered on Udemy, this course is a certainly well-liked. Even those brand new to web development will be able to get their own sites onto the web within just six weeks of classes.

Its more than 236 lectures will teach you how to build responsive websites with advanced techniques such as iQuery PHP, MySQL, and Twitter Bootstrap. You'll also learn how to add dynamic content like APIs to your WordPress blogs and eCommerce sites; and learn HTML, CSS, JavaScript, PHP, and more.

$199 value

Python Training: From Scratch to Penetration Tester

Python is a popular choice for beginners because it is regularly cited as being relatively easy to pick up and has a pretty active community of developers, so if you have questions, chances are you can ask around and find your answers. If you are looking to learn the basics of a back-end programming language, this is not a bad place to start.

Its more than 100 lectures will teach you the basics of data types, basic operation, conditional programming, loops, and object-oriented concepts. You'll also learn how to integrate databases, code graphical user interfaces, understand network socket programming basics, decipher and understand Python scripts, and use scripts to build penetration testing tools.

$199 value

Node Program: From 0 to Hero with Node.js, MongoDB, and Express

NodeJS is a rapidly growing web server technology that has its applications written in JavaScript and can operate on a wide variety of platforms. The instructor's philosophy of "don't imitate, understand" means that students will be encouraged to get into the nuts and bolts of the process, rather than copying and pasting lines of code with minor variables changed — a mistake too common in many coding courses.

In more than 47 lectures, you will explore JavaScript concepts, learn enough Nodejs, MongoDB and Expressjs to deploy apps to the cloud, and build Node.js  apps from scratch.

$197 value

Build a Website from Scratch with HTML and CSS

HTML and CSS are two languages that can help establish a great bit of foundational knowledge for those new to coding. This course offers you a way to "learn by doing" while working with the two languages for the first time. By the end of the course, students will be creating their own websites and giving themselves a great starting point for their continuing education in coding.

$149 value

Ruby on Rails: Training and Skills to Build Web Applications

Ruby on Rails is a web-application framework written in Ruby, an object-oriented programming language. Many top sites including Hulu, Twitter, Airbnb, and Groupon use Rails in building their web applications. This course is aimed at beginners and starts by teaching you the basics of coding in Ruby, and then takes those skills and applies them to understanding the framework of Rails.

In more than 43 lectures, you will build a complete web app, use Ruby 2 and Rails 4 to rapidly prototype your ideas, learn the basics of front-end web design with Bootstrap 3, work with APIs by using Stripe to implement payments, and implement features such as login, data validations, and image uploads along the way.

$99 value

PHP: Punch in the Face

Explore the basics of PHP and build your first app with this course.

In over 57 lectures, you will understand the fundamentals of the Python language, learn how to use PHP syntax and functions, get the basics of class creation, study MySQL commands, build a PHP application, and create a database driven project.

$79 value

Become a Heroku Rails Ninja: Expert Level Deployment Tools

Heroku is a cloud-application platform that allows developers spend their time on their application code, not managing servers, deployment, ongoing operations, or scaling. As Heroku makes the development and deployment of apps easier, this course aims to teach you the ins and outs of the platform so that you can get more bang for your buck from your code.

In more than 30 lectures and 8.5 hours of content, you will explore the challenges of deploying your app, optimize your code to get the most out of Heroku and reduce costs, expand features and functionalities with the help of Ruby gems and Heroku third-party add-ons, and more.

$75 value

Mobile and Web Rapid Prototyping — Interaction and Animation

In more than 31 lectures, you will create fast, reactive prototypes to better present your app or website, gain skills to optimize your presenting style, understand how to use Quartz Composer to create animations, and speed up the design process.

$39 value

SEE ALSO: Get a taste of coding with this affordable and beginner-friendly web developer course

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Shake Shack has started serving a chicken sandwich aimed to take down Chick-Fil-A. We sent Mr. Hungryman NYC Graham Flanagan to check it out and see if it's worthy of the hype. 

Produced by Joe Avella

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High Street on Hudson recently opened on New York City's west side. It's an outpost of High Street on Market, a Philadelphia staple that serves sophisticated American food as well as baked goods.

High Street on Hudson has a similar concept; its menu is filled with innovative American classics such as a duck meatball sub and pastrami and hash. As of right now, the restaurant is only open for breakfast and lunch, but dinner is on the way.

We stopped in for one menu item in particular: "the best grilled cheese ever." We wanted to know if the sandwich — made with thick, doughy potato bread, loads of butter, and cheddar cheese — lives up to its name.

Our verdict? It does indeed.

Story by Sarah Schmalbruch and editing by Ben Nigh

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If you've ever wanted to live like the NHL's legendary Wayne Gretzky, now's your chance.

The 54-year-old former NHL player and coach — and Hockey Hall of Famer — has relisted his five-bedroom mansion in Thousand Oaks, California, for $8.2 million.

When he first put it on the market in 2014, it was listed at $10.5 million. He's owned it since 2009, when he bought it for $2.8 million, according to public records.

The 8,711-square-foot estate is in pristine condition. Engel & Völkers has the listing.

SEE ALSO: Go inside the infamous Playboy Mansion, which just hit the market for $200 million

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Backed by views of the rolling green Santa Monica Mountains, the Gretzky mansion is secure behind the gates of the exclusive Sherwood Country Club, ensuring privacy.

The five-bedroom, single-level estate has a dramatic stone entrance with a courtyard, complete with fountain.

The living room is open to the pool area, creating a seamless flow between indoor and outdoor space for easy entertaining.

Do you live in the Los Angeles area? Are you a medical marijuana card carrier and user? Do you have a story about how marijuana has helped you? And would you like to learn how to properly cook with cannabis? 

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