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| discover financial relief program: Business and Corporate Integrity Robert C. Chandler, 2014-03-10 There is a crisis of trustworthiness in business and corporate integrity. This book identifies the specific actions to create and sustain integrity in businesses and corporations—steps that can restore the public's trust and confidence as well as improve company performance. Business and Corporate Integrity: Sustaining Organizational Compliance, Ethics, and Trust addresses a critical, contemporary topic of wide public concern from a pragmatic, solution-oriented perspective. Offering insights from world-class scholars and a range of subject matter experts, this accessible, two-volume work defines the nature of corporate integrity and business ethics in the current climate of scandals and an increasingly skeptical public, allowing readers to fully understand the importance of the subject. In addition, it uniquely provides practical methods, tactics, and tools to effectively address issues of integrity in the organizational environment. The first volume of the series contains contributed chapters that address the foundational approaches for ethics and integrity in the business world. The second volume presents practical ways to assess and enhance integrity and encourage ethical behavior in corporations, businesses, and other organizations. All companies—regardless of size or financial clout—need to avoid the significant consequences of ethical misconduct and illegal behavior by their employees and managers, which can result in erosion of public trust, customer loyalty, investor confidence, and employee morale, not to mention debilitating fines and criminal indictments. This book identifies the key mindset and values that should guide decision making for businesspeople every day. |
| discover financial relief program: USTTA United States Travel and Tourism Administration, 1995 |
| discover financial relief program: HIPC Debt Relief United States. Congress. House. Committee on Financial Services. Subcommittee on Domestic and International Monetary Policy, Trade, and Technology, 2004 |
| discover financial relief program: Securitization of Financial Assets Kravitt, 2012-12-18 |
| discover financial relief program: The Complete Debt Relief Manual John Oswald, 2013 The Complete Debt Relief Manual is the definitive guide to paying off and eliminating any kind of debt. Written from a procedure writer's perspective, it will guide you, with detailed steps, sample letters, and checklists, through the processes of budgeting, deciding the best way to pay off debts, negotiating settlements with credit card companies or the IRS without getting scammed by debt settlement or consolidation companies, dealing with debt collector calls and hassles, handling or avoiding lawsuits, determining whether or not to declare bankruptcy and how to avoid it, and repairing your credit and improving your credit score. Foreclosure is not dealt with due to its specialized nature and the risks involved of tackling it without an attorney. Born from the author's painful lessons learned and personal experience, The Compete Debt Relief Manual is a treasure of accurate and effective procedures to guide your every step on your journey to debt freedom. |
| discover financial relief program: Report to Congress on the United States Foreign Relief Program United States. President, 1948 |
| discover financial relief program: Pay for Performance United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions and Consumer Protection, 2013 |
| discover financial relief program: Discover Your True North Bill George, 2015-07-09 The Leadership Classic, Discover Your True North, expanded for today's leaders Discover Your True North is the best-selling leadership classic that enables you to become an authentic leader by discovering your True North. Originally based on first-person interviews with 125 leaders, this book instantly became a must-read business classic when it was introduced in 2007. Now expanded and updated to introduce 48 new leaders and new learning about authentic global leaders, this revisited classic includes more diverse, global, and contemporary leaders of all ages. New case studies include Warren Buffett, Indra Nooyi, Arianna Huffington, Jack Ma, Paul Polman, Mike Bloomberg, Mark Zuckerberg, and many others. Alongside these studies, former Medtronic CEO Bill George continues to share his personal stories and his wisdom by describing how you can become the leader you want to be, with helpful exercises included throughout the book. Being a leader is about much more than title and management skills—it's fundamentally a question of who we are as human beings. Discover Your True North offers a concrete and comprehensive program for becoming an authentic leader, and shows how to chart your path to leadership success. Once you discover the purpose of your leadership, you'll find the true leader inside you. This book shows you how to use your natural leadership abilities to inspire and empower others to excellence in today's complex global world. Discover Your True North enables you to become the leader you were born to be, and stay on track of your True North. |
| discover financial relief program: Report to Congress on the United States Foreign Relief Program United States Foreign Relief Program, 1947 |
| discover financial relief program: Get the Hell Out of Debt Erin Skye Kelly, 2021-07-20 Erin Skye Kelly wrote Get the Hell Out of Debt after her own struggle to become consumer-debt free. She was tired of listening to middle-aged men in suits tell her to consolidate and refinance her debt when all that seemed to happen was she’d end up in more of it while they profited from it. When Kelly figured out the two most important tools to money management—and started achieving massive results—other women wanted to join in on the debt-free journey. With her sense of humor and straight-shooting sensibilities, Erin began transforming lives. This book is not only a step-by-step process that will walk you through how to pay off your debt—it’s a deeply personal journey centered around changing your mindset. As you master each of the three phases through repetition, you will create your own financial freedom, allowing you to live debt-free forever and create wealth and abundance that will positively impact your life—and the people you love and serve. No matter how much consumer debt you carry, this book is a judgment-free zone from cover-to-cover. Your dreams are welcome here. |
| discover financial relief program: Third Report to Congress on the United States Foreign Relief Program United States. Department of State, 1948 |
| discover financial relief program: Hearings United States. Congress. House. Committee on Ways and Means, 1949 |
| discover financial relief program: Dignity and Defiance James Shultz, Melissa Draper, 2009-01-07 Dignity and Defiance is a powerful, eyewitness account of Bolivia's decade-long rebellion against globalization imposed from abroad. Based on extensive interviews, this story comes alive with first-person accounts of a massive Enron/Shell oil spill from an elderly woman whose livelihood it threatens, of the young people who stood down a former dictator to take back control of their water, and of Bolivia's dramatic and successful challenge to the policies of the World Bank and the International Monetary Fund. Featuring a substantial introduction, a conclusion, and introductions to each of the chapters, this well-crafted mix of storytelling and analysis is a rich portrait of people calling for global integration to be different than it has been: more fair and more just. |
| discover financial relief program: Federal Register , 1981-11-02 |
| discover financial relief program: Congressional Oversight Panel December Oversight Report United States. Congressional Oversight Panel, 2009 |
| discover financial relief program: The Case for a Debt Jubilee Richard Vague, 2021-09-21 We were drowning in in record levels of debt before the COVID-19 crisis, and we are now deluged in it. U.S. private-sector loans have tripled relative to income since 1950 – and government debt is also at an all-time high. Soaring debt burdens individuals, stifles growth, compounds inequality, and brings falling living standards for millions. Richard Vague’s new book argues that, contrary to mainstream assumptions, we cannot simply hope that the trend will correct itself. Mounting debt is a feature of our economic system, not a bug: debts perpetually grow and compound, polarizing and impoverishing economies if not overtly dealt with. He offers a detailed plan for how we can restructure a range of debts – such as student loans, auto loans, medical debt and more – and offer hard-pressed debtors a ‘jubilee’ now, not in some utopian future. Vague’s bold polemic contains a wealth of ideas that will free millions from modern-day debt peonage, reduce inequality and bring new vigor to the economy as it struggles to emerge from the pandemic. |
| discover financial relief program: Marketing Information Package United States. Department of Transportation, 1998 |
| discover financial relief program: Discover , 2001-07 |
| discover financial relief program: The Hysterectomy Handbook Harrison Bluestone, Are you considering a hysterectomy but don't know where to start? Look no further than The Hysterectomy Handbook: A Comprehensive Guide. This short read book is packed with all the information you need to make an informed decision about this life-changing procedure. In the introduction, you'll learn the basics of what a hysterectomy is and why it matters. You'll also get a brief history of hysterectomy, giving you a deeper understanding of its significance in women's healthcare. The book then dives into the different types of hysterectomy, including total hysterectomy, partial hysterectomy, laparoscopic hysterectomy, and robotic hysterectomy. Each type is explained in detail, allowing you to understand which one may be right for you. Next, the book explores the various reasons for hysterectomy, such as uterine fibroids, endometriosis, pelvic inflammatory disease, abnormal uterine bleeding, and cancer. You'll gain insight into why these conditions may necessitate a hysterectomy and what you can expect during the procedure. Preparing for a hysterectomy is crucial, and this book provides a comprehensive guide on how to do so. From medical evaluations and pre-operative testing to medications, diet, exercise, and emotional preparation, you'll be fully equipped to face the procedure with confidence. The book then delves into the hysterectomy procedure itself, covering anesthesia options, surgical techniques, risks, complications, and recovery time. You'll gain a clear understanding of what to expect during and after the surgery. Recovery after a hysterectomy can be challenging, but this book offers guidance on managing pain and discomfort, post-operative care, and returning to daily activities. It also explores hormone replacement therapy (HRT) after hysterectomy, discussing the benefits, risks, and different types of HRT available. If you're looking for alternatives to hysterectomy, this book has you covered. It explores medications, uterine artery embolization, endometrial ablation, and myomectomy as potential options. Coping with the emotional effects of hysterectomy is also addressed, along with support groups and advice on intimacy and sexuality after the procedure. Long-term health considerations, such as bone health, cardiovascular health, sexual health, and psychological health, are also discussed. The book also covers the impact of hysterectomy on fertility, fertility preservation options, surrogacy, adoption, and the cost and insurance coverage of the procedure. Legal issues surrounding hysterectomy, such as informed consent, medical malpracticeTable of Contents: Introduction What is a hysterectomy? Brief history of hysterectomy Why hysterectomy matters Types of Hysterectomy Total hysterectomy Partial hysterectomy Laparoscopic hysterectomy Robotic hysterectomy Reasons for Hysterectomy Uterine fibroids Endometriosis Pelvic inflammatory disease Abnormal uterine bleeding Cancer Preparing for Hysterectomy Medical evaluation Pre-operative testing Medications Diet and exercise Emotional preparation Hysterectomy Procedure Anesthesia options Surgical techniques Risks and complications Recovery time Recovery After Hysterectomy Hospital stay Managing pain and discomfort Post-operative care Returning to daily activities Hormone Replacement Therapy (HRT) After Hysterectomy What is HRT? Benefits of HRT Risks of HRT Types of HRT Alternative Treatments to Hysterectomy Medications Uterine artery embolization Endometrial ablation Myomectomy Coping with Hysterectomy Emotional effects Support groups Intimacy and sexuality after hysterectomy Long-Term Health After Hysterectomy Bone health Cardiovascular health Sexual health Psychological health Hysterectomy and Fertility Impact on fertility Fertility preservation options Surrogacy and adoption Cost and Insurance Coverage of Hysterectomy Cost of hysterectomy Insurance coverage Government assistance programs Legal Issues Surrounding Hysterectomy Informed consent Medical malpractice Discrimination Hysterectomy and Cancer Hysterectomy for cancer treatment Hysterectomy for cancer prevention Recovery and follow-up care The Future of Hysterectomy Advancements in surgical techniques Emerging alternatives to hysterectomy The role of hysterectomy in women's healthcare Conclusion The impact of hysterectomy on women's health The future of hysterectomy Final thoughts and recommendations. |
| discover financial relief program: One DOT United States. Department of Transportation. Office of Small and Disadvantaged Business Utilization, 1998 |
| discover financial relief program: Food Stamp Program, Investigation and Extension United States. Congress. House. Committee on Agriculture, 1973 |
| discover financial relief program: Welfare and Strikes Armand J. Thieblot, Jr., Ronald M. Cowin, 2015-09-30 This book is a volume in the Penn Press Anniversary Collection. To mark its 125th anniversary in 2015, the University of Pennsylvania Press rereleased more than 1,100 titles from Penn Press's distinguished backlist from 1899-1999 that had fallen out of print. Spanning an entire century, the Anniversary Collection offers peer-reviewed scholarship in a wide range of subject areas. |
| discover financial relief program: CIS Annual , 2006 |
| discover financial relief program: African Programs of U.S. Organizations United States. Department of State. External Research Division, 1965 |
| discover financial relief program: Congressional Record United States. Congress, 1964 |
| discover financial relief program: The Department of State Bulletin , 1950 The official monthly record of United States foreign policy. |
| discover financial relief program: Small Business Administration Lending Programs United States. Congress. Senate. Select Committee on Small Business, 1966 Considers proposed curtailments in SBA loan programs. |
| discover financial relief program: Scholarship and Loan Program United States. Congress. House. Committee on Education and Labor, 1958 |
| discover financial relief program: The Emergence of Social Security in Canada Dennis T. Guest, 1997-01-01 The Emergence of Social Security in Canada has become a standard text in social work and related courses in post-secondary institutions across Canada. It is the first and most detailed history of Canadian social security from colonial times to the present. This book analyzes the major influences shaping the Canadian welfare state. A central trend in Canadian social security over most of the twentieth century has been a shift from a “residual” to an “institutional” concept. The residual approach, which dominated until the Second World War, posited that the causes of poverty and joblessness were to be found within individuals and were best remedied by personal initiative and reliance on the private market. However, the dramatic changes brought about by the Great Depression and the Second World War resulted in the rise of an institutional approach to social security. Poverty and joblessness began to be viewed as the results of systemic failure, and the public began to demand that governments take action to establish front-rank institutions guaranteeing a level of protection against the common risks to livelihood. Thus, the foundations of the Canadian welfare state were established. The Emergence of Social Security in Canada is both an important historical resource and an engrossing tale in its own right, and it will be of great interest to anyone concerned about Canadian social policy. |
| discover financial relief program: Brownfield Liability and Resource Issues United States. Congress. Senate. Committee on Environment and Public Works. Subcommittee on Superfund, Waste Control, and Risk Assessment, 1997 |
| discover financial relief program: Taking Stock Elizabeth Warren, 2010-08 |
| discover financial relief program: Security, Work, and Relief Policies United States. National Resources Planning Board. Committee on Long-range Work and Relief Policies, 1942 |
| discover financial relief program: Enterprise Zones Offer Site Incentives Donald L. Henry, 1987 |
| discover financial relief program: Computerworld , 2006-06-19 For more than 40 years, Computerworld has been the leading source of technology news and information for IT influencers worldwide. Computerworld's award-winning Web site (Computerworld.com), twice-monthly publication, focused conference series and custom research form the hub of the world's largest global IT media network. |
| discover financial relief program: 1949 Extension of the Reciprocal Trade Agreements Act United States. Congress. House. Committee on Ways and Means, 1949 |
| discover financial relief program: Hearings, Reports and Prints of the House Committee on Agriculture United States. Congress House. Committee on Agriculture, 1973 |
| discover financial relief program: Deep Inequality Earl Wysong, Robert Perrucci, 2017-11-17 Forbes reports that the richest 1 percent of the world’s population owns nearly half the world’s wealth, and the gap between the richest and poorest of the world only continues to increase. Deep Inequality looks behind these stark statistics to understand not only wealth inequality but also rising disparities in other elements of life—from education to the media. The authors argue that inequality has become so pervasive that it is the new normal. When we do recognize troubling inequality, we look at individual or small-scale problems without understanding the broader structural issues that shape the economy, the global political system, and more. Only by understanding the structural forces at play can we recognize the deep divisions in our society and work for meaningful change. Deep Inequality explains the changing landscape of inequality to help readers see society in a new way. |
| discover financial relief program: The Adult Psychotherapy Progress Notes Planner Arthur E. Jongsma, Jr., David J. Berghuis, 2014-01-27 Save hours of time-consuming paperwork with the bestselling treatment planning system The Adult Psychotherapy Progress Notes Planner, Fifth Edition contains complete prewritten session and patient presentation descriptions for each behavioral problem in The Complete Adult Psychotherapy Treatment Planner, Fifth Edition. The prewritten progress notes can be easily and quickly adapted to fit a particular client need or treatment situation. Saves you hours of time-consuming paperwork, yet offers the freedom to develop customized progress notes Organized around 43 behaviorally based presenting problems, including depression, intimate relationship conflicts, chronic pain, anxiety, substance abuse, borderline personality, and more Features over 1,000 prewritten progress notes (summarizing patient presentation, themes of session, and treatment delivered) Provides an array of treatment approaches that correspond with the behavioral problems and DSM-5TM diagnostic categories in The Complete Adult Psychotherapy Treatment Planner, Fifth Edition Offers sample progress notes that conform to the requirements of most third-party payors and accrediting agencies, including CARF, The Joint Commission (TJC), COA, and the NCQA Identifies the latest evidence-based care treatments with treatment language following specific guidelines set by managed care and accrediting agencies |
| discover financial relief program: Security, Work, and Relief Policies. 1942 United States. National Resources Planning Board. Committee on Long-range Work and Relief Policies, 1942 |
| discover financial relief program: Congressional Oversight Panel February Oversight Report United States. Congressional Oversight Panel, 2011 |
DISCOVER PAYMENT PROTECTION
Please visit Discover.com/DPP to view your Discover Payment Protection Terms and Conditions for exclusions that may apply. Qualifying Events. employment by the employer (excluding …
Discover® Deliver: FAQ - Discover® Global Network
Discover® Deliver enables participating Financial Institutions and their Agents to use single message Transactions to “pull” and “push” money in near real-time. Discover® Deliver is a …
Discover Welfare Benefits Plan Summary Plan Description
Jun 1, 2018 · assistance, employee assistance and pre-tax benefits offered under the Discover Financial Services Welfare Benefits Plan (plan) as in effect on January 1, 2023. This SPD …
Discover Bank, James Roszkowski - RIN 3064-AF81 - FDIC
DISCOVER participant. Associated with that program is the "Don't Pay to Get Paid" initiative that enables consumers who live, work, worship, or study in Wilminoton, Delaware to obtain a …
List of Banks Offering Relief To Businesses and Retail …
Discover’s coronavirus help page says there is, “support in place,” for qualified Discover customers who experience hardship as a result of the outbreak. Online banking customers can …
Discover Education Assistance - findly.com
For employees enrolled in The Discover College Commitment, Discover will pay federal and applicable state and Puerto Rico income tax on behalf of the employee for taxable portions of …
Executive Briefing | Discover Financial Services Realizes …
Discover Financial Services invests in the higher education of its employees through its Tuition Reimbursement Program (TRP). From 2010 to 2013, Discover provided employees $7.4M in …
Sophomores: Jumpstart Your Future - findly.com
Discover Financial Services provides innovative banking and credit products to help people spend smarter, manage debt better and save more for a brighter financial future. We’ve been around …
Your Program Guide
Just like an engine powers a car, your Dedicated Account powers your Freedom Debt Relief program. Each deposit you make builds a more powerful engine ; one that enables us to …
Discover Payment Protection Quick Reference Guide
Discover® Payment Protection Long Term Benefits Short Term Benefits Quick Reference Guide Please visit Discover.com/DPP to view your Discover Payment Protection Terms and …
CAPP v Discover First Amended Complaint (01018856)
more, such as Discover, to submit periodic financial reports and resolution reports in the event of material financial distress or failure, to the Federal Reserve, the FDIC and state bank regulators.
Letter to Discover Financial Services - Federal Reserve Board
Discover Financial Services 2500 Lake Cook Road Riverwoods, XL 60015. 1. Dear Mr. Hochschild: The Board of Governors of the Federal Reserve System (the Board) and the …
SBA COVID-19 EIDL Financial Relief: Policy Options and …
Current congressional discussions about the need for additional financial relief for those borrowers include policy options such as (1) reduced interest rates, (2) loan deferments without accrued …
IRA Distribution Form for Traditional, Roth, and SIMPLE IRAs
For your federal income tax withholding rate election, provide a Form W-4R to your IRA custodian/trustee. If Form W-4R is not returned to the custodian/trustee, federal income taxes …
Find your spark at Discover - Discover Careers
helping people spend smarter, manage debt better, and save more for a brighter financial future. Internship and Full-Time Opportunities Our Summer Internship Program is the perfect way to …
Amended and Restated Consent Order, Order for Restitution, …
3 unsound banking practices and violations of law and/or regulation for which the FDIC may order corrective action, including restitution, and assess a civil money penalty (CMP) against the …
Revenue-Based Disaster and Pandemic Assistance Programs …
Both the Emergency Relief Program (ERP) Phase Two and the Pandemic Assistance Revenue Program (PARP) offer a holistic approach to disaster assistance and provide economic support …
UNITED STATES DISTRICT COURT FOR THE NORTHERN …
Defendants Discover Financial Services; DFS Services, LLC; and Discover Bank (collectively, “Discover” and together with the Settlement Class Representatives, the “Parties”). Having now …
HR_21_1013551_ACC_Sophomore_Program_Digital_Release.indd
Apply to the Explore Discover Program and gain an insider’s look into what it’s like to work for a global fintech leader. You’ll explore career paths with us in analytics, technology, and business. …
Special Financial Relief Programme (SFRP) (Unsecured) …
The SFRP (Unsecured) is part of the Special Financial Relief Package (SFRP) that the financial industry, in collaboration with MAS, has put forth to help individuals affected by the COVID-19 …
DISCOVER PAYMENT PROTECTION
Please visit Discover.com/DPP to view your Discover Payment Protection Terms and Conditions for exclusions that may apply. Qualifying Events. employment by the employer (excluding …
Discover® Deliver: FAQ - Discover® Global Network
Discover® Deliver enables participating Financial Institutions and their Agents to use single message Transactions to “pull” and “push” money in near real-time. Discover® Deliver is a …
Discover Welfare Benefits Plan Summary Plan Description
Jun 1, 2018 · assistance, employee assistance and pre-tax benefits offered under the Discover Financial Services Welfare Benefits Plan (plan) as in effect on January 1, 2023. This SPD …
Discover Bank, James Roszkowski - RIN 3064-AF81 - FDIC
DISCOVER participant. Associated with that program is the "Don't Pay to Get Paid" initiative that enables consumers who live, work, worship, or study in Wilminoton, Delaware to obtain a …
List of Banks Offering Relief To Businesses and Retail …
Discover’s coronavirus help page says there is, “support in place,” for qualified Discover customers who experience hardship as a result of the outbreak. Online banking customers can …
Discover Education Assistance - findly.com
For employees enrolled in The Discover College Commitment, Discover will pay federal and applicable state and Puerto Rico income tax on behalf of the employee for taxable portions of …
Executive Briefing | Discover Financial Services Realizes …
Discover Financial Services invests in the higher education of its employees through its Tuition Reimbursement Program (TRP). From 2010 to 2013, Discover provided employees $7.4M in …
Sophomores: Jumpstart Your Future - findly.com
Discover Financial Services provides innovative banking and credit products to help people spend smarter, manage debt better and save more for a brighter financial future. We’ve been around …
Your Program Guide
Just like an engine powers a car, your Dedicated Account powers your Freedom Debt Relief program. Each deposit you make builds a more powerful engine ; one that enables us to …
Discover Payment Protection Quick Reference Guide
Discover® Payment Protection Long Term Benefits Short Term Benefits Quick Reference Guide Please visit Discover.com/DPP to view your Discover Payment Protection Terms and …
CAPP v Discover First Amended Complaint (01018856)
more, such as Discover, to submit periodic financial reports and resolution reports in the event of material financial distress or failure, to the Federal Reserve, the FDIC and state bank regulators.
Letter to Discover Financial Services - Federal Reserve Board
Discover Financial Services 2500 Lake Cook Road Riverwoods, XL 60015. 1. Dear Mr. Hochschild: The Board of Governors of the Federal Reserve System (the Board) and the …
SBA COVID-19 EIDL Financial Relief: Policy Options and …
Current congressional discussions about the need for additional financial relief for those borrowers include policy options such as (1) reduced interest rates, (2) loan deferments without accrued …
IRA Distribution Form for Traditional, Roth, and SIMPLE …
For your federal income tax withholding rate election, provide a Form W-4R to your IRA custodian/trustee. If Form W-4R is not returned to the custodian/trustee, federal income taxes …
Find your spark at Discover - Discover Careers
helping people spend smarter, manage debt better, and save more for a brighter financial future. Internship and Full-Time Opportunities Our Summer Internship Program is the perfect way to …
Amended and Restated Consent Order, Order for …
3 unsound banking practices and violations of law and/or regulation for which the FDIC may order corrective action, including restitution, and assess a civil money penalty (CMP) against the …
Revenue-Based Disaster and Pandemic Assistance …
Both the Emergency Relief Program (ERP) Phase Two and the Pandemic Assistance Revenue Program (PARP) offer a holistic approach to disaster assistance and provide economic …
UNITED STATES DISTRICT COURT FOR THE …
Defendants Discover Financial Services; DFS Services, LLC; and Discover Bank (collectively, “Discover” and together with the Settlement Class Representatives, the “Parties”). Having now …
HR_21_1013551_ACC_Sophomore_Program_Digital_Releas…
Apply to the Explore Discover Program and gain an insider’s look into what it’s like to work for a global fintech leader. You’ll explore career paths with us in analytics, technology, and …
Special Financial Relief Programme (SFRP) (Unsecured) …
The SFRP (Unsecured) is part of the Special Financial Relief Package (SFRP) that the financial industry, in collaboration with MAS, has put forth to help individuals affected by the COVID-19 …
