Thursday, April 2, 2020

Pfg New Jersey

Learn about the many ways we enjoy giving back to our communities. PFG is a company that cares.

Performance Food Group Moves South Jersey Operations To Elkton Md

Its top supplier is Monari Federzoni S P A.

Pfg new jersey. Performance Food Group - PFG Customized New Jersey Branch Office 500 Highland Drive Highland Business Park Westampton NJ 08060 609 518-1102. Italy is where most shipments originate. General Noli Spedizioni Internazionali Spa.

The port of LA Spezia Italy handles most imports. Hotels Nearby Quality Inn Suites. Ultra Lite BJJ Coat - Brazilian Jiu Jitsu Top - Light Weight 100 Cotton.

Pfg - Financial Planning Management has a small team of three employees all of whom are financial advisors. 908 629-1800 Members 12. Home Improvement Contractor License.

Are required to act in the clients best interests in all aspects of the financial relationship. Pfg - Financial Planning Management is a financial advisory company headquartered in Princeton New Jersey. Pfg of New Jersey LLC in Egg Harbor Township NJ Photos Reviews Based in Egg Harbor Township ranks in the top 53 of licensed contractors in New Jersey.

As a leading food distributor and supplier Performance Foodservice provides quality products innovative technology and custom solutions to culinary partners. See reviews photos directions phone numbers and more for Pfg Customized New Jersey locations in Northeast Philadelphia Philadelphia PA. PFG - Financial Planning Management PFG - Financial Planning Management.

Claim this business 609 518-1102 Favorite More Directions Sponsored Topics. The fund owned 83881 shares of the food distribution companys stock after selling 4238 shares during the period. We are always looking for fresh ideas simple solutions and new ways to serve our customers while using the knowledge weve gained to streamline our operations and processes.

Piscataway New Jersey CDL Class A Delivery Driver - Up to a 10000 Hiring Bonus. Piscataway New Jersey Order Selector - Limited Time 4000 Hiring Bonus. Pfg is located in Gloucester County of New Jersey state.

Find Pfg Of New Jersey LLC in Cherry Hill NJ 08034-1434 on Yellowbook. PFG MMA Fight Sparring Gloves New Arrivals. Performance Food Group - PFG Customized South Carolina Branch Office 1441 Firetower Road Rock Hill SC 29730 803 366-6399.

Ultra Light BJJ Kimono Gi Uniform - Brazilian Jiujitsu - Very Light Weight 100 Cotton 10oz Canvas. Budd Lake New Jersey Sanitation Warehouse. As a Registered Investment Advisor based in the State of New Jersey Linda Jim and PFG - Financial Planning Management.

Germain Crosby Director of Data Processing Information Technology Manager Chris Ekmekjian Manager Ron Possumato VP Administration John Scelfo Director of Data Processing. 500 Highland Dr Westampton NJ 08060 609 518-1102. Groceries and Related Products Nec Nsk Nonclassifiable Establishments Whol Groceries Doing business as.

The coordinates that you can use in navigation applications to get to find Pfg quickly are 397545364 -753750488. Get contact details or leave a review about this business. PFG-Customized New Jersey at 500 Highland Dr Westampton NJ 08060.

PFG - AFI Foods Phone. On the street of Heron Drive and street number is 301. Supply chain data for Partner Foods Group Pfg nj in Hackensack New Jersey.

State of New Jersey Common Pension Fund D lowered its holdings in Performance Food Group NYSEPFGC by 48 during the first quarter according to its most recent Form 13F filing with the Securities Exchange Commission. About This Place Verified. The company has 867 million in assets throughout 534 customer accounts.

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Wednesday, April 1, 2020

Affinity Fcu Login

Affinity Plus Federal Credit Union is federally insured by the NCUA and is an Equal Housing Lender. After that the standard balance transfer fee will apply if applicable.

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A wholly-owned subsidiary of Affinity Plus weve served members since 2000 and provide a streamlined process with clear and accurate title services.

Affinity fcu login. Affinity Federal Credit Union. Here for moving forward Here for financial goals Here for you. Your username is not case sensitive.

When you belong to Affinity you belong to. Dont forget you can transfer funds with Zelle and deposit checks quickly and easily with the Affinity Mobile Banking app. Checking and savings accounts loans credit cards and more.

Going forward you will use this username to log in to online and mobile banking instead of your member number. 9982 likes 61 talking about this 675 were here. Affinity Federal Credit Union.

This message is to inform you that Affinity First Federal Credit Union is not affiliated with any 3rd party external websites. For new or existing Affinity credit card there will be no balance transfer fee through December 31 2020. I dont want to always be sitting there waiting to be the next one to get picked off so I.

Synchrony has lost a lot of trust with me since they have been on this rampage of shutting down everyones cards. 9979 likes 47 talking about this 675 were here. Well continuing on with my spree I thought I would go ahead and try for this card too.

The answer you provide to the challenge question is separate from your regular Web Banking login password. Customize Your Online Banking Experience Visibility of Tiles. When you log in you will receive a message to create a username for your account.

Log in to my account. At Affinity our mission is to build better lives but what does that mean. Affinity Plus Federal Credit Union offers full-service personal and business banking.

Acct SS. Sign in to your account Welcome back. Sign in to view status or complete next steps on your loan.

Affinity One Federal Credit Union including its directors shareholders employees and affiliates is not liable or responsible for the content information security or failure of any products or services promoted or advertised on this third party site. You are now leaving Affinity One Federal Credit Union website. When you belong to Affinity you belong to.

We may decline any balance transfer if your Affinity credit card account is not in good standing or. We offer the link for your convenience and are not responsible for nor endorse guarantee or monitor content availability viewpoints products or services that are expressed or offered by any 3rd party website. Whether youre purchasing your first home or refinancing your current home working with Affinity Plus Title Company offers you a complete and full-service mortgage experience.

Log Back In As a valuable Affinity member you are invited to check out how to make the most out of your banking with Affinity. Your username must be between 8 and 26 characters in length and may be made up of both letters and numerals. Here for moving forward Here for financial goals Here for you.

As a credit union our not-for-profit model allows us to truly focus on the best interest of our members and community by offering lower loan rates greater deposit yields and less fees than youll find at the megabanks.

West Palm Beach Florida Houses

Discover 232 homes with swimming pool in West Palm Beach FL. View pictures of homes review sales history and use our detailed filters to find the perfect place.

8834 Lakes Blvd West Palm Beach Fl 33412 Realtor Com

Section 8 Housing Choice Voucher HCV Program.

West palm beach florida houses. Roughly 20 of properties in this municipality were constructed in the 1980s while the majority of the remaining. Zillow has 100 homes for sale in Palm Beach FL. View listing photos nearby sales and find the perfect home for sale in West Palm Beach FL.

Homes for You Price High to Low Price Low to High Newest Bedrooms Bathrooms Square Feet Lot Size. 3700 Georgia Avenue West Palm Beach FL 33405. Browse photos see new properties get open house info and research neighborhoods on Trulia.

This municipality offers mainly three bedroom and two bedroom homes. West Palm Beach Florida is arguably one of the best urban lifestyle locations in South Florida. Find available properties for sale near your current location.

West Palm Beach offers all. 10000 Dec 11 The Corcoran Group. West Palm Beach FL 33417.

243 single family homes for sale in West Palm Beach FL. 221 Oxford 200 West Palm Beach FL 33417. View listing photos review sales history and use our detailed real estate filters to find the perfect place.

While the rest of the country battles snowstorms. West Palm Beach Florida travel advice Home to Americas rich and famous for nearly a century West Palm Beach and nearby Palm Beach provide the most luxurious version of the relaxing Floridian lifestyle. West Palm Beach FL real estate prices overview Searching homes for sale in West Palm Beach FL has never been more convenient.

View 2082 homes for sale in West Palm Beach FL at a median listing price of 275000. 2630 Kittbuck Way Royal Palm Beach FL 33411. Browse through 278 Single-Family Homes for sale in West Palm Beach FL with prices between 44900 and 5400000.

Its a vacation spot in its own right offering travelers an array of away-from-the-shore attractions and rental options for all budgets. MLS RX-10716445. 561 832-8962 TTYTDD 561 366-4900 At this location you can find the.

1814 Presidential Way APT 201 West Palm Beach FL. The split between homeowners and renters is about even. WELCOME TO THE WEST PALM BEACH HOUSING AUTHORITY.

In West Palm Beach about 45 of dwellings are single detached homes while the rest are mainly large apartment buildings and small apartment buildings. 1778 Homes For Sale in West Palm Beach FL. West Palm Beach FL homes for sale and MLS Listings.

The offices of the West Palm Beach Housing Authority are now located at. We urge you to contact West Palm Beach realtors to offer you detailed information about any Single-Family home for. Condos for sale near me Houses for sale near me Open Houses Homes for Sale Near Me.

221 Oxford 200 West Palm Beach FL 33417 View this property at 221 Oxford 200 West Palm Beach FL 33417. 221 Oxford 200. In West Palm Beach about 45 of dwellings are single detached homes while the rest are mainly large apartment buildings and small apartment buildings.

The city is endowed with world-class shopping centers unique art galleries incredible restaurants museums cultural offerings and a beautiful skyline. The split between homeowners and renters is about even. West Palm Beach FL Real Estate Homes For Sale.

Zillow has 534 homes for sale in West Palm Beach FL. With Point2 you can easily browse through West Palm Beach FL single family homes for sale townhouses condos and commercial properties and quickly get a general perspective on the real estate prices. View listing photos review sales history and use our detailed real estate filters to find the perfect place.

West Palm Beach FL Real Estate Homes For Sale. See pricing and listing details of West Palm Beach real estate for sale. Roughly 20 of properties in this municipality were constructed in the 1980s while the majority of the remaining.

This municipality offers mainly three bedroom and two bedroom homes. 4BR City Side410 Amador Lane 1 West Palm Beach FL 33401 2750 4br - 2215ft 2 - West Palm Beach pic hide this posting restore restore this posting 1699.

Tuesday, March 31, 2020

Climate Change Physical Risk

B Investors with guidance on the types of information they should expect of companies to manage portfolio risks related to physical climate change impacts. Weve spent a lot of time now looking at both the physical risk and transition risk posed by climate change.

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Containing an open repeatable methodology which.

Climate change physical risk. The first is physical risk in other words the economic impact stemming from the expected increase in the frequency and magnitude of natural hazards. According to the US National Oceanic and Atmospheric Administration 119 weather and climate disasters that each entailed more than US1 billion in property damage have occurred in the United States since 2010roughly twice the number of such events that occurred in the. Stress testing and climate risk disclosure are essential to better assess physical risk.

Physical risks on the other hand are likely to be unavoidable. The physical one in particular is I think underappreciated in how near term it is how nonlinear some of the impacts are. This guide should also be useful for the public and policymak-ers seeking to better understand the critical issues concerning.

Physical climate-related risks represent the financial and economic losses due to the increasing frequency and intensity of climate-related events such as floods heatwaves or hurricanes and the consequences of long-term changes in climate trends such as rising sea levels acidification of the oceans and changes in precipitation due to rapidly increasing. 4 Climate change can both amplify traditional risks and create new risks. Specifically it provides.

Physical effects of global warmingrising sea levels drier droughts stormier stormsimperil factories and other assets as well as transport and energy links that knit supply chains together. Acute physical risks refer to those that are event-driven. To physical risks seems remiss.

Seven characteristics stand out. Physical risks resulting from climate change can be event driven acute or longer-term shifts chronic in climate patterns. Physical risk transition risk and liability risk.

Climate change risk can arise through three key categories. Beyond climate change mitigation and adaptation sovereign financial strength and higher insurance penetration help to preserve financial stability. On physical climate risk disclosure and risk management steps.

Investors and lenders can follow refining to suit their. Common approaches to risk assessment and risk management strategies based on natural hazards have been applied to climate change impacts although there are. Businesses recognise the threat.

The future path of greenhouse gas emissions will depend crucially on the adoption of climate policies and technological innovations IPCC 2018. In each of our nine cases the level of physical climate risk increases by 2030 and further by 2050. Climate change as a source of systemic risk Climate-related risks to the economy and financial sector are usually divided into two categories.

A clear and present danger Extreme weather events failure of climate change adaptation and natural catastrophes were ranked in the top 10 risks for business leaders in East Asia and the Pacific and. A Publicly-traded companies with detailed and specific guidance on physical climate risk disclosure and risk management steps. Climate risks are primarily viewed through three lenses.

Physical climate risk is. Within EBRD we are operating in some of the worlds most climate-vulnerable regions and so we fully understand the importance of assessing managing and disclosing the physical climate risks. Regulation fossil fuel exposure and clean energy growth.

Examples of recent weather events that have been linked to human-driven climate change include the heatwave and droughts in China in the summer of 2013 and the following winter extreme. Physical risk relates to the impact of events related to climate changesuch as severe stormson property infrastructure and business supply chains. Physical risks of climate change.

Climate risk refers to risk assessments based on formal analysis of the consequences likelihoods and responses to the impacts of climate change and how societal constraints shape adaptation options. Climate change presents material risks to business financial markets and society as a whole and these will only increase as the impacts of climate change become more apparent. Physical risks such as rising temperatures flooding drought sea level rise and water scarcity - are already being felt globally and the associated financial losses both insured and uninsured have significantly increased in recent years.

Property damage from physical climate risk has become increasingly common. Climate change physical risk does not appear to be reflected in global equity valuations. Climate change means we may face more frequent or severe weather events like flooding droughts and storms.

We find that physical risk from a changing climate is already present and growing. Physical risks are the risks associated with the physical effects of climate change. Climate change creates physical and transition financial risk Recent climate change has been driven by increased levels of carbon dioxide CO2 and other greenhouse gases in the atmosphere.

What are the physical risks from climate change. The physical risk framework is a practical guide. The methodology has the potential to become.

Also as we know the impacts will be systemic and potentially highly regressive. All are important but rely on action to combat climate change that is far from assured. Investors with guidance on the types of information they should expect of companies to manage portfolio risks related to physical climate change impacts.

With natural catastrophe models to assess some of the physical risks of climate change in different scenarios.

Meritage Homes Raleigh

4 people like this. Meritage Homes is a top 10 builder dedicated to building energy-efficient homes and communities.

Meritage Homes New Home Builders New Homes Guide

Meritage Homes Pays Homage to Raleighs Rich History with Grand Opening of Brickyard.

Meritage homes raleigh. Meritage Homes does not assume any duty by making this calculator or any related information available all of which duties are expressly disclaimed and Meritage Homes shall not be responsible for any errors or omissions therein or the consequences of any decisions or actions taken in reliance thereon. Home pricing features and community information is subject to change and homes to prior sale at any time without notice or obligation. This community is available to tour virtually or in person by appointment only.

This caused me to receive hundreds of phone calls from different realtors trying to sell a house I hadnt lived in for a week. It was rather lengthy and at times felt like duplicate conversations. NC - Raleigh is now hiring a Construction Intern - Raleigh NC in Morrisville North Carolina.

Offers to sell real property may only be made and accepted at the sales center for individual Meritage Homes communities. In our 30 years as a homebuilder Meritage Homes has invested millions of dollars in a relentless pursuit of building better smarter healthier homes. View where they build in master planned developments or individual communities.

Meritage Homes lists their communities on NewHomeSource. Find What You Need At BookingCom The Biggest Travel Site In The World. New Community Celebrates Carys Future While Honoring Its Past as the Nations Former Brick Capital.

For example the realtors from Meritage homes dont understand how to operate MLS and didnt update it. However it was done with respect and professionalism. 413 Sage Oak Lane.

Not an offer or solicitation to sell real property. Meritage offers a variety of homes that are designed with a focus on entry-level and first move-up buyers in Arizona California Colorado Texas Florida Georgia North Carolina South Carolina and Tennessee. See updated pricing and inventory daily.

CARY NC May 02 2019 GLOBE NEWSWIRE. With 30 years of experience over 84000 homes built and 50 savings on energy costs Meritage homeow. I interviewed at Meritage Homes Raleigh NC in January 2020.

Not an offer or solicitation to sell real property. On April 1 Meritage Homes NYSE. From the 310s.

Offers to sell real property may only be made and accepted at the sales center for individual Meritage Homes communities. The result is. 15 Meritage Homes reviews in Raleigh-Durham NC.

An Arizona-based homebuilder has acquired a large assemblage in northeast Raleigh with plans to build more than 150 homes. 4 people follow this. Home pricing features and community information is subject to change and homes to prior sale at any time without notice or obligation.

A free inside look at company reviews and salaries posted anonymously by employees. Anzeige Easy Fast And Secure Booking With Instant Confirmation. 2 reviews of Meritage Homes - Raleigh This company is only focused on selling homes and not worried about keeping existing customers.

If youre looking for Meritage Homes communities in Cary you will find them right here. Download as PDF May 02 2019 1212pm EDT. Meritage Homes is the sixth-largest public homebuilder in the United States based on homes closed in 2020.

View where Meritage Homes builds in master planned developments or individual communities. Available Homes by Meritage Homes Near Raleigh NC Back to Builders. We are looking for future leaders that can help Meritage continue to grow set our future strategy and solve our business challenges.

We make it easy for you to compare communities plans and see specials and incentives directly from Meritage Homes. Ever wonder why so many families choose Meritage Homes. Meritage Homes Raleigh Design Center by Meritage Homes Local Business in Raleigh North Carolina.

MTH paid 34 million for 61 acres. View and compare all the Meritage Homes communities in Raleigh-Durham-Chapel Hill NC you will find them here with pricing and inventory updated daily. There seems to be a difference in opinion between the layers in the company.

I applied through other source.

Monday, March 30, 2020

Content Marketing Platforms Gartner

Gartner defines content services platforms CSPs as integrated platforms that provide content-focused services repositories APIs solutions and business processing tools to support digital business and transformation. Use this research to find a CMP that drives efficiency and results.

Content Marketing Strategy Planning And Best Practices Gartner

Gartner Magic Quadrant for Content Marketing Platforms CMP 2021.

Content marketing platforms gartner. Content marketing platforms CMPs refers to software solutions that primarily support the practice of content marketing. Organize Your Marketing In 1 Place - CoSchedule Marketing. Gartner Magic Quadrant for Content Marketing Platforms Summary Marketing leaders must boost the scale relevance and return on content marketing investments.

Gartner Magic Quadrant for Content Marketing Platforms Summary Digital marketing leaders use content marketing platforms to create relevant content as well as manage and measure content operations. Sprinklr the unified Customer Experience Management CXM platform for modern enterprises announced it has been recognized as a Leader in the Gartner Magic Quadrant for Content Marketing Platforms 2021. Sprinklr the unified Customer Experience Management CXM platform for modern enterprises today announced it has been recognized as a Leader in the Gartner Magic Quadrant for Content Marketing Platforms 2021.

As some may remember we were acknowledged in last years inaugural report as a Leader placed in the highest and furthest position on the quadrant. Sprinklr Named a Leader in the 2021 Gartner Magic Quadrant for Content Marketing Platforms. Gartner Peer Insights reviews constitute the subjective opinions of individual end users based on their own experiences and do not represent the views of Gartner or its affiliates.

Sprinklr is a service that has allowed us to promote our brand through relevant and attractive marketing content for people the software has provided a stable operation and allows us to have a clear vision in order to achieve sales targets and increase our productivity I think that despite there have been some small setbacks with this service we have been able to advance. Contently acts as a core component of your martech stack. Recently released the 2020 version of its Magic Quadrant for Content Marketing Platforms.

Gartner Glossary Information Technology Glossary C Content Marketing Platforms Content Marketing Platforms Content marketing platforms are tools and services used by marketers to create curate collate and cultivate branded user-generated and third-party content across multiple channels. Gartner Magic Quadrant for Content Marketing Platforms Nicole Greene Rick LaFond 22 March 2021. Gartner Magic Quadrant for Content Marketing Platforms.

Gartner Magic Quadrant for Content Marketing Platforms 2020 Free Gartner Magic Quadrant for Content Marketing Platforms CMP NewsCred is a comprehensive easy-to. Contently is robust and built for enterprise usage. NEW YORK-- BUSINESS WIRE-- Welcome the worlds leading marketing orchestration platform announced it has once again been recognized as a Leader in the Gartner Magic Quadrant for Content.

A graphical competitive positioning of Leaders Visionaires Niche Players and. Gartner recently released its second annual Magic Quadrant for Content Marketing Platforms. This marks the second consecutive year that Sprinklr has received the Leader designation.

Gartner Peer Insights reviews constitute the subjective opinions of individual end users based on their own experiences and do not represent the views of Gartner or its affiliates. NEW YORK BUSINESS WIRE Sprinklr the unified Customer Experience Management CXM platform for modern enterprises today announced it has been recognized as a Leader in the Gartner Magic Quadrant for Content Marketing Platforms 2021. The evaluation was based on specific criteria that analyzed.

It offers brands all they need to plan and create content engage with their audiences and optimize their output for the best results. Sprinklr Named a Leader for Content Marketing Platforms by Gartner. Analyst house Gartner Inc.

To meet these needs content marketing platform vendors are merging editorial planning content sourcing and analysis capabilities. This site is protected by hCaptcha and its Privacy Policy and Terms of Service apply. Magic Quadrant for Content Marketing Platforms.

Theres a reason why Contently has been recognised as a leader in Gartners Magic Quadrant for Content Marketing Platforms.

Sunday, March 29, 2020

Invitation Homes Reviews Texas

The staff is pleasant and attentive. Everyone I have been in contact with this far has been helpful and honest about everything I would recommend them to anyone.

See The Great Renter Reviews For Invitation Homes In Dallas Tx

269 Invitation Homes reviews.

Invitation homes reviews texas. I love Invitation Homes for the easy online payment process and. See more of Invitation Homes and Rentals on Facebook. Invitation Homes states that it knows pets are family on their website claims it is a pet friendly property management company however it applies breed restrictions restrictions apply to pit bulls Rottweilers or any mix of those breeds to all its properties which is absolutely pet un-friendly.

If you read other reviews of Invitation Homes on the BBB and other review websites you have your answer. They will reply to this review Im sure to tell me that this isnt how it usually goes but I have yet to come across anyone who has leased invitation homes with a. 16 complaints for Invitation Homes.

Property Management in Dallas TX. Now its easier to find great businesses with recommendations. Invitation Homes has given us a rental experience tha t has been very pleasant.

The turnover rate is unbelievable and probably will continue in the same manner until proper management is put in place. Here is a small sample of the positive feedback received from the people who have leased with Invitation Homes throughout Houston. Reviews andor responses on this website to affirm that the.

10 out of 5. They are not a member of the Better Business Bureau which should be a red flag to anyone who is a prospective customer and they have a 97 negative rating on the BBB website. Our experience has been seamless and we would highly recommend Invitation Homes to anyone in the market Laura M Excellent service.

83 reviews of Invitation Homes Dallas Apparently Chris V is the guy to talk to if you have problems. 221 reviews from Invitation Homes employees about Invitation Homes culture salaries benefits work-life balance management job security and more. Their corporate office is run by a third party company called Yardi Systems.

We cho se this home after viewing many because it surpassed all others in cleanliness in a great family-friendly neighborhood. Invitation Homes has been in the news multiple times by the way and not due to positive reasons. Based on the opinion of 14 people.

A free inside look at company reviews and salaries posted anonymously by employees. As of 2018 Invitation Homes is the largest single-family rental housing owner of all time public or private with 82000 properties in 17 Sun Belt cities and a portfolio 58 bigger than American Homes 4 Rent its nearest competitor. Ratings and reviews have changed.

This in turn creates a non-existent worklife balance. Patty Mitchell doesnt recommend Invitation Homes and Rentals. 48 Invitation Homes reviews in Dallas-Fort Worth TX.

A free inside look at company reviews and salaries posted anonymously by employees. 44 reviews of Invitation Homes Houston My family and I moved in on October 16th and well so far so good. Invitation homes fell for it and ended up having to replace both units anyway leaving us without heat for over a week and nobody actually cared.

Dallas Tanner the CEO of Invitation Homes has literally put up a brick wall making. See BBB rating reviews complaints more. We felt heard as renters and received.

January 10 2020. We havent had any problems at all. Invitation Homes is in a state of constant change and constant fires.

Company resolves 38 of complaints brought to its attention from Business Consumer Alliance. These memories stories and reviews have been submitted by residents living in desirable neighborhoods throughout the greater Houston area including Spring Katy Humble Fresno and Friendswood. Check the complaint history rating and reviews on this company.

Resident Reviews All in all this company and the employees are the best around. Invitation Homes is rated with a F rating from Business Consumer Alliance as of 4212021. Will definitely recommend Waypoint to friends.

Nice house good location put in work orders directly to the system even if matenancence gives you contact info or insists not to. Thereby no one can truly catch-up. Invitation Homes was put together by an entrepreneur Dallas Tanner out of Arizona.

How To Invest In Portfolio

ETFs and mutual funds. An investment portfolio is the mix of things you invest money in. What Is Portfolio Diversification Fidelity Ergo...