*A fee of 1% + $1 applies to cashing payroll checks, recurring government benefits, and PLS money orders up to $1,000. to lender. How to Remove Something From Credit Report, How to Get a Free Transunion Credit Report. We'd love to hear from you, please enter your comments. If you cash 26 paychecks over a year, that adds up to $780 in fees. With Profit & Loss Sharing (PLS) Saving Account, you get all the checking account features with a steady profit rate to grow your savings. AFI of New York, Inc., is licensed as a Money Transmitter by the New York State Department of Financial Services. There were many topics in personal finances that have currently changed and other that I have never published before. $16. There are valuable reasons to write a third party check, but they are unfortunately rare, and PLS will not accept them. For example, service, respect, peace of mind, value, convenience for 24 hours a day and 7 days a week. Check-cashing services offer same-day, immediate cash without waiting for the check to be approved by the banking system. Please is the most common definition for PLS on Snapchat, WhatsApp, Facebook, Twitter, and Instagram. Not all the lenders in the network can provide the loans up to $3,000. Before walking into a PLS to cash a check, make sure you have one in your area and that they are open when you need them to be. We are an advertising referral service to qualified participating lenders that may be able to Some faxing may be required. The Bancorp Bank; Member FDIC. 10 Which is the best example of PLS in text? Yet, PLS Financial Services aims to impact the lives of its clients. Giving unique and personalized presents is a great way to celebrate special occasions whether its a holiday, birthday, anniversary, graduation, or anything else. As nonbank financial service providers, check-cashing services tend to be useful for a few types of customers: There are pluses and minuses to using check-cashing services: Check-cashing services offer a service to millions of consumers. Cash is generally the most convenient and fast alternative. Check-cashing services allow people without bank accounts to cash checks. But its not the norm, and checking cashing services can be helpful. Published on 26 Sep 2017. It is a fast environment. A rebate check will typically include a note declaring the check invalid after 30 days, 60 days or 90 days. your credit. PLS operates out of Arizona, California, Illinois, Indiana, Kentucky, New York, North Carolina, Ohio, Oklahoma, Texas, and Wisconsin. Yes, you can in fact overdraft a prepaid card. I stand in the front minding my own. The safest and fastest way to get cash is to take your check to the check writers bank. If you continue to use this site we will assume that you are happy with it. Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features. time to mak ethe right decision. PLS provides a wide range of cashing services for checks. This compensation comes from two main sources. These financial and non-financial actions have nothing to do with businessfinancenews.com, and businessfinancenews.com has no information regaining whatsoever actions may be taken by the lenders. Additional charges associated with the loan offer, including but not limited to origination fees, late payment, non-payment charges and penalties, as well as non-financial actions, such as late payment reporting and debt collection actions, may be applied by the lenders. Visit Website. With the PLS mobile app you can do all the following: Add or remove your Xpectations! This card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and can be used wherever Visa debit cards are accepted. According to the FDIC, FDICs statistics show that in 2017, 6.5% of all households across the US did not have a bank account. We will discuss PLSs other products and services later in this article. Material Disclosure. In this case, late payment fees and charges may be implied. PLS is listed in the World's largest and most authoritative dictionary database of abbreviations and acronyms The Free Dictionary Use of this service is subject to this sites Terms They do have costs that can be avoided by opening a bank account. This site does not include all financial companies or all available financial offers. regarding your loan please contact your lender directly. This website is using a security service to protect itself from online attacks. Get a FREE Credit Evaluation from Credit Saint Today! Cash the check at a check-cashing store. *A fee of 1% + $1 applies to cashing payroll checks . Some services also offer prepaid cards. In the final analysis, PLS check cashing provides outstanding service to people who need this service. Rates for checks made payable to businesses vary based on several factors, and such checks may be cashed at rates up to 5%. What is PLS meaning in Accounting? Get quicker access to your money*. Direct deposit gets you your paycheck faster*. 5 Where can I cash my stimulus check without an ID? the cash machine-money order machine was giving problems and she fixed it . These include: if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[336,280],'businessfinancenews_com-box-4','ezslot_1',610,'0','0'])};__ez_fad_position('div-gpt-ad-businessfinancenews_com-box-4-0');These are just a few of the services offered. How much does pls charge to cash a 1000 check? You can follow her writing adventures on Instagram or Twitter: @ktmcbeth. I am now living in the United States. Businesses like Check Into Cash are considered the primary competitors. Home Todas as Notcias what does pls check cashing stand for 2023 BUSINESSFINANCENEWS.COM - All Rights Reserved. The PLS Check Cashing store will automatically activate your PLS Prepaid Visa card at the time of purchase. Be aware of the additional cost of 1% and the $1 fee. However, if a check is cleared, then PLS will be able to exchange the check amount for cash. How to Market Your Business with Webinars? Cash your Payroll Checks and PLS Money Orders at 1.99% . The operator of this website does not make any credit decisions. presented in the company list. APR Disclosure. Who invented Google Chrome in which year? If youre cashing a PLS granted money order, the fee is much less than other money orders. Compared to other check cashing services, PLSs 1 percent fee is impressive. Includes base and short-term incentives. actions of any lender. Visa Prepaid Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and can be used everywhere Visa debit cards are accepted. The only way you move up is if they like you. They are classified as regulated when they prove that they deposit a minimum of $1,000 daily. *A fee of 1% + $1 applies to cashing payroll checks, recurring government benefits, and PLS money orders up to $1,000. The lenders may need to perform credit check via one or more credit bureaus, including but not limited to major credit bureaus in order to determine credit reliability and the scopes of credit products to offer. Performance & security by Cloudflare. A fee of 2.2% applies to cashing all other non-commercial checks. Hourly pay at PLS Check Cashers ranges from an average of $9.99 to $15.16 an hour. Any U.S. bank or credit union can cash your federal refund check because it is drawn on the U.S. Treasury. You can apply for PLS Check Cashing Loans of the necessary amount online and get instant cash advance same day or within 24 hours. With his in-depthknowledge of all things financial, he is a great asset to eCreditDailyonline. The maximum value of your Card is restricted to $15,000.00. *A fee of 1.5% applies to cashing checks issued by a Federal or state government agency for Social Security, unemployment compensation, retirement, veterans benefits, Federal or state monetary assistance, emergency relief or housing assistance, tax refunds, or lottery winnings. loan product, or accept a loan from a participating lender. Rates for cashing greater checks, other types of checks, and other money orders will vary based on the type and amount of the check and other risk factors. In 2015, check cashing was estimated to be an $11 billion industry with 1.8% annual growth. Example of PLS Used in a Text. The funds availability for checks depends on the deposit method. So if you're cashing a $2,000 cashier's check at a store that charges a 5% fee, you'll pay $100 just to get your money. How far away should your wheels be from the curb when parallel parking? PLS Financial Services now has more than 300 branches in 12 states. If you can open a bank account, you will likely be better off depositing your checks at an FDIC-insured bank or NCUA-insured credit union. In this case the results of non-payment and late payment may be recorded and remain in credit reports for the determined amount of time. definitely recommended it . Our locations are open 24/7 for your convenience. independent, participating lender. Several areas within Chicago arent surprising given that Chicago is a major city and the location of its headquarters. How can I cash my tax refund check without a bank account? We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Our mobile app is free, convenient, and easy to use! additional information on issues such as credit and late payment implications. Year 1 interest: 1,000 x 0.03 = 30 and 30 + 1,000 = 1,030 For example, PLS cashes checks for "as low as 1% + $1.". The terms and scopes of loan products vary from lender to lender and can depend on numerous factors, including but not limited to the state of residence and credit standing of the applicant, as well as the terms determined by each lender individually. The APRs greatly vary from lender to lender, state to state and depend on numerous factors, including but not limited to the credit standing of an applicant. 1446 Nostrand Ave, Brooklyn, NY 11226. PLS Meaning. We also use third-party cookies that help us analyze and understand how you use this website. That's a range of $10-$120 for a $1,000 check.Apr 6, 2021. prohibited by any state law. The company was founded in 1997. Pay-by-checks at PLS are accessible at various locations throughout all across the US: if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[250,250],'businessfinancenews_com-large-leaderboard-2','ezslot_3',612,'0','0'])};__ez_fad_position('div-gpt-ad-businessfinancenews_com-large-leaderboard-2-0');if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[250,250],'businessfinancenews_com-large-leaderboard-2','ezslot_4',612,'0','1'])};__ez_fad_position('div-gpt-ad-businessfinancenews_com-large-leaderboard-2-0_1'); .large-leaderboard-2-multi-612{border:none !important;display:block !important;float:none !important;line-height:0px;margin-bottom:15px !important;margin-left:auto !important;margin-right:auto !important;margin-top:15px !important;max-width:100% !important;min-height:250px;min-width:250px;padding:0;text-align:center !important;}It could appear to be an unintentional scattering of states, but PLS continues to expand. Get your rate in just 5 minutes - it won't affect your credit score! Primary lateral sclerosis (PLS) is a type of motor neuron disease that causes the nerve cells in the brain that control movement to fail over time. The success of PLS is based on how we treat our customers and employees. 450% and vary by lender. Whether you need to cash checks, send a money order, or pay your bills, our friendly staff will help you get it done! Activate your card. Thank you and have a happy reading. PLS accepts all forms of money orders, but PLS also offers their own money order service. Get detailed information on PLS Check Cashing lending services. please review their policies for further information. Address11422 Southwest Fwy Ste 100, Houston, TX 77031 Phone281-983-5533 Scott Street PLS Check Cashers Hours This location is . businessfinancenews.comreceives compensation from some of the companies listed on this page. Cash your payroll, recurring government benefits and PLS money orders starting at the low rate of 1% + $1*. Third party checks are when the original issuer allows the receiving party to write the check for a third person. may have an even higher APR. (718) 469-6506. All rights reserved. Every lender has its own renewal policy, which may differ from lender Franchisees can expect to make a total investment of $225,000 - $275,000. 149.202.93.143 According to online reviews, PLS Check Cashers on Southwest Freeway has a 4.8-star rating. PLS is a popular option for check cashing, but what checks do they accept and how substantial is their check cashing fee? This cookie is set by GDPR Cookie Consent plugin. 3 reviews of PLS Check Cashing "Pretty cool check cashing place , i'll definitely recommended here. For payroll checks, recurring government checks (such as welfare assistance programs), and PLS granted money orders under $1,000, all have a service fee of 1 percent of the price of the check, plus $1. Just submit an online application form and expect to get numerous benefits of PLS Check Cashing service:: Available for bad credit applicants. PLS Financial Services, Inc. ©2023. Its important to understand the fees before using a check-cashing service. or all short-term, small-dollar loans. There is a minimal cost for the card that varies by location. You can contact us, to learn, Payday Check Service is Available through PLS. This service does not constitute an offer or solicitation for loan products which are Additional charges and fees associated with renewal may be applied. These cookies will be stored in your browser only with your consent. Look at the front of the check for an expiration date. I have a house in Ontario, but I actually never go. lender or loan broker. The website does not charge any fees for its service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan product or service offered by the lenders. PLS Check cashing is described as a service that lets you cash checks for one percent cost and the fee of $1. They are constantly expanding their services and are growing rapidly. Rates for cashing greater checks, other types of checks, and other money orders will vary based on the type and amount of the check and other risk factors. APR rates are subject to change. The process is almost instantaneous. Something went wrong. It's a good job to start and get get experience. If youre using a reliable service, Theres no reason to believe that the services are inadequate. Rates for cashing greater checks, other types of checks, and other money orders will vary based on the type and amount of the check and other risk factors. Nonpayment of credit could result in collection activities. Daphne Foreman is a former Banking and Personal Finance Analyst for Forbes Advisor. However, the amount you pay is still based on percentages, which isnt optimal for cashing large checks. Cash is the most powerful, as they say. Charles Schwab Bank Review: Checking, Savings, and Other Financial Features. PLS. Rates for cashing greater checks, other types of checks, and other money orders will vary based on the type and amount of the check and other risk factors. One of the best places to cash checks is your local bank. your financial needs, risks and alternatives to short-term loans. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Our mission statement says that our goal is to give users the information, expertise, and knowledge they need to feel confident about financial products and business services. https://acronyms.thefreedictionary.com/PLS, Interestingly, it is not only the intake of marine omega-3 fatty acids that has decreased during the last 100 years, but also the intake of, The conveyance of said merchandise resulted in the insolvency of both, The distributor only, password-based site offers access to, Dictionary, Encyclopedia and Thesaurus - The Free Dictionary, the webmaster's page for free fun content, Robust Nonlinear Partial Least Squares Regression Using the BACON Algorithm, GREEN CREATIVE Releases All New PLS HYB and BYP LED Lamps, Financial Services Centers recognizes PLS Financial with FiSCA StAR Award, A component prediction method for flue gas of natural gas combustion based on nonlinear partial least squares method, Ecological and biodiversity friendly approach to post larval shrimp (PLS) collection in Ghana, Marine phospholipids: new food supplements from the sea, How California's Fraudulent Transfers Act helped creditors, Projector Lamp Services Adds NY Area Sales Rep, Projector Lamp Services Distributor Log-in Portal is Live, Professional Designation in Logistics and Supply Chain Management. Cash the check at a retailer. If youre not a financial institution and require money to paychecks, this is a must-have service when you have to cash the need to cash the check. The cost for PLS check cashing is 1% of the check amount + $1. All the financial and non-financial charges and actions are to be disclosed in any particular loan agreement in a clear and transparent manner. Fees: PLS charges are mostly based on the location. If you're cashing a PLS granted money order, the fee is much less than other money orders. It's led us to be one of the largest and most recognized organizations in the industry. There are numerous reasons why people dont have a bank account, but theres a chance when theres a need for it. Reading my clipboard. Whether you need to cash checks, send a money order, or pay your bills, our friendly staff will help you get it done! Past performance is not indicative of future results. What the F visiting this business to get a money order with my mother. Get answers to your biggest company questions on Indeed. Please note that all salary figures . Analytical cookies are used to understand how visitors interact with the website. Some banks charge non-members a fee of $4 to $10 for the service, but it would be free where you have an account. She researches SEO strategies during the day, and freelances at night. 4 meanings of PLS abbreviation related to Accounting: Vote. But opting out of some of these cookies may affect your browsing experience. But, there are general rules and regulations they have to adhere to. A fee of 1.99% applies to cashing payroll checks and PLS money orders. PLS Check Cashers at 11422 Southwest Fwy Ste 100. Does pls have direct deposit? PLS Financial Services, or PL$, stands for Payday Loan Store. The Xpectations! What deficiency causes a preterm infant respiratory distress syndrome? For details, questions or concerns As like most banks, PLS will not be able to cash third party checks because they are often risky and can be prone to fraudulent manipulation. To get your paychecks sooner. Ben Gran is a freelance writer who covers personal finance and financial services. as legal advice. Your financial situation is unique and the products and services we review may not be right for your circumstances. 1. Copyright 2023 Quick-Advice.com | All rights reserved. For example, if a check-cashing service charges a 2% fee to cash your paycheck of $1,500, that amounts to $30, leaving you with take-home pay of $1,470. Lenders are legally required to show you the APR and It's easy to cash your checks at PLS. *A fee of 1% + $1 applies to cashingpayroll checks, recurring government benefits, and PLS money orders up to $1,000. In most institutions, account holders won't be charged a fee for this service - and you can deposit your funds first, then withdraw the cash later. Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. It is expected that the business will do the best it can to avoid the possibility of fraud. How much money can you put on a PLS card? Unknowing that I'm being profiled by a 300+ lb black officer on duty. Keep in mind that check-cashing services charge fees for processing checks and must disclose these fees up front. if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[336,280],'businessfinancenews_com-leader-3','ezslot_10',615,'0','0'])};__ez_fad_position('div-gpt-ad-businessfinancenews_com-leader-3-0');Personal checks arent as popular as they once were, but millions use individual checks. This cookie is set by GDPR Cookie Consent plugin. The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". *A fee of 1% + $1 applies to cashing payroll checks, recurring government benefits, and PLS money orders up to $1,000. PLS Financial Services Inc. is a company that can cash certain checks as a part of their financial services. We do not control and are not responsible for the Alongside cashing checks, PLS offers products and services such as credit for individuals or personal loans, as well as title transfer as well as credit cards that allow prepaying use, as well as tax refunds. Check-cashing services are not banks. any decisions. Save my name, email, and website in this browser for the next time I comment. Were PLS; a company committed to making peoples lives simpler by providing them with practical or helpful everyday money solutions and more. Payroll Direct Deposit at PLS! However, you may visit "Cookie Settings" to provide a controlled consent. With No co-signer or Collateral required. Only borrow an amount that can be repaid on the date of your next pay period. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. The registration information submitted by you on this website will be shared with one or more participating And website in this article not all the lenders in the final,... 149.202.93.143 According to online reviews, PLS check cashing lending services within Chicago arent surprising given that is. Immediate cash without waiting for the next time I comment of 1 % + $ 1 applies cashing. Get a Free credit Evaluation from credit Saint Today 1,000 daily % annual growth cookies. 7 days a week get cash is to take your check to be approved by banking! Bank account, but theres a chance when theres a chance when theres a need for it services. Rate in just 5 minutes - it wo n't affect your browsing experience a! Services later in this browser for the cookies in the category `` ''! Any credit decisions, which isnt optimal for cashing large checks stand for 2023 BUSINESSFINANCENEWS.COM - all Rights.. Benefits of PLS in text money solutions and more analyzed and have not been classified Into a category as.... Is 1 % + $ 1 applies to cashing all other non-commercial.!, Inc., is licensed as a service that lets you cash 26 paychecks over a,. Automatically activate your PLS prepaid Visa card at the low rate of %. 30 days, 60 days or 90 days to impact the lives of its clients unique and the and. Fee of 1.99 % amount you pay is still based on percentages, which isnt optimal for cashing large.... Reasons to write the check for an expiration date machine-money order machine giving. Maximum value of your next pay period services, PLSs 1 percent fee much... Credit decisions percentages, which isnt optimal for cashing large checks you may visit `` cookie Settings to..., WhatsApp, Facebook, Twitter, and easy to cash checks how we treat our customers employees! An advertising referral service to protect itself from online attacks hours a day 7... Orders starting at the front of the largest and most recognized organizations in the final analysis, PLS services! Re cashing a PLS card solicitation for loan products which are additional charges and fees associated with renewal be. Cookie consent plugin Snapchat, WhatsApp, Facebook, Twitter, and freelances at night people who need service! Is licensed as a money order service for Forbes Advisor, 2021. prohibited any! The primary competitors on PLS check Cashers at 11422 Southwest Fwy Ste 100,,. Analytical cookies are used to understand the fees before using a security service to people who this... Based on percentages, which isnt optimal for cashing large checks of your next pay period risks and to! Money order with my mother the check for an expiration date cashing was estimated to be approved by New... Site we will discuss PLSs other products and services later in this case, late payment fees and may... Does not include all financial companies or all Available financial offers the fees before using a service! Mind that check-cashing services charge fees for processing checks and PLS money orders at. Online reviews, PLS check cashing & quot ; Pretty cool check cashing stand 2023... On the U.S. Treasury was giving problems and she fixed it that being. Pl $, stands for Payday loan store Foreman is a freelance writer covers. Cashers at 11422 Southwest Fwy Ste 100, Houston, TX 77031 Phone281-983-5533 Scott Street PLS check cashing quot. On PLS check Cashers at 11422 Southwest Fwy Ste 100, Houston, 77031! Location is Transunion credit Report or credit union can cash certain checks as a that... Believe that the services are inadequate checks for one percent cost and the $ 1 less than money... $ 10- $ 120 for a third party check, but theres a need for it but its not norm! 300+ lb black officer on duty good job to start and get instant cash advance same or... Check will typically include a note declaring the check to be disclosed any... Services Inc. is a great asset to eCreditDailyonline quot ; Pretty cool check cashing place, I & # ;... And actions are to be disclosed in any particular loan agreement in a clear and transparent manner accept!, immediate cash without waiting for the cookies in the final analysis, PLS check cashing, but I never... Payment implications a category as yet 's a range of $ 9.99 to $ 15,000.00 30 days 60! Ontario, but what checks do they accept and how substantial is check! Take your check to the check for an expiration date that adds up to $ 780 in.! Accepts all forms of money orders website does not constitute an offer or solicitation loan... Credit Evaluation from credit Saint Today but its not the norm, and to... Asset to eCreditDailyonline and are growing rapidly at PLS check cashing store will what does pls check cashing stand for! Hear from you, please enter your comments services later in this case the of... Reliable service, theres no reason to believe that the business will do best. U.S. Treasury PLS provides a wide range of cashing services, PLSs 1 percent fee is much less than money! The receiving party to write a third person assume that you are happy it... Checks depends on the date of your card is restricted to $ 3,000 cash is generally the most,! City and the $ 1 $ 3,000 PLS is based on percentages, which optimal. From an average of $ 9.99 to $ 15.16 an hour growing rapidly from some of these cookies will shared... Exchange the check amount for cash them with practical or helpful everyday money and. There is a great asset what does pls check cashing stand for eCreditDailyonline be helpful be stored in your only! They are unfortunately rare, and easy to use this site does not any! How far away should your wheels be from the curb when parallel parking, immediate cash without waiting the! Review: checking, Savings, and website in this case the of. Does PLS charge to cash your payroll checks and PLS money orders starting at the front of the cost... The operator of this website does not include all financial companies or Available. Have a bank account operator of this website will be stored in your browser only with consent! A good job to start and get instant cash advance same day within! Payment fees and charges may be required analyzed and have not been classified Into a category as yet days... For one percent cost and the $ 1 on issues such as and. Asset to eCreditDailyonline that check-cashing services allow people without bank accounts to cash your payroll checks credit Saint!... Services for checks depends on the date of your card is restricted to $ 3,000 Transmitter by the York., but I actually never go time of purchase the New York State of. Job to start and get instant cash advance same day or within 24 hours check, but checks! Offer same-day, immediate cash without waiting for the determined amount of time deficiency a! The front of the additional cost of 1 % + $ 1 cash your checks at.... The location of its clients use this site we will assume that you happy... Note declaring the check writers bank you use this website stand for BUSINESSFINANCENEWS.COM... Payment may be required money solutions and more wide range of $ 9.99 to $ 15,000.00 adhere to most and! Cookie is set by GDPR cookie consent to record the user consent for the determined amount time. That I & # x27 ; m being profiled by a 300+ lb black officer on duty the and... Your biggest company questions on Indeed other non-commercial checks online application form and expect get. Declaring the check writers bank pay is still based on the U.S. Treasury love to hear from you please. Bad credit applicants minutes - it wo n't affect your credit score short-term loans bank Review:,... That adds up to $ 15,000.00 1,000 check.Apr 6, 2021. prohibited by any State law to. Use this website is using a security service to people who need this service not! Use third-party cookies that help us analyze and understand how you use this website after 30 days 60. What deficiency causes a preterm infant respiratory distress syndrome cookies in the.. Get answers to your biggest company questions on Indeed your payroll checks, TX 77031 Phone281-983-5533 Scott PLS! How can I cash my stimulus check without a bank account people without bank accounts to a... Credit Report 7 days a week that I have a bank account:: Available for credit... York, Inc., is licensed as a money order, the you., Facebook, Twitter, and other that I have never published before I! Are valuable reasons to write the check for an expiration date a great asset to.... In this case, late payment fees and charges may be recorded and remain in credit reports for determined... Third-Party cookies that help us analyze and what does pls check cashing stand for how you use this we. Additional information on PLS check cashing store will automatically activate your PLS prepaid Visa card the... Unknowing that I & # x27 ; ll definitely recommended here the lives of its headquarters the category Functional... % and the products and services later in this browser for the check invalid after days! Are to be an $ 11 billion industry with 1.8 % annual growth fastest way to a! Your credit score the New York, Inc., is licensed as a part of financial... Of money orders up is if they like you without a bank account the industry % to!