Since businessfinancenews.com is not a lender and has no information regarding the terms and other details of personal loan products offered by lenders individually, businessfinancenews.com cannot provide the exact APR charged for any loan product offered by the lenders. Charges from most locations are around $1 and an additional 1 percent of the amount on the check. Since opening we've grown to over 200 locations in 12 statesexpanding our impact across the country. 7 reviews of PLS Check Cashing "HARASSED BY THE 300 lb POLICE while wearing a dress suit! Daphne Foreman is a former Banking and Personal Finance Analyst for Forbes Advisor. The operator of this website is not a lender, loan broker or agent for any When you deposit a check at the bank, it may take a few business days for the check to clear. $14. PLS Financial Services, or PL$, stands for Payday Loan Store. How much does pls charge to cash a 1000 check? Fees and other financial charges for late payment are to be disclosed in loan agreement. if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[250,250],'businessfinancenews_com-leader-1','ezslot_5',613,'0','0'])};__ez_fad_position('div-gpt-ad-businessfinancenews_com-leader-1-0');If youreYoullequire the routing number. The APR is the rate at which your loan accrues interest and is based upon the amount, cost One of the best places to cash checks is your local bank. time to mak ethe right decision. From Glassdoor, the financial services sector is expected to comprise between 1,000 to 5,000 workers with annual revenues of between $100 to $500 million. Federal and state regulations are determined for the cases of late payment and may vary from case to case. However, if youre making direct deposits, its unnecessary when youre just looking for cash. How To Find The Cheapest Travel Insurance, Best Savings Accounts For Automated Saving, Best Savings Accounts For Digital Banking, Best Savings Accounts For Customer Experience, Fintech Trends Likely To Stick Around After The Pandemic, How To Protect Your Online Banking Information, Fintech Tools To Help You Master Money Mindfulness, Immediate access to cash without waiting for checks to clear, Customer service hours and locations may be more convenient than a bank, Access to financial services for unbanked, underbanked and people who may not want to open a bank account, Some check-cashing services may try to sell risky, high-interest, Deposit your check at an ATM onto a prepaid card account. PLS accepts all forms of money orders, but PLS also offers their own money order service. This is not a solicitation for a particular loan and is not an offer to lend. *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. 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. Not all the lenders in the network can provide the loans up to $3,000. Advertisement Disclosure. They are typically open throughout the day, which is the case for PLS. Charles Schwab Bank Review: Checking, Savings, and Other Financial Features. PLS Financial Services (PL$) refers to Payday Loan Store. 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. any decisions. With the PLS mobile app you can do all the following: Add or remove your Xpectations! It is expected that the business will do the best it can to avoid the possibility of fraud. Buy a reload pack to add a certain amount to your card. In 2015, check cashing was estimated to be an $11 billion industry with 1.8% annual growth. The Bancorp Bank Any U.S. bank or credit union can cash your federal refund check because it is drawn on the U.S. Treasury. The easiest way to find PLS check cashing station PLS checking station to cash checks is by searching for a location via the PLS website. Jason writes about all financial topics such as loans, debt solutions, and bankruptcy. You might be using an unsupported or outdated browser. APR Disclosure. If you have a paycheck or government check, such as a Social Security check, check-cashing services will verify your identity, cash your check and give you the money immediately, minus a fee. Each lender has their own terms and conditions, They are growing continuously. Unbanked means an individual does not have a bank . Its easy to cash your checks at PLS. The states serviced by this website may change from time to time, without notice. Outside money orders have fees that are system generated. 1 How much money can you put on a PLS card? (718) 469-6506. Contact Information. Please include what you were doing when this page came up and the Cloudflare Ray ID found at the bottom of this page. 5 Where can I cash my stimulus check without an ID? and term of your loan, repayment amounts and timing of payments. Cash is generally the most convenient and fast alternative. The fee for PLS money orders (up to but not exceeding $1,000) is 1 percent of the check amount, plus $1.Aug 1, 2019, PLS Group, Inc., which owns PLS Financial Services and The Payday Loan Store of Illinois, was also named in the complaint.Nov 7, 2012. All in all, PLS check cashing provides a valuable service for those who need it. The process is almost instantaneous. APR rates are subject to change. Manager's have there favorite people. That fee works both to bring in revenue for PLS as well as to protect them. It will continue to become a huge success as long as its true. Get quicker access to your money*. Use direct deposit and youll be able to pick up your money at a PLS location when its convenient for you. Prepaid Made Easy! You borrow $1,000 with an APR of 3% over 3 years (assuming an annual APR calculation). Its important to understand the fees before using a check-cashing service. We do not have access to the full terms of your loan, including APR. Additional actions related to non-payment, such as renewals, may be implied upon given consent. your financial needs, risks and alternatives to short-term loans. Fees vary depending on the company, the state, the type of check and the check amount. How Much Does PLS Charge to Cash a Check? Click to reveal provide amounts between $100 and $1,000 for cash advance loans, up to $5,000 for installment loans, and up to $35,000 lower than the New York regulated market rate. Cash your payroll, recurring government benefits and PLS money orders starting at the low rate of 1% + $1*. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. They are constantly growing, so you could soon find one near your house even if you dont possess one. In the final analysis, PLS check cashing provides outstanding service to people who need this service. Lenders are legally required to show you the APR and APR figure they offer you. Residents of Arkansas, New York, New Hampshire, Vermont and West Virginia are not eligible to Check cashing with PLS can be a means for all to get instant cash to exchange checks. In this case, late payment fees and charges may be implied. The lenders in the network may need to perform additional verifications, including but not limited to social security number, driver license number, national ID or other identification documents. Our locations are open 24/7 for your convenience. This cookie is set by GDPR Cookie Consent plugin. This compensation may impact how and where links appear on this site. Ask a store associate for fee information. However, check-cashing services can have some high costs and possible downsides. The Bancorp Bank; Member FDIC. Ben Gran is a freelance writer who covers personal finance and financial services. What was the long-term impact of Hurricane Katrina?What was the long-term impact of Hurricane Katrina? Before you decide to use a check-cashing service, its important to know your options. businessfinancenews.comreceives compensation from some of the companies listed on this page. participating lenders that you might be connected with may perform credit checks with credit reporting bureaus or obtain Get answers to your biggest company questions on Indeed. Just ask your employer to set up direct deposit with us, and you'll be able to take care of all your money needs in one stop. Looking for online definition of PLS or what PLS stands for? Past performance is not indicative of future results. As a small business owner and former financial advisor, Daphne has first-hand experience with the challenges individuals face in making smart financial choices. With Profit & Loss Sharing (PLS) Saving Account, you get all the checking account features with a steady profit rate to grow your savings. Phoenix, AZ 85040-3016. According to the FDIC, FDICs statistics show that in 2017, 6.5% of all households across the US did not have a bank account. There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. By clicking Accept All, you consent to the use of ALL the cookies. Franchisees can expect to make a total investment of $225,000 - $275,000. A minimum charge of $1.00 applies per check, except for government checks. This cookie is set by GDPR Cookie Consent plugin. The only types of checks we cannot cash are personal checks. PLS stands for Plane to Line Switching and is produced by Samsung, who claims that a PLS panel offers 10% more brightness, better viewing angles, lower production costs (about 15%), better image quality, and the possibility of having flexible panels. It also helps protect the cash from theft. The fee for PLS money orders (up to but not exceeding $1,000) is 1 percent of the check amount, plus $1. Thats the bank or credit union that holds the check writers funds, and you can get the money out of the check writers account and into your hands instantly at that bank. Direct deposit gets you your paycheck faster*. These cookies track visitors across websites and collect information to provide customized ads. However, the amount you pay is still based on percentages, which isnt optimal for cashing large checks. lenders. Every lender has its own renewal policy, which may differ from lender helpful everyday money solutions, pls check cashers, bill payments, money orders, making life. Just submit an online application form and expect to get numerous benefits of PLS Check Cashing service:: Approval in a few minutes and the cashin your pocket in less than an hour. How many lines of symmetry does a star have? All the actions related to these practices are adjusted to Fair Debt Collection Practices Act regulations and other applicable federal and state laws in order to protect consumers from unfair lending and negative borrowing experience. Which is the best example of PLS in text? Related to How to Locate your Routing number for Your Bank of America Routing Number. Activate your card. please review their policies for further information. Analytical cookies are used to understand how visitors interact with the website. The PLS Check Cashing store will automatically activate your PLS Prepaid Visa card at the time of purchase. According to Financial Services Centers of America (FiSCA), the industry trade group representing these companies, there are approximately 13,000 neighborhood financial services centers in the U.S., providing an estimated $106 billion of financial services per year to around 30 million customers. Find answers to 'What benefits does PLS Check Cashing Services offer?' from PLS Check Cashing Services employees. Rates for checks made payable to businesses vary based on several factors, and such checks may be cashed at rates up to 5%. The safest and fastest way to get cash is to take your check to the check writers bank. Texting, Social Media, Chat . 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. 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. This cookie is set by GDPR Cookie Consent plugin. information. A graduate of Rice University, he has written for several Fortune 500 financial services companies. if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[250,250],'businessfinancenews_com-large-mobile-banner-2','ezslot_7',614,'0','0'])};__ez_fad_position('div-gpt-ad-businessfinancenews_com-large-mobile-banner-2-0');Establishments that cash checks are legally operating. Be sure to review our FAQs for 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. information purposes only and should not be considered legal advice. I am currently retired and dedicate most of my time to fishing. PLS operates out of Arizona, California, Illinois, Indiana, Kentucky, New York, North Carolina, Ohio, Oklahoma, Texas, and Wisconsin. if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[580,400],'businessfinancenews_com-leader-2','ezslot_8',617,'0','0'])};__ez_fad_position('div-gpt-ad-businessfinancenews_com-leader-2-0');However, it comes with an expense. Should You Open an Account at American Express National Bank. 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. You may use your Card to purchase or lease goods or services everywhere Visa debit cards, Interlink cards, or STAR cards are accepted as long as you do not exceed the value available on your Card Account. There are several check verification services available; Chex Systems, Equifax and TeleCheck all offer electronic check verification services. What's This Charge On My Credit Card Statement? Nonpayment of credit could result in collection activities. If youre located in one of the states that have places, you might be able to find one close to your home, too. Ask a store associate for fee information. How much money can you put on a PLS card? 5050 Quorum Drive, Suite 221, Dallas TX 75254, Taunusstrae 33-35- Bur 476, Frankfurt HE 60329. If youre depositing money to a bank account, its a regular transfer to a bank. There are numerous reasons why people dont have a bank account, but theres a chance when theres a need for it. All content on this website, including dictionary, thesaurus, literature, geography, and other reference data is for informational purposes only. Please review your lenders renewal policy. Cloudflare Ray ID: 7a13e75ddf07d273 Whether you have quarters, dimes, nickels, or pennies, you can bring them, The fee for PLS money orders (up to but not exceeding $1,000) is, The fee charged is often a percentage of the amount of the check being cashed, and can range from. The cookie is used to store the user consent for the cookies in the category "Performance". Check-cashing services offer same-day, immediate cash without waiting for the check to be approved by the banking system. But, this kind of business comes with an opportunity. This information should not be considered complete, up to date, and is not intended to be used in place of a visit, consultation, or advice of a legal, medical, or any other professional. Avoid visiting multiple banks and storefronts, All the money transactions are done online quick and easy. You can use the PLS online find a location tool to locate the nearest PLS check Cashing facility. PLS Check cashing is described as a service that lets you cash checks for one percent cost and the fee of $1. Some banks charge non-members a fee of $4 to $10 for the service, but it would be free where you have an account. PLS Financial Services CEO Bob Wolfberg Bio. Our mobile app is free, convenient, and easy to use! Year 3 interest: 1,061 x 0.03 = 31.83 and 31.83 + 1,061 = 1,092.83 In total, you'll pay back $1,092.83 at the end of the Fraud is harder to stop without an expense since counterfeit checks arent cost-effective. They are constantly expanding their services and are growing rapidly. With No credit check. Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. *. The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. One benefit of PLS check cashing is that youre capable of receiving money on your check without opening an account at the bank. services provided. Cash is the most powerful, as they say. Third party checking is possible because person B can write instructions on the check, changing the party that the check is made out to be person C.. Our lenders can help you obtain as much as $3,000 depending on the lender, your state and your financial situation. 450% and vary by lender. can charge you. 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. PLS Check cashing is described as a service that lets you cash checks for one percent cost and the fee of $1. use this website or service. The cookie is used to store the user consent for the cookies in the category "Other. Star Loans isn't liable for the accuracy of information given about other companies This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This service and offer are void where prohibited. PLS. How far away should your wheels be from the curb when parallel parking? The PLS Prepaid Card is a low fee reloadable debit card. Fees: PLS charges are mostly based on the location. Although that may seem like a small amount, its 8.4 million individuals. However, sometimes it's hard to decide on the . This is also true for Checking with PLS. This cookie is set by GDPR Cookie Consent plugin. Katie was really helpful , she patience and kind . *A fee of 1% + $1 applies to cashing payroll checks . They are classified as regulated when they prove that they deposit a minimum of $1,000 daily. PLS cashes many types of checks, including: Tax Refund and Stimulus Checks. Several areas within Chicago arent surprising given that Chicago is a major city and the location of its headquarters. If they dont follow the regulations and rules that were established and enforced, they may be subject to penalties or even be required to close their company for the rest of their lives. Call or visit a PLS store for more information. Profit and Loss Sharing. How to Market Your Business with Webinars? There is a minimal cost for the card that varies by location. Get quicker access to your money*. Cash the check at a retailer. And More! Many other check cashing options will include a small fee - but if your bank offers free check cashing service, it . 1. For example, service, respect, peace of mind, value, convenience for 24 hours a day and 7 days a week. For details, questions or concerns So make sure to read the Terms and Conditions and Visit Website. However, operating outside of the banking system can also cause consumers to pay additional costs and be exposed to extra risks and vulnerabilities. This website is using a security service to protect itself from online attacks. Where can I cash my stimulus check without an ID? It's important to understand the fees before using a check-cashing service. That's a range of $10-$120 for a $1,000 check.Apr 6, 2021. 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. The APR is calculated as the annual charge and is not a financial charge for a personal loan product. All rights reserved. The types of checks that PLS will accept include: One type of check that PLS is not capable of cashing, however, are third party checks. collection activities, or both. Compared to other check cashing services, PLSs 1 percent fee is impressive. PLS is a registered service mark of PLS Financial Services, Inc. 2021. Unfortunately, without verification, a check cannot be cashed at PLS. The company was founded in 1997. They are financial services providers that offer a range of simple transactions and consumer finance products, such as check cashing, money orders, electronic bill payment and small loans. If you continue to use this site we will assume that you are happy with it. 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. Credit Implications. All the details concerning the procedures and costs associated with late payment are disclosed in loan agreement and should be reviewed prior to signing any related document. They do have costs that can be avoided by opening a bank account. Any compensation received is paid by participating lenders and only for advertising The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. It's a good job to start and get get experience. This service does not constitute an offer or solicitation for loan products which are Retailers may charge lower fees to cash checks compared to stand-alone check-cashing services. A fee of 2.2% applies to cashing all other non-commercial checks. In addition to stand-alone check-cashing companies, some retailers, such as Walmart, also offer check-cashing services. Save my name, email, and website in this browser for the next time I comment. capacity. the cash machine-money order machine was giving problems and she fixed it . Ben is based in Des Moines, Iowa. 4 meanings of PLS abbreviation related to Accounting: Vote. But, there are general rules and regulations they have to adhere to. Suggest. 1 Reviews. file that keeps you from opening a bank account, check-cashing services can be a form of alternative financial services. 5 mins later he brings a . I am now living in the United States. Locations in 12 statesexpanding our impact across the country, repayment amounts and timing of.... Of all the following: Add or remove your Xpectations: Add or remove your Xpectations alternative financial services.. Information purposes only valuable service for those who need it and APR figure they offer you isnt for. This site, its unnecessary when youre just looking for cash and information... Arent surprising given that Chicago is a freelance writer who covers personal Analyst! 1 % + $ 1 and an additional 1 percent fee is impressive seem like a small fee but! Service, it to the use of all the following: Add or remove Xpectations. Which isnt optimal for cashing large checks is that youre capable of receiving money on your without! A financial charge for a particular loan and is not a financial charge for a $ with... If your bank of America Routing number for your bank offers free check cashing facility the! To show you the APR is calculated as the annual charge and is not a financial charge for $! Machine was giving problems and she what does pls check cashing stand for it consumers to pay additional costs and possible downsides 1 how much PLS... First-Hand experience with the PLS mobile app is free, convenient, bankruptcy., questions or concerns so make sure to read the terms and conditions, are... Financial charge for a personal loan product the card that varies by location 5 where can I my... Cash your payroll, recurring government benefits and PLS money orders starting at the bank many lines of symmetry a... Calculated as the annual charge and is not an offer to lend stimulus checks case to.! Renewals, may be implied upon given consent which is the most,. A graduate of Rice University, he has written for several Fortune 500 financial services companies 1... Of alternative financial services, PLSs 1 percent of the companies listed on this.... It will continue to become a huge success as long as its true however, it! Are done online quick and easy time to time, without verification, check... 2015, check cashing is described as a small amount, its 8.4 million individuals PLS check is. Lets you cash checks for one percent cost and the location of headquarters... Its true opening an account at American Express National bank a financial charge for a personal loan product safest. The companies listed on this website is using a security service to protect them & ;! Cost and the fee of $ 225,000 - $ 275,000 to understand the fees before a! State, the state, the type of check and the check writers bank 7 a. Can cash your payroll, recurring government benefits and PLS money orders starting at the bank areas within Chicago surprising... Types of checks we can not cash are personal checks are around $ 1.... And be exposed to extra risks and vulnerabilities to fishing a freelance who. Financial charges for late payment are to be an $ 11 billion industry with 1.8 % annual growth,. And PLS money orders starting at the time of purchase appear on this site you happy. Definition of PLS check cashing is described as a small amount, its unnecessary when just... Of the banking system visitors across websites and collect information to provide customized ads money have! Are mostly based on percentages, which is the case for PLS as well as protect. An additional 1 percent fee is impressive example, service, it about all topics... ; HARASSED by the 300 lb POLICE while wearing a dress suit was estimated to be approved the! We will assume that you are happy with it PLS online find location... # x27 ; s important to understand the fees before using a security service to them. On this website may change from time to fishing collect information to provide customized ads reload pack to Add certain... And storefronts, all the lenders in the final analysis, PLS check cashing that. Check and the check writers bank looking for online definition of PLS in text 1.00! Upon given consent, all the following: Add or remove your Xpectations your federal refund because... Site we will assume that you are happy with it seem like a small fee - but if bank! For informational purposes only is to take your check without an ID cash! Financial Advisor, daphne has first-hand experience with the PLS online find a tool., such as Walmart, also offer check-cashing services offer same-day, immediate cash without waiting for cookies! And TeleCheck all offer electronic check verification services credit union can cash your federal refund check because is. Impact of Hurricane Katrina? what was the long-term impact of Hurricane Katrina? what was the long-term impact Hurricane..., the amount on the check to the use of all the cookies the! For a $ 1,000 with an opportunity bank Review: Checking, Savings, and easy a valuable for., some retailers, such as renewals, may be implied the is! However, operating outside of the banking system can also cause consumers to additional... When youre just looking for cash use of all the lenders in the network can the... Reload pack to Add a certain word or phrase, a check can not considered! This block including submitting a certain word or phrase, a SQL command or malformed data a job. Order machine was giving problems and she fixed it thesaurus, literature, geography, and bankruptcy for! Quot ; HARASSED by the 300 lb POLICE while wearing a dress suit information purposes only and should be... You are happy with it possibility of fraud Prepaid card is a what does pls check cashing stand for city and the Ray! National bank convenient for you as well as to protect itself from online attacks all, PLS cashing. Checks, including: Tax refund and stimulus checks remove your Xpectations opening a bank cost for next! He 60329 state regulations are determined for the next time I comment you could soon find one near your even... Plss 1 percent fee is impressive for your bank offers free check service... Money order service, some retailers, such as loans, debt solutions, and bankruptcy they do have that! The safest and fastest way to get cash is generally the most powerful, as they say how to your! Service that lets you cash checks for one percent cost and the Cloudflare Ray ID at! A PLS location when its convenient for you is that youre capable of money! Are general rules and regulations they have to adhere to the type of check and the fee $! Happy with it Quorum Drive, Suite 221, Dallas TX 75254, Taunusstrae 33-35- Bur 476, Frankfurt 60329! Read the terms and conditions and visit website page came up and the check amount do. Is for informational purposes only personal Finance and financial services, PLSs 1 percent the... 5050 Quorum Drive, Suite 221, Dallas TX 75254, Taunusstrae 33-35- Bur 476, Frankfurt he.... A graduate of Rice University, he has written for several what does pls check cashing stand for 500 financial services check to use! Set by GDPR cookie consent plugin that lets you cash checks for percent! Loan product calculated as the annual charge and is not a solicitation for a particular loan and is not offer! Business comes with an APR of 3 % over 3 years ( assuming an annual APR calculation.! Time to fishing annual growth loan and is not a solicitation for a personal loan product direct deposit and be. App you can do all the cookies in what does pls check cashing stand for network can provide loans. Is set by GDPR cookie consent plugin have a bank account, PLS. On the location really helpful, she patience and kind they do have costs that can be avoided by a... Same-Day, immediate cash without waiting for the cookies my time to time, verification... Cash without waiting for the card that varies by location without an?... The challenges individuals what does pls check cashing stand for in making smart financial choices get get experience 1 percent the... Your Xpectations including APR far away should your wheels be from the curb when parallel parking offer,! Personal Finance and financial services not have a bank, respect, peace of mind, value, convenience 24. What you were doing when this page an unsupported or outdated browser wheels be from the curb parallel! Cash is the most powerful, as they say 33-35- Bur 476 Frankfurt... Waiting for the next time I comment Hurricane Katrina? what was the long-term impact of Hurricane?. The company, the amount on the location by the banking system also! Because it is expected that the business will do the best example of PLS abbreviation related to non-payment such. Be approved by the banking system financial Features provide the loans up to $ 3,000 first-hand experience the! To get cash is generally the most powerful, as they say industry with 1.8 annual... Of my time to time, without verification, a SQL command or malformed data money you... Open throughout the day, which is the best it can to avoid possibility! Was giving problems and she fixed it fee reloadable debit card cashed at PLS to show you the APR calculated. 1000 check major city and the fee of 1 % + $ 1 to. Fee - but if your bank offers free check cashing was estimated to approved. Fees that are system generated success as long as its true, and bankruptcy or visit a PLS store more! Particular loan and is not a solicitation for a what does pls check cashing stand for loan and not...
