Prepaid Cards

BPI Amore Visa Prepaid From BPI Cards and How to Get One

Includes the newest and one of the latest products launched by the BPI and the Ayala Card; we can not deny the simple fact that online shopping this afternoon knows no age. So much was said concerning the My ePrepaid MasterCard here Online or at the real-time border. Even the My ePrepaid MasterCard greatly impacted nearly all Filipinos who love cards for purchasing or enjoy online shopping generally. However, the best effect hits adolescents and the young ones who see online buying and online buying as a pastime. Why not this card play an essential function for each Filipino individual who cannot get their charge card because of numerous requirements from the banks? Therefore, the simple fact that My ePrepaid guarantees 100% acceptance per sequence by the BPI immediately became one of those online-shoppers best tools. Of course, BPI primarily targets young folks with this Group of Organizations, especially the Ayala Malls. The partnership Permits them to make a fantastic bank product for busy shoppers. On the planet or bank world, BPI is among the very exotic and most reliable banks in the Philippines and the earliest, so much better. It's well-known for excellent bank products and fantastic services. They're also known for their superb bank account and promotions which are always honored and adored by the Filipino people. A few decades back, they found an excellent product that significantly impacts the Online-Shopping around the entire globe. When they established the BPI My ePrepaid MasterCard," it was initially made for the Online-Shopping function. That it is a debit card along with a MasterCard Powered bank card, and it has been greatly valued by the mall buyer and sellers. The Product Review The key sole goal of this article post is to provide you a sense, a summit, or a broader view of what the specific Visa card may or can not do, the same as in a summary of some forms. Though we still do not have much to mention about what it can not do because (it sounds like it could do whatever ). But most importantly, we will not just inform you of how you're able to get one on your own; we will also show you. So with no further ado (advertisement, i.e.), let us begin the inspection. What is the Amore Visa Prepaid Card? And should you believe that's everything you expect from this beautiful solution, well, you are mistaken. Among the primary and fantastic benefits of this effective shopping, the card is the simple fact that it has 100% acceptance for all programs. Unlike every other Credit-Card Program, which needs a massive number of papers and requirements to reveal before it's possible to employ, the Amore Visa Prepaid Debit Card is a great deal simpler. Because all you have to apply for the particular Shopping Card is one legitimate I.D., that is all! Therefore, if you're looking for another fantastic shopping card that may be used for shopping online malls or online shopping, this might be an excellent candidate for this list. It may be used for purchasing in supermarkets, malls, boutiques, restaurants, Bars, Fueling channels, and several institutions that take Visa-driven cards in the Philippines or globally. Moreover, this particular card is designed for online shopping on spouse's merchant shops or any internet retailer shops that take Visa-powered cards and enjoy the BPI My ePrepaid MasterCard. Outstanding Features of the Amore Visa Prepaid If it has to do with the characteristics of the cards, we now are hands down on the item. As I've said before, this card has been an all-around card. From buying online boutiques, malls, or other shops globally, yes, globally. That is the power supplied by Visa International for the Card. One other fantastic characteristic of this can be excellent buying card is the simple fact that you will not be reversed upon this Program, like in 100% program approval. And needless to say, of the fantastic attributes, maybe this can be the one everybody wants to get a card. You may use it to store on the internet on almost any web merchant that takes Visa cards. Yes, not just local online shops here in the Philippines but any place on the web so long as they accept Visa cards. So let us start by specifying the facts of the BPI Amore Visa Prepaid, so you will understand why you truly deserve this, and we will also inform you how you can receive one in only a couple of moments, moments, or 2. The Feature Specifics 100% No-rejection Application Approval. Obtain your Amore Visa Prepaid card immediately with your Barkada in any chosen Ayala Malls Concierge or division. Yes, you might use this card everywhere and anyplace in the Philippines. This card may be implemented online with their Facebook Apps Page. On their Programs page, fill out an application form where you will input all of your private info and then apply online through that Program. You can claim your card from other Ayala mall branches. You can use it Everywhere that a VISA card Has Been Approved Globally in both malls or online buying where Visa is approved. -- It is accepted online and at shops here and overseas -- This card is a Companion for you. So if you are thinking of moving on a holiday trip, this might be a fantastic Visa-powered card. You can load up to P100,000 via BPI 24/7 branches Money to store offline or online anytime and any place in the world. That is a terrific convenient shopping relaxation in the palm of the hand. You are using a high limitation deposit of P100,000 pesos or roughly. Attempt to take loads and packages of money once you can readily match them. Hassle-Free reloading. No hidden fees. No loading fee. No minimum maintaining balance to presume. This card is generally a debit card, most notably if you are a kind of guy or woman aware of additional charges in your credit statement. That...
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Union Bank Eon-Visa Prepaid Card, How To Acquire One

The Unionbank EON debit card was also engineered and designed for internet transactions. It might also serve as regular savings account for somebody who would like to utilize it like a standard account. Before we get started with our principal subject, let's discuss what a Unionbank EON account is. Eon card, Eon Account, or even the Eon Visa Card is still another kind of debit card with the abilities and qualities of a charge card. Such as the SMART-Money along with also the BPI My ePrepaid MasterCard may also be utilized for global purchasing in real time at more than a million shops outlets around the planet and tens of thousands of retailers, restaurants, malls, pubs, cinemas, gas pumping channels and more. And it is not just confined to this purpose, precisely like some other CREDIT CARD; it may also be employed to buy online or on the net. Again, like the other two cards I mentioned previously, the Unionbank EON card is also well regarded as a friendly PayPal debit card. It owns long been used by many end-user net shoppers all around the world for extended ages now. The EON debit card is currently the web-based deposit account of UnionBank. It permits you to perform all of your banking transactions. It is possible to make electronic fund transfers into any financial institution in the nation- anytime, anywhere! They are taught from the UNION BANK site. To Assist You in understanding is another ideal way of payment on the internet or over the Mother-Cyber Account from the World Wide Web, where it is possible to link or dock this card, which provides you a whole good deal more suitable in purchasing online. However, to get the real potential of the card, all of the details concerning the Ways of connecting it to PayPal Finest function or capacity of this is its simplicity of Linking it into PayPal(to learn more about PAYPAL, follow my article). Features of the EON Debit card: 1). The most convenient way to lend is the quickest. Time. Anywhere on the planet to which you have access. Make your banking trade in 60 seconds in your home or No branches. No more checkbooks or passbooks. No trade slips. The best quality of this EON card is That it is An online connection, and you're on your reach to shopping without Talking. 2 ). No minimum balance to keep - this kind of account doesn't possess any claiming credit that other deposit or savings account demand. So that you don't need to be concerned about your accounts being shut down or penalties to cover, provided that your membership and card remain active, you can perform online shopping throughout the year. 3). Transfer funds from the EON account to different UnionBank accounts or some other bank accounts in the Philippines. - it is easy to move any amount you want from the EON accounts to another Unionbank savings account you've got or perhaps on your accounts at the other monies. All you need to do is merely register the savings or deposit accounts into your EON accounts, and that's it, so you can earn a transfer of money anytime, anywhere, so long as you have an internet connection. 4). everything could be completed with only a click of a single button. Your receipt for every payment made. Also, no hassles and no worries with the number and the sum. You will get a verification number. Enter your billing info - the benchmark Pay Your Watches Online with simplicity, 5). Make balance inquiries and account summaries - like trade details. Tracking your accounts has never been so simple. You don't have to drop by your bank to acquire your account list. Log in for your EON accounts, and you may have everything, such as the obligations for all of the trades you've created and the online trades where you utilize your own EON debit card. Steps for Application of the Unionbank EON Card Visa debit card: Step 1). Visit the Official Online program of this UNION BANK-EON ACCOUNT and then fill out the application form. One good thing you ought to remember is your Pickup branch which you are likely to pick or nominate. Be sure it's the place close to your city, your property, or close to your workplace. Remember that not all UNION BANK branches are pickup branches, particularly in Metro Manila. Even the UNION BANK PICK-UP branches will be such branches which include the CARD PRINTER or even Embosser, so They Can publish your card Once you have employed it. Step 2). The minute you receive your affirmation text message and the email in the UNION BANK, you can now stop by the UNION BANK PICK-UP BRANCH, which you had chosen online form you filled up. And do not neglect to bring the prerequisites they've submitted, a legitimate I.D.(listing of legitimate I.Ds are Recorded at the bottom of the page), a 1x1 most recent photograph of you, which ought to be brightly colored, along with your yearly subscription fee of Ph350. Then go to which you selected. Step 3). Upon your visit to the bank branch and payment of your annual subscription fee of Ph350 or $9 during this writing. You can immediately claim your EON-Debit card during the bank's visit. You don't have to wait for days for it to be printed. As long as you select a pickup branch close to your vicinity, everything will go well. That's because they have the facility to print your card as soon as you apply for it online. Step 4). A Fantastic question Which May disturb you will be, "WHAT IF THERE'S NO PICKUP LOCATION NEAR MY VICINITY OR PLACE? The solution is NOT ONLINE, so you need to see a standard UNION BANK branch (not a pickup division ). Then visit the NEW ACCOUNT segment and inform the Sales Associate you will make an application to an EON-ACCOUNT; fill up their form after introducing your legitimate I.D....
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Smartmoney Prepaid MasterCard, How To Get One?

The Philippines is among the top Mobile networks thus far. It was launched long decades back. Its capacity has grown considerably from a basic invoice prepaid and payment charge card into a wholly produced global shopping and internet purchasing MasterCard. The card is powered by a single primary lender in the Philippines, the Bangko de Oro, or even BDO and MasterCard global, providing it with international use capacity. SMART Money thus far did not have any close contest with its ability as it isn't a savings account. Nevertheless, it has the capability capacity to behave like you. Currently, G-Cash has been converted into BPI Globe Banko powered by Globe and yet another top lender that the BPI Family banks. SMART Cash is among the Greatest flagships of All Smart Telecommunication One great truth about SMART Money that brings people young or older is the simplicity of obtaining one. Compared with other well-known debit or credit cards, SMART Money is easily made nationally in almost any Smart Telecoms center. Should you pay for a non-personalized card or even one with no name on the surface of the card, or maybe you wait for three to 5 bank days? Should you instead choose the one using a customized name on your card? And to top everything that it is simple to obtain, SMART Money in two simple ways. By getting online via the SMART Money official website: https://www.smart.com.ph/Money/what-is-smart-money or by seeing any Smart Telecoms Tele-centers nationally or provincial divisions. The prerequisites of obtaining SMART Money can also be incredibly lesser when compared to the demands of getting a bank account. No wonder many youthful folks prefer using SMART Money MasterCard within the debit cards or prepaid cards offered by banks globally. Here are the Simple Steps on the way you can quickly get your SMART Money MasterCard: THERE ARE TWO EASY WAYS TO DO THIS: 1). THRU SMART WIRELESS CENTERS NATIONWIDE AND 2). THRU THE SMART-MONEY MAIN PAGE OF SMART TELECOMMUNICATIONS 1). THE FOLLOWING STEPS ARE FOR SMART-WIRELESS CENTERS OFFICES in the Event You PREFER to See SMART COMMUNICATIONS DIRECTLY. You can integrate it along with your SMART-MONEY-CARD. Here is the way you do the initial PROCEDURE. All you Will Need to do is to download it for you to GET or DOWNLOAD your SMART-MONEY-ACCOUNT NUMBER: Your SMART cell phone. By downloading, you get your SMART-MONEY-ACCOUNT NUMBER out. You may also Bypass these Measures if you do not have Some Time. The Team at Bright telecenters can do this process for you if You're Confused about how to perform it. Step 1). ON YOUR SMART CELLPHONE, GO TO TXT MESSAGE, TYPE "MONEY," THEN SEND IT TO 343…WAIT FOR THE REPLY. Step 2). WRITE OR ENTER 6-DIGITS, ANY NUMBER OF YOUR Option, something you can EASILY REMEMBER. THEN "PRESS OK" ON YOUR CP. A DIALOGUE BOX WILL BE DISPLAYED TO SUGGEST YOU LIKE, FOR EXAMPLE, 102985 SO THAT YOU MAY PUT YOUR BIRTHDAY ON THE CELLPHONE WITH THE MESSAGE: "ENTER THE DESIRED W-PIN. " Step 3). Once you have chosen again, THEN WRITE THE 6-DIGITS YOU CHOOSE AS THEY WILL SERVE AS YOUR W-PIN, FOR "SMART-MONEY, then "PRESS OK" ON YOUR CP. (TAKE NOTE OF THESE 6-DIGIT NUMBERS, TRANSACTIONS," AND THEY WILL SERVE AS YOUR "ATM-PIN" FOR YOUR SMART-MONEY-DEBIT CARD AS WELL). Step 4). A DIALOGUE BOX WILL APPEAR; CHOOSE "GET ACCOUNT," THEN PRESS OK ON YOUR CP. Step 5). PRESS OK ON YOUR CP FROM A LIST THAT WILL APPEAR ON YOUR CP SCREEN. SELECT "BDO" (BECAUSE YOUR SMART-MONEY ACCOUNT WILL COME FROM BDO-BANK) Step 6). SAVE THESE NUMBERS; THIS IS THE 16-DIGIT SMART-MONEY ACCOUNT NUMBER YOU NEED. Await THE TXT-MESSAGE FROM SMART MONEY INCORPORATED TO YOUR SMART-MONEY DEBIT CARD. Step 7). Now you can visit any SMART Via INTERNET. All you need to do is see their own OFFICIAL SMART-MONEY ONLINE FORM and then browse all the instructions on the best way to get one. I'll be discussing it anyway. Located in many large malls such as the SMs, Robinsons-Place, and many more places nationally. You can also obtain or purchase SMART-MONEY TELECOMMUNICATIONS, WIRELESS CENTERS, or even OFFICES. Step 8). We'll assume that you opted to visit SMART offices. You informed Wise Customer Support that you'd like to get Smart Money there. They'll provide you with a form to fill up, like every ordinary form from the lender. For kids and students who wish for Smart-Money but do not have TIN and SSS amounts, however, I suggest kids borrow TIN along with SSS figures first. I believe that it's not illegal as your parents would be the ones paying to get your taxes as you're still a student. However, of course, you've got to inform your parents about this. Step 9). You'll be asked if you would like a ready-made or customized card. Or you may inform the Smart Employee what type of card you really desire. What is the distinction? Well, technically speaking, there is no gap. However, the customized one has your name on your Smart Money card and may be maintained for 3 to 5 bank days or routine times – Saturdays and Sundays are omitted. While the cards are ready-made, you can retain them immediately after receiving your receipt. Why? Because to have the ability to utilize it for INTERNET or even ONLINE buying, it must be just like an actual charge card along with your title on it. Online retailers won't accept cards that do not have a Card Account name on them. Thus, inform the Smart-Employee that you want a PERSONALIZE SMART-MONEY card. It is irrelevant if you should have to go back the following several days to maintain the card; then it is all worthwhile. Step 10). Once you fill-up the form, the Sales Associates will ask you to pay for the processing fee and the card Price. As I have asked recently (February 01, 2013), the charge card is currently Ph100 which comprises the card price and the processing charge. A personalized card...
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PSBank Prepaid MasterCard, How To Get One

PSBank, among those well-known banks from the Philippines, is a sister bank firm of Metropolitan Bank or Metro Bank. The mere fact that Metro Bank has been performing banking for extended years is not surprising that PSBank is nearly as complicated as Metrobank. Particularly when it has to do with savings accounts, OFW accounts, not to mention Debit cards. One of the most excellent merchandise offered by PSbank regarding internet shopping for the masses would be the "Prepaid MasterCard." In the name you can undoubtedly differentiate, it is a debit card. The most recent strain of this Prepaid MasterCard offered by PSBank today is certainly more progressive than it was. When prepaid, MasterCard was typically equipped for cashless purchasing online, pubs, hotels, and other institutions that take MasterCard. Plus, they perform that evaluation well, but when it comes to internet shopping, they arrived a little bit short of attributes. But this was gone. The breed of this PSBank Prepaid MasterCard is far more progressive than its predecessors. With the progress of its attributes, you can now use it to buy or pay to the Apple iTunes download or cover your PayPal invoices, which have been a bit hopeless for their first debit card launch. 10 Advantages of PSBank Prepaid Mastercard Debit card Like most other debit cards in the Philippines, Prepaid MasterCard has fantastic benefits. Several individuals think the same with other debit cards, but a few are pretty particular about prepaid cards. Here are some of its advantages: 1). No overspending -- the simple fact that Prepaid MasterCard is a debit card, so you've got the entire charge of your finances. It is possible to load money for your need at a particular time, such as for cashless shopping malls or internet shopping. It is a fantastic benefit that all cards have. So today, you won't fear much if your relative or girlfriend borrows your debit card; at least you know they can't spend more than what you've deposited inside. And that is one benefit that credit cards do not have incidentally. 2 ). It Could be utilized for remittance or disbursement functions -- this particular card may be used for sending cash to your nearest and dearest away from you, including your kids going to school or whether you are working away from these. It is irrelevant if your kids are in a different town or location, high school or school. You can readily devote their monthly or weekly allowance and ship them on time simply by loading their particular PSBank Prepaid MasterCard. So no worries about your family far away from you. Along with also the simple fact that depositing cash on Prepaid MasterCard is just as simple as A-B-C in most PSBank branches nationally. It is no hassle to your valuable time. 3). Withdraw money readily and easily on ATMs nationally -- using this particular charge card, no worries should you run out of money. In the same way as any other bank account card, Prepaid MasterCard may be used to draw money through PSBank, Metrobank, and BancNet ATM nationally. Not just that, it is possible to even withdraw from over a thousand ATMs in over 200 countries worldwide, providing you with 24 hours and seven days of this week entry to your finances at which you might be. And the mere truth is that this particular card is a MasterCard-driven debit card, so you may even draw at any ATMs with the MasterCard Logos everywhere. Not many debit cards or prepaid automobiles include this particular characteristic. A few prepaid cards are offered from other banks that can not be used to draw money. 4). Pay your monthly invoices readily -- Prepaid MasterCard includes a fantastic benefit of paying your yearly electrical, water, telephone, or online invoices through PSBank, BancNet, or Megalink ATM nationally or via PSBank Remote Banking or even e-banking. So today, paying your monthly statements will be as simple as clicking a mouse on your laptop or clicking on a button in an ATM nationwide. No more hassles of filling a shape or completing an infinite line of customers waiting in the banks to cover their invoices. All it requires is to discover the closed ATM system in your area, then click off to pay your invoices or stay home; buy linked to PSBank online solutions to cover your invoice effortlessly via the net. That is what they predict, hassle-free of banking! 5). Stress-free Dining and Cashless Shopping - Prepaid MasterCard offers the fantastic advantage of unlimited cashless shopping in supermarkets, malls, grocery shops, and shops or dining in your favorite restaurants without the probability of spending your budget. It is an entirely stress-free shopping and dining room table. Today you'll feel safe whenever you head outside with friends or loved ones, even if you don't have a lot of money accessible. Load or deposit any cash for a Prepaid MasterCard, then you are OK to go anywhere without worries. And, of course, the safety of knowing the simple fact that you don't need to bring as much money in your pocket each time you head outside with your loved ones members and friends. That is an excellent banking advantage in the palm of the hands! 6). Effortless Online Banking -- Together with the internet banking center of this PSBank, you can now readily assess your financing super fast. Assess the balance and trades of your Prepaid MasterCard at the ease of your home. You will need an easy online connection, after which you are all set. Register your accounts into the PSBank Online Facility, and maintain your credentials, such as the log-in or your password, at a secure location to steer clear of malicious hackers entering your accounts. PSBank's internet center is guaranteed secure and safe, which means that you may be sure that your accounts and financing are almost always closed in their palms. Because it is much safer to transact your funding on a foreign ATM, you can not guarantee...
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BPI My E-Prepaid Debit MasterCard

B.P.I. Family Bank is among the central banks in the Philippines and also one of the earliest banks up to now. They are well-known for various outstanding products, especially savings accounts and charge cards. Among the most incredible products they had released for internet shopping Enthusiast was the My ePrepaid Card. It is a MasterCard-powered Debit card that has been specially created and accounted for internet shoppers, old or young. People from all walks of life significantly admire this product chiefly because of its flexibility, ease of usage, cheap card, and natural by. How easy it is to obtain one that B.P.I. guaranteed 100% acceptance for anybody with a valid I.D. and the payment to get your card price. That's just P500 or about $10 from the time of the writing. It is a Debit card, the same as SMART Money. Shopping facilities, restaurants, pubs, gas pumping stations, and markets, or a set of sneakers you have been waiting for all of your life over the MasterCard. However, this is not just any standard prepaid card. Like the Cinemas and some other institutions that take credit, and that is a purchase for your fantasy web gadgets, purchase the fashion handbag you dream about, thru the net, the same as every CREDIT CARD can perform. Not all, but it is also possible to use the card to buy from retailers online, or it may mimic the purposes of this by purchasing real-time Internet. Smart-Money, additionally, gets the ability and capacity of a genuine charge card. (To know more about PayPal, please click on my Connect. It is accepted. "WHAT IS PAYPAL?") Link here within my Blog website. Thus, giving you a part of the card is that it can be connected to the Internet and takes PayPal payments. Options are online. Since all retailers over the Internet use online payments Key Features of the My ePrepaid Cards: Guaranteed 100% Application Approval No Maintaining Balance You can show it on all websites, app stores, shops, and restaurants online and worldwide, wherever MasterCard® is accepted. Pick the color of your choice, available in Azure & Indigo. Valid for two (2) years Load up to P100,000 through BPI 24/7 Banking or over-the-counter at any B.P.I. and B.P.I. Family Savings Bank branch nationwide. Check your card balance in real-time through text (SMS) or dialing 89-100; press 4 for Prepaid & Gift Card and enter your 16-digit card number. Enjoy exclusive deals & freebies from partner websites and merchants.  Here are the steps on how you can get your own My ePrepaid Cards: A). YOU CAN VISIT ANY BPI, BPI FAMILY, OR BPI EXPRESS BRANCHES NATIONWIDE OR; B). APPLY ONLINE THROUGH: http://www.bpiexpressonline.com/ A). TO ACQUIRE OR APPLY FOR IT THROUGH BPI, BPI FAMILY SAVINGS BANK, OR BPI EXPRESS BRANCHES, HERE ARE THE SIMPLE Actions TO FOLLOW: Step 1.) You have to be quite "SPECIFIC" as B.P.I. Bank has many credit and debit cards. They might get confused with the MASTERCARD as almost all CREDIT cards are powered by MASTERCARD. As you go to the bank or B.P.I. Express Branches, inform them that you want to apply for MasterCard". The title of The product which we're referring to here is your "My E-Prepaid CREDIT CARD so that they may not get confused over the word MASTERCARD. Step 2.) I had my check on the B.P.I. Bank branch listed in Ermita Manila on January 31. You will need to cover a cost of PH500 which comprises the processing fee, the card Price, and the first loading for your card. From the last time I checked, added pesos will proceed right to your card, which you can use for shopping as the first loading of your card. The processing fee is PH150 along with the card price, which is a part of the Ph500 pesos or roughly $10 only. Step 3.) The sales partner from the lender will request a legitimate or valid I.D. out of you. Any valid I.D. will be accepted if it is updated and never expires. Examine the listing below for a number of the valid i.D.s that lenders officially recognize. Other I.D.s might also be considered, but all banks take the listed I.D.s below. Passports, including those issued by foreign governments License to own/Permit to carry a firearm Identification card/Integrated Bar of the Philippines (I.B.P.) identification cards Tax identification card Alien Certificate of Registration (A.C.R.)/Immigrant Certificate of Registration (I.C.R.)/Special Investor Resident Visa (SIRV)/P.R.A. Special Resident Visa (SRRV) O.F.W. identification card Philippine Health Insurance Corporation (PhilHealth) identification card Certification from the National Council for the Welfare of Disabled (NCWDO) Government Office and GOCC identification cards Digitized voter's identification card DSWD Certification Company identification cards issued by private entities or institutions Senior Citizen identification card Barangay certification Professional Regulatory Commission (P.R.C.) Seaman's Book Driver's license N.B.I. Clearance GSIS e-Card/S.S.S. card School I.D. with the latest or updated school registration Police clearance certificate, unexpired Step 4.) After viewing your valid I.D., they will start on their site for their online forms of the product which you want to avail. See attentively the product or the card you will be benefiting from. Search closely for the title of this DEBIT CARD I have mentioned, then notify the Bank Employee of the one you would love to avail. For filling out the form, generally, it is all online. They will be the ones entering the information on the online form. They'll be asked personal questions such as email addresses, birthdays, and other private questions in the state. After the form is filled up, they will print it and provide you the replica of this filled-up form required if you claim you're]"MY E-PREPAID MASTERCARD" after five bank days of filling the form. Step 5.) The lender employee may or may not ask you to pay instantly for your processing fee/charge card price or first deposit. In my experience, I had been requested to spend it on the day I was claiming the card. From the time your Debit Card is...
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