Tag: Business
HotDeals Launches New Rewards Points System: Unlock Exclusive Benefits and Earn Big | National News
LOS ANGELES, Calif. /California Newswire - National News/ -- HotDeals has just unveiled its brand-new HD Membership & Rewards Points system, offering users more opportunities to earn, redeem, and enjoy exclusive perks. With this exciting upgrade, every interaction, purchase, and check-in becomes more rewarding. Whether you're a daily shopper or an occasional user, this system has something for everyone.
FirstClose’s SVP of HR Katie Smith named 2025 HousingWire Woman of Influence | National News
AUSTIN, Texas /California Newswire - National News/ -- FirstClose™, Inc., a leading fintech provider of data and workflow solutions for mortgage and home equity lenders nationwide, announced its Senior Vice President of Human Resources Katie Smith has been named a 2025 HousingWire Woman of Influence. The national award recognizes her exceptional leadership, commitment to company culture and impact on the fintech and mortgage lending industry.
Black Chamber of Arizona Kicks Off Third Impact AZ 2025 Cohort With $100K in Scholarships | National News
PHOENIX, Ariz. /California Newswire - National News/ -- The Black Chamber of Arizona, in partnership with the Millionaire Mastermind Academy, will kick off the third cohort of its signature Impact AZ 2025 business accelerator with a full-day launch event Tuesday, July 8, at the Better Business Bureau Innovation & Event Hub Center in Phoenix.
New Book ‘Rigged: The Misadventures of a Classic Wooden Sailboat’ Chronicles a Lifetime of Maritime Mishaps and Family Memories | National...
VICTORIA, B.C. /California Newswire - National News/ -- Tony Cond, a retired Royal Canadian Navy Marine Systems Engineer and lifelong sailor, shares a collection of personal stories in his new book, "Rigged: The Misadventures of a Classic Wooden Sailboat" (ISBN: 978-1779622808), released June 2025 through Tellwell Publishing. The book captures decades of misadventures, quiet triumphs, and family traditions centered around a classic 1947 wooden boat named Rufus.
The Big Picture July conversations engage experts in mortgage market analytics, housing finance public policy, home ownership growth strategies and capital...
CLEVELAND, Ohio /California Newswire - National News/ -- Top mortgage industry webcast The Big Picture, broadcast live every Thursday at 3 p.m. ET, has unveiled its July guest lineup featuring five impressive leaders who will explore the power of analytics, interpret public policy signals, unpack the barriers to home ownership and deliver pragmatic capital markets perspective. Co-hosted by mortgage business consultant and executive coach Rich Swerbinsky and capital markets authority Rob Chrisman, author of the widely read Chrisman Commentary newsletter, the webcast delivers timely, thought-provoking conversations with mortgage professionals, innovators and thought leaders.
Class Valuation’s Melinda Lesinski named to HousingWire’s 2025 Women of Influence list | National News
TROY, Mich. /California Newswire - National News/ -- Class Valuation, a leading real estate appraisal management company (AMC), announced today that Executive Vice President, Head of Operations Melinda (Mindy) Lesinski has been named to HousingWire's 2025 Women of Influence list. HousingWire's Women of Influence program was launched in 2010 to recognize women making notable contributions to both their businesses and the industry at large, with a specific focus on contributions during the most recent 12 months.
New Book Seeks to Spark Global Movement of Small Business Stewards: ‘Changing the World… Through Small Business Stewardship’ by David Grau...
LEXINGTON, Ky. /California Newswire - National News/ -- In a world captivated by billion-dollar headlines and corporate giants, a new book turns the spotlight to the real engines of economic and social change: small business owners. Bestselling author David Grau Sr., JD, launches his newest and most important work, "Changing the World... Through Small Business Stewardship" (ISBN: 979-8991262996), now available worldwide in paperback and Ebook formats via Amazon and major online distributors.
Cole Engineering Awarded $62M U.S. Army Production Contract for Next-Generation Stinger Training System | National News
ORLANDO, Fla. /California Newswire - National News/ -- Cole Engineering Services, Inc. (CESI), a By Light Company, has been awarded a $62 million production contract by the U.S. Army's Program Executive Office for Simulation, Training, and Instrumentation (PEO STRI) to deliver more than 100 Stinger Training Systems (STS) over the next five years.
Dark Matter Technologies achieves UCDP integration, driving appraisal innovation | National News
JACKSONVILLE, Fla. /California Newswire - National News/ -- Dark Matter Technologies (Dark Matter®), an innovative leader in mortgage technology, today announced it has established an integration with Uniform Collateral Data Portal® (UCDP®), a single portal jointly maintained by Fannie Mae and Freddie Mac (the GSEs). This expansion positions Dark Matter as an early adopter of the technology needed to support the Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign initiative.
American Pygmy Goat Champions Crowned at National Convention | National News
SEATTLE, Wash. /California Newswire - National News/ -- The National Pygmy Goat Association (NPGA) is proud to announce the winners of the 2025 Champion Challenge held in Porterville, California June 20, 2025. Hosted by the Sequoia Pygmy Goat Association, How the West Was Won National Convention brought together the best animals from across the country for a chance to claim the top honor of national champion.
Snappy Launches New Snappy Savers Menu Including Two New Irresistible Appetizer Options | National News
BURLINGTON, Ky. /California Newswire - National News/ -- Looking for crave-worthy comfort food at a price that satisfies your taste buds and your wallet? Snappy Tomato Pizza ("Snappy") is thrilled to announce the introduction of their new Snappy Savers menu - featuring Medium 1-topping pizzas, Cinnabreads, Cheesy Breads, boneless wings, and two NEW appetizers - Mozzarella Sticks and Pepperoni Rolls. The best part? For a limited time, buy two or more for just $6.99 each!
Cisdem Announces AI-Powered Duplicate File Finder with Groundbreaking Accuracy | National News
NEW YORK and HONG KONG /California Newswire - National News/ -- Cisdem, with over a decade of experience in file deduplication software, announces the official launch of Cisdem Duplicate Finder for Windows 4.0.0. This new version introduces an AI-powered file comparison algorithm, increasing accuracy from 99.7% to 100%. The new AI-driven image comparison algorithm enhances similar image detection. This upgrade provides users with a new, lightning-fast deduplication experience.
Dark Matter CEO Sean Dugan named to Inman’s 2025 Best of Finance list | National News
JACKSONVILLE, Fla. /California Newswire - National News/ -- Dark Matter Technologies (Dark Matter®), an innovative leader in mortgage technology, today announced its CEO, Sean Dugan, has been named to Inman's 2025 Best of Finance list. Now in its third year, the award is a prestigious industry recognition honoring professionals in the mortgage and financial services sectors who demonstrate exceptional innovation, influence and impact on the residential real estate ecosystem.
Argyle CEO Shmulik Fishman named to Inman’s 2025 Best of Finance list for second consecutive year | National News
NEW YORK CITY, N.Y. /California Newswire - National News/ -- Argyle, a service provider automating income, employment and asset verifications for some of the largest lenders in the United States, today announced that its founder and CEO Shmulik Fishman has been named one of Inman's 2025 Best of Finance, his second consecutive appearance on the list. Inman's editorial team hand-selects distinguished professionals for their role in driving the mortgage and financial services industries forward through leadership, exceptional service and commitment to innovation.
Inman honors Cloudvirga CEO Maria Moskver with third consecutive Best of Finance award | National News
IRVINE, Calif. /California Newswire - National News/ -- Cloudvirga, a leading provider of digital mortgage point-of-sale platforms, today announced that CEO Maria Moskver has been named to Inman's 2025 Best of Finance list. Moskver has earned a place on the list every year since its creation in 2023, making this her third consecutive recognition.
Argyle expands verification platform to include verification of assets powered by Mastercard open finance technology | National News
NEW YORK CITY, N.Y. /California Newswire - National News/ -- Argyle, a service provider automating income and employment verifications for some of the largest lenders and tenant screening platforms in the United States, today announced the availability of verification of assets powered by Mastercard's open finance technology. The expanded offering enables lenders to confirm borrowers' balances, cash-to-close and cash-flow history alongside income and employment.
Floify’s Sofia Rossato named to Inman’s Best of Finance list for 2025 | National News
BOULDER, Colo. /California Newswire - National News/ -- Floify, the mortgage industry's leading point-of-sale (POS) solution, today announced that Sofia Rossato, its president and general manager, has been named a recipient of Inman's 2025 Best of Finance award. Unlike many awards where leaders are nominated by their companies, this award is managed entirely by the Inman editorial team to recognize leaders driving meaningful change in the lending industry independently.
Sundog Electric LLC Delivers Reliable, Professional Electrical Services with a Focus on Safety and Customer Satisfaction | National News
PRESCOTT, Ariz. /California Newswire - National News/ -- Homeowners and businesses seeking dependable, licensed electrical services are turning to Sundog Electric LLC, a growing electrical contractor known for its skilled workmanship, honest pricing, and commitment to safety. Whether it's panel upgrades, whole-home rewiring, or energy-efficient lighting, Sundog Electric delivers quality electrical solutions backed by exceptional customer care.
MB Metals Scrap Expands Global Reach as Trusted Scrap Metal Supplier Based in Bellevue, WA | National News
BELLEVUE, Wash. /California Newswire - National News/ -- As global industries face rising demands for raw materials and sustainable sourcing, MB Metals Scrap, headquartered in Bellevue, Washington, continues to grow as a premier supplier of ferrous and non-ferrous scrap metal to clients worldwide. With a commitment to integrity, logistics efficiency, and environmental responsibility, MB Metals Scrap provides dependable solutions for recyclers, foundries, mills, and manufacturers across the U.S., Asia, Europe, and beyond.
Disk Drill 6 Launched with Industry-Leading Video Recovery, Next-Gen Backup, and 25% Faster Scans | National News
CLAYMONT, Del. /California Newswire - National News/ -- CleverFiles, the developer of leading data recovery software, announces the release of Disk Drill 6, the newest major version of its recovery solution for Mac and Windows. This update introduces breakthrough innovations, including the Advanced Camera Recovery module for fragmented video recovery, support for Microsoft's ReFS, targeted BitLocker recovery on Mac, and performance improvements that boost scan speeds by up to 25%.
MMI’s Kortney Lane-Schafers Named a 2025 Most Powerful Woman in Fintech by PROGRESS in Lending | National News
SALT LAKE CITY, Utah /California Newswire - National News/ -- MMI (Mobility Market Intelligence), the sole provider of a unified mortgage technology solution for the lending and real estate finance industry, proudly announces that Kortney Lane-Schafers, Vice President of Growth & Client Advocacy, has been recognized as a 2025 Most Powerful Woman in Fintech by PROGRESS in Lending.
Sansone Jr’s Auto Group Expands with Grand Opening of Keyport Kia | National News
KEYPORT, N.J. /California Newswire - National News/ -- Sansone Jr's Auto Group, a trusted name in New Jersey automotive retail for over 40 years, proudly announces the grand opening of its newest dealership - Sansone Jr's Keyport Kia. This exciting expansion marks a new chapter for the family-owned business spanning three generations and underscores its continued commitment to innovation, exceptional customer service, and community engagement.
Class Valuation launches next-generation appraisal review solution designed to enhance compliance and reduce repurchase risk | National News
TROY, Mich. /California Newswire - National News/ -- Class Valuation, a leading real estate appraisal management company (AMC), announced today the launch of Class Valuation Analysis (CVA), a next-generation appraisal review solution engineered to bring greater transparency, compliance and confidence to residential property valuations.
May 2025 Industrial Manufacturing Near March 2025 Levels with 146 New Planned Capital Projects Heading into Summer | National News
JACKSONVILLE, Fla. /California Newswire - National News/ -- Industrial SalesLeads announced today the May 2025 results for its new planned capital project spending report for the Industrial Manufacturing industry. The report reveals a continuation of robust activity. The Firm, which tracks North American planned industrial capital project activity including facility expansions, new plant construction, and significant equipment modernization projects, confirmed 146 new projects in the Industrial Manufacturing sector for May.
Announcing The World Fertility Awards: Celebrating Global Change Agents Advancing Fertility Awareness, Innovation, and Inclusion | National News
NEW YORK, N.Y. /California Newswire - National News/ -- Pregnantish, the first global media platform dedicated to helping people navigate their fertility, announces the inaugural World Fertility Awards at The Times Center in New York City in December. Award nominations are now open at and will be accepted until August 1, 2025. Pregnantish is uniquely positioned to host this event, having reached over one billion globally since inception.
Magan’s HandShield™ Helps Protect Your Skin from Harmful Effects of LED Nail Gel Curing Lamps | National News
DALLAS, Texas /California Newswire - National News/ -- While emerging scientific evidence highlights the heightened cancer risk from exposure to LED nail gel curing lamps, what has been missing is a convenient and effective product to give you greater peace of mind during your mani and pedi. Introducing Magan's HandShield™: a patented*, natural mineral-based spray uniquely designed to help protect skin from the harmful radiation damage caused by LED nail gel curing lamps.
MMI’s Melissa Sike named a 2025 Mortgage Star by Mortgage Women Magazine | National News
SALT LAKE CITY, Utah /California Newswire - National News/ -- MMI (Mobility Market Intelligence), the sole provider of a unified mortgage technology solution for the lending and real estate finance industry, is proud to share that Melissa Sike, Vice President of Enterprise Sales, has been named a 2025 Mortgage Star by Mortgage Women Magazine.
Strategic Benefits Advisors welcomes Andy Clonts as director and senior benefits consultant | National News
ATLANTA, Ga. /California Newswire - National News/ -- Strategic Benefits Advisors, Inc. (SBA) today announced the appointment of Andy Clonts as director and senior benefits consultant. In this role, Clonts will be responsible for driving business growth while leveraging his extensive experience in employee benefits strategy, healthcare navigation and client engagement to deliver tailored solutions to SBA's expanding roster of clients.
Veo 3 vs. Novi AI: The AI Video Generator Content Creators Actually Use | National News
NEW YORK, N.Y. /California Newswire - National News/ -- While Google's latest Veo 3 stuns with cinematic video generation, a growing number of creators are turning to a more accessible and monetizable tool - Novi AI from iMyfone Technology Co., Ltd. Veo 3 represents a bold step forward in AI video capabilities. But for most creators, the cutting edge remains out of reach.
Matrix Advises TBC Corporation on the Sale of Midas International to Mavis Tire | National News
RICHMOND, Va. /California Newswire - National News/ -- Matrix Capital Markets Group, Inc. has advised TBC Corporation on the sale of Midas International, LLC, a franchisor of automotive repair and maintenance services, to Mavis Tire Express Services Corp., a leading provider of automotive repair and maintenance services and one of the largest independent tire and service providers in North America.
PeopleFirst Coaching & Consulting Solutions Launches June 2025 – Taking a Bold Stand Against Workplace Toxicity and Guiding Clients to Greatness...
PITTSBURGH, Pa. /California Newswire - National News/ -- This summer, PeopleFirst Coaching & Consulting Solutions officially opens its doors with a mission to radically shift how individuals navigate toxic workplaces, career crossroads, and life's pivotal transitions. Launching in the season of growth and transformation, PeopleFirstCCS invites professionals, recent grads, and weary professionals alike to take the first step toward reclaiming their voice, their confidence, and their future.
Stack Athlete Named Official College Recruiting Partner of Massachusetts Youth Soccer Association | National News
LANCASTER, Mass. /California Newswire - National News/ -- Massachusetts Youth Soccer Association and Stack Athlete (formerly CaptainU) announced the formation of a strategic partnership in which Stack Athlete is now the Official College Recruiting Partner of Massachusetts Youth Soccer Association. The partnership combines the expertise of both organizations to deliver comprehensive college recruiting strategies and solutions to the youth soccer community throughout the Commonwealth of Massachusetts.
Rowan Innovation Venture Fund Appoints Garden State Venture Partners to Lead Next Phase of Innovation | National News
GLASSBORO, N.J. /California Newswire - National News/ -- Rowan Innovation Venture Fund (RIVF) today announced the appointment of Garden State Venture Partners (GSVP) as its new management team, marking a significant milestone in the fund's evolution. This leadership expansion brings together a seasoned group of investment and institutional professionals to lead the fund into its next phase of innovation and impact.
Autocraft Bodywerks’ New 23,000 sq. ft. Bee Cave | 71 West Location Is Officially Open for Business! | National News
AUSTIN, Texas /California Newswire - National News/ -- Autocraft Bodywerks is proud to announce the opening of its fourth state-of-the-art collision repair center, located on State Highway 71 in Spicewood, Texas. This new 23,000-square-foot facility has achieved I-CAR Gold Class status and is proudly sponsored by BMW of South Austin and Audi of South Austin, as it works toward becoming the only BMW and Audi-certified collision repair center in the area. The company's expanded footprint, led by Manager Robbie Mulderrig will better serve customers in West Austin, Westlake, Bee Cave, Lakeway, Spicewood, and the surrounding communities.
Haier TV and Total Sonics Announce Addition of Award-Winning Total Cal Auto Calibration Technology to Next Generation of Haier TVs |...
MILFORD, Mass. /California Newswire - National News/ -- Total Sonics® (a division of THAT Corporation®) is very pleased to announce they've come to agreement with global CE powerhouse Haier Multimedia on licensing Total Cal®, their innovative automatic room calibration system. Total Cal's groundbreaking approach both simplifies the room calibration process for consumers and keeps costs down for manufacturers.
Zeteo Biomedical Secures Global Patents for Nasal and Ophthalmic Drug Delivery Device Innovations | National News
CEDAR PARK, Texas /California Newswire - National News/ -- Zeteo Biomedical, a privately held biomedical device company, today announced the issuance of new patents in the United States and European Union for its advanced drug delivery technologies. The patents, titled "Cartridge Devices for Administration of a Medicament" (U.S. Patent No. 12329949) and "Hand-Operated Devices for Administration of a Medicament" (EU Patent No. 3946526), further strengthen Zeteo's ZTech™ delivery platform portfolio for the administration of drugs and biologics via nasal, ophthalmic, and sublingual routes.
Argyle-nCino integration garners industry accolades for reshaping VOIE workflows | National News
NEW YORK CITY, N.Y. /California Newswire - National News/ -- Argyle, a service provider automating income and employment verifications for some of the largest lenders in the United States, today announced that its integration with nCino, a leading provider of intelligent, best-in-class banking and mortgage solutions, has been honored with PROGRESS in Lending's 2025 Connections Award. The award celebrates transformative partnerships and integrations reshaping the mortgage industry through greater efficiency, innovation and collaboration.
RSI & Associates, Inc. Announces Limited Use of Artificial Intelligence (AI) in Business Valuations | National News
CORPUS CHRISTI, Texas /California Newswire - National News/ -- RSI & Associates, Inc., a leading provider of business valuation, feasibility studies and consulting services, today announced a policy of limited and careful application of Artificial Intelligence (AI) in the preparation and analysis of business valuations. This decision is driven by the firm's commitment to maintaining the highest standards of accuracy, reliability, and ethical conduct in its valuation practice, particularly in light of current legal, regulatory, and ethical uncertainties surrounding the use of AI in financial analysis.
Equipment Upgrades Drive the Food and Beverage New Industrial Planned Projects Growth in May 2025 | National News
JACKSONVILLE, Fla. /California Newswire - National News/ -- Industrial SalesLeads released its May 2025 report on new planned capital project spending within the Food and Beverage industry. The Firm monitors planned industrial activity across North America, including facility expansions, new plant construction, and major equipment modernization projects. Research for the month confirms 43 new projects in the Food and Beverage sector, with equipment upgrades leading the way.
Floify’s Sofia Rossato named to Progress in Lending’s 2025 most powerful women in fintech list | National News
BOULDER, Colo. /California Newswire - National News/ -- Floify, the mortgage industry's leading point-of-sale (POS) solution, today announced that its president and general manager, Sofia Rossato, has received the 2025 Most Powerful Women in FinTech award from Progress in Lending (PIL). The PIL award is a prestigious, annual recognition celebrating professionals who are innovating, optimizing processes and shaping the future of mortgage finance and broader financial services.
Dark Matter Technologies adds side-by-side results comparison and automated, rules-based reviews to dual AUS feature in the Empower LOS | National...
JACKSONVILLE, Fla. /California Newswire - National News/ -- Dark Matter Technologies (Dark Matter®), an innovative leader in mortgage technology, today announced enhancements to the dual automated underwriting system (AUS) submission feature within the Empower® loan origination system (LOS). When users submit loan data simultaneously to the AUS for both Freddie Mac and Fannie Mae (the government-sponsored enterprises, or GSEs), the Empower LOS will now display the GSEs' respective AUS findings side by side along with rules-based loan recommendations powered by the AIVA® Rules engine.
Author Scott Liebler offers help for these stressful times with ‘The Chill Pill Prescription: Turns Stress to Strength’ | National News
EVERGREEN, Colo. /California Newswire - National News/ -- With the publication of "The Chill Pill Prescription" (IBSN: 978-09982764270), author Scott Liebler synthesizes more than 35 years of successful experience helping people of all ages to better manage their response to stress. His book offers a four-step, martial arts calming technique paired with a three-step processing procedure that, together, transform stress into strength. Interwoven with the instruction is a very personal story from Liebler's own life, which makes the book a more powerful read than one might expect.
Optimal Blue Releases May Data Findings, Announces Expansion of Monthly Report for More Comprehensive Lender Profitability Insights | National News
PLANO, Texas /California Newswire - National News/ -- Optimal Blue today released the May 2025 edition of its now-expanded Market Advantage mortgage data report, which features newly added borrower profile and capital market datasets for a more comprehensive picture of early-stage mortgage activity and loan profitability. The enhancements come at a critical time for mortgage lenders navigating heightened interest rates, tighter margins, increased volatility and deepening affordability challenges.
Legacy Wealth Advisors has once again been named to the Forbes Best-in-State Wealth Management Teams list for 2025 | National News
WARRENVILLE, Ill. /California Newswire - National News/ -- Raymond James Financial Services is pleased to announce that Legacy Wealth Advisors has once again been named to the Forbes Best-in-State Wealth Management Teams list for 2025, marking 3 straight years of recognition in this prestigious national ranking.
iEmergent honored with PROGRESS in Lending’s 2025 Connections Award | National News
DES MOINES, Iowa /California Newswire - National News/ -- iEmergent, a forecasting and advisory services firm for the financial services, mortgage and real estate industries, today announced its selection as a recipient of PROGRESS in Lending's 2025 Connections Award. The recognition honors iEmergent's instrumental role in CONVERGENCE Columbus, a cross-sector initiative led by the Mortgage Bankers Association (MBA) to close the racial homeownership gap in Central Ohio.
Cloudvirga honored with PROGRESS in Lending’s 2025 Connections Award | National News
IRVINE, Calif. /California Newswire - National News/ -- Cloudvirga, a leading provider of digital mortgage point-of-sale platforms, today announced it has been named a recipient of PROGRESS in Lending's 2025 Connections Award. The award honors strategic partnerships and integrations that are reshaping the mortgage industry by advancing efficiency, innovation, and collaboration.
Optimal Blue Launches New Lead Generation Tool for Originators | National News
PLANO, Texas /California Newswire - National News/ -- Optimal Blue today announced a new product that helps originators efficiently track and identify refinance opportunities so they can reengage borrowers with eligible refinance options at the right time. Available to Optimal Blue PPE users, Capture for Originators dramatically reduces the manual effort loan officers currently spend evaluating refinance potential by automatically analyzing entire portfolios each month and putting recapture opportunities directly into originators' hands.
Atlas Door Repair Expands 24/7 Emergency Services to Serve Commercial Centers Across Florida and Illinois | National News
LAKELAND, Fla. /California Newswire - National News/ -- Atlas Door Repair, a leader in commercial automatic and sliding door repair, announced its 24/7 emergency services across three key markets: Plainfield, Illinois; Lakeland, Florida; and Interlachen, Florida. This move strengthens the company's ability to provide rapid-response door repair for businesses in fast-growing commercial zones that have historically lacked qualified specialists.
InfoComm 2025 in Orlando and Kiosk Association | National News
ORLANDO, Fla. /California Newswire - National News/ -- Come see the Kiosk Association in booth 3489 (InfoComm site). Digital signage software and outdoor smart city wayfinding highlighted along with conversational AI hardware and a self-order kiosk. The "big" demo is a dual 75-inch outdoor smart city kiosk. New digital signage software for multiple platforms and "pixel-perfect" creation on display. We are an association of over 50 companies and 700 listed companies with US, Europe, and Asia chapters.
Mooresville Ford Earns Prestigious President’s Award for Third Consecutive Year | National News
MOORESVILLE, N.C. /California Newswire - National News/ -- Mooresville Ford is proud to announce it has once again received the Ford President's Award, marking the third consecutive year the dealership has earned this distinguished title. Mooresville Ford is the only Ford dealership in the region to receive this award three years in a row, a testament to its unwavering commitment to customer satisfaction and operational excellence.
