Tag: Product Launches News - Page 4
Avenu Insights & Analytics Launches Cloud-based Unclaimed Property Management Solution – Avenu | Connect
CENTREVILLE, Va., March 16, 2023 (SEND2PRESS NEWSWIRE) -- Avenu Insights & Analytics (Avenu) is pleased to announce the nationwide launch of its latest Unclaimed Property solution, Avenu | Connect, designed specifically for State governments. This state-of-the-art SaaS solution integrates over 15 important applications used by State Unclaimed Property offices into a single, secure, and comprehensive platform.
RMS announces California Lottery could offer its first game option for SuperLotto Plus, Powerball, and/or Mega Millions, increasing funding for schools
SACRAMENTO, Calif. /California Newswire/ -- Relationship Marketing Systems, LLC ("RMS") is pleased to announce that its patented option for jackpot draw games has been submitted for approval to the California Lottery. If adopted, it would be California's first draw game add-on option. Currently, California has no game options due to the state's pari-mutuel statutes. Additionally, California would be the first state in the nation to offer this add-on, which has received high favorability among players.
The Efficiency Journal – designed by world-renowned neuroscientists to help get results
TORONTO, Ontario, Canada, March 13, 2023 (SEND2PRESS NEWSWIRE) -- Renowned life coach and psychotherapist Misha Saidov has created a system that can help you become the hero of your own life. Such promises have been made by others in the past. However, Misha Saidov's latest project, "The Efficiency Journal" (IBSN: 978-0228887645; Released February, 2023) sets itself apart.
Olea Kiosks Launches Quick Ship Program for its Popular Kiosk, Austin Model
LOS ANGELES, Calif. /California Newswire/ -- Olea Kiosks®, the fastest growing provider of self-service kiosk solutions, has announced the launch of its new Quick Ship Program for its most popular model, the Austin kiosk. This program is designed to provide customers with a fast and efficient way to receive their most optimal kiosk, with a delivery time of just 4 weeks.
108-Year-Old Tulsa Race Massacre Survivor Viola Ford Fletcher Turns to Literary Activism to Seek Justice, Making History as Oldest Woman in...
NEW YORK, N.Y., March 9, 2023 (SEND2PRESS NEWSWIRE) -- Mocha Media Inc is honored to announce the publication of "DON'T LET THEM BURY MY STORY, The Oldest Living Survivor of the Tulsa Race Massacre In Her Own Words" (Hardcover; On Sale: May 30, 2023; $29.99; ISBN: 978-1737168409) by Viola Ford Fletcher with her grandson Ike Howard on the 102nd Anniversary of the event that caused the single worst incident of racial violence in the history of the United States.
MMI Announces Launch of ‘Mortgage Industry Benchmarks’ Report
SALT LAKE CITY, Utah, March 9, 2023 (SEND2PRESS NEWSWIRE) -- Mobility Market Intelligence (MMI), a leader in data intelligence and market insight tools for the mortgage and real estate industries, announced the launch of the "Mortgage Industry Benchmarks" report, a monthly newsletter compiling lender and loan officer (LO) production data and trends to facilitate peer-to-peer comparison.
San Francisco-based Mytc.ai Launches AI-Powered Transaction Coordination Service for Real Estate Agents
SAN FRANCISCO, Calif. /California Newswire/ -- Mytc.ai™ has officially launched its revolutionary subscription-based transaction coordination service for real estate agents in California. By blending expert licensed transaction coordinators with cutting-edge artificial intelligence (AI) technology, Mytc.ai offers a cost-effective solution that saves agents up to 60% on transaction coordination costs.
A Timely Innovation that Forever Changes Cleaning Industry
CLEVELAND, Ohio, Feb. 23, 2023 (SEND2PRESS NEWSWIRE) -- MicroShield 360 has expanded their product offering to include MicroShield 360 Pure, an all-natural approach to cleaning and disinfection. The on-site machines utilize nothing more than salt, water and electricity to produce unlimited amounts of six different cleaning and disinfecting chemicals entirely on-demand.
LenderLogix launches LiteSpeed point of sale system to address the needs of small to mid-sized mortgage lenders
BUFFALO, N.Y., Feb. 22, 2023 (SEND2PRESS NEWSWIRE) -- LenderLogix, a leading provider of mortgage automation software and application programming interfaces (APIs), today announced the launch of LiteSpeed, a streamlined point-of-sale (POS) system designed for small to mid-sized lenders. LiteSpeed delivers lenders the essential POS functionality they need to compete in today's digitally-driven market at a lower cost and without significant investment in the implementation and internal support larger platforms require.
The Dillinger Escape Plan’s Ben Weinman Has a New Course on How to Make a Living in Art Without Making Compromises
BROOKLYN, N.Y., Feb. 21, 2023 (SEND2PRESS NEWSWIRE) -- Online music learning platform Soundfly has released a brand new course with Ben Weinman, guitarist, songwriter, and founding member of The Dillinger Escape Plan, on the business of making art without compromising one's values or integrity. The Business of Uncompromising Art is a course like no other, and musicians of all types can find it today in Soundly's digital library of creative music courses.
‘Behold I am coming soon! Just a matter of time! Keep looking up!’ – messages from F. Dumanjug’s debut book
PERTH, Australia, Feb. 14, 2023 (SEND2PRESS NEWSWIRE) -- F. Dumanjug felt a strong calling to write during Australia's extensive lockdowns. As someone who did not have a prior interest in being an author, she began to question herself. However, F. Dumanjug states that God spoke and said, "This book, I will make it happen, and it will be done." Several months later, born out of her personal journals "To Listen of the Lord's Jesus Christ Voice, Holy Spirit" (ISBN: 978-0228885740; Jan. 2023) came to life.
The Power of Sound to Heal: #1 hit book spreads awareness about how voice and sound therapy can improve health and...
MONTREAL, Quebec, Canada, Feb. 13, 2023 (SEND2PRESS NEWSWIRE) -- Sound Therapy expert Dr. Shelley Snow is launching her new book, "The Power of Sound to Heal" (IBSN 978-0228876915; June, 2022); the book hit #1 for 3 days in a row on Amazon's KDP charts. It introduces new audiences to the emerging fields of Sound Therapy and Sound Healing. "The Power of Sound to Heal" contains easy-to-learn tools that use sound to promote mental and physical health.
MonitorBase Launches Instant Inquiry Alerts to Help Lenders Capture More Opportunities
MURRAY, Utah, Feb. 7, 2023 (SEND2PRESS NEWSWIRE) -- MonitorBase, a mortgage fintech company that monitors prescreened credit information and real-time behavioral data to alert lenders when one of their contacts is in the market to purchase or refinance a home, today announced the launch of instant credit inquiry alerts for their mortgage lender clients.
Houston Music Educator-Pianist Melvin Johnson Journeys to New Heights Through Family Wisdom in Debut ‘Little Red Wagon’
HOUSTON, Texas, Feb. 6, 2023 (SEND2PRESS NEWSWIRE) -- On February 17, 2023, Houston, Texas pianist/composer Melvin Johnson will offer a gift to the world with his debut album, "Little Red Wagon," overflowing with musical narratives on family love and the life lessons they provide. Johnson, who once thought of himself as only a live performer, found a unique hunger for recording and production during COVID lockdown.
Start a PR Social Flurry: Send2Press Enhances its ‘Social Flurry’ Program to Further Amplify News Reach through Grassroots Social Share
TEMECULA, Calif. /California Newswire/ -- Send2Press, a newswire service of Neotrope, launched in 2000, announced today an expansion of its "Social Flurry" news amplification tools. Send2Press began promoting client news content via social media in 2005, with the nascent launch of the original social sites. Its Social Flurry℠ program helps clients engage staff, friends, and clients to amplify reach of news announcements onto a larger social footprint, at zero cost.
To Help Fight Vaping in Schools and Business, Vape Detector introduces a line of solutions that detect vape smoke from glycerin,...
LOS ANGELES, Calif. /California Newswire/ -- Vape Detector, a Californian brand, has announced the launch of its line of Vape Detectors for schools, hotels, businesses, and parents. The growing popularity of vaping among young people has made it increasingly difficult for schools and workplaces to enforce policies against it. Vape Detector™ is a trademarked brand of Forensics Detectors which is a leading gas detection company located in Los Angeles.
New Knoxville aesthetics and wellness spa provides an all-inclusive experience
KNOXVILLE, Tenn., Jan. 31, 2023 (SEND2PRESS NEWSWIRE) -- Culture Aesthetics & Wellness, a new med spa located in the Farragut community, has recently opened its doors with a mission to offer the people of Knoxville and East Tennessee a true, all-inclusive experience, owners say. It's been a labor of love, but the practice established its sophisticated, state-of-the-art facility off Concord Road followed by the launch of its cutting-edge website, all to rave reviews from an eager client-base.
Bash Foo Moves from Marketing to Sales Enablement
DAYTON, Ohio, Jan. 31, 2023 (SEND2PRESS NEWSWIRE) -- Bash Foo, specializing in web design, SEO, creative services, and digital marketing, announced today the introduction of Fractional CMO and Sales Enablement to its popular service offerings. The new services augment and highlight Bash Foo's continued expansion, enhancing its clients' sales and revenue goals.
Children’s book author Diana Aleksandrova turns her struggles to become pregnant into children’s book bringing solace and hope to others
LAS VEGAS, Nev., Jan. 30, 2023 (SEND2PRESS NEWSWIRE) -- Diana Aleksandrova has always wanted to be a mom, but after years of trying to become pregnant, that dream hasn't come true yet. Inspired by her struggles and the legend about the storks bringing the babies, she writes "The Lazy Stork" (ISBN: 978-1953118264; May 2023; Dedoni).
EnergyCAP expands offering to include financial-grade carbon accounting
BOALSBURG, Pa., Jan. 24, 2023 (SEND2PRESS NEWSWIRE) -- EnergyCAP, a leading provider of energy and sustainability enterprise resource planning (ERP) software, today announced the launch of CarbonHub, a new solution that offers financial-grade carbon accounting and sustainability reporting.
The BioBuilder Educational Foundation Initiates Plan to Train Bioeconomy Workforce
NEWTON, Mass., Jan. 24, 2023 (SEND2PRESS NEWSWIRE) -- The BioBuilder Educational Foundation, Inc. ("BioBuilder"), which has a decade of empowering teachers and schools to bring synthetic biology education to school districts in 47 states, today announced its launch of a strategic planning process designed to grow the bioeconomy workforce at scale in urban, rural, and tribal communities.
Soul Carrier Releases Limited Football Leather Handbag Collection at Phoenix Luxury Resorts
SCOTTSDALE, Ariz., Jan. 24, 2023 (SEND2PRESS NEWSWIRE) -- As Phoenix hotels and resorts prepare for the influx of guests attending the Professional Football Championship Game in February, fashion-conscious visitors who love football are sure to get excited about Soul Carrier's new football leather handbag collection.
NEW PRODUCT LAUNCH: Pharmaceutical Strategies Group (PSG) Announces Artemetrx Extend – Revolutionary Drug Management Reporting Tool Offers Powerful User Insights
DALLAS, Texas, Jan. 23, 2023 (SEND2PRESS NEWSWIRE) -- Artemetrx®, the industry's most preeminent platform for integrated drug cost management, is now even more robust with the launch of its new module, Artemetrx Extend™. With greater insights and analytics, Artemetrx Extend is a custom reporting tool that provides unparalleled data access through its user-friendly platform.
Red Lite Gym launches new fitness concept
BENTONVILLEE, Ark., Jan. 20, 2023 (SEND2PRESS NEWSWIRE) -- Red Lite Gym in Bentonville introduces a new fitness concept that combines a personalized boutique gym experience with cutting edge red light therapy body contouring treatments. Started operation on August 1, 2022, Red Lite Gym uses the only FDA-cleared red light therapy body sculpting wrap in the U.S.
Nina G, famous stuttering comedian, records debut solo album and live show at the Alameda Comedy Club
OAKLAND, Calif. /California Newswire/ -- Thirteen years ago, Nina G made her debut as the first stuttering female comedian. Since then, she's challenged the status quo of how people who stutter are perceived - onstage and off. So, in an industry that lacks speech diversity, Nina G's unique voice will record both her first solo comedy album and comedy special on March 9, 2023 at the Alameda Comedy Club located in her hometown. The album is projected to come out later in the spring on the Punchline Records label with the comedy special to follow.
Activist Writer Homa Pourasgari Exposes Inhumane Slaughter of Dolphins in New Book, ‘The American Outsider’
LOS ANGELES, Calif. /California Newswire/ -- Linbrook Press announces a new novel, "The American Outsider" (ISBN: 978-0977978038), authored by Homa Pourasgari, scheduled to be released January 23, 2023. It's a story about the inhumane slaughter and torture of dolphins in Taiji, Japan, and addresses the complex nature of the Japanese culture. It's written for anyone who cares about animal welfare and who hopes to make a difference.
Sisters-in-Crime Los Angeles (SinC/LA) debuts new mystery anthology, ‘ENTERTAINMENT TO DIE FOR’
LOS ANGELES, Calif. /California Newswire/ -- Sisters in Crime Los Angeles (SinC/LA) has announced the release of their new anthology, "Entertainment to Die For" (ISBN: 978-1970181388), with an introduction by award-winning novelist Sara Paretsky. Contributors to SinC/LA's "Entertainment to Die For" include a lineup of mystery writers from southern California, Arizona, and Hawaii.
BlueStone Advisors Announces Launch of its Lithium-Ion Battery Insurance Captive
CHICAGO, Ill., Jan. 17, 2023 (SEND2PRESS NEWSWIRE) -- BlueStone Advisors, a specialty commercial insurance brokerage firm, announced today the launch of their BlueStone Lithium-Ion Battery Captive to help advanced battery companies manage their insurance costs and offer a broader policy with comprehensive and consistent coverage terms.
Come grow with us as Triple Finale’s Short Story Audiobook Authors create fast moving storylines with a triple-ending twist
REDMOND, Wash., Jan. 11, 2023 (SEND2PRESS NEWSWIRE) -- Triple Finale L.L.C. has added an exhilarating twist to short stories as a form of entertainment, by developing a virtual platform for fast-paced trilogies. We offer an audiobook/eBook marketplace platform where individuals sell their triple-ending short stories online to generate extra income.
EaseText launched Audio to Text Converter to easily transcribe audio to text offline on PC
NEW YORK, N.Y., Jan. 10, 2023 (SEND2PRESS NEWSWIRE) -- It is with great enthusiasm that EaseText, the world-leading creativity software company, announces the launch of EaseText Audio to Text Converter, the latest iteration of their award-winning speech to text transcription software. With EaseText Audio to Text Converter, users can convert and transcribe audio to text offline on computer with ease.
The SHE LAB™ announces the launch of Insight Salons – a new and faster way for brands to unearth actionable insights...
MIAMI, Fla., Jan. 9, 2023 (SEND2PRESS NEWSWIRE) -- Insight Salons offer a new way for brands to gain insights quickly from women consumers. The SHE LAB has curated a proprietary panel of women representing a myriad of voices and points of view across the U.S., and is making them available to brands and insight managers in bi-weekly showcases, called Insight Salons.
HitPaw Announces Release of HitPaw PicCutout App V1.0.0 for iOS to Auto Remove and Change Background Precisely
NEW YORK, N.Y., Jan. 9, 2023 (SEND2PRESS NEWSWIRE) -- HitPaw has newly released HitPaw PicCutout App for iOS V1.0.0 which can precisely and easily remove background from image, change background and resize image for E-commerce, social media, or other use with massive background templates. Please don't hesitate to personalize your images with HitPaw PicCutout APP.
Author and Entrepreneur Tam MacPhee launches a new book and podcast
HALIFAX, Nova Scotia, Canada, Jan. 3, 2023 (SEND2PRESS NEWSWIRE) -- Entrepreneur and author Tam MacPhee bares her soul in "From Under A Rock" (ISBN: 978-0228876076; Nov., 2022), a heartfelt memoir with which she shares her deepest memories. The book is already a hit, reaching the Amazon Best Sellers rank of #66 in Women's Biographies on the Kindle Store. The ambitious author has also launched a new podcast and continues to offer life coaching services.
Surf is definitely up in Stefan Piccione’s new children’s book
MYSTIC, Conn., Jan. 3, 2023 (SEND2PRESS NEWSWIRE) -- "The Surfing Mouse" (ISBN: 978-0228872313; Oct., 2022) is a new children's story about a brave young mouse who overcomes his fear of surfing big waves. Everyone's afraid of something, which is why author Stefan Piccione wanted to show audiences how determination, strength, and a strong belief in yourself can help you overcome your fears and achieve your goals.
Legacy Launch Pad Releases Hybrid Family Memoir & Political Science Book That Warns Against Political Polarization
LOS ANGELES, Calif. /California Newswire/ -- Legacy Launch Pad Publishing is proud to release "Addictive Ideologies: Finding Meaning and Agency when Politics Fail You" (ISBN: 978-1956955491 (ebook); 978-1956955477 (paperback), 978-1956955484 (hardback)) the first book by life partners Dr. Emily Bashah and former Phoenix, Arizona mayor Paul E. Johnson.
The Pocket Queen Launches a Uniquely Modern Drumming, Production, and Branding Course on Soundfly
BROOKLYN, N.Y., Dec. 14, 2022 (SEND2PRESS NEWSWIRE) -- Soundfly's newest online course, "The Pocket Queen: Moving at Your Own Tempo," is out today as part of the platform's digital subscription library. This course, led by drummer, producer, and viral content creator, Taylor Gordon, aka The Pocket Queen, teaches modern rhythm and drumming concepts and music production, as well as strategies for finding one's authentic creative self.
Author Dolores F. Kurzeka Honored by Her Family, Who Published Her Book, ‘Our Walk with Grandma’ After Her Passing
MURRIETA, Calif. /California Newswire/ -- The family of author Dolores F. Kurzeka is thrilled to announce the release of "Our Walk with Grandma" (ISBN: 978-1039145450, FriesenPress), her long-awaited children's picture book about the beauty of family and nature. Written 20 years ago, Kurzeka was unable to find an illustrator before her passing. Her children continued the search and found the perfect illustrator Nichole Monahan, and brought the book to market to make their mom's dream of publication come true.
HitPaw Photo Enhancer App V1.0.0 Released: An Incredible New AI Face Enhancer and Photo Animator
NEW YORK, N.Y., Dec. 8, 2022 (SEND2PRESS NEWSWIRE) -- HitPaw has newly released HitPaw Photo Enhancer App V1.0.0 which has been improved with an advanced AI algorithm to help you directly enhance the photos shot on your Android device. It has several AI tools to beautify your photos: a face-repairing tool to upscale and unblur your portraits, and use a colorizing tool to fix your old photos and make them brand new again.
Ketolicious Kitchens Launches Keto Mexican Comfort Food Product Line
GILBERT, Ariz., Dec. 5, 2022 (SEND2PRESS NEWSWIRE) -- Ketolicious Kitchens recently launched a new brand - Sonora™ - that caters to the Keto and low-carb lifestyle, specifically those looking for authentic Mexican fare. Founded by Lupita Aguilera Hicks, she shares that the basis of her product line all started at home. Some of her family members experienced serious complications from heart disease and diabetes and she even observed close friends who died from related complications from the disease.
Designer John Robert Wiltgen Beats the Odds: ‘The Candy in My Pocket’ – An Inspirational Memoir About Designing Your Best Life
CHICAGO, Ill., Dec. 2, 2022 (SEND2PRESS NEWSWIRE) -- With holiday shopping just around the corner, John Robert Wiltgen's riveting memoir "The Candy in My Pocket" (ISBN: 979-8986007007), is now available for the gift giving season. As a type 1 diabetic for more than 55 years, Wiltgen has been a successful business owner and now author whose memoir describes his journey of finding joy and success amidst a life riddled with obstacles and despair due to insulin-dependent diabetes.
New Book, ‘The Power of the Pen,’ Gives Insights into the World of Handwriting Analysis
SEATTLE, Wash., Dec. 1, 2022 (SEND2PRESS NEWSWIRE) -- With its first-ever published book, "The Power of the Pen: from the unconscious to the conscious" (ISBN: 978-1970181340), The American Handwriting Analysis Foundation (AHAF) showcases 23 unique perspectives on handwriting analysis and its modern uses. Each essay is penned by a respected handwriting analyst and explores topics such as handwriting research in the digital age, human resources, the effects of medication on handwriting, genealogy, deception, signature analysis, psychology, and so much more.
Achieving Life Satisfaction Is Our Ultimate Goal – Personal Development Writer, Jonathan J. Woolverton, Releases Inspiring Book On Finding Purpose
OTTAWA, Ontario /California Newswire/ -- An inspiring story about finding your purpose and achieving happiness by tapping into three spheres: personal growth, family values, and career focus, "For A Better Chance At Life: Achieving Life Satisfaction" (ISBN: 978-0228880103; Tellwell Publishing) is a personal development novel by author Jonathan J. Woolverton.
Maxwell CPA Review provides online CPA courses to prepare students for the U.S. CPA exams
ORLANDO, Fla., Nov. 22, 2022 (SEND2PRESS NEWSWIRE) -- A new exam-prep company is helping students to pass the U.S. CPA exams in droves. Maxwell CPA Review was founded by Kyle Ashcraft, CPA and provides online CPA courses to prepare students for the U.S. CPA exams. Kyle passed all four CPA exams with a 90 and above, in only six months. Now he works to equip students with the same tools that prepared him for his exams.
MCT Launches BAMCO, a Co-issue Loan Sale Marketplace for Finance Industry
SAN DIEGO, Calif. /California Newswire/ -- Mortgage Capital Trading, Inc. (MCT®), a leading mortgage hedge advisory and secondary marketing software firm, announced the release of BAMCO, a new marketplace for co-issue loan sales. Co-issue loan sales, also known as flow-based mortgage servicing rights (MSR) sales, are a three-way transaction involving the sale of loans to one of the agencies with a simultaneous sale of the MSRs to a separate third party.
Azarus.io Launches Sponsored ‘Play and Earn’ Overlay Games to Streams with Themed Trivia
SAN FRANCISCO, Calif. /California Newswire/ -- Azarus has expanded its reach as the pioneer of livestreaming interactivity with a new Overlay Games platform allowing streamers to play along with their fans live and earn rewards. Founded in 2018, Azarus is rolling out an upgrade to its Overlay Games platform to enable streamers and brands to activate massive live audiences through Overlay Games on any streaming platform.
In ‘Last Chance’ a rocket full of misfits hurls towards a new planet, as toilet humor is thrust into the outer...
SYDNEY, New South Wales, Nov. 15, 2022 (SEND2PRESS NEWSWIRE) -- "Last Chance: A Future Apocalypse Caught in a Trilogy" by Darren E. Watling (ISBN: 978-0228882879; released Oct., 2022) is a quirky look at earth's final hours. The best and brightest are sent to colonize a more stable planet as earth meets its untimely demise. However a Plan B rocket contains a motley crew who could be described as "wildcards" at best.
RocketRoof Announces Their One-of-A-Kind Results Guaranteed Marketing Solution for Roofing Contractors and Other Home Services Professionals
FORT LAUDERDALE, Fla., Nov. 7, 2022 (SEND2PRESS NEWSWIRE) -- Today, RocketRoof announced much to the dismay of traditional marketing companies that lead selling is over. RocketRoof's one-of-a-kind comprehensive marketing solution enables owners of roofing and other home service businesses to receive qualified appointments with exclusive homeowners in the company's local area of business.
Todd-versations Lunchtime Heroes: Shining a light on School Nutrition and the ‘Lunchtime Heroes’ that make it happen
BAKERSFIELD, Calif. /California Newswire/ -- Todd Linsky Consulting (TLC) announced today: TLC-Todd-versations, in collaboration with the Chef Ann Foundation, brings you stories from across our great country on positive changes to the school nutrition landscape, "Todd-versations Lunchtime Heroes."
Destin’s New Gourmet Market: AJ’s Rocking L Specialty Meats and Gourmet Market
DESTIN, Fla., Nov. 2, 2022 (SEND2PRESS NEWSWIRE) -- Alan Laird, owner of four of AJ's restaurants along Florida's Gulf Coast, is excited to announce his latest business concept to join the AJ family. From reef to range, AJ's Rocking L - Specialty Meats and Gourmet Market is Destin's only privately-owned specialty meat and gourmet market. It's now open in the heart of Destin at Shoreline Village Mall at 872 Highway 98 E. Unit #19 and features grass-fed black angus and Wagyu beef.
Click n’ Close launches proprietary SmartBuy loan suite to provide low- and moderate-income homebuyers with more affordable mortgage options
ADDISON, Texas, Nov. 2, 2022 (SEND2PRESS NEWSWIRE) -- Click n' Close, a multi-state mortgage lender serving consumers and mortgage originators through its wholesale and correspondent channels, announces it has launched SmartBuy, a suite of loan programs designed to give low and moderate-income (LMI) homebuyers an advantage in today's heightened mortgage interest rate environment.