Tag: software
Optimal Blue Brings AI-Powered Originator Assistant to Market, Helping Originators Present Best Possible Loan Options to Borrowers | National News
PLANO, Texas /California Newswire - National News/ -- Optimal Blue today announced the general availability of Originator Assistant, a powerful addition to the Optimal Blue PPE. Leveraging generative AI, Originator Assistant eliminates human bias in the loan structuring process and helps originators identify all options for a borrower, providing more ways to help consumers realize the American dream of homeownership.
Cloudvirga launches Tropos, a modern borrower portal built for the future of digital lending | National News
IRVINE, Calif. /California Newswire - National News/ -- Cloudvirga, a Stewart-owned provider of digital point-of-sale platforms for lenders, today announced the launch of Tropos, a next-generation borrower portal that will empower lenders to deliver personalized, intuitive digital experiences from initial application through clear-to-close. Designed with the flexibility to support a variety of consumer lending products, Tropos enhances Cloudvirga's POS ecosystem with a modular, customer-first solution that helps lenders drive engagement, reduce time to close and establish lasting borrower relationships.
Celebrate Pokémon GO Fest 2025 with MocPOGO – Your Essential Pokémon GO Spoofer, Up to 50% OFF | National News
NEW YORK, N.Y. /California Newswire - National News/ -- The "Might and Mastery" event is transforming every park, street, and PokéStop into a global battlefield. As Pokémon GO Fest 2025 approaches, trainers can complete special tasks, find rare Pokémon, and chase exclusive rewards. With MocPOGO, you can spoof location on iPhone and Android to explore faster and play smarter.
Up to 60% Off: HitPaw Launches Mother’s Day Deals and Giveaway | National News
NEW YORK, N.Y. /California Newswire - National News/ -- HitPaw, a leading provider of AI creative tools, is celebrating Mother's Day with an exclusive campaign from April 29 to May 16, 2025. HitPaw is an innovative software company committed to making creativity accessible for everyone through cutting-edge AI technology.
Envoy Mortgage expands down payment assistance reach with Down Payment Resource partnership after successful pilot | National News
ATLANTA, Ga. /California Newswire - National News/ -- Down Payment Resource (DPR), the housing industry's leading provider of technology that connects homebuyers with homebuyer assistance programs, today announced that Envoy Mortgage (Envoy) will implement DPR's suite of software tools across its national footprint. The move follows a successful pilot and reflects Envoy's commitment to expanding down payment assistance (DPA) offerings while maintaining operational efficiency and reducing repurchase risk.
Victorian Finance Switches to LiteSpeed by LenderLogix for Point-of-Sale | National News
BUFFALO, N.Y. /California Newswire - National News/ -- LenderLogix, a leading provider of mortgage point-of-sale and automation software for banks, credit unions, independent mortgage banks, and brokers, today announced that Victorian Finance, an independent mortgage lending company, has implemented LiteSpeed™ to replace its legacy point-of-sale (POS) system. Victorian Finance will use LiteSpeed to provide borrowers with an automated, digital-first mortgage experience.
How to Download Netflix to MP4 with Newly Released FliFlik UltConv | National News
NEW YORK, N.Y. /California Newswire - National News/ -- FliFlik, a pioneer in media format conversion and AI-powered media solutions, recently unveils the all-new UltConv Netflix Video Downloader, which gives users effortless access to high-quality Netflix titles downloads. It is perfect for offline enjoyment without rushing or worrying about expiring download time.
HitPaw Launches its 2025 Global Cat Tax Campaign with Top Prizes | National News
LOS ANGELES, Calif. /California Newswire - National News/ -- HitPaw, the innovative platform for creative video tools, has officially launched its global Cat Tax photo event - perfect for feline lovers everywhere. From April 10 through May 7, 2025, cat lovers are invited to share their most adorable cat photos to win exciting prizes, including a DJI Pocket Camera.
Edimakor Mac V3.7.0 Launched with AI Clip Maker and Talking Animals | National News
NEW YORK CITY, N.Y. /California Newswire - National News/ -- HitPaw Edimakor has officially announced the global release of Edimakor Mac V3.7.0 which is known for its innovation in AI-based creative tools. The latest update introduces a fresh set of features designed to support video creators, storytellers, and content editors through smarter workflows. The update adds functions like AI Shorts, image/text-to-video generation, face swap, talking animal creation, text-based editing, and masking.
Dark Matter launches Developer Portal, opening the Empower LOS to external innovation | National News
JACKSONVILLE, Fla. /California Newswire - National News/ -- Dark Matter Technologies (Dark Matter®), an innovative leader in mortgage technology, today unveiled a new Developer Portal during its second annual Horizon user conference. The Developer Portal marks a significant evolution for the Empower® loan origination system (LOS), moving from API access to a fully open API ecosystem.
Addsubtitle Unveils New AI Tool for Seamless Video Subtitling and Translation | National News
CASPER, Wyo. /California Newswire - National News/ -- Talecast Inc., the developer of the AI-powered video editing platform Addsubtitle, today announced the launch of a major new product version designed to make translating, captioning, and dubbing videos faster and more precise than ever. With a streamlined workflow and a host of new features, Addsubtitle empowers content creators to localize videos at scale-all in a web-based platform.
Novi AI Introduces Ghibli-Style Video Generator – Turn Long-Form Stories into Emotional Animated Masterpieces | National News
NEW YORK, N.Y. /California Newswire - National News/ -- In recent months, a wave of AI-generated content mimicking Studio Ghibli's iconic style has taken over TikTok and Instagram, turning everyday photos into whimsical, anime-inspired visuals. Riding this trend, iMyFone Novi AI, a free AI video generator from text, has launched a new Ghibli-style video generator. This new feature allows users to transform long-form narratives into emotionally rich, animated videos, capturing the enchanting storytelling magic of Ghibli classics.
HitPaw Online Launches its AI Video Generator for Effortless Creation | National News
NEW YORK, N.Y. /California Newswire - National News/ -- HitPaw, a leading software brand known for its creative and intuitive multimedia tools, proudly announced the launch of its brand-new AI Video Generator on HitPaw Online. The HitPaw Online AI Video Generator provides two intuitive pathways: Text to Video and Image to Video, making it easier than ever to bring ideas to life.
Friday Harbor raises $6M to help community mortgage lenders match the speed and efficiency of industry giants | National News
SEATTLE, Wash. /California Newswire - National News/ -- Friday Harbor, an AI-powered platform that helps loan officers assemble complete and compliant loan files in real time, today announced the completion of a $6 million seed round. The round was led by Abstract Ventures, a San Francisco-based venture firm with $1.5 billion in assets under management and a track record of backing breakout companies including Rippling, xAI, Hebbia, Brigit and Hippo (NYSE: HIPO) and Mischief, an early-stage VC fund co-founded by Plaid CEO Zach Perret.
Tidewater Mortgage Services Replaces Legacy POS with LiteSpeed from LenderLogix | National News
BUFFALO, N.Y. /California Newswire - National News/ -- LenderLogix, a leading provider of mortgage point-of-sale and automation software for banks, credit unions, independent mortgage banks, and brokers, today announced Tidewater Mortgage Services (Tidewater), a retail mortgage lending company, has replaced its legacy point-of-sale (POS) technology with LiteSpeed, thus expanding its partnership with the company. In addition to Fee Chaser™, Tidewater will now use LiteSpeed as the point-of-sale to automate mortgage processes and provide borrowers with a digital-first experience.
Hop into Big Savings with HitPaw’s Egg-citing Easter Celebration 2025 | National News
NEW YORK, N.Y. /California Newswire - National News/ -- HitPaw, a leading innovator in multimedia software solutions, is thrilled to announce its highly anticipated Easter Sale. HitPaw is a leading brand in AI-driven software solutions, offering innovative tools for video, audio, and image editing. As Easter eggs herald the season of renewal, its annual "Hop into Easter Savings" limited-time promotion (April 14-25), delivering triple surprises for global digital creators, designers, and tech enthusiasts.
2025 Best Pokémon Go Spoofer for iPhone [100% Safe] | National News
NEW YORK, N.Y. /California Newswire - National News/ -- The annual global Pokémon Go Fest is almost here, Trainers all over the world are getting ready for this exciting event. If you're an iPhone player wondering how to catch rare Pokémon and complete event tasks faster during the event, iMyFone AnyTo Pokémon Go spoofer has the perfect solution. It lets you safely fake your GPS location on your iPhone, so you can play Pokémon Go without moving and no worries about getting banned.
HitPaw Edimakor V3.7.0: AI Text-to-Video and AI Face Swap Redefine Creation | National News
NEW YORK CITY, N.Y. /California Newswire - National News/ -- HitPaw Edimakor, a globally recognized multimedia software brand, has launched the most awaited tool Edimakor V3.7.0. This latest update centers around AI innovation and improved workflow control, with five standout features. These features include AI Face Swap and Text-Based Editing with various upgrades. The new Edimakor helps users produce smarter and more engaging content in less time.
MocPOGO Special Easter Deals: The Pokémon GO Spoofer You Need for Might and Mastery 2025! | National News
NEW YORK, N.Y. /California Newswire - National News/ -- The Might and Mastery Event in Pokémon GO is in full swing, and trainers worldwide are diving into the action-packed season from March 4 to June 3, 2025. With legendary Pokémon like Dynamax Kubfu making their mark, it's a time of thrilling encounters and rare Pokémon discoveries. Looking to boost your game? MocPOGO's newest deal has got you covered! MocPOGO location changer is the ultimate Pokémon GO spoofing tool for iOS and Android.
HitPaw VikPea V4.2.0 Released with Updates including Detail Recovery Model Supporting Cloud Acceleration Service | National News
NEW YORK, N.Y. /California Newswire - National News/ -- HitPaw, a leading innovator in multimedia software solutions, today announced the release of a new version of HitPaw VikPea (originally named HitPaw Video Enhancer)! VikPea V4.2.0 is a significant update to its all-in-one video enhancement platform. In this version, the Detail Recovery Model now supports cloud acceleration service, a detailed breakdown of cloud acceleration credits has been added, video cropping settings options have been introduced, and a refined user experience to streamline creative workflows for professionals and enthusiasts alike.
New in 2025: How to Make Free AI Kissing Videos Online with the Best AI Kissing Generator | National News
NEW YORK, N.Y. /California Newswire - National News/ -- Have you ever dreamed of sharing a "sweet kiss" with your favorite celebrity or anime character? It may sound like a fantasy, but now relay on cutting-edge AI technology, this dream can now become a reality. With iMyFone DreamVid - AI Kissing Video Generator, you can create incredibly realistic kissing scenes, even if the two individuals have never actually met. This AI tool uses advanced recognition algorithms to analyze facial features and apply kissing actions, creating a smooth and realistic video effect.
PDFgear Launches its World-First Local Processing Online PDF Tools for Superior Privacy and Speed | National News
LOS ANGELES, Calif. /California Newswire - National News/ -- PDFgear, a leading innovator in PDF solutions, launched a groundbreaking set of browser-based PDF tools designed for exceptional privacy and speed. The tools enable users to make changes to PDFs locally in browsers without uploading data to external servers. This launch redefines online PDF manipulation by protecting user privacy while maintaining high performance.
Coupert Launches ‘Pure’ Extension: A Privacy-Focused and Unbiased Smart Shopping Experience | National News
NEW YORK, N.Y. /California Newswire - National News/ -- Coupert, a global smart savings assistant, has officially released a new browser extension - Coupert Pure. Designed for users who care about privacy and efficiency, Coupert Pure eliminates affiliate-based monetization, maintains neutrality in coupon recommendations, and integrates AI technology to deliver a next-generation intelligent shopping experience.
FocuSee Surges in Popularity After Elon Musk Shares Grok Video Made with This AI-powered Screen Recording Tool | National News
LOS ANGELES, Calif. /California Newswire - National News/ -- FocuSee, an AI-powered screen recorder with auto-editing, has taken center stage after Elon Musk shared a video recorded with it on X (formerly Twitter). The viral post has amassed millions of views and sparked widespread discussions, positioning FocuSee as an essential tool for creators looking to effortlessly create demo or tutorial videos that stand out.
MocPOGO 50% OFF Offer on Best Pokémon GO Spoofer for Might and Mastery 2025 | National News
NEW YORK, N.Y. /California Newswire - National News/ -- As the Might and Mastery Event in Pokémon GO kicks off from March 4, 2025, to June 3, 2025, trainers worldwide are gearing up for a thrilling season featuring legendary encounters, Dynamax and Gigantamax battles, new Galar region Pokémon, and much more! To elevate your adventure to the next level, MocPOGO is launching a special promotion perfectly timed for this grand event.
Optimal Blue Establishes Alliance with Cotality to Expand the Reach of Its Mortgage Origination and Pricing Data | National News
PLANO, Texas /California Newswire - National News/ -- Optimal Blue today announced a strategic alliance with Cotality™ (formerly CoreLogic®) that expands access to its mortgage origination and pricing data. Through this collaboration, Cotality will offer Optimal Blue's data to a broader audience, including hedge funds, capital markets participants, and investment firms seeking insights into the mortgage markets.
[2025] FonesGo Location Changer Updated: How to Spoof on Pokemon GO for iOS via Android with Bluetooth Connectivity | National News
NEW YORK, N.Y. /California Newswire - National News/ -- Getting the "Location Failed (Error 12)" message in Pokémon GO can be frustrating, stopping you from playing and exploring freely. This happens due to GPS restrictions or detection issues. A location changer helps bypass these errors, letting you enjoy the game without limits. FonesGo Location Changer is a game-changer for Pokémon GO players who want to explore the world without leaving home.
Stack Sports and Future Stars Series Extend Strategic Partnership into Year Two | National News
DALLAS, Texas /California Newswire - National News/ -- As the New Year kicks off, Stack Sports and the Future Stars Series (FSS) are proud to announce the continuation of their strategic partnership for a second year. This collaboration remains focused on revolutionizing youth sports, particularly baseball, while also setting the stage to expand into additional sports in the future. With the success of year one, both organizations are more committed than ever to providing athletes, families, and coaches with unparalleled tools and experiences.
New in MocPOGO Android for 2025: Now Spoof Pokémon GO on iOS using Bluetooth Technology | National News
NEW YORK, N.Y. /California Newswire - National News/ -- Pokémon GO players looking for a reliable and safe way to change their in-game location can now enjoy the latest advancements from MocPOGO. The MocPOGO 2025 is the ultimate Pokémon GO spoofer for iOS and Android, offering top-tier GPS spoofing with no jailbreak or root required. Packed with cutting-edge features, it ensures a low-risk, ban-free gaming experience.
AnyGo Android Latest Update: How to Spoof Pokémon GO Location on iPhone with Bluetooth Mode | National News
NEW YORK, N.Y. /California Newswire - National News/ -- In 2025, Pokémon GO iOS players want to explore the world, but Error 12 often gets in the way. iToolab AnyGo - Location Changer offers a seamless solution for iPhone and Android, letting players catch and battle Pokémon anywhere. Plus, the new AnyGo Android Bluetooth Mode lets you spoof iOS locations easily without jailbreaking.
HitPaw Univd 5.0.0 Released with New AI Video Enhancer feature! Limited-Time 20% Discount and Bonus credits | National News
NEW YORK, N.Y. /California Newswire - National News/ -- HitPaw Univd has officially launched version 5.0.0, introducing the brand-new AI Video Enhancement feature. Now, you can upgrade blurry and low-resolution videos to 4K, reduce noise, and improve overall video quality with just one click! HitPaw Univd is an all-in-one tool for video, audio and image processing, offering a wide range of powerful features.
HitPaw FotorPea V4.5.0 is Released: AI Face Swap and Blur Repair Model Are Coming | National News
NEW YORK, N.Y. /California Newswire - National News/ -- HitPaw, a leading innovator in multimedia software, is thrilled to announce the release of HitPaw FotorPea V4.5.0 (Win)-the latest version of its powerful photo enhancer. This update introduces three groundbreaking features: the AI Face Swap for realistic face replacements, the Repair Lens Blur Model, Repair Motion Blur Model, and Repair Compression Blur Model for restoring sharpness, and a Background Generator for furniture that creates professional-grade backgrounds.
The TOP Pokémon GO Joystick! Play Pokémon Go Without Moving in 2025 | National News
NEW YORK, N.Y. /California Newswire - National News/ -- Many Pokémon Go players want an easier way to explore the game world without moving too much. Spoofing is one of the most important Pokémon Go hacks, it helps you move around virtually while staying in one place, but not all are safe. Don't worry! This guide from Tenorshare will show you the best Pokémon GO joystick and how to Get GPS Joystick in Pokémon GO.
Introducing HitPaw Edimakor 3.6.0’s Smart Features: AI-Powered Image-to-Video, Talking Animals, and AI Clip Maker | National News
NEW YORK, N.Y. /California Newswire - National News/ -- HitPaw Edimakor is happy to announce the availability of the latest version 3.6.0 of its AI video editing software. The latest version has three new innovative features that are designed to transform static images into interactive video content with ease.Users can bring photos to life through AI-Powered Image-to-Video to create life-like clips.
StreamUlt Launches Revolutionary Netflix Video Downloader for Seamless Offline Viewing | National News
HONG KONG /California Newswire - National News/ -- StreamUlt, a leading innovator in media conversion solutions, proudly announces the launch of StreamUlt Netflix Video Downloader, a professional software designed to empower users with high-quality offline access to their favorite Netflix content. With a strong commitment to enhancing user experience, StreamUlt continues to redefine the way audiences engage with streaming media.
Vice Capital Markets Integrates with Fannie Mae’s New Loan Pricing API to Streamline Mortgage Loan Pricing and Commitment | National News
NOVI, Mich. /California Newswire - National News/ -- Vice Capital Markets, a leading mortgage hedge advisory firm for independent lenders, banks and credit unions, announced today it is the first to integrate Fannie Mae's new Loan Pricing application programming interface (API) into its trading portal. The API consolidates multiple APIs into one, simplifying the loan pricing process and enhancing pricing and commitments.
DreamVid: AI Kissing & Hugging Video Generator Taking Over Social Media, loved by over 10 Millions of Users | National News
NEW YORK, N.Y. /California Newswire - National News/ -- If you've been scrolling through TikTok lately, you might have noticed a new interesting trend - AI Kiss and Hug. This trend was kicked off by iMyFone DreamVid, a powerful AI image-to-video tool and free AI kissing & hugging video generator. In just a few months, DreamVid has attracted tens of millions of loyal users, becoming a global phenomenon AI creative tool.
HitPaw Kicks Off Spring Sales 2025, with Massive Discounts and Exclusive Bundles | National News
NEW YORK, N.Y. /California Newswire - National News/ -- HitPaw, a leading innovator in multimedia software solutions, is thrilled to announce its highly anticipated Spring Sale, running from March 6 to March 24. This year's event promises unbeatable deals, with discounts of up to 40% OFF on hot products and an incredible 50% OFF on AI-powered product bundles. The highlight of this sale is the introduction of exclusive subscription and credit bundles, offering savings of up to 35% OFF.
[2025 Latest] Bluetooth Tech to Spoof Pokémon GO on iOS with FonesGo Location Changer | National News
NEW YORK, N.Y. /California Newswire - National News/ -- Pokémon GO players seeking a seamless way to explore different locations can now use FonesGo Location Changer, a powerful GPS spoofing tool designed for iOS and Android. With advanced features like Multi-Modes, and Bluetooth-based location spoofing, FonesGo ensures a smooth, secure, and ban-resistant Pokémon GO experience - no jailbreak or root required. The latest version 7.9.0 introduces a breakthrough Bluetooth mode that allows users to safely spoof their location without relying on cracked versions.
MocPOGO Win 7.9.0 Released! Spoof Your Location in Pokemon GO on iOS without Cracking | National News
NEW YORK, N.Y. /California Newswire - National News/ -- Exploring new Pokémon GO locations without leaving your home has never been easier. MocPOGO, the ultimate location-changing tool, lets players move freely in-game without any physical effort. The latest 2025 update - V7.9.0 brings cutting-edge features, including Bluetooth connectivity，enhanced support for original POGO and MHN, improved anti-ban protection, and multi-device support, making it the go-to solution for iOS and Android users.
[No Crack 2025] Spoof Pokémon GO Location on an iPhone Safely with iToolab AnyGo | National News
NEW YORK, N.Y. /California Newswire - National News/ -- Pokémon GO players looking for a reliable way to change location on iPhone. So now they can change their in-game location perfectly with newly released iToolab AnyGo Win V7.9.0. The latest 2025 update introduces Bluetooth Mode for iOS 17 and above, making location spoofing without a cracked version, safer and more convenient than ever.
Avenu Revolutionizes Public Records Management with Cloud-Based SaaS Innovation | National News
CENTREVILLE, Va. /California Newswire - National News/ -- Avenu Insights and Analytics today announces the launch of its innovative cloud-native Public Records Management System, which is setting a new standard for efficiency, security, and adaptability in state and local government operations. As one of several SaaS solutions on its GovInsights platform, Avenu | Records empowers clerks and recorders with seamless integrated credit card processing, robust data protection, and comprehensive tools for cashiering, imaging, indexing, redaction, and search-ensuring full compliance with statutory and business requirements.
Floify introduces Dynamic Apps so lenders can tailor applications by loan type while supporting regulatory compliance | National News
BOULDER, Colo. /California Newswire - National News/ -- Floify, the mortgage industry's leading point-of-sale (POS) solution, today announced Dynamic Apps, a no-code feature that lets lenders tailor loan applications based on loan type. By eliminating irrelevant questions, Dynamic Apps shapes the home financing journey to borrowers' unique goals while helping lenders accelerate approvals, improve application completion rates and maintain regulatory compliance.
Stack Sports Recognized as a Leader in Sports Technology and Expands Global Impact in 2024 | National News
DALLAS, Texas /California Newswire - National News/ -- Stack Sports, the world's largest provider of sports management solutions, celebrates another year of innovation, growth, and impactful partnerships in 2024. As the trusted partner to over 50 million users worldwide, Stack Sports remains steadfast in its mission to grow participation and transform the sports experience through cutting-edge technology and partner-focused solutions.
LocaChange Pokémon GO Spotlight Contest Announced – Share Your Best Moments and Win Big! | National News
NEW YORK, N.Y. /California Newswire - National News/ -- LocaChange is thrilled to announce the launch of the Pokémon GO Spotlight Contest, an exciting new event that invites Pokémon GO players worldwide to share their most epic in-game moments for a chance to win amazing rewards. This Pokemon Go event is designed to celebrate the creativity and passion of the Pokémon GO community while showcasing the power of LocaChange's innovative new features, PoGo Search and PoGo Atlas, to enhance the gaming experience.
ProNotary to Exhibit at American Bar Association Tech Show 2025, Showcasing Cutting-Edge Remote Online Notarization Technology | National News
DALLAS, Texas /California Newswire - National News/ -- ProNotary, a leader in remote online notarization (RON) technology, is pleased to announce its participation in the ABA Tech Show 2025, taking place April 2-5, 2025, in Chicago. The event, a premier legal technology conference, will bring together industry leaders, law firms, and tech innovators to explore the latest advancements in legal tech.
Edupoint Educational Systems Partners With ParentSquare to Simplify New Integrations for Client Districts | National News
MESA, Ariz. /California Newswire - National News/ -- Edupoint® Educational Systems, creator of the industry-leading Synergy Education Platform, today announced its partnership with ParentSquare, an award-winning unified school-home engagement platform for K-12 education. This partnership will facilitate smoother onboarding and integration for Synergy customers interested in using the ParentSquare platform to communicate with families for student success.
How to Find Pokémon in Pokémon GO Without Moving in 2025 | National News
NEW YORK, N.Y. /California Newswire - National News/ -- Want to know how to find Pokémon in Pokémon GO without moving from the comfort of your home? You can spoof to the location of your choice and catch rare Pokémon without wasting time looking for them with PoGoskill V2.1.0.
2025 How to Spoof Location on iPhone? [With No Jailbreak] | National News
NEW YORK, N.Y. /California Newswire - National News/ -- Your iPhone always knows your location. Sometimes, this can be a problem, especially when you want privacy from family and friends, enjoy location-based apps, or play GPS-based games like Pokemon Go. If you want to learn how to spoof your location on iPhone, we've got the best solution for you in 2025. With tools like iMyFone AnyTo, you can safely and discreetly manipulate your iPhone's GPS location without jailbreaking, enjoying more freedom with ease.
Informative Research’s AccountChek expands payroll provider network for mortgage lenders assessing income through Freddie Mac’s AIM | National News
GARDEN GROVE, Calif. /California Newswire - National News/ -- Informative Research, a premier technology provider delivering data-driven credit and verification solutions to the lending community, announced an enhancement to its integration with Freddie Mac's Loan Product Advisor® (LPASM) asset and income modeler (AIM). This enhancement enables LPA to assess income and employment for eligibility of representation and warranty relief for lenders using AccountChek® for automated verification of income and employment (VOIE) across a broad range of supported payroll providers.
