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Posts Tagged ‘Financial’

California’s Vehicle Financial Responsibility and Suspension Laws

record suspension
by wallyg

The insurance requirements for the registration of a vehicle in California are a part of California’s vehicle Financial Responsibility and Suspension Laws. The law changed in 2006. The California Department of Motor Vehicles also changed the way it verifies motorist coverage insurance for personal use vehicles. The changes made guarantee that all vehicles being driven in the state of California have liability insurance that affords financial responsibility for damages or injuries caused by a traffic accident in spite of fault.

The changes were also implemented to get rid of the fleet of uninsured vehicles driving illegally on California roads and highways. Insurance companies in California are now required by law (California Vehicle Code [CVC] ร‚ยง16058) to electronically file and report personal use vehicle insurance information to the California Department of Motor Vehicles. An insurance company is not required to electronically report insurance information for vehicles that are covered by business insurance policies or a commercial insurance policy.

Law enforcement and California courts have electronic access to the status of your insurance policy that is available on the California Department of Motor Vehicles records. The requirement to provide financial responsibility is mandatory, it is required that any vehicle operated or parked on a California roadway be in compliance with the California Financial Responsibility requirements. Vehicle operators must carry proof of financial responsibility in the vehicle at all times and it must be presented whenever requested to do so by law enforcement, when renewing the vehicle registration and when a vehicle is involved in a traffic collision or accident. Proof of financial responsibility can be established by providing any of the following documents when requested to do so; an identification card issued by an insurance company, a Department of Motor Vehicles authorization letter stating that you are self insured or that you comply as a cash depositor, a California Proof of Insurance Certificate (SR22) for broad coverage or an owner’s policy and proof that the vehicle is owned or leased by a public entity.

The minimum liability insurance requirements for private passenger vehicles in California are $ 15,000 for injury or death to one person, $ 30,000 for injury or death to more than one person and $ 5,000 for damage to property. Liability insurance compensates a person other than the policy holder for personal injuries or property damage. Although the minimum liability requirements are set by the state of California, those limits are not enough to cover damages and injuries that arise from significant injuries and damage. You should discuss increasing your liability limits with an insurance broker or agent and you will see that the difference is usually very low or irrelevant compared to being adequately protected.

Go Insurance Center
10769 Woodside Ave Suite 210-B
Santee, CA 92071

(619)442-6666
(619)442-6667 fax

http://www.goinsurancecenter.com

Article Source:
http://EzineArticles.com/?expert=Jose_Luis_Gonzalez

Question by : Worried about in-school suspension going on my record !!!?
i got in- school suspension because i went to the clinic during an assembly and didnt notify my teacher
im in middle
i dont want schools i apply to, knowing about this, and i want to get into a private school in a few years
also some people on yahoo answers said that it doesnt go on your record

Best answer:

Answer by Oke
In high school it does go on your record but i believe stuff is not as tight in middle school, and if your behavior is good it won’t go through (schools can erase the punishment from your records if they want).

Know better? Leave your own answer in the comments!
Clemson WR Watkins ready after 2-game suspension
Watkins was charged with two misdemeanors and took part in an intervention program that lets first time offenders expunge their record if they followed community service guidelines attached to their case. Watkins has apologized to his coaches …
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No Win No Pay No Risk Attorney Lawsuit Loans Provide Law Firms Innovative Financial Solutions

Law firms work long and hard to achieve financial success. Today however a team of professional financial consultants have developed innovative tools to assist law firms achieve even greater financial success via a unique program called “No Win…No Pay…No Risk” Attorney Lawsuit Loans.

With “No Win…No Pay…No Risk” Lawsuit Loans cases are leveraged TODAY that deliver capital as the program unleashes potential future earnings sitting dead in a firms case files. “No Risk” lawsuit loans are secured only by the case themselves as there’s no reimbursement obligation a firm assumes if the case in unsuccessfully litigated. With “No Risk” Attorney Loans, the investors not the firm absorbs 100% of the risk on every case leveraged, period doing such without involvement in the way a firm handles case management.

“It’s really a venture capital investment in a firm’s portfolio explained the founder of 1st Choice Funding, Kari E. Gray when recently interviewed about her companies ingenious approach to capital expansion. Ms. Gray continues, “no entity can run on cash flow deficiencies, and until now, a law firms potential earnings were not considered a liquid asset by lenders and could not be leveraged. However “No Risk” attorney loans provide a firm with its future earnings now vs. months and or even years from now when a case may settle. Accessing future earnings can make the difference in the way a firm is able to grow and expand and increase its future earnings capabilities compared to the current methods used by traditional practices.”

The “No Risk” Attorney Lawsuit Loan approach complies with Bar regulations as successfully leveraged cases may pass on to the client, at the time of settlement, the expenses incurred for the loan in addition to contingent fees as apart of the cost to litigate. Thus the bottom line is: win or loose a case, a firm always wins with “No Risk” Lawsuit Loans because “No Risk” Attorney Loans provide “Risk Free” capital without monthly payments, and this feature keeps a firms cash flow uncompromised. “No Risk” capital provides an effective financial solution to the cash flow inconsistencies practices of all sizes must contend with.

1st Choice Funding’s investment portfolio group has collectively unlimited resources for funding as the company offers the following types of financial solutions;

1. Non Recourse Pre Settlement Funding
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5. Business Loans
6. Mortgage Loans
7. Credit Repair
8. Life Settlements & More
(Please visit 1stchoicefunding.com/professionalindex.html).

Each firm has differing financial needs, but 1st Choice Funding’s objective is to provide the lowest cost investment capital to law firms across the U.S. by this innovative approach. The “No Risk” program also affords plaintiffs with Non Recourse Pre Settlement & Non Recourse Post Settlement Funding as well.
(Please visit 1stchoicefunding.com)

Under the “No Risk” program investors do not ask for statements of personal net worth, indebtedness, or lists of assets as “No Risk” Attorney Funding is secured by the practice’s receivables, not its Partners’ assets. After receiving the application and documents, an outline including funding amount, rate, duration, fees, and other important elements are determined based on risk. Upon funding a contract is provided for signature and a lien is then placed on the case as funds are wired to the Law Practice’s account minus setup fees.

“No Risk” Attorney Lawsuit Case Types Include:

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General Negligence

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Employment Discrimination Whistleblower (Qui Tam)

Product Liability

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Zyprexa

Asbestos

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Airplane Accidents

Appeals

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Assaults

Fen-Phen

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Worker’s Compensation

Construction Accidents

Dog Bites

Maritime/Seaman’s Claims

Medical Malpractice

Motorcycle & Bicycle Accidents

Nursing Home Neglect

Premises Liability

Product Liability

Railroad Claims (FELA)

Wrongful Death

Judgments

Structured Settlement

Tractor Trailer Accident

Slip & Fall

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Baycol

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Wrongful Termination

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Select Divorce Cases

Select Canadian Cases

For more information log on to the company’s website at [http://1stchoicefunding.com/professionalindex.html] or request an application by email: attorneyloans@1stchoicefunding.com and leverage the power of pending earnings today!

Kari Gray is a 22 year seasoned financial consultant and president of 1st Choice Funding. Ms. Gray’s financial expertise has assisted clients of all sizes to access capital while reducing overhead. 1st Choice Funding offers other innovative financial services that include loans of all types including a professional management interest rate control program for personnel & business loans that positions the borrower, not the lender with interest rate control. This and other innovative financial services are offered to assist your law firm in maintaining more earnings while lowering the cost of operation. Ms. Gray can be reached direct 417.451.7618 or email kg@1stchoicefunding.com for a consultation on how the company may assist your firm in increasing personnel & business net worth.

Article Source:
http://EzineArticles.com/?expert=Kari_Gray

Transvaginal Mesh Lawyer East Canadian, OK (800) 952-1453 Oklahoma www.verchicklawfirm.com Glenn Verchick is partner and senior trial lawyer in the firm. He exclusively represents plaintiffs in personal injury actions, including medical malpractice, construction site accidents, automobile accidents and general negligence cases. He has obtained several million dollar verdicts for his clients and his success as a trial lawyer is built upon meticulous preparation, well thought out trial strategy and the ability to maintain focus and poise in the heat of battle. The ethical, professional and vigorous representation of his clients in court is his primary concern. He is concerned about the rights of the elderly who reside in nursing homes and rehabilitation centers throughout the state and who, in many instances, do not receive the proper care and attention they deserve and are entitled to by law. He has litigated cases involving he elderly who have sustained preventable falls, wandered or eloped from their facility or have sustained preventable pressure ulcers and bedsores. He is admitted to practice in all the Courts of the State of New York and New Jersey. He is also admitted to Federal Courts in New Jersey and New York. He is the President of the New York State Academy of Trial Lawyers and a member of the Board of Trustees of the Brooklyn Bar Association and the Editor-in Chief of its periodical, The Barrister. He is a member of the Nursing Home Litigation Committee at the
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Question by : canadian lottery board has sent a mail of winnig prize , can i make sure that they are true?
the canadian lottery board from uk announced my lottery and asking for legal attorney agent payment. i am not satisfied with them. plz exlpain what should i do?

Best answer:

Answer by Ooops
Sorry friend but there is no Microsoft, Yahoo or other e-mail lottery, it’s a scam do not answer do not give personal information.The following sites give more information
http://www.snopes.com/
http://www.scambusters.org/
.Also If you go to the following site you will get some info on ID theft www.identity-theft.org.uk the iinternet is safe enough if you are careful but please answer nothing that you are doubtful about.Good Luck and be careful

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Kerry Kennedy changes attorneys in NY case
The Canadian Auto Workers union says it will focus on reaching an agreement with Ford as negotiations continue with all of Detroit's Big Three automakers with a strike deadline looming Monday night. The Canadian Auto Workers union will focus on …
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We Are As a Nation Heading Into Bankruptcy and Financial Disaster – A Medical Disaster Also

pardon letter
by lisby1

The disaster that took place in our financial markets has become a stepping stone for government to step in under the guise of helping, it has been trying to control salaries for top executives all over the business community. I agree that salaries and compensation for top level management have gone beyond reason and that there must be caps and restrictions placed where performance is tied to results. It cannot be sanctioned by today’s marketplace, that a company in failure has to pay exorbitant money to its top people for a job badly done.

Performance must be ahead of enumeration and tied to moving the company forward in value. We cannot keep paying for failure! In today’s business climate, people want more than good intention’s and a big name from the Right background in business to manage a company, for the sake of all its workers and stockholders. The day is gone where a company goes bankrupt but all the top brass goes home with an enormous severance package for failure. The big bucks are for doing a good job with results that warrant payment of large sums. And most, must be tied to stock options as the major part of payment.

Now we have the government stepping in to take over companies, after bailing them out with our taxpayer money. These companies still want to use that money for huge salary packages and not to improve the running of the company. They want to go on the same way they have, which led to the downfall in the first place. What do we have to do, to make these people realize its over. Either shape up or ship out. When will they realize the American people are fed up with incompetent leadership and are demanding action and performance.

Now the government wants to set salaries and compensation levels all across business. And now we all see the health reforms they want are for the benefit of unions and business that do not want to pay for coverage of employees or union members. That is the reason behind all this supposed concern for the American people. The government will take the load from business to cover employees which costs them millions every year and dump it onto the government. Unions do not want to have to lay out medical coverage for its members so it will all fall onto us as taxpayers to pick it up for them.

Did you really think the President was concerned for people? It was part of a supposedly secret campaign promise to unions to get their backing and money. Why should business back our President who has claimed to be against capitalism in its present form. The taxes proposed to pay for this program will be very much higher that stated in proposals. According to CBC figures and others that include all the separate bills under different names submitted to congress, it puts the price somewhere in the range of One point eight trillion dollars.

That starts with a T. He also admits that it will still leave about thirty million people who are still not covered. So: If all this program will do is cover fifteen to twenty million people that, according to his own words, out of the now claimed fifty million without coverage. What is the cost of just covering the difference between fifty million down to thirty or thirty five five million? It is 1.8 trillion It is he proposed new medial plan. I will tell you what I have come to believe. It was a promise made to big business and labor to relieve them of the growing costs of covering their workers. Once the President gets his bill passed; every effort will be to go to the public option, and that means the government will be in full control. He will fight tooth and nail to get it.

All medical procedures will be rationed and strict limits on who receives what. The elderly will suffer most with cuts to medicare for procedures and tests, which is bankrupt and so is medicaid that is being given to most illegal immigrants and almost anyone that applies. Medicaid as it is being administered today is dragging down the whole medical system. People all over this nation are using our hospital emergency rooms as their private doctors offices. Thousands upon thousands go there for colds and minor complaints because it is free to them.

If we placed co,payments on every visit with money collected up front , we would see a dramatic drop. Say if we charged $ 25. for every visit to the hospital E R then we might curb the unnecessary use. Their are still plenty of clinics to care for indigent people and families. The amount will not help the hospitals pay for visits but it would stop people from going there for every little sniffle or headache and minor bump. What we really need is to cut the waste and paperwork that buries every part of the medical field.

I have one suggestion to help the whole industry. As President; President Obama could mandate that all parts of the medical community get together and come up with a three page document that would cover all contingencies and treatment with space for information of every kind. They can attach test results where needed. Every company would have input on what information is needed but it would all have to fit into one three page double sided form. If they are unable to arrive at an agreement, then the government would draw one up for them from efficiency experts, and then they would have to live with it. If everyone wants their own way, then no one will.

If America is to have a chance to come out of the worst economic downturn since the great depression then we must cut back on spending for every department and agency within government. We have many agencies that go back to the beginning of the 1900s and beyond. We must weed out and examine every program within every department to see what can be disposed of as unnecessary or duplication. We must also stop automatic increases for every program. Budget increases must be justified for every department and program. It is time for extreme measures in budget reform and cutting spending for every increase proposed.

If America does not send E-Mails and letters to every representative they can , then nothing will change and we will go on and on to a complete implosion in our monetary system. America will be a second rate power and no other nations will feel safe buying our securities to back our debt, then it will all collapse. I remember during the Clinton years that Republicans had control over both houses and came up with their contract with America, formed to cut waste and spending in government. They forced through budget cuts and spending cuts that eventually got us close to a balanced budget. Of course President Clinton claimed credit for what they did but it was what was needed at that time.

They forced through things that were decried and fought against by President Clinton and yet when he left office we were in fairly good shape financially. The fact that they wrecked the White House and pardoned so many friends and acquaintances of his from indictments, came as no surprise. Politicians do things like that and many Presidents have done the same but maybe not to that extent. Medical care will be rationed and lifesaving measures for the elderly will be cut back and waits for treatment and tests can be stretched out until death ends the wait. Just look to the countries where they have one payer medical coverage and ask the people living under it for their opinions.

Tied to any new measures must be tort reform. The awards handed out by juries in the northeast and other large communities across America has to be realistic and measured to what happened. To award 30 million to a victim or their families might feel good to those in the jury box but it costs us all in the end. I myself had the occasion to have a lawsuit but it was for an automobile accident. It was handled fairly and quickly. The cost of trivial lawsuits for people who want money from business or medical malpractice claims is growing out of control. The lawyers that will sue anyone and everyone for any perceived injury or insult has to be stopped. Any birth defect will have a lawyer wanting to sue somebody charging malpractice. Birth defects have been happening since before the time we had doctors.

Their have to be some standard where we can block frivolous lawsuits by lawyers trying to blackmail doctors into settlements just to get them out of the way. The doctors then need lawyers of their own, and that’s where malpractice insurance companies charge exorbitant fees. It is all paid for by all of us when we go to any doctor that has to pay the insurance premiums to practice. I have seen figures from television news shows that purport, the amount of doctors that will leave their practices is growing close to 40% Doctors are getting away from practicing as an individual and more and more are forming group practices with umbrella coverage for all. Some are even retiring ahead of time just to get out of the rat race.

Things like that happen every day all across America when we have no restrictions at all upon who can sue whom or for what reasons. Somewhere, somehow we have to come up with caps for certain types of medical malpractice suits and justification for a lawsuit has to be on a ” reasonable ” basis. I do not have the answers, but we have a good many great minds out there,across America, and if they can come up with some solutions that make sense, sound reasonable, then upon considered reflection by all parties, they should be adopted. I seem to have gone afield from where I started but it is an enormously complicated subject.

The economy is in a mess and adopting a medical plan that will cost the country over $ 900 billion if not close to 2 trillion to cover less than 20 million people out of 50 million not presently covered is fantastic if not very close to criminal. To use the Presidents own words their are fifty million not presently covered under medical insurance.! The new proposed plan will leave thirty million still not covered under the new policies. What are we spending, even with the Presidents own numbers of $ 900 Billion, to only cover 20 million more than now. Pardon me for not agreeing with the plan.

If anything I have written makes sense to you then I ask only one thing from each and every one of you. Write letters, send E-Mails or telegrams to anyone you can in your local, state or federal government. Let the representatives in your area know how you feel. Keep abreast of things happening as, I am sure, you can spend at least two hours a week on the web looking up what interests you or effects you and your family. If we don’t then who will. It is up to all of us to do whatever we can to inform ourselves and vote in every election and demand from our elected officials that they answer for the way they vote on bills that come before them. We have that right as they are there to represent us.

As I have stated many times before in other forums: All that is needed for evil to triumph is for good men (and women) to do nothing. If we don’t then who will? God Bless America!

Here comes the second letter.. with a sad impact this time on the girl.. forcing her to call it maut da snehaa (message of death) of her love. To me this is the song of the movie in terms of composition and rendering. Pardon audio quality but atleast you are listening to original hard work of Rashid Attre marhoom. Also worth sharing that this film version is EXTENDED version than what we used to listen in audio cassettes n 78rpm record so far. Hope you like it. Regards Dr.Bukhari

Question by trpstar34: How would you address/write a letter to the president of Italy?
I plan on writing a request to the Italian president regarding the pardon of a certain convict in that country, How would I start my paper and where would I send it?

Best answer:

Answer by 2 words
dear ItanianPressie,

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Oron.com Ordered to Pay Corbin Fisher 0000
Oron.com Ordered to Pay Corbin Fisher $ 550,000. By Rhett Pardon, XBIZ.com. Tue, Aug 07 2012 02:45pm PDT … "Defendant argues that the settlement was not final because the letter sent by plaintiff to [web-hosting company] LeaseWeb states that 'Oron.com …
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Pardon the liberty I now take in addressing you in this manner on a rather delicate subject : the courtship letters of Andrew Murray and Margaret Gordon, 1854.

Pardon the liberty I now take in addressing you in this manner on a rather delicate subject : the courtship letters of Andrew Murray and Margaret Gordon, 1854.

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How to Remove NCO Financial From Your Credit Report

A collection agency is assigned the task of getting monies from overdue accounts. They can work with many different industries in order to accomplish this task. NCO Financial has been around since 1926, performing both first and third party collection types. With headquarters in Horsham, Pennsylvania, they are now operating in 9 countries with 140 locations. They can also cause negative listings to be added to a consumer’s credit report. As with any line items of this type, the overall score will be lowered.

However, this doesn’t have to be a permanent addition, as borrowers can work to have this part of their record expunged. This can be accomplished using 2 distinct methods. The first option is a dispute letter to the credit bureau. It can be done directly by the consumer, or through a firm hired to represent him.

Borrowers wanting to attempt this on their own must send a letter to all 3 reporting bureaus (Experian, Equifax, and Transunion) to dispute the invalid claim. Sometimes the erroneous items are entered incorrectly (e.g. wrong account), or other times not at all (account is already paid).

The other way is to pay NCO Financial directly. This is quicker, but also more expensive in the long run. Borrowers should first try to bargain with this company before offering to pay them. Sometimes a deal can be struck where only a portion of the amount has to be paid back. A good starting point is offering to pay 50% of the amount owed. This type of deal also needs to be put in writing, so the consumer should make this one of the stipulations before agreeing to the contract. It will also serve as insurance in case NCO doesn’t follow through on their agreement.

Of course, this is not the only firm that has the ability to report a negative item. The actual creditor may also have put this item on the reporting sheet. This is due to the fact that sometimes collection firms that don’t obtain a settlement will offer the account to another agency. This may create a duplicate listing on the credit report. When something of this nature has occurred, hiring a professional agency is the best route to take, since paying off one party will not permanently remove an incorrect item from their account.

This is the best way to expunge the bad information from the record, and restore the credit rating.

NOTE: Get your credit report and scoring improved. Use one of the best Credit Report Services in the market offering a free trial and the cheapest price thereafter. Then take your time to find a reputable credit repair company.

Hector Milla runs the Credit Repair Companies website – where you can see the top 3 best rated credit reporting companies.

Article Source:
http://EzineArticles.com/?expert=Hector_Milla

Expunge

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Question by bugz: can i expunge a credit report?
so i am soooo close to paying off all my credit. I am 22 I know i messed up but a lot of went to collections and stuff. So I was wondering since I paid it all off in less than 5 years can I get this stuff expunged? on my credit report it still shows i went to collections and stuff. but come on i paid it off so shouldnt that matter? so i can raise my credit score.

Best answer:

Answer by sunshine
No you cannot. Actual facts cannot be deleted. Only those posted in error that you can dispute will be removed. This is your credit history and will stay posted at least 7 yrs

Give your answer to this question below!
The Student Loan Crisis: America's Slow Poison
Nearly half of all bankruptcy lawyers report that they have also seen a marked increase in these kinds of clients. Despite these disturbing trends, 95 percent of these attorneys say that only a few student loan debtors are qualified to get a discharge …
Read more on Blogcritics.org (blog)

Legal Barriers to Reentry

This video explores the various legal barriers that make it difficult for returning ex-offenders to succeed in their reentry efforts. The discussion includes the latest legislative changes being made in various cities and states to facilitate reentry efforts. Recorded 5/24/07 by the National Crime Prevention Council. 46 minutes.
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Methods for Getting to pay Off Student Financial goods

Article by matthew seely

Within the second quarter of 2011, education loan debt had expanded to numerous whooping $ 550 billion. In addition, the Wall Street Journal reported within the March. 24, 2011 ?In financial trouble? Here Come a student-Loan Consultants? article the invoices are approaching $ 1 trillion.

Paying Off Student Lending options promptly Yields Rewards

As if that?s insufficient, penalties for defaulting on student lending goods are steep. To start, situation and federal tax refunds may be intercepted. Student financial loans could possibly be surrended to debt collectors. Your credit score might also suffer. Furthermore, as a lot as 15 % with the wages might be garnished to pay back the financial loans.

Clearly, paying out off student monetary loans promptly has rewards. Whether or not you?re battling to repay your monetary loans or are looking for methods to repay your lending options early, the following advice can assist.

Career Counseling ? Talk together with your school?s career counseling office frequently. Attend career festivals, experience internships and fellowships. Strive to possess a very job before you decide to graduate which means you?ll have earnings to repay your financial loans.

Evaluation Student Monetary loans ? Before you determine to graduate, sit lower making a loan counselor. Review principal and interest connected along with your student financial loans. Also uncover the quantity of your monthly premiums. You need to use loan hand calculators at Department of Education and FinAid to estimate your monthly installments.

Set a Payment Deadline ? Try to spend back student lending products as quickly as you possibly can. The much more you’re taking to repay the monetary loans, the greater interest you?ll pay.

Make a Spending budget ? Accumulate your net acquire. Take away your bills (e.g. rent, food) through your net gain. Allocate a particular percentage (e.g. Twenty percent) from the remaining earnings toward trying to repay student financial loans.

Sign-up for Automatic Payments ? Some loan companies might decrease your interest in case you setup automatic payments. Check with the loan counselor to understand specific savings it is feasible to obtain should you sign-up for automatic payments.

Consolidate Student Monetary loans ? Consolidate your federal and student lending choices to reduce rates of interest.

Make an application for Loan Forgiveness ? Contact the U.S. Division of Education if you’re planning to train. You might get your Stafford education loan pardoned. To be entitled to loan forgiveness you’ve to accept train full-time in low-earnings elementary and/or school districts. The most loan forgiveness was $ 17,500 by 2011.

Whenever you nonetheless discover it difficult to spend back your student monetary loans, think about taking an amount of from the following actions.

Cap Monthly obligations ? Use loan businesses to cap your monthly installments at ten % of the discretionary earnings. Starting This summer 1, 2014, university students can lower the cap automatically monthly payments from 15 to Ten percent. This effort is part from the federal Earnings Based Payment (IBR) plan.

Get in touch with an education loan Counselor ? Begin a readjusted loan payment strategy. Also obtain any deferment in the event you?ve experienced substantial existence changes (e.g. layoff).

Avoid dealing with new education loan debt whenever you spend back undergraduate financial goods. As soon as you begin working, seek guidance from your employer to find out if they offer tuition assistance applications (TAP). Using these applications you will get 80 percent or perhaps more from the tuition refunded.

The author of this article is a school financial aid counselor and recommends that students seek various sorts of financial aid services to help them find enough money to invest in their education. You will have several choices for school grants and scholarships and you need to devote the time and effort to locating them. Be sure to visit the fixed rate private student loans page to learn more about these money for school options.










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