Five Questions Reveal the Best Courier Service in International Freight Forwarding

The core services of a freight forwarding company involve the “carriage, consolidation, storage, handling, packing, and distribution of goods” as defined by the International Federation of Freight Forwarders Associations (IFFFA). In addition, a freight forwarder offers advisory and secondary services, such as “declaring the goods for official purposes, procuring insurance of the goods, and collecting or procuring payment or documents relating to the goods.” Of course, any freight forwarder has the capacity to do these tasks well, but only few companies have earned the right to be recognized by their peers as the best courier service in the industry. To help you identify these companies, ask the following questions for every courier service you’ve short-listed:

Does this company have substantial experience in transporting the type of goods you sell or trade?

Freight forwarders who previously made freight arrangements for electronics, such as laptops and mobile phones, for individual clients already know how to pack these items securely and how to position their boxes inside the shipping container to prevent breakage while in transit. Similarly, companies experienced in freighting perishable goods or frozen foods immediately understood they must use a refrigerated truck to deliver these items.

Does this company have the necessary experience in shipping to countries you want to send shipments to or receive air cargo from?

The best courier service for an import/export business is the company that has shipping experience with countries inside and outside the European Union, for instance. An experienced freight company already knows how to deal with the Customs agencies in other countries. Most likely, this company already established a strong network of couriers and freight shippers in the Middle East, in Africa and Asia, or in the South Americas where trading laws can be stringent on outsiders.

Is this company a member of a duly recognized governing body in the freight service industry?

Is this company accredited by the British International Freight Association (BIFA), the National Customs Brokers and Forwarders Association of America (NCBFAA), or the Australian Federation of International Forwarders (AFIF)?

These organizations are members of the International Federation of Freight Forwarders Associations (IFFFA). A freight company with a membership to any of these national organizations receives limited coverage from liability insurance. As a member, the freight forwarder must follow the industry’s recommended best practices, or else, the company receives the appropriate administrative or civil penalties (i.e. suspension of its license to operate or being blocked from doing business with a specific country) for violating the group’s bylaws.

Does this company have a good reputation within the local industry?

Did it receive any peer-reviewed recognition for excellence in service delivery or in business strategy?

Mainly, a courier company’s professional reputation is measured in the number of awards it has received in certain categories from a prestigious award-giving body in the freight services sector. Secondarily, the courier’s public image is influenced by positive feedback frequently shared by its clients. A third way to gauge a freight courier’s strengths is to read articles written by trusted industry experts who often share insider news reports about freight companies international transportation price.

Historical past of the On-line Playing Trade

Playing has existed hundreds of years in the past. We, as human beings, have the pure intuition to outlive so with a purpose to do that, we have to take the dangers or gamble and hope to attain victory in return. Playing existed in lots of kinds. Folks often gamble on who will get the biggest land or who will win the struggle. Folks use cash and dices to resolve on their destiny and these primary notions had led to the event of on line casino playing, which may be very well-liked these days. With the recognition of on line casino playing taking its toll for a number of many years now, folks have discovered to adapt to such reputation. At present, on line casino playing has launched into a brand new journey and that is to share the joy of on line casino playing to your complete world https://bocoranbandartogel.com/

The Beginnings of On-line On line casino Trade

It began in 1994 at a small island in Antigua and Barbuda. This was the identical 12 months when the legalization of on-line playing was handed in Antigua. Due to Antigua and Barbuda, web playing has moved on to the subsequent technology and continues to soar excessive as much as this current date. Previous to the launching of the primary on-line on line casino, gaming software program have been developed. Microgaming is the primary gaming software program supplier that was used to energy on-line casinos. Cryptologic, an internet safety software program firm, made the mandatory steps to make on-line gaming secure and safe as potential.

The web on line casino trade undoubtedly did not have a handy begin, the industries tackled points on legality and dependancy to playing. Lots of people by no means actually like the concept of playing on-line so that they promoted anti-gambling campaigns to battle its approval.

On-line On line casino Trade “The Current Time

The web undoubtedly made nice contributions to the event of on-line playing. With the evolution of know-how, folks can get pleasure from their favourite on line casino sport anytime, anyplace. However many individuals, particularly US officers, critically detest the legalization of on-line playing. Regardless of the legality points, many individuals nonetheless need to turn into a part of the web playing trade. At present, the web playing trade is unquestionably on the verge of turning into one of many greatest worthwhile industries on the planet. On-line casinos proceed to extend in quantity and numerous packages to advertise on-line playing like tournaments and World Sequence have already been set to offer solely one of the best for each participant. The web playing trade is unquestionably right here to remain and it’ll proceed to surpass all obstacles and rise stronger than ever.

Why Everybody Loves Ordering Meals On-line

At current, the net ordering of meals constitutes thirty p.c of the whole takeaway orders every day, and that quantity is on the rise. Listed here are the explanations for its recognition:

Buyer comfort

Know-how has launched eCommerce to our every day life, resulting in modified habits, and the meals business just isn’t lagging in deriving advantages from eCommerce. It’s estimated that almost 69% purchasers order meals on-line with the assistance of cellular gadgets, whereas functions allow folks to verify orders utilizing Fb. You’ll be able to order with out leaving house, whereas commuting in a bus or whereas getting held up in site visitors.

No mix-ups or frustrations

For ordering meals on-line, the road is not busy at any time, which means you needn’t wait in line in your flip to come back, which completely eliminates any frustration. Furthermore, the consumer himself specifies the required gadgets, thus eliminating any likelihood of misunderstandings. That is one of many predominant causes that purchasers ordering on-line are the happier lot, they usually do not thoughts spending an additional quantity of four p.c, and leaving extra suggestions for the employees chicken

On-line meals ordering is on the market 24X7

The restaurant is probably not open 24X7, nevertheless it allows the purchasers to order anytime that fits their comfort. Even when the restaurant is closed for enterprise, the client can order meals and point out the time for selecting up the ordered gadgets, or request a supply on the appointed time. The involved personnel on the restaurant, when coming again to work, can immediately know the orders pending execution, and plan their schedule accordingly.

Attracting new clients turns into simpler and cheap

The standard methods of promoting, just like the distribution of flyers and press advertisements, could convey outcomes, however their cost-effectiveness is uncertain. It’s value mentioning that Google AdWords campaigns and sponsored Fb Posts are equally efficient, at a considerably diminished expense.

Managing on-line menus is simpler

Creating and sustaining a powerful on-line menu is considerably cheaper and simpler. For example, it does away with the publishing half, and lets you conveniently change the content material of a menu on the drop of a hat! Chances are you’ll simply alter the positioning of dishes in your menu, embody particular gadgets of the day, and handle gadgets having restricted availability.

Substantial cash financial savings

Providing your clients the power of ordering meals on-line advantages the enterprise in lots of different methods. For instance, it reduces the trouble of calling upon purchasers, taking very long time in deciding their gadgets of meals. It saves plenty of man hours, because the employees does not must spend time in making follow-up calls to clients. Furthermore, the consumer ordering meals will get real-time affirmation.

Information To Buying the Right Duvet Cover

A duvet cover or comforter cover is much like a pillowcase. It seems to be like a big pillowcase and protects no matter is positioned inside it. The standard bedding piece used with this distinctive mattress protecting is both a comforter or duvet. Please do not confuse a duvet with a duvet cover. The duvet pronounced “due-vay” is much like a comforter. It’s used as a heat mattress protecting and is historically crammed with down or feathers. The one actual distinction between a duvet and a comforter is the identify itself and the truth that the comforter is available in varied colours and designs. Duvets are normally simply white or beige in colour Bedding Duvet Cover Quilt Cover with Zipper Closure, Ties B077Y13CCS

When buying a duvet cover, pay shut consideration to its dimension and the dimensions of the comforter. Doing so will assist keep away from having to return undesirable bedding or will assist keep away from creating an unappealing look to the mattress. It’s all the time finest to decide on the precise dimension because the comforter or 1 to three inches bigger than the comforter. At all times keep in mind that not all sizes are the identical. You’ll be able to have a queen comforter that measures 86″ x 94″ and have one other comforter that measures 90″ x 92″. That’s the reason it’s all the time a good suggestion that you already know the proper measurement of the comforter and never depend on the dimensions itself. The measurements are normally discovered on the bundle wherein you bought the comforter or on the outline part in case you made the acquisition on-line. Your finest guess is to measure the edges of the comforter with a measuring tape.

Selecting the proper duvet cover for the dimensions of your mattress is one other story. Clearly you’ll buy bedding based mostly on the dimensions of the mattress. For instance, a twin dimension comforter cover for a twin dimension mattress. Nonetheless, many individuals favor to buy one dimension bigger than the mattress itself. For instance, a full dimension mattress protecting for a twin dimension mattress. Why? As a result of the cover falls barely beneath the highest mattress and so they could favor the mattress protecting to achieve the field spring. There’s nothing unsuitable with doing so simply so long as the mattress protecting itself is bigger than the dimensions of the mattress and never smaller. Additionally, the comforter must be the identical dimension of the duvet cover.

When selecting the proper colour and design, the skies the restrict. Select colours that flatter your bed room decor or select one that can attraction to your style. Be artistic and benefit from the luxurious of proudly owning one of the crucial fashionable mattress coverings used as we speak.

The place to Discover a Legit Locksmith Service

Getting locked out of your house or automotive can be a irritating and miserable state of affairs particularly when you have already spent a lot time on the lookout for your keys. While you occur to be parked in public space, your intuition could be to name on a buddy or a member of the family who most likely has a spare key in your automotive. However when this isn’t a risk, your solely resort could be to name on an emergency locksmith. Granting that you’ve got by no means skilled this example earlier than, the strain then mounts to discovering a professional locksmith service. key replacement queens

Likelihood is you return to your workplace and search the Yellow Pages for listed emergency locksmiths in your space. However Wait! The locksmith firms listed in your native telephone e-book may not be out of your place in any respect! The Federal commerce Fee which ensures shopper security, a few of the locksmiths listed could turn into under-experienced and never expert sufficient in your automotive unlocking wants. Worse, they’ll cost you with steep charges and use menacing methods to get you to pay. Clearly, this isn’t the sort of emergency locksmith you need.

Some locksmith firms make use of name heart brokers and acquire a number of listings, in numerous names, in lots of states though their most important workplace is situated in a state removed from yours. While you name any of this locksmith firm, an agent will ask in your location and your impending downside and provide you with a quote for this sort of service. Later, the corporate will dispatch a locksmith in that space who will most probably be under-skilled and unlicensed.

T-Shirt Quilt and Instructions

A t-shirt quilt story and instructions for making your personal quilt.

You might have a dresser drawer or closet filled with previous t-shirts. It’s time to clear out and make room for going searching for these after 4th of July gross sales. Possibly you simply discover it’s simply time to scrub however you actually do not need to half with these shirts in spite of everything these years. Like footage, t-shirts maintain recollections of a time when…

So what might be performed with the pile on the ground of the a number of colours and sizes of previous t-shirts from both your youngsters’s days enjoying soccer or little league? What about your previous school shirts or those saved from highschool actions. These need to imply one thing or they nonetheless wouldn’t be at the back of your closest.

As an alternative of tossing all of those nice recollections, saved for therefore lengthy, flip them right into a t-shirt quilt.

I labored on a t-shirt quilt for a good friend, whose son handed away a couple of years in the past. T-shirts aren’t solely recollections now they’re items of occasions shared that may by no means be returned.

Her son was additionally a pupil in my classroom, my years in the past. As I lower, iron, sew, and quilt recollections of a younger man flood again and make me smile. Because the quilter, I’m happy to have the ability make use of my abilities in order that the household will be capable of snuggle beneath the quilt made with the times of joys and peace with their son.

Outdated shirts remodeled right into a t-shirt quilt generally is a lifetime of recollections.

Listed here are a couple of tips to comply with when making your t-shirt quilt:

The directions are primarily based on a 15″ completed sq. T-shirt block. The quilt will ultimately have the identical sized quilt block with cloth sashing between the shirt/ blocks and a material border.

First, examine all of your tee shirts to make it possible for the designs will match right into a 15″ sq.. Sizes: all sizes embody 1 1/2″ sashing and a 2″ border and are primarily based on a 14 1/2″ completed t-shirt block. If the shirts are smaller than the above talked about measurement, stitching shirts collectively can type one block Flowy Tank Top

12 shirts will make a throw-size quilt, approx. 48″ x 64″ – three throughout x four down.
20 shirts will make a twin measurement quilt, approx. 64″ x 82″ – four throughout x 5 down
30 shirts will make a full measurement quilt, approx. 82″ x 96″ – 5 throughout x 6 down.
36 shirts will make a queen measurement quilt, approx. 96″ x 96″ – 6 throughout x 6 down.
42 shirts will make a king measurement quilt, approx 110″ x 96″ – 7 throughout x 6 down.

Step 1 – Choose Shirts – Make sure that the shirts are clear and never stained.

Step 2 – Fusible Interfacing – Every shirt have to be backed with non-woven fusible interfacing to stop it from stretching. Buy heavyweight fusible Pellon iron-on interfacing. Good high quality permits much less stretching of the t-shirts. Purchase sufficient for 17″ per shirt. Iron on first earlier than reducing the shirts to the required sq. measurement.

Step three – Material for Sashing/Border/Binding – Sashing strips type an ornamental grid between every T-shirt block. Plan on 2″ sashing strips (1 1/2″ when completed) between the blocks, 2 1/2″ strips (2″ when completed) for the border, and extra cloth for the binding.

Step four – Reducing Shirts – Separate the entrance of the shirt from the again. Make sure that the shirt is easy, iron if obligatory. You need your shirt facet to be bigger than 15 inches sq. – ideally bigger than 17 inches to suit the interfacing. After you apply the interfacing you’ll lower the shirt sq. to the specified measurement. (Talked about in Step 2)

Step 5 – Fusing – Lower interfacing to a 17″ sq.. Do not piece the interfacing, it can present by. Place the interfacing with the resin facet down on the incorrect facet of the t-shirt, making an attempt to middle the design as a lot as potential. Comply with the producer’s directions for fusing to the again of every T-shirt. Use a press fabric so you do not get any glue in your iron. Watch out for wrinkles – as soon as cool they will not come out!

BPH Remedy Secrets and techniques For Shrinking Your Enlarged Prostate Quick

BPH therapy can imply something from painful, invasive surgical procedure… to probably harmful medication… to getting extra of sure vitamins. Beneath are a few of these vitamins if you wish to take that route prostatic hyperplasia

The primary is fish oil.

Fish oil (or cod liver oil) is nice at serving to relieve irritation in your physique.

For those who dwell in a western, first world nation, then there’s a excellent probability your physique is in a state of irritation because of the air high quality, meals high quality and water provide. We merely do not get the vitamins we used to, our livestock is pumped filled with chemical compounds, and the air high quality might be filled with harmful particles.

Regardless of the case, taking a very good dose of omega three fatty acids every day (by way of fish oil) may help along with your irritation.

So can reducing out (as a lot as potential) refined sugar.

One other nutrient is zinc.

Your physique wants a number of zinc to perform correctly. And that is very true of your prostate gland which has extra zinc in it than another a part of your physique! Actually, many males with prostate issues who’re searching for BPH therapy are usually low on zinc after they check for it.

Lastly, there’s borage oil.

Borage is one other nice technique to scale back irritation. Nonetheless, you do not need to overdo it, both. Taking an excessive amount of of it will possibly have the alternative impact, and make irritation worse. So simply learn the label and observe it.

And that is it.

If you’re searching for easy vitamins to your BPH therapy, strive the three above.

Is Taking part in Poker On-line Proper For You?

Taking part in poker is a superb passion and an enticing type of leisure. Though many instances up to now you might have discovered that you just wished to play poker however weren’t shut sufficient to a on line casino to only hop in your automobile and run on in to sit on the poker desk. That is the place on-line poker gaming comes into the image. On-line poker is an more and more well-liked approach of taking part in poker from inside the confines and luxury of your individual residence. As you’ll be able to play many several types of poker video games at on line casino institutions, on-line poker web sites additionally make this kind of selection with regard to poker video games obtainable to its poker gamers. Taking part in poker on-line by way of a web based poker web site is totally different in a couple of methods from taking part in in a bodily on line casino atmosphere. It is very important give attention to these variations thereby enabling your self to make the choice of whether or not or not taking part in poker card video games on-line is the proper choice for you.

A technique during which taking part in poker on-line and taking part in poker inside a on line casino differs, pertains to the betting limits that are imposed on the poker gamers. When taking part in poker on-line by means of a web based poker web site, the web poker participant is probably not required to place up as a lot cash for an ante because the poker participant that’s taking part in this kind of card sport inside the on line casino limits. This is among the many benefits of taking part in poker in a web based setting. Many people simply need to play poker for enjoyable or to make slightly spending money maybe and are cautious of risking massive quantities of cash within the course of. The varied on-line poker web sites will permit the potential on-line poker participant to guess smaller quantities of cash than the casinos will at instances. That is a pretty function of the web poker web sites. If you’re seeking to spend small quantities of cash, this could be the kind of gaming scenario for you. If cash isn’t any object, then perhaps you’ll favor to go to a bodily on line casino. Nonetheless, remember the fact that sure on-line poker web sites will host increased betting limits.

One other approach during which taking part in poker on a web based poker web site differs from the on line casino environment is the shortage of different gamers in your bodily neighborhood. Casinos could make an individual grow to be a bit claustrophobic after awhile and in case you are the kind of person that likes his or her personal house, then on-line poker playing on a poker gaming web site may simply be the reply. When you’re taking part in poker on-line you might be taking part in towards different people; nonetheless, the upside to that is that you’re not crowded in a small, stuffy space with these different gamers respiration down your neck, making an attempt to get you to rush up and make a transfer. Not solely can this kind of participant habits on the a part of your friends be obnoxious however it might additionally make you determine to play in a approach which you wouldn’t have finished had you been given the time and house to assume the transfer by. It is a particular plus to taking part in poker on-line versus in a on line casino. If you’re eager on the concept as nicely, then once more, perhaps on-line poker taking part in is your cup of tea dingdong4d

A 3rd approach during which a web based poker web site could also be best for you is for those who take pleasure in pleasure and wish to play multiple sport at one time. By taking part in the poker sport in a web based setting, you’ll be able to play multiple sport at one time. This isn’t potential in a bodily on line casino setting because the solely approach a person may very well be taking part in at multiple desk at one time can be if that individual had actually lengthy arms, which is very unlikely. Subsequently, by using on-line poker web sites you’ll be able to play two or three video games directly. The selection is as much as you. When you have the focus abilities to drag this off, then this might be one other engaging element that may pull you into taking part in in a web based poker sport setting.

A remaining approach during which taking part in poker video games by way of a web based poker web site could be best for you is in order for you the comfort of not having to go away your property as a way to take pleasure in some gaming leisure. On-line poker web sites are extraordinarily handy for plenty of causes. To begin with, you would not have to drive wherever as a way to play poker. You merely go browsing to the web by way of your web supplier, join with a particular on-line poker web site and get right down to enterprise. A second motive why on-line poker web sites are extraordinarily handy is that they will let you soar proper right into a sport with out ever having to attend for a seat to open up. Lastly, on-line poker web sites are extraordinarily handy choices for the avid poker participant in that they allow you to pay cash and gather cash by way of a couple of fast touches of the keypad. Fee techniques firms that act as a go between from on-line poker participant to on-line poker web site allow cash to be transmitted shortly and effectively from on-line poker participant to on-line poker web site thereby making certain that both or each particular person(s) are paid in a swift method.

Low cost Dental Plans and Inexpensive Dental Care

Wholesome enamel and gums play a elementary function in our total well being. Regrettably, rising dental insurance coverage premiums and therapy prices have made dental care inaccessible to many individuals throughout the nation. At this time, there are greater than 108 million youngsters and adults with out dental insurance coverage within the U.S. As the necessity for inexpensive dental care continues to develop, an increasing number of individuals flip towards low cost dental plans as an economical and easy-to-use various to dental insurance coverage.

Present analysis reveals a transparent shift within the dental advantages market attributed, partly, to considerations with value, selection and repair. Many shoppers and employers are transferring away from the inflated premiums, strict restrictions, poor service and different limitations usually related to conventional dental insurance coverage and are wanting towards the financial savings and advantages supplied by low cost dental plans. “With an estimated 45% of People not having any kind of dental protection, and the dental insurance coverage market providing few, inexpensive dental merchandise for people, low cost dental plans are a horny reply to the necessity to scale back shopper out-of-pocket prices and enhance entry to care.”

Low cost dental plans present shoppers with the worth they want by providing entry to inexpensive, high quality dental care at a low worth and with an emphasis on selection and repair. Plan members pay a low annual membership charge and are granted entry to a community of collaborating suppliers providing reductions of 10% to 60% on most dental procedures, together with braces, root canals, crowns, dentures, beauty dentistry and extra on choose plans. Sure plans even embody reductions on extra advantages, together with prescription, imaginative and prescient, listening to and chiropractic care Cerritos Family Dentistry

Low cost dental plans, designed to supply important financial savings on members’ dental care wants, have shortly grow to be a horny various to expensive dental insurance coverage. Conventional dental insurance coverage, as soon as the one dental profit possibility accessible, options many drawbacks together with expensive deductibles, tedious declare kinds, lengthy ready durations and different limitations. Then again, low cost dental plans are more cost effective, easy-to-use and free of those hassles.

Moreover, low cost dental plans – beginning at $79.95 per 12 months for people and $129.95 per 12 months for households – are far more inexpensive than dental insurance coverage. In keeping with a 2005 report by the Nationwide Affiliation of Dental Plans (NADP), a trusted consultant of the dental advantages business, the common month-to-month premium for particular person dental HMO insurance coverage is almost $16 (about $192 per 12 months), in comparison with practically $24 (about $288 per 12 months) for particular person dental PPO insurance coverage and practically $31 (about $372 per 12 months) for particular person dental indemnity insurance coverage. In keeping with NADP, “Low cost dental plans have grow to be a cheap and vital various to fight the rising value of well being care. They’re an economical automobile for hundreds of thousands of undeserved shoppers to enhance their entry to dental care.”

Low cost dental plans additionally present companies and different teams with dental advantages which are straightforward to implement and virtually easy to handle. Many companies are utilizing low cost dental plans to supply dental advantages to individuals which are hardly ever coated by conventional dental insurance coverage, together with retirees, part-timers, seasonal staff and uninsured dependents. Companies can defend their staff’ well being and supply peace of thoughts by encouraging their group to affix a money-saving low cost dental plan.

5 On-line Video games to Get pleasure from on Social Websites

The easiest way to seek out secure and enjoyable on-line video games as we speak is to entry them by way of social networking web sites. The preferred video games on Fb are well-known, however there are another video games which you can entry by way of smaller social networking websites which are each bit as enjoyable. 5 of these video games are introduced right here. Look them up and luxuriate in!

Browser Kingdom

This sport designates all gamers because the Lord of their very own nation. The objective is to go head-to-head with different Lords so as to profit their very own nation. This can be a strategic sport that features combating in addition to some strategic pondering to push a rustic ahead.

Ninerift

That is a web-based position taking part in sport that enables gamers to work with items of others in protection towards monsters. There are a number of parts, together with the flexibility to maneuver up ranges, beat out monsters, carry out in quests, and discover elaborately designed fantasy worlds. The sport is properly developed and is extremely fashionable with customers who get pleasure from position play however need extra of a online game really feel to their on-line gaming expertise.

Tanadu

That is one other very fashionable position taking part in sport, however it is rather heavy on the fantastical parts of world constructing. There’s loads of journey and room for exploration, however gamers have a tendency to like taking part in as a result of the worlds are so elaborately constructed and a lot enjoyable to discover and journey between 토토사이트

Sushido

Meals and cooking video games have gotten extremely fashionable as we speak, so it’s no marvel that this starring a sushi chef is extremely fashionable with on-line gaming lovers. The sport permits gamers to star as sushi cooks and to battle towards time to prepare dinner their approach from one stage to a different. Sushido gives an pleasing solution to move the time. It does not embody loads of violence, fancy world constructing or position play adventures.

Bingo

You must embody an oldie however goodie when discussing on-line video games. Bingo is extremely fashionable within the offline world, so it solely is smart that on-line players could be lining as much as play Bingo just about as properly. You could find free and paid Bingo all around the web, however the free variations supplied by way of social networking websites are the most secure choices. You do not have to place any cash on the road however nonetheless get all of the enjoyment out of taking part in the sport.

All of those video games are straightforward to seek out by way of a good social networking web site devoted to gaming. They characterize only a small pattern of what you could find on-line as we speak. There are lots of different on-line video games that may be loved totally free, starting from card video games and technique video games to superior position taking part in video games with spectacular imagery and graphics. These video games will be each bit as entertaining and pleasing as video games performed by way of offline gaming programs, however they’re much more handy to find and play. You do not want an costly gaming console and the one expense totally free video games is an Web connection. You may as well play these video games at residence, at work, or anyplace else which you can get on-line.