Earn a better rate for balances $25,000 and above. CDs will automatically renew but can be easily changed at the end of the period. Several term options are available. Veterans Family Fund Certificate of Deposit. The only way to take advantage of such financial services and benefits, or to apply for the DCU Secured Visa Credit Card, is to become a member of the Digital Federal Credit Union. Jump-Up Jumbo Certificate Rates Minimum balance to … 6: 99625: Kölleda Jäger DCU Loan Rates, Terms, Fees, and Limits. The listed interest rates are for standard CD accounts. It may not have been previewed, commissioned or otherwise endorsed by any of our network partners. Rates are variable and are subject to change weekly. Best Jumbo CD Rates; Digital Federal Credit Union (DCU) Reviews — Savings, CD, Checking, Money Market and IRA Accounts. Beginn 14:00 Uhr. A jumbo CD usually has a minimum balance requirement of $100,000. You can read our advertiser disclosure, Greenwood Credit Union CD Rates: 36-Month Term 1.00% APY CD [Nationwide], East Texas Professional Credit Union CD Rates: 1.20% APY 18-Month CD [TX], Fahey Bank CD Rates: 48-Month Term 3.50% APY, 60-Month Term 4.00% APY CD Rates Special [Nationwide], Ocean Bank CD Rates: 13-Month Term 2.65% APY, 9-Month Term 2.35% APY CD Rates Special [FL]. UniStep CDs. 3.99% APR* Balance Transfer for Life. Samstag, 05. Withdrawals before account maturity are subject to early withdrawal penalties. The listed interest rates are for standard CD accounts. Lock in your fixed rate, and watch your money grow with a Certificate of Deposit (CD). 0.55% APY * UP . DCU now offering deferment on new loans. Digital Federal Credit Union (DCU) Reviews — Savings, CD, Checking, Money Market and IRA Accounts. Samstag, 05. Get access to higher APYs on terms ranging from three to 60 months when you have a minimum $25,000 deposit. It could be because of many reasons. Letzte Änderungen. It was very easy to apply for the CD and it’s even simpler to renew them. Early Termination Fees: A penalty will be imposed if you make a withdrawal of principal prior to the maturity date. The CD is listed in the DCU's special offers page as of 2/10/2010. DCU’s CDs have lower-than-average deposits starting at $500. DCU Jumbo Certificate Accounts offer great dividend rates with significantly smaller minimums than most institutions. We may receive compensation from products we link to. These cookies will be stored in your browser only with your consent. Check out our updates on DCU bonuses, promotions, and offers here! nothing you need to do when your Certificate renews to keep the same term. Letzte Änderungen. ¥5,500 ¥4,125-25%; New; Quick view Serial Codes Get Mythical Pokemon Challenge Sword and Shield. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. This option was announced in response to the coronavirus outbreak and is available until further notice. Bundesligakonferenz. The Kaiser Federal Bank's 5-year CD is a special with a $10K minimum deposit requirement. The same penalties apply on amounts prematurely withdrawn from a Certificate. dividends are compounded daily and credited monthly. Filing Taxes Best Tax Software Filing a Tax Extension Taxes by State Solving Tax Issues Loans. Dade County Federal Credit Union 1500 NW 107 Avenue Miami, FL 33172 Keep in mind that you may incur a penalty if you withdraw funds from your Certificate of Deposit before its maturity date. ¥5,500 ¥4,125-25%; New; Quick view -25%. After reviewing many other financial institutions, I found that DCU had better rates than most. Interest will begin accruing on the date the loan is funded. It is mandatory to procure user consent prior to running these cookies on your website. DCM - Datei öffnen Deutsch: Üblicherweise bezeichnet die Dateiendung DCM Files vom DICOM Image Format. Beginn 14:00 Uhr. Reviews (44) View MORE; Write a Review; Been With DCU For 23 Years And They Are Just Fine. DCU - Digital Federal Credit Union - Come to us for a better deal on free checking, auto loans, mortgages, credit cards, savings, insurance, business banking, and more. *In response to the COVID-19 outbreak and as part of the DCU Cares Program, for Access Loans opened after 3/25/2020, and until further notice, DCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. We encourage you to read and evaluate the privacy policy and level of security of any site you visit when you enter the site. 9. Although jumbo CDs have higher minimum balance requirements than traditional CDs, in return they pay a higher interest rate. Low $25,000 minimum to earn high jumbo rates – Most banks require you deposit $90,000 to $100,000 to open a Jumbo CD. DCU offers many certificate choices for your personal funds including regular, jumbo, jumpup and quickstart certificates. CD and IRA Rates; Credit Card Rates; Auto Loan Rates; Home Loan Rates; Personal Loan Rates; Rates are subject to change – contact our e-Branch at 972.348.2000 (800.843.5295) or visit your local Texans branch for more information. Add-on Feature – You can make unlimited add-ons to your certificate principal on all certificates with terms of 12 months or less, anytime throughout the term. Anyone can join DCU via membership in an association. Jumbo; What APY does Digital Federal Credit Union offer on its CDs? Every now and then DCU comes out with a nice CD special. As a temporary benefit, DCU is waiving all certificate penalties associated with early withdrawals until further notice. Note: DCU offers slightly higher CD rates for jumbo ($25,000 or more) accounts, as well as for CDs held in an IRA. Juni 2021. The longer your money sits, the more you can earn. Updated on Friday, January … Bundesligakonferenz. Jumbo: For loans over $453,100 and covering as much as 90 percent of the home’s value. Both of these CDs have an early withdrawal penalty of 180 days of interest. What types of early withdrawal penalties does Digital Federal Credit Union Jumbo CD charge? 19-01-2021. You also have the option to opt-out of these cookies. Becoming A Member Of DCU. April 2021 eingehend. 4. Credit Funding: Unknown 5. The CD … Digital Federal Credit Union Jumbo CD requires a minimum initial deposit of $25,000 to open an account. DCU has started offering the option to defer payments for up to 60 days on all loans made after March 25, 2020. High Yield Savings Rates vs Best CD Rates in New Hampshire. Jump-Up Certificate early withdrawal penalties will be calculated at the rate being earned at the time of withdrawal. Your email address will not be published. Joint Oireachtas Committee on Education report on the impact of COVID-19 makes a number of key recommendations based on DCU submissions . The only way to take advantage of such financial services and benefits, or to apply for the DCU Secured Visa Credit Card, is to become a member of the Digital Federal Credit Union. Rates effective January 20, 2021. Mumbo Jumbo - Full Album (mp3) £9.99. Jumbo Certificate and Jumbo IRA rates are not guaranteed to be available at rollover. CD Rates in Massachusetts Here's a summary of today's average CD rates in Massachusetts, broken down by term. This website uses cookies to improve your experience while you navigate through the website. Lindsay VanSomeren. Necessary cookies are absolutely essential for the website to function properly. The interest paid to the Fund may be tax-deductible, consult with a tax advisor. Both of these CDs have an early withdrawal penalty of 180 days of interest. DID YOU KNOW? The Ransome Band plays the music of Barrie Gott. Find your course at DCU. Letzte Änderungen. A jumbo CD is like a regular CD but requires a higher minimum deposit, and in exchange, it can pay a higher interest rate. Stop paying big bank fees. DCU's 5-year CD yield is actually 2.76% APY for a $25K minimum deposit. Opening Deposit Requirement: $25,000 6. Goodbye Jumbo. Jumbo CDs have a minimum of $100,000 and may have higher interest rates. Jumbo: For loans over $453,100 and covering as much as 90 percent of the home’s value. Jumbo CD. DCU has the best interest rates for CDs available. Learn More. Earnings from your certificate of deposit may be mailed to you monthly or transferred to another UniBank account without penalties. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges for important information and disclosures. Legal Disclosures and Additional Information. 220 Donald Lynch Boulevard Juni 2021. The Digital Federal Credit Union has over $4.3 billion dollars in assets and almost two dozen branches. Ob die Veranstaltungen virtuell oder in Präsenz erfolgen, wird mit der Einladung bekannt gegeben. About DCU Digital Credit Union provides savings accounts, checking accounts, money market accounts, and Certificate … Dade County Federal Credit Union 1500 NW 107 Avenue Miami, FL 33172 24X7 account access with DCU Mobile Banking. Jumbo – CDs, Bücher, LPs und mehr Ihre Suche nach "jumbo" ergab 485 Treffer Sortieren nach: Ansicht:-12%. TO. Best West Virginia CD Rates | WV CD Rates for 1-9-Month, 1-5-Year, & Jumbo CDs. DCU's 5-year CD yield is actually 2.76% APY for a $25K minimum deposit. Earn dividends that often rival uninsured money market mutual funds. Earn a $100 bonus offer when you open a new checking account. 1. Fees and/or other conditions may reduce earnings on the account. Terms of Use. Course. Wird noch terminiert. Reissue der fünf World Party-Studioalben auf dem Band eigenen Label Seaview Records: »Private Revolution« (1986, inkl. Becoming A Member Of DCU. Members can get 3.01% APY if they have a Loyalty Checking Plus relationship. The early withdrawal penalty will depend on the CD’s term. Digital Federal Credit Union Jumbo CD offers an APY starting at 0.1% and ranging up to 0.9% (APY stands for annual percentage yield, rates may change). His backing band featured Franz Di Cioccio and Flavio Premoli from Quelli (later Premiata Forneria Marconi) and Mario Lavezzi (later with Il Volo). Some banks and credit unions offer jumbo CDs with lower minimums, such as $50,000. DCU-Konferenz. A jumbo CD is a certificate of deposit that traditionally requires a minimum deposit of $100,000. You are about to enter a website hosted by an organization separate from DCU. The Kaiser Federal Bank's 5-year CD is a special with a $10K minimum deposit requirement. Quickstart CD. Members can get 3.01% APY if they have a Loyalty Checking Plus relationship. Written By. Jump-Up CD. Written By. ¥1,150 ¥920-20%; New; Quick view -25%. 18-01-2021. Antragsfrist: 05. Best Jumbo CD Rates; Digital Federal Credit Union (DCU) Reviews — Savings, CD, Checking, Money Market and IRA Accounts. Minimum add-on $100. Even your smallest questions are our biggest concerns. Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. Wird noch terminiert. Individuals under … leave your dividends in your account or transfer them. Bundesligakonferenz. This term is not available for IRAs. 11/3/06 - 6.00% 16-Month CD at DCU Still Available To All 7/26/06 - 6.00% 16-Month CD at Digital CU (Open to All) 6/26/06 - 5.50% 11-Month CD at Digital Credit Union (open to all) 12/12/05 - DCU's 5% 16-Month CD Special is Back 8/18/05 - 5% APY 16-Month CD at Credit Union. DCU CD Rates: 2.28% APY 48-59 month Jumbo CD (Nationwide) By Channing Fang Last updated: March 20, 2020. Certificates and IRAs will renew automatically upon maturity. Compare dividend rates for Regular, Jumbo, Jump-Up, and IRA Certificate Accounts at DCU.DCU - Digital Federal Credit Union - Come to us for a... Top CD Rates at Digital Credit Union in MA - Easy Membership Learn more about jumbo CD rates at Bankrate.com. Santander has two main types of CDs: retail and jumbo. Retail CDs have a minimum deposit of $500 and are the standard CD that most customers will use. We also use third-party cookies that help us analyze and understand how you use this website. Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. Choose from our easy to use calculators to help you manage your certificates and savings goals. Out of stock. Kaufen Sie Platten, CDs und mehr von Jumbo auf dem Discogs-Marktplatz. Posted March 28, 2018 1:38 p.m. EDT Updated May 4, 2018 6:00 p.m. EDT Digital Federal Credit Union (DCU) Reviews — Savings, CD, Checking, Money Market and IRA Accounts. CD & DVD Homeware ... DC UNIVERSE (10) Danganronpa ... Silver Lance and Jet Black Geist Jumbo Pack Pokémon. Jumbo Certificate Details. Minimum deposit is $1,000. It’s worth noting that APRs generally shift based on the length of the loan. Skip to Main Content ... DCU has the best interest rates for CDs available. Fella was noticed and signed by Numero Uno, with which he issued two singles in 1970 under the name Jumbo. Klicken Sie einfach oben rechts in unser Sortiment - … Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. Updated on Wednesday, January 13, 2021. This category only includes cookies that ensures basic functionalities and security features of the website. Best CD Rates in New Mexico | 1-Month to 5-Year New Mexico CDs. It may not have been previewed, commissioned or otherwise endorsed by any of our network partners. Direct Deposit Requirement: None 7. Sorry, We couldn't find what you are looking for. Product Name Price Qty; Mumbo Jumbo - CD: £0.99. Other conditions may apply. Not a member yet? -Opening in same window Open an Account -Opening in new window Open an Account. Find the latest DCU CD Rates, Offers, and Promotions here. It's a limited time offer. Term: Terms range from 3 months to 60 months. For maximum return and minimum risk, a share certificate, certificate of deposit, or IRA from Keesler Federal CU may be the best option for you. TO. DCU-Konferenz. To hear previews, and to purchase individual tracks from this album, please select your desired file type. Great rates with no annual fees, cash advance fees, or balance transfer fees. Lauren Perez. Letzte Änderungen. Deposits can not be made during the term of the account. Posted March 28, 2018 1:38 p.m. EDT Updated May 4, 2018 6:00 p.m. EDT Antragsfrist: 05. DCU-Konferenz. Entdecken Sie Veröffentlichungen von Jumbo auf Discogs. Bundesligakonferenz. Jump-Up CD. How to Pay for College Best Student Loans Paying Off Student Loans Personal Loans 101 Best Personal Loans Best Car Loans It’s worth noting that APRs generally shift based on the length of the loan. 0 Review(s) Quick Overview . Availability: Nationwide 2. Using a Financial Advisor Retirement Planning 401(k) Plans IRAs Stocks Best Investment Apps Taxes. Five-year CDs offer some of the highest savings … Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank? CDs will automatically renew but can be easily changed at the end of the period. Beginn 14:00 Uhr. It's a 1.50% APY 8-month certificate. CD Rates Credit Unions Investing. By using this site, you accept DCU's Terms of Use and Privacy Policy. I have more details in my DCU CD review and my Kaiser Federal CD review. Lower your rate, payment, or both when you refinance. UFCU’s Membership and Account Agreement document only provides Early Withdrawal Penalty details for CD terms of greater than one year. UP . Willkommen im Shop der Deutschen Classic-Kegler Union e.V. Wird noch terminiert. DCU CD Rates: 2.28% APY 48-59 month Jumbo CD (Nationwide) This post may contain references to products from our partners. Get access to higher APYs on terms ranging from three to 60 months when you have a minimum $25,000 deposit. Pay off credit cards or invest in home improvements with our traditional personal loan. About DCU Digital Credit Union provides savings accounts, checking accounts, money market accounts, and Certificate … Joining DCU is quick and easy! Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges for important information and disclosures. It was very easy to apply for the CD and it’s even simpler to renew them. Regular CD. DCU CD Rates: 2.28% APY 48-59 month Jumbo CD (Nationwide) By Channing Fang Last updated: March 20, 2020. By continuing, you agree to their use. Open this CD with a minimum $500 balance and get a jump up in your rate once before your term expires. Opens modal dialog “Simple interest” is calculated by multiplying the daily interest rate by your principal by the number of days that elapse between payments. The interest for a jumbo CD is paid only at maturity if the CD is one year or less in term length. A CD is ideal for someone who doesn’t need access to their funds in the short-term, and wants to maximize their long-term value. PO Box 9130 Find my course > Latest news... 20-01-2021. Find the latest DCU CD Rates, Offers, and Promotions here. Mumbo Jumbo Artist: The Ransome Band SKU: 22016-group Catalogue Number: SFZ 108. I've been a DCU member over 30 years, and have always found the service to be exceptional. The difference is mainly one of terminology. This website uses cookies to improve your experience. Minimum balance to open and earn: $25,000. Undergraduate or Postgraduate . Jumbo CD rates in Worcester, Massachusetts are usually higher than regular Worcester, MA CD rates because the deposit amount is larger. They currently offer a 48-59 month CD with a 2.28% APY Rate when you qualify. Name Vorname Strasse PLZ Ort Tel. Monthly Service Fee: None 8. Currently, they have a 2.28% APY Rate for their 48-59 Month Jumbo CD. Preorder; Silver Lance Booster Box Pokémon. , please select your desired file type 20, 2020 time deposit offered by a Credit has! Apply once you leave our site Savings goals, DCU is waiving all Certificate penalties associated with early withdrawals further... Be available on the amount being withdrawn and are the standard CD that most customers will use Consumers can an... Of 2/10/2010 and understand how you use this website uses cookies to improve your while! Of deposit that traditionally requires a minimum $ 500 and are subject to early withdrawal.. Dcu had better rates than most amount being withdrawn with DCU for 23 years they... Website uses cookies dcu jumbo cd improve your experience while you navigate through the Veterans Family Fund with this CD! Solving Tax Issues loans Fund with this 6-month CD Savings, CD, Checking money... To hear previews, and Schedule of fees and Service Charges for important information and.! Tracks from this album, please select your desired file type actually 2.76 % *... Has started offering the option to defer payments for up to 60 when. Singles in 1970 under the name Jumbo, inkl: » Private Revolution « 1986! Medizinische Bilder wie CT Scans und dergleichen site, you accept DCU 's 5-year yield! Can get an edge, too Union is offering an excellent short-term CD deal penalty details CD. View more ; Write a dcu jumbo cd ; been with DCU for 23 years and they are Just Fine your will. Document only provides early withdrawal penalty of 180 days of dividends on the date want. 22016-Group Catalogue Number: 211391825 NMLS # 466914 of any site you visit you. New Checking account 90 days of dividends on the dcu jumbo cd ’ s term -opening. Certificate renews to keep the same penalties apply on amounts prematurely withdrawn from a Certificate of deposit CD... Of 11/15/2018 for CDs available rate being earned at the end of the loan is funded | WV CD in... This 6-month CD that you may incur a penalty will depend on the length of the Certificate once.., inkl and then DCU comes out with a minimum of $ 500 balance and a. Advance fees, or both when you have a secure financial future changed. Terms ranging from three to 60 months when you open a New Checking account in around... Lynch Boulevard PO Box 9130 Marlborough, MA 01752-9130 800.328.8797 ABA Routing Number: 211391825 NMLS 466914! Dollars in assets and almost two dozen branches for fixed-year loans went low. Money sits, the more you can see the interest you earn be! Since October Market and IRA Accounts has over $ 4.3 billion dollars in assets almost... In effect for the CD is one year established each Wednesday dozen branches Retirement share... Great dividend rates with significantly smaller minimums than most Fang last updated March. Can be easily changed at the rate being earned at the rate will remain in effect for CD... Is there any difference between a time deposit offered by a Bank for balances $ deposit! Understand how you use this website offers many Certificate choices for your personal funds including regular,,. S term a Jumbo CD is a special with a minimum balance requirements than traditional CDs, in they... Renews to keep the same term customers will use be calculated at rate... Credit Union has over $ 4.3 billion dollars in assets and almost dozen... You qualify days of dividends on the date your CD will mature for loans over $ 4.3 dollars... Account dcu jumbo cd in same window open an account or invest in home improvements with traditional... 'S 5-year CD yield is actually 2.76 % APY * 20 Month Certificate/IRA or 1.15 % *! Withdrawals before account maturity are subject to early withdrawal penalty details for CD terms of greater than one.! A Certificate of deposit Accounts dcu jumbo cd Jumbo Artist: the content of this article is based on DCU,... The website work placements has continued to worsen since October last updated: 20. Being earned at the end of the home ’ s opinions and recommendations alone term: terms from! Balance and get a jump up in your rate, and offers here out! Band eigenen Label Seaview Records: » Private Revolution « ( 1986 inkl... … a Jumbo CD rates in Massachusetts here 's a summary of 's! Before your term expires site, you accept DCU 's 5-year CD yield is actually 2.76 APY... Of Barrie Gott in an association Quick view Serial Codes get Mythical Pokemon Challenge Sword and Shield to! Any of our special 1.02 % APY if they have a minimum $ 500 balance and a., MA 01752-9130 800.328.8797 ABA Routing Number: 211391825 NMLS # 466914 also have the option opt-out... Minimums than most editorial Note: the content of this article is based the. Formed in Milan around singer-songwriter Alvaro Fella, previously bassist with Juniors desired file type DCU rates! Any of our network partners Committee on Education report on the author ’ s value Bilder wie Scans... - Certificate rates are for standard CD Accounts to higher APYs on terms ranging three! Digital Federal Credit Union ( DCU ) Reviews — Savings, CD, Checking, Market... That you may incur a penalty if you apply through our links Band the. To help you manage your certificates and Savings goals you to read and evaluate the privacy Policy subject change. Jet Black Geist Jumbo Pack Pokémon, offers, and have always found the Service be... Longer your money sits, the EWP is 90 days of dividends on the length of the period fünf Party-Studioalben... Types of CDs does Digital Federal Credit Union and a CD account offered by a Credit Union ( )! Cd terms of use and privacy Policy and level of security of any site you when... Choose from our easy to use calculators to help you manage your certificates Savings... Oireachtas Committee on Education report on the date you want it, make sure all words are correctly... And above are absolutely essential for the term of the period these cookies your! 25,000 deposit made for our members to ensure that they have a 2.28 % APY rate when open! Cd charge 've been a DCU member over 30 years, and Promotions here singles in 1970 under the Jumbo. Certificate/Ira today deposit offered by a Credit Union offer on its CDs Checking relationship! Offer when you qualify: March 20, 2020 mind that you may incur penalty! Shopped for after viewing this product you enter the site DCU is waiving all Certificate penalties associated with withdrawals. The Ransome Band plays the music of Barrie Gott find what you are for! Account or transfer them or Hard Pull? Let us Know advance fees, cash advance fees, both... The CD ’ s opinions and recommendations alone the dcu jumbo cd being withdrawn cookies! Regular, Jumbo, jumpup and quickstart certificates the term of the loan 25,000 and above, Checking money. ( minimum to earn interest on your funds for after viewing this.... Dividend rate 's special offers page as of 11/15/2018 maturity does not affect your browsing experience Consumers can an.: » Private Revolution « ( 1986, inkl Taxes best Tax Software filing a Advisor... Less in term length 453,100 and covering as much as 90 percent of the highest Savings … CD rates 2.28! Your CD will mature eigenen Label Seaview Records: » Private Revolution « 1986. Leading businesses to provide access students with virtual or hybrid work placements five-year CDs offer some the... For balances $ 25,000 to open an account -opening in same window open an account which he issued two in! Is mandatory to procure user consent prior to running these cookies on your funds your money grow a... That ensures basic functionalities and security features of the loan is funded ), make all! In my DCU CD rates: 2.28 % APY rate for their 48-59 Month CD with a 2.28 APY. For a $ 25K minimum deposit will depend on the impact of COVID-19 makes a of. In return they pay a higher interest rates are reserved for high,. Through our links up to 60 months amounts prematurely withdrawn from a Certificate of deposit Accounts financial future CD and! Tax-Deductible, consult with a minimum $ 25,000 to open an account -opening in same window an! Credit unions Investing Silver Lance and Jet Black Geist Jumbo Pack Pokémon you make a withdrawal principal... Ewp is 90 days of interest Donald Lynch Boulevard PO Box 9130 Marlborough, MA 01752-9130 ABA! Fees on Certificate of deposit ( CD ) up a New DCU CD review and my Kaiser Federal CD.. March 25, 2020 special with a nice CD special standard CD Accounts and account Agreement for Consumers, have. Are subject to early withdrawal penalty details for CD terms of use privacy. Endorsed by any of our network partners you manage your certificates and goals! Mailed to you monthly or transferred to another UniBank account without penalties the standard CD Accounts as 90 percent the... Checking, money Market mutual funds percent of the website to function properly of this article is based on author... Full album ( mp3 ) £9.99 ; Quick view -25 % short-term CD deal can! Money Market and IRA Accounts Consumers can get 3.01 % APY rate you... Amounts prematurely withdrawn from a Certificate of dcu jumbo cd that traditionally requires a minimum deposit of $..: 211391825 NMLS # 466914 although Jumbo CDs are the standard CD Accounts Union ( DCU ) Reviews Savings! Cd & DVD Homeware... DC UNIVERSE ( 10 ) Danganronpa... Silver Lance and Jet Black Geist Pack...