Build Credit: https://bit.ly/TRCCreditCardBrokerGet Your FICO Score for $1: https://bit.ly/TRCMyScoreIQJoin FREE Mastermind Group: https://kingdomcreditmaste...The Merit Platinum Card provides people with a bad score what most companies don’t: an unsecured credit line and purchasing power for goods and products. Read our full review to learn how this card can help you. Advertisement . Merit Platinum Card: Get a $750 unsecured credit line to shop at Horizon Outlet!A merit shop is term which refers to a firm or organization that pays certain employees by merit (experience/worth to company). Contrary to popular belief, a merit shop can be non-union or union shop. Management retains the right to perform hiring, promotion, salary adjustments, bonuses, and termination, based on the laws of the state and federal …If you have less than perfect credit or no credit, then Merit Platinum is perfect for you. Bad Credit, No Credit? No Problem! Exclusive Member Benefits. Start Shopping Right Away! If you are a Website visitor ('Visitor'), you may use the Website in order to obtain information about Merit Platinum and the Service and to apply for a Merit Platinum Account. Visitors are not authorized to access any content and/or data available to those individuals that are Merit Account holders. License Grant: As a Visitor to the Website ... Applying for the Group One Platinum Card is simple and quick! With a few steps, you can get your credit card! First, you need to access the Group One Freedom Card website. Next, you must fill in the application form with your personal information! They’ll ask for your full name, home address, annual income, email address, and Social Security ...Once you click “Apply Now”, you will be directed to the issuer or provider’s website where you may review the terms and conditions before applying. While Credit.com always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand ...Get equity and participate in our flexible policies around exercising options. We offer fully paid health, dental, vision, life, and short-term disability insurance benefits for all employees and their families. Get your work done where you're most productive. Unlimited PTO & sick days, plus 14 paid holidays. We’re building Merit’s culture ... The Merit Platinum card is a part of the Horizon Card Services family of credit products. Since 2006, Merit Platinum has since established itself as one of our premier brands with thousands of highly satisfied card holders. Please see Terms and Conditions for specific card features and benefits. Marker Bands. 2 band option – Spaced 2 cm apart. 11 and 20 band options – Eleven bands spaced 1 cm apart for a 10 cm segment. Also available with twenty bands spaced 1 cm apart for a 19 cm segment. Four Tip Configurations. Available in Pigtail, straight, Modified Hook and ultra Bolus Flush styles.Product support resources. Virtual in-service & product support videos. Please consider setting up a call with your Merit Account Executive to review these In-Service videos together to obtain additional product knowledge and insights.Buy Platinum Award Badge (Pack Of 5) online from School Merit Stickers. Wide range in stock. Great prices. Free delivery over £30. View prices online! Home; Contact Us; ... School Merit Stickers. 32 Henry Road, New Barnet. Hertfordshire. EN4 8BD. Get In Touch Today. Monday – Friday : 08.00 – 16.30. Call 0800 068 1009.Merit Products. Understanding your clinical needs enables us to innovate solutions to your toughest challenges, delivering tools to simplify procedures and advance patient care. Our diverse product portfolio of minimally invasive medical devices is continuously evolving, helping healthcare systems around the globe provide care that leads to ...Discover the finest selection of clover seeds, including perennial and annual types optimized for wildlife food plots at Merit Seed. From AberLasting to Platinum Ladino, our coated and pre-inoculated seeds are designed to enhance soil health, support diverse wildlife, and ensure sustainable growth year-round. Explore high-quality clover options ...Step 1: Go to my.uah.edu. Step 2: Log in using your ChargerID and Password. Step 3: Under the "Financial Aid" tab, select AWARD. Step 4: Click on: AWARD FOR AID YEAR. Step 5: Select Aid Year. Step 6: Go to the tab labeled "Accept Award Offer". Step 7: Click the "Accept All Awards" button or accept the selected award.The Magistrates Early Referral into Treatment (MERIT) is a voluntary pre-plea Local Court diversion program that allows Local Court Magistrates, police officers and lawyers to refer adult defendants with problematic substance use to a 12 week rehabilitation program as part of their bail conditions.Meritorious Medal system was introduced in 2014 as part of Episode 11 Part 2, many players have already maxed it (not me, I’m still struggling with 2nd table... If you are a Website visitor ('Visitor'), you may use the Website in order to obtain information about Merit Platinum and the Service and to apply for a Merit Platinum Account. Visitors are not authorized to access any content and/or data available to those individuals that are Merit Account holders. License Grant: As a Visitor to the Website ... Wo Long: Fallen Dynasty Trophy Roadmap. Estimated trophy difficulty: 5.5/10; Approximate amount of time to platinum: 40+ hours (skill-dependent); Offline Trophies: 51 (1, 2, 9, 38); Online Trophies: 0; Number of missable trophies: 0; Glitched trophies: there are no officially bugged trophies, but several players have reported issues with collectible …Aug 18, 2023 · The Merit Platinum Card is a shopping card that can be used to purchase items available on their website. There are no links to your bank account which is why your approval is guaranteed. The application process is very simple and straight forward. All you have to do is simply fill in an online application form and you are done. Buy Platinum Award Badge (Pack Of 5) online from School Merit Stickers. Wide range in stock. Great prices. Free delivery over £30. View prices online! Home; Contact Us; ... School Merit Stickers. 32 Henry Road, New Barnet. Hertfordshire. EN4 8BD. Get In Touch Today. Monday – Friday : 08.00 – 16.30. Call 0800 068 1009.Meritorious Medal system was introduced in 2014 as part of Episode 11 Part 2, many players have already maxed it (not me, I’m still struggling with 2nd table...The Merit Platinum Credit Card is a shop card that users can only use at the Horizon Outlet Online Store. It is where customers can buy a variety of things such as toys, apparel, presents, and more. The Merit Platinum card has a $750 credit limit and can help you restore or create credit by providing monitoring services and other benefits.Nature Catalysis 2 , 477–478 ( 2019) Cite this article. Tailoring platinum-based catalysts is of great research interest in the fields of electrochemical energy conversion and storage, as well ...Each year approximately 10 percent of admitted freshman are awarded a merit scholarship. If selected for one of our merit-based scholarships, students will be notified via email and status page update by mid-March. ... Presidential Platinum Scholarship: $10,000 per year (Fall/Spring, total $40,000 over 4 years) ...What is the Merit Platinum Card? The Merit Platinum Card is an online merchandise catalog card issued by Horizon Card Services that allows you to shop at their online …The 2022 Bowman Platinum Baseball checklist has five additional insert sets: Minted in Merit (20 cards), Platinum Plating Die-Cuts (20 cards), Platinum Portfolios (20 cards), Precious Elements (30 ...Wo Long: Fallen Dynasty Trophy Roadmap. Estimated trophy difficulty: 5.5/10; Approximate amount of time to platinum: 40+ hours (skill-dependent); Offline Trophies: 51 (1, 2, 9, 38); Online Trophies: 0; Number of missable trophies: 0; Glitched trophies: there are no officially bugged trophies, but several players have reported issues with collectible …Why Apply for Merit Platinum? If you have less than perfect credit or no credit, then Merit Platinum is perfect for you. After completing our fast and easy application process, you will receive a $500 merchandise credit line from Merit Platinum. Manage and Protect Your Credit.Group One Platinum Credit Card: Pros and Cons. Here’s a quick glance at all the pros and cons of getting this Group One credit card: Pros. Cons. Fast and easy application. $750 credit limit. 0% APR on purchases. 7-day free trial. No employment or credit check to apply.Along with your Horizon Member Benefits, your Horizon membership offers you additional access to the following services. The Horizon Outlet offers card holders a premium online shopping experience like no other. Selections are updated weekly! Take advantage of our members only privileges and 0% interest today! NEW items added daily!Merit Platinum Card: Fast and easy application, qualify with no credit! Apply for Merit Platinum Card! Source: The Insider Advisor. This credit card is issued by Horizon …Collectors also have several inserts to finish via Minted in Merit, Platinum Plating Die-Cuts, Platinum Portfolios, Precious Elements, and Renowned Rookies. That leaves the hits for 2022 Bowman Platinum Baseball, which comes with a mix of autographs, relics and auto relics. The Top Prospects line (1:13 packs) acts as the main signature set.Merit Medal – Platinum Rank (aka Merit 2) 23-Mar-2024: This is an old post for the Merit Medal – Platinum Rank, for the newest content, please use this. Continue reading. May 2, 2014 Cabal / Cabal KR / FAQ / Guides / Test Server [EP11.5] [Info] Merit Mastery System (Part 2)Posted by Mr. Wormy. Many people asked, and here is the list of Costume Epic Converter Options. Up to now, the Costume Epic Converter can be obtained from events only. When applied on items, a random output …La tarjeta de crédito Merit Platinum es una tarjeta de tienda que ofrece una línea de crédito de $750 en Horizon Outlet ( thehorizonoutlet.com )* por $177,24 al año (facturado mensualmente). Esta tarjeta de crédito informa a tres importantes agencias de crédito, lo que ayuda a construir su crédito. Cuando solicita la tarjeta Merit ...We would like to show you a description here but the site won’t allow us.The starting credit limit for the Merit Platinum is lower at $750 versus $1,000 for the Nova Platinum. The monthly fee is also lower for the Merit Platinum at $14.77 vs $19.95 for Nova Platinum. The bundled benefits are quite identical except for one aspect. Both Unique Card Services and Horizon Card Services have roadside assistance, RX plan ...What is the Merit Platinum Merchandise Credit Card? The Merit Platinum Merchandise Credit Card is a store card that can be used for online shopping at Horizon Outlet. What is the credit line and APR offered by the Merit Platinum Merchandise Credit Card? The card offers a credit line of $750 with a fixed 0% APR.Once you click “Apply Now”, you will be directed to the issuer or provider’s website where you may review the terms and conditions before applying. While Credit.com always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand ...Along with your Horizon Member Benefits, your Horizon membership offers you additional access to the following services. The Horizon Outlet offers card holders a premium online shopping experience like no other. Selections are updated weekly! Take advantage of our members only privileges and 0% interest today! NEW items added daily! Application Processing Fee. See website for Details*. Monthly Membership Fee. $177.24 annually ($14.77 per month) One time Card Issuance and Account Validation fee. $0. Late Payment Fee. See website for Details*. The Unique Platinum Card is a catalog card for those who have limited credit history.. With no credit checks required, this card provides an opportunity for those denied traditional credit cards. The Unique Platinum Card offers an unsecured credit line of $1,000 without any security deposit.. This credit can be used exclusively at … Fees, Rates, & Cost Disclosure. APPLY NOW. If you have less than perfect credit or no credit, then Merit Platinum is perfect for you. $750 Merchandise Credit Line. Exclusive Member Benefits. Start Shopping Right Away! The Magistrates Early Referral into Treatment (MERIT) is a voluntary pre-plea Local Court diversion program that allows Local Court Magistrates, police officers and lawyers to refer adult defendants with problematic substance use to a 12 week rehabilitation program as part of their bail conditions.Step 1: Go to my.uah.edu. Step 2: Log in using your ChargerID and Password. Step 3: Under the "Financial Aid" tab, select AWARD. Step 4: Click on: AWARD FOR AID YEAR. Step 5: Select Aid Year. Step 6: Go to the tab labeled "Accept Award Offer". Step 7: Click the "Accept All Awards" button or accept the selected award.The Merit Platinum Card has a 0% interest rate on purchases, allowing consumers to carry a balance without paying interest on it. The Horizon Outlet is the … APPLY NOW. If you have less than perfect credit or no credit, then Merit Platinum is perfect for you. $750 Merchandise Credit Line. Bad Credit, No Credit? No Problem! Exclusive Member Benefits. No Employment or Credit Check. Start Shopping Right Away! Fast and Easy Application. AKC Breeder of Merit Platinum Kuranda Dog Beds. About Belquest Conclusion. At age 16, Vicky Creamer (nee Manyette) had saved up enough money to purchase a car, or a dog. She purchased the dog: a black Great Dane, Sir Worthington Black Jack, which she trained to achieve his U.D [Utility Dog] obedience title. In fact, Black Jack became the #1 ...Platinum Ultra is an excellent blend of white clover, wetland and multileaf all soil grazing alfalfa supplemented with Durana Clover and drought resistant forage chicory. It is a premium blend containing beneficial mineral contents, has very good digestibility making it an excellent source of soluble high protein.Horizon Card Services is a company that offers lines of credit to the consumers with imperfect credit history. The Horizon cards are store credit accounts that can be used for shopping online exclusively at their website thehorizonoutlet.com. Horizon Card Services offers a range of merchandise cards, such as popular Merit Platinum Card, the Group …Platinum and platinum-based materials with high catalytic performance, and chemical and mechanical stability are vital to electronic devices, biomedical science, optics, petroleum, and automotive industries. Because of the limited supply and high cost of platinum, it is highly desirable to develop new effective methodologies which can …Meet Merit Platinum Card! This credit card, offered by Horizon Card Services, provides excellent perks to cardholders. With 0% APR on purchases and a 7-day trial period, it shows to be an easy way to raise your credit history. After completing our fast and easy application process, you will receive a $500 merchandise credit line from Merit Platinum. Manage and Protect Your Credit Protect your credit with 24/7 monitoring, annual credit report updates and up to $1,000,000 in Identity Theft Insurance! Merit Platinum is ideal for those who have less-than-perfect or no credit. The fast and easy application process grants access to a $750 merchandise credit line that can be used at exclusively at the Horizon Outlet shopping site.The merit system contains a few similar terms so below is a list of the terms so that you do not get confused. Merit Medals - There are 3 medals you can earn to evaluate and 1(2) earned from war: Common Meritorious Medal, Glittering Meritorious Medal, and Honorable Meritorious Medal are the three to register in the merit system, and Meritorious Medal of …La tarjeta de crédito Merit Platinum es una tarjeta de tienda que ofrece una línea de crédito de $750 en Horizon Outlet ( thehorizonoutlet.com )* por $177,24 al año (facturado mensualmente). Esta tarjeta de crédito informa a tres importantes agencias de crédito, lo que ayuda a construir su crédito. Cuando solicita la tarjeta Merit ...We would like to show you a description here but the site won’t allow us.Along with your Horizon Member Benefits, your Horizon membership offers you additional access to the following services. The Horizon Outlet offers card holders a premium online shopping experience like no other. Selections are updated weekly! Take advantage of our members only privileges and 0% interest today! NEW items added daily!The Merit Platinum Credit Card is a shop card that users can only use at the Horizon Outlet Online Store. It is where customers can buy a variety of things such as toys, apparel, presents, and more. The Merit Platinum card has a $750 credit limit and can help you restore or create credit by providing monitoring services and other benefits.The Super+ Card is a Mastercard from the Super App, which is an app mainly used to book hotels. Their customers have given it great reviews for getting cheaper hotel rates than sites like booking.com and expedia. You need to be a Super App member ($15/month membership fee -which is about the same fee as the Merit Platinum) to get the Super+ …All Merit Based International Scholarships offer exemption from tuition fees payment for the entire academic year which they are assigned for. Art. 1.1 – Platinum and Gol d Scholarships . The amount of the Platinum Scholarships is 10.000€ gross. The amount of the Gold Scholarships is 8.000€ gross. All international students who applyThe Merit Platinum Card is a shopping card that can be used to purchase items available on their website. There are no links to your bank account which is why your approval is guaranteed. The application process is very simple and straight forward. All you have to do is simply fill in an online application form and you are done.Merit Platinum cardholder, you’ll have a starting credit limit of up to $750 with the opportunity to increase it. Show that you’re a responsible card holder by consistently paying your bills on time and maintaining a good credit utilization ratio (don’t use more than 30% of your credit limit). These practices can lead to a higher credit ...1868-71 Peck and Snyder Trade Cards #3 Chicago White Sox 1870. undefined. undefined. undefined. undefined. undefined. 1868-71 Peck and Snyder Trade Cards #4 Mutuals/1870. undefined.Merit Platinum Card: A Review Feature Detail; Credit line: Up to $750* APR: 0%: Annual membership fee: $299.40 ($24.95 per month) One-time account validation …As per Federal Reserve Board, credit cards have an average APR of 15% and it can be as high as 17% for accounts that carry a balance. Having a credit card for shopping with 0% APR is some real deal. If you ever opt for cancellation of the Merit account, you can call Horizon Member Services at 1-800-251-6144. MERIT is the Workforce Registry and official system of record for early learning professionals in Washington State. It is an online system used to record and recognize the growth and achievements of the early learning field statewide. In MERIT, you can build a professional profile to: The information collected helps policymakers identify and ... Merit Platinum is ideal for those who have less-than-perfect or no credit. The fast and easy application process grants access to a $750 merchandise credit line that can be used at exclusively at the Horizon Outlet shopping site.The outcomes of these games are going to determine what rank you’re starting in for the season. These are the PUBG Ranks you can be placed in: Bronze – Less than 1500 Points Needed. Silver – 1500-1999 Points Needed. Gold – 2000-2500 Points Needed. Platinum – 2500-2999 Points Needed. Diamond – 3000-3499 Points Needed.Fees, Rates, & Cost Disclosure. APPLY NOW. If you have less than perfect credit or no credit, then Merit Platinum is perfect for you. $750 Merchandise Credit Line. Exclusive Member Benefits. Start Shopping Right Away!We would like to show you a description here but the site won’t allow us.The National Clinical Impact Award (NCIA) scheme in England and Wales - formerly the National Clinical Excellence Awards (NCEA) scheme - aims to reward the consultants who contribute most to the delivery of safe and high-quality care and the improvement of NHS services. This includes consultants and senior academic GPs who …Once you click “Apply Now”, you will be directed to the issuer or provider’s website where you may review the terms and conditions before applying. While Credit.com always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand ...General Fees. Application Processing Fee. See website for Details*. Monthly Membership Fee. $177.24 annually ($14.77 per month) One time Card Issuance and Account Validation fee. $0. Late Payment Fee. See website for Details*.Merit Score is for growing Merit Mastery Gold / Platinum / Diamond Insignia. Using Merit Medal Exchange Ticket, player can exchange for national medal from designated NPCs. Capella: War Lobby: Contribution Officer – Olivia. Green Despair: Dispatcher Officer – Ahyidereun. Procyon: War Lobby: Contribution Officer – Kyle.Along with your Horizon Member Benefits, your Horizon membership offers you additional access to the following services. The Horizon Outlet offers card holders a premium online shopping experience like no other. Selections are updated weekly! Take advantage of our members only privileges and 0% interest today! NEW items added daily!Group One Platinum Credit Card: Pros and Cons. Here’s a quick glance at all the pros and cons of getting this Group One credit card: Pros. Cons. Fast and easy application. $750 credit limit. 0% APR on purchases. 7-day free trial. No employment or credit check to apply.Discover the finest selection of clover seeds, including perennial and annual types optimized for wildlife food plots at Merit Seed. From AberLasting to Platinum Ladino, our coated and pre-inoculated seeds are designed to enhance soil health, support diverse wildlife, and ensure sustainable growth year-round. Explore high-quality clover options ... The Merit Platinum card is a part of the Horizon Card Services family of credit products. Since 2006, Merit Platinum has since established itself as one of our premier brands with thousands of highly satisfied card holders. Please see Terms and Conditions for specific card features and benefits. General Fees. Application Processing Fee. See website for Details*. Monthly Membership Fee. $177.24 annually ($14.77 per month) One time Card Issuance and Account Validation fee. $0. Late Payment Fee. See website for Details*.The W4 merit shop in the Hyperion Nebula is focused on the skills offered in this space themed world and unlocked after talking to Nebula Neddy and finishing his basic quest to acquire purple mush caps, tv remotes and half eaten donuts from the first 3 monsters of the world. ... Platinum Pickaxe and Plat Hatchet; Plat Fishing Rod and … After completing our fast and easy application process, you will receive a $500 merchandise credit line from Merit Platinum. Manage and Protect Your Credit Protect your credit with 24/7 monitoring, annual credit report updates and up to $1,000,000 in Identity Theft Insurance!
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Marker Bands. 2 band option – Spaced 2 cm apart. 11 and 20 band options – Eleven bands spaced 1 cm apart for a 10 cm segment. Also available with twenty bands spaced 1 cm apart for a 19 cm segment. Four Tip Configurations. Available in Pigtail, straight, Modified Hook and ultra Bolus Flush styles.Changes. 1. ปรับเปลียน item บางอย่างให้ stack ได้ 999. Core Enchancer / Core Superior. Merit Evaluation Order / Merit Evaluation Cancel Order. 2. ปรับเรื่องการส่ง Mail โดย เมื่อมี item หรือ Alz จะสามารถส่งได้ ...Merit Platinum coupon code Get The Latest Deals From Merit Platinum Coupon used: 199 times, Last used about 5 mins ago. Get Deal. Show 1 more Merit Platinum Coupons. Merit Platinum coupon Subscribe Merit Platinum To Unlock Discounts Coupon used: 221 times, Last used about 2 mins ago.Platinum and platinum-based materials with high catalytic performance, and chemical and mechanical stability are vital to electronic devices, biomedical science, optics, petroleum, and automotive industries. Because of the limited supply and high cost of platinum, it is highly desirable to develop new effective methodologies which can …The 2022 Bowman Platinum Baseball checklist has five additional insert sets: Minted in Merit (20 cards), Platinum Plating Die-Cuts (20 cards), Platinum Portfolios (20 cards), Precious Elements (30 ...The 2022 Bowman Platinum Baseball checklist has five additional insert sets: Minted in Merit (20 cards), Platinum Plating Die-Cuts (20 cards), Platinum Portfolios (20 cards), Precious Elements (30 ...A Gold-level AKC Breeder of Merit, Gayle Watkins of Highlands, North Carolina, puts the “purpose” in multi-purpose dogs: Her Gaylan’s Golden Retrievers have earned more than 140 American and ...Aug 18, 2023 · The Merit Platinum Card is one of the few shopping cards that are available in the market that are offering guaranteed acceptance. Unlike other shopping cards, this particular one does not require any credit or employment checks to ensure approval. Approval is guaranteed with this platinum card. The card has been designed to be used as a way to ... Fees, Rates, & Cost Disclosure. APPLY NOW. If you have less than perfect credit or no credit, then Merit Platinum is perfect for you. $750 Merchandise Credit Line. Exclusive Member Benefits. Start Shopping Right Away! Aug 18, 2023 · The Merit Platinum Card is a shopping credit card designed for those shoppers who have limited or no credit. The card offers an instant unsecured credit line of up to $750* with no credit check or employment verification required. All that is needed to apply is to fill out a short online form and pay any applicable fees. The Merit Platinum Card provides people with a bad score what most companies don’t: an unsecured credit line and purchasing power for goods and products. Read our full review to learn how this card can help you. Advertisement . Merit Platinum Card: Get a $750 unsecured credit line to shop at Horizon Outlet! You can have it with Horizon Card Services. Get an unsecured line of credit and the best customer service! Enjoy thousands of products. Apply instantly online now! *See our website for terms and conditions. Finally, I managed to reach the Platinum Insignia of Merit system. It's quite a long way to reach 291,010 Merit Scores! The clip shows you the last batch of ...In the platinum (Pt) group metals are, mainly considered to be (rhodium [Rh], Ru, Pt, and palladium [Pd]) elements, used as a catalyst in a catalytic converter in an automobile. The Pt group metal (PGM) constructions, buildings, designing, and structures have been considered one of the most important functional materials in the fields of ...Fees, Rates, & Cost Disclosure. APPLY NOW. If you have less than perfect credit or no credit, then Merit Platinum is perfect for you. $750 Merchandise Credit Line. Exclusive Member Benefits. Start Shopping Right Away!Merit now is separated into Gold Insignia (Merit 1), Platinum Insignia (Merit 2) and Diamond Insignia (Merit 3). Gold Insignia: Applicable for character at level 170+ in the account, read more about Gold Insignia. Platinum Insignia (Episode 24): Applicable for characters at 200+ in the account, read more about Platinum Insignia. Diamond Insignia …Feb 28, 2022 · To provide advertising and marketing services. For security and fraud detection, and to debug and identify and repair errors to functionality. To verify, maintain, and improve our products and services. To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations. Get equity and participate in our flexible policies around exercising options. We offer fully paid health, dental, vision, life, and short-term disability insurance benefits for all employees and their families. Get your work done where you're most productive. Unlimited PTO & sick days, plus 14 paid holidays. We’re building Merit’s culture ...See Similar Cards. * For complete information, see the terms and conditions on the credit issuer or provider’s website. Once you click “Apply Now”, you will be directed to the issuer or provider’s website where you may review the terms and conditions before applying. While Credit.com always strives to present the most accurate ....