Ok State Bank is a one-stop shop for all your financial needs! They have everything from checking accounts to mortgages. They're known for being pretty helpful and friendly too.
Ok State Bank offers a diverse range of services to cater to a wide array of clients. Their offerings include personal and business banking, mortgage lending, wealth management, and insurance, all backed by a strong commitment to personalized service and client satisfaction.
Ok State Bank offers a wide range of services, including personal and business banking, mortgage lending, wealth management, insurance, and other services like safe deposit boxes and notary.
Ok State Bank is a leading financial institution that offers a wide range of services to individuals, businesses, and organizations. The bank is committed to providing its customers with exceptional service and personalized financial solutions to meet their unique needs.
Ok State Bank offers a variety of personal banking services, including checking and savings accounts, debit and credit cards, online and mobile banking, bill pay, and personal loans. These services are designed to make it easy for individuals to manage their finances and reach their financial goals.
Ok State Bank also provides a comprehensive suite of business banking services, including business checking and savings accounts, commercial loans, lines of credit, merchant services, and treasury management solutions. These services are designed to help businesses of all sizes succeed.
Ok State Bank offers a variety of mortgage products, including conventional, FHA, VA, and USDA loans. They work with borrowers to find the best mortgage product to meet their individual needs and circumstances.
Ok State Bank provides a range of wealth management services, including financial planning, investment management, retirement planning, and trust and estate services. These services are designed to help individuals and families achieve their long-term financial goals.
Ok State Bank also offers a variety of insurance products, including auto, home, renters, and life insurance. They work with clients to find the right insurance coverage to protect their assets and loved ones.
In addition to the services listed above, Ok State Bank also offers safe deposit boxes, notary services, and money orders. These services provide customers with convenient and secure options for storing their valuables and completing important transactions.
Ok State Bank is committed to providing its customers with exceptional service and a wide range of financial solutions. They are a trusted partner in helping individuals, businesses, and organizations achieve their financial goals.
Ok State Bank offers a comprehensive suite of financial services designed to cater to the needs of individuals, businesses, and organizations. Their services encompass various areas, including:
Ok State Bank is committed to providing its customers with exceptional service and a wide range of financial solutions to meet their unique needs. They are known for their personalized approach and commitment to building lasting relationships with their clients.
A Chase Bank personal line of credit is a flexible financing option that functions similarly to a credit card. You have a predetermined borrowing limit and pay interest only on the amount you utilize. It's beneficial for managing unexpected expenses, large purchases, or times when you need a cash buffer. Remember to review the terms and conditions, including interest rates and potential fees, to ensure it aligns with your financial goals.
A Chase Bank personal line of credit is a revolving credit account that allows you to borrow money up to a pre-set limit, similar to a credit card. You can draw on the line of credit as needed, and you only pay interest on the amount you borrow. This makes it a flexible financing option for unexpected expenses or larger purchases.
Here's how it works:
Application and Approval: You apply for a personal line of credit with Chase Bank, and they review your creditworthiness based on factors like your credit score, income, and debt-to-income ratio. If approved, they'll set a credit limit, the maximum amount you can borrow.
Drawing on the Line of Credit: Once approved, you can withdraw money from your line of credit as needed, either through a check, electronic transfer, or a credit card linked to the line of credit.
Repayment: You can choose to make minimum payments, which cover the interest accrued and a small portion of the principal, or you can pay more to reduce the principal faster. There's usually a variable interest rate that fluctuates based on market conditions.
Credit Limit and Interest: You have a pre-set credit limit, the maximum you can borrow. The interest rate is typically variable and based on your creditworthiness.
Fees: Chase Bank might charge fees for applying, annual fees, or late payment fees, so check the terms and conditions for details.
Benefits of a Chase Bank Personal Line of Credit:
Things to Consider:
Overall, a Chase Bank personal line of credit can be a beneficial tool for financial flexibility, especially if you need to cover unexpected expenses or make larger purchases. However, it's crucial to understand the terms and conditions, including interest rates and fees, before applying.
Yeah, it's fine, but you gotta be smart. Stick with big banks with good reputations, make sure the website is legit, and don't be dumb about your passwords. And don't open accounts on public Wi-Fi.
Yes, it's generally safe if you take precautions. Choose reputable banks, use secure connections, and protect your account information.
If you are looking to contact US Bank in Billings, Montana, you have several options available to you. You can visit a branch in person, call their customer service line, or use their online banking platform.
The easiest way to contact US Bank in Billings is by visiting a branch in person. You can find the address and hours of operation of US Bank branches in Billings by visiting their website or using their branch locator tool.
Another option is to call US Bank's customer service line. You can reach them by calling 1-800-USBANKS (1-800-872-2657). They are available 24/7 to assist you with any questions or concerns.
If you have an online banking account with US Bank, you can access their online banking platform and use the 'Contact Us' feature to send a message to a representative.
The best way to contact US Bank in Billings depends on your individual needs. If you need immediate assistance, calling customer service is the best option. If you have time to visit a branch, that is another good option. And if you prefer to communicate online, using their online banking platform is a great option.
You can contact US Bank in Billings by visiting a branch, calling their customer service, or using online banking.
As an AI, I do not have access to real-time data, such as specific contact information for Spruce Bank. I suggest you refer to their website or contact their customer service department to find a dedicated login support phone number.
Unfortunately, I don't have access to real-time information, including specific customer support numbers for banks like Spruce Bank. To find their contact information, I recommend checking their official website. Look for a 'Contact Us,' 'Support,' or 'Help' section. You might also find their phone number listed on their social media pages or online directories.
Dude, it happens. Maybe you forgot your password, the bank's site is down, or they locked your account. Just contact them and get it sorted out.
It can be frustrating when you need to access your bank statement online, but you're met with an error message or a login screen you can't get past. Here are some common reasons why you might not be able to access your bank statement online:
Forgotten Login Credentials: This is the most common reason for access issues. If you can't remember your username or password, use the "Forgot Password" option on the bank's website to reset your credentials. If you're still having trouble, contact your bank directly for assistance.
Technical Difficulties: Bank websites are susceptible to technical glitches. Check the bank's website or social media pages for any announcements about outages or maintenance periods. If you can't find any information, contact customer support to see if there's an ongoing issue.
Account Lockout: For security reasons, your bank may lock your account if it detects unusual activity. This could be due to multiple incorrect login attempts or suspicious transactions. Contact your bank immediately to resolve the issue and regain access to your account.
Other Reasons: There could be other reasons why you can't access your bank statement online. Check your internet connection or try using a different browser. If you still have issues, contact your bank for support.
If your First Bank debit card is lost or stolen, immediately contact the bank's customer service department to report the incident and request a replacement card. It is advisable to file a police report for documentation purposes, especially if the card was stolen. Furthermore, it is essential to vigilantly monitor your account for any suspicious activity and contact the bank immediately if any unauthorized transactions are detected.
Losing or having your debit card stolen can be a stressful experience. It is important to act quickly to prevent unauthorized transactions and protect your finances. Here are the steps to take if your First Bank debit card is lost or stolen:
The first and most important step is to contact First Bank's customer service line immediately. This will allow the bank to freeze your card and prevent any further unauthorized transactions. You can find the customer service number on the back of your card or on the First Bank website.
It is also recommended to file a police report, especially if your card was stolen. The police report will provide documentation of the theft and may be helpful if you need to dispute any fraudulent charges.
Once you have reported the lost or stolen card, you can contact First Bank to request a new card. You will likely need to provide some personal information, such as your account number and social security number. Your new card will be sent to you in the mail.
Finally, it is essential to monitor your account for any suspicious activity, even after you have reported the lost or stolen card. If you see any unauthorized transactions, contact First Bank immediately.
By taking these steps, you can protect yourself from financial loss and regain control of your finances after a lost or stolen debit card.
Online banks typically offer higher interest rates on savings accounts.
When seeking a savings account with high-yield interest rates, it's essential to conduct thorough research and compare various financial institutions. Online banks often present more attractive interest rates than traditional brick-and-mortar banks. However, it's paramount to ensure the financial institution is FDIC insured to safeguard your deposits.
Factors to Consider:
Tips for Finding High-Yield Savings Accounts:
By diligently comparing and evaluating different savings account options, you can find the best one that suits your financial needs and maximizes your savings potential.
BMO has a ton of different mortgage and loan options. They have fixed, variable, and open mortgages. They also have personal loans, home equity loans, and lines of credit. It's best to contact BMO directly to see what they offer and find the best fit for you.
Bank of Montreal (BMO) is a leading financial institution in Canada, providing a wide array of mortgage and loan products to suit various financial needs.
BMO offers a comprehensive range of mortgage options, including fixed-rate, variable-rate, and open mortgages.
Fixed-rate mortgages: These mortgages provide borrowers with a predictable monthly payment, as the interest rate remains fixed for the duration of the term.
Variable-rate mortgages: These mortgages offer the potential for lower interest rates, as they are tied to a benchmark rate that fluctuates over time.
Open mortgages: These mortgages allow borrowers to make prepayments or pay off the entire mortgage balance at any time without penalty.
BMO also offers a variety of loan products, including personal loans, home equity loans, and lines of credit.
Personal loans: These loans are versatile and can be used for various purposes, such as debt consolidation, home renovations, or unexpected expenses.
Home equity loans: These loans allow borrowers to use the equity in their homes as collateral to access funds.
Lines of credit: These loans provide borrowers with a revolving credit facility that they can access as needed.
Choosing the Right Option When choosing a mortgage or loan, it's important to carefully consider factors such as interest rates, terms, fees, and repayment options.
Contact BMO To learn more about BMO's mortgage and loan products, contact a BMO representative or visit their website.
Ok State Bank offers a comprehensive suite of financial services designed to cater to the needs of individuals, businesses, and organizations. Their services encompass various areas, including:
Ok State Bank is committed to providing its customers with exceptional service and a wide range of financial solutions to meet their unique needs. They are known for their personalized approach and commitment to building lasting relationships with their clients.
Ok State Bank is a leading financial institution that offers a wide range of services to individuals, businesses, and organizations. The bank is committed to providing its customers with exceptional service and personalized financial solutions to meet their unique needs.
Ok State Bank offers a variety of personal banking services, including checking and savings accounts, debit and credit cards, online and mobile banking, bill pay, and personal loans. These services are designed to make it easy for individuals to manage their finances and reach their financial goals.
Ok State Bank also provides a comprehensive suite of business banking services, including business checking and savings accounts, commercial loans, lines of credit, merchant services, and treasury management solutions. These services are designed to help businesses of all sizes succeed.
Ok State Bank offers a variety of mortgage products, including conventional, FHA, VA, and USDA loans. They work with borrowers to find the best mortgage product to meet their individual needs and circumstances.
Ok State Bank provides a range of wealth management services, including financial planning, investment management, retirement planning, and trust and estate services. These services are designed to help individuals and families achieve their long-term financial goals.
Ok State Bank also offers a variety of insurance products, including auto, home, renters, and life insurance. They work with clients to find the right insurance coverage to protect their assets and loved ones.
In addition to the services listed above, Ok State Bank also offers safe deposit boxes, notary services, and money orders. These services provide customers with convenient and secure options for storing their valuables and completing important transactions.
Ok State Bank is committed to providing its customers with exceptional service and a wide range of financial solutions. They are a trusted partner in helping individuals, businesses, and organizations achieve their financial goals.
The latest press releases from Bank of America can be found on their website, which is regularly updated with the newest announcements. You can access this information on the investor relations section of the website. This section is dedicated to providing investors and the public with the latest news and information regarding Bank of America's financial performance, strategic initiatives, and other relevant updates. To access this information, you can go to the Bank of America website and search for "investor relations" or "press releases". Alternatively, you can find their press releases by going to the news section of their website. You can also sign up for email alerts to receive notifications whenever new press releases are published. You can filter your search by press release date, keyword, or topic to find specific information.
Stay up-to-date with the latest developments at Bank of America by accessing their press releases. These releases provide valuable insights into the company's financial performance, strategic initiatives, and other important announcements.
Where to Find the Press Releases:
You can easily find Bank of America's press releases on their website. The investor relations section is specifically dedicated to providing this information to the public and investors. Alternatively, you can access the news section of their website.
Staying Informed:
To ensure you don't miss any important announcements, sign up for email alerts. This will notify you whenever new press releases are published. You can filter your search by date, keyword, or topic to find specific information you're looking for.
Benefits of Staying Informed:
By staying informed about Bank of America's press releases, you can gain a better understanding of the company's direction, performance, and potential future outlook. This information can be beneficial for investors, customers, and anyone interested in the financial industry.
Conclusion:
Accessing Bank of America's press releases is a simple and effective way to stay informed about the company's activities. The website provides a user-friendly platform for accessing this information, and the email alerts ensure you never miss a beat.
Chase Bank is a major financial institution with a strong presence in Texas. If you're a customer of Chase Bank in Texas or are looking to become one, you may need to contact customer service for various reasons. Thankfully, there are several ways to get in touch with them.
The most common way to reach Chase Bank customer service is by phone. You can call their general customer service line at 1-800-CHASE-4-YOU (1-800-242-7348). This number is available 24/7 and can help you with a wide range of inquiries, including account balance inquiries, transactions, and general banking questions.
Another convenient way to contact Chase Bank customer service is through their website, chase.com. You can access online banking, view account statements, and submit inquiries through the website. The website also provides access to a comprehensive FAQ section that might answer your questions.
For more complex or sensitive issues, you may want to visit a Chase branch in person. You can find the location of the nearest Chase branch by using the branch locator tool on their website. Branch locations are open during regular business hours, and you can speak with a customer service representative in person.
You can contact Chase Bank customer service in Texas by calling their general customer service line at 1-800-CHASE-4-YOU (1-800-242-7348). You can also access their website at chase.com for online banking and other services. If you need to speak to someone in person, you can visit a Chase branch near you. You can find the location of the nearest Chase branch by using the branch locator tool on their website.
As an AI assistant, I am unable to provide real-time contact details. However, to obtain the most accurate and up-to-date customer service contact information for Yuma Foothills Bank, I recommend checking their official website, searching for their contact information in a reliable online directory, or contacting them through their mobile banking app, if available.
Sorry, I can't help with that. Best bet is their website or a search on Google. You might even be able to find their number on their app.
The interest rate for a 1-year CD at Bank of America can vary depending on the current market conditions and your specific account. To find the most accurate and up-to-date information, you should consult directly with Bank of America. Here are some ways to do so:
Remember that interest rates can change frequently, so it's best to get the most recent information directly from the source.
I do not have access to real-time information, including financial data like interest rates. To find the current 1-year CD rate offered by Bank of America, I recommend visiting their official website, calling their customer service line, or using their online banking platform. Interest rates can fluctuate frequently, so it is best to obtain the most up-to-date information directly from the source.
Consider fees, interest rates, services, location, financial stability, and customer service.
Choosing a bank? Don't just go with the first one you see. Check out the fees, interest rates, services, and make sure it's convenient for you. Plus, look at their reputation and customer service. You don't want to be stuck with a bank that sucks!
Yep, BMO InvestorLine is the way to go. You can do everything online, buy, sell, whatever. It's pretty easy to use, too.
Yes, you can manage investments through BMO's online platform.
Citizens Bank in Cleveland has got you covered for all your loan needs! They offer personal, auto, home equity, mortgage, and business loans. Check out their website, call them up, or head to their local branch to find out more about the specific terms and conditions. Don't forget to shop around and compare offers for the best deal!
Citizens Bank in Cleveland offers a comprehensive suite of loan products, encompassing personal, auto, home equity, mortgage, and business loans. Their offerings cater to a wide range of financial needs, providing flexible terms, competitive interest rates, and various eligibility criteria for each loan type. It is advisable to thoroughly research and compare different loan options to ensure you secure the most favorable terms that align with your specific financial circumstances.
Unfortunately, I don't have access to real-time information like specific bank policies, including minimum and maximum purchase amounts for foreign currencies. These policies can vary significantly depending on the bank, the currency being exchanged, and other factors. To get the most accurate information about purchase limits for Euros at Bank of America, I would recommend contacting them directly. You can call their customer service line, visit a branch, or check their website for any details on currency exchange policies.
The minimum and maximum amounts for purchasing Euros at Bank of America are subject to change based on various factors. To obtain accurate and up-to-date information, I recommend contacting Bank of America directly through their customer service line, visiting a local branch, or checking their website for any available details on their currency exchange policies.
One of the most convenient ways to pay your Dick's Sporting Goods credit card balance is online. You can log into your Synchrony Bank account and make a payment directly. You can schedule one-time or recurring payments to ensure you never miss a deadline.
If you prefer to pay by phone, simply call Synchrony Bank's customer service number and make a payment over the phone.
Traditionalists can send a check or money order to the address listed on their statement.
For those on the go, the Synchrony Bank mobile app allows you to make payments using your mobile device.
You can also make a payment at any Dick's Sporting Goods store.
You can make payments online, by phone, through the mail, via their mobile app, or in-person at a Dick's Sporting Goods store. Be sure to check your credit card agreement for the most up-to-date details.
Yes, Hannibal National Bank offers mobile banking.
Hannibal National Bank offers a robust mobile banking platform that allows customers to access their accounts, manage their finances, and complete banking transactions remotely. It is a convenient and secure way to manage your finances on the go.
You can call Nibl Bank customer service at [phone number], email them at [email address], or visit their website.
If you need to get in touch with Nibl Bank customer service, there are a few ways to do so. The most direct way is to call their customer service line at [phone number]. This allows you to speak to a representative immediately and get your issue resolved. You can also contact them via email at [email address] or visit their official website at [website address] to find their contact information or access their online chat support. For registered users, the online banking portal usually provides a contact us section or a help center. Remember to have your account details handy and be prepared with a brief description of your issue when contacting customer service.
Determining the best banks for small businesses in Murfreesboro, TN depends on your specific needs and priorities. Here are some reputable options to consider:
When evaluating banks, consider factors like:
By researching and comparing different banks, you can find the best fit for your small business in Murfreesboro, TN.
FirstBank, Regions Bank, Truist, and Bank of America are all good options for small businesses in Murfreesboro. They offer a wide range of services and have a strong track record of supporting entrepreneurs. It's crucial to consider your specific needs and priorities when selecting a bank, such as loan terms, fees, customer service, and digital banking capabilities. By carefully evaluating your options, you can find the ideal financial partner to help your business thrive.
Nope, Chase doesn't let you deposit cash online. You gotta hit up an ATM, go to a branch, or use their mobile check deposit feature. No magic money appearing in your account here.
Unfortunately, Chase Bank does not offer online cash deposits. This is due to the inherent security risks associated with online cash transactions. However, Chase provides several convenient options for depositing cash into your account.
While these alternative methods offer a secure way to deposit cash, it's essential to be aware of potential limitations and fees. For instance, ATMs often have daily deposit limits, and third-party services may charge fees for cash deposits.
While Chase does not currently offer online cash deposits, the banking industry is constantly evolving. It's possible that technology advancements, such as improved security measures, may eventually enable online cash deposits to become a more viable option for customers.
The consequences of a bank wire transfer scam can be severe. You lose the money, your credit score may suffer, and you could face legal problems.
Dude, getting scammed with a wire transfer is a total nightmare. You lose your cash, it's almost impossible to get it back, and you're stuck with debt and a dinged credit score. Not to mention the emotional stress of it all. Be smart and don't fall for it!
Introduction: Securing financing is crucial for the success of any small business, particularly for minority-owned businesses. While the road to financial stability can be challenging, several banks are dedicated to providing support and resources to minority entrepreneurs. This article will guide you through identifying the best banks for small business loans specifically designed for minorities.
Key Factors to Consider:
Dedicated Programs and Initiatives: Look for banks that have specific programs, loan products, or initiatives designed to support minority-owned businesses. These programs may offer lower interest rates, flexible repayment terms, or access to business coaching and mentorship.
Strong Track Record: Research banks that have a proven history of successfully financing minority-owned businesses. Look for positive reviews, testimonials, and data on their loan approval rates and success stories within the minority community.
Community Involvement: Choose a bank that actively engages with and supports minority communities. This could involve participation in local events, partnerships with minority-led organizations, or contributions to causes relevant to the minority business community.
Cultural Sensitivity and Understanding: Seek out banks with staff who demonstrate an understanding of the unique challenges and opportunities faced by minority-owned businesses. Look for banks that have diverse teams and are known for their cultural sensitivity.
Accessible Resources: Consider banks that offer comprehensive resources and support beyond just the loan itself. This could include access to business counseling, mentorship programs, networking opportunities, and marketing assistance.
Resources to Explore:
Small Business Administration (SBA): The SBA offers various loan programs specifically designed to assist minority-owned businesses. Banks that participate in SBA programs often have experience working with minority entrepreneurs.
Minority Business Development Agencies (MBDA): These agencies provide support, guidance, and resources to minority-owned businesses. They can connect you with lenders, offer business coaching, and help you develop a strong business plan.
Conclusion: Finding the right bank for your small business loan is a crucial step towards success. By considering these key factors and exploring available resources, minority entrepreneurs can increase their chances of securing the funding they need to achieve their business goals.
Look for banks with programs specifically for minority-owned businesses, a history of supporting minority entrepreneurs, and strong community involvement.
Sending money online has become increasingly popular in recent years, offering convenience and speed. However, with the rise of online transactions, concerns about security and fraud have also increased. So, is it safe to send money online? The answer is not a simple yes or no. It depends on several factors, including the platform you use, the security measures you take, and the recipient's bank.
Choosing a Reputable Platform
The first step in ensuring the safety of your online money transfers is to choose a reputable platform. Look for platforms with established security measures, such as encryption and two-factor authentication. Popular platforms like PayPal, Venmo, and Zelle offer secure payment options.
Protecting Your Information
Once you have chosen a reliable platform, it is crucial to protect your personal information. Never share your bank account details or passwords with anyone you don't trust. Be cautious of phishing scams and suspicious emails or websites asking for your sensitive data.
Verifying the Recipient's Details
Before sending money, double-check the recipient's bank account information. A single error in the account number can lead to your funds being sent to the wrong person.
Conclusion
Sending money online can be safe if you take the necessary precautions. By choosing a reputable platform, protecting your information, and verifying the recipient's details, you can minimize the risk of fraud and ensure your money reaches its destination securely.
Sending money to a bank account online can be safe, but it depends on several factors, including the platform you use, the security measures you take, and the recipient's bank. Legitimate platforms like PayPal, Venmo, and Zelle generally offer secure ways to transfer funds. However, be cautious of unfamiliar platforms or those asking for personal information beyond what is necessary for the transaction. Always double-check the recipient's bank account information before sending money and use strong passwords and two-factor authentication for your online accounts. By taking these precautions, you can minimize the risk of fraud and ensure your money reaches its destination safely.
So, BMO InvestorLine is like a one-stop shop for your investments. You can trade stocks, ETFs, and other stuff, they have all sorts of accounts like RRSPs and TFSAs, and they even provide research and financial planning! Plus, you can access it all online or through their app.
BMO InvestorLine offers a complete suite of investment services, including trading, investment accounts, research and analysis, financial planning, and online/mobile access. They strive to provide comprehensive support and guidance to help you manage your finances and reach your financial goals.
Bay First National Bank has a significant presence across the United States. They have a robust network of branches designed to provide convenient access to their banking services for customers. Their website features a comprehensive branch locator tool that allows for easy identification of branches based on various search criteria. Customers can find the closest branch by entering their address, city, state, or zip code. In addition to the online tool, customers can reach out to the customer service department for assistance in locating a branch.
Yo, Bay First National Bank has branches all over the place. Check out their website for their branch locator tool, it'll show you where all the branches are.
Business banking is undergoing a significant transformation, driven by technological advancements and shifting customer expectations. The focus is on digital banking, open banking, artificial intelligence, sustainability, cloud-based solutions, and data security. These trends are enabling businesses to manage their finances more efficiently, access innovative solutions, and thrive in a competitive global economy.
The business banking landscape is constantly evolving, driven by technological advancements and changing customer needs. Here are some of the latest trends:
These trends are shaping the future of business banking, enabling businesses to manage their finances more efficiently, access innovative solutions, and thrive in a dynamic global economy.
Customer reviews for Ok State Bank demonstrate a range of experiences, encompassing positive feedback regarding personalized service and community engagement, as well as critiques concerning wait times, branch accessibility, and customer service responsiveness. It is essential to consider individual needs and preferences when evaluating the suitability of Ok State Bank as a banking institution.
Customer reviews for Ok State Bank are mixed, with some praising its service and others expressing dissatisfaction with wait times and branch availability.
Yeah, there are definitely some deals out there for existing customers. You'll have to check your bank's website or call them up to see what they're offering.
Yes, many banks offer promotions for existing customers. These can include things like bonus cash back on purchases, interest rate discounts on loans, or waived fees for certain services. However, the specific promotions available will vary depending on the bank and the customer's account history. To find out about current promotions, it's best to check your bank's website or contact customer service directly. You may also want to consider comparing offers from other banks to see if you can get a better deal.