Ml direct deposit progrm

Effective September 2, 2014, the annual deposit fee Merrill Lynch receives from Merrill Lynch Affiliated Banks for each account with uninvested cash balances swept under the following programs will change: • For the Merrill Lynch Bank Deposit Program, Merrill Lynch Business Deposit Program and Merrill Lynch Direct Deposit Program, the fee ...

Ml direct deposit progrm. The bank routing number identifies a financial institution where a deposit. It’s used for making direct deposits and for sending money out of your account via a check or automated ...

Merrill Lynch Bank Deposit Program (MLBDP) A convenient way to earn interest on cash with the added protection of Federal Deposit Insurance Corporation (FDIC) protection, up to standard limits. Uninvested cash is placed on deposit with Bank of America, N.A., and/or Bank of America California, N.A. (Merrill Affiliated Banks).

The Weekend Brief looks at how the swelling deposits of major US banks end up contributing to fossil fuel expansion and carbon in the air. The four biggest US banks—Citi, Wells Far...Learn more about high-yield deposits. Highlighted Features. e-Sign. Send a secure message, set an appointment, e-sign documents and stay in touch with your advisor. See how it works. Mobile check deposit. Use the camera on your mobile devices to deposit checks from almost anywhere. View demo.& Direct Deposit to IRA/IRRA ® /Roth IRA/Coverdell ESA Please return this form to your employer. Your employer must be able and willing to accept electronic fund transfers through the Automated Clearing House (A C H). If you have any questions about your employer's AC H capabilities, please contact your employer.Fee Waiver Program 38 About the Merrill Lynch Bank Deposit Program 41 Margin Truth-in-Lending Disclosure Statement 48 Securities-Based Loan Disclosure Statement 51 Margin Risk Disclosure Statement 54 Appendix: CMA Account Fees 55 The following pages contain the disclosures and agreement governing your CMA Account, includingEffective September 2, 2014, the annual deposit fee Merrill Lynch receives from Merrill Lynch Affiliated Banks for each account with uninvested cash balances swept under the following programs will change: • For the Merrill Lynch Bank Deposit Program, Merrill Lynch Business Deposit Program and Merrill Lynch Direct Deposit Program, the fee ...Page 8 of 17 The Vendor File Form page will open where you will begin your Direct Deposit Enrollment.This Enrollment has 5 specific sections – 1. Tax ID Information, 2.Payee Information, 3. Address/Bank Information, 4.Add Authorized Representative Contact/s, and 5.Review.To track your progress, the form highlights the stage you are in with a visual …

Merrill Lynch Direct Deposit Program. The deposit of checks, the sale of securities and other activity generate cash in your account. Available cash balances are automatically swept into bank deposit accounts with Bank of America, N.A. (under the Merrill Lynch Direct Deposit Program). Until that time, your cash balances will not earn interest.Yup, they are oddly unsophisticated, and in important ways, I think. If ML were not hardwired w/ BoA (where we have checking / savings / mortgage / heloc / 3% credit card sort of), and above all did not have free trading, and did not pay so much for accounts transferred into them (I guess the same as other places, turns out), I would move everything back to Fido.A minimum of $5.00 and a maximum of $10,000 in un-allotted current pay and allowances may be deposited to your SDP account. Deposit amounts outside of this range will be rejected by the SDP system. SDP Interest compounds monthly and is paid quarterly at a rate of 10% on balances of up to $10,000.Merrill Lynch, Pierce, Fenner & Smith Incorporated (“Merrill”) is making available to its customers certificates of deposit (“CDs”) of various U.S. depository institutions (each, an “Issuer”). Each CD is a deposit obligation of an Issuer domiciled in the United States or one of its territories, the deposits and accounts of which are ...The interest rates you earn for the MLBD Program, Merrill Lynch Business Deposit Program, Merrill Lynch Direct Deposit Program, RASP and RASP II will not be …

Edit, sign, and share ml deposit slip online. No need to install software, just go to DocHub, and sign up instantly and for free. Home. ... 23 ratings. 15,005. 10,000,000+ 303. 100,000+ users . Here's how it works. 01. Edit your what is ml direct deposit program online. Type text, add images, blackout confidential details, add comments ...These are the Green Dot reload locations to choose from -- more than 15 options, local to most. Plus, we explain exactly how to reload your card. Green Dot prepaid cards are reload...1 The Merrill Lynch Bank Deposit Program (MLBDP) for SDB accounts provides you with access to a bank deposit account solution within a brokerage account for short-term cash management. It also provides FDIC coverage up to $250,000, per depositor, per bank, per ownership category and utilizes the Tier 4 rate.Sales of ETFs are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs and mutual funds. To learn more about pricing, visit our Pricing page. 1 Merrill waives its commissions for all online stock, ETF and option trades placed in a Merrill Edge ® Self-Directed brokerage ...

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Once you're logged into your account, you can use Merrill's fixed income Screener under the Research tab to search for CDs to purchase. Use pre‑defined search parameters or select your own criteria to find the CDs that align with your preferences. If you already know the CUSIP number or issuer of the CD you want to purchase, you can go ...through the Merrill Lynch Bank Deposit Program (MLBDP) Merrill Lynch historically has offered promotional rates for the Merrill Lynch Bank Deposit Sweep program. When your account was enrolled, Merrill Lynch mailed a confirmation letter, outlining the rules of the program. Those rules stated that annual percentage yields on1 The Merrill Lynch Bank Deposit Program (MLBDP) for SDB accounts provides you with access to a bank deposit account solution within a brokerage account for short-term cash management. It also provides FDIC coverage up to $250,000, per depositor, per bank, per ownership category and utilizes the Tier 4 rate.Checking. Savings. (Check One) Attach a voided check for each bank account to which funds should be deposited (if necessary) _____________________ [Company Name] is hereby authorized to directly deposit my pay to the account listed above. This authorization will remain in effect until I modify or cancel it in writing. Merrill Lynch Direct Deposit Program. The deposit of checks, the sale of securities and other activity generate cash in your account. Available cash balances are automatically swept into bank deposit accounts with Bank of America, N.A. (under the Merrill Lynch Direct Deposit Program). Until that time, your cash balances will not earn interest. If you’re receiving Supplemental Security Income (SSI) payments, you may be wondering if there’s a more convenient way to receive your benefits. Fortunately, switching to SSI direc...

Merrill Lynch Direct Deposit Program. The deposit of checks, the sale of securities and other activity generate cash in your account. Available cash balances are automatically swept into bank deposit accounts with Bank of America, N.A. (under the Merrill Lynch Direct Deposit Program). Until that time, your cash balances will not earn interest.Effective September 2, 2014, the annual deposit fee Merrill Lynch receives from Merrill Lynch Affiliated Banks for each account with uninvested cash balances swept under the following programs will change: • For the Merrill Lynch Bank Deposit Program, Merrill Lynch Business Deposit Program and Merrill Lynch Direct Deposit Program, the fee ...ML DIRECT DEPOSIT PROGRM Owner(s) Name: LUPIAN MELANIE Reported Owner Address: 634 E ROUTE 66 APT 30 GLENDORA, CA 91740 ... Please note, if this property is stock or the contents of a safe deposit box, the SCO is required by law to sell the property after a specified time. However, you or your heirs will always be entitled to the …ML DIRECT DEPOSIT PROGRM Owner(s) Name: METOYER BONNIE M METOYER ROGER F Reported Owner Address: ... Please note, if this property is stock or the contents of a safe deposit box, the SCO is required by law to sell the property after a specified time. However, you or your heirs will always be entitled to the net proceeds of the sale.Updated for 2023.Merrill Rand is a self-directed brokerage pole from Bank of America and Merrill Lynch. They have a decent broker overall, but honestly who only reason I keep my account open with them is into qualify for its Preferably Rewards Platinum tier, which allows me an efficient 2.6% cash behind credit bill (offsets any travel purchase) as long while I preserve a Merchant Edge ...With Preferred Deposit, your money is placed by Merrill Lynch into a deposit account with Bank of America, N.A., where it will earn interest. You can benefit from a competitive yield to help you optimize the cash you may need for your goals. For current rate information, visit mymerrill.com or contact your Merrill Lynch financial advisor.Annual custodial fee, includes loan maintenance fee, 25 basis points min $60 ($80 for profit sharing and money purchase with 1 plans) max $100. Annual. Prototype plan fee, $50 per plan type (profit sharing and money purchase) Annual (Plan Sponsor Only) Duplicate Statement. BIA, WCMA, WCMA SUB.If you’re receiving Supplemental Security Income (SSI) payments, you may be wondering if there’s a more convenient way to receive your benefits. Fortunately, switching to SSI direc...

Register and sign in. Create a free account, set a secure password, and go through email verification to start working on your templates. Upload a document. Click on New Document and select the form importing option: upload Ml deposit slip from your device, the cloud, or a protected URL. Make changes to the template.

Understanding CD fundamentals. A CD is a time deposit, issued by a bank or savings association. You deposit funds with the financial institution for a specified length of time, and in exchange you earn a specified rate of interest on your deposit. That interest is generally paid to you in regular intervals during the term of the CD.At its I/O developers conference, Google today announced its new ML Hub, a one-stop destination for developers who want to get more guidance on how to train and deploy their ML mod...The Bank of America Preferred Rewards program offers real benefits and rewards on your everyday banking and investing. And as your qualifying Bank of America® deposit accounts and/or Merrill® investment balances grow, so do your benefits. Your benefits are based on your tier, and your tier is based on the qualifying combined balances in your ...the Merrill Lynch investment advisory program you select will be described in additional documentation that will be provided to you or a participant, as applicable. This will include a separate agreement that you or the participant, as applicable, are required to sign and return to Merrill Lynch. (b) Money Account SweepMerrill Guided Investing has an annual program fee of 0.45% based on the assets held in the account. This fee is charged monthly in advance. In addition to the annual program fee, the expenses of the investments will vary based on the specific funds within each portfolio. Actual fund expenses will vary; please refer to each fund’s prospectus.ML DIRECT DEPOSIT PROGRM Owner(s) Name: SANDERS KRIS A Reported Owner Address: 741 11TH AVE SAN DIEGO, CA 92101 ... Please note, if this property is stock or the contents of a safe deposit box, the SCO is required by law to sell the property after a specified time. However, you or your heirs will always be entitled to the net proceeds of …Deposit amount will be full net amount of pay into either your checking/savings account. If changing your account type, bank and or account number, you will receive a payroll check until new direct deposit becomes effective. Do not send a voided blank check. Send completed form to: Central Payroll Bureau, P.O. Box 2396, Annapolis, MD 21404.This is a non-sweep product – an order must become entered for all transactions (deposits and withdrawals). Please contact insert representative for additional information. Merrill Lynch Direct Deposit Program. 27) In your Merrill Edge Self-Directed CMA Account, provided thou do not choose the No Sweep option, cash balances of $1 or ...Updated for 2023.Merrill Rand is a self-directed brokerage pole from Bank of America and Merrill Lynch. They have a decent broker overall, but honestly who only reason I keep my account open with them is into qualify for its Preferably Rewards Platinum tier, which allows me an efficient 2.6% cash behind credit bill (offsets any travel purchase) as long while I preserve a Merchant Edge ...

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“Merrill’s [direct deposit] sweep accounts pay investors a paltry 0.05% to 0.14% annual percentage yield,” Sarah Valelly charged in the complaint filed on Tuesday in federal court in New ...Preferred Rewards Program Eligibility.You can enroll, and maintain your membership, in the Bank of America Preferred Rewards ® program if you have an active, eligible personal checking account with Bank of America ® and maintain the balance required for one of the balance tiers. The balance tiers are $20,000 for the Gold tier, $50,000 for the Platinum …To enroll in the Direct Deposit Service for corporate, state or local government payroll, pension, annuity and treasury direct payments, follow the instructions below. Note: Do …1 The Merrill Lynch Bank Deposit Program (MLBDP) for SDB accounts provides you with access to a bank deposit account solution within a brokerage account for short-term cash management. It also provides FDIC coverage up to $250,000, per depositor, per bank, per ownership category and utilizes the Tier 4 rate.Early Stimulation Programme (ESP) Social Intervention Programme (SIP) National Insurance Fund (NIF) Close; Profiles. Hon. Pearnel Charles, Jr. Dr. Hon. Norman Dunn; ... Direct Deposit Application Form. Ministry Stories. MLSS Newsletter November 5, 2021. PATH Top Achievers 2018 January 1, 2019. JIS MINISTRY OFMerrill Edge Self-Directed CMA Merrill Lynch Direct Deposit Program FIA Clients with $250,000 or more in eligible statement-linked assets may also designate one of the following as an automatic cash sweep option: • BIF Tax-Exempt Fund • A State Fund under the BIF Multi-State Municipal Series Trust Merrill Edge Self-Directed IRA, ROTH, Rollover,Fee Waiver Program 38 About the Merrill Lynch Bank Deposit Program 41 Margin Truth-in-Lending Disclosure Statement 48 Securities-Based Loan Disclosure Statement 51 Margin Risk Disclosure Statement 54 Appendix: CMA Account Fees 55 The following pages contain the disclosures and agreement governing your CMA Account, includingUse the camera on your mobile devices to deposit checks from almost anywhere. View demo. Go paperless. Check on your statements, tax documents and other notices online without risking exposure to the mail system. Learn more … Effective September 2, 2014, the annual deposit fee Merrill Lynch receives from Merrill Lynch Affiliated Banks for each account with uninvested cash balances swept under the following programs will change: • For the Merrill Lynch Bank Deposit Program, Merrill Lynch Business Deposit Program and Merrill Lynch Direct Deposit Program, the fee ... Many employers no longer provide payroll checks with stubs. These days, the majority of employees receive their pay via direct deposit. That means you may never see your checks, bu... ….

Merrill Lynch Life Agency Inc. ("MLLA") is a licensed insurance agency and wholly owned subsidiary of BofA Corp. Trust and fiduciary services are provided by Bank of America, N.A., Member FDIC, or U.S. Trust Company of Delaware. Both are wholly owned subsidiaries of BofA Corp.Annual custodial fee, includes loan maintenance fee, 25 basis points min $60 ($80 for profit sharing and money purchase with 1 plans) max $100. Annual. Prototype plan fee, $50 per plan type (profit sharing and money purchase) Annual (Plan Sponsor Only) Duplicate Statement. BIA, WCMA, WCMA SUB.the Merrill Lynch Bank Deposit (“MLBD”) Program and Merrill Lynch Direct Deposit Program, and up to $85 per year for each account that sweeps to RASP or RASP II. Merrill Lynch receives up to $100 per year from MLBTC for each account that sweeps to the International Bank Variable Rate Deposit Facility and a fee of up to 2% per annum ofThrough the Raymond James Bank Deposit Program (RJBDP), uninvested cash in your brokerage account is deposited into interest-bearing deposit accounts at multiple banks, as described in the "Bank Priority Lists" section below. ... (CIP), whereby cash balances that are not deposited into RJBDP will be directed to CIP. CIP … Merrill statements have received top industry recognition for over 15 years. The statement was recently recognized in Corporate Insights’ Broker Monitor – Annual Statement Analysis1 for providing a robust statement with well-designed graphics and excellent delivery capabilities. In addition, the Merrill statement has consistently received ... These are the Green Dot reload locations to choose from -- more than 15 options, local to most. Plus, we explain exactly how to reload your card. Green Dot prepaid cards are reload...Enroll in a Merrill Lynch-managed program, which comes with its own set of fees. Own at least $5 million in total Merrill assets. Have a direct deposit total of at least $2,000 across your Merrill accounts and Bank of America personal checking accounts for three consecutive months.Merrill Lynch Direct Deposit Program, which will become your new Sweep Option on the Liquidation Date. The Annual Percentage Yield (APY) in the Merrill Lynch Direct Deposit Program will be 1.59% for six months from the Liquidation Date, after which time it will revert the then-current APY for the Merrill Lynch Direct Deposit Program. Ml direct deposit progrm, Gradient Descent with Regularization. Gradient Descent with Regularization is an optimization algorithm commonly used in machine learning to train models with improved performance and reduced overfitting. Regularization is a technique that adds a penalty term to the loss function during model training, which helps control the …, Merrill Lynch Direct Deposit Program, which will become your new Sweep Option on the Liquidation Date. The Annual Percentage Yield (APY) in the Merrill Lynch …, Retirement Bank Account (“RBA”) is a demand deposit account — an interest-bearing bank account (“Bank Account”) that you can include as an option in your qualified retirement plan. This choice provides. you with a new way to save — a way that is insured by the Federal Deposit Insurance Corporation (“FDIC”) up to applicable ..., You can get many other federal payments by Direct Deposit (EFT) that are not part of the GoDirect® or DirectExpress® programs. For payments to benefit recipients, contact your financial institution or call 1-800-333-1795 (English) / 1-800-333-1792 (Spanish) or visit www.GoDirect.gov., By default, all accounts with Merrill Edge are signed up for the Merrill Lynch Bank Deposit Program. This is the company’s FDIC-sweep program. The way it works is really simple: cash that isn’t invested is moved to the broker’s parent company, Bank of America, where it is protected by the FDIC up to program limits., Merrill Lynch Direct Deposit Program 0.01% Merrill Lynch Direct Deposit Program --- Tier 63 5.16% Preferred Deposit for Business®5, 6 4.71% 1Assigned to eligible accounts enrolled in the following investment advisory programs: (1) the Merrill Lynch Investment Advisory Program,, Yup, they are oddly unsophisticated, and in important ways, I think. If ML were not hardwired w/ BoA (where we have checking / savings / mortgage / heloc / 3% credit card sort of), and above all did not have free trading, and did not pay so much for accounts transferred into them (I guess the same as other places, turns out), I would move everything back to Fido., ML DIRECT DEPOSIT PROGRM Owner(s) Name: MORGAN NORMAN Reported Owner Address: 707 E OCEAN BLVD APT 1406 LONG BEACH, CA 90802 ... Please note, if this property is stock or the contents of a safe deposit box, the SCO is required by law to sell the property after a specified time. However, you or your heirs will always be entitled to …, ML DIRECT DEPOSIT PROGRM Owner(s) Name: CABRERA MICHAEL T Reported Owner Address: 5493 COOPER CT RIVERBANK, CA 95367 ... Please note, if this property is stock or the contents of a safe deposit box, the SCO is required by law to sell the property after a specified time. However, you or your heirs will always be entitled to the …, What is the direct deposit program for Merrill Lynch? With the Merrill Lynch Bank Deposit Program, you can take advantage of an automatic cash sweep feature and daily liquidity. When cash is needed for various transactions, such as the purchase of securities, available funds on deposit are automatically used to satisfy those needs., Merrill Lynch, Pierce, Fenner & Smith Incorporated (“Merrill”) is making available to its customers certificates of deposit (“CDs”) of various U.S. depository institutions (each, an “Issuer”). Each CD is a deposit obligation of an Issuer domiciled in the United States or one of its territories, the deposits and accounts of which are ..., X_docholiday_xx. •. The ML direct deposit (mldd) is what is know as a “sweep” account. In essence what Merrill does here is that anytime you have uninvested cash, at the end of each day Merrill sweeps it into mldd. This does 2 things:, Effective September 2, 2014, the annual deposit fee Merrill Lynch receives from Merrill Lynch Affiliated Banks for each account with uninvested cash balances swept under the following programs will change: • For the Merrill Lynch Bank Deposit Program, Merrill Lynch Business Deposit Program and Merrill Lynch Direct Deposit Program, the fee ..., Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Additional information is available in our Client Relationship Summary (PDF). Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored ..., Direct deposit is a convenient and secure way to receive payments electronically. It eliminates the need to wait for a check in the mail or make a trip to the bank. With direct dep..., When you can automate daily activities, it’s almost always a win. Direct deposits are an easy way to send or receive a payment. Sometimes you can opt in for this payment method, an..., & Direct Deposit to IRA/IRRA ® /Roth IRA/Coverdell ESA Please return this form to your employer. Your employer must be able and willing to accept electronic fund transfers through the Automated Clearing House (A C H). If you have any questions about your employer's AC H capabilities, please contact your employer. , Understanding CD fundamentals. A CD is a time deposit, issued by a bank or savings association. You deposit funds with the financial institution for a specified length of time, and in exchange you earn a specified rate of interest on your deposit. That interest is generally paid to you in regular intervals during the term of the CD., ML DIRECT DEPOSIT PROGRM Owner(s) Name: PHD RACHEL C Reported Owner Address: 2026 GREENFIELD AVE LOS ANGELES, CA 90025 ... Please note, if this property is stock or the contents of a safe deposit box, the SCO is required by law to sell the property after a specified time. However, you or your heirs will always be entitled to …, In March, the bank was caught up in the same panic that took down Silicon Valley Bank First Republic, which found itself at the center of a brief banking panic in March following t..., You can deposit or withdraw money from your CMA account via Direct Deposit, by using Bank of America ATMs, through our telephone or online funds transfer service or through a FedWire® wire transfer. You can also use MyMerrill and Bank of America online banking or mobile app to transfer funds between your linked accounts. , Merrill Lynch Direct Deposit Program 0.01% Merrill Lynch Direct Deposit Program --- Tier 64 1.06% Merrill Lynch Business Deposit Program --- Tier 1 (<$250,000) 0.01% Merrill Lynch Business Deposit Program --- Tier 2 ($250,000 to <$1M) 0.01% Merrill Lynch Business Deposit Program --- Tier 3 ($1M to <$10M) 0.30%, With of Merrill Lynch Banking Deposit Program, she can take advantage of an automatic cash sweep feature, per financial, and FDIC protection. With the Merrill Linching Bank Deposit Program, you can take pro of an automatic cash sweep feature, daily liquidity, and FDIC protection., Merrill Lynch Direct Deposit Program, which will become your new Sweep Option on the Liquidation Date. The Annual Percentage Yield (APY) in the Merrill Lynch Direct Deposit Program will be 1.59% for six months from the Liquidation Date, after which time it will revert the then-current APY for the Merrill Lynch Direct Deposit Program., Many employers no longer provide payroll checks with stubs. These days, the majority of employees receive their pay via direct deposit. That means you may never see your checks, bu..., ML DIRECT DEPOSIT PROGRM Owner(s) Name: RODRIGUEZ MARCOS G Reported Owner Address: 2930 W 7TH ST APT 4 LOS ANGELES, CA 90005 ... Please note, if this property is stock or the contents of a safe deposit box, the SCO is required by law to sell the property after a specified time. However, you or your heirs will always be entitled to …, Merrill Edge fudges tax lots with mutual capital. When on individual day ME buy: 100.671 shares @$29.80 for $3,000 Merrill records like as either: 100 shares @$29.80 for $2,980, or 100 stocks @$29.80 press 1 share @$20 for $3,000 Merrill says that displaying two different rates forward purchases of a fund on the sam day is acceptable. It's silent on the fact …, Merrill Edge® Self-Directed is an online personalized investing experience that gives you helpful guidance, actionable insights and exclusive tools to confidently put your investing ideas into action. You can invest your way with access to a wide range of stocks, bonds, ETFs and well-known mutual funds. Enjoy unlimited $0 online stock, ETF and ..., SDP Interest compounds monthly and is paid quarterly at a rate of 10% on balances of up to $10,000. Any amount in excess of $10,000.00 will not accrue interest. Deposits may be made by payroll allotment, Eagle Cash card, cash, or personal check. Allotments may be established by visiting the member’s servicing branch of service administrative ..., ML DIRECT DEPOSIT PROGRM Owner(s) Name: DOUGLAS JAMES M Reported Owner Address: 2205 BLOSSOM LN REDONDO BEACH, CA 90278 ... Please note, if this property is stock or the contents of a safe deposit box, the SCO is required by law to sell the property after a specified time. However, you or your heirs will always be entitled to …, ML DIRECT DEPOSIT PROGRM Owner(s) Name: NGUYEN NGOC T Reported Owner Address: 1243 PANOCHE AVE SAN JOSE, CA 95122 ... Please note, if this property is stock or the contents of a safe deposit box, the SCO is required by law to sell the property after a specified time. However, you or your heirs will always be entitled to the net …, Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation ("BofA Corp.")., ML DIRECT DEPOSIT PROGRM Owner(s) Name: DUGGAN MARSHA M Reported Owner Address: 4616 HINSON PL SAN DIEGO, CA 92115 ... Please note, if this property is stock or the contents of a safe deposit box, the SCO is required by law to sell the property after a specified time. However, you or your heirs will always be entitled to the net proceeds of …