Apply For Pension Loan In Norway Of About $500,000,000 USD And Pay Back In 1 Year.
JOBS IN CANADA-Toronto: Don’t Miss This Opportunities
Pensions at a glance
- Your pension is made up of three parts, one from National Insurance, one from your employer(s) and one from private savings
- The new pension reform provides more flexibility and alternatives
- Future pensions will be significantly smaller
- For most people, private pension saving will be necessary
In a start-up and growth phase, many companies need to know about the conditions they must meet in order to be granted a loan or credit. When issuing a loan, banks are primarily interested in two things: (1) the company’s debt servicing capacity and (2) adequate collateral if the company fails to service its debt. In addition, the bank needs to know as much as possible about the project for which the loan is required.
In order to obtain a pension loan, the bank must feel confident that it will be repaid. A company’s payment ability, i.e. debt servicing capacity, is dependent on the amount of cash, or easily accessible funds, it has at its disposal. The bank will therefore ask about the company’s current liquidity position, as well as about its cash flow prospects.
In general, collateral represents assets which the lender is entitled to repossess if the borrower fails to repay the loan. There are many types of collateral, ranging from company assets to sureties and real estate. Contact your bank to check what kind of collateral could be relevant for your company.
Getting started is easy!
Set up a monthly direct debit so that cash is deducted automatically from your bank account the day your salary gets paid. You will hardly notice that you are saving. Even paying in a little each month helps, the most important thing is that you save regularly.
Contact your local branch if you would like to open a savings account or if you have any questions. We can give you more tips about how to choose the savings option which is best for you.
DNB has insurance policies to suit every need. We offer a wide range of insurance products for your car, house, household contents, holiday home, boat and pets and for when you travel. Unsure whether you need life insurance? Contact us for advice.
We can offer personal insurance if you are a Nordic citizen or have been a member of the Norwegian national insurance system for more than five years. In addition, you must be a resident of one of the Nordic countries.
Call us on (+47 915) 04800 and we will help you find the insurance products to suit your needs.
Car, boat and motor vehicle insurance
Comprehensive and third-party for boats and cars. Insurance for motorcycles, mopeds, all-terrain vehicles (ATVs), rotary snow ploughs and rotary cultivators. Insurance for caravans and trailers
Household contents insurance
Coverage for damage or destruction of your home
Holiday home insurance
Coverage for your second home
All-year coverage for travel made in and outside Norway
Term insurance, disability insurance, critical illness and recreational accident insurance
Other types of insurance
Pet insurance – for cats and dogs
Valuable object insurance
9 Simple Steps To Buying A New Car
Buying a new car is similar to a game show. Pick the correct entryway and you win your prize — a sweet arrangement on a decent car.
Buying a new car is similar to a game show. Pick the correct entryway and you win your prize — a sweet arrangement on a decent car. Pick an inappropriate entryway and you’ll lose cash and abhor the shopping background. Exploring the car-buying procedure has never been simpler, on account of the straightforwardness made by the web.
Set your spending limit
Begin by choosing on the off chance that you need to pay money, apply for a new line of credit, or rent your new car. Paying money makes your planning procedure entirely straightforward, however don’t burn through the entirety of your reserve funds. What’s more, recall that you will likewise need to make good on deals government expense, enlistment and protection. Utilize the NerdWallet vehicle advance number cruncher to make sense of the correct regularly scheduled installment and up front installment.
The vast majority take out a car credit or, progressively, decide on renting a vehicle. It’s shrewd to get preapproved for a car advance since it streamlines the buying procedure and places you in a more grounded position at the business. Afterward, you’ll perceive how having a preapproved advance fits into the procedure.
Pick the correct car
Presently the fun starts — picking the correct car for you. Consider how you intend to utilize this car. For instance, on the off chance that you have a family, you’ll need enough space for everybody in addition to plentiful cargo space. On the off chance that security is a top need, look at the Protection Establishment for Parkway Wellbeing for accident tests.
Slender the field by making a rundown of must-have highlights. At that point, look for models with the car discoverer instrument found on some car destinations. Channel your inquiry as per your spending limit and wanted highlights. As you push ahead, list three objective models to investigate in more detail.
Check unwavering quality and possession costs
You need to make a point to pick models for their steadfastness as well as for their ease of possession. Shopper Reports and J.D. Power gather upkeep reports from proprietors and rate all cars for dependability.
A firmly related issue is the complete expense of possession. A few cars are shabby to buy, however will cost a great deal over the long haul due to protection, support, fixes and devaluation. A few car sites —, for example, Kelley Blue Book’s Five-Year Cost to Possess or Purchaser Reports’ Expense of Vehicle Proprietorship — show appraisals of these costs. It might be smarter to dish out more cash forthright when buying a car.
Test-drive the car
In a perfect world, you need to test-drive every one of the cars you’re keen on buying with hardly a pause in between so the impressions will be crisp in your brain for correlation. Consider saving a morning or evening for the procedure, and, if conceivable, do it mid-week when the business isn’t excessively occupied.
Instead of simply strolling on to the car part, call ahead and plan a meeting with the web project supervisor. That way, the correct model will be dismantled out and prepared to go.
Select a test-drive course that has a touch of everything: slopes, unpleasant asphalts, bends and even a stretch of parkway.
Find your car
Perhaps one of the cars you tried addresses your issues and is the correct shading. If not, you should look through neighborhood businesses until you locate the correct car.
About all vendors list their whole stock on the web. However, in case you’re looking for an unordinary shading or choice mix, you can utilize destinations that spread a whole locale — or even the entire nation. Numerous new cars are recorded on destinations, for example, Autotrader.com or CarGuru.com. Producer sites may likewise enable you to look through a more extensive territory instead of individual businesses. Continue enlarging your pursuit region until you find precisely the car you need.
Locate the correct cost
Estimating guides, for example, Kelley Blue Book, enable you to get straight to the point and discover what other individuals in your general vicinity are paying for the car you need. On the site, precisely input every one of the choices you need and, now and again, even the shading, since each one of those components influence the car’s cost.
Make a point to perceive what, assuming any, motivations and discounts are accessible for the car you need. Most maker sites list current offers, which more often than not change every month.
Get seller cites
Mentioning vendor cites by email can remove the worry from arranging. You can request a value quote by messaging the vendor through its site. Or on the other hand, to spare time, utilize an outsider site, for example, Truecar.com to demand cites from different vendors all the while. Contrast the merchant’s asking cost with the normal market value you decided through the estimating guides. Odds are, the merchant is asking more than the market normal.
On the off chance that you consult face to face, here are a couple of tips to use on the car part:
Try not to be a regularly scheduled installment buyer: On the off chance that you have a preapproved advance, you’re a money buyer and you ought to arrange the cost of the car, not the size of the regularly scheduled installment.
Be flighty: Try not to give a sales rep a chance to leave you caught in a business office while he “goes to chat with his supervisor.” Rather, meander around the showroom or go get some espresso.
Arrange gradually and rehash the numbers you hear: It’s anything but difficult to get befuddled, so go moderate and even record the numbers tossed at you. Ensure you realize whether you’re discussing the “out-the-entryway” value, which incorporates all duties and charges, or simply the deal cost of the car.
Get some information about expenses before saying yes to an arrangement: A few vendors may incorporate false expenses to recover the benefit they lose while arranging. Request a breakdown of extra charges before you consent to any arrangement.
Be prepared to walk: On the off chance that you aren’t gaining ground toward an arrangement, or you don’t care for the manner in which you’re being dealt with, simply exit. No farewells are vital.
Expand exchange esteem
Many individuals like to exchange their old car so they can resolve all their car-buying bothers simultaneously. Be that as it may, this could be an exorbitant decision. While exchanging a vehicle is advantageous, sellers for the most part may attempt to low-ball clients and just pay the discount cost. To perceive how much that is, go online to a valuing guide, look into your car and analyze the exchange cost (what you would get) to vendor retail (what the seller will attempt to sell it for).
Frequently, the distinction can be $3,000. For instance, Edmunds.com’s Actual Market Worth trade-in vehicle valuing demonstrates that for a 2013 Honda Accord EX, the distinction between exchange and seller retail is $3,100.
New exchange alternatives are accessible, for example, offering the vehicle to CarMax. Or then again, you can offer it to a private gathering. In any event, look into the exchange cost of your car and arrange the most noteworthy conceivable cost for it.
Considering Exchanging AND Exchanging UP?
Check your car’s exchange an incentive to ensure you get the best arrangement.
Wrap everything up
On the off chance that you are arranging by means of email or telephone, request to have the car conveyed to you as opposed to getting it the business. It’s snappy and tranquil.
Be that as it may, a great many people go to the business to sign papers face to face. Regardless of whether you have a preapproved credit to pay for the car, the business’ money chief may offer to beat the provisions of the advance. It doesn’t damage to check whether the person can show signs of improvement financing cost. Simply ensure the various terms of the advance are the equivalent.
Before the agreement is drawn up, the money chief may likewise attempt to sell you extra items and administrations. Buying an all-encompassing car guarantee at the correct cost can give true serenity. In any case, check first to perceive how much guarantee is incorporated with the cost of your new car. Most new cars have a heavily congested guarantee covering at any rate three years and 36,000 miles, alongside a powertrain guarantee that commonly endures up to 75,000 miles. The powertrain guarantee covers every one of the parts that make the car driveable, for example, the motor, transmission and suspension.
Take as much time as necessary surveying the agreement and don’t give yourself a chance to be constrained into giving just to get it up with. The agreement will incorporate the conceded to deals cost and these extra figures:
State deals charge: This is a level of the expense of the car.
Documentation expense: As insane as it sounds, the business really charges you for rounding out the agreement. This “doc charge” is topped in certain states. In states, for example, Florida, a few vendors charge as much as $700 for doc expenses.
Enrollment expenses: A seller can enroll the car for you, which is helpful.
A few vendors may incorporate extra expenses, of which some might be sham. It’s dubious to recognize what’s genuine and what’s incorporated just to support their benefit. On the off chance that the vendor’s account director can’t clarify an expense in the agreement agreeable to you, request to have it expelled.
37 Best Money-Making Apps 2019
These are applications you can use to acquire money rapidly. For certain occupations, you’ll need a particular range of abilities.
Is it true that you are hoping to profit? As with nearly everything else, there’s an application for that. Regardless of whether you’re searching for a brisk, simple approach to make a couple of additional dollars or you’d like to advertise your expert aptitudes to help your salary, you can utilize an application to look for some kind of employment and get procured.
Audit probably the best cash making applications you can use to create additional pay. With a significant number of them you can begin work immediately, and you’ll be paid when you complete the activity.
The most effective method to Begin….
You might almost certainly apply straightforwardly on the application or you may need to enroll online before you can utilize it. Most applications have iOS and Android forms that you can download to your gadget. When you’ve downloaded the application from the Application Store or Google Play, adhere to the directions to begin. Some applications use PayPal, so you’ll have to set up a record to get paid. Others will pay legitimately to a financial records or utilize another installment administration.
Peruse the fine print before you register, so you know how much and when you can hope to be paid.
Applications You Can Use to Profit
These are applications you can use to acquire money rapidly. For certain occupations, you’ll need a particular range of abilities. For other people, you basically need the time accessible to finish the undertaking.
Snappy Gigs: You won’t get rich from these applications, however you can profit rapidly. The amount you’ll procure relies upon the activity, and you’ll be paid soon after you complete the assignment.
BlueCrew gives adaptable W-2 work to hourly laborers in an expansive scope of enterprises, for example, warehousing, coordinations, web based business, occasions, conveyance, and neighborliness.
Sign up to finish straightforward and quick occupations at neighborhood stores. For instance, taking pictures and checking advancements. Installment is by PayPal, and for most occupations, you’ll be paid inside 24 hours.
Gigwalkers chip away at occupations that take as meager as a couple of minutes, or up to a few hours. Gigs incorporate checking item shows or item accessibility in retail locations. The application has a GPS highlight you can use to discover, total, and report on employments. Installment is by PayPal when every gig is finished.
Taskers do little occupations like cleaning, conveyance, shopping, sorting out, and running errands. Sign up on the web, at that point go to a data session where you’ll be told on downloading the application. When you’re set, you will almost certainly view employments in your general vicinity on the application, select the one you need, at that point affirm with the customer. After the activity is done, you’ll present a receipt to get paid through direct store to a financial records. Note: there is a $20 enrollment charge.
Is it true that you are prepared to get down to business? Wonoloers chip away at prompt nearby hourly or day by day employments. When you have joined, open the application to land notices of new positions, and snap to acknowledge it. Installments are handled by Stripe, and normally take three to five days from when the activity was affirmed. There’s a rating framework, and high-evaluated Wonoloers approach more employment choices and quicker installments.
Construct, Fix, and Move: In the event that you have a talent for fixing things, gathering furniture and different items, or helping individuals move, you can utilize an application to secure positions to chip away at whenever the timing is ideal. When you apply and have been endorsed, you’ll have the option to choose assignments that fit your calendar.
Amazon Expert Administrations
Drive Individuals: On the off chance that you have solid transportation and proper vehicle protection, and appreciate driving, ride-share driving is an approach to profit during your extra time. Driving employments have an online application process that incorporates a personal investigation, so be set up to trust that endorsement will begin.
Shop and Make Conveyances: Probably the most effortless approaches to make additional cash is to give conveyance administrations. With some applications, as Instacart and Shipt, you will shop and convey. For other people, you’ll get and convey orders. A few administrations will pay immediately. For instance, Uber drivers can pursue Moment Pay and get paid up to five times each day. The installment is made to your plastic.
Deal with Individuals and Pets: In case you’re keen on providing care, for either people or pets, you can join to give care administrations when you’re accessible.
Applications for Giving Proficient Administrations
There are numerous applications consultants can use to discover gigs and market their expert administrations. Similarly as with most application based gigs, the calendar is adaptable and you can work whenever the timing is ideal. The accreditations you have to get contracted rely upon the job you’re keen on. Installments are made legitimately and instantly by the site or an installment administration, as opposed to the customer.
With most administrations, it’s simpler to join on the web and afterward go to the application to secure positions.
Adapt Your Abilities: With aptitudes based gig applications, there are chances to fill in as meager – or to such an extent – as you’d like. You can take on side gigs or set aside a few minutes work. A few destinations like Upwork, offer various sorts of chances for gig laborers while others center around a particular specialty.
editorr is an on-request administration that contracts online editors with a scholastic or expert foundation in English, news coverage, copywriting, exploratory writing, or comparable fields.
Fiverr is a stage for consultants to showcase their inventive administrations in excess of 200 classifications. Specialists post the administrations they give and set the cost to the gigs, which start at $5.
Jijatjo gives adaptable alternatives to friendliness laborers, coordinating you with circumstances that match your timetable. Jijatjo offers focused hourly rates, and pay is practically prompt (inside a couple of hours) after you complete a move.
Thumbtack extends to experts an approach to discover employment opportunities doing nearly anything. Professionals post their business, and clients contact those they are keen on working with.
Coach to Go is a web based mentoring administration. Educators, instructors, experts with industry ability give coaching administrations when they are accessible.
Upwork is a stage for consultants to secure positions and undertakings, interface with customers, and get employed rapidly.
Wyzant gives one-on-one coaching administrations for school and college understudies. There are in excess of 12,000 branches of knowledge and a stringent verifying procedure for candidates.
Give Wellbeing and Wellness Administrations: As man-made reasoning changes the restorative scene, there are open doors for social insurance suppliers to rehearse virtual drug, speaking with patients on a cell phone or tablet. There are likewise open doors for health specialists to give virtual preparing. For administrations that need hands-on consideration, knead advisors, for instance, can convey in-home back rubs orchestrated by the application.
The application procedure begins on the web and administrations might be given or masterminded by means of the organization’s application.
DoctorOnDemand enlists representative and self employed entity doctors, analysts, and therapists.
Teladoc gives chances to essential consideration doctors, dermatologists, and social wellbeing suppliers who handle schedule, non-crisis medicinal issues by video or telephone.
LiveKick enlists fitness coaches and private yoga educators for sessions directed over live video.
Trainerize works with fitness coaches so they can associate with customers on the Trainerize application.
Calm is an application where back rub advisors join the Alleviate proficient system to give in-home, office, or inn rubs.
Zeel is an application for download where you can get affirmed and confirmed rapidly. Chosen competitors partake in on-boarding, at that point download the application and begin booking knead arrangements.
Top 5 Affordable Life Insurance for People With Depression -2019 Updated
Affordable Life Insurance for People With Depression.
In previous generations, struggles with depression and anxiety were rarely discussed.
- 1 Top 5 Life Insurance Companies for people with depression.
- 2 Why Depression Affects Life Insurance Rates
- 3 Types of Depression
- 4 No Exam Life Insurance for People with Depression
- 5 Possible Rate Classes
- 6 Bottom Line
In previous generations, struggles with depression and anxiety were rarely discussed. But today, more and more people are opening up about their mental health.
Every day, a new celebrity discusses their mental health issues.
And businesses and organizations are beginning to build programs and benefits to help their employees’ mental and emotional stability.
Because there’s a lot of conversation surrounding depression now, you might be wondering about the relationship between your depression and life insurance options.
First, we’ll start with our best life insurance companies for people with depression.
Later, we’ll discuss the types of depression and cover how your depression might impact your life insurance options.
Top 5 Life Insurance Companies for people with depression.
*Learn more about no medical exam options
With conditions like depression or anxiety, there is far less agreement across the board.
In fact, there is no standard rating class for depression, making the time you spend shopping for your life insurance even more important.
Since some companies have harsher guidelines than others, you need to pinpoint a carrier who is lenient and still awards the best rates possible.
I’ve done a bit of that research for you, comparing and compiling the best life insurance companies for individuals with depression.
Through the years, Lincoln Financial has excelled at selling insurance to higher risk clients.
They have carved a niche for applicants with higher cholesterol scores, older clients, clients who use tobacco, and more.
One of the categories where Lincoln excels is with applicants with depression or anxiety problems.
Every time I’ve talked to a client with depression who has gotten quotes from several companies, they relay that Lincoln is one of the cheapest options.
Not only are they one of the more affordable choices for individuals with depression, but they also have several plans to choose from.
Lincoln sells traditional level term plans (Lincoln Life Elements Level Term), no exam policies, permanent life insurance, and guaranteed issue plans.
Another solid choice for individuals with depression, Prudential is known for their recognizable logo, “The Rock.”
While you’ve probably seen their mountainous logo, you may not know about their rates for people diagnosed with depression.
Prudential is also excellent for any client who is considered overweight, as their weight charts are looser than other companies.
Compared to other carriers, Prudential is more willing to take on higher-risk life insurance clients in general.
Another unique factor of Prudential is their “non-smoker plus” rate class for people who are in great health otherwise, but smoke.
Hancock is one of the oldest life insurance companies in America, having been in operation for more than 150 years.
And there’s a reason they’ve been around for so long.
Hancock is an extremely stable company who has perfected their customer service and their life insurance products.
They’ve thrived for a long time, and professionals expect them to continue to for an even longer time.
Not to mention they have some of the best grades from all of the insurer rating companies (A.M. Best, Moody’s, Fitch).
To be honest, AIG is not going to be the fastest company, but if you’re willing to wait, they can be a great pick.
AIG has plenty of options and rates to rival most of the competition.
AIG believes in tailoring plans to meet YOUR needs, not forcing you into a pre-planned policy.
One of their most unique strengths is their term policy’s flexibility.
For example, you don’t have to buy a 20-year term plan if you only want 16 years.
It’s your plan, and you can customize it to meet your exact needs.
If you’re interested in buying insurance for your children as well as yourself, Protective has products designed for you.
One of their greatest plans is the “Protect My Child” whole life policy.
If your child is between the ages of 2 weeks old to 17, you can buy this plan and it will give up to $100,000,which will double when they turn 18.
The best part, for sufferers of depression, is that there is no medical exam required. Period.
Why Depression Affects Life Insurance Rates
Let’s look at the numbers.
The fact of the matter is, depression is more common than most Americans realize.
- The results of the 2016 National Survey on Drug Use and Health estimate more than 16 million adults had at least one serious episode of depression in the year 2016 (defined as two or more weeks of a “depressed mood” or loss of interest and at least four other symptoms).
- Depression is more common in adults ages 18 to 25, and in multiracial individuals.
- Another potentially surprising statistic? Women are much more likely to experience depression than men.
- Depression is the leading cause of disability in the world and it’s continuing to grow more prevalent.
With more than 16 million people suffering from depression, life insurance companies are now faced with making decisions on how a diagnosis of depression might change their plans and premiums.
Types of Depression
Not every depression is the same.
With depression, like any other illness, there are different forms and varying degrees of severity.
The specific type of depression you have and the severity of it could change how much your premiums are and your ability to get approved.
Let’s take a look at some of those different types:
Major depression is what most people probably think of when they hear the word depression.
People with major depression have feelings of sadness, less energy, extreme irritability, problems sleeping, changes in eating patterns, and more.
Depending on the severity of major depression, it can prevent people from going about their lives.
This is a less severe kind of depression.
Most people classify dysthymia as a “functional depression,” meaning patients will feel “off,” but it doesn’t stop them from their day to day activities.
Symptoms can range from sadness to problems sleeping.
With a diagnosis of dysthymia, most professionals suggest talking to a therapist before trying medication.
Here’s a statistic you might find shocking:
85% of new mothers feel “down” or “blue” after having their baby.
Around 16% of those new mothers are diagnosed with postpartum depression.
Much like other kinds of depression, postpartum depression has the same symptoms: sadness, anxiety, tiredness, etc.
With this kind of disorder, mothers might feel an extreme disconnection from their child or fear of harming the baby.
This depression typically develops in the first year after giving birth.
Seasonal Affective Disorder
As you can probably figure out from the name, SAD impacts people during the winter months.
Lack of sunlight is primarily to blame for SAD, making people more irritable, tired, and anxious during winter.
While some depressive diagnoses might require little treatment or may pass with time, others like psychotic depression require more attention.
This kind of depression is characterized by bouts of psychosis, which involves hearing sounds or seeing sights which aren’t there, or having delusions.
Psychotic depression can create serious problems if not managed correctly.
Everyone has heard of bipolar disorder, but few people understand what it actually is.
One of the most stigmatized types of depression, bipolar disorder, occurs when a patient suffers from drastic lows and then extreme highs.
Bipolar disorder is also known as manic-depressive because the moods fluctuate between mania and depression.
Mania is classified as having more excitement than usual, high-energy, racing thoughts, and excessive confidence.
Like the other types of depression on the list, bipolar disorder can be treated with medication and therapy.
Also called adjustment disorder, situational depression is caused by a big life-changing event or a stretch of high-stress.
This is one of the most common types of depression because everyone experiences times in their lives which are very stressful.
Usually, situational depression doesn’t need medication, but it can be treated with a short-term prescription if your doctor sees the need.
With a general idea of the most common types of depression, let’s review which life insurance companies provide the most beneficial coverage for clients with mental health issues.
No Exam Life Insurance for People with Depression
Maybe you don’t want to go through all the hassle of a traditional policy.
If so, then you’re the ideal candidate for a no exam life insurance plan.
Just about every company on the market sells a version of life insurance without the health exam portion.
The company will still look at your medical records and prescription history, and you’ll still need to complete the health questionnaire.
No exam is quicker and easier, but it’s also more expensive and restricting.
Every carry puts a lower limit on the amount of life insurance you can buy with a no exam policy as well.
If you’re considering buying a no exam option, you need to decide what’s more important to you: a lower premium or convenience.
Do your research, compare rates, and see how your depression will impact your premiums, with and without an exam.
Possible Rate Classes
Here’s some good news: people with depression can still get Preferred or Preferred Plusrates!
During the series of health questions most insurers require, you’ll be asked about your depression diagnosis, the severity, the timeframe, and how it was or is treated.
If it’s been several years since you were treated with depression and you no longer take medication, then it won’t jack your rates up.
As long as you’re managing your depression carefully, you can end up in the best possible class.
The most common rate class is Standard.
Having depression does put a red mark on your application.
If you have any other health problems or other red marks, then you’re probably going to be put down a peg when it comes to your rate class.
Standard rates are not the lowest, but they are still extremely affordable with most companies.
If you’re in exceedingly poor health, there is always a chance you’ll get sub-standard rates.
So if you have depression or anxiety paired with other major health complications, the carrier might be more wary of awarding your coverage.
Just as people are different, each depression and anxiety diagnosis is different.
Some are more severe than others, some need prescription treatments, others need therapy to heal.
Some complications are long-lasting, while others may be a short chapter in your history.
When it comes to applying for life insurance with depression, there is no “ultimate guide.”
But if you’re diagnosed with depression or you’ve suffered from an anxiety in the past, take heart knowing there are policies on the market you can afford.
Get started with our easy to use life insurance quoting tool on the side of the screen.
With this form, you’ll get almost instant quotes from the dozens of carriers we’ve partnered with.
Ease your mind, ease your insurance shopping process, and pick up a great life insurance policy today.