Furthermore, a 2020 survey by the Commonwealth Fund stated that 71% of uninsured Americans who decided not to be covered by a private insurer or through the market said they did not end up buying a plan because it was too expensive.
Dallas health insurance agent say premium increases are because the cost of c...jthorn4
Rick Thornton, a Dallas health insurance agent, said premium increases are because the cost of care is increasing, adding that there has been a 9.1% increase from when the ACA was first introduced in 2010.
Arlington Health Insurance In Texas Still Shows Over 5 Million Uninsured Most...jthorn4
Rick Thornton, an Arlington health insurance agent, said that in a shocking twist, many Texans are 100% eligible for significantly discounted health insurance but have yet to sign up as 2022 slowly comes to an end.
Dallas health insurance brokers may be enrolling unaware Americans in bold movejthorn4
Dallas health insurance has experienced plenty of highs over the last year thanks to the current administration’s push to make affordable healthcare available to all Americans.
Arlington Health Insurance Options Expand For Middle-Class Americansjthorn4
Rick Thornton, an Arlington health insurance agent, says the latest change comes at a time when tens of millions of American families prepare to take advantage of the Affordable Care Act’s annual open enrollment period.
Irving Health Insurance Addresses Longstanding Problem With ACA’s Regulations...jthorn4
Rick Thornton, an Irving health insurance agent, says the average annual premium for a single worker jumped from $7,700 in 2021 to $22,000 for a family, according to statistics from the Kaiser Family Foundation.
Irving Health Insurance Available Roughly 25 Thousand People Still Uninsured ...jthorn4
Rick Thornton, an Irving health insurance agent, said that around 26 million people remain without health coverage in the country, despite recent reports that the uninsured rate has dipped to an all-time low.
Arlington Health Insurance Applaud Democratic Legislation to Extend Subsidiesjthorn4
Rick Thornton, an Arlington health insurance agent , say that agents recognize that Democrats in the Senate are trying to pass a two-year extension of Insurance subsidies that were originally passed by American Rescue Plan Act (ARPA) for coverage years 2021 and 2022
Arlington Health Insurance Not Expected To Be Under A Microscope During Novem...jthorn4
<p>Rick Thornton, an Arlington health insurance agent, said it will be interesting to see if this is the first stepping stone to fewer lawsuits and arguments related to the overall viability of the Affordable Care Act moving forward.</p>
Dallas health insurance agent say premium increases are because the cost of c...jthorn4
Rick Thornton, a Dallas health insurance agent, said premium increases are because the cost of care is increasing, adding that there has been a 9.1% increase from when the ACA was first introduced in 2010.
Arlington Health Insurance In Texas Still Shows Over 5 Million Uninsured Most...jthorn4
Rick Thornton, an Arlington health insurance agent, said that in a shocking twist, many Texans are 100% eligible for significantly discounted health insurance but have yet to sign up as 2022 slowly comes to an end.
Dallas health insurance brokers may be enrolling unaware Americans in bold movejthorn4
Dallas health insurance has experienced plenty of highs over the last year thanks to the current administration’s push to make affordable healthcare available to all Americans.
Arlington Health Insurance Options Expand For Middle-Class Americansjthorn4
Rick Thornton, an Arlington health insurance agent, says the latest change comes at a time when tens of millions of American families prepare to take advantage of the Affordable Care Act’s annual open enrollment period.
Irving Health Insurance Addresses Longstanding Problem With ACA’s Regulations...jthorn4
Rick Thornton, an Irving health insurance agent, says the average annual premium for a single worker jumped from $7,700 in 2021 to $22,000 for a family, according to statistics from the Kaiser Family Foundation.
Irving Health Insurance Available Roughly 25 Thousand People Still Uninsured ...jthorn4
Rick Thornton, an Irving health insurance agent, said that around 26 million people remain without health coverage in the country, despite recent reports that the uninsured rate has dipped to an all-time low.
Arlington Health Insurance Applaud Democratic Legislation to Extend Subsidiesjthorn4
Rick Thornton, an Arlington health insurance agent , say that agents recognize that Democrats in the Senate are trying to pass a two-year extension of Insurance subsidies that were originally passed by American Rescue Plan Act (ARPA) for coverage years 2021 and 2022
Arlington Health Insurance Not Expected To Be Under A Microscope During Novem...jthorn4
<p>Rick Thornton, an Arlington health insurance agent, said it will be interesting to see if this is the first stepping stone to fewer lawsuits and arguments related to the overall viability of the Affordable Care Act moving forward.</p>
Fort Worth health insurance continues to surge as latest open enrollment peri...jthorn4
Rick Thornton, a Fort Worth health insurance agent, says latest enrollment period that started on November 1 has millions of Americans embracing the Affordable Care Act like never before.
Health Insurance in Corpus Christi Continue to See Higher Enrollment Numbers ...jthorn4
Rick Thornton, a Corpus Christi health insurance agent, says Joe Biden’s decision to open a special enrollment period has millions of Americans embracing the Affordable Care Act like never-before.
Corpus Christi Health Insurance Not An Attractive Option For Many Small Busin...jthorn4
Rick Thornton, a Corpus Christi health insurance agent, said that small businesses aren’t required by law to provide health insurance to employees, and rising premiums could lead them to drop coverage altogether.
Austin health insurance brokers may be enrolling unaware Americans in bold movejthorn4
Rick Thornton, an Austin health insurance agent, echoed what was reported in that same article that a consumer’s first hint that something is wrong is a letter from the IRS or a delay in their tax refund.
Austin Group Health Insurance on Marketplace Offer Low Premiumsjthorn4
An Austin group health insurance agent, says latest offer gives low-income families who missed the previous enrollment period a chance to net free health insurance at a time when they need it most.
Arlington health insurance ruling ha lasting impact on other preventative hea...jthorn4
Rick Thornton, an Arlington health insurance agent, said a judge recently ruled that an Affordable Care Act provision is now unconstitutional drastically alters previous options to cover critical HIV drugs for employees.
The Guide to Health Insurance Exchanges provides an overview of what the exchanges are and how they work, as well as reports on what happened right after they opened. The guide will help both employers and consumers to better understand exchanges by explaining the different types including public exchange for individuals, the SHOP exchange for small businesses, or a private marketplace for larger companies.
Group health insurance in Dallas sees uptick in long-overdue coverage for agr...jthorn4
Rick Thornton, a Dallas group health insurance agent, said an increasing number of agricultural workers are receiving better medical care and avoiding the emergency room thanks to the Affordable Care Act.
Insurance4Dallas 4516 Lovers Lane Suite 316, Dallas, TX 75225, United States
Website https://insurance4dallas.com/health-insurance-companies-in-texas/
Phone +1-972-219-6004
Email prc.pressagency@gmail.com
Health - Are You Healthy? ObamaCare May Triple Your PremiumLloyd Dobson Artist
Are You Healthy? Obamacare may triple your premium.
Much higher rates for this group could be the impact of the insurance overhaul's aim to cover the chronically ill.
The Affordable Care Act is designed to place health care within reach of all Americans, but the law may end up making insurance more costly for healthy people.
A review of proposed health care plans across eight states shows premiums for those in good health may double or even triple under Obamacare, while costs for people with chronic conditions will likely decrease, The Wall Street Journal reports.
Take the case of a 40-year-old single nonsmoker. Under the new law, he could take insurance on a "bronze" plan that covers 60% of medical costs and charges premiums of about $200 a month in most states surveyed in the study. Yet today, he could get coverage for far less.
Under a WellPoint (WLP +0.11%) plan offered in Virginia via Anthem, for example, he could find a plan for only $63 per month, which covers half of medical costs.
"If a person in 2013 has a choice of buying a Chevrolet or a Cadillac health plan and in 2014 they can only buy a Cadillac, . . . are they going to be upset? I think the answer is yes," Bob Laszewski, a Virginia health care consultant, told the newspaper.
Of course, the study presents one specific case -- a healthy consumer in Richmond, Va. -- while costs could vary considerably by state. The lowest-cost plan offered on an exchange in Nashville, Tenn., for example, is now pegged at $149, or 23% less than the $193 monthly premium charged in Richmond.
Still, the findings aren't likely to win over any new fans of the health care insurance overhaul, which is already unpopular with Americans. A recent survey from CNN/ORC International found that 54% of Americans oppose the legislation, with most of those saying they feel it's too liberal. Obama health care plan explained can be summed up as wow.
But aside from politics, the overhaul's costs are also weighing on the minds of consumers and business owners. Regal Entertainment Group (RGC +6.48%) said it's cutting hours to avoid providing health insurance for thousands of nonsalaried employees.
So who will benefit from the new plans? Most likely, chronically ill consumers who would otherwise face either extremely expensive plans or even fail to find an insurer willing to cover them. Under the overhaul, plans must be available to all Americans, no matter what their health.
As of now, much of the real prices associated with Obamacare are still unknown. When the health care exchanges roll out in October, the ultimate costs to consumers will become clearer.
Watch the video below to get more insight as to what is ahead for Americans.
For a FREE health insurance quote from multiple carriers CLICK HERE NOW. http://AIADirectQuote.com
Navigating the Evolving Health Care Landscapejthorn4
Private Insurance Plans Texas are adapting to post-pandemic health care challenges, focusing on mental health, vaccination rates, and rising care costs while navigating regulatory changes and evolving care delivery models.
Insurance4Dallas
City: Austin
Address: 1401 Lavaca Street
Website: https://insurance4dallas.com/group-health-insurance-austin/
Phone: +15124104535
Email: Mail@insurance4dallas.com
Affordable ACA Health Coverage Sees Record Growth in Texasjthorn4
Private insurance plans in Dallas have experienced a significant increase in enrollments under the Affordable Care Act, reflecting a growing trend towards affordable health coverage in Texas.
Insurance4Dallas
City: Dallas
Address: 4516 Lovers Lane
Website: https://insurance4dallas.com/health-insurance-companies-in-texas/
Phone: +1-972-219-6004
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Fort Worth health insurance continues to surge as latest open enrollment peri...jthorn4
Rick Thornton, a Fort Worth health insurance agent, says latest enrollment period that started on November 1 has millions of Americans embracing the Affordable Care Act like never before.
Health Insurance in Corpus Christi Continue to See Higher Enrollment Numbers ...jthorn4
Rick Thornton, a Corpus Christi health insurance agent, says Joe Biden’s decision to open a special enrollment period has millions of Americans embracing the Affordable Care Act like never-before.
Corpus Christi Health Insurance Not An Attractive Option For Many Small Busin...jthorn4
Rick Thornton, a Corpus Christi health insurance agent, said that small businesses aren’t required by law to provide health insurance to employees, and rising premiums could lead them to drop coverage altogether.
Austin health insurance brokers may be enrolling unaware Americans in bold movejthorn4
Rick Thornton, an Austin health insurance agent, echoed what was reported in that same article that a consumer’s first hint that something is wrong is a letter from the IRS or a delay in their tax refund.
Austin Group Health Insurance on Marketplace Offer Low Premiumsjthorn4
An Austin group health insurance agent, says latest offer gives low-income families who missed the previous enrollment period a chance to net free health insurance at a time when they need it most.
Arlington health insurance ruling ha lasting impact on other preventative hea...jthorn4
Rick Thornton, an Arlington health insurance agent, said a judge recently ruled that an Affordable Care Act provision is now unconstitutional drastically alters previous options to cover critical HIV drugs for employees.
The Guide to Health Insurance Exchanges provides an overview of what the exchanges are and how they work, as well as reports on what happened right after they opened. The guide will help both employers and consumers to better understand exchanges by explaining the different types including public exchange for individuals, the SHOP exchange for small businesses, or a private marketplace for larger companies.
Group health insurance in Dallas sees uptick in long-overdue coverage for agr...jthorn4
Rick Thornton, a Dallas group health insurance agent, said an increasing number of agricultural workers are receiving better medical care and avoiding the emergency room thanks to the Affordable Care Act.
Insurance4Dallas 4516 Lovers Lane Suite 316, Dallas, TX 75225, United States
Website https://insurance4dallas.com/health-insurance-companies-in-texas/
Phone +1-972-219-6004
Email prc.pressagency@gmail.com
Health - Are You Healthy? ObamaCare May Triple Your PremiumLloyd Dobson Artist
Are You Healthy? Obamacare may triple your premium.
Much higher rates for this group could be the impact of the insurance overhaul's aim to cover the chronically ill.
The Affordable Care Act is designed to place health care within reach of all Americans, but the law may end up making insurance more costly for healthy people.
A review of proposed health care plans across eight states shows premiums for those in good health may double or even triple under Obamacare, while costs for people with chronic conditions will likely decrease, The Wall Street Journal reports.
Take the case of a 40-year-old single nonsmoker. Under the new law, he could take insurance on a "bronze" plan that covers 60% of medical costs and charges premiums of about $200 a month in most states surveyed in the study. Yet today, he could get coverage for far less.
Under a WellPoint (WLP +0.11%) plan offered in Virginia via Anthem, for example, he could find a plan for only $63 per month, which covers half of medical costs.
"If a person in 2013 has a choice of buying a Chevrolet or a Cadillac health plan and in 2014 they can only buy a Cadillac, . . . are they going to be upset? I think the answer is yes," Bob Laszewski, a Virginia health care consultant, told the newspaper.
Of course, the study presents one specific case -- a healthy consumer in Richmond, Va. -- while costs could vary considerably by state. The lowest-cost plan offered on an exchange in Nashville, Tenn., for example, is now pegged at $149, or 23% less than the $193 monthly premium charged in Richmond.
Still, the findings aren't likely to win over any new fans of the health care insurance overhaul, which is already unpopular with Americans. A recent survey from CNN/ORC International found that 54% of Americans oppose the legislation, with most of those saying they feel it's too liberal. Obama health care plan explained can be summed up as wow.
But aside from politics, the overhaul's costs are also weighing on the minds of consumers and business owners. Regal Entertainment Group (RGC +6.48%) said it's cutting hours to avoid providing health insurance for thousands of nonsalaried employees.
So who will benefit from the new plans? Most likely, chronically ill consumers who would otherwise face either extremely expensive plans or even fail to find an insurer willing to cover them. Under the overhaul, plans must be available to all Americans, no matter what their health.
As of now, much of the real prices associated with Obamacare are still unknown. When the health care exchanges roll out in October, the ultimate costs to consumers will become clearer.
Watch the video below to get more insight as to what is ahead for Americans.
For a FREE health insurance quote from multiple carriers CLICK HERE NOW. http://AIADirectQuote.com
Navigating the Evolving Health Care Landscapejthorn4
Private Insurance Plans Texas are adapting to post-pandemic health care challenges, focusing on mental health, vaccination rates, and rising care costs while navigating regulatory changes and evolving care delivery models.
Insurance4Dallas
City: Austin
Address: 1401 Lavaca Street
Website: https://insurance4dallas.com/group-health-insurance-austin/
Phone: +15124104535
Email: Mail@insurance4dallas.com
Affordable ACA Health Coverage Sees Record Growth in Texasjthorn4
Private insurance plans in Dallas have experienced a significant increase in enrollments under the Affordable Care Act, reflecting a growing trend towards affordable health coverage in Texas.
Insurance4Dallas
City: Dallas
Address: 4516 Lovers Lane
Website: https://insurance4dallas.com/health-insurance-companies-in-texas/
Phone: +1-972-219-6004
Plano Health Insurance Advocates Champion Efforts To Make Healthcare a Basic ...jthorn4
Rick Thornton, a Plano health insurance agent, says an increasing number of states could ask voters to decide whether there should be an amendment to declare affordable healthcare as a fundamental right.
Plano Health Insurance Faces Courtroom Drama As ACA Activists Repeal Cases.jthorn4
Rick Thornton, a Plano health insurance agent, says latest lawsuit is about one thing: whether or not the government can require employer-paid insurance plans to cover STD screenings and HIV prevention drugs.
Frisco health insurance enrollment processes will be easier to navigatejthorn4
Rick Thornton, a Frisco health insurance agent, echoed statements from a recent USA Today article that said the new rule is expected to draw in another 2.81 million people to enroll in Medicaid over the next five years.
Get Corpus Christi Group Health Insurance with Preventative Care Before Changesjthorn4
While patients and employers argue against its constitutionality due an unwieldiness factor; there has been little evidence presented thus far on how this structure affects policy holders.
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This could impact individuals and families with health insurance in Irving, as striking it down could create a disincentive, likely leading to undetected and untreated health conditions.
Lewisville Health Insurance Spending Has Medicare Drug Prices Reduced in 2023...jthorn4
Rick Thornton, a Lewisville health insurance agent, says the latest negotiation is an attempt from blue-state lawmakers who haven’t given up hope on making sweeping but positive changes to the healthcare industry.
Health Insurance in Austin Could be Dismantled In Based On Senator Proposaljthorn4
Lee is arguing for a free market system rather than expand or extend the ACA. He would like to see a new healthcare system that puts Americans and their doctors back in charge.
Health Insurance in Frisco Uses New Controceptive Law at No Costjthorn4
Rick Thornton, a Frisco health insurance agent, said nearly 58 million women who were enrolled in private health insurance plans that covered preventative services with no cost sharing in 2020 could be impacted.
Health Insurance in Arlingtion Have Rates Reduced As New Subsidies are Passedjthorn4
Rick Thornton, a Arlington health insurance agent, said Congress’ passage of the Inflation Reduction Act extends subsidies for millions of Americans who buy individual coverage under the Affordable Care Act.
Austin Health Insurance Plan Numbers From 2021 Jump By 15% In Latest Enrollmentjthorn4
Austin health insurance company participation is growing at a much slower rate than in recent years, despite Affordable Care Act membership exchange plans skyrocketing throughout the previous year courtesy of a lengthy special enrollment period under the pandemic and enhanced premium tax credits. https://insurance4dallas.com/austin-health-insurance/ https://insurance4dallas.com/health-insurance-austin-tx/
Frisco Health Insurance Reaches More Families With Uninsured Rate Reaching A Lowjthorn4
Rick Thornton, a Frisco health insurance agent, said the latest statistics are once again the result of what the current administration has been pushing for in terms of offering affordable healthcare for all Americans. http://Insurance4dallas.com/frisco-health-insurance http://insurance4dallas.com/health-insurance-frisco http://insurance4dallas.com/frisco-health-insurance-agent https://insurance4dallas.com/frisco-group-health-insurance/ https://insurance4dallas.com/frisco-affordable-health-insurance/
Health Insurance In Arlington Set To See Changesjthorn4
Rick Thornton, an Arlington health insurance agent, says the final legislation allows Medicare to negotiate drug prices for the first time and, among other items, cap out-of-pocket drug costs for qualifying seniors.
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Rick Thornton, a Plano health insurance agent, says upwards of 3 million Americans could lose Affordable Care Act coverage in 2023 if blue-state lawmakers don’t find a way to extend subsidies. http://insurance4dallas.com/plano-health-insurance http://insurance4dallas.com/health-insurance-plano http://insurance4dallas.com/plano-health-insurance-agent https://insurance4dallas.com/group-health-insurance-plano/
Small Group Health Insurance in Houston have lower paymentsjthorn4
Houston small group health insurance premiums fell 1.8 percent nationwide thus far in 2022, and that’s after a 1.7 percent decline in 2021 and 3.2 percent drop in 2020.
Memorandum Of Association Constitution of Company.pptseri bangash
www.seribangash.com
A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
https://seribangash.com/article-of-association-is-legal-doc-of-company/
Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
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Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
https://seribangash.com/promotors-is-person-conceived-formation-company/
Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
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The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
LA HUG - Video Testimonials with Chynna Morgan - June 2024Lital Barkan
Have you ever heard that user-generated content or video testimonials can take your brand to the next level? We will explore how you can effectively use video testimonials to leverage and boost your sales, content strategy, and increase your CRM data.🤯
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RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
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This 60-minute webinar, sponsored by Adobe, was delivered for the Training Mag Network. It explored the five elements of SPARK: Storytelling, Purpose, Action, Relationships, and Kudos. Knowing how to tell a well-structured story is key to building long-term memory. Stating a clear purpose that doesn't take away from the discovery learning process is critical. Ensuring that people move from theory to practical application is imperative. Creating strong social learning is the key to commitment and engagement. Validating and affirming participants' comments is the way to create a positive learning environment.
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Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
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It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
2. Health insurance in Dallas is experiencing
significant increases in enrollment numbers
with over one million new signups, and a lot
of that may be due to the record number of
Americans who are quitting their jobs and
turning to the Affordable Care Act for a new
plan.
According to several published
reports, roughly four million
workers quit their full-time job
every month between July and
November of last year.
3. Those numbers have only
continued to skyrocket
despite the threat of losing
health insurance benefits
through their employer.
This includes a spike in
individuals and families
who now have health
insurance in Dallas.
4. For millions of low- and
middle-income families, this
might be a significant
opportunity.
With that being said, some
Americans are saying that the
ACA exchange is difficult to
navigate in terms of finding a
suitable plan they can afford.
5. Rick Thornton, a Dallas health
insurance agent , says that despite
these limitations, new legislation that is
in the words could make an in-market
insurance policy more affordable for
most Americans - including those who
recently left their job.
Insurance4Dallas provides
consumers with detailed
information on health
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6. Insurance4Dallas provides a full
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the purchasing process and
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