Added to the mix has been the advent of online shopping, which «has definitely made it more difficult for brick - and - mortar retailers to maintain
full margins for their products,» explains Susan Weiss, president and founder of Naples, Fla. - based Ark Naturals, a manufacturer of health, remedy and lifestyle solutions for pets.
Not exact matches
The higher
margins prompted Bunge to raise its
full - year earnings outlook
for its agribusiness unit, which includes soybean crushing, to a range of $ 800 million to $ 1 billion from $ 550 million to...
Brewer Heineken reported Wednesday a 3 percent increase in
full - year sales by volume and added that it will meet its medium - term target
for operating
margin expansion.
Meantime, Coca - Cola Hellenic surged to the top of the European benchmark, up by over 9 percent after announcing that it remained on track to reach broad - based revenue and
margin growth forecasts
for the
full year.
Coca - Cola Hellenic surged to the top of the European benchmark, up by over 9 percent after announcing that it remained on track to reach broad - based revenue and
margin growth forecasts
for the
full year.
* SMITH & NEPHOW: Smith & Nephew, Europe's biggest artificial hip and knee maker, downgraded its forecast
for full - year underlying revenue growth and profit
margin after some markets softened and it saw a slowdown in its bioactives business in the first quarter.
But thanks to the subsidy they get from Canada, refineries in Cushing often enjoy refinery
margins, or crack spreads as they're known in the industry, that have been as much as five times what refineries on the Gulf Coast, which have to pay
full world oil prices
for their feedstock, operate with.
«It's tough to look at a
full year of losses on Amazon (+56 %), athenahealth (+26 %), Netflix (+55 %) and Tesla (+46 %) when we believe all those stocks appeared priced with little
margin for error entering the year, and none executed well or met fundamental expectations in 2017,» he wrote.
For the
full year, it still sees revenue of $ 4.9 B - $ 5.3 B (up 20 - 30 %); gross
margin of 23 - 25 %; and operating loss of $ 230M - $ 330M.
Chukumba, who expects the company to provide a «high - level» guidance
for the
full year, expects a 0.4 percent increase in the fourth quarter same - store sales and a 100 - bps gross
margin decline.
For restaurants, Grubhub generates higher
margin takeout orders at
full menu prices.
Yet, with so many asset classes priced
for perfection there seems to be precious little
margin - of - safety to insulate investors should these initial skirmishes escalate into a
full - blown trade war.
Note: NetFreeEquity = Total Equity (AUM) minus collateral which can not be used to fund positions i.e. some assets such as stocks and bonds do not offer their
full value to be used as collateral
for covering
margin products.
Outlook As a result of positive trends experienced to date in 2013, the company is updating its guidance
for full year 2013
for Adjusted EBITDA, as adjusted, Adjusted net income, Adjusted company development
margin and Adjusted fully diluted earnings per share as follows:
Traders who can meet its $ 100,000 minimum deposit
for margin trading are rewarded with an industry - leading commissions schedule,
margin rates, and
full support
for international trading.
It was a good quarter
for Illinois Tool Works, and management's
full - year guidance implies continued
margin expansion and earnings growth.
Key steps along this path include completion of the transition to
full implementation of Basel III, including new liquidity requirements; enhanced prudential standards
for systemically important firms, including risk - based capital requirements, a leverage ratio, and tighter prudential buffers
for firms heavily reliant on short - term wholesale funding; expansion of the regulatory umbrella to incorporate all systemically important firms; the institution of an effective, cross-border resolution regime
for systemically important financial institutions; and consideration of regulations, such as minimum
margin requirements
for securities financing transactions, to limit leverage in sectors beyond the banking sector and SIFIs.
See the
full list of cash collateral
for margin financing used
for Net Free Equity calculation under our General Business Terms.
Though not in bubble territory,
full valuations leave less
margin for error and suggest more moderate gains moving forward.
North America reported development
margin increased to 22.1 percent
for the
full year 2013 from 18.2 percent in 2012.
Credit Suisse slashed
margin expectations
for the
full year 2018, and I don't blame analysts
for not trusting management's guidance anymore.
In its
full year results announced in February, the group's insurance profit
margin of 9.7 percent was near the top end of guidance of 8.5 percent to 10 percent, while its COR was within target range at 93.2 compared to 94.3 per cent
for the previous corresponding period.
Reported development
margin increased to 21.2 percent
for the
full year 2013 from 14.0 percent in 2012.
When the short leg is deeper in the money compared to the long leg (credit spread), the
full value of the long option is used
for coverage plus an additional
margin equal to the strike difference.
The
margin of sampling error
for the
full sample is plus or minus 2.6 % in 19 of 20 samples.
Since it is generally pre-cooked, there is a pretty broad
margin for error, but it will look and taste best if you do a
full smoke and get it up to 160 degrees or so (you do have a decent meat thermometer with a remote probe
for smoking, don't you?).
14 Best Falafel Recipes: Brit + Co — February 2017 10 Best #Foodspo Bloggers on Instagram: Delicious Magazine — February 2017 12 Hearty Weekday Meals: MyDomaine — February 2017 7 Foodie Instagram Accounts To Follow In 2017: My Home — January 2017 Our Favourite Foodies To Follow On Instagram — Lifestyle Food — 2016 10 Of Australia's Best Food Blogs:
Margin Media — August 2016 Must Read Links
For Food Writers & Bloggers: Dianne Jacobs — June 2016 The Full Helping: Weekend Reading — May 2016 Instagram Love: Hale Mercantile Co — April 2016 Best Food Blogs: First Site Guide — Feb 2016 8 food blog links we love: Food52 — Feb 2016 Watermelon Cake Recipe: Delicious Magazine — Jan 2016 Falafel Is A Winner / The Kitchn — Dec 2015 Yahoo Cake Of The Day — Sep 2015 10 Best Australian Blogs: Margin Media — June 2015 Hayden Quinn / Unrefined Series — June 2015 Cook Republic Workshop / Hannah Mccowatt — April 2015 6 Food Bloggers Whose Lives We Want To Steal: The Urban List — April 2015 Summer Lassis: Buzzfeed — June 2014 8 food blog links we love: Food52 — March 2014 15 creative vegan smoothies: Buzzfeed — March 2014 8 Australian food bloggers to know on Breakfast With Audrey — January 2014 100 Best Foodie Blogs Of 2013 by Institute Of The Psychology Of Eating — January 2014 Zucchini Coconut Bread Recipe: I Quit Sugar Blog — August 2013 40 Delicious Blueberry Recipes: 3 Loud Kids — July 2013 Quinoa Cookies: Popsugar Mums — June 2013 Top 3 Australian Blogs — Women's Fitness Magazine June 2013 Sneh Roy is Best Australia Blogger 2013 — Mumbrella 50 Quinoa Recipes: Wunda Woman Wellness — May 2013 5 Good Things For Friday: Justb Australia — May 2013 Top Finds Of The Week: hardtofind — May 2013 Top 10 Food Bloggers: Huffington Post — April 2013 AthleanXX For Women — March 2013 Bembu: 50 Healthy Dessert Recipes — March 2013 Bembu: 50 Healthy Vegetarian Recipes — March 2013 Better Homes And Gardens: Best Of The Blogs — March 2013 Whipperberry: 36 Fresh Spring Recipes — February 2013 Brit + Co — February 2013 Dark Chocolate Recipes: Huffinton Post — February 2013 Blisstree: Cauliflower Recipes — February 2013 10 Best Juice Brews: Camille Styles — January 2013 Delicious Things To Cook In January: Buzzfeed Food — January 2013 Bloglovin Up & Coming — January 2013 Gourmet Live — December 2012 Blogs We Love: Relish — December 2012 Best Holiday Snacks: Greatist — December 2012 Easy Fudge Recipes: Huffington Post — December 2012 Holiday Truffle Recipes: Huffington Post — December 2012 Babble: 20 Yummy Ways To Enjoy Hot Chocolate — November 2012 Wholesome Cook Blog — November 2012 101 Cookbooks Blog (Quinoa Croquettes)-- November 2012 50 Delicious Fudge Recipes — Six Sisters Stuff — November 2012 Drizzle And Dip: Chilli Cola Chicken — October 2012 Monday Morning Cooking Club blog — October 2012 Mint Design Blog — Take 5 — Spetember 2012 GLAM media's first cookbook Foodie — Back To School Launch issue of The Simple Things magazine by Future Publishing Ltd On the panel of judges for Eat Drink Blog Australia 2012 Photography Competition Village Voice (kidspot.com.au)-- 10 Healthy Quinoa Recipes — August 2012 Domessblissity — 16 Ways To Use Quinoa — June 2012 Fine Cooking Magazine (Basic Beautiful Pizza Feature)-- June 2012 Baking Bites — May 2012 Frankie Magazine Newsletter Bon Appetit — April 2012 Gourmet Live — April 2012 Top 100 Australia Food Twitterers Top 100 Australian Women Bloggers The Cheese Mag Saveur — Sites We Love Foodbuzz Top 9 Delicious Shots Magazine: Valentine's Issue, February 2012 Foodista Blog Of The Day, January 22 2012 Huffington Post, January 2012 Babble — 15 Chutney Recipes To Try, December 2011 Foodista — Must Try 5 Perfect Polenta Cakes, September 2011 Yummly — Cozy Into Fall With Savoury Seasonal Soups, September 2011 Foodie Crush — 5 Recipes For Hot, Barbecue & Buffalo Wings, September 2011 Love From The Oven — White Chocolate Recipes, July 2011 Luna Cafe — Fresh Blueberry Roundup, June 2011 Kalyn's Kitchen — South Beach Diet Recipes, June 2011 Foodista — Give A Fig Recipes, May 2011 Tipnut — 101 Homemade Fudge Recipes, November 2
For Food Writers & Bloggers: Dianne Jacobs — June 2016 The
Full Helping: Weekend Reading — May 2016 Instagram Love: Hale Mercantile Co — April 2016 Best Food Blogs: First Site Guide — Feb 2016 8 food blog links we love: Food52 — Feb 2016 Watermelon Cake Recipe: Delicious Magazine — Jan 2016 Falafel Is A Winner / The Kitchn — Dec 2015 Yahoo Cake Of The Day — Sep 2015 10 Best Australian Blogs:
Margin Media — June 2015 Hayden Quinn / Unrefined Series — June 2015 Cook Republic Workshop / Hannah Mccowatt — April 2015 6 Food Bloggers Whose Lives We Want To Steal: The Urban List — April 2015 Summer Lassis: Buzzfeed — June 2014 8 food blog links we love: Food52 — March 2014 15 creative vegan smoothies: Buzzfeed — March 2014 8 Australian food bloggers to know on Breakfast With Audrey — January 2014 100 Best Foodie Blogs Of 2013 by Institute Of The Psychology Of Eating — January 2014 Zucchini Coconut Bread Recipe: I Quit Sugar Blog — August 2013 40 Delicious Blueberry Recipes: 3 Loud Kids — July 2013 Quinoa Cookies: Popsugar Mums — June 2013 Top 3 Australian Blogs — Women's Fitness Magazine June 2013 Sneh Roy is Best Australia Blogger 2013 — Mumbrella 50 Quinoa Recipes: Wunda Woman Wellness — May 2013 5 Good Things
For Friday: Justb Australia — May 2013 Top Finds Of The Week: hardtofind — May 2013 Top 10 Food Bloggers: Huffington Post — April 2013 AthleanXX For Women — March 2013 Bembu: 50 Healthy Dessert Recipes — March 2013 Bembu: 50 Healthy Vegetarian Recipes — March 2013 Better Homes And Gardens: Best Of The Blogs — March 2013 Whipperberry: 36 Fresh Spring Recipes — February 2013 Brit + Co — February 2013 Dark Chocolate Recipes: Huffinton Post — February 2013 Blisstree: Cauliflower Recipes — February 2013 10 Best Juice Brews: Camille Styles — January 2013 Delicious Things To Cook In January: Buzzfeed Food — January 2013 Bloglovin Up & Coming — January 2013 Gourmet Live — December 2012 Blogs We Love: Relish — December 2012 Best Holiday Snacks: Greatist — December 2012 Easy Fudge Recipes: Huffington Post — December 2012 Holiday Truffle Recipes: Huffington Post — December 2012 Babble: 20 Yummy Ways To Enjoy Hot Chocolate — November 2012 Wholesome Cook Blog — November 2012 101 Cookbooks Blog (Quinoa Croquettes)-- November 2012 50 Delicious Fudge Recipes — Six Sisters Stuff — November 2012 Drizzle And Dip: Chilli Cola Chicken — October 2012 Monday Morning Cooking Club blog — October 2012 Mint Design Blog — Take 5 — Spetember 2012 GLAM media's first cookbook Foodie — Back To School Launch issue of The Simple Things magazine by Future Publishing Ltd On the panel of judges for Eat Drink Blog Australia 2012 Photography Competition Village Voice (kidspot.com.au)-- 10 Healthy Quinoa Recipes — August 2012 Domessblissity — 16 Ways To Use Quinoa — June 2012 Fine Cooking Magazine (Basic Beautiful Pizza Feature)-- June 2012 Baking Bites — May 2012 Frankie Magazine Newsletter Bon Appetit — April 2012 Gourmet Live — April 2012 Top 100 Australia Food Twitterers Top 100 Australian Women Bloggers The Cheese Mag Saveur — Sites We Love Foodbuzz Top 9 Delicious Shots Magazine: Valentine's Issue, February 2012 Foodista Blog Of The Day, January 22 2012 Huffington Post, January 2012 Babble — 15 Chutney Recipes To Try, December 2011 Foodista — Must Try 5 Perfect Polenta Cakes, September 2011 Yummly — Cozy Into Fall With Savoury Seasonal Soups, September 2011 Foodie Crush — 5 Recipes For Hot, Barbecue & Buffalo Wings, September 2011 Love From The Oven — White Chocolate Recipes, July 2011 Luna Cafe — Fresh Blueberry Roundup, June 2011 Kalyn's Kitchen — South Beach Diet Recipes, June 2011 Foodista — Give A Fig Recipes, May 2011 Tipnut — 101 Homemade Fudge Recipes, November 2
For Friday: Justb Australia — May 2013 Top Finds Of The Week: hardtofind — May 2013 Top 10 Food Bloggers: Huffington Post — April 2013 AthleanXX
For Women — March 2013 Bembu: 50 Healthy Dessert Recipes — March 2013 Bembu: 50 Healthy Vegetarian Recipes — March 2013 Better Homes And Gardens: Best Of The Blogs — March 2013 Whipperberry: 36 Fresh Spring Recipes — February 2013 Brit + Co — February 2013 Dark Chocolate Recipes: Huffinton Post — February 2013 Blisstree: Cauliflower Recipes — February 2013 10 Best Juice Brews: Camille Styles — January 2013 Delicious Things To Cook In January: Buzzfeed Food — January 2013 Bloglovin Up & Coming — January 2013 Gourmet Live — December 2012 Blogs We Love: Relish — December 2012 Best Holiday Snacks: Greatist — December 2012 Easy Fudge Recipes: Huffington Post — December 2012 Holiday Truffle Recipes: Huffington Post — December 2012 Babble: 20 Yummy Ways To Enjoy Hot Chocolate — November 2012 Wholesome Cook Blog — November 2012 101 Cookbooks Blog (Quinoa Croquettes)-- November 2012 50 Delicious Fudge Recipes — Six Sisters Stuff — November 2012 Drizzle And Dip: Chilli Cola Chicken — October 2012 Monday Morning Cooking Club blog — October 2012 Mint Design Blog — Take 5 — Spetember 2012 GLAM media's first cookbook Foodie — Back To School Launch issue of The Simple Things magazine by Future Publishing Ltd On the panel of judges for Eat Drink Blog Australia 2012 Photography Competition Village Voice (kidspot.com.au)-- 10 Healthy Quinoa Recipes — August 2012 Domessblissity — 16 Ways To Use Quinoa — June 2012 Fine Cooking Magazine (Basic Beautiful Pizza Feature)-- June 2012 Baking Bites — May 2012 Frankie Magazine Newsletter Bon Appetit — April 2012 Gourmet Live — April 2012 Top 100 Australia Food Twitterers Top 100 Australian Women Bloggers The Cheese Mag Saveur — Sites We Love Foodbuzz Top 9 Delicious Shots Magazine: Valentine's Issue, February 2012 Foodista Blog Of The Day, January 22 2012 Huffington Post, January 2012 Babble — 15 Chutney Recipes To Try, December 2011 Foodista — Must Try 5 Perfect Polenta Cakes, September 2011 Yummly — Cozy Into Fall With Savoury Seasonal Soups, September 2011 Foodie Crush — 5 Recipes For Hot, Barbecue & Buffalo Wings, September 2011 Love From The Oven — White Chocolate Recipes, July 2011 Luna Cafe — Fresh Blueberry Roundup, June 2011 Kalyn's Kitchen — South Beach Diet Recipes, June 2011 Foodista — Give A Fig Recipes, May 2011 Tipnut — 101 Homemade Fudge Recipes, November 2
For Women — March 2013 Bembu: 50 Healthy Dessert Recipes — March 2013 Bembu: 50 Healthy Vegetarian Recipes — March 2013 Better Homes And Gardens: Best Of The Blogs — March 2013 Whipperberry: 36 Fresh Spring Recipes — February 2013 Brit + Co — February 2013 Dark Chocolate Recipes: Huffinton Post — February 2013 Blisstree: Cauliflower Recipes — February 2013 10 Best Juice Brews: Camille Styles — January 2013 Delicious Things To Cook In January: Buzzfeed Food — January 2013 Bloglovin Up & Coming — January 2013 Gourmet Live — December 2012 Blogs We Love: Relish — December 2012 Best Holiday Snacks: Greatist — December 2012 Easy Fudge Recipes: Huffington Post — December 2012 Holiday Truffle Recipes: Huffington Post — December 2012 Babble: 20 Yummy Ways To Enjoy Hot Chocolate — November 2012 Wholesome Cook Blog — November 2012 101 Cookbooks Blog (Quinoa Croquettes)-- November 2012 50 Delicious Fudge Recipes — Six Sisters Stuff — November 2012 Drizzle And Dip: Chilli Cola Chicken — October 2012 Monday Morning Cooking Club blog — October 2012 Mint Design Blog — Take 5 — Spetember 2012 GLAM media's first cookbook Foodie — Back To School Launch issue of The Simple Things magazine by Future Publishing Ltd On the panel of judges
for Eat Drink Blog Australia 2012 Photography Competition Village Voice (kidspot.com.au)-- 10 Healthy Quinoa Recipes — August 2012 Domessblissity — 16 Ways To Use Quinoa — June 2012 Fine Cooking Magazine (Basic Beautiful Pizza Feature)-- June 2012 Baking Bites — May 2012 Frankie Magazine Newsletter Bon Appetit — April 2012 Gourmet Live — April 2012 Top 100 Australia Food Twitterers Top 100 Australian Women Bloggers The Cheese Mag Saveur — Sites We Love Foodbuzz Top 9 Delicious Shots Magazine: Valentine's Issue, February 2012 Foodista Blog Of The Day, January 22 2012 Huffington Post, January 2012 Babble — 15 Chutney Recipes To Try, December 2011 Foodista — Must Try 5 Perfect Polenta Cakes, September 2011 Yummly — Cozy Into Fall With Savoury Seasonal Soups, September 2011 Foodie Crush — 5 Recipes For Hot, Barbecue & Buffalo Wings, September 2011 Love From The Oven — White Chocolate Recipes, July 2011 Luna Cafe — Fresh Blueberry Roundup, June 2011 Kalyn's Kitchen — South Beach Diet Recipes, June 2011 Foodista — Give A Fig Recipes, May 2011 Tipnut — 101 Homemade Fudge Recipes, November 2
for Eat Drink Blog Australia 2012 Photography Competition Village Voice (kidspot.com.au)-- 10 Healthy Quinoa Recipes — August 2012 Domessblissity — 16 Ways To Use Quinoa — June 2012 Fine Cooking Magazine (Basic Beautiful Pizza Feature)-- June 2012 Baking Bites — May 2012 Frankie Magazine Newsletter Bon Appetit — April 2012 Gourmet Live — April 2012 Top 100 Australia Food Twitterers Top 100 Australian Women Bloggers The Cheese Mag Saveur — Sites We Love Foodbuzz Top 9 Delicious Shots Magazine: Valentine's Issue, February 2012 Foodista Blog Of The Day, January 22 2012 Huffington Post, January 2012 Babble — 15 Chutney Recipes To Try, December 2011 Foodista — Must Try 5 Perfect Polenta Cakes, September 2011 Yummly — Cozy Into Fall With Savoury Seasonal Soups, September 2011 Foodie Crush — 5 Recipes
For Hot, Barbecue & Buffalo Wings, September 2011 Love From The Oven — White Chocolate Recipes, July 2011 Luna Cafe — Fresh Blueberry Roundup, June 2011 Kalyn's Kitchen — South Beach Diet Recipes, June 2011 Foodista — Give A Fig Recipes, May 2011 Tipnut — 101 Homemade Fudge Recipes, November 2
For Hot, Barbecue & Buffalo Wings, September 2011 Love From The Oven — White Chocolate Recipes, July 2011 Luna Cafe — Fresh Blueberry Roundup, June 2011 Kalyn's Kitchen — South Beach Diet Recipes, June 2011 Foodista — Give A Fig Recipes, May 2011 Tipnut — 101 Homemade Fudge Recipes, November 2010
But today the UK is on the
margins of the EU and heading further adrift with David Cameron pronouncing on the eurozone crisis as if he were prime minister of Canada, not a
full member of the EU and its single market
for almost 40 years.
Christie, whose approval ratings are pretty decent —
for a Republican governor in tough economic times — with narrow positive
margins in the three most recent polls, may not take the
full brunt of the beating.
«
For many boys and young men this is a time of uncertainty - too many under - perform and some risk falling into the
margins of our society, unable to play their
full part as citizens, employees and future fathers,» Mr Brown said.
So, after clinging on
for a
full five years Major goes to the polls, Smith wins with ease, presiding over a Labour majority of 150, an even bigger
margin of victory than that achieved by Clement Attlee after World War II.
Now that she's won statewide election by a 26 - point
margin, and has no credible challengers on the horizon
for next year, when she'll run
for a
full term, it's becoming clearer what she intends to do with the remarkable political opportunity she has been given.
Results
for the
full sample have a
margin of error of plus or minus 3.9 percentage points; the
margin of error is larger
for subgroups.
The
margin of sampling error
for estimates about the
full U.S. - based membership of AAAS is + / - 1.7 percentage points.
The
margin of error
for results based on the
full sample is + / - 3.1 percentage points.
I started with about half that but came to the realization that I do not do laundry frequently enough
for a 1 week rotation and I need a
full two - weeks» worth of clothes plus extra
margin.
The
margin of error
for the
full sample is estimated at 2.3 percentage points.
The
margin of error
for responses given by the
full sample in the EdNext - PEPG survey is roughly 3 percentage points
for questions on which opinion is evenly split.
With 3,251 total respondents, the
margin of error
for responses given by the
full sample in the Education Next — PEPG survey is 1.7 percentage points (
for items on which opinion is evenly split).
With some 2,600 total respondents, the
margin of error
for responses given by the
full sample in the Education Next — PEPG survey is roughly 2 percentage points
for questions on which opinion is evenly split.
With 2,776 total respondents, the
margin of error
for responses given by the
full sample in the Education Next — PEPG survey is 1.86 percentage points
for questions on which opinion is evenly split.
With 3,200 total respondents, the
margin of error
for responses given by the
full sample in the Education Next - PEPG survey is roughly 1 percentage point.
With 2,000 respondents, the
margin of error
for responses given by the
full sample in the Education Next — PEPG survey is roughly 2 percentage points.
With 3,200 total respondents, the
margin of error
for responses given by the
full sample in the Education Nex t — PEPG survey is roughly 1 percentage point.
The
margin of error
for responses given by the
full sample in the PEPG - EdNext survey is roughly two percentage points.
The poll, the organization's 49th annual national survey of public attitudes toward education, drew responses from 1,588 adults, with a
margin of error of plus or minus 5 percentage points
for the
full sample.
Partially Accredited: Warned School - Graduation and Completion Index — High schools that have achieved the adjusted SOL pass rates required
for full accreditation, but that are not within a narrow
margin of, nor making acceptable progress toward, achieving the GCI required
for full accreditation
Partially Accredited: Improving School - Graduation and Completion Index — High schools that have attained the adjusted pass rates required
for full accreditation, and that have improved their GCI by at least one point from the previous year, but that are not within a narrow
margin of the GCI required
for full accreditation.
MILAN, July 31 (Reuters)- Italian brakes maker Brembo revised its revenue growth and EBITDA
margin forecast
for the
full year after strong first - quarter figures and a solid second quarter, Deputy Chairman Matteo Tiraboschi said on Thursday.
For years, many foreign automakers looked longingly at the U.S.
full - size pickup market, with its big sales volumes and hefty profit
margins.