Not exact matches
When the
Bank of Canada raised interest rates on July 12, Governor Stephen Poloz said the
timing of the
next increase will depend on future data.
The European Central
Bank is set to receive updated data when it meets
next month, but according to its president, it is not yet
time to tighten monetary policy.
Now is the
time, in our view, as valuations become stretched, to begin balancing out one's factor exposures; the
next large drawdown will likely create an opportunity to
bank some alpha relative to traditional beta exposures.
«I wouldn't have thought you could have a [company that's both a]
banking company and a technology company trading at less than 20
times next year's earnings,» he adds.
OPINION:
Bank bashing is one of Australia's favourite sports, and while it is generally played when
banks are behaving badly, there is a
time when the
banks become political footballs for playing well, which is what will probably happen
next week — for 16 billion reasons.
The National
Bank's chief economist, Stefane Marion, predicts the S&P / TSX will hit 12,700 by this
time next year, while Warren Jestin, Scotiabank's chief economist, thinks the index will top 12,750.
The Fed's target is achieving full employment, the situation in which every job - seeker can easily and speedily find work, which the
bank believes is consistent with 5 - 6 % unemployment (even with full - employment, goes the theory, a number of workers would be unemployed at any given
time as they transition from one job to the
next).
The decision by the SNB to call
time on its efforts to prevent the euro from trading below 1.20 francs was a huge surprise and came amid mounting speculation that the European Central
Bank will
next week back a big stimulus program that will put more euros in circulation which would further dilute their value.
The
next full update of the
Bank's outlook for the economy and inflation, including risks to the projection, will be published in the MPR at the same
time.
The stock trades at just about 11
times its expected earnings for
next year — and it trades at the widest discount - to - book value of the major
banks.
The
next full update of the
Bank's outlook for the economy and inflation, including risks to the projection, will be published in the MPR at that
time.
This implies the market is expecting the
Bank of Canada to cut rates for some period of
time in the
next 2 years, otherwise an investor would be better off lending shorter term and earning the higher rate.
Maybe not this year or
next, but when the
next financial crisis in
banking happens this
next time it will be on a far worse scale and impact to the people and the bankers will still get their bonus's, stock options and buy more airplanes.
The
next time I checked my
bank account it showed that the deposit was returned.
Payably can help your small business to maintain its competitive edge by putting money into your
bank account faster and giving you more
time to focus on that
next big project.
The
next cab off the rank is
next month's U.S. Federal Reserve meeting — when we expect the central
bank to raise interest rates for the first
time in almost a decade.
As I sat with a few people and «war - gamed» what the
next recession will look like, a general agreement emerged that the credit markets will be far more volatile than they were last
time, even though
banks are better capitalized today than they were 10 years ago.
The Monetary Policy Committee of the
Bank of England
next meets on December 12 - 13, 2017, for the last
time this year.
Mercer said the board decided to revise its outlook in light of the recent housing changes and growing expectations that the
Bank of Canada could raise its interest rate
next week for the first
time in seven years.
The current consensus is that the central
bank will rates interest rates two to three
times over the course of
next year.
This
time, Mnuchin has issued a warning that bitcoin has all the makings of the
next «Swiss
Bank Account,» expressing concerns that are twofold — bitcoin could be treated as an offshore account for money laundering and the rise of the cryptocurrency places consumers in a position to get hurt.
This
time, Mnuchin has issued a warning that bitcoin has all the makings of the
next «Swiss
Bank Account,» expressing concerns -LSB-...]
The three - day convention features panel and keynote speakers highlighting various aspects of financial services including alternative lending and credit, B2B payments and finance, blockchain technology, data and algorithm - based innovation, digital
banking and personal finance, economic inclusion and financial health, entrepreneurship and investing, real -
time cross-border payments, insurance tech, issuing innovations, legal and regulatory issues, marketing and customer experience, mobile wallets and payments, new market research,
next gen retail and commerce, PSO, as well as security and fraud.
If they are located in a country where we have
bank integrations, or a city with Abra Tellers, ask them to try Abra
next time you need to send money to them and let us know how it goes!
TD is basing the fresh assessment on the fact that a whopping 70,000 units are set to be completed this year and
next — a number the
bank calls «striking» — at a
time when buyer demand for new units already appears to be «dwindling,» the
bank said.
Notley may be holding back for a number of reasons: (1) electoral reform wasn't part of her platform so she may be reluctant to spring it on Albertans, (2) she may be waiting to see how Trudeau's electoral reform works out and (3) she may be
banking on the fact that the WR and PCs won't get it together in
time for the
next election.
Canadians have amassed a $ 2 - trillion mountain of household debt that's casting a big shadow over the
timing of the
Bank of Canada's
next interest rate hike, governor Stephen Poloz said in a speech Tuesday in Yellowknife.
As illustrated by the
next chart, the year - over-year rate of growth in commercial
bank credit was slightly above 8 % at around the
time of the Presidential election in late - 2016 and is now about 3 %.
The governor also provided detail on issues the
bank is examining as it considers the
timing of its
next rate increase.
While the mainstream view has been that markets tend towards equilibrium and the role of
banks and finance can largely be ignored, Minsky argued that in the good
times the seeds of the
next crisis are sown as the financial sector engages in riskier and riskier lending in pursuit of profit.
We expect the
Bank to hike interest rates just two more
times over the
next two years.
Real -
time funds transfers between
bank accounts, even from different institutions, will be made possible from January
next year thanks to a billion - dollar infrastructure upgrade.
Things have yet to slow down and I don't see that happening any
time soon considering we're headed to Branson, MO
next week, Lake Erie and Colorado in August and the Outer
Banks in September.
Next time you have a hankerin» for swordfish from Block Island, scallops from Georges
Bank or Yellowfin Tuna from the Caribbean, -LSB-...]
Next time you have a hankerin» for swordfish from Block Island, scallops from Georges
Bank or Yellowfin Tuna from the Caribbean, there's no need to charter a jet to satisfy your craving for seafood sensations like these.
Time for some brutal honesty... this team, as it stands, is in no better position to compete next season than they were 12 months ago, minus the fact that some fans have been easily snowed by the acquisition of Lacazette, the free transfer LB and the release of Sanogo... if you look at the facts carefully you will see a team that still has far more questions than answers... to better show what I mean by this statement I will briefly discuss the current state of affairs on a position - by - position basis... in goal we have 4 potential candidates, but in reality we have only 1 option with any real future and somehow he's the only one we have actively tried to get rid of for years because he and his father were a little too involved on social media and he got caught smoking (funny how people still defend Wiltshire under the same and far worse circumstances)... you would think we would want to keep any goaltender that Juventus had interest in, as they seem to have a pretty good history when it comes to that position... as far as the defenders on our current roster there are only a few individuals whom have the skill and / or youth worthy of our time and / or investment, as such we should get rid of anyone who doesn't meet those simple requirements, which means we should get rid of DeBouchy, Gibbs, Gabriel, Mertz and loan out Chambers to see if last seasons foray with Middlesborough was an anomaly or a prediction of things to come... some fans have lamented wildly about the return of Mertz to the starting lineup due to his FA Cup performance but these sort of pie in the sky meanderings are indicative of what's wrong with this club and it's wishy - washy fan - base... in addition to these moves the club should aggressively pursue the acquisition of dominant and mobile CB to stabilize an all too fragile defensive group that has self - destructed on numerous occasions over the past 5 seasons... moving forward and building on our need to re-establish our once dominant presence throughout the middle of the park we need to target a CDM then do whatever it takes to get that player into the fold without any of the usual nickel and diming we have become famous for (this kind of ruthless haggling has cost us numerous special players and certainly can't help make the player in question feel good about the way their future potential employer feels about them)... in order for us to become dominant again we need to be strong up the middle again from Goalkeeper to CB to DM to ACM to striker, like we did in our most glorious years before and during Wenger's reign... with this in mind, if we want Ozil to be that dominant attacking midfielder we can't keep leaving him exposed to constant ridicule about his lack of defensive prowess and provide him with the proper players in the final third... he was never a good defensive player in Real or with the German National squad and they certainly didn't suffer as a result of his presence on the pitch... as for the rest of the midfield the blame falls squarely in the hands of Wenger and Gazidis, the fact that Ramsey, Ox, Sanchez and even Ozil were allowed to regularly start when none of the aforementioned had more than a year left under contract is criminal for a club of this size and financial might... the fact that we could find money for Walcott and Xhaka, who weren't even guaranteed starters, means that our whole business model needs a complete overhaul... for me it's time to get rid of some serious deadweight, even if it means selling them below what you believe their market value is just to simply right this ship and change the stagnant culture that currently exists... this means saying goodbye to Wiltshire, Elneny, Carzola, Walcott and Ramsey... everyone, minus Elneny, have spent just as much time on the training table as on the field of play, which would be manageable if they weren't so inconsistent from a performance standpoint (excluding Carzola, who is like the recent version of Rosicky — too bad, both will be deeply missed)... in their places we need to bring in some proven performers with no history of injuries... up front, although I do like the possibilities that a player like Lacazette presents, the fact that we had to wait so many years to acquire some true quality at the striker position falls once again squarely at the feet of Wenger... this issue highlights the ultimate scam being perpetrated by this club since the arrival of Kroenke: pretend your a small market club when it comes to making purchases but milk your fans like a big market club when it comes to ticket prices and merchandising... I believe the reason why Wenger hasn't pursued someone of Henry's quality, minus a fairly inexpensive RVP, was that he knew that they would demand players of a similar ilk to be brought on board and that wasn't possible when the business model was that of a «selling» club... does it really make sense that we could only make a cheeky bid for Suarez, or that we couldn't get Higuain over the line when he was being offered up for half the price he eventually went to Juve for, or that we've only paid any interest to strikers who were clearly not going to press their current teams to let them go to Arsenal like Benzema or Cavani... just part of the facade that finally came crashing down when Sanchez finally called their bluff... the fact remains that no one wants to win more than Sanchez, including Wenger, and although I don't agree with everything that he has done off the field, I would much rather have Alexis front and center than a manager who has clearly bought into the Kroenke model in large part due to the fact that his enormous ego suggests that only he could accomplish great things without breaking the bank... unfortunately that isn't possible anymore as the game has changed quite dramatically in the last 15 years, which has left a largely complacent and complicit Wenger on the outside looking in... so don't blame those players who demanded more and were left wanting... don't blame those fans who have tried desperately to raise awareness for several years when cracks began to appear... place the blame at the feet of those who were well aware all along of the potential pitfalls of just such a plan but continued to follow it even when it was no longer a financial necessity, like it ever really wa
Time for some brutal honesty... this team, as it stands, is in no better position to compete
next season than they were 12 months ago, minus the fact that some fans have been easily snowed by the acquisition of Lacazette, the free transfer LB and the release of Sanogo... if you look at the facts carefully you will see a team that still has far more questions than answers... to better show what I mean by this statement I will briefly discuss the current state of affairs on a position - by - position basis... in goal we have 4 potential candidates, but in reality we have only 1 option with any real future and somehow he's the only one we have actively tried to get rid of for years because he and his father were a little too involved on social media and he got caught smoking (funny how people still defend Wiltshire under the same and far worse circumstances)... you would think we would want to keep any goaltender that Juventus had interest in, as they seem to have a pretty good history when it comes to that position... as far as the defenders on our current roster there are only a few individuals whom have the skill and / or youth worthy of our
time and / or investment, as such we should get rid of anyone who doesn't meet those simple requirements, which means we should get rid of DeBouchy, Gibbs, Gabriel, Mertz and loan out Chambers to see if last seasons foray with Middlesborough was an anomaly or a prediction of things to come... some fans have lamented wildly about the return of Mertz to the starting lineup due to his FA Cup performance but these sort of pie in the sky meanderings are indicative of what's wrong with this club and it's wishy - washy fan - base... in addition to these moves the club should aggressively pursue the acquisition of dominant and mobile CB to stabilize an all too fragile defensive group that has self - destructed on numerous occasions over the past 5 seasons... moving forward and building on our need to re-establish our once dominant presence throughout the middle of the park we need to target a CDM then do whatever it takes to get that player into the fold without any of the usual nickel and diming we have become famous for (this kind of ruthless haggling has cost us numerous special players and certainly can't help make the player in question feel good about the way their future potential employer feels about them)... in order for us to become dominant again we need to be strong up the middle again from Goalkeeper to CB to DM to ACM to striker, like we did in our most glorious years before and during Wenger's reign... with this in mind, if we want Ozil to be that dominant attacking midfielder we can't keep leaving him exposed to constant ridicule about his lack of defensive prowess and provide him with the proper players in the final third... he was never a good defensive player in Real or with the German National squad and they certainly didn't suffer as a result of his presence on the pitch... as for the rest of the midfield the blame falls squarely in the hands of Wenger and Gazidis, the fact that Ramsey, Ox, Sanchez and even Ozil were allowed to regularly start when none of the aforementioned had more than a year left under contract is criminal for a club of this size and financial might... the fact that we could find money for Walcott and Xhaka, who weren't even guaranteed starters, means that our whole business model needs a complete overhaul... for me it's time to get rid of some serious deadweight, even if it means selling them below what you believe their market value is just to simply right this ship and change the stagnant culture that currently exists... this means saying goodbye to Wiltshire, Elneny, Carzola, Walcott and Ramsey... everyone, minus Elneny, have spent just as much time on the training table as on the field of play, which would be manageable if they weren't so inconsistent from a performance standpoint (excluding Carzola, who is like the recent version of Rosicky — too bad, both will be deeply missed)... in their places we need to bring in some proven performers with no history of injuries... up front, although I do like the possibilities that a player like Lacazette presents, the fact that we had to wait so many years to acquire some true quality at the striker position falls once again squarely at the feet of Wenger... this issue highlights the ultimate scam being perpetrated by this club since the arrival of Kroenke: pretend your a small market club when it comes to making purchases but milk your fans like a big market club when it comes to ticket prices and merchandising... I believe the reason why Wenger hasn't pursued someone of Henry's quality, minus a fairly inexpensive RVP, was that he knew that they would demand players of a similar ilk to be brought on board and that wasn't possible when the business model was that of a «selling» club... does it really make sense that we could only make a cheeky bid for Suarez, or that we couldn't get Higuain over the line when he was being offered up for half the price he eventually went to Juve for, or that we've only paid any interest to strikers who were clearly not going to press their current teams to let them go to Arsenal like Benzema or Cavani... just part of the facade that finally came crashing down when Sanchez finally called their bluff... the fact remains that no one wants to win more than Sanchez, including Wenger, and although I don't agree with everything that he has done off the field, I would much rather have Alexis front and center than a manager who has clearly bought into the Kroenke model in large part due to the fact that his enormous ego suggests that only he could accomplish great things without breaking the bank... unfortunately that isn't possible anymore as the game has changed quite dramatically in the last 15 years, which has left a largely complacent and complicit Wenger on the outside looking in... so don't blame those players who demanded more and were left wanting... don't blame those fans who have tried desperately to raise awareness for several years when cracks began to appear... place the blame at the feet of those who were well aware all along of the potential pitfalls of just such a plan but continued to follow it even when it was no longer a financial necessity, like it ever really wa
time and / or investment, as such we should get rid of anyone who doesn't meet those simple requirements, which means we should get rid of DeBouchy, Gibbs, Gabriel, Mertz and loan out Chambers to see if last seasons foray with Middlesborough was an anomaly or a prediction of things to come... some fans have lamented wildly about the return of Mertz to the starting lineup due to his FA Cup performance but these sort of pie in the sky meanderings are indicative of what's wrong with this club and it's wishy - washy fan - base... in addition to these moves the club should aggressively pursue the acquisition of dominant and mobile CB to stabilize an all too fragile defensive group that has self - destructed on numerous occasions over the past 5 seasons... moving forward and building on our need to re-establish our once dominant presence throughout the middle of the park we need to target a CDM then do whatever it takes to get that player into the fold without any of the usual nickel and diming we have become famous for (this kind of ruthless haggling has cost us numerous special players and certainly can't help make the player in question feel good about the way their future potential employer feels about them)... in order for us to become dominant again we need to be strong up the middle again from Goalkeeper to CB to DM to ACM to striker, like we did in our most glorious years before and during Wenger's reign... with this in mind, if we want Ozil to be that dominant attacking midfielder we can't keep leaving him exposed to constant ridicule about his lack of defensive prowess and provide him with the proper players in the final third... he was never a good defensive player in Real or with the German National squad and they certainly didn't suffer as a result of his presence on the pitch... as for the rest of the midfield the blame falls squarely in the hands of Wenger and Gazidis, the fact that Ramsey, Ox, Sanchez and even Ozil were allowed to regularly start when none of the aforementioned had more than a year left under contract is criminal for a club of this size and financial might... the fact that we could find money for Walcott and Xhaka, who weren't even guaranteed starters, means that our whole business model needs a complete overhaul... for me it's
time to get rid of some serious deadweight, even if it means selling them below what you believe their market value is just to simply right this ship and change the stagnant culture that currently exists... this means saying goodbye to Wiltshire, Elneny, Carzola, Walcott and Ramsey... everyone, minus Elneny, have spent just as much time on the training table as on the field of play, which would be manageable if they weren't so inconsistent from a performance standpoint (excluding Carzola, who is like the recent version of Rosicky — too bad, both will be deeply missed)... in their places we need to bring in some proven performers with no history of injuries... up front, although I do like the possibilities that a player like Lacazette presents, the fact that we had to wait so many years to acquire some true quality at the striker position falls once again squarely at the feet of Wenger... this issue highlights the ultimate scam being perpetrated by this club since the arrival of Kroenke: pretend your a small market club when it comes to making purchases but milk your fans like a big market club when it comes to ticket prices and merchandising... I believe the reason why Wenger hasn't pursued someone of Henry's quality, minus a fairly inexpensive RVP, was that he knew that they would demand players of a similar ilk to be brought on board and that wasn't possible when the business model was that of a «selling» club... does it really make sense that we could only make a cheeky bid for Suarez, or that we couldn't get Higuain over the line when he was being offered up for half the price he eventually went to Juve for, or that we've only paid any interest to strikers who were clearly not going to press their current teams to let them go to Arsenal like Benzema or Cavani... just part of the facade that finally came crashing down when Sanchez finally called their bluff... the fact remains that no one wants to win more than Sanchez, including Wenger, and although I don't agree with everything that he has done off the field, I would much rather have Alexis front and center than a manager who has clearly bought into the Kroenke model in large part due to the fact that his enormous ego suggests that only he could accomplish great things without breaking the bank... unfortunately that isn't possible anymore as the game has changed quite dramatically in the last 15 years, which has left a largely complacent and complicit Wenger on the outside looking in... so don't blame those players who demanded more and were left wanting... don't blame those fans who have tried desperately to raise awareness for several years when cracks began to appear... place the blame at the feet of those who were well aware all along of the potential pitfalls of just such a plan but continued to follow it even when it was no longer a financial necessity, like it ever really wa
time to get rid of some serious deadweight, even if it means selling them below what you believe their market value is just to simply right this ship and change the stagnant culture that currently exists... this means saying goodbye to Wiltshire, Elneny, Carzola, Walcott and Ramsey... everyone, minus Elneny, have spent just as much
time on the training table as on the field of play, which would be manageable if they weren't so inconsistent from a performance standpoint (excluding Carzola, who is like the recent version of Rosicky — too bad, both will be deeply missed)... in their places we need to bring in some proven performers with no history of injuries... up front, although I do like the possibilities that a player like Lacazette presents, the fact that we had to wait so many years to acquire some true quality at the striker position falls once again squarely at the feet of Wenger... this issue highlights the ultimate scam being perpetrated by this club since the arrival of Kroenke: pretend your a small market club when it comes to making purchases but milk your fans like a big market club when it comes to ticket prices and merchandising... I believe the reason why Wenger hasn't pursued someone of Henry's quality, minus a fairly inexpensive RVP, was that he knew that they would demand players of a similar ilk to be brought on board and that wasn't possible when the business model was that of a «selling» club... does it really make sense that we could only make a cheeky bid for Suarez, or that we couldn't get Higuain over the line when he was being offered up for half the price he eventually went to Juve for, or that we've only paid any interest to strikers who were clearly not going to press their current teams to let them go to Arsenal like Benzema or Cavani... just part of the facade that finally came crashing down when Sanchez finally called their bluff... the fact remains that no one wants to win more than Sanchez, including Wenger, and although I don't agree with everything that he has done off the field, I would much rather have Alexis front and center than a manager who has clearly bought into the Kroenke model in large part due to the fact that his enormous ego suggests that only he could accomplish great things without breaking the bank... unfortunately that isn't possible anymore as the game has changed quite dramatically in the last 15 years, which has left a largely complacent and complicit Wenger on the outside looking in... so don't blame those players who demanded more and were left wanting... don't blame those fans who have tried desperately to raise awareness for several years when cracks began to appear... place the blame at the feet of those who were well aware all along of the potential pitfalls of just such a plan but continued to follow it even when it was no longer a financial necessity, like it ever really wa
time on the training table as on the field of play, which would be manageable if they weren't so inconsistent from a performance standpoint (excluding Carzola, who is like the recent version of Rosicky — too bad, both will be deeply missed)... in their places we need to bring in some proven performers with no history of injuries... up front, although I do like the possibilities that a player like Lacazette presents, the fact that we had to wait so many years to acquire some true quality at the striker position falls once again squarely at the feet of Wenger... this issue highlights the ultimate scam being perpetrated by this club since the arrival of Kroenke: pretend your a small market club when it comes to making purchases but milk your fans like a big market club when it comes to ticket prices and merchandising... I believe the reason why Wenger hasn't pursued someone of Henry's quality, minus a fairly inexpensive RVP, was that he knew that they would demand players of a similar ilk to be brought on board and that wasn't possible when the business model was that of a «selling» club... does it really make sense that we could only make a cheeky bid for Suarez, or that we couldn't get Higuain over the line when he was being offered up for half the price he eventually went to Juve for, or that we've only paid any interest to strikers who were clearly not going to press their current teams to let them go to Arsenal like Benzema or Cavani... just part of the facade that finally came crashing down when Sanchez finally called their bluff... the fact remains that no one wants to win more than Sanchez, including Wenger, and although I don't agree with everything that he has done off the field, I would much rather have Alexis front and center than a manager who has clearly bought into the Kroenke model in large part due to the fact that his enormous ego suggests that only he could accomplish great things without breaking the
bank... unfortunately that isn't possible anymore as the game has changed quite dramatically in the last 15 years, which has left a largely complacent and complicit Wenger on the outside looking in... so don't blame those players who demanded more and were left wanting... don't blame those fans who have tried desperately to raise awareness for several years when cracks began to appear... place the blame at the feet of those who were well aware all along of the potential pitfalls of just such a plan but continued to follow it even when it was no longer a financial necessity, like it ever really was...
You have a point about rock but hes far too busy and has too much money to trot out on tv every cple weeks for
next to no money (compared to his movies) the ronda thing has been all over sports sites and entertainment sites im not really a ronda fan but i cant deny she has mainstream appeal (not nearly as much as before but still has it) lets put it this way whens the last
time we saw something like «sasha
banks (insert every wwe star) wrestles tonight» featured in major media publications online.
This match is going to determine the direction of the women's division for some
time yet and help lead SmackDown into its
next championship program and what the brand will do at its
next pay - per - view, June's Money in the
Bank.
The village agreed to allow the
bank to stay in the building though
next winter, giving it
time to construct a new building on the opposite corner of the intersection.
From some
time next year, the
bank will be responsible for setting monetary policy (something that is done reasonably satisfactorily despite all the turbulence of the last few years), supervision of a large part of the financial services industry and it will have a new responsibility for something called «macro prudential supervision».
And
next year, for the first
time in our history, money will be flowing from
bank accounts in Switzerland to Britain instead of the other way round.
Cars, taxis and lorries are likely to be banned from
Bank junction in central London at peak
times from
next spring
Janet Yellen, the Federal Reserve chairwoman, made a relaxed appearance at New York University last night, answering questions about her life in economics and her
time at the Fed one day after she announced plans to leave the central
bank next year.
To ensure a fuller communication between the
Bank and the Treasury, I am changing the
timing of the open letter system so that when inflation is above target, the governor will write to me on the day the minutes of the
next MPC meeting are published to allow for a more substantive exchange of views.
Due to settlements with
banks, the state's latest financial plan projects there will be $ 5.1 billion in one -
time cash to spend in the
next fiscal year, setting off a hurried scramble over who would get what slice of the pie.
He said that by the
time of the
next IMF and World
Bank Annual Meetings, he intends to set a similarly «reasonable and audacious» target for ending poverty.
This tissue
bank determined control cases to be free of mental illness, intellectual disability, and neurological disorder, including autism, based on information gathered in a detailed questionnaire at the
time of death from
next of kin.
But gene
banks are more than just a global backup system for the
next time the human race accidently deletes an important file.
I really will add
banking powder
next time.
I'd love to try it one day, I'm going to be trying out the Left
Bank on our
next trip but the
time after that I'll remember MO!