Sentences with phrase «with other assistance programs»

Not exact matches

Ideally, benefits of this special 8 (a) program to the protà © gà © firm — which can have only one mentor at a time — will include technical and management assistance; options to enter into joint - venture business agreements with mentor firms to compete for government contracts; financial assistance in the form of equity or loans; and qualification for other SBA assistance programs.

These risks and uncertainties include: Gilead's ability to achieve its anticipated full year 2018 financial results; Gilead's ability to sustain growth in revenues for its antiviral and other programs; the risk that private and public payers may be reluctant to provide, or continue to provide, coverage or reimbursement for new products, including Vosevi, Yescarta, Epclusa, Harvoni, Genvoya, Odefsey, Descovy, Biktarvy and Vemlidy ®; austerity measures in European countries that may increase the amount of discount required on Gilead's products; an increase in discounts, chargebacks and rebates due to ongoing contracts and future negotiations with commercial and government payers; a larger than anticipated shift in payer mix to more highly discounted payer segments and geographic regions and decreases in treatment duration; availability of funding for state AIDS Drug Assistance Programs (ADAPs); continued fluctuations in ADAP purchases driven by federal and state grant cycles which may not mirror patient demand and may cause fluctuations in Gilead's earnings; market share and price erosion caused by the introduction of generic versions of Viread and Truvada, an uncertain global macroeconomic environment; and potential amendments to the Affordable Care Act or other government action that could have the effect of lowering prices or reducing the number of insured patients; the possibility of unfavorable results from clinical trials involving investigational compounds; Gilead's ability to initiate clinical trials in its currently anticipated timeframes; the levels of inventory held by wholesalers and retailers which may cause fluctuations in Gilead's earnings; Kite's ability to develop and commercialize cell therapies utilizing the zinc finger nuclease technology platform and realize the benefits of the Sangamo partnership; Gilead's ability to submit new drug applications for new product candidates in the timelines currently anticipated; Gilead's ability to receive regulatory approvals in a timely manner or at all, for new and current products, including Biktarvy; Gilead's ability to successfully commercialize its products, including Biktarvy; the risk that physicians and patients may not see advantages of these products over other therapies and may therefore be reluctant to prescribe the products; Gilead's ability to successfully develop its hematology / oncology and inflammation / respiratory programs; safety and efficacy data from clinical studies may not warrant further development of Gilead's product candidates, including GS - 9620 and Yescarta in combination with Pfizer's utomilumab; Gilead's ability to pay dividends or complete its share repurchase program due to changes in its stock price, corporate or other market conditions; fluctuations in the foreign exchange rate of the U.S. dollar that may cause an unfavorable foreign currency exchange impact on Gilead's future revenues and pre-tax earnings; and other risks identified from time to time in Gilead's reports filed with the U.S. Securities and Exchange Commission (tprograms; the risk that private and public payers may be reluctant to provide, or continue to provide, coverage or reimbursement for new products, including Vosevi, Yescarta, Epclusa, Harvoni, Genvoya, Odefsey, Descovy, Biktarvy and Vemlidy ®; austerity measures in European countries that may increase the amount of discount required on Gilead's products; an increase in discounts, chargebacks and rebates due to ongoing contracts and future negotiations with commercial and government payers; a larger than anticipated shift in payer mix to more highly discounted payer segments and geographic regions and decreases in treatment duration; availability of funding for state AIDS Drug Assistance Programs (ADAPs); continued fluctuations in ADAP purchases driven by federal and state grant cycles which may not mirror patient demand and may cause fluctuations in Gilead's earnings; market share and price erosion caused by the introduction of generic versions of Viread and Truvada, an uncertain global macroeconomic environment; and potential amendments to the Affordable Care Act or other government action that could have the effect of lowering prices or reducing the number of insured patients; the possibility of unfavorable results from clinical trials involving investigational compounds; Gilead's ability to initiate clinical trials in its currently anticipated timeframes; the levels of inventory held by wholesalers and retailers which may cause fluctuations in Gilead's earnings; Kite's ability to develop and commercialize cell therapies utilizing the zinc finger nuclease technology platform and realize the benefits of the Sangamo partnership; Gilead's ability to submit new drug applications for new product candidates in the timelines currently anticipated; Gilead's ability to receive regulatory approvals in a timely manner or at all, for new and current products, including Biktarvy; Gilead's ability to successfully commercialize its products, including Biktarvy; the risk that physicians and patients may not see advantages of these products over other therapies and may therefore be reluctant to prescribe the products; Gilead's ability to successfully develop its hematology / oncology and inflammation / respiratory programs; safety and efficacy data from clinical studies may not warrant further development of Gilead's product candidates, including GS - 9620 and Yescarta in combination with Pfizer's utomilumab; Gilead's ability to pay dividends or complete its share repurchase program due to changes in its stock price, corporate or other market conditions; fluctuations in the foreign exchange rate of the U.S. dollar that may cause an unfavorable foreign currency exchange impact on Gilead's future revenues and pre-tax earnings; and other risks identified from time to time in Gilead's reports filed with the U.S. Securities and Exchange Commission (tPrograms (ADAPs); continued fluctuations in ADAP purchases driven by federal and state grant cycles which may not mirror patient demand and may cause fluctuations in Gilead's earnings; market share and price erosion caused by the introduction of generic versions of Viread and Truvada, an uncertain global macroeconomic environment; and potential amendments to the Affordable Care Act or other government action that could have the effect of lowering prices or reducing the number of insured patients; the possibility of unfavorable results from clinical trials involving investigational compounds; Gilead's ability to initiate clinical trials in its currently anticipated timeframes; the levels of inventory held by wholesalers and retailers which may cause fluctuations in Gilead's earnings; Kite's ability to develop and commercialize cell therapies utilizing the zinc finger nuclease technology platform and realize the benefits of the Sangamo partnership; Gilead's ability to submit new drug applications for new product candidates in the timelines currently anticipated; Gilead's ability to receive regulatory approvals in a timely manner or at all, for new and current products, including Biktarvy; Gilead's ability to successfully commercialize its products, including Biktarvy; the risk that physicians and patients may not see advantages of these products over other therapies and may therefore be reluctant to prescribe the products; Gilead's ability to successfully develop its hematology / oncology and inflammation / respiratory programs; safety and efficacy data from clinical studies may not warrant further development of Gilead's product candidates, including GS - 9620 and Yescarta in combination with Pfizer's utomilumab; Gilead's ability to pay dividends or complete its share repurchase program due to changes in its stock price, corporate or other market conditions; fluctuations in the foreign exchange rate of the U.S. dollar that may cause an unfavorable foreign currency exchange impact on Gilead's future revenues and pre-tax earnings; and other risks identified from time to time in Gilead's reports filed with the U.S. Securities and Exchange Commission (tprograms; safety and efficacy data from clinical studies may not warrant further development of Gilead's product candidates, including GS - 9620 and Yescarta in combination with Pfizer's utomilumab; Gilead's ability to pay dividends or complete its share repurchase program due to changes in its stock price, corporate or other market conditions; fluctuations in the foreign exchange rate of the U.S. dollar that may cause an unfavorable foreign currency exchange impact on Gilead's future revenues and pre-tax earnings; and other risks identified from time to time in Gilead's reports filed with the U.S. Securities and Exchange Commission (the SEC).

The programs may provide assistance for down payments, closing costs, tax credits, and other expenses associated with buying a home.

With the objective of learning from the rich experiences and lessons that other countries have gained from their own programs, teams of researchers at Ryerson University and California Lutheran University looked at a wide range of assistance programs targeting branding, financing, and management - associated challenges, among other issues.

With the objective of learning from the rich experiences and lessons that other countries have gained from their own programs, in early 2016, the Asia Pacific Foundation of Canada announced a competitive policy research grant for research on best practices by foreign SME export assistance programs.

We provide this other compensation to enhance the competitiveness of our executive compensation program and to increase the productivity (corporate aircraft travel, professional assistance with tax return preparation and financial planning), safety (security services and equipment) and health (annual physical examinations) of our executives so they can focus on producing superior financial returns for our shareowners.

With the objective of learning from the rich experiences and lessons that other countries have gained from small - and medium - sized enterprise (SME) export assistance programs, the Asia Pacific Foundation of Canada presents a new research report series, «Going Global.»

With the objective of learning from the rich experiences and lessons that other countries have gained from small - and medium - sized enterprise (SME) export assistance programs, the Asia Pacific...

Joint Base Lewis - McChord's Service Member for Life — Transition Assistance Program has coordinated with the Department of Labor and other transition organizations to bring the first American Job Center to a military installation.

Most recently, Ms. Ilse has consulted with hospitals to improve their programs and works with families who need support and assistance in working with their hospitals, funeral homes, vital statistics, and other systems.

Grants are available to state agencies that administer the National School Lunch Program (NSLP) and the School Breakfast Program (SBP) to fund the costs of improving direct certification rates with the Supplemental Nutrition Assistance Program (SNAP), and other needs - based assistanceAssistance Program (SNAP), and other needs - based assistanceassistance programs.

Community - based parent support programs are based on the belief that when parents receive parenting support as well as other supports and resources, they are more likely to feel better about themselves and their parenting abilities, and in turn interact with their children in responsive and supportive ways enhancing the development of their children.3 Bronfenbrenner, 16 Cochran, 17 and others18, 19 have noted that parenting knowledge and skills are learned and strengthened by the kinds of help and assistance provided by informal and formal social support network members.

By locating the markets in areas where the need is greatest, school officials can also coordinate assistance with other programs like Medicaid, food stamps and children's health insurance.

The Boys To Men Mentoring Program under the leadership of Principal — Ms. Natalie Dweck and Program Coordinators, Mr. Johnson and Mr. Ramsey, with the assistance of Blacks In Law Enforcement's NY Rep Damon K. Jones, BW's Editor - In - Chief AJ Woodson and others, who mentor the group of black boys helping them to become productive men.

Also, a new program called «No Student Goes Hungry Initiative» will require all SUNY and CUNY schools to open campus food pantries or to link students who need food with a social service provider or other assistance available on campus.

Each Community Partner organization will provide space for the MSW interns to meet with clients and answer questions about applying for help with food, heating bills, SNAP, WIC, legal assistance, home weatherization, health care, and other social services programs.

Gov. Andrew Cuomo said all of the proposals from New York will be supported by a full complement of state incentives, including Excelsior tax credits tied to potential job creation and other assistance with the development of office space, workforce development, educational programming and research collaborations.

This made $ 2.5 billion available nationally to help public assistance recipients and other low - income families meet basic living needs with a job that is supported by the subsidized employment programs.

The HEAP Hotline is also available to provide information about other programs available to assist with heat and electricity costs or furnace repair when HEAP benefits are closed for the season; information on the Weatherization Assistance Program, and referrals to EmPower NY; answer questions about HEAP benefits approved during the season; and provide information about the 2016 - 17 HEAP season.

The Assembly budget addresses those issues and others by doing away with Cuomo's proposed decrease in funding the city receives for its Emergency Assistance to Families program.

While Saudi Arabia and Kuwait have sought hands - on assistance with grant review and administration from the Research Competitiveness Program, others have participated in more wide - ranging discussions through a meeting series organized by the AAAS Center for Science, Technology and Security Policy (CSTSP).

BOX 23, A-15-4; 30219212 / 734979 SAPA Requests for Translations of SAPA materials, 1966 - 1968 Prerequisites for SAPA The Psychological Basis of SAPA, 1965 Requests for SAPA to be Used in Canada, 1966 - 1968 Requests for Assistance with Inservice programs, 1967 - 1968 Schools Using SAPA, 1966 - 1968 Speakers on SAPA for NSTA and Other Meetings, 1968 Suggestions for Revisions of Part 4, 1967 - 1968 Suggestions for Revisions of the Commentary, 1967 - 1968 Summer Institutes for SAPA, Locations, 1968 Summer Institutes for SAPA, Announcement Forms, 1968 Inservice Programs, 1968 - 1969 Consultant Recommendations, 1967 - 1968 Inquiries About Films, 1968 Inquiries About Kits, 1967 - 1968 Inquiries About Evaluations, 1968 Tryout Teacher List, 1967 - 1968 Tryout Centers, 1967 - 1968 Tryout Feedback Forms, 1967 - 1968 Tryout Center Coordinators, 1967 - 1968 Cancelled Tryout Centers, 1967 - 1968 Volunteer Teachers for Parts F & G, 1967 - 1968 List of Teachers for Tryout Centers, 1963 - 1966 Tucson, AZ, Dr. Ed McCullough, 1964 - 1968 Tallahassee, FL, Mr. VanPierce, 1964 - 1968 Chicago, IL, University of Chicago, Miss Illa Podendorf, 1965 - 1969 Monmouth, IL, Professor David Allison, 1964 - 1968 Overland Park, KS, Mr. R. Scott Irwin and Mrs. John Muller, 1964 - 1968 Baltimore, MD, Mr. Daniel Rochowiak, 1964 - 1968 Kern County, CA, Mr. Dale Easter and Mr. Edward Price, 1964 - 1967 Philadelphia, PA, Mrs. Margaret Efraemson, 1968 Austin, TX, Dr. David Butts, 1968 Seattle, WA, Mrs. Louisa Crook, 1968 Oshkosh, WI, Dr. Robert White, 1968 John R. Mayer, personal correspondence, 1966 - 1969 Teacher Response Sheets, 1966 - 1967 Overland, KS Oshkosh, WI Monmouth, IL Baltimore, MD Teacher Response Checklist SAPA Feedback, 1965 - 1966 Using Time Space Relations Communicating Observing Formulating Models Defining Operationally Interpreting Data Classifying (2 Folders) Measuring Inferring Predicting Formulating Hypothesis Controlling Variables Experimenting Using Numbers SAPA Response Sheets for Competency Measurprograms, 1967 - 1968 Schools Using SAPA, 1966 - 1968 Speakers on SAPA for NSTA and Other Meetings, 1968 Suggestions for Revisions of Part 4, 1967 - 1968 Suggestions for Revisions of the Commentary, 1967 - 1968 Summer Institutes for SAPA, Locations, 1968 Summer Institutes for SAPA, Announcement Forms, 1968 Inservice Programs, 1968 - 1969 Consultant Recommendations, 1967 - 1968 Inquiries About Films, 1968 Inquiries About Kits, 1967 - 1968 Inquiries About Evaluations, 1968 Tryout Teacher List, 1967 - 1968 Tryout Centers, 1967 - 1968 Tryout Feedback Forms, 1967 - 1968 Tryout Center Coordinators, 1967 - 1968 Cancelled Tryout Centers, 1967 - 1968 Volunteer Teachers for Parts F & G, 1967 - 1968 List of Teachers for Tryout Centers, 1963 - 1966 Tucson, AZ, Dr. Ed McCullough, 1964 - 1968 Tallahassee, FL, Mr. VanPierce, 1964 - 1968 Chicago, IL, University of Chicago, Miss Illa Podendorf, 1965 - 1969 Monmouth, IL, Professor David Allison, 1964 - 1968 Overland Park, KS, Mr. R. Scott Irwin and Mrs. John Muller, 1964 - 1968 Baltimore, MD, Mr. Daniel Rochowiak, 1964 - 1968 Kern County, CA, Mr. Dale Easter and Mr. Edward Price, 1964 - 1967 Philadelphia, PA, Mrs. Margaret Efraemson, 1968 Austin, TX, Dr. David Butts, 1968 Seattle, WA, Mrs. Louisa Crook, 1968 Oshkosh, WI, Dr. Robert White, 1968 John R. Mayer, personal correspondence, 1966 - 1969 Teacher Response Sheets, 1966 - 1967 Overland, KS Oshkosh, WI Monmouth, IL Baltimore, MD Teacher Response Checklist SAPA Feedback, 1965 - 1966 Using Time Space Relations Communicating Observing Formulating Models Defining Operationally Interpreting Data Classifying (2 Folders) Measuring Inferring Predicting Formulating Hypothesis Controlling Variables Experimenting Using Numbers SAPA Response Sheets for Competency MeasurPrograms, 1968 - 1969 Consultant Recommendations, 1967 - 1968 Inquiries About Films, 1968 Inquiries About Kits, 1967 - 1968 Inquiries About Evaluations, 1968 Tryout Teacher List, 1967 - 1968 Tryout Centers, 1967 - 1968 Tryout Feedback Forms, 1967 - 1968 Tryout Center Coordinators, 1967 - 1968 Cancelled Tryout Centers, 1967 - 1968 Volunteer Teachers for Parts F & G, 1967 - 1968 List of Teachers for Tryout Centers, 1963 - 1966 Tucson, AZ, Dr. Ed McCullough, 1964 - 1968 Tallahassee, FL, Mr. VanPierce, 1964 - 1968 Chicago, IL, University of Chicago, Miss Illa Podendorf, 1965 - 1969 Monmouth, IL, Professor David Allison, 1964 - 1968 Overland Park, KS, Mr. R. Scott Irwin and Mrs. John Muller, 1964 - 1968 Baltimore, MD, Mr. Daniel Rochowiak, 1964 - 1968 Kern County, CA, Mr. Dale Easter and Mr. Edward Price, 1964 - 1967 Philadelphia, PA, Mrs. Margaret Efraemson, 1968 Austin, TX, Dr. David Butts, 1968 Seattle, WA, Mrs. Louisa Crook, 1968 Oshkosh, WI, Dr. Robert White, 1968 John R. Mayer, personal correspondence, 1966 - 1969 Teacher Response Sheets, 1966 - 1967 Overland, KS Oshkosh, WI Monmouth, IL Baltimore, MD Teacher Response Checklist SAPA Feedback, 1965 - 1966 Using Time Space Relations Communicating Observing Formulating Models Defining Operationally Interpreting Data Classifying (2 Folders) Measuring Inferring Predicting Formulating Hypothesis Controlling Variables Experimenting Using Numbers SAPA Response Sheets for Competency Measures, 1966

Other groups representing physicians have made a pitch for clinical science, and the NIH has responded with small - scale assistance programs.

Details on so - called patient assistance programs can often be found on drug manufacturers websites, and the NPF also keeps a resource page with links to other groups that can help.

They also provided differentiated follow - up assistance — in some cases, to help school personnel master and comply with district expectations; in other cases, where compliance was no longer an issue, to help school personnel use the program in question more effectively and obtain better results.

In addition, participating communities receive other non-monetary support, such as inclusion in a professional learning community, regular convenings with other cities in the initiative, supports to integrate and apply SEL data to continuous improvement systems, communications counsel, and other technical assistance provided by national experts such as the Collaborative for Academic, Social and Emotional Learning (CASEL), the Forum for Youth Investment, the David P. Weikart Center for Youth Program Quality, Crosby Marketing Communications and others.

Unlike schools using the traditional targeted assistance program (TAP) approach, SWP schools are allowed to consolidate Title I funds with those from other federal, state, and local sources and are not required to ensure that the funds are spent only for specific students identified as low - achieving.

The report is intended to help federal staff better target their guidance and technical assistance to states and provide state coordinators with descriptions of program administration practices in other states as a self - assessment guide.

The program provides assistance with university tuition, fees and books, as well as other support services that help paraprofessionals earn a bachelor's degree if needed, as well as their teaching credential.

The RSP Program also offers students additional assistance in the Resource Room for help with homework, tutoring, small - group instruction, and other academic support.

As a recognized leader in professional development and technical assistance for effective data use, TERC was invited to delve into the topic with researchers, practitioners, foundation program officers, and other stakeholders - a group convened by Ellen Mandinach and Edith Gummer.

As documented under Section 1114 of Title I, Part A of the Every Students Succeeds Act (ESEA), a local education agency receiving Title I funds «that desires to operate a schoolwide program shall first develop (or amend a plan for such a program that was in existence on the day before the date of enactment of the No Child Left Behind Act of 2001), in consultation with the local educational agency and its school support team or other technical assistance provider under section 1117, a comprehensive plan for reforming the total instructional program in the school that describes how the school will implement the components described in paragraph (1)».

According to Section 1114 (2)(A) of Title I, Part A of the Every Students Succeeds Act (ESSA), «Any eligible school that desires to operate a schoolwide program shall first develop (or amend a plan for such a program that was in existence on the day before the date of enactment of the No Child Left Behind Act of 2001), in consultation with the local educational agency and its school support team or other technical assistance provider under section 1117».

Under the guidance of NBCTs as Candidate Support Providers, this program offers workshops, assistance in processing applications, peer review, and linkage with other cohort supports.

«The city will spend $ 52 million in state funds over several years to convert 40 schools into community hubs with medical and dental services, nutrition and fitness programs, tutoring, job training, and other assistance for students and their families, officials announced Tuesday, roughly doubling the current number of such school - based hubs.

Additional Supports: The Lab has provided a range of additional supports tailored to the needs of each city that has included Reville and others» participation in key city events, helping cities identify and connect with program partners and potential funders, and assistance with data use and outcome measures.

21st Century Community Learning Centers funding provides schools with financial assistance and grants for after - school programs and other extended learning beyond the standard school day.

Known as Multi-Tiered System of Supports (MTSS), this education model encompasses other student - targeted support programs, such as Response to Intervention (RtI), which promotes early identification of and assistance for students with learning and behavior needs.

Through the pilot program, large and prime contractors will establish an agreement with small businesses to provide developmental assistance in areas such as project management, financial assistance, technical support, marketing techniques, cooperation on Joint Venture projects, and rent - free use of facilities among others.

(A) designate a State agency as the sole State agency to administer the plan, or to supervise its administration by a local agency, except that (i) where under the State's law the State agency for the blind or other agency which provides assistance or services to the adult blind, is authorized to * provide vocational REHABILITATION services to such individuals, such agency may be designated as the sole State agency to administer the part of the plan * under which vocational REHABILITATION services are provided for the blind (or to supervise the administration of such part by a local agency) and a separate State agency may be designated as the sole State agency with respect to the rest of the State plan, and (ii) the Secretary, upon the request of a State, may authorize such agency to share funding and administrative responsibility with another agency of the State or with a local agency in order to permit such agencies to carry out a joint program to provide services to handicapped individuals, and may waive compliance with respect to vocational * REHABILITATION services furnished under such programs with the requirement of clause (4) of this subsection that the plan be in effect in all political subdivisions of that State;

Such study shall encompass the extent to which other programs administered by the Secretary do or might contribute to the objectives set forth in clauses (1) and (2) of the preceding sentence and the method by which all such programs can be coordinated at Federal, State, and local levels with those carried out under this ACT to the end that individuals with the most severe handicaps are assured of receiving the kinds of assistance necessary for them to achieve such objects.

(b) In making such grants or contracts, funds made available for any year will be utilized to provide a balanced program of assistance to meet the medical, vocational, and other personnel training needs of both public and private REHABILITATION programs and institutions, to include projects in REHABILITATION medicine, REHABILITATION nursing, REHABILITATION counseling, REHABILITATION social work, REHABILITATION psychology, physical therapy, occupational therapy, speech pathology and audiology, workshop and facility administration, prosthetics and orthotics, specialized personnel in providing services to blind and deaf individuals, recreation for ill and handicapped individuals, and other fields contributing to the REHABILITATION of handicapped individuals, including homebound and institutionalized individuals and handicapped individuals with limited English - speaking ability.

(11) provide for entering into cooperative arrangements with, and the utilization of the services and facilities of, the State agencies administering the State's public assistance programs, other programs for handicapped individuals, veterans programs, manpower programs, and public employment offices, and the Social Security Administration of the Department of Health, Education, and Welfare, the Veterans» Administration, and other Federal, State, and local public agencies providing services related to the * REHABILITATION of handicapped individuals;

If a project is also financed with other DOT funds, the recipient of credit assistance is required to comply with applicable modal project requirements and approvals as well as the applicable Credit Program's requirements.

Each Federal department and agency which is empowered to extend Federal financial assistance to any program or activity, by way of grant, loan, or contract other than a contract of insurance or guaranty, is authorized and directed to effectuate the provisions of section 601 with respect to such program or activity by issuing rules, regulations, or orders of general applicability which shall be consistent with achievement of the objectives of the statute authorizing the financial assistance in connection with which the action is taken.

To actively cooperate with other entities, organizations, and service providers involved with or affected by drug and alcohol testing on common interests and concerns, including but not limited to, substance abuse professionals, substance abuse program administrators, employee assistance professionals, Medical Review Officers, testing laboratories and employer trade associations.

Academic: essays, papers, reviews, case studies, theses, dissertations and all other coursework writing, high school through graduate level programs; assistance with math / science coursework; multiple - choice test - taking; editing and proofreading

SmartMove loans can be combined with HDF's other downpayment assistance programs to increase your downpayment and cover closing costs.

In addition to offering members low loan rates and high savings rates, Signal offers many other benefits to members, including a car buying service, assistance with home and real estate agent search, assistance with insurance, retirement, and financial planning, free financial seminars, and our new LinkRewards program that gives members rewards points based on their banking relationship with the credit union.

Combined with a HUD down payment assistance grant or other similar programs, the borrower can often purchase a home with zero down payment.