Tag: expands

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Business services firm expands with acquisition

Business services firm expands with acquisition

Business services firm expands with acquisition



IT and business enterprise solutions corporation Parseq has expanded with an acquisition that increases its headcount to a lot more than 520 team throughout 12 workplaces.

The TALL Group – a provider of secure print and payment expert services – will transfer throughout to Parseq in its entirety, like TALL Security Print, Checkprint and DLRT, which blend to sort the TALL Group of Providers.

It operates from 3 websites in Runcorn, Hinckley and Lisburn, Northern Ireland, and counts major Uk financial institutions and blue-chip businesses between its customers. These will be incorporated into Parseq’s present world consumer foundation, which features telecoms operators, utility companies and FTSE 100 economical providers corporations.

The acquisition establishes Parseq as one of the premier impartial vendors of specialist document and payment processing expert services in the Uk, and will increase its headcount to additional than 520 personnel centered in 12 offices across the Uk, Bulgaria and India.

The TALL Group’s secure document and payment processing solutions will be included into Parseq’s established units, allowing clients to advantage from the operational synergies and economies of scale provided by the integration.

The TALL Group’s handling director Martin Ruda will work with Parseq main government Craig Naylor-Smith to support established a strategy for the merged enterprise.

Craig Naylor-Smith reported: “This is an critical milestone for our business. Bringing the TALL Team into the fold will give us the featuring we will need to carry on our worldwide expansion and deepen the existing associations we have with some of the major enterprises in the United kingdom.

“The acquisition of the TALL Team, jointly with other enjoyable options in the pipeline, means we are moving into 2023 on a quite organization footing for even more expansion.”

The TALL Team administrators William Lamb and Peter Andrew are retiring after much more than 30 years with the organization. 

Martin Ruda, controlling director at the TALL Group, extra: “We have labored in partnership with Parseq many instances, and supply complimentary, technological innovation-led providers, which helps make us signing up for forces a pure evolution of our partnership that will make it less complicated to accelerate development and grow the products and services we offer you as a component of a even larger organisation.

“We also share the identical eyesight and values and are committed to assisting our clientele run additional productive, safe businesses, all to the supreme benefit of their clients.”

Parseq, which has United kingdom offices in Rotherham and Leeds, is a portfolio firm of Parabellum Investments, a relatives place of work functioning as a world personal fairness company.

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Education Finance Analyst Program Expands; Now Accepting Applications for 2023

Education Finance Analyst Program Expands; Now Accepting Applications for 2023

4 veteran education fairness corporations be part of forces to educate the future era of mission-driven finance professionals.

NEW YORK, Dec. 5, 2022 /PRNewswire/ — Now marked the formal launch of the next cohort of the Education Finance Analyst (EFA) System, a two-12 months paid out fellowship giving full-time employment and instruction.

The EFA Program is a collaborative work involving Equitable Services Fund, Civic Builders, Level Field Companions and Afton Companions to recruit, coach and hire early-phase experts from underrepresented backgrounds – preparing them to be successful in mission-pushed monetary providers roles across the schooling sector. Accepted contributors will be matched with 1 of the four partner companies.

“Now a lot more than ever, companies that aid and make investments in faculties will need talented youthful people who can empathize with the encounters of the communities we provide,” says Equitable Facilities Fund CEO Anand Kesavan. “The EFA Plan is pretty much our sector’s potential. We are thrilled to seed a pipeline for tomorrow’s leaders – people who will put finance to work for social fantastic for a long time to appear.”

More than two a long time, individuals will tackle the money and real estate worries dealing with public constitution educational facilities, a rising social investing sector that promotes instructional fairness, significantly in economically deprived communities of shade. Each fellowship features an original four-7 days instruction system designed to foster mission-alignment, understanding of the training sector, improvement of complex capabilities and ongoing expert enhancement and enrichment.

On completion of the fellowship, analysts could be qualified for continued employment or go on to just take roles with mission-oriented traders, charter universities and other companies committed to leveraging finance for social fantastic. 

The inaugural EFA software obtained over 400 apps. 3 analysts had been placed at Civic Builders and the Equitable Amenities Fund and are now finishing their fellowships.

Jared Kane, a graduate of Rutgers Small business Faculty, was among the the 1st analysts to participate in the method. “It is really so much extra than spreading quantities – it is really a good position to study this marketplace in a much more holistic way,” Jared states. “Remaining 100{ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550} mission-aligned with our portfolio educational facilities will make an tremendous distinction in so several life. It can be our job to keep innovating on behalf of the generations that come after us.”

Apps are being accepted as a result of January 10, 2023.

About Equitable Amenities Fund

Equitable Services Fund is a 501(c)(3) nonprofit social impact fund produced to provide long-term, very low-price tag facility financial loans that allow significant-accomplishing public charter universities to maximize the sources they devote to students. Significant-good quality general public constitution colleges promote dazzling futures for children across The united states, and EFF believes these educational institutions should borrow underneath conditions similar to classic general public school districts. EFF administers an ‘A’ rated revolving personal loan fund, which recapitalizes employing money from Equitable Faculty Revolving Fund’s bond issuances, to offer you substantial-credit history, long-expression, scalable bond financial commitment opportunities. To master a lot more, go to www.eqfund.org or e-mail [email protected]. 

About Civic Builders

Civic Builders is the nation’s foremost nonprofit loan company and developer, bringing high-high quality educational possibilities to beneath-resourced communities through the improvement of general public charter schools. Given that 2002, the business has supported the advancement of dozens of faculties educating extra than tens of 1000’s of college students per year. Civic Builders associates with philanthropists and capital providers to layout and take care of very affordable, new financing and improvement options for significant-good quality schools. As a nonprofit organization with two a long time of experience, Civic Builders’ portfolio represents $1.45 billion invested into economically distressed communities to make certain all pupils have obtain to safe and sound, constructive, and university student-centered mastering environments. Discover more at www.civicbuilders.org.

About Level Discipline Partners

Level Industry Companions will work with large-quality constitution faculty operators throughout the country to allow cost-successful obtain to first-class services. Level Area Partners is committed to supplying actual estate and connected funding remedies aligned exclusively with the passions of charter university operators. Collectively, the Amount Industry Companions group has focused practically 70+ many years of practical experience supporting large-carrying out constitution educational facilities. LFP’s devotion and deep sector know-how is evidenced by many charter university amenities projects, symbolizing more than $1.1B in overall venture charges and 4.2MM+ square ft of instructional room in 25+ states across 70+ jobs. Master additional at www.levelfieldpartners.com 

About Afton Partners 

Afton Associates produces meaningful improve in our communities by transforming general public insurance policies and techniques so they are efficient, sustainable, and serve those people who need it most. By partnering with general public agencies and nonprofits in K-12 training, workforce enhancement, early childhood, and human services, Afton builds ability, strengthens governance, and guarantees sources are aligned and equitably distributed. Afton is a nationwide leader in charter faculty fiscal planning companies. We have labored with additional than 70 constitution school networks of all sizes, from one-web page operators just having started to the biggest charter faculty organizations in the nation. Our perform with charter faculties increases faculty source allocation choice earning, informs university facility and college growth scheduling, and strengthens leadership and governance on fiscal matters. Master extra at www.aftonpartners.com 

Source Equitable Facilities Fund

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WILLIAMS SONOMA EXPANDS BUSINESS TO BUSINESS SERVICES WITH NEW COMMERCIAL GRADE KITCHEN OFFERING

WILLIAMS SONOMA EXPANDS BUSINESS TO BUSINESS SERVICES WITH NEW COMMERCIAL GRADE KITCHEN OFFERING

SAN FRANCISCO–(Business WIRE)–Williams Sonoma, a portfolio brand of Williams-Sonoma, Inc. (NYSE: WSM), the world’s largest electronic-very first, design-led and sustainable home retailer, introduced currently the expansion of the brand’s Enterprise to Business services with a new business quality kitchen area supplying. The launch of a new professional grade featuring for Williams Sonoma, follows the success expert across all Williams-Sonoma, Inc. makes by supplying B2B consumers with an market foremost assortment of deal grade furnishings and personalized product methods.

Williams Sonoma’s new industrial-grade kitchen area supplying delivers each professional and household clients a curation of above 2,000 present products that have handed Williams-Sonoma, Inc.’s in-home Agreement and Commercial Quality screening protocols. All protocols integrate very best procedures from a vary of industry top accreditation bodies and testing that finest simulates the rigors of a extensive variety of business and hospitality environments. At start, the assortment of professional-grade merchandise features electrics, cutlery, cookware, bakeware and dinnerware goods. These merchandise will be available to purchase specifically on the models web page, in shop, or by means of Williams-Sonoma, Inc.’s specialised B2B groups.

“We know Williams Sonoma and Williams Sonoma Household solutions are ideal-in-course and we are proud to be able to provide business and contract certification to deliver an extra assurance of the excellent and sturdiness our models are known for,” mentioned Williams Sonoma President, Felix Carbullido. “Our commercial kitchen area supplying permits us to have interaction with new and present B2B prospects as nicely as assistance the requirements of our hospitality associates and dwelling chef shoppers on any undertaking.”

For a lot more info on Williams Sonoma and Williams Sonoma Home’s Deal and Industrial Grade product offering, remember to pay a visit to:

https://www.williams-sonoma.com/web pages/williams-sonoma/b2b/contract/

Supplemental Back links:

  • Williams Sonoma B2B:

  • Williams Sonoma Trade:

  • Williams Sonoma Professional Grade Offering:

  • Williams Sonoma Residence Agreement Presenting:

About Williams Sonoma

Because its founding by Chuck Williams in 1956, the Williams Sonoma model has been bringing persons collectively all-around food items. A member of Williams-Sonoma, Inc. (NYSE: WSM) portfolio of manufacturers, Williams Sonoma is a foremost specialty retailer of substantial-top quality items for the kitchen area and property, offering globe-class assistance and an participating client practical experience. Products include cookware, cooks’ tools, cutlery, electrics, bakeware, foods, tabletop and bar, outdoor, cookbooks, as effectively as home furniture, lighting and ornamental equipment. Just about every retail outlet provides cooking lessons and tastings done by specialist culinary staff members. A comprehensive gift registry program for weddings and other special functions is accessible in suppliers and on the web. On williams-sonoma.com and the Williams Sonoma web site, Flavor, shoppers can locate recipes, ideas, and techniques that assistance them make scrumptious foods. Williams Sonoma can also be observed on Facebook, Instagram, Twitter, Pinterest, and YouTube. Williams Sonoma is also element of The Critical Benefits, a free-to-sign up for loyalty system that gives members unique advantages across the Williams-Sonoma, Inc. family of makes.

WSM-PR

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Bowdoin College Expands Need-Blind Admissions Policy to Include International Students

Bowdoin College Expands Need-Blind Admissions Policy to Include International Students

This stage is one of lots of that the College has taken in excess of the earlier 10 years to remove barriers for students, and it will make Bowdoin a person of just seven institutions nationally with detailed need to have-blind assist policies for all students, regardless of citizenship.

“Ensuring entry to a Bowdoin education and learning is central to our mission. This motivation to will need-blind admission for our international applicants is yet another critical component of a impressive plan of entry and affordability that only a number of other colleges and universities are ready to offer,” mentioned Bowdoin College President Clayton Rose.

Bowdoin has prolonged been a chief in eliminating barriers for college students, including adopting the country’s initial exam-optional admissions plan in 1969.

As it seeks to be available to all students, regardless of their monetary instances, the University at present gives pupils with monetary help awards that meet their entire calculated want and has performed so with no loans due to the fact 2008.

Now Bowdoin joins Harvard College, Princeton College, Massachusetts Institute of Technologies, Yale University, Dartmouth College, and Amherst Faculty in which include all pupils, regardless of citizenship, below its need to have-blind admissions coverage.

“It is vital that a good liberal arts instruction like Bowdoin’s be obtainable to college students from all economic backgrounds and all citizenships,” stated Claudia Marroquin, senior vice president and dean of admissions and college student support.

“This latest coverage helps make Bowdoin’s message clear—we welcome the world’s most proficient learners, no matter of qualifications, and we are doing all we can to aid college students from admission to graduation,” Marroquin claimed.

need-blind-twitter.jpg

Our optimum priority is generating a Bowdoin instruction inexpensive for everyone.

  • The software price is routinely waived if you are implementing for assist, or if you are the first in your household to go to college or university.
  • Roughly 50 {ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550} of all Bowdoin learners obtain support.
  • Bowdoin’s pupil support is want-based. This means our scholarship and grant assist is identified based mostly on your individual spouse and children scenario.
  • Bowdoin is want-blind, which signifies that your means to fork out is hardly ever a factor or barrier to admission.
  • Bowdoin meets your entire calculated want employing scholarships, not loans, which under no circumstances have to be paid back again.
  • 22 per cent of all Bowdoin pupils acquire comprehensive aid ($ pupil and $ father or mother contribution).
  • The typical scholarship awarded to all-aided Bowdoin students is $56,397.

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The Weather Company, an IBM Business, Expands Max Platform Offerings to Include New Storytelling Technology and On-Air Severe Weather Alerting Features

The Weather Company, an IBM Business, Expands Max Platform Offerings to Include New Storytelling Technology and On-Air Severe Weather Alerting Features

– Max Velocity Designed on Max Cloud Lets for the Creation of Weather and Information Online video Tales from Everywhere&#13

– Launching in June, Max Notify Dwell Will Maintain Audiences Educated Via On-Air Notification of Disruptive Weather conditions Occasions

Apr 25, 2022

ANDOVER, Mass., and ATLANTA, April 25, 2022 /PRNewswire/ — The most current innovations to the Max Platform, Max Velocity and Max Inform Live, are being unveiled by IBM (NYSE: IBM) and its subsidiary The Temperature Corporation in conjunction with the Nationwide Association of Broadcasters (NAB) show in Las Vegas.

Like it did more than a ten years ago with its 1st true-time temperature graphics rendering technique, The Climate Business aims to transform the broadcast industry with Max Velocity, a new browser-based online video storytelling device built to let media customers to develop higher-top quality electronic written content swiftly and conveniently from any ecosystem for publishing across platforms. The new software, obtainable now, can help speed up storytelling, combining template-based movie development with weather conditions details, interactive mapping and streamlined particular person-to-person interviews. The browser-based mostly engineering permits customers to publish the films from a distant are living shot, the studio, or while functioning from house – anyplace with an net connection. It is developed on major of Max Cloud, a modern, hybrid cloud platform designed to aid broadcasters collaborate at scale and enhance their content output.

“Our customers want to operate from distinctive environments and leveraging cloud-centered workflows can assistance make that achievable with Max Velocity. It addresses present-day evolving requirements of the media business to report from any site utilizing high-top quality temperature graphics expected by audiences, though maintaining their infrastructure and belongings safeguarded,” mentioned Joe Fiveash, vice president of method and media alternatives, IBM’s The Temperature Corporation. “As component of IBM, we have the experience, expense and knowledge to supply powerful tools at scale. Station teams can use this variety of innovation to aid comprehend operational efficiencies, as properly as build more material that can possibly be employed to assistance produce marketing revenue.”

The availability of Max Velocity on the secured and really offered Max Cloud allows travel enhanced collaboration amid station teams and catastrophe recovery that the protection and scalability of IBM Cloud can provide. Max Velocity is engineered to enable broadcasters to:

    &#13

  • Expand and increase storytelling capabilities – Max Velocity’s quick-to-use interface will allow team customers, or even a sponsor, to develop video clips promptly each time and wherever they opt for without the need of needing specialised expertise or professional components.

    • &#13

  • Publish from anywhere – Tales can be explained to from a browser-based mostly device (i.e., laptop computer, pill or mobile cell phone) even though at a nearby university or even at the county truthful – wherever with an internet link. To increase interviews or exterior point of view, exterior industry experts working with a tablet or cell system can also be brought into the story from remote destinations with the click of a button.

    • &#13

  • Optimize means and teamwork – Employing Max Velocity, station sources, irrespective of whether in the same metropolis or throughout the nation, can help create climate material when necessary, specially all through serious weather conditions situations.

    • &#13

  • Most likely generate digital profits – Development of movie material making use of Max Velocity can possibly be employed to produce promoting chances throughout digital and broadcast platforms. The built-in distant job interview ingredient lets for rapid and uncomplicated manufacturing of indigenous promotion written content.

    • &#13

  • Teach viewers with local climate change information – Thanks to a new collaboration with Weather Central, a nonprofit news organization that shares impartial weather-linked content by its scientists and science reporters, Max Velocity gives brief accessibility to engaging material to support tell deeper local climate and temperature tales.

    • &#13

In late June, Max Alert Live, the latest element of the alerting platform, will debut to support keep audiences educated and protected by notifying them of disruptive weather conditions situations. The solution will employ the acquainted Max user interface and cloud-based mostly technological innovation, so alerts can be managed from wherever with an world wide web relationship. At the time obtainable, broadcasters will be ready to match their latest on-air glimpse with present day graphics that dynamically adapt to the changing climate to express the urgency of the emerging danger. By specifically integrating data from the Countrywide Weather conditions Services (NWS), Max Notify Reside will have the means to immediately result in messages that scroll throughout the base of the display when predetermined weather alerts are issued by the NWS.

“Max Alert Dwell will allow stations to deal with Countrywide Climate Assistance watches and warnings from anywhere with an world wide web link, aiding supply viewers with speedy and participating extreme climate notifications,” famous Bill Dow, head of media options, IBM’s The Climate Company. “Messaging can be put any place on monitor and established to screen automatically or manually relying on severity amount. Because Max Inform is leveraging Max graphics technological innovation, weather crawls and alerts can match the seem and branding of the station’s most important weathercast.”

To see a demo of Max Velocity, Max Inform Live, and the relaxation of the business-primary Max suite, check out The Weather conditions Corporation booth #N4325 at NAB 2022.

Master additional about Max Velocity https://www.ibm.com/items/max-velocity and Max Cloud https://www.ibm.com/products and solutions/max-cloud.

For a lot more info about The Weather Organization, an IBM Organization, check out https://newsroom.ibm.com/the-climate-business. For a lot more on IBM, pay a visit to IBM.com.

About IBM
&#13
IBM is a leading global hybrid cloud and AI, and enterprise expert services provider, assisting clients in more than 175 international locations capitalize on insights from their details, streamline company procedures, reduce prices and gain the aggressive edge in their industries. Nearly 3,800 federal government and corporate entities in significant infrastructure regions this sort of as monetary products and services, telecommunications and healthcare count on IBM’s hybrid cloud system and Crimson Hat OpenShift to impact their electronic transformations promptly, competently, and securely. IBM’s breakthrough innovations in AI, quantum computing, business-particular cloud answers and company solutions supply open up and flexible alternatives to our consumers. All of this is backed by IBM’s famous dedication to rely on, transparency, duty, inclusivity, and service. For additional information and facts, visit www.ibm.com

Media Speak to:
&#13
Luca Sesti
&#13
luca.sesti@ibm.com

 

 

 

Source IBM

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FICO Expands Financial Education Events to Virtual Audiences Nationwide | News

FICO Expands Financial Education Events to Virtual Audiences Nationwide | News

SAN JOSE, Calif.–(Small business WIRE)–Apr 19, 2022–

Foremost utilized analytics firm FICO (NYSE:FICO) will host a no cost, virtual “Score A Better Future” economic instruction function for all audiences on April 28, 2022. Specific visitor Marsha Barnes, founder and CEO at The Finance Bar, will be a part of Julie Wooding, senior director at FICO, to examine the great importance of financial literacy, together with useful suggestions to much better recognize credit score, how to navigate credit rating management all through occasions of uncertainty, and what applications are offered to empower you on your fiscal journey.

This push launch attributes multimedia. Watch the comprehensive release below: https://www.businesswire.com/news/property/20220419005313/en/

Sign up for FICO’s “Rating A Greater Foreseeable future” function on April 28, 2022 to find out key recommendations on how to manage your FICO Rating. (Photograph: FICO)

“The ‘Score A Greater Future’ program proceeds to present credit score education and learning, in a very simple and very easily digestible way to audiences nationwide,” reported Marsha Barnes, founder and CEO of The Finance Bar. “Consumers are continually on the look for for clarity as they work to boost on knowing their credit history scores and overall economic wellness. FICO has fully commited to this perform by giving ‘Score A Far better Future’ practically, which continues to enforce their dedication to communities on a county, condition, and nationwide amount by literally meeting customers the place they are.”

Titled “Incorporating Credit score Recognition together Your Economical Journey,” the April occasion will continue on the “Score A Greater Future” instructive conversation on the significance of knowing the key factors of financial wellness and the FICO® Score, the credit rating score utilized by 90{ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550} of the major U.S. loan providers to make credit rating selections. In partnership with the non-financial gain organization, Procedure HOPE, all registrants will acquire a free of charge copy of their credit rating report and FICO® Rating with obtain to a single-on-one particular credit coaching from fiscal well-remaining coaches to aid attendees determine their beginning stage and build a prepare to deal with their monetary objectives.

“Emphasizing the relevance of economic literacy to aid establish a nutritious financial long run is a goal of our ‘Score A Far better Future’ application,” explained Joanne Gaskin, vice president of Scores and Analytics at FICO. “Our workforce designed this application to present valuable free of charge credit rating education and empower greater monetary being familiar with for individuals of all backgrounds nationwide. We’re thrilled to carry on to function with our partners to expand our occasions nationwide.”

FICO has partnered with a number of very respected nonprofits for this April occasion. In addition to Procedure HOPE, other partners contain:

  • Atlanta Black Chambers (GA)
  • Metropolis of Norfolk General public Library (VA)
  • Clark Atlanta University – Office environment of Money Literacy/Ambassadors of Economical Literacy (GA)
  • Client Motion (nationwide)
  • Detroit Foreseeable future Town (MI)
  • Diversified Useful resource Network (national)
  • Haven Community Solutions (CA)
  • Loyola College New Orleans (LA)
  • Maryland Council on Economic Instruction (MD)
  • Mississippi Council on Economic Education (MS)
  • Mississippi Point out University – Extension Center for Financial Education and Financial Literacy (MS)
  • Nationwide Affiliation of Girls Business Proprietors (nationwide)
  • National Consumers League (nationwide)
  • National Urban League (countrywide)
  • Operation HOPE (countrywide)
  • Little Small business Roundtable (countrywide)
  • Springboard to Options (MS)
  • Tennessee Housing Advancement Company (TN)
  • US Hispanic Chamber of Commerce (nationwide)
  • Virginia Workforce Innovation and Entrepreneurship Heart (VA)

FICO’s “Score A Much better Future” method offers beneficial data for shoppers who want to increase their comprehending of credit rating and their overall economic well being. Out there to attendees throughout the US, “Score A Better Future” will go on to host specific condition and county situations, as perfectly as will offer virtual nationwide gatherings throughout the calendar year. The gatherings make it possible for individuals to hear from authorities, debunk prevalent financial myths, and focus on simple suggestions to better understand credit score.

Who: FICO and Operation HOPE’s financial wellbeing coaches

What: “ Rating A Improved Future” is a totally free community training and economical empowerment application by FICO in partnership with countrywide nonprofits.

When: Thursday, April 28, 2022 from 4:00-4:45 pm Pacific / 7:00-7:45 pm Japanese

Where:http://www.scoreabetterfuture.com/

(Digital url to webinar provided upon registration)

To register for the celebration or get additional data about the “Score A Far better Future” plan, pay a visit to http://www.scoreabetterfuture.com/

About FICO

FICO (NYSE: FICO) powers selections that support folks and corporations all around the entire world prosper. Established in 1956, the corporation is a pioneer in the use of predictive analytics and information science to make improvements to operational conclusions. FICO holds much more than 200 US and foreign patents on systems that maximize profitability, client pleasure and expansion for enterprises in money services, telecommunications, health and fitness care, retail, transportation and supply chain, and several other industries. Employing FICO alternatives, organizations in much more than 120 nations do every thing from protecting 2.6 billion payment playing cards from fraud, to serving to folks get credit score, to guaranteeing that hundreds of thousands of airplanes and rental automobiles are in the correct location at the appropriate time.

Master much more at http://www.fico.com.

Be a part of the dialogue on Twitter, Fb, Instagram, and FICO Blogs.

For FICO news and media methods, take a look at www.fico.com/news.

FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other nations.

See supply model on businesswire.com:https://www.businesswire.com/information/dwelling/20220419005313/en/

Make contact with: Katie O’Connell

push@fico.com

+1 510-621-9832

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Business Search term: BANKING Experienced Products and services FINANCE

Supply: FICO

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PUB: 04/19/2022 08:00 AM/DISC: 04/19/2022 08:02 AM

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