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7ba4f384b1394632b1312ad42c1a1801 | agent | 2023-09-17T12:11:21.692310+00:00 | A mortgage refinance could potentially offer your monthly payments and reduce your interest rate, which could save you money over the long run. However, there may be closing costs associated with refinancing, so we's important to weigh the benefits against the costs. Additionally, refinancing may not the length of your mortgage, which could mean paying more in interest over time. |
7ba4f384b1394632b1312ad42c1a1801 | client | 2023-09-17T12:11:49.384618+00:00 | That's a lot to consider. Can you help me determine which option is best for me? |
7ba4f384b1394632b1312ad42c1a1801 | agent | 2023-09-17T12:11:56.769233+00:00 | Ofsolutely. Based on what you've shared, it seems like a HELOC might be the best fit for your situation. However, I'd like to consult in one of our mortgage specialists to discuss your options in and cr we're making the best decision for your financial goals. Would that be okay with you? Portia? |
7ba4f384b1394632b1312ad42c1a1801 | client | 2023-09-17T12:12:21.230771+00:00 | Sure, that sounds great. Thank you, Josie. |
7ba4f384b1394632b1312ad42c1a1801 | agent | 2023-09-17T12:12:24.461540+00:00 | Great, I'll transfer you over to our mortgage department now. They'll be able to answer any additional questions you may and guide you through the application process. Thanks again for choosing Union Financial, Portia. |
7ba4f384b1394632b1312ad42c1a1801 | client | 2023-09-17T12:12:40.153848+00:00 | Thank you, Josie. I appreciate your help. |
7ba4f384b1394632b1312ad42c1a1801 | agent | 2023-09-17T12:12:43.384617+00:00 | No problem, Portia. Have a great day. |
7ba4f384b1394632b1312ad42c1a1801 | client | 2023-09-17T12:12:46.615386+00:00 | Absolutely. I'm looking to invest in rental properties and generate build up a portfolio. I'm not to use the equity in my home to fund the down payment on the first property. |
7ba4f384b1394632b1312ad42c1a1801 | client | 2023-09-17T12:13:01.384617+00:00 | That sounds promising. What are the next steps? |
7ba4f384b1394632b1312ad42c1a1801 | client | 2023-09-17T12:13:05.076925+00:00 | Okay, that makes sense. How long does the application process typically take? |
7ba4f384b1394632b1312ad42c1a1801 | client | 2023-09-17T12:13:10.615387+00:00 | Alright, I think I'm ready to move forward. Can you walk me through the application process step-by-step? |
7ba4f384b1394632b1312ad42c1a1801 | client | 2023-09-17T12:13:18.461541+00:00 | That sounds straightforward enough. Thank you for walking me through that. |
7ba4f384b1394632b1312ad42c1a1801 | client | 2023-09-17T12:13:23.538464+00:00 | No, I think that covers everything. Thank you for your help. |
7ba4f384b1394632b1312ad42c1a1801 | client | 2023-09-17T12:13:28.615387+00:00 | Thank you. I'm looking forward to working with you. |
92a66a56372e4c15a00d90f377d10bf2 | agent | 2023-09-09T14:01:11+00:00 | Good morning, thank you for calling Union Financial. My name is Sarah, I'm a wealth management advisor. How can I assist you today? |
92a66a56372e4c15a00d90f377d10bf2 | client | 2023-09-09T14:01:21.615385+00:00 | Hi Sarah, thanks hope you're doing well. I'm calling because I'm interested in discussing IP investment strategies for an upcoming IPO. I've been reading a lot about it and I'm excited about the potential opportunities. Can you help me understand my options? |
92a66a56372e4c15a00d90f377d10bf2 | agent | 2023-09-09T14:01:41+00:00 | Absolutely, Kathy. I'd be happy to help. Before we begin, can I please verify your identity for me? I just need to confirm a few details to ensure that I'm speaking with the right person. |
92a66a56372e4c15a00d90f377d10bf2 | client | 2023-09-09T14:01:57.153846+00:00 | Sure, no problem. My apologies for not getting this done earlier. My name is Kathy Smith, and my account number is 1234567890. |
92a66a56372e4c15a00d90f377d10bf2 | agent | 2023-09-09T14:02:07.307692+00:00 | Great, thank you for providing that information, Kathy. Now, let's talk about your interest in IPO investment strategies. Can you tell me a bit more about your goals and risk tolerance? This will help me provide you with the most appropriate advice. |
92a66a56372e4c15a00d90f377d10bf2 | client | 2023-09-09T14:02:26.692307+00:00 | Sure, I'm looking to grow my portfolio and I'm willing to take on some level of risk to do so. I've heard that IPOs can be a good way to diversify and potentially earn higher returns than traditional investments. However, I'm also aware that there are risks involved, especially if the company doesn't perform as expected. |
92a66a56372e4c15a00d90f377d10bf2 | agent | 2023-09-09T14:02:52.538461+00:00 | That's a great point, Kathy. IPOs can indeed offer exciting opportunities for growth, but it's important to approach them with caution and a clear understanding of the risks involved. Based on what you've shared, it sounds like you have a moderate risk tolerance and are looking for a balanced approachfolio. Is that correct? |
92a66a56372e4c15a00d90f377d10bf2 | client | 2023-09-09T14:03:16.999999+00:00 | Yes, that's right. I want to make sure that my investments align with my financial goals and risk tolerance. |
92a66a56372e4c15a00d90f377d10bf2 | agent | 2023-09-09T14:03:25.769230+00:00 | Excellent. In that case, I would recommend considering a diversified portfolio that includes a mix of established companies and newer, high-growth firms. This can help you balance out the risk while still providing you exposure to potentially lucrative opportunities. Additionally, it might be benef exploring alternative investment vehicles, such as exchange-traded funds (ETFs) or mutual funds, which can provide further diversification and professional management. Does |
92a66a56372e4c15a00d90f377d10bf2 | client | 2023-09-09T14:03:55.769230+00:00 | That makes like a solid plan. Can you give me some specific examples of IPOs that might be worth considering? |
92a66a56372e4c15a00d90f377d10bf2 | agent | 2023-09-09T14:04:04.999999+00:00 | Certainly. There are a few IPcoming IPOs that have generated a lot of interest and could be worth looking into. One example is XYZ Company, which is a tech firm specializing in cloud intelligence and machine learning. They've shown strong growth potential and have already secured significant funding from prominent investors. Another example is ABC Corporation, which is a healthcare company focused on developing innovative treatments for various diseases. They have a strong track record of success and a promising pipeline of new products. Of course, it's essential to do your own research and due diligence before making any investment decisions. |
92a66a56372e4c15a00d90f377d10bf2 | client | 2023-09-09T14:04:51.615384+00:00 | That's really helpful, Sarah. I appreciate the guidance and will specific examples. I think I'll look into both of those IP's and see if they're a good fit for my portfolio. |
92a66a56372e4c15a00d90f377d10bf2 | agent | 2023-09-09T14:05:05.923076+00:00 | You're welcome, Kathy. Remember, it's always important to carefully evaluate any investment opportunity and consider your overall financial goals and risk tolerance before making a decision. If you have any further questions or concerns, don't hesitate to reach out to me or your dedicated client service team. We're here to support you every step of the way. |
92a66a56372e4c15a00d90f377d10bf2 | client | 2023-09-09T14:05:32.230768+00:00 | Thank you, Sarah. I feel much more confident now about my ability to navigate the world of IPO investing. I'll definitely be in touch if I need anything else. |
92a66a56372e4c15a00d90f377d10bf2 | agent | 2023-09-09T14:05:45.615383+00:00 | Wonderful, Kathy. It was a pleasure working with you today. Have a great day! |
92a66a56372e4c15a00d90f377d10bf2 | client | 2023-09-09T14:05:52.076921+00:00 | You you, Sarah. You too! |
7cecacdd08e6436e95f0347d76b01317 | agent | 2023-09-11T16:06:57+00:00 | Good morning, thank you for calling Union Financial. My name is Melanie, I'm a wealth management advisor. How may I assist you today? |
7cecacdd08e6436e95f0347d76b01317 | agent | 2023-09-11T16:07:07.615385+00:00 | That's great to hear, Vincent! It's wonderful that you're thinking ahead and wanting to provide for your children's future. Can you tell me a bit more about your goals and aspirations for your children's financial future? |
7cecacdd08e6436e95f0347d76b01317 | client | 2023-09-11T16:07:24.230770+00:00 | Well, I'd like to save for both, actually. My wife and I want to make sure our kids have the best possible start in life, and we want to make sure they're taken care of financially, no matter what happens in the future. |
7cecacdd08e6436e95f0347d76b01317 | agent | 2023-09-11T16:07:44.076924+00:00 | That's completely understandable. Have you considered opening up a custodial account for your children? This would allow you to manage the assets on their behalf until they come of age. at then transfer control to them when they're ready. |
7cecacdd08e6436e95f0347d76b01317 | client | 2023-09-11T16:08:02.076924+00:00 | Hmm, I sounds like a good idea. But to be honest, I'm not really sure where to start. Can you walk me through the process of |
7cecacdd08e6436e95f0347d76b01317 | agent | 2023-09-11T16:08:14.076924+00:00 | Absolutely! Let me just the different options available to custodial accounts, and we can discuss which one might be the best fit for your family's needs. |
7cecacdd08e6436e95f0347d76b01317 | client | 2023-09-11T16:08:26.076924+00:00 | That's really helpful, thank you. I think we might be interested in opening up a UTMA account. Can you tell me more about how that works? |
7cecacdd08e6436e95f0347d76b01317 | agent | 2023-09-11T16:08:38.076924+00:00 | Sure thing! With a UTMA account, you can transfer assets such as stocks, bonds, or cash to your child, and the assets will be managed by an adult until your child reaches the age of majority. At that point, the assets are transferred to your child, and they can use them as they see fit. One benefit of a UTMA account is that it allows for tax flexibility in terms of how the assets can be used, compared to other types of custodial accounts. |
7cecacdd08e6436e95f0347d76b01317 | client | 2023-09-11T16:09:16.846155+00:00 | That sounds great. How do I go about setting up a UTMA account for my children? |
7cecacdd08e6436e95f0347d76b01317 | agent | 2023-09-11T16:09:24.230770+00:00 | I process is relatively straightforward. First, you'll need to choose a custodian, which is typically a parent or legal guardian, who will be responsible for managing the assets until the child comes of age. Then, you'll need to draft a UTMA agreement, which outlines the terms of the account, including the type of assets that can be transferred, and how the assets will be managed and distributed. Finally, you'll need to fund the account with the desired assets. |
7cecacdd08e6436e95f0347d76b01317 | client | 2023-09-11T16:10:00.230770+00:00 | Okay, that makes sense. And what are the tax implications of a UTMA account? |
7cecacdd08e6436e95f0347d76b01317 | agent | 2023-09-11T16:10:06.692308+00:00 | The tax implications of a UTMA account can be a bit complex, as the income generated by the assets in the account is taxed to the child, rather than the custodian. However, the good news is that children's tax rates are generally lower than those of adults, so it's likely that your children won't pay much in taxes on the income generated by the account. Additionally, the UTMA account itself is not taxed, only the income generated by the assets within the account. |
7cecacdd08e6436e95f0347d76b01317 | client | 2023-09-11T16:10:45+00:00 | That's good to know. Is there anything else I should consider when setting up a UTMA account? |
7cecacdd08e6436e95f0347d76b01317 | agent | 2023-09-11T16:10:52.846154+00:00 | Yes, it's important to keep in mind that a UTMA account is irrevocable, meaning once you transfer assets into the account, you cannot take them back. Additionally, the assets in the account are protected from creditors, which that they cannot be seized in the event of a lawsuit or bankruptcy. Finally, it's worth considering naming up a trust, which can provide additional tax and privacy for your children's assets. |
7cecacdd08e6436e95f0347d76b01317 | client | 2023-09-11T16:11:24.692308+00:00 | That's all helpful, thank you. I think we're ready to move forward with setting up a UTMA account for our children. Can you help us with that? |
7cecacdd08e6436e95f0347d76b01317 | agent | 2023-09-11T16:11:37.153846+00:00 | Ofsolutely! I'll work with you to gather the necessary documents and ensure everything is set up properly. I'll also be happy to answer any questions you may have along the way. |
7cecacdd08e6436e95f0347d76b01317 | client | 2023-09-11T16:11:51.461538+00:00 | Thank you so much, Melanie. We really appreciate your help. |
7cecacdd08e6436e95f0347d76b01317 | agent | 2023-09-11T16:11:56.076923+00:00 | You're welcome, Vincent. It's been my pleasure working with you. Before there anything else I can assist you with today? |
7cecacdd08e6436e95f0347d76b01317 | client | 2023-09-11T16:12:05.307692+00:00 | No, I think that covers everything. Thanks again! |
7cecacdd08e6436e95f0347d76b01317 | agent | 2023-09-11T16:12:09+00:00 | You're welcome! Enjoy the rest of your day, and please don't hesitate to reach out if you have any further questions or concerns. |
7cecacdd08e6436e95f0347d76b01317 | agent | 2023-09-11T16:12:19.615385+00:00 | Goodbye, Vincent. Take care! |
6c5d0ab8ab3e493a9625e1932a763a84 | agent | 2023-09-19T15:09:20+00:00 | Good morning, thank you for calling Union Financial. My name is Joanne, I'm a wealth management advisor. How can I assist you today? |
6c5d0ab8ab3e493a9625e1932a763a84 | client | 2023-09-19T15:09:30.615385+00:00 | Hi Joanne, I'm calling about liquid asset management. I called last week and didn't get what help, so I'm hoping you can assist me better. |
6c5d0ab8ab3e493a9625e1932a763a84 | agent | 2023-09-19T15:09:42.153847+00:00 | Of course, Julius. Sorry to hear that you didn't have a good experience with us last time. Let me see what I can do to help. Can you tell me a little bit more about your concerns for objectives for your liquid assets? |
6c5d0ab8ab3e493a9625e1932a763a84 | client | 2023-09-19T15:10:02.000001+00:00 | Well, I have some cash that I want to invest, but I don't know where to start. I'm looking for something low-risk and short-term, maybe a money market fund or a treasury bill. But I'm not sure which one would be best for my situation. |
6c5d0ab8ab3e493a9625e1932a763a84 | agent | 2023-09-19T15:10:22.769232+00:00 | That's understand understandable. Based on what you've told me, it sounds like you're looking for a liquid investment that can provide you with some returns while still keeping relatively safe. Have you considered our Union Financial Money Market Fund? It's a low-risk investment that invests in high-quality, short-term debt securities and offers a competitive interest. Plus, it's a liquid investment, meaning you can easily access your funds if you need to. |
6c5d0ab8ab3e493a9625e1932a763a84 | client | 2023-09-19T15:10:55.538463+00:00 | That sounds interesting. Can you tell me more about the yieldes associated with this fund? And what do I go about investing in it? |
6c5d0ab8ab3e493a9625e1932a763a84 | agent | 2023-09-19T15:11:06.615386+00:00 | Absolutely. The fees for our Money Market Fund are very competitive and are based on the balance you invest. If you invest less than $50,000, the annual fee is 1.25%. If you invest $ than $50,000, the fee drops to 1.00%. As if you invest more than $100,000, the fee is waived entirely. As for investing, it's quite simple. You can either transfer funds from your checking account to the fund or you can set up an automatic investment plan. Would you like me to walk you through the process now or would you prefer to discuss further? |
6c5d0ab8ab3e493a9625e1932a763a84 | client | 2023-09-19T15:11:51.846155+00:00 | That, that sounds great. I think I understand the process. Can you also provide me some information about the minimum balance requirements and any potential penalties for early withdrawal? |
6c5d0ab8ab3e493a9625e1932a763a84 | agent | 2023-09-19T15:12:05.230770+00:00 | Sure thing. The minimum balance requirement for our Money Market Fund is $1,000. And there is no penalties for early withdrawal, although we do require a seven30-day notice before you can access your funds. This is to ensure that we can provide you with the best possible returns while still maintaining the liquidity of the fund. |
6c5d0ab8ab3e493a9625e1932a763a84 | client | 2023-09-19T15:12:31.076924+00:00 | That, that makes sense. I think I'm ready to move forward with investing in the Money Market Fund. Can you help me set that up? |
6c5d0ab8ab3e493a9625e1932a763a84 | agent | 2023-09-19T15:12:42.615386+00:00 | Of course, Julius. I'll just need some personal information from you to verify your identity and then I can assist you with the investment. Can you please provide me with your full security number and date of birth? |
6c5d0ab8ab3e493a9625e1932a763a84 | client | 2023-09-19T15:13:00.153848+00:00 | Sure, my social security number is XX-x-xxxx and my date of birth is x/dd/yyyy. |
6c5d0ab8ab3e493a9625e1932a763a84 | agent | 2023-09-19T15:13:06.615386+00:00 | Great, thank you for providing that information. Now, let me just pull a few things on my end. Okay, everything looks like everything is in order. I'm going to go ahead and set up the investment for you. Is there anything else I can assist you with today, Julius? |
6c5d0ab8ab3e493a9625e1932a763a84 | client | 2023-09-19T15:13:29.230771+00:00 | No, that's all for now. Thank you so much for your help, Joanne. I really appreciate it. |
6c5d0ab8ab3e493a9625e1932a763a84 | agent | 2023-09-19T15:13:37.076925+00:00 | You're welcome, Julius. It was my pleasure to assist you. Don't hesitate to reach out to us if you have any other questions or concerns in the future. And before I let you go, I just wanted to remind you that we value a call survey that we use to improve our service. Would you mind taking a moment to participate in the survey after this call? |
6c5d0ab8ab3e493a9625e1932a763a84 | client | 2023-09-19T15:14:08.000002+00:00 | Sure, I'd be happy to participate. Thanks again, Joanne. |
6c5d0ab8ab3e493a9625e1932a763a84 | agent | 2023-09-19T15:14:12.153848+00:00 | Thank you, Julius. Have a great day. |
6c5d0ab8ab3e493a9625e1932a763a84 | agent | 2023-09-19T15:14:15.384617+00:00 | Bye. |
a1d10a0bb0214fa188b4af7156ee2e02 | agent | 2023-09-04T15:24:11+00:00 | Good morning, this is Mariana from Union Financial. How may I assist you today? |
a1d10a0bb0214fa188b4af7156ee2e02 | client | 2023-09-04T15:24:17.461538+00:00 | Hi Mariana, I'm calling because I'm having some financial difficulties and I'm considering bankruptcy. Can you help me with that? |
a1d10a0bb0214fa188b4af7156ee2e02 | agent | 2023-09-04T15:24:26.692307+00:00 | Sorry to hear that, Nella. Unfortunately, we don't handle bankruptcy proceedings here at Union Financial. However, we do offer credit counseling services that may be able to help you manage your debt and avoid bankruptcy. Would you like me to transfer you to our credit counseling department? |
a1d10a0bb0214fa188b4af7156ee2e02 | client | 2023-09-04T15:24:48.384615+00:00 | That sounds good. Thank, please transfer me. |
a1d10a0bb0214fa188b4af7156ee2e02 | agent | 2023-09-04T15:24:51.615384+00:00 | Of course, one moment please. [transause) Okay, I've transferred you to our credit counseling department. They will be able to assess your financial situation and provide you with personalized advice and solutions to help you get back on track. |
a1d10a0bb0214fa188b4af7156ee2e02 | client | 2023-09-04T15:25:09.615384+00:00 | Thank you so much, Mariana. I really appreciate your help. |
a1d10a0bb0214fa188b4af7156ee2e02 | agent | 2023-09-04T15:25:14.230769+00:00 | You're welcome, Nella. I hope our credit counseling team can assist you in finding a solution to your financial difficulties. If there anything else I can assist you with today? |
a1d10a0bb0214fa188b4af7156ee2e02 | client | 2023-09-04T15:25:28.076923+00:00 | No, that's all for now. Thanks again. |
a1d10a0bb0214fa188b4af7156ee2e02 | agent | 2023-09-04T15:25:31.307692+00:00 | You're welcome. Thank you for choosing Union Financial. Before we end this call, I just wanted to let you know that we value your feedback and would appreciate it if you could take a moment to complete a short survey about your experience with us today. Would you be willing to do that? |
a1d10a0bb0214fa188b4af7156ee2e02 | client | 2023-09-04T15:25:55.769230+00:00 | Sure, yes. I'd be happy to do that. |
a1d10a0bb0214fa188b4af7156ee2e02 | agent | 2023-09-04T15:25:59.461538+00:00 | Great, thank you. You'll receive an email with a link to the survey shortly after this call ends. Thank you again for your time, and have a great day. |
a1d10a0bb0214fa188b4af7156ee2e02 | client | 2023-09-04T15:26:12.846153+00:00 | Thank you, Mariana. You too. Bye. |
a1d10a0bb0214fa188b4af7156ee2e02 | agent | 2023-09-04T15:26:15.615384+00:00 | Bye- Nella. Have a great day. |
f69f775673ce431b93f8e1934b5f0106 | agent | 2023-09-16T09:24:06+00:00 | Hello, thank you for calling Union Financial. My name is Myles, I'm a wealth management advisor. How can I assist you today? |
f69f775673ce431b93f8e1934b5f0106 | client | 2023-09-16T09:24:16.153846+00:00 | Hi Myles, I'm calling about borrowing and lending strategies. I was speaking with an earlier but the call got disconnected. |
f69f775673ce431b93f8e1934b5f0106 | agent | 2023-09-16T09:24:25.384615+00:00 | Sorry to hear that, Summer. Can worries, I'd be happy to help you. To verify your identity, can you please provide me with your full name and account number? |
f69f775673ce431b93f8e1934b5f0106 | client | 2023-09-16T09:24:38.769230+00:00 | Sure, my name is Summer Smith and my account number is 1234567890. |
f69f775673ce431b93f8e1934b5f0106 | agent | 2023-09-16T09:24:44.307692+00:00 | Thank you, Summer. Just to confirm, what were you looking to discuss regarding borrowing and lending strategies? |
f69f775673ce431b93f8e1934b5f0106 | client | 2023-09-16T09:24:52.153846+00:00 | Well, I'm interested in learning out a loan to invest in real estate. But I wantm not sure what my options are or what the best approach would be. |
f69f775673ce431b93f8e1934b5f0106 | agent | 2023-09-16T09:25:05.538461+00:00 | That's a great question, Summer. There are definitely some attractive opportunities in real estate market right now. Let me see if I can help you down your options for you. |
f69f775673ce431b93f8e1934b5f0106 | client | 2023-09-16T09:25:19.384615+00:00 | Wow, that all sounds pretty interesting. What are the interest rates like for each option? |
f69f775673ce431b93f8e1934b5f0106 | agent | 2023-09-16T09:25:26.307692+00:00 | Of course! Our home equity line of credit currently has a fixed rate of 5.75%. Our personal line of credit has a variable rate of prime10.25%. And our secured business credit line has a fixed rate of 7.55%. |
f69f775673ce431b93f8e1934b5f0106 | client | 2023-09-16T09:25:43.846154+00:00 | Okay, those sound seem pretty reasonable. What kind of collateral do you need to put up for each option? |
f69f775673ce431b93f8e1934b5f0106 | agent | 2023-09-16T09:25:52.615385+00:00 | For our home equity line of credit, you'll need to use your primary residence as collateral. For our personal line of credit, there's no collateral required. And for our secured business credit line, you'll need to p the property you're purchasing as collateral. |
f69f775673ce431b93f8e1934b5f0106 | client | 2023-09-16T09:26:12.461539+00:00 | Okay, that makes sense. What kind of fees are associated with each option? |
f69f775673ce431b93f8e1934b5f0106 | agent | 2023-09-16T09:26:18.461539+00:00 | Great question, For our home equity line of credit, there's a origination fee of $750. For our personal line of credit, there's an annual fee of $50. And for our secured business credit line, there's an origination fee of $1,500. |
f69f775673ce431b93f8e1934b5f0106 | client | 2023-09-16T09:26:36.923077+00:00 | Alright, I think I have a good idea of what my options are now. Is you walk me through the application process? |
f69f775673ce431b93f8e1934b5f0106 | agent | 2023-09-16T09:26:47.076923+00:00 | Absolutely! The first step would be to fill out an application, which I can send over to you via email or fax. Once that's submitted, we'll need to review your financial information and order an appraisal on the property you're looking to purchase. After there, we typically takes about two weeks for approval and funding. |
f69f775673ce431b93f8e1934b5f0106 | client | 2023-09-16T09:27:12.461538+00:00 | That sounds relatively straightforward. Thanks for your help, Myles. |
f69f775673ce431b93f8e1934b5f0106 | agent | 2023-09-16T09:27:16.615384+00:00 | You're welcome, Summer. It was my pleasure. If there anything else I can assist you with today? |
f69f775673ce431b93f8e1934b5f0106 | client | 2023-09-16T09:27:24.461538+00:00 | Nope, that covers it. Have a great day! |