When a trip ends, we automatically send a receipt to the email address on your Uber account. You receive it within days. Here's a good rule of thumb. Charity Scam. Find out the money-saving habits of good savers. It is fast because banks transfer the money electronically. Where can I get a Western Union receipt generator? The links that i have found on the Internet do not work. To get a copy of your money transfer receipt: Go to the Western Union Help Center. Tap your email address to update it. These are the best money-transfer apps to help you settle your debts. com is easy. Transfer Funds, Transaction History etc Trick friends etc with your bank Account Balance. Email the confirmation receipt to pay-international@usc. This might be money laundering, which is a crime. Fake Check/Employment Scam. (BEWARE OF PEOPLE WHO PUT FIXED PRICES ON WU TRANSFERS eg $300 for MTCN $4000) This is how MTCN WU transfers work. A phishing scam is targeting Amazon users with emails about fake orders. Billshark regularly reduces phone, internet, cable, satellite, and home security system bills. Choose Copy of Money Transfer Receipt from the list. The options for recording your payments and receipts can be accessed from the Cash Book list, Nominal list, Customer List and Supplier list as well as from the relevant sections of the menu. This will serve as far more convincing and will carry more weight in a court of law than an email or even a letter sent without a signature requirement. But the term wire transfer gets used for other types of transfers as well, so clarify the requirements if somebody asks for a wire transfer. We actually expected that we can get the money right away just like any other “money transfer” services that we already tried. To find out if there’s a fraudster behind what looks like a genuine sender, use your mouse to hover the cursor over or right-click on the sender name and you should see the email address behind it. Beware of the Surge in Wire Transfer Fraud via Spoofed Emails. Thank you for choosing Western Union. I usually would go to this Brazilian store, a brazilian store always have way for you to send money, and I’d only pay 10 dollars fee, I think it’s 10 dollars till $3,500, I don’t know what is the fee for your transfer if you send more. 00 USD per day until you receive your complete $3. Get a hammer n a screwdriver. Beware of Green Dot MoneyPak Scams. "you have a money request" AND the receipts for actual. Here's how. A wire transfer is an electronic transfer of money. ? I am trying to locate a web page that can generate fake Western Union receipts. TheReceipts. Money-laundering and value transfer through the over and under invoicing of goods and services is a common practice around the world. (Maybe get some of my money back) but they informed it was a fake. This Donation Receipt letter is being written to express our appreciation to you for your generous giving to the ministry of First Christian Church during the year _____. Counterfeit Reporting Form (To be used by national banks and federal savings association institutions being presented with counterfeit cashier’s checks, official checks, or money orders drawn on their own institution. We have the best Western Union Hack services. 1, Windows Phone 8, Windows 10 Team (Surface Hub), HoloLens. By The survey, which covers cases dating back to October 2013, does not keep track of how much money was actually lost to criminals. There's a scary email scam floating around that targets Apple users through a fake iTunes or App Store receipt, according to Business Insider. Receipt and Payment Account: Definition and Explanation: "A receipt and payment account is a summarized cash book (cash and bank) for a given period". Save this on your PC or mobile devices. Ticketmaster does not sell tickets to Disney theme parks. How can I stop that, so that I can send money without giving the recipient my real private information? I have heard that business accounts can use a "business name" instead of a personal name; could I just make a business account (even though I don't have a business) and use it as a personal account without repercussions?. – All pre-numbered receipts should be added to determine the daily grand total. The software has useful features that lets you create, customize and edit receipts according to your preferences. You can claim deductions and even survive an audit without them. The bank that receives the fake message will be able to tell it is fake and will report it to SWIFT for investigation. Using APKPure App to upgrade Fake Bank Account Free, fast, free and save your internet data. The most crucial information that must be included in this letter is the statement of the payment receipt, the date of reception, and the amount of payment received. Scammers also send fake PP email notifications, so again, going directly to your PP account is a MUST. Make a note of the date you filed the complaint with Western Union, and be sure to keep any documents you have about the scam and money transfer. Hahaha, this has to be an Engineer thing, My father (Industrial Engineer) tried to buy a car on Craigslist and found a scammer like this. I also confirmed with Commbank themselves. The United States Government instructed us to be paying you via Money Gram to you under installment of Ten Thousand Dollars daily till the amount is completely paid to you, we have transferred your first installment payment today for your pick-up at any Money Gram worldwide, but still on-hold due to none Federal Bureau of Investigation Clean Bill of Transfer Document in your payment file. ” Mileage records – If you don’t have receipts to show business trips, review your cancelled checks, credit/debit card statements, training certificates, mileage log, and calendar notations for records of trips. Your problem would be getting other people to accept those blocks and they won't because they can very easily see that it contains fake (better word: invalid) transaction(s) and simply disregard those blocks completely. The UK Committee for Unicef – Donations Account, HSBC Plc. PayPal AppTransfer money and track activity with our app PayPal Can Do That Discover ways to manage and move your money Shopping and more Deals, gift cards and donations. , PO Box 4BQ, 133 Regent Street, London W1B 4HX; Account Number: 91566814; Sort Code: 40-06-02; Please send us an email to donations@unicef. Track your money transfer status online. Person A enters the office of a money transfer company or its agent (oftentimes a counter in a grocery store), provides some form of identity (e. net, and others) with a subject line similar to Receipt for your PayPal payment to Luiz Mariotto. Make a note of the date you filed the complaint with Western Union, and be sure to keep any documents you have about the scam and money transfer. Your bank will provide you with a receipt as proof of payment. 9+ Transfer Receipt Templates A transfer receipt is used as a proof of payment in different kinds of transfer transactions. Instead of giving discounts on items it rewards users with cash back offers. Payments made in seconds. Consult the Bursar's Office regarding regular arrangements for transfer of large amounts of via armored car cash courier. This includes launching phishing attacks, sending fake money emails, sending fake email to win a prize, and many other. com she actually went over there and said that the mtcn was no good she was DEMANDING western union (i know that these 419 mf can check wu mtcn over the internet but not money gram) i emailed her yesterday and told her that i talked to customer care that she will be having the money available. He asked me to transfer to a posb bank account 189 873 913. doc or pdf file and customize it. Which Money Transfer Option to Choose: Walmart2Walmart or MoneyGram. Walmart is happy to accept returns for any of the products they sell. You'll also receive an email receipt when you: Start a trial offer. If you're in a long-distance relationship with someone you've never met in person, be wary of possible fraud, if they start asking for money. ? I am trying to locate a web page that can generate fake Western Union receipts. not transfer the money. The Death Of Fake Western Union Receipt Template | Fake Western Union Receipt Template - fake western union receipt template | Encouraged for you to my blog, in this occasion I am going to explain to you in relation to fake western union receipt template. You can receive funds to your Chase Bank account from any bank within USA using domestic wire transfer. A copy of the receipt should be given to the person who makes the payment. Money-laundering and value transfer through the over and under invoicing of goods and services is a common practice around the world. This would make the buyer to lose all the hard earned money. GOLDMARK: The fake IRS agent calls herself Eva, and she gives very specific instructions for how to send the money. Wait for your money to show up in your Ibotta account (usually takes just a few hours). Walmart offers two types of money transfers: Walmart2Walmart money transfers, powered by the firm Ria, and MoneyGram money transfers. Counterfeit Reporting Form (To be used by national banks and federal savings association institutions being presented with counterfeit cashier’s checks, official checks, or money orders drawn on their own institution. Live better. The top part you send to the company/person that you are sending the money. You can find a list of fake confederate serial on the websites of some experts. Printable Receipts in. Cash Receipts. Please note that the receipts your patients need for a successful self-claim may be very different from what I’ve outlined above. “I always used Ria Money Transfer for sending money to my dad in Brazil when I was in the U. 99 for the transfer. TheReceipts. Absolutely! Receipt information can typically be retrieved for up to 2 years following your purchase. Easily settle your debts with these 11 money-transfer apps. then kindly do not deposit that challan into bank and contact concerned CRO. customreceipt. Transaction for the value of: 69. com (lad98@netinformatica. SmartReceipt (Android) SmartReceipt is another great tool for keeping receipts organized. Enjoy a $0 transfer fee and get access to daily market updates, rate alerts, and your. MTN Mobile Money is a service provided by MTN in partnership with partner banks. • Ensure that all checks are endorsed. Reply Delete. • Another loan sanctioned making provision for Margin Money. Make your first payment of a new subscription. Money Transfer Companies Fight Back Against IRS Scammers. In typical phishing fashion, the emails look just like. mobile number must already be enrolled with Zelle. Other Services. Challan number and amount of money deposited must be clearly legible on a printed challan. 10 Digit Money Transfer Control Number {M. Search the history of over 371 billion web pages on the Internet. the Internet. The most crucial information that must be included in this letter is the statement of the payment receipt, the date of reception, and the amount of payment received. not transfer the money. A money transfer receipt can be issued in the following instances: An entity will send a monetary amount to another entity in a different location through the help of a money transfer. western union send money form pdf For every student who admits, a certain amount of money is guaranteed. It is fast because banks transfer the money electronically. eBay fake agent email receipt Western Union and Moneygram Scam- iPhone MacBooks, apple Don't send money, this is a scam. Receipt Format. Depending on the store, a member of management may be the only one to do so. Fake Check/Employment Scam. We will email the information below to ISAPAT_95@YAHOO. g Utility bill or bank statement) to the agent to receive your money. Billshark regularly reduces phone, internet, cable, satellite, and home security system bills. But selecting best online receipt generator is tough. Each and every gift is designed to help you send the right message. Cash Receipts. Money Transfer Receipt Template - Unitedijawstates Money Transfer Receipt Template - Unitedijawstates. I was somewhat confused as I wanted to have my statements organized prior to importing into QuickBooks. You receive it within days. Other Services. You can claim deductions and even survive an audit without them. Every time you go shopping, you've given a little slip of paper with everything you bought - and you can use it to make some money with the Receipt Hog app! Receipts are useful as you can use them to check you haven't been overcharged and it's always handy if you want to return it item you may not have needed or it's faulty. • Ensure that all checks are endorsed. Send Customized Payment Receipts from PayPal PayPal is a great way to get paid for things online without the hassle of gateway fees, setup charges, or merchant accounts. But the term wire transfer gets used for other types of transfers as well, so clarify the requirements if somebody asks for a wire transfer. Browse scammers by fake documents used. This is the biggest red flag for fraud. Printable Receipt Template Issue this receipt template to customers when payment is made by either cash, check or credit card. Free Money Clipart - Clip Art Pictures - Graphics - Illustrations Toggle navigation Home. Use these samples to help your charity or other. Receipts Law and Legal Definition A receipt is a written acknowledgment by the recipient of payment for goods, payment of a debt or receiving property from another. Transfer : US,UK,CA,AU,EU and very easy to cashout Globally. What should I do? First, check the payment status within your payment activity in your bank's online or mobile service, or within the Zelle app. However, after I set up and received money from buyers, it was permanently limited right away and the limitation cannot be appealed. Just enter your desired Fake Business details into our Receipt Generator and we'll create a Fake Business License Receipt for you. And after this, this can be the very first graphic:. It’s secured and it’s fast. Want to save money? Personal finance writer Michael Timmermann says he saved over $1,000 by holding off on extra purchases and holding onto his receipts instead. ” Mileage records – If you don’t have receipts to show business trips, review your cancelled checks, credit/debit card statements, training certificates, mileage log, and calendar notations for records of trips. If it's lost in the mail, there is zero recourse for replacement or reimbursement if you do not have BOTH receipts. Customer Care Case Management - This department is responsible for documentation, investigation and communication of all consumer complaints, disputes and reported issues for MoneyGram money transfer transactions; Money Order Support - use ONLY when a Money Order representative requested that you send documentation. Impress your customers with this professionally made cash receipt template. i msde a fake receipt at www. Secret Service, or to your local police. As of this writing, we don’t have any information on our page about UPT Max-Pay. Impress your customers with this professionally made cash receipt template. Complete the form and click "Submit. Send $2,500 per day in RBC Online Banking (5) and the RBC Mobile (5) app - 24/7. Consumer Protection has received a report from a consumer who thought he had been paid by a buyer of his goods, but in fact hadn't. A Pinoy Money Talk (PMT) member emailed me yesterday to ask whether a Paypal transaction she is planning to enter into is a scam or not. When you wire money to someone, you have a variety of options. – All pre-numbered receipts should be added to determine the daily grand total. 00 version that you can customize. A request to send or wire money that was paid to you with a money order. Visit a Western Union® agent location near Stockholm, Sweden to send or receive money fast. Track your money transfer status online. > The fake wire transfer receipt is fraud. mobile number must already be enrolled with Zelle. Browse scammers by fake documents used. In all these cases, the communication requests personal information, such as a social insurance, credit card, bank account, and passport numbers, from the taxpayer. While PayPal will automatically send you and your customers a notification whenever a payment is made, it won't send an additional receipt from you or your business acknowledging that you received. Get helpful step by step instructions and answers to your frequently asked questions here. Charities and qualified donees have until March 31, 2019 to update their receipts. The process of providing transfer service can be applied to the materials that are to be shipped, funds that are to be sent, or the people that need to be brought from their point of origin to another destination. Save this on your PC or mobile devices. Here at Zervant we’ve made some free receipt templates for you, with versions in both Word and Excel. You receive it within days. Although above are the most common scams, but you should know that fake emails are frequently used for PayPal scams. How money-transfer scams work. Impress your customers with this professionally made cash receipt template. I'd never relinquish the receipt when sending a money order. • As per terms of sanction, company was to bring margin up front, but same was not ensured and disbursement was made directly to the credit of current account of the company. To send a fax domestically the fee is $3. Money transfer: Scammers convince you to send the funds through online banking or other money transfer services, like ExpressSend ® or. The client use some to pay small expenses cash. The amount depends on the amount of money you are claiming and how you start the case. You must always provide your customers with a receipt or proof of. Withdrawals to bank accounts can be on a daily, weekly or monthly basis. Make sure it was a cash deposit and not a transfer. You’re asked to wire money or load a prepaid/gift card to help. 1, Windows Phone 8, Windows 10 Team (Surface Hub), HoloLens. • Another loan sanctioned making provision for Margin Money. • As per terms of sanction, company was to bring margin up front, but same was not ensured and disbursement was made directly to the credit of current account of the company. 7+ Best Receipt Maker Software Download Reviews Receipt maker softwares are lightweight tools that come in handy when you have to generate a receipt of any expenditures made. It can include transfers from retail “money transmitters” as well as banks and credit unions that transfer funds through wire transfers, automated clearing house transactions, or other methods. Fake ATM Receipt Generator This was one of the essential which must exist in this list. Billshark regularly reduces phone, internet, cable, satellite, and home security system bills. But Wells is a few years past being a kid, does not have any young children at home and does not play basketball. Honestly, you can not fake a swift. Online fraud artists have been using counterfeit and worthless checks for years. Use secure payment methods you are familiar with only. This deposit will assure that you intend to buy something by entering a contract with the seller. We provide a MASTER CLASS Western Union Hacker service that is secure, convenient and available on demand. You have. We will gladly look up your purchase information with your account number, a Customer Return Label or Gift Registry number. , PO Box 4BQ, 133 Regent Street, London W1B 4HX; Account Number: 91566814; Sort Code: 40-06-02; Please send us an email to donations@unicef. • Accepted fake money Receipt fro dealers / Agencies without verifying its authenticity. Fortinet researchers first spotted the phishing campaign over the weekend of 17 February. “How did this store get my email address to send me a Square receipt?” asks a reader. The leading money transfer operators like MoneyGram and Western Union are often used by scammers to fulfil their purpose. Where can I get a Western Union receipt generator? The links that i have found on the Internet do not work. We actually expected that we can get the money right away just like any other “money transfer” services that we already tried. Search the history of over 371 billion web pages on the Internet. ca/charities-giving. The receipt format should contain as much information about the payment as possible to make it a complete document that can hold up in a legal situation. The easiest and cheapest way to get customised fake ATM receipts is to use a fake ATM receipt template and edit it yourself and get us to print it - it's a word document- customise them yourself by saving the file and changing the details as necessary - dates, amounts, card numbers, name, bank etc - create up to 15 of these and email them to us. Customer Care Case Management - This department is responsible for documentation, investigation and communication of all consumer complaints, disputes and reported issues for MoneyGram money transfer transactions; Money Order Support - use ONLY when a Money Order representative requested that you send documentation. Walmart-2-Walmart will then transfer the money and the person on the other end can pick the cash up at any store in the specified state within a few minutes, Walmart spokeswoman Sarah McKinney said. Yes, you may still qualify for the charitable donations tax deduction without the charitable donation receipt. These cash receipt templates are sort of written acknowledgment of payment received, which cannot be denied by any means at the end of the seller. The app, free with ads and $2. To make the deal appear legitimate, the criminal instructs the victim to send full or partial payment to a third-party agent via a wire transfer payment service and to fax the payment receipt to the seller as proof of payment. Re: Re: Bank Fees. Genuine note and SSF 1604 returned to bank (Receipt No. My co worker called Walmart who investigated but could not see the cashier pocket the money. You can easily split the bill, cab fare, or much more. Fake PayPal receipt Download PDF Listen Consumer Protection has received a report from a consumer who thought he had been paid by a buyer of his goods, but in fact hadn’t. A bank wire transfer is the preferred mode of transferring money from one bank to another when you want to send it quickly and safely. Stripe can send receipts for recurring payments (e. Wire transfer: A wire transfer is an immediate form of payment. Some churches issue receipts on an annual basis. You can review your email address by selecting "Settings" from your app menu. Cyber criminals behind the fake Payment Confirmation email utilize malicious black hat tactics including email phishing, in which the attackers send fraudulent email messages to their victims in attempt to persuade them to click malicious links or download malicious files in order to infect a computer system with malware, such as spyware and Trojans that are used to collect sensitive. This might be money laundering, which is a crime. or "This is simply a summary of the cash transactions as in the cash book, analyzed and classified under suitable headings, including the opening and closing balances". The process of providing transfer service can be applied to the materials that are to be shipped, funds that are to be sent, or the people that need to be brought from their point of origin to another destination. Stripe can send receipts for recurring payments (e. Zelle and the Zelle-related marks are wholly owned by Early Warning. As of this writing, we don't have any information on our page about UPT Max-Pay. Best apps to keep track of receipts. This money transfer is through Navy Federal Credit Union and is not a Western Union transaction. Won't work at most places though, as most stores have internal computer records of what was sold, and each receipt has a unique order number on it, which you couldnt duplicate with this. You can pay for your money order with cash, debit card, or traveler’s checks. – Checks should be totaled with a calculator tape attached. We will send you another email when the money is picked up. You can print the receipt as you sell the product or service and give it to the customer immediately after their purchase. They often accept payment using PayPal or Skrill, another money transfer service. Wire transfer: A wire transfer is an immediate form of payment. Use a particular company, MoneyGram. Email us the word documents with your fake receipt details on them, along with your Purchase Reference. Not wanting to lose the buyer, you deposit the check in your account and send him back the extra money. Money Transfe Userr s Family Remitters One Time Users Urgent Bil Payerl s [graphSenderspopulationAbout 63% of (Nationally Money has of US it and Transfer population representative about Consumer 28% and of 72% sample money Characteristics of money of transfer domestic transfer senders. The Statement Converter is the slickest thing since sliced bread. Many Employees tend to fake rent receipts to claim a. Cyber criminals behind the fake Payment Confirmation email utilize malicious black hat tactics including email phishing, in which the attackers send fraudulent email messages to their victims in attempt to persuade them to click malicious links or download malicious files in order to infect a computer system with malware, such as spyware and Trojans that are used to collect sensitive. Apparently, some guy supposedly from the UK contacted her asking help to transfer Paypal funds. Western Union - The Western Union name has long been synonymous with wire transfers. Cash receipts represent a record of all financial transactions and the money generated through cash, check or credit sales, online sales, interest accrued through bank accounts or capital gained and investments. The receipt generator software has interactive and simple interface that lets you create professional receipt with few easy steps. Fake iTunes receipt - email phishing scam. Meanwhile, if you used Western Union to send money to a scammer, you can report it to Western Union's complaint department at 1-800-448-1492 or online. But these days, you can transfer money electronically through various payment systems, including apps like PayPal and Venmo. Want to be a millionaire? Well, we can't do that for you, but we can put your face on the money. 1 online payment gateway. Counterfeit money from the same period can have an equal value because it is from the same period. Prepay your phone bill, add minutes to wireless accounts, top-up phone cards and commissary accounts with one reliable service. When visiting any Square seller in the future, you will be asked if you would like to receive your receipt via text message or email for each purchase. Print Certified Mail Labels online and skip the trip to the Post Office. Mexico’s government is taking an unusual step to weather a U. Make a note of the date you filed the complaint with Western Union, and be sure to keep any documents you have about the scam and money transfer. This might mean saving your receipts for a few hours until you have time to input them all. In addition, if Square had a big "convert" button in that account, then once it had me as a consumer, if I decided to start a small business, etc. Money-laundering and value transfer through the over and under invoicing of goods and services is a common practice around the world. A money order comes with 2 parts. I WILL NEVER GO THERE AGAIN - Barrister Bediako after four trips. The United States Postal Service charges $1. 1 online payment gateway. This is true even if their rent is paid by cheque, electronic transfer, or other instrument that would appear to be its own receipt. Purchase a Printing Voucher Below (for US$14. But who keeps receipts? When dealing with theft or loss of property, you may actually have receipts; however in a total loss situation such as a fire, often the receipts are destroyed along with the property. Save this on your PC or mobile devices. If you're moving overseas, it's likely you'll need to transfer money from your native home to your new country of residence. Money transfer: Scammers convince you to send the funds through online banking or other money transfer services, like ExpressSend ® or. Has anyone on here ever received a bank transfer receipt from a gumtree buyer and claimed they paid for goods? I received a fake bank transfer receipt and the only reason why I know is because I'm also with Commbank and the money didn't come through. i msde a fake receipt at www. For a faster transfer of funds, specify a higher transaction fee. Difference Between Invoice and Receipt (keydifferences. John de Lisle is one fellow who values ATM printouts — not because he got millions printed on his bank statement — but because he earns a four-digit annual income from his hobby printing fake bank receipts. Billshark regularly reduces phone, internet, cable, satellite, and home security system bills. Browse western union payment receipt pictures, photos, images, GIFs, and videos on Photobucket. Money Order Inquiry System. com): Both invoice and receipt are non-negotiable commercial instruments, which are used during the course of a transaction. Complete the form and click “Submit. Withdrawals. Make sure it was a cash deposit and not a transfer. I was somewhat confused as I wanted to have my statements organized prior to importing into QuickBooks. I had a friend who sent the affidavit back to Bank of America, but it got lost in the mess of Bank of America stuff. A receipt is any document that contains the following five IRS-required elements: 1. Originals can have value anywhere from 100 dollars to 10,000 dollars. • Another loan sanctioned making provision for Margin Money. Most people often throw away the receipt after withdrawing cash from an ATM. The person receiving the MoneyGram transfer must present a valid photo ID and know information about the transfer. Where can I get a Western Union receipt generator? The links that i have found on the Internet do not work. I will repay you twice as much (200% interest) but this deal will only last through 9pm Friday night, I will repay you within 4 days and wire money back to you I promise. Each receipt form is available in two versions: a free, ready-to-use version and a $7 version that you can customize. To send money, the Sender simply visits a MoneyGram or Western Union outlet, completes a form, hands the form and the cash to the cashier, and is given a confidential transfer number. Sometimes you may need to pay local tax to your host, but this payment should only be made through Airbnb, and in many cases this will be included in the cost of the reservation. This would make the buyer to lose all the hard earned money. ) SSF 1604 (Rev. Fake iTunes receipt - email phishing scam. When visiting any Square seller in the future, you will be asked if you would like to receive your receipt via text message or email for each purchase. If your receipt has faded and is no longer readable, see my article “The Case of the Fading Receipt. Generate names, addresses, social security numbers, credit card numbers, occupations, UPS tracking numbers, and more absolutely free. All Donations are at your own risk. > California has a large prison system, with cell space available. That way, you can say that something is "free" or "cheap" or whatever you like. Ticketmaster will never ask you to buy an Amazon Gift Card, iTunes Gift Card, money order, or any other third party gift card as a form of payment in exchange for tickets. You know those insurance companies … they’ll do whatever they can to deny a claim. Not wanting to lose the buyer, you deposit the check in your account and send him back the extra money. Just like any business, a taxi driver should also have a receipt to keep record of all activities in the trip. After that, you lose the short-term right to reject the goods and you'll have fewer rights, such as only being able to ask for a repair or replacement, or. Your custom receipt will be shown (containing the text that you entered) in the space above. This will help us to keep track of your transfer and we can then let you know and thank you once we have received it. Fund transfer denotes the activity of transferring money electronically or physically. To request a copy of your receipt over the phone, call Customer Care. Money transfer: Scammers convince you to send the funds through online banking or other money transfer services, like ExpressSend ® or.