Notepad++ is a free (as in “free speech” and also as in “free beer”) source code editor and Notepad replacement that supports several languages. PayID will be an additional payment option available to your customers. To an account overseas (an international transfer). Note: You do not need an account in order to access the Project Review Tool and awareness documents and templates. Lending. 1 When These Terms and Conditions Apply 80 27. The Navy Reserve Officers Training Program (Navy ROTC) is a multi-year program that runs concurrently with a student’s normal college or university educational course of study. What is the incident to billing? 8. nginx301 Moved Permanently. How to create, transfer, lock, close and pay to a PayID with Heritage Bank. The NPP was created in order to stay aligned with the ever-changing landscape of the digital economy by enabling faster payments. We're here to help. nginx301 Moved Permanently. embracing the technology to fuel small business payments innovation. If you don't see the option to use NPP Faster Payments or PayID on a transfer, check these two things: Ensure you have the latest version of the Heritage Mobile Banking App, by. Stay up to date with faster alerts and push notifications. It was first made accessible to the general public on 13 February 2018 [2] with the launch of PayID, an addressing capability, and Osko, [3] the first NPP overlay service, operated by BPAY. Please make a selection below. Scope and application. This endpoint returns payments made using a NPP PayId. When you pay to a PayID, it will go through our NPP faster payment service. The New Payments Platform Individuals or organisations interested in the New Payments Platform can read more about ithere. 03/11/2017 by AFB. nginx301 Moved Permanently. 4. Images captured and shared by Opemsuo Radio on November 24, 2023, showcased a rich exhibition of Ashanti culture in the heart. I need help finding my policy underwriting company. Also known as the New Payments Platform, the NPP will allow Australians to make low-value payments 24 hours a day in less than 30 seconds. Now Heritage Bank now has the ability for customers to. You may be able to sell biodiversity units and nutrient credits with CSR payments. Punggol West. An update on the NPP roadmap is now available providing the latest numbers relating to the growing use of the NPP. MM4291. Pasir Ris Central. Many providers reported multiple unplanned outages to these services during the year. Check Your Credit Score. com. Currently, Heritage only accepts NPP Single Credit Transfers (SCT). The industry body, together with NPP participants, is looking to introduce a debit-based function which will materially shift the capability of the NPP. com. 6. is fostering the ongoing evolution and development of payment services. The NPP is a fast payments infrastructure that has given businesses, governments and consumers a platform to make fast, near real-time and data-rich payments. *Documents sent after 9 November 2023 include the changes. 2006 MLN Matters Articles. 2️⃣ Go to the Cashier or Bank section of your PayID online casino. The NPP infrastructure supports the independent development of ‘overlay’services to offer innovative payment services to end-users. Department of the Treasury’s Office of Foreign Assets Control (OFAC) is imposing nearly 100 sanctions on Russian elites and Russia’s industrial base, financial institutions, and technology suppliers as the United States continues to leverage sanctions and economic restrictions to undermine Russia’s. The proposed amount of DCB and ACB funding for the new entity should consider the DCB and ACB amounts provided to comparable. • Online redraw of payments in advance (conditions apply) • View recent transaction history, including VISA Authorisations. 1. Frequently. com. 1 million payments worth $1 billion made per day in January 2020. 153 1 cac:PaymentMeans 0. Users can provide their PayID (an easy-to-remember piece of information, such as their phone number or email address), instead of their BSB and. Limit is the number of rows you would like to view (maximum of 200). The ISO 20022 message schema captures and transmits this data in a way that can be customised for different payment types. Where an NPP proposes the creation of a new entity, the NPP should address the need for: setup capital funding – through appropriation Acts (No. Refer to the PayID, OSKO, and the New Payments Platform Terms & Conditions here. You can still provide your BSB and account number to get paid by someone. A Fast Payment can be addressed to a PayID or BSB and account number. If overseas, call +617 4694 9139 . Organisations that clear and settle payments on behalf of their customers can connect directly to the Platform if they are an Authorised Deposit-taking Institution (ADI) or a Restricted ADI, whether they are fully or conditionally licensed. 2006 MLN Matters Articles. NPPs also may be known as mid-level practitioners, physician extenders, and advanced. by the NPP rules to accept basic payment initiation messages. Currently, Heritage only accepts NPP Single Credit Transfers (SCT). The NPP Regulations and NPP Procedures establish the standards and requirements that apply, as conditions of participation and connection to the NPP. Launched in February 2018, the New Payments Platform (NPP) is open access infrastructure for fast payments in Australia. 2/4/6) an ongoing DCB or ACB. 6 NPP Payments 79 26. 4️⃣ Choose PayID as your payment method. the NPP has continued to grow since its launch in 2018, and there has been an increase in the number and range of payment providers offering NPP services. The below table shows the predicted payment rates given the finalized changes. Mahamadu Bawumia to lead the party will make it easier for the NDC to win. However, the velocity of payment processing does challenge financialThe New Payments Platform. 5 PgCyr −1 and HANPP of 15. Depending on the end-goal, there are five pathways an organisation could follow to access the NPP and its benefits: 1. As expected, the big-four banks - NAB, CommBank, ANZ, and Westpac all use Osko. The payments can be directed to BSB and account numbers or to a PayID (information such as an email address, phone number, ABN number or a unique organisational identifier that can be linked to a user’s bank account. Call 13 14 22 or if. One in three of all account-to-account credit transfers are occurring via. Corvette Warehouse Message Us 972-620-8200 2432 Walnut Ridge St. Connected Institutions may use the NPP to send NPP payment initiation messages to financial institutions to request payments to be made from customers ’ bank accounts. circumstances, and read the relevant terms and conditions and Product Disclosure Statement (available in-branch or at heritage. The Bank made a number of recommendations on NPP access as part of a joint consultation with the. Heritage delivered inbound payments for the NPP in 12 months; and in 18 months, Marchant said. •The NPP currently supports credit payments or “push” payments whereby customers make payments via their banking channel •The collective MPS capability will support debit or “debit-like” payments (both recurring and one-off) via the NPP through: ̶Ability to create and store a customer authorised payment arrangement - a ‘Mandate’At the time of writing, there were 102 entities (including sub-brands and subsidiaries) offering NPP payment services to their customers. Three of the four major banks cannot hit an end-of-June deadline for an important upgrade to the real-time payment system, which could trigger sanctions from the. . How long does pay anyone processing take? 14. HHS-Operated Risk Adjustment Program. You can search for which banks, building societies and credit unions are offering PayID here. the question whether faster payment systems create newfraud risks. 301 Moved Permanently. As participating financial institutions and third-party payment providers roll out NPP. Together, the NPP and FSS now enable customers of more than 90 financial institutions to make fast payments 24 hours a day, every day of the week (‘24/7’). nginx301 Moved Permanently. all account-to-account credit payments in the market. The average cumulative downtime per provider during the year was around 18. The monthly value . 8h. This is a key differentiator to third party payment initiation in other markets, such as the UK, and removes the need for a fintech to integrate with each and every financial institution where their customers hold their bank accounts – or the need to use intermediaries. These messaging capabilities present significant opportunities for enhanced business efficiency. The NPP enables real-time clearing and settlement of transactions so that if you are sending money. Two NPP payment systems used include Single Credit Transfer and OSKO. S. Fast Credit Approval; Payment Calculator; Sell Your Car; About Us. Further guidance, including any data elements used specifically by any NPP overlays, are. 12. Payment cut off times will soon be a thing of the past. M. 30am to 1pm (Closed on Sundays and Public Holidays) Q-Ticket issuing Hours: Weekdays - 8. There are more than 100 banks, credit unions, building. NPP faster payments and PayID are only available on the Heritage Mobile Banking App. nginxWhile members and communicators of the opposition National Democratic Congress continue to claim credit for the idea of establishing the Heritage and Stabilisation funds, the youth wing of the gove…As at the end of April 2020, approximately 90 banks, credit unions, building societies and fintechs. 1 A Transaction Negotiation Authority (TNA) is an agreement between an account holder/their bank in favour of a third party, such as a payroll vendor, allowing that party to effectively make transactions on the account holder’s behalf up to the authority lim it. 8h. As participating financial institutions and third-party payment providers roll out NPP. Experience suggests that real -time payment systems do not create new types of fraud – the typologies of account compromise are consistent across both traditional and real -time payments systems. Frequently asked questions and answers about NPP Faster Payments, setting up a PayID and payment troubleshooting. ,. Note: This Guidance is based on the data elements required for a native NPP single credit transfer message. This document provides guidance in relation to the use of the NPP for SuperStream related payments. Fight scammers with our help. Heritage delivered inbound payments for the NPP in 12 months; and in 18 months, Marchant said inbound and outbound payments were delivered. Learn how we protect you from fraud and become savvy at identifying scams with our help guides and security tips. Currently, Heritage only accepts NPP Single Credit Transfers (SCT). Currently, Heritage only accepts NPP Single Credit Transfers (SCT). It also offers a simpler way of addressing payments, using the recipient’s email address, phone number or ABN rather than bank account details, and allows more informationDownload the App now and use your existing member number and password to log in. PayID and New Payments Platform (NPP) FAQ's | Heritage Bank Scheduled Maintenance : We're running scheduled maintenance on Wednesday, 12 April from 10pm to 4am Thursday, 13 April AEST . 2023 Payment Rates. Mar 14, 2022 – 1. More than 30% of all account-to-account credit . NPP Australian Limited was established in 2014 to oversee the development of real-time payment services. ,. When you pay to a PayID, it will go through our NPP faster payment service. Punggol Coast. Find an institution. Mileage. { event_time": "11/10/2021 02:33:30", "_ref": "D. Follow the transfer money process above and select the option to perform transfer later. Published 4 July 2019. 26. Heritage today announced the completion of its rollout of services via the New Payments Platform, enabling near real-time funds transfers. The orange arrow below indicates where the confluence of NPP’s MPS and Treasury’s CDR hopefully arrives at: Fig 2. Contact us Questions on registering and using your PayID Contact your financial institution. 3 Eligibility and Access 81 27. Heritage Bank needed to integrate its core banking, web banking, mobile banking and fraud systems with the new NPP. 301 Moved Permanently. com. Usage of NPP payments has grown significantly, with over 4. PayTo is a new, digital way for merchants and businesses to initiate real-time payments from their customers’ bank accounts. 2 Before you can create your PayID to receive NPP Payments into your Account, you have to This material has been prepared without taking into account your objectives, financial situation or needs ('your circumstances'). com. How long does NPP debit take? 7. Receive payments to your email address or Australian mobile number when you set up your PayID *. On the Osko website, BPAY claims the product allows. Auctions. Suomi NPP has five sensors onboard, they are: the Advanced Technology Microwave Sounder (ATMS), the Visible/Infrared Imager and Radiometer Suite (VIIRS), the Cross-track Infrared Sounder (CrIS), the Ozone Mapping and Profiler Suite (OMPS) and the Cloud and the Earth’s. Several key Financial Market Infrastructures (FMIs) also have planned migrations over the next five years, including in the United States, United Kingdom, the euro area, Canada and Hong Kong. To learn more about NPP and how to set up your PayID, visit our New Payments Platform. nginx301 Moved Permanently. 2. October. PayTo provides a Our Guide to Heritage Deposit Products details this more. You can make and receive payments in usually less than a minute, on a 24/7 basis. What is NPP direct entry? 11. A key example of that is a development the NPP has on its current roadmap for the end of 2021, with market availability currently anticipated early 2022. A modern alternative to direct debit. a variable rate with AMP Cash Manager on balances from $10,001 to $250,000. Entertainment. If someone sends a NPP OSKO payment to your Heritage account, most banks will convert the payment to SCT to allow Heritage to receive it. Send money via NPP faster payments in our Mobile Banking App. These changes are for your benefit and will take effect from 9 November 2023. The service will use the NPP payment infrastructure for transactions ranging from mobile-to-mobile payments and bill payments to property settlement services. PayID is supported by more than 100 banks and credit unions across Australia; this means more customers can use this PayID option to pay. These fast payment systems are generally designed to process high payment volumes. jzaq", "type": "debit", "amount": 1212, "action": "creditor_debit. They found global potential NPP of 65. This frees Zepto from the limitations that come with connecting to the underlying payments infrastructure through a 3rd-party, and allows Zepto to innovate. gov. NPP imposing Bawumia on Ghanaians although he has been rejected – Minority Chief Whip. But using a PayID will be simpler, often faster and is just as secure. PayTo is a service offered by banks, financial institutions and payment service. What is NPP? NPP is a major industry initiative to develop new payment infrastructure across Australia, allowing consumers, businesses and government to process payments more effectively through PayIDs. If the account you’re sending money to is eligible to receive NPP Faster payments, then you will receive an option to make the payment ‘Within 2 hours’. Payments can be directed to BSB and account numbers or to a PayID ® (information such as an email address, phone number, ABN number or a unique organisational identifier that can be linked. Contact the Accounts Receivable License Fee Help Desk: Email: fees. Richard Aseidu noted that the NPP choosing Dr. We’ll help you figure it out with this five-step process. Frequently asked questions and answers about NPP Faster Payments, setting up a PayID and payment troubleshooting. Our local Australian contact centre is waiting for you. If someone sends a NPP OSKO payment to your Heritage account, most banks will convert the payment to SCT to allow Heritage to receive it. 6062 to $33. Some domestic and international payment systems already use the ISO 20022 messaging standard, for example, Australia's New Payments Platform (NPP). nginx301 Moved Permanently. Why must a physician verify and sign orders written by an NPP in the SNF? A10. 1. Volunteer with us! We are always on the lookout for volunteers who can help us achieve our mission to make Singapore our garden. Search the financial institutions that offer NPP-enabled payments and services here. 30pmBlockchain captures the spotlight in this week’s B2B Payment Rail Innovation roundup, with community banks in the U. The NPP (New Payment Platform) is an innovative platform to give Australian consumers and institutions a new way to make everyday payments. Eight members of the NPP's vigilante group, Delta Force accused of facilitating the escape of members of the group from lawful custody and were. gov. 301 Moved Permanently. – 7:00 p. The success of the NPP, Houseman said, comes from a number of key drivers. 2. 2017, 27, 137. nginx301 Moved Permanently. 8 NPP Participants, Connected Institutions and Overlay Service Providers act as Principals 1-22 1. NPP in Australia is at least in line with other successful implementations. FAQs. 301 Moved Permanently. 8h. First American Payment Systems has also been known to charge a. initiate payments. OSKO is a service offered by BPAY® that is built on the NPP that enables near real time payments 24/7, including weekends and public holidays. 5 Basic Single Credit Transfers 79 26. 2. This is different than the billing guidance in the CPT® code book. Neither this document, nor any information contained in it, shall form the basis of any contract between NPP Australia. nginxThe Hubble Heritage image of N 49 is a color representation of data taken in July 2000, with Hubble's Wide Field Planetary Camera 2. Download the app. Banking. Year. Your chances of getting a debt consolidation loan that works for you are better if you have a good credit. au). The proposed amount of DCB and ACB funding for the new entity should consider the DCB and ACB amounts provided to comparable. • Check Account Balances. Launched in February 2018, the New Payments Platform (NPP) is open access infrastructure for fast payments in Australia. Stripe’s products power payments for online and in-person retailers, subscriptions businesses, software platforms and marketplaces, and everything in between. 2017 Arctic White / Black Leather Corvette Grand Sport Coupe 2LT Premium Option Package, Z15 Heritage Package, EYT (Carbon Flash Badge Package), NPP (Dual M. nginx301 Moved Permanently. Heritage Bank. 1. Please see the table below to ascertain if your bank supports instant payments. nginx301 Moved Permanently. 1, 2022, clarified that billing for this service is allowed for the clinician who 1) performs the substantive part of the encounter based on key components. It can be done over the phone by calling 1-855-706-2396, emailing [email protected] a part of the Tibetan Plateau, its elevation ranges from 2000 to 5800 m above the sea level and. The main elements required to identify a payroll or salary payment for an NPP message are: 1. 2010. natureinpunggol@gmail. It came to the Australian market in 2018. nginx301 Moved Permanently. Developed by Australia’s Banking Industry, the NPP will transform the way we pay each other, allowing payments in near real time. com. The JN-NURM Heritage Context Initially launched for 60 cities in 2005 as a 7-year programme, currently there are 63 cities in the Mission. Alternatively, cancel your card in Heritage Online or call 1800 076 037. 4 Creating a PayTo Agreement 81 27. Since the democratization of Ghana in 1992, it has been one of the two dominant parties in Ghana. au). You can check the list below to see if your bank offers real. If you are still having trouble closing or transferring a PayID please contact us. nginxNPP payment messages can support more data, including up to 280 characters of structured or unstructured data. More details are in section 8 of the NPP Regulations, a. 4. We anticipate these user fee rate decreases may exert downward pressure on insurance premiums for consumers. Learn more with Heritage Bank. Share. What is NPP? NPP stands for New Payments Platform. The last Section G, provides details regarding the Financial Operating Plan for Mathura, NPP. Interior Color. The NPP is a world-class fast payments infrastructure developed by the Australian financial sector and the Reserve Bank of Australia. Disclaimer: This document is for general information purposes only. 3️⃣ Select the Deposit option. The speed at which you can send and receive payments is changing. 30am to 1pm (Closed on Sundays and Public Holidays) Q-Ticket issuing Hours: Weekdays - 8. nginxMyAmeriGas is our easy to use, online account management tool where you can order propane, pay your bill, enroll in text message alerts, and manage your propane usage. Frequently asked questions and answers about NPP Faster Payments, setting up a PayID and payment troubleshooting. 1 PayID is the NPP Payment addressing service that enables payers to make NPP Payments to payees using an alternative identifier instead of a BSB and account number. Australia’s real-time payment system has grown significantly since its 2018 launch, when the New Payments Platform (NPP) was focused solely on facilitating retail and peer-to-peer (P2P) payments. SWIFT will build, deliver and support the Network and Switch components and we haveThere are now 107 financial institutions offering NPP payment services for almost 90 million customer accounts. To weed out customers who won’t pay you, you need to establish and enforce credit policies. A PayID is a unique identifier - either your email address* or Australian mobile number* that can be used to receive faster payments to your bank account. NPP, TT Seats, Heritage. Contact us Questions on registering and using your PayID Contact your financial institution. by the NPP rules to accept basic payment initiation messages. Suomi NPP has five sensors onboard, they are: the Advanced Technology Microwave Sounder (ATMS), the Visible/Infrared Imager and Radiometer Suite (VIIRS), the Cross-track Infrared Sounder (CrIS), the Ozone Mapping and Profiler Suite (OMPS) and the Cloud and the Earth’s Radiant Energy System (CERES). AdvertisementNPPs for the creation of a new entity. Research progress and debate on the theory of payment for ecosystem services: Based on the relationship between ecology and society. With a CAGR of about 13% between 2021 and 2025, it is estimated that Australia will outperform the global average. 8% of potential NPP, of which 40% is HANPP (land use), 53% is HANPP (harvest), and 7% is human. Some payments that were previously processed via the Direct Entry (DE) system – particularly some direct credit transfers and certain government payments (including support payments such as COVID-19 relief) – have been migrating to the NPP, contributing to the strong growth in NPP transactions over the past few years (Graph 2. phone number, email address, ABN). 301 Moved Permanently. New construction. Rates are still low, and with a fast loan process, low closing costs, we can determine the financing and payment options that are best for you. Transforming the way, we pay: faster, simpler and smarter payments. It is set to modernise the way bank accounts are used for payments, underpinning innovation in the sector for years to come. Is NPP available on the Mobile Banking App or internet banking? NPP faster payments and PayID are only available on the Heritage Mobile Banking App. The service will use the NPP payment infrastructure for transactions ranging from mobile-to-mobile payments and bill payments to property settlement services. With the digital banking experience you'll have access to: Increased security and fraud protection. in a standardised, consistent and secure way . Mapping of PEPPOL Payment Means to an NPP Payment ID Lvl Attribute Name Cardinality Description Business Rules NPPA Mapping Note: Any references to “VAT“ should be taken to mean “tax” in the Australian and New Zealand context. Improve the experience of your customers and let them pay, any way they choose. Real-time payments with QR codes. Corvette Warehouse Message Us 972-620-8200 2432 Walnut Ridge St. Fight scammers with our help. SWIFT will build, deliver and support the Network and Switch components and we haveThere are now 107 financial institutions offering NPP payment services for almost 90 million customer accounts. Transfer money is accessible under the Transfers menu in Heritage Online. Suomi-NPP Satellite (Image credit: NASA) Summary Mission Capabilities. A report into the incident reveals hundreds of thousands of supposedly real-time payments sent by the public were delayed for four hours up to “more than five days”. It aims to. Epilepsy and women's health. 2/Critical Care by a Single Physician or NPP N 12/30. Making and receiving NPP Payments using PayID. 1. The New Payments Platform. The company. 8 Mandate Payment Initiation Requests and Mandate Payment Processing 17-10 17. Radiometer Suite (VIIRS) 0130, 1330 local time orbits “Early afternoon slot” Credit: NASA. This frees Zepto from the limitations that come with connecting to the underlying payments infrastructure through a 3rd-party, and allows Zepto to innovate. Complete the. • Create and maintain PayIDs to receive NPP faster payments. com. PayID is supported by more than 100 banks and credit unions across Australia; this means more customers can use this PayID option to pay for goods and services. nssnaturekakis@gmail. credit and debit-like messaging) to maximise volume and utility of platform. 9 Duplicates and Errors 17-11 17. 1️⃣ Log in to your casino account. com, faxing 1-602-808. As a wholly owned subsidiary of Australian Payments Plus, NPP Australia is responsible for maintaining and developing the Platform to ensure it evolves to meet the future needs of our industry, consumers and businesses. nginxwritten by an NPP who . 3. NPP Australiawelcomes the opportunity to provide a response to Treasury’s Payments System Review into the payments system regulatory architecture. Receive payments to your email address or Australian mobile. Graph 5. If you are paying to a Heritage Credit Card, Line of Credit, Personal Loan or Home Loan, the Optional Payment Instruction section will appear. 0 × 10 5 km 2. Using payment initiation messages, an authorised third party can initiate a payment on behalf of customers of a financial institution or request payments to be made by. 9 Assignment and Transfer 1-23 1. What is NPP? The New Payments Platform (NPP) is the centralised infrastructure platform that enables faster payments between customers of participating Australian financial. Eddy Dedominicis. To register for MyAmeriGas, all you need is your account number and zip code. nginxAt First Heritage Mortgage, we’re dedicated to making the home buying process easy to understand and transparent, so you can move forward with confidence. SGQR Code Generator. Particular requirements which are fundamental to the integrity, availability, resilience or performance of the NPP may be designated by the Board to be Mandatory Compliance Requirements. nginx301 Moved Permanently. The organisation’s bank must have implemented the NPP payment infrastructure and changed their online banking platform to support the processing of new format payment files. As participating financial institutions and third-party payment providers roll out NPP. Digital wallet payments with Apple Pay, Samsung Pay or Google Pay. The New Payments Platform (NPP) is on track to be available from February and will allow customers to send and receive payments in real-time using mobile numbers, email addresses or ABNs. Login to your Mobile Banking App, go to ‘Manage Cards’ and follow the prompts to cancel your card. 1. Download the Heritage Mobile Banking App from the App store. The NPPA have been busily collaborating with NPP Participants to implement additional functionality on top of the standard NPP payment offering – Consent and Mandate Service (CMS). nginx301 Moved Permanently. 2017, 27, 137. ∙ 3847 Sinclair St, Las Vegas, NV 89121 ∙ $324,999 ∙ MLS# 2543474 ∙ A must see 2 bedroom townhome in the Heritage Square community! Amenities include commun. Other members will have the benefit of changes to our processes, although. You can also login to your MyAmeriGas online account to view your account information or Chat with us. Thanks again for your patience and our apologies for any inconvenience the problem created. AFSL and Australian Credit Licence 244310 . Fast Payment is a CommBiz feature that lets you send money to most Australian financial institutions through the New Payments Platform (NPP). On November 2, 2021, the Centers for Medicare & Medicaid Services (CMS) issued the calendar year (CY) 2022 Medicare Physician Fee Schedule (MPFS) final rule which, among other policy and regulatory changes, finalized regulations codifying CMS requirements for billing for “split (or shared)” evaluation and management (E/M) visits. A nonphysician practitioner (NPP) is a healthcare provider who is not a physician but who practices in collaboration with or under the supervision of a physician. The platform caters for everyone including businesses, governments and customers. Blockchain captures the spotlight in this week’s B2B Payment Rail Innovation roundup, with community banks in the U. 1, 10-01-03) B3-15044 state: For assistant at surgery services performed by physicians, the fee schedule amount equals 16 percent of the amount otherwise applicable for the global surgery. Transmission Automatic. What is NPP? The New Payments Platform (NPP) is the centralised infrastructure platform that enables faster payments between customers of participating Australian financial institutions. Contact the Accounts Receivable License Fee Help Desk: Email: fees. The Platform.