5400 University Avenue. West Des Moines, IA 50266-5950. Visit Website. Email this Business. (515) 225-5400.One-Stop-Shop Service. Whether you need homeowners insurance or a competitive quote, have a policy question, want to save money with discounts or need to file a claim, we’re the only call you need to make. We can offer personalized service and support that algorithms and computer programs just can’t. 1In IA, SD and UT it is called ...Operating under the consumer brand name Farm Bureau Financial Services, its affiliates offer a broad range of life insurance, annuity and investment products distributed by multiline exclusive ...The company was formed in 1939 to write automobile insurance in Iowa. Today, Farm Bureau Property & Casualty Insurance Company and its subsidiary insurance company serve in excess of 360,000 Farm Bureau client/members in eight Midwest and Western states through a network of over 900 exclusive multi-line agents and agency managers, offering a ... Farm Bureau Property & Casualty Insurance Company is an insurance company based in West Des Moines, Iowa. Established in 1939, the company provides property and casualty insurance products to individuals and small businesses in Arizona, Iowa, Kansas, Minnesota, Nebraska, New Mexico, South Dakota, and Utah. It operates as a subsidiary of FBL ... Iowa Farm Bureau. 5400 University Ave. West Des Moines IA 50266. Customer Service ... Farm Bureau Property and Casualty Insurance. Report this profile About Experienced P/C Claims Director with a proven track record of leading highly engaged teams, driving continuous improvement ... Mississippi Farm Bureau Insurance | 914 followers on LinkedIn. Go With The Home Team | Mississippi Farm Bureau Insurance has been providing local agents, adjusters, and support staff, great rates ...By law, any employer in Virginia with more than two employees must carry workers’ compensation insurance. The state requires a minimum amount of employers’ liability. Your Virginia Farm Bureau agent can identify the right coverage amounts for your business. A standard policy includes three types of coverage: On May 25, 2021, Farm Bureau Property & Casualty Insurance Company (“FBPCIC”) announced that it had completed its acquisition of all outstanding shares of FBL Financial Group Class A and Class B common stock that neither FBPCIC nor the Iowa Farm Bureau Federation owned prior to the transaction for $61.00 per share in cash. Operating under the consumer brand name Farm Bureau Financial Services, its affiliates offer a broad range of life insurance, annuity and investment products distributed by multiline exclusive ...United Property and Casualty, a Florida insurance company that is in liquidation, wrote that between 1851 and 2018, 41% of the 292 hurricanes that hit the U.S. in that time frame also hit Florida ...Southern Farm Bureau Casualty Insurance Company. Southern Farm Bureau Casualty Insurance Company is headquartered in Ridgeland, Mississippi. We market insurance products through our six state offices and the independent contractor agents in those states.Farm Bureau Property and Casualty 800-226-6383 Farm Family Casualty Insurance Company 800-948-3276 Farmers 800-435-7764 Farmers Mutual Fire Insurance Company of Salem County (NJ) 800-498-0954 FCCI (first report of injury) 800-226-3224 Federated Mutual Insurance Company 888-333-4949 Federated National Insurance Company 800-293-2532Iowa Farm Bureau. 5400 University Ave. West Des Moines IA 50266. Customer Service ...Meet Steve. Farm Bureau Agent for 18 years. Hi, I'm Steve Bermel. I've been a Farm Bureau agent since 2004. Give me a call today to learn how I can make it easy to protect the things that are most important to you -- your home, family, farm and future. I look forward to showing you how simple insurance can be.WEST DES MOINES, Iowa-- ( BUSINESS WIRE )--Farm Bureau Property & Casualty Insurance Company (“FBPCIC”) today announced that it has completed its transaction with FBL Financial Group,...By law, any employer in Virginia with more than two employees must carry workers’ compensation insurance. The state requires a minimum amount of employers’ liability. Your Virginia Farm Bureau agent can identify the right coverage amounts for your business. A standard policy includes three types of coverage: 5400 University Avenue. West Des Moines, IA 50266-5950. Visit Website. Email this Business. (515) 225-5400. Staying in Touch. As a member/policy holder, Farm Bureau’s mission is to serve you. In times of uncertainty—like now, with Coronavirus—you’re more than just a policyholder, you’re part of our family. To that end, we want to provide options to keep in touch; like conducting your business virtually through your 24/7 online account or ... Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT.Ag Advantage You can qualify for an immediate premium discount when you write your farm or ranch policy with us. Ag + Rewards The more you add, the more you get rewarded. Add auto coverage to your existing ag policy to earn a discount. Add umbrella coverage and you could save even more. 1No. 1 ag insurer across our 8-state territory; 2021 SNL P ...Farm Bureau Insurance Ratings & Coverages. Farm Bureau Financial Services was founded in 1939 as Iowa Farm Mutual Insurance Company to cover farmers with liability insurance. It has expanded to offer multiple insurance lines of coverage.There are multiple companies that make up the Farm Bureau Financial Services brand.About us. Southern Farm Bureau Casualty Insurance Company is a multi-line regional property and casualty insurance company, providing local agents, adjusters, and support staff, great rates, and ... About us. Southern Farm Bureau Casualty Insurance Company is a multi-line regional property and casualty insurance company, providing local agents, adjusters, and support staff, great rates, and ... Securities & services offered through FBL Marketing Services, LLC+, 5400 University Ave., West Des Moines, IA 50266, 877/860-2904, Advisory services offered through FBL Wealth Management, LLC+. Individual must be a registered representative of FBL Marketing Services, LLC or an investment adviser representative with FBL Wealth Management, LLC+ ... Company profile page for Farm Bureau Property & Casualty Insurance Co including stock price, company news, press releases, executives, board members, and contact informationProperty-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT.One-Stop-Shop Service. Whether you need homeowners insurance or a competitive quote, have a policy question, want to save money with discounts or need to file a claim, we’re the only call you need to make. We can offer personalized service and support that algorithms and computer programs just can’t. 1In IA, SD and UT it is called ...Renew your Farm Bureau Membership online today. Join the thousands of people who stay up to date with our latest tips. Download the FB Member Benefits App. Securities & services offered through FBL Marketing Services, LLC+, 5400 University Ave., West Des Moines, IA 50266, 877/860-2904, Individual must be a registered representative of FBL ...Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT. Advisory services offered through FBL Wealth Management, LLC.+ Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural ... Expect insurance tailored for your needs and your budget, plus exclusive discounts at local and national businesses and events. And when you get Farm Bureau insurance coverage, you also become a member of the Virginia Farm Bureau family and part of the mission to support Virginia’s agricultural legacy. It’s insurance that does more for you ... Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT. Our History. We got our start in 1953. That’s when NC Farm Bureau leaders, concerned by a lack of insurance coverage for farmers and rural communities in North Carolina, formed the North Carolina Farm Bureau Mutual Insurance Company. Although our company began with a mission to provide affordable insurance to farmers, our current products and ...Southern Farm Bureau Casualty Insurance Company. Southern Farm Bureau Casualty Insurance Company is headquartered in Ridgeland, Mississippi. We market insurance products through our six state offices and the independent contractor agents in those states.Mississippi Farm Bureau Insurance | 914 followers on LinkedIn. Go With The Home Team | Mississippi Farm Bureau Insurance has been providing local agents, adjusters, and support staff, great rates ...Farm Bureau Insurance Ratings & Coverages. Farm Bureau Financial Services was founded in 1939 as Iowa Farm Mutual Insurance Company to cover farmers with liability insurance. It has expanded to offer multiple insurance lines of coverage.There are multiple companies that make up the Farm Bureau Financial Services brand.Farm Bureau Mutual Holding Company includes two property-casualty underwriting companies: Farm Bureau Property and Casualty Insurance Company and Western Agricultural Insurance Company. Farm Bureau Property & Casualty Insurance Company (FBPCIC) was formerly known as Farm Bureau Mutual Insurance Company (reorganized and renamed in 2010).Mississippi Farm Bureau Casualty Insurance State Office. 6311 Ridgewood Road. Jackson, MS 39211. (601) 957-3200. Meet Steve. Farm Bureau Agent for 18 years. Hi, I'm Steve Bermel. I've been a Farm Bureau agent since 2004. Give me a call today to learn how I can make it easy to protect the things that are most important to you -- your home, family, farm and future. I look forward to showing you how simple insurance can be. Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT. The company was formed in 1939 to write automobile insurance in Iowa. Today, Farm Bureau Property & Casualty Insurance Company and its subsidiary insurance company serve in excess of 360,000 Farm ...Southern Farm Bureau Casualty Insurance Company. Southern Farm Bureau Casualty Insurance Company is headquartered in Ridgeland, Mississippi. We market insurance products through our six state offices and the independent contractor agents in those states. Mississippi Farm Bureau Insurance | 914 followers on LinkedIn. Go With The Home Team | Mississippi Farm Bureau Insurance has been providing local agents, adjusters, and support staff, great rates ...Farm Bureau Life Insurance Company has been named to the Life-Health Ward’s 50 ® list 24 times, most recently in 2023. Farm Bureau Property & Casualty Insurance Company has been recognized on the Property-Casualty Ward’s 50 ® list 9 years in a row, most recently in 2023. Office. 804-290-1000. Virginia Farm Bureau Mutual Insurance Company. 12580 West Creek Parkway. Richmond, VA 23238.Our History. We got our start in 1953. That’s when NC Farm Bureau leaders, concerned by a lack of insurance coverage for farmers and rural communities in North Carolina, formed the North Carolina Farm Bureau Mutual Insurance Company. Although our company began with a mission to provide affordable insurance to farmers, our current products and ...WEST DES MOINES, Iowa-- ( BUSINESS WIRE )--Farm Bureau Property & Casualty Insurance Company (“FBPCIC”) today announced that it has completed its transaction with FBL Financial Group,...Nov 6, 2013 · Farm Bureau Insurance began selling property and casualty policies in Tennessee in 1948. Farming was a more dangerous occupation than it is now, and many insurance companies were unwilling to insure farm structures. So the farmers of Tennessee, working through the Tennessee Farm Bureau, launched their own insurance company. Advisory services offered through FBL Wealth Management, LLC.+ Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural ...Southern Farm Bureau Casualty Insurance Company (SFBCIC) is a multi-line regional property and casualty insurance company established to provide quality service and competitive rates for our policyholders. This is supported today by our conservative leadership’s commitment to solid growth and investment. We are one of the largest property and ...WHEREAS, FBPCIC and WAIC are licensed to provide property and casualty insurance to Farm Bureau members and others in their service areas; and WHEREAS, FBMHC, FBMSSI, FBPCIC and WAIC desire to establish an arrangement with a reputable management firm which will facilitate offering more diversified property and casualty insurance than it can ... Southern Farm Bureau Casualty Insurance Company. Southern Farm Bureau Casualty Insurance Company is headquartered in Ridgeland, Mississippi. We market insurance products through our six state offices and the independent contractor agents in those states. Renew your Farm Bureau Membership online today. Join the thousands of people who stay up to date with our latest tips. Download the FB Member Benefits App. Securities & services offered through FBL Marketing Services, LLC+, 5400 University Ave., West Des Moines, IA 50266, 877/860-2904, Individual must be a registered representative of FBL ...Home Insurance | Farm Bureau Financial Services Home Insurance Home Insurance Home Insurance Whether you own or rent your home, we can help protect it. Our coverages can be customized to fit your unique needs. Worried you have gaps in coverage? Contact a local agent and get answers personalized to you. Find an Agent Request a QuoteProperty-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT. Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT.Here are the companies that make up the Farm Bureau Financial Services brand: Farm Bureau Mutual Holding Company includes two property-casualty underwriting companies: Farm Bureau Property and Casualty Insurance Company and Western Agricultural Insurance Company. Farm Bureau Property & Casualty Insurance Company (FBPCIC) was formerly known as ... If you need immediate assistance, please contact: Customer Service Support: Phone: 866-399-FBFS (3237) Monday - Friday: 8:00 AM - 7:00 PM CST Saturday: 9:00 AM - 1:00 PM CST FBL Financial Group (NYSE: FFG +0.2%) shareholders approve transaction wherein Farm Bureau Property & Casualty Insurance Company (or FBPCIC) will acquire all outstanding shares of FBL Financial ...Southern Farm Bureau Casualty Insurance Company. Southern Farm Bureau Casualty Insurance Company is headquartered in Ridgeland, Mississippi. We market insurance products through our six state offices and the independent contractor agents in those states.By law, any employer in Virginia with more than two employees must carry workers’ compensation insurance. The state requires a minimum amount of employers’ liability. Your Virginia Farm Bureau agent can identify the right coverage amounts for your business. A standard policy includes three types of coverage:Workers’ Compensation Coverage. You do your best to make your business, farm or ranch a safe place for your employees, but accidents can happen in any workplace. Workers' compensation insurance can protect you and your employees from the high cost of unexpected workplace injuries. While coverage requirements vary by state, workers ... Shaw v. Farm Bureau Property & Casualty Insurance Co., No. 21-1481 (8th Cir. 2022) The Eighth Circuit affirmed the district court's grant of summary judgment in favor of plaintiffs in an action brought against their insurance company, seeking payment of the policy limit in full on the claim for the second of two fires that destroyed their house.Workers’ Compensation Coverage. You do your best to make your business, farm or ranch a safe place for your employees, but accidents can happen in any workplace. Workers' compensation insurance can protect you and your employees from the high cost of unexpected workplace injuries. While coverage requirements vary by state, workers ...One-Stop-Shop Service. Whether you need homeowners insurance or a competitive quote, have a policy question, want to save money with discounts or need to file a claim, we’re the only call you need to make. We can offer personalized service and support that algorithms and computer programs just can’t. 1In IA, SD and UT it is called ...Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT.The company was formed in 1939 to write automobile insurance in Iowa. Today, Farm Bureau Property & Casualty Insurance Company and its subsidiary insurance company serve in excess of 360,000 Farm Bureau client/members in eight Midwest and Western states through a network of over 900 exclusive multi-line agents and agency managers, offering a ... Aug 24, 2022 · Staying in Touch. As a member/policy holder, Farm Bureau’s mission is to serve you. In times of uncertainty—like now, with Coronavirus—you’re more than just a policyholder, you’re part of our family. To that end, we want to provide options to keep in touch; like conducting your business virtually through your 24/7 online account or ... Foremost Choice ® Property & Casualty: Foremost Insurance Company- Grand Rapids, Michigan, Foremost Property and Casualty Insurance Company, Foremost Signature Insurance Company, Foremost County Mutual Insurance Company and Foremost Lloyds of Texas comprise the Foremost Insurance Group. Home office, Caledonia, MI.FBL Financial Group (NYSE: FFG +0.2%) shareholders approve transaction wherein Farm Bureau Property & Casualty Insurance Company (or FBPCIC) will acquire all outstanding shares of FBL Financial ...Mississippi Farm Bureau Casualty Insurance State Office. 6311 Ridgewood Road. Jackson, MS 39211. (601) 957-3200.If you need immediate assistance, please contact: Customer Service Support: Phone: 866-399-FBFS (3237) Monday - Friday: 8:00 AM - 7:00 PM CST Saturday: 9:00 AM - 1:00 PM CST 118 Farm Bureau Property & Casualty Insurance Company jobs available on Indeed.com. Apply to Claims Representative, Customer Service Representative, Commercial Sales Executive and more! The company was formed in 1939 to write automobile insurance in Iowa. Today, Farm Bureau Property & Casualty Insurance Company and its subsidiary insurance company serve in excess of 360,000 Farm Bureau client/members in eight Midwest and Western states through a network of over 900 exclusive multi-line agents and agency managers, offering a ... WEST DES MOINES, Iowa-- ( BUSINESS WIRE )--Farm Bureau Property & Casualty Insurance Company (“FBPCIC”) today announced that it has completed its transaction with FBL Financial Group,...Southern Farm Bureau Casualty Insurance Company is an equal opportunity employer and maintains a policy of non-discrimination with employees and applicants for employment. The Company will not discriminate on the basis of race, color, religion, sex, age, national origin, disability, marital status or any basis prohibited by State or Federal ...Virginia Farm Bureau Mutual Insurance Company ® was founded to protect the lives and livelihoods of Virginia's farmers. But today, we continue to offer the same reliable coverage to all Virginians. 2018-2022 Winner. Find your local agent. Like on Facebook Follow on TwitterFBL Financial Group (NYSE: FFG +0.2%) shareholders approve transaction wherein Farm Bureau Property & Casualty Insurance Company (or FBPCIC) will acquire all outstanding shares of FBL Financial ...The BusinessMax Advantage ®. Farm Bureau BusinessMax business insurance is designed to help protect your business from potential losses – and keep it running smoothly, should the unexpected occur. Designed as a packaged policy that provides both property and liability coverage, our BusinessMax policies are tailored to your specific business ... Farm Bureau Mutual Holding Company includes two property-casualty underwriting companies: Farm Bureau Property and Casualty Insurance Company and Western Agricultural Insurance Company. Farm Bureau Property & Casualty Insurance Company (FBPCIC) was formerly known as Farm Bureau Mutual Insurance Company (reorganized and renamed in 2010).Aug 24, 2022 · Staying in Touch. As a member/policy holder, Farm Bureau’s mission is to serve you. In times of uncertainty—like now, with Coronavirus—you’re more than just a policyholder, you’re part of our family. To that end, we want to provide options to keep in touch; like conducting your business virtually through your 24/7 online account or ... For over 70 years, the Farm Bureau Companies have been dedicated to excellent customer service, quality, competitive products and fast friendly claims service in Mississippi. Rated A-Excellent by A.M. Best and having stood the test of time, Farm Bureau offers the strength, security and peace of mind our customers want from their insurance ...Workers’ Compensation Coverage. You do your best to make your business, farm or ranch a safe place for your employees, but accidents can happen in any workplace. Workers' compensation insurance can protect you and your employees from the high cost of unexpected workplace injuries. While coverage requirements vary by state, workers ... Southern Farm Bureau Casualty Insurance Company. Southern Farm Bureau Casualty Insurance Company is headquartered in Ridgeland, Mississippi. We market insurance products through our six state offices and the independent contractor agents in those states.Our History. We got our start in 1953. That’s when NC Farm Bureau leaders, concerned by a lack of insurance coverage for farmers and rural communities in North Carolina, formed the North Carolina Farm Bureau Mutual Insurance Company. Although our company began with a mission to provide affordable insurance to farmers, our current products and ... Annuities and Life Insurance Policies. Annuities: PO BOX 9168. Des Moines IA 50306-9168. Life: PO BOX 6565. Carol Stream IL 60197-6565. Property, Auto, Home and Business Policies. Farm Bureau Property & Casualty Insurance Company. PO Box 6460. Carol Stream, IL 60197-6460 Ag Advantage You can qualify for an immediate premium discount when you write your farm or ranch policy with us. Ag + Rewards The more you add, the more you get rewarded. Add auto coverage to your existing ag policy to earn a discount. Add umbrella coverage and you could save even more. 1No. 1 ag insurer across our 8-state territory; 2021 SNL P ...Each of following insurers who transact business in California are domiciled in California and have their principal place of business in Los Angeles, CA: Farmers Insurance Exchange (#R 201), Fire Insurance Exchange (#1267-4), Truck Insurance Exchange (#1199-9), Mid-Century Insurance Company (#1428-2). Farm Bureau Financial Services offers three convenient options for reporting an auto claim for customers with policies issued from our coverage area (Arizona, Iowa, Kansas, Minnesota, Nebraska, New Mexico, South Dakota and Utah): Report a claim online. Contact your agent. Call our 24-hour Claims Center toll-free at 1-800-226-6383.
May 25, 2021 · The company was formed in 1939 to write automobile insurance in Iowa. Today, Farm Bureau Property & Casualty Insurance Company and its subsidiary insurance company serve in excess of 360,000 Farm ... . Used cars for sale in pa under dollar3000
By law, any employer in Virginia with more than two employees must carry workers’ compensation insurance. The state requires a minimum amount of employers’ liability. Your Virginia Farm Bureau agent can identify the right coverage amounts for your business. A standard policy includes three types of coverage:Each of following insurers who transact business in California are domiciled in California and have their principal place of business in Los Angeles, CA: Farmers Insurance Exchange (#R 201), Fire Insurance Exchange (#1267-4), Truck Insurance Exchange (#1199-9), Mid-Century Insurance Company (#1428-2).Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT. Iowa Farm Bureau. 5400 University Ave. West Des Moines IA 50266. Customer Service ...Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT.Homeowners Insurance; Renters Insurance Your Way; Protect Your Condo; Mobile Home Insurance; Other Property; Umbrella Coverage; Homeowners Insurance Discounts; Residential Equipment Insurance; Identity Theft Protection The company was formed in 1939 to write automobile insurance in Iowa. Today, Farm Bureau Property & Casualty Insurance Company and its subsidiary insurance company serve in excess of 360,000 Farm Bureau client/members in eight Midwest and Western states through a network of over 900 exclusive multi-line agents and agency managers, offering a ...Staying in Touch. As a member/policy holder, Farm Bureau’s mission is to serve you. In times of uncertainty—like now, with Coronavirus—you’re more than just a policyholder, you’re part of our family. To that end, we want to provide options to keep in touch; like conducting your business virtually through your 24/7 online account or ... For over 70 years, the Farm Bureau Companies have been dedicated to excellent customer service, quality, competitive products and fast friendly claims service in Mississippi. Rated A-Excellent by A.M. Best and having stood the test of time, Farm Bureau offers the strength, security and peace of mind our customers want from their insurance ... Jul 12, 2023 · United Property and Casualty, a Florida insurance company that is in liquidation, wrote that between 1851 and 2018, 41% of the 292 hurricanes that hit the U.S. in that time frame also hit Florida ... Here are the companies that make up the Farm Bureau Financial Services brand: Farm Bureau Mutual Holding Company includes two property-casualty underwriting companies: Farm Bureau Property and Casualty Insurance Company and Western Agricultural Insurance Company. Farm Bureau Property & Casualty Insurance Company (FBPCIC) was formerly known as ... Chairman, shall be employees of FBL or Farm Bureau Management Corporation (pursuant to its Services Agreement with FBL), and compensated by FBL or Farm Bureau Management Corporation; however, the Companies retain the right to request in writing the removal of any FBL personnel from an officer position, and FBL shall, without delay, remove the person and shall nominate, as soon as possible ...Each of following insurers who transact business in California are domiciled in California and have their principal place of business in Los Angeles, CA: Farmers Insurance Exchange (#R 201), Fire Insurance Exchange (#1267-4), Truck Insurance Exchange (#1199-9), Mid-Century Insurance Company (#1428-2)..