7.250. 7.324. 360. $6.82. Mortgage rates shown here are the lowest rates available. Borrower must qualify for Cloverbelt Credit Union membership, and all loan applications are subject to credit approval. Your rate may vary and is based on the property type, loan type, term, your credit score, the loan-to-value ratio, and other variables. Feb 6, 2023 · 2024 Cloverbelt Conference East Baseball Standings: Columbus Catholic, Loyal, Neillsville/Granton Tied... April 22, 2024. Clark County Sheriff’s Office Releases Sex Offender Information on Vincent Gomez. April 22, 2024. Spongy Moth Aerial Spraying to Begin in May. April 22, 2024.Final Cloverbelt Conference Girls BB Standings/Crossover Playoff Matchups. Wednesday, February 16th, 2022 -- 9:31 AM . Here are the final 2021-22 standings for Cloverbelt Conference Girls Basketball and the Cross-over Playoff matchups this Thursday and Saturday.... Cloverbelt - East - 2021-22 Regular Season (final) Please contact an insurance agency or company of your choice and purchase the appropriate coverage – full coverage auto insurance, including comprehensive and collision; Homeowner’s Insurance or Flood insurance, and list Cloverbelt Credit Union as the lienholder or mortgagee. We recommend our insurance partner TruStage Insurance. Feb 20, 2024 · Emily Cooper of McDonell Central Catholic and Paris Opelt of Neillsville have been named the Cloverbelt Conference girls’ basketball Players of the Year for the … Please contact an insurance agency or company of your choice and purchase the appropriate coverage – full coverage auto insurance, including comprehensive and collision; Homeowner’s Insurance or Flood insurance, and list Cloverbelt Credit Union as the lienholder or mortgagee. We recommend our insurance partner TruStage Insurance. Oct 7, 2021 · ATV rates by brand. The easiest way to compare the cost of an ATV loan is to look at the APR, which is the interest and fees expressed as a percentage. Here’s how some of the top brands compare in June 2019: Brand. APR. Yamaha. 15.99% – 23.99% plus offer. more info button.This website is an unofficial and independently operated source of news and information and is not directly affiliated with any school or team.Cloverbelt – East Softball TEAM W L FOR AGAINST STRK OVERALL Neillsville 7 1 111 27 W5 12-3-0 Greenwood/Loyal 6 0 80 21 W6 9-6-0 Gilman 5Feb 4, 2023 · Bloomer/Colfax earned a pair of Cloverbelt individual champions as Theo Hovde and Ethan Rubenzer secured titles with unbeaten efforts. Hovde (32-10) took the top spot at 120 with a major decision ... Cloverbelt – East Softball TEAM W L FOR AGAINST STRK OVERALL Neillsville 7 1 111 27 W5 12-3-0 Greenwood/Loyal 6 0 80 21 W6 9-6-0 Gilman 5Feb 4, 2023 · Bloomer/Colfax earned a pair of Cloverbelt individual champions as Theo Hovde and Ethan Rubenzer secured titles with unbeaten efforts. Hovde (32-10) took the top spot at 120 with a major decision ... Pay-By-Mail – Send your payment to MasterCard, PO Box 672051, Dallas TX 75267-2051. Pay-By-Phone – Call 1-800-442-4757 and have the payment withdrawn from your checking account at any financial institution. Online – Log onto www.eZCardInfo.com and transfer a payment using this secure website. CLOVERBELT CREDIT UNION - Routing Numbers What is a routing number? Your bank routing number is a 9-digit code used to identify a financial institution in a transaction. It's based on the location of the bank where your account was opened. It is also referred to as an RTN, a routing transit number or an ABA routing number and can be easily be ...Cloverbelt Credit Union Contact Information. Branch address, phone number, and hours of operation for Cloverbelt Credit Union at South 24th Avenue, Wausau WI. Name … Terms up to 180 months. No prepayment penalty or application fee. Apply for a Recreational Vehicle loan now. Or talk to one of our friendly lenders! Darak Hutchinson- NMLS#870465. Phone: (715) 842-6319. [email protected]. Jenny Strehlow- NMLS#870466. Phone: (715) 842-6340. © 2024 Cloverbelt Credit Union • (715) 842-5693 • Privacy policy • Federally Insured by NCUA • Equal Housing Opportunity [email protected]. Kimberly Hartleben - NMLS#2122542. Phone: (715) 842-6349. [email protected]. NMLS Institution ID #456101. If you currently have a Platinum HELOC MasterCard at CCU, you can get online access here eZCardInfo.com. Using the equity in your home for other expenses. Neillsville-Greenwood-Loyal had a strong team at the 2022 Cloverbelt Conference wrestling tournament held on Feb. 5 in Cadott. The host Hornets had a better one. NGL claimed championships in three weight classes, just one fewer than Cadott, but the Hornets had more depth in claiming the conference crown with 232 points. NGL …A group to share local food & co-op distribution matters specific to your area.Choose Wisconsin's leader in concrete. Buesser Concrete has experience in virtually every type of concrete project imaginable, from commercial office buildings to heavy industrial plants. Whether you're building one of Wisconsin's premier healthcare facilities or a parking structure, Buesser Concrete has the expertise and customer service you expect from a …The fall high school sports season is reaching its climax, with key matchups and events taking place this week. In volleyball, the Cornell Chiefs look to secure an outright league championship with a win against Flambeau, while the Cloverbelt Crossover features a showdown between highly ranked teams McDonell and Marshfield Columbus.Wisconsin's #1 source for high school sports informationCloverbelt. Tournament Eligible Yes. Division 2. Team Enrollment 320. Scheduled Contests (C) next to the Date/Time denotes the matchup is a conference contest. Date Date Home Away Location Result ContestID ContestType; Follow us! For questions please contact the WIAA Office at 715.344.8580 or by email: [email protected] fall high school sports season is reaching its climax, with key matchups and events taking place this week. In volleyball, the Cornell Chiefs look to secure an outright league championship with a win against Flambeau, while the Cloverbelt Crossover features a showdown between highly ranked teams McDonell and Marshfield Columbus.At Cloverbelt CU, discover a diverse range of financial services tailored to meet your personal and business needs. Cloverbelt provides effective solutions to help you …1 day ago · Cloverbelt Credit Union corporate office is located in 110 Mcindoe St, Wausau, Wisconsin, 54403, United States and has 44 employees. cloverbelt credit union. cloverbelt mortgage center. cloverbelt. cloverbelt credit union - 4. cloverbelt credit union more. d+ h. Cloverbelt Credit Union Global Presence.Sep. 21—The McDonell volleyball team edged Stanley-Boyd 3-1 on Tuesday in Chippewa Falls in a key match early in the Western Cloverbelt Conference season. The Macks are ranked No. 4 in Division 4 in this week's Wisconsin Volleyball Coaches Association state poll, while the Orioles are No. 10 in Division 3. After Stanley-Boyd won the first set 25 …Oct 7, 2021 · ATV rates by brand. The easiest way to compare the cost of an ATV loan is to look at the APR, which is the interest and fees expressed as a percentage. Here’s how some of the top brands compare in June 2019: Brand. APR. Yamaha. 15.99% – 23.99% plus offer. more info button.Free, ongoing credit score, report, and monitoring. Get Credit Sense. Explore free resources for veterans. in both English and Spanish. Learn More. Join us for a complimentary seminar April 24 at 6:00 PM. about Legal Documents and More! Register Now. Begin the journey of a lifelong financial partnership with Cobalt Credit Union today. Cloverbelt Standings. Cloverbelt All-Conference 2022. Football News. Information, schedule, and attendee list for 2024 WFCA Combine; 04/18/2024, 2:15pm CDT , By ... Cloverbelt - East: Columbus Catholic (Katrina Egle), 7-0: Cloverbelt - West: Bloomer (Heather Henry), McDonell Central (Kat Hanson), & Stanley-Boyd (Karley Wiensch), 6-1: Coulee: Westby (Arena Kvamme), 12-0: Dairyland: Eau Claire Immanuel Lutheran (Joe Lau), 10-0: Dunn - St. Croix: Plum City/Elmwood (Amanda Webb), 7-0:Sep 18, 2020 · When the Cloverbelt had nine teams, one team per week had a nonconference game to fill, a task that was tougher to find later in the year when most leagues are playing conference games. Stanley ...Oct 7, 2021 · ATV rates by brand. The easiest way to compare the cost of an ATV loan is to look at the APR, which is the interest and fees expressed as a percentage. Here’s how some of the top brands compare in June 2019: Brand. APR. Yamaha. 15.99% – 23.99% plus offer. more info button. Determining which loan provides you with the best value involves more than simply comparing monthly payments. Use this calculator to sort through the monthly payments, fees and other costs associated with getting a new loan. By comparing these important variables side by side, this calculator can help you pick the loan that works best for you. Cloverbelt Country Farmers Market, Dryden, Ontario. 2,128 likes · 33 were here. Locally produced vegetables, meat, preserves, baking, handcrafts & more. Saver's Sweepstakes Account Agreement. Cloverbelt Credit Union wants to help you save and win! Introducing Saver’s Sweepstakes® – a prize-linked savings account that gives you a chance to win $100, $1,000, or even $5,000! We understand that saving money is a challenge. It can be hard to get started and even harder to keep the habit going. Cloverbelt Credit Union was chartered on Jan. 2, 1936. Headquartered in Wausau, WI, it has assets in the amount of $194,082,456. Its 17,188 members are served from 4 locations. Deposits in Cloverbelt Credit Union are insured by NCUA.Posted Wednesday, January 25, 2023 12:00 am. All Concert at Gilman brings Cloverbelt musicians together Saturday Jan. 21. It took a full day of rehearsals, but it was worth it when doors opened at Gilman Saturday for All Concert. “Always a fantastic day, we were well represented,” Stanley-Boyd band director Devon Wenndt shared of the ...Milwaukee April 22, 2024. The Spectrum News 1 Scholar Athlete Program recognizes exceptional high school student athletes with academic scholarship awards of $1,000 each for use towards college expenses. Nominees must be high school seniors on at least one varsity team with plans to attend a university in the 2023-24 school year in order to be ...Established in 1988, the Cloverbelt Country Farmers Market (CCFM) strives to provide their local communities access to sustainably produced, local produce, meat, preserves, baking and all kinds of local goodies. Community focused, CCFM has a wide range of vendors from all age groups and walks of life. These dedicated vendors take the time to ...Cloverbelt Country Farmers Market, Dryden, Ontario. 2,128 likes · 33 were here. Locally produced vegetables, meat, preserves, baking, handcrafts & more.Zaleski Sports West. 807 likes · 28 talking about this. TV showDarak Hutchinson is a Vice President, Consumer Loan Department & Manager at Cloverbelt Credit Union based in Wausau, Wisconsin. Darak Hutchinson Current Workplace . Cloverbelt Credit Union. 2016-present (8 years) Cloverbelt Credit Union is a member-owned financial cooperative providing banking services. It offers savings … Determining which loan provides you with the best value involves more than simply comparing monthly payments. Use this calculator to sort through the monthly payments, fees and other costs associated with getting a new loan. By comparing these important variables side by side, this calculator can help you pick the loan that works best for you. Cloverdale Equipment offers feed handling, cow comfort, manure handling, tillage, attachments, inventory, food plots, TMR mixers, Skids steer, and engines.Oct 7, 2021 · ATV rates by brand. The easiest way to compare the cost of an ATV loan is to look at the APR, which is the interest and fees expressed as a percentage. Here’s how some of the top brands compare in June 2019: Brand. APR. Yamaha. 15.99% – 23.99% plus offer. more info button.Feb 6, 2023 · 2024 Cloverbelt Conference East Baseball Standings: Columbus Catholic, Loyal, Neillsville/Granton Tied... April 22, 2024. Clark County Sheriff’s Office Releases Sex Offender Information on Vincent Gomez. April 22, 2024. Spongy Moth Aerial Spraying to Begin in May. April 22, 2024.This website is an unofficial and independently operated source of news and information and is not directly affiliated with any school or team.Cloverbelt Credit Union stewards over $314.88 Million in assets and proudly serves over 17,000 loyal members. With over 50 dedicated individuals as of April 2024, Cloverbelt is committed to providing exceptional financial services to its members and the community. Access reviews, hours, contact details, financials, and additional member ...EIN and ITIN are also accepted. Member Number. EmailChoose Wisconsin's leader in concrete. Buesser Concrete has experience in virtually every type of concrete project imaginable, from commercial office buildings to heavy industrial plants. Whether you're building one of Wisconsin's premier healthcare facilities or a parking structure, Buesser Concrete has the expertise and customer service you expect from a …GILMAN – Spencer won nine events, four by senior Hannah Zastrow, and had five runner-up finishes at the 2019 Eastern Cloverbelt Conference Track Championships on Tuesday at Gilman High School. Behind two triple-winners in Skylar Ruggles and Mason Malm, Loyal won the boys team title with 166 points, just three …Regular Savings. Our basic savings plan. $5.00 required to open and $75 minimum balance required to earn dividends; $1.00 minimum balance for members age 18 and younger. Also available for businesses and non-profit …Wisconsin's #1 source for high school sports informationWednesday, February 14th, 2024 -- 9:17 AM. Cloverbelt Girls Basketball Crossover Playoff Pairings. Thursday, February 15 - 7:15 PM. 3rd Place Greenwood @ Regis. 4th Place Columbus Catholic @ Osseo-Fairchild. 5th Place Loyal @ Bloomer. 6th Place Gilman @ Cadott. 7th Place Spencer @ Stanley-Boyd. 8th Place Colby @ Thorp.Experience: CLOVERBELT CREDIT UNION · Education: Northcentral Technical College · Location: Schofield · 148 connections on LinkedIn. View Christopher Anklam’s profile on LinkedIn, a ... Please contact an insurance agency or company of your choice and purchase the appropriate coverage – full coverage auto insurance, including comprehensive and collision; Homeowner’s Insurance or Flood insurance, and list Cloverbelt Credit Union as the lienholder or mortgagee. We recommend our insurance partner TruStage Insurance. Watch as the Spencer Rockets take on the Greenwood Indians in a huge Cloverbelt - East Conference boys showdown on Tuesday night.Tip-off is set for 7:15pm.Family owned, operated and providing professional and complete garage door services since 1999, Flambeau Door Company offers residential, commercial. Page · Construction Company. Ladysmith, WI, United States, Wisconsin. (715) 532-3671.SPENCER – Spencer/Columbus had a conference-best four individual champions and finished fourth in the team standings at the 2019 Cloverbelt Conference Wrestling Tournament on Saturday at Spencer High School.Cloverbelt Credit Union Contact Information. Branch address, phone number, and hours of operation for Cloverbelt Credit Union at South 24th Avenue, Wausau WI. Name …Neillsville-Greenwood-Loyal had a strong team at the 2022 Cloverbelt Conference wrestling tournament held on Feb. 5 in Cadott. The host Hornets had a better one. NGL claimed championships in three weight classes, just one fewer than Cadott, but the Hornets had more depth in claiming the conference crown with 232 points. NGL …© 2024 Cloverbelt Credit Union • (715) 842-5693 • Privacy policy • Federally Insured by NCUA • Equal Housing OpportunityRates shown here are the lowest rates available. Borrower must qualify for Cloverbelt Credit Union membership, and all loan applications are subject to credit approval. Your rate …Feb 20, 2024 · Emily Cooper of McDonell Central Catholic and Paris Opelt of Neillsville have been named the Cloverbelt Conference girls’ basketball Players of the Year for the … Annual Percentage Rate (APR) A standard calculation used by lenders. It is designed to help borrowers compare different loan options. For example, a loan with a lower stated interest rate may be a bad value if its fees are too high. Likewise, a loan with a higher stated rate with very low fees could be an exceptional value. Curtiss, Wisconsin | P: 715.223.3361 | F: 715.223.2954 Home; Feed Handling; Cow Comfort; Manure Handling; Tillage; Attachments; Hunting/Food Plots © 2024 Cloverbelt Credit Union • (715) 842-5693 • Privacy policy • Federally Insured by NCUA • Equal Housing Opportunity At Cloverbelt CU, discover a diverse range of financial services tailored to meet your personal and business needs. Cloverbelt provides effective solutions to help you …May 16, 2023 · Cloverbelt Conference Boys Golf Meet 5-11-23 McDonell/Eau Claire Regis' Ben Biskupski tees off on the sixth hole on Thursday at Eau Claire Golf and Country Club in Altoona. BRANDON BERG, Chippewa ...Cloverbelt Credit Union checking accounts, also referred to as Share Draft Accounts, provide convenient access to your funds through debit cards, physical checks, and ATMs. Contact the credit union at (715) 842-5693. Checking Accounts (Share Draft) - Manage your daily finances with convenient checking accounts.Neillsville-Greenwood-Loyal had a strong team at the 2022 Cloverbelt Conference wrestling tournament held on Feb. 5 in Cadott. The host Hornets had a better one. NGL claimed championships in three weight classes, just one fewer than Cadott, but the Hornets had more depth in claiming the conference crown with 232 points. NGL … Terms up to 180 months. No prepayment penalty or application fee. Apply for a Recreational Vehicle loan now. Or talk to one of our friendly lenders! Darak Hutchinson- NMLS#870465. Phone: (715) 842-6319. [email protected]. Jenny Strehlow- NMLS#870466. Phone: (715) 842-6340. With heavy rain in the Chippewa Valley the day before and a brand new course to inspect, the Blackhawks arrived at the Cloverbelt Conference Cross Country Championships not knowing what to expect. Despite the unknown, both Bloomer teams stuck to what they know best—sticking to a routine, paying attention to the little things, … Cloverbelt CU Branch Location at 625 S 24th Ave, Wausau, WI 54401 - Hours of Operation, Phone Number, Services, Routing Numbers, Address, Directions and Reviews. Jan 29, 2023 · CLOVERBELT CREDIT UNION | 116 followers on LinkedIn. MEMBERS ARE OUR MOST IMPORTANT ASSET! | CLOVERBELT CREDIT UNION is a banking company based out of PO Box 659, Wausau, Wisconsin, United States. Money Market Savings. Earn a higher dividend rate for maintaining a higher balance. This is a tiered account that requires a $2,000 minimum balance to earn dividends and avoid a $6.00 monthly service charge. Also available for businesses and non-profit organizations. Type. Dividend Rate. Saver's Sweepstakes Account Agreement. Cloverbelt Credit Union wants to help you save and win! Introducing Saver’s Sweepstakes® – a prize-linked savings account that gives you a chance to win $100, $1,000, or even $5,000! We understand that saving money is a challenge. It can be hard to get started and even harder to keep the habit going. Cloverbelt - West Cloverbelt - West. Regular Season 2023-24. 2023-24 x Regular Season . Home; Game Schedule; Player Stats; Team Stats; Standings; Cloverbelt - West Standings. 2023-24 All-Cloverbelt West. Name High School Grade; FIRST TEAM: Dom Schwarzenberger: Bloomer: 12: Bo Vollrath: Fall Creek: 12: Isaac Steinke: Fall Creek ...Find company research, competitor information, contact details & financial data for Clover Belt Lumber & Feed Company, Inc. of Conrath, WI. Get the latest business insights from Dun & Bradstreet.A group to share local food & co-op distribution matters specific to your area. MoneyPass ATM Locator. Example: Enter an address, zip code, or city and state to begin your search. Refine your search. Locations of MoneyPass ATMs in the area. Watch as the Spencer Rockets take on the Greenwood Indians in a huge Cloverbelt - East Conference boys showdown on Tuesday night.Tip-off is set for 7:15pm.HS Boys Golf: 2022 Dairyland-Cloverbelt Conference Invitational (Lake Wissota GC-Chippewa Falls)Discover the School District of Neillsville, a public school system in Wisconsin that offers quality education and extracurricular activities.Project Overview. This case study examines the Cloverbelt Local Food Co-op (CLFC)—a non-profit local food initiative based in Dryden, Ontario—and how it increases social capital, prosperity, and resilience in the Northwestern Ontario (NWO) region. CLFC operates primarily as an online food co-op where members can buy and sell local products ...CLOVERBELT CREDIT UNION - Routing Numbers What is a routing number? Your bank routing number is a 9-digit code used to identify a financial institution in a transaction. It's based on the location of the bank where your account was opened. It is also referred to as an RTN, a routing transit number or an ABA routing number and can be easily be ...Cloverbelt - East Cloverbelt - East. Regular Season 2021-22. 2021-22 x Regular Season. Home; Game Schedule; Player Stats; Team Stats; Standings; Cloverbelt - East Standings. 2021-22 Cloverbelt East All-Conference . NAME YEAR SCHOOL; FIRST TEAM: Jenna Kibbel: Jr. Columbus Catholic : Tatum Weir: Jr. Gilman: Emma Moseley (POY) ... To report suspected fraud on your MasterCard debit card, please call 1- 833-462-0798. To report a lost or stolen Visa credit card, please call 1-800-558-3424. To report a lost or stolen Home Equity Line of Credit MasterCard, please call 1833-541-0777. For after hours help with your Verified by Visa sign-on, call 1-800-807-2979. Cloverbelt - East Cloverbelt - East. Regular Season 2022. 2022 x Regular Season. Home; Game Schedule; Player Stats; Team Stats; Standings; Cloverbelt - East Standings. 2022 Cloverbelt-East All-Conference. NAME SCHOOL YEAR; FIRST TEAM: Tatum Bargender: Colby/Abbotsford: Frosh: Hailey Zimmerman: Columbus Catholic: Junior ... [email protected]. Kimberly Hartleben - NMLS#2122542. Phone: (715) 842-6349. [email protected]. NMLS Institution ID #456101. If you currently have a Platinum HELOC MasterCard at CCU, you can get online access here eZCardInfo.com. Using the equity in your home for other expenses.
Cloverbelt Credit Union stewards over $314.88 Million in assets and proudly serves over 17,000 loyal members. With over 50 dedicated individuals as of April 2024, Cloverbelt is committed to providing exceptional financial services to its members and the community. Access reviews, hours, contact details, financials, and additional member .... Seattle to hyderabad
Find your one-stop shop for all of your commercial and agricultural construction with Cloverbelt Construction. Free estimate. Waterproofing. Call 715-289-4098. Get your free cryptocurrency now as part of this special offer. The only debit + credit card that matches your political donations. Click here to see now! Cloverbelt Credit Union Branch Location at 813 N 2nd St, Wausau, WI 54403 - Hours of Operation, Phone Number, Services, Routing Numbers, Address, Directions and Reviews. MoneyPass ATM Locator. Example: Enter an address, zip code, or city and state to begin your search. Refine your search. Locations of MoneyPass ATMs in the area. It comprises seven teams from Marathon, Taylor, Lincoln, Oneida, Langlade and Vilas counties in Northern Wisconsin. The Conference was formed in 2008 with former Lumberjack members Lakeland, Medford, Northland Pines and Tomahawk, Cloverbelt member Mosinee, and Wisconsin Valley's Antigo and Merrill. Cloverbelt Credit Union stewards over $314.88 Million in assets and proudly serves over 17,000 loyal members. With over 50 dedicated individuals as of April 2024, Cloverbelt is committed to providing exceptional financial services to its members and the community. Cloverbelt Credit Union. CU-ONLINE. Username. Forgot Password (Opens in a new Window) | Enroll (Opens in a new Window) Menu Toggle navigation. Enter search terms ... Cloverbelt – East – 2023-24 Regular Season TEAM W L STRK L10 OVERALL Neillsville 14 0 W14 10-0-0 20-3-0 Greenwood 10 4 W2 7-3-0 16-7-0 OwSep 28, 2023 · Next, we take a look at the Cloverbelt Conference. Playoff Qualified None. Playoff-eligible and can clinch a playoff spot with one more win. Neillsville-Granton (4-2, 3-1 Cloverbelt) vs Osseo-Fairchild, @Regis, vs Elk Mound Neillsville-Granton is looking to punch its first ticket to the playoffs in over a decade. They host winless Osseo ...Experience: CLOVERBELT CREDIT UNION · Education: Northcentral Technical College · Location: Schofield · 148 connections on LinkedIn. View Christopher Anklam’s profile on LinkedIn, a ...We provide grants and sponsorships to organizations that are inclusive or marginalized people, environmentally sustainable and community-minded.Jun 26, 2023 · All-Cloverbelt Conference East Baseball Team. First Team Name School Year Emmitt Konieczny Columbus Catholic 11 Blake Jakobi Columbus Catholic 11 Cy Becker Columbus Catholic 11 Grady Kroeplin Gilman 12 Jace Pekol Neillsville 11 Reese McDonald Neillsville 11 Bryce Erickson Neillsville 11 Carter Klabon Owen-Withee 12 …Watch as the Spencer Rockets take on the Greenwood Indians in a huge Cloverbelt - East Conference boys showdown on Tuesday night.Tip-off is set for 7:15pm.Regular Savings. Our basic savings plan. $5.00 required to open and $75 minimum balance required to earn dividends; $1.00 minimum balance for members age 18 and younger. Also available for businesses and non-profit ….