Search found 638 matches

by talzara
Sat Dec 15, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 187
Views: 13348

Re: Obamacare (ACA) Ruled Illegal by Texas Federal Court

I don't see how this ruling would strike down the NJ law. People can buy health insurance outside of the marketplace. The part of the law that’s in question at the moment is that insurance companies are required to sell insurance to everyone for the same basic price, regardless of preexisting condi...
by talzara
Fri Dec 14, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner Insurance Deductible Amount?
Replies: 19
Views: 1174

Re: Homeowner Insurance Deductible Amount?

We do have "high value" homeowner's coverage (similar to, but probably not quite equal to, Chubb), so maybe that might account for the coverage? That's probably the reason. High-value policies are more generous with coverage, and they're also less likely to drop you after a claim. If it makes sense...
by talzara
Fri Dec 14, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Homeowner Insurance Deductible Amount?
Replies: 19
Views: 1174

Re: Homeowner Insurance Deductible Amount?

We called insurer, explained what happened, they arranged to send out an adjuster in the near future (and as described, this was changed to earlier, "the day the new furnace was installed"), and also suddenly to two adjusters appearing. Actually, as we typically would do, we called the claims dept ...
by talzara
Thu Dec 13, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Reporting for Brokered CDs
Replies: 15
Views: 743

Re: Tax Reporting for Brokered CDs

Thanks for the info on market discounts. If instead of a market discount, I pay a market premium, say 105. How is that handled? You can elect to amortize bond premium. It's in Publication 550: Report the bond's interest on Schedule B (Form 1040A or 1040), line 1. Under your last entry on line 1, pu...
by talzara
Thu Dec 13, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Reporting for Brokered CDs
Replies: 15
Views: 743

Re: Tax Reporting for Brokered CDs

My thought is to just work off whatever 1099 forms you receive. I think there is an entry for Original Issue Discount on the 1099-INT that would (might?) apply here. The OP purchased a secondary CD, so it would be a Market Discount. Original Issue Discount is only for the original issue, not for th...
by talzara
Thu Dec 13, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Reporting for Brokered CDs
Replies: 15
Views: 743

Re: Tax Reporting for Brokered CDs

If I buy a brokered CD in the secondary market, the price will be different from 100. How do I report the difference between the purchase price and the return of principle at maturity for a taxable account. Is this something I have to calculate each year, or will it just be included as part of the ...
by talzara
Sun Dec 09, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: Vgd alt strategies fund (vasfx) open to retail investors?
Replies: 37
Views: 3037

Re: Vgd alt strategies fund (vasfx) open to retail investors?

it's really a question of consistency with how mutual fund expenses are presented in general, say for long only funds. Long only funds do not reduce their expense ratios for the dividends they pay. Market neutral funds have to add the expense of the dividends on the stocks they are shorting but do ...
by talzara
Sun Dec 09, 2018 11:44 am
Forum: Investing - Theory, News & General
Topic: Vgd alt strategies fund (vasfx) open to retail investors?
Replies: 37
Views: 3037

Re: Vgd alt strategies fund (vasfx) open to retail investors?

it's really a question of consistency with how mutual fund expenses are presented in general, say for long only funds. Long only funds do not reduce their expense ratios for the dividends they pay. Market neutral funds have to add the expense of the dividends on the stocks they are shorting but do ...
by talzara
Sat Nov 24, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Should I drop Geico Umbrella that I have just bought?
Replies: 17
Views: 1401

Re: Should I drop Geico Umbrella that I have just bought?

Umbrella policy covers NO damage. If you pay to repair it will not reimburse; that is your primary renters policy. If you are SUED for damages to the building, the first 300k comes from your rental policy and above that is from your umbrella policy. This policy is ONLY liability. She did state as l...
by talzara
Sat Nov 24, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA R1 With Painfully High Expenses - stuck?
Replies: 41
Views: 2814

Re: TIAA R1 With Painfully High Expenses - stuck?

REITs report their corporate-level expenses separately from their property-level expenses. Just like TIAA Real Estate. I haven't looked at all 184 stocks in the Vanguard Real Estate Index Fund, but I have looked at several of them. They look just as efficient as TIAA. Assuming your data for a few o...
by talzara
Sat Nov 24, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should I drop Geico Umbrella that I have just bought?
Replies: 17
Views: 1401

Re: Should I drop Geico Umbrella that I have just bought?

Umbrella insurance is not a standardized product. The policy language is different at each company. Your policy may cover something that the OP's policy doesn't, and vice versa. GEICO has a blanket exclusion for property damage to rented premises. Amica has an exclusion that only applies in certain ...
by talzara
Sat Nov 24, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Should I drop Geico Umbrella that I have just bought?
Replies: 17
Views: 1401

Re: Should I drop Geico Umbrella that I have just bought?

My Amica umbrella policy has the same clause, but is immediately followed by "This exclusion does not apply to property damage caused by fire, smoke or explosion." But I agree that the fire scenario is a liability situation, which should be covered. The OP does not have an Amica policy. The OP has ...
by talzara
Sat Nov 24, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Should I drop Geico Umbrella that I have just bought?
Replies: 17
Views: 1401

Re: Should I drop Geico Umbrella that I have just bought?

You should have renter's insurance for regular losses or those possessions, so check that the base policy covers all of what you need. Wouldn't the owner have coverage for any loss of the actual apartment itself? As long as you didn't commit arson, anything you accidentally did should be covered. Y...
by talzara
Sat Nov 24, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Should I drop Geico Umbrella that I have just bought?
Replies: 17
Views: 1401

Re: Should I drop Geico Umbrella that I have just bought?

In the case of an apartment you rent, the owner suffers the loss, not you. Your landlord may sue you, which is now a liability case, not a property damage case. Your umbrella policy covers liability. With some exclusions. I am not a lawyer nor an insurance agent, so take none of this as gospel. Tha...
by talzara
Sun Nov 11, 2018 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA R1 With Painfully High Expenses - stuck?
Replies: 41
Views: 2814

Re: TIAA R1 With Painfully High Expenses - stuck?

There is so much misunderstanding about the TIAA Real Estate account (TREA). It is not a REIT. It does not pay a dividend. It's NAV does not change daily because of market buy-sell trades. It does own about 10% REITs, and some movement occurs on this basis. For the rest of TREA, its value is based ...
by talzara
Sun Nov 11, 2018 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA R1 With Painfully High Expenses - stuck?
Replies: 41
Views: 2814

Re: TIAA R1 With Painfully High Expenses - stuck?

Although I am not fan of TIAA RE, I think you are comparing apples to oranges. As Tibbitts said, TIAA RE owns the properties and Vanguard owns shares of the companies that own the properties. Where did you get the data regarding Vanguard costs less if you subtract TIAA RE investment cost? We do not...
by talzara
Sun Nov 11, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: TIAA R1 With Painfully High Expenses - stuck?
Replies: 41
Views: 2814

Re: TIAA R1 With Painfully High Expenses - stuck?

No, this is a common misconception. The TIAA Real Estate Account does not include property management costs in its expense ratio. Well, the fees for mowing the lawn aren't included in TIAA, but I believe some of the management fees that REITs occur (but aren't included in the Vanguard ER) are inclu...
by talzara
Sat Nov 10, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: HSA and NYS ACA Exchange
Replies: 5
Views: 343

Re: HSA and NYS ACA Exchange

I went to some other site to search for non-ACA plans and the site said NONE were available in my area. I am really starting to think healthcare is going to be very poor after I retire. The ACA plans had NO OUT OF NETWORK coverage, and high deductibles, and no HSA. Will spend a fortune for lousy po...
by talzara
Fri Nov 09, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA R1 With Painfully High Expenses - stuck?
Replies: 41
Views: 2814

Re: TIAA R1 With Painfully High Expenses - stuck?

But it's worth saying in comparison to say Vanguard REIT index fund: - the Vanguard Fund has an MER but the actual management costs of the REITs therein are on top of that - whereas the TIAA RE fund includes those costs - it's more explicit No, this is a common misconception. The TIAA Real Estate A...
by talzara
Sun Nov 04, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: HealthCare 2019 - No ACA Subsidy
Replies: 55
Views: 4044

Re: HealthCare 2019 - No ACA Subsidy

It's a pre-existing condition because he's had rotator cuff surgery in the past. I'm not sure he had rotator cuff surgery in the past; He wrote "If I tore my ACL or Rotator Cuff"; The same person had rotator cuff surgery in the past, and it was not covered. It's in the same post that you quoted fro...
by talzara
Sat Nov 03, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: HealthCare 2019 - No ACA Subsidy
Replies: 55
Views: 4044

Re: HealthCare 2019 - No ACA Subsidy

BruDude wrote:
Sat Nov 03, 2018 5:38 pm
ACA policies can't be rescinded because there are no health questions so there's nothing to rescind them for....
The ACA anti-recission clause applies to all health insurance policies, including short-term policies that use medical underwriting.
by talzara
Sat Nov 03, 2018 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: HealthCare 2019 - No ACA Subsidy
Replies: 55
Views: 4044

Re: HealthCare 2019 - No ACA Subsidy

Well yeah, if the insurance company stopped selling insurance in the state altogether, the policy would be terminated. Insurance companies pulling out of an entire state was very rare before ACA was enacted. However, HIPAA still guaranteed that anyone who had their policy terminated beyond their co...
by talzara
Sat Nov 03, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: HealthCare 2019 - No ACA Subsidy
Replies: 55
Views: 4044

Re: HealthCare 2019 - No ACA Subsidy

Common myth - once a policy was in force, it was guaranteed renewable from year-to-year unless the insurance company dropped that policy altogether, but if they did drop it the insured would be guaranteed the right to enroll in an equivalent new plan. This was true in Virginia, but not all states. ...
by talzara
Sat Nov 03, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: HealthCare 2019 - No ACA Subsidy
Replies: 55
Views: 4044

Re: HealthCare 2019 - No ACA Subsidy

Before guaranteed-issue, weren't insurance companies able to drop someone if they developed an expensive illness or condition? I think it used to be called "re-underwriting"? If so, that's not really good insurance from a consumer standpoint. You are referring to "post-claims underwriting" which is...
by talzara
Fri Nov 02, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: HealthCare 2019 - No ACA Subsidy
Replies: 55
Views: 4044

Re: HealthCare 2019 - No ACA Subsidy

If you are in Northern Virginia, Kaiser may be available to you (depending on exactly where you live). We love Kaiser. If in this area, call Kaiser. Kaiser rates went up a lot this year. Cheapest plan for a 60 year old male is $1098/month for a bronze plan with $5500 deductible and $7900 out-of-poc...
by talzara
Fri Nov 02, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: 45% increase in marketplace insurance
Replies: 73
Views: 4440

Re: 45% increase in marketplace insurance

Given that we don't see age, can we really make any assumptions? What if I told you the average SHOP participant age was 35 while the average individual age was say 60? Here is a summary of the 2019 rate filings for Virginia: http://www.scc.virginia.gov/boi/co/acafilinginfo/files/ratePres2019.pdf A...
by talzara
Fri Nov 02, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: 45% increase in marketplace insurance
Replies: 73
Views: 4440

Re: 45% increase in marketplace insurance

ACA rates and employer group rates are in the same ball park. A young person tends to be better on ACA while the older group tends to do better with the group . As always when talking aboutvhealth care it is hard to generalize. FWIW for a family of 3 i paid 1200/month for cobra 10 years ago. Paying...
by talzara
Thu Nov 01, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: 45% increase in marketplace insurance
Replies: 73
Views: 4440

Re: 45% increase in marketplace insurance

Personally, I think $6k per person + deductible for unlimited coverage is a pretty good deal in a relative sense. Many small to mid sized corporations pay around this much for their pools. LOL at whomever upthread said $35k a year in premiums and deductible is a "pretty good deal" It's ruinous. +1....
by talzara
Thu Nov 01, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: 45% increase in marketplace insurance
Replies: 73
Views: 4440

Re: 45% increase in marketplace insurance

What on earth is happening on the ACA exchanges?I Is it because the subsidies are being reduced? No, that was 2018, when the cost-sharing subsidies were eliminated. In 2019, the individual mandate is not being enforced. Since the ACA has guaranteed issue, this will lead to an insurance death spiral...
by talzara
Mon Oct 29, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA plans available for review
Replies: 30
Views: 2966

Re: 2019 ACA plans available for review

I guess I don't understand the diff between emergency and urgent. The ambetter plan doesn't cover urgent An urgent care center is a doctor's office that has extended hours and takes walk-in patients. Usually, it will have the words "Urgent Care" in its name. An HMO plan doesn't cover out-of-network...
by talzara
Mon Oct 29, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: FedNat Home Insurance
Replies: 2
Views: 244

Re: FedNat Home Insurance

1) Is anyone familiar with FedNat? Online reviews are not too favorable or at best neutral. FedNat has a record of poor service. Its complaint ratio is more than 5 times the industry median. FedNat Ins Co NAIC#: 10790 Home Office: Florida Business Type: Property and Casualty Complaint Ratios for Ye...
by talzara
Mon Oct 29, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA plans available for review
Replies: 30
Views: 2966

Re: 2019 ACA plans available for review

Our ObamaCare plan is a EPO (Exclusive Provider). Emergency room care is covered at anywhere though, if you are out of the area. On our plan, there is no network for emergency care. I guess I incorrectly assumed that was a requirement of ObamaCare. You were correct. All ACA plans are required to co...
by talzara
Mon Oct 29, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA plans available for review
Replies: 30
Views: 2966

Re: 2019 ACA plans available for review

Ambetters base plan (the cheapest one for Miami). Doesn't cover out of network doctors at all and despite what you describe re ACA doesn't appear to me that it covers emergencies out of network either. Of course I could be reading it wrong. You're reading it wrong. The Ambetter Essential Care 1 cov...
by talzara
Sun Oct 28, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Is Geico Good for Auto/Renter/Umbrella Insurance?
Replies: 15
Views: 1499

Re: Is Geico Good for Auto/Renter/Umbrella Insurance?

On the Consumer Reports auto insurance rating table, GEICO is listed #19 out of 27. (Travelers is #10.) That's not statistically significant. The ratings jump around from year to year. Consumer Reports took an average of their surveys from 1992 to 2014. GEICO ranks #14 and Travelers #22 out of 24 c...
by talzara
Sun Oct 28, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Is Geico Good for Auto/Renter/Umbrella Insurance?
Replies: 15
Views: 1499

Re: Is Geico Good for Auto/Renter/Umbrella Insurance?

So the question, is how are people's experience with Geico from the claims angle or any caveats as to why their rates are so cheap? You can find people with good and bad experiences at every insurer. What matters are the overall statistics. Consumer Reports and JD Power do surveys of claims satisfa...
by talzara
Sun Oct 28, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA plans available for review
Replies: 30
Views: 2966

Re: 2019 ACA plans available for review

Is anyone familiar with HMO (vs EPO or PPO)? My rates for a PPO are skyrocketing - but the HMO is much less. I don't use healthcare often, mainly have it for catastrophic insurance (like cancer, etc.). The HMO plans say "out of network" isn't covered nor is "out of network" emergency care. The ACA ...
by talzara
Sun Oct 28, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA plans available for review
Replies: 30
Views: 2966

Re: 2019 ACA plans available for review

Massachusetts does have a lot of competing insurance companies. It also has an active purchaser exchange, which means that the state negotiates with insurance companies on the plans that will be sold on the exchange. Could you explain what that means? What do they negotiate? An active purchaser exc...
by talzara
Sat Oct 27, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA plans available for review
Replies: 30
Views: 2966

Re: 2019 ACA plans available for review

Which begs the question, why don't other states adopt these rules? Because of politics. We're not allowed to talk politics on Bogleheads. New Jersey is the only other state that has an individual mandate for 2019. The District of Columbia also has a mandate. Vermont passed a mandate, but it's not g...
by talzara
Sat Oct 27, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA plans available for review
Replies: 30
Views: 2966

Re: 2019 ACA plans available for review

The geographical variation is crazy. I priced a family of 2 adults 45 years old and 2 children 10 years old in Boston which is a very high cost of living area. The cheapest is less than $800. There are 17 options below $1500 and 29 options below $2000, including a platinum plan. All 3 options below...
by talzara
Fri Oct 26, 2018 6:08 pm
Forum: Investing - Theory, News & General
Topic: Is emerging markets investable?
Replies: 51
Views: 2991

Re: Is emerging markets investable?

It worries me a little that the MSCI China only had a 1.53% annualized return since 1993: https://www.msci.com/documents/10199/aa99c3a4-d48b-44ac-8caa-49522caa9021 Any ideas why its performance was so bad? That 25-year period includes a crash. The MSCI China Index fell by 88.63% from December 31, 1...
by talzara
Thu Oct 25, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: An odd retirement scheme? [TIAA Yale retirement savings program]
Replies: 14
Views: 2607

Re: An odd retirement scheme?

The big unknown is what the heck the "TIAA Traditional annuity" is since there are dozens if not hundreds of variations on what it could be. TIAA Traditional is good stuff, paying 4% interest presently. Only problem is, it can't be used for rebalancing, so the accumulator will need to adjust contri...
by talzara
Thu Oct 25, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: An odd retirement scheme? [TIAA Yale retirement savings program]
Replies: 14
Views: 2607

Re: An odd retirement scheme?

I don't know all the details but found info online based on where she works. Her options are to go with the pre-made plan I described above, ask to have it tweaked to make it slightly more conservative or aggressive (https://www.tiaa.org/public/pdf/yale-new-fund-lineup.pdf), or to make her own cust...
by talzara
Thu Oct 25, 2018 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Holding Period Question for Tax Loss Harvesting and Qualified Dividends
Replies: 4
Views: 381

Re: Holding Period Question for Tax Loss Harvesting and Qualified Dividends

Let's say that I bought 1000 shares of the ITOT ETF 119 days before the ex-dividend date. 62 days later, ITOT has dropped, and I decided to tax-loss harvest. I sell all 1000 shares. In order to avoid a wash sale, I then waited 32 days before buying 1000 shares of ITOT again. I do no more trades bef...
by talzara
Sat Oct 20, 2018 10:53 pm
Forum: Investing - Theory, News & General
Topic: Fidelity and Blackrock employees sue over 401k plans
Replies: 10
Views: 1827

Re: Fidelity and Blackrock employees sue over 401k plans

yeah, Fidelity settled back in 2014 for a suit involving putting their employees in higher cost funds and charging excessive fees for a plan of their size (settled for $12 million 4 years ago): A lot of companies have settled their 401k lawsuits. Has any of them actually lost a case? The plaintiffs...
by talzara
Sat Oct 20, 2018 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: AAA Insurance is increasing my home insurance premium by 47.8%!!! with no claims filed
Replies: 30
Views: 2955

Re: AAA Insurance is increasing my home insurance premium by 47.8%!!! with no claims filed

Yes, I am aware of bundling discount; however, the challenge is that I have my car insurance is with Geico and they do not offer home insurance in the state. Geico doesn't underwrite home insurance in my state either, but through their brokerage I have Travelers which I've been happy with (so far)....
by talzara
Sat Oct 20, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: AAA Insurance is increasing my home insurance premium by 47.8%!!! with no claims filed
Replies: 30
Views: 2955

Re: AAA Insurance is increasing my home insurance premium by 47.8%!!! with no claims filed

Just opened the policy declaration for our home insurance, and I was really shocked to see a 47.8% rate increase :annoyed . I talked to them and they claim that this increase is due to "increased inflation rate" and also "yearly rate adjustment" :shock:. I have not filed for any claims during the p...
by talzara
Sun Oct 07, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Shorting and buying a stock in two accounts (one is retirement account)
Replies: 19
Views: 1389

Re: Shorting and buying a stock in two accounts (one is retirement account)

Hey Talzara, you say 'When you short a stock, the date you opened the position is the date you sold the stock.' I need to give a specific example: 1 - I buy AMZN in my retirement account TODAY and few seconds later I short sell it in my regular account. 2 - I wait couple months and AMZN goes up 10%...
by talzara
Fri Oct 05, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Shorting and buying a stock in two accounts (one is retirement account)
Replies: 19
Views: 1389

Re: Shorting and buying a stock in two accounts (one is retirement account)

Am I allowed to buy a stock in my retirement account and short sell the same stock in my regular (non-retirement account) at the same time (within seconds)? I know you will ask why would you do something like that. I need to do this hoping that the stock will go up by the end of this year so that I...
by talzara
Thu Oct 04, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Need Health Insurance (Non-ACA Options)
Replies: 80
Views: 5593

Re: Need Health Insurance (Non-ACA Options)

That's surprisingly higher than ours, we're mid-40s with 3 kids, and pay ~14500. Given that I'm in Massachusetts, which I thought has the most expensive health care in the nation, you may be right that that's a bad deal. Or maybe you just live in a 33% less healthy zip code? Massachusetts has Romne...
by talzara
Thu Oct 04, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Need Health Insurance (Non-ACA Options)
Replies: 80
Views: 5593

Re: Need Health Insurance (Non-ACA Options)

I was estimating the cost and deductible, but I am in York county. I don't think the 2019 plans are out yet for PA. Unfortunately, rating area 7 (Adams, York, Lancaster, Berks) costs much more than rating area 8. The 2019 rates have already been filed, but they have not yet been approved: https://w...