All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment. 00 003 Apr-14 Apr-14 SCOTIA SCCP PREMIUM 9. To cancel your credit card, please call us at 1-866-267-4935. Scotia SelectPay TM A new, flexible way to pay off your eligible Scotiabank Visa * credit card purchases of $100 or more, with no interest rate on your plan and a low fee. Winner: Draw. Hollenberg President Chubb Life Insurance Company Fact sheet. Scotia Mortgage Protection is underwritten by The Canada Life Assurance Company under a group policy issued to the Bank of Nova Scotia. Conventional Mortgage Charge - (in Quebec, an immovable hypothec): security is provided in favour of Scotia Mortgage Corporation (SMC), a wholly owned subsidiary of Scotiabank, registered in first position priority on the land and building. View more card details. The Canada Disability Savings Bond (CDSB) provides up to $1,000 per year to families with low incomes to help them save for the long-term care of a person with a disability. What's. years of age in British Columbia, New Brunswick, Nova Scotia, Newfoundland/Labrador and the territories). $0 /year. Your Account balance is insured for up to $50,000, however, premiums are only calculated up to a maximum of $25,000. 09 per $100 of the average daily balance on your credit card account (plus any applicable provincial sales tax). Affordable monthly premiums for Credit Protection are based on your outstanding account balance and your coverage choices. Compare American Express Credit Cards. Get a quote for Credit Chart Insurance Today!Scotia Credit Card Protection insurance;. Apr 14. International Money Transfer ±. PDF SAMPLE - scotiafunds. 99% cash advances. Optional Scotiabank Mastercard®/Visa® Credit Life Protection ‡ provides up to $85,000 in coverage with premiums based on the outstanding balance on your previous month’s Scotiabank Mastercard®/Visa® account. Earn up to $2,100* in value in the first 14 months, including up to 60,0004 bonus Scene+ points. The longer you save, the higher your interest rate. All coverage is subject to the terms and conditions outlined in the certificate of insurance which you will receive upon enrolment. issued to The Bank of Nova Scotia by Chubb Life Insurance Company of Canada (“Insurer”) under Group Policy number TMH600165. Flat Premium – A flat premium is a fixed amount that a policyholder pays for a specific period of coverage, regardless of the number of claims filed. Scotia Insurance is the brand name for the Canadian insurance business of The Bank of Nova Scotia and certain of its. Yo u are neve r re quire d to purc hase insuranc e: Ev that is of fered by your distributor; pe from a person who is as signed to yo u; or en if you are required to be insured, You might think there’s a cost advantage, but this insurance is expensive at around $1 a month for every $100 spent. 19. The Scotiabank Passport Visa Infinite is a flexible travel rewards credit card that has a lot to offer, but also comes with a few drawbacks. All coverage is subject to the terms and conditions outlined in the Certificate of. Features. Apr 14. Make one eligible bill payment of at least $50 (like a car payment or a cable bill payment) with online or mobile banking; Set up and clear at least 2 eligible separate. The Scotiabank Preferred Package is a mid-price chequing account that offers unlimited transactions and Interac e-Transfers. 50/month: Preferred Package: $16. D. Get a quote for Credit Joker Insuring Today!SCOTIA SCCP PREMIUM. Unlimited debit transactions 3, Interac e-Transfer † transactions, and Scotia International Money Transfers ±. Buying Credit My Balance Protecting Insurance for Financial Stability to you and owner family in unexpected events. 99% purchases / 22. Scotia Momentum Visa Infinite – Best credit card to enjoy unique experiences. Receiving a quote for Credit Mapping Insurance Today! After your installment plan is enrolled, you can cancel it at any time through the mobile app or Scotia OnLine. 10. Some cards come with a foreign transaction fee that is typically between 2. You’ll need to fulfill the standard qualifications like Canadian residency, age of majority in your province, and no bankruptcies in the last 7 years. Scotia Investments’ Fund Managers have been managing portfolios for over 20 years. 99, preferred rates on select GICs, and the monthly account fee is waived on a Scotia U. Dollar Daily Interest Account. The only major bank that saves you 2. There are usually 4 common coverage options available through Mortgage Protection Insurance: 1. However, whenever you don’t understand a. Scotiabank doesn’t allow cardholders to cancel their credit cards online. 95 per month, but you can get this waived with a minimum balance of $4,000 every day of the month. Monthly premium amount Your monthly insurance premium amount is added to your Scotiabank credit card account automatically and is reported on your statement. We offer a range of affordable optional creditor protection coverage for Scotiabank credit products:Scotia Mortgage Protection: Life, Critical Illness, and Disability coverage. Your completed Scotia Line of Credit Protection application, the letter confirming Your coverage elections under Scotia Line of Credit Protection,Buy Credit Card Balance Protection Insurance for Financial Stability in you and your family in unexpected events. While this account does come with a hefty monthly account fee of $30. (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. 00 $1,114. Call or visit your Scotiabank Premium Banking Centre to learn more or to sign up. 99% after that; annual fee $29). Interest rates. 25/month. 1685 E SCCPClaims@umu. Scotiabank Passport. Get a quote for Credit Card Insurance Today!Mary is a preliminary credit card holder lower the age of 70 furthermore your enrolled are Scotia Credit Card Protection insurance. The SCCP Class 0 protocol class is the most basic of the SCCP protocol classes. Earn 2X the Scene+™ points for every $1 you spend on all your eligible purchases 1. 81 CREDIT VOUCHER/RETURN SCOTIAREWARDS- Scotiabank American Express Card #32 – 850 SADDLETOWNE CIRCLE NE CALGARY, ALBERTA T3J 0H5 POST DATE Affordable monthly premiums for Credit Protection are based on your outstanding account balance and your coverage choices. m. Get a quote for Credit Card Insurance Today!Calculating Premiums Your premium is calculated based in your Day-to-day Balance multiplied over the Daily Premium Set. $29 /year (Special offer: First-year annual fee waived) 2. By signing up for the Ultimate package of Scotiabank, you can avoid wire transfers and transaction fees. 09 per $100 of Your Daily Balance until your 70th birthday, and $0. I was informed about it when I applied and signed for my credit card. You also have a 120-day grace period for your premium payments. 2. XXXX issued to. Earn 6 Scene+ points2 on every $1 CAD you spend in Canada at Sobeys, Safeway, FreshCo, Foodland and more. Annual Fee. Most items purchased anywhere in the world are automatically insured against theft, loss or damage as long as the full cost of the item is charged to your Scotiabank American Express Card . D. Hollenberg President Chubb Life Insurance Company Fact sheet. View more card details. Premium Solutions with preferred products Credit card insurance is a product thatbanks marketas a way to help with credit card payments if customers losetheir jobs or getsick. What is Scene+? How to redeem Scene+ points? How to use Scene+ card? Find all frequently asked questions and answers here. $2. Scotia® Credit Card Protection Certificate of Insurance Chubb Life Insurance Company of Canada certifies that the Insured(s) as named on the Schedule of Coverage are covered under and subject to the terms and conditions of: Group Policy. Scotia Momentum Visa Card. 7092 F +1. Also, you’ll earn 3 points per dollar spent on gas, transit, and select streaming services, among the best rates around. Buying Credit Card Balance Protection Insurance for Financial Stability for to and your family in unexpected events. If you're trading stocks or options, you'll pay a fee of $4. Entering and Transmitting a Stop Payment Order. The card charges 19. 38. A whole new world of convenience - banking transactions from your mobile phone!Scotia Credit Card Protection is a group insurance. Scotiabank Mastercard®. Seniors (age 60 or. $0. Please keep in a safe place. With Scotia Credit Card Protection, your coverage and premium is always based on your Account balance. The last thing you need to worry about during an emergency is how to pay your bills. Get rewarded on everyday purchase, and earn a $350 welcome bonus on select accounts. Help Centre - credit cards FAQs;. Card. Posted Rate. Buy Credit Card Rest Protection Insurance in Treasury Stability for you and your family in unexpected show. Exterior designed to get noticed wherever you take it. 99% purchases / 12. m. Life. Annual fee 3. No Charge No Charge No Charge No Charge J$1,000 No Charge No Charge J$505 J$500 J$3,435 -. Reasons why this Credit Card is perfect for you if you: This Credit Card is not right for you if: Fees, rates & other information. ; Business banking: Please refer to Your Guide to Fees and Interest Schedules (PDF). Acquire Credit Card Balance Coverage Insurance for Financial Sturdiness for you the you my inside unexpected related. Purchase Financial Bill Balance Protection Insurance for Fiscal Stability for you and your family in unexpectedness activities. Get up to 2% cash back on eligible gas station, grocery store, drug store purchases and recurring payments. 5% and 3% when you use them overseas, say on a vacation in Europe or during your semester abroad. Get a quote for Credit Card Insurance Today! Scotia by Chubb Life Insurance Company of Canada (“Insurer”) under Group Policy number TMH600165. Call or visit your Scotiabank Premium Banking Centre to learn more or to sign up. 00% for 6 months. 00% of the amount, plus flat charge: Duplicate Foreign Drafts Flat Charge $1,875. Flexible payment options. Up to $150 annual fee waiver each year on select credit cards 5. Buy Credit Card Balances Protection Insurance for Financial Stability for you and your family in unexpected show. Get one quotation for Get Card Financial Today!This comprehensive coverage is available at a monthly premium rate of only $1. Digitally Connecting The Millennium CityFees, rates and other information 5. If you’re ready to apply for a Scotiabank mortgage, follow the below steps: Visit Scotiabank’s website and navigate to the mortgages page. com Scotia Credit Card Protection Certificate of Insurance Chubb Life Insurance Company of Canada certifies that the Insured(s) as named on the Schedule of Coverage are covered under and subject to the terms and conditions of: Group Policy Number TMH600165 issued to The Bank of Nova Scotia To cancel your. 99% $0 annual fee for the first. 25 for monthly paper statements (free digital statements included) Incoming wire transfers cost $15. The premium you pay for this type of insurance is based on how much you owe on your credit card, and the type of coverage you have. It is your responsibility to confirm that top-up is permitted on the existing plan with no loss of coverage. If the premium has not been paid within that period, your coverage is automatically cancelled. They affect you because they reduce the returns of the Premium Series units of the Fund. $150. Most other premium cards charge around $50 to $39 a year for adding a supplementary cardholder. m. Low Trustpilot rating: Scotiabank scored 1. $0* or $30. 99 for making more than 150 trades per quarter, or $9. American Express extended warranty won't pay more than the covered purchase amount charged to your card. Scotiabank is a member of Canada Deposit Insurance Corporation (CDIC) Welcome to Scotiabank, a global bank in Canada & the Americas. 21 INFORMATION ABOUT THE DECEASED Scotia. 12. topline coverage of a wide range of concepts that will come in useful in lots of different roles. 50 J$3,390. Annual fee: $0. $0* or $11. Comes with available all-wheel-drive and advanced safety technology. An example of this optional insurance is Scotia Mortgage Protection insurance. 00: Flat charge for each order negotiated on due date JMD 408. Scotia Credit Card Protection insurance;. Scotiabank Platinum American Express. The Scotiabank Premium Banking Package includes 1 your choice of either a local currency or US dollar Δ transactional account, together with one or more local currency or US dollar Δ savings accounts. Your completed Scotia Line of Credit Protection application, the letter confirming Your coverage elections under Scotia Line of Credit Protection,The Scotiabank Ultimate Package is a premium chequing account that comes with a ton of perks including a generous welcome offer, unlimited and free transactions and e-Tranfers, and even free global ATM withdrawals. Complete any two of the following actions within 60 days of opening your Ultimate Package:. Annual fee: $0. Earn an additional 0. Get a quote for Credit Card Insurance Today!The first is a base rate of 1. 09 per $100 of Your Daily Balance until your 70th birthday, and $0. Earn a savings rate of up to 5. pdf from GNED 127 at Centennial College. Your monthly credit insurance premium amount is added to your Scotiabank credit card account automatically and is reported on your statement. The longer you save, the higher your interest rate. Got ampere quote for Credit Card Insurance Today!Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada under a Group Policy issued to the Bank of Nova Scotia. You'll also need to meet certain eligibility requirements. A new, flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with no interest rate on your plan and a low fee. Earn even more interest1 when you open and fund a Premium Period (s)2. my subreddits. 11 Learn more. Card. The monthly benefit amount. Your monthly credit insurance premium amount is added to your Scotiabank credit card account automatically and is reported on your statement. Got ampere quote for Credit Card Insurance Today! Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada under a Group Policy issued to the Bank of Nova Scotia. 63: Cash for draft Flat Charge: 1. A maximum of five Premium Periods at any one time, each of which can have a length of 90 days, 180 days, 270 days, or 360 days. ($1. These are cards that you load with funds and use until the loaded money runs out. Cardholders can charge the full cost of an eligible rental car to the card and be automatically insured if the rental is damaged or stolen. $1,000. American Express Platinum from Scotiabank – Best credit card for travellers. Ways of procuring Scene+ focuses. Freshen up each morning in the full bathroom with a 30" x 36. 2. Mary's insurance premium for the July accounting cycle exists $7. $500. 09 per $100 of Your Account Balance and for Basic Protection the monthly premium rate is $0. You're much better off covering your credit spending in other, more comprehensive ways like disability insurance or life insurance. Security FAQs. 99% interest on purchases and 22. Specifically, the class action lawsuit alleges that the banks and credit card companies act unlawfully by: (a) misrepresenting and omitting many important facts regarding the terms of the “protection;” (b) enrolling and charging customers without their consent (“slamming”); (c) enrolling and charging consumers for the “payment. Apply for Scotiabank American Express No-Fee Travel Credit Card and get travel benefits, Scotia Rewards points and access to special offers & more. Low interest rates. You can learn more about this card and sign up for it through. Your Account balance is insured for up to $50,000, however, premiums are only calculated up to a maximum of $25,000. Basically, having the Preferred Package lets you get the first year free (up to $139) with any of the following premium cards: Scotiabank Gold American Express, Scotiabank Passport Visa Infinite, Scotia Momentum Visa Infinite, and. Plus, for a limited time, you are eligible to earn a 20,000 Scene+ point bonus when thee spend in slightest $7,500 in everyday eligible purchasing in your first year. No premium is charged if your previous month’s statement balance was zero. However, in our view, what you really want from a comprehensive foundational exam is breadth: i. 99% introductory interest rate on purchases for the first 6 months (20. 95/month – No monthly account fee by maintaining a minimum daily closing balance of $4,000 for the. For starters, cancelling over the phone may be a more secure way to ensure that the registered cardholder is cancelling the account. Get a quote for Credit Card Insurance Today! Calculating Premiums Your premium is calculated based in your Day-to-day Balance multiplied over the Daily Premium Set. For Comprehensive. In Person – Make an Appointment at a Branch – Find a Branch. 800. 1. 2. à charge. There are different coverage types, including. 00 $2,425. With Scotia Credit Card Protection, your coverage and premium is always based on your Account balance. Get one quotation for Get Card Financial Today! This comprehensive coverage is available at a monthly premium rate of only $1. Earn 1% cash back on all eligible gas station, grocery store, drug store purchases and recurring payments. The table below shows the monthly disability protection premium for each $100 of insured mortgage payment. When that happens, the remaining outstanding installment balance under the installment plan will be re. Get a quote for Credit Card International Available!Visa payWave* - Save time when paying for small, everyday purchases with Visa payWave. All periods of coverage begin and end at 12:01 a. A line of credit is a revolving borrowing solution that allows customers the flexibility and convenience of accessing funds to meet their diverse borrowing needs, typically at a lower interest rate. 99% after that; annual fee $39). is a member of the Canadian Investor Protection Fund (CIPF), a not-for-profit corporation that safeguards investors’ money in the event a financial institution goes. Get a 2. For example, mortgages often have five. Interest rates: 20. Scotiabank Passport Visa Infinite – Best Scotiabank credit card to avoid foreign transaction fees. Step 1: Find out the total amount of. The premium rate for coverage under Scotia Credit Card Protection is $1. 6 million. Aged 18 to 64. In that case, your utilization ratio across all your cards is 20% ($4,000 divided by $20,000 = 20%. Earn up to $650* in value in the first 12 months, including up to 40,000 bonus Scene+ points. $120. A worry-free account matched for student life. Scotia Flex Value Mortgage-Open 5 Year Term. 3. For inquiries. Explore line of credit interest rates from 3 different types of. Earn up to $550 with a Scotiabank banking package and TFSA or RRSP. are in effect as of January 6, 2020 and are subject to change at any time. Annual fee. The premium rate for coverage under Scotia Credit Card Protection is based on Your Daily Account Balance which is calculated daily and billed monthly. Affordable monthly premiums for Credit Protection are based on your outstanding account balance and your coverage choices. 0% foreign currency conversion fee. Coverage to help you and your family stay financially on track through unexpected events. 99 if you make 149 trades per quarter or less. The card is equipped with cash-back rewards and the ability to save on car rentals at Avis and Budget. What is CPC/SCP? CPC/SCP stands for Canada Post Corporation/Société Canadienne des Postes. 51% of its value, which equals $15. $0 - $350,000. 15 GBP/EUR 5. D. 7. 53 a month for every $100 of outstanding balance. Whether you want to switch to another Scotiabank credit card, consolidate multiple Scotiabank credit card accounts, or close your Scotiabank credit card account, we can help. 800. I'm getting a fee tacked on to my credit card every month from Scotiabank. For the year of July, Mary has the folowing balances through 31 days. to suit your budget. Scotia Ultimate Variable Rate Mortgage - 3 Year Closed Term. The hidden cost of credit cards: Canadian retailers lost a case this week over high fees for processing premium credit cards. Your monthly premium is $0. No Charge: No Charge: No Charge: Basic Plus Bank Account: $11. In the top half of the screen, enter the details of the payment (s) that you would like to stop. Fund expenses You do not pay these expenses directly. Cost $1. En cas de décès, d’hospitalisation ou de maladie grave couverte, la Protection Carte de crédit Scotia prévoit le versement d’une prestation non imposable pour payer le solde de votre compte de carte de crédit en totalité, jusqu’à concurrence de 50 000 $. 5% on foreign transaction fees 7∆. Thy cost of coverage is the sum of the calculated premiums available this billing period. 3 out of 5. &Sobeys, Safeway, Foodland. Compare American Express Credit Cards;. The Scotia Momentum Visa Infinite Card is an ideal credit card for daily use, paying up to 4% cash back on purchases and offering very good travel insurance. 99% on cash advances, balance transfers and Scotia Credit Card Cheques. 99% after that; annual fee $39). Scotia Credit Card Protection insurance is an optional insurance product available to Credit Card customers to provide comprehensive coverage that stays in place as Your protection needs change. we will not charge interest on any new purchases and interest-bearing fees (annual fees,. Flexible payment options. 49 per $100 of Your Daily Balance for. 05 006 Aug 8 Aug 8 ROTHMANS BENSON AND HEDGE NORTH YORK ON INSTALLMENT FEES 1 OF 3 P AYMENTS 1. David and Pam’s combined Scotia Line of Credit Protection premium is $28. $1. Debit transactions 3. This type of premium is often used for policies with low-risk profiles, such as life insurance or disability insurance. Preferred rates on fixed and variable rate, closed mortgages for new purchases, switches, refinances and renewals on a Scotia Total Equity® Plan ( STEP) ∆ available through an advisor. Coverage to help you and your family stay financially on track through unexpected events. Enjoy international purchasing power and avoid the worry of carrying cash with Scotiabank's suite of credit card products. A maximum of two people per eligible Scotiabank Loan can have. Buy Borrow Map Balance Protection Insurance for Financial Strength for you and your family into unexpected events. $0 /year. With optional Scotia Creditor Insurance Protection, your Scotiabank debt payments are maintained or paid in full, in whatever situation you encounter. These accounts allow you to: Enjoy an unlimited number of transactions 3 on your transactional and savings accounts. 5. As mentioned, the Scotiabank Preferred Package monthly fee is $16. Clients with a Scotiabank Ultimate or Scotiabank Preferred chequing account package earn additional interest. Scotia Credit Card Protection insurance; Security and fraud; Tools. Make one eligible bill payment of at least $50 (like a car payment or a cable bill payment) with online or mobile banking; Set up and clear at least 2 eligible separate. Provincial sales taxes are also added where applicable, and the premium is conveniently charged to Your Account. Scotia Credit Card Protection insurance is an optional insurance product available to Credit Card customers to provide comprehensive coverage that stays in place as Your protection needs change. Annual fee. The premium rate for coverage under Scotia Credit Card Protection is $1. 25 per contract. recommended credit score: 750. Balance transfer fee: 1%. Scotiabank Platinum American Express ® Card. SCOTIA CREDIT CARD PROTECTION CLAIM FORM STATEMENT OF DEATH CLAIMANT STATEMENT Unity Managing Underwriters Ltd. Scotia Momentum®. Any ideas what I can do about this? I was going to call the bank, but they seem all saleperson like when I talk to them. Power’s 2023 Credit Card Satisfaction Study [1]. 99% interest rate on balance transfers for the first 6 months. They affect you because they reduce the returns of the Premium T Series units of the Fund. To apply for Comprehensive Protection, you must also be: Employed and actively working at least 20 hours per week 4. Travel Insurance. Our claims service is available Mon to Fri 8:00am to 6:00pm EST. Premiums are calculated as per the Certificate of Insurance and are subject to eligibility requirements. 25 per contract for options trades if you execute more than 150 trades per quarter. Great features. ScotiaLife® Accidents Death Insurance Kandi | Scotia Protection; Once you skill, we’ll credit your account in 2 instalments:jump to content. Unity Managing Underwriters Ltd. Get a 2. Scotiabank Value Visa. Ghosting on your bill can result in late fees between $25-40 depending on your credit card issuer. The premium rate for coverage under Scotia Credit Card Protection is $0. To cancel your plan: • Select your eligible credit card and tap the Scotia SelectPay icon • Select the My plans tab and the installment plan you want to cancel • Tap __Review & cancel __Allow 1 to 3 business days for us to complete the processing. To cancel your Scotiabank credit card protection please call us at 1-855-753-4272 on Monday-Friday from 8 am - 8 pm ET. Scotia Chubb Life Insurance Compan yo f Canada Scotia Credit Card Protection A. P. The account comes with a host of perks, including a first year fee waiver on select credit. Step 1: Find out the total amount of daily balances SAMPLE Scotia® Credit Card Protection Certificate of Insurance Chubb Life Insurance Company of Canada certifies that the Insured(s) as named on the Schedule of Coverage are covered under and subject to the terms and conditions of: installment plan and a low fee 2. The only major bank that saves you 2. Provincial sales taxes are also added where applicable, and the premium is conveniently charged to Your Account. Low Trustpilot rating. Minimum credit limit of $10,000. Gather all the necessary documents based on the type of coverage you are applying for. Book an appointment. Call us immediately. m. Ultimate Package. You agree to pay the annual fee(s) for your Scotiabank Credit Card which is incurred when the card is issued, regardless of card activation and will be billed to your first statement and once a year thereafter. O. Insert cost of coverage is the sum of an charge premiums for the billing period. To earn 10% cash back, make sure to use your new card to make everyday eligible purchases and earn 10% cash back on the first $2,000 you spend in your first 3 months from account opening. PDF SAMPLE - scotiafunds. Calculating Balance forEarn a Welcome Bonus of 10,000 Membership Rewards points when you charge $1,000 in purchases to your card in the first 3 months as a new Cardmember. 49 per $100 of Your Daily Balance for the remainder of Your coverage period. The Scotiabank Gold American Express Card is one of the best credit cards in Canada. It has an outstanding travel insurance package that includes 3 days of emergency medical coverage for people over the age of 65. CPC/SCP is the merchant category code (MCC) assigned to Canada Post as a retailer or service provider. Life Protection: The cost for single Life Protection is $0. Save up to hundreds of dollars a year on interest. This coverage can help pay the outstanding balance on your mortgage if you pass away. 00 $0. Interest rates 6. 416. This is a list of Scotiabank credit cards that include trip cancellation insurance and/or trip interruption insurance benefits, as well as links to the current Certificates of Insurance with full details of these coverages:Trip Cancellation and Trip InterruptionScotiabank Passport Visa Infinite Card English PDFScotiabank American. Also, if you are over 60 years old, you get a $4. The annual interest rate on this credit card is around average at 20. The price tag is a sizable $16. They affect you because they reduce the returns of the Premium Series units of the Fund. 60% * for 3 months. Which means every month as I'm trying to slowly pay off the card, there's this extra 20-30dollar charge. Get access to Loan & Credit Insurance related informative videos, great tools, and insightful articles.