triumph factoring phone number. (2023-07-26 | NDAQ:TFIN) Triumph Appoints Jason Heilig Chief Technology Officer of Factoring DivisionDALLAS, July 26, 2023 (GLOBE NEWSWIRE) -- Triumph, a member of the Triumph Financial, Inc. triumph factoring phone number

 
(2023-07-26 | NDAQ:TFIN) Triumph Appoints Jason Heilig Chief Technology Officer of Factoring DivisionDALLAS, July 26, 2023 (GLOBE NEWSWIRE) -- Triumph, a member of the Triumph Financial, Inctriumph factoring phone number  Put the invoice number in the description section

The company launched MyTriumph. Mark Dubs is the nicest, most professional, amazing/outgoing person you'll ever talk to in this industry. How many stars would you give Triumph Business Capital? Join the 214 people who've already contributed. 4. Our broker clients transact business at a 100% advance rate. Insurance products andThere are several benefits of making Triumph your financial hub for your trucking business. Social. Q Where is Triumph Business Capital located? A Triumph Business Capital is located at 651 Canyon Dr #105, Coppell, TX 75019 About the Business. com through the News & Events, Events & Presentations links. On 30 Sep 2019, My wife emailed Cynthia to release any money and wire transfer all funds. Please avoid using Triumph. In this new role, Valdez will now oversee the strategic direction of Triumph’s factoring vertical. Triumph Financial’s expected financial results or other plans are subject to a number of risks and uncertainties. For over 25 years, eCapital, an alternative finance & factoring company, has helped more than 30,000 companies grow their businesses. Review fromMandy C. (NYSE: TGI) ("TRIUMPH" or the "Company") today reported financial results for its second quarter of fiscal 2024, which ended September 30, 2023. Add a line in the same deposit. Dallas – October 4, 2021 – Triumph Business Capital, a member of the Triumph Bancorp, Inc. Triumph. Headquartered in Dallas, Texas, its diversified portfolio of brands includes TriumphPay, Triumph and TBK Bank. Amanda Tavackoli. Jonathan R. Triumph. When it comes to getting paid, TriumphPay keeps you in the driver’s seat. Graft, vice chairman and. I have several friends that recommended that I use Triumph factoring. TriumphPay saw an unspecified. Banking services offered by TBK Bank, SSB, Member FDIC. Our name has changed to Triumph Business Capital, but our success is still measured by the value we bring to each and No minimums – you decide what invoices and brokers to factor. If you have general questions about Triumph Business Capital and their financing options, you can call 972-942-4325 or submit a message using the form here. 2 hours agoTriumphPay provides tools and services to increase automation, mitigate fraud and create back-office efficiency. 866-356-0888 Call Now Chat ONLINE SUPPORT A The phone number for Triumph Business Capital is: (866) 414-9600. OTR Solutions (formerly OTR Capital) is our top choice for transportation factoring. Driver Mobile App enhancements that. slide 4 of 2. How Do I Select QuickPay? Thu, 22 Jun, 2023 at 9:42 AM. com Phone: 800-207-7661 Transportation Alliance Bank, Inc. ” Google Review “Easy as 1-2-3. The Company's segments include Banking, Factoring and Payments. The company’s vision is one that aligns with most. View Gerry Hefflick's colleagues in Triumph Employee Directory. Your service and turn around time is incomparable. Triumph“My all time favorite factoring company where you can easily reconcile your books and super easy to Bill the invoices. Overview Reviews About. | Read 41-60 Reviews out of 218DALLAS, Dec. Factoring; Insurance; Equipment Finance; 866-356-0888;. THIS FACTORING AND SECURITY AGREEMENT (“Agreement”). Contact us at 800-707-4845. Our name has changed to Triumph Business Capital, but our success is still measured by the value we bring to each and every client relationship. Address: 2233 Wisconsin Ave NW, Ste. HQ. Triumph Bancorp, Inc. The best part is before you sign up with any broker you can check their credit rating by entering their MC number in their portal. Poor 0%. TBS Factoring. Triumph Bancorp, Inc. 7 million invoices. (the “Company” or “Triumph Financial”). Your experience matters. Small Motor Carrier Archives | Triumph Business Capital, Truck Factoring, Trucking Company Archives | Triumph Business Capital, Trucking Factoring Factoring, Freight Brokers, Trucking June 20, 2017Thank you Triumph the factoring they offer 3. Average 40%. Application and set-up is easy, and you’ll get 24/7 online account access. Triumph insurance experts walk you through the sign up and renewal processes, ensuring your coverage meets your needs as you grow. TriumphPay is a carrier payment platform that connects brokers, shippers and carriers through forward-thinking solutions that help each party successfully process, settle and manage carrier payments and drive growth. So helpful over the phone. We are humbled to work with and express our gratitude to the trucking community by bringing our unique style of BBQ (and factoring, insurance, fuel,) in person. Triumph, a member of the Triumph Financial portfolio of brands and a provider of working capital financing solutions to the transportation industry, appointed Tim Valdez president of its factoring division. In this new role, Valdez will now oversee the strategic direction of Triumph’s factoring vertical. TRIUMPH FINANCIAL, INC. For reasons unknown it’s not working out for me? I just need to get paid! This has been by far the worst experience. Driver Mobile App enhancements that include:Triumph Group has 14,309 employees. Triumph Business Capital closed the acquisition of the transportation factoring assets of Transport Financial Solutions (TFS). “Easy as 1-2-3. 4. We’re a division of Triumph Bancorp, Inc. Find an invoice factoring office near you. 01, 2022 (GLOBE NEWSWIRE) -- Triumph Bancorp, Inc. Triumph Bancorp has 5 employees at their 1 location and $84. Banking services offered by TBK Bank, SSB, Member FDIC. They provide consumer, business, and commercial banking solutions, including a full range of lending products. Triumph, a member of the Triumph Financial, announced the appointment of Tim Valdez as president of its factoring division. I sent a termination letter back in November 2021 today is 21st March 2022 and have still not received it. Prior to the market open on Dec. You do follow up calls and communication with brokers account payable departments. It’s then up to the third-party financial company – the “factor” – to get paid. TBS Factoring is another trustworthy company offering truck factoring services to small and large companies. Triumph Financial is a financial and technology company focused on payments, factoring and banking. With over 100 dedicated team members at your service, we’re an invoice factoring company that. Company profile page for Triumph Financial Services LLC including stock price, company news, press releases, executives, board members, and contact information. Your experience matters. (Nasdaq: TFIN) is a financial holding company focused on payments, factoring and banking. 1700, Dallas, TX 75251 | (866) 644-3935 Triumph offers a full suite of financial solutions to help your business meet long-term goals. . Triumph Profile and History. Senior Invoice Auditor. Business hours are Monday through Friday, 7am - 5pm Central Standard Time. The following sections are displayed in this modal: Accounts Receivable Information - Includes the shipper name, invoice number, invoiced. Read Article. (Nasdaq: TFIN) portfolio of brands and a leading provider of. Headquartered near Dallas, Texas, Triumph Business Capital has offered invoice factoring since 2004. Triumph, a member of the Triumph Financial, Inc. TRIUMPH FINANCIAL SERVICES P. Our strategic partnership with TBC provides carriers in our network access to a number of financial services and products provided by a reputable and long-standing factoring company. So my new company has nothing to do with my trucking company but still requires factoring for services that triumph dosnt factor. These new upgrades include integration with Triumph Factoring, a digital bill of lading, electronic signature capture, and improved expense accounting and visibility. I called in on the 2/20/23 to cancel . Phone Number +1 214-365-6900 Triumph Bancorp is a financial and technology company that engages in payments, factoring, and banking. MATS is only the first stop for the EPIC BBQ truck & trailer. Triumph has 400 employees. 400 : 701 Canyon Drive, Suite 100 : Washington, DC 20007 : Coppell, Texas 75019. And you landing me cash. It gives our valued clients who qualify the option to get funded overnight and on weekends through our blynk® digital payment system for invoices submitted after cut-off time. ” Google ReviewEnter Phone Number Email I accept all terms and conditions. An estimate on factoring company purchases is $90 billion annually. Triumph is a leading provider of cash flow management services for the trucking industry. Suite 1700. Pilot Flying J DiscountsWe are happy to assist you! Monday-Friday, 8:00am - 5:00pm Central, please call 866-356-0888. slide 3 of 2. Essentially, a third-party factoring company for trucking will effectively buy those outstanding accounts receivable at an advance rate of usually 80% to 90. File Number) 20-0477066 (IRS Employer. B2B Prospect Data. 13, 2022 (GLOBE NEWSWIRE) -- Triumph, a member of the Triumph Financial, Inc. About Triumph. 3 of them have reviews. Choose Your language. president of the Triumph factoring division, said. TCI Business Capital — Best for High Funding Amounts. 01, 2022 (GLOBE NEWSWIRE) -- Triumph Bancorp, Inc. Headquartered in Dallas, Texas, its diversified portfolio of brands includes. Triumph | 651 Canyon Drive, Suite 105 Coppell, Texas 75019 | (866) 356-0888 Factoring services offered by Triumph Financial Services LLC. com Contact 866-356-0888 Need help or want to learn more? Triumph has a dedicated support system for existing customers. Founded in 2004 and headquartered in Coppell, Texas, Triumph Business Capital provides Invoice factoring for various trucking businesses, freight brokers, staffing agencies, government contractors, oil and gas institutions. Try to use a factoring company only as a last resort the 5% looks cheap, but it is a 60% charge per year as the 5% is only for 14 to 30 days. 3. Get Started. phone number: 866-356-0888: factoring address: 651 Canyon Dr #105, Coppell, TX 75019, United States:. Dallas, TX—January 13, 2022 —Axele, LLC, a Transportation Management System (TMS) company, announces upgrades to its award-winning software, Axele TMS. Graft, Vice Chairman and CEO, and. (Nasdaq: TFIN) portfolio of brands and a leading provider of working capital financing solutions to the. He will continue. Well this company actually spoke English and is from this country. (NASDAQ:TFIN) portfolio of brands and a leading provider of working capital financing solutions to the. Insurance offered through Triumph Insurance Group,. ”. north america. ”. OUR BUSINESS TBK Bank, SSB is a Texas-state savings bank headquartered in Dallas, Texas. com Notes. 13, 2022 (GLOBE NEWSWIRE) -- Triumph, a member of the Triumph Financial, Inc. 01, 2022 (GLOBE NEWSWIRE) -- Triumph Bancorp, Inc. As a true factoring company, Triumph assumes the responsibility of collecting payment on accounts receivable, giving businesses peace of mind and freedom from payment. Average Discount of $0. O. Find contacts:. Fiscal Year-end 12/2023. . Please enter a search term. 13, 2022 (GLOBE NEWSWIRE) -- Triumph, a member of the Triumph Financial, Inc. USS FREIGHT LINES. 30. 2, the company’s common stock began trading on NASDAQ under the ticker symbol “TFIN. (Nasdaq: TFIN) is a financial holding company focused on payments, factoring and banking. Total volume purchased was just over $4 billion, up 63. (Nasdaq: TFIN) portfolio of brands and a leading provider of. Triumph Appoints Jason Heilig Chief Technology Officer of Factoring Division. Triumph’s total transportation finance solutions - factoring, fuel cards, insurance, equipment finance and cash flow management - collectively create greater value for our clients. Aaron P. | Read 21-40 Reviews out of 209Factoring Rates: 2% flat rate (if loaded through Nolan Transportation Group) Funding Advance: Up to 90% of completed contracts; Credit Facility: $10,000 to $10 million; Non-Recourse Factoring: Yes; Monthly. 1-888-724-5062. Their employees use their own egoes to work with the companies. Prior to the market open on Dec. Date of experience: 14. Martha Brock. Expense management. Feel free to reach out using any of the contact methods listed below. You and your team have helped a. (theAbout Triumph Financial. DALLAS, Dec. 575-589-0555 ext. --Triumph Bancorp, Inc. . com) and phone number (801-842-. In addition to the Triumph Financial rebranding, the brands Triumph Business Capital. Access to fuel discounts for use at 2,000+ fuel stops across the country. . Factoring gets you cash when you need it. Triumph Business Capital, Triumph Insurance Group and Triumph Commercial Finance consolidate to form new brand – Triumph December 01, 2022 16:07 ET | Source: Triumph Financial, Inc. Save 25¢ per Gallon. Highly professional and best of my knowledge. Factoring services offered by Triumph Financial Services LLC. November 23, 2015. Headquartered in Dallas, Texas, its diversified portfolio of brands includes TriumphPay, Triumph and TBK Bank. VISITOR INFORMATION. Factoring services offered by Triumph Financial Services LLC. DALLAS, July 26, 2023 (GLOBE NEWSWIRE) — Triumph, a member of the Triumph Financial, Inc. 3 million. 701 Canyon Drive # 100. ” Google Review “Easy as 1-2-3. | Read 21-40 Reviews out of 218It’s all part of our mission to HELP TRANSPORATION TRIUMPH. Building, Residential License: 81663, 62877. (Nasdaq: TFIN) portfolio of brands and a leading provider of working capital. Your Company Name* Your Company Email* Contact you are referring. We offer services such as invoice factoring, asset based. Press release content from Globe Newswire. The company works with small and medium. Prior to the market open on Dec. Triumph industries Finance: Headquarters Location: 651 Canyon Dr, Coppell, Texas, 75019 US 651 Canyon Dr, Coppell, Tex. Coppell, TX 75019. Triumph then forwards you 100% of the invoice amount within 24 hours, which you’ll presumably use to repay the factoring fee within a certain amount of time. Put the invoice number in the description section. today announced the completion of an extensive rebranding effort, including a change of the company name to Triumph. ”. 1-888-724-5062. Triumph offers a full suite of financial solutions to help your business meet long-term goals. Start today Learn more. Highly recommend working with OTR Solutions for your factoring needs. 8 out of 5 stars (based on 5 reviews) Excellent 20%. 07 m in annual revenue in FY 2022. Triumph. Triumph Business Capital (NASDAQ: TBK) Revenue: $34. Large companies increasingly stretch invoice payment from 30 days to 90 days or longer. 24% of Triumph Group employees are women, while 76% are men. From invoice factoring to flexible funding options, w. Phone Email. (Nasdaq: TFIN) portfolio of brands and a leading provider of working capital financing solutions to the transportation industry, announced today the appointment of Jason Heilig to the position of chief technology officer of its. Forward-looking statements speak only as of the date made and Triumph Financial undertakes no duty to update the information. Triumph Business Capital Address & Phone Number. (Nasdaq: TFIN) portfolio of brands and a leading provider of working capital financing solutions to the transportation industry, announced today the appointment of Jason Heilig to the position of chief technology officer of its factoring division. 01, 2022 (GLOBE NEWSWIRE) -- Triumph Bancorp, Inc. Triumph Business Capital. As a Triumph Business Capital Client you can take advantage of our Fuel Advance Program. com & phone: +1-xxx-xxx-2276's profile as Vice President Leader of HR Operations at Triumph Financial, Inc. For assistance, please contact TriumphPay Support, where a first response should be received within 8 business hours. today announced the completion of an extensive rebranding effort, including a change of the company name to Triumph Financial, Inc. El Paso, TX 79903. --Triumph Bancorp, Inc. (Nasdaq: TFIN) portfolio of brands and a leading provider of working capital financing solutions to the transportation industry, announced today the appointment of Tim Valdez as president of its factoring division. Prior to joining Triumph Business Capital, George was a principal in Collateral Risk Management, Inc. | Read 21-40 Reviews out of 211Triumph provides a unified product offering that includes invoice factoring, fuel discount programs, truck and cargo insurance and access to equipment finance, banking and treasury services. credit, factoring for owner. Read our factoring blog posts about the ins and outs of invoice factoring. Since 2004, Advance Business Capital has provided invoice factoring for over 5,000 small to mid-size businesses. 6. He will continue. Follow our LinkedIn page for news and updates. Our TBK Bank brand provides consumer,. Identification No. Read on to find out why the change is happening, who is affected, how to maintain. 2022 MM Triumph advised they are changing name to TRIUMPH FINANCIAL SERVICES from. ) at RocketReach. 3 Million What is Triumph's SIC code?All you have to do is go to your cellular carrier's store and you can get your phone number back on the spot---they'll be happy to sell you a phone if you want that, too. With freight bill factoring through TBS, you can get paid hours after delivering a load. Factoring products and services offered by Triumph Financial Services LLC , a subsidiary of TBK Bank, SSB , DBA Triumph. . We would like to show you a description here but the site won’t allow us. The Roadster Factory is the world's greatest classic British sports car company based in the USA specialising in MG and Triumph cars. 1:08. 8% from a year earlier. Wright will report to chief executive officer, Geoff…. Our experience includes guided Factory Tours lead by our Triumph Brand Ambassadors where you can enjoy a close-up look at the design, dedication and detail that goes into every Triumph motorcycle. Our full suite of solutions goes beyond your immediate needs to help you meet your long-term goals. Triumph Bancorp completed an extensive rebranding effort, including a change of the company name to Triumph Financial. (Exact name of registrant as specified in its charter) Texas (State or Other Jurisdiction. Senior Vice President, Director of Corporate Communication. Tim Valdez is a Co-Founder at Pavestone Capital based in South Jordan, Utah. "We are constantly upgrading our software based on. of Incorporation) 001-36722 (Commission. Sep 26, 2023. Since 2004, Advance Business Capital has provided invoice factoring for over 5,000 small to mid-size businesses. . English. You will have access to our Fuel Advance Program. The average employee at Triumph Group. (Exact name of registrant as specified in its charter) Texas (State or Other Jurisdiction. They called me, I listened to their spiel and started to pay for their services. The Triumph Business Capital factoring arm purchased on average $60 million in daily invoices during the quarter. Try for free at rocketreach. . 3. com, Telephone: Facsimile: To: February 10, 2016. The average invoice price was $2,291 and the company bought about 1. 2, 2022, the. UF. How many stars would you give Triumph Business Capital? Join the 214 people who've already contributed. Why Customers Choose RTSOver 35 years of experience in transportationSimple, transparent pricingIndustry-leading technologyFriendly, responsive representativesFuel cards, factoring and software in one integrated platform. 1805 reviews (as of date of writing this article) RTS financial has 9 locations. Wright will report to chief executive officer, Geoff…. Note: Changes from your default funding method must be requested by phone through our Customer Support department (888-777-5543) before noon Mountain Time. Visit Website. Menu +44 (0) 1993 707200 Email: info@bmh-ltd. 5000+ G2 reviews 5000+ G2 reviews. Your experience matters. ) 12700. International Factoring. As of December 1, 2022, our holding company has changed from Triumph Bancorp to Triumph Financial. Triumph deleted me. 17% of Triumph Group employees are Hispanic or Latino. Sector Financial Services. 5. ( 27 Reviews ) 2211 E Missouri Ave , 100. altLINE — Best for Flexibility. Fill out our 15 second inquiry form above or call us at 913-393-6110 to learn about our program options. • 354 reviews. Our success is measured by the value we bring to each and every client relationship. Integration with Triumph Business Capital, a leading invoice factoring business. 51 per diluted share. Phone: (469) 312-7222. Current Hours. [email protected] Million What is Triumph's SIC code?For the account, choose your liabilities account for factored invoices. com | 214-365-6936. today announced the completion of an extensive rebranding effort, including a change of the company name to Triumph Financial, Inc. +3. lwyse@tbkbank. 2. Read our factoring blog posts about the ins and outs of invoice factoring. DALLAS, Dec. Record the fee. Follow. The drop-off in the number of invoices purchased by Triumph for factoring was significant, according to the company’s earnings statement. For a. dba Tab Bank P O Box 150290 Ogden, UT 84415 Email: tab_ach_payments@tabbank. What Is Factoring?A high-level overview of Triumph Financial, Inc. today announced the completion of an extensive rebranding effort, including a change of the company name to Triumph Financial, Inc. Triumph Business Capital, Triumph Insurance Group and Triumph Commercial Finance consolidate to form new brand – TriumphDALLAS, Dec. Videos. See insights on Triumph Business Capital including office locations, competitors, revenue, financials, executives, subsidiaries and more at Craft. They have a portal that makes it easy to check your customer’s credit. com with the Broker/Shipper name and load number in the subject line;Triumph Financial is a factoring company in the Dallas area. A list of factoring companies with the prices, rates and fees that they charge truckers. For a. Upload and Create Paperwork. | Read 21-40 Reviews out of 211When the invoice requirement is met, the Factor Load modal will open to transmit the load details to Triumph. 4 million, plus Company common stock valued at approximately $13. Coppell, TX 75019. Triumph Business Capital Reviews 214 • Poor. As much as $3,200 per truck, per week. Entitleed to 50% Fuel Advances, 1 HOUR Turn Around Time on all Fuel Advances, FREE Transfers to your Cash4Truckers Discount Fuel Card and just a $15. | Read 121-140 Reviews out of 211DALLAS, Dec. The cost of factoring depends on a few factors related to your business, but when you factor with us, you can expect quick access to at least 96% of your invoice amount (in some cases, even more). ) 12700. Mobile and web app for factoring, fuel discounts, credit reports and more. In this new role, Valdez will now oversee the strategic direction of Triumph’s factoring vertical. 6. SHOP. 2, 2022, the Company’s common. Events. Triumph Development Group LLC in Fayetteville, NC | Photos | Reviews | Based in Fayetteville, ranks in the top 99% of licensed contractors in North Carolina. He is responsible for driving the strategy, vision, and growth suppo rting TriumphPay’s factor vertical, ensuring the wants and needs of factoring companies are well integrated into the platform. 99 Plus 3$ arch transfer And also non reverse account They told me if the broker doesn't pay or goes. How many stars would you give Triumph Business Capital? Join the 212 people who've already contributed. 9 million. Triumph Business Capital contact info: Phone number: (866) 368-2482 Website: What does Triumph Business Capital do? Triumph Business Capital is a company that operates in the Real Estate industry. 13, 2022 (GLOBE NEWSWIRE) -- Triumph, a member of the Triumph Financial, Inc. 1 Triumph Business. (Nasdaq: TBK) group and provider of working capital financing solutions to small and medium-sized business, announced today the appointment of Rob Wright as chief product officer. 1 review. English. Dallas, Texas 75251. In most cases, you’ll be eligible for a 50% fuel advance & we can deposit that money into your account or onto your Triumph fuel card. (Nasdaq: TFIN) portfolio of brands and a leading provider of working capital financing solutions to the. Oilfield Factoring. TriumphPay is creating a fully integrated payments network for transportation. George has more than 36 years of experience in commercial finance including factoring, asset based lending, business evaluations, loan work out and field auditing. It offers depository products, including checking,. Enjoy a behind-the-scenes discovery of the design, dedication and detail that goes into every Triumph motorcycle. The good reviews are good, and the bad reviews are, well… quite bad. Triumph Bancorp’s factoring business got noticeably smaller in the second quarter of this year, according to the earnings released by the company Monday. For the third quarter, we earned net income to common stockholders of $12. 7. 5. First Name* Last Name* Phone* Email* Name of the Company You are Referring* We take you privacy seriously. Phone calls, emails and funding are promptly taken care of. Get 5 free searches. Once they become a Triumph factoring client, we’ll automatically deposit a $100 credit to your cash reserves. I inquired to Triumph Business Capital about factoring two invoices I had unpaid, instead of waiting 30 days they were able to provide me a term sheet same day, underwrite me within 2 weeks, and fund the same day. 2 million with operating margin of 9%; adjusted operating. TRIUMPH FINANCIAL, INC. TRIUMPH FINANCIAL, INC. For applicants or existing customers looking for support, you can email requests@tbcap. Triumph provides a unified product offering that includes invoice factoring, fuel discount programs, truck and cargo insurance and access to equipment finance, banking and treasury services. (Nasdaq: TBK) (the “Company”) announced today the close of the acquisition of the transportation factoring assets of Transport. Small Motor Carrier Archives | Triumph Business Capital, Truck Factoring, Trucking Company Archives | Triumph Business Capital, Trucking Factoring Factoring, Freight Brokers, Trucking June 20, 2017Dec 14. Our Company. , and any organization identification number issued to the Client; (c). The integration allows trucking firms to send invoices seamlessly from the Axele TMS to Triumph factoring for a smoother experience and faster time-to-cash. Triumph Bancorp rebranded to Triumph Financial. Thank you! Date of experience: 15 April 2016. (the “Company” or “Triumph Financial”). No credit card. “I want to thank you for helping our customers with the opportunity to have a better option for alternative financing. Triumph Capital is here to educate you and help your business. (Exact name of registrant as specified in its charter) Texas (State or Other Jurisdiction. As a Triumph Business Capital Client you can take advantage of our Fuel Advance Program. With over 24 years of. DALLAS, Dec. Send bulk invoices to customers, manage your accounts, and get reminders for missing documents. President, Factoring Division @ Triumph; Chief Operating Officer @ TriumphPay; Senior Vice President - Factor Leader. Fri, 10 Nov, 2023 at 9:45 AM.