Who Owns Bsi | Keyword Rankings

Google Keyword Rankings for : who owns bsi

1 BSI's Corporate and Offering Overview
https://www.bsigroup.com/en-US/about-bsi/Media-Center/BSI-Corporate-overview/
Comprising over 4,500 staff -- of which 59% are outside of the UK - BSI is led by Chief Executive Howard Kerr from its headquarters in London. BSI helps its ...
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2 BSI Group - Wikipedia
https://en.wikipedia.org/wiki/BSI_Group
The British Standards Institution (BSI) is the national standards body of the United Kingdom. BSI produces technical standards on a wide range of products ...
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3 Fitch Affirms BSI Financial Services' U.S. RMBS Servicer Ratings
https://www.fitchratings.com/research/structured-finance/fitch-affirms-bsi-financial-services-us-rmbs-servicer-ratings-26-05-2021
BSI's parent entity, BSI Financial Holdings, Inc., was incorporated in 2012 in Delaware. The company is headquartered in Irving, TX, with ...
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4 Gagan Sharma, BSI Financial Service Inc: Profile and Biography
https://www.bloomberg.com/profile/person/19242126
Gagan Sharma is President/CEO at BSI Financial Service Inc. See Gagan Sharma's compensation, career history, education, & memberships.
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5 BSI Financial Services Leadership Team
https://www.bsifinancial.com/team.html
About Us · Leadership · Core Services · Technology · News · Careers · Reach Us. Enabling Sustainable Home Ownership. My account login. Our team ...
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6 Consumer Financial Protection Bureau Settles with BSI ...
https://www.consumerfinance.gov/about-us/newsroom/bureau-settles-bsi-financial-services/
The Consumer Financial Protection Bureau (Bureau) today announced a settlement with BSI Financial Services (BSI), a mortgage servicer ...
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7 What is British Standards Institution (BSI)? - TechTarget
https://www.techtarget.com/whatis/definition/British-Standards-Institution-BSI
BSI was founded in 1901 in the UK as the Engineering Standards Committee and now operates in more than 140 countries globally. BSI British Standards, part of ...
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8 BSI - British Standards Institution - ISO
https://www.iso.org/member/2064.html
BSI has a Memorandum of Understanding with the UK Government, which establishes the position of BSI as the recognized UK National Standards Body ...
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9 Gagan Sharma - President & CEO - BSI Financial Services
https://www.linkedin.com/in/gagan-sharma-bsi
Led an investment group to acquire the company from its former parent bank in 2006. Has transformed the company from a small lender into an innovative & growing ...
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10 BSI Financial Services Company Profile: Acquisition & Investors
https://pitchbook.com/profiles/company/57499-48
Information on acquisition, funding, cap tables, investors, and executives for BSI Financial Services. Use the PitchBook Platform to explore the full ...
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11 BSI - Crunchbase Company Profile & Funding
https://www.crunchbase.com/organization/bsi
BSI Group, also known in its home market as the British Standards Institution, is a multinational business services.
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12 BSI Financial Services, Inc. Company Profile | Titusville, PA
https://www.dnb.com/business-directory/company-profiles.bsi_financial_services_inc.8c7802c5b76c22e3fce3d92ceb6ef14e.html
Find company research, competitor information, contact details & financial data for BSI Financial Services, Inc. of Titusville, PA.
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13 BSI Solutions Inc. – BSI Solutions is your business staffing and ...
https://bsisnc.com/
BSI Solutions is a technology and innovation firm that provides business solutions for global, corporate, and governmental partners.
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14 The Core Foundation & Principles | BSI Engineering Inc.
https://bsiengr.com/about/
We are truly an employee-owned company with over 90% of eligible employees owning some part of BSI. As a result, we attract the best and the brightest engineers ...
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15 Working at BSI Financial - Glassdoor
https://www.glassdoor.com/Overview/Working-at-BSI-Financial-EI_IE844010.11,24.htm
We are an experienced financial services company, providing loan due diligence, quality control and loan servicing and subservicing. The company employs ...
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16 BSI Financial Services - Overview, News & Competitors
https://www.zoominfo.com/c/bsi-financial-services-inc/16158224
Sean McGowan will lead HR, training and company culture; Shannon Clay to head investor reporting, reconciliations and cash management initiatives —Both leaders ...
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17 Overview - BSI Constructors
https://www.bsistl.com/about/overview
After a successful sixteen-year run at Bannes-Shaughnessy, Bannes sold his stock to Joe Shaughnessy who then became sole owner of the company. To signal the ...
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18 Welcome to BSI ESOP - A Menke Company
https://bsiesop.com/
BSI provides complete consulting and web-based, SSAE 16 attested administration services for our clients. BSI started business in 1973, and our original and ...
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19 Your BSI Questions Answered - FairShake
https://fairshake.com/bsi/mortgage-questions-answered/
Who owns BSI? ... BSI is owned by Service One, Inc. They were purchased in 2006. The parent entity is BSI Financial Holdings, 2012. Where is BSI headquartered ...
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20 BSI | Home - My Loan Web
https://myloanweb.com/BSI/
BSI Financial Services ... Company. About UsContact UsNMLS Consumer Access ... Servis One, Inc dba BSI Financial Services NMLS #38078.
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21 Validate BSI-issued certificates
https://countrysites.bsiuat.com/en-SE/validate-bsi-issued-certificates/
Validate BSI-issued certificates. Check company, site and product certificates ... Validate a BSI-issued certificate for ISO standards, Kitemark™ and audits.
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22 BSI Professional Services Reviews, Ratings & Features 2022
https://www.gartner.com/reviews/market/organization-security-certification-services/vendor/bsi-group/product/bsi-professional-services
Very trustworthy third-party auditors. They perform third party audits for ISO certifications of our company. They are very objective and serious in the ...
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23 2022 BSI Financial Services Review - ConsumerAffairs
https://www.consumeraffairs.com/finance/bsi_financial_services.html
BSI Financial Services is a loan servicing company that handles loan payments and borrower inquiries. You can manage your account online and also work through ...
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24 BSI Group
https://www.adsgroup.org.uk/members/bsi-group-1/
BSI is the business improvement company that enables organizations to turn standards of best practice into habits of excellence. For over a century BSI has ...
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25 About Us - BSI - The Benefit Services Company
https://bsi-va.com/about
BSI was founded in 1988 and is privately owned. BSI began business operations specializing in the design, development and management of Voluntary Worksite ...
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26 IAQG Is Now Running Ads for BSI, the Certification Body It's ...
https://www.oxebridge.com/emma/iaqg-is-now-running-ads-for-bsi-the-certification-body-its-supposed-to-be-overseeing/
BSI was found to have certified the company responsible for the manufacture of defective angle-of-attack indicators that led to the Boeing ...
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27 S&P Ranks BSI Financial Services as a Residential Primary ...
https://www.prnewswire.com/news-releases/sp-ranks-bsi-financial-services-as-a-residential-primary-servicer-301192958.html
PRNewswire/ -- BSI Financial Services, a mortgage-centric financial services company, announced that S&P Global Ratings has affirmed the ...
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28 As it Begins 50th Year, BSI Constructors Announces ...
https://stlouiscnr.com/as-it-begins-its-50th-year-bsi-constructors-announces-an-expanded-ownership-group/
BSI Constructors will celebrate its 50th anniversary on December 18, 2022. Founded by Lorenz Bannes and Joseph Shaughnessy in 1972, ...
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29 BSI Financial Services - Headquarters Locations, Products ...
https://www.cbinsights.com/company/bsi-financial-services
BSI Financial Services specializes in loan servicing and subservicing, ... Tencent Holdings (SEHK: 700) is a Chinese investment holding company whose ...
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30 BSI has supported iPRO in achieving recent certification to ...
https://iprosolutions.co.uk/company/news/bsi-has-supported-ipro-in-achieving-recent-certification-to-three-key-international-standards
In early 2015, iPRO changed its certification partner, appointing BSI, at that stage to audit and update its certifications to ISO 9001 and ISO 14001. “We ...
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31 BSI FINANCIAL SERVICES - 75 Reviews - Yelp
https://m.yelp.com/biz/bsi-financial-services-irving
Horrible company. When our loan got sold to them- we have had nothing but trouble. They take your money each month for escrow but then… read more.
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32 Export Enabler BSI Group Philippines, Inc. - IFEXConnect
https://www.ifexconnect.com/export-enablers/bsi-group-philippines-inc
BSI (British Standards Institution) by Royal Charter, is the business standards company that equips businesses with the necessary solutions to turn standards of ...
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33 Training Provider & Examiner Certification Scheme (TPECS)
https://bsi.learncentral.com/TPECS.aspx
BSI is an Exemplar Global Certified TPECS Provider for the following ... Not only have we streamlined the class, you can even take classes at your own pace.
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34 BSI: Revenue, Competitors, Alternatives - Growjo
https://growjo.com/company/BSI
... ISO Certification, ISO Training BSI is the business standards company that helps over 80,000 clients worldwide adopt standards of best practice and turn ...
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35 Moving to fully recognised certification body BSI to be global
https://tratosgroup.com/news/moving-to-fully-recognised-certification-body-bsi-to-be-global/
Established in 1966 as a family-owned business, Tratos Group has grown into a global cable manufacturer dedicated to delivering global ...
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36 CFPB settles with BSI Financial Services over numerous ...
https://www.housingwire.com/articles/49167-cfpb-settles-with-bsi-financial-services-over-numerous-mortgage-servicing-issues/
CFPB accused BSI of improperly handling mortgage servicing transfers ... servicers when boarding loans,” the company said in a statement.
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37 Brokers/ Consultants - BSI Companies
https://bsicompanies.com/brokers-consultants/
BSI is neither owned by nor structured as an insurance company. We are an independent, family-owned, Third Party Administrator where every employee is ...
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38 BSi Steel Company History | History Of The Leading Steel ...
https://www.bsisteel.co.za/company-history/
In 2001, the company changed its name from Discount Steel to BSi Steel. In October 2007, BSi listed on the ALTx stock exchange in Johannesburg. R100m was ...
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39 BSI Financial Services's Competitors, Revenue ... - Owler
https://www.owler.com/company/bsifinancial
BSI Financial Services's President & CEO, Gagan Sharma, currently has an approval rating of 70%. BSI Financial Services's primary competitors are ServiceMac, ...
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40 BSI Company Profile | DiversityJobs - LatPro.com
https://www.latpro.com/employer/company/2339/Bsi
BSI is the business standards company that equips businesses with the necessary solutions to turn standards of best practice into habits ...
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41 Servis One Inc., dba BSI Financial Services, Inc.
https://www.makinghomeaffordable.gov/node/973098
Servis One Inc., dba BSI Financial Services, Inc. Address Line 1. P.O. Box 517. Addressee. Attn: HAMP Department. Address Line 2. 314 S. Franklin Street.
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42 About BSI - BSI Life Sciences
https://www.bsi-lifesciences.com/about-bsi
Private ownership, with employees being part owners. No hierarchies. ... Software solutions from BSI score as smart and user-friendly tools.
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43 BSI Shareholders Definition | Law Insider
https://www.lawinsider.com/dictionary/bsi-shareholders
If BSI (on its own behalf and on behalf of the BSI Shareholders) waives compliance with any of the conditions, obligations or covenants contained in this ...
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44 How a 20-Year Partnership Innovated the Office Furniture ...
https://khamsoft.com/khameleon-bsi-partnership-transforms-industry/
Within BSI, customer service and accounting are the heaviest users of Khameleon in the company. Since the organization is so complex, ...
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45 BSI Group Singapore Pte Ltd
https://www.britcham.org.sg/membership-directory/corporate/82520
British Standards Institution (BSI), a trusted Royal Charter brand that helps organizations ... Company LinkedIn: https://sg.linkedin.com/company/bsi ...
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46 BSI Financial Services Taps Yarbrough as SVP, Chief ...
https://mortgageorb.com/bsi-financial-services-taps-kelli-yarbrough-as-svp-chief-lending-officer
Before that, she held a similar position at RoundPoint Mortgage Servicing Corp., where she helped launch the company's mortgage origination ...
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47 Working at BSI Financial Services: 64 Reviews | Indeed.com
https://www.indeed.com/cmp/Bsi-Financial-Services/reviews
Do not follow work policy per each employee, leniency was granted depending on employee. Company overall is poorly managed and does not look out for employees ...
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48 About BSI - Batching Systems, Inc
https://batchingsystems.com/about-bsi/
Batching Systems, Inc. (BSI) is a privately owned company based in Prince Frederick, MD and has been operating since June 1, 1989, when our founder Donald ...
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49 Bsi neville clarke – a bsi professional services company - Lusha
https://www.lusha.com/business/5b145c0862d948d0/
Reach decision-makers at BSI Neville Clarke – A BSI Professional Services Company. Find their phone numbers & email addresses. It's free. - Lusha.
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50 British Standards Institution (BSI)
https://www.abtt.org.uk/people/british-standards-institution/
BSI is the business standards company that helps organisations make excellence a habit – all over the world. Their business is enabling others to perform ...
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51 BSI
https://www.bsi.com.au/
We help them Access Capital, Grants and Customers, and connect them with people who can help them grow their business. · BSI Connect · BSI VC · Innovation ...
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52 BSI Financial Services | Better Business Bureau® Profile
https://www.bbb.org/us/ca/irvine/profile/loan-servicing/bsi-financial-services-1126-172014691
All customer reviews are handled by the BBB where the company is Headquartered or a central customer review processing location.
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53 About Us - BSI Designs
https://bsidesigns.com/about/
In 2009, Brass Smith, Inc. came together with a rapidly emerging stainless-steel fabrication company, Kevry, to form BSI, LLC. With the combined skill sets of ...
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54 BSI Group - Remote Work From Home & Flexible Jobs
https://www.flexjobs.com/remote-jobs/company/bsi_group
Founded over 100 years ago in 1901 by the man who designed London's Tower Bridge, Sir John Wolfe-Barry, BSI Group is headquartered in London, England, United ...
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55 BSI MERCH LIMITED overview - Companies House - GOV.UK
https://find-and-update.company-information.service.gov.uk/company/08299822
BSI MERCH LIMITED - Free company information from Companies House including registered office address, filing history, accounts, annual return, officers, ...
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56 BSI Company Profile - Broadcast Software International
https://bsiusa.com/about/profile/profile.htm
BSI was founded in 1989 by former President Ron Burley. In 1991, when PC multimedia was in it's infancy, Mr. Burley developed a software version of the radio ...
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57 Homepage for the BSI Group of companies - BSIdk Group
https://bsidk.com/
BSI Group provides you with a unique selection of specialist equipment for cruising, racing, and super yachts from the most dedicated brands in the business ...
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58 British Standards Institution (BSI) Profile completed by ...
https://labor.history.ucsb.edu/sites/secure.lsit.ucsb.edu.hist.d7_labor/files/sitefiles/CSR_Research_Files/BSI%20Summary%20Essay.pdf
created their own symbol to signal compliance, Kitemark, “a registered certification mark owned and operated by BSI... one of the most ...
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59 Revenue increase of 15 percent: BSI on a path of growth
https://www.bsi-software.com/en/newsroom/pr-en/revenue-increase-of-15-percent-bsi-on-a-path-of-growth
With its BSI Customer Suite, the Swiss software company BSI has an integrated platform for the digital transformation of customer ...
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60 British Standards Institution (BSI)
https://global.ihs.com/standards.cfm?publisher=BSI
S&P Global offers a wide range of standards and specifications from the British Standards Institute (BSI), available in hardcopy or PDF download.
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61 Belize Sugar Industries Limited - IDB Invest
https://idbinvest.org/en/projects/belize-sugar-industries-limited
(ASR) since 2012, is the main sugar mill and sugar exporter of Belize. In addition, BSI also owns and operates a 31.5 MW cogeneration energy power plant ( ...
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62 About Us - BSI - Building Service Inc.
https://buildingservice.com/who-we-are/about/
Our passion is creating workspaces that integrate design, craftsmanship, furniture and technology - giving people a space to thrive. We embrace our own culture ...
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63 About BSI Insurance Brokers | Servicing Winnipeg and ...
https://www.bsimb.com/about/
Land acknowledgment – BSI Insurance's head office in Letellier, Manitoba, our corporate office in St. Norbert, Manitoba, and all 16 locations are located on ...
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64 BSI - Home
http://www.bettendorfstanford.com/
The Bettendorf Company was the original manufacturer of the micro bread slicer and slicer blades. With the purchase, the company was moved in 1966 from ...
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65 British Standards Institution Settles BSI TM Dispute - Law360
https://www.law360.com/articles/1481154/british-standards-institution-settles-bsi-tm-dispute
Judge Hacon did not make an order for costs. The BSI brought claims against Bionic Services in September, alleging the company infringed its ...
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66 History of Bonsucro
https://bonsucro.com/history-of-bonsucro/
In 2010, BSI focused on the development of the certification model. Without the Packard funding the Better Sugar Cane Initiative would not have been able to ...
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67 Robertshaw Acquires Burner Systems International
https://www.robertshaw.com/News/News-Items/Robertshaw-Acquires-Burner-Systems-International/
The acquisition by Robertshaw includes BSI's 863 employees along with BSI's headquarters, engineering center and manufacturing hub in Chattanooga, Tennessee as ...
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68 BSI Certificate - HDFC Ergo
https://www.hdfcergo.com/documents/Certificate%20of%20Registration.pdf
(Claims). Ground Floor, Eros Corporate Tower. Nehru Place. New Delhi 110 019. India. Corporate claims, Own Damage Claims. HDFC ERGO General Insurance Company ...
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69 BSI to certify organisations to the revised food safety standard ...
https://www.cleanroomtechnology.com/news/article_page/BSI_to_certify_organisations_to_the_revised_food_safety_standard_ISO_22000/150751
The business standards company has gained accreditation from ANAB. BSI ... The ANSI-ASQ National Accreditation Board (ANAB) has granted BSI ...
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70 Bsi Limited - Company Details
https://www.thecompanycheck.com/company/bsi-limited/U01115MP1943PLC000221
Bsi Limited is a 79 years 2 months old, private Indian Company, registered at Bhopal with a paid-up capital of Rs.40261500. Find details of its financials, ...
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71 What is BSI approval? - ADVA Optical Networking
https://www.adva.com/en/products/technology/what-is-bsi-approval
Furthermore, and contrary to Common Criteria certification, the BSI selects the vendors' systems that will be tested and performs the tests in their own ...
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72 Working At B.S.I.: Employee Reviews and Culture - Zippia
https://www.zippia.com/bsi-careers-1309238/
The company is 38.5% female and 40.3% ethnic minorities. The diversity in B.S.I. employees extends to employee political beliefs.
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73 Intellectual Property Policy - buildingSMART International
https://www.buildingsmart.org/wp-content/uploads/2021/06/bSI-Intellectual-Property-Policy.pdf
3.5 bSI's Board shall oversee this Policy and its implementation. 4. Ownership and Licences of IP. 4.1 bSI owns any and all IP created by bSI employees in the ...
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74 Profile & Leadership | JCBank.com
https://www.jcbank.com/know-jcb-bsi/bsi-investor-relations/profile-leadership
BSI is privately owned, but broadly held by over 400 stockholders and is managed by the following officers. Select a photo for contact information. 1 Veatch ...
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75 About BSI
http://www.businesssynergetics.com/About_BSI/
BSI is a worldwide company headquartered in Nashville, Tennessee with offices in Charlotte and Tulsa. We are known by our clients as a true ...
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76 Golden Leaves awarded BSI ISO: 9001 Business Excellence ...
https://www.goldenleaves.com/bsi-iso-9001-business-excellence-standard/
BSI will continue to audit Golden Leaves annually and ensure the standard continues to be upheld. In the meantime, the company will begin preparing for the next ...
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77 BSI Pharmaceutical Packaging Certification
https://www.thepackagingportal.com/industry-news/bsi-pharmaceutical-packaging-certification/
The company continues to be certified to ISO 9001: 2008, incorporating the requirements of PS9000: 2011. The quality management system standard ...
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78 The TRUTH About BSI Financial Services - Facebook
https://www.facebook.com/thetruthaboutbsifinancialservices/
This page is about experiences with BSI Financial Services also known as ... and the homeowner's wife that September just sold what she had owned for 19 ...
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79 BSI Logo ISO 90012015 - Tactical & Security Robotics Products
https://icortechnology.com/company/bsi-logo-iso-90012015-2/
› Company
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80 Colpac receives British Standards Institution (BSI) award for ...
https://colpacpackaging.com/colpac-receives-british-standards-institution-bsi-award-for-creation-of-food-sector-ppe/
... the company's use of BSI standards in the design and manufacture of Personal Protective Equipment (PPE) for its own manufacturing team, ...
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81 BSI Company Profile - DiversityJobs
https://diversityjobs.com/employer/company/2339/Bsi
BSI is the business standards company that equips businesses with the necessary solutions to turn standards of best practice into habits ...
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82 BSI (Building Service Inc.) Overview - SignalHire
https://www.signalhire.com/companies/bsi-building-service-inc
BSI (Building Service Inc.) is a private company that has been in the industry for 75 years. The company currently specializes in the Furniture, ...
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83 Fiserv's Solution for BSI Financial - Yahoo Finance
https://finance.yahoo.com/news/fiservs-solution-bsi-financial-152901913.html
Recently, Fiserv, Inc. (FISV) declared that its LoanServ solution has been adopted by BSI Financial Services (BSI). The company's LoanServ ...
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84 BBVA Securities Inc. (BSI) - BBVA Compass Investor Relations
https://bbvausa.investorroom.com/index.php?s=17610
BSI is a wholly owned subsidiary of BBVA USA Bancshares, Inc., which is a wholly owned subsidiary of Banco Bilbao Vizcaya Argentaria, S.A., ...
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85 Untitled
http://bsielectric.com/
BSI electrical and electronic contractors - Home. ... We are a full electrical and electronic contracing company that offers variaties of industrial ...
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86 Top 10 British Standards Institution (BSI) Alternatives 2022 - G2
https://www.g2.com/products/british-standards-institution-bsi/competitors/alternatives
This is how G2 Deals can help you: Easily shop for curated – and trusted – software; Own your own software buying journey; Discover exclusive deals on software.
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87 BSI Reviews | Read Customer Service Reviews of bsigroup.com
https://www.trustpilot.com/review/bsigroup.com
How many stars would you give BSI? ... People review on their own initiative ... I would like to call and make a payment but BSI charges a 25.00 fee?
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88 BSI Group ANZ Pty Ltd. - ANSI Accreditation
https://anabpd.ansi.org/Accreditation/product-certification/AllDirectoryDetails?&prgID=204&OrgId=128&statusID=4
The ANSI National Accreditation Board (ANAB) is a wholly owned subsidiary of the American National Standards Institute (ANSI), a nonprofit corporation. Useful ...
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89 BSI - definition of BSI by The Free Dictionary
https://www.thefreedictionary.com/BSI
BSI is a business improvement company that enables organizations to turn standards of best practice, into habits of excellence.
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90 BSI: breaking tradition through technology - B2e Media Ltd.
https://www.b2e-media.com/executiveinsights/bsi-breaking-tradition-through-technology
Dan Purtell, Group Director of Innovation, joined BSI through the acquisition of a supply chain business he sold to the company in 2009.
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91 Bob Smith Industries
https://bsi-inc.com/
bsi adhesives. Your Adhesive Company ... BSI manufactures a full line of epoxy and cyanoacrylate (CA) adhesives for hobby and industrial use, with over 1800 ...
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92 SAP Receives Global Certification for Data Protection and ...
https://news.sap.com/2018/05/sap-receives-global-certification-data-protection-privacy-bsi/
Certification by British Standards Institution (BSI) is testimony that ... from BSI, the business standards company that equips businesses ...
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93 Brexit Update: New Notified Body Designated in The ... - Emergo
https://www.emergobyul.com/blog/2018/12/brexit-update-new-notified-body-designated-netherlands
BSI has now two NBs, each with its own NB number. The designation of an NB in The Netherlands is a relief for manufacturers currently certified ...
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94 BSI Financial Announces Key Executive Promotions
https://strategicvantage.com/bsi-financial-announces-key-executive-promotions
Irving, Texas – August 18, 2020 – BSI Financial Services, a mortgage-centric financial services company, today announced it has promoted ...
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95 BSI Constructors Inc. BizSpotlight - St. Louis Business Journal
https://www.bizjournals.com/stlouis/press-release/detail/7007/BSI-Constructors-Inc
Paul (President) & Jim Shaughnessy (Executive Vice President) are the current primary shareholders. In 2021, BSI began an ownership succession ...
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96 BSI to purchase mortgage servicing rights following capital raise
https://www.nationalmortgagenews.com/news/bsi-to-purchase-mortgage-servicing-rights-following-capital-raise
BSI Financial Services received a capital infusion for the subservicer to acquire mortgage servicing rights for its own account in order to ...
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97 Settlement Agreement with Servis One, Inc dba BSI Financial ...
https://www.dfs.ny.gov/system/files/documents/2020/04/ea140214_servis_one.pdf
One, Inc. DBA BSI Financial Services ("BSI" or "Applicant") and the New York ... Ten of 12 U.S.C. 2609, and making the payments to the owner of the loan or ...
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