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Google Keyword Rankings for : occupational pension divorce

1 How to Protect Your Pension in Divorce: 4 Ways - Investopedia
https://www.investopedia.com/articles/retirement/072916/how-protect-your-pension-divorce.asp
A pension earned by one spouse is generally considered a joint asset, which means it's subject to division in divorce. If a marital split is in the works, the ...
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2 Is My Spouse Entitled to My Pension in a Divorce? - SmartAsset
https://smartasset.com/retirement/is-my-spouse-entitled-to-my-pension
A general rule of thumb when it comes to splitting pensions in divorce is that a spouse will receive half of what was earned during the marriage ...
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3 Pension sharing on divorce - Techzone
https://techzone.abrdn.com/public/pensions/Tech-guide-pension-sharing-div
Key points. Pension sharing splits pension rights between the divorcing parties, giving them each pensions in their own name and providing a ...
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4 Divorce or dissolution: how we can help with your pension
https://www.moneyhelper.org.uk/en/family-and-care/divorce-and-separation/divorce-or-dissolution-how-we-can-help-with-your-pension
If you're married or in a civil partnership and you decide to divorce, or dissolve your partnership, the court should take any pension rights into account. In ...
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5 How long after divorce can you claim a pension? - PensionBee
https://www.pensionbee.com/pensions-explained/pension-rules/how-long-after-divorce-can-you-claim-a-pension
When a couple gets divorced their pensions are usually included in the financial settlement along with property and other assets.
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6 Divorce | Occupational Pension Schemes
https://stmpensions.com/divorce/
A pension sharing order has the effect of splitting the Members Account by a specified percentage. The Members Account is then reduced by that percentage and ...
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7 What can you do with a pension on divorce? - BDB Pitmans
https://www.bdbpitmans.com/insights/what-can-you-do-with-a-pension-on-divorce/
Just like other assets, the fact that pensions belong to one person at the start of a divorce does not make a difference. This does not stop the ...
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8 Pensions on separation and divorce
https://www.pensionsauthority.ie/en/lifecycle/pensions_on_separation_and_divorce/
The pension entitlements of you and your spouse/civil partner/qualified cohabitant arising from occupational or personal pension arrangements may be affected by ...
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9 Divorce and pensions explained - Royal London
https://www.royallondon.com/articles-guides/pensions-and-retirement/divorce-and-pensions/
Pension sharing works by splitting the pension benefits at the time of the divorce. The partner without the pension receives a share of the pension benefits ...
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10 Pension sharing on divorce: a practical guide for trustees
https://content.next.westlaw.com/practical-law/document/Ib555455ee83211e398db8b09b4f043e0/Practice-note-Pension-sharing-on-divorce-a-practical-guide-for-trustees?viewType=FullText&originationContext=document&transitionType=DocumentItem&ppcid=61a0463daacf457188a4bdf6b7cfc022&contextData=(sc.DocLink)
Traditionally it was not possible to grant the spouse of a scheme member any rights to the member's pension on a divorce or other marital breakdown. Financial ...
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11 What are my pension rights in a divorce? - Times Money Mentor
https://www.thetimes.co.uk/money-mentor/article/pension-rights-divorce/
In England, Wales and Northern Ireland, the value of all workplace and private pensions is included in divorce settlements, whether they were built up ...
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12 A Guide to the Treatment of Pensions on Divorce
https://www.nuffieldfoundation.org/sites/default/files/files/Guide_To_The_Treatment_of_Pensions_on_Divorce-Digital(1).pdf
Out policies; where there are older occupational pension schemes with high tax-free allowances; where there is a significant disparity in ...
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13 Protect your pension in a divorce | unbiased.co.uk
https://www.unbiased.co.uk/discover/pensions-retirement/managing-a-pension/pensions-and-divorce-how-to-protect-yourself
In a divorce, pensions are considered along with the other financial assets of the marriage. It's important to note that a divorce by itself ...
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14 Dividing pensions on divorce or dissolution - MoneyHelper
https://www.moneyadviceservice.org.uk/en/articles/dividing-pensions-on-divorce-or-dissolution%23pensions-you-can-divide
In divorce or dissolution, the pension can be the biggest asset after the family home. You can split pensions several ways, so it's worth understanding the ...
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15 A survival guide to pensions on divorce - Advicenow
https://www.advicenow.org.uk/pensions
If you are facing the end of your marriage or civil partnership it is really important not to overlook pensions. We know that divorce is one of the most ...
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16 Pensions and Divorce | PruAdviser - M&G
https://www.mandg.com/pru/adviser/en-gb/insights-events/insights-library/pensions-and-divorce
Pension schemes are allowed to pass on the costs of implementing pension sharing orders to divorcing couples. The regulations don't specify ...
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17 Pension Sharing Order: Your Complete Guide
https://pinningtonlaw.co.uk/financial-settlements/pension-sharing/pension-sharing-order/
Sharing. Pension sharing is a formal agreement to divide your pension assets at the time of divorce. The courts work out exact percentages and the receiving ...
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18 Pension sharing on divorce: a practical guide for trustees
https://uk.practicallaw.thomsonreuters.com/4-376-6691?transitionType=Default&contextData=(sc.Default)
This practice note explains the effect of pension-sharing orders on tax-registered occupational pension arrangements and considers the steps trustees must take ...
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19 Workplace pensions: Get help - GOV.UK
https://www.gov.uk/workplace-pensions/get-help
If you're getting a divorce. You and your spouse or partner will have to tell the court the value of each of your pension pots. You then have different options ...
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20 Divorce - Peninsula Pensions
https://www.peninsulapensions.org.uk/members/local-government/your-pension-scheme/divorce/
Your pension rights could be one of your most valuable assets, so in the event of divorce or the dissolution of a civil partnership, your ex-spouse or ...
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21 Divorce - AA Pension Scheme
https://aapensions.com/scheme-information/divorce
The ex-spouse's entitlement is then transferred into his or her occupational pension scheme or a personal or stakeholder pension, or another suitable type of ...
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22 How much of your husband's pension are you entitled to?
https://www.qredible.co.uk/b/divorce-husbands-pension-entitlement/
Yes, you will be to your husband's pension. However, because of how marital assets are split in a divorce, you may not receive all of your share ...
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23 What Women Facing Divorce Must Know About Spousal ...
https://www.pensionrights.org/what-women-facing-divorce-must-know-about-spousal-retirement-benefits/
Under the law in most states, retirement plan assets earned during a marriage are considered to be marital property that can and should be ...
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24 I'm getting divorced. What happens to my pension pot?
https://thepeoplespension.co.uk/help/knowledgebase/im-getting-divorced-what-happens-to-my-pension-pot/
If you have a pot with The People's Pension, depending on what your ex-spouse decides, we can either set up a pension pot with The People's Pension which will ...
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25 Your FAQs | Pensions on Divorce | Pension Sharing Order
https://www.sharingpensions.co.uk/yourques3.htm
The former spouse will have to apply to the Benefits Agency to secure retirement benefits based on their former partners contributions. These benefits will not ...
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26 Chapter 22 - Pension Adjustment Orders - Revenue
https://www.revenue.ie/en/tax-professionals/tdm/pensions/chapter-22.pdf
The provisions of the Family Law (Divorce) Acts and the Civil Partnership and ... The PAO beneficiary may transfer the benefits to an occupational pension ...
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27 You and your partner are separating - Bpf Koopvaardij
https://www.koopvaardij.nl/en/pensioner/situation/separating/
According to the law, your ex-partner is entitled to half* the occupational retirement pension that you built up when you were married or had a registered ...
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28 Pensions And Divorce - Pension Splitting In Divorce - Brabners
https://www.brabners.com/blogs/pensions-and-divorce-0
The starting point is that all pensions that you and your ex-partner have accumulated will be included within the divorce proceedings, whether ...
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29 What happens to pensions when you divorce?
https://www.divorce-online.co.uk/finances/pensions/
Pension rights after divorce in England or Wales. In England or Wales, all workplace and private pensions are included in divorce settlements, whether built up ...
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30 Divorce - BVK
https://bvk.ch/en/occupational-benefits-insurance/stages-of-your-life/divorce
You and your partner both continued to make pension contributions while you were married. Different salaries, employment conditions and pension fund regulations ...
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31 Pensions and divorce—overview - Lexis®PSL, practical ...
https://www.lexisnexis.com/uk/lexispsl/pensions/document/393977/569H-B8T1-F18D-2143-00000-00/Pensions_and_divorce_overview
Trustees of private sector occupational pension schemes may encounter issues when implementing pension sharing orders and pension attachment orders. Such issues ...
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32 Your police pension - how is it handled upon divorce?
https://www.lexology.com/library/detail.aspx?g=6063f62d-2119-4343-bbee-e65793e631f6
Your pension(s) and those of your ex-spouse/civil partner should be considered together to ensure that both your retirement needs are met, ...
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33 Thomas Geiser -‐ Divorce and the law of pension funds
https://www.iafl.com/media/1154/pension_splitting_in_switzerland.pdf
In the case of a divorce in a foreign country and with retirement assets in ... where the seat of the occupational pension institution is located.
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34 Pensions and marriage breakdown – a guide for members ...
https://www.fsrao.ca/consumers/how-fsra-protects-consumers/pensions/pensions-and-marriage-breakdown-guide-members-and-their-spouses
The value of a pension is an asset included in the calculation of Net Family Property. Each spouse has their own Net Family Property amount. The law entitles ...
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35 Surviving spouse's benefits in private pension plans
https://www.bls.gov/mlr/1984/04/art3full.pdf
A few pension plans offer "death benefits," as well as annuities . ... more favored position in the occupational structure, this will tend to un-.
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36 Separation and Divorce - OMERS
https://www.omers.com/separation-and-divorce
A pension earned in a registered pension plan by a pension plan member during their marriage or common-law relationship is considered part of “family property” ...
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37 Why pensions are an important asset during a divorce
https://www.ts-p.co.uk/news/why-pensions-are-an-important-asset-during-a-divorce
Pensions are just one of the assets a court will give consideration to when dealing with finances on divorce. Pensions can be dealt with by way of pension ...
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38 Pension Rights Following A Divorce London - TM Family Law
https://www.tmfamilylaw.co.uk/pensions/
Pensions can also include benefits such a life insurance and a widow's benefit, which benefit spouses if the pension holder dies before retirement. The Court ...
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39 BTPS Divorce Guide
https://www.btps.co.uk/MediaArchive/SchemeSite/Divorce%20Guide%2007.05.21.pdf
with workplace and personal pensions. If you're thinking about getting divorced and you're confused about what this might mean for your pension, ...
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40 Ending a relationship – and what it means for your pension
https://tpp.pensionsbc.ca/ending-a-relationship-and-what-it-means-for-your-pension
When you inform us of your separation or divorce, we'll send a letter to your former spouse inviting them to become a limited member of the plan, which allows ...
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41 Divorce: how does it affect your pension fund? - UBS
https://www.ubs.com/ch/en/wealth-management/womens-wealth/academy/2021/divorce-how-does-it-affect-your-pension-fund.html
Divorce can give rise to pension gaps, which in turn result in lower retirement benefits. Depending on the situation, women may see their future ...
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42 Pension Sharing on Divorce Made Simple - Carter Bells
https://www.carterbells.co.uk/notices/pension-sharing-divorce-made-simple/
Pension Sharing is when a percentage share of one party's pension or pensions are transferred into a pension scheme in the name of and for the sole benefit of ...
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43 Divorce and Pension Sharing... the basics examined
https://forcespensionsociety.org/2020/06/divorce-and-pension-sharing-the-basics-examined/
› 2020/06 › divorce-an...
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44 QILDRO FAQs - Resources - Illinois.gov
https://www2.illinois.gov/sites/SRS/SERS/Resources/Pages/FAQ-QILDRO.aspx
Is a QILDRO still needed if the dissolution papers award pension benefits to ... in divorce proceedings or provide legal, financial, or other professional ...
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45 Getting divorced? Don't forget your pension
https://www.fidelity.co.uk/markets-insights/personal-finance/saving-for-retirement/getting-divorced-dont-forget-your-pension/
A pension sharing order is a court order that's used to separate two people's pension assets. They can be issued for both a divorce and the ...
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46 Division and Valuation of Pension Interests in TN Divorces
https://memphisdivorce.com/division-valuation-pensions-interests-tennessee-divorces/
A divorce attorney may rely upon the forensic economist or accountant to review the pension document to confirm that a given retirement asset is divisible.
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47 The Pension Sharing (Miscellaneous Amendments ...
https://www.legislation.gov.uk/uksi/2016/289/pdfs/uksiem_20160289_en.pdf
The Pensions on Divorce etc (Provision of Information) Regulations 2000 (SI ... 2015, the Occupational and Personal Pension Schemes (Transfer Values).
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48 Dutch Act on Equalisation of Pension Entitlements after a ...
http://www.dutchcivillaw.com/actequalpension.htm
In the event of a divorce, however, this Act forces the spouses, irrespective of the matrimonial property regime between them, to equalize all old-age pension ...
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49 Divorce - Can my Partner make a claim on my Pension?
https://www.andrewisaacs.co.uk/divorce-can-my-partner-make-a-claim-on-my-pension/
Pension assets within divorce/dissolution proceedings need to be considered alongside other assets. It is firstly important to establish the ...
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50 PENSIONS IN NEVADA DIVORCE CASES - Willick Law Group
https://www.willicklawgroup.com/wp-content/uploads/2012/04/142.pdf
I. IDENTIFICATION OF PENSION PLANS IN DIVORCE ACTIONS .............. 1 ... reasonably should have used union labor, or a professional corporation.
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51 1 PENSION SHARING CHARGES The table below shows the ...
http://plsa.co.uk/portals/0/Documents/0180_Pension_sharing_charges_NAPF_guidance_0711.pdf
The flowchart below indicates when a 'typical' occupational pension scheme may properly charge for valuing a member's rights. ... PENSION SHARING ON DIVORCE.
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52 Pensions on Divorce
https://hscpensions.hscni.net/download/Members/member_factsheets/Pensions-on-Divorce.pdf
Most occupational pension schemes are allowed 3 months to provide their members with a CETV for divorce or dissolution of civil partnership purposes. Upon ...
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53 Pensions and Divorce [Guide] - Drewberry Insurance
https://www.drewberryinsurance.co.uk/pensions-advice/guides/pensions-and-divorce
Offsetting is the oldest method of sharing a pension in a divorce. Marital assets are traded to offset the loss in pension benefits by the other ...
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54 How to Divide Retirement & Pensions in Divorce (2022)
https://www.survivedivorce.com/retirement-and-pensions
There are many parties who will play a role in dividing retirement plan assets. When a retirement asset is identified as part of a divorce, your spouse is ...
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55 Pension sharing on divorce - UK Parliament
http://researchbriefings.files.parliament.uk/documents/SN00430/SN00430.pdf
2.1 Pension credit benefits in workplace pensions ... Pensions can be divided on divorce or dissolution in different ways. This can apply to.
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56 Widow's, Widower's or Surviving Civil Partner's (Contributory ...
https://www.citizensinformation.ie/en/social_welfare/social_welfare_payments/death_related_benefits/widows_contrib_pension.html
If you are divorced and you would have been entitled to a Widow's, Widower's or Surviving Civil Partner's (Contributory) Pension had you ...
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57 The gender pension gap in Germany: is divorce a gender ...
https://www.cambridge.org/core/journals/ageing-and-society/article/gender-pension-gap-in-germany-is-divorce-a-genderequaliser/410272EDC6BECAFE392B9991886D59B1
The outcome variable included public and occupational pension benefits as well as welfare and private pension benefits. They found that never- ...
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58 Getting Divorced - Duke Human Resources
https://hr.duke.edu/benefits/enrollment/life-events-information/getting-divorced
I've lost my health, dental, or vision insurance coverage due to divorce. ... If your ex-spouse did not sign a "Waiver of Pre-retirement Survivor Annuity," ...
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59 Handling Pensions in a Divorce – Mundahl Law, PLLC
https://www.mundahllaw.com/handling-pensions-in-a-divorce/
Even though a pension was earned by one spouse, if it was earned during the marriage, it is marital property subject to division in divorce. In ...
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60 Pensions - the forgotten asset. - Bates Wells & Braithwaite
https://bates-wells.co.uk/pensions-the-forgotten-asset/
The challenge for a divorce lawyer lies in the fact that it is rare for both parties to have accrued comparable pension pots. Recent research by ...
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61 Pension Valuation and Pension Splitting - Divorce In Ontario
https://www.commonsensedivorce.ca/pension-valuation/
Pension Splitting: Private Pensions and Workplace Pensions ... A private work pension does not belong to one spouse or the other. It is considered a matrimonial ...
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62 RB-30 - Railroad Retirement Board
https://www.rrb.gov/sites/default/files/2017-05/rb30%5B1%5D.pdf
Divorced Spouse - The marriage requirement for a divorced spouse annuity is met if your marriage ended by a fi nal divorce decree and: 1. you were legally ...
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63 Pension Adjustment Orders on Separation and Divorce
https://m.facebook.com/terrygorrysolicitor/videos/pension-adjustment-orders-on-separation-and-divorce/1198750743969063/?locale2=zh_CN
› terrygorrysolicitor › videos › pe...
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64 Will your ex inherit your Pension if you die?
https://www.tisshawssolicitors.co.uk/will-your-ex-inherit-your-pension-if-you-die-a-guest-post-from-servo-private-wealth/
Pensions don't automatically 'sort themselves out' when someone divorces or dies. It's possible that a spouse or another beneficiary might benefit. But the ...
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65 Court-Ordered Benefits for Former Spouses - OPM
https://www.opm.gov/retirement-center/publications-forms/pamphlets/ri84-1.pdf
A court order related to a divorce or separation can —. 1. Divide a Civil Service Retirement System (CSRS) or Federal Employees. Retirement System (FERS) ...
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66 Pension Inquiry Form - GOV.UK
https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/688239/form-p-eng.pdf
In the case of an occupational pension scheme only, is the scheme winding up? ... that contained in regulation 5 of the Pensions on Divorce.
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67 Dividing Pensions & Retirement After a Divorce
https://www.charlesullman.com/asset-division-in-a-divorce/dividing-pensions-retirement
In most cases, the money in a retirement account is treated as marital property in a divorce. If a spouse had money in his or her 401(k) or a similar tax- ...
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68 Pensions - Financial Claims - Dawson Cornwell
https://dawsoncornwell.com/en/what-we-do/financial-claims/pensions.html
After property, the largest asset on a divorce (or dissolution of civil partnership) is usually the couple's pensions. The overall aim in divorce financial ...
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69 How to Transfer Your Pension After a Divorce
https://www.onlinemoneyadvisor.co.uk/pensions/pension-transfers/divorce-and-pension-transfers/
A pension is considered a joint asset and so even though one party may have earned the pension throughout their career, both people in the ...
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70 Splitting Pensions in Divorce & Pension Sharing Orders
https://www.cj-law.co.uk/family-law-solicitors/divorce/pensions-on-divorce
When you end a marriage or a civil partnership, each person should declare their assets so that they can be valued and split; any combined pensions should form ...
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71 Can my ex-wife get my pension? - Porter Dodson
https://www.porterdodson.co.uk/blog/can-my-ex-wife-get-my-pension/
The court will award your spouse a specific percentage of your divorce and your spouse is able either to become a member of your pension ...
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72 I'm going through a divorce, how can I protect my pension?
https://www.irishexaminer.com/lifestyle/healthandwellbeing/arid-40713878.html
But members of occupational pension schemes should remember that this type of investment for their retirement years can be treated like any ...
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73 Joining Through Divorce Settlements - Nest Pensions
https://www.nestpensions.org.uk/schemeweb/nest/my-nest-pension/joining-nest/joining-through-divorce-settlements.html
Pension and divorce, what happens when the court makes a pension sharing order? Find out more about joining Nest through a divorce settlement.
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74 Ten Most Frequently Asked Questions Regarding Divorce ...
https://static.fmgsuite.com/media/documents/c96020df-10c0-4a83-8380-602ec9b31d35.pdf
Q: Will I lose some or all of my pension as a result of divorce? ... CDFA™ professional about your options. Q: I have never worked.
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75 Valuing pension rights on divorce - Family Law
https://www.familylaw.co.uk/news_and_comment/valuing-pension-rights-on-divorce
Pension rights in divorce or dissolution settlements can often amount to the largest asset after the equity in the family home. Professional ...
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76 PERA Benefits and Marriage Dissolution
https://mnpera.org/wp-content/uploads/2018/06/Marriage_Dissolution_2013.pdf
Effect of Divorce on Retirement Benefits ... Deferred pension calculations for valuation purposes 7 ... be an occupational disability for.
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77 Sharing Pension Benefits - Province of Manitoba
https://www.gov.mb.ca/familylaw/property/sharing-pension-benefits.html
Property · Sharing Pension Benefits · Canada Pension Plan · The Pension Benefits Act · Registered Retirement Savings Plan (RRSP) · Occupational Pensions.
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78 How is a final salary pension shared on divorce? - Rest Less
https://restless.co.uk/money/divorce-and-separation/how-is-a-final-salary-pension-shared-on-divorce/
Pension sharing: This is when pension benefits are split when you divorce, and usually, the partner without or with a small pension receives a ...
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79 PENSION PENALTIES - jstor
https://www.jstor.org/stable/23747400
one centrally important occupational benefit - an occupational pension. ... method of splitting occupational pensions to compensate divorced women.
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80 How much of my Husband's pension am I entitled to when we ...
https://www.2020financial.co.uk/how-much-of-my-husbands-pension-am-i-entitled-to-when-we-divorce/
Private pension/s, workplace pension/s and/ or additional State pension (but not the basic state pension) can all be split as part of a divorce ...
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81 What happens to your pension on divorce?
https://cbelaw.com/happens-pension-divorce/
There are many kinds of pension plans. Most are subject to division upon marriage breakdown. Marriage includes a common-law relationship of two years or longer.
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82 Ak DRB > PERS & TRS Defined Benefit Retirement Plan
https://drb.alaska.gov/employee/dbrplan.html
Learn more about Medicare, Alaska Cost of Living Allowance (COLA), Post Retirement Pension Adjustments (PRPAs), Divorce and Returning to Work after ...
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83 Chapter 50. Divorce and Alimony. Article 1. Divorce, Alimony ...
https://www.ncleg.gov/EnactedLegislation/Statutes/PDF/ByArticle/Chapter_50/Article_1.pdf
Marital property includes all vested and nonvested pension, retirement, and other deferred compensation rights, and vested and nonvested military pensions ...
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84 ATTACKING AND DEFENDING (PENSION) TRUSTS IN ...
https://www.wilberforce.co.uk/wp-content/uploads/2020/04/TL4_e-magazine_Issue_2.pdf
ThoughtLeaders4 HNW Divorce Magazine • ISSUE 2. 23. Pensions can be of ... Court to “offset” the pension assets ... trust – than to occupational pensions.
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85 Divorce and Pensions: FAQs - Lawyers.com
https://www.lawyers.com/legal-info/family-law/divorce/divorce-pension-faqs.html
The timing of your divorce won't usually affect whether you're entitled to your spouse's pension. Even if you and your spouse are under the ...
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86 767.70 - Wisconsin Legislature
https://docs.legis.wisconsin.gov/document/statutes/767.70
The circuit court did not double count the value of professional goodwill ... Long after the divorce, the veteran waived a share of the retirement pay in ...
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87 NONADVERSARIAL DIVORCE (DISSOLUTION OF MARRIAGE)
https://www.jud.ct.gov/webforms/forms/FM242.pdf
petition or before the divorce will become final. planning to live here permanently. ... Neither petitioner has a defined benefit pension plan;.
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88 Pensions in Divorce Settlements - Woolley & Co Solicitors
https://www.family-lawfirm.co.uk/divorce-settlements/pensions-on-divorce/
Pensions should always be considered as part of a divorce settlement. Our experts nationwide can help you to reach an agreement or make a court application.
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89 Protect Your Pension in a Divorce - AWH Solicitors
https://awhsolicitors.co.uk/articles/family/divorce-and-pensions/
In theory, your ex-spouse or ex-civil partner can make a claim to receive money held in workplace and/or private pensions you have. They could ...
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90 Do You Know What Your Pension Rights After Divorce Are?
https://sovereignboss.co.uk/pension-rights-after-divorce/
Yes, you can protect your pension against your ex-partner. This must be done during the divorce settlement. You can do this by adding your ...
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91 Meaning and objectives of occupational pension funds
https://www.bsv.admin.ch/bsv/en/home/social-insurance/bv/grundlagen-und-gesetze/grundlagen/sinn-und-zweck.html
At the death of an ex-spouse, the divorced spouse (man or woman) is also entitled to a survivor's pension, if the marriage lasted at least ten years and if the ...
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92 Part 3: 5 pitfalls to avoid when implementing a pension share
https://blueskyifas.co.uk/your-essential-guide-to-pensions-and-divorce-part-3-5-pitfalls-to-avoid-when-implementing-a-pension-share/
In the third part of our guide to pensions and divorce, read about 5 of the main ... Occupational pension schemes (mainly defined benefit schemes) can be ...
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