In states where full disclosure isn't required, whose responsibility is it to disclose any items required by law and respond honestly to any questions about the property’s condition?

Answers

Answer 1

In states where full disclosure isn't required, it is the responsibility of the seller to disclose any items required by law and respond honestly to any questions about the property’s condition. Therefore, the correct option is D.

What is full disclosure?

Full disclosure is the U.S. Securities and Exchange Commission's requirement that publicly traded companies should release and provide for the free exchange of all material facts that are relevant to their ongoing business operations.

It should be noted that full disclosure is when a company or individual is required to reveal the complete truth regarding a matter necessary for another party to know before entering into a sale or contract.

Full disclosure can apply to many different matters in the world of business. In this case, the seller should disclose any items required by law and respond honestly to any questions about the property’s condition.

The full disclosure principle is crucial to ensuring that there is limited information asymmetry between the company's management and its current shareholders.

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Complete question:

In states where full disclosure isn't required, whose responsibility is it to disclose any items required by law and respond honestly to any questions about the property's condition?

a. appraiser

b. buyer

c. lender

d. seller


Related Questions

Showing sly or cunning intelligence

Answers

Sly and cunning intelligence are closely related. sly is the skill of concealing one's aims and methods. Cunning suggests the inventive use of sometimes limited intelligence in overreaching or circumventing.

Sly and cunning are two qualities that can be both beneficial and detrimental. On one hand, those with a sly and cunning attitude can be adept at problem-solving and navigating difficult conversations.

However, the same qualities can also lead to manipulative and conniving behavior, so it is important to use discretion and caution when interacting with those with such a mindset. All in all, sly and cunning can be an effective way to achieve a desired outcome, as long as one is aware of the possible pitfalls that can come along with it.

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If the grievance committee feels potentially unethical conduct may have occurred, they conduct a hearing to determine whether one or more articles of the code have been violated.a. Trueb. False

Answers

When the grievance committee suspects possibly unethical behaviour, they hold an inquiry to see if any of the code's provisions have been broken. False.

A humanitarian committee is what?

The Social, Humanitarian and Cultural Committee (SOCHUM), which serves as the Third Committee of the United Nations General Assembly, is primarily concerned with the welfare and individual rights of protected class like refugees, children, victims of injustice, and many others.

The Human Rights Committee's activities are what?

The group of impartial specialists known as the Human Rights Committee oversees how each State party is carrying out their obligations under the International Covenant of Civil and Political Rights. The Committee's efforts have led to a number of improvements in legislation, policy, and practise that support the exercise and civil and political liberty.

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when was william golding considered a success as a writer

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William Golding became successful in 1954 when he wrote the well known novel Lord Of The Flies.

Jamal and his family are Syrian refugees who have been granted refuge in the United States. Because their home was destroyed in Syria, they have decided to resettle in the United States and after a long process have been accepted into the US Resettlement program. How many more years must Jamal and his family wait to become US citizens?

Answers

The process of becoming a naturalized U.S. citizen, after being granted refuge as a refugee, can vary depending on an individual's personal circumstances. Generally, the process of becoming a U.S. citizen through naturalization can take several years.

Generally, refugee status is granted for a period of one year, after which the individual may apply for an extension. After obtaining permanent residency, a refugee can apply for naturalization after five years as a legal permanent resident, if they meet certain requirements such as good moral character, knowledge of U.S. history and government, and the ability to read, write, and speak English.

It's important to note that the process of becoming a U.S. citizen is a complex one, and it's subject to change depending on the laws and regulations of the United States government. Therefore, it's for Jamal and his family to consult with an immigration lawyer or a qualified representative from the US Citizenship and Immigration Services (USCIS) for more detailed and accurate information on the process, the requirements and the length of time they will have to wait to become US citizens.

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You are expereincing lower levels of arousal. Which of the following tasks would you best be able to perform

Answers

One can execute difficult activities at lower arousal levels.

What law describes how your degree of arousal affects how effectively you perform?

According to the Yerkes-Dodson law, optimal performance happens when arousal levels are greater for simple activities and lower for complicated tasks.

Arousal levels between low and high were excellent. To be more explicit, they found that performance on simple tasks improved with high arousal or stress levels, but that performance on difficult tasks dropped as anxiety increased.

Generally speaking, most athletes find that they perform best at a medium level of arousal.

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what is a desirable result of sending a negative message? the audience should feel chastised and guilty. the audience should feel they have been taken seriously. the audience should fear receiving further bad news. the audience should accept the message without question.

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A desirable result of sending a negative message is B) the audience should feel they have been taken seriously.

When sending a negative message, the desired result is for the audience to feel taken seriously. This means that the message should be clear, concise, and appropriate for the situation.

The tone of the message should be respectful and demonstrate empathy for the audience. Additionally, the sender should take responsibility for the message, rather than placing blame or criticism on the recipient.

Acknowledging the recipient's feelings, opinions, or experiences is also important in communicating a negative message in a productive way. Ultimately, the goal is for the audience to understand the message's intent and to feel respected and heard.

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where to watch the college football national championship

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According to question, on DirecTV the college football national championship .

One of the greatest running backs of all time, Hall of Famer Marcus Allen won the Heisman Trophy, NCAA National Championship, Super Bowl, and is the only player to be named NFL MVP and Super Bowl MVP.

Yale Football has his one of the sport's most impressive resumes. He's two of the top three Heisman Trophy winners, 100 All-Americans, 28 Hall of Famers, and his 18 NCAA-sanctioned national championships—the most in history.

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AITA for not letting my cousin experience motherhood?

Answers

Uh this ain't reddit

but maybe

AITA for preventing my cousin from being a motherhood. It appears that a woman asked if she was an on for denying her dying relative the opportunity to become a mother.

The cousin was currently battling cancer but had always wanted to be a motherhood. Even though the cousin had a much older fiance, and they performed a symbolic wedding, so she could have the experience, the woman refused to let her cousin have a child.

A few people objected to the woman's choice and there was some uproar. However, make it unclear whether the woman genuinely stopped her cousin from becoming a mother or if she only refused to give her child to her cousin.

As a result, the significance of the AITA for not letting my cousin experience motherhood are the aforementioned.

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What is an NGO identify 3 NGOs?

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NGO stands for Non-Governmental Organization. These organizations are independent from governments, and focus on providing services or advocacy to address social, economic, or environmental challenges. Examples of NGOs include UNICEF, Amnesty International, and Oxfam.

An NGO (Non-Governmental Organization) is a non-profit, voluntary organization that is independent from government and works to promote and provide services to their target population. NGOs are typically organized by individuals, groups, or organizations, and are typically focused on a specific mission. NGOs are often used by governments, businesses, and other international organizations to help a particular country, region, or cause.

Examples of NGOs include World Vision, Mercy Corps, and Care International. World Vision is a global humanitarian organization that works to empower children, families, and their communities to overcome poverty and injustice. They work to provide long-term solutions to poverty, while also responding to emergencies and natural disasters. Mercy Corps is a global humanitarian organization that focuses on alleviating suffering, poverty, and oppression by helping people build secure, productive, and just communities. They are committed to providing aid and resources to those in need, and to helping them build self-reliance. Care International is a global humanitarian organization that works to fight poverty and social injustice. They work to provide basic services and resources to people in need and to empower them to create long-term solutions to their problems.

All three of these NGOs have a similar mission of providing aid and resources to those in need.

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Service integration involves cooperation from program staff, leaders, and administrators, and includes such responsibilities as implementing rigorous leadership, maintaining a positive attitude, carrying out plans, and resolving cultural differences.

Responses

False
True

Answers

The given statement that Service integration involves cooperation from program staff, leaders, and administrators, and includes such responsibilities as implementing rigorous leadership, maintaining a positive attitude is true because Service integration always encompass cooperation.

What does "service integration" mean?

A method for managing numerous service providers (both business and IT services) and merging them to create a unified business-facing IT organization is called service integration and management (SIAM). A company that provides integrated services for a fee is known as an integrated service provider (ISP). It offers a full range of logistical services, including warehousing, transportation, and other essential tasks.

The end-to-end delivery of services is orchestrated by service integration and management, or SIAM. It focuses on the rules and procedures that permit service providers to collaborate across organizational and functional boundaries. Optimizing service quality is the aim.

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How is the celebration of a new year different around the world?

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A few societies might observe New Year at an alternate chance to 31 December, since they utilize an alternate schedule to the UK. By and large, at whatever point they happen.

A few schedules depend on the lunar cycle, and some on the sun-based cycle. The Chinese schedule is lunisolar. Due to the various cycles, the different New Year's — comparable to the Gregorian schedule — either fall around the same time consistently or happen over a scope of days.

In the US, firecrackers and a kiss with a friend or family member at the stroke of noon are recognizable year-end traditions, however, in different nations, New Year's customs are pretty much as fluctuated as the countries.

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an interstate route that travels around the city and returns to the parent roadway begins with an even number

Answers

"An interstate route with even numbers travels north/south". This statement is false (F).

An interstate route with even numbers that travels north or south is false because the numbering system for interstates in the United States is based on the cardinal direction of the road. Even-numbered interstates run east-west, while odd-numbered interstates run north-south. This is to avoid confusion and make it easier for drivers to orient themselves on the road. The interstate route with even numbers runs east-west, not north-south.

 

"An alternate route that travels around the city begins with an even number." This statement is true (T).

This statement is true because alternate routes or business routes are often numbered with the same number as the main interstate route but with an even-numbered prefix. This is a common practice in the United States and is used to distinguish the alternate route from the main interstate route. Even numbers are usually used for alternative routes in order to easily identify them as an alternative to the main route and not confuse them with the main route. For example, Business Route 80 and Business Route 90.

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Was political art realism?

Answers

Answer:

Realism concerned itself with how life was structured socially, economically, politically, and culturally, and much of that is dictated by politics, so Yes

Explanation:

:) hope that helped

A key characteristic of position-based negotiation is

O outcomes are win-lose or compromise.

O focus on challenge to be met.

O find mutual interests and satisfaction.

O win-win collaborative outcomes are possible.

O create value for all parties.

Answers

Option a is Correct. Position-based negotiation has as one of its main characteristics: a). win-lose or compromise results.

Integrative negotiation, also known as interest-based negotiation, is looking deeper than the parties' stated views to find viable tradeoffs and win-win scenarios across issues and interests. In positional bargaining, both parties try to persuade the other that their proposition is the best one by attacking the other side's.

In interest-based bargaining, both (or all) parties attack the issue and look for a solution that best serves their own interests. When people bargain based on their positions or statements of what they hope to gain from the negotiation, this is known as positional bargaining. Distributive bargaining in the form of positional negotiation involves two parties who see the conflict differently.

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Correct Question:

A key characteristic of position-based negotiation is

a. outcomes are win-lose or compromise.

b. focus on challenge to be met.

c.  find mutual interests and satisfaction.

d. win-win collaborative outcomes are possible.

e. create value for all parties.

How did the Ottoman Empire affect European trade?

Answers

With its growth, the Ottoman Empire began to seize control of crucial trade routes. Due to its dominance over several trade routes, it effectively enjoyed a monopoly on trade between Europe and Asia.

The explorational endeavours of the Europeans finally resulted in the discovery of the Americas, the Age of Exploration, and the development of a new global economy.

The Ottoman Empire soon expanded from its base in Anatolia (present-day Turkey) to become the dominating force in the Eastern Mediterranean and southeast Europe.

The principal trade routes that linked Europe to the exports of Central and East Asia passed right through the Ottoman Empire.

The Christian countries of Europe would have to either trade with the Ottomans, which would be extremely expensive and would enrich their biggest geopolitical rival, or find another means to do commerce with Asia.

Their adversaries were inspired by the Ottoman Empire to use the sea to link commerce hubs around the globe.

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when storing food what is the best way to prevent waste

Answers

When we are storing food, one of the best way to prevent waste is using what is called "first-in, first-out" as its minimize waste by using older products first, as long as they're still safe to use.

What are some other ways to prevent food wastage?

There are several ways to prevent food waste when storing food:

Plan your meals in advance: Before going grocery shopping, plan out your meals for the week so you know exactly how much food you need and can buy only what you need.

Store food properly: Proper storage can help keep food fresh longer. Keep fruits and vegetables in the refrigerator in the correct compartment, use airtight containers to store dry goods, and freeze meat and other items that won't be used right away.

Use a first-in, first-out (FIFO) system: When storing food, use the items that will expire first and move them to the front of the fridge or pantry, so you can see them and use them before they go bad.

Don't overbuy: Avoid buying more food than you need, especially perishable items that have a short shelf life.

Composting food scraps: Try to composting food scraps. This can help reduce the amount of food waste you produce and it's also a great way to add nutrients to the soil in your garden.

Repurpose leftovers: Plan to repurpose leftovers into new meals or freezing them for future use.

Use expiration dates as a guide: Be mindful of expiration dates on food and use them as a guide to help you prioritize when to eat certain items.

In conclusion, by following these steps, you can help prevent food waste and ensure that you are getting the most out of the food you buy.

what does it mean to hunger and thirst for righteousness

Answers

It means to want righteousness a lot

In what way was the reaction to the Stono Rebellion similar to the reaction of the Denmark Vesey plot?
answer choices
SC replaced many African slaves with Native American slaves.
SC made it a requirement to send slave children to school.
SC passed more laws and restrictions to control slaves.
SC temporarily suspended the practice of owning slaves.

Answers

The reaction to the Stono Rebellion similar to the reaction of the Denmark Vesey plot as SC passed more laws and restrictions to control slaves.

About Stono Rebellion

Stono Rebellion was important because it changed the face of slavery in the Carolinas, and had consequences for other colonies as well. It strengthened slavery in a way it never had before, and probably still will. But Stono was the catalyst.

What was the aim of the Stono Rebellion

When slaves were unable to rebel outright, they resorted to subtle countermeasures, ranging from slowing down to malingering. The Stono River Uprising was a tribute to the continued and persistent resistance of African Americans to the oppressive system of slavery.

The outcome of the Stono Rebellion

The Stono Rebellion, a 1739 slave revolt in South Carolina, ultimately resulted in the defeat of the rebel slaves by the South Carolina militia

The highlight of the Stono Rebellion of 1739

The Stono Rebellion was the largest slave revolt in the British colonies. On September 9, 1739, a group of about 20 South Carolina slaves gathered and marched to a firearms shop. There, they killed the shopkeeper and armed themselves. On their way they increased their numbers, gathering a force of around 100 slaves.

How did the Stono Rebellion begin

The Stono Rebellion. Early on Sunday, September 9, 1739, 20 black slaves met in secret near the Stono River in South Carolina to plan their escape to freedom. Minutes later, they burst into Hutcheson's shop on the Stono bridge, killed two of the shopkeepers, and stole the guns and powder inside.

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Risk factors that lead to MSD can be divided into the following categories

Answers

Musculoskeletal disorders (MSDs) can be caused by a variety of risk factors, which can be grouped into several categories such as physical, biological, psychological, organizational, and environmental.

Musculoskeletal disorders (MSDs) can be caused by a variety of risk factors, including physical factors such as repetitive movements and awkward postures, biological factors like genetics and age, psychological factors like stress and depression, organizational factors like poor ergonomics and long working hours, and environmental factors like temperature and lighting. Effective prevention strategies should address all relevant risk factors.

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In the 1800s, what route did white settlers follow to settle the pacific coast? the mississippi river the oregon trail the wilderness road the cumberland gap

Answers

White settlers arrived on the Pacific coast along the Oregon Trail in the 1800s.

The Oregon Trail was a 2,170-mile (3,490-km)[1] east-west emigrant and large-wheeled wagon route in the United States that connected the Oregon Trail Missouri River to valleys in Oregon. a section of the current coast The majority of what is now Nebraska and Wyoming, as well as Kansas, were all a part of the Oregon Trail's eastern path. The western section of the trail was primarily made up of what are today Idaho and Oregon.

The Oregon Track, which was constructed by fur traders and trappers between roughly 1811 and 1840, could only be traversed on foot or on horseback. Fort Hall, Idaho's wagon trail had already been plowed by the time the first coast migrant wagon train was established in Independence, Missouri, in 1836.

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Why are television networks reducing
coverage of nominating conventions?

Answers

The official intent of such a convention is to choose the party's candidate for the presidency to be elected by the people, as well as to approve the party platform—a declaration of the party's beliefs and objectives—and to set the rules governing the party's activities, such as the selection of candidates for president in the following election cycle.

What does a nominating petition aim to accomplish?

In some countries, particularly in the United States of America, an independent or non-major party candidate must submit a nominating petition in order to be placed on the ballot.

                       For a candidate to appear on the ballot, a certain minimum number of valid signatures must be obtained as required by statute.

At the national convention, what takes place?

State delegates cast their votes at the national convention to ratify their candidate preferences.

                      The nominee is decided by convention delegates if no candidate wins the majority of a party's delegates during the primaries and caucuses. Additional voting rounds result in this.

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What is the difference between romanticism and transcendentalism?

Answers

Romanticism means the importance of emotions and freedom over intellectual growth and Transcendentalism draws inspiration from the human perspective even beyond reasoning and normal traditions.

Romanticism and Transcendentalism are two literary movements that emerged in the 19th century. Romanticism was a reaction to the Age of Reason and the Enlightenment, and was a celebration of the natural beauty of the world.

Transcendentalism was a philosophical movement that focused on the inherent goodness of people and nature, and the power of individual thought and intuition. It was influenced by Eastern philosophy, and emphasized the importance of living in harmony with nature and the spiritual world.

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Please select the word from the list that best fits the definition a viewing of the behavior of groups in a systematic way.

Answers

Answer:Sociological perspective

Explanation: Sociological perspective is the word from the list that best fits the definition. A viewing of the behavior of groups in a systematic way.

true or false : The signals are the lighting devices that allow you to inform other rn drivers on the roadway what your intentions are.rn

Answers

The indicators are the illumination equipment that enables you to communicate your intentions to other road users.

Who are the road freight?

Roadway Express Inc. was established in 1930 and is the main subsidiary of Roadway Corporation. It is a fewer (LTL) carrier that provides transportation services to manufacturing, commercial, and retail companies in the 2- to five-day region as well as lengthy markets across the United States.

Who was the first road trucker?

Carroll & Galen Roush, brothers, launched Road surface Express in Akron, Ohio, in 1930 despite this. As a fewer (LTL) carrier, Roadway Express started out in the trucking business by shipping tyres from Akron to St. Louis. Ten owner-operators formed the business. signed to the simple command's environment.

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What caused Prince Harry to be criticized by British military figures?

Answers

Prince Harry has been criticized by British military figures because of his claim that he had killed 25 Taliban fighters.

Prince Harry has said claims in which he was boasting when he wrote in his recent book about killing 25 Taliban soldiers in Afghanistan are a dangerous lie. The prince has been criticized for talking about killings in Spare, with some military figures saying it was not correct to refer to the dead as chess pieces.

The Duke of Sussex mentioned that he killed 25 suspected Taliban insurgents during his two journeys of Afghanistan. Based on the reports from the leaked manuscript he said he was neither embarrassed or satisfied by the fact. He said that in fact, we cannot hurt people if we see them as people.

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Which statements best describe the first stage of cellular respiration? Select three options.

The stage happens in cytoplasm.
The stage happens in mitochondria.
Oxygen combines with small molecules.
Glucose is broken down.
Energy is released.
thank you so much!

Answers

Answer:

The stage happens in cytoplasm.

and

Oxygen combines with small molecules.

Explanation:

Answer:

The stage first happens in cytoplasm next the Glucose is broken down and then Energy is released

which of these mononymous celebrities was born with the last name lanzoni?
a. cher
b. fabio
c. adelle
d. tweggy

Answers

The correct answer is b, Fabio. Fabio Lanzoni, further generally known as simply Fabio, is an Italian model, actor, and  prophet.

Born in Milan, Italy, in 1959, Fabio was discovered at age 14 while working at a McDonald's in Italy. His career  soared as he came a  prophet for I Can not Believe It's Not Adulation, appeared in a number of  TV commercials, and was featured on the covers of  multitudinous  love novels. He has also starred in a number of  TV shows and  pictures, including the popular distributed series, Baywatch. Fabio is one of the many mononymous celebrities who's known around the world, and his full name is Fabio Lanzoni.

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how is the holy spirit at work in the celebration of the eucharist?

Answers

The Holy Spirit is at work in the Eucharistic celebration through the Liturgy of the Word, assisting the Word of God to support the entire liturgical celebration.

What is the holy Eucharistic?

The "substance" of the bread and wine is converted by the power of the Holy Spirit into the "substance" of Jesus Christ's Body and Blood during the act of consecration during the Eucharist, according to the Church's traditional theological language. Simultaneously, the "accidents" or appearances of bread and wine persist.

The Spirit brings us into a live relationship with the Son and assists us in understanding Him as the Word and Image of the Father. All of this occurs during the liturgy as the Word of God is read. All of this is what it means to say, "The Holy Spirit recalls the mystery of Christ," as the section title suggests.

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Briefly describe how the intrinsic excitability of a neuron determines its action potential waveform and firing rate.

Answers

The neuron will fire an action potential when a neuron depolarizes because it is associated with changes in the membrane potential.

What is meant by neuron action?

The cycle of depolarization and hyperpolarization of the membrane and return to the resting membrane potential is called the action potential, an all-or-nothing reaction that can occur at rates of up to 1,000 pulses / second. Membrane depolarization that occurs as voltage gate Na + channels open at one point on an axon passively spreads a short distance and triggers the opening of adjacent channels, resulting in the generation of another action potential. In this way, the depolarization wave, or nerve impulse, is conducted along the axon.

Neurons are in charge of receiving stimuli from the environment, transforming them into nervous excitations, and transmitting them to the nerve centers, where they organize themselves to give a response.

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Do sea urchins live in shallow water?

Answers

Sea urchins frequently inhabit rocky shorelines. Echinoderms feed in these shallow water environments on organic matter, plant life, and creatures like barnacles and shellfish.

Sea urchins inhabit the intertidal zone down to a depth of 100 feet. They hide from the surf in rock crevices during low tide. Sometimes they cruise around looking for their favourite foods, such as giant kelp and various types of algae. Tests, the hard, rounded shells that urchins have, are covered in spines.

Sea urchins are marine-only creatures that cannot exist in freshwater. They can be found everywhere, from the deep ocean to the intertidal. The species that we'll utilize in the lab come from the shallow subtidal or the intertidal.

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Strickland Corporation has invested in debt securities. Strickland intends to actively buy and sell this investment for profit. This investment is classified as: please fill in the blanks of the question i sent a pic of can someone please fill this out for me Write the first line of a function named Days. The function should return an integer value. It should have three integer parameters: intYears, intMonths, and intWeeks. All arguments should be passed by value. Ammonium hydrogen sulfide (NH4HS) can decompose to ammonia and hydrogen sulfide: What is the equilibrium constant expression for this system which two scenarios best show an example of internal conflict Organizations like the HBA-DC help support and strengthen our communities, our profession, and our country. Like many Americans, I came to this country with very little and I am grateful to this country for the opportunities it has provided. Those opportunities are there for all of us. How does this excerpt refine a larger idea in the present? When should performance monitoring software be used to create baselines? A When a network device fails B. When the network is operating correctly C. When malware is detected D. When troubleshooting a connectivity issue On the Cartesian plane, the midpoint between two points $A(a,b)$ and $B(c,d)$ is $M(m,n)$. If $A$ is moved vertically upwards 20 units and horizontally to the right 14 units, and $B$ is moved vertically downwards 4 units and horizontally to the left 2 units, then the new midpoint between $A$ and $B$ is $M'$. What is the distance between $M$ and $M'$ Knowingly making false entries in a record with the intent to deceive the Superintendent is punishable by imprisonment for up to: The type of health insurance coverage that takes up where basic health insurance coverage leaves off is There are 50 pennies in a roll. if you have 110 rolls of pennies, how many pennies do you have? ANSWER ONLY THANK YOU What is shap of the earth. How do doctors use chemistry in their work? Samantha is pregnant with her third baby. about how long can she expect active labor to last? a) 5 hours.b) 7 hours.c) 12 hours.d) 14 hours. Select all the true statements. Logarithms may be used to linearize data. Powers may be used to linearize data. Roots may be used to linearize data. If a data set is linearized by taking the common logarithm (log) or natural logarithm (ln) of the y-values, then the data follows a power model. If a data set is linearized by taking the pth root of the y-values, then the data follows a power model. Due to having partly filled d-orbitals ___ metals usually show variable valency. Guided Practice Read each sentence carefully. Underline the introductoryphrase or dependent clause, and add commas where needed. (Not every sentencehas an introductory element or needs a comma.)1. When my favorite television show comes on I'll watch it eagerly.2. Alicia Perez gave a speech after she was elected class president.3. At some time between midnight and dawn an asteroid will pass by Earth.Independent Practice Write four original sentences, two with a longEntroductory phrase and two with a dependent clause at the beginning.Add commas where needed.741.2. Understanding the storage of electricity in batteries is an important ________ skill if you are a first-line manager at an electric automobile manufacturer.