Reverse Phone Detective – Whenever you Would like to Know Who That Phone Number Belongs To

Reverse Phone Detective – When you Need to Know Who That Phone Amount Belongs To

It’s not uncommon for us to understand the mobile phone numbers of our friends and family members. We typically trade get in touch with particulars with individuals we have confidence in. We place into our contact record those men and women we arrive to know in functions, enterprise meetings, and conferences so that once they call us, we would not wonder who the individual is for the other facet from the line. Inside the course of our normal contact with other people, we are able to connect figures with real individuals with whom we’ve communicated inside the past. But what about these instances when we’ve a amount but no deal with, handle or any other data related to that amount?

Reverse Phone Detective enables you to understand an individual’s name and address based on the contact number that you have. When all we had was the White Pages, you’d be investing an impossible length of time to look to get a title behind the amount. In case you had been interested to understand the owner in the amount you had, you had extremely small probabilities of acquiring out.

Currently nonetheless, with the Reverse Telephone Detective services, it’s quite easy to find this out. You are able to also get some other important info that you simply need to have in addition to the basic title and handle for example family members, history reports and criminal file searches. You can use this service to uncover out the perpetrator of the prank call, validate an handle, or even know the place of an aged high college or school classmate.

Whenever you avail of this services, your individual individual information is safeguarded to ensure that your searches are confidential and everyone you may have searched for just isn’t notified. 1 limitation even so is that you simply can only investigation for information on numbers primarily based about the US.

The support covers unique sorts of telephone lines like cell phones, small business lines and landlines based within the US. All you need to do is enter the contact number of the individual you need to learn about in the box supplied. The subsequent display screen will show you the simple facts and if you want to read the remainder of the facts which are out there, you merely spend.

The data available on this assistance contain the name in the quantity proprietor; the street handle where the person is presently residing; the type of mobile phone line – mobile or landline; the number’s carrier or telephone corporation; map from the issuing place; and previous addresses, if out there. The cellular phone number you might be trying to appear for may well not be detailed and hard to obtain. This assistance makes it simple simply because it specializes in hard-to-find numbers. For additional fantastic info and resources about the best Clickbank products such Phone Registry and Phone Number Scan go to our site nowadays.

The ACN Business Opportunity – A Close Look

 My very first impression of  Mlm a.k.a. network marketing was through an ACN business opportunity presentation .  At the time I was 16   and I couldn’t get a “normal” job.

 I went on Craigslist though because I had to help my mom I  found  an  advertisement  ( completely forget what it read  ) but I  phoned  the number and booked   a meetup  . I  went to meet  the rep at a Starbucks and he  gave  me the presentation.

The Mlm business model of leverage  made  me so excited but when I told him I was  just  16 two things happened.

A )  In his mind he was thinking  ( curses  !) B) He kept his cool and gave me a few ACN magazines and his business card . I have not  signed up for  ACN but today I  want to  give you all the  in depth research  that I have done.  My hope is that it helps you understand the ACN business opportunity. Here goes!

First of all though . This business breakdown is for  those  who already  understand  that mlm is a legitimate and  powerful  business model . If you’re looking for any dirt or any “ACN scam  BS  ” then this isn’t for you.  This information  is for  people seriously looking into a mlm business.

ACN Business Opportunity - Company Mission And Services

Provide  people  with a home based business that  sells   products   individuals  need and  utilize   each  day. The products  they focus on are: Phone , Video  Phones  , Wireless, Computer Support , Satellite  Television  , High Speed Internet , Energy , Small Business, and  Property  Security.

ACN Business Opportunity – Company Credibility

 ACN is a member of the Direct Selling Association or DSA 

 Also a member  of the Direct Selling Education Foundation .

Been in business since 1993

 ACN’s Startup and  Monthly  Costs 

 It costs $499 to  start as  a ACN  distributor   

 It’s monthly fees are $7 

 There is a yearly  cost  of $149 

The $499 covers costs of becoming a Team Trainer. The  cost  and ongoing renewal fees help ACN to cover its costs to  supply  the following (Source: http://court.shrock.org/acn/docs/Getting%20it%20Right%20-%20Important%20ACN%20Facts.pdf):

ACN Field Support Services – Live, Field Support Services in  different languages like English, Spanish, and even Korean  . They provide accurate information pertaining to  services  ,  protocols  and policies for ACN’s Independent  Distributors  personal distributorships. They also  teach reps    how to  take advantage of the  resources essential to supporting  reps  .

ACN Operations – This  group  of dedicated individuals performs all order provisioning and customer account activation processes from the time a signed LOA is received until the customer’s service is active.

ACN Credit and Collections – This  group  is committed to ensuring that  the customers  you signup  have good credit  . They also help request  payments from  those  who do not or cannot pay their ACN  bill  .

ACN Customer Service –  24 hour customer support and service in four languages: English, Spanish, Korean and French. 

ACN Product Development – This  group  is devoted to the research, development and implementation of  innovative  products  or  services,  updated  or revised pricing and ongoing product attributes and  improvements  .

ACN Commissioning System – Exclusive system used to track and give  in depth  reports  regarding  downlines, customer and convention acquisition, services, usage and commissioning efficiency and activity.

ACN Public and Private Websites – Personalized website , monitoring, improvements, assistance.

ACN Marketing – Expert  marketing  and recruiting  toolkit  , marketing materials,  and more  .

Weekly and Monthly Conference Calls  

 

 ACN Business Opportunity - Compensation Plan   I don’t  wish  to  dive  into  the nitty gritty of  analyzing the ACN compensation plan because  it will   likely  confuse you. Unless of course you have been in Multi level marketing  also known as  network marketing  before  you probably are not familiar with  multilevel marketing  compensation plans.

For those who are,  don’t hesitate  to check out their compensation plan: https://myacn.acninc.com/media/APAC/docs/nz/nzCompPlan.pdf

For  people  unfamiliar  I’m  going to just put it in simple  terminology  for you. The ACN compensation plan is more of a direct sales plan . This means you make  a majority  of your money from the initial sale of  goods  .

The  backend  residual (recurring payments that you receive  even  after the first  sale is  completely  , usually in specific amounts and at regular intervals) is not  too  much. This does not mean you  cannot   generate  a HUGE residual. It  simply  means that within this compensation plan you are going to have it somewhat  harder than others .

ACN Business Opportunity – Conclusion

 ACN has been in business for over a decade and is a credible corporation  . If you work their system you will make money, no doubt about it . The only  slight downside  is that it’s  more difficult  to  create  a residual than other  comp  plans.

But this does not mean you cannot . Personally I would go with a  comp  plan that makes residual easier to build but this does not mean ACN  isn’t  a  fantastic  corporation. I have a great impression of them and I know they offer some great , unique products.

Bottom line though : If you  wish  to make money in ACN or any other direct sales/network marketing company you  simply must have  a  steady  flow of leads aka people to  show  the  services  to. Every direct sales/network marketing company suggests you show the product to a list of your friends and family first.

But the  painful truth  is, we  go  through this list extremely fast …and then what? That’s why you need to know how to generate    a constant flow of leads; it is so  key  .  Think about  if you had 20-40 targeted leads per day coming across your table .

By targeted I mean either a)  those interested  in your  service  or b)  those interested  in  starting  a home  based business  in direct sales/ mlm  .   Let us  say  you make $100 for anyone  that comes in either as a customer or distributor . Now  say  you get 30 leads  each  day.  We’ll further say only  5 get started . That’s $500 a day, $3,500  per  week, and $14,000  per month.

Some individuals  in ACN  earn  more than that…! Some don’t earn  anything . The  big question  is:  what is  the difference that makes  all the  difference? Why is there a huge gap when the opportunity is the same for  every rep  . One of the main reasons is that the people earning  a lot  just  know how to generate more leads every day.

Seriously think about it. If you have 20-40 targeted leads coming in  each  day…do you think you would have  any trouble  ?  There’s  a potent video coaching called Limitless Leads that I highly suggest.

If you’re interested in generating leads like the top  income earners  then  visit  here now ===>Watch Limitless Leads and start  copying  the industry’s top earners!

 Succeed  !

P.S. Top  income earners   are able to  sit back, relax and make money is because  recruiting  people up is effortless each day. They  simply know  how to  create   huge  numbers of leads a day.  In fact, one  student now  receives  over 500 leads a day give or take…! Find out more here…         

Tips On Finding The Best iphone Contract deals

Thi article looks at the best iphone4 deals on the market and how to go for money saving plans.Apple’s gorgeous iPhone is a neat looking gadget that delivers supreme performance. Among the smart phones, there is no other phone that can actually contend with Apple’s gadget so far. There have been many attempts to build smarter high tech features to beat the iphone, unfortunatly this hasn’t been successfull. The apple iphone is quite expensive on it’s own, ranging from anywhere between £300 to £500. Going through a contract agreement with a network company is the best way to go. Speaking of network  providers, there are a huge variety of them to choose from, each having their own price and contract agreemenet which varies slightly. There is the O2, T mobile and Orange phones and virgin networks. The one big secret to choosing the best  network provider from this list is to find out which of them have a good network  coverage in your area. Some network  companies have more coverage in certain areas, so do check before you sign up with them.Get more information on the best iphone 4 deals and other best iphone deals.

As you would have known by this time, Apple’s great looking smart phone, the iPhone doesn’t come cheap. You can buy phones out of contract, but that is going to be very expensive. For best money saving plan, it is best that you opt for a contract phone were the retail price of the phone is spread out through the term period of the contract. The deals and discounts on the new gadget are provided by several companies and you are not left alone in the world. The internet offers great knockdown prices on contract phones. You can browse easily and without much effort land yourself a good bargain.

Identifying what features and benefits you want from both the iphone and contract is crucial to your hunting experience. If you have already set your heart on one of the coolest electronic devices, you won’t go back. There are numerous models of the phone from Apple and you should determine what you want to use. All the service providers in the UK now provide 3G support and you are better off buying Apple’s super smart phone that provides 3G support.

With the iPhone contract deals, you can lock in on a service provider of your choice and choose a plan that is best suitable for your needs. Even though you have to agree the contract with the service provider for one or two years, you will still be able to choose a service package that will save you money in the long run. Picking a service plan starts with you first identifying who you are, what type of calls do you make most frequently, is it local ? Is it at a certain time? Do you love to text more or less? Identifying these will help  you tailor your needs to a contract plan that matches. However, if you make long distance calls, you should choose a network provider accordingly.

With so many online iphone deals on the internet today, it’s important to note there are also many scam phone companies too. Be carefull when hunting for deals. It is good to be cautious and skeptical at first and you should always trust only a reputed website offering the deals and discounts. You should read all the details and you should be well aware of what you are signing for. In an attempt to save money, you should not always choose a plan that sounds to be cheap. You should consider your usage and your needs before accepting a deal. A well informed buyer can always make a smart choice which provides to be cheap in the long run.

 

Google may soon be using technology to kill your business.

In merely a few days yet another e-mail may arrive stating the the online world has modified for business enterprise online. Without doubt over past few years technology has blown apart sales and marketing tactics.  Of course the net has had a massive effect on enterprise from the beginning wild west of dial up modems and bulletin boards and easy 2 web page html web sites.  Nowadays pretty much absolutely everyone has access to the world wide web whether or not via satalite, broadband or smartphones.

For businesses it is  important to track the changes and to make certain that these new marketing opportunities are permanently exploited to gain market share. So today the affect of hi tech is completely changing the business community.  Whether you intending to sell TVs or promotional golf umbrellas customers are now free to roam away their TVs and GPS plus PCs, location monitoring tells companies the place these folks are and so they can have package fired to their phones where ever they are.

All this sounds great doesn’t it?.  The absolutely open intenet and smartphone network lets everyone to begin a company and to leverage fantastic technological innovation like QR codes, autoresponders, geo location based marketing. Just one moment no we aren’t neglecting to mention local marketing technological innovation  similar to promotional umbrella using corporate logos on them but merely online for now.

Having said that everything is not all rosy in the garden.  What with the breakthroughs in technology management tightens up. The search engines like Yahoo are incessantly seeking to boost which these folks offer to their online searchers.  This is provoking a squeeze around marketing online and it is provoking the class of marketing that is allowed by the search engines and ISPs becoming secured down. 

The good old days of simple squeeze web pages and CPA offers being run at wonderful revenue on Yahoo Pay per click are no more.  With the simple truth that a key aspect of marketing moving forward should revolve around relationship marketing and becoming permitted to send communications via the smartphone network if a buyer has connected with you, suggests that old customary easy marketing that leveraged of the initial technological innovation of the world-wide-web can accept away. As they say in the horse world get the bit between your teeth or more specifically pelham bits

E-mail customer marketing via autoresponders can crash and burn except if you have a good open and click in rate.  It should be all about the need for possessing a voice and a products so that people need to hear from you. The technological innovation you use to get your proposition out there so successfully in the old days could additionally be the tecnology that may possibly destroy you if you don’t develop relationships as well.

 

 

What is an Online Bachelor Degree Training?

There are many Online Bachelor Degree Training Programs available, more than you may find at any one university institution. No matter whether you would like to begin your 1st degree in Education or specialize in any other areas, there are many choices open to you.  The important point to take into account when investigating any type of Online Bachelor Degree is what you would like to get out of studying and the time you’re willing to invest in the completion of the degree.  Setting aside enough time and making a positive study room are two things which will help make the pursuit of a different degree less complicated and a lot more pleasant.

If embarking on your first Online Bachelor Degree Education program, start your investigation with a fast web search.  You will be able to compare the diverse On line Bachelor Degrees available and ensure that the one you find interesting, is the subject that you would want to pursue.  It is essential to ensure it’s a thing which will maintain your curiosity throughout the length of the degree. If you are interested in teaching, you might make sure that the modules and courses available to you while pursuing this  degree are compatible with your interests and goals.  You may find that a different degree is preferable and will not end up starting a program which will end up being tedious and a battle to complete.

If the reason you’re thinking about an online doctorate degree is particularly to teach, you could also discover with an web search what sort of resources the institution or organization you attend has available to you.  When thinking about an education degree, you will wish to see what sort of teaching placements they may have in your area or other ways you could gain experience in teaching while finishing your studies.  Like other Online Bachelor Degree programs, you will also wish to be convinced that suitable resources for study and conferencing with the teaching staff are available so you have someone to go for help when you require it.

If you are thinking of specializing in education for professional development purposes and already have a degree in Education, an Online Bachelor Degree Education may be the greatest way to balance work and further your professional standing.   However, you may not need another bachelor degree and instead you could just have to update your current degree with specialist courses.

When considering what On line Bachelor Degree Education Program to follow, make sure you spend most of the time researching and thinking of the area in which you would like to make your career.  In education, for example, if you’re not sure what to specialize in, you may always survey the market for teachers and evaluate what sort of teachers are in demand.  Though it could be a while before you graduate it might give you some guidance.  It may also be helpful to consult the local board of education and see what help they couldprovide.

  Also, if you have an aptitude for math or science, consider pursuing that course as they are always in demand.  It will be much easier for you to teach but more importantly, help you facilitate your entry into your first job in education right after you complete your On line Bachelor Degree.  When thinking about any type of further education, look at options where you could volunteer in the career area you would want to be involved in – learning the ropes and making a name for yourself can help with landing that first and important new job.   Your On-line Bachelor Degree is just the first stage to a better career – maximize your opportunities when you can!

Unlisted Cellular phone Quantity Research – Read Prior to You Invest Any Funds!

unlisted phone number – Read Just before You Invest Any Funds!

So imagine which you get your mobile phone invoice for your month and there is certainly a mysterious amount which has known as you a few times. You do not know who this amount belongs to, and that means you seek advice from a totally free on-line reverse phone lookup or other directory. All your research queries result in no relevant data. If this will be the situation, then the number you might be seeking for is an unlisted number and it’s most likely a mobile phone amount. When someone needs to pay a modest fee to possess an unlisted landline, cellular phone number will not be detailed in neighborhood white pages or accessible making use of no cost online searches unless of course the cellular phone proprietor has particularly requested to have their quantity within the telephone e-book. If this is the case, then you will need to do an unlisted cellular phone quantity search.

Given that for one of the most part cellphone numbers are unlisted rather than available using public datebases, searchers will should make use of a paid support as a way to execute an correct, successful and useful unlisted cell phone quantity investigation. Absolutely free online data bases don’t hold the sources to compile accurate information and facts about unlisted cellphone numbers. Totally free databases use public directories to pool their details about a person. Since an unlisted cellphone number won’t be inside a public database, a absolutely free services won’t have the ability to offer the searcher with any related info.

Performing an unlisted cellular phone number search with a paid out database is a lot more most likely to deliver helpful and accurate outcomes. Compensated services buy customer info through the organizations that present cellphone assistance for the customers and then compile it into an accessible database. A few of these services might be utilized by spending a onetime charge but the majority of them are readily available for a yearly subscription at a somewhat low cost towards the person. When a user pays to use a database they’re not only covering the database’s legal obligation to cost for such details to shield versus the misuse from the support, they are also obtaining far more organized, accurate and as much as the date data. Paid databases can use numerous utility sources to compile details with their sources. They’re thus the very best choice for and telephone quantity lookup and especially for an unlisted cell phone amount research.

Making use of a paid database to perform an unlisted cellular phone quantity research is uncomplicated. The searcher only wants to enter the mobile phone number to lookup the data base for crucial info regarding the owner in the number. This information and facts typically consists of the cellphone user’s name, metropolis of residence and deal with. This information is most normally compiled in an easily accessible and organized method with the paid out service. For more fantastic information and resources on the best CB products such reverse phone lookup and trace a phone number go to our site these days.

IPhone Insurance Hints: How You Can Watch Your Favorite TV Shows In Your IPhone 4

Are you currently a TV addicted person? Do you ever get upset anytime you miss an episode of your favorite TV program? Television shows are the most abundant among all forms of media shown on television just about every day, very much like Television soaps, reality and game shows that are widely addictive. We all, the media fanatics, are quite easily hooked basically because of various aspects that affect all of us from dedicating our own time to them.

The first is the collection for characters as well as the personalities that portray all of them, it’s a major factor when right now there are captivating heroes currently being described on a Television show, it maybe even heightens each of our interest when the actors that deliver a realistic touch to the part are representing such type of characters efficiently. The other is credibility of the actual production team, if the said staff members for a Television show has actually been making remarkable TV programs in past times, then it is more likely that fans will take time to support the show.

The storyline and theme is still another, aspect if an individual is fascinated with the storyline, all the more that they gain that desire to conscientiously adhere to it. Not to forget the influence of type featured by the heroes. These are simply a very few of the influential aspects that get a fans connected to a TV show. It becomes a supporter’s regular routine to watch them. But yet, also there will possibly be inescapable instances when we’ve got to skip out on them all. Such as an important dinner time along with the in-laws, business activities that our own supervisor assigns for us to facilitate, a school activity which is mandatory for all those university students of the campus.

What exactly do we do if ever we skip an episode? Some others spend some time to ask their housemates to report the show for all of them and so that they may possibly view them later on. On the other hand, download all of them from search engines that provide TV program episode downloads. Still, the reported strategies already have restrictions. A wonderful way to resolve this is to watch all of them directly from your iPhone 4, the iPhone keeps you updated simply by subscribing to your preferred TV shows via i-Tunes, or more often called as podcasts.

Podcasts are really a set of digital media computer files that can also be downloaded straight or streamed via the net. This kind of one fantastic function is merely supplied by the iPhone 4. This particular way you can actually stay tuned to your own most-liked TV programs in times that you simply can’t capture all of them. What could be even greater is an i Phone insurance policy that goes with your own iPhone. A thorough iPhone 4 insurance plan allows you a broad insurance coverage, from accidental damage, loss or even theft, fluids damage, or even a 90-day Worldwide coverage that runs from your own home to the great outdoors of another country.

Always keep yourself just updated and protected also. After all, the particular podcasts and iPhone insurance is a wonderful tandem for your current Apple iPhone. You can constantly be on the go, anytime and anyplace. – iPhoneIns107i36d21k_SeoLV*MaG

A Look At The Additional Benefit iPhone 4 Insurance Protection Can provide You With

The Apple iPhones from The Apple company tend to be everything you could would like them to be. The newest version makes video calling a real truth and has incredible new features. The mobile phone is packed with the latest features including two digital cameras, 1 to the front side and one on the back. The screen is actually a high-resolution one and has a high pixel count that makes sharpened images. This is the ultimate multi tasking gadget that lets you swap among several programs instantaneously without decrease of speed and it is packed with additional attractive functionality.

An Apple iPhone 4 costs 410 to 650 Sterling without a agreement. However, it gets highly expensive if you decide to replace it part way through a contract. Therefore it is a smart idea to insure an Apple iphone. If the mobile phone falls into repair, exchange is not affordable either. Official repair shops charge more than a hundred dollars to exchange damaged parts.

Consumers are able to use an extended guarantee system from Apple for a one-time charge. Manufacturer’s imperfections and malfunctioning battery packs are covered within this plan. Nonetheless, it does not cover loss, thievery, or cumbersome handling on the part of the phone users.

Having said that a few insurance underwriters will provide mobile phone insurance to protect against loss of the phone or accidents which could throw the phone into restore. Nonetheless, a few customers are of the perception that the insurance deal is not worth it because of the high charges. Some cite that you end up paying out a lot more for the phone in case it is lost in the later period in the commitment. Lots of the consumers report that they are previously paying high charges for voice and data companies of the phone. The proprietors of the Apple iphones can avail of the insurance within 30 days of activating program through a phone application that tests whether the phone is in a doing work condition.

Compare online iphone 5 insurance cover . There are other players than merely your mobile phone network provider and retailer for excellent value insurance coverage.

A new Chanel Tote is usually Fashionable, Exquisite and also Ageless

Running a Chanel handbags will certainly so that simply seem particularly state-of-the-art as well while tasteful this sophisticated adornment can also help to increase the way you look feeling of timelessness. Another type of special attribute of your exceptional make of handbags would be the offered choice of colorations which include jasmine that could head on down amazingly excellent as soon as using a clear bright tank top together with denim jeans as well as that can actually supplement an effective sundress.

However, there is also without doubt next to nothing ceasing a single by sporting a new Chanel purse despite having conventional fashion clothes nevertheless if it might be utilized by using anything trendier, the effects is without a doubt a whole bunch elegant along with additional top-quality chanel wallet price. A single amazingly trendy illustration of that kind of purses and handbags is definitely the Writer Ladies handbag which includes a lot of pouches for it, along with which happens to be well suited for your businesswoman or for qualified doing the job females.

In truth, this kind of a number of tote is very large as well as massive satisfactory to hold on to all your simple makeup products products moreover while various other bits and bobs that you simply commonly transport concerning on hand vintage chanel bag. To ensure, your White colored Pail can be a further form of Chanel tote that is definitely as well very massive as well as which often offers quilted leather-based engineering that is definitely nearly any unique of most Chanel totes.

You could find several excellent options out there once you need to suit your Chanel ladies handbag using an night time gown just like ones that have been made outside of silk which in turn throughout dark household leather as well as together by using a precious metal cycle will make a genuinely modern report chanel bags cheap. These kinds of totes likewise encompass quite a lot of leeway in addition to clearly have become classy and also, are usually in synchronization together with most up-to-date styles is actually pouches to secure your lip stick as well since looking glass, it is among the list of greater Chanel clutches that really help around holding diverse objects in the tote in a very much more prepared method.

Gucci Jockey Choice Carry & Gucci Deborah Silver Huge Hobo

With regard to style fans who definitely are not too vibrant yet greatly captivated simply by trend items cheap gucci bags, the best option to prevent trendy is to purchase an existing developer handbags. Of those hand bags might have quality of energy. Sometimes a number of years include surpassed; a traditional custom tote even now is available in style globe and provide a classy overall look.

Even so, among the many traditional developer totes through the best style model how to purchase a fantastic is a tricky endeavor. Inevitably, Gucci bags is one kind of hottest product or service for the kids gucci handbags. Currently I have acquired 2 basic purses and handbags out of Gucci timeless assortment to manufacture a assessment, this Jockey Method Handbag along with Dual Grips and also Deb Precious metal Significant Hobo.

Both these function this basic beige/ebony GG material. Weighed against this forehead household leather decrease in addition to metal components in the case, a off-white natural leather decrease and light-weight precious metal electronics offer people a strenuous carrier. Right in front from the carry is definitely the finished indy little bit fine detail within the the front of your hobo is actually glistening Debbie diamond ring details. I’m got rid of for the horsebit element which will unveils additional elegant emotion.About their own perform, the actual Jockey bag can be tested during 24 back button 20 times Thirty-eight centimeters as well as Debbie Yellow metal hobo is definitely measured during Thirty-eight by 06 y Twenty six centimetres. The interior squat back pocket and also phone purses are prepared for both all of them gucci hobo bag large. Even though they offer the enough convenience of your own apply, using the changeable aspect belt, the particular handbag place may be tweaked reported by your family needs. Plus the backside guys give further safeguard for your ladies handbag.