Marrio Phill | Rafters Blog - Health and lifestyle advice.

Everything You Need To Know About Plumber Jobs

Home by Marrio Phill on April 3, 2023

Plumbers install and repair pipes that carry water, gas and waste to and from homes and businesses. They also install plumbing fixtures such as sinks, toilets and bathtubs.

They must be knowledgeable of the plumbing codes that govern the trade. Many states require plumbers to earn certification or licensure to practice independently.

Installation

A plumber’s installation efforts start with a thorough inspection of the space where the plumbing will be installed. This includes the walls, ceiling and floor, as well as any existing plumbing.

The next step is the installation of piping, fixtures and appliances such as sinks, showers, toilets and dishwashers.

As you might expect, the most important part of this process is the quality of the workmanship. It is essential that the plumber uses a quality material in order to achieve the desired results, which is why you’ll see most plumbers use copper tubing as the primary component of their work.

A plumber’s installation effort may be categorized into several phases, including the underground rough-in phase, the finish phase and the service and maintenance phase. It is worth mentioning that the finish phase has the highest risk of failure compared to the other two. This is largely due to the fact that the installation process is subjected to a high degree of heat and moisture.

Repair

A plumber in Houston repairs pipes and fixtures that transport water, gas or other fluids in homes and businesses. They also maintain appliances such as sinks, toilets and washing machines.

Plumbing repair is often a quick and low-cost process, but there are some things that can make the process go more smoothly and save you time and money in the long run. Before you call a plumber, make sure to write down any information that they might need or ask for while working in your home.

In addition, be sure to get your pets and children out of the way during the repair process so that they don’t disrupt the work or pose a safety risk for the technician. This will save them a lot of time and hassle while working in your home and make their job easier. And, of course, don’t forget to give them plenty of notice if you have a special event planned in your home.

Maintenance

Plumbing systems play a significant role in improving your home’s efficiency. It delivers fresh water to your showers and bathtub, enables washing machines and dishwashers to run smoothly, and carries waste water out of the sewer system.

When you don’t take care of your plumbing, these essential functions may stop working completely, which will cause you a lot of trouble. For instance, if your pipes get damaged, you can expect to experience a massive increase in your water bill.

However, regular maintenance can ensure that your plumbing stays in good condition for a long time. In addition, it can help you catch issues before they escalate to a major problem.

Sales

Most plumbing businesses are small, meaning they typically don’t have a salesperson on staff. This can make it harder to get new business.

The best way to increase plumbing sales is to focus on building customer loyalty, which starts with a positive first impression. Whether customers are calling your company for the first time or they’ve used you before, a great first impression can turn into repeat business and brand ambassadors.

It’s important for plumbers to remember that the people they serve are experiencing an emotional decision when choosing a plumber. Reach out with empathy to let your clients know that you understand the stress and vulnerability they’re feeling, and that you’re here to help.

You can also build trust by educating your clients about plumbing costs. This is a way to give them a clearer idea of how much they’ll need to spend, and to avoid making them feel confused or ripped off. It’s also a great way to set yourself apart from other plumbers by showing that you’re willing to educate your clients on their options and take the time to explain your processes to them.

Health

A Beginner’s Guide To Juicing

Health by Marrio Phill on April 3, 2023

Juicers are an excellent way to add more fruit and vegetables to your diet. They also provide a variety of vitamins and minerals that are difficult to get from solid produce alone.

When buying a juicer, it’s important to consider your needs and budget. Then, you’ll be able to find the perfect machine for your lifestyle.

Types

There are a number of types of juicers on the market, and it’s important to choose one that matches your needs and preferences. Whether you’re a serious hardcore juicer who presses morning, noon and night, or just occasionally want to enjoy a refreshing glass of celery juice, picking the right machine can make all the difference in your health and happiness.

Centrifugal juicers grind and press fruits and vegetables into pulp through a spinning metal mesh basket. This spinning action separates the dry pulp from the liquids, and makes for a quick, easy juice.

Masticating juicers grind and press fruits and vegetables much more slowly, to extract the maximum amount of juice from each vegetable or fruit. They produce juice that contains a higher concentration of vitamins, minerals, and enzymes than centrifugal units, resulting in a healthier, more flavorful drink.

Masticating juicers come in vertical and horizontal models, whose augers operate at slower speeds (usually 80 to 100 rpm) to break down vegetable fibers. They’re great for juicing leafy greens, wheatgrass, and other hardy vegetables. Some also have homogenizing functions to help you make frozen fruit ice creams and nut butters.

Benefits

Using a juicer to create fresh fruit and vegetable drinks is an excellent way to increase your daily intake of fruits and vegetables. Juices are also a good source of vitamins, minerals and dietary fiber.

The best way to enjoy a tasty, nutritious glass of juice is by choosing fresh, ripe produce that’s in season. This is because ripe fruits and veggies are more flavorful and have a higher concentration of nutrients than unripe ones.

A good juicer will remove all of the liquid from the food and leave behind a solid mash called pulp. The remaining nutrient-packed pulp contains very little sugar, and is high in heart-healthy fiber.

You can also use a juicer to make sauces, purees, and sorbets. Some juicers have strainers that can reduce the amount of pulp in a drink to create a smoother texture, while others can allow some of it to pass through for a thicker juice with extra fiber from the pulp.

Extractors

Juice extractors are machines that mechanically separate juice from the solid part (pulp) of fruits, vegetables, leafy greens and herbs. Most of the pulp is discarded, but it can also be used in muffins and breads or composted.

Extractors are usually electric and require less effort than their manual counterparts. They can be used for both fruits and vegetables, though some are better suited to citrus fruit than others.

They can be divided into three types: centrifugal juicers, masticating juicers and triturating juicers. These three juicers are designed in such a way that the fruit’s pulp, skin, seeds and puree are separated to give only refined juice.

Masticating juicers are a good choice for green leafy vegetables such as spinach, kale and wheatgrass. They do not oxidize the juice like a centrifugal juicer does, making it fresher for longer.

Electric juicers

A juicer is a kitchen appliance that extracts the essential nutrients from fruits and vegetables to produce fresh juice. This healthy drink is not only a delicious and nutritious way to start the day, but also helps in preventing diseases.

There are a variety of different types of electric juicers on the market. They can range from simple handheld citrus presses to serious machines that are ideal for juicing large batches of fruits and vegetables.

Centrifugal juicers, which are the most common type of electric juicer, use a high-speed motor and blades to extract the maximum amount of liquid from the fruits or vegetables you put into it. They can easily be cleaned and are a good option for most people.

Another type of electric juicer is a masticating machine. These are considered more functional as multipurpose machines and can grind, grate, mince, chop, and extrude foods. They can also be used for juicing or making baby food, frozen desserts and many other products.

Home

A Guide To Securities Class Action Settlement Recovery Process

Home by Marrio Phill on April 3, 2023

A securities class action is a lawsuit brought on behalf of a group of investors who purchased a stock during a particular period of time (known as a “class period”) and suffered economic loss as a result of fraud or violations of federal or state securities laws.

Public pension plans have a fiduciary obligation to recover funds lost through investments in public securities as the result of corporate mismanagement and/or fraud. A class action settlement is an efficient way to satisfy that responsibility.

Identifying Losses

If you purchased securities during a certain time frame, or the class period, and you sustained losses as a result of the company’s alleged fraud or other securities law violations, you may be eligible to receive a settlement payment. The amount of money you are awarded depends on the number of claims submitted and how much money is available in the settlement fund.

The security class action settlement recovery process is complex and can be confusing. For instance, you must know which securities were traded during the class period and the specific types of losses you suffered as a result of the company’s fraud or other securities law violations.

Filing Proof of Claim Forms

If you are a creditor that is owed money by someone who has filed for bankruptcy, you need to file a proof of claim form. A proof of claim tells the court how much you are owed and what type of claim you have.

A proof of claim is typically accepted by the court unless the trustee or debtor objects to it. However, it doesn’t guarantee that you will be repaid the full amount of your claim.

For claims that are not straightforward, have multiple assets or are for large amounts of debt, it may be advisable to seek advice from counsel.

Monitoring Claims

For securities class actions that result in a settlement, claimants will be contacted by claims administrators. These administrators will validate claims, collect payment information, and disburse awards to eligible claimants.

The claim processing process can be complex and time-consuming, especially for funds that are not filing their own securities claims. Battea helps our clients by analyzing their historical trade data and auditing their existing filings to identify and fix any problems that may be hindering the process.

In some cases, we’ve been able to recover awards for clients even when the claims administrators have denied them previously. For example, we worked with a $500 million long short equity hedge fund that had several of their claims rejected due to issues with their trade data. After correcting their data, we were able to recover more than $2 million in awards for them.

Payment

The settlement recovery process can be an extremely complex and time consuming process. Even the most straightforward securities class actions can require a significant amount of effort and resources to ensure that all eligible settlement funds are recovered.

Having an effective and comprehensive securities class action settlement recovery program in place can help reduce the risk of missing out on eligible settlement monies that could have been used to support your organization’s operations.

This includes the identification of settlement opportunities, filing claims (proof of claim forms) with the court, and monitoring those claims until recovery is received. This can be done in-house or with the assistance of a third party.

Pet

Camping With Your Pet: A Guide

Pet by Marrio Phill on March 31, 2023

An outdoor excursion can be all the more enjoyable by taking your pet with you. If you’re planning on bringing your dog with you on your next camping trip, there are things that all owners must take into account before leaving.

First, make sure that your pet has recently seen a veterinarian and is up to date on all vaccinations. Additionally, it is important to have a first-aid kit at your disposal. Owners should also consider their destination’s local wildlife, the weather forecast during their stay and the location of the nearest veterinary hospital.

Next, owners should be aware of the different policies parks may have when it comes to pets, such as campsite guidelines before choosing a place to rest. There could be rules targeted towards certain dog breeds, additional fees, and limits on the number of dogs you can bring.

Making sure you pack all the necessities for your pet is paramount. Food, medical prescriptions, water, bowls, waste bags and leashes are essential to any vacation. Pack accordingly depending on your destination by bringing trip-specific items such as booties or life jackets. It’s also important to remember that the water may not be safe to drink where you’re headed. Pack a healthy supply of bottled or fresh water.

Lastly, owners must set up a comfy and secure spot for their pets to rest during travel. You may be tempted to have your pet roam free, but these behaviors are risky and can lead to serious injury. Try using a harness that fastens into the seat or bring a crate where your pet can stay while you’re driving. Also, make sure your pet rides up front with you during travel and not in the tow vehicle.

With the proper steps taken, going on a pet-friendly trip is a fun experience no one will ever forget. For a more in depth look on RV camping with pets, please refer to the provided resource.

Visit Parts Via’s website to view camping accessories for sale

News

The Impact Of Short-Form News On How We Stay Informed

News by Marrio Phill on March 20, 2023

People must keep updated about international news to know what is happening around them in today’s fast-paced environment. The introduction of cell phones and the internet has made it simpler than ever to access news. Short-form news apps like Flipboard, Apple News, and Twitter have completely changed how consumers read the report. Users can quickly and easily obtain news and information from all over the world with the help of these apps. In this post, we will examine the effects of short-form news apps on how we stay informed.

News apps have several advantages over traditional news sources. First, they provide a quick and simple way to access international & national news while on the go. Users of smartphones can browse through the most recent headlines, breaking news, and trending stories with only a few touches. Because of this accessibility, people can stay current on significant occurrences and developments regardless of where or what they are doing.

Second, consumers can customize short-form news apps to the degree that traditional news sources cannot match. These apps utilize algorithms to adjust users’ news streams based on their preferences and interests. Users can select the topics or sources they want to follow, and the app will then provide pertinent news and information to their feed. Thanks to this level of personalization, users won’t have to filter through uninteresting stories, which guarantees that they only view content that is pertinent to them.

People can access todays news from various sources through short-form news apps. Users can follow established news organizations, independent reporters, blogs, and social media influencers. This variety ensures that customers are exposed to several opinions and perspectives rather than just one limited viewpoint.
Quick news apps allow consumers to interact with the news and one another. Users can debate current events with friends and followers while commenting on stories and sharing articles. This degree of involvement can help users feel more connected to one another and can help them understand complex issues.

Customers can benefit from time savings with short-form cinema news app. Finding the opportunity to read lengthy articles can be difficult because of how busy people’s lives are. Users of short-form news applications receive clear and concise news, allowing them to read more information in less time.

Real-time updates are another benefit of short-form news applications. Short-form news apps can offer immediate updates as the news develops, unlike traditional news sources that might take a while to cover events. Users can remain current on the latest developments and receive breaking news notifications, enabling them to keep track of significant events.

The way people consume news has undoubtedly changed due to short-form celebrity news app. They provide a practical, unique, and interesting method to access news and information from various sources. It’s crucial to be aware of these applications’ limits and to utilize them in addition to other news and information sources.

Short-form news apps have influenced how we remain informed by providing a practical, unique, and interesting way to get news and information. It is now simpler than ever to stay current on events thanks to these applications, which have altered how consumers consume news—understanding the limitations of these applications to ensure a thorough and educated understanding of the world around us and to utilize them in addition to other news and information sources.

Business

Why are Deposit Slips Important to Businesses?

Business by Marrio Phill on March 6, 2023

Deposit slips are a form of record keeping that banks and other financial institutions require. Individuals use them to deposit their money into a bank account. The deposit slip is a piece of paper with an account number, name and amount of money deposited into an account.

Here are ways in which deposit slips benefits businesses;

Helps with cash flow management

Deposit slips allow you to manage your cash flow from day-to-day activities, such as paying employees, suppliers etc. You will know when money has been paid so that you can use it for other purposes, pay bills, or avoid late payment penalties.

Help track money

Businesses can use deposit slips to keep track of the amount of money they have deposited. The slip is printed with a date, time and the amount that has been deposited. A receipt is also given at the end of the day. This helps in record keeping so that it is easy for businesses to know how much money they have in their bank accounts at any given point in time.

When you deposit cash into your business account, it is crucial to have a receipt. This will help you track where the money came from and who received it. It also helps keep records of all transactions in your business account.

Helps with tax compliance

When you deposit cash into your business account, it’s crucial to record each deposit’s date and amount accurately. This helps ensure that all deposits are recorded properly, making it easier for you to comply with tax compliance requirements imposed by the government.

Helps with reporting requirements

Most companies have reporting requirements that must be met when making deposits into their bank accounts each month or quarter. For example, some companies have reporting requirements related to their cash management policies, such as limiting how much cash can be deposited at one time or requiring that certain types of deposits be made only during certain days or times of day within a given period. When these types of requirements are violated, it can result in a fine from the government. So having accurate records of all deposits made into your business account will help ensure that you meet these reporting requirements.

Protects the customer

Customers expect to receive an itemized receipt when they pay with a credit card. The problem is that many businesses today do not provide these receipts. This can leave customers confused, frustrated and angry.

Improves cash flow

Deposit slips are also valuable because they help businesses manage their cash flow more effectively. It is easy for a business to run out of money at the end of the day if it does not have enough cash to cover all its expenses. Deposit slips help businesses track how much money they have in the bank at any given time to ensure they have enough to cover all their monthly bills.

Helps manage inventory

Deposit slips also help businesses manage their inventory more effectively by providing them with accurate information about what they have on hand at any given time so that they can better plan out their production schedule and storeroom inventory levels accordingly.

Key Takeaway

The benefits of deposit slips can be a boon for businesses. They can be used to track the deposits and withdrawals of money from the bank, which can help keep track of the account balance. The deposit slip also helps ensure that customers do not use any unauthorized credit cards or cheques to make payments.

Business

How to Best Manage One’s Cargo

Business by Marrio Phill on March 6, 2023

The transport and logistics industry plays a vital role in the economy, as it is responsible for the transportation of goods and services throughout the world. Cargo management systems have become an integral part of the industry, as they help to streamline the transportation process and ensure that goods are delivered safely and on time. A cargo management system is a software solution that automates the process of managing the transportation of goods from one point to another. It includes tracking and monitoring shipments, scheduling, coordinating transport, and providing visibility on the movement of goods. It makes it easier for companies to manage their shipments and ensure that their customers receive their orders promptly.

In recent years, the number of cargo management systems available on the market has grown exponentially, making it harder for companies to choose the best one for their needs.

Key Factors to Consider When Selecting a Cargo Management System

The cost of the system should be a significant consideration when selecting different cargo management systems. It is essential to ensure that the system is within budget and provides value for money. Additionally, one should consider the other features. Different plans offer different parts, so it is essential to determine which features are necessary for the business. It will help to ensure that the system meets the needs of the business. Scalability is also an important consideration factor. It is essential to choose a system that can scale with the company. As the business grows, so should the system, so choosing one that can grow with the business is crucial.

Security is a critical factor to consider when selecting cargo management systems. The system should be secure and provide appropriate levels of protection for sensitive data. The design should be easy to use and should not require extensive training. It will help ensure that employees can use the system efficiently and effectively. The system should also have adequate customer support so any issues that arise can get quickly and efficiently resolved.

Types of Cargo Management Systems

Cloud-based solutions are becoming increasingly popular as they are more cost-effective and provide greater scalability. These solutions get hosted on the cloud, so they can be accessed from any location, making them ideal for businesses with multiple locations or operating in various countries. On-premise solutions are installed on the company’s hardware and are typically more expensive than cloud-based solutions. They can provide greater control over data and security, but they require more maintenance and are less scalable than cloud-based solutions. Hybrid solutions combine both cloud and on-premise solutions and are becoming increasingly popular. They provide the benefits of both solutions and can get tailored to the needs of the business.

Conclusion

The selection of cargo management systems is a crucial decision for any business. When selecting a system, it is vital to consider the cost, features, scalability, security, ease of use, and support. Several cargo management systems are available, including cloud-based, on-premise, and hybrid solutions. Choosing the right system for the business will ensure that shipments get managed efficiently and that customers receive their orders promptly.

Business

The Benefits of Outsourcing Payroll Processing to Remote Quality Bookkeeping

Business by Marrio Phill on February 27, 2023

Outsourcing payroll processing to a remote quality bookkeeping firm can provide businesses with a number of advantages. Not only does it free up the time and resources of in-house staff, but it also improves payroll accuracy, offers cost savings and brings a wealth of expertise to the table.

Put Your Mind at Ease with Professional Payroll Processing

For small business owners, dealing with payroll can be an excruciating process. Mark Kilduff, a small business tax expert, even goes so far as to call it a necessary evil. However, it doesn’t have to be. With professional payroll processing from a remote quality bookkeeping service, you can put your mind at ease knowing that your payroll taxes are being handled correctly and efficiently. So, if you’re looking for a way to reduce the hassle and headaches associated with payroll, look no further than outsourcing it to the experts.

Automate Your Administrative Hassle with Remote Quality Bookkeeping

Business owners looking to streamline their administrative hassles should consider outsourcing their payroll processing to Remote Quality Bookkeeping, a small business tax expert recommended by Mark Kilduff. Outsourcing your payroll to Remote Quality Bookkeeping is a great way to reduce administrative headaches and free up time to focus on growing your business. With Remote Quality Bookkeeping, you’ll have access to a team of experienced and certified tax professionals who can help you with the tedious and detail-oriented task of payroll processing. They’ll ensure your payroll is accurate and compliant with all of the latest tax regulations.

Streamline Your Business with the Latest Technology in Payroll Solutions

Small business tax expert Mark Kilduff recommends streamlining your business with the latest technology in payroll solutions. He believes that outsourcing payroll processing to remote quality bookkeeping can be a great way to take the hassle out of managing payroll. With the right payroll software, businesses can save time and money by automating the tedious payroll calculations and filing of taxes. Additionally, they can be sure that they are always compliant with the latest federal, state, and local regulations.

Conclusion.

Outsourcing payroll processing to Remote Quality Bookkeeping can be a great way to save time, money, and hassle. With their advanced technology and experienced professionals, Remote Quality Bookkeeping can help you streamline your payroll process and keep you compliant with all applicable laws and regulations. Their services can help you focus on growing your business and providing excellent customer service while they handle the tedious work of payroll processing.

News

Why Is Short News Good For People Who Don’t Read Newspapers?

News by Marrio Phill on February 23, 2023

Nowadays, a lot fewer people still purchase newspapers. Please be aware that we are discussing newspapers from the user’s viewpoint; it has little to do with advertisements or business methods. Today, the internet is a true commodity. People digest tons of the latest short news online, which naturally influences how they anticipate newspapers’ huge acts. Every time we hold a large newspaper in our hands, it is shocking how inferior it is to reading news online.

Let us go through a few reasons why consuming online text news in short, is convenient.

It is challenging to locate the complete article if we see an intriguing news item on the first page. The references are done using page numbers, although they are local page numbers to a certain section of the document, for example – Entertainment on page 7. Additionally, the area on culture is piled inside the unit we are reading, so we must first locate it before we can locate the page numbers (which are lost on pages with ads) and, lastly, the piece we were looking for.It can be compared to visiting a text news The complete piece is displayed immediately when we click an intriguing article teaser. We frequently see related articles from related categories and can click on them to go there if the post is as fascinating as the teaser implied.

Even the papers published regularly are only handed out once a day. This implies that newspapers cannot compete on speed or be the first with a particular story. Even if you find a report at the right time, a newspaper must be printed and handed out to readers. Several hours are needed for this. Even worse, morning publications falsely claim to cover “today’s news” when covering yesterday’s events. Since there were no quicker means to acquire news before, this was fine.

After they are printed, newspaper articles cannot be updated or improved. Even though they must be corrected or important explanations must be made, they are left to the wind. There won’t be any conversation that was sparked. Of course, this is the best justification for online text and video news. It will have changed if you revisit a large item later that day. Comments and revisions can greatly enhance articles in response to feedback.

Large portions of daily newspapers are just duplicates of content from other sources or bad rewrites of those items. They’re likely trying to be thorough and present a comprehensive picture of what has occurred, which is a reasonable justification. The issue is that they are burying their original content under copious amounts of stuff that has been recycled.On the news apps, the same thing occurs, but instead of duplicating the article, you link to it. The news is then read directly from the source, and you can learn more. Other safeguards prevent individuals from replicating the work of others. As an illustration, Google has unique filters for removing duplicate content.

Fewer people subscribe to newspapers because they think they can get video news in short from a news app. Even though some people are not interested in sports, publications frequently prioritize them over interesting internet-related stories during major athletic events, which is different from the short news articles available on news apps.

Finance

Why Should You Consider Getting Your Teen A Debit Card?

Finance by Marrio Phill on February 11, 2023

A debit card or a prepaid card for teenagers is a great way for teens to learn about financial responsibility. They can use it to buy the things they want, but they must also learn how to budget and save money.

Nowadays, teens are more independent than ever before. They often have after-school jobs, and they need to be able to access their money easily. That’s where a debit card comes in handy. With a debit card, teens can easily withdraw cash or make purchases without carrying much cash. This can also be done with a prepaid card app easily.

There are numerous other benefits of having a debit card or a payment app for children as well. For example, it can help teens learn to manage their money better. A debit card is a great way for teens to get started on the road to financial independence.

What is a teen debit card?

A teen debit card is a card that is specifically designed for teenagers. It is a great way for parents to give their teenagers a taste of financial responsibility without putting them at risk of getting into debt. There are many different ways that parents can use teen debit cards, but the most common way is to load money onto the card and allow the teenager to use it as they would a regular debit card.

There are many benefits of using a teen debit card. One of the biggest benefits is that it can help parents teach their teenagers about financial responsibility. Teenagers with debit cards are responsible for keeping track of their spending and ensuring they only spend what they have. This can be a great way for parents to teach their children about budgeting and managing their money.

Another benefit of using a teen debit card is that it can help parents keep track of their spending from their bank for teenagers. Parents can limit how much money their teenager can spend each day, week, or month. This can help parents ensure their teenager is spending less money or getting into debt.

Overall, a teen debit card is a great tool for parents to give their children a taste of financial responsibility. It is also a great way for parents to keep track of their teenager’s spending.

Why Every Teen Needs Their Debit Card

A debit card is a card that gives the cardholder a set amount of funds against each purchase that they make. Debit cards are linked with bank accounts, and the funds are used to cover the purchase cost. A debit card can also be used to withdraw a certain amount of cash from ATMs, make purchases in stores and online, and pay for services such as gas and parking. The same service is also provided by upi for teenagers.

Giving your teen a debit card has many benefits. It helps them in learning how to manage their money, how to budget, and how to make responsible financial decisions. It also gives them a sense of independence and allows them to make purchases without asking you for money.

Consider a few things before giving your teen a debit card:

Make sure that they have a bank account in their name. This will allow you to track their spending and see where their money is going.
Consider setting up a monthly allowance so they have a set amount of money to spend each month.
Discuss with them what types of purchases are appropriate and what you expect from them regarding financial responsibility.

Giving your teen a debit card is a great way to teach them about financial responsibility. It allows them to learn how to budget and make wise financial decisions. It also gives them a sense of independence. If you want to help your teen learn about money management, consider giving them their debit card.