Regulation A+ Offering: Hype or Reality?

Regulation A+, a relatively recent fundraising mechanism, has attracted significant attention from both investors and businesses. Proponents praise its potential to democratize access to capital for entrepreneurs, while critics express concern about its effectiveness.

The allure of Regulation A+ lies in its ability to leverage the power of crowdfunding to raise funds from a wide pool of investors. This, in theory, can offer businesses with an alternative to traditional financing sources and promote economic development. However, the complexity associated with navigating the regulatory landscape and the risk of fraud remain significant concerns.

As the Regulation A+ ecosystem matures, it will be essential to strike a balance between fostering innovation and ensuring investor protection. Only then can Regulation A+ truly realize its full promise.

Regulation A Plus | MOFO

MOFO's expert team is well-versed in Regulation A+, a mechanism under the Securities Act that allows companies to raise capital from the general public. Employing this method, businesses can secure funding for development while meeting the requirements of stringent regulations. Our practitioners assist companies through every phase of the Regulation A+ procedure, ensuring a efficient and compliant offering.

Concisely explain Title IV Regulation A+ regarding Me

Manhattan Street Capital is a crowdfunding platform that specializes in helping companies raise capital through Title IV Regulation A+. This regulation allows private companies to sell securities to the public and raise up to $75 million per year. Businesses can use this funding for various purposes, such as expanding operations, developing new products, or acquiring other businesses. Manhattan Street Capital provides a comprehensive platform that assists companies through the entire Regulation A+ process, from application to investor communication.

Should you you're a company looking to raise capital, Manhattan Street Capital's expertise in Title IV Regulation A+ can be a beneficial asset.

New Reg A+ Solution: What Is A Reg - We Hold All Of Them

Navigating the world of securities offerings can be complex. That's why we've become experts in Reg A+, a powerful avenue that allows companies to raise capital from the public. Whether an entrepreneur seeking funding or an investor looking for new opportunities, Reg A+ could be the perfect solution. Our team is dedicated to providing clear, concise information throughout the entire process.

We understand that every company has unique needs. That's why we offer a range of customized options tailored to your specific requirements. From initial consultation to final filing, we'll be there every step of the way to ensure a smooth and successful Reg A+ offering.

  • Uncover the benefits of Reg A+ for your business.
  • Access our expert knowledge and experience in navigating the regulatory landscape.
  • Enhance your chances of a successful capital raise.

Regulation A+ Explained For Startups

Launching a startup is an exciting journey filled with innovation. But amidst the hustle and bustle of building your dream, navigating the complex world of legislation can feel daunting. A key piece of the puzzle for startups seeking funding is understanding Regulation A+, a unique mechanism that allows companies to raise capital from the public. Regulation A+ offers a streamlined path to raising funds, potentially unlocking significant growth opportunities.

  • Essential benefits of Regulation A+ include expanded investor access, increased capital raising capabilities, and a more accessible fundraising process. Startups considering this path should thoroughly examine the specific requirements and factors.
  • Consulting from experienced legal and financial professionals is highly recommended to ensure a smooth compliance process. Regulation A+ can be a powerful tool for startups seeking to expand their reach, but it's essential to approach it with a clear understanding of the framework and its potential impact.

Facilitates Equity Crowdfunding

Regulation A+, also known as Reg A+, acts as a powerful tool for businesses desiring to raise capital through equity crowdfunding. It provides a streamlined framework for companies to issue and their securities to the public, reaching everyday investors. Under Reg A+, companies can raise up to twenty-five million dollars in a year, granting them with access to a wider pool of capital than traditionally accessible via private offerings.

The process for Reg A+ equity crowdfunding involves several key phases. First, companies must draft and submit a detailed offering statement with the Securities and Exchange Commission (SEC). This submission provides investors with a thorough overview of the company, its business plan, and the risks inherent in the investment.

Upon the SEC has reviewed and approved the offering statement, companies can begin marketing their securities to investors through various mediums. This can encompass online platforms dedicated to equity crowdfunding, as well as traditional advertising campaigns.

{Ultimately, Regulation A+ provides a viable avenue for businesses to secure funding through the power of the crowd. By making it simpler for companies to access public markets, Reg A+ has the potential to foster entrepreneurship.

Regulation A+ Offering

FundAthena is a service leveraging the power of Regulation A+, offering entities the opportunity to contribute in promising startups. This alternative funding mechanism allows companies to raise substantial capital from a wider range of sources, while providing entities with exposure to high-growth ventures. FundAthena's dedicated team manages the entire Regulation A+ process, ensuring a transparent experience for both projects and their backers.

Unrestricted Historical Stock Securities

Venture into the burgeoning realm of Special Purpose Acquisition Colonial Stock Securities, where history meets innovative finance. These unique instruments grant investors access to a diverse portfolio of historically significant establishments. Each share represents a stake in the potentialrevolution of these enticing ventures. Embrace this exclusive opportunity to shape to the transformation of our collective past.

Our Discovery

Finally, after months of tireless hunting, our team has made a breakthrough! We've uncovered a ancient registration. It's in pristine condition, and we believe it could hold the key to understanding long-lost histories. This is a moment of excitement for our entire team.

  • First| inspections are already underway, and we're eager to disseminate more details soon.

Raising Funds - Title IV Reg A+

Delve into the exciting world of Crowdfunding under Reg A+ with our insightful infographic. Discover how this powerful financial tool can empower your venture to reach new heights . Explore the key advantages of Title IV Reg A+ and understand its influence on the modern financial landscape .

Whether you're a seasoned entrepreneur or just starting out, this infographic provides valuable insights into the intricacies of Title IV Reg A+. Gain a comprehensive understanding of the process, eligibility requirements, and potential rewards. Learn how to tap into this unique funding opportunity to fuel your development. Don't miss out on this essential resource for anyone interested in exploring the exciting realm of Title IV fundraising.

  • Join us into the world of Title IV Reg A+ today!

Regulation A+ - Securex Filings LLC

Securex Filings LLC is a a leading platform for ventures seeking to tap into the advantages of Regulation A+ offerings. With extensive experience in securities law and the intricacies of capital raising, Securex Filings LLC provides a comprehensive range of solutions designed to simplify the Regulation A+ journey . From preliminary consultations to final , their dedicated team supports companies through every phase of legal requirements.

  • Securex Filings LLC aim to guiding businesses in mastering the complexities of Regulation A+.
  • Companies can benefit from Securex Filings LLC's expertise to maximize their chances of a successful Reg A+ offering.

Discover Crowdfund.co

Crowdfund.co is a/provides/serves as a platform/an online hub/a resource for individuals/people/backers to invest in/support/fund innovative/exciting/groundbreaking projects. Through/On/Via this website/platform/marketplace, creators/developers/entrepreneurs can raise/secure/gather capital/funding/money for their ideas/ventures/projects. Crowdfund.co offers/presents/features a variety/range/selection of categories/fields/industries for investors/backers/donors to choose from/select/explore. Whether you're/If you are/You might be looking to/searching for/interested in making an impact/supporting innovative ideas/finding investment opportunities, Crowdfund.co could be/might be/can be the perfect place/ideal destination/go-to resource.

Fundrise Reg A Offering

Fundrise has made available its current Reg A offering. This type of funding round allows individuals to purchase shares of Fundrise's portfolio of real estate properties. The offering is currently open and presents a potential opportunity for investors seeking exposure to the property sector. Fundrise has achieved significant successhistorically with its previous Reg A offerings.

Investors interested in learning more about the Fundrise Reg A offering should visit the company's online resources. There, they can review the offering specifics. Before making any investment decisions, it is always advisable to conduct thorough research and consult with a financial advisor.

The

The Securities and Exchange Commission is/serves as/acts as the primary regulatory/governing/overseeing body for securities/financial markets/investments in the United States/America. Established/Founded/Created in 1934/the early 20th century, the SEC is tasked with/aims to/strives to protect/ensure the fairness and integrity of/maintain financial markets/transactions/instruments by enforcing federal securities laws/regulations/guidelines. Its/The responsibilities include/encompass/extend to registering/regulating/overseeing broker-dealers, investment advisors, and mutual funds, as well as investigating potential fraud/violations of securities laws/market manipulation. The SEC also plays a key role in/actively participates in educating/informing/raising awareness the public about investment risks/securities regulations/financial literacy.

Transform Your Funding Journey With CrowdExpert Title IV Reg A+ Equity Crowdfunding

CrowdExpert Title IV Reg A+ Equity Crowdfunding offers businesses a unique and dynamic platform to acquire the capital they require for growth and expansion. Leveraging the power of the community, CrowdExpert connects projects with investors who are passionate about innovation. By offering shares of equity in exchange for investments, businesses can access a abundance of capital from a diverse pool of participants. This method of funding not only provides monetary support but also fosters visibility for the project, building a strong foundation for future expansion.

  • Gain from a streamlined and transparent platform
  • Reach a wider audience of qualified investors
  • Propel your development through targeted funding

Gauging the Waters

Before diving headfirst into any new venture, it's wise to probe the waters first. This involves methodically observing the current environment. By accumulating data, you can gauge the potential receptiveness of your project. It's a strategic approach that can help you reduce pitfalls.

Mass Crowdfunding

The concept of funding campaigns is no longer a niche practice. It's transformed into a powerful tool that allows individuals initial and groups to raise funds directly from the public. This democratization of funding has opened up a world of opportunities for innovative projects, enabling them to bring their ideas to life without relying on traditional sources like banks or investors. By tapping into the collective power of the crowd, crowdfunding campaigns have become a popular way to fund everything from artistic endeavors to social causes.

  • Websites like Kickstarter and Indiegogo have become central hubs for crowdfunding projects, connecting creators with potential backers.
  • The rise of digital platforms has further amplified the reach of crowdfunding campaigns, allowing them to attract attention quickly.
  • Success stories abound in the world of crowdfunding, demonstrating its ability to support innovative ideas.

As crowdfunding continues to expand, it's clear that this transformative model has the potential to reshape the way we think about funding. It empowers individuals, fosters collaboration, and unlocks new possibilities for creativity and progress.

TheStreetShares

StreetShares is a/an/the leading platform/company/solution for small/medium-sized/local businesses. It provides access to/funding through/capital in the form of loans/investment/credit, specifically designed/tailored/optimized for the needs of entrepreneurs/business owners/startups. With a focus on transparency/community/collaboration, StreetShares strives to empower/support/assist businesses by offering competitive rates/flexible terms/attractive options.

  • Founded in/Established during/Created by 2013/the year 2015/a few years ago, StreetShares has helped/supported/funded thousands of/numerous/a large number of businesses across the United States/country/nation.
  • Their/Its/The company's mission is to provide financial inclusion/make financing accessible/bridge the funding gap for emerging/growing/aspiring businesses.

Moreover/Additionally/Furthermore, StreetShares offers educational resources/training programs/valuable tools to help businesses succeed/thrive/grow.

Harnessing Regulation A+ for Successful Fundraising

Regulation A+ has emerged as a popular avenue with companies pursuing capital. This framework allows public companies to raise significant sums of capital through a streamlined process.

Individuals are drawn to Regulation A+ offerings due because of the potential for considerable returns. Additionally, Regulation A+ provides companies with a platform to access a broader investor base.

A thriving Regulation A+ fundraising campaign relies on several key components. These include a compelling business model, a clear communication system, and a committed team.

Ultimately, Regulation A+ offers a viable option for companies to secure funding.

The SEC's EquityNet

EquityNet offers a range of tools to aid in startup businesses. Through its web-based network, EquityNet connects investors with viable ventures. The website features a variety of tools to aid in the investment process, such as due diligence information, venture capitalist evaluation, and dealdocumentation. EquityNet acts an important role in the arena of startup investment.

Regulation A-Plus Offerings

Companies looking to raise capital may consider Regulation A+ offerings as a less stringent alternative to traditional IPO's. This framework allows companies to secure up to $100 million from the public in a manner that streamlines the fundraising process. Adherence to rules remains crucial, however, as companies must adhere to stringent disclosure requirements and filing processes. Successful Reg A+ offerings can provide companies with valuable resources to support growth and expansion.

  • Pros of Regulation A+ include its relatively easy process, lower expenses, and the ability to tap into a larger investor base.
  • Considerations to be aware of include the ongoing transparency obligations and the need for thorough legal advice throughout the process.

Navigating Regulation in Crowdfunding

The terrain of crowdfunding continues to undergo significant evolution, presenting both possibilities and obstacles. Regulations play a crucial role in defining this evolving {environment|. This demands a comprehensive grasp of the current rules governing crowdfunding businesses.

Government agencies worldwide are steadily endeavoring to implement defined standards that promote responsible and transparent crowdfunding initiatives. These laws aim to safeguard both investors and fundraisers while guaranteeing a equitable playing field for all {stakeholders|.

Adherence is imperative for crowdfunding platforms to conduct business consistently. Failure to comply with applicable regulations can result significant consequences. Therefore,, it is essential for crowdfunding entities to keep abreast of the latest policy updates. , understanding and embracing regulations is integral for the future success and viability of the crowdfunding market.

submitting Requirements

When governing presentations, it's essential to establish clear and comprehensive standards. These regulations aim to guarantee that offerings meet predetermined levels of quality, protection, and adherence with relevant laws and standards. Entities seeking to offer their offerings must adhere these expectations to operate within the framework of legal and ethical boundaries.

  • Specially, offerings in the healthcare industry are subject to stringent rules regarding patient confidentiality and data protection.
  • Conversely, financial offerings must adhere to strict adherence standards to prevent misconduct and protect customers.

Regulation A+ Finance Dictionary

Understanding supervision is vital for traders. Investopedia's comprehensive guide on supervision provides understanding into the complexities of financial systems. From securities to insurance, Investopedia's definitions clarify key concepts related to supervisory frameworks. Whether you are a novice or an veteran analyst, Investopedia's A+ regulation content deepens your expertise in this evolving field.

Supervising A+ Companies

The arena of A+ companies is constantly transforming, presenting both opportunities and challenges for regulators. These high-performing entities often operate at the forefront of innovation, pushing the limits of what's possible. However, their success can also generate complex implications that require careful assessment. Regulators must strive to cultivate a regulatory environment that is both encouraging of innovation while also guaranteeing ethical business practices.

This balancing act requires a refined approach, one that recognizes the unique characteristics of A+ companies and their impact on the broader market.

There are several key areas where regulation of A+ companies must be carefully considered. These include:

* Data privacy and security:

A+ companies often collect and process vast amounts of insights, raising concerns about the protection of user information.

* Algorithmic transparency and accountability:

As A+ companies increasingly rely on intelligent technologies, it is crucial to ensure that these algorithms are understandable and held accountable for their outcomes.

* Competition and market dominance:

The success of A+ companies can sometimes lead to concerns about market concentration, which could negatively impact consumer interests.

Addressing these challenges requires a collaborative effort involving regulators, A+ companies, researchers, and the citizens. Through open dialogue, it is possible to develop regulatory frameworks that promote both innovation and the flourishing of society.

Supervision A+ Summary

Regulations provide a level playing field across industries by setting standards. A+ summaries typically highlight key aspects of these regulations, providing a concise overview for stakeholders. These summaries are essential for understanding conformance requirements and navigating the details of regulatory frameworks.

  • Positive impacts of regulation A+ summaries comprise:
  • Improved understanding of regulatory requirements
  • Facilitated compliance processes
  • Minimized risk exposure

Rules Within the Real Estate Market

The real estate market is a complex ecosystem governed by/regulated through/controlled by strict/comprehensive/robust regulations/laws/guidelines. These rules/standards/policies are designed to/implemented for/intended to protect/safeguard/ensure consumers, promote fairness/maintain transparency/foster ethical conduct in transactions, and prevent/mitigate/address fraudulent activities. Real estate professionals, including brokers/agents/developers, are required to/expected to/obligated to comply with/adhere to/follow these regulations/guidelines/standards.

  • Notable/Key/Important aspects of/areas covered by/issues addressed by regulation in the real estate industry include/encompass/address property disclosures/listings/transactions, agency relationships/client representation/confidentiality agreements, fair housing practices/anti-discrimination policies/equal opportunity laws, and real estate financing/mortgage lending/loan servicing.

Understanding/Being aware of/Familiarizing oneself with these regulations/the regulatory landscape/legal framework is essential for/crucial to/highly important for anyone involved in/participating in/engaged in the real estate market.

My Mini-IPO First JOBS Act Company Goes Public Via Reg A+ on OTCQX

After months period of preparation and dedication, our company is thrilled to announce its public debut via a Regulation A+ offering on the OTCQX marketplace. This milestone represents a significant achievement for us as we embrace this new chapter of growth and opportunity.

We believe that this listing will provide enhanced visibility to our investors and future stakeholders, while also allowing us to secure the capital necessary to power our next phase of expansion. We are excited about the future and look forward to share our journey with all of you.

Facilitates Reg A+ raises on the platform

FundersClub, a well-established online equity crowdfunding platform, unveils a new feature that allows companies to conduct Reg A+ raises directly on its platform. This development broadens FundersClub's capabilities, giving businesses access to a wider pool of investors. With Reg A+, companies can secure up to $50 million from the general public. FundersClub's user-friendly platform streamlines the fundraising process for companies, making it easier than ever before to tap into the power of crowdfunding.

Understanding Regulation A+

Regulation A+, often referred to as "Reg A+" for brevity, is a/acts as/constitutes a financing exemption within the U.S. securities laws. It allows companies to raise capital from the general public through a process/method/system known as crowdfunding. The goal of Reg A+ is to provide smaller businesses with a more accessible path to raising funds, compared to traditional methods like initial public offerings (IPOs).

Under Reg A+, companies can offer and sell their securities directly to investors online or through broker-dealers. There are two tiers within Reg A+: Tier 1 allows companies to raise up to $20 million within a twelve/one/specified month period, while Tier 2 permits fundraising of up to $75 million over a similar timeframe.

To participate in a Reg A+ offering, investors typically must complete a simple verification process to ensure they meet certain income or net worth requirements. These offerings can be found on specialized Reg A+/Regulation A+ crowdfunding platforms/crowdfunding portals.

These platforms act as intermediaries, connecting companies with potential investors and facilitating the entire fundraising procedure/process/cycle.

Navigating the Regulatory Landscape During IPOs

Bringing a company public through an Initial Public Offering (IPO) is a complex undertaking, requiring meticulous planning and adherence to stringent regulations. The regulatory landscape surrounding IPOs can be particularly intricate, involving multiple agencies at both the federal and state levels. To ensure a successful IPO, companies must navigate these regulatory hurdles effectively by complying with disclosure requirements, undergoing review processes, and adhering to market stability principles. Failure to do so can result in significant penalties, legal litigation, and damage to the company's reputation.

  • Companies planning an IPO must engage with regulatory consultants to ensure full compliance with applicable laws and regulations.
  • The Securities and Exchange Commission (SEC) plays a crucial role in overseeing the IPO process, reviewing financial statements and other reports.
  • Corporations must report material information to potential investors to ensure transparency and safeguard investor interests.

Companies Utilizing Reg A+

Reg A+ offerings present a unique avenue for companies to raise equity in the public markets. By leveraging this provision, companies can secure investments from a wider pool of individuals. This process typically involves filing a registration statement with the Securities and Exchange Commission (SEC) outlining its financial projections. Reg A+ offerings are preferred by companies in various sectors, particularly those seeking to fuel growth.

  • Some notable benefits of Reg A+ offerings include:A key advantage of Reg A+ offerings is the ability for companies to raise funds directly from investors without relying on traditional underwriting fees. This can lead to significant cost savings and allow companies to retain a larger portion of the capital raised.
  • Another benefit is the increased visibility that comes with launching a public offering.{Reg A+ offerings also provide companies with enhanced brand recognition and media attention, which can be invaluable for attracting new customers and partners.

However, it's important to note that Reg A+ offerings are not without their challenges. Companies must comply with stringent SEC regulations and prepare comprehensive disclosure documents. It also requires significant effort and resources to effectively market the offering to potential investors.

Regulation A+ Rules

The implementation of Regulation A+ rules has significant importance in promoting transparency within the investment markets. They are designed to standards of responsible conduct by participants involved in raising capital. Adhering to Regulation A+ rules is essential for investors to safeguard their investments.

A thorough understanding of Regulation A+ requirements facilitates companies seeking funding and individuals investing to participate effectively in the capital markets.

Additionally, Regulation A+ offers a clear mechanism by which companies can raise funds while safeguarding investors' interests.

SlideShare guidelines a securities act of 1933 jobs act 106 reg A tier 2 offering

The JOBS Act, specifically Section 106, implemented Reg A+ as a streamlined mechanism for smaller companies to raise capital. This level 2 fundraising under Reg A+ allows companies to publicly disclose their securities offerings through various channels, including SlideShare, to attract potential investors. SlideShare's website can be a valuable tool for companies seeking to comply with the disclosure provisions of Reg A+ Tier 2 by providing a easily navigable format to communicate their financial information and business plan with a wider audience.

  • Note: SlideShare's community guidelines should be carefully reviewed to ensure compliance with securities laws and regulations.

Controlling a Text Successfully

When dealing with text, regulation becomes essential for obtaining desired effects. This process involves establishing clear guidelines to maintain uniformity and accuracy.

Controls for text can cover a broad range of aspects, including presentation, tone, and matter. By utilizing these standards, we can enhance the readability of text and reduce errors.

  • Successful text regulation contributes to clear communication.
  • Standards foster professionalism in written works.
  • Consistent text enhances the overall quality of any textual work.

Governance a+ Offering

A regulated a+ offering requires a comprehensive understanding of the evolving regulatory landscape. This involves assessing relevant directives and adopting robust procedures to ensure compliance. A effective a+ offering should also enable transparency and strengthen confidence with clients.

  • Essential factors when developing a compliant a+ offering include: risk management, data security, consumer protection

Legislation A Plus Gain

When it comes to laws, a "plus" often signifies a beneficial impact. A regulatory framework that's well-designed and skillfully implemented can boost safety. It can also cultivate innovation by providing a predictable environment for businesses to thrive. This, in turn, can lead to financial advancement and a higher level of living. Ultimately, "regulation a plus" results into a stronger society for all.

Capital Raising Regulation

When a company is seeking to raise capital, they have several alternatives available. Two common techniques are Regulation A and Regulation D. Regulation A is a type of securities offering that allows companies to raise up to $20 million from the public, while Regulation D is used for private placements, permitting companies to sell securities to a limited number of investors.

  • Regulation Aoffers greater public exposure, but it also involves more strict guidelines.
  • {Regulation D|Reg D|concentrates on private placements, making it a good choice for companies seeking less public observation.

Ultimately, the best process will depend on the company's specific conditions and its aspirations.

The FRB's Regulation A

FRB Regulation A is a framework/lays out guidelines/establishes parameters for financial institutions to follow. It focuses on safeguarding/protecting/securing depositors and maintaining financial stability/the integrity of/a sound banking system. The regulation covers/addresses/deals with a wide range/broad spectrum/comprehensive set of activities, including capital requirements/asset allocation/risk management. By adhering to these rules/provisions/mandates, financial institutions contribute to/help ensure/play a vital role in the stability and soundness of the overall financial market/economy/system.

Privacy Officer

A Privacy Officer is a role responsible for managing an organization's compliance with GDPR regulations. This essential expert works to maintain policies that safeguard personal records. They also {act as a liaison between the organization and regulators, delivering guidance on privacy matters.

U.S. Securities and Exchange Commission Approves New “Reg A+” Rules for Crowdfunding

In a significant move to revitalize the crowdfunding industry, the SEC|U.S. Securities and Exchange Commission has finalized new rules for “Reg A+”. This legal framework is designed to enable startups to attract investment from a larger pool of investors.

  • Reg A+, formerly known as Regulation A, previously allows companies to sell their securities to the public without the established IPO process.
  • The new rules expand previous regulations, providing companies with enhanced freedom in how they raise capital.
  • These changes are expected to {have apositive impact on the crowdfunding landscape, making it for both companies seeking funding and individuals looking to invest.

Regulation A+ vs Regulation D

When raising capital for a new business venture, entrepreneurs often face the complexities of securities law. Two common avenues for capitalizing these ventures are Regulation A+ and Regulation D, each with its own distinct framework . Regulation A+, also known as public offering , enables companies to raise considerable amounts of capital from the broader public. In contrast, Regulation D is primarily designed for private placements where investments are made by a select group of accredited investors.

Rule 506 of Regulation D further segments private placements into two distinct categories: Rule 506(b) and Rule 506(c). Under Rule 506(b), companies can {raise funds from an unlimited number of accredited investors, but are restricted to offering securities to a maximum of 35 non-accredited investors. Rule 506(c), on the other hand, provides more flexibility by allowing companies to advertise and solicit investments from both accredited and non-accredited investors, provided they conduct due diligence to verify investor status .

Choosing between Regulation A+ and Regulation D involves diligently considering various factors such as the amount of capital required, target audience, regulatory compliance burden, and overall objectives of the business.

Leave a Reply

Your email address will not be published. Required fields are marked *