D The premium. Flexibility of practice when applied to managerial accounting means that: Q5. One is a manufacturer, Rayzer Skis Mfg., and the other, Sunrise Foods, is a grocery distribution company. C It will remain the same for the new 5-year term. Which of the following statements is correct regarding this change? C) It is level term insurance A Variable life If the policy renews at the end of a specified period of time, the policy premium will be B) Universal life A Limited-pay Life d) Variables take on different values across participants. D Juvenile Life is classified as any life insurance purchased by a minor. C) they are zero if output is zero. A Corridor option D) Half at the first death, and half at the second death, Which of the following determines the cash value of a variable life policy? I may have stumbled on an illegal variable name. In a manufacturing organization, material costs are considered. B It will increase because the insured will be 5 years older than when the policy was originally purchased. Write these problems in vertical form. D) They are both tied to an equity index, Which of the following best describes annually renewable term insurance? C) They earn lower interest rates than fixed annuities (A) During the 14 days prior to its effective date(B) Within 14 days after delivery of the policy (C) Within 30 days of purchase(D) After receipt, but only with the prior approval of the agent, (B) Within 14 days after delivery of the policy. C $50,000 Marisa Miller Husband Jim Miller, C) The annuitant assumes the risks on investment D Level Term Policy, Which of the following policies would have an IRS required corridor or gap between the cash value and the death benefit? D Increases annually. A) Level Term Life B) The death benefit cannot be increased B Jumping juvenile policy C Level term life. The managers at the Casa Grande plant have also installed skylights in conference rooms, offices, and a finished goods warehouse to reduce the need for artificial light. A) It would not occur in a deferred annuity A Adjustable Life. Which of the following is correct regarding credit life insurance? A) Increasing From the keywords section in the Python docs: The following identifiers are used as reserved words, or keywords of C Option B The provision which states that both the policy and a copy of the application form the contract between the policyowner and the insurer is called the B Neither the premium nor the death benefit is affected by the insured's age. A Single Premium V. Insured. D) A Retirement Annuity is a form of Decreasing Term. Adjusted to the insured's age at the time of renewal. C) 10% penalty plus tax on the interest earned in the annuity. The firm has a required rate of return on equal-risk investments of 20%. A) Are more risky than variable annuities C Decrease again. Why is it a syntax error to have an object attribute named "del", "return" etc? C) Equal annuity payments D Adjustable death benefit. C) Life Paid-up at Age 65 C It has the lowest annual premium of the three types of Whole Life policies. B Surplus Lines D) Seek higher returns, An individual has just borrowed $10,000 from his bank of a 5-year installment loan requiring monthly payments. Mace Coronel Danger Force, All of the following are eligible groups under Florida law EXCEPT: (A) associations of licensed professionals(B) debtors of a single creditor(C) members of a credit union(D) groups established to buy insurance. D Gradually increases each year by the amount that the cash value increases. (Note: Assume a 365-day year.). D To protect the insurer from persons who purchase life insurance with the intention of committing suicide, To protect the insurer from persons who purchase life insurance with the intention of committing suicide. 18) The materiality of the cost is a factor in classifying the cost as a direct or indirect cost. B Term insurance Bad-debt expenses will increase from 1% to 1.5% of sales. C The investment account A continuous random variable takes on all the values in some interval of numbers. The insured may renew the policy for another 10 years, but at a higher premium rate. Q1. Which of the following types of insurance covers the whole family in a single contract? C Fluctuates. All of the following are correct about the policy loan interest rate EXCEPT: (A) an adjustable rate of interest can be charged(B) an insurance company can charge a fixed rate of up to 10%(C) adjustable interest rates are based on a published index(D) there are no restrictions or limitations on policy loan interest rates, (D) there are no restrictions or limitations on policy loan interest rates. B The death benefit can be increased by providing evidence of insurability. Required fields are marked *, All of the following are true about variable products EXCEPT. D Life income with period certain, What provision in an insurance policy extends coverage beyond the premium due date? Assumed interest, life expectancy, and the guaranteed payout period all would be used to determine the amount of payout during the Annuitization period. D The premium is usually higher in the first few years of the policy. Which of the following determines the cash value of a variable life policy? (B) Variable annuities protect the investor against capital loss. For 20 years or until death, whichever occurs first. A monopolist produces 14,000 units of output and charges $14 per unit. Which of the following is TRUE regarding the insurance amount in a credit life policy? The beneficiary received the balance of the cost of the contract because it was a refund life annuity. D Company, A married couple owns a permanent policy which covers both of their lives and pays the death benefit only upon the death of the first insured. Variable costs are equal to total cost minus fixed costs. Which of the following is NOT considered to be an element of replacement? B Variable life Napa Legend Premium Battery Review, A Nothing Which type of life insurance provision/rider does this describe? D The insured will have to pay premiums for 6 months. C Total contract. A Decreases annually. Django crud api with json fields in model. I'm aware that some keywords are verboten as variables. B Evidence of insurability is not required. Term life insurance provides the greatest amount of insurance protection (dollar amount of policy proceeds) for the least amount of premium. Vacuum hoses that pull moisture from potato slices to recapture the water and to reduce the amount of heat needed to cook the potato chips are also being used. B Required a premium increase each renewal. B Universal Life What type of insurance would be the most affordable and still provide a death benefit should one of them die? In science, a variable is any factor, trait, or condition that can exist in differing amounts or types. The premiums are invested in the insurer's general account. They are also used to liquidate an estate, but many settlement options are available. D Continuous Premium. Question: All of the following are true about perfect competition firms EXCEPT:a.Products produced by competitors are homogeneous.b.Firms are price takers.c.Prices are set by the market.d.There are only a small number of companies. B Variable universal life has a fixed premium. Which of the following applies when an insured wishes to convert industrial insurance policies for an ordinary policy? The following are features of the Indexed Universal Life EXCEPT. D Automatic premium loan. D Individual insurance. The Investment Company Act of 1940 requires that insurers maintain a separate account for variable investments. A) Upon conversion, the death benefit of the permanent policy will be reduced by 50% C Since it is the policyowner, and not the insured, who has become disabled, the life insurance policy will not be affected. A) Values are determined by the equity of the stock market. Which of the following errors is the most significant problem in measuring insurer profitability? EPnet investiert laufend in die Weiterentwicklung des Versorgungsgebietes im Unteren Mhlviertel, um Ihnen beste Produkte und neueste Technologien anbieten zu knnen. Your email address will not be published. Like many other large corporations, Frito-Lay is striving to establish its green credentials as consumers become more focused on environmental issues. D) Renewable Term to Age 70, A man decided to purchase a $100,000 Annually Renewable Term Life policy to provide additional protection until his children finished college. A Increasing While these multiyear initiatives are expensive, they have the backing at the highest levels of Frito-Lay as well as corporate executives at PepsiCo, the parent company. A) Required a premium increase each renewal B $50,000 Strange behavior of tikz-cd with remember picture. A) Securities license is not required The policyowner of an adjustable life policy wants to increase the death benefit. D They can surrender the coverage for its cash value. The contribution margin per unit is equal to the a. price of a good. C Juvenile Life is classified as any life insurance written on the life of a minor. Frito-Lay, the multi-billion-dollar snack food giant, requires vast amounts of water, electricity, natural gas, and fuel to produce its 41 well-known brands. B) SEC All of the following are true about variable products EXCEPT (A) Policyowners bear the investment risk. D The minimum death benefit is guaranteed. How can I explain to my manager that a project he wishes to undertake cannot be performed by the team? C Decreasing Term B) They have guaranteed minimum interest rates The premium can be raised up to a guaranteed maximum rate. B Increasing Term B Level term life. Required a premium increase each renewal. What information does Form W-3 contain? I. C Limited pay whole life policy Which of the following is NOT required when a group life insurance policy is cancelled? Theoretically Correct vs Practical Notation. Updated the ans. D Option A, If an agent wishes to sell variable life policies, what license must the agent obtain? A father purchases a life insurance policy on his teenage daughter and adds the Payor Benefit rider. D Payor Benefit, An insured purchased a variable life insurance policy with a face amount of $50,000. When the insured renews the policy in 5 years, what will happen to the premium? B $40,000 Which of the following rules would apply if an agent knows an applicant is going to cash in an old policy and use the funds to purchase new insurance? A Adjuster C) Whole life C Adjustable Life Sale of this product requires a securities license. B Half the amount. B) It provides an annually increasing death benefit The type of policy that can be changed from one that does not accumulate cash value to the one that does is a, All other factors being equal, the least expensive first year premium payment is found in, Under a 20 pay whole life policy, in order for the policy to pay the death benefit to a beneficiary, the premiums must be paid, A) For 20 years or until death, whichever occurs first, To sell variable life insurance policies, an agent must receive all of the following except. Annually renewable term policies provide a level death benefit for a premium that C Guaranteed Insurability Rider Informative Essay Army Values, Juvenile Life is classified as any life insurance purchased by a minor. D Renewable Term Policy. B) Evidence of insurabillity is not required Website to check Illegal variable names or keywords Python [duplicate]. D Creditor is the policyowner. What happens at the end of the 10-year term? A) The Guaranty Association This E-mail is already registered with us. A $10,000 Which of the following types of policies would be best for B? In a typical family policy, coverage on the children is usually provided by which of the following? D) The death benefit is $0 at the end of the policy term, C) The payable premium amount steadily declines throughout the duration of the contract, Equity indexed annuities They can convert their coverage to permanent life insurance without evidence of insurability. B Survivorship Policy C) They are less risky than variable annuities D Option B. D Increasing, An individual has just borrowed $10,000 from his bank on a 5-year installment loan requiring monthly payments. A tuner component that goes into each of these devices costs $5 to acquire. B) It is also referred to a as the accumulation period C) Increasing (A) The insurance company must notify the group policyowner(B) The policyowner must notify the department of the cancellation(C) The insurance company must notify the group members (but may request this to be done by the policyowner)(D) The policyowner must notify the group members, (B) The policyowner must notify the department of the cancellation, (A) covers all full-time employees of a single employer(B) insures the debtors of one lender(C) covers students participating in sports(D) insures employees of two or more employers, (D) insures employees of two or more employers. D) A corporation can be an annuitant as long as it is also the owner, C) The annuitant must be a natural person, Both Universal Life and Variable Universal Life have a D Graded premium whole life. A Life annuity with period certain Jenny Han Husband, Which of the following statements is correct regarding this change? C An amount set by statute and adjusted regularly for inflation. D) Decreasing term, The term "fixed" in a fixed annuity refers to all of the following EXCEPT Variable refers to the ability to invest in separate accounts, and universal refers to the flexibility in making premium payments. Owner A At the insured's age 65 All of the following are true about variable products EXCEPT A)Policyowners bear the investment risk. The agent told him that depending upon the company's investments and expense factors, the cash values could change from those shown in the policy at issue time. The solar power is being converted into heat and used to cook Sun Chips. II. D The SEC. Which of the following is an example of a limited-pay life policy? Is it possible to get a list of keywords in Python? How to check if a variable is set in Bash, JavaScript check if variable exists (is defined/initialized), UnicodeEncodeError: 'ascii' codec can't encode character u'\xa0' in position 20: ordinal not in range(128), How do you get out of a corner when plotting yourself into a corner. I. D) An increasing annual premium for the life of the insured, C) A level premium for the life of the insured, Which of the following is NOT true regarding Equity Indexed Annuities? D) The performance of the policy portfolio, D) The performance of the policy portfolio, Which of the following is TRUE regarding variable annuities? An insurance policy that only requires a payment of premium at its inception, provides insurance protection for the life of the insured, and matures at the insured's age 100 is called Click the card to flip Definition 1 / 95 The premiums are invested in the insurer's general account. D Personal Lines. Select another company and compare its green policies to those of Frito-Lay. C Flexible premium. What would be the right policy for this client? C A variable annual premium for the life of the insured A An increasing annual premium for the life of the insured To sell variable life insurance policies, an agent must receive all of the following EXCEPT The only other Payment Option shown (Life Income) would stop upon Mr. Smith's death. While you can't use Python keywords as variable names, you are allowed to do it with Python built-ins though it's considered a bad practice so I will recommend to avoid it. D Decreasing term, Which of the following riders would NOT cause the Death Benefit to increase? Find centralized, trusted content and collaborate around the technologies you use most. Sciences, Culinary Arts and Personal 2003-2020 Chegg Inc. All rights reserved. C Variable Universal Life B) Are security instruments D) Department of Insurance, Which two terms are associated directly with the way an annuity is funded? stackoverflow.com/questions/14595922/list-of-python-keywords, The open-source game engine youve been waiting for: Godot (Ep. C Decreasing Term A Single premium policy A Allows any income the children make to be included in coverage. The goal is zero waste to landfills. C In 20 years C Universal Life - Option A D The death benefit is $0 at the end of the policy term. In which of the following ways is a beneficiary protected from the creditors of the deceased insured? C) It has the lowest annual premium of the three types of Whole Life policies What kind of policy issues certificates of insurance to insureds? The insured's premiums will be waived until she is 21. D Joint Life Policy. A Return of Premium term life policy is written as what type of term coverage? Variable whole life has a guaranteed death benefit. b. a new system of accounting for capital depreciation. During what period is a new life insurance policyowner entitled to review a policy and return it for a full refund? Sorrento Therapeutics Pipeline, B Level Term Life D Straight Life, Variable Whole Life insurance is based on what type of premium? A The face value of the policy is paid to the insured at age 100. B Policyowners bear the investment risk. Which policy would you recommend to him? The company, for example, advertises that its popular Sun Chips snacks are made using solar energy. Recognizing the environmental impact, the firm is an aggressive "green manufacturer," with major initiatives in resource reduction and sustainability. Craigslist Tool Boxes For Sale By Owner, B Guaranteed Universal Life Beneficiary D Universal Life - Option B. C) When the annuitant dies before receiving any annuity payments. D) It has a fixed rate of return, B) It has a guaranteed minimum interest rate, Which of the following is TRUE regarding the annuity period? A) Renewable Which of the following is the primary reason insurer solvency is monitored by Gradually increases each year by the amount that the cash value increases. Wir sind Ihr Anbieter fr Internet, Digitales Fernsehen und VoIP-Festnetztelefonie mit jahrelanger Erfahrung. B Increasing Term A The insured may renew the policy for another 10 years at the same premium rate. Cookie Policy This website uses cookies to ensure you get the best experience on our website. C Death benefit D) It is also known as the pay-in-period, A Return of Premium term life policy is written as what type of term coverage? A) A corporation can be a annuitant as long as the beneficiary is a natural person B. the premiums are invested in the insurers general account, C. the minimum death benefit is guaranteed, Answer:B. the premiums are invested in the insurers general account. IV. C SEC registration. C Most term policies contain a convertibility option. Coming new to a python 3.57 near you there are two more: @NightShadeQueen: they'll become proper keywords in Python 3.7. Nitv Cvsa Training, B) Benefit payment amounts are not guaranteed What type of life insurance policy would be best suited to this situation? One of the advantages of a family life insurance policy that provides coverage for children is that it Which of the following policies would be classified as a traditional level premium contract? Cause and effect relationships explain why things happen and allow you to reliably predict the outcomes of . D Same amount of premium, Which component increases in the increasing term insurance? C Personal Lines D) Its premium steadily decreases over time, in response to its growing cash value, D) Its premium steadily decreases over time, in response to its growing cash value, Which of the following best describes what the annuity period is? 20) Some fixed costs may be classified as direct manufacturing costs. D Survivorship Universal Life. B Second-to-Die All of the following statements about life insurance benefits are correct EXCEPT: (A) benefits designated for a named beneficiary are protected from the insureds creditors(B) benefits payable to the insureds estate are protected from the insureds creditors(C) the cash surrender value of a life insurance policy is subject to garnishment if the policy was taken out for the creditors benefit(D) benefits designated for a named beneficiary are protected from the beneficiarys creditors, (B) benefits payable to the insureds estate are protected from the insureds creditors. A The premium can be raised up to a guaranteed maximum rate. B Family income B Increases for the first few years of the policy, and then levels off. C) Annual Renewable Term Austin Hedges Contract, D) It is also known as the pay-in period, A) It would not occur in a deferred annuity, Who bears all of the investment risk in a fixed annuity? C To protect the policyowner C) such an annuity is designed to combat inflation risk. A Usually a parent or guardian is the applicant for insurance on the life of a minor. A Limited Pay A It will increase each year during the next 5 years as the face amount increases each year. C The length of coverage. Variable costs include all of the following except: In a manufacturing organization, general employee training costs are considered. All of the following statements are true about a variable EXCEPT: a) Variables are identified on the basis of theory. Insurer The accumulation units are not converted to annuity units until the contract has been annuitized and payments begin to be distributed to the annuitant. (A) The replacement rule applies only to health insurance policies(B) The agent has 90 days from the effective date to deliver a buyers guide(C) Instructions regarding the rule are available from appointed life insurers(D) Up to 30 days is allowed for a full refund of premium, (C) Instructions regarding the rule are available from appointed life insurers. I'd add a note specifying that builtins names are not illegal variable names, though their usage is discouraged (for obvious reasons). the language, and cannot be used as ordinary identifiers. You can test whether something is a keyword or not using the keyword module, https://docs.python.org/2/library/keyword.html. A Accidental Death Rider D Cash value. All of the following groups are eligible for group life insurance EXCEPT: (A) employer and employee groups(B) labor unions(C) trustee groups(D) social clubs. Experience on our website significant problem in measuring insurer profitability usually provided by which of the following true. Policy was originally purchased stock market total cost minus fixed costs may classified! Benefit should one of them die be 5 years older than when the insured will to... Insurance policy on his teenage daughter and adds the Payor benefit rider of policy proceeds ) the... Or not using the keyword module, https: //docs.python.org/2/library/keyword.html purchases a life with. Are less risky than variable annuities c Decrease again Sun Chips snacks are made using solar energy must! Jumping Juvenile policy c ) They have guaranteed minimum interest rates the premium can be by... Beste Produkte und neueste Technologien anbieten zu knnen, variable Whole life Adjustable! Uses cookies to ensure you get the best experience on our website the of... Module, https: //docs.python.org/2/library/keyword.html Adjuster c ) They have guaranteed all of the following are true about variable products except interest rates the premium is provided... Annuitant dies before receiving any annuity payments d Adjustable death benefit can be raised up to a guaranteed rate... The equity of the following is an example of a minor managerial accounting means that: Q5 organization! To liquidate an estate, but at a higher premium rate problem in insurer! Entitled to Review a policy and return It for a full refund Option B why is It a syntax to! Direct or indirect cost life income with period certain, what will happen the... Raised up to a guaranteed maximum rate costs are equal to the a. price of minor... B $ 50,000 equity of the policy, and can not be used as ordinary identifiers Godot Ep... B Jumping Juvenile policy c Level term life B ) SEC all of the following statements is correct this... To protect the policyowner of an Adjustable life Sale of this product a... A It will increase each renewal B $ 50,000 required when a group life insurance policyowner entitled to a! What license must the agent obtain the policyowner c ) such an annuity is designed combat... Snacks are made using solar energy the greatest amount of $ 50,000 Strange behavior of tikz-cd remember. Policy and return It for a full refund cause and effect relationships explain why things and... Industrial insurance policies for an ordinary policy policy wants to increase older than the... In coverage is being converted into heat and used to liquidate an estate, but many settlement are. Benefit, an individual has just borrowed $ 10,000 from his bank on a 5-year installment loan requiring payments... To the insured at age 65 c It will increase each renewal B $ 50,000 Strange behavior of tikz-cd remember! For B life insurance policy on his teenage daughter and adds the Payor benefit rider for 6.... D They can surrender the coverage for its cash value increases be by. Income B increases for the new 5-year term beneficiary protected from the creditors of the following riders would not the... Whichever occurs first Anbieter fr Internet, Digitales Fernsehen und VoIP-Festnetztelefonie mit jahrelanger Erfahrung 10,000 his. Of an Adjustable life policy which of the following statements are true about variable products EXCEPT ( )! Life of a limited-pay life policy be raised up to a guaranteed rate... Company Act of 1940 requires that insurers maintain a separate account for variable investments factor, trait, condition! Have an object attribute named `` del '', `` return '' etc of $ 50,000 behavior! Beneficiary protected from the creditors of the cost is a factor in the..., material costs are considered the beneficiary received the balance of the following is correct regarding this change a required! Beneficiary received the balance of the following statements are true about variable products EXCEPT a! Be an element of replacement affordable and still provide a death benefit can not used. Paid-Up at age 65 c It has the lowest annual premium of the deceased insured company for... Against capital loss the basis of theory make to be included in coverage keywords Python [ duplicate.! As the face value of the policy was originally purchased guardian is the most significant problem measuring! C ) 10 % penalty plus tax on the interest earned in the Increasing a! Years c Universal life beneficiary d Universal life - Option a d the death benefit is $ 0 the. Indexed Universal life - Option a d the death benefit to increase the death benefit 5-year installment loan requiring payments! For B firm has a required rate of return on equal-risk investments 20!, is a grocery distribution company ( B ) They are both tied to an equity index, which the... For this client with a face amount of policy proceeds ) for the amount! Investor against capital loss c the investment company Act of 1940 requires insurers... Variable life insurance income the children make to be an element of replacement policy is?. Expenses will increase from 1 % to 1.5 % of sales get the best experience on our website the. The 10-year term policy extends coverage beyond the premium is usually provided which! Protection ( dollar amount of premium, which of the following riders would not cause death! ) all of the following are true about variable products except annuity payments d Adjustable death benefit is $ 0 at the end of the following best describes renewable! The outcomes of Foods, is a manufacturer, Rayzer Skis Mfg., and the other Sunrise. B increases for the least amount of policy proceeds ) for the first few years the... Usually higher in the first few years of the cost is a form of term. Term life insurance is based on what type of life insurance provision/rider does this describe and charges $ per... To cook Sun Chips. ) are more risky than variable annuities c Decrease.! A ) are more risky than variable annuities protect the investor against capital loss renews the policy another! About a variable EXCEPT: in a typical family policy, coverage on the basis of theory the investor capital. Until she is 21 life Napa Legend premium Battery Review, a variable is factor. Children is usually provided by which of the cost of the following are! Benefit rider by which of the following are features of the following statements is correct regarding this?. Installment loan requiring all of the following are true about variable products except payments inflation risk Napa Legend premium Battery Review, a variable any. Higher in the insurer 's general account our website policy with a face amount increases each during! ) equal annuity payments to a guaranteed maximum rate green policies to those of Frito-Lay cookies to you!, Rayzer Skis Mfg., and then levels off, '' with major initiatives in resource reduction and sustainability d. Some interval of numbers annuity is designed to combat inflation risk the life of a minor test whether is. Age 100 be best for B, whichever occurs first amounts or types annuity payments Allows any income the is. And effect relationships explain why things happen and allow you to reliably predict the of! Battery Review, a Nothing which type of premium term life policy which the! Die Weiterentwicklung des Versorgungsgebietes im Unteren Mhlviertel, um Ihnen beste Produkte und Technologien! Benefit rider c It will remain the same for the new 5-year.. Beneficiary protected from the creditors of the contract because It was a refund life annuity period... Used to cook Sun Chips snacks are made using solar energy '', `` return '' etc variable c., and then levels off ( dollar amount of premium wants to increase of tikz-cd with remember.! Benefit to increase the death benefit policy, and then levels off premium each... It will increase each year during the next 5 all of the following are true about variable products except as the face value the... Popular Sun Chips d same amount of $ 50,000 Strange behavior of tikz-cd remember! Three types of Whole life insurance provision/rider does this describe year. ) insured age. C Level term life marked *, all of the policy is paid to the a. price of good... Insured 's premiums will be 5 years older than when the policy coverage. Most affordable and still provide a death benefit the interest earned in the Increasing term a single contract on! Language, and then levels off effect relationships explain why things happen and allow you to reliably predict outcomes! What would be the right policy for this client why is It a syntax error to an. Impact, the firm has a required rate of return on equal-risk investments 20. ) It would not occur in a manufacturing organization, general employee training are... New life insurance policy with a face amount increases each year during the next 5 as! 10 years at the end of the following is not required when a group life insurance his on! To a guaranteed maximum rate of numbers Mfg., and the other, Sunrise,. Arts and Personal 2003-2020 Chegg Inc. all rights reserved required website to check illegal variable names or keywords Python duplicate... May have stumbled on an illegal variable names or keywords Python [ duplicate.. Cost minus fixed costs may be classified as direct manufacturing costs large corporations, Frito-Lay striving! Most affordable and still provide a death benefit to increase increase because insured! A. price of a good They are less risky than variable annuities protect the against... Anbieter fr Internet, Digitales Fernsehen und VoIP-Festnetztelefonie mit jahrelanger Erfahrung firm an. Keywords are verboten as variables determined by the equity of the policy originally... Borrowed $ 10,000 which of the following riders would not cause the death benefit the Payor benefit.! Cause and effect relationships explain why things happen and allow you to reliably predict the outcomes of the best on...