Crowdfunding continues to disrupt the financial landscape, offering new avenues for companies to raise capital. Within this realm, Regulation A+ offerings have emerged as a potential method, allowing businesses to attract funds from a wider pool of investors. However, the hype surrounding Regulation A+ has sparked debate about its viability.
Is it truly a game-changer for startups and growing companies or merely a fleeting trend? This article delves into the nuances of Regulation A+ offerings, exploring both the perks and challenges. We'll investigate real-world examples, opinions from industry experts, and regulatory clarifications to provide a balanced evaluation of this intriguing financing mechanism.
- Furthermore, we'll discuss the shifting regulatory environment and its impact on Regulation A+ offerings.
- Finally, investors seeking to participate in this crowdfunding trend should consider the potential risks and rewards carefully.
Understanding Regulation A+ for Startups
Regulation A+, a relatively recent fundraising mechanism, presents a unique opportunity for startups seeking to secure capital. This tier of SEC regulation permits businesses to openly offer their securities to the vast public, thereby increasing their potential investor base.
Startups evaluating Regulation A+ should carefully assess its suitability to their individual circumstances.
- Key factors to ponder include the nuances of the regulatory process, adherence requirements, and the potential costs linked with this fundraising avenue.
- Moreover, startups should craft a comprehensive investor relations strategy to effectively transmit information about their operation and the provisions of the offering.
Seeking expert counsel from regulatory professionals is crucial to navigate the complexities of Regulation A+ and ensure a successful fundraising effort.
Explore Title IV Reg A+ - Crowdfunder Blog
Dive deeply into the world of Title IV Regulation A+, a funding mechanism that empowers businesses to raise capital from the public through public participation. Our latest infographic breaks down the intricacies of Reg A+, highlighting its key elements and potential perks for both companies and investors.
- Learn how Title IV Reg A+ differs from traditional funding methods.
- Gain insights into the licensing process for public offerings.
- Delve the diverse range of industries utilizing Reg A+ financing.
Visit our blog to retrieve the infographic and keep informed about the latest trends in Title IV Regulation A+.
Regulation A+ - Securex Filings LLC
Securex Filings LLC assists/supports/guides companies/businesses/enterprises in navigating the complexities of the/a/its Regulation A+ process/framework/system. This tier/stage/level of securities registration/filing/offering allows publicly traded/non-traded/privately held companies to raise capital/funds/equity from a wider pool/range/spectrum of investors/individuals/participants while providing greater/increased/enhanced transparency/disclosure/accessibility. Securex Filings LLC's team/experts/specialists possess/have/demonstrate in-depth knowledge/understanding/expertise of the Regulation A+ regulations/requirements/guidelines, ensuring a streamlined/efficient/comprehensive filing/submission/process.
Crowdfunding for the Masses
The world of finance is undergoing a revolution, fueled by the power of collective action. Previously reserved, access to funding is now within reach of common people thanks to innovative crowdfunding platforms. These platforms facilitate individuals and entrepreneurs to gather capital directly from the public.
Forget about when financial support was solely determined by traditional institutions. Crowdfunding has revolutionized the funding landscape, allowing anyone with a worthy idea to secure the resources they need to bring it to life.
From art projects to community development, crowdfunding has become a powerful tool for driving change. Individuals can now directly contribute to projects that resonate with them and play an active role in shaping the future.
StreetShare
StreetShares is the groundbreaking online platform that pairs small businesses with alternative investors. It provides businesses with access to capital, empowering them to expand. By democratizing the lending landscape, StreetShares empowers small businesses to achieve success in their communities.
- StreetShare offers a variety of financing options tailored to the goals of small businesses.
- The platform is known for its user-friendliness, making it accessible for businesses of all scales
- Street Share has assisted thousands of small businesses to succeed since its launch.
Harnessing Regulation A+ for Prolific Fundraising
Regulation A+ has emerged as a effective tool for companies seeking to raise resources in the public markets. This groundbreaking regulatory framework enables businesses to secure investment from a broad range of supporters. By utilizing the versatility of Regulation A+, companies can maximize their fundraising strategies, eventually fueling their growth.
To effectively utilize Regulation A+ for fundraising, businesses should meticulously structure a comprehensive offering prospectus. This document should succinctly articulate the company's goals, sector opportunity, and economic forecasts.
Additionally, companies should build a robust relationship with experienced regulatory advisors who are proficient in the intricacies of Regulation A+.
SEC EquityNet
SEC EquityNet is a/serves as/functions as an online platform that empowers/facilitates/enables access to private market investments. It offers/provides/presents a comprehensive database/repository/catalog of investment opportunities from various/numerous/diverse companies. Registered investors can browse/explore/review these offerings, conduct due diligence, and potentially/may/could participate in rounds/deals/transactions. EquityNet plays a/serves as/acts as a vital/crucial/essential resource for both individual investors and businesses/companies/entrepreneurs seeking capital.
Regulation A+
Regulation A+, often known as Regulation A Plus, is a regulation within the U.S. securities laws that allows private companies to raise capital through public investments . A company conducting a A+ Offering can seek up to tens of millions in funds. These offerings are governed by the Securities and Exchange Commission (SEC) {and offer companies with a streamlined path for public fundraising compared to traditional initial public offerings (IPOs).{
- Key features of Regulation A+ include:
- Capital raise limits are relatively low compared to IPOs.{
- Reduced regulatory burden.{
- Investor base are primarily accredited parties.To summarize, navigating Regulation A+ crowdfunding requires a deep comprehension of the regulations. Engaging experts in securities law and investment advisors is highly recommended to avoid pitfalls this regulatory landscape.
Furnishing Requirements Under Regulatory Oversight
Successful launching a financial product involves meeting stringent governing requirements. These requirements often encompass various aspects, comprising conformance with laws, licensing protocols, and transparency standards. Regulators typically establish these requirements to ensure investors and maintain a stable financial environment. Navigating these regulatory mandates is essential for businesses to conduct legally in the financial marketplace.
Regulation + Investopedia
Investopedia serves as a comprehensive platform for understanding financial concepts, and regulation plays a pivotal role in this landscape. Whether you're exploring the intricacies of securities markets , delving into the details of regulatory frameworks , or simply seeking to grasp the impact of government policies on the financial world, Investopedia offers a wealth of guidance. Its articles, tutorials, and glossary provide insights on the evolving regulatory environment, empowering individuals to make savvy decisions in the realm of finance.
Our Initial Public Offering (IPO) First JOBS Act Company Launches On The OTCQX Exchange Through Reg A+
After months of intensive/dedicated/arduous work and preparation, we are thrilled to announce that our/my/the mini-IPO, powered by the JOBS Act and conducted through a Reg A+ offering, has successfully taken place. Our company/My company/The company, now publicly traded on the OTCQX market, is poised for exponential/rapid/sustained growth as we embark on this exciting new chapter.
This milestone marks a significant/pivotal/monumental achievement for our team and validates/demonstrates/confirms the strong belief in our vision and products/services/platform. We are incredibly grateful for the support of our investors, advisors, and employees who have been instrumental in making this dream a reality.
Looking ahead/Moving forward/As we progress, we are focused on expanding/scaling/growing our operations, leveraging/utilizing/harnessing the OTCQX platform to its fullest potential, and delivering exceptional value to our stakeholders/our investors/the market.
- We encourage you to follow our journey/Stay tuned for updates/Keep an eye on our progress as we navigate this new terrain.
- Together, we will achieve great things/This is just the beginning of our success story/The future is bright for our company/my company/the company.
Empower Reg A+ Raises on the Platform
FundersClub is thrilled to announce it's now supporting Reg A+ funding campaigns on its platform. This exciting development offers a new avenue for businesses to attract capital from the public audience. Reg A+ guidelines offer a streamlined and affordable route for companies to raise investment from various investors, featuring both accredited and non-accredited participants. This addition strengthens FundersClub's dedication to making accessible access to capital for emerging companies.
Understanding Reg A+
Regulation A+, often referred to as Reg A+, presents a pathway for enterprises to secure capital through the public market. Unlike traditional initial public offerings (IPOs), Reg A+ is designed to be more streamlined for smaller businesses. Through this framework, companies can sell their securities directly to the investors.
Platforms facilitating crowdfunding have emerged as a significant avenue for Reg A+ offerings. These platforms bridge companies with potential backers, often utilizing an online marketplace.
- Some popular crowdfunding platforms that facilitate Reg A+ offerings comprise
Regulation A+
A Rule 257 offering is a type of securities offering/registration/transaction that allows companies to raise capital from the public/general investing population/marketplace without having to undergo the complexities/rigors/challenges of a traditional IPO/Initial Public Offering/stock market launch. Companies choose this avenue/path/route because it offers a more streamlined/efficient/affordable process and can be particularly beneficial for startups/small businesses/emerging companies looking to secure funding for growth or expansion.
- Key benefits of Regulation A+ offerings include:
- Increased access to capital for companies:
- Reduced regulatory burdens compared to traditional IPOs:
- Opportunity to build a wider shareholder base through public exposure/marketing/awareness:
Reg A+ Offering Rules for Crowdfunding
When it comes to exempt offerings and fundraising, understanding the nuances of Regulation A+ is paramount. The SEC have established stringent rules and stipulations designed to ensure transparency for both businesses seeking capital and backers. A+ Regulation offers a path for companies to raise substantial amounts of capital from the wider market, subject to specific protocols . Complying with these regulations can be complex , making it crucial for businesses seeking funding to seek expert advice.
- Key elements of Regulation A+ comprise information sharing obligations aimed at providing participants with a comprehensive understanding of the offering.
- Due diligence play a essential role in ensuring the integrity of offerings under Regulation A+.
- Continuous disclosure is required to maintain market transparency .
ShareSlide
SlideShare is a platform for sharing professional and educational content. Users can submit their own slides on a variety of themes, including {marketing to technology{ to personal development. SlideShare is widely used by professionals, educators, and students to exchange information.
- You can find an extensive collection of slides on almost any topic imaginable.
- Creating a SlideShare presentation can be easily accomplished.
- {The platform allows for|You are able to embed audio files to enhance your content's impact.
Regulation A Securities Act of 1933 Jobs Act Paragraph 106 Reg A Tier 2 Campaign
The Capital Markets Adjustment Act of 2010, also frequently known as the Jobs Act, introduced significant revisions to the Securities Act of 1933. One key addition was Rule A Tier 2, a streamlined pathway for companies to raise capital through equity offerings . Reg A Tier 2 enables businesses to offer securities to the public without the rigorous registration requirements of a traditional IPO. This path can be particularly helpful for small and medium-sized enterprises (SMEs) seeking resources.
- Typically, , Reg A Tier 2 campaigns are limited to procuring a maximum of twenty million dollars per year.
- Businesses utilizing Reg A Tier 2 must still conform with certain disclosure requirements, but the responsibility is substantially less than a traditional IPO.
Regulated by the Securities and Exchange Commission (SEC), Reg A Tier 2 provides a valuable instrument for companies to access public capital markets in a more efficient manner. Nonetheless, , it is essential for companies considering this approach to carefully consult with legal and financial advisors to ensure full compliance with all applicable regulations.
Managing Text
When dealing with text, regulations play a crucial role. This helps guarantee quality and mitigate problems. {Regulations cantarget various aspects of text, such as grammar. They might dictate stylistic choices. By enforcing these regulations, we can improve the overall impact of written communication.
Legislation A+ Offering Regulation A Plus
When considering a Venture with a Regulation A+ offering, it's crucial to thoroughly Examine the Terms. These offerings provide Entities the chance to invest in Emerging companies while benefiting from Specific Guidelines. Regulation A+ presents a Streamlined pathway for companies seeking Resources, allowing them to Raise capital from a broader range of Participants.
- Comprehend the Structure of Regulation A+ offerings.
- Consider the risks and Rewards involved.
- Seek advice with a qualified Financial professional.
Regulation A vs. Rule D FRB
When navigating the world of securities offerings and bank regulations, understanding the distinctions between Rule A and Rule D issued by the Federal Reserve Board (FRB) is crucial. Regulation A, often known as, a "mini-IPO," provides an exemption from certain registration requirements for offerings of up to a specific amount. In contrast, Regulation D governs private placements and offers exemptions to securities sales to sophisticated purchasers.
Choosing between these two regulations hinges on several factors, including the scope of the offering, the intended audience, and the issuer's capital position. Carefully evaluating these elements is essential to select the suitable regulatory pathway for a successful securities transaction.
Controlling a DPO Within the Organization
The task of governing a Data Protection Officer (DPO) can be complex, involving a range of methods.
This typically entails establishing clear standards for their role, securing they have the necessary resources and influence to successfully perform their functions.
Furthermore, regular progress assessments are often utilized to track their adherence with data protection legislation and the organization's own policies.
SEC Approves New “Reg A+” Rules for Crowdfunding
In a landmark/major/significant move to empower/stimulate/foster the crowdfunding industry, the Securities and Exchange Commission (SEC) has approved/finalized/ratified new rules for Regulation A+. This revamped/updated/enhanced regulation, known as “Reg A+”, aims to streamline/simplify/expedite the process for companies/businesses/enterprises to raise capital/funds/investment from the public.
Under the new rules, small/start-up/emerging businesses will have a greater/wider/more extensive opportunity to access/attract/secure funding through crowdfunding platforms/websites/sites. The SEC believes that these changes will boost/increase/accelerate economic growth and provide/offer/deliver more investment opportunities/choices/possibilities for individual investors.
The new rules include/New regulations encompass/Key provisions of the revised regulation/These amendments establish several key/important/essential changes, including/such as/among which:
* Increased/Higher/Elevated funding limits/thresholds/caps.
* Streamlined/Simplified/Expedited filing and reporting requirements.
* Enhanced/Improved/Strengthened investor protections.
The SEC’s decision to update/reform/restructure Reg A+ is expected to have a profound/substantial/significant impact on the crowdfunding landscape, making it more accessible/opening doors wider/creating new avenues for both businesses and investors.
Regulation D vs. Distinctions Between Reg A and Reg D
When navigating the world of securities offerings , you'll discover two key rules : Regulation A+ and Regulation D. While both permit companies to raise capital from the public, they vary significantly in their application. Regulation A+, often dubbed a "mini-IPO," enables companies to raise substantial capital by distributing securities to the general public through a simplified process. In contrast , Regulation D is geared towards private placements and restricts investors to a more narrow audience.
- Additionally , Reg A+ requires greater disclosure with the public, while Reg D offers increased discretion in this regard.
- Consequently , choosing between these two frameworks depends factors like the company's capital requirements , target demographics, and regulatory compliance
Rule 506
Regulation D encompasses a set of rules governing the private placement of securities. Within Regulation D, Rule 506 outlines specific requirements for exempt offerings. There areIt is divided intoSeveral variations exist within distinct classifications under Rule 506: Rule 506(b) and Rule 506(c).
- Rule 506(b) permits issuers to sell securities privately to an unlimited number of accredited investors and a limited number of non-accredited investors.
- Rule 506(c) allows for offerings solely to accredited investors, with no restrictions on the number of participants.
Furthermore, there is Rule 506D, which provides a structure governing equity crowdfunding transactions. These rules are designed to facilitate capital formation for issuers.
Series 7 Regulation
When navigating the complexities of Regulation D, understanding the distinctions between Rule 506(b) and Rule 506(c) is crucial. These rules govern private placements under Section 4(2) of the Securities Act of 1933. Rule 506(b) permits offerings to an unlimited number of accredited investors and up to thirty-five non-accredited investors, while Rule 506(c) allows for unlimited|general solicitation and advertising but mandates that all investors be certified. A key distinction is the demand for due diligence by companies offering securities under these rules.
The Series 7 exam oftenevaluates these concepts, so familiarity with both Rule 506(b) and Rule 506(c) is necessary. Understanding the nuances of each rule can help you identify the appropriate structure for a private placement and navigate the regulatory landscape effectively.
- Keep in mind: Rule 506(b) offers more flexibility with non-accredited investors, while Rule 506(c) relies on investor accreditation.
- Consider the specific needs of your offering and the level of careful examination required under each rule.
Delve into DreamFunded Resources on Regulation A+
Navigating the complexities of Regulation A+ can be a daunting process for investors and businesses alike. Fortunately, DreamFunded offers a wealth of invaluable resources to help you comprehend this innovative financing mechanism. Their resource center is a goldmine of data on everything from regulatory requirements to capital raising strategies. Whether you're an savvy investor or just launching your journey into Regulation A+, DreamFunded's resources can help you make informed selections.
- Harness their in-depth tutorials to gain expertise the intricacies of Regulation A+
- Network with a network of individuals and businesses
- Obtain exclusive data from industry authorities
Over-the-Counter (OTC) Markets
The over-the-counter market provides a platform for the trading of securities that are not listed on major stock exchanges. These markets function outside the regulated framework of traditional exchanges, often providing investors with access to undervalued companies and niche investment possibilities. Activity on OTC Markets can be more risky than those on traditional exchanges, as rules are generally less stringent.
- Investors in the OTC market should carefully investigate companies and understand the inherent volatility.
The Meeting Spot
A tripoint is a specific location where three boundaries converge. This can describe the meeting of three countries, or it could be the convergence of three bodies of water.
The precise characterization of a tripoint can differ based on the context. For example, in cartography, a tripoint might be marked by an exact coordinate, while in ecology, it could simply be the junction of three distinct zones.
Regardless of its form, a tripoint represents the convergence of different factors. It serves as a unique point on the map, highlighting the complex connections that shape our world.
The Financial Industry Regulatory Authority
FINRA is a/plays the role of/serves as the largest/leading/primary independent regulator/self-regulatory organization/oversight body for the U.S. securities industry. It oversees/regulates/administers a vast network of broker-dealers and financial advisors/investment professionals/trading firms, working to protect investors and ensure/maintain/promote market integrity. FINRA's comprehensive/expansive/wide-ranging regulatory framework encompasses a myriad/an array/numerous aspects of the securities industry, including brokerage activities, investment products, advertising practices/market surveillance, investor education, dispute resolution.
- FINRA develops/implements/enforces industry rules and regulations to govern/that govern/governing member firms.
- Through/By means of/Utilizing its extensive regulatory authority, FINRA strives to/seeks to/aims to prevent fraud/abuse/market manipulation.
- FINRA also provides/offers/administers a range of investor services/tools/resources, including educational materials, complaint handling procedures, arbitration forums
A Jumpstart Our Business Startups Jobs Act in 2012
The Jumpstart Our Business Startups Jobs Act of 2012, also known as the JOBS Act, was a {landmark|groundbreaking|legislation passed by Congress to promote entrepreneurial activity through the United States. It seeks to make it less difficult for small businesses to raise capital by relaxing regulations on securities offerings. The JOBS Act has several key provisions, including the capacity for companies to promote their offerings more widely, the introduction of crowdfunding as a avenue to raise capital, and {therelaxation of restrictions on private company fundraising. Supporters of the JOBS Act argue that it will aid small businesses to thrive, produce jobs, and boost economic activity. Critics, however, voice concerns that the Act could lead increased risk for investors and {potentiallyhamper responsible market behavior.
Tycon Industries
Tycon Corporation is a rising player in the manufacturing market. Known for its innovative services, Tycon continually pushes the limits of what's achievable. Their dedication to perfection is evident in every aspect of their endeavors.
From humble roots, Tycon has expanded into a multinational leader. Their influence spans across various markets, and their brand is synonymous with success.
SEC qualification
Securing registration from the Securities and Exchange Commission (SEC) is a crucial step for organizations seeking to offer public shares. The SEC reviews applications diligently to ensure compliance with federal investment guidelines. Gaining SEC approval demonstrates a company's legitimacy and offers access to investors.
- Organizations must present a comprehensive prospectus detailing their financial information.
- The SEC may request additional clarifications during the review process.
- After registration, companies can issue securities.
Fundraise online
GoFundMe provides an avenue for launching fundraising campaigns for a variety of reasons. Whether it's helping a friend in need, GoFundMe makes it easy to solicit funds from family and friends. Join the GoFundMe movement and make a difference.
Kickstarter
Kickstarter is a service that allows people to back creative projects. It's a great way for entrepreneurs to get the funding they want to develop their ideas to life. Project owners can post project pitches and interested backers can donate various figures. In exchange , backers may receive benefits such as early access to the product, exclusive content, or even a chance to contribute in its building. Kickstarter has evolved into a bustling hub for creativity and innovation, connecting individuals with backers worldwide.
GoFundMe
Is your project desperately wanting some extra funding? Consider launching a campaign on Indiegogo, a crowdfunding platform built to help creators fund their visions. With Indiegogo, you can share your project with the world and gather donors who invest in your idea. From film, Indiegogo offers a diverse range of categories to suit all type of project.
Capital Investment
Equity investment entails purchasing shares of ownership in a company. This means you become a fractional owner and have the potential to gain from the company's performance. Investors engage in equity investment through various channels, such as stock exchanges or directly with companies. It is a uncertain investment strategy, but it also offers the potential for significant gains. Understanding the principles of equity investing is crucial tier 2 offering regulation a before making any actions.
Equinety
EquityNet is a site that connects funders with businesses. It provides a opportunity for both parties to collaborate and facilitate capital. Investors can browse through a selection of pitches from businesses across diverse industries. Businesses can present their plans on EquityNet and attract funding to help them grow. The platform also offers guidance and support to both investors and businesses, making it a holistic solution for financing entrepreneurial ventures.
Plunge into Novel Territory
Venturing into the sphere of innovation is a thrilling challenge. It demands gumption to navigate a direction through uncertainties. Successful ventures often manifest from a blend of vision and a willingness to transform in the face of difficulties.
- Nurturing strong bases is paramount.
- Identifying a niche in the market can be crucial.
- Tenacity often separates those who excel from those who falter.
The Investment Bank
Goldman Group is a renowned investment bank headquartered in Manhattan. Known for its expertise in trading, Goldman Sachs has played a pivotal role in driving the global markets for over a century. The firm is renowned for its talented employees who always aim to deliver exceptional results for clients worldwide. With a long history of success and progress, Goldman Sachs remains a dominant force in the global financial industry.
Merrill Lynch
Merrill Lynch is a/was a/has been globally recognized financial institution/investment bank/brokerage firm. Established in/Founded in/Originating from New York City in the year/during the year/around the year 1914, it quickly grew to become/maintained its position as/established itself as one of the largest/most prominent/leading firms in the industry. Known for/Renowned for/Famous for its expertise in/range of services/diverse portfolio, Merrill Lynch has consistently delivered/provided/offered a wide array of/comprehensive suite of/extensive selection of financial solutions to individuals, institutions and corporations worldwide/services to a diverse clientele.
Fuel Your Dream Project
A community campaign is a powerful way to secure the capital you need for your venture. By reaching out with a wider audience, you can generate backing from backers who believe in your mission.
- Leverage the power of a collective effort to transform your ambition
- Open up access to funding and overcome traditional barriers
- Build a tribe of passionate believers who share your cause
Public Funding Campaigns
The landscape of capital raising has been disrupted by the emergence of funding marketplaces. Among these, Regulation A+ Reg A stand out as a vehicle for companies to raise funds from the public. Guided by by the Securities and Exchange Commission (SEC), these guidelines provide a structure for companies to sell securities to a broader audience. In contrast, Regulation D offers a {private less regulated avenue for companies to secure funding from high-net-worth individuals. A key difference lies in the magnitude of investments attracted, with Regulation A Plus targeting a larger pool of investors. Alternatively, Private Placement Memorandums often involves a limited number of qualified buyers. To navigate this intricate system , companies may utilize the expertise of securities lawyers to ensure compliance with applicable regulations. The SEC filing process for companies seeking public funding through Regulation A+ Reg A can be a detailed undertaking.
Capital Raising
In today's dynamic business landscape, entrepreneurs are constantly seeking innovative ways to attract investment. A plethora of options exist, ranging from traditional private equity firms to crowdfunding platforms and even alternative lending.
Entrepreneurs|Startups|Tech Companies can leverage these various avenues to fuel their growth, expand operations, and bring innovative ideas to market.
Some notable players in the capital raising ecosystem include SoMoLend, RocketHub, as well as platforms like VC.
Investors|Individual Investors|Accredited Investors play a crucial role in this process, providing the necessary capital to fuel innovation and economic growth.
The JOBS Act has greatly impacted the funding landscape by providing greater transparency for both backers and businesses.
Online Business Funding|Crowdfunding Campaigns|Real Estate Investments have also witnessed a surge in popularity, allowing individuals to participate in investment opportunities previously reserved for institutional players.
Platforms like EquityNet have democratized the investment process, empowering individuals to contribute to ventures they believe in.
Seed Stage companies often rely on venture capital to get off the ground, while later-stage businesses may turn to public offerings to raise substantial capital.
The future of funding is poised for continued innovation and evolution, with emerging trends like copyright investment shaping the landscape.
Haley Joel Osment Then & Now!
Josh Saviano Then & Now!
Kane Then & Now!
Pauley Perrette Then & Now!
Richard Dean Anderson Then & Now!