Business License For Cosmetology

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  business license for cosmetology: Occupations Code Texas, 1999
  business license for cosmetology: Unemployment Insurance Statistics United States. Bureau of Employment Security, 1967-05
  business license for cosmetology: Working With Independent Contractors Stephen Fishman, 2020-07-28 Hire independent contractors without running into trouble Independent contractors (ICs) do every conceivable type of work—from accounting to web development—and “gig economy” websites make it easy to find and hire qualified ICs. Working with independent contractors saves your business money and gives you flexibility in hiring. But there are risks in trying to establish IC relationships. Simply calling a worker an independent contractor doesn’t make them one. This book shows you how to avoid mistakes that can lead to lawsuits or costly fines from the IRS and state agencies. Learn how to: determine who qualifies as an IC document the IC relationship in a written agreement assess the risks of hiring freelancers and gig workers safeguard your company’s intellectual property, and handle—and settle—an IRS audit. The 10th edition—completely revised to reflect the latest changes in the law—includes detailed examples of how a business should hire independent contractors. With downloadable forms: comes with invaluable forms that let you document a worker’s IC status and create strong contracts. Easy to download and tailor to your own situation, details inside.
  business license for cosmetology: Tennessee Cosmetology Laws and Rules Tennessee, 2004-01-01
  business license for cosmetology: The Right to Earn a Living Timothy Sandefur, 2010-10-01 America’s founders thought the right to earn a living was so basic and obvious that it didn’t need to be mentioned in the Bill of Rights. The Right to Earn a Living charts the history of this fundamental human right, from the constitutional system that was designed to protect it by limiting government’s powers, to the Civil War Amendments that expanded protection to all Americans, regardless of race.
  business license for cosmetology: Milady's Standard Cosmetology Milady, 2002-09-09 Congratulations! You are about to start on a journey that can take you in many directions and holds the potential to make you a confident, successful professional in cosmetology. As a cosmetologist, you will become a trusted professional, the person your clients rely on to provide them with ongoing service, enabling them to look and feel their best. You will become as personally involved in your clients' lives as their physicians or dentists are, and with study and practice, you can be as much in demand as a well-regarded medical provider. - Preface.
  business license for cosmetology: The Beauty Industry Survival Guide Tina Alberino, 2015-01-01 My name is Tina Alberino, and I wrote this book to save you. This is not another lame book full of generic beauty business advice. This book serves as the literary equivalent of a kick in the ass and a punch to the throat. You hold in your hands compendium of harsh lessons and a raw depiction of the true nature of this industry. The vast majority of these lessons aren't taught in schools and don't appear in textbooks; they're learned through experience--often in a way that is less-than-gentle. This book will help you navigate this tumultuous industry. The waters run deep, the currents are swift, and the tides shift quickly. The journey can certainly be treacherous. Don't learn these lessons the hard way.Learn how to avoid scoundrel salon owners and crackpot contracts, build a loyal following of glamorous gals and gallant gents, and land your first big break before graduation day!
  business license for cosmetology: Typical Electric Bills , 1980
  business license for cosmetology: Teacher Training and Professional Development: Concepts, Methodologies, Tools, and Applications Management Association, Information Resources, 2018-05-04 Regardless of the field or discipline, technology is rapidly advancing, and individuals are faced with the challenge of adapting to these new innovations. To remain up-to-date on the current practices, teachers and administrators alike must constantly stay informed of the latest advances in their fields. Teacher Training and Professional Development: Concepts, Methodologies, Tools, and Applications contains a compendium of the latest academic material on the methods, skills, and techniques that are essential to lifelong learning and professional advancement. Including innovative studies on teaching quality, pre-service teacher preparation, and faculty enrichment, this multi-volume book is an ideal source for academics, professionals, students, practitioners, and researchers.
  business license for cosmetology: National Directory of State Business Licensing and Regulation David P. Bianco, 1994 About 100 papers were presented at this first meeting on deformation of geomaterials held 12-14 Sept. 1994. They address: lab and field tests, and modeling of shear deformation; materials properties and testing; performance; design; prediction. Most participants are Japanese; only one Russian (a formerly vibrant source of geotechnical development). No index. Annotation copyright by Book News, Inc., Portland, OR
  business license for cosmetology: Bottleneckers William Mellor, Dick M. Carpenter II, 2016-12-13 Bottlenecker (n): a person who advocates for the creation or perpetuation of government regulation, particularly an occupational license, to restrict entry into his or her occupation, thereby accruing an economic advantage without providing a benefit to consumers. The Left, Right, and Center all hate them: powerful special interests that use government power for their own private benefit. In an era when the Left hates “fat cats” and the Right despises “crony capitalists,” now there is an artful and memorable one-word pejorative they can both get behind: bottleneckers. A “bottlenecker” is anyone who uses government power to limit competition and thereby reap monopoly profits and other benefits. Bottleneckers work with politicians to constrict competition, entrepreneurial innovation, and opportunity. They thereby limit consumer choice; drive up consumer prices; and they support politicians who willingly overstep the constitutional limits of their powers to create, maintain, and expand these anticompetitive bottlenecks. The Institute for Justice’s new book Bottleneckers coins a new word in the American lexicon, and provides a rich history and well-researched examples of bottleneckers in one occupation after another—from alcohol distributors to taxicab cartels—pointing the way to positive reforms.
  business license for cosmetology: How to Start a Hair Salon Business AS, 2024-08-01 How to Start a XXXX Business About the Book Unlock the essential steps to launching and managing a successful business with How to Start a XXXX Business. Part of the acclaimed How to Start a Business series, this volume provides tailored insights and expert advice specific to the XXX industry, helping you navigate the unique challenges and seize the opportunities within this field. What You'll Learn Industry Insights: Understand the market, including key trends, consumer demands, and competitive dynamics. Learn how to conduct market research, analyze data, and identify emerging opportunities for growth that can set your business apart from the competition. Startup Essentials: Develop a comprehensive business plan that outlines your vision, mission, and strategic goals. Learn how to secure the necessary financing through loans, investors, or crowdfunding, and discover best practices for effectively setting up your operation, including choosing the right location, procuring equipment, and hiring a skilled team. Operational Strategies: Master the day-to-day management of your business by implementing efficient processes and systems. Learn techniques for inventory management, staff training, and customer service excellence. Discover effective marketing strategies to attract and retain customers, including digital marketing, social media engagement, and local advertising. Gain insights into financial management, including budgeting, cost control, and pricing strategies to optimize profitability and ensure long-term sustainability. Legal and Compliance: Navigate regulatory requirements and ensure compliance with industry laws through the ideas presented. Why Choose How to Start a XXXX Business? Whether you're wondering how to start a business in the industry or looking to enhance your current operations, How to Start a XXX Business is your ultimate resource. This book equips you with the knowledge and tools to overcome challenges and achieve long-term success, making it an invaluable part of the How to Start a Business collection. Who Should Read This Book? Aspiring Entrepreneurs: Individuals looking to start their own business. This book offers step-by-step guidance from idea conception to the grand opening, providing the confidence and know-how to get started. Current Business Owners: Entrepreneurs seeking to refine their strategies and expand their presence in the sector. Gain new insights and innovative approaches to enhance your current operations and drive growth. Industry Professionals: Professionals wanting to deepen their understanding of trends and best practices in the business field. Stay ahead in your career by mastering the latest industry developments and operational techniques. Side Income Seekers: Individuals looking for the knowledge to make extra income through a business venture. Learn how to efficiently manage a part-time business that complements your primary source of income and leverages your skills and interests. Start Your Journey Today! Empower yourself with the insights and strategies needed to build and sustain a thriving business. Whether driven by passion or opportunity, How to Start a XXXX Business offers the roadmap to turning your entrepreneurial dreams into reality. Download your copy now and take the first step towards becoming a successful entrepreneur! Discover more titles in the How to Start a Business series: Explore our other volumes, each focusing on different fields, to gain comprehensive knowledge and succeed in your chosen industry.
  business license for cosmetology: Milady Standard Esthetics Milady, 2012-02-24 MILADY STANDARD ESTHETICS FUNDAMENTALS, 11E International Edition is the essential source for basic esthetics training. This new edition builds upon Milady's strong tradition of providing students and instructors with the best beauty and wellness education tools for their future.The rapidly expanding field of esthetics has taken a dramatic leap forward in the past decade, and this up-to-date text plays a critical role in creating a strong foundation for the esthetics student. Focusing on introductory topics, including history and opportunities in skin care, anatomy and physiology, and infection control and disorders, it lays the groundwork for the future professional to build their knowledge.The reader can then explore the practical skills of a skin care professional, introducing them to the treatment environment, basic facial treatments, hair removal, and the technology likely to be performed in the salon or spa setting.
  business license for cosmetology: Catalog of General Information Manchester College (North Manchester, Ind.), 1914
  business license for cosmetology: Salon Ownership and Management Tina Alberino, 2018-11 Avoid the mistakes that doom so many salon owners to failure. Set your business up for success by following a strategic planning system that guides you from concept to opening day while giving you a thorough education in all aspects of the business of beauty.
  business license for cosmetology: Higher Education Opportunity Act United States, 2008
  business license for cosmetology: Small Business and Government Licenses Albert Green, 1948
  business license for cosmetology: Licensure Exam Prep Pivot Point International, 2016-08-01
  business license for cosmetology: The Kickass Single Mom Emma Johnson, 2017-10-17 When Emma Johnson's marriage ended she found herself broke, pregnant, and alone with a toddler. Searching for the advice she needed to navigate her new life as a single professional woman and parent, she discovered there was very little sage wisdom available. In response, Johnson launched the popular blog Wealthysinglemommy.com to speak to other women who, like herself, wanted to not just survive but thrive as single moms. Now, in this complete guide to single motherhood, Johnson guides women in confronting the naysayers in their lives (and in their own minds) to build a thriving career, achieve financial security, and to reignite their romantic life—all while being a kickass parent to their kids. The Kickass Single Mom shows readers how to: • Build a new life that is entirely on their own terms. • Find the time to devote to health, hobbies, friendships, faith, community and travel. • Be a joyful, present and fun mom, and proud role model to your kids. Full of practical advice and inspiration from Emma's life, as well as other successful single moms, this is a must-have resource for any single mom.
  business license for cosmetology: Occupational Outlook Handbook , 2008
  business license for cosmetology: Occupational Outlook Handbook U S Dept of Labor, 2000-02 For the past 50 years, the Occupational Outlook Handbook has been the most widely used and trusted source of occupational information -- anywhere! JIST's edition is a complete reprint of the original!
  business license for cosmetology: Occupational Outlook Handbook 2010-2011 (Paperback) Labor Dept. (U.S.), Bureau of Labor Statistics, 2010 An important resource for employers, career counselors, and job seekers, this handbook contains current information on today's occupations and future hiring trends, and features detailed descriptions of more than 250 occupations. Find out what occupations entail their working conditions, the training and education needed for these positions, their earnings, and their advancement potential. Also includes summary information on 116 additional occupations.
  business license for cosmetology: Becoming a Hairstylist Kate Bolick, 2019-04-02 Based on the real-life experiences of an expert in the field, an immersive, accessible guide to a career in hairstyling brought to life by acclaimed writer Kate Bolick—essential reading for anyone interested in this creative and dynamic profession. Gwenn LeMoine sees the world through the lens of hair. The daughter of two hairstylists, she has taken her natural talent to an entrepreneurial level and is now the owner of Parlor, a wildly popular, two-location hair salon in the East Village and Brooklyn. A pioneer with four decades of expertise in styling eccentric celebrity personalities, LeMoine works with clients such as such as Piper Kerman, Rue McClanahan, Molly Ringwald, Twyla Tharp, and William Wegman, to name only a few. Her work has also been featured on television (SNL, VH1, ETV), in magazines (Real Simple, Nylon, The New York Times, and Paste), and at awards shows, such as the Tonys and Emmys. In Becoming a Hairstylist, Atlantic columnist and New York Times notable author Kate Bolick provides a compelling profile of a career in hair styling through the life of LeMoine, and offers us a glance at a day in the life at Parlor. The perfect resource for anyone interested in a career in cosmetology, Becoming a Hairstylist portrays how to excel as a stylist—at any age and for all types of customers.
  business license for cosmetology: Milady's Standard Nail Technology [With Workbook] Milady Publishing Company, Schultes, 2002-08-01
  business license for cosmetology: Occupational Outlook Handbook U. S. Department of Labor, Bureau of Statistics Staff, United States. Bureau of Labor Statistics, 2000-02
  business license for cosmetology: Job Instructor Training , 1942
  business license for cosmetology: Start Your Own Hair Salon and Day Spa Eileen Figure Sandlin, Entrepreneur Press,, 2014-09-22 Personal care, newfound energy, and a revitalized appearance remain invaluable commodities among consumers. Learn the ins and outs of starting a successful business in one of today’s hottest industries: salons and day spas. From laying the groundwork and establishing yourself in the marketplace to holding a grand opening and developing service policies, this step-by-step guide takes you from big-picture plans to day-to-day dealings in your new spa and salon. Plus, gain insight, advice, and tips from interviews with practicing hair salon and day spa owners.
  business license for cosmetology: How to Start a Business in Tennessee Entrepreneur Press, 2003-09-25 This series covers the federal, state, and local regulations imposed on small businesses, with concise, friendly and up-to-the-minute advice on each critical step of starting your own business.
  business license for cosmetology: Directory of Postsecondary Institutions , 1990
  business license for cosmetology: Jet , 1997-10-27 The weekly source of African American political and entertainment news.
  business license for cosmetology: Buying Beauty WEN Hua, 2013-01-01 Cosmetic surgery in China has grown rapidly in recent years of dramatic social transition. Facing fierce competition in all spheres of daily life, more and more women consider cosmetic surgery as an investment to gain “beauty capital” to increase opportunities for social and career success. Building on rich ethnographic data, this book presents the perspectives of women who have undergone cosmetic surgery, illuminating the aspirations behind their choices. The author explores how turbulent economic, socio-cultural and political changes in China since the 1980s have produced immense anxiety that is experienced by women both mentally and physically. This book will appeal to readers who are interested in gender studies, China studies, anthropology and sociology of the body, and cultural studies.
  business license for cosmetology: (Re)Defining the Goal Kevin J. Fleming, Ph.d., Ph D Kevin J Fleming, 2016-07-02 How is it possible that both university graduates and unfilled job openings are both at record-breaking highs? Our world has changed. New and emerging occupations in every industry now require a combination of academic knowledge and technical ability. With rising education costs, mounting student debt, fierce competition for jobs, and the oversaturation of some academic majors in the workforce, we need to once again guide students towards personality-aligned careers and not just into college. Extensively researched, (Re)Defining the Goal deconstructs the prevalent one-size-fits-all education agenda. The author provides a fresh perspective, replicable strategies, and outlines six proven steps to help students secure a competitive advantage in the new economy. Gain a new paradigm and the right resources to help students avoid the pitfalls of unemployment, or underemployment, after graduation.
  business license for cosmetology: Occupational Outlook Handbook 2008-2009 (Clothbound) , Profiles ninety percent of the jobs in the economy, nearly 270 in total, covering each one's nature, working conditions, required skills, training, advancement, outlook, earnings, and related occupations.
  business license for cosmetology: Laws of the State of New York New York (State),
  business license for cosmetology: 50 Things Your Hairdresser Wants YOU to Know (and a Few Things We Don't...) Shun Pittman, 2020-11 50 Things Your Hairdresser Wants You to Know is a consumer's guide to maximizing their salon experience. The reader will gain insight to finding the right hairdresser, communicating desires to hairstylists effectively, understanding the truth about salon products and services, and learning how to identify hair needs by type and texture rather than race.
  business license for cosmetology: 14-Book Set, Fundamentals Pivot Point International, 2016-10-01 Coursebook, Study Guide & License Exam Prep
  business license for cosmetology: The Massachusetts register , 2003
  business license for cosmetology: Professional and Occupational Licensing Directory David P. Bianco, David J. Bianco, 1995-10-05 A career tool for job-seekers, career changers, licensing officials and for people who are relocating. It includes national and state information on the licenses and licensing procedures required for more than 500 occupations (and more than 1000 specific job titles) in the US. The book covers professional and vocational careers and is arranged by and cross-referenced by occupational title.
  business license for cosmetology: Legal Guide for Starting & Running a Small Business Stephen Fishman, 2023-04-25 This book is for current and aspiring entrepreneurs, as well as managers and other critical small business employees, who want practical and comprehensive guidance on business laws--without paying a lot in legal fees. The book helps owners and managers successfully begin and run a small business, covering topics like raising start-up money, protecting personal assets, negotiating leases and contracts, and more.
  business license for cosmetology: Bulletin of the United States Bureau of Labor Statistics , 1992
GEORGIA STATE BOARD OF COSMETOLOGY - Georgia …
you are establishing your salon/shop to obtain a business license. In order to open a salon/shop you must have the actual license issued by the Georgia Board of Cosmetology and Barbers …

(1020) Application for Establishment License Instructions
Complete this form in accordance with the instructions below and include additional pages and documents as necessary. The California Board of Barbering and Cosmetology (Board) cannot …

SHOP LICENSE APPLICATION INSTRUCTIONS & CHEAT SHEET …
application for cosmetology or barber salon/shop license PLEASE READ THE INSTRUCTIONS AND BECOME FAMILIAR WITH THE LAWS AND RULES GOVERNING THE PRACTICE OF …

This Starter Kit will aid the following business types: …
steps to help atlanta-preneurs get started in the cosmetology business: Step 1: Register with the Georgia Corporations Division eCorps.sos.ga.gov → Online Services → Create a User Account

COS022 - Cosmetology Mini-Salon License Application
1.A mini-establishment providing barbering, cosmetology or specialty services must have an Establishment License. 2.Only a licensed barber practitioner may shave a beard or mustache …

MICHIGAN COSMETOLOGY ESTABLISHMENT LICENSING GUIDE
Online Application for a Cosmetology Establishment License - Complete all fields, answer all questions and upload any supporting documentation. Online application can be completed by …

Guidelines for Massage, Reflexology, and/ or Cosmetology …
o If applying for Massage Establishment License, include “Designated Manager Form for Massage Establishment or Massage Business Owners”, or if applying for Reflexology Establishment …

www.dos.ny.gov Cosmetology Application
Who must apply for a Cosmetology license? Any person practicing Cosmetology as described above is required by law to have a Cosmetology license. A Cosmetology license will not permit …

Georgia State Board of Cosmetology and Barbers
Please read instructions carefully and be familiar with the laws and rules governing the practice of Cosmetology/Barbers/Hair Designer/Nail Technology/Esthetics in the State of Georgia. Click …

Barber Shop / Beauty Salon Checklist - Los Angeles
cosmetology or barber license prior to opening a shop. To obtain the license, you must complete the state’s education requirements, which must be completed at a state-licensed barber or …

BAC-012-E Establishment License Application - Texas …
1.An establishment providing barbering, cosmetology or specialty services must have an Establishment License. 2.Only a licensed barber practitioner may shave a beard or mustache …

Contiguous Establishment Licenses - Division of Occupational …
1. A personal license lets you practice barbering or cosmetology. 2. A primary establishment/shop/salon license is for a barber or cosmetology business. A primary shop …

GEORGIA STATE BOARD OF COSMETOLOGY AND BARBERS
Please contact the city or county in which you are establishing your salon/shop to obtain a business license. In order to open a salon/shop you must have the actual license issued by the …

INSTRUCTION SHEET Instruction Sheet Salon/Shop Registration
To apply for registration as a cosmetology salon, esthetics salon, hair braiding salon, nail technology salon or barber shop under the provisions of the Illinois Barber, Cosmetology, …

Instructions to Apply for a License to Operate a New Shop, …
of Cosmetology and Hairstyling’s statutes and regulations. A nonrefundable application filing fee of $350.00 in the even year of the biennial period of licensure, or $250.00 in the odd year of the …

Rules of Department of Commerce and Insurance - Missouri …
PURPOSE: This rule establishes licensing requirements for all barber and cosmetology establishments. (1) New Barber Establishments or Cosmetology Establishments.

Cosmetology Establishment Licensing Guide - State of Michigan
The cosmetology establishment license type allows a licensee to perform 1 or more cosmetology services at the place of business. Cosmetology establishment includes a mobile salon and a …

Cosmetology Establishment License Application - Kansas.gov
Jan 6, 2025 · Use this application for new salons, a salon changing location or a salon completely changing ownership. If you are applying for more than one type of license (i.e. esthetics and …

Salon, Shop, Spa & Parlor Application Detailed Instructions
The Code of Virginia requires that any individual or entity operating a barbershop, cosmetology salon, nail care salon, waxing salon, tattoo parlor, body-piercing salon, or esthetics spa must …

Use this starter guide to help you plan your way to success.
Enhancement License. A Cosmetology License allows for providing all services. Specialized licenses, such as for nail care or waxing, are also available. Learn more at …

GEORGIA STATE BOARD OF COSMETOLOGY - Georgia …
you are establishing your salon/shop to obtain a business license. In order to open a salon/shop you must have the actual license issued by the Georgia Board of Cosmetology and Barbers …

(1020) Application for Establishment License Instructions
Complete this form in accordance with the instructions below and include additional pages and documents as necessary. The California Board of Barbering and Cosmetology (Board) cannot …

SHOP LICENSE APPLICATION INSTRUCTIONS & CHEAT …
application for cosmetology or barber salon/shop license PLEASE READ THE INSTRUCTIONS AND BECOME FAMILIAR WITH THE LAWS AND RULES GOVERNING THE PRACTICE OF …

This Starter Kit will aid the following business types: …
steps to help atlanta-preneurs get started in the cosmetology business: Step 1: Register with the Georgia Corporations Division eCorps.sos.ga.gov → Online Services → Create a User Account

COS022 - Cosmetology Mini-Salon License Application
1.A mini-establishment providing barbering, cosmetology or specialty services must have an Establishment License. 2.Only a licensed barber practitioner may shave a beard or mustache …

MICHIGAN COSMETOLOGY ESTABLISHMENT …
Online Application for a Cosmetology Establishment License - Complete all fields, answer all questions and upload any supporting documentation. Online application can be completed by …

Guidelines for Massage, Reflexology, and/ or Cosmetology …
o If applying for Massage Establishment License, include “Designated Manager Form for Massage Establishment or Massage Business Owners”, or if applying for Reflexology Establishment …

www.dos.ny.gov Cosmetology Application
Who must apply for a Cosmetology license? Any person practicing Cosmetology as described above is required by law to have a Cosmetology license. A Cosmetology license will not permit …

Georgia State Board of Cosmetology and Barbers
Please read instructions carefully and be familiar with the laws and rules governing the practice of Cosmetology/Barbers/Hair Designer/Nail Technology/Esthetics in the State of Georgia. Click …

Barber Shop / Beauty Salon Checklist - Los Angeles
cosmetology or barber license prior to opening a shop. To obtain the license, you must complete the state’s education requirements, which must be completed at a state-licensed barber or …

BAC-012-E Establishment License Application - Texas …
1.An establishment providing barbering, cosmetology or specialty services must have an Establishment License. 2.Only a licensed barber practitioner may shave a beard or mustache …

Contiguous Establishment Licenses - Division of …
1. A personal license lets you practice barbering or cosmetology. 2. A primary establishment/shop/salon license is for a barber or cosmetology business. A primary shop …

GEORGIA STATE BOARD OF COSMETOLOGY AND …
Please contact the city or county in which you are establishing your salon/shop to obtain a business license. In order to open a salon/shop you must have the actual license issued by the …

INSTRUCTION SHEET Instruction Sheet Salon/Shop …
To apply for registration as a cosmetology salon, esthetics salon, hair braiding salon, nail technology salon or barber shop under the provisions of the Illinois Barber, Cosmetology, …

Instructions to Apply for a License to Operate a New Shop, …
of Cosmetology and Hairstyling’s statutes and regulations. A nonrefundable application filing fee of $350.00 in the even year of the biennial period of licensure, or $250.00 in the odd year of …

Rules of Department of Commerce and Insurance - Missouri …
PURPOSE: This rule establishes licensing requirements for all barber and cosmetology establishments. (1) New Barber Establishments or Cosmetology Establishments.

Cosmetology Establishment Licensing Guide - State of …
The cosmetology establishment license type allows a licensee to perform 1 or more cosmetology services at the place of business. Cosmetology establishment includes a mobile salon and a …

Cosmetology Establishment License Application - Kansas.gov
Jan 6, 2025 · Use this application for new salons, a salon changing location or a salon completely changing ownership. If you are applying for more than one type of license (i.e. esthetics and …

Salon, Shop, Spa & Parlor Application Detailed Instructions
The Code of Virginia requires that any individual or entity operating a barbershop, cosmetology salon, nail care salon, waxing salon, tattoo parlor, body-piercing salon, or esthetics spa must …

Use this starter guide to help you plan your way to success.
Enhancement License. A Cosmetology License allows for providing all services. Specialized licenses, such as for nail care or waxing, are also available. Learn more at …