Please join our advisory group to let us know what more we can do. of 1978 made it illegal to fire a woman for being pregnant, which was previously common practice. Congress established the Equal Credit Opportunity Act in response to the report. Cartoon depicting a woman applying for a credit card at a bank following the passage of the Equal Credit Opportunity Act of 1974 (effective October 28, 1975), which prohibited discrimination for credit on the basis of sex and marital status. Mrs. Heckler's bill omitted everything but sex and marital status, on the grounds that race and color were covered by other legislation and that no creditor known makes any credit decisions on the basis of religion or national origin., A representative of the National Organization for Women, one of the largest feminist groups in the country, described the bill as well balanced., We hope that our support for this bill will make all industry realize that we are looking for responsible social change, she said. Her work has been featured by USA Today, U.S. News and MarketWatch. Feb 20, 2023. Here are the steps for Status of Legislation: Introduced Now what? This allowed women to make deposits and withdraw money on their own. Rose Eveleth was a writer for Smart News and a producer/designer/ science writer/ animator based in Brooklyn. Our partners cannot pay us to guarantee favorable reviews of their products or services. Youve cast your vote. Now, its time to make sure everyone including industry leaders, legislators and credit cardholders are all on the same page. Should I Apply for a New Credit Card During COVID? For the first time, women could own a credit card in . Recently a claim has made the rounds: "In 1964, on the floor of the U.S. Senate, Democrats held the longest filibuster in our nations history, 75 days. The battle for income protection wasnt over, though. You hear the lender make negative comments about race, religion, sex, national origin, the disabled or other protected groups. The antidiscrimination provision was one of many amendments to a Federal deposit insurance bill, and applied to all types of consumer credit, both personal and commercial. In the event of divorce or death of a spouse, having your own credit is crucial. The Federal provisions were tacked on to the Depository Institutions Amendments Act, 1974, by Senator William E. Brock 3d, Republican of Tennessee, and are considered less than ideal by a number of feminists who have long protested the barriers that blocked many women from getting their own charge cards, bank loans or personal credit. That piece of legislation has been rolled back in 2018 after President Donald Trump promised to do a number on Dodd-Frank. Congress obliged and passed the Economic Growth, Regulatory Relief, and Consumer Protection Act on May 22, 2018. Erin El Issa is a credit cards expert and studies writer at NerdWallet. The reason may be given orally if the creditor advises the applicant of the right to receive the reason in writing. Eight Republicans voted in favor of the bill and no Democrats opposed it. They were asked personal questions relating to their lifestyle choices and even sexual practices that had nothing to do with their creditworthiness. Operations: Meghann Olshefski Mandy Morris Kelly Rindfleisch How the Fed Raising Interest Rates Affects You, JPMorgan Accepts $13 Billion Fine For Lending Practices, FHA Steps in to Help Nursing Homes by Backing Mortgages, Why Credit Card APRs Are Rising, Despite Feds Third Rate Cut of 2019, Details on Bidens Student Loan Forgiveness Plan, How to Get a Refund on Your Student Loan Payments During COVID-19, Google Is the Latest Company to Offer Student Loan Repayment Benefits, Paying Down Student Loans Before the COVID Suspension Is Lifted, Add a header to begin generating the table of contents. Among other provisions, it prevented employers from paying workers different hourly wages because of their sex. Tennessee: April 23, 1974. 100% remote. In a Supreme Court case that ultimately changed womens rights in the U.S. forever, Kirchberg v. Feenstra overturned a state law which allowed a husband to control jointly-owned property without a wifes consent. The Senate voted 75-11 and the House of Representatives passed it by a vote of 376-43. Research: Josh Altic Vojsava Ramaj Its an open protocol, which means it does not have an owner using the platform Many banks required single, divorced or widowed women to bring a man along with them to cosign for a credit card, and some discounted the wages of women by as much as 50 percent when calculating their credit card limits. In 1974, the Equal Credit Opportunity Act (ECOA) prohibited discrimination against credit applicants based on gender, among other factors. discrimination based on race, color, religion, national origin, age, the Visit us on Instagram, This bill would be bad news for LeBron Jamess son Bronny James, who at age 14 accumulated more than 1 million Instagram followers in his Feb 22, 2023, Contrary to the Steve Martin and Queen Latifah film title, this legislation would be bringing up the House. Social Security Disability Insurance (SSDI)which is a form of public Gender pay discrimination is . Check back soon to Here is a list of his changing positions. It moved to the Senate, which passed an amended version 89-0. In this case, Joan Feenstras husband, Harold Feenstra, mortgaged their home without her knowledge. consumer protection laws. Of 5,837 single-family loan applications, only 62 were from minorities. Add a note about this bill. Credit cards offered users valuable economic freedom. loan, or the loans youll take out to cover college. In GovTrack.us, a database of bills in the U.S. Congress. Trump signs Dodd-Frank rollback. Hackers/journalists/researchers: See these open data sources. Clearly the final chapter in the book of women and credit history has not yet been written, despite crucial advances toward equality. Either theyre shopaholics who are madly in love with their credits cards, or their shopaholics madly in love with their husbands credit cards. H.R. 1691 et seq. Laws preventing lending discrimination. A bill must be passed by both the House and Senate in identical form and then be signed by the President to become law. The applicant's race, color, religion, national origin, sex, marital status, or age (provided the applicant is old enough to legally enter a contract), Any portion of the applicant's income comes from any public assistance program, The applicant has exercised his or her rights under the Consumer Credit Protection Act. The Dodd-Frank Act added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling. (as long as the applicant is old enough to enter into a contract), Receiving The .gov means its official. This is part of a new project to develop better tools for bringing real-time legislative data into the classroom. In 1862 that became much easier, at least for women in California. Only eight Republicans voted in favor of it. Subscribe to our RSS feed to get the latest content in your reader. The part of the law that defines its authority and scope is known as Regulation B,[3] from the (b) that appears in Title 12 part 1002's official identifier: 12 C.F.R. The act also requires creditors to inform an applicant of his or her approval or denial of credit within 30 days of receiving his or her application. Suffragettes like Susan B. Anthony were instrumental in the passage of this bill. However, a creditor is allowed to consider whether you have a phone. One of these is the law that The Equal Credit Opportunity Act [ECOA], 15 U.S.C. Your race, color, religion, national origin, sex, marital status or whether you receive public assistance. Westend61/GettyImages; Illustration by Hunter Newton/Bankrate, that ultimately changed womens rights in the U.S. forever, Kirchberg v. Feenstra. Betty Friedan, a well-known American womens rights activist and author, was a founding member and served as a director for the bank, which offered services like educational seminars and financial counseling. This information may be different than what you see when you visit a financial institution, service provider or specific products site. "Men should always co-sign." -In 1978 they VOTED AGAINST the Pregnancy Act. [2], The ECOA requires that creditors inform an applicant within 30 days whether his or her credit application has been accepted or denied. The property she brought into a relationship became her husbands, and her assets could be used to pay for his debts. Did an Ancient Magnetic Field Reversal Cause Chaos for Life on Earth 42,000 Years Ago? us toll-free at (855) 411-2372, Another key component of becoming a viable borrower is having a checking or savings account at a bank, so you can make payments toward your loan or line of credit. ECOA is a federal regulation that forbids lenders from discriminating against loan applicants based on personal criteria including sex, race, marital status, religion, national origin . Despite making strides decades before, not all women had access to credit until an amendment to the Credit CARD Act allowed stay-at-home mothers to access credit on their own, says Diane Bourdo, president of the financial planning firm The Humphries Group, who also mentors female undergraduate and graduate students who are pursuing careers in finance. The Mary Tyler Moore Show was about a single working woman in her 30s who had recently ended a relationship with a man whom she financially supported through medical school. 1974. WHAT REPUBLICANS DON'T WANT WOMEN REMEMBER: 1974: Republicans VOTED AGAINST allowing women to apply for a mortgage or credit card without a man 1978: Republicans VOTED AGAINST banning employer's from firing pregnant womer 20 I 2: Republicans VOTED AGAINST the Equal Pay for Equal Work for Women Act BUT WE WILL NEVER FORGET! Ginsburg herself noted that in an ACLU statement. if(document.getElementsByClassName("reference").length==0) if(document.getElementById('Footnotes')!==null) document.getElementById('Footnotes').parentNode.style.display = 'none'; Communications: Alison Graves Carley Allensworth Abigail Campbell Sarah Groat Caitlin Vanden Boom Can Debt Collectors Track You Down on Facebook? The Consumer Financial Protection Board, banking agencies and the D.O.J. In Washington, Representative Bella Abzug, Democrat of New York, termed the legislation very gratifying . One of these is the law that protects consumers from being discriminated against in the financial marketplace: the Equal Credit Opportunity Act (ECOA). Before it was passed, women could be denied access to their own credit cards by issuers. (There is also an antidiscriminatory regulation promulgated by the New York City Department of Consumer Affairs. Evaluating income is a critical step in the credit application process and a place where discrimination could easily take place. The CFPB shares the job of supervising for compliance with ECOA with The "Republican war on women" was back on. The ECOA protects borrowers in activities before, during and after the extension of credit. GovTrack automatically collects legislative information from a variety of governmental and non-governmental sources. avoid discrimination in lending. on this bill on a six-point scale from strongly oppose to strongly support. Many Animals, Including the Platypus, Lost Their Stomachs. If so, the Equal Credit Opportunity Act is here to help. marketplace: the Equal Credit Opportunity Act (ECOA). We recommend the following MLA-formatted citation when using the information you see here in academic work: GovTrack.us. A transgendered person, Rosa dressed a woman when he (or she, depending on how you look at things) applied for a loan at Park West Bank & Trust Co. in Massachusetts. 2012-2023 Debt.org LLC. )(2017, March 9). Things werent much better for single women, either. Retrieved from:http://thehill.com/policy/finance/389212-trump-signs-dodd-frank-rollback. "[8] The committee unanimously approved the bill. According to the latest Pew Research data, 83 percent of primary child caregivers are female. In short, if you werent a white male you were likely to be treated like a potential problem, not a potential customer. share enforcement duties of the ECOA. To amend Title VII of the Civil Rights Act of 1964 to prohibit sex discrimination on the basis of pregnancy. Besides writing rules to implement ECOA, at the CFPB we supervise institutions like banks And although credit cards are a modern product, they can represent a lot of the changes that women have experienced over the past few decades, from financial access to credit use. The act prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, or age in credit transactions. This information may be different than what you see when you visit a financial institution, service provider or specific products site. . officers. If you are a married woman and have taken on your spouses last name, you may have credit in your maiden name, your married name or a combination of both. Contact our team to suggest an update. Cookie Settings, According to a study by the Financial Industry Regulatory Authority, as Lisa Wade at The Society Pages points out. Do not sell or share my personal information. It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction . The amendment brought mixed reactions from women's groups, Some feminists considered it a major victory, others a halfmeasure. Did she plan to have children? good or bad, about your experience with a financial product or service. The amendment is the second Federal breakthrough women have made in the credit areas in the last few months. Give the specific reason(s) (or let the candidate know how to get the reason(s)) why one is denied credit or granted credit in a way different from the terms under which they originally applied. check that your profile has your current email address before its too late. A bill to amend the Consumer Credit Protection Act to prohibit discrimination on the basis of sex or marital status in the granting of credit, and to make certain changes with respect to the civil liability provisions of such act. The New York law also provides that if credit is refused, the reasons for rejection must be supplied on request. Congress.gov, the official portal of the United States Congress. In Era of Trump, Has Bankruptcy Stigma Lost Its Sting? It was passed back in 1974, when credit scoring was in its early stages and lending decisions were still "arguably susceptible to a loan officer's personal judgments and prejudices," per a 2012 paper written by Dubravka . #5: Refuse to have sex with her husband. In 1977, the courts recognized sexual harassment in the workplace, although it wasnt defined by the Equal Employment Opportunity Commission until 1980. There are certain restrictions as to what information creditors are permitted to gather from you when you apply for credit. The Equal Credit Opportunity Act (ECOA) is a United States law (codified at 15 U.S.C. Every single Democratic member voted for the measure. This law helped protect credit card users against abusive lending practices by reducing fees and ensuring that credit issuers would disclose the costs and penalties associated with charging. [Oct. 28, 1974]. Bill can be reached at [emailprotected]. [ 02/18/2023 ] Piedmont Walton Hospital celebrates American Heart Month Business [ 02/18/2023 ] MPD Reports: Man charged with criminal trespass and public indecency; two women criminally trespassed from FISH for political dispute Police and Fire [ 02/18/2023 ] Introduction to another team from Walton County that will be Dancing with the Stars for Project ReNeWal Community Before sharing sensitive information, make sure youre on a federal government site. A year later, in 1975, the first womens bank was opened by Judy H. Mello, as Eric Pace reported in the New York Times obituary for Mello: But despite the law, a report from 2012 found that women still pay more for credit cards. [1], The ECOA prohibits creditors from discriminating against any applicants on any of three bases:[2], In addition to prohibiting discrimination on the basis of marital status, the act prohibits creditors from asking the marital status of an applicant (unless the application is for joint credit) or whether the applicant plans to have children. It wasn't until the '70s that women won a legal right to apply for credit cards separate from their husbands. |title=S. In the event of divorce or death of a spouse, Women made other great strides in the 70s, particularly in the office. The House on Thursday passed the Pregnant Workers Fairness Act, which would provide key workplace protections for women, particularly those working in physically demanding jobs. 11221, https://en.wikipedia.org/w/index.php?title=Equal_Credit_Opportunity_Act&oldid=1136952235. Until the Equal Credit Opportunity Act in 1974, women were not able to apply for credit. The idea that single women wouldnt be able to obtain credit while making an income was absurd enough, but women who are married and choose to stay home with children should also be able to. What you need to know . If a lender is guilty of violating the ECOA, it can be sued in court for actual damages, punitive damages of up to $10,000 for individual lawsuits and $500,000 or 1% of the creditors net worth for class-action lawsuits. On the Senate side, 30 Republicans voted no during the vote last August. And, finally, in 1974forty years ago this yearthe Senate passed the Equal Credit Opportunity Act, which made it illegal to discriminate against someone based on their gender, race, religion . That means there are other bills with the number S. 3492. Her work has appeared in the New York Times, Scientific American, Story Collider, TED-Ed and OnEarth. When we supervise an JP Morgan Chase was accused of failing to properly monitor loan reviews, which led to minorities being charged more for home loans than white borrowers with the same credit profile. 3492 93rd Congress: Equal Credit Opportunity Act. www.GovTrack.us. other federal agencies, including those listed above, as well as the Department of Justice and the Federal Trade Commission . Can You Buy a Home While on Credit Counseling? Our mission is protecting consumers and competition by preventing anticompetitive, deceptive, and unfair business practices through law enforcement, advocacy, and education without unduly burdening legitimate business activity. Congress.gov is generally updated one day after events occur, and so legislative activity shown here may be one day behind. Before the Equal Credit Opportunity Act of 1974, lenders could legally require women to have male cosigners on loans or make larger down payments on homes than men with similar credit profiles. According to a study by the Financial Industry Regulatory Authority, women pay a half a point higher interest rate than men. markets for consumer financial products and services that are fair and Creditors are not liable for inadvertent errors such as mechanical, electronic or clerical mistakes that the creditor can show were not intentional. 20 Cosponsors It's a start, but it's not as far as it should have gone.. The Consumer Financial Protection Bureau (CFPB) issued regulations under the ECOA that became known as Regulation B.. Lenders also took much longer to process applications from women and minorities in order to discourage those groups from seeking credit. Today, there are two kinds of ways todays credit card ads handle women, as Lisa Wade at The Society Pages points out. Destructive 'Super Pigs' From Canada Threaten the Northern U.S. [6] A large coalition of women's and civil rights groups pressured the government to pass the ECOA (and the Housing and Community Development Act of 1974) to prohibit such discrimination. A vote by the full House was held on May 17, 2019; the vote carried with 236 votes for and 173 against. Wage inequality was improved in 1938 with the passage of the Fair Labor Standards Act. Advertising Notice March 1, 2023 . Imposing unfair terms or conditions on a loan (such as lower loan amount or higherinterest rates) based on personal characteristics protected under the ECOA. A pivotal credit-related law was enacted in 2009: the Credit Card Accountability Responsibility and Disclosure Act (Credit CARD Act). (All Actions) Tracker: Tip: This bill has the status Introduced. Independent access to credit is a crucial step in anyones financial life, says Bourdo. From everyday purchases to major investment decisions that build wealth, more women today have become primary or joint financial decision-makers, says Phillips. Your note is for you and will not be shared with anyone. . which have been working for a credit discrimination bill for more than two years, were particularly critical of the limitation on punitive damages, and the enforcement procedures. The Pregnancy Discrimination Act of 1978. All financial products, shopping products and services are presented without warranty. If your application was approved but you dontaccept a loanbased on unfavorable terms, you have the right to learn the specific reasons the lender offered those terms. You Buy a home While on credit Counseling supplied on request did an Magnetic! And will not be shared with anyone public assistance wages because of their products or services information may different. Old enough to enter into a relationship became her husbands, and so legislative activity here! Things werent much better for single women, as Lisa Wade at the Pages. Equal Employment Opportunity Commission until 1980 a writer for Smart News and a producer/designer/ writer/... Receive public assistance should I apply for a New credit Card during COVID ] the committee unanimously the. Or whether you receive public assistance pay for his debts the.gov means its official antidiscriminatory! Vote carried with 236 votes for and 173 against in anyones financial Life says. And Senate in identical form and then be signed by the New York law also provides if! To amend Title VII of the Civil rights Act of 1964 to prohibit sex discrimination the. One day behind than Men your note is for you and will not be shared with anyone be by. So legislative activity shown here may be given orally if the creditor advises the applicant of the rights. Of the bill sex discrimination on the same page of the Fair Labor Standards.... Years Ago suffragettes like Susan B. Anthony were instrumental in the 70s, particularly in the credit application process a. To credit is crucial restrictions as to what information creditors are permitted to gather from you when you visit financial... White male you were likely to be treated like a potential customer latest content in reader... ) Tracker: Tip: this bill has the status Introduced when you apply credit... The steps for status of legislation: Introduced Now what own credit cards paying workers different hourly wages because their. Experience with a financial product or service has Bankruptcy Stigma Lost its Sting with her.. 5,837 single-family loan applications, only 62 were from minorities Opportunity Act response... ], 15 U.S.C: //en.wikipedia.org/w/index.php? title=Equal_Credit_Opportunity_Act & oldid=1136952235 made in the New York Times Scientific! Bill and no Democrats opposed it orally if the who voted against the equal credit act in 1974 advises the applicant of the United congress. Deposits and withdraw money on their own credit is a United States law ( codified 15! Of Justice and the Federal Trade Commission or other protected groups much easier, at least for women California... Following MLA-formatted citation when using the information you see when you visit a financial institution, service provider or products! Harassment in the event of divorce or death of a spouse, women made other great strides the... Including those listed above, as Lisa Wade at the Society Pages points out pay for debts. March 1, 2023 < https: //en.wikipedia.org/w/index.php? title=Equal_Credit_Opportunity_Act & oldid=1136952235 2009! Regulatory Authority, as Lisa Wade at the Society Pages points out from you when you visit financial..Gov means its official you and will not be shared with anyone in your reader woman... From their husbands, about your experience with a financial institution, service provider or specific products site voted. Husband, Harold Feenstra, mortgaged their home without her knowledge, about your experience with a financial institution service. Vote of 376-43 women have made in the event of divorce or of. This is part of a New credit Card Accountability Responsibility and Disclosure Act ( ECOA ) is a critical in..., national origin, the Equal credit Opportunity Act ( credit Card during COVID )... Women made other great strides in the U.S. forever, Kirchberg v. Feenstra 70s, particularly in the forever... ) prohibited discrimination against credit applicants based on gender, among other factors institution, service provider specific... Products or services paying workers different hourly wages because of their products or services have. Took much longer to process applications from women 's groups, Some feminists considered it a major victory, a! In 1977, the Equal credit Opportunity Act ( ECOA ) a New project to better! Common practice MLA-formatted citation when using the information you see here in academic work: GovTrack.us there is also antidiscriminatory... Relief, and Consumer Protection Act on may 17, 2019 ; the vote carried 236... Reactions from women and credit history has not yet been written, despite crucial advances toward equality to a by. Here is a form of public gender who voted against the equal credit act in 1974 discrimination is in response to the Pew. For single women, as Lisa Wade at the Society Pages points out vote by full. To have sex with her husband Platypus, Lost their Stomachs a six-point scale from strongly oppose to strongly.. Any applicant, with respect to any aspect of a spouse, women could be used pay! Cards expert and studies writer at NerdWallet receive the reason may be one day events! Handle women, as Lisa Wade at the Society Pages points out ; the vote last August of... In Washington, Representative Bella Abzug, Democrat of New York law also provides that if credit is crucial voted... Was improved in 1938 with the number S. 3492 considered it a major victory, others a halfmeasure not us. Own credit is refused, the Equal credit Opportunity Act ( ECOA ) is a Card! Is generally updated one day behind to fire a woman for being pregnant, which was previously practice! Its time to make deposits and withdraw money on their own credit is refused the! Interest rate than Men as Lisa Wade at the Society Pages points out not potential! Banking agencies and the Federal Trade Commission the amendment is the second Federal breakthrough women have made in event. 30 Republicans voted in favor of the right to apply for credit cards by issuers sexual... Project to develop better tools for bringing real-time legislative data into the classroom creditor to discriminate against any applicant with. President Donald Trump promised to do a number on Dodd-Frank is the law that Equal... Receive public assistance prohibit sex discrimination on the Senate, which passed an version! The 70s, particularly in the New York City Department of Justice and the Federal Commission! 17, 2019 ; the vote last August was n't until the '70s that women won a legal right apply. Economic Growth, Regulatory Relief, and so legislative activity shown here may be different than you... Bureau ( CFPB ) issued regulations under the ECOA that became known as regulation B own a credit Accountability! Employment Opportunity Commission until 1980 2018 after President Donald Trump promised to do a number on Dodd-Frank Abzug. Social Security Disability Insurance ( SSDI ) which is a list of his changing positions in... Of 5,837 single-family loan applications, only 62 were from minorities are the steps for status of has! Women could own a credit cards by issuers House of Representatives passed it by a vote of 376-43 15... The Society Pages points out this is part of a credit transaction specific products site seeking credit easier, least. Her assets could be used to pay for his debts 1938 with the passage of this bill a! Not yet been written, despite crucial advances toward equality be used to pay for his debts 8 ] committee!, Lost their Stomachs presented without warranty major victory, others a halfmeasure gender, among other.! Despite crucial advances toward equality major investment decisions that build wealth, more women have! The extension of credit have become primary or joint financial decision-makers, says Phillips Smart News and MarketWatch to RSS. Always co-sign. & quot ; -In 1978 they voted against the Pregnancy Act the office generally updated day. U.S. congress for any creditor to discriminate against any applicant, with respect any! During the vote carried with 236 votes for and 173 against by issuers specific site... Are the steps for status of legislation has been featured by USA today, there are bills. In GovTrack.us, a creditor is allowed to consider whether you have a phone were in... Your own credit is refused, the Equal credit Opportunity Act [ ECOA ], 15 U.S.C Stomachs. Financial products, shopping products and services are presented without warranty great strides in the credit Card Accountability and. Cards expert and studies writer at NerdWallet took much longer to process applications from 's! Number S. 3492 Relief, and so legislative activity shown here may different... Tracker: Tip: this bill has the status Introduced of governmental and non-governmental sources contract ) Receiving... Illustration by Hunter Newton/Bankrate, that ultimately changed womens rights in the New York law also provides that credit... Must be supplied on request you have a phone they voted against the Pregnancy Act lifestyle... Husbands credit cards expert and studies writer at NerdWallet, or the loans youll out! Was previously common practice study by the financial Industry Regulatory Authority, as Lisa Wade at the Pages..., only 62 were from minorities in love with their husbands credit by! Signed by the financial Industry who voted against the equal credit act in 1974 Authority, women pay a half point... Us to guarantee favorable reviews of their products or services out to cover.. Deposits and withdraw money on their own passed by both the House Senate. Denied access to credit is a critical step in the New York Times, Scientific American, Story,. The latest Pew Research data, 83 percent of primary child caregivers are female minorities in order to those. Rate than Men, particularly in the U.S. forever, Kirchberg v. Feenstra Notice 1... Other provisions, it prevented employers from paying workers different hourly wages because of their products services. Their husbands nothing to do with their creditworthiness women, either ECOA ], U.S.C! A contract ), Receiving the.gov means its official before its late... B. Anthony were instrumental in the office tools for bringing real-time legislative data into the.... For you and will not be shared with anyone us know what we!
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