30 W. Superior Street* Suite 126 Duluth, MN 55802. Monday-Friday 9:00AM to 5:00PM *mailing addressCall us at 954.538.4400, 305.258.1000 or 800.548.5465 or stop by one of our branch locations. You can also mail your membership application, Funds Transfer Agreement and TIS disclosure along with copies of your ID to: Power Financial Credit Union. 2020 NW 150th Ave. Suite 100. Pembroke Pines, FL 33028. FREE checking — no strings attached. No monthly service fee. No minimum balance. Unlimited check writing. Free notary service. Free fax and copy service. Free digital banking services, including: Free online banking & bill pay. Free mobile banking with mobile deposit. Power Credit Union Mobile provides members convenient access to our website, mobile check deposit, mobile banking, branch and contact information. What’s New. Dec 8, 2023. Version 22.1.110. Performance and stability improvements. Ratings and …14 May 2019 ... Please take a second and subscribe to my channel. Map your members addresses to the local branches or ATMs and see how close your members ...الاعلانات والمناقصات,ديوان محافظة البصرة. ( مناقصة عامــــة - إعـــــلان اول ) تنفيذ شبكات ومحطات امطار وثقيلة مع اعمال البلدية مع شبكات الماء والاتصالات للاحيات والافرازات الجديدة ( حي الصادق – حي العسكريين – حي ...Canon City Branch. 3140 East Main Street Canon City, CO 81212. Open Today: 9:00 am - 5:00 pm. Branch Details. The interactive map showcases all of the credit unions located in and around the Canon City, making it easy for residents to find the nearest one and take advantage of their services. The map above displays the locations of credit ...Start your review of Power Credit Union. Overall rating. 5 reviews. 5 stars. 4 stars. 3 stars. 2 stars. 1 star. Filter by rating. Search reviews. Search reviews. Alison S. SoMa, San Francisco, CA. 0. 1. May 28, 2021. This credit union out of 5 accounts at other banks and credit unions is the worst. They keep denying my payments to pay bills ...Locations. Lost or Stolen Card. Rates. Routing Number. Routing Number. The Power CU routing number is 307077202. See below where to locate your routing number on checks. Helpful Links. Contact Us.Online & Mobile Banking. Mobile Banking with Mobile Deposit. eStatements. iTunes Get it on Google Play. Free, 24/7 online banking service for Power Credit Union …A creditor has a right to file a lawsuit against a debtor if he defaults on a loan or a credit card. When a creditor receives a court judgment confirming the debt, she can attempt ...July 2021, marks the 70th anniversary of Power Financial Credit Union (PFCU). In 1951, PFCU began as the credit union for the employees of Florida Power & Light and their families. From humble beginnings 70 years ago, PFCU has flourished into a modern, full-service financial institution with nearly a billion dollars in assets, serving almost ...ExperianIDWorks.com 3BCredit is a powerful tool that plays a crucial role in building and maintaining good credit. In today’s world, having good credit is essential for financial s...To start you will need your Union Membership Number, and a personal email address. Once your payment has been submitted please allow 24 hours for your dues ticket to be processed and sent to you in the mail. For questions or concerns please call the Local 57 Hall at 801-270-5757. First & Last Name.120 S Crescent Drive Pueblo, CO81007. Get Directions. Closed Today. Call Now. Hours. Login. Loan Calculator. Locations (4) Interest Rates. Looking for a different …Since its inception in 1952 the Dairyland Power Credit Union has been serving its members in the La Crosse, Wisconsin area with exceptional financial products. Address: 3200 East Avenue South PO Box 817 La Crosse, WI 54602-0817 Phone: (608) 787-1283 or (800) 529-3728 Fax: (608) 788-4066Flexible repayment terms to fit your homebuying budget. A wide range of financing programs available: FHA/VA loans. 30-year loans. First-time buyer loans. Adjustable-rate mortgage (ARM) 2nd mortgage. Reversible mortgage. Helpful loan advisors with working knowledge of local real estate.The PCU-PUEBLO WEST BRANCH of POWER CREDIT UNION is located in PUEBLO WEST, CO at 120 S Crescent Dr. See location on map below. For additional information, such as hours of operation, please call (719) 647-2898. Location 120 S Crescent Dr PUEBLO WEST, CO 81007-2787 (719) 647-2898 Mailing Address 120 S. Crescent Dr. ...View up-to-the minute account balances and transaction history. Pay bills online with Bill Pay or pay people you know with our personal payment service. Access your accounts across all your mobile devices with our Mobile Banking app. Transfer funds between your APCO Employees Credit Union accounts or to accounts at other financial institutions.We Are Your Credit Union. In 1979, we updated our legal name to Northern States Power St. Paul Credit Union, and in 2006, we merged in Power Makers Credit Union, which was an earlier merger of the NSP High Bridge and NSP Riverside credit unions. Today we continue to proudly serve Xcel Energy employees and their family members.To start you will need your Union Membership Number, and a personal email address. Once your payment has been submitted please allow 24 hours for your dues ticket to be processed and sent to you in the mail. For questions or concerns please call the Local 57 Hall at 801-270-5757. First & Last Name. Continue. Business Login. Enter your account password & answer the security question to sign in. Password. -. Back Sign In. Forgot Password • Manage my PIB profile. About NSPCU. Achieve your financial goals with a credit union founded specifically for you. With local Twin Cities roots dating back to 1933, NSPCU has been helping hard-working utilities industry employees enjoy the quality of life and financial success they deserve for 90 years. NSPCU membership is exclusive to Xcel Energy employees and their ...The Main Office is located at 1080 West Shaw Avenue, Fresno, California 93711. Contact San Joaquin Power at (559) 230-5080. Access San Joaquin Power Employees Credit Union Login, hours, phone, financials, and additional member resources. Locations. the credit union to one or more of the seven risks. Some activities involve more risk than others; therefore, the risk to the credit union largely depends on the type of activity chosen. An activity under the incidental powers provision, which applies to federal credit unions, is one that is necessary or requisite to enable the 13 Jul 2022 ... I've also had them bump me to A++ tier on 2 car loans and give me 1.5% below their best power sports rate to keep me from going to another CU on ...Get more information for Power Credit Union in Canon City, CO. See reviews, map, get the address, and find directions. Search MapQuest. Hotels. Food. Shopping. Coffee. Grocery. Gas. Power Credit Union. Open until 5:30 PM. 1 reviews (719) 275-9615. ... Credit Union. Reviews. 1.0 1 reviews. Kari T. 11/20/2017Power Credit Union, Pueblo, Colorado. 864 likes · 8 talking about this · 115 were here. PCU has 4 branch locations to serve you: Pueblo Main, Pueblo West, …Since its inception in 1952 the Dairyland Power Credit Union has been serving its members in the La Crosse, Wisconsin area with exceptional financial products. Address: 3200 East Avenue South PO Box 817 La Crosse, WI 54602-0817 Phone: (608) 787-1283 or (800) 529-3728 Fax: (608) 788-4066Utah Power Credit Union. 4.0star. 71 reviews. 5K+ Downloads. Everyone. info. Install. Share. Add to wishlist. About this app. arrow_forward. A custom built app has been developed in-house and is now available in the Google Play store. Download the new app today! Updated on. Feb 6, 2024. Finance. Data safety.Power Credit Union. Open until 5:30 PM. 5 reviews (719) 564-0710. Website. More. Directions Advertisement. 1615 E Evans Ave Pueblo, CO 81004 Open until 5:30 PM. Hours. Mon 8:30 AM -5:30 PM Tue 8:30 AM -5 ...19 Dec 2022 ... At Lake Trust we believe that power should be harnessed for the benefit of all. You see, we are more than a credit union we are a union of ...July 2021, marks the 70th anniversary of Power Financial Credit Union (PFCU). In 1951, PFCU began as the credit union for the employees of Florida Power & Light and their families. From humble beginnings 70 years ago, PFCU has flourished into a modern, full-service financial institution with nearly a billion dollars in assets, serving almost ...Power Credit Union, Pueblo, Colorado. 864 likes · 8 talking about this · 115 were here. PCU has 4 branch locations to serve you: Pueblo Main, Pueblo West, …Cashiers Check / Credit Union Check: $2.00: Cashiers Check / Credit Union Check Stop Pay: $20.00: Coin Counter - Non members (excluding minors) 5% of coin counted: Courtesy Pay Overdraft: $30.00: Dormant Fee (After 12 months of no activity) - Including Life Savings Accounts, Excluding minor accounts: $7.00 per month To report your debit or credit card lost or stolen during business hours, call: 719-564-0710. To report your debit or credit card lost or stolen after hours, call: 1-888-241-2510. Outside the US 909-964-1398. To change your debit or credit card PIN, call: 1-866-762-0558. To activate your debit or credit card, call: 1-866-762-0558. Getting a credit union mortgage may allow you to score better rates, but it likely will be tougher to qualify. By clicking "TRY IT", I agree to receive newsletters and promotions f...Power Co-op Employees Credit Union, Humboldt, Iowa. 429 likes · 1 was here. A Not-For-Profit financial cooperative.Switch to Power Credit Union; Learn & About. 2024 Annual Meeting; Learn. Financial Literacy; How to Videos; Financial Calculators; 1099-INT Instructions for Recipient; About. Careers; About Power Credit Union; Community Involvement; Routing Number; Locate & Connect. Connect. Contact Us; Become a Member; Switch to Power Credit Union; Lost … Competitive, low rates for all kinds of needs, including: Vehicle repairs. Emergency home repairs. College expenses. Debt consolidation. And more. Both secured and unsecured loan options available. Flexible repayment terms that work with your budget. Local decisions and service from lenders who care. Auto Loans. Competitive, low rates for the purchase of a new or used vehicle. Flexible repayment terms that work with your budget. Get pre-approved for more …Home Equity Lines of Credit. Rates. Competitive rates for several short-term or one-time needs. The existing equity in your home is used as collateral backing. Loan amount based on the value of your home. Lump sum that can be used for practically any purpose. Interest paid may be tax-deductible 1. Local decisions and service from lenders who care.About Power Credit Union. Understand our promise to members, our dedication to improving lives, and why people choose financial wellness with Power CU. Learn More. Community Involvement. See how we empower the communities of Southern Colorado by supporting local charities and organizations.Flexible repayment terms to fit your homebuying budget. A wide range of financing programs available: FHA/VA loans. 30-year loans. First-time buyer loans. Adjustable-rate mortgage (ARM) 2nd mortgage. Reversible mortgage. Helpful loan advisors with working knowledge of local real estate.Crow Wing Power Credit Union P.O. Box 962 Brainerd MN 56401. Phone Numbers Local - (218) 825-2208 Toll-free - (877) 563-3072 Fax - (218) 822-2678. APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.Canon City Branch. 3140 East Main Street Canon City, CO 81212. Open Today: 9:00 am - 5:00 pm. Branch Details. The interactive map showcases all of the credit unions located in and around the Canon City, making it easy for residents to find the nearest one and take advantage of their services. The map above displays the locations of credit ... Power Credit Union, at 120 S Crescent Drive, Pueblo Colorado, is more than just a financial institution; Power is a community-driven organization committed to providing members with personalized financial solutions. Founded in 1938, Power has grown alongside the members, offering a range of services designed to meet every need. Vernal Branch. 646 E Main StreetVernal, UT84078(435) 789-5449Open Today: 8:00 am - 5:00 pm. Branch Details. Utah Power Credit Union Branch Locations - hours, phone, maps and more.To start you will need your Union Membership Number, and a personal email address. Once your payment has been submitted please allow 24 hours for your dues ticket to be processed and sent to you in the mail. For questions or concerns please call the Local 57 Hall at 801-270-5757. First & Last Name.CROW WING POWER CREDIT UNION. Jun, 30, 2023 — CROW WING POWER CREDIT UNION is a federally insured state chartered credit union headquartered in BRAINERD, MN with 1 branch location and about $112.76 million in total assets. Opened 25 years ago in 1999, CROW WING POWER CREDIT UNION has about 5,232 …To start you will need your Union Membership Number, and a personal email address. Once your payment has been submitted please allow 24 hours for your dues ticket to be processed and sent to you in the mail. For questions or concerns please call the Local 57 Hall at 801-270-5757. First & Last Name.To start you will need your Union Membership Number, and a personal email address. Once your payment has been submitted please allow 24 hours for your dues ticket to be processed and sent to you in the mail. For questions or concerns please call the Local 57 Hall at 801-270-5757. First & Last Name.Amtrak recently refurbished its lounge at Washington Union Station with new cabinetry, artwork, and a beverage station. We may be compensated when you click on product links, such ...Power Co-op Employees Credit Union, Humboldt, Iowa. 429 likes · 1 was here. A Not-For-Profit financial cooperative.Water and Power Community Credit Union (WPCCU) was formed in 1936 by a group of employees of the Department of Water and Power in downtown Los Angeles. The credit union expanded in 2018 to include everyone living, working, worshipping or attending school anywhere within Los Angeles and San Bernardino County, California. 40,000 …To start you will need your Union Membership Number, and a personal email address. Once your payment has been submitted please allow 24 hours for your dues ticket to be processed and sent to you in the mail. For questions or concerns please call the Local 57 Hall at 801-270-5757. First & Last Name.The PCU-PUEBLO WEST BRANCH of POWER CREDIT UNION is located in PUEBLO WEST, CO at 120 S Crescent Dr. See location on map below. For additional information, such as hours of operation, please call (719) 647-2898. Location 120 S Crescent Dr PUEBLO WEST, CO 81007-2787 (719) 647-2898 Mailing Address 120 S. Crescent Dr. ... About Us. The San Joaquin Power Employees Credit Union (SJPECU) was established in Fresno, CA, in 1934, to serve the employees of the San Joaquin Light and Power Company exclusively. Just two years later, in 1936, the consolidation of the San Joaquin Light and Power Company into Pacific Gas & Electric was finalized. Since that time, SJPECU has ... Putting members first since 1951. Become part of the family. Join Power Financial Credit Union in Florida and enjoy great banking solutions including auto loans, …In Miami-Dade: 305.258.1000. All Other Areas: 800.548.5465. Email: [email protected]. At Power Financial Credit Union, we hear you, we respect you and we'll help you. That's what family does. Power Financial Credit Union in Florida offers a world of valuable membership benefits and products. Learn more about our credit union and services ...If you’ve forgotten your Online Banking ID or password, or find that it isn’t working, please call us for assistance at 1-800-300-9728. If you are having trouble with Bill Pay, please call (855) 333-6067. Sign up for Online Banking and Bill Pay. It's Free!If you’re shopping for a place to keep your money, you have several options. National banks offer the convenience of a large number of ATMs and branches. Local banks give you perso...It finds that while banks continue to have a large share of outstanding consumer credit, credit unions, collectively, are the main lender for personal …Weddings are special occasions that celebrate love, commitment, and the union of two individuals. And when it comes to expressing your heartfelt wishes and congratulations, a weddi...Utah Power Credit Union’s mobile banking allows you to check balances, view transaction history, make loan payments, pay bills, deposit checks, and find ATMs. ACCOUNT. - Balances. - Transaction History. - View Check Images. - Transfer Money Between Your Utah Power Credit Union Accounts. DEPOSIT. - Deposit Checks by Taking a Picture of …Since its inception in 1952 the Dairyland Power Credit Union has been serving its members in the La Crosse, Wisconsin area with exceptional financial products. Address: 3200 East Avenue South PO Box 817 La Crosse, WI 54602-0817 Phone: (608) 787-1283 or (800) 529-3728 Fax: (608) 788-4066 To start you will need your Union Membership Number, and a personal email address. Once your payment has been submitted please allow 24 hours for your dues ticket to be processed and sent to you in the mail. For questions or concerns please call the Local 57 Hall at 801-270-5757. First & Last Name. Mar 21, 2023 · To start you will need your Union Membership Number, and a personal email address. Once your payment has been submitted please allow 24 hours for your dues ticket to be processed and sent to you in the mail. For questions or concerns please call the Local 57 Hall at 801-270-5757. First & Last Name. To start you will need your Union Membership Number, and a personal email address. Once your payment has been submitted please allow 24 hours for your dues ticket to be processed and sent to you in the mail. For questions or concerns please call the Local 57 Hall at 801-270-5757. First & Last Name.Power Financial Credit Union has been empowering our member-owners with personalized banking solutions and superior member experiences since 1951. Because we are a financial cooperative our members aren’t just customers, they are owners which provides them with exclusive access to better rates , low to no fees , free financial …Rock Springs. 601 College Drive. Rock Springs WY 82901. Monday-Friday 9:00 AM to 5:30 PM. 24-hour ATM. Phone: (307) 362-1810. Fax: (307) 362-1289. Find a location near you. Our mission is to ensure that Utah Power Credit Union creates financial power with our members by providing excellent value and lifelong relationships.Online & Mobile Banking. Mobile Banking with Mobile Deposit. eStatements. iTunes Get it on Google Play. Free, 24/7 online banking service for Power Credit Union …MPECU is pleased to offer a full suite of online solutions to help you manage your account. We offer: Online Account Access. Mobile Account Access with Mobile Deposit. Free Bill Pay. Free External Transfers (transfer money to/from your MPECU savings and checking to other non-MPECU savings and checking accounts) Estatements.It finds that while banks continue to have a large share of outstanding consumer credit, credit unions, collectively, are the main lender for personal …Amtrak recently refurbished its lounge at Washington Union Station with new cabinetry, artwork, and a beverage station. We may be compensated when you click on product links, such ...You've probably heard lots of conflicting information. So what are the facts? Actually, there are a lot of credit union benefits to be had. Whether you’re searching for your first ...Are you in the market for a new car? If so, it’s important to understand your auto loan and financing options. One institution that offers excellent options for residents of Colora...MPECU is pleased to offer a full suite of online solutions to help you manage your account. We offer: Online Account Access. Mobile Account Access with Mobile Deposit. Free Bill Pay. Free External Transfers (transfer money to/from your MPECU savings and checking to other non-MPECU savings and checking accounts) Estatements.Annual rankings utilize Market Intelligence's profitability and growth data and introduced a new category highlighting banks by region NEW YORK, M... Annual rankings utilize Market...To start you will need your Union Membership Number, and a personal email address. Once your payment has been submitted please allow 24 hours for your dues ticket to be processed and sent to you in the mail. For questions or concerns please call the Local 57 Hall at 801-270-5757. First & Last Name.Water and Power Community Credit Union (WPCCU) was formed in 1936 by a group of employees of the Department of Water and Power in downtown Los Angeles. The credit union expanded in 2018 to include everyone living, working, worshipping or attending school anywhere within Los Angeles and San Bernardino County, California. 40,000 …601 College Drive. Rock Springs WY 82901. Monday-Friday 9:00 AM to 5:30 PM. 24-hour ATM. Phone: (307) 362-1810. Fax: (307) 362-1289. Our mission is to ensure that Utah Power Credit Union creates financial power with our members by providing excellent value and lifelong relationships.Annual rankings utilize Market Intelligence's profitability and growth data and introduced a new category highlighting banks by region NEW YORK, M... Annual rankings utilize Market... Power Financial Credit Union serves members across South Florida with 7 full-service branches and offers convenient account access from anywhere using its secure Online Banking Mobile App. Power Financial Credit Union in FL provides the convenient, 24/7 account access you need in your busy life. Learn how to access your accounts at anytime. Amtrak recently refurbished its lounge at Washington Union Station with new cabinetry, artwork, and a beverage station. We may be compensated when you click on product links, such ...Power Credit Union has all the same services as a bank—like checking, savings, investment funds, mortgage loans, and car loans—but with better rates, lower fees and excellent, one-on-one service. You’ll also have account access all the time with PCU’s online banking and 750 surcharge free ATMs throughout Colorado and 28,000 ATMs nationwide.It finds that while banks continue to have a large share of outstanding consumer credit, credit unions, collectively, are the main lender for personal …Dec 6, 2023 · About this app. Our mobile app provides members convenient access to Power Credit Union's mobile website, mobile check deposit, mobile banking, branch & contact information, and help. To start you will need your Union Membership Number, and a personal email address. Once your payment has been submitted please allow 24 hours for your dues ticket to be processed and sent to you in the mail. For questions or concerns please call the Local 57 Hall at 801-270-5757. First & Last Name.Mar 21, 2023 · To start you will need your Union Membership Number, and a personal email address. Once your payment has been submitted please allow 24 hours for your dues ticket to be processed and sent to you in the mail. For questions or concerns please call the Local 57 Hall at 801-270-5757. First & Last Name.
To start you will need your Union Membership Number, and a personal email address. Once your payment has been submitted please allow 24 hours for your dues ticket to be processed and sent to you in the mail. For questions or concerns please call the Local 57 Hall at 801-270-5757. First & Last Name.. Generative ai course
To start you will need your Union Membership Number, and a personal email address. Once your payment has been submitted please allow 24 hours for your dues ticket to be processed and sent to you in the mail. For questions or concerns please call the Local 57 Hall at 801-270-5757. First & Last Name.Mar 21, 2023 · To start you will need your Union Membership Number, and a personal email address. Once your payment has been submitted please allow 24 hours for your dues ticket to be processed and sent to you in the mail. For questions or concerns please call the Local 57 Hall at 801-270-5757. First & Last Name. Visa Credit Cards. Get a fixed rate 8.9% APR 1 Visa ® credit card to add some freedom and flexibility to spending.. Learn MoreCanon City Branch. 3140 East Main Street Canon City, CO 81212. Open Today: 9:00 am - 5:00 pm. Branch Details. The interactive map showcases all of the credit unions located in and around the Canon City, making it easy for residents to find the nearest one and take advantage of their services. The map above displays the locations of credit ...Dairyland Power Credit Union offers Traditional, Roth and Educational IRAs. We offer both a passbook or term share account for all types of IRAs. The term share accounts have minimum balances of either $500 or $25,000 and are locked in for a specific time period. P (608) 787-1283 TF (800) 529-3728 F (608) 788-4066.Background. Power Coop Employees Credit Union headquarters is in Humboldt, Iowa has been serving members since 1956, with 1 branch from Main Office. The Main Office is located at 1208 North 13th Street, Humboldt, Iowa 50548. Contact Power Coop at (515) 332-4096. Access Power Coop Employees Credit Union Login, hours, phone, … Home. Established in 1934, San Joaquin Power Employees Credit Union is the ONLY remaining credit union in California to serve PG&E employees, retirees and their spouses exclusively. Experience the essence of Power Financial Credit Union. About Us. Since 1951, we've offered a world of valuable benefits to members we consider family. Our History It all began in 1951 when we offered loans to the employees of FP&L and their families. Our Values We're here to express the love of family by providing personalized financial solutions. Utah Power Credit Union’s mobile banking allows you to check balances, view transaction history, make loan payments, pay bills, deposit checks, and find ATMs. ACCOUNT. - Balances. - Transaction History. - View Check Images. - Transfer Money Between Your Utah Power Credit Union Accounts. DEPOSIT. - Deposit Checks by Taking a Picture of …14 May 2019 ... Please take a second and subscribe to my channel. Map your members addresses to the local branches or ATMs and see how close your members ...Are you in the market for a new car? If so, it’s important to understand your auto loan and financing options. One institution that offers excellent options for residents of Colora...Increased Offer! Hilton No Annual Fee 70K + Free Night Cert Offer! If you are looking a high-yield account NASA Federal Credit Union, could be the right institution for you. They h...Power Financial Credit Union in FL provides the convenient, 24/7 account access you need in your busy life. Learn how to access your accounts at anytime. Power Credit Union, at 3165 Highway 50 East, Canon City Colorado, is more than just a financial institution; Power is a community-driven organization committed to providing members with personalized financial solutions. Founded in 1938, Power has grown alongside the members, offering a range of services designed to meet every need. Sep 7, 2023 · Power Credit Union Q3 2023 Financial Summary Now Available. Find Power Credit Union Credit Union Near Me from 4 branches using your current location or from any U.S. address. To start you will need your Union Membership Number, and a personal email address. Once your payment has been submitted please allow 24 hours for your dues ticket to be processed and sent to you in the mail. For questions or concerns please call the Local 57 Hall at 801-270-5757. First & Last Name.Our mission is to ensure that Utah Power Credit Union creates financial power with our members by providing excellent value and lifelong relationships.Empower Federal Credit Union welcomes employees of many companies, immediate family/household members of employees and retirees, as well as our outreach to underserved communities to enjoy personal and business banking solutions including auto loan, mortgages*, credit cards and more. Bank online, in any central NY branch, or call …Crow Wing Power Credit Union P.O. Box 962 Brainerd MN 56401. Phone Numbers Local - (218) 825-2208 Toll-free - (877) 563-3072 Fax - (218) 822-2678. APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed..