| Date | Title | Description |
| 05.11.2025 | Zest AI Receives Investment from Customers | Zest AI, a Burbank, CA-based provider of AI-powered lending solutions, raised a customer-led financing.
The round was led by SchoolsFirst Federal Credit Union, Members 1st Federal Credit Union, ORNL Federal Credit Union, Truliant Federal Cr... |
| 05.11.2025 | Insurer-backed Zest AI secures strategic investment | Zest AI secured a strategic investment round led by its customers — including SchoolsFirst, Members 1st, Truliant, ORNL, and Citi Ventures.
Founded in 2009, Zest AI has raised $357.7 million to date from several investors, including TruStag... |
| 04.11.2025 | Zest AI: Strategic Investment Raised From Major Credit Unions and Citi in Oversubscribed Round | Zest AI, a leader in AI-powered lending technology, announced it has closed an oversubscribed, customer-led financing round backed by key financial institutions, including SchoolsFirst Federal Credit Union, Members 1st Federal Credit Union,... |
| 01.10.2025 | Banking Leader Jason Pendergist Transforms Member Experience at Kitsap Credit Union with Zest AI | Jason Pendergist BURBANK, CA, UNITED STATES, October 1, 2025 /EINPresswire.com/ -- Jason Pendergist, a seasoned banking executive and senior leader at Kitsap Credit Union, is putting cutting-edge technology to work to deliver faster, fairer... |
| 08.08.2025 | Credit Unions Drive Fintech Revolution with Historic $360M Fund | Curql Fund II closed at $360 million, marking the largest fintech fundraise in credit union history. Over 160 credit unions pooled capital, driving unprecedented financial innovation. This milestone elevates Curql's assets under management ... |
| 06.08.2025 | Largest Fintech Fund in Credit Union Industry History, Curql Fund II, Closes with $360 Million | Curql’s $360M Fund II ranks among the top 25 U.S. venture capital fundraises in early 2025, signaling credit unions’ growing power in fintech innovation
DES MOINES, Iowa–(BUSINESS WIRE)–August 6, 2025–
Curql, a collective of 160+ credit uni... |
| 06.03.2025 | The AI Funding Landscape: A Shifting Paradigm | The world of artificial intelligence (AI) is a bustling marketplace. It's a realm where innovation meets investment, and the stakes are sky-high. In this dynamic environment, the recent acquisition of Weights & Biases by CoreWeave stand... |
| 04.03.2025 | No Place Rivals The Bay Area For AI Funding, But Here Are The Closest Runners-Up | 3 Shares Email Facebook Twitter LinkedIn
If you want to start an AI company in the hottest hub for talent and innovation, you’ll inevitably wind up in the San Francisco Bay Area.
When it comes to startup investment, nowhere else comes close... |
| 09.02.2025 | CUDL: $41.6 Billion In Funded Loans In 2024 | Credit union vehicle financing platform CUDL announced it had closed 2024 with $41.16 billion in funded loans, validating its continued strength in connecting dealers with the largest network of credit unions nationwide.
Despite a difficult... |
| 20.12.2024 | Databricks raises a cool $10B as the boom in AI models rages on
AI and data: Databricks sets a VC funding record
Around the enterprise: How to revive Intel’s foundry business
Cyber beat: Arctic Wolf o... | The bottomless pit of funding for all things artificial intelligence remains… bottomless.
Case in point: This week Databricks raised more money than God. That’s going to be one monster IPO next year (maybe) if the economy holds up.
Meanwhil... |
| 14.12.2024 | Zest AI: A New Era in Lending Technology | In the bustling world of finance, Zest AI is making waves. The Burbank-based company has just secured a monumental $200 million growth investment from Insight Partners. This funding is not just a financial boost; it’s a launchpad for innova... |
| 14.12.2024 | Zest AI: $200 Million Growth Investment Raised From Insight Partners | Zest AI, a leader in AI-based lending technology, announced a $200 million growth investment from global software investor Insight Partners to support the company’s next transformation phase. This growth capital will enable Zest AI to doubl... |
| 13.12.2024 | Zest AI Raises $200M in Growth Funding from Insight Partners | Zest AI, a Burbank, CA-based leader in AI lending technology, received a $200m growth investment from Insight Partners.
The growth capital will enable the company to double down on its current product portfolio, continuing to advance fraud ... |
| 24.10.2024 | Building Bridges: The U.S. Treasury's Push for Affordable Housing and Financial Inclusion | In a nation where the American Dream often feels out of reach, the U.S. Treasury is stepping up to change the narrative. With a recent announcement of $246.4 million in funding, the Treasury aims to create 26,400 affordable housing units ac... |
| 21.10.2024 | Verity Credit Union Receives Second Grant from the U.S. Treasury to Serve Marginalized Communities | CDFI Fund Grant Empowers Development of Financial Services for Marginalized Communities
SEATTLE, Oct. 21, 2024 /PRNewswire-PRWeb/ -- Verity Credit Union, a leading $859 million asset financial institution in Seattle focused on socially resp... |
| 16.08.2024 | The Impact of Fintech on Payday Loans: Revolutionizing Short-Term Lending | Imagine tapping your phone a few times and getting financial help. This is not some kind of distant future; it is happening today thanks to various advances in fintech.
1F Cash Advance is one of the companies at the forefront of this revolu... |
| 05.08.2024 | Verity Credit Union Awarded US Treasury Grant to Mitigate Predatory Lending | Small Dollar Loan (SDL) Program Helps CDFIs Expand Access to Affordable Loans to Communities Historically Underserved by Financial Institutions
SEATTLE, Aug. 5, 2024 /PRNewswire-PRWeb/ -- Verity Credit Union, a leading $859 million asset fi... |
| 19.05.2024 | Zest AI Soft Launches Gen AI Tool LuLu | AI lending technology provider Zest AI this week unveiled its new lending intelligence companion LuLu. LuLu is a customized generative AI tool that lending organizations can use to instantly capture strategic industry insights, decisioning ... |
| 15.05.2024 | American Banker announces finalists for the 2024 Innovators of the Year award, celebrating technology innovators in financial services | American Banker's Innovators of the Year 2024
The 20 finalists will be celebrated during a dedicated recognition dinner at the DIGITAL BANKING conference this June, where one top winner will be named
NEW YORK, May 15, 2024 /PRNewswire-PRWeb... |
| 21.03.2024 | Verity Credit Union's Successful Partnership with Zest AI Expands Credit Access to Underserved Communities | Accessible Loans and Essential Financial Products Provide the Opportunity to Bring Better Lending to All
SEATTLE, March 21, 2024 /PRNewswire-PRWeb/ -- Verity Credit Union, an $859 million asset financial institution in Seattle that champion... |
| 01.03.2024 | Point Predictive’s BorrowerCheck for Lenders Integrates with Zest AI | Integration Protects Lenders Against First- and Third-Party Fraud
Point Predictive, a leader in artificial intelligence (“AI”) consumer lending solutions, announced the integration of its BorrowerCheck for Lenders platform with Zest AI, a l... |
| 08.09.2023 | Роль AI в Финтехе | Искусственный интеллект (AI) - это не просто технология, а целая революция, которая меняет мир вокруг нас и делает его умнее, быстрее и лучше. AI присутствует везде, где мы общаемся, работаем, учимся или развлекаемся. Но особенно сильно он ... |
| 27.06.2023 | Zest AI Announces FairBoost, A Tool for Fairer and Clearer Credit Underwriting for Lenders | Zest AI, the leader in automating underwriting with more accurate and equitable lending insights, announced the unveiling of Zest AI FairBoost, the next step in the company’s machine learning innovations to bring fairer, clearer credit unde... |
| 13.03.2023 | Verity Credit Union Partners with Zest AI to Expand Credit Union Access to Underserved Communities | “The goal here is fairer lending using AI, distributing capital to more members, addressing knowledge gaps, and helping our underserved communities build wealth,” said Chief Lending Officer Tina Narron.
SEATTLE (PRWEB) March 13, 2023
Verity... |
| 24.02.2023 | Daily AI Roundup: Biggest Machine Learning, Robotic And Automation Updates 24th Feb 2023 | This is our AI Daily Roundup . We are covering the top updates from around the world. The updates will feature state-of-the-art capabilities in artificial intelligence (AI), Machine Learning, Robotic Process Automation, Fintech, and human-s... |
| 23.02.2023 | Zest AI to Bring Fast, Fair Credit Access to Credit Unions of All Sizes | Zest AI, the leader in automating underwriting with more accurate and inclusive lending insights, announced that it has expanded its availability to its quick and equitable credit scoring software to credit unions under $300 Million in tota... |
| 16.12.2022 | What is artificial intelligence (AI) clustering? How it identifies patterns | Check out all the on-demand sessions from the Intelligent Security Summit here.
Table of contents
What are some examples of clustering algorithms?
How are clustering algorithms used in specific applications?
How are major companies approach... |
| 14.11.2022 | Zest AI Secures $50M During Growth Round | - |
| 03.11.2022 | U.S.A-based Zest AI raises over USD 50 million in a growth round | Los Angeles, U.S.A-based provider of an automated underwriting platform powered by artificial intelligence, Zest AI raised more than USD 50 million in recent funding. The growth round took place on November 2, 2022. Existing global software... |
| 03.11.2022 | Zest AI Raises Over $50M in Growth Funding | Zest AI, a Los Angeles, CA-based provider of an automating underwriting platform powered by AI, raised over $50M in growth funding.
The round was led by Insight Partners and CMFG Ventures, with participation from CU Direct, Curql, Suncoast ... |
| 03.11.2022 | Zest AI lands more than $50m in growth funding round | Credit underwriting software provider Zest AI has secured more than $50 million in a new growth round, co-led by existing investor Insight Partners and new investor CMFG Ventures.
Zest AI raises over $50m
The round also saw participation fr... |
| 02.11.2022 | Zest AI Secures $50M Growth Capital |
LOS ANGELES, CA, Zest AI, a leader in automating underwriting, has raised over $50 million in a new growth round.
>> Click here for more funding data on Zest AI
>> To export Zest AI funding data to PDF and Excel, click here
... |
| 02.11.2022 |
Zest AI Gets $50M More
| Los Angeles-based Zest AI, which develops automated underwriting tools for the lending industry, has raised over $50M in a new round of funding, the company said this morning. The funding was co-led by Insight Partners, an existing investor... |
| 06.09.2022 |
Bitwarden Raises $100M to Meet Online Security Demand | Bitwarden, an open-source password manager, has raised $100 million as the rise of remote work and our increasingly online lives boosts demand for digital security tools.
Growth equity firm PSG led the funding round and was joined by Batter... |
| 08.08.2022 | Scaling Up AI Businesses: What We’ve Learned So Far | This article originally appeared in Digital CXO.
Insight Partners’ investments in a few dozen artificial intelligence (AI) and machine learning (ML) portfolio companies has enabled us to gain a broad perspective on the challenges these fir... |
| 01.08.2022 | What is supervised machine learning? | Were you unable to attend Transform 2022? Check out all of the summit sessions in our on-demand library now! Watch here.
Table of contents
What is the difference between supervised and unsupervised ML?
How is supervised ML conducted?
Types ... |
| 07.07.2022 |
Text Message Marketing Startup Emotive Lays Off 18% of Staff | Marketing startup Emotive laid off 30 people this week as the outlook on the economy continues to sour.
CEO Brian Zatulove said that 18% of the Sawtelle-based company’s roughly 167-strong workforce was cut, adding in an email statement that... |
| 27.06.2022 | A New Tide of LA Startups Is Tackling the National Childcare Crisis | The pandemic exacerbated a problem that has been long bubbling in the U.S.: the childcare crisis.
According to a survey of people in science, technology, engineering and mathematics (STEM) careers conducted by the city’s WiSTEM Los Angeles ... |
| 06.06.2022 | SoCal SaaS is Back With Recurring Revenue Conference | Sutton Capital Partners’ annual Recurring Revenue Conference returns June 23rd, offering for the first time a hybrid model for in-person and virtual access to the subscription economy-focused event at the Hilton Los Angeles in Culver City.
... |
| 23.05.2022 | Microsoft VC-backed AI mapping firm bags $21m series B | Artificial IntelligenceInvestmentsNewsStartups
Shadine Taufik · 23 May 2022 · 1 min readMicrosoft VC-backed AI mapping firm bags $21m series B
Singapore-based NextBillion, a spatial data and mapping platform, has raised US$21 million in a s... |
| 02.05.2022 | FaZe Clan Announces New West Hollywood Pop-Up Shop | Though it’s not an invite to FaZe Clan’s Burbank mansion, fans of the Los Angeles-based esports and entertainment organization will soon be able to plug themselves into its hype house vibes with the launch of a new pop-up store.
Founded in ... |
| 26.04.2022 | Four Key AI Challenges and How the Talent Shortage Impacts Them All | When COVID first hit, many fast-growing software ScaleUps braced for significant declines in top-line revenue, preparing to tighten their belts by reducing expenses and conserving cash in order to make it through the crisis. But many ended ... |
| 12.04.2022 | Snapchat Partners With Newsrooms on New ‘Dynamic Stories’ Feature | Snap wants to be at the forefront of breaking news.
On Tuesday, the Santa Monica-based social media firm launched Dynamic Stories, which allows news organizations to more easily share their content on the Snapchat app. The feature uses a pu... |
| 07.04.2022 | Female-Led Emmeline Ventures Launches, Backs Crypto Wallet Startup | Emmeline Ventures—a new all-female, minority-led venture capital firm—has set up shop in Los Angeles, with its first check going to a local early-stage crypto startup.
The new venture firm, based in L.A. and Phoenix, is still in the process... |
| 29.03.2022 | ‘Are You Guys Tech Dorks?’: Inside the Opening Night of the NFT LA Conference | On opening night of the inaugural NFT LA conference, a crowd of entrepreneurs, marketers, engineers, YouTubers, hucksters and NFT holders filed into the Los Angeles Convention Center to dish on the nascent technology that had brought them a... |
| 29.03.2022 | Fashion Tech Works Opens New Coworking Space for Emerging Designers | For Cindy Keefer, CEO of Fashion Tech Works, sustainability has always been a way of life. The woman behind Downtown Los Angeles’ new coworking incubator for designers and artists grew up a far cry from Hollywood, on an organic farm in Wisc... |
| 23.03.2022 | Santa Barbara Cybersecurity Startups Are Having a Moment | Two cybersecurity startups that call Santa Barbara home have announced sizable Series B funding rounds.
Theta Lake, which makes security software for companies that use Zoom, Slack and similar tools to communicate, unveiled a $50 million Se... |
| 23.03.2022 | 1Question Aims to Gamify Educational Screen Time | After the pandemic shuttered schools and social activities, screen time among children nearly doubled as digital devices became their sole source of education, recreation and social activities.
The obsession with screens was noted in the El... |
| 23.03.2022 | Snap Buys NextMind To Bolster Its AR Hardware Research | Social media giant Snap has bought NextMind, a Paris-based neuro-tech company that builds mind-controlled headbands, for an undisclosed amount.
The Santa Monica-based company said Wednesday that NextMind will bolster its augmented reality (... |
| 07.03.2022 | The Revolution Is Coming for the Curb—Is LA Ready? | Sign up for dot.LA's daily newsletter for the latest news on Southern California's tech, startup and venture capital scene.
It may look like unassuming concrete at first glance, but the curb could be the most valuable piece of real estate i... |
| 07.03.2022 | GoodRx Acquiring Pharmacy Platform VitaCare to Make Name-Brand Drugs Cheaper | Prescription drug platform GoodRx has made its latest foray into the lucrative world of name-brand drugs with the $150 million acquisition of pharmacy services platform VitaCare, it announced Monday.
Santa Monica-based GoodRx has agreed to ... |
| 24.02.2022 | Wave Sports + Entertainment Raises $27 Million To Grow Its Sports Media Brands | Sign up for dot.LA’s daily newsletter for the latest news on Southern California’s tech, startup and venture capital scene.
Sports media startup Wave Sports + Entertainment (WSE) has raised $27 million in new funding from a host of investor... |
| 21.02.2022 | Art Created By Artificial Intelligence Can’t Be Copyrighted, US Agency Rules | Computers can now write poems, paint portraits and produce music better than many humans. But when it comes to the realm of intellectual property law, artwork made by machines can’t receive copyright protection, a federal agency has decided... |
| 17.02.2022 | 'Siberia Is Actually a Very Holistic Place': How Profi Founder Alina Trigubenko's Background Inspired Her New Startup for 'Soloprenuers' | Alina Trigubenko’s journey has taken her far and wide—from working at her parents’ restaurant in Siberia at age 9, to producing for one of Russia’s largest TV networks at age 18, to moving to the U.S. and founding her own startup at age 28.... |
| 16.02.2022 | Proptech Investor Fifth Wall Raises $159 Million For Its First European Fund | Fifth Wall—the Marina del Rey-based venture capital firm focused on real estate technology, also known as proptech—unveiled its first fund dedicated to the European market on Wednesday.
The venture firm said it had raised €140 million, or m... |
| 16.02.2022 | Snapchat Partners With Ticketmaster to Match Users to Local Concerts | Snap and Ticketmaster are making it easier to “match” with your next post-pandemic concert experience.
On Wednesday, the Santa Monica-based social media firm unveiled a partnership with the ticketing marketplace to curate local concerts and... |
| 16.02.2022 | With New Funding, Auticon Looks to Grow Job Opportunities for Autistic Adults | Technology consulting firm Auticon just received a boost to its mission of helping companies hire more autistic employees.
Auticon (which styles its name “auticon”) announced Wednesday that it has received over $4 million in funding from th... |
| 03.02.2022 | Text Message Marketing Startup Voyage SMS Raises $10 Million, Buys ‘Frenemy’ LiveRecover | Voyage SMS, which builds text message marketing tools for online stores, has closed a $10 million funding round as well as its first-ever acquisition, the company announced Thursday.
East Coast venture firms RiverPark and York IE led the fu... |
| 02.02.2022 | Inside Machina Labs, the AI Robotics Startup That Wants to Transform Manufacturing | The nondescript two-story building in Chatsworth still has remnants of its previous life as a coworking space; inside, there are vibrant abstract murals on the walls, meeting rooms and a full coffee bar. Only now, the ground floor is bustli... |
| 01.02.2022 | Snap Teams With Universal to Stream Its First Virtual Concert, Starring J.Lo | Social media giant Snap is teaming with Universal Pictures to present its first-ever virtual concert, starring Jennifer Lopez and Colombian singer Maluma.
The Santa Monica-based social media firm isn’t exactly hosting the event, which won’t... |
| 31.01.2022 | What Are LA’s Hottest Startups of 2022? See Who VCs Picked in dot.LA’s Annual Survey | In Los Angeles—like the startup environment at large—venture funding and valuations skyrocketed in 2021, even as the coronavirus pandemic continued to surge and supply chain issues rattled the economy. The result was a startup ecosystem tha... |
| 28.01.2022 | How LA Beverage Startups Are Using NFTs to Build Their Brands | While you can’t drink an NFT, that isn’t stopping some beverage startups from looking to capitalize on the blockchain-enabled craze.
Non-fungible tokens have gained traction in the art world, where artists and creators are using the digital... |
| 27.01.2022 | Odell Beckham Jr. Is Feeling Bitcoin’s Current Dip—But Could Have the Last Laugh | Los Angeles Rams wide receiver Odell Beckham Jr. may be one game away from the Super Bowl, but he’s likely feeling a little lighter in the wallet amid Bitcoin’s ongoing selloff.
If the math is correct, Beckham is heading into the weekend’s ... |
| 25.01.2022 | ServiceTitan Reportedly Files for IPO at a Possible $18 Billion Valuation | ServiceTitan—which has parlayed its field service software for contractors into one of Southern California’s most valuable tech startups—has reportedly confidentially filed for an initial public offering, Business Insider reported Tuesday.
... |
| 23.09.2021 | Zest AI Doubles Down On Credit Union Market For AI Underwriting | Zest AI, a leader in AI-powered software for underwriting, announced a series of moves that underscore its commitment to the credit union industry. Zest received registered status as a Credit Union Service Organization or CUSO; received an ... |
| 01.07.2021 | Credit underwriter Zest AI raises $18 million from lender VyStar Credit, others | Tech-based credit underwriter Zest AI has raised around $18 million in a round led by mortgage lender VyStar Credit Union, First National Bank of Omaha, and Northgate Capital.
Zest, a leader in artificial intelligence, would use the funds t... |
| 04.05.2021 | Suncoast Credit Union Selects Zest AI To Bring Better Lending To Its Members | |
| 17.03.2021 | Zest AI becomes ASC 606 compliant and cuts costs 60% through financial automation with Sage Intacct | Machine learning pioneer successfully pivots to SaaS financial management and adopts new accounting standard while scaling finance efficiently amid 100% growth
ATLANTA, March 17, 2021 (GLOBE NEWSWIRE) -- Sage (FTSE: SGE), the market leader ... |
| 10.01.2021 | Top 25 Machine Learning Startups To Watch In 2021 Based On Crunchbase | Getty |
| 04.01.2021 | What Are LA’s Hottest Startups? We Asked Top VCs to Rank Them | Despite — or in many cases because of — the raging pandemic, 2020 was a great year for many tech startups. It turned out to be an ideal time to be in the video game business, developing a streaming ecommerce platform for Gen Z, or helping r... |
| 04.01.2021 | What Are LA’s Hottest Startups of 2021? We Asked Top VCs to Rank Them | Despite — or in many cases because of — the raging pandemic, 2020 was a great year for many tech startups. It turned out to be an ideal time to be in the video game business, developing a streaming ecommerce platform for Gen Z, or helping r... |
| 20.10.2020 |
Zest AI Finds $15M More
| Los Angeles-based software developer Zest AI has raised $15M in funding from Insight Partners, to go towards its credit underwriting software, the company announced this morning. According to Zest, the funding will go towards acceleration o... |
| 20.10.2020 | Zest AI Secures Investment From Insight Partners To Accelerate Adoption Of Fairer And More Transparent Credit Underwriting Software Across Enterprise-Grade Lending Operations | |
| 20.10.2020 | Zest AI Raises $15M From Insight Partners | 6 Shares Email Facebook Twitter LinkedIn
Zest AI, a company that makes software for credit underwriting, has raised $15 million in a round led by Insight Partners.
Subscribe to the Crunchbase Daily
The idea behind Zest AI is to apply better... |
| 07.09.2020 | 10 Ways AI Improves Pricing And Revenue Management | getty |
| 26.04.2020 | Top 25 Machine Learning Startups To Watch In 2020 | istock |
| - | When Crime Becomes a TikTok Trend, Law Enforcement Is Forced To Reevaluate Their Strategy | The video begins when a blue-gloved hand pries a screwdriver inside a car’s ignition switch. Parts dangle off the dashboard as the camera reveals the exposed interior where a USB cable could serve as a key to start the engine. This is the n... |
| - | This Week in ‘Raises’: Zest AI Snags $50M, Kingswood Capital Collects $500M | Online financial platform Zest AI raised fresh funding to continue expanding access to AI-automated credit underwriting for all lenders. While cybersecurity products developer MedCrypt landed more funding to scale its cryptography, behavior... |
| - | Office Hours: Tomo Co-Founder Greg Schwartz's Bid to Simplify Mortgages | On this episode of Office Hours, Tomo co-founder and CEO Greg Schwartz talks about how his work at Zillow and as an ad executive led him to co-found a digital mortgage startup.
The lack of any formal business schooling never bothered Greg S... |
| - | Zest AI | “Zest AI helps lenders make better credit decisions—increasing revenue, reducing risk, and automating compliance. We make fair credit available to everyone.” |
| - | LA Tech ‘Moves’: ABC Signature Gains New SVP | “Moves,” our roundup of job changes in L.A. tech, is presented by Interchange.LA, dot.LA's recruiting and career platform connecting Southern California's most exciting companies with top tech talent. Create a free Interchange.LA profile he... |
| - | The Social Media Apps Investors Are Watching as Twitter Writhes | It’s been just over a week since Elon Musk assumed control of Twitter.
During that time, he’s fired the social media giant’s C-Suite, proposed laying off half the staff and suggested an idea for monetizing the verification system on Twitter... |
| - | Zest AI | “Accurately assess, confidently decision, and perpetually optimize your lending business with proven AI technology. Zest AI is for lenders that want to create a smarter, inclusive, and more efficient lending process, to be agile and confide... |
| - | The 'Whale Safe' Project Is Working To Eliminate Whale Deaths From Boating Accidents | It’s difficult to calculate exactly how many whales are killed by collisions with ships every year because many strikes go unnoticed and unreported. But some estimates put the number as high as 20,000 per year. This spring, the SF Chronicle... |
| - | Jury Rules in Favor of FIGS, Tosses Out False Advertising Lawsuit | Scrubs maker FIGS gained a win in court this week after a jury found there was no merit to the false advertising and misleading business practices claims brought by rival medical apparel maker Strategic Partners Inc. (SPI).
The lawsuit whic... |