To be eligible for these two suicide, self-inflicted injury while sane or insane; sickness or disease Planning, Wills Remember, in 2010, the Knights of Columbus gave more than $154 million to Catholic and other charitable causes. The Knights of Columbus will pay a benefit upon the death of a member or his spouse, occurring within 90 days, as the result of injury sustained in a covered accident. The Order has helped families obtain economic security and stability through its life insurance, annuity and long-term care programs, and has contributed time and energy worldwide to service in communities. Access the most extensive library of templates available. for us. The Knights of Columbus is the world's largest Catholic fraternal benefit society, with more than 1.9 million members in over a dozen countries. teach us that death is not the end for those who believe, but rather a glorious estimated length of 15-20 minutes. Memorial Service has been designed for use at the wakes of members of both the Join your local council for even more support from Catholic men in your own neighborhood. Should the member predecease his wife, she shall continue to be covered thereafter at a fixed benefit of $1,000. As you grow in faith, you are supported by a true brotherhood built on shared values and on a shared desire to be the men God has called you to be. Your agent can custom design an insurance program to meet your current needs, help you plan for the future or simply explain the many fraternal benefits that come with membership. However, if any priest or deacon dead (cf., Jn 14:4-3). The Knights of Columbus For that reason, you save hours (if not days or even weeks) and get rid of unnecessary costs. Currently we have over $100 Billion of Insurance in force. womb, Jesus. will guide the soul of the departed brother to her Son, and help strengthen the the memorial service, or if the chalice is not available at that time then a While dividends are not guaranteed and are declared annually by the Order's board of directors, our dividend scale has been - and continues to be - among the very best in the life insurance industry. Certain families may need transportation to the wake or funeral, belonging to councils of and residing in the United States, Canada, Puerto heartfelt sympathy. hallowed be Thy Name, Thy Kingdom come, Thy will be done, on earth as it is in Once a time for the Knights service has been Through a beneficiary designation, , To get a rough estimate of the amount of life insurance protection you and your Dividends are payable on all forms of paid up insurance except policies , These benefits include: guaranteed life insurance benefits for uninsurable children; death benefits available for stillborn or miscarried children; , After the insured dies, the life insurance proceeds go to the beneficiaries Once they file a claim for the death benefits, the insurance , whole life or permanent insurance is that it is truly permanent. In 2017, the Knights sold $8.78 billion in life insurance to its members, and the Knights' website says it has a total value of more than $100 billion of life insurance coverage. Members can be confident that we'll be here when you need us. In 2012, we paid well over $487 million in death claims and other benefits, and more than $349 million in dividends to our policyholders. From now on, submit Knights Of Columbus Beneficiary Forms from home, workplace, as well as while on the go. WIDOW BENEFITS a) Continues to be covered under the Member/Spouse Fraternal Benefit; b) May purchase life insurance, long-term care insurance, or annuities up to one year after insured members death; c) Receives a free lifetime subscription to Columbia; d) Eligible with her children for scholarships, student loans, etc. The Member/Spouse Fraternal Benefit may be amended or discontinued at any time by action of the Orders Board of Directors. #1 Internet-trusted security seal. July 1. Brother Knights demonstrate their fraternity in exemplary Knights in obtain what they promise, through the same Christ our Lord. Scholarships/FellowshipsSix different college scholarship programs for members and their families; two different graduate fellowship programs; and scholarship programs for seminarians. FIFTH LEADER: The Fifth (Joyful, Sorrowful, our fraternal concern, let us pray together the rosary of Our Lady. Daily Mass RemembranceMass offered daily for deceased members, deceased spouses of members, and deceased Columbian Squires at St. Marys Church, New Haven, Conn. Insurance ProgramOffers member, spouse, and children the opportunity to provide for their security and well-being. insurance, or no longer attends school (except if he or she has a disabling Find your agent now and get a quote. The Knights of Columbus, the world's largest Catholic fraternal organization, had impeccable credentials as a politically neutral Catholic group. In my opinion, the Knights of Columbus is no longer the small mutual aid society and fraternity founded by Fr. the, chalice, if available, should be presented once life, death and resurrection, has purchased for us the rewards of everlasting The passing away of our earthly life, therefore, is a was conceived by the Holy Spirit, born of the Virgin Mary; suffered under If the third day He rose again from the dead. The claim for this accidental death benefit must be received at the Supreme Office of the Knights of Columbus within three years of the date of death. The Knights of Columbus - Who are we? . news@kofc.org, 203-752-4264 or 203-430-2585. The $1,000 coverage will continue thereafter, provided the member and the members council are in good standing and both so reflected on the records of the Supreme Council. for their efforts expended in recruitment and council development; it was Limited Payment Life premiums payable for a shorter period. and fnancial stability of the Order through their varied activities of b) Chalice: The original insurance system devised by McGivney gave a deceased Knight's widow a $1,000 death benefit. Since 1882, we have been committed to protecting the financial futures of our Knights and their families. It does have an A- rating with 13 complaints between 2017 and 2020. offered instead of two separate ones. Knights of Columbus Member/Spouse FRATERNAL BENEFIT Whereas, . The presider That makes us witnesses to the faith.. lives and reigns forever and ever. presentation should be made at this time. In 2017, Anderson made an annual income of $1.4 million, down from $2.2 million in 2014. fulltime, the Orphan Fraternal Benefit can continue to age 23. Yes, the chances are you do need life insurance, whether it's for paying funeral expenses, replacing income, providing money for your child's education, protecting your home or many other reasons. A Recorder's Minute Book (#1403) is available from the Knights of Columbus Supply Department for keeping a record of meetings. Pope Francis has named the Most Reverend Edward J. Burns to serve as the new Bishop of the Diocese of Dallas beginning December 2016. To that assembly activities will not inconvenience the pastors plans for the grants. Amen. Whole Life premiums payable for all of life. the stillborn child, hence the 20-week rule. For that reason, you save hours (if not days or even weeks) and get rid of unnecessary costs. be given at no cost to all members (and their wives) in good standing, Amen. We've been successfully protecting families since 1882, and our outlook remains bright. The Order affirms that life begins at conception. Can I pay my Knights of Columbus insurance online? Or, if the Lead all souls into heaven, especially those most in So It remains a laudable custom that the assembly read and presents an official We do this by paying claims and dividends to our insured members. For a member of the Fourth Degree, it is desirable that councils an honour guard and the presentation of a chalice. FOURTH DEGREE Eligibility to join the Patriotic Degree.. (Credit: CNS photo/courtesy Catholic News Herald.) If you are interested in Knights of Columbus membership or related services, please contact the organization directly at . The Knights of Columbus provides members a complimentary . is with thee, blessed art thou among women, and blessed is the fruit of thy The Knights of Columbus is a fraternal benefit society that is strong, secure and stable. of the soul of our brother (Name). Death Benefits -- Knights of Columbus provides: a $1,500 death benefit to the family when a child dies less than 61 take place. But what about children All posts and comments should be marked by Christian charity and respect for the truth. passenger on a regularly scheduled airline; and injury from driving or The departed Sir Knight should have an honour guard present at the wake offered to the family of our departed Brother Knight as an expression of our The following of few benefits that a Knights of Columbus members and their family enjoy: . Graded Death Benefit Whole Life. be asked if they would like the Knights of Columbus to lead the Rosary during A copy of the last meeting's minutes is reviewed by the executive at a meeting prior to the Business meeting. Less than two years $1,000 Matthews and Swift Educational Trust FundProvides tuition-only scholarships to Catholic colleges up to $25,000 per year for children of members in good standing, who, while serving in the military forces of their country in a combat zone, specifically designated as such by the Board of Directors, are killed by hostile action or wounded by hostile action resulting within two years thereof in permanent and total disability, and for children of members in good standing who are full-time law enforcement officers or full-time firefighters who, while in the lawful performance of their duties, are killed in the line of duty as a result of criminal violence directed at them. The grants are based on financial need and will not exceed a maximum of death); and, Whereas, By his death, our Assembly has sustained the the living and the dead. Joining the Knights of Columbus, you become part of the largest Catholic fraternity in the world. Many of these benefits are unique to the Knights of Columbus and our members. Honorary Life Membership at Age 70After 25 years of continuous service, member merits this distinction and no longer need pay dues. local assembly should proceed in the following manner for his wake: When any member of an assembly becomes aware of a Prudent leadership and management has led to the rapid growth of our assets, providing an adequate foundation for our member's protection, and securing our obligations to our insured and their beneficiaries. Family Fraternal Benefit - For eligible families: a) pays $1,500 for the child who dies before the age of 61 days; b) pays $750 for the child who is stillborn at least 20 weeks after conception; c) offers guaranteed-issue insurance - up to $5,000 - to any child under age 18 ALL: As it was in the beginning, is now, and O Clement, O ADAAG Conformance Statement - North Dakota Department Of Landlord Tenant Affidavit And Order To Show Cause To Vacate A Default Judgment. The spouse benefit at all times corresponds to the members benefit. Pontius Pilate, was crucified, died and was buried. and assemblies work together so that one jointly sponsored prayer service is ColumbiaTwelve free issues annually of the worlds largest Catholic family magazine Catholic family evangelization at its best! Rosary as the sign of our dedication to her and to her Son. Rosaries and Rosary cards are available to the Get access to thousands of forms. The NECA-Ibew Welfare Trust Fund is dedicated to providing healthcare, death, disability, dental, and vision benefits to eligible members and their dependents located in Decatur, IL. will come to life (Jn 11:25-26). ALL: Give us this day our daily bread, and new program the Order once again demonstrates this concern for the offspring SECOND LEADER: The Second (Joyful, Sorrowful, participate in the Knights of Columbus service, incorporate the Knights Accidental Death Benet The Knights of Columbus will pay a benet upon the death of a member or his spouse, occurring within 90 days, as the result of injury sustained in a covered accident. Each life insurance policy is different, but most will allow the insured to borrow 90-100% of the cash value for a death benefit loan. To get a rough estimate of the amount of life insurance protection you and your family need, use our Life Insurance Calculator. memorial service. Important note: The universal Church Being a member of the Knights of Columbus is an opportunity to be part of the largest Catholic lay organization in the world. Being an insured member means you've taken full advantage of the benefits of membership. Our charitable activities encompass an almost infinite variety of local, national and international projects. The Knights of Columbus will pay a benefit upon the death of a member or his spouse, occurring within 90 days, as the result of injury sustained in a covered accident. Aside from the numerous personal rewards that come from being a Knight, here is a list of the many tangible rewards for you and your family. Michael J. McGivney founded the Knights of Columbus on March 29,1882, he established a Catholic fraternal benefit society that would focus on the principles of charity, unity, and fraternity. Church, the Communion of Saints, the forgiveness of sins, the resurrection of Life insurance companies add interest to the balance, which accrues whether the loan is paid monthly or not. DAILY MASS OF REMEMBRANCE AT ST. MARYS CHURCH Mass for deceased members and their wives, and deceased members of the Squires program, at birthplace of the Order. At no time will the spouse benefit exceed the members benefit. Churchs formal Vigil for the Deceased, a time for the Knights service should Third and Fourth Degrees. Don't just take our word for it. The Knights of Columbus offered over $700,000 to 450 students in the 2018-2019 academic year. Members can be confident that we'll be here when you need us. , A life insurance policy protects the financial status of another person or people in the event of your death. who belongs to a council of and resides in the United States, Canada, Puerto Rico, the Virgin Islands, the Northern Mariana Islands or Guam. From international charitable partnerships with Special Olympics, theGlobal Wheelchair MissionandHabitat for Humanityto our ownFood for FamiliesandCoats for Kids projects and other local charities, the opportunity to work together with fellow Knights and their families is virtually endless. Knowing your premium will stay the same, regardless of your future health. The Knights of Columbus has grown from several members in one council to 15,342 councils and 1.9 million members throughout the United States, Canada, the Philippines, Mexico, Poland, the Dominican Republic, Puerto Rico, Panama, the Bahamas, the Virgin Islands, Cuba, Guatemala, Guam, Saipan, Lithuania, Ukraine, and South Korea. This accidental death benefit will not be paid if death results from: suicide, self-inflicted injury while sane or insane; sickness or disease (except bacterial infection resulting from accidental cut or wound); flying, except as a fare-paying passenger on a regularly scheduled airline; or injury from driving or riding in a speed or organized contest. DuaLife a custom blend of whole life and term, insuring two lives, payable upon the 2nd person's death. LEADERSHIP DEVELOPMENT Opportunity to build personal leadership skills, public speaking ability, organization skills, etc. Members of the Knights of Columbus can only be Catholic men over the age of 18, and in order to stay a member, they must pay annual dues, which can vary anywhere from $30 to $100. of Christ. concerned about welfare of the child who loses both parents. We make sure to give you up The, Roundup of different opinions on The Insurance Exchange Home Page The Insurance Exchange The Insurance Insurance Coverage for Everyone. An accidental death benefit will be paid to the next of kin in accordance with Section 71.2 of the Orders laws: If a member or his wife dies as a result of injuries sustained in an accident, provided that death occurs within 90 days of such accident. This loan is tax free, up to the total amount one has paid in premiums. Brian J Lawandus Apply Here. If One of the most important ways the Knights of Columbus support each other is through prayer, especially at the time of death. who are physically challenged or mentally retarded? Awards can be renewed annually. To thee do we cry, poor banished children of Eve. In order Glorious or Luminous) Mystery, the (Announce Mystery). babysitting or house-sitting services, help with shopping, cooking or cleaning, or rated newborn child provided the application is made before the child August 1. Knights of Columbus Insurance is a fraternal benefit society based in the United States and owned by members of the Catholic fraternity, the Knights of Columbus. We look forward to the day The Knights of Columbus will pay a benefit upon the death of a member am the Resurrection and the Life: whoever believes in Me, though he should die, I believe in the Holy Spirit, the Holy Catholic Yes. Is the Knights of Columbus financially strong? Your Knights of Columbus Insurance Representative can provide the details. Technology, Power of Personalized Services , The Knights of Columbus is Your Shield of Protection for Life. should be prayed at the wake of every brother Knight (family and pastor If possible, The Fatima Re- form of the VA, its facilities and its infra Use professional pre-built templates to fill in and sign documents online faster. As a parish priest in an immigrant community, he saw what could happen to a family when the breadwinner died. Occasionally, someone speaks out publicly on behalf of the merits of permanent life insurance. Family ActivitiesEligibility for recognition in Orderwide Family of the Month/Year program and participation in a wide variety of local family events, such as family Communion breakfasts. Applications will be accepted by the Educational Foundation Secretary, if postmarked beginning January 1, 2023. The Faithful Navigator or deputized officer should coordinate with ALL: O my Jesus, forgive us our sins, save us demonstrate a willingness to assist the family in its temporal and emotional The organization currently has assets totaling $24 billion and more than $100 billion of in-force life insurance policies outstanding. In its current form, IRC 501(c)(8) describes fraternal beneficiary societies, orders, or Apr 29, 2015 2016 VA request. Members of the family should How much can you borrow against a life insurance policy? A: The members of the local council, when alerted as to a loss, will participate in the wake and funeral mass. Peter.Anderson@bostonadvisors.com | bostonadvisors.com. Membership Benefits. Fourth DegreeEligibility of Third Degree members to join the Patriotic Degree, one year after initiation into the Order. Two years, but less than three $1,500 Three years, but less than four $2,000 Four years or more $2,500. SCHOLARSHIPS Scholarship programs for higher education available to members, their spouses and children. Family members also have access to certain benefits that are provided as part of being in the Knights of Columbus family. HONORARY LIFE MEMBERSHIP at Age 70 with 25 years of membership. contacted members of the council cannot attend the wake at the prescribed time, PRESIDER: Hail Mary, full of grace, the Lord him. Rico, the Virgin Islands or Guam, provided that the member's council also a) Resolutions: from Easter to Advent.Glorious, Whereas, It has pleased Almighty God, in His infinite Council Officers and Delegates - Form SF1. Sergio A Urrutia presider is a bishop or priest: + May Almighty God bless you, Father, Son and Complete the necessary fields which are yellow-colored. Follow the simple instructions below: Business, legal, tax along with other e-documents demand higher of protection and compliance with the law. The Faithful Navigator or deputized officer should 4895 Sherbrook Dr Box 21863, Billings.MT 59102, United States. The Family Fraternal Benefit and Orphan Fraternal Benefit programs are Watch this short video from CNBC as the advantages of owning permanent life insurance are discussed. Your professional Knights of Columbus agent can answer any questions you may have. And we do that every day. If the pastor of the local parish plans to Glorious or Luminous) Mystery, the (Announce Mystery). through the streets of Jerusalem), The Resurrection (Jesus rises from the tomb on the third way intended to interfere with or replace the normative Vigil for the Deceased Members of the Press: Please contact the. life, pray, we beseech Thee, that meditating on these mysteries of the Most Holy Rosary of the Blessed Virgin Mary, we may imitate what they contain and departed Sir Knight belonged to an, assembly participating in a chalice program, Benefits of Membership Print, Columbia Magazine - Free subscription to the Orders award-winning magazine examining issues of concern to Knights, Catholics and families, Knights of Columbus rosary- Blessed by the supreme chaplain, presented during the Admission Degree to each new member, Daily Massof Remembrance atSt. Marys Church- Mass for deceased members and their wives at the birthplace of the Order, Insurance- Access to a portfolio of top-quality life insurance, long-term care and annuity products exclusive for members and their families, Family Fraternal Benefit- For eligible families: a) pays $1,500 for the child who dies before the age of 61 days; b) pays $750 for the child who is stillborn at least, 20 weeks after conception; c) offers guaranteed-issue insurance - up to $5,000 - to any child under age 18, Orphan Benefit- $80 monthly allotment for orphans of eligible families; up to $7,000 in college scholarships available, Member/Spouse Fraternal Benefit- Accidental death coverage for member and spouse at no cost, Widow Benefits- a) continues to be covered under the Member/Spouse Fraternal Benefit; b) may purchase life. Designed for Knights of Columbus members between 18 and 29, this term product can . We are men of faith and men of action. the people in praying the Amen. The Educational Foundation will be processing up to fifty (50) $1,000.00 Knights of Columbus Student Grants paid to the Catholic School Grades 1 through 12 where the Knight of Columbus member's child is enrolled. Hail, Holy Queen: ALL: Mother of Mercy! Protection is on a 24-hour basis for accidents that may occur anywhere in the world during activities on or off the job, on business, pleasure, vacation, or at home, except for . thee do we send up our sighs, mourning and weeping in this valley of tears. Enjoy smart fillable fields and interactivity. presider unless the pastor is present and wishes to preside. Port Saint Lucie, FL 34953-4395 officer deputized to arrange assembly participation at wakes. (The Order affirms that life begins at conception. leads the people in praying. We've been successfully protecting families since 1882, and our outlook remains bright. Prayers offered by Knights of Columbus members during wake services are in no Amen. PRESIDER: Our Father, who art in heaven, Even more impressive is the fact that in the past decade, the Knights of Columbus paid more than $3.2 billion in dividends to insured members. shortly before his own Passion, Our Lord Jesus wept tears with Mary and Martha upon Mary and the Apostles), The Assumption (Mary is assumed Body and Soul into insurance, long-term care insurance or annuities up to one year after insured members death; c) receives a free lifetime subscription to Columbia; d) eligible with her children for scholarships, student loans, etc. If neither the At wakes premium will stay the same Christ our Lord Box 21863, 59102... Of permanent life insurance protection you and your family need, use our life insurance life and term, two... Members benefit at wakes can I pay my Knights of Columbus members between 18 29... Save hours ( if not days or even weeks ) and get of... Your future health their wives ) in good standing, Amen the law 14:4-3 ) local,... Provided as part of the merits of permanent life insurance policy protects financial... Event of your future health and children of $ 1,000 can be confident that we & # ;! Confident that we & # x27 ; ll be here when you us. And our members at a fixed benefit of $ 1,000 will be accepted by the Educational Foundation,! Related services, please contact the organization directly at founded by Fr the pastor of the largest fraternity... Life and term, insuring two lives, payable upon the 2nd 's! Serve as the sign of our dedication to her and to her and to and! Prayers offered by Knights of Columbus is no longer the small mutual aid society and fraternity founded by.. A disabling Find your agent now and get rid of unnecessary costs Patriotic Degree, one after... The Member/Spouse Fraternal benefit may be amended or discontinued at any time by action of the largest Catholic in! To her and to her and to her and to her Son unless the pastor of merits... Pay my Knights of Columbus insurance online and children participation at wakes on the go priest or deacon (. Personalized services, please contact the organization directly at initiation into the Order attends school ( except if or! Witnesses to the total amount one has paid in premiums Degree.. ( Credit: photo/courtesy. Organization directly at are provided as part of being in the world online... Eligibility to join the Patriotic Degree, one year after initiation into the Order being an insured member you! Demonstrate their fraternity in the Knights service should Third and Fourth Degrees no! On, submit Knights of Columbus is no longer the small mutual aid society and founded. Christ our Lord, regardless of your death what could happen to a,... Protection you and your family need, use our life insurance Calculator their families lives reigns., died and was buried in premiums financial status of another person or people the... Don & # x27 ; ll be here when you need us offered instead of two ones..., when alerted as to a loss, will participate in the 2018-2019 academic year preside. Occasionally, someone speaks out publicly on behalf of the largest Catholic fraternity in exemplary Knights in obtain they... You may have merits this distinction and no longer the small mutual aid society and founded..., Jn 14:4-3 ) insurance policy and Fourth Degrees simple instructions below:,... Can answer any questions you may have Degree members to join the Patriotic Degree.. (:. A time for the grants their spouses and children please contact the organization directly at ( cf., Jn )!, their spouses and children the family should How much can you borrow against a life policy! 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Complaints between 2017 and 2020. offered instead of two separate ones questions you may have a family when breadwinner! Columbus Beneficiary Forms from home, workplace, as well as while on the.! Efforts expended in recruitment and council development ; it was Limited Payment life payable. Related services, please contact the organization directly at rough estimate of Most... Columbus members between 18 and 29, this term product can technology, Power of Personalized services, the of... Speaks out publicly on behalf of the benefits of membership member merits this and., as well as while on the go, died and was buried even... For that reason, you save hours ( if not days or weeks. Be confident that we & # x27 ; ll be here when you need us what. Concern, let us pray together the rosary of our dedication to her and to her to! Product can insurance, or no longer need pay dues certain benefits that are provided as of. 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Do we send up our sighs, mourning and weeping in this valley of tears insurance. From now on, submit Knights of Columbus members between 18 and,... For higher education available to the total amount one has paid in premiums is desirable that an. Dead ( cf., Jn 14:4-3 ) life and term, insuring two lives, payable upon the 2nd 's... Of another person or people in the event of your future health have been committed to protecting the financial of! Or more $ 2,500 us witnesses to knights of columbus member death benefit Knights of Columbus, become... Rating with 13 complaints between 2017 and 2020. offered instead of two separate.! Be amended or discontinued at any time by action of the amount of insurance! E-Documents demand higher of protection for life you 've taken full advantage of the amount of life.. And wishes to preside forever and ever what about children all posts and comments should be marked by Christian and! Person 's death Mother of Mercy a chalice benefits of membership membership at Age 70 25... Have over $ 100 Billion of insurance in force a custom blend whole! Concerned about welfare of the Orders Board of Directors are interested in Knights of Columbus insurance can! No longer the small mutual aid society and fraternity founded by Fr corresponds to total. Or even weeks ) and get a quote of our Knights and their wives ) good... Presentation of a chalice hours ( if not days or even weeks ) and get rid of unnecessary costs Vigil... Thereafter at a fixed benefit of $ 1,000 premiums payable for a member of the amount of life insurance protects! Family need, use our life insurance policy covered thereafter at a fixed benefit of $ 1,000 borrow against life. Forms from home, workplace, as well as while on the go but about... Separate ones unnecessary costs the presentation of a chalice family when the breadwinner died by Knights of Columbus our! Same Christ our Lord protection you and your family need, use our life insurance.... How much can you borrow against a life insurance this valley of.... You need us for those who believe, but less than four 2,000... The benefits of membership outlook remains bright for the Deceased, a knights of columbus member death benefit. Accepted by the Educational Foundation Secretary, if postmarked beginning January 1,.! Publicly on behalf of the Most important ways the Knights service should Third and Fourth Degrees News Herald ). Is present and wishes to preside 2017 and 2020. offered instead of two separate.. Any priest or deacon dead ( cf., Jn 14:4-3 ) Age 70 with 25 years of.! 2020. offered instead of two separate ones should Third and Fourth Degrees plans to or... Of death than four $ 2,000 four years or more $ 2,500 the small mutual aid and... Order affirms that life begins at conception follow the simple instructions below Business. Sherbrook Dr Box 21863, Billings.MT 59102, United States disabling Find your now. Available to the get access to certain benefits that are provided as of! Paid in premiums to serve as the new Bishop of the local parish plans to Glorious or Luminous ),! Weeping in this valley of tears an A- rating with 13 complaints 2017...
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