Lobbying Disclosure Act of 1995 (Section 5) - All Filers Are Required to Complete This Page

9. Check if this filing amends a previously filed version of this report

LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.

15. General issue area code CPT

16. Specific lobbying issues

None

17. House(s) of Congress and Federal agencies Check if None

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, U.S. Copyright Office

18. Name of each individual who acted as a lobbyist in this issue area

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

​

LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.

15. General issue area code INS

16. Specific lobbying issues

ISSUEDiversity, Equity, and Inclusion Initiatives
ISSUEPaid Medical and Family Leave
ISSUENational Data Privacy Standard
ISSUESystemic Risk/Capital Standards
PL 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act - provide financial regulatory reform, to protect consumers and investors, to enhance federal understanding of insurance issues, and other purposes.
ISSUEAutonomous Vehicles
ISSUE Federal Pandemic Risk Programs
ISSUE Insurance Underwriting
HR 842/S 420, Protecting the Right to Organize (PRO) Act - amend the National Labor Relations Act, the Labor Management Relations Act, 1947, and the Labor-Management Reporting and Disclosure Act of 1959, and for other purposes.
HR 528, Financial Stability Oversight Council (FSOC) Reform Act - place FSOC and the Office of Financial Research under the regular appropriations process and to provide for certain quarterly reporting and public notice and comment requirements for the Office of Financial Research.
HR 1523/S 526, Modern Worker Empowerment Act - to amend the Fair Labor Standards Act of 1938 to harmonize the definition of employee with the common law.
HR 5, Equality Act - prohibits discrimination based on sex, sexual orientation, and gender identity in areas including public accommodations and facilities, education, federal funding, employment, housing, credit, and the jury system.
HR 1277/S 374, Improving Corporate Governance Through Diversity Act - prohibits an automobile insurer from considering specified factors when determining a consumer's insurance rates or eligibility.
HR 1270, PAID Act - prohibits an automobile insurer from considering specified factors when determining a consumer's insurance rates or eligibility.
HR 1255/S 377, Living Donor Protection Act - promote and protect from discrimination living organ do HR 1816, Information Transparency & Personal Data Control Act - require the Federal Trade Commission to promulgate regulations related to sensitive personal information, and for other purposes.
HR 1512, CLEAN Future Act - build a clean future by addressing the climate crisis, protecting the health, and putting the Nation on the path to a net-zero greenhouse gas economy by 2050.
S 524, Federal Insurance Abolishment Act - to eliminate the Federal Insurance Office.
HR 1549/S 588, Addressing Climate Financial Risk Act - establish the Advisory Committee on Climate Risk on the Financial Stability Oversight Council.
HR 1641/S 638, Promoting Infrastructure by Protecting Our Subcontractors and Taxpayers Act - to include a payment and performance security requirement for certain infrastructure financing.
DRAFTDisaster Protection for Workers' Credit Act - suspend negative credit reporting in certain circumstances.
HR 1187, ESG Disclosure Simplification Act of 2021 - requires an issuer of securities to annually disclose to shareholders certain environmental, social, and governance metrics.
S 653, Coordination of Medicare Payments and Workers Compensation (COMP) Act - provide for the application of MSP rules to certain workers' compensation settlement agreements and qualified Medicare set-aside provisions.
DRAFTDiverse Investment Advisers Act - require companies to consider diverse firms when seeking the services of investment advisers.
HR 2068/S 862, CLAIM Act - safe harbor for insurers engaging in the business of insurance in connection with a cannabis-related legitimate business.
HR 1996/S 910, SAFE Banking Act - create protections for financial institutions that provide financial services to cannabis-related legitimate businesses
S 574, PROTECT Asbestos Victims Act - improve asbestos trust claim transparency.
S 840, Litigation Funding Transparency Act - increase transparency and oversight of third-party litigation funding.
HR 1780, Paris Climate Agreement Disclosure Act - amend the Securities Exchange Act of 1934 to require disclosures related to the Paris Climate Agreement.
HR 358, FRESH Trucking Act - modifies service hour requirements for drivers transporting perishable agricultural, horticultural, or floricultural commodities.
HR 1799, PPP Extension Act of 2021 - extend deadlines for the Paycheck Protection Program.
HR 2467 PFAS Action Act of 2021 -- require EPA to designate per- and polyfluoroalkyl substances as hazardous substances
HR 2570/S 1217 Climate Risk Disclosure Act of 2021 -- directs SEC to require issuers to disclose information regarding climate change-related risks.
HR 2001 Diversity Data Accountability Act - requires regulated entities to report to the Offices of Women and Minority Inclusion within specified financial agencies.
HR 1087 Shareholder Political Transparency Act -- requires disclosure of information related to expenditures for political activities
HR 3099 Primary Regulators of Insurance Vote Act -- To include the State insurance commissioner as a voting member of the FSOC.
HR 3962/S 1625 SECURE Notarization Act -- To authorize notaries public to perform, and to establish minimum standards for, electronic notarizations and remote notarizations
S 1805SHELTER Act -- allows a tax credit to individuals and businesses for disaster mitigation expenditures.
S 1896Algorithmic Justice and Online Platform Transparency Act -- To prohibit the discriminatory use of personal information by online platforms in any algorithmic process
HR 3571/S 1876 Climate Change Financial Risk Act of 2021 -- To require the Fed to develop and conduct financial risk analyses relating to climate change, and for other purposes.
HR 3664 SMART Act -- to provide for an exception from patent infringement for certain component parts of motor vehicles.
HR 3676 To amend title 23, United States Code, to establish national standards relating to sanctions for individuals who drive a motor vehicle, with a child passenger in the vehicle, while intoxicated or impaired, and for other purposes.
HR 3711 SELF DRIVE Act -- to provide safety measures for over highly automated vehicles
HR 1187 Corporate Governance Improvement and Investor Protection Act - to require annual disclosure of certain ESG metrics.
HR 3675 Drug-Impaired Driving Education Act -- To establish a grant program to educate the public on the dangers of drug-impaired driving, and for other purposes.
HR 3757/S 1999 Multiple Substance Impaired Driving Prevention Act -- To authorize the use of certain Federal funds for multiple substance impaired driving countermeasures
HR 3899 Financial Stability Oversight Council Improvement Act of 2021 -- To amend the Financial Stability Act of 2010 to require the Financial Stability Oversight Council to consider alternative approaches before determining that a U.S. nonbank financial company shall be supervised by the Board of Governors of the Federal Reserve System, and for other purposes.
DRAFT Consumer Information Notification Requirement Act -- to provide a national standard for financial institution data security and breach notification.
S 919 Data Care Act of 2021 -- imposes various duties on online service providers with respect to their handling of individual-identifying data
4614 Resilient Federal Forests Act of 2021 - improve forest management activities on National Forest System lands
HR 4675/S 2432 Catastrophe Loss Mitigation Incentive and Tax Parity Act of 2021 - excludes from gross income qualified catastrophe mitigation payment made under a state-based catastrophe loss mitigation program.
HR 4866 Federal Insurance Office Elimination Act - to abolish FIO
HR 5823, Pandemic Risk Insurance Act (PRIA) 2022 - establish a Pandemic Risk Reinsurance Program
HR 5736, Booster Seat Safety Act - direct the Secretary of Transportation to revise regulations relating to child restraint systems
HR 5807/S 3065, DATA Privacy Act - establishes information security requirements for businesses that collect, process, store, or disclose information
HR 963, Forced Arbitration Injustice Repeal Act - prohibits a pre-dispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute
HR 5734, Catastrophic Risk Transfer (CART) Act - to establish a system for the taxation of catastrophic risk transfer companies to ensure sufficient capital to cover catastrophic insurance losses
HR 5689, Resilient AMERICA Act - improve the provision of Federal resources to help build capacity and fund risk-reducing, cost-effective mitigation projects
HR 4006 Fair Repair Act -- requires an original equipment manufacturer (OEM) to make diagnostic, maintenance, and repair equipment available to independent repair providers
HR 6580/S 3572 Algorithmic Accountability Act of 2022 -- direct the Federal Trade Commission to require impact assessments of automated decision systems and augmented critical decision processes
HR 6570 REPAIR Act -- ensure consumers have access to data relating to their motor vehicles, critical repair information, and tools, and to provide them choices for the maintenance, service, and repair of their motor vehicles
HR 4521 America COMPETES Act -- bill addresses U.S. technology and communications, foreign relations and national security, domestic manufacturing, education, trade, and other matters
HR 4777/S 2497 Nondebtor Release Prohibition Act -- addresses the release by bankruptcy courts of creditor or other third-party claims against non-debtors
S 3844Economic Continuity and Stability Act -- establish a clear and uniform process, on a nationwide basis, for replacing the London interbank offered rate in existing contracts
S 3715E-SIGN Modernization Act -- repeals certain requirements regarding the use of electronic records in commerce
S 3755Arbitration Fairness for Consumers Act -- amend the Consumer Financial Protection Act of 2010 with respect to arbitration
HR 6027 Online Privacy Act -- establishes certain online privacy rights for personal information (including contents of communications) and certain requirements for data processors, service providers, and third parties
S 3875, Community Disaster Resilience Zones Act -- require the President to develop and maintain products that show the risk of natural hazards across the United States
DRAFT, Jumpstart our Business Startups Act of 2022 -- help accelerate economic growth and spur new business formation
S 4110, Primary Regulators of Insurance Vote Act of 2022 -- establishes a state insurance commissioner as a voting member of the Financial Stability Oversight Council
S 4299, Rebuilding Small Businesses After Disasters Act -- to repeal the sunset for collateral requirements for Small Business Administration disaster loans
S 4274, National Wildland Fire Risk Reduction Program Act -- improve the Federal effort to reduce wildland fire risks
ISSUE, SEC 144A/Rule 15c2-11 No Action Letter
ISSUE, ESG, DEI, Climate-Related Financial Risk
HR 8152, American Data Privacy and Protection Act - to create a federal privacy standard
DRAFT, Data Breach and Security Notification Act of 2021- to establish data breach and security standards.
DRAFT, Rep. McHenry/Financial Services Privacy Draft - to amend GLBA
HR 8063, RAMP Act - to improve MSP statute by eliminating the private right of action

17. House(s) of Congress and Federal agencies Check if None

U.S. HOUSE OF REPRESENTATIVES, Treasury - Dept of, Homeland Security - Dept of (DHS), Securities & Exchange Commission (SEC), Federal Reserve System, U.S. Postal Service (USPS), U.S. SENATE, Federal Deposit Insurance Commission (FDIC), Federal Emergency Management Agency (FEMA)

18. Name of each individual who acted as a lobbyist in this issue area

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

​

LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.

15. General issue area code TAX

16. Specific lobbying issues

HR 1459/S 510, Ultra-Millionaire Tax Act - impose a tax on the net value of assets of a taxpayer.
HR 1984, Disaster Savings and Resilient Construction Act - provide a credit for owning certain disaster resilient property.
S 617, Death Tax Repeal Act of 2021 - repeal the estate and generation-skipping transfer taxes.
HR 1979/S 794, Tax Excessive CEO Pay Act - corporate tax rate increase on companies whose ratio of compensation of the CEO to median worker is more than 50 to 1.
HR 328/S 817, Wall Street Tax Act - impose a 0.1% excise tax on certain purchases of stocks, bonds, and derivatives.
HR 1565/S 856, Senior Security Act - establishes the Senior Investor Taskforce within the SEC.
S 994, For the 99.5% Act - reinstate estate and generation-skipping taxes.
PL 115-97, Tax Cuts and Jobs Act - amends corporate and individual tax provisions.
TAX
HR 2573/S 1136 Affordable Housing Credit Improvement Act of 2021 -- to reform the low-income housing credit
S 1283Tax on Wall Street Speculation Act -- impose a tax on certain trading transactions
S 1308American Infrastructure Bonds Act of 2021 -- allows the issuer of an American infrastructure bond a tax credit for 28% of the interest payable under such bond.
S 2028Millionaires Surtax Act -- To impose a surtax on high income individuals.
S 2621Modernization of Derivatives Tax Act - modifies the tax treatment of derivatives.
HR 4940/S 2680 Real Corporate Profits Tax Act - imposes an additional 7% tax on the adjusted net book income of a corporation that exceeds $100 million
HR 5376 Build Back Better Act - provides funding, establishes programs, and otherwise modifies provisions relating to a broad array of areas, including education, labor, childcare, health care, taxes, immigration, and the environment

17. House(s) of Congress and Federal agencies Check if None

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES

18. Name of each individual who acted as a lobbyist in this issue area

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

​

LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.

15. General issue area code RET

16. Specific lobbying issues

ISSUE Investment Advice Standard of Conduct
HR 699, Mutual Fund Litigation Reform Act - amend the Investment Company Act of 1940 to provide complaint and burden of proof requirements for certain actions for breach of fiduciary duty
HR 725/S 153, Personalized Care Act - amend the Internal Revenue Code of 1986 to expand and improve health savings accounts, and for other purposes.
HR 984, Retirement Inflation Protection Act - allows the basis of certain assets to be adjusted for inflation solely for the purpose of determining the gain or loss.
S 380, Health Savings Act - modifies the requirements for health savings accounts (HSAs).
HR 1584, Protecting Retirement Savers and Everyday Investors Act - impose a limitation on taxation and fees on transactions by certain securities industry participants.
HR 1618/S 606, RESPOND Act - require the FRB and SEC to issue an annual report on the economic costs caused by the impacts of climate change, to require the Federal Retirement Thrift Investment Board to establish a Federal Advisory Panel on the Economics of Climate Change.
S 1443Retirement Parity for Student Loans Act -- allows certain employer-sponsored retirement plans to make matching contributions for an employee's student loan payments
HR 2951 To direct the Secretary of the Treasury to modify Treasury Regulations relating to insurance-dedicated exchange-traded funds - enables ETFs as investment option in variable insurance products
HR 2944 Reducing the Maximum Service Requirement for Long-term Part-time Workers to Make Elective Deferrals to 401(k) Plans Act -- to reduce the retirement plan period of service requirements for long-term, part-time employees.
S 1703Improving Access to Retirement Savings Act of 2021 -- to increase retirement savings, to improve retirement plan administration, and for other purposes.
S 1770Retirement Security & Savings Act -- to increase retirement savings, to improve retirement plan administration, and for other purposes.
HR 3387/S 1762 Financial Factors in Selecting Retirement Plan Investment Act -- to permit retirement plans to consider certain factors in investment decisions.
S 1272SIMPLE Plan Modernization Act -- increases the contribution limits for certain SIMPLE IRAs and modifies the requirements for replacing SIMPLE IRAs with 401(k) plans.
HR 2741 Public Service Retirement Fairness Act -- To modify rules relating to 403(b) plans.
HR 4262 Increasing Investor Opportunities Act - To amend the Investment Company Act of 1940 to prohibit limitations on closed-end companies investing in private funds
S 2206Young American Savers Act of 2021 - directs the Department of the Treasury to establish as a permanent program the Federal Child Savings Account Program
HR 4289 Well-Being Insurance for Seniors to be at Home (WISH) Act - to provide for long-term care insurance benefits
HR 2913/S 2452 Encouraging Americans to Save Act - to provide matching payments for retirement savings and establish MyRA
HR 4678/S 2446 Womens Retirement Protection Act of 2021 - to provide for greater spousal protection under defined contribution plans
HR 5334/S 2870 Portable Retirement and Investment Account (PRIA) Act of 2021 - to establish portable retirement accounts
S 2602,Retirement Security Flexibility Act of 2021 - modifies the nondiscrimination requirements that apply to certain employer-sponsored 401(k) retirement plans that include automatic contribution arrangements
HR 2265, Financial Exploitation Prevention Act - allows for the delay of the redemption of a security issued by an open-end investment management company if the company or transfer agent reasonably believes the redemption involves the financial exploitation
HR 5723, Social Security 2100 Act: A Sacred Trust - protect our Social Security system and improve benefits for current and future generations
HR 5891, Retirement Improvement and Savings Enhancement (RISE) Act - to improve and enhance retirement savings
HR 4865/S 3198, Registration for Index Linked Annuities (RILA) Act - direct SEC to revise any rules necessary to enable issuers of index-linked annuities to register on a form tailored specifically to registered index-linked annuities
S 2583 Disaster Retirement Savings Act - amend the Internal Revenue Code of 1986 to provide for rules for the use of retirement funds in connection with federally declared disasters.
S 2601Strengthening Financial Security Through Short-Term Savings Accounts Act of 2021 -- allows employers to enroll employees in short-term savings accounts that are funded using automatic contributions deducted from participating employees' wages.
HR 6746 Lifetime Income for Employees Act -- allows fiduciaries of pension plans to make default investment arrangements in annuity contracts
HR 6782/S 3712 Auto Reenroll Act of 2022 -- allows sponsors of automatic contribution arrangements to reenroll their employees
HR 5877/S 3746 Pension Risk Transfer Accountability Act of 2021 -- requires the Department of Labor to review pension risk transfer standards
HR 6912 Pooled Employer Plan (PEP) Fix Act -- to require that named fiduciaries collect contributions to pooled employer plans
HR 7107/S 2415 Long-Term Care Affordability Act -- allows the use of tax-exempt retirement plan distributions to pay for long-term health care insurance
HR 7146/S 1870 Enhancing Emergency and Retirement Savings Act of 2022 -- permits penalty-free distributions, up to $1,000, from tax-exempt retirement plans for emergency personal expenses, limited to one distribution in a calendar year
HR 2954 Securing a Strong Retirement of 2022 -- makes various changes with respect to employer-sponsored retirement plans, including providing for the automatic enrollment of employees in certain plans and increasing the age at which participants are required to begin receiving mandatory distributions.
HR 7310, Protecting America's Retirement Security Act -- To protect Americas retirement security
S 3955, Starter-K Act of 2022 -- allows employers who do not provide a retirement plan to establish a starter 401(k) deferral-only arrangement for plan years beginning after 2022
HR 7284, Informed Savers Act -- requires the Department of Labor to review the fee disclosure requirements associated with the administration of defined contribution retirement plans
S 4086,Increasing Small Business Retirement Choices Act -- amend the Employee Retirement Income Security Act of 1974 to better enable plan sponsors to implement beneficial plan features
S 4087, Information Needed for Financial Options Risk Mitigation (INFORM) Act -- require pension plans that offer participants and beneficiaries the option of receiving lifetime annuity payments as lump sum payments, to meet certain notice and disclosure requirements
S 4103, Helping Parents Save for College Act of 2022 -- allows a retirement savings tax credit for contributions to any qualified tuition program (e.g., a 529 qualified tuition plan). It also permits a rollover of unused contributions to a ROTH IRA savings account
S 4147, Financial Freedom Act -- prohibit the Secretary of Labor from constraining the range or type of investments that may be offered in individual retirement accounts
S 4154, Simplifying Small Business Retirement Savings Act -- provide better access to retirement plans through small businesses
S 4153, Incentivizing Small Business Retirement Savings Act -- allows eligible small employers an additional pension plan startup cost tax credit
HR 7740/S 4219, Employee and Retiree Access to Justice Act - limit mandatory arbitration agreements under ERISA
ISSUE, Davis-Bacon Benefits Proposed Rule DOL
S 4241, INDEX Act -- to require investment advisers for passively managed funds to arrange for pass-through voting of proxies
HR 7594/S 4097, Too Narrow to Succeed Act - instruct DOL to conduct a survey of best practices for increasing the diversity of the asset management firms that invest American workers retirement plan funds
S 4310, Emergency Savings Act of 2022 -- allow employers to offer pension-linked emergency savings accounts for financial emergencies
S 4353, RISE and SHINE Act -- amend the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code of 1986 to improve retirement plan provisions
S 4361, Savvy Savers Act -- require reports to Congress on reporting and disclosure requirements related to retirement plans
DRAFT, Enhancing American Retirement Now (EARN) Act - to improve retirement security
S 4406,Advancing Auto Portability Act -- to provide incentives for the use of automatic portability arrangements under defined contribution plans

17. House(s) of Congress and Federal agencies Check if None

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES

18. Name of each individual who acted as a lobbyist in this issue area

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

​

LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.

15. General issue area code HCR

16. Specific lobbying issues

None

17. House(s) of Congress and Federal agencies Check if None

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Health & Human Services - Dept of (HHS), Labor - Dept of (DOL), Treasury - Dept of

18. Name of each individual who acted as a lobbyist in this issue area

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

​

LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.

15. General issue area code LBR

16. Specific lobbying issues

None

17. House(s) of Congress and Federal agencies Check if None

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES

18. Name of each individual who acted as a lobbyist in this issue area

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

​

LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.

15. General issue area code TRA

16. Specific lobbying issues

None

17. House(s) of Congress and Federal agencies Check if None

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES, Transportation - Dept of (DOT), Agriculture - Dept of (USDA)

18. Name of each individual who acted as a lobbyist in this issue area

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

​

LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed.

15. General issue area code HOU

16. Specific lobbying issues

None

17. House(s) of Congress and Federal agencies Check if None

U.S. SENATE, U.S. HOUSE OF REPRESENTATIVES

18. Name of each individual who acted as a lobbyist in this issue area

19. Interest of each foreign entity in the specific issues listed on line 16 above Check if None

​

Information Update Page - Complete ONLY where registration information has changed.

20. Client new address

21. Client new principal place of business (if different than line 20)

22. New General description of client’s business or activities

LOBBYIST UPDATE

23. Name of each previously reported individual who is no longer expected to act as a lobbyist for the client

ISSUE UPDATE

24. General lobbying issue that no longer pertains

AFFILIATED ORGANIZATIONS

25. Add the following affiliated organization(s)

Internet Address:

26. Name of each previously reported organization that is no longer affiliated with the registrant or client

FOREIGN ENTITIES

27. Add the following foreign entities:

28. Name of each previously reported foreign entity that no longer owns, or controls, or is affiliated with the registrant, client or affiliated organization

CONVICTIONS DISCLOSURE

29. Have any of the lobbyists listed on this report been convicted in a Federal or State Court of an offense involving bribery, extortion, embezzlement, an illegal kickback, tax evasion, fraud, a conflict of interest, making a false statement, perjury, or money laundering?
No Yes