Tag: California Business

CORTE MADERA, Calif. (SEND2PRESS NEWSWIRE) -- Dr. Don Harte, noted chiropractic activist and former Libertarian State Senate candidate, knows that the current debate on so-called 'health care' is wrong, on all sides.

TORRANCE, Calif., March 16, 2017 (SEND2PRESS NEWSWIRE) -- DocMagic, Inc., the premier provider of fully-compliant loan document preparation, regulatory compliance and comprehensive eMortgage services, announced that it was named to National Mortgage Professional (NMP) magazine's annual "Top 100 Mortgage Employers" list for 2017. This is the second consecutive year that DocMagic has earned placement on the annual list.

SAN FRANCISCO, Calif., March 15, 2017 (SEND2PRESS NEWSWIRE) -- Qualia, the fastest growing provider of title settlement software, announced it has integrated its namesake settlement platform with AgentNet(R) from First American Title Insurance Company, a leading provider of title insurance and settlement services and the largest subsidiary of First American Financial Corporation (NYSE:FAF).

LOS ANGELES, Calif., March 15, 2017 (SEND2PRESS NEWSWIRE) -- Traffk(TM), the Los Angeles art district-based insurance technology company, is excited to announce the acquisition of Portland, Ore.-based Capsci Health. Capsci Health's HIPAA compliant, mobile technology platform personalizes health plan members' benefits, allowing them direct access to their plan's benefits, ID cards, preferred providers and telemedicine.

SAN DIEGO, Calif., March 14, 2017 (SEND2PRESS NEWSWIRE) -- The Mortgage Collaborative, the nation's only independent mortgage cooperative, announced today that the 100th lender member joined the organization, a milestone reached following their recent Winter Lender Member Conference in Scottsdale, Ariz.

SAN JOSE, Calif., March 13, 2017 (SEND2PRESS NEWSWIRE) -- We are pleased to announce that Counsel Lee Lueddemann, formerly of the Law Office of Leopold Lueddemann in San Ramon, Calif., and Associate Marianna Khoury, formerly of Twitter, Inc., have joined Hoge Fenton. Both are members of the firm's Intellectual Property and Privacy & Data Security Groups.

SAN DIEGO, Calif., March 13, 2017 (SEND2PRESS NEWSWIRE) -- ReverseVision, the leading provider of software and technology for the reverse mortgage industry, drew a record crowd of reverse mortgage lenders, brokers and industry newcomers to its second annual user conference February 8-10 at the Hilton San Diego Mission Bay Resort and Spa.

LOS ANGELES, Calif., March 9, 2017 (SEND2PRESS NEWSWIRE) -- Jonas Sills, founder and executive producer of Art-In-Relation (A.I.R.), announces a grand benefit performance of "Broadway-LA." After three successful seasons of theater in the Long Beach area, Art-In-Relation made its move to Los Angeles with two acclaimed productions, "Andrew Lippa's Wild Party" and "Frankenstein, A New Musical" in the fall of 2016. They were honored to receive rave reviews and an "Ovation Recommendation" from the LA Theater Alliance.

SAN FRANCISCO, Calif., March 8, 2017 (SEND2PRESS NEWSWIRE) -- EPIC Insurance Brokers and Consultants, a retail property, casualty insurance brokerage and employee benefits consultant, announced today that EPIC has been recognized among an elite group of U.S. specialty brokers by Insurance Business America (IBA).

SAN DIEGO, Calif., March 7, 2017 (SEND2PRESS NEWSWIRE) -- Consumer Advocates for RCFE Reform (CARR) is pleased to announce Grace Care Management as CARR's first corporate sponsor. President and CEO Cindy Hasz stated, "Grace Care Management is pleased to support CARR's consumer advocacy work; it long overdue, and much needed by the growing numbers of seniors who are receiving assisted living placements in California."

COSTA MESA, Calif., March 3, 2017 (SEND2PRESS NEWSWIRE) -- Simple Recovery, a leading Chemical Dependency Treatment Center in Orange County, California, announced today their ability to provide in-network addiction treatment services through 14 major insurance carriers, including Anthem Blue Cross.

PASADENA, Calif., March 2, 2017 (SEND2PRESS NEWSWIRE) -- Lender Price, the emerging leader in real-time, competitive mortgage analytics and product pricing & eligibility (PPE) solutions complete with full mobile functionality and advanced business intelligence, today announced it has been included in the 2017 HW TECH100 list published by housing industry trade magazine HousingWire.

SAN DIEGO, Calif., March 2, 2017 (SEND2PRESS NEWSWIRE) -- ReverseVision, the leading provider of software and technology for the reverse mortgage industry, today announced it has been named to HousingWire's HW TECH100(TM) list of the housing economy's most innovative technology companies for a second time. Previously recognized in 2015, ReverseVision is the only reverse mortgage loan origination software (LOS) provider to be selected for the prestigious award.

SAN FRANCISCO, Calif., March 2, 2017 (SEND2PRESS NEWSWIRE) -- EPIC Insurance Brokers and Consultants, a retail property, casualty insurance brokerage and employee benefits consultant, announced today that it will sponsor and exhibit at NCHRA's HR West 2017 Conference on March 6-8 at the Oakland Convention Center in Oakland, Calif. Please visit us at the EPIC Booth 13.

SAN FRANCISCO, Calif., March 2, 2017 (SEND2PRESS NEWSWIRE) -- Qualia, the fastest growing provider of title settlement software, announced it has completed an integration with Old Republic Title's ezJacket and Closing Protection Letter (CPL) software applications. As a result, title agents can now generate policy jackets, policy reports and CPLs directly without leaving the Qualia system.

SAN FRANCISCO, Calif., March 1, 2017 (SEND2PRESS NEWSWIRE) -- Qualia, the fastest growing provider of title settlement software, announced that it has been selected by HousingWire as a 2017 HW TECH100(TM) award winner, an honor given to the most innovative technology companies in real estate. For title settlement professionals, Qualia provides an all-in-one solution for more efficient and seamless closings.

SAN DIEGO, Calif., Feb. 27, 2017 (SEND2PRESS NEWSWIRE) -- Consumer Advocates for RCFE Reform (CARR) announced today that it is the recipient of a $30,000 grant funded by the Del Mar Healthcare Fund, through the Age Friendly Communities Program at the San Diego Foundation. The grant will move San Diego towards becoming an Age Friendly/Livable Community for All Ages, a designation of the World Health Organization and AARP.

SAN FRANCISCO and SACRAMENTO, Calif., and BIRMINGHAM, Ala., Feb. 23, 2017 (SEND2PRESS NEWSWIRE) -- EPIC Insurance Brokers and Consultants, a retail property, casualty insurance brokerage and employee benefits consultant, announced today that Principal Brian Tanner, Senior Vice President Mary Grandy and Senior Vice President Tony Lorber have been recognized as 2017 Power Brokers by Risk & Insurance Magazine.

LOS ANGELES, Calif., Feb. 23, 2017 (SEND2PRESS NEWSWIRE) -- Marion Gatley Institute has just opened to provide services and classes for people that want to learn another language, but haven't been able to do so prior. We provide a flexible class schedule in which can bend to your personal life and daily obligations.

SAN FRANCISCO, Calif., Feb. 22, 2017 (SEND2PRESS NEWSWIRE) -- Qualia, the fastest growing provider of title settlement software, announced that it has earned the American Institute of Certified Public Accountants' (AICPA's) Service Organization Control 2 (SOC 2) certification after completing an independent audit process with a third-party certified public accounting (CPA) firm.

LOS ANGELES, Calif., Feb. 21, 2017 (SEND2PRESS NEWSWIRE) -- Utelogy, which makes software for control, management and analytics of audiovisual systems for business and education, has signed a strategic solution partnership agreement with Communications Engineering Inc., (CEI), a premier full service consulting, design and implementation company providing turnkey broadcast, audio visual and media IT system integration services.

LOS ANGELES, Calif., Feb. 17, 2017 (SEND2PRESS NEWSWIRE) -- iMobie Inc., an advanced iOS-related software developer, updated iPhone manager AnyTrans with exclusive iCloud management feature to manage and sync contents across multi-iCloud accounts. For the first time, users can view, edit and batch upload/download iCloud photos, messages, contacts, etc. with simple drag-and-drop, remove private info, or even move sensitive data to another confidential iCloud account.

LOS ANGELES, Calif., Feb. 17, 2017 (SEND2PRESS NEWSWIRE) -- Utelogy 2.0, the latest release from Utelogy Corporation, was selected as an AVTechnology "Best of Show" status at Integrated Systems Europe 2017 convention in Amsterdam this past week. Utelogy is a leader in Software-Defined audiovisual (SDAV) technology.

SAN DIEGO, Calif., Feb. 16, 2017 (SEND2PRESS NEWSWIRE) -- ReverseVision, the leading provider of software and technology for the reverse mortgage industry, today announced that Vice President of Professional Services Jeff Birdsell, CMB, has been selected as one of Mortgage Professional America (MPA) magazine's 2017 Hot 100. Birdsell was recognized for his significant contributions to the reverse mortgage industry over a career that has spanned 25 years.

LOS ANGELES, Calif., Feb. 16, 2017 (SEND2PRESS NEWSWIRE) -- PrimoSync Inc., a leading provider of iOS utility software, today released its new iOS data recovery software: Primo iPhone Data Recovery. Specially designed for the latest iOS 10 and iPhone 7/7 Plus users, it helps retrieve up to 25 types of mis-deleted, damaged or lost data from your iPhone, iPad and iPod touch. It also offers 3 reliable ways to ensure a maximum recovery rate: Recover from iOS Device, iTunes Backup and iCloud Backup.

SAN FRANCISCO, Calif. and NEW YORK, N.Y., Feb. 15, 2017 (SEND2PRESS NEWSWIRE) -- Wholesale Trading Insurance Services, LLC (WTIS) announced today that industry veteran Chris Kiley has joined the firm as Managing Director/Property Broker. WTIS is a privately-held wholesale insurance broker created and managed by industry veterans whose goal is to better align the business interests of the retail broker, the wholesaler and insurance carriers.

PEARBLOSSOM, Calif., Feb. 15, 2017 (SEND2PRESS NEWSWIRE) -- In the scenic hills of Pearblossom, lives a craftswoman named Lynn Hollywood who makes art for horses by creating beautiful, 100-percent Mohair cinches and breast collars at her grassroots company, The Wildflower Ranch(TM).

SAN FRANCISCO, Calif., Feb. 14, 2017 (SEND2PRESS NEWSWIRE) -- In San Francisco on February 27, 2017 the Ministry of Agriculture, Forestry and Fisheries, Japan will hold briefing sessions and exchange meetings aimed at promoting understanding of this system and expanding the number of supporter store certifications for restaurants and retail stores, Japan Products Promotions announced today.

FREMONT, Calif., Feb. 14, 2017 (SEND2PRESS NEWSWIRE) -- EGW Publishing, established 1979, is proud to announce the release of its newest book, "Poets About Poetry: Interviews with Contemporary American Poets" by H. Philip Hsieh. 14 renowned poets, including four Poets Laureate of the United States, a Nobel Prize winner (chemistry), three Pulitzer Prize Winners and other prestigious poetry award recipients are presented in this book of interviews.

LOS ANGELES, Calif., Feb. 14, 2017 (SEND2PRESS NEWSWIRE) -- On March 9 and 10, 2017, MostFit will join more than 350 fitness equipment and technology exhibitors from around the world to network and meet with thousands of health club operators at the IHRSA Annual International Trade Show and Convention in Los Angeles.

LOS ANGELES, Calif., Feb. 13, 2017 (SEND2PRESS NEWSWIRE) -- Uproar Entertainment is excited to announce the release of "Live From Las Vegas" by Alex Elkin. Comedian Alex Elkin has a comedy style that is unique and true to himself. He is unapologetic, says what he thinks, delivers the unexpected, and knows what funny is.

SAN FRANCISCO, Calif. and NEW YORK, N.Y., Feb. 9, 2017 (SEND2PRESS NEWSWIRE) -- EPIC Insurance Brokers and Consultants, a retail property, casualty insurance brokerage and employee benefits consultant, announced today that Bill Cosgrove, Managing Principal & Practice Leader, EPIC Financial Risk Solutions, will moderate a panel on Small and Medium Enterprise (SME) exposures at Advisen's Cyber Risk Insights Conference on Wed., Feb. 15 in San Francisco.

IRVINE, Calif., Feb. 9, 2017 (SEND2PRESS NEWSWIRE) -- 5 BARS(R), a premier provider of wireless solutions, set a new record for any single-day wireless data usage event on the Wi-Fi system installed and operating at NRG Stadium. During Super Bowl LI, the Wi-Fi system recorded data usage of 12.2 TB, exceeding last year's record from Levi Stadium.

LOS ANGELES, Calif., Feb. 9, 2017 (SEND2PRESS NEWSWIRE) -- Utelogy has been selected as an AVNation 2016 award winner. Utelogy was nominated in three of the four product categories and was voted winner of the unique "Saved My Bacon" award. The awards were announced at the AV industry's largest conference Integrated Systems Europe 2017 in Amsterdam this week.

SAN FRANCISCO, Calif., Feb. 8, 2017 (SEND2PRESS NEWSWIRE) -- Qualia, the fastest growing provider of title settlement software, announced it has completed an integration with Stewart, a leading provider of title insurance. Through the integration with Stewart Access, title agents will be able to obtain Stewart rate information, create title policy jackets and issue Closing Protection Letters (CPLs) directly within Qualia.

SAN FRANCISCO, Calif., Feb. 7, 2017 (SEND2PRESS NEWSWIRE) -- EPIC Insurance Brokers and Consultants, a retail property, casualty insurance brokerage and employee benefits consultant, announced today that risk management and insurance professional Doug Bull has joined the firm's Construction and Design Solutions team in San Francisco as a vice president.

IRVINE, Calif., Feb. 6, 2017 (SEND2PRESS NEWSWIRE) -- 5 BARS(R), a premier provider of wireless master plans and marketing agreements for cities and municipalities across the United States, announced today an agreement to develop a Wireless Master Plan for the City of Twentynine Palms.

SAN DIEGO, Calif., Feb. 3, 2017 (SEND2PRESS NEWSWIRE) -- Bank of Southern California, N.A. (OTC Pink: BCAL / OTCMKTS:BCAL) announced that Tony DiVita has been promoted to the role of Executive Vice President, Chief Banking Officer. In his expanded role, he will continue to oversee new business origination and customer retention efforts, the Small Business Administration (SBA) Group, and bank marketing.

LOS ANGELES, Calif., Feb. 6, 2017 (SEND2PRESS NEWSWIRE) -- Coach Michael "Mike" Miller has been recognized by the California Basketball Association for being the first coach in California history to win State Titles at the high school and Community College levels announced the California Basketball Association.

SAN FRANCISCO, Calif. and IRVINE, Calif., Feb. 2, 2017 (SEND2PRESS NEWSWIRE) -- EPIC Insurance Brokers and Consultants, a retail property & casualty insurance brokerage and employee benefits consultant, announced today it has acquired Benefit Compass Insurance Services, LLC, a specialist in employee benefits brokerage and consulting services.

SAN FRANCISCO, Calif. and SACRAMENTO, Calif., Feb. 1, 2017 (SEND2PRESS NEWSWIRE) -- EPIC Insurance Brokers & Consultants, a retail property & casualty brokerage and employee benefits consultant, announced today that Bill Bergstrom has joined the firm to lead the operations and growth initiatives of its Golf Insurance Services Program, which has provided insurance and risk management solutions to golf courses and country clubs since 1985.

SANTA CLARA, Calif., Feb. 1, 2017 (SEND2PRESS NEWSWIRE) -- SecuGen, a world leading optical fingerprint device and technology vendor, is pleased to announce that they will showcase the UN20 Serial(TM) at RSA Conference 2017. The UN20 Serial(TM), a standalone, optical, OEM fingerprint sensor that is FAP 20 certified by the FBI.

TORRANCE, Calif., Jan. 27, 2017 (SEND2PRESS NEWSWIRE) -- DocMagic, Inc., the premier provider of fully-compliant loan document preparation, regulatory compliance and comprehensive eMortgage services, announced that president and CEO, Dominic Iannitti, was honored by HousingWire with its 2016 Vanguard Award, which recognizes top mortgage executives for professional accomplishments and for their positive impact on the industry at-large.

SANTA CLARA, Calif., Jan. 30, 2017 (SEND2PRESS NEWSWIRE) -- SecuGen, a world leading optical fingerprint device and technology vendor, is pleased to announce that they will be demonstrating the UN20 Bluetooth, a Bluetooth enabled OEM fingerprint sensor that is FAP 20 certified, small, rugged, and affordable.

HOUSTON, Texas and IRVINE, Calif., Jan. 30, 2017 (SEND2PRESS NEWSWIRE) -- 5 BARS(R), a premier provider of wireless solutions, has positioned NRG Stadium as one of the most connected football stadiums today in time to support the biggest data-usage event in sports, next week’s Super Bowl LI. 5 Bars deployed a secure, reliable high density Wi-Fi network to support the heavy demand required by the team, venue and fans.

LOS ANGELES, Calif., Jan. 25, 2017 (SEND2PRESS NEWSWIRE) -- Uproar Entertainment is proud to announce that "Chillennial" by Feraz Ozel has debuted at #9 on The Billboard Comedy Chart in its first week of release. The Billboard Comedy Chart lists the week's top selling comedy albums ranked by sales data as compiled by Nielsen Music.

DANVILLE, Calif., Jan. 25, 2017 (SEND2PRESS NEWSWIRE) -- It was out of necessity that Tom Gore from Thomas Realty Pros learned to market his real estate business. His new website reflects that experience. Tom helps consumers find the best real estate agents with his newly created Real Estate and Paint networking platform. It started with Tom getting his real estate license right before the crash of 2008. That fact necessitated originality when it came to marketing his business.

LOS ANGELES, Calif., Jan. 24, 2017 (SEND2PRESS NEWSWIRE) -- Utelogy Corporation, creator of audio/visual control, management, and analytics software, announces Joey D'Angelo joins the company as Vice President of Engineering. D'Angelo will help drive Utelogy's growth velocity and product feature sets as the company continues on its mission to deliver true, non-proprietary Software-Defined AV solutions that can be virtualized or leveraged on any common data center and network infrastructure.

SAN FRANCISCO, Calif., Jan. 24, 2017 (SEND2PRESS NEWSWIRE) -- Qualia, the fastest growing provider of title settlement software, announced the release of its advanced reporting module. The reporting feature equips title and closing professionals with an easy-to-use and customizable tool to analyze revenue sources, business relationships and operational efficiency.

PALM SPRINGS, Calif., Jan. 24, 2017 (SEND2PRESS NEWSWIRE) -- Independent Mortgage Bankers Conference (IMBC) -- Mortgage Capital Trading, Inc. (MCT), a leading mortgage hedge advisory and secondary marketing technology firm, announced that its COO, Philip Rasori, will speak on a panel session on the subject of investor base optimization.

LOS ANGELES, Calif., Jan. 23, 2017 (SEND2PRESS NEWSWIRE) -- EPIC Insurance Brokers and Consultants, a retail property, casualty insurance brokerage and employee benefits consultant, announced today that Duane Dennis has joined the firm as a senior consultant and principal in the firm's Southern California Employee Benefits Consulting Practice.

PALM SPRINGS, Calif., Jan. 23, 2017 (SEND2PRESS NEWSWIRE) -- Independent Mortgage Bankers Conference - OpenClose(R) an enterprise-class, multi-channel loan origination system (LOS) provider, and Mortgage Capital Trading, Inc. (MCT), a leading mortgage hedge advisory and secondary marketing technology firm, jointly announced they developed an integration that eliminates manual intervention and streamlines the delivery of loan data to maximize hedging for lenders.

IRVINE, Calif., Jan. 23, 2017 (SEND2PRESS NEWSWIRE) -- 5 BARS(R) announced today the appointment of Monnie McGaffigan as president of the wireless solutions firm. 5 Bars is a premier provider of master wireless plans and marketing agreements for cities and municipalities across the United States.

SAN FRANCISCO, Calif., Jan. 23, 2017 (SEND2PRESS NEWSWIRE) -- Rebecca House Publishing and To Love Children Educational Foundation International Inc., a 501(c)(3), announces the release of "Jeremy and the Crow Nation" (ISBN 978-0945522058) by Tatiana Strelkoff. "Jeremy" is the second book in "The Changer Trilogy."

LOS ANGELES, Calif., Jan. 20, 2017 (SEND2PRESS NEWSWIRE) -- The annual Cursive is Cool(R) contests are presented by the Campaign for Cursive(R), a committee of the American Handwriting Analysis Foundation (AHAF) on National Handwriting Day. Each year, National Handwriting Day is celebrated on Jan. 23, the date associated with the birth of John Hancock.

SAN FRANCISCO, Calif., Jan. 20, 2017 (SEND2PRESS NEWSWIRE) -- EPIC Insurance Brokers and Consultants, a retail property, casualty insurance brokerage and employee benefits consultant, has been ranked #26 among the world's top insurance brokers in Finaccord's "Global Insurance Broking: A Strategic Review of the World's Top 150 Commercial Non-Life Insurance Brokers."

SAN DIEGO, Calif., Jan. 19, 2017 (SEND2PRESS NEWSWIRE) -- ReverseVision, Inc., the leading provider of software and technology for the reverse mortgage industry, today announced the promotion of Kelly Kelleher to the role of director of corporate marketing and events. In her new role, Kelleher will refine ReverseVision's brand identity to ensure it resonates with an evolving reverse mortgage marketplace.

SAN FRANCISCO, Calif., Jan. 18, 2017 (SEND2PRESS NEWSWIRE) -- EPIC Insurance Brokers and Consultants, a retail property, casualty insurance brokerage and employee benefits consultant, announced today that senior consultant and principal Rosemary Manning Hughes will present at the 2017 Health & Welfare Compliance Update put on by the New York Metro Area Chapter of the International Society of Certified Employee Benefit Specialists (ISCEBS) on Wednesday, Jan. 25 at 8:45 a.m. at BDO, 100 Park Ave., 11th Floor in New York, N.Y.

SAN DIEGO, Calif., Jan. 18, 2017 (SEND2PRESS NEWSWIRE) -- Mortgage Capital Trading, Inc. (MCT), an industry leading hedge advisory firm and developer of MCTlive!(TM), the award-winning secondary marketing software suite, announced that its chief administrative officer, Chris Anderson, has been honored by National Mortgage Professional (NMP) magazine's 2016 on its "Top 40 Most Influential Mortgage Professionals Under 40 List."

LOS ANGELES, Calif., Jan. 18, 2017 (SEND2PRESS NEWSWIRE) -- Long time LACC basketball coach Michael Miller is hosting his own live TV show "Time Out with Coach Miller." Coach Michael "Mike" Miller who broke numerous national records as head basketball coach at Los Angeles City College (LACC) is tearing it up in the world of live television with his new show "Time Out with Coach Miller" seen live twice a month.

CORTE MADERA, Calif., Jan. 18, 2017 (SEND2PRESS NEWSWIRE) -- Dr. Don Harte, noted chiropractic activist and former Libertarian State Senate candidate, condemns the new "children's rights" bill, SB18, as "a vicious attack upon children, the family and individual liberty. It's a forced drumming up of the medical business, that is nothing short of medical Nazism."

VALLEY VILLAGE, Calif., Jan. 17, 2017 (SEND2PRESS NEWSWIRE) -- Bernie and Edy Oseransky and Long Wong and Tot Nguyen are proud to announce the marriage of their children Thomas "Tom" Oseransky and Christy "Ha Huynh" Wong on Saturday, October 1, 2016. The ceremony took place at Nativity Church of El Monte. Father Joseph presided.

SAN DIEGO, Calif., Jan. 17, 2017 (SEND2PRESS NEWSWIRE) -- ReverseVision Inc., the leading provider of software and technology for the reverse mortgage industry, has teamed up with the San Diego Food Bank to help local residents in need. The Jacobs & Cushman San Diego Food Bank is the largest hunger-relief organization in San Diego County.

SAN FRANCISCO, Calif., Jan. 13, 2017 (SEND2PRESS NEWSWIRE) -- EPIC Insurance Brokers and Consultants, a retail property, casualty insurance brokerage and employee benefits consultant, announced today that its Managing Principal & Practice Leader - Financial Risk Solutions, Bill Cosgrove will speak at the Cap-Intro West Conference on January 19 at the Hyatt Regency in San Francisco, Calif. in the Main Hall - Pacific Level.

LOS ANGELES, Calif., Jan. 13, 2017 (SEND2PRESS NEWSWIRE) -- Feraz Ozel, a "brown" comedian, is a light-hearted performer driven by passion, and intelligence, says Uproar Entertainment. His is a diverse and energetic brand of insightful comedy that connects with people from all walks of life. He prides himself on putting on a show that will make you laugh till it hurts, think about a few new things, and remember that regardless of our vast differences, we can all come together for a night of comedy.