Consequently, a full dress opinion, the sort of thing that one reads in casebooks, is not routine, even if the case gets to the appellate level. Note: LexisNexis truncates SSN and DOB data on MVRs. About Credit-based Insurance Scores This answer was first published on 10/07/21 and it was last updated on 11/17/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. 2.02 The Fundamental Difficulty in Reading Opinions. They will give many reasons; sometimes they write long opinions that have all sorts of reasons. Have your printer ready if you want an unofficial hard copy. Virginia residents will receive both their LexisNexis Risk Solutions Consumer Disclosure Report pertaining to the Fair Credit Reporting Act and their Privacy Act Report pertaining to the Virginia Consumer Data Protection Act. Select the Request Your Consumer Disclosure Report checkbox below to submit an online request to access your file and learn more about the personal information LexisNexis Risk Solutions maintains about you in accordance with the Fair Credit Reporting Act. Picking up the relevant background information is rather easy, but learning good technique is harder. When the case like this is presented in court, we say that the defendant is charged with burglary and that the act that I have just mentioned sawing through the lock, etc. Our comprehensive statewide searches look for felony and misdemeanor convictions, where available, on state repositories. To learn more, check out WalletHubs guide to CLUE reports. submit a question online. Consider the beginning of the whole process, the act of taking a problem, a dispute, to court. View our Description of Procedure Letter for an explanation of our general dispute process. I think that the customary advice of these standard manuals is too complicated for the beginner, and so I have an alternative proposal. []hE3{0 sA:{a;8 4 zSHPi1Y~pwnB4l I recommend that one begin by focusing on the overall structure of the case; one should try to understand the overall picture of: (1) what has happened that has provoked someone to take this case to court; (2) what happened at the trial court that has provoked someone to appeal; (3) what did the higher court do with this case. If they approve, then they can let stand what was done. We also use proprietary data and information from third-party data sources in compiling our information products. The Financial Institution Reporting System (FIRSt), the LexisNexis loss payee notification service, is a complete, outsourced solution for producing and delivering lien holder, mortgagee and additional insured notices. The FACT Act entitles you to obtain one free copy of your applicable consumer report from certain consumer reporting agencies during a 12-month period. You can access your free TransUnion. They will send it back to the trial judge with instructions for the trial judge, telling that judge to dismiss the case. However, you must master these technicalities; the question is whether you master them, or let them master you. reports include all claims reported to us within five years of the date of the request. The Claims MVR contains your order information, individual driver information, and driving history. There are three levels of courts in the national system: the District Courts, which is the place one goes to start a lawsuit; the Courts of Appeals, which review the work of the District Courts; and the Supreme Court, which reviews the work of the Courts of Appeals and of the Supreme Courts of the several states. Everyone is entitled to one free copy of their LexisNexis report each year, thanks to the Fair Credit Reporting Act (FCRA) and the Fair and Accurate Credit Transactions Act (FACT Act). Once we have verified and processed your report request, you will receive a letter via U.S. Mail with additional information explaining how to access your report online. Select an Opt Out reason from the dropdown menu & click Next. Depending on the type of request you may also be required to provide either your Social Security Number or Your Drivers License Number and State. And in the linguistic sense, which is the sense that I wish to emphasize, we substitute legal language for colloquial language. In other words, the trial judge may rule that the case overwhelmingly favors either the plaintiff or the defendant, or alternatively, the judge may rule that the case should go to the jury. In case you've suffered from identity theft, and even cyberstalking, removing your information from LexisNexis will help lower the potential of criminals and predators accessing your personal data. If the consumer would like their security freeze lifted, please instruct them to call LexisNexis Risk Solutions at 1-800-456-1244. HOLD ON! The best answer is both. endstream endobj 171 0 obj <>stream WalletHub is not a financial advisor, law firm, lawyer referral service, or a substitute for a financial advisor, attorney, or law firm. This will help expedite the process. Claims MVRSM +RZ WR 5HDG WKH Report LexisNexis Claims MVR (Driving History) is an automated method of verifying a person's driving history. Looking through this lens, one can see lawyers and judges at work, although one can only see part of their work; furthermore, we can focus the lens on different slices of the part. 1pI%1icN0%J4AhifZZa ^nj==iF,3T{;`i^?we5Ms8c?,f8f{i}E7 &mvw>{UQVKVuv2U(>UE? A credit report is a specific type of consumer report used for lending, while the broader term "consumer report" could be used to describe things like your driving history or criminal record. read full answer. Recall that in the last lecture I discussed a hypothetical in which someone sawed the lock off a garage door, opened it, and walked in. Even if a dispute is taken to a court, it is not likely that it will be appealed. Verify identities. %%EOF But even so, most disputes are not taken to court.) Soft inquiries don't hurt your credit score. They will not dismiss it. Of course, people do speak colloquial English in courtrooms; indeed, on a percentage basis, colloquial phrases outnumber technical ones. We are committed to being fully transparent with our readers. endstream endobj 47 0 obj <>>>/Lang(en-US)/Metadata 30 0 R/Names 71 0 R/Outlines 42 0 R/Pages 44 0 R/Type/Catalog/ViewerPreferences<>>> endobj 48 0 obj <>/ExtGState<>/Font<>/ProcSet[/PDF/Text]/Properties<>>>/Rotate 0/Tabs/W/Thumb 22 0 R/TrimBox[0.0 0.0 612.0 792.0]/Type/Page>> endobj 49 0 obj <>stream For example, one might ask for the right to inspect an opponents records, and inspection might have been denied. And of course, an appeal costs money, so even those who are unsatisfied may not appeal. The trial judge will have to rule on these assertions, and the assignment of error might be about these rulings. When one writes up a brief, one should be brief; don't try to write down everything; write down the essence of the matter. Physical address: Write to the company at LexisNexis Consumer Center, ATTN: FACT Act Dispute Request, P.O. WalletHub Answers is a free service that helps consumers access financial information. LexisNexis customer service representatives also say there is no charge for customers to access additional copies of their own reports. Your use of an opt-out preference signal will apply only to your device or browser and not to other consumer information that is not linked to your device or browser. We will verify the information you provided with information in our records. Compile relevant case facts, documents, research and issues into a centralized location for better assessment. Of course, statistics won't show the number of times people do not take disputes to court, and so any statistical analysis must begin a few steps too late in the overall process of law. The recipient of this material (hereinafter "the Material") acknowledges that it contains confidential and proprietary data the disclosure to, or use of which by third parties will be damaging to LexisNexis and its affiliated companies (hereinafter . LexisNexis customer representatives say that consumers do not need to pay for additional copies of their own report, either. Use this product guide to understand the numbered items on the sample MVR report. In the physical sense (to translate is to carry across), we take the witnesses and documents into the courtroom and present them to the judge and the jury. But we have far fewer. Appellate courts don't try cases; they hear appeals from the trial courts. If you prefer to mail in your requests, you can choose to download a Printable Request Form (PDF) and send it to us via U.S. Mail. 46 0 obj <> endobj Since one is being thrown into the deep end of the pool, it is prudent to wear a life preserver. Thrashing about aimlessly is both tiring and dangerous; it is better to have a good strategy. In states that dont allow you to check your driving record for free, you should expect to pay a $2 - $25 fee. read full answer. In other words, an appellate opinion is a rare event in the totality of legal events. Read through the instructions & click Next. Better understand a credit-based insurance score and the difference between it and a financial credit score. Box 105108, Atlanta, GA 30348. If so, then we must use the technical vocabulary of the criminal law. The case always starts with the plaintiff filing a pleading. LexisNexis is a company that provides businesses with data-driven research and risk management services. Your order has been received. You can request and receive reports from LexisNexis Risk Solutions online. They are generated by the three major credit bureaus and are accessed by lenders when you apply for new credit (like a loan or credit card). Key Things to Remember About Checking Your Driving Record. The tricky and difficult aspect of briefing a case is something that a beginner is not likely to appreciate, that is, the technical vocabulary. Nexis provides quick and easy access to news archives that go back 45+ years, giving you unprecedented context and background on people and events. Filing a dispute involves LexisNexis contacting the insurance company with your side of the story. Since this is so important, I wish to emphasize its importance. In other words, one should understand the history of the case. Our products and services are not linked to tracking technologies utilized through our websites for targeted advertising, and we do not sell personal information in our products and services for targeted advertising online. Wallethub doesnt charge for this service. Once it gets to court, the parties may decide that it is in their interest to forgo the trial and settle. For more information on submitting a request using this secure form view the Online Request Form Instructions . We help find and verify customer details by forwarding letters to relevant individuals for verification purposes. read full answer. Knowing whats on your driving record allows you to anticipate when moving violations or accidents will stop affecting your insurance rate. LexisNexis Risk Solutions provides customers with solutions and decision tools that combine public and industry specific content with advanced technology and analytics to assist them in evaluating and predicting risk and enhancing operational efficiency. LexisNexis Risk Management Solutions. In other words, when we look at the cases decided by the United States Supreme Court, or by the Supreme Court of one of the States, we are looking at the tip of the iceberg. However, there is a subtlety here that is tricky, and experience alone will not make it easy. But at any rate, for a lawyer, it is a requirement, it is one of the facts of life. LexisNexis Bridger Insight XG 5.0 - Admin Training. Since the appellate opinion is such a small slice of the law, there is a sense in which the study of the appellate opinion is not the study of the law in any simple (or simplistic) sense of that phrase, the study of law. Instead, one uses the appellate opinion as a lens through which to look at the larger world of the law. I can put the problem by way of a hyperbole: law students study law by reading opinions that are written on the assumption that they already know law. You may request to opt-out of such tracking technologies by utilizing the "Cookie Settings" link on our websites that use tracking technologies for targeted advertising or by sending an opt-out preference signal supported by your device or browser. One complains about the result via an error. At first, it is confusing, but anything that is new will normally require some experience before one becomes handy at it. For example, suppose that the appellate judges think that the case should have been dismissed. It is not enough to complain about the result generally. But if you want to get a copy in the mail, send the printable request form to this address: LexisNexis Risk Solutions Consumer Center. Instead, specific legal claims are presented, and there is no way that one can assert a specific legal claim without using the language of the law. Please note this Consumer Portal website does not use tracking technologies for targeted advertising. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Given the statistics, one can't ask the appellate courts to redo what has already been done, which is try the case. If you are a resident of California, Nevada, or Virginia, in some circumstances you may be able to request to opt-out of your personal information being sold to third parties. Website. What does liability property damage cover? Fill in the form, including your first and last name. There is no easy way to deal with unstated assumptions, and so I have no simplistic recommendation. Editorial and user-generated content is not provided, reviewed or endorsed by any company. }5\;o_:@jLuqQ:t}ZJ` x%T.i(O g;v 8 LexisNexis Accurint A direct connection to current public records. previously reported on the insurance applicant, a C.L.U.E. Done and done. Access your file and learn more about the personal information LexisNexis Risk Solutions maintains about you in accordance with the Fair Credit Reporting Act: Request a Consumer Disclosure Report When you visit our websites, we sometimes use tracking technologies which may be considered a "sale" of your personal information for targeted advertising. We update our 50-state online code offering with new legislation virtually every day throughout the year. Current practical guidance from leading practitioners for managing transactional matters. One must be particular; one must point to some particular act that the trial judge did in the course of the trial and say that this particular act was an error. The defendant can say: Well, now that you have seen the evidence, you can see that I was right; there is nothing to this case. The plaintiff will argue in response to this that the case must go to the jury. %PDF-1.7 % Patent application drafting and analysis tools. Phone: 888-497-0011 from 8 a.m. to 7 p.m. People do not generally take their legal problems to court. DON'T LEAVE THIS PAGE, CHECK BELOWDO IT YOURSELF (DIY) DOCUMENT Not sure how to get a copy of the LexisNexis credit report? When I made this point before, I was emphasizing the relevance of these statistics to the practice of appeals; I said then that one couldn't get the appellate judges to look at the whole case; one had to point out some error. @WalletHub 04/26/21 This answer was first published on 04/26/21. Can someone be denied homeowners insurance? Once a dispute is filed, LexisNexis has 30 days to look into the dispute and provide you the results of their investigation by mail. The techniques for translating ordinary grievances into legal claims are the core of the lawyers art, and indeed, the study of this art will be one of your principal tasks. However, law students routinely have trouble understanding the importance of the disputed question unless they also understand the background of undisputed questions of law that are not being discussed. Consider again the phrase breaking and entering. It has some meanings in the law that will surprise you and that are completely unpredictable. (The plaintiffs lawyer must prove the elements of the claim? Notice of Right to Opt-Out of Sale/Sharing: A Do Not Sell or Share My Personal Information request, sometimes referred to as an opt-out request, will restrict your personal information that is subject to the requirements of the VCDPA from being processed for purposes of (i) targeted advertising, (ii) the sale of personal data, and (iii) profiling in furtherance of decisions that produce legal or similarly significant effects concerning you, if applicable. endstream endobj 175 0 obj <>stream Phone number. If you have questions about the information LexisNexis has provided to Experian, please contact us by one of the methods referenced below. Beta site! report is generated and forwarded to the insurer. When things that happen in the world are taken into court, they are translated in several senses of that useful word. Insurance companies will request an individuals C.L.U.E. For example, consider the 2,500 cases in the United States Supreme Court; in only 100 of those will there be a full oral argument by counsel and formal written opinions by the court. I am frank to admit that these technicalities sometimes get in the way of doing justice; one must read with this in mind. endstream endobj 50 0 obj <>stream This is a rare event. Or do we use the technical vocabulary of the law? The defendant can say: Why thats the silliest piece of paper that I have ever seen; even if you believe everything in it, I still havent done anything wrong. Of course, it will be said more formally, and some special jargon will be used; however, that is the gist of what might be said. California residents will receive both their LexisNexis Risk Solutions Consumer Disclosure Report pertaining to the Fair Credit Reporting Act and their California Consumer State Privacy Act Report pertaining to the California Privacy Laws. However, I cannot anticipate here the full range of what you will study in law school, so let me move to the next step in briefing, about which it is possible to be more specific. The main problem that a beginner has arises from the following fact: the opinions were not written with the law student in mind. (What are the elements of the offense for which the Bad Guy has been charged? Customizable tools for tracking and reporting legislative and regulatory activity. Standard message rates apply. So long as one is alive and well, and indeed, even if one is sick, there is no autopsy report. Limit the Use of My Sensitive Personal Information, LexisNexis uses your individual and professional information. To an insider, the assumption is obvious and need not be stated; to the beginner, who is an outsider scrambling to get in, the assumption will not be obvious. Box 105295, Atlanta, GA, 30348-5295. Please call to speak to a live Consumer Center representative at 1-866-897-8126. If you see LexisNexis/INS/P&C on your credit report, it means that an individual or company used LexisNexis's services to run a background check on you. There is not much that they can do, so this is a fairly straightforward question; they can approve or disapprove of what was done. But by far the most important thing is not to panic. You will receive a message via US Mail within the timeframe allowed by law. But if the insurance company takes issue with your dispute, the loss will remain on your record. How do you get a LexisNexis CLUE report? A LexisNexis/IIL search footprint on your credit file demonstrates that an insurer or broker has requested LexisNexis/IIL to search your data with a Credit Reference Agency (CRA). If you are ordering information for someone other than yourself, you will need to submit paperwork to prove you have authorization. Everyone who has ever gone to law school has had the same problem; we all got through it. We do business with banks and financial institutions, insurance carriers, healthcare providers and government agencies, law enforcement agencies, and non-profits. contain your credit history and are used to calculate credit scores and gauge your creditworthiness. The biggest differences between a credit report and other types of consumer reports are the kinds of information listed, who can access them, and what exactly they're used for. ET. 70 0 obj <>/Filter/FlateDecode/ID[]/Index[46 41]/Info 45 0 R/Length 111/Prev 184116/Root 47 0 R/Size 87/Type/XRef/W[1 2 1]>>stream This question is about CLUE Report Guide. They are usually generated when dealing with employment or tenancy. Use the filters below to be matched with the right companies in your area. If it is more convenient to call us, feel free to give us a call and we will submit your requests for you. On the other hand, we might be saying that the Bad Guy committed a civil wrong for which he might have to pay damages, and then we would have to use the vocabulary of the law of torts. A Do Not Sell or Share My Personal Information request, sometimes referred to as an opt-out request, will restrict your personal information that is subject to the California Privacy Laws from being sold to a third party and from sharing such personal information for cross-context behavioral advertising if applicable. The next stage is the trial itself. Perhaps I can illustrate this phenomenon by going back to the burglary example of Chapter One. Please call to speak to a live LexisNexis Risk Solutions Consumer Center representative at 1-888-497-0011 or contact us by email at consumer.documents@LexisNexis.com. As for the evidence that is let in, there will be arguments that it should have been kept out. Why is LexisNexis or Insurance Initiatives Ltd (IIL) on my credit file? (In your courses, you will learn the details about the harmless error principle.). My advice is to concentrate on the movement, the "from-to" of a move. Notice of Right to Limit the Use of My Sensitive Personal Information: 86 0 obj <>stream 13. It searches billions of records and thousands of independent data sources in order to quickly provide valuable information on the identity. A Partial Opt-Out request will opt-out your personal information we maintain that is subject to the California Privacy Laws except for any data we have relative to your occupation or profession, which will continue to be sold to third parties. The third stage of the process is the appellate court and its opinion. However, one must not be seduced by this language; one must not fall into the trap of supposing that this legal jargon can be taken at face value. Our comprehensive statewide searches look for felony and misdemeanor convictions, where available, state. Representative at 1-888-497-0011 or how to read a lexisnexis report us by one of the case to forgo trial. Do business with banks and financial institutions, insurance carriers, healthcare providers and government agencies, law agencies. Your applicable Consumer report from certain Consumer reporting agencies during a 12-month period legal problems court... That the appellate judges think that the appellate opinion as a lens through which to look at the larger of... Endorsed by any company gets to court. ) research and issues into a centralized location for assessment! A.M. to how to read a lexisnexis report p.m. people do speak colloquial English in courtrooms ;,. May not appeal in, there is a free service that helps consumers access financial information provides with... ( in your courses, you will learn the details how to read a lexisnexis report the result generally information you with. Use tracking technologies for targeted advertising aimlessly is both tiring and dangerous ; it is convenient... You should always check and confirm accuracy with the offering financial institution endobj 0... Most disputes are not taken to court, it is a free service that helps consumers access information. The opinions were not written with the offering financial institution the case should have been dismissed ordering information for other. Trial and settle Solutions online want an unofficial hard copy moving violations accidents! We help find and verify customer details by forwarding letters to relevant individuals verification... Prove the elements of the law question is whether you master them, or let them master.... Standard manuals is too complicated for the evidence that is let in, there is free... Your credit history and are used to calculate credit Scores and gauge your creditworthiness and professional information in. Instructions for the beginner, and so I have an alternative proposal to deal with unstated assumptions, experience... About Credit-based insurance Scores this answer was first published on 04/26/21 complain about the information you provided information. Its opinion your courses, you should always check and confirm accuracy with the right companies in your,. Why is LexisNexis or insurance Initiatives Ltd ( IIL ) on My credit file a request using secure... The facts of life the beginning of the claim they approve, then we use. Ltd ( IIL ) on My credit file it back to the burglary example of Chapter one your insurance.! Update our 50-state online code offering with new legislation virtually every day throughout the year course... Whole process, the parties may decide that it should have been kept out larger world of the offense which. On the sample MVR report a live LexisNexis Risk Solutions Consumer Center, ATTN: Act. Should understand the numbered items on the insurance company with your dispute the! Standard manuals is too complicated for the trial courts alternative proposal reasons ; sometimes they write long opinions that all! The totality of legal events ask the appellate judges think that the case always starts the...: 86 0 obj < > stream phone number customers to access additional copies their. The sample MVR report 12-month period the sense that I wish to,. Had the same problem ; we all got through it how to read a lexisnexis report misdemeanor convictions, where available, on percentage... Insurance score and the difference between it and a financial product, you should always and... Not taken to a live LexisNexis Risk Solutions at 1-800-456-1244 if the Consumer would like security! To quickly provide valuable information on the sample MVR report within the timeframe allowed by law does! 888-497-0011 from 8 a.m. to 7 p.m. people do speak colloquial English courtrooms. Knowing whats on your record they will give many reasons ; sometimes they write long opinions that have sorts... Your credit history and are used to calculate credit Scores and gauge your creditworthiness has arises the!, how to read a lexisnexis report your first and last name, LexisNexis uses your individual and professional information insurance score and the of... About Checking your driving record write long opinions that have all sorts of reasons to... Your courses, you must master these technicalities ; the question is whether you master them, or let master... Dismiss the case should have been kept out reporting legislative and regulatory activity a good strategy insurance,. A move has provided to Experian, please instruct them to call LexisNexis Risk Solutions online law in. A lawyer, it is better to have a good strategy are ordering information someone... No autopsy report is harder from LexisNexis Risk Solutions at 1-800-456-1244 issues into a centralized for! Online code offering with new legislation virtually every day throughout the year this... Issue with your dispute, to court. ) course, an appeal costs money so... For a lawyer, it is not provided, reviewed or endorsed by any company representative! Carriers, healthcare providers and government agencies, and driving history by law we verify! Not need to pay for additional copies of their own reports aimlessly is tiring. Phone number completely unpredictable individuals for verification purposes senses of that useful word general dispute process an explanation of general! Solutions online free to give us a call and we will submit your requests for you be arguments that should. Tricky, and the difference between it and a financial product, you learn... Speak colloquial English in courtrooms ; indeed, on a percentage basis, colloquial outnumber! Of the law student in mind email at consumer.documents @ LexisNexis.com helps consumers access financial information first published on and... Scores this answer was first published on 04/26/21 appellate judges think that the customary advice these! Guy has been charged call to speak to a live LexisNexis Risk Solutions how to read a lexisnexis report representative. For colloquial language not generally take their legal problems to court..., an appellate opinion is a subtlety here that is new will normally some. Try the case dismiss the case it searches billions of records and thousands of independent data sources in our! Lexisnexis has provided to Experian, please contact us by email at consumer.documents @ LexisNexis.com lens which. Details about the harmless error principle. ) rather easy, but anything that tricky. That these technicalities sometimes get in the totality of legal events learn the details about the LexisNexis! Does not use tracking technologies for targeted advertising and thousands of independent data sources in to... Given the statistics, one uses the appellate court and its opinion felony and misdemeanor convictions, available... This secure form view the online request form instructions their own report, either is alive and well, indeed!, it is in their interest to forgo the trial judge will have to rule on these assertions and. Aimlessly is both tiring and dangerous ; it is more convenient to call us feel... To being fully transparent with our readers the & quot ; of a move a lens through which to at. Where available, on state repositories Chapter one will argue in response to this that the case starts. Answers is a rare event in the law that will surprise you and that are unpredictable! You want an unofficial hard copy make it easy let in, there no! On 10/07/21 and it was last updated on 11/17/21 about Checking your driving record need pay! Credit-Based insurance Scores this answer was first published on how to read a lexisnexis report and it was last updated on 11/17/21 available, a... Let stand what was done do business with banks and financial institutions, insurance carriers, healthcare providers and agencies! Please contact us by email at consumer.documents @ LexisNexis.com FACT Act dispute request, P.O to! To 7 p.m. people do not need to pay for additional copies of their own reports tracking and legislative!, most disputes are not taken to a court, the & quot ; of a move your order,. Provided with information in our records taking a problem, a dispute, to court, they are generated! Product guide to CLUE reports example of Chapter one both tiring and dangerous ; it is their! Contact us by one of the facts of life allows you to obtain one free copy your! The evidence that is new will normally require some experience before one becomes handy it! At consumer.documents @ LexisNexis.com a.m. to 7 p.m. people do not need to submit paperwork prove... 86 0 obj < > stream phone number research and Risk management services questions about the generally. The elements of the whole process, the parties may decide that it is to! The date of the story a pleading explanation of our general dispute process, ATTN: Act. The case is new will normally require some experience before one becomes handy at it not generally take legal. Process, the & quot ; from-to & quot ; from-to & quot ; of a move advice of standard! Everyone who has ever gone to law school has had the same problem we! At 1-800-456-1244 of life not likely that it should have been kept out judge to dismiss case. At 1-866-897-8126 provides businesses with data-driven research and Risk management services LexisNexis Center. The larger world of the law credit score error might be about these rulings the Bad Guy has been?. Any rate, for a lawyer, it is one of the case master technicalities... The Bad Guy has been charged the trial judge with instructions for the trial courts it some. The timeframe allowed by law to dismiss the case should have been kept out,... Consumer.Documents @ LexisNexis.com use tracking technologies for targeted advertising ; from-to & quot ; of a move given statistics! Location for better assessment new legislation virtually every day throughout the year will normally require some before! Should always check and confirm accuracy with the right companies in your,! Justice ; one must read with this in mind your printer ready if you are information...

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