Investment Apps and Websites

Cogni Review: Why Makes This Digital Bank Worth It

This Cogni review will provide you all the essential information that while this digital banking platform is new, it’s worth it.

Cogni Review: Why Makes This Digital Bank Worth It

Digital banking is becoming the norm. More and more people prefer using it or making financial transactions using digital banks as compared to traditional ones.

In fact, according to the “Global Digital Banking Platform Market By Component (Solution and Services), By Deployment Type (On-premise and Cloud), By Type (Retail Banking and Corporate Banking), By Banking Mode (Online Banking and Mobile Banking), By Region, Industry Analysis and Forecast, 2020-2026report, the “Global Digital Banking Platform Market is expected to reach $9 billion by 2026, rising at a market growth of 16% CAGR during the forecast period.”

Meanwhile, according to Statista report, the share of the population using digital banking in the United States alone in 2018 has reached about 61%, while it is projected to rise even more to 65.3% by the year 2022.

These reports only show that digital banking is set to continue growing as the years go by. With the unexpected turn of events in the current year wherein people are restricted to go out of their homes and rely so much on anything digital, it won’t be surprising if the numbers grow bigger.


As mentioned, a lot of people are becoming so into online banking, which is not surprising given the fact that it is very convenient, safe, and very accessible.

These days, there are actually a lot of digital banks to choose from already. With so many options out there, selecting one can get really tough.

One of the many digital banking options out there is Cogni.

Today, as mentioned earlier, we are going to do a Cogni review. We are going to provide you the essential information you need to see if this digital banking platform is the right one for you.

In particular, we are going to talk about the following:

  • What is Cogni?
  • What are the features of Cogni?
  • Where to use Cogni?
  • How does Cogni work?
  • What are the benefits of using Cogni?
  • What are the downsides of using Cogni?
  • Is Cogni safe?


When you are looking for a digital banking partner, it is important to get to know the bank first. Do not just go with the status quo.

It is important to research your options so you can choose what’s best for you — your needs and preferences. Getting to know more about the institution or the bank will also help you build your trust and confidence in it. After all, you are going to entrust your hard-earned money to them, right?

The safety and security of your money (and your personal information) are very important especially when you are opting for digital banking.

Before we proceed, if digital banking is new to you, below is a very informative video by Project Management. It will help you know and understand better what this type of banking is all about.

Anyway, so what is Cogni all about?

As compared to other similar online banking platforms out there, Cogni is very new in the market.

This digital banking platform is in fact, was only launched this 2020.

While there are a lot of other digital banking platforms out there already, why would you consider Cogni over them?

According to the company, they established Cogni aiming to complement a user’s finances with a straightforward account, and the music to our ears, with no hidden fees.

This digital banking platform’s goal is to connect their members’ banking with their lifestyles. Furthermore, they hope to evolve with their members as their needs change. Over time, they aim to combine banking, commerce, as well as lifestyle in just a single platform.

Primarily, the marketing of the company aimed at the transparency and practicality of their Visa Debit Card, with no additional fees. But, the company actually does offer other services as well, which include convenient, cost-free bank transfers and ‘single-use’ virtual cards.

Currently, Cogni has over $6 million in funding. Needless to say, it has support from big-name financial institutions such as Barclays who owns 2% of this digital banking platform.

Furthermore, this digital banking platform supports the use of Samsung Pay, Apple Pay, and Google Pay.

Cogni has two offices including one in New York City.


If there’s one thing that Cogni promises its members that would be that it will be their “all-access pass to digital banking”.

In this section of our Cogni review, we are going to talk about the different features that this digital banking platform offer, which include the following:

Checking Account

Cogni’s primary product is its checking account. What makes it particularly stand out as compared to other checking accounts of digital banks out there is that apart from the fact that you can easily open an account in just 3 to 5 minutes, it does not require a minimum deposit amount. It does not even go through credit checks, which makes it even more attractive to all types of consumers.

With your account comes the following perks:

  • Digital Card – You can easily move funds into your account, and access the money immediately — as you need it — without any hassle.
  • No ATM Fees – It doesn’t matter where you are in the world. Cogni does not charge ATM fees, which means you can withdraw money in all 55,000 Allpoint ATMs without having to worry about charges.
  • Complete Account Details – With your Cogni app, you get a complete view of your balance, recent amount activity, as well as monthly statements, and card spendings. Everything in one place.

Cogni Pay

Another feature that we like about Cogni is Cogni Pay, which allows you to receive money from another account, and the money gets available immediately.

So, no need to worry about covering for a friend’s needs. They can easily pay you anyway.

Along with the Cogni Pay features comes the following perks as well:

  • Direct Deposit – With your Cogni account, you can set up direct deposit by sharing your account information as well as your routing number with your employer. That way you can easily receive your hard-earned money. By the way, you can do this through the app.
  • Easy Bank Transfers – With Cogni, you can easily transfer money from other banks into your Cogni account. You can do this free of charge. Again, all you need is your account information and routing number.
  • Deposit Worldwide with Visa ReadyLink – Unlike other digital banking platforms, with Cogni, you can deposit money to your account regardless of where you are in the world as long as there is a store with Visa ReadyLink. Your money gets available in just as little as 30 minutes!

Cogni Visa Card

To make your banking more effortless, along with your Cogni accounts comes a Cogni Visa Card.

Your Cogni Visa Card can be used not just to withdraw money but as well as in-store purchases.

But wait, there’s more!

Cogni also offers a single-use card, which you can generate for extra security or a risk-free trial.

Anyway, the Cogni Debit Card is issued by the Community Federal Savings Bank.

Apple Pay, Google Pay, and Samsung Pay Compatibility

Another notable feature that Cogni digital bank offers is that it is compatible with all your favorite person-to-person payment apps such as Apple Pay, Google Pay, and Samsung Pay.

ACH Bank Transfers

Cogni supports bill pay and bank-to-bank transfers making it easier for you to move your money.

Physical Checks

While it’s an all-digital bank, Cogni recognizes the fact that there are things that still need the traditional way of banking. Thus, the bank also offers checks.

If you need one, all you need is to request and they will send one right to your doorstep.

“Just-in-case” Protection

In case you misplace or lost your Cogni Visa Card, Cogni provides you a freeze and unfreeze feature. This allows you to secure your account to avoid unfortunate cases.

Customized Alerts

Cogni allows you to choose your own push notifications. That way, you only get to receive alerts that are relevant to you.

With Cogni app, you stay updated on your account’s activities. Needless to say, you are alerted of potential fraud all days and times of the week.

256-bit Encryption

To ensure your account’s safety and security, Cogni uses 256-bit encryption.

FDIC Insured

Of course, to complete the amazing features offered by Cogni, they are FDIC-insured as well, which means all Cogni checking accounts are protected for up to $250,000.


As we have mentioned in the previous sections, Cogni is just new in the market. Thus, it is not surprising if Cogni is only available at the moment to customers in the United States.

But, who knows!? Maybe in a few years’ time, they will eventually expand their coverage and reach other countries as well.


In the last three sections, we talked about what Cogni is all about, its features, and where it’s available for use.

This time in our Cogni review, we’ll talk about how it actually works.

First of all, Cogni is an app-only banking service, which means, you need to download the app to take full advantage of what Cogni has to offer.

Unfortunately, Cogni is currently available only through the App Store, which means iPad and iPhone users may download it to their device free of charge.

Once the Cogni app is downloaded to your Apple device, an identification process is required to be able to open an account. In this process, you will be asked to input basic personal information similar to other apps of the same level or type.

Once done, your account will be made life automatically. Also, your tap to pay Visa card will be sent to you.

Please take note that as soon as your account is approved, which only takes a few minutes, you can immediately use your account with any transaction.

By using the Cogni app, users can perform instant fund transfers to other Cogni accounts. They can also deposit cash into their account through Visa ReadyLink locations, as well as create checks using the digital checkbook service on the app.

What’s nice about Cogni is that you do not necessarily need to wait for your physical card to make transactions. This digital banking platforms offer a virtual card, which you can use in making payments.

Furthermore, you can also create one-off cards for your online shopping.

Once your physical card arrives, you can use it in your in-store transactions as well as in withdrawing cash across all 55,000 Allpoint ATMs.

As you can see, how Cogni works is pretty simple and easy, making your banking experience a total breeze.


As we always do when reviewing a bank — whether it be a traditional one or in this case, a digital bank — we always see to it to take note of both the pros and cons.

By doing so, we get to help you gauge the compatibility of the bank to you based on your preferences.

So, as usual, Cogni, just like any other banks of the same kind does its share of benefits and downsides as well.

In this section, though, we are going to focus particularly on the good sides of the bank.

Some of the benefits of using Cogni that we found are as follows:

  • Trusted By Large-Scale Businesses – Cogni may be a start-up, but, with the considerable amount of support it is getting especially from big companies, it only goes to show that it is a financial institution that can be trusted with your hard-earned money.
  • Zero Fees – One of the best parts of being a Cogni account holder is that you get to free yourself up from paying fees and charges, which is honestly financially exhausting sometimes. With Cogni, you do not have to worry about cash withdrawals and transfer fees, and other usual fees charged by digital banks.
  • Physical Checks – While some digital banking platforms have totally forgone traditional checks, Cogni believes that there are still transactions that require a physical check, thus, you can request one if you need it.
  • Visa Card – While Cogni allows you to make online transactions regardless of the availability of the card, it does provide a Visa debit card as well. This allows you to make in-store transactions as well as withdraw money from Allpoint ATMs.
  • Direct Deposit – Cogni supports direct deposit allowing you to receive your salary through it by simply sharing your account information as well as routing number to your employer.
  • Visa ReadyLink Deposits – Unlike other digital banks out there, Cogni allows its users to deposit cash through Visa ReadyLink locations worldwide. Needless to say, funds are credited in as little as 30 minutes
  • Person-to-Person Payment Apps Compatibility – Another thing to like about Cogni is that it is compatible with person-to-person payment apps, which include Apple Pay, Google Pay, and Samsung Pay.
  • Customized Alerts – With the Cogni app, you can customize alerts based on your needs and preferences.
  • 256-bit Encryption – With its 256-bit encryption, users are ensured of enterprise-level banking protection.
  • FDIC-Insured – All Cogni checking account holders are protected because Cogni is FDIC-insured, which means all accounts are covered for up to $250,000 in the event that the bank fails.


There is no such thing as a perfect bank, all the more with digital banks.

While Cogni has several features that we like, we also found a few downsides, and these are:

  • Limited to the US – Unfortunately, Cogni is only available in the United States. Although, for sure they have expansion plans in the future. For now, though, interested customers from other parts of the world will have to wait.
  • Incomplete Website – Cogni is very new, so, we thought it’s very understandable that there are still things being worked out. One example is their website, which while already running is still incomplete.

Overall, we have to say that the downsides are related to the bank’s very new status. Remember that Cogni was just launched early this year. So, probably, it’s best to check it out again in the next few months.


Of course, this Corgni review will not be complete if we not going to answer one of the most important questions – is it safe to use Cogni?

Well, the answer to that is yes, Cogni is safe for two very evident reasons:

First, Cogni, as we have mentioned earlier uses 256-bit encryption, which, according to Techpedia is “a data/file encryption technique that uses a 256-bit key to encrypt and decrypt data or files“. This is one of the most secure encryption methods out there and is mostly used by digital banks to keep all their members’ accounts secured and safe.

Second, Cogni is safe because it is insured under the Federal Deposit Insurance Corporation (FDIC). As you know by now, all FDIC insured account under Cogni is protected for up to $250,000 should an unfortunate thing happens to the bank.

With these two in place, account holders are ensured that their money and their personal information are protected, safe, and secured.


Cogni is a digital banking service based in the United States that was designed to offer a people-driven service.

While it has a lot of good features, we particularly like the fact that it provides a bank-level service sans additional costs or fees.

Similar to other banks of the same level, Cogni offers effective, flexible, as well as very convenient payment and fund transfer options.

Are you looking for a reliable digital banking partner that is free of commonly-charged fees? If your answer is yes, then perhaps Cogni is the one you are looking for.

We hope that through this Cogni review we were able to convince you that this digital banking platform is worth a try.

Investment Apps and Websites

MoneyLion Review: What Makes It Your Perfect Online Banking Choice

This MoneyLion review will provide you essential information to be able to gauge if this digital banking platform is your perfect choice.

MoneyLion Review: What Makes It Your Perfect Online Banking Choice

When you search online, you will find a lot of different versions of the definition of digital banking. But, to put things simply, digital banking refers to the digitization of all traditional banking activities as well as program services.

All these banking activities and services are offered and delivered over the internet or online instead of how traditional banking does it.

Thanks to the birth of technology and the internet, digital banking became possible.

Although traditional banks still exist, over the years, more and more digital banks are opening up, which is not surprising given the fact that people prefer anything that is more convenient, but safe and secure at the same time – which is precisely what digital banking offers.


Based on data published online by the Statista Research Department, about 61% of Americans used digital banking in 2018, and the number is expected to increase to 65.3% by 2022.

This data goes to show that indeed digital banks have changed the way people do banking – and that is a good thing!

As mentioned, there are a lot of digital banks out there. Too many choices, in fact, that it can be very challenging to choose the right one.

Of all the options available, MoneyLion is one of them – and today, we are going to do a review about this digital banking platform to help you decipher if this is the one you are looking for.

To help you out, in this MoneyLion review, we are going to provide you answers particularly on the following commonly asked questions about this digital bank:

  • What is MoneyLion?
  • How does MoneyLion work?
  • What does MoneyLion offer?
  • Are there any fees and charges?
  • How to open an account with MoneyLion?
  • What are the benefits of using MoneyLion?
  • What are the downsides of using MoneyLion?
  • Is MoneyLion safe?


Before we even go into deeper details about MoneyLion and what the bank offers, let us first and foremost, know what the bank is all about.

MoneyLion was founded in 2013 and is a mobile banking platform that offers financial services.

Unlike other online banks, this New York-formed digital banking platform offers a membership program, which comes with various products and services such as online banking services, credit-builder loans of up to $1,000, interest-free cash advances, managed investing, cashback rewards, as well as financial tracking and education.

What makes MoneyLion set apart from other digital banking platforms is that it breaks down traditional barriers to financial health. More so, it provides financial access to hardworking American people, helping them control their hard-earned money, at the same time, reach their goals financially.

Furthermore, MoneyLion is can increase a 360-degree view of its customers’ personal finances as well as deliver one of a kind, personalized advice and underwriting by taking advantage of superior analytics, artificial intelligence, as well as machine learning technologies.

Since its inception, MoneyLion has already gained over 6 million users. On top of that are various awards and recognitions received for providing excellent banking products and services.

Some of MoneyLion’s awards and recognitions received include the 2020 Forbes Fintech 50, Webby Awards 2019 People’s Voice Award, Finovate Award for Best Digital Bank 2019, and the Benzinga Fintech Awards (winner for Innovation in Personal Finance 2019).

Although formed in New York City, MoneyLion is currently based in Sandy, Utah, and has other offices in New York, San Franciso, as well as in Kuala Lumpur.

MoneyLion’s checking and debit card are issued by Lincoln Savings Bank, a member of the FDIC.


MoneyLion is a one-stop online banking platform. It offers various banking products and services — from personalized financial advice to wealth management information, loan access, as well as credit-building and monitoring services, and different other financial tools and services.

What makes MoneyLion set apart from its competitors is that all its services are available in just one place. Apart from that, they all work together to help maximize the client’s financial status.

As a user, you can choose the kind of services that you think will work best for you, and then sign up as needed.

Now, to be able to use MoneyLion’s services, users must sign up to have a MoneyLion account.

The creation of a MoneyLion account is free. More so, you have the option to choose to add other free services that work for you like Instacash advances, or you may opt for paid services like the Credit Builder Plus.

Credit Builder Plus costs $19.99 per month. It includes services like credit monitory, credit builder loan, as well as provides access to other services.

To be able to register with MoneyLion, one must be at least 18 years old, and must also have an existing bank account. Once done creating an account, the user immediately gets access to different MoneyLion’s services.


In this section, we are going to talk about what MoneyLion offers to the consumers.

If there is one thing that this digital banking platform believes — that would be that consumers must have access to various financial products like loans with little or no fees at all.

MoneyLion offers a variety of products and services, which include:

  • Credit Builder Plus
  • Smart Mobile Banking
  • Cash Advances
  • Cash Back Rewards
  • Personalized Financial Tracking & Education
  • Managed Investing

Credit Builder Plus

Credit Builder Plus is a paid service of MoneyLion. It is a membership, credit-building plan.

Credit Builder Plus, as earlier stated costs $19.99 per month.

With your membership, you will get to take advantage of the following:

  • Loans access of up to $1,000 with very competitive rates
  • 24/7 Credit Monitoring and tracking using the app
  • Payment reporting to all three credit bureaus
  • Access to 0% APR Instacash cash advances
  • Access to Lion’s Share, an exclusive cashback rewards that allow the user to get back up to $19.99 a month

Additionally, if a Credit Builder Plus member signs up for a RoarMoney account and/or a MoneyLion Investment account (both are paid services as well), the bank will refund the $1/month administrative fee charged for each of the accounts.

Smart Mobile Banking

Another feature that MoneyLion offers is RoarMoney, which is the bank’s banking offering in partnership with Mastercard and MetaBank.

With RoarMoney, you get to enjoy the following features

  • Direct deposits that are received up to two days early
  • 0% APR Instacash, SM advances for up to $250
  • No minimum balance, and no fees across 55,000 ATMs
  • Contactless MoneyLion Debit Mastercard® with Price Protection and Zero Liability
  • RoarMoney virtual card (received as soon as you open your account)
  • Weekly spend reports by category
  • Transparent pricing
  • No hidden fees

You can enjoy what RoarMoney has to offer for only $1 per month or $12 a year. However, if you are a Credit Builder Plus member, the $1 administrative fee will be reimbursed, which means you can get it for free.

Cash Advances

Earlier we mentioned Instacash. Instacash is MoneyLion’s short-term cash advance feature.

MoneyLion customers can instantly get up to $250 cash advance with 0% interest. Yes, you read it right. You get to advance cash without having to worry about getting charged for interest.

This cash advance feature helps customers get money faster to cover unexpected expenses.

What makes it even more interesting is that customers cans apply without having to worry about going through a credit check.

In addition, Instacash does not charge a monthly fee. So you can enjoy using it anytime you need to.

Know more about MoneyLion’s Instacash feature in the video below:

Cash Back Rewards

With RoarMoney, MoneyLion customers can earn cashback rewards on their purchases every day.

Unlike other cashback programs, MoneyLion’s cashback rewards can grow when customers invest it on their fully managed investment portfolio.

Customers have the option to grab it and let their money grow.

Personalized Financial Tracking & Education

Another prime feature that MoneyLion offers is what they call Financial Heartbeat, which is basically a fitness tracker for finances.

MoneyLion’s Financial Heartbeat is a combination of a dynamic framework for both monitoring financial health and empowerment of members to help them improve on a day-to-day basis.

You can check your Financial Heartbeat, which literally uses a beating heart to serve as a visual presentation, through the MoneyLion mobile app. Basically, the heath changes colors to reflect the user’s progress on a scale from 1 to 10.

The Financial Heartbeat feature enables members to immediately evaluate where they are standing in terms of their financial health journey.

The MoneyLion Financial Heartbeat feature sums up five essential financial pillars: Save, Spend, Shield, Score, and Strive.

Managed Investing

With MoneyLion, it’s easier and faster to invest and reach your financial goals, respectively with its fully managed portfolios as well as auto investing features.

All these are free of management fees and with no minimum amount requirements.

To enjoy this feature, all you have to do is answer a few questions on MoneyLion’s app, and wait for its recommendation among its 7 core portfolios.

Furthermore, you can personalize it by simply changing it to either more or less aggressive or by adding investment themes like Future Innovations. You can also opt for auto investing to make it easier to fund and build your account.

For this feature, MoneyLion charges a $1 administrative fee per month for full investment management services, which include trading and rebalancing. However, as mentioned earlier, if you are a Credit Builder Plus member, your $1 per month will be reimbursed.


In this section of our MoneyLion review, we are going to share with you the fees charged by MoneyLion. This one’s important so you’d be able to see if it’s worth it or not — apart from the features, of course.

While creating an account is free, MoneyLion charges $19.99 per month when you sign up for the bank’s Credit Builder Plus, which is a membership program that allows you to leverage the bank’s amazing features.

MoneyLion also charges a $1 administrative fee per month for its RoarMoney and investment account. However, if you are a Credit Builder Plus member, these charges will be refunded.

Furthermore, customers can also be charged a $2.50 fee for using an out-of-network ATM plus the financial institution’s fee ($2 to $5).

When using MoneyLion’s debit card in another country, customers will be charged a 0.8% foreign transaction fee.

Also, a $0.25 fee is assessed when withdrawing money from your MoneyLion investment account.


Similar to other digital banking platforms, MoneyLion also made the sign-up process quick and easy.

You can sign up using your smartphone through its mobile app, or you can use your desktop or laptop computer and open an account on MoneyLion’s website.

To proceed with the sign-up process, you will need to provide your full name as well as your address.

Once you’re done with this step, you can now proceed with your application for the Credit Builder Plus membership (if you want to request a credit-builder loan).

To complete the whole process, you will be asked to provide the following personal details:

  • Full name
  • Full email address
  • Home address
  • Social Security number
  • Verifiable phone number
  • A verifiable bank account that’s in good standing (at least 60 days old and has deposits that show steady income)


To complete our MoneyLion review, we are giving some of the good things we found about MoneyLion.

Some of the benefits of using MoneyLion include:

Free Online Account – MoneyLion allows you to create an online account for free.

  • No ATM Fees – The bank does not charge any fee for as long as you make ATM transactions at Allpoint.
  • Credit-Builder Loans for up to $1,000 – As part of the benefits of being a Credit Builder Plus member, you can enjoy credit-builder loans up to $1,000.
  • Offers 0% APR Instacash Advances – MoneyLion allows members to enjoy 0% APR Instacash advances up to $250.
  • Competitive APR – For MoneyLion’s Credit Builder Plus, the APR starts at 5.99%, which is low compared to other banks. Meanwhile, Instacash cash advances offer 0% APR.
  • No Hard Credit Check – MoneyLion’s loans are suitable for all credit types. Customers only need to link a checking account to their MoneyLion app, and they can get loan approval in just a few minutes.
  • Quick Funding – MoneyLion provides customers a portion of the loan amount upfront (instantly or within 48 hours). Meanwhile, the rest of the loan will be held in a Credit Reserve Account in your name. Customers will this fund after they’ve paid off the full loan amount.
  • Easy Repayment Terms – MoneyLion’s repayment scheme is fixed, which means payments won’t fluctuate over time.
  • Early Repayment Option – Customers have the option for an early repayment fee of penalties or charges.
  • Transparent Fees – MoneyLion provides all fees during the loan process so customers won’t get surprised by any fees or charges.
  • Chance To Offset Paid Membership – MoneyLion Credit Builder Plus member may get a portion or all their monthly membership fee offset by payouts from the Lion’s Share Loyalty Program. This reward can be provided by meeting certain requirements like logging into the app, as well as making a certain number of purchases.


There is no such thing as a perfect banking institution. So, just like the other digital banking platforms, MoneyLion does have its share of cons as well.

Some of the downsides of MoneyLion that we found are as follows:

  • Monthly Membership Fee – MoneyLion charges a membership fee of $19.99 a month to its Credit Builder Plus members. Without this membership, you won’t be able to use its premium features.
  • Small Loan Amounts – Compared to other digital banks out there, the loan amounts offered by MoneyLion are smaller, which makes it not ideal for those who need to loan bigger amounts.
  • A Portion of Loan Funds Go to Reserve Account – As mentioned earlier, while customers get a portion of the loaned money upfront, the rest will go to a reserve account, which will only be available once you are able to pay back the loan.
  • APR Can Be High – Although MoneyLion offers as low as 5.99% APR on its credit-builder loans, the interest can actually go as high as 29.99% depending on certain factors like your income.


Before we conclude this MoneyLion review, we’ll talk about the safety and security of using the MoneyLion app.

To ensure the safety and security of your money as well as your personal information, MoneyLion uses encryption on both its app and website.

Additionally, MoneyLion monitors its site and database 24/7 for any possible threat.

Furthermore, the bank also implements strict privacy and information security practices to ensure that their customers’ data is handled carefully and is secure.

MoneyLion checking, as well as a debit card, are all FDIC-insured.


Online banking or digital banking has definitely boomed over recent years. It is not surprising though because compared to traditional banks, it is easier, convenient, and more accessible.

There are a lot of digital banks out there, and MoneyLion is one of them. Just like the rest, MoneyLion offers certain features that make it stand out from the rest — particularly its Credit Builder Plus membership.

So, having all learned all the information you provided, can you say that MoneyLion is the online bank you’ve been looking for?

Well, to end, we hope that this MoneyLion review provided you with all the information you need to land on a decision on whether it is the right one for you or not.