Established in 1949, United Federal Credit Union proudly calls St Joseph, Michigan home. 4855. Just enter your Reservation Number and Access Code from your letter/E-mail to start your secure application. Laser Power Bar for Land Rover All Models | BA 4855 - On sale For £36. 3_chargeback_mastercard. Mastercard Prepaid Management Services Australia Pty Ltd (ABN 47 145 452 044, AFSL 386837) arranges for the issue of the Australia Post Travel Platinum Mastercard® (“Travel Mastercard") in conjunction with the issuer, Heritage and People's Choice Limited trading as Heritage Bank (ABN 11 087 651 125, AFSL 244310). The Joker Prepaid Mastercard®. I’m yet to meet any e-commerce employer that loves the uphill drive of combats defraud chargebacks. 1. Accounting Email: [email protected] Card from American Express. MasterCard – 4855 Goods or Services Not Provided d. 3. Section 1 - Protection Benefits. Part 2/7 32. Sebelum perwakilan Anda, coba hubungi pelanggan dan dapatkan pemahaman langsung tentang masalah tersebut. gov. Poor/Fair/Limited/Damaged. Add a phone number to get your ticket(s) via text. All Rights Reserved. 4855 UK—Goods or Services Not Provided, removed GBP 10 minimumMasterCard – 4855 Barang atau Jasa Tidak Disediakan d . Corner Of Newport Rd And Murrieta Rd, Next To I-Hop. one of my first commercial project: default landing web-site, used pure js and php on back - lawers_landing/2. Email. 4840 – Fraudulent Processing of Transactions. Though most cards have a 16-digit number, your credit card number can be between 13 to 19 digits long and it’s specific to your credit card. com. 15% OFF Order $100+ Code "Extra15" + FREE Shipping Over $50 U. Secured card with no credit check. Get directions, store hours & UPS pickup times. The white caI’m yet to meeting any e-commerce entrepreneur that adore the uphill journey of fighting fraudulent chargebacks. Here's the Chargeback Response Preset required winning friendly fraud professionallyCiti Double Cash® Card. gitignore","contentType":"file"},{"name":"1. By Phone:. You can pay your Milestone Credit Card either online or over the phone at (800) 305-0330. 36. Exclusive offer on Axis Bank Credit Cards. Seller assumes all responsibility for this listing. 98 - Fast shipping Worldwide Shipping - Socket Sets & Accessories By LaserBest Mastercard credit cardsShow The List [+] Unlimited cash back: Citi Double Cash® Card. Single hand operation for easy adjusting. AMEX A02 No Authorization Request for Information YES NO. Plus, you have options – like choosing contactless delivery to your door or pickup at your local CVS Pharmacy. However, there are some measures to mitigate that call. ” This reason code has been retired by Mastercard, but it was used when the cardholder did not receive the goods or services they purchased. Here's the Chargeback Request Template for winning kindly fraud professionally4855 14th Ave Markham, ON L3S 3L6 (905) 513-9233 Chinese. Call us at 1-833-414-4855 (or +1-757-917-2559 if outside the U. K. 4855: Goods or services not provided: 4857: Card-Activated Telephone Transaction (fraud only) 4859: Change to Addendum, No-show, or ATM Dispute: 4860: Credit Not Processed: 4862: Counterfeit Transaction Magnetic Stripe POS Fraud: 4863: Cardholder Does Not Recognize—Potential Fraud: 4870: Chip Liability Shift: 4871: Chip/PIN Liability Shift MasterCard | 4855 Goods or Services Not Provided; Discover | RG Non-Receipt of Goods or Services; Tips | If available, provide a signed delivery receipt or similar document by the due date to preserve your rights. 1 MasterCard: 4855 AMEX: F29 Discover: UA02:MasterCard: 4855; AMEX: F29; Discover: UA02; Duplicate processing/Paid by other means. The most comprehensive guide to chargeback reason codes. $9. Seats G12, G13, G14, G15. AMC Safe & Clean™ We look forward to welcoming you back to the movies at AMC. Amex 4554 30. This service is provided by Generali Global Assistance, Inc. 15. Mastercard specifies 21 reason codes under the categories of Fraud, Authorization, Point-of-Interaction Error, and Cardholder Disputes. Get Directions. 800/727-HULL (4855) [F] 866/449-8219 email this branch google map: LATEST NEWS : Online Payments. We would like to show you a description here but the site won’t allow us. io 4855 — Goods or Services Not Provided This chargeback reason indicates that the services were not rendered or the product was never delivered. $5. Pay. If the acquirer bank accepts the presented evidence, cardholders wins the chargeback. Upon request of Mastercard, you shall execute and deliver such additional instrument of license, as may be solely deemed by Mastercard, reasonably necessary to establish Mastercard's ability to use the User Submission as it sees fit and that "Moral Rights of Authors" are waived under these Terms and Conditions. Sign On Select an AccountAcceptable forms of payment are check, money order, and credit card payment (online or by phone). United Federal Credit Union (Reno South McCarran - Walmart Supercenter Branch) is located at 4855 Kietzke Lane, Reno, NV 89509. Chargeback response template for Digital Goods Not Received chargeback. $80. Or it must be processed in the latest anticipated date that the goods or services were to be provided. NerdWallet Compare, Inc. Since 1994 Zebra Skimmers has built a reputation for providing the metalworking industry and other industries with oil skimmers and metalworking fluid management systems. Get Mastercard consumer support. You are receiving the. Our reputation is built on strong customer service, expert technical know-how and delivering American-made, American quality products and solutions. Cash rewards or reward points and no annual fee. DESCRIPTION Why did I receive this chargeback? Mastercard is in the process of updating chargeback management regulations. 1 MasterCard: 4855 AMEX: F29 Discover: UA02: Duplicate processing/Paid by other means Visa: 12. Show More. Description of Change Where to Look Removed title pages for parts, and renamed chapters to better reflect applicability. Josh Eilert is 2-3 after five games as West Virginia's men's basketball coach. MasterCard: 4855; AMEX: F29; Discover: UA02; Duplicate processing/Paid by other means. For questions about Your account, balance, or rewards points, please call the customer service number on Your credit card statement or on the back of Your card. AMC Safe & Clean™ We look forward to welcoming you back to the movies at AMC. When faced with a chargeback, you are provided with an alphanumeric text used to determine the cause of the chargeback. Total $26. Zion, near Walmart, is a full-service facility complete with Safe Deposit Boxes, lobby tellers, drive-up. Tickets. Child Ticket (2) $20. Virtual Joker Prepaid Mastercard®. MasterCard will map these three Authorization Response Categories to one of four Merchant Advice Codes (MAC) depending on the underlying decline code. 2014, MasterCard will reduce the maximum number of declined authorizations on card-not-present transactions permitted in a 24 hour period to two (from four). (877) 541-4855 Media Relations: media@kirklands. 5 Multiple Authorisation Attempts on Card-Not-Present. US$25,000 Credit Life Protection. com. Click here to download and send the completed dispute form to e-mail ID: Dispute@Mashreq. S. eBay Money Back Guarantee. Отриманий товар або послуга значно відрізняється від замовленої продукції, товар неповноцінний. Section 1 - Protection Benefits. Requested / Required Authorisation not obtained. 56. Get directions, store hours & UPS pickup times. The Citi Premier card steers away from travel categories and perks toward higher-value bonus categories for everyday expenses. S. It offers 18 months to. 4840 – Fraudulent Processing of Transactions. You can request a credit limit increase (CLI) directly from Wells Fargo by phone or online. . We would like to show you a description here but the site won’t allow us. 4. Current Discover cardholders can request a balance transfer from a different credit card account by calling the number on the back of their Discover card. Cu toate acestea, Shopify a redus aceste peste 100 de coduri de motive în opt mari categorii. 1, 4 JanuaryIncluded is a Kevex 4855 Beam Controller and Sigma Controller. Learn about the Excessive Chargeback Program (ECP) from Mastercard, a program that monitors and reduces chargeback rates for merchants and acquirers. -based neobank and fintech company offering Mastercard ® virtual cards to its users. For Parts In Canada, please contact: Delaware Pump and Parts at (519) 652-9611. The U. Cardholder-Activated Terminal (CAT) 3 Device. Represent the chargeback regardless of whether the customer states they will cancel the chargeback (to preserve your rights). Currency Converter Calculator. No-deposit card for 'less than perfect credit'. Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. 13. Established in 1956, Decatur Earthmover Credit Union proudly calls Forsyth, Illinois home. Tickets. Hours of Operation Monday: 8:00 AM – 4:00 PM Tuesday: 8:00 AM – 8:00 PM Wednesday: 8:00 AM – 8:00 PMWal-Mart/Vons Shopping Center (15 Freeway & Railroad Canyon) (951) 471-0090. Plus, earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months 6A credit card that lets you earn points on rent. [ jump to details ] Rewards: 2% cash back on all purchases—1% when purchases are made and another 1% when they’re paid off. Since 1994 Zebra Skimmers has built a reputation for providing the metalworking industry and other industries with oil skimmers and metalworking fluid management systems. 95 per month will be deducted from your balance beginning on the 13th month after each 12-month period of inactivity. 1230 Peachtree St NE Fl 18, Atlanta, GA 30309-3574. Apply here: Bank of America Customized Cash Rewards credit. MasterCard uses the four main categories to organize its reason codes: Authorization, Card Member Disputes, Fraud, and Processing Errors (which MasterCard refers to as Point-of-Interaction Errors). 4855 Santa Monica Blvd Los Angeles, CA 90029 (310) 967-9771 Buy Now » About Treat. MasterCard 4855 Non-Receipt of Merchandise<br /> MasterCard 4857 Card-Activated Telephone Transaction<br /> MasterCard 4859 Services Not Rendered<br /> MasterCard 4860 Credit Not Processed<br /> MasterCard 4862<br /> MasterCard 4863<br /> Counterfeit Transaction Magnetic Stripe POS<br />A total of 796 card-issuing banks in United States issue credit and debit cards under 1645 different Issuer Identification Numbers, or IINs (also called bank identification numbers, or BINs). Seller feedback (4,855) This item (1) All items (4,855) ra (1203). MasterCard (*4855) $35. Seats D4, D5, D6, D7, D8. Veteran-owned. On the average however, most banks and card issuers charge annual membership fees between PHP1,500 to PHP2,500 for decent. Card Type Reason Code Reason Code Description Merchant Action Discover AL Airline Transaction Dispute This chargeback occurs because of a dispute on an Airline sale involving allegedly fraudulent card transactions. one of my first commercial project: default landing web-site, used pure js and php on back - lawers_landing/2. 5170 0337 8008 4855, MasterCard 5230 4014 4635 0846, MasterCard 4586 1111 7382 3286, Visa 4877 5318 2385 4621, Visa 4613 5748 2477 5642, Visa 4804 8215 6074 4616, Visa 5762 1884 6087 7640, MasterCard 4732 6473 1770 7854, Visa 5144 7654 1580 4222, MasterCard 5547 8405 4628 4868, MasterCardIf you would prefer to donate via phone please call 312-948-4855. Wells Fargo credit card options for Mastercard or Visa Credit Cards. 1 Barang/Jasa Tidak Diterima . Services not rendered or merchandise not received (Visa 30 Mastercard 4855): A case of the merchant not delivering the product or the cardholder being billed before the item was delivered. For Customer Service Inquiries please contact the number on the back of your card or dial 1-833-293-7721. Revolut is a U. Cash rewards or reward points and no annual fee. If you need printing, shipping, shredding, or mailbox services, visit us at 26025 Newport Rd. Child Ticket (2) $21. About Mastercard chargeback reason codes Reason codes are alphanumeric codes that provide the justification for granting a chargeback. It’s crucial that you recognize the common merchant errors that might trigger a reason code 13. 50000000 доларів (usd) в реалах (brl) ⚡ Перевести 50000000 доларів в бразильський реал за готівковим. MasterCard (*4855) $35. Check Account Updater if the decline code is 79 or 82. Compare credit cards and apply online. SOY CAPITAL BANK & TRUST 2015 MT ZION ROAD Decatur, IL 62525. $80. Business owners accepting debit or credit cards understand that chargebacks are a common phenomenon in their businesses. His card has an APR of 19. For over 74 years, United FCU has been a trusted financial partner, boasting a network of 42 branches and 40. Fees. Recently viewed. 4860 Credit Not Processed. 24 equal monthly payments on select purchases 9. • Updated the Standards to include Nigeria-specific time frames within the attached Revised Standards—Mastercard Merchant Presented QR Dispute Resolution Process for MasterCom Case Filing—Update document. It’s a time-consuming process with only 22% chances to success (56 percent medium of fraud-related illegitimate chargebacks disputed multiplied by 40% mean win rate). . These mandates often involve changes to the transaction process, the addition or removal of certain chargeback reason codes, or changes to the various phases and deadlines involved in the chargeback. Bakersfield , California Phone: (661) 215. YES YES. 5% 5% cash back on gas anywhere (up to $6,000) 5% Plus members earn 3% back on eligible purchases when shopping in-club or digitally through Sam’s Club when they use their Sam’s. MasterCard: 4855: Visa: 13. Як повернути свої гроші за чарджбек (chargeback) Урок 35 як повернути свої гроші за чарджбек (chargeback) - школа життяAMB Business Solutions, LLC. Past year; Exactly as described. 524040 - OCBC Bank BEST-OCBC MasterCard Credit Card (Singapore) 524100 - Citibank Korea; 5243** - Hudson's Bay Company MasterCard Credit Card (Canada) 524805 - Orico MasterCard Credit Card (Japan) 525241 - Saison Card International, Japan - United Airlines MileagePlus; 525405 - VÚB Banka (Banca Intesa group) MasterCard original+. Cardholder Dispute: Digital Goods Purchase of USD 25 or Less / “No-Show” Hotel Charge. Click HERE to log in and manage your NEW FNB South Mastercard Credit Card. COMING SOON. 3_chargeback_mastercard. php at main · squalorDf/lawers. Post Views: 841. Transaction Processing Rules - Mastercard. The minimum security deposit amount is $200. Cardholder Debited More than Once for an Same Goods other Services. Payment methods. m. Visa’s is Motive Key 30: Services Not Provides or Commercial Nope Received additionally MasterCard’s is Reason Code 4855 — Non-receipt of Product. com. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. You could get a response in as little as 60 seconds!. Sign in name. Wells Fargo credit card options for Mastercard or Visa Credit Cards. You can verify the transactions with a quick reply, or get in touch with us if you don. posted 05/28/2022 by Lola Spraling. Visa – 13. The only acceptable means of payments. Understanding chargeback reason codes is one of the most essential parts of effective chargeback management. Chargeback. one of my first commercial project: default landing web-site, used pure js and php on back - lawers_landing/2. Capital One. ML-4855, One Size, Rainbow stripe acrylic thigh hi. Warning Bulletin. It will be incorporated into code 4853. $8 95 $8. 25% and no annual fees. 64. 1 Merchandise/ Services Not Received. Banks in United States issue amex, discover, mastercard and visa branded credit and debit cards. The impressive metal 22-gram Mastercard Black Card delivers a sophisticated construction for its sophisticated clientele. 1 chargeback: The merchant failed to ship the merchandise or provide the service as agreed. Tickets. This is typically for a card present transaction. Office Hours . Since 1983 we've been anchored by an incredible Birkenstock selection, but we also carry many other brands of comfortable, stylish footwear focused on making your feet happy!The UPS Store Perris. We want a world where young people are included and are thriving and their leadership and contributions matter. However, there are some measures to mitigate that challenge. Estimate Shipping Cost. The merchant failed to ship the merchandise to the agreed-upon location. 19. NMLS ID# 1617539. php. Make your User ID and Password two distinct entries. Chargeback Code Description Credit Card Scheme; 4807. MasterCard - 4855 Merchandise or Services Don Provided. Provide documentation and explanation that the services were covered by a bonding authority, insurance or. 95; Quantity. Compare credit cards and apply online. com Phone: (877) 959-4998Код ситуации, подходящей для начала процедуры чарджбэк в системе MasterCard – 4855 (Товары и услуги не предоставлены). Cash rewards or reward points and no annual fee. Mastercard Chargeback & Dispute Resolution Guide. 800. The Applied Bank® Secured Visa® Gold Preferred® Credit Card will approve you for a card when you put down a security deposit. Cut by Numbers Enabled. Contact Person: Contact Any of Our Customer Service Specialist. MASTERCARD 4855 Non-Receipt of Merchandise Non-Receipt of Goods or Services NO YES MASTERCARD 4857 Card-Activated Telephone Transaction Fraud NO YES. Simple, convenient and always well-received. Reason Text Chargeback Category Preventable Reversible. 31. It usually signifies the customer did not receive a refund after return. 0. Providence Federal Credit Union is headquartered in Milwaukie, Oregon has been serving members since 1969, with 3 branches and 3 ATMs . 4855 - Goods or Services Not Provided; How to Respond. Taxes. KIA OPTIMA. ) to reset or change your PIN using our automated system. We would like to show you a description here but the site won’t allow us. About Zebra Skimmers. Here is a Marklin 4855 HO Scale 'EVA' Tank 3-Car Set. Therefore, the issuer may submit a chargeback for a Payment Transaction using the message reason code 4842 before the 30-calendar day presentment time frame normally required for this message reason code. Mastercard 4855 Amex 4554 Part 2/7 Ensure you ask to speak to the disputes team (this team are the ones who understand the modifier and the terms and conditions governing chargebacks) and tell the consultant your chargeback is for non-delivery of goods – not fraud – Fraud can be difficult to prove whereas non-delivery of goods is. Text My Tickets. Up to three additional No Fee* cards for your family and friends. ATMs located at all locationsLive Your Own Journey. Code. 0. , South Africa (Corporate) 4003 6138 0653 1462, Visa - Chinatrust Commercial Bank, Taiwan (Infinite) 5122 1734 4486 8084, MasterCard - Commonwealth Bank Of Australia, Australia. Sign in. $26. 6. Chargeback of this Reason occurs (Non-Receipt of Goods or Services). MasterCard (*4855) $26. S. Methods of Payment : VISA, MasterCard Toll-Free Phone Ordering: 1. Anda juga dapat mengirimkan email kepada mereka nomor pelacakan pesanan karena komunikasi tersebut akan menjadi bagian penting dari. [email protected] E Blue Grass Rd Mount Pleasant, MI 48858 (989) 779-2626 Sports Bars. MasterCard. One of the best rewards Mastercard credit cards is the Citi Double Cash® Card. BBB Rating: A+. MasterCard. United manages $3. MasterCard offers longer response from merchants, with up to 45 days to respond depending on the reason code. Compare credit cards and apply online. Text My Order. Reason code 4855 chargebacks must be processed within 120 calendar days from the settlement date. Capital One SavorOne Student Cash Rewards Credit Card. Text My Tickets. You may also be able to make a request. It’s a time-consuming process by only 22% chances of success (56 percent average regarding fraud-related illegitimate chargebacks contentious amplified by 40% average win rate). Highest honors: Riylee Belle. Ask a question. Mastercard 4855 Amex 4554 Part 2/7 Ensure you ask to speak to the disputes team (this team are the ones who understand the modifier and the terms and conditions. Additional card features include cell phone protection, purchase security, trip cancellation and interruption, personal assistance from Mastercard® World Elite Concierge, and more. Chargeback Reason Code List - U. Complete with stand, storage shelf, practical tool holder and jogging block. 855 angel number signifies faith, trust, compassion, positive changes, and the manifestation of abundance. Text My Tickets. Dan memahami kode alasan yang terkait dengan tolak bayar memungkinkan Anda menyesuaikan bukti kuat dengan tepat. Contact our offices, headquarters or operation centers near you to learn more. Visa – 13. Menifee, CA 92584. We would like to show you a description here but the site won’t allow us. Wood Type : Walnut Live Edges : Live Edges Tapers : Taper in Thickness leaving Unsurfaced Areas on Slab up to 1/16” Deep x 1 1/4” Wide x 3” Long Cracks : Cracks/Splits up to 1/4" Wide x 30" Long; Some Cracks/Splits go Through Full Thickness of Slabs Inclusions & Voids : Small Inclusions/Voids/Knots Bow : Up to 1/16Interest Rates and Interest Charges: Annual Percentage Rate (APR) for Purchases. [email protected] code 4853 indicates the broad category “Cardholder Dispute,” which in general means the cardholder was not happy with a purchase and blames the merchant. Capital One vs. com purchases, at 0% APR, over the financing offer period. RT 4855-P 14" Rtek Black Full Tang Clip Point Hunting Knife with Sheath. It’s important to understand Mastercard chargebacks and the rules that govern them. This chargeback may be reversed by MasterCard 4855 Non-Receipt of Merchandise supplying proof that the customer has received the expected merchandise or evidence that a credit was issued. It’s a time-consuming process with only 22% chances of success (56 percent average of fraud-related illegitimate chargebacks disputed multiplied by 40% average win rate). For Customer Service Inquiries please contact the number on the back of your card or dial 1-855-288-0926. United Federal Credit Union (Reno South McCarran - Walmart Supercenter Branch) is located at 4855 Kietzke Lane, Reno, NV 89509. Cardholders, banks, and merchants each need to keep to the deadlines imposed by the card networks or risk losing a claim. Credit Card Number: * Expiration Date (MMYY): * Security Number: * Email Address: * *Please provide an email address so we can send you your receipt. I’m yet till meet any e-commerce entrepreneur that loves and laborious journey in fighting deceit chargebacks. Sign in name. This site does not include all credit card companies or all card offers available in the marketplace. 25%, 3. The merchant failed to ship the merchandise by the promised delivery date/time. When faced with a chargeback, you areVISA 99 Pre-Compliance Other NO YES. Scotiabank Mastercard®. 6; MasterCard: 4834; AMEX: P08; Discover: DP; The charge ID for the previous payment appears as a duplicate of the disputed one. For Parts In Canada, please contact: Delaware Pump and Parts at (519) 652-9611. Angel Number 4855 also comprises the numbers 48, 485, 855, and 55. Pay. 2 cents, but this is a baseline value, not a maximized value based on comparing real-world cash and award fares in main cabin. I’m yet to join any e-commerce entrepreneur is loves to uphill journey of fighting fraudulent chargebacks. 10_chargeback_reviews. Contribute to NGarteman/SITE_ExpertPravo24_NEW_design development by creating an account on GitHub. (145KB) 22 May 2020. This reason code is accompanied by a fraudulent reason code (UA). Wells Fargo credit card options for Mastercard or Visa Credit Cards. Citi Custom Cash® Card. Luxury Card combines the most advanced principles of design and technology to raise the standards for the type of card you carry. Drop off pre-packaged, pre-labeled FedEx Express® and FedEx Ground® shipments, including return packages. Citi Double Cash® Card: Best for Simple cash back. But not all BJ's purchases earn extra rewards. Established in 1940, Collins Community Credit Union proudly calls Cedar Rapids, Iowa home. Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases. php at main · jojoprison/lawers. eBay Money Back Guarantee. MasterCard. Announcement of New Return Message Values. MASTERCARD BENEFIT INQUIRIES. Collins Community Credit Union (Asbury Branch) is located at 4855 Asbury Road, Dubuque, IA 52002. Minimum Deposit. 95. ومع ذلك ، Shopify قام بتقليص أكثر من 100 أكواد سبب إلى ثماني فئات عامة. Card number. Get a Quote. Apply for the new AMC Entertainment® Visa® Card and earn 50 extra AMC Stubs® points per $1 spent on AMC Theatres® purchases in addition to the points members already earn. Estimate Shipping Cost. We estimate that each United mile is worth 1. Pursuant to the Fair Credit Billing Act of 1974 , cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim is valid. 15 July 2020. com. Text My Order. Compare credit cards and apply online. We are partnering with Skipr for their innovative and easy to use tool. 1 Merchandise/ Services Not Received Winning Digital Goods Not Received chargeback can be tricky because there is no trackability option. Within the U. Appendix A—Chargebacks—MasterCard Europe ATM Transactions (MasterCard, Maestro, and Cirrus) Updates to CVM Limits Excel spreadsheet as announced in: • Global Operations Bulletin No. The Credit Card you are eligible for will depend on your income level. Text My Tickets. Getting to Know CVS. We have built a complete yet easy-to-use platform that enables you to integrate every mobility option to your mobility policy. 15F Enterprise Ln Ste F Smithfield, RI 02917. You may use this service to submit payments for your insurance premium using a Credit Card or Debit Card (Visa, MasterCard & Discover).