Regulation A+ Offering: Hype or Reality?

Regulation A+, a relatively new fundraising mechanism, has attracted significant attention from both investors and businesses. Proponents praise its potential to empower access to capital for entrepreneurs, while critics express concern about its limitations.

The promise of Regulation A+ lies in its ability to leverage the power of crowdfunding to raise funds from a wide pool of investors. This, in theory, can offer businesses with an alternative to traditional financing sources and encourage economic development. However, the challenges associated with navigating the regulatory landscape and the potential of fraud remain significant concerns.

As the Regulation A+ ecosystem develops, it will be essential to find a balance between fostering innovation and ensuring investor protection. Only then can Regulation A+ truly realize its full promise.

Regulation A+ | MOFO

MOFO's expert team is highly knowledgeable about Regulation A+, a regulation under the Federal securities laws that allows companies to raise capital through public offerings. Leveraging this framework, businesses can attain funding for growth while complying with stringent regulations. Our practitioners assist companies through every phase of the Regulation A+ process, ensuring a efficient and appropriate offering.

Concisely explain Title IV Regulation A+ about Me

Manhattan Street Capital is a crowdfunding platform that specializes in helping companies raise capital through Title IV Regulation A+. This regulation allows private companies to sell securities to the public and raise up to $75 million per year. Businesses can use this funding for various purposes, such as expanding operations, developing new products, or acquiring other businesses. Manhattan Street Capital provides a detailed platform that assists companies through the entire Regulation A+ process, from registration to investor relations.

Considering you're a company looking to raise capital, Manhattan Street Capital's expertise in Title IV Regulation A+ can be a beneficial asset.

A Innovative Reg A+ Opportunity: What Is A Reg - We Hold All Of Them

Navigating the world of securities offerings can be complex. That's why we've become experts in Reg A+, a powerful avenue that allows companies to raise capital from the public. If you are an entrepreneur seeking funding or an investor looking for new opportunities, Reg A+ could be the perfect solution. Our team is dedicated to providing clear, concise information throughout the entire process.

We understand that every company has unique needs. That's why we offer a range of customized options tailored to your specific objectives. From initial consultation to final filing, we'll be there every step of the way to ensure a smooth and successful Reg A+ offering.

  • Uncover the benefits of Reg A+ for your business.
  • Access our expert knowledge and experience in navigating the regulatory landscape.
  • Maximize your chances of a successful capital raise.

What Startups Need to Know About Regulation A+

Launching a startup is an exciting journey filled with innovation. But amidst the hustle and bustle of building your dream, navigating the complex world of legislation can feel daunting. A key piece of the puzzle for startups seeking funding is understanding Regulation A+, a unique opportunity that allows companies to raise capital from the public. Regulation A+ offers a simplified path to raising funds, potentially unlocking significant growth opportunities.

  • Essential benefits of Regulation A+ include expanded investor access, increased funding potential, and a more transparent fundraising process. Startups considering this route should carefully research the specific requirements and implications.
  • Engaging with experts from experienced legal and financial professionals is strongly advised to ensure a smooth legislative pathway. Regulation A+ can be a powerful tool for startups seeking to achieve their ambitions, but it's essential to approach it with a clear understanding of the framework and its potential impact.

Facilitates Equity Crowdfunding

Regulation A+, also known as Reg A+, functions as a powerful avenue for businesses aiming to raise capital through equity crowdfunding. It presents a streamlined framework for companies to offer and their securities to the public, including individual investors. Under Reg A+, companies can raise up to $50 million in a year, granting them with access to a wider pool of capital than traditionally obtainable by private offerings.

The process for Reg A+ equity crowdfunding involves several key stages. First, companies must draft and submit a detailed offering statement with the Securities and Exchange Commission (SEC). This submission provides investors with in-depth details regarding the company, its business plan, and the risks connected to the investment.

After the SEC has reviewed and approved the offering statement, companies can begin marketing their securities to investors through various platforms. This can involve online platforms dedicated to equity crowdfunding, as well as traditional marketing strategies.

{Ultimately, Regulation A+ provides a effective avenue for businesses to obtain capital through the power of the crowd. By making it simpler for companies to access public markets, Reg A+ has the potential to foster entrepreneurship.

Regulation A+ Capital

FundAthena is a company leveraging the power of Regulation A+, offering individuals the opportunity to contribute in promising projects. This unique funding mechanism allows companies to raise ample capital from a wider range of backers, while providing individuals with opportunity to high-growth ventures. FundAthena's dedicated team streamlines the entire Regulation A+ process, ensuring a transparent experience for both businesses and their backers.

Speculative Colonial Stock Securities

Venture into the burgeoning realm of Blank-check Colonial Stock Securities, where history meets contemporary finance. These unique assets grant investors access to a diverse portfolio of reimagined settlements. Each share represents a stake in the potentialgrowth of these unique ventures. Explore this promising opportunity to influence to the transformation of our collective past.

A Major Find

Finally, after years of tireless searching, our team has made a breakthrough! We've excavated a ancient device. It's in excellent condition, and we believe it could hold the key to unlocking long-lost technologies. This is a moment of excitement for our entire team.

  • Preliminary| analyses are already underway, and we're eager to reveal more details soon.

Raising Funds - Title IV Reg A+

Delve into the exciting world of Title IV Regulation A+ with our insightful infographic. Discover how this powerful funding mechanism can empower your venture to soar to success. Explore the key benefits of Title IV Reg A+ and understand its influence on the modern financial landscape .

Whether you're a seasoned entrepreneur or just starting out, this infographic provides valuable insights into the intricacies of Title IV Reg A+. Gain a comprehensive understanding of the process, eligibility requirements, and potential rewards. Learn how to tap into this unique funding opportunity to fuel your development. Don't miss out on this essential resource for anyone interested in exploring the exciting realm of Reg A+ crowdfunding .

  • Dive deeper into the world of Title IV Reg A+ today!

Regulation A+ - Securex Filings LLC

Securex Filings LLC presents itself as a leading facilitator for companies seeking to utilize the benefits of Regulation A+ offerings. Demonstrating extensive experience in securities law and a intricacies of capital raising, Securex Filings LLC provides a comprehensive range of solutions designed to streamline the Regulation A+ journey . From early consultations to completion , their passionate team assists ventures through every step of the regulatory framework .

  • The company focus on assisting businesses in mastering the complexities of Regulation A+.
  • Companies take advantage of Securex Filings LLC's knowledge to maximize their chances of a compliant Reg A+ offering.

Explore Crowdfund.co

Crowdfund.co is a/provides/serves as a platform/an online hub/a resource for individuals/people/backers to invest in/support/fund innovative/exciting/groundbreaking projects. Through/On/Via this website/platform/marketplace, creators/developers/entrepreneurs can raise/secure/gather capital/funding/money for their ideas/ventures/projects. Crowdfund.co offers/presents/features a variety/range/selection of categories/fields/industries for investors/backers/donors to choose from/select/explore. Whether you're/If you are/You might be looking to/searching for/interested in making an impact/supporting innovative ideas/finding investment opportunities, Crowdfund.co could be/might be/can be the perfect place/ideal destination/go-to resource.

Investing in a Fundrise Reg A

Fundrise has made available its latest Reg A offering. This type of funding round allows individuals to purchase shares of Fundrise's collection of income-generating assets. The offering is available for a limited time and presents a chance to diversify for investors seeking exposure to the property sector. Fundrise has built a strong track record with its previous Reg A offerings.

Investors interested in learning more about the Fundrise Reg A offering are encouraged to explore the company's platform. There, they can review the terms and conditions. Before making any investment decisions, it is always advisable to conduct thorough research and seek professional guidance.

Securities and Exchange Commission

The Securities and Exchange Commission is/serves as/acts as the primary regulatory/governing/overseeing body for securities/financial markets/investments in the United States/America. Established/Founded/Created in 1934/the early 20th century, the SEC is tasked with/aims to/strives to protect/ensure the fairness and integrity of/maintain financial markets/transactions/instruments by enforcing federal securities laws/regulations/guidelines. Its/The responsibilities include/encompass/extend to registering/regulating/overseeing broker-dealers, investment advisors, and mutual funds, as well as investigating potential fraud/violations of securities laws/market manipulation. The SEC also plays a key role in/actively participates in educating/informing/raising awareness the public about investment risks/securities regulations/financial literacy.

Propel Your Funding Journey With CrowdExpert Title IV Reg A+ Equity Crowdfunding

CrowdExpert Title IV Reg A+ Equity Crowdfunding offers businesses a unique and dynamic platform to secure the funding they demand for growth and expansion. Leveraging the power of the investment, CrowdExpert connects organizations with backers who are passionate about success. By offering shares of equity in exchange for investments, businesses can unlock a wealth of capital from a diverse pool of individuals. This method of funding not only provides monetary support but also fosters awareness for the project, building a strong foundation for future development.

  • Benefit from a streamlined and transparent platform
  • Attract a wider audience of potential investors
  • Accelerate your expansion through targeted funding

Gauging the Waters

Before launching headfirst into any new venture, it's wise to feel out the waters first. This involves carefully analyzing the current environment. By gathering data, you can evaluate the potential success of your endeavor. It's a strategic approach that can help you avoid setbacks.

Funding for Everyone

The concept of crowdfunding is no longer a niche practice. It's evolved into a powerful tool that allows individuals and organizations to raise funds directly from the public. This democratization of funding has opened up a world of opportunities for innovative projects, enabling them to bring their visions to life without relying on traditional sources like banks or investors. By tapping into the collective power of the crowd, crowdfunding campaigns have become a successful way to fund everything from artistic endeavors to social causes.

  • Websites like Kickstarter and Indiegogo have become central hubs for crowdfunding projects, connecting creators with potential backers.
  • The rise of social media has further amplified the reach of crowdfunding campaigns, allowing them to gain momentum quickly.
  • Inspiring examples abound in the world of crowdfunding, demonstrating its ability to support innovative ideas.

As crowdfunding continues to expand, it's clear that this disruptive model has the potential to reshape the way we approach investment. It empowers individuals, fosters collaboration, and unlocks new possibilities for creativity and progress.

StreetShare

StreetShares is a/an/the leading platform/company/solution for small/medium-sized/local businesses. It provides access to/funding through/capital in the form of loans/investment/credit, specifically designed/tailored/optimized for the needs of entrepreneurs/business owners/startups. With a focus on transparency/community/collaboration, StreetShares strives to empower/support/assist businesses by offering competitive rates/flexible terms/attractive options.

  • Founded in/Established during/Created by 2013/the year 2015/a few years ago, StreetShares has helped/supported/funded thousands of/numerous/a large number of businesses across the United States/country/nation.
  • Their/Its/The company's mission is to provide financial inclusion/make financing accessible/bridge the funding gap for emerging/growing/aspiring businesses.

Moreover/Additionally/Furthermore, StreetShares offers educational resources/training programs/valuable tools to help businesses succeed/thrive/grow.

Harnessing Regulation A+ for Successful Fundraising

Regulation A+ has emerged as a popular avenue to companies seeking capital. This mechanism allows non-public companies to raise substantial sums of funds through a streamlined procedure.

Entities are drawn to Regulation A+ offerings due owing to the opportunity for significant returns. Furthermore, Regulation A+ extends companies with a avenue to secure a broader pool.

A thriving Regulation A+ fundraising campaign depends on several key elements. These include a strong business model, a open communication structure, and a dedicated team.

Ultimately, Regulation A+ offers a practical route for companies to attain financial resources.

The SEC's EquityNet

EquityNet is a platform that provides services to encourage emerging businesses. Through its web-based network, EquityNet links investors with promising ventures. The portal features a selection of tools to streamline the funding process, including due diligence reports, investor evaluation, and dealdocumentation. EquityNet plays an key role in the ecosystem of startup financing.

Reg A+ Deals

Companies looking to raise capital may explore Regulation A+ deals as a less stringent alternative to traditional Initial Public Offerings. This structure allows companies to secure up to $50 million from the public in a manner that simplifies the fundraising process. Compliance remains crucial, however, as companies must adhere to stringent disclosure requirements and filing protocols. Successful Reg A+ offerings can provide companies with valuable resources to support growth and expansion.

  • Key advantages of Regulation A+ include its relatively simple process, reduced costs, and the ability to reach more investors.
  • Considerations to be aware of include the ongoing reporting obligations and the need for expert legal guidance throughout the process.

Understanding Regulation in Crowdfunding

The landscape of crowdfunding continues to undergo significant expansion, presenting both advantages and obstacles. Government policies play a crucial role in influencing this evolving {environment|. This requires a in-depth knowledge of the current legislative framework governing crowdfunding businesses.

Financial authorities worldwide are steadily endeavoring to implement specific standards that promote responsible and sustainable crowdfunding initiatives. These directives aim to ensure both investors and project creators while guaranteeing a level playing field for all {stakeholders|.

Compliance is imperative for crowdfunding players to operate consistently. Failure to conform with applicable laws can lead substantial fines. Consequently,, it is paramount for crowdfunding players to stay informed of the latest regulatory developments. , understanding and navigating regulations is crucial for the long-term success and viability of the crowdfunding sector.

Providing Requirements

When controlling presentations, it's essential to establish clear and comprehensive standards. These regulations aim to ensure that offerings meet predetermined measures of quality, security, and conformance with relevant laws and standards. Entities seeking to offer their offerings must adhere these expectations to operate within the system of legal and ethical boundaries.

  • For instance, offerings in the medical industry are subject to stringent regulations regarding patient confidentiality and data safeguarding.
  • Similarly, financial products must adhere to strict conformance specifications to prevent fraud and protect investors.

Governance A+ Finance Dictionary

Understanding governance is essential for traders. Investopedia's detailed resource on supervision provides understanding into the dynamics of financial systems. From assets to insurance, Investopedia's definitions demystify key principles related to governing frameworks. Whether you are a novice or an veteran analyst, Investopedia's A+ regulation content deepens your knowledge in this dynamic field.

Supervising A+ Companies

The arena of A+ companies is constantly evolving, presenting both opportunities and challenges for regulators. These high-performing entities often operate at the forefront of innovation, pushing the limits of what's possible. However, their success can also generate complex consequences that require careful evaluation. Regulators must aim to foster a regulatory environment that is both encouraging of innovation while also securing sound business practices.

This balancing act requires a refined approach, one that recognizes the unique characteristics of A+ companies and their impact on the broader economy.

There are several key areas where regulation of A+ companies must be meticulously considered. These include:

* Data privacy and security:

A+ companies often collect and utilize vast amounts of information, raising concerns about the protection of personal information.

* Algorithmic transparency and accountability:

As A+ companies increasingly rely on software systems, it is vital to ensure that these algorithms are understandable and held accountable for their consequences.

* Competition and market dominance:

The success of A+ companies can sometimes lead to worries about oligopoly, which could detriment consumer interests.

Tackling these challenges requires a collective effort involving regulators, A+ companies, researchers, and the citizens. Through transparent discussion, it is possible to craft regulatory frameworks that promote both innovation and the flourishing of society.

Supervision A+ Summary

Regulations provide a level playing field throughout industries by setting standards. A+ summaries frequently highlight key aspects of these regulations, presenting a concise summary for stakeholders. These summaries are essential for understanding compliance requirements and comprehending the details of regulatory frameworks.

  • Advantages of regulation A+ summaries comprise:
  • Improved understanding of regulatory requirements
  • Facilitated compliance processes
  • Reduced risk exposure

Regulation for Real Estate Transactions

The real estate market is a complex ecosystem governed by/regulated through/controlled by strict/comprehensive/robust regulations/laws/guidelines. These rules/standards/policies are designed to/implemented for/intended to protect/safeguard/ensure consumers, promote fairness/maintain transparency/foster ethical conduct in transactions, and prevent/mitigate/address fraudulent activities. Real estate professionals, including brokers/agents/developers, are required to/expected to/obligated to comply with/adhere to/follow these regulations/guidelines/standards.

  • Notable/Key/Important aspects of/areas covered by/issues addressed by regulation in the real estate industry include/encompass/address property disclosures/listings/transactions, agency relationships/client representation/confidentiality agreements, fair housing practices/anti-discrimination policies/equal opportunity laws, and real estate financing/mortgage lending/loan servicing.

Understanding/Being aware of/Familiarizing oneself with these regulations/the regulatory landscape/legal framework is essential for/crucial to/highly important for anyone involved in/participating in/engaged in the real estate market.

My Mini-IPO First JOBS Act Company Goes Public Via Reg A+ on OTCQX

After years period of preparation and hard work, our company is thrilled to announce its public debut via a Regulation A+ offering on the OTCQX marketplace. This milestone represents a significant achievement for us as we embrace this new chapter of growth and opportunity.

We believe that this listing will provide increased visibility to our investors and future stakeholders, while also allowing us to attract the capital necessary to power our next phase of expansion. We are optimistic about the future and are eager to share our progress with all of you.

Empowers Reg A+ raises on the platform

FundersClub, a leading online equity crowdfunding platform, unveils a new feature that allows companies to perform Reg A+ raises directly on its portal. This initiative expands FundersClub's capabilities, giving businesses access to a wider pool of investors. With Reg A+, companies can raise up to $75 million from the retail investors. FundersClub's streamlined platform simplifies the fundraising process for companies, making it convenient than ever before to tap into the power of crowdfunding.

What is Regulation A+

Regulation A+, often referred to as "Reg A+" for brevity, is a/acts as/constitutes a financing exemption within the U.S. securities laws. It allows companies to raise capital from the general public through a process/method/system known as crowdfunding. The goal of Reg A+ is to provide smaller businesses with a more accessible path to raising funds, compared to traditional methods like initial public offerings (IPOs).

Under Reg A+, companies can offer and sell their securities directly to investors online or through broker-dealers. There are two tiers within Reg A+: Tier 1 allows companies to raise up to $20 million within a twelve/one/specified month period, while Tier 2 permits fundraising of up to $75 million over a similar timeframe.

To participate in a Reg A+ offering, investors typically must complete a simple verification process to ensure they meet certain income or net worth requirements. These offerings can be found on specialized Reg A+/Regulation A+ crowdfunding platforms/crowdfunding portals.

These platforms act as intermediaries, connecting companies with potential investors and facilitating the entire fundraising procedure/process/cycle.

Understanding for IPOs

Bringing a company public through an Initial Public Offering (IPO) is a complex undertaking, requiring meticulous planning and adherence to stringent regulations. The regulatory landscape surrounding IPOs can be particularly intricate, involving multiple authorities at both the federal and state levels. To ensure a successful IPO, companies must navigate these regulatory hurdles effectively by complying with disclosure requirements, undergoing review processes, and adhering to market integrity principles. Failure to do so can result in significant penalties, legal litigation, and damage to the company's reputation.

  • Companies planning an IPO must engage with regulatory advisors to ensure full compliance with applicable laws and regulations.
  • The Securities and Exchange Commission (SEC) plays a crucial role in overseeing the IPO process, examining financial statements and other materials.
  • Companies must report material information to potential investors to ensure transparency and safeguard investor interests.

Reg A+ Securities Issuances

Reg A+ offerings present a unique avenue for companies to raise capital in the public markets. By leveraging this regulation, companies can attract investments from a wider pool of participants. This process typically involves filing a registration statement with the Securities and Exchange Commission (SEC) outlining the company's business model. Reg A+ offerings are commonly used by companies in various sectors, particularly those seeking to fuel growth.

  • Some notable benefits of Reg A+ offerings include:A key advantage of Reg A+ offerings is the ability for companies to raise funds directly from investors without relying on traditional underwriting fees. This can lead to significant cost savings and allow companies to retain a larger portion of the capital raised.
  • Another benefit is the increased visibility that comes with launching a public offering.{Reg A+ offerings also provide companies with enhanced brand recognition and media attention, which can be invaluable for attracting new customers and partners.

However, it's important to note that Reg A+ offerings are not without their challenges. Companies must comply with stringent SEC regulations and prepare comprehensive disclosure documents. It also requires significant effort and resources to effectively market the offering to potential investors.

Guidelines A+ Policies

The implementation of Regulation A+ rules has significant importance in guaranteeing transparency within the financial markets. They serve to standards of compliant conduct by participants involved in issuing shares. Compliance with Regulation A+ regulations becomes mandatory for regulators to safeguard their investments.

A comprehensive understanding of Regulation A+ requirements empowers companies seeking funding and individuals investing to make informed decisions in the capital markets.

Additionally, Regulation A+ offers a well-defined process for companies can obtain financing while ensuring fairness and transparency.

SlideShare framework a securities act of 1933 jobs act 106 reg A tier 2 offering

The JOBS Act, specifically Section 106, modified Reg A+ as a streamlined route for smaller companies to raise capital. This stage 2 capital campaign under Reg A+ allows companies to publicly disclose their securities offerings through various channels, including SlideShare, to engage potential investors. SlideShare's website can be a valuable tool for companies seeking to comply with the disclosure provisions of Reg A+ Tier 2 by providing a easily navigable format to communicate their financial information and business plan with a wider audience.

  • Remember: SlideShare's platform policies should be carefully reviewed to ensure compliance with securities laws and regulations.

Controlling a Text Precisely

When dealing with text, governance becomes essential for reaching desired effects. This mechanism involves defining clear rules to guarantee uniformity and precision.

Standards for text can address a diverse range of aspects, including format, tone, and matter. By utilizing these rules, we can improve the clarity of text and minimize misinterpretations.

  • Appropriate text regulation contributes to concise messaging.
  • Regulations instill professionalism in written material.
  • Uniform text improves the aggregate value of any textual work.

Governance a+ Offering

A regulatory a+ offering entails a meticulous understanding of the changing regulatory terrain. This involves assessing relevant regulations and incorporating robust mechanisms to ensure fulfillment. A effective a+ offering should also promote transparency and foster confidence with stakeholders.

  • Key considerations when formulating a regulation a+ offering include: risk management, data security, consumer protection

Governance A Plus Benefit

When it comes to regulations, a "plus" often signifies a positive impact. A regulatory framework that's well-designed and efficiently implemented can improve safety. It can also promote innovation by providing a consistent environment for businesses to thrive. This, in turn, can lead to industrial expansion and a higher level of living. Ultimately, "regulation a plus" translates into a stronger society for all.

Regulation A

When a business is seeking to raise capital, they have several choices available. Two common approaches are Regulation A and Regulation D. Regulation A is a type of securities offering that allows companies to raise up to $1 million from the public, while Regulation D is used for private placements, permitting companies to sell securities to a limited number of investors.

  • extends greater public recognition, but it also involves more strict standards.
  • {Regulation D|Reg D|concentrates on private placements, making it a good option for companies seeking less public attention.

Ultimately, the best process will depend on the company's specific conditions and its objectives.

The FRB's Regulation A

FRB Regulation A is a framework/lays out guidelines/establishes parameters for financial institutions to follow. It focuses on safeguarding/protecting/securing depositors and maintaining financial stability/the integrity of/a sound banking system. The regulation covers/addresses/deals with a wide range/broad spectrum/comprehensive set of activities, including capital requirements/asset allocation/risk management. By adhering to these rules/provisions/mandates, financial institutions contribute to/help ensure/play a vital role in the stability and soundness of the overall financial market/economy/system.

Privacy Officer

A Data Protection Officer is a role responsible for ensuring an organization's compliance with data protection regulations. This important figurehead works to establish systems that safeguard personal data. They also {act as apoint of contact between the organization and authorities, providing support on GDPR matters.

SEC Approves New “Reg A+” Rules for Crowdfunding

In a significant move to revitalize the crowdfunding sector, the SEC|U.S. Securities and Exchange Commission has approved new rules for “Reg A+”. This administrative framework is designed to enable businesses to attract capital from a wider pool of investors.

  • Reg A+, formerly known as Regulation A, historically allows companies to sell their securities to the public excluding the traditional IPO process.
  • The new rules clarify current regulations, granting companies with enhanced autonomy in how they raise capital.
  • Such developments are anticipated to {have asubstantial impact on the crowdfunding landscape, making it for both companies seeking funding and individuals looking to invest.

Comparing Reg A and Reg D

When raising capital for a new business venture, entrepreneurs often consider the complexities of securities law. Two common avenues for securing these ventures are Regulation A+ and Regulation D, each with its own distinct website structure . Regulation A+, also known as scaled offering, allows companies to raise significant amounts of capital from the broader public. In contrast, Regulation D is primarily designed for private placements where investments are made by a limited number of accredited investors.

Rule 506 of Regulation D further segments private placements into two distinct categories: Rule 506(b) and Rule 506(c). Under Rule 506(b), companies can {raise funds from an unlimited number of accredited investors, but are restricted to offering securities to a maximum of 35 non-accredited investors. Rule 506(c), on the other hand, offers more flexibility by allowing companies to advertise and solicit investments from both accredited and non-accredited investors, provided they conduct due diligence to verify investor credentials .

Choosing between Regulation A+ and Regulation D involves diligently considering various factors such as the amount of capital required, target audience, regulatory compliance burden, and overall aspirations of the business.

Leave a Reply

Your email address will not be published. Required fields are marked *