Convert your existing Mid Oregon Online Banking login. ... Mid Oregon Credit Union PO Box 6749 Bend, OR 97708-6749. 1-800-452-3313 Routing # 323274186 NMLS #472178 . Quick Links. Apply for a Loan; Make a Loan Payment; Open an Account; Reorder Checks; Report Lost/Stolen Card; Contact Us; About Us.Mid Oregon Credit Union's Credit Savvy tool is a free feature in our Digital Banking. You receive anytime, anywhere access to your credit score, with tips for improvement, and …If you live in Portland, Oregon, you'll find there are a few options for individuals and families who are considered low-income. You can apply for Section 8 housing through the Uni...Mid Oregon Credit Union’s East Bend Branch on Cushing Drive in Bend, Oregon is open weekdays. The branch offers a full-service lobby, drive-up service, drive-up ATM, coin counting (member and team access only), and night deposit drop. Mid Oregon offers auto and mortgage loans, credit cards, IRAs and CDs, business accounts and loans, and free ...Mid Oregon Federal Credit Union Savings Rate and Fee Schedule The rates, fees and terms applicable to your account at the Credit Union are provided in this Truth-in-Savings Disclosure. The Credit Union may offer rates for these accounts from time to time. Effective Date: January 1, 2024 RATE SCHEDULE Account type Account Features Dividend RateOregon is a haven for outdoor enthusiasts, with its stunning landscapes and diverse natural beauty. From the majestic peaks of Mount Hood to the rugged coastline along the Pacific ...Discover the best digital marketing agency in Portland for you. Browse our rankings to partner with award-winning experts that will bring your vision to life. Development Most Popu...Become a member today. Mid Oregon Credit Union is a full-service, not-for-profit credit union based in Central Oregon, and owned by our members.The Employer Identification Number (EIN) for Mid Oregon Credit Union is 93-0495636. EIN numbers are also referred to as FEIN or FTIN.Mid Oregon Credit Union (MOCU) and Mid Oregon Wealth Management Retirement and Investment Planning (MOWM) are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using MOWM, and may also be employees of MOCU. These products and services are being offered through LPL or …1998-2001. Mid Oregon ushers in the 21st Century by opening its Redmond Branch at SW 17th Place in 1998, and begins a major renovation of the original Olney location. In 2001, the credit union opened its main East Bend headquarters at 1386 NE Cushing Ave. In addition, Mid Oregon cemented its ties to the community during this period by launching its first …An excavator moves rocks at the construction site at SW Bluff Drive in Bend on Friday. The site is the planned location for a MidOregon Credit Union Building. 12/01/23 (Joe Kline/The Bulletin) Joe ...Posted by midoregonadmin | Feb 25, 2016. Bill Anderson, Mid Oregon Credit Union’s President/CEO, announced the promotion of Tiffany Zeiler to Branch Manager of the new La Pine Branch. Tiffany has over 15 years in the industry as a Teller, New Account Representative, and Loan Officer. In her expanded position, Tiffany is …To give you an idea of the breadth of the locally available ATMs for Mid Oregon members, here is what a search revealed for local communities: Bend: 18 locations, including 7-Eleven stores, Rite Aid, and Costco. La Pine: 2 locations, including Shop Smart and Rays Food Place. Madras: 3 ATMs, including Warm Springs Tribal Credit.Mid-afternoon is not a precise measure of time but is rather a vague term to refer to the approximate middle of the time between 12 p.m. and sunset.Whether you’re interested in quick fixes or are looking for long-term solutions, working to improve your credit is a good idea. Below are 10 tips that will help you improve your cr...Mid Oregon Credit Union's branch on Olney Avenue in Bend Oregon is open weekdays. The branch offers a full-service lobby, drive-up service, walk-up ATM, self-service coin counting machine, and night deposit drop. Mid Oregon offers auto and mortgage loans, credit cards, IRAs and CDs, business accounts and loans, and free checking accounts …Mid Oregon Credit Union. Finance More ways to shop: Find an Apple Store or other retailer near you. Or call 1-800-MY-APPLE.Mid Oregon Credit Union has hired new Mortgage Manager Matt Mitchell to manage its expanded Home Loans division, enabling its members to apply for and receive conventional mortgage services directly from the credit union, in addition to offering a broader range of home loan options. “We are thrilled to have Matt on our team,” says …1998-2001. Mid Oregon ushers in the 21st Century by opening its Redmond Branch at SW 17th Place in 1998, and begins a major renovation of the original Olney location. In 2001, the credit union opened its main East Bend headquarters at 1386 NE Cushing Ave. In addition, Mid Oregon cemented its ties to the community during this period by launching …Mid Oregon Credit Union reaches milestone: $600 million in assets. BEND, Ore. (KTVZ) – Mid Oregon Credit Union announced Wednesday their assets have …A personal line of credit can be an important financial tool, but it’s typically only available to people with overall healthy finances, including a high credit score. If you want ...Mid Oregon Credit Union PO Box 6749 Bend, OR 97708-6749. 1-800-452-3313 Routing # 323274186 NMLS #472178 . Quick Links. Apply for a Loan; Make a Loan Payment; Open an Account; Reorder Checks; Report Lost/Stolen Card; Contact Us; About Us. Locations; ATMs; Careers; Community; Media Center; Financial Tips; Site Map; ATMs. ATMs. Branches.Inconsistencies may occur with the use of the calculator and the outcomes are not credit guarantees. For specific payment and interest information, please contact us. Mid Oregon Credit Union PO Box 6749 Bend, OR 97708-6749. 1-800-452-3313 Routing # 323274186 NMLS #472178 . Quick Links. Apply for a Loan; Make a Loan Payment; Open an Account;In the ever-evolving world of mid-size SUVs, it can be hard to decide which one is best for you. With so many options available, it’s important to consider all the factors before m...Apply for a position at Mid Oregon today. The largest, oldest financial institution headquartered in Central Oregon.The largest financial institution headquartered in Central Oregon with branch locations in Bend, Redmond, Sisters, La Pine, Prineville, and Madras. Skip to main content. Locations. Bend (Olney) East Bend; La Pine ... Mid Oregon Credit Union PO Box 6749 Bend, OR 97708-6749. 1-800-452-3313 Routing # 323274186 NMLS #472178 . Quick Links. Apply …Mid Oregon Credit Union offers a variety of options. Check out our rates and apply online or call today at 541-382-1795. Credit card management is essential to financial health. Credit cards make modern living quick, efficient, and easy—plus many credit cards come with perks and rewards. However, reaping those benefits requires you to always ...Residents of Hillsboro, a suburb 16 miles west of Portland, know how to keep busy: Activity options on a given day might include the symphony,… By clicking "TRY IT", I agree...Mid Oregon Federal Credit Union (Prineville Branch) is located at 305 NE Hickey Farms Road, Prineville, OR 97754. Contact Mid Oregon at (541) 382-1795. Access reviews, hours, contact details, financials, and additional member resources. Locations (7)Letting the credit union know that you are traveling will allow you to continue to use your cards conveniently. Contact us at [email protected], call (541) 382-1795, or download and complete our Travel Notification for Debit/Credit Card form. Mid Oregon also offers CardNav℠ , a free smart phone app which controls your debit card use ...Mid Oregon Credit Union PO Box 6749 Bend, OR 97708-6749. 1-800-452-3313 Routing # 323274186 NMLS #472178 . Quick Links. Apply for a Loan; Make a Loan Payment; Open an Account; Reorder Checks; Report Lost/Stolen Card; Contact Us; About Us. Locations; ATMs; Careers; Community; Media Center; Financial Tips; Site Map; ATMs. ATMs. …In the ever-evolving world of mid-size SUVs, it can be hard to decide which one is best for you. With so many options available, it’s important to consider all the factors before m...In August 1975, the credit union moved out of the Wauge's home into a business property. A new more modern building was constructed and opened in May 1981 at 202 NE Olney and is still an operating branch. On July 1 1982, Mid Oregon merged with Central Oregon Federal Credit Union, adding 1300 government employees in the three counties.The largest financial institution headquartered in Central Oregon with branch locations in Bend, Redmond, Sisters, La Pine, Prineville, and Madras. Skip to main content. Locations. Bend (Olney) East Bend; ...Mid Oregon Credit Union PO Box 6749 Bend, OR 97708-6749. 1-800-452-3313 Routing # 323274186 NMLS #472178 . Quick Links. Apply for a Loan; Make a Loan Payment; Open an Account; Reorder Checks; Report Lost/Stolen Card; Contact Us; About Us. Locations; ATMs; Careers; Community; Media Center; Financial Tips; Site Map; ATMs. ATMs. …Mid Oregon Credit Union's branch on Olney Avenue in Bend Oregon is open weekdays. The branch offers a full-service lobby, drive-up service, walk-up ATM, self-service coin counting machine, and night deposit drop. Mid Oregon offers auto and mortgage loans, credit cards, IRAs and CDs, business accounts and loans, and free checking accounts …Mid Oregon Credit Union traces its roots back to 1957 as the first credit union established in Central Oregon by a group of teachers and school employees in Prineville. Today, Mid Oregon Credit Union is the only Credit Union headquartered and doing business solely in Central Oregon. Mid Oregon serves Deschutes, Jefferson, and Crook Counties.FRANKLIN OREGON TAX FREE INCOME FUND CLASS A- Performance charts including intraday, historical charts and prices and keydata. Indices Commodities Currencies StocksIn the ever-evolving world of mid-size SUVs, it can be hard to decide which one is best for you. With so many options available, it’s important to consider all the factors before m...Mid Oregon debit cards are free for all our checking accounts, and give access to 30,000 surcharge-free CO-OP Network ATMs in the U.S., and 800,000 worldwide. ... Mid Oregon Credit Union PO Box 6749 Bend, OR 97708-6749. 1-800-452-3313 Routing # 323274186 NMLS #472178 . Quick Links. Apply for a Loan; Make a Loan Payment; Open an Account;Mid Oregon Credit Union is part of the CO-OP ATM network so you have access to nearly 30,000 surcharge-free ATMs in all 50 states! Mid Oregon Credit Union PO Box 6749 Bend, OR 97708-6749. 1-800-452-3313 Routing # 323274186 NMLS #472178 . Quick Links. Apply for a Loan; Make a Loan Payment; Open an Account;Mid Oregon is a 501 (c)1 corporation. Become a member today. Mid Oregon Credit Union is a full-service, not-for-profit credit union based in Central Oregon, and owned by our …Just hit the green button at the top of the page to sign in or enroll today! The largest financial institution headquartered in Central Oregon with branch locations in Bend, Redmond, …Credit union rules and regulations apply. Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented. Mid Oregon offers free checking accounts, including Simply Free Checking, with free online banking. Open online or in person. 30,000 surcharge-free ATMs and more.Mar 13, 2024 · A credit score over 620. Borrowers will typically need to have a credit score of at least 620 to qualify for a home equity loan or HELOC. The higher your credit score, the stronger your ... Advertisement. A Boeing plane lost an external panel mid-flight before landing safely in Oregon, in the latest embarrassment for the airline manufacturer. A spokesperson for …Bend Chamber of Commerce Board of Directors 2008 to present, Chamber Treasurer 2011, Board Chairman 2013<br>Western CUNA Management School Pomona 2006<br>Belize Credit Union League presenter 2007 ...by Mid Oregon Credit Union | Feb 28, 2023 | Blog, Credit, Finances | 0 . Many Americans struggle financially, living paycheck to paycheck, hoping they have enough to cover... Read More. Start 2023 with a Financial Fitness Plan. by Mid Oregon Credit Union | Dec 30, 2022 | Credit, Featured, Finances, Loans | 0 .Bend Chamber of Commerce Board of Directors 2008 to present, Chamber Treasurer 2011, Board Chairman 2013<br>Western CUNA Management School Pomona 2006<br>Belize Credit Union League presenter 2007 ...How much will it cost to construct a custom home in the state of Oregon? Find out in our in-depth guide. Expert Advice On Improving Your Home Videos Latest View All Guides Latest V...Manage your money online with Mid Oregon's digital banking platform. View accounts, transfer funds, deposit checks, apply for loans, view credit score, and m…Antonio Island is a fictitious location off the coast of Oregon. The 2005 horror movie “The Fog,” starring Tom Welling and Maggie Grace and directed by Rupert Wainwright, featured ...Mid Oregon FCU Branch Location at 395 SE 5th St, Madras, OR 97741 - Hours of Operation, Phone Number, Services, Routing Numbers, Address, Directions and Reviews.Mid Oregon Credit Union PO Box 6749 Bend, OR 97708-6749. 1-800-452-3313 Routing # 323274186 NMLS #472178 . Quick Links. Apply for a Loan; Make a Loan Payment; Open an Account; Reorder Checks; Report Lost/Stolen Card; Contact Us; About Us. Locations; ATMs; Careers; Community; Media Center; Financial Tips; Site Map; ATMs. ATMs. …Mid Oregon Credit Union PO Box 6749 Bend, OR 97708-6749. 1-800-452-3313 Routing # 323274186 NMLS #472178 . Quick Links. Apply for a Loan; Make a Loan Payment; Open an Account; Reorder Checks; Report Lost/Stolen Card; Contact Us; About Us. Locations; ATMs; Careers; Community; Media Center; Financial Tips; Site Map; ATMs. ATMs. …In August 1975, the credit union moved out of the Wauge's home into a business property. A new more modern building was constructed and opened in May 1981 at 202 NE Olney and is still an operating branch. On July 1 1982, Mid Oregon merged with Central Oregon Federal Credit Union, adding 1300 government employees in the three counties.Inconsistencies may occur with the use of the calculator and the outcomes are not credit guarantees. For specific payment and interest information, please contact us. Mid Oregon Credit Union PO Box 6749 Bend, OR 97708-6749. 1-800-452-3313 Routing # 323274186 NMLS #472178 . Quick Links. Apply for a Loan; Make a Loan Payment; Open an Account;ACH Origination is available on all Mid Oregon Business Checking accounts. Includes 1 free token; $5 batch processing fee, and $25 replacement token fee. Commercial Checking Account monthly fee waived with $50,000 average aggregate daily balance (combined loans and deposits) on that account. Other fees such as non-sufficient funds, overdraft ...Discover the best digital marketing agency in Portland for you. Browse our rankings to partner with award-winning experts that will bring your vision to life. Development Most Popu...Are you planning a camping trip in Oregon and looking for the perfect trailer to enhance your outdoor adventure? Look no further than the Little Guy XL Teardrop trailer. This compa...Mid Oregon Federal Credit Union has teamed up with TurboTax to save you up to $15 on TurboTax Federal products. The Mid Oregon Wealth Management program is offered through CUNA Brokerage Services, Inc.*, a broker/dealer focused on serving credit union members. CUNA Brokerage Services, Inc. is an affiliate of CUNA Mutual Group.Mid Oregon Credit Union is celebrating 60 years of serving members in Central Oregon. We think our 60th year might be our best year yet! Read More. Latest Updates. Smart Money Moves: Making the Most of Your Extra Cash. Expect more sophisticated cyberattacks in 2024.Mid Oregon offers Business Checking Accounts to help you manage your finances easily and conveniently. Each of our checking accounts include the following features: Services for complex business needs. Ask us about ACH Origination and wire services, and Remote Deposit Capture and our Commercial Checking account for those depositing more than ...Convert your existing Mid Oregon Online Banking login. ... Mid Oregon Credit Union PO Box 6749 Bend, OR 97708-6749. 1-800-452-3313 Routing # 323274186 NMLS #472178 . Quick Links. Apply for a Loan; Make a Loan Payment; Open an Account; Reorder Checks; Report Lost/Stolen Card; Contact Us; About Us.Mid Oregon is a 501 (c)1 corporation. To become a member of Mid Oregon Credit Union, simply complete our membership application and deposit $5 into a Regular Share Savings Account and pay a one-time new account fee of $10. Then, you're eligible for all the benefits of credit union membership.Mid Oregon Credit Union offers a variety of options. Check out our rates and apply online or call today at 541-382-1795. Credit card management is essential to financial health. Credit cards make modern living quick, efficient, and easy—plus many credit cards come with perks and rewards. However, reaping those benefits requires you to always ...Mid Oregon Credit Union has a web-based resource that will help you educate yourself on the risks and prevention of fraud. In our ever-changing world of technology and money management, you need up-to-date information and resources to protect yourself. From the www.MidOregon.com homepage click on the “Resource” icon in the top navigation ...Mid Oregon Credit Union offers free checking, auto and home loans, online banking, investing, business banking and more. Find branches in Bend, Redmond, La Pine, …Mid Oregon Credit Union is a full-service, member-owned, financial cooperative that has served Central Oregonians for 58 years. With over 24,000 members in Deschutes, Jefferson and Crook counties, Mid Oregon Credit Union is helping meet member needs and achieve financial dreams. For more information about Mid Oregon …Individuals can find mugshots for current inmates held at the Jackson County jail, located in Medford, Oregon, by visiting the jail’s website, searching for inmates by name and cli...If you grew up during the 1980s and 1990s, you’re probably familiar with the computer game The Oregon Trail. It takes place in the year 1848, and players are the leaders of their o...Mid Oregon Federal Credit Union Savings Rate and Fee Schedule The rates, fees and terms applicable to your account at the Credit Union are provided in this Truth-in-Savings Disclosure. The Credit Union may offer rates for these accounts from time to time. Effective Date: January 1, 2024 RATE SCHEDULE Account type Account Features Dividend RateMar 13, 2024 · A credit score over 620. Borrowers will typically need to have a credit score of at least 620 to qualify for a home equity loan or HELOC. The higher your credit score, the stronger your ... For the first time since winter 2020, Free Family Saturdays return to the High Desert Museum. On Saturday, February 11 and 25, visitors will get free admission to the Museum. Free Family Saturdays are made possible by Mid Oregon Credit Union. Both the museum and Mid Oregon are excited that, after three years free days return!Posted 12:18:58 AM. Student Branch Overview Mid Oregon Credit Union offers the Student Branch Program to provide a…See this and similar jobs on LinkedIn.1998-2001. Mid Oregon ushers in the 21st Century by opening its Redmond Branch at SW 17th Place in 1998, and begins a major renovation of the original Olney location. In 2001, the credit union opened its main East Bend headquarters at 1386 NE Cushing Ave. In addition, Mid Oregon cemented its ties to the community during this period by launching its first …Mid Oregon Federal Credit Union Checking Rate and Fee Schedule The rates, fees and terms applicable to your account at the Credit Union are provided in this Truth-in-Savings Disclosure. The Credit Union may offer rates for these accounts from time to time. Effective Date: January 1, 2024 RATE SCHEDULE Account type Account Features Dividend Rate1 / 14. Oregon Starts SHUTTING DOWN Small Farms “To Protect The People” ©Image Credit: ISoldMyHouse. Oregon, often praised for its lush landscapes and …Mid Oregon Credit Union Annual Report 2020 Federally Insured by NCUA. Balance Sheet (as of December 31, 2020) $171,297,955 $96,883,043 $86,972,891 $618,380 ... 2020 Mid Oregon Annual Report. Mid Oregon Credit Union Board of Directors Michael Powell, Chairman Tim Johnson, Vice Chair John Rexford, SecretaryMar 13, 2024 · A credit score over 620. Borrowers will typically need to have a credit score of at least 620 to qualify for a home equity loan or HELOC. The higher your credit score, the stronger your ... My debit card was lost/stolen. If you believe your card might be compromised, call us right away at 541-382-1795 or toll-free at 800-452-3313 during business hours. After hours, call 888-241-2440. If you want to manage your debit card from your mobile device, including turning it off and on whenever you want, download our Digital Banking App.470769. VISA. CREDIT. CLASSIC. 🇺🇸UNITED STATES. Information on BIN numbers issued by MID OREGON F.C.U.. Click to view all of the codes now.2 days ago · Nix closes career with 5 TD passes, No. 8 Oregon rolls over Liberty 45-6 in Fiesta Bowl Wyden talks about child tax credit, reining in drug prices and the TikTok debate during KTVZ visit Mid Oregon Credit Union traces its roots back to 1957 as the first credit union established in Central Oregon by a group of teachers and school employees in Prineville. Today, Mid Oregon Credit Union is the only Credit Union headquartered and doing business solely in Central Oregon. Mid Oregon serves Deschutes, Jefferson, and Crook Counties.Oregon is a haven for outdoor enthusiasts, with its stunning landscapes and diverse natural beauty. From the majestic peaks of Mount Hood to the rugged coastline along the Pacific ...Mid Oregon Credit Union Routing/Transit number: 323274186. Authorization for Canceling Automatic Payments Send written notices to companies who automatically take payments from your checking account (utilities, mortgage, insurance, brokerage, credit cards, internet service providers, transfers to other banks, child support or court issued ...Mid Oregon Credit Union PO Box 6749 Bend, OR 97708-6749. 1-800-452-3313 Routing # 323274186 NMLS #472178 . Quick Links. Apply for a Loan; Make a Loan Payment; Open an Account; Reorder Checks; Report Lost/Stolen Card; Contact Us; About Us. Locations; ATMs; Careers; Community; Media Center; Financial Tips; Site Map; ATMs. ATMs. …Jenny Vessey has years of experience helping Central Oregon families buy, refinance, build or remodel their homes. Help with conventional and nonconforming loans, investment properties—even bare land! ... Mid Oregon Credit Union PO Box 6749 Bend, OR 97708-6749. 1-800-452-3313 Routing # 323274186 NMLS #472178 . Quick Links. Apply for a …Mar 13, 2024 · A credit score over 620. Borrowers will typically need to have a credit score of at least 620 to qualify for a home equity loan or HELOC. The higher your credit score, the stronger your ...
Mid Oregon Credit Union's branch on NE Hickey Farms Road in Prineville Oregon is open weekdays. The branch offers a full-service lobby, drive-up ATM, coin counting (member and team access only), and night deposit drop. Mid Oregon offers auto and mortgage loans, credit cards, IRAs and CDs, business accounts and loans, and free checking accounts .... Bodi on demand
Jun 30, 2022 ... Mid Oregon Credit Union. 30 Jun 2022. . In observance of Independence Day, all Mid Oregon locations will be ... Toll-Free: (800) 452-3313. Text: (541) 382-1795. Report Phone Problem. Address: Mid Oregon Federal Credit Union Redmond Branch 2625 SW 17th Place Redmond, OR 97756. Website: Visit Website. Mid Oregon Federal Credit Union is headquartered in Bend and is the 11 th largest credit union in the state of Oregon. It is also the 584 th largest credit union in the nation. It was established in 1957 and as of December of 2023, it had grown to 146 employees and 46,635 members at 9 locations.Mid Oregon Federal Credit Union's savings rates are …In the ever-evolving world of mid-size SUVs, it can be hard to decide which one is best for you. With so many options available, it’s important to consider all the factors before m...Inconsistencies may occur with the use of the calculator and the outcomes are not credit guarantees. For specific payment and interest information, please contact us. Mid Oregon Credit Union PO Box 6749 Bend, OR 97708-6749. 1-800-452-3313 Routing # 323274186 NMLS #472178 . Quick Links. Apply for a Loan; Make a Loan Payment; Open an Account;Visit any Mid Oregon branch and open a savings account with a minimum $5 deposit. You will also need to have your child's Social Security Number (physical card not required to get started). Your child must be primary on the account. The one-time $10 new member fee is waived for minor children. Learning to save can be one of the most important ...A Verizon Wireless customer from Oregon checked his account balance over the phone and was astonished to learn it over $2 million. By clicking "TRY IT", I agree to receive newslett...Mid Oregon Credit Union mobile banking app provides you with safe and secure access to your accounts anytime, anywhere. Our mobile app is FREE and allows you to: • Check account balances. • Transfer funds. • Turn your debit card on/off. • Deposit checks. • Pay your bills. • Locate an ATM or Branch. • View account activity.A number of savings options are available to members of Mid Oregon Federal Credit Union. You can choose the right plan for your needs. Mid Oregon Credit Union PO Box 6749 Bend, OR 97708-6749. 1-800-452-3313 Routing # 323274186 NMLS #472178 . Quick Links. Apply for a Loan; Make a Loan Payment;Mid Oregon Credit Union PO Box 6749 Bend, OR 97708-6749. 1-800-452-3313 Routing # 323274186 NMLS #472178 . Quick Links. Apply for a Loan; Make a Loan Payment; Open an Account; Reorder Checks; Report Lost/Stolen Card; Contact Us; About Us. Locations; ATMs; Careers; Community; Media Center; Financial Tips; Site Map; ATMs. ATMs. Branches.Mid Oregon Credit Union. Finance More ways to shop: Find an Apple Store or other retailer near you. Or call 1-800-MY-APPLE.The Oregon Residential Landlord Tenant Act is codified in the Oregon Revised Statutes Sections 90.100 to 90.875. The act has been in effect since October 5, 1973, and it covers all....