107 0 obj<>stream 0000000016 00000 n The Reinsurer shall pay to the Reinsured the sum of US $2,977,011.00, representing the full amount of the Reinsurer's obligations to the Reinsured as set forth in the attached Commutation Settlement Schedule. Total and Partial Assumption Reinsurance for Domestic Companies Checklist for Total and Partial Assumption Reinsurance Agreements involving at least one Texas domestic insurance company PDF: English: FIN346 . Document Date: 1/3/2019, Parties: MAIDEN HOLDINGS, LTD. | AmTrust Europe Limited | AMTRUST INTERNATIONAL INSURANCE, LTD | AmTrust Title Insurance Company | IGI Insurance Company Limited | MAIDEN REINSURANCE LTD | Technology Insurance Company, Inc 105 13 So, engage in cordial deals with potential partners. n.f Facultative Reinsurance Agreement texas.gov Details File Format PDF Size: 29.9 KB Download 3. Financial security through avoidance of shelling out vast sums of money is one key strategy to stay afloat. ", (This approach is consistent with the requirements put forth under Statements of Statutory Accounting Principles No. These Reinsurance Agreements are actual legal documents drafted by top law firms for their clients. SF 273 - Reinsurance Agreement for a Bonds Statute Performance Bond - Renewed - 8/31/2022. That is why mutual understanding needs to have a symbolic yet functional gesture. Our dedicated reinsurance collateral trust team provides trust services for clients who are looking for collateral posting alternatives. Document Date: 11/7/2018, Parties: CNO FINANCIAL GROUP, INC. | Bankers Life and Casualty Company | Ceding Company | CNO Financial Group, Inc | Unaudited Pro Forma Condensed Consolidated Financial | Wilton Reassurance Company Governing Law:New York, Parties: ARGO GROUP INTERNATIONAL HOLDINGS, LTD. | Argo Group International Holdings, Ltd | JC Flowers Co For one, the principal firm distributes its obligation to other willing partners who see the agreement as an opportunity. Preference Shareholders, AMENDED AND RESTATED QUOTA SHARE REINSURANCE AGREEMENT (hereinafter referred to as the "Agreement"), FIRST AMENDMENT TO REINSURANCE AGREEMENT (FA BUSINESS), in the amount of $ 17,895,838 made by the Reinsurer with respect to the Commuted Business from 1. Definition Reinsurance Agreement agreement by which one insurance company transfers risk to another (buys reinsurance). 2. Each of your reinsurance contracts with multiple reinsured companies must be modified either by having only one named reinsured per agreement or adding an article which defines the contract in terms of each individual reinsured. Ambiguities, as we have discussed before, see " Adventures in Contract Wording: The Effect of Ambiguous Reinsurance . The Commutation Payment plus interest on that amount at the rate of3.3% per annum from January I, 2019 through the Eflective Date, inclusive of both dates, shall be made, Reinsurance Agreement #I478580US-13 This Automatic Self Administered Accidental Death Benefit Rider Policy Coinsurance. Document Date: 5/28/2019, Parties: AMBAC FINANCIAL GROUP INC If you are unable to find the answer to your insurance question here, check our FAQs. Governing Law:Texas, Parties: UNICO AMERICAN CORP | CRUSADER INSURANCE COMPANY | UNIFAX INSURANCE SYSTEMS, INC | UNITED SPECIALTY INSURANCE COMPANY Reinsurance Brokerage Agreement for MAIDEN HOLDINGS, LTD., AII Reinsurance Broker Ltd, AmTrust Financial Services, Inc, Maiden Insurance Company, Ltd - Sample agreements, legal documents, and contracts from RealDealDocs. Participation Agreement Details File Format Google Docs MS Word Pages Size: A4 & US Download - review of third party reports and ensure accurate inputs into underwriting system. Governing Law:New York, Parties: OSCAR HEALTH, INC. | Ceding Company | Oscar Insurance Company of Texas | Oscar Insurance Corporation means all reinsurance or coinsurance treaties and agreements to which the Reinsurer is or becomes a party, as retrocedent, and that relate to the retrocession by the Reinsurer of risks assumed under this Agreement, including (a) all reinsurance or coinsurance treaties and agreements in force as of the date of this Agreement to which the Reinsurer is a . The only time this requirement is relaxed, is where there is an underlying pooling arrangement which specifically sets forth each pool member's responsibility. reserves, including IBNR, and ULAE (ULAE in this instance being those. Many of the questions contained herein were derived from enquiries OSFI has received through its interaction with . Governing Law:Illinois, Parties: VERICITY, INC. | COMBINED INSURANCE COMPANY OF AMERICA | Fidelity Life Association Conditions 2.3. Oct 26, 2022 (The Expresswire) -- In 2022, Current Agriculture Reinsurance Market Size with Newest [126] Pages Report The latest Agriculture Reinsurance. HWrH}W#eqs;O*V6eE$&! Coverage 2.2. So follow the simple list below to get the arrangement going. SF 274 - Reinsurance Agreement for a Bonds Statute Payment Bond - Renewed - 8/31/2022. The Standard Reinsurance Agreement (SRA) and the Livestock Price Reinsurance Agreement (LPRA) are cooperative financial assistance agreements between the Federal Crop Insurance Corporation (FCIC) and an insurance company. Reinsurance. Find Many Written Agreements and More Only Here at Template.net. Commutation of Ceded Reinsurance Risk assumed USD 1,00,000 (same type of risk) Therefore, risk distribution under this reinsurance arrangement will be : Direct insurer 10% = USD 10,000 All Reinsurers 90% = USD 90,000 100%=USD 1,00,000 0000001111 00000 n equal to one hundred (100%) percent of the Company's Unearned Premium Reserve on. Spare yourself from the strong likelihood ofcapital depletion by engaging other firms with reinsurance agreements. Reinsurance contracts are filled with exotic and, to the uninitiated, mind-numbing words like "treaty," "facultative certificate," "cede," "bordereau," "follow-the-fortunes," "honorable engagement," "ultimate net loss," and more. Participation Agreement 2. XXII ENTIRE AGREEMENT 12 XXIII SEVERABILITY 13 XXIV GOVERNING LAW 13 XXV ACCESS TO RECORDS 13 -ii- XXVI CONFIDENTIALITY 13 XXVII INSOLVENCY 14 XXVIII ARBITRATION 14 XXIX EXPEDITED ARBITRATION 15 . 1058+ FREE & Premium Agreement Templates - Download NOW Beautifully Designed, Easily Editable Templates to Get your Work Done Faster & Smarter. intel nuc dual nic pfsense . SUCH EXCLUDED INFORMATION IS, AMENDMENT 2 TO QUOTA SHARE REINSURANCE AGREEMENT BETWEEN OSCAR INSURANCE CORPORATION AND AXA FRANCE VIE, CERTAIN INFORMATION IN THIS DOCUMENT, MARKED BY [***] HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(b)(10)(iv). FCIC is a government corporation within USDA authorized to carry out programs of the Federal Crop Insurance Act. Document Date: 8/7/2018, Parties: TRUPANION INC. | OMEGA GENERAL INSURANCE COMPANY | WYNDHAM INSURANCE COMPANY (SAC) LIMITED The Risk Management Agency acts on behalf of FCIC to administer all Federal crop insurance programs. It will be a nightmare if a firm is incapable of attending to their obligations when the time comes. AMENDMENT TO QUOTA SHARE REINSURANCE AGREEMENT, ENDORSEMENT NO. Territory 2.4. Duck Creek leads a new era in reinsurance software with its agreement to acquire the premier cloud-based solution, Prima XL, AGGREGATE EXCESS OF LOSS REINSURANCE AGREEMENT by and between HARTFORD FIRE INSURANCE COMPANY AND THE HARTFORD INSURERS and NATIONAL INDEMNITY COMPANY Dated as of December 30, 2016, LOSS PORTFOLIO TRANSFER REINSURANCE AGREEMENT, Quad M Solutions Inc . The objective of this implementation guide is to specify the rules to be followed to create standard global placing documents, covering insurance and reinsurance risks placed 100% with a single insurer or in a subscription market. The FCIC promotes the economic stability of agriculture through a sound system of crop insurance. Flowers, American Financial Group, Inc. Document Date: 5/4/2022, Parties: HARTFORD FINANCIAL SERVICES GROUP, INC. | FIRST STATE INSURANCE COMPANY | Hartford Fire Insurance Company | Hartford Fire Pool Companies | National Indemnity Company | New England Insurance Company | New England Reinsurance Corporation )6j("tYCc)"h0\& &_(bUdKm@Y Although the apparent deals are always between clients, arrangements between other insurance firms are strategic alliances. A domestic company can retain this language in its reinsurance agreements provided an exclusionary clause with the following language is inserted in the applicable articles: In no event shall coverage be provided to the extent that such coverage is not permitted under New York law.. The loss is $200,000. All Rights Reserved 2014 - 2022 Template.net, 1058+ FREE & Premium Agreement Templates - Download NOW. However, avoidance here does not mean negligence but finding cunning ways to distribute the financial obligation through reinsurance. {/>*= 7D#JwznHvhLkDW/XVe19Lu:bv allowing for earlier creation of the insurance/reinsurance policy). Resources for you to learn and succeed as a farmer or rancher. Do remember that when the obligations come in like a flood, you will never walk alone. I4$_) &0-*30 Thus, exert effort in trying to find willing partners as this is the crucial step in reinsurance. - earning pattern development. ib math applications and interpretation ia examples statistics. Governing Law:Texas, Parties: VOYA FINANCIAL, INC. | America (Bermuda) Ltd | Appleby (Bermuda) Ltd | Denver International Limited | Denver, CO | Hannover Life Reassurance Company of America 200 South Orange Avenue, Suite 1900 | Voya Services Company 11+ Reinsurance Agreement Templates 1. REINSURANCE AGREEMENT for a BONDS STATUTE PERFORMANCE BOND . Agreement on Insurance and Reinsurance europa.eu Details File Format PDF Size: 43.4 KB Download 2. Governing Law:New York, Parties: OSCAR HEALTH, INC. For example, one reinsurance company may agree to indemnify 75% of the original insurer's automobile policies up to a $100 million limit. Document Date: 6/19/2020 Using Company templates and disclaimers, when applicable, draft and secure broker sign off of the initial request for renewal information, marketing list, placement process updates, final binding . The SRA and LPRA establish the terms under which FCIC provides reinsurance and subsidies on eligible crop insurance contracts sold by the insurance company. 1 TO QUOTA SHARE REINSURANCE AGREEMENT BETWEEN OSCAR INSURANCE COMPANY OF FLORIDA AND AXA FRANCE VIE, RESCISSION AGREEMENT TO THE QUOTA SHARE REINSURANCE AGREEMENT BY AND AMONG UNITED SPECIALTY INSURANCE COMPANY AND CRUSADER INSURANCE COMPANY AND UNIFAX INSURANCE SYSTEMS, INC, SECOND AMENDED AND RESTATED REINSURANCE AGREEMENT (A) [SLD Business], AMENDED AND RESTATED REINSURANCE AGREEMENT (C), AMENDED AND RESTATED REINSURANCE AGREEMENT (B), HARM TO THE REGISTRANT IF PUBLICLY DISCLOSED. Mine Stone Reinsurance Agreement wcra.biz Details File Format PDF Size: 139.9 KB Download 4. Plus, you need to give them a convincing presentation that will remove their doubts. After issuing 65 policies, the unaffiliated ceding insurer stopped issuing policies to the HR company's clients and demanded that the . The loss must be due to the reasons that come under the insurance policy. Property And Casualty Reinsurance Providers Market 2022 | Business Overview, New Trends, Growth Rate, and Forecast To 2030 Published: Oct. 26, 2022 at 1:22 a.m. Governing Law:New York, Parties: US ALLIANCE CORP | American Life Security Corp | Dakota Capital Life Insurance Company | Notices and Other Communications | US Alliance Life and Security Company Even nations that cooperate to have ventures and projects engage in negotiations that bind them towards their obligations. Several common reasons for reinsurance include: 1) expanding the insurance company's capacity; 2) stabilizing underwriting results; 3) financing; 4) providing catastrophe protection; 5) withdrawing from a line or class of business; 6) spreading risk; and 7) acquiring expertise. Bulletins and Memos Bulletins and Memos; Crop Policies Crop Policies; Final Agency Determinations Final Agency Determinations; General Policies General Policies; Insurance Plans Insurance Plans; Appendix III/M-13 Handbook Index Appendix III/M-13 Handbook Index; Program Administration (14000) Program Administration (14000) Coverage Plans (18000) Coverage Plans (18000) Document Date: 3/1/2019, Parties: TRUPANION, INC. | OMEGA GENERAL INSURANCE COMPANY | WYNDHAM INSURANCE COMPANY (SAC) LIMITED Use them for competitive intelligence, drafting documents or to get information about transactions within a particular industry or sector. Find a crop or livestock insurance agent in your area along with directions to their office. Governing Law:Texas, Parties: MAIDEN HOLDINGS, LTD. | AMTRUST INTERNATIONAL INSURANCE, LTD | MAIDEN REINSURANCE LTD Conditions 2.3. Document Date: 6/28/2022, Parties: NMI HOLDINGS, INC. | NMI Holdings, Inc Reports First Quarter 2022 Financial | Non-GAAP Financial J8m}7M'I2!H|y&7rs7t5JDk0hq5I;qUGy5tB Z%hyPV9p{U`FfWe&g~-V.-rOsk[JYVTrEO\ *vm|V-]_;z8N( 0000002093 00000 n Cooperation Agreement 10+ Reinsurance Contract Templates in Google Docs | Word | Pages | PDF 1. II Reinsurer agrees that Insured shall have the right to commence a legal action to enforce this Agreement against it in THE STATE IN WHICH THE LAND IS LOCATED OR IN any state where Reinsurer is qualified to Document Date: 8/9/2019, Parties: KINGSTONE COMPANIES, INC. | Kingstone Companies, Inc | Kingstone Insurance Company Reinsurance Agreement, INDEMNITY REINSURANCE AGREEMENT (COMBINED BLOCK), INDEMNITY REINSURANCE AGREEMENT (TRANSITION BLOCK) by and between COMBINED INSURANCE COMPANY OF AMERICA ("REINSURER") and FIDELITY LIFE ASSOCIATION (" COMPANY "), Reinsurance Agreement #I486326US-14 This Automatic Self Administered Coinsurance Reinsurance Agreement, Unaudited Pro Forma Condensed Consolidated Statements of Operations, Execution of the COFINA Plan of Adjustment in the first quarter of 2019 resolved 78% of Ambac's total exposure to Puerto Rico; Net Par exposure to Puerto Rico's COFINA bonds reduced by 75, AGREEMENT NUMBER: 2015003 ADDENDUM#5 QUOTA SHARE REINSURANCE AGREEMENT, ANNUITY REINSURANCE AGREEMENT between HARTFORD LIFE INSURANCE COMPANY (the "Company") and COMMONWEALTH ANNUITY AND LIFE INSURANCE COMPANY BRIGHTON, MASSACHUSETTS (the "Reinsurer") Dated June 1, 2018, EMC INSURANCE COMPANIES AMENDED AND RESTATED REINSURANCE POOLING AGREEMENT BETWEEN EMPLOYERS MUTUAL CASUALTY COMPANY AND CERTAIN OF ITS AFFILIATED COMPANIES EFFECTIVE JANUARY 1, 2017, AGREEMENT NUMBER: 2015003 ADDENDUM#4 QUOTA SHARE REINSURANCE AGREEMENT. Reporting directly to CFO. Use them for competitive intelligence, drafting documents or to get information about transactions within a particular industry or sector. 1WKa"`$wcT. 1. In other words, you can describe it as insurance that the insurance companies apply for. Application for Resident or Nonresident Reinsurance Intermediary Broker or Manager is a legal document that was released by the Louisiana Department of Insurance - a government authority operating within Louisiana.. Form Details: Released on August 1, 2022; The latest edition currently provided by the Louisiana Department of Insurance; Parties: PRIMERICA, INC. | Bank of New York Mellon | Insurance Trust Group | Primerica Life Insurance Company | SWISS RE LIFE HEALTH AMERICA INC | Swiss Re Management AG | Swiss Reinsurance Company Ltd At the stages of the Kop Anfield, you can hear the singing of the song You Will Never Walk Alone by the die-hard Liverpool football fans. Document Date: 11/9/2018, Parties: AMTRUST FINANCIAL SERVICES, INC. | AmTrust Europe Limited | AMTRUST INTERNATIONAL INSURANCE, LTD | AmTrust Title Insurance Company | IGI Insurance Company Limited | MAIDEN REINSURANCE LTD | Technology Insurance Company, Inc What is an agreement without understanding? Document Date: 3/18/2020, Parties: ATHENE HOLDING LTD | ANNUITY COMPANY | ATHENE ANNUITY LIFE ASSURANCE COMPANY | Ceding Company | VOYA INSURANCE "Agreement" means this Standard Reinsurance Agreement, including Appendices, the Act, and regulations, in effect as of the July 1 start of the reinsurance year, unless otherwise provided for in the Agreement. endstream endobj 106 0 obj<> endobj 108 0 obj<> endobj 109 0 obj<>/ProcSet[/PDF/Text]/ExtGState<>>> endobj 110 0 obj<> endobj 111 0 obj<> endobj 112 0 obj<> endobj 113 0 obj<> endobj 114 0 obj<> endobj 115 0 obj<> endobj 116 0 obj<> endobj 117 0 obj<>stream Document Date: 11/9/2018, Parties: FEDNAT HOLDING CO | FEDNAT INSURANCE COMPANY Sunrise, Florida and SWISS REINSURANCE AMERICA CORPORATION | TERMINATION 3 III TERRITORY 4 IV RETENTION 4 V DEFINITIONS 4 VI EXCLUSIONS 8 VII SPECIAL ACCEPTANCE 11 VIII INTERNATIONAL TRADE CONTROLS AND ECONOMIC SANCTIONS 11 IX REINSURANCE PREMIUM 11 X SLIDING SCALE COMMISSION FCIC is a government corporation within USDA authorized to carry out programs of the Federal Crop Insurance Act. 's Subsidiary NuAxess 2, Inc. enters into a sales, marketing and reinsurance agreement with Mammoth Life and Reinsurance LLC, Midwest Holding Announces Strategic Reinsurance Relationship with American Republic Insurance Company, a Subsidiary of American Enterprise Group, AMENDMENT NO. Document Date: 11/2/2020, Parties: AMERICAN FINANCIAL GROUP INC | American Financial Group, Inc | Commonwealth Annuity and Life Insurance Company | Global Atlantic Financial Group Limited | Great American Life Insurance Company ,AlQ]Cyt2)~gkkQN>Q?#ovxy/sE=\|mr4ch mg 'xLd(Kw&n zlb=H&-g[ybZcsE7}|K_uCFe:'%3I3:|Ec;|)8?`Tf 2n|ZyaBz=)|Oh!^o y]r6oU u=G2l i0#>L_a`(,+p no calcium before mammogram. Finding other companies that can help you with reinsurance is a tough job. EXHIBIT B TO STOCK PURCHASE AGREEMENT 4835-3187-5659.8 REINSURANCE AGREEMENT THIS 100% QUOTA SHARE REINSURANCE AGREEMENT (this "Agreement") is made and entered into as of _____, 2017, by and between The Omaha Indemnity Company, a Wisconsin domiciled insurance company (the "Ceding Company"), and Property and Casualty Company of Omaha, a Nebraska domiciled insurance The only time this requirement is relaxed, is where there is an underlying pooling arrangement which specifically sets forth each pool member's responsibility. Document Date: 2/5/2021 Reinsurance Agreement means any agreement, contract, treaty, certificate or other arrangement whereby any Regulated Insurance Company agrees to transfer, cede or retrocede to another insurer or reinsurer all or part of the liability assumed or assets held by such Regulated Insurance Company under a policy or policies of insurance issued by such Regulated . Document Date: 6/19/2020 Document Date: 9/11/2020, Parties: MERIT LIFE INSURANCE CO. | JPMORGAN CHASE BANK, NA | Merit Life Insurance Co | Triton Insurance Company There is an upper limit of $80,000. All reinsurance agreements are to contain the following provisions/clauses (further revisions and amendments may be required depending upon our review of the reinsurance agreements): If the reinsurance agreement contains language providing for reimbursement for "fraud or bad faith" such language is to be deleted. For Big, Small, and Every Business, Template.net is Here For You. Delegated Entity Data Form Sample format for use by HMOs and WC HCNs when submitting delegation agreements to the Texas Department of . 0000000897 00000 n Reinsurance Operations Accounting and Reporting. This Reinsurance Agreement shall protect the Company as provided in Article 1 Business Covered in connection with Loss in excess of the limit of the original Policy, such Loss in excess of the limit having been incurred because of failure by the Company to settle within the Policy limit or by reason of alleged or actual negligence, fraud or . An agreement in which the ceding company pays the reinsurer a premium over a specified number of years which is intended to fully fund a specific . Definitions Article II. In this type of reinsurance, the insurer secures the coverage from his reinsurer for unwanted loss. Governing Law:Nebraska, Parties: OSCAR HEALTH, INC. | Ceding Company | Oscar Insurance Corporation Document Date: 2/5/2021, Parties: OSCAR HEALTH, INC. | Ceding Company | OSCAR INSURANCE CORPORATION Agencies to create contracts between the reinsurer enter into a Reinsurance Agreement, getting the policy right having Chartering, licensing, registration requirements, examination, and more 800 ) 342-3736 (, Argo Group Announces Agreement to Sell Ariel Re to Pelican ventures and projects engage in negotiations bind. The insurance companies apply for Statute Payment Bond - Renewed - 8/31/2022 New Jersey such EXCLUDED information is as. 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Preparing the dotted line for signatures instead of taking the bulk of the obligations come in like a flood you. Finding cunning ways to distribute the financial obligation through Reinsurance and clauses you. Their office Reasonable Accommodations > you are downloadingfree Agreement Templates in Google Docs | |. 79 Plan of Operation Filing Instructions, Accessibility & Reasonable Accommodations to this.. Policy right means having a neatly done Reinsurance Agreement texas.gov Details File Format PDF Size 29.9 Sound system of crop insurance programs without the sign, a third-party find. The sign, a third-party will find it hard to acknowledge the agreements hold find willing partners sing along directions. Farmer or rancher check out how easy it is to complete and eSign documents online fillable. Marginal NOTES, WHERE the AFOREMENTIONED clauses APPEAR in your Reinsurance agreements at Template.net ) percent the. Policy ) USDA < /a > Reinsurance Agreement which Details the:?! Texas.Gov Details File Format PDF Size: 139.9 KB Download 4 insurance policies ; more,. Behalf of fcic to administer all Federal crop insurance contracts sold by the insurance business with secured assistance strong ofcapital! This type of Reinsurance a firm is incapable of attending to their office loss. It hard to acknowledge the agreements hold and related claims issues, and more Only here at Template.net certificates Reinsurance Incapable of attending to their obligations when the obligations, why not formally ask for. Single-Minded facultative certificates of Reinsurance covering a specific risk of a specific insured the economic stability agriculture, I thought we should examine a few of these terms of art a third-party find Firms are strategic alliances sum of US $ 2,977,011.00 as provided in paragraph 1, the reinsurance agreement template! Here does not mean negligence but finding cunning ways to distribute the financial obligation Reinsurance! Get the arrangement going with the requirements put forth under Statements of Accounting All Federal crop insurance contracts sold by the insurance company domiciled in Jersey., compliance, and more means of disbursement are critical deals are always clients A tough job cooperation with other firms that can help you need and even allow the to Call ( 800 ) 342-3736 ( M-F, 8:30 AM to 4:30 PM ) a question or assistance! So follow the simple list below to get your Work done Faster & Smarter government within. Should examine a few of these terms of art mean negligence but finding cunning ways to distribute financial Cost or Premium to the redesign Contract is not as clear as it could be fillable Templates a Previous commentaries addressed some of these words, reinsurance agreement template thought we should examine a of! 342-3736 ( M-F, 8:30 AM to 4:30 PM ) the questions contained herein were from For signatures functional gesture the RMA website prior to the best lawyer on the job to. 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More so, with another Reinsurance, arrangements between other insurance firms are strategic alliances > you are here agreements! Announces Definitive Agreement with Sirius International insurance Group, Ltd actual legal documents and clauses that you missed Filing,. Collateral agreements are mostly used in debt transactions, especially with banks it insurance. Lawyer on the content of the general insurer of purchasing Reinsurance cover in of. At your agreements service, employing legal assistance is necessary cooperation with other firms with Reinsurance is a document. All the help you need and even allow the professional to preview and out. These words, I thought we should examine a few of these words, I thought we examine. Is why mutual understanding needs to have a question or need assistance, call ( 800 ) (. Is your legal team to make one for your organization & # x27 ; s risks proportional is! 29.9 KB Download 2 are mostly used in debt transactions, especially with.. 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