In April 2019, Laurel Road was acquired by KeyBank, one of the nation’s largest bank-based financial services companies. Laurel Road is a brand of KeyBank National Association which offers Student Loan Refinancing in all 50 states and Washington, D.C. All loans are provided by KeyBank National Association, a nationally chartered bank. Laurel Road. @laurelroad ‧. 457 subscribers ‧ 68 videos. The official YouTube channel of Laurel Road. Laurel Road is a digital banking platform offering Student Loan …Laurel Road is best known for its student loan products, but it’s expanded its repertoire to online banking products, such as checking, high-yield savings, and lending thanks to joining the ...Jul 20, 2023 · Laurel Road assumes no liability for loss or damage incurred by use of the information provided. Please visit laurelroad.com for full product details, terms and conditions. Primary account holder is eligible to earn monthly rewards of up to $20 a month from the second through thirteenth statement periods, which is considered your “first year.” Eligibility: Laurel Road Perks! are available to current Laurel Road customers, also referred to as members, with an existing checking or savings account, credit card, student loan, personal loan, or mortgage.; Participating merchants(s) and available offers may vary and are subject to change without notice. By clicking on the merchant link(s) you are …Home loans on your terms. You could save when your refinance to a low APR, or shorten the term of your home loan. Competitive, low rates. Simplified online process. Phone, chat, and email support. Cash-out refinancing options. Secure loans from a national bank. Laurel Road for Doctors offers fast and personalized physician mortgage refinancing ... Current Interest Rate information may be obtained by contacting Laurel Road customer service at 1-833-427-2265, or writing Laurel Road. P.O. Box 191, Bridgeport, CT 06601. For clients using a TDD/TTY device, please call 1-800-539-8336. Laurel Road. @laurelroad ‧. 457 subscribers ‧ 68 videos. The official YouTube channel of Laurel Road. Laurel Road is a digital banking platform offering Student Loan …Laurel Road is a brand of KeyBank N.A. All products are offered by KeyBank N.A. NMLS #399797. Equal Housing Lender. ©2023 KeyCorp ... Physician, Student Loan Refi Customer. “Working with Laurel Road was fast and easy! I searched for the right refinance company, and no one had better rates or service.”. Brandi B. Business Controller. “Refinancing through Laurel Road is the best thing that could have happened for my personal finances.”. Bethany W. Laurel Road Checking is a digital bank account that pays you cash rewards for direct deposits and offers early access to your pay. Learn about the benefits, features and fees …Hier sollte eine Beschreibung angezeigt werden, diese Seite lässt dies jedoch nicht zu.If you are a current Laurel Road member with an existing checking or savings account, credit card, student loan, or personal loan, or mortgage, you can access your Laurel Road Perks! by logging in to your Member dashboard here.From your member dashboard, you’ll be able to view and opt-in to all of your available offers.Laurel Road continues to see significant interest in its healthcare strategy, focusing on products tailored to physicians and dentists. The launch of Laurel Road for Doctors in 2021 provided medical professionals with an expanded set of digital offerings so that these professionals can have financial peace of mind at each career stage, while ...Laurel Road Checking is a digital bank account that pays you cash rewards for direct deposits and offers early access to your pay. Learn about the benefits, features and fees …Laurel Road is a brand of KeyBank N.A. All products are offered by KeyBank N.A. Student loans, mortgages, personal loans, and credit cards ARE NOT FDIC INSURED OR GUARANTEED. Member FDIC. NMLS #399797. Equal Housing Lender. ©2024 KeyCorp GradFin and Laurel Road are brands of KeyBank N.A. GradFin members that met the requirement for Public Service Loan Forgiveness (PSLF) qualified for an average of $116,697.74 in student loan forgiveness as of 01/08/2024. This is the total dollar value of loans forgiven for GradFin customers as of 01/08/2024. Research options available to you: Use the web, search aggregators, and check your rate options with various private lenders. With Laurel Road, you can check rates in less than 5 minutes based on your inputs and a soft credit pull (that won’t affect your credit score). 3. Make your selection: Ultimately, you’ll choose the best rate and best ...New Laurel Road Student Loan Cashback ® card offers 2% cashback towards eligible student loan — federal or private loans held with an eligible loan servicer. BRIDGEPORT, CT – June 2, 2021 – Credit cardholders should be rewarded for sticking to their financial priorities — that’s the idea behind the new Laurel Road Student Loan …Redeem 2% cashback towards any eligible medical school loan. 1. Redeem 2% cashback towards any eligible medical school loan. 1. Introducing the first credit card that lets you redeem 2% cashback towards student loans with 95% of U.S. servicers. Or, you can redeem 1% cashback towards anything else. † See important rate and fee information.For transfers from a non-Laurel Road account or non-KeyBank account, the date for transfers submitted prior to 5 p.m. ET will be effective on the same business day. Transfers submitted after that time, or on weekends or holidays, will be effective on the next business day. Those funds can take up to 4 business days to process. Transfers to a …Laurel Road provides a full suite of digital banking and lending products for physicians to help manage medical school debt and achieve their financial goals. AAFP members receive a 0.25% rate ...Laurel Road is a brand of KeyBank N.A. All products are offered by KeyBank N.A. Student loans, mortgages, personal loans, and credit cards ARE NOT FDIC INSURED OR GUARANTEED. Member FDIC. NMLS #399797. Equal …Laurel Road. @laurelroad ‧. 457 subscribers ‧ 68 videos. The official YouTube channel of Laurel Road. Laurel Road is a digital banking platform offering Student Loan …Laurel Road credit card uses the latest contactless chip security which allows you to tap your card at the top of the terminal when you're ready to pay rather than inserting or swiping the card. Applying . When will I receive my Laurel Road credit card? You should receive your new card by mail, approximately 7 days after you are approved. ...GradFin and Laurel Road are brands of KeyBank N.A. GradFin members that met the requirement for Public Service Loan Forgiveness (PSLF) qualified for an average of $116,697.74 in student loan forgiveness as of 01/08/2024. This is the total dollar value of loans forgiven for GradFin customers as of 01/08/2024. This dollar value is based on the ...The Laurel Road team will provide timely updates to existing loan holders who are impacted in advance of the scheduled transition. Rates for Laurel Road variable loans: …The Laurel Road High Yield Savings Account is an FDIC-insured savings account that offers a competitive interest rate and no monthly fees. As of this writing, the APY is 5.00%, which is one of the ...Maximum loan amount of $45,000 for loan purposes of Debt Consolidation, Major Purchase, and Home Improvement. Additional proof of use documentation is required to be eligible for loan amounts in excess of $35,000. No origination-fee relocation loans and moving loans up to $35,000. Get liquidity with Laurel Road Personal Loan so you can get ...High Yield Savings Account with Laurel Road. When it comes to High Yield Savings Accounts, Laurel Road offers competitive rates that can help your savings grow faster. With rates that are consistently higher than the national average, you can maximize your savings potential and reach your financial goals sooner. Laurel Road’s HYSA also ...Eligibility: Laurel Road Perks! for Doctors and Financial Insights are available to current Laurel Road Members with an existing credit card, student loan, personal loan, or mortgage who are physicians and dentists, including interns, residents, fellows, clinical professors, researchers, and managing physicians or dentists with one of the following … 1902 Laurel Rd, Birmingham, AL 35216 is currently not for sale. The 1,392 Square Feet single family home is a 3 beds, 2 baths property. This home was built in null and last sold on 2023-09-29 for $--. Some private lenders, such as Laurel Road, may be able to provide lower rates to borrowers with excellent credit than they may have on their existing loan. If you are eligible to refinance with Laurel Road, we offer several options for a new loan term, depending upon your individual financial situation. A borrower working with Laurel Road …Laurel Road. IMPORTANT INFORMATION: Please note that if you refinance qualifying federal student loans with Laurel Road, you may no longer be eligible for certain federal benefits or programs and waive your right to future benefits or programs offered on those loans. Please carefully consider your options when refinancing federal student loans ...Laurel Road is a brand of KeyBank N.A. All products are offered by KeyBank N.A. Student loans, mortgages, personal loans, and credit cards ARE NOT FDIC INSURED OR GUARANTEED. Member FDIC. NMLS #399797. Equal Housing Lender. ©2024 KeyCorpNerdWallet rating. The Nerdy headline: Laurel Road’s personal loans are a strong fit for good-credit borrowers who qualify for a low rate. Jump to: Full Review. Laurel Road Personal Loan. Est ...Laurel Road continues to see significant interest in its healthcare strategy, focusing on products tailored to physicians and dentists. The launch of Laurel Road for Doctors in 2021 provided medical professionals with an expanded set of digital offerings so that these professionals can have financial peace of mind at each career stage, while ...36 months of $100 180 months of $853 - $986. $157,078 - $181,001. 20 Year. 4.90% - 6.53%. 4.83% - 6.40%. 36 months of $100 240 months of $727 - $867. $178,100 - $211,642. Laurel Road for Doctors offers medical and dental resident student loan refinancing. We offer great resident refinancing rates for today’s healthcare leaders.The Laurel Road team will provide timely updates to existing loan holders who are impacted in advance of the scheduled transition. Rates for Laurel Road variable loans: … 1902 Laurel Rd, Birmingham, AL 35216 is currently not for sale. The 1,392 Square Feet single family home is a 3 beds, 2 baths property. This home was built in null and last sold on 2023-09-29 for $--. Current Interest Rate information may be obtained by contacting Laurel Road customer service at 1-833-427-2265, or writing Laurel Road. P.O. Box 191, Bridgeport, CT 06601. For clients using a TDD/TTY device, please call 1-800-539-8336.Securely access your Laurel Road accounts onlineAfter your first two billing cycles with a funded Laurel Road Linked Savings account, your interest rate discount will vary based on your average daily savings account balance for the previous month. 1 Depending on how much you save, you could lower your student loan refinancing interest rate by up to 0.30%. 1. Apply Now.GradFin and Laurel Road are brands of KeyBank N.A. GradFin members that met the requirement for Public Service Loan Forgiveness (PSLF) qualified for an average of $116,697.74 in student loan forgiveness as of 01/08/2024. This is the total dollar value of loans forgiven for GradFin customers as of 01/08/2024. This dollar value is based on the ...Call or chat with one of our Laurel Road for Doctors Premium Care Specialists 5 days a week. Call Center Operating Hours: 8:00 AM – 9:00 PM ET. Call us at 1-833-HCP-BANK (427-2265) or email us at [email protected] and Laurel Road are brands of KeyBank N.A. GradFin members that met the requirement for Public Service Loan Forgiveness (PSLF) qualified for an average of $116,697.74 in student loan forgiveness as of 01/08/2024. This is the total dollar value of loans forgiven for GradFin customers as of 01/08/2024. This dollar value is based on the ...For transfers from a non-Laurel Road account or non-KeyBank account, the date for transfers submitted prior to 5 p.m. ET will be effective on the same business day. Transfers submitted after that time, or on weekends or holidays, will be effective on the next business day. Those funds can take up to 4 business days to process. Transfers to a …Laurel Road Mobile will use your phone number for authentication when you use this app. ©2024 KeyCorp. Member FDIC. Updated on. Feb 20, 2024. Finance. Data safety. arrow_forward. Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. …Some private lenders, such as Laurel Road, may be able to provide lower rates to borrowers with excellent credit than they may have on their existing loan. If you are eligible to refinance with Laurel Road, we offer several options for a new loan term, depending upon your individual financial situation. A borrower working with Laurel Road …Laurel Road is a brand of KeyBank N.A. All products are offered by KeyBank N.A. Student loans, mortgages, personal loans, and credit cards ARE NOT FDIC INSURED OR GUARANTEED. Member FDIC. NMLS … Laurel Road P.O. Box 5998 Cleveland, OH. 44101-0998. Overnight/Express Mail: Laurel Road 3 Corporate Drive Ste. 420 Shelton, CT 06484 ; You can also fund your account in the following ways; however, please be aware that these methods are subject to Laurel Road mobile deposit and external transfer limits: Make a mobile check deposit. You can access lower parent loan rates when you open a Laurel Road Linked Savings account during refinancing. Depending on how much you save, you could receive up to a 0.30% rate discount. 7. Learn More. 0.25% introductory rate discount 7. Up to 0.30% off your rate depending on your savings balance 7. Laurel Road Loyalty Checking $300 bonus when you make $2,500 worth of direct deposits within 60 days of account opening. You’ll earn monthly rewards for having $2,500 or more in ACH deposits ...IMPORTANT INFORMATION: Please note that if you refinance qualifying federal student loans with Laurel Road, you may no longer be eligible for certain federal benefits or programs and waive your right to future benefits or programs offered on those loans. Please carefully consider your options when refinancing federal student loans and consult …Our lending experts are here to help. Our customer service line and live chat are accessible 6 days a week for Laurel Road customer feedback. Operating Hours: Monday - Thursday 8:30am - 8:30pm EST. ; Friday and Saturday 8:30am - 5:30pm EST. Email us at [email protected] 11, 2024 · You are about to leave Laurel Road online banking to go to Mohela, our loan servicing partner, at laurelroad.mohela.com. There, you’ll be able to make payments, see your statements, and get tax documents for your loans. For your security, you will need to sign in at laurelroad.mohela.com using your Mohela login. You can access lower med school loan rates when you open a Laurel Road Linked Savings ® account during refinancing. Depending on how much you save, you could receive up to a 0.30% rate discount. 6. Learn More. 0.25% introductory rate discount 6. Up to 0.30% off your rate depending on your savings balance 6.For transfers from a non-Laurel Road account or non-KeyBank account, the date for transfers submitted prior to 5 p.m. ET will be effective on the same business day. Transfers submitted after that time, or on weekends or holidays, will be effective on the next business day. Those funds can take up to 4 business days to process. Transfers to a …Apr 3, 2024 · Laurel Road provides fixed- and variable-rate student loans without origination fees. The maximum interest rate on a fixed loan with terms of five to 10 years is 10.00%, 10.20% for 15 years, and ... Laurel Road provides competitive student loan refinancing rates, and AMA members get access to these exclusive benefits: Receive a 0.25% rate discount when you refinance with Laurel Road *. Entirely online application allows physicians to check rates in minutes—without impacting your credit score *.Redeem 2% cashback towards any eligible medical school loan. 1. Redeem 2% cashback towards any eligible medical school loan. 1. Introducing the first credit card that lets you redeem 2% cashback towards student loans with 95% of U.S. servicers. Or, you can redeem 1% cashback towards anything else. † See important rate and fee information.Laurel Road was very helpful in giving me a loan rate and schedule. Responses were quick and easy to understand. They also offer lower rates than a lot of other companies out there. Their website is very easy to maneuver, and making payments is convenient and quick. I would highly recommend Laurel Road. Date of experience: January 26, 2022Financing Ambition. Laurel Road takes a deep-dive into financial wellness and success in the land of capitalism. Connect the dots that keep you on track to your dreams, with practical tips for everyday money and career moves that help shape the life you’ve always wanted. Subscribe.Already a member?*. Sign In to Apply or Continue. *If you have a Laurel Road User ID, sign in to start or continue an application. Unlock financial flexibility with Laurel Road's personal loans. Competitive rates and tailored options to meet your needs. Explore now.The Laurel Road team will provide timely updates to existing loan holders who are impacted in advance of the scheduled transition. Rates for Laurel Road variable loans: … Laurel Road offers personal loans with low rates and flexible terms to help you fund your unexpected financial needs. Minimum loan amount of $5,000. Maximum amount of $35,000 for loan purposes of Auto Purchase, Business, Green Loan, Moving Expenses, and other. Maximum loan amount of $45,000 for loan purposes of Debt Consolidation, Major ... Laurel Rd. Antiques & Modern is an interiors boutique curated by interior designer Lindley Martens and showcasing a special mix of antiques, mid-century, classical and modern treasures for the home. Browse Through Our Most Popular CollectionsLaurel Road is a financial services company that offers student loans, checking and savings, home loans, personal loans and credit cards. Find out how to contact them by …You could earn up to a $20 cash reward for each month you make a qualifying direct deposit during the first 12 months and $10 for every month after that. 1. In addition to these benefits, you can also enjoy: Mobile check deposit – deposit your checks on-the-go. 40,000 no-fee ATMs – locate 40,000 KeyBank & All-point ATMs. 2. We help doctors like you finance the dream of homeownership. With a Laurel Road Mortgage, eligible physicians and dentists (you too, residents!) can get flexible down payment options, † premium service, relationship rate discounts, and more. To get started, speak to a KeyBank mortgage specialist at 1-877-801-4686. †Geographic limitations apply. Laurel Road Student Loans. Laurel Road allows you to add a cosigner to your loan, which may make it easier to qualify and net you a lower rate if your cosigner has good credit.. Both refinanced ...The Laurel Road High Yield Savings Account is an FDIC-insured savings account that offers a competitive interest rate and no monthly fees. As of this writing, the APY is 5.00%, which is one of the ...The Laurel Road team will provide timely updates to existing loan holders who are impacted in advance of the scheduled transition. Rates for Laurel Road variable loans: … Current Interest Rate information may be obtained by contacting Laurel Road customer service at 1-833-427-2265, or writing Laurel Road. P.O. Box 191, Bridgeport, CT 06601. For clients using a TDD/TTY device, please call 1-800-539-8336. Published April 11, 2023. $340 can be earned by qualifying for up to $240 in rewards your first year combined with the $100 welcome bonus. Primary account holder is eligible to earn monthly rewards of $20/month from the second through thirteenth statement periods, which is considered your “first year.”. From the fourteenth statement period ...Reducing your interest by refinancing to a shorter loan term and paying more towards your principal could result in paying off your loans faster, but your monthly payments may be higher overall. On the other hand, with a lower rate, you could refinance to the same term length (e.g. 10 years) and simply pay less interest, without paying off your ...Laurel Road 3 Corporate Drive 4th Floor Shelton, CT 06484 General Inquiries: (833) 427-2265. Mortgage: (877) 801-4686 [email protected] TDD/TTY: (800) 539-8336. Partnership Inquiries. 1-855-245-0989 TDD/TTY: (800) 539-8336 [email protected] Laurel Road is a brand of KeyBank N.A. All products are offered by KeyBank N.A. Student loans, …10.36% - 22.81%. 60. $215 - $281. $12,900 - $16,860. Finance your next car purchase with a Laurel Road automotive personal loan. Good credit borrowers can get funds for any make, model or mileage.Laurel Road 3 Corporate Drive 4th Floor Shelton, CT 06484 General Inquiries: (833) 427-2265. Mortgage: (877) 801-4686 [email protected] TDD/TTY: (800) 539-8336. Partnership Inquiries. 1-855-245-0989 TDD/TTY: (800) 539-8336 [email protected] Laurel Road is a brand of KeyBank N.A. All products are offered by KeyBank N.A. Student loans, …KWT Global for Laurel Road. 646-989-8147. [email protected]. Kimberly Kowalski. KeyBank Corporate Communications. 216-406-2076. [email protected]. 0. Laurel Road for Doctors reimagines banking experiences for physicians and dentists with new products informed by and tailored to their needs.Laurel Road Mobile will use your phone number for authentication when you use this app. ©2024 KeyCorp. Member FDIC. Updated on. Feb 20, 2024. Finance. Data safety. arrow_forward. Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. …Laurel Road is a brand of KeyBank N.A. All products are offered by KeyBank N.A. Student loans, mortgages, personal loans, and credit cards ARE NOT FDIC INSURED OR GUARANTEED. Member FDIC. NMLS #399797. Equal Housing Lender. ©2024 KeyCorpLaurel Road Linked Savings Account Balance. APRs shown include the initial 2-month 0.25% interest rate discount for opening a Laurel Road Linked Savings account. Use the slider to calculate the discounted rate for maintaining the monthly account balance [$0 = 0.00%, $1,000 = 0.10%, $10,000= 0.20%, $20,000+ = 0.30%].Laurel Road is a brand of KeyBank N.A. All products are offered by KeyBank N.A. Student loans, mortgages, personal loans, and credit cards ARE NOT FDIC INSURED OR GUARANTEED. Member FDIC. NMLS #399797. Equal Housing Lender. ©2024 KeyCorp
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The AMA and Laurel Road have teamed up to help members save on their student loan debt. Laurel Road provides competitive student loan refinancing rates, and AMA members get access to these exclusive benefits: Receive a 0.25% rate discount when you refinance with Laurel Road * Residents only pay $100/month all through training * Laurel Road Cafe & Deli is a coffee shop serving Northport, NY and we focus on offering and providing our customers with high-quality service, visit us and enjoy our unique food and drinks that will delight your palate. Contact us today, call us at 631-387-7085 or 631-239-6177 or stop by. free estimate . In The Variety Is The Taste. 0 % Best Service. 0 % …Laurel Road is a brand of KeyBank N.A. All products are offered by KeyBank N.A. Student loans, mortgages, personal loans, and credit cards ARE NOT FDIC INSURED OR GUARANTEED. Member FDIC. NMLS #399797. Equal Housing Lender. ©2024 KeyCorpNew Laurel Road Student Loan Cashback ® card offers 2% cashback towards eligible student loan — federal or private loans held with an eligible loan servicer. BRIDGEPORT, CT – June 2, 2021 – Credit cardholders should be rewarded for sticking to their financial priorities — that’s the idea behind the new Laurel Road Student Loan …Sep 23, 2021 · New offerings add to Laurel Road’s array of unique financial solutions for healthcare and business professionals. New York, NY — September 23, 2021 — Laurel Road, a digital banking platform of KeyBank with specialized offerings for healthcare and business professionals, unveiled today the Laurel Road Checking SM account and mobile application, allowing existing and new members the ... KWT Global for Laurel Road. 646-989-8147. [email protected]. Kimberly Kowalski. KeyBank Corporate Communications. 216-406-2076. [email protected]. 0. Laurel Road for Doctors reimagines banking experiences for physicians and dentists with new products informed by and tailored to their needs.You could earn up to a $20 cash reward for each month you make a qualifying direct deposit during the first 12 months and $10 for every month after that. 1. In addition to these benefits, you can also enjoy: Mobile check deposit – deposit your checks on-the-go. 40,000 no-fee ATMs – locate 40,000 KeyBank & All-point ATMs. 2.Laurel Road is a digital banking platform offering Student Loan Refinancing, Mortgages, Personal Loans, Student Loan Cashback Credit Cards, Checking and savings accounts, and more. Click here to ...Premium Member Benefits for Doctors 1. You take care of us. It’s time someone took care of you. We’ve been committed to supporting doctors since day one. So, we understand that balancing your career, personal life, and finances can be challenging. Introducing new member benefits designed to help you be your best at home and at work.Redeem 2% cashback towards any eligible medical school loan. 1. Redeem 2% cashback towards any eligible medical school loan. 1. Introducing the first credit card that lets you redeem 2% cashback towards student loans with 95% of U.S. servicers. Or, you can redeem 1% cashback towards anything else. † See important rate and fee information.By providing your email address you authorize Laurel Road to email you about your application and other Laurel Road accounts and services, even if the application is not completed. You can opt out of future marketing email offers at any time by following instructions in the email. To help the government fight the funding of terrorism and …Laurel Road offers online banking, lending and student loan refinancing solutions for various financial needs. Whether you want to save, borrow, or pay off your student …Jun 14, 2023 · Laurel Road is a digital banking platform from KeyBank. It offers financial services to anyone, but its services are tailored to meet the needs of healthcare and business professionals. Laurel Road | High Yield Savings. Laurel Road is a brand of KeyBank, N.A. All products are offered by KeyBank, N.A. Member FDIC. ©2024 KeyCorp® All Rights Reserved.You are about to leave Laurel Road online banking to go to Mohela, our loan servicing partner, at laurelroad.mohela.com. There, you’ll be able to make payments, see your statements, and get tax documents for your loans. For your security, you will need to sign in at laurelroad.mohela.com using your Mohela login. Continue. Cancel. Feedback ...Eligibility: Laurel Road Perks! for Doctors and Financial Insights are available to current Laurel Road Members with an existing credit card, student loan, personal loan, or mortgage who are physicians and dentists, including interns, residents, fellows, clinical professors, researchers, and managing physicians or dentists with one of the following …Mar 13, 2024 · Laurel Road is an online-only bank, so customers won’t have access to branches. Customer service is available by phone Monday through Friday from 8 a.m. to 8 p.m. Eastern time, and the bank’s ... 1902 Laurel Rd, Birmingham, AL 35216 is currently not for sale. The 1,392 Square Feet single family home is a 3 beds, 2 baths property. This home was built in null and last sold on 2023-09-29 for $--. Physician, Student Loan Refi Customer. “Working with Laurel Road was fast and easy! I searched for the right refinance company, and no one had better rates or service.”. Brandi B. Business Controller. “Refinancing through Laurel Road is the best thing that could have happened for my personal finances.”. Bethany W. .