Tag Archive for L1 Visa Business Plan

Top 5 Things to Do Before Obtaining an EB5 Visa

 

If you have an interest in the EB5 visa business plan as a method to get to the United States, there are some steps you have to take to prepare yourself. By chance, you can do most with the little assist from others. Given that the EB5 visa program will probably allow you to reach this country in a year, the preparations are minuscule in comparison to what you will get.

Get in Contact With an Experienced Immigration Lawyer

They should be able to provide a free consultation in which you will provide you advice on whether your business plan is healthy enough to use. A lot of regional centers need a fee to apply, in addition to getting $ 500,000 to $ 10, 00,000. It would be an embarrassment to get this money and not have a business plan that is up to par, so talking to an immigration lawyer is a useful first step.

Refine Your Business Plan

Even if the immigration lawyer you meet with considers your plan to be appropriate, he or she will often point out a few room for improvement. Most people do not do well in the first attempt, principally if this is your first business plan. Making sure you are as close to impeccable as possible is significant before attending the official meeting that will define when you are approved for the EB5 program. A good business plan may go a long way.

Consider Where You Want to Set Up Your Business

If you have $ 1 million to invest and an exceptional business plan that can work anyplace, you can choose from any area of the country to establish your business. On the other hand, when you plan to invest just $ 500,000, you will have to select a Regional Center. You can find a minimum one in almost all 50 states, and the best news is that you do not always have to live close to your business when using a Regional Center. Actually, you may live across the country if you elect not to participate in the daily operations, know how.

Ensure You Can Get the Funds

While the EB5 visa does not need you to earn money, you must prove that you obtained it validly. By the way, it may be a gift, a loan or the savings of your life, but you should be able to prove that it is legitimately yours.

Select an Attorney and Start the Process

You can choose to go for some free consultations first, but you should choose an immigration attorney to help you get started when your business plan looks professional. You can even decide to pay a retention fee per month to always have their tips on hand.

Your certain lawyer will tell you what the next steps are. Getting started is usually the most challenging part of the process. Following these initial steps can assist you at least get started the EB5 business plan, see more: http://jdcconsultancy.com/

The H-1B Visa Issue Explained

Many people are confused about the new Immigration Business Plan or the H-1B visa plan that the president of America, Donald Trump instate. There are many questions and confusion about this new visa law and there are many people that don’t agree with this new law. This is some of the information and explanation of the H-1B, so that you can understand what it means, and how people of America will be affected:

What is the H-1B visa program?

The first thing that you need to know, is what the new immigration business plan really means. This is a visa program that is going to ensure that people that are highly skilled will be those that are going to get a working visa for the USA a lot easier than other people that aren’t really highly skilled.

This means that this program will make it possible for foreigners that are having degrees and master degrees the possibility to get work in the USA and to get a better chance for working opportunities.

Why did he start this new visa program?

This is a way for America to get more people to their country that are highly skilled and that can be beneficial to the economics of the country. Making sure that those that are highly skilled are getting a working visa, but that those that might end up without work or that can increase the workless statistics, won’t get a working visa that easily.

This can be a great thing for foreigners that are highly schooled, but it makes it difficult for the normal person to get a visa for the USA. The new immigration business plan is beneficial for some and making it hard for others. Click here !

What it can mean for the country

For the country, the new visa program or immigration business plan will be great, because they will have more highly qualified people that are able to increase the economics of the country. However, for the people of USA, it can be something hard.

This is because there will be foreigners that will be getting the work above the American citizens that don’t have the highest qualifications. So, Americans will struggle to get work while the foreigners will take their positions.

Who will benefit the most with this program?

You should consider carefully about who will really benefit from this new immigration business plan. First of all, there will be fewer foreigners that don’t have the qualifications to get a work, and make it easier for Americans to get the normal, everyday work.

However, the foreigners with the higher education will be taking the higher posts and will leave the normal American without a job, or with an underpaid job.

The H-1B is a visa program that the president of the USA instated. However, there are many people that are criticizing the new visa program because it can harm the normal Americans for getting jobs. But, there are some positives also with the immigration business plan that was instated. Visit this site for more information : http://jdcconsultancy.com/

Why E-2 Visa May Be Perfect Option To Start A Small Business in the United States

Why E-2 Visa May Be Perfect Option To Start A Small Business in the United States

Have you ever wondered about expanding your small business to the United States?  There are many myths regarding starting your own business in the United States that are not true.  First of all, there is the idea that EB-5 green card category is what you must file for.  This is simply a myth.  The E-2 Treaty Investor Visa may be an ideal option for you.  First of all, this type of Visa has does not require you to “re-up” (or renew) after any duration.  Your family can even come with you when you’re trying to start a new business in a new country.

The First Few Steps

First of all, in order to get this type of Visa (E-2 Investor Trader Visa), you must come from a country that the United States has a Treaty with. There are 134 treaties, which the United States has with other countries. A complete list is easily found via a quick internet search, or simply browse the list on the Travel.State.gov site. Second of all, at least 50% of the business must be owned by the individual/s (you) who currently reside in the “Treaty Country.”

Why E-2 Visa May Be Perfect Option To Start A Small Business in the United States

Proof of Funding

Similar to starting a business with investors, your (or the business owner’s) investment in the business (as documented in a clear plan) must be realistic (meaning, you must take into account growth, loss, market potential, and amount needed for growth capacity). You can also visit out top article here for more information. Additionally, you (or business owner) must ensure that your investment is committed (cannot be “taken back”). One cannot simply propose a business idea in this case. The business owner must have proof that the business works (and not only on paper). Additionally, you must generate enough income to not only support the business, but cost of living for you and your family. The best is to conduct a business which effects the United States economy in a beneficial way. And of course, you need to be the one in control of the money. Loans do not count.

 

Proof of Ability

 

You must be willing to run the business from the United States, and have the knowledge and skill set required to manage and grow the business effectively. This is where your professional background, or any education you have received will be important “proof points.” If you have a proven track record of conducting a successful business in a Treaty Country, have a professional or a higher learning degree that applies directly to your business that is great news! Basically, think about this part as a “resume,” or where you can show off why your business will most likely thrive. If you need to know more you can also visit this link:http://www.torontoimmigrationlawyer.net/canada-immigration-appeals/ for more to know. For example, if you currently run an information technology firm, and you have a degree in some form of computer science (a degree that proves that you have the skill set to understand and run the business), you are MUCH more likely to be approved for this type of Visa.

 

The final piece is stating your intention to return to your home country once you Visa has expired. You must be ready to plan and document. This Visa will require quite a bit of documentation from you, and it is a good idea to consult with an expert. Overall, the E-2 Visa may be the perfect fit for your small business in the United States. Look over what is written above. Take your Visa application seriously, and take advantage of any helpful resources (lawyers, etc.).

How Long Can an E-2 Visa be issued for?

The E2 Visa Business Plan is a visa for people that are going to buy a business in the U.S. With this visa you should be able to invest a certain amount of money in the United States of America. It is important to have as much information as possible about this visa, before you can apply for the visa. Here are some of the information about how long this visa can be issued for, and other information, that you need to be able to get this visa:

When can you apply for this visa?

You need to be able to invest normally more than $50 000 to the United States to be able to get the E2 Visa Business Plan. And, the business that you are planning to open in the US should also give jobs to people living in the country.

You should also be from a certain country. You can’t get the visa, if you are living in any country. You should be living in a country like Canada, Australia, Turkey, Iran, Pakistan, Bangladesh, Spain, France, Egypt and Senegal. Then, you will be able to qualify for this visa.

The period that the E2 visa can be issued for

Normally the E2 Visa Business Plan can be issued for 5 years. But, there are some aspects that are being takin in consideration, before the final amount of time is being set.

There are some other aspects that can affect the time period of the visa. The first thing, is that the discretion of consular officer that adjudicates your petition. But also the reciprocity between the applicant’s country and the United States can have an impact on the time period that the visa can be issued for.

Other information about the E2 visa

If the investor is going to run the business indefinitely, he might want to ask for the 5 year time period. The E2 Visa Business Plan can be renewed after the 5 year period is over. However, this doesn’t mean that the person is going to get the 5 year period. The Consular officer might want to lessen the time period, because he wants to see if the business will be a success before he makes the visa available for 5 years.

When the investor’s time period is expiring, the consular officer will look at the business and see if there were citizens that are working at the business, and if the business is really making enough money. Then, they will renew the visa for another 5 years.

If you are thinking about getting a visa for starting a business in the US, then you should make sure that you are doing as much research about the E2 visa as possible. It is really important to make sure that you are knowing all the rules and regulations, before you start the process. This is just going to make the chance of succeeding with the application for your E2 Visa Business Plan so much better, and will ensure that you are going to the get the 5 year time period for starting your business in the US.

Find out more information in our post here: http://www.torontoimmigrationlawyer.net/want-to-start-a-small-business-in-the-usa-an-e-2-visa-may-be-perfect-for-you/

Business Plan For L1 Visa – Who Will Be Eligible?

Business Plan For L1 Visa – Who Will Be Eligible?

Creating a business plan for L1 Visa can actually be a lot easier when you know what you’re doing. You can also visit this site for more information. However, a major problem for most that are denied is the fact they aren’t eligible in the first place and require a different visa type. Now, there are lots of different rules, laws and regulations when it comes to visas in the US so you have to ensure you are going to be eligible for your chosen visa. Who will be eligible for a L1 visa?

Ownership and Control

To create an L1 Visa business plan and be eligible for submitting the plan you must have some working business relationship. You can also visit our top article here. For example your business in your country, say Germany, must be owned or controlled by you, whether its co-ownership or full ownership as well as the new office being set up in the US. Basically the new office based in the US must be an affiliate or parent company or even a subsidiary of the current foreign business.

Business Plan For L1 Visa – Who Will Be Eligible?

Physical Space Is a Must

For anyone setting up a new branch of their business in the US, they absolutely must have physical office space. Now, this doesn’t mean one room above a cafe or based in an apartment, but actual sufficient space for the day to day running of the business. For example if the business was dealing with textiles, it would need a large office space, potentially a warehouse to house all of the appropriate materials and to work from there comfortably. Too many people submit their business plan for L1 visa but forget to lease proper office space for the business which results in them being denied entry.

The Open Office

There is a requirement that any new offices for the business must be opened and actively operation within a certain period of time. This is usually one year and if the business does not have an open or operating office there will not be an extension granted. The year period should be sufficient time to get employees hired and the business up and running. Every business is different of course so you may be judged on the exact type of business you run. Ideally however, when you are setting out the goals of your L1 visa business plan, you need to highlight the fact how long it should take to get the business set up.

An Extension

The requirements for an extension can very well depend on the type of business you run and many other factors including your managerial position. Now, since every business is different, it is hard to say for certainty you will or will not be granted an extension. If you need extra information you can visit this link:http://www.uscis.gov/eir/visa-guide/l-1-intracompany-transferee/understanding-l-1-requirements. However, if you meet certain specifications and can prove the business is doing extremely well, there shouldn’t be too much of an issue. When you are creating your business plan for L1 visa, you should include finances and projects for the upcoming years so that you can show you’re on target if that is possible.

L1 Visa Business Plan Is Important, Don’t Mess It Up

When you know whether or not you are eligible for a L1 Visa, creating the business plan shouldn’t be too difficult. Yes, there are a lot of obstacles to climb over however a strong business plan does go a long way in helping your cause greatly. Remember, the authorities want to see real potential and a novel idea; take your time and show off your strengths. Create the best business plan for L1 visa today.

Want To Start A Small Business in the USA? An E-2 Visa May Be Perfect For You.

The thought of beginning your own business might dependably have been something at the forefront of your psyche E2 Visa Business Plan. It unquestionably was for me yet given that I was not a green card holder, I thought beginning my own business was impossible for me. I was additionally not empowered by the “Enormous” business EB-5 green card class where a $1 Million dollar INVESTMENT needed. When I turned into an attorney and acknowledged I needed to begin my law office, I immediately recognized however that the E-2 Treaty Investor Visa was the ideal choice for me.

The key points of interest of the E2 Visa Business Plan, is the unending span, the way that your family can accompany you furthermore work in the U.S.  The little venture sum that is needed. Indeed, your fantasy of turning into an entrepreneur in the U.S. could turn into a reality by spending as meager as $15,000.

The rest of this post compresses the principle necessities for an E2 Visa Business Plan and a portion of the regular issues.

You Must Be National of a Treaty Nation

The Business Plan for E2 Visa is just to individuals from the nations that the U.S. has a Treaty with numerous Western countries is on the rundown. However, there are likewise countries from Africa, Asia and the Middle East on the rundown. Israel was just as of late added to the summary. A complete review of the nations on the rundown found here.

  • You Must Have INVESTED or even Be Actively in the Process of INVESTING
  • Keeping in mind the end goal to fulfill this some piece of the test, you must satisfy three necessities.
  • Show Legitimate Possession as well as Control of the Funds
  • All Funds INVESTED are “At Risk” & Irrevocably Committed
  • You Must Be Close to Starting the Business

You Must Be in a Position to “Create & Direct” the Business with Skills

You cannot get the Business Plan for E2 Visa unless you are the particular case that is going to direct and maintain the company. Additionally, you must have the proper ability set such that the Government has confidence that the company will be reasonable. Case in point, you would likely not have many achievements getting and E-2 Visa on the off chance that you needed to open an eatery if the experience you had were eating in an eatery. Regularly, your instructive foundation and experience ought to recommend that you will be in a position to make the business a win. More details here!

Your INVESTMENT Must Be Substantial for E2 Visa Business Plan.

The U.S. Government does not have a foreordained sum that they consider generous. As being what indicated, your INVESTMENT could be as little as $15,000 or as high as millions. INVESTED around $50,000 however just burned through $13,000 for hardware, furniture, and different things. I additionally stored $35,000 in my business account as working capital. You ought to note that sit still trade sitting in for spendable dough a business record NOT viewed as an INVESTMENT  yet the administration will consider a sensible measure of working capital as a feature of an INVESTMENT. This little venture was adequate because I was setting up a government arranged business that does not cost much to set up.

In the event that the business was saying an automaker, the obliged venture sum would have been considerably more. You ought to guarantee that you keep records of the majority of your users as the administration will need to see them. You can read all the more about how substantial the Investment sum ought to be.

Your Investment & Business Cannot Be Marginal                                       

This implies that the business cannot be set up, so it gives a method for living only for yourself and crew. You can show a company is not peripheral by assembling a marketable strategy that shows development more than a 5-year period or by demonstrating that you plan to contract representatives later on. You can figure out all the more about the insignificance necessity.

You Must Intend to Return to Your Home Country after Expiration

This is not a troublesome test to meet, and all you must do is sign an archive that demonstrates you plan to return home once your visa terminates. Not at all like numerous different permits do you need to explain any binds to your nation of origin like a home there. Your mate and family can likewise get E2 Visa Business Plan, and your companion can get full work approval. Discover all the more about the spousal job support.

All things considered, this is an awesome Visa for the individuals who wish to begin a little business in the U.S.The Visa has a broad documentation prerequisite, and you are unequivocally informed to look for the help regarding a legal counselor. Scott Legal Services, P.C., has been through the procedure and adequately recorded the Visa appeal for this commercial so who better go Guide Business Plan for E2 Visa.

See about business resources here: http://jdcconsultancy.com/business-resources/

Can I get an E-2 Visa with a low amount of Investment? Is there a minimum amount of an Investment?

Foreign workers

The E2 Visa is granted to investors or business people who wish to purchase an existing business in the US or to establish a new business. The said visa is granted to investors who have a substantial capital to support the investment in the US. Also, only those investors who are a citizen of a country under the US treaty are eligible to apply for the E2 Visa.

How much is the needed capital for the E2 Visa?

To be on the safer side, the amount of money needed for the E2 visa is around $100,000. Although, there are immigration law firm stated that they had obtained information on the investment at $35,000 in the bank as working capital. Some agencies shared investment quote than the others; however, understanding the US consulate requirement, the investor should be able to demonstrate the capacity to fund the investment means the amount has to be significant. The $100,000 bank statement for the working capital is more on the safer side considering the volatile.

Depending on the nature of investment that the investor is investing in, the amount of investment may be not that exuberant, just like in the car manufacturing industry. The amount of investment is dependent on the nature of the business. Some experts say that the $15,000 investment got approved. In short, there is required investment account in US currency but it all depends on the type of investment that the foreign investor wants to buy or establish in the US.

How To Begin The E2 Visa Process

The number one requirement that the foreign investor has to prepare is the business plan. The business plan for E2 Visa should contain the financials of the company, and this is where the capital for the investment is detailed. The applicant must demonstrate his or her capacity to finance the investment to support the new business venture, a business plan should include;

• The source of funds

o Bank deposits
o Sources of the capital
o Escrow Documents
o Or legitimate financial statement

Apart from these documents, the applicant should also demonstrate how to finance the business in the next five years. The E2 visa expires in five years time, but it can be renewed without any cap. The applicant needs to support this claim by providing the following;

Foreign workers

o Five-year cash flow projections
o Revenue and Expenses projections
o Market research
o And other pertinent documents

The business plan for E2 visa requires intensive documentation, and it is for this reason that most applicants seek the services of the immigration lawyers to help them out on the documentation process. The preparation of the immigration business plan is tedious plus the outcome has to be professionally written to favor fast approval of the visa. Lastly, the visa processing once all the documents are handed in runs for three weeks to three months depending on the number of applicants and in the review of the documents process.

Do I have to make a Business Plan to Get an E-2 Visa?

E-2 Visa Seminar

The E2 visa or also known as the investor’s visa is granted to business people/investors who are financially capable of investing in the US. Secondly, the applicant has to be a citizen of the foreign country that the US has ties with or treaty. The E2 visa processing, once all the documents are submitted can run from three weeks to three months.

Important Visa Requirement

The bulk of the document is on the business plan. For all E2 visa applicants, a business plan is a must prior visa processing. The good news is the foreign applicant can entrust the making of the business plan to the immigration law firm. Most law firms now have the immigration business plan writing following what the US consulate requirement. Also, the making of the business plan for the E2 visa can be delegated to the applicant’s Certified Accountant and submit the same to the consulate.

How To Present Business Plan Content

• Primarily, the business plan for E2 Visa is the crucial document to demonstrate the applicant’s capacity to finance his or her investment in the US. In the business plan, it should reflect the company’s capital. A sizeable amount of money is needed to purchase existing business in the US or in putting up a new investment in a foreign land. Therefore, the capital that is stated in the business plan adheres to the requirement.

o Mission/Vision statement

o Long terms goals

o Market Research/Analysis (http://bits.blogs.nytimes.com/2014/10/29/ibm-and-twitter-team-up-to-give-business-a-gauge-powered-by-social-media/)

o Personnel/Manpower Plan

o Product and Services Description

o Detailed Financial Plan

• The business plan has to be cohesive and simple. The data need not be short, but it must highlight the important figure so that the US consul reviewing the business plan data does not have to spend extra time deciphering the document.

• Document organization spells the difference. For ease in the review process, the business plan has to be sorted out in accordance to the table of contents to avoid any delay in the processing proper. Using a colored tab for each section can help in categorizing the documents.

E-2 Visa Seminar

• The executive summary is the first part of the business plan, and usually, this is where the visa reviewer/adjudicator looks at first. Hence, the summary should be concise, at least 1-2 pages detailing the important points in the entire business plan and setting things up so you know what is to come next.

• Lastly, before finalizing a business plan, have it checked by another person, either a colleague or a professional writer. This is to ensure a faultless business plan to get a visa approved based on the schedule.

The business plan for E2 Visa documentation is intensive, and for a foreign applicant to do all the paperwork, this can be daunting. Any misprints or error in the data can mean the denial of a visa or an extended time for visa processing to rectify the faults in the documents. The delay or denial of the visa can mean other expenses for the re-filling of the visa and for hiring the immigration lawyer.

Does an Investment in Real-Estate Qualify for an E-2 Visa? Can I buy a Home and get an E-2 Visa?

Real Estate Consultants

The investors who have interests to expand its business in the US, including real-estate are qualified to the E2 visa provided the applicant is a citizen where US has an agreement or treaty. The process of the E2 visa involves immigration business plan to show the US consulate that the investor is capable of putting up a business in terms of capital resources.

Real estate investors under the E2 visa follow the same procedure. They have to submit legitimate documents like the immigration business plan to demonstrate their capacity to invest in the US. Moreover, under the E2 visa, which is categorized as the non-immigrant visa for the investors, only allows the investors to purchase real estate or to create a new real estate business. In short, the investor is only to engage actively in the real estate business, and they are not allowed to do passive investments.

Can E2 Investors Buy a Home?

Following the non-immigrant policies for the E2 visa holders, real estate investors cannot own a house or own a stock. Therefore, the purpose of the investor is to do business for a profit, and they are not to engage in non-profitable ventures.see this site here!

How to Process For an E2 Visa

Foreign investors who wish to expand his or her real estate in the US have to submit tons of documents to fulfill the US consulate requirements. This document-intensive petition is a challenge for foreign investors, but they have practical options to choose from. The applicants can start the documentation by themselves, or they can hire an experienced immigration law firm to do everything.
To begin the process of the E2 visa, the applicant needs to demonstrate his or her capacity to finance a real estate investment.

The requirement is best-supported with the following legitimate papers;

• Financial statement/Bank Statements/ Loan/mortgage documents

• Immigration Business Plan

• Partnership agreement

• Lease agreement

• Tax returns

Specifically, the immigration business plan is where the investor demonstrates his or her preparation on how the real estate will run in the next five years. At a minimum, the investor’s visa is granted for a maximum of five years but there is no cap for this type of visa. The visa holder can then renew his or her visa every time it expires without any limit.

Real Estate Consultants

Given the five-year investor’s visa calendar, a business plan has to be detailed on the company’s direction. The US government grants this type of visa with certain goals in mind as well. The new investment should generate jobs for their citizen, and it must be profitable during the whole business venture. Idle investments are not or investments that do not bring a profitable edge to the US are not turned down. Therefore, the real estate investment has to be sustainable and profitable to both parties.

To get the E2 visa approved, immigration lawyers have their path to follow towards the visa approval. On the other hand, if the application is initially denied, the lawyers can re-file the E2 visa petition this time following what the US consulate requires for the foreign investors.

Want To Start A Small Business in the United States? An E-2 Visa May Be Perfect For You.

U.S. Small Business

To achieve business sustainability, business expansion is the right approach. If you are thinking of expanding your business in the US do not let any challenges get in the way. When you have a size able amount of financial resources, you can start to plan for the next branch in the US.

The US consulate can grant you an entrepreneur visa provided all the documents, and requirements are complied with. There is the non-immigrant visa for an entrepreneur, which is the E2 and the L1 visa, there is an immigrant visa for the entrepreneurs that is the EB5 visa type.

What is E2 Visa?

The E2 visa is for the business people who wish to put up a new business in the US. The entrepreneur may either buy the pre-existing business in the US or establish a new one. Now for a foreign investor to be granted this kind of visa, he or she must be a citizen of a country where the US has a treaty or agreement with, therefore, the applicant must be a citizen of the treaty country to qualify for the E2 visa and the applicant needs to submit the E2 visa business plan.

Potential E2 Visa Applicants

• Entrepreneur/business-people who want to purchase or franchise business in the US

• Real Estate Investors
Investment Capital and Reserves

• At least $100,000 – $200,000 to be on the safe side
Requirements for E2 Visa

• Demonstrate the business is legitimate

o Financial statement to know if there is a substantial capital investment
o Long Term lease agreement
o Quarterly reports
o Business licenses/Business Table of Organization
o Tax returns
o Bank statements
o Escrow documents

• Demonstrate that the business is not within the marginal group

o Payroll summaries
o Business Plan
o Individual tax returns

• Provide the source of your funds

o Bank statements
o Pay records
o Loan/mortgage agreements
o Foreign tax returns
o Property records
o Moreover, documents showing the legal source of funds

• Demonstrate that applicant can direct and develop the business

o Partnership agreement
o Franchise agreement
o Minutes of the meeting
o Articles of Incorporation
o By-laws
o Stock purchase agreement, etc.

For foreign entrepreneurs, working out these documents can be time-consuming, and it can take productive time away from the business while doing all the paper works. The amount of time spent in collating and making all the E2 visa business plan is a difficult task. Even if the task is entrusted to the CPA the applicant needs to know every detail of the document to pass the interview process. The US consulate is very keen on details and when there is something that is unsubstantiated in the documents the application may either take more weeks or months to process or outright denial.visit us now!

U.S. Small Business

What most foreign applicants do to get the E2 visa is to seek legal assistance to the experienced immigration lawyer to process all the needed documents. This arrangement, however, is optional but for a foreign national to process their E2 visa, the entire task may be crushing. Getting approved for the first time is best, however; when the applicant gets a denied stamp, this means repeating the whole process again and this time with the help of an immigration lawyer.
To get a visa the first time you apply, partner with the immigration expert to get it right.

Social Widgets powered by AB-WebLog.com.