We know that many of you may be experiencing the impact of the Coronavirus already or will be worried about what it could mean over the coming weeks. As always, our priority is taking care of our us and staff – so here is some practical information to help you manage your money through these difficult times.
In doing our bit to protect each other and our communities from the risk of spreading the Coronavirus, we ask that you think twice before visiting an Agent or bank to do depoists and withdrawals. Please don’t visit if you have any symptoms and need to stay at home.
Your OnlineNaira account should be managed using the Online Banking or Wire Transfer or cards to make Deposits. You can check your balances and manage your money safely and securely, anytime.
Whatever’s going on in the world, we’re here for you.
Let’s take care of each other.
We are currently experiencing issues with our Certification process and this is as a result of the new server we just installed. When a user uploads an image, the system adds the image correctly, but the image is not showing up for you to see or confirm it is uploaded correctly. We are currently working to rectify the issue and we hope to complete today. Sorry for the inconvenience.
We have planned a major server upgrade for OnlineNaira as a result of rapid growth and exponential need for more server power to keep serving our users. The maintenance is expected to start from 1am, Saturday morning and finish on Sunday so that we could open for business again from 5pm, Sunday evening. During this period, you will be unable to add/change anything on the system such as making deposits, withdrawal, etc.
We are still unable to reinstate Payza funding as Payza has failed so far to remit funds as promised. You will recall that Payza changed their URL from .com to .eu and then closed all UK accounts. When our UK account was closed, Payza said we could only withdraw account balances. We did, but we are yet to receive the money after 3 weeks. The Payza withdrawal we did should have hit our UK account 3/4 days after 03 April 2018, but they have since moved the date 5 times and there is no end to the changes in remitance date. The new date we have for the money to hit our UK account is 23 April. It is important to stop processing monies into Payza in the meantime until the situation is resolved.
The older certification we started with in 2011 will be turned off Friday, 20 April. The new Certification has been in operation for just over 12 months and it means you may not need to upload any documents if you Certified within the last 12 months. The new certification is fully automated, offers seamlessly transactions and an indication you appreciate the need for KYC. If you are unsure of your certification status, just go ahead to upload a new set of valid documents so that your transactions are not disrupted otherwise. Login now, click on SETTINGS and then Get Certified.
We are now accepting Payza withdrawals, but Payza funding will wait until we are sure that all Payza issues are resolved.
We have introduced a slight change to your ability to send money if you are not certified. OnlineNaira no longer allows users to SEND MONEY if amount to send is $50 or more and user is not CERTIFIED. The system will show you an alert and tell you to certify first to send the money.
We are writing to let you know that we have temporarily paused the funding of PAYZA.
Payza changed their domain from payza.com to a payza.eu last week - a sign that there are issues with the business.
Payza stopped processing payments to/from all UK accounts in the last 24 hours – a sign their UK operations may be grinding to a halt.
This is not a good sign and an indication we now need to tread carefully with your funds so any loses are minimized in case of further problems. We have therefore suspended all funding and withdrawals from Payza to give us an opportunity to further understand what is going on. Now is the time to consider alternatives so you are not stranded with your Online activities. See our eCurrency page here for alternatives - https://www.onlinenaira.com/ecurrency.htm
We will update you as soon as we have more information, but in the meantime, you will not longer be able to use Payza with OnlineNaira.
We have now automated the process of bringing PM into OnlineNaira. To bring PerfectMoney into OnlineNaira, pls login and click on on DEPOSIT MONEY.
We have completed the OnlineNaira plugin for Cubecart version 6.
We have completed the OnlineNaira plugin for Opencart version 3.
From today, OnlineNaira has made it possible for members to suggest Bitcoin and Naira/$ rates. We know how complex the rate calculation could be and we have now changed the OnlineNaira Code to accept suggestions from logged-in members so they tell us what rates they would like us to use for their transactions.
Why not look around and see what rates are obtainable on the streets of Nigeria (for Naira/$ rates) and online (for Bitcoin rates). The rates you suggest are used in all calculations on the OnlineNaira website. We use the rates you suggest to calculate the Naira you deposit in order to exchange for $ and eCurrencies, Pay4me, etc and this is the first time any provider is allowing customers to dictate rates.
From today, you dictate our Exchange Rates!
Login now and click on Suggest Rates on the left-hand menu.
Would you like a loan to complete your transaction? OnlineNaira is currently working on a Loans module that will make it possible for you to request a loan that would be automatically GRANTED or REFERRED to Admin Staff depending on your credit status within OnlineNaira. We have created an algorithm to auto determine your eligibility for a loan and its all based on how you run your OnlineNaira account. Expected Roll-out date is September 2017.
We are listening to our users who have so far found it difficult to upload their photo id and bank statement.
I am delighted to let you know that we have now removed the requirement to rename uploaded files to your username.
The next time we ask you to upload your documents for Certification, our system will allow you to upload any document name as long as it is either .jpg or .pdf.
Our developers are still working to make the OnlineNaira code more efficient and I am glad to let you know that we have updated the SEND MONEY App.
Before this update.
In the past, we allowed you to send money to others using their username and email address even when their details did not exist on our database. If you sent to a username that did not exist on our database, the system reported you sent money to an unregistered user.
After the update.
We have now changed the code to stop money from being sent to an unregistered username. This will ensure money goes into the right account at all times and any wrong username rejected. We are still allowing money to be sent to any email address. This is because the owner of the email address would be able to claim the money you sent if they do not already have an OnlineNaira account.
We also made it possible last week for you to send money to other people using their mobile phone number. We are currently sending instant payment notification (IPN) by email, but we are also updating the code so that an SMS is sent when you send money to a mobile phone.
If you would like so see other features added to our SEND MONEY App, pls feel free to get in touch.
We are delighted to offer you more features to give you a richer OnlineNaira experience. If you have had a transaction with another user in OnlineNaira, you can now see if that other user is online while you are signed-in. To see their online status, login and click on Statement on the left-hand menu, click on View next to any transaction and you will see the user's online status flashing; flashing green for online and flashing red for offline. Remember, you will not be able to see the online status of a member you never had a transaction with in OnlineNaira. Equipped with the knowledge that the person you just sent money to is currently online and in OnlineNaira should help to make your business communication even better. Ask a member of staff in chat if you need help seeing a user’s online status.
We are delighted to confirm that we have been able to add a new script to the OnlineNaira code to prevent duplicate bank details. Before this update, 2 or more users were able to provide same bank details for withdrawal purposes. This has now been fixed and every user is now able to add their own bank account details and be confident that no other person is using their account. This also means that a new user cannot use bank details linked with previous accounts that were suspended or banned.
This update will only apply to new accounts from today and will not rectify previous bank detail issues. If you are using the same bank details in more than one account or you are aware such is happening, please login now to make changes and it may delay your withdrawal at a later date.
We are delighted to inform you that our card deposit system is working again. We have had issues with card deposits for a while, but our developers have now rectified the issue with Interswitch and card deposits are not working smoothly once again. You may like to know that at the moment, Card deposits are by far the fastest way to fund your OnlineNaira account as there are no manual checks involved. This means you could make a card deposit within 30 seconds and the money shows up in your OnlineNaira account instantly. To do a card deposit, pls login and click on DEPOSIT MONEY. Enter the amount to deposit in Naira and choose Card Deposit. When you submit, you'll be taken to the Interswitch Interface to enter your Card details. We accept all cards issued in Nigeria including MasterCard, Visa and ATM Cards.
We are providing a final update on this issue as a few people are still asking what is the situation with Floral, when would Floral start again, how could they make a deposit into floral and some others are still asking what is the situation with their investment capital and profit.
Floral Investment no longer uses OnlineNaira, they no longer have an account in OnlineNaira and we have been unable to communicate for about a month. If you have any queries on how to do more investments with them, you will need to look for them wherever they are. If Floral comes back to do business with OnlineNaira, we will accept them, but it would be on different terms. However, they will be unable to use the old account that is now closed. If Floral still owes you, OnlineNaira will no longer entertain capital or profit related queries as we do not have an investment program.
OnlineNaira is not doing anything to look for Floral Investment, we cannot look for Floral investment and we have no plans to look for any seller who allegedly goes away with your money. It is your responsibility to look for whoever goes away with any monies you agree between yourselves.
OnlineNaira is a payment gateway and our job is to send money from person A to person B irrespective of who these people are. If you send money to anyone, be sure you know who the person is as OnlineNaira cannot be drawn on the reliability of the recipient.
When we intervened, we promised to use the money left in Floral’s closed account to pay people who had just made a deposit prior to the account closure and those who never received any profits from floral, but that depended on the amount of money we had left. Today, we have paid people and we keep doing so until all the monies left in their account exhausted. If you were not paid, it means you now need to ask Floral for your money as OnlineNaira does not owe you.
If any monies are still missing from your account as a result of the script error we have on the 22 May, pls feel free to send us an email (email@example.com) and we will do all to help. Out Staff will not take Floral related issues in chat and pls do not call us on phone. All Floral issues are dealt with in the specified email address.
If you are in any doubt or still need further clarifications, please take some time out to read our user agreement again as this is the final update in respect of Floral.
Thank you for your email and here's our response:
1. Some believe that you Kayode owns both floral investment Ltd and Onlinenaira Payments Gateway
It is ok for anyone to believe what they want, but that does not make it true. OnlineNaira has nothing to do with Floral and these are 2 very different companies. It is only fools who place their facts on unfounded allegations. All you need to look at is the way OnlineNaira operates and offer Customer Services compared to other companies in Nigeria including Floral when they existed.
2. Some believe that you knew that floral investment is a scam but selfishly used them to defraud Africans
Anyone can believe what they want, but we accept everyone here at OnlineNaira. No one registers telling us they are in OnlineNaira to defraud. Even when they create a username called fraudsters, there is nothing we can do but to accept them. We offer no apologies for not checking anyone out as that is not part of our business strategy. We do not know any companies in Nigeria who would checkout people to see if they are who they say they are. When you signed up with OnlineNaira, why did you keep doing business with us when you realised we did nothing to check you out? The simple answer is that OnlineNaira does not check people out, we have no way of checking people out, we do not plan to check anyone out and our business will not be about checking people out in future.
OnlineNaira is a payment gateway and what we do excellently is send money to whoever you ask us to send money to. When we have delivered your money (even to a fraudster), our work is done. It is 100% your responsibility to know who you ask us to send money to. If they later default, you should only blame yourself 100% and not involve the messenger.
3. Some are about to take up legal action against Onlinenaira Payments Gateway
Just as people are free to believe what they like, people are also free to do what they want in a free world. We will respond to anyone who serves us a notice. We love what we do here and we know we do it excellently.
4. Majority believe you betrayed them and their trust in you
We have not betrayed anyone’s trust as we have delivered all monies given to us 100%. If we have betrayed anyone, it would be people whose monies we did not deliver. Today, we are not aware of anyone whose money we have not delivered to the intended destination. What people may be unhappy about is not going after a seller who has gone away with their money. We did not introduce Sellers to anyone, but our buyers give us instruction to send money. When the money is sent, there is nothing we can do to get it back except the recipient gives it back.
Please Oga Kayode, I believe in Onlinenaira Payments Gateway and that's why I want you to take this issue seriously. Your doing so will boost customers confidence in you and your system and companies
OnlineNaira has been sending and receiving money for over 6years and we intend to continue to do so. We want people to stand on our promises and not on what they think our promises are. Read our agreement before you join and if a promise is too good to be true, do not subscribe to it online or offline.
Please Oga Kayode, what went wrong? How do I recover my money and save my reputation? What's the way out of this quagmire
As far as we know, OnlineNaira has the capacity to handle more than 1 Million payments daily, but Floral decided not to go ahead with us. The truth is that we have no idea how you could get your money from Floral when they have refused to respond to our emails. We have no other way of contacting them other than in emails and all those who paid Floral through OnlineNaira have the same email addresses. OnlineNaira cannot take Floral’s responsibility as we are not party to the agreement you signed with them.
Sent: 05 June 2017 19:14
Subject: Floral Investment Complaint
Hello Oga Kayode!
How is family and business? Kindly note that I am still in touch with the company I wrote you about regarding possible partnership.
Please Sir, I would have mentioned to you about the issues regarding floral investment Ltd but I was hoping they'll resolve the problem before now.
I am having close to 2 million naira trapped with floral investment. The reputation of your Onlinenaira gave me the confidence that my investment is safe. But what had happened had proved me wrong.
I 've had similar experience with a PayPal customer but PayPal fought for me and I got refunded. I have many friends and family that invested in floral investment because of my reputation and now I don't know what to tell them.
Please Oga Kayode, what went wrong? How do I recover my money and save my reputation? What's the way out of this quagmire?
I am writing you concerning this matter because your reputation mostly is involved. How? I made some findings among your customers and found out the following:
1. Some believe that you Kayode owns both floral investment Ltd and Onlinenaira Payments Gateway
2. Some believe that you knew that floral investment is a scam but selfishly used them to defraud Africans.
3. Some are about to take up legal action against Onlinenaira Payments Gateway.
4. Majority believe you betrayed them and their trust in you.
Please Oga Kayode, I believe in Onlinenaira Payments Gateway and that's why I want you to take this issue seriously. Your doing so will boost customers confidence in you and your system and companies.
Answers to An Email
03 June 2017
Thank you for your email. Here’s our reply:
Q - The reason why most people put their hard earn money into floral is because of the credibility of the onlinenaira.com that floral investment partner with as a payment date way, and most of us made due consultation about this company through the onlinenaira agent about the credibility of floral and they told us that they are credible we can invest our money into it.
A - I appreciate the fact that a lot of people investment in floral as a result of the credibility of OnlineNaira. However, that does not pass-on to us the responsibility you have to ensure your financial transactions are legit and do due diligence to know you are sending money to the right person/business. It is a lie that OnlineNaira staff told you that Floral or other seller is credibility because the official line is not to say such things even before Floral started to use us. We cannot tell you about anyone’s credibility as we do not have the logistics to check and confirm anything anyone says to us.
When floral investment defaulted about whatever agreement they entered into with onlinenaira, the investors were not dully contacted about the decision that onlinenaira.com took to go on and close floral investment account.
Floral’s agreement with us is exactly the same agreement that you signed with us so there is nothing special other than the fact that they attracted a lot more users. It is a lie that we did not duly inform investors about our decisions before closing their books. We posted updates almost on a daily basis for everyone to see and when floral did not respond to our emails, we had to stop their activities to prevent more people paying to them.
Q - Onlinenaira told us the investors that they handle 70% of floral investment financial transaction, by implication the major financial institution that floral use should be onlinenaira.com. base on this level of relationship, onlinenaira.com cannot tell us that they don't know where floral investment company is domicile, and in the case of this development there should have been a representative that should be send to floral to verify the situation of things physically and not just taking decision base the fact that someone did not respond to the mail you send to them.
A - Onlinenaira told us the investors that they handle 70% of floral investment financial transaction – this is a lie. We never said such a thing.
A - onlinenaira.com cannot tell us that they don't know where floral investment company is domicile – just as we asked you to certify your account with us, we also asked the person who signed up floral to certify and we have the certification details on file. We are not interested in where they reside or making efforts to know if they really live in such a place. We do not have the logistics and that is not our business. Our business is to send money from person A to person B. It is 100% your responsibility to know who you are sending money to. Our contract starts with you when you give us the money and stops when we deliver the money. It is not our business why you sent the money or if you get the value of your buy. However, we have a responsibility to intervene if you make a complaint and we did in this case.
Q - Onlinenaira.com told us that after closing floral account, the will pay those who send money to floral that they didn't fund floral account with, and those who send money to floral and have never receive any money from floral investment. now you guys are telling us that is only those whose money were send to floral that you were able to pay, what about those who send money and never receive any money as you promised, you can not tell us that you didn't know how much was in their account before make those gazette.
Base on the above reasons, i must said that onlinenaira has disappointed us that made investment to floral through them.
A - When we declared Floral to have defaulted, we did say we were going to process refunds for some people and that only depended on the amount of money left in floral’s account at the time we closed their account. We have now sent back money to all those who paid floral like a week before we closed their account and all those who paid after we closed their account.
Please do let me know if you need further clarifications as we are here, ready and able to face up to our one responsibilities.
I am xxxxxxxxxx by name and one of the investor in floral investment company via onlinenaira.com.
i am here to express my heart felt in the manner in which onlinenaira.com handle the investors whose hard earn money got stocked in floral without knowing the of return. i must sincerely say that onlinenaira.com did not act to protect the interest of the investors who invested their money into floral through them base on the following reason.
1. The reason why most people put their hard earn money into floral is because of the credibility of the onlinenaira.com that floral investment partner with as a payment date way, and most of us made due consultation about this company through the onlinenaira agent about the credibility of floral and they told us that hey are credible we can invest our money into it.
2. When floral investment defaulted about whatever agreement they entered into with onlinenaira, the investors were not dully contacted about the decision that onlinenaira.com took to go on and close floral investment account.
3. Onlinenaira told us the investors that they handle 70% of floral investment financial transaction, by implication the major financial institution that floral use should be onlinenaira.com. base on this level of relationship, onlinenaira.com can not tell us that they don't know where floral investment company is domicile, and in the case of this development there should have been a representative that should be send to floral to verify the situation of things physically and not just taking decision base the fact that someone did not respond to the mail you send to them.
4. Onlinenaira.com told us that after closing floral account, the will pay those who send money to floral that they didn't fund floral account with, and those who send money to floral and have never receive any money from floral investment. now you guys are telling us that is only those whose money were send to floral that you were able to pay, what about those who send money and never receive any money as you promised, you can not tell us that you didn't know how much was in their account before make those gazette.
Base on the above reasons, i must said that onlinenaira has disappointed us that made investment to floral through them.
Script Error Update
30 May 2017
We are delighted to inform you that we have fully recovered from the script error we had last week and all data that were missing as a result have now been restored but for the period 11 - 24 May.
Here's a reminder of what happened last week:
We added a new script to auto delete initiated deposits that were older than 24 hours, but we soon found out a mistake in the script also deleted all the payments made between two OnlineNaira users from 2011 to May 24, 2017. This is the reason a lot of our members saw a wrong balance in their account just before the weekend. This would not have been an issue if our backup was up to date, but we found it was only up to date till 11 May, 2017. We have now restored the backup we have and all accounts are correct again except for transactions that took place between 11 - 24 May. Our estimate is that we have now recovered 95% of the data we lost in the process.
If you did not carry out any transactions in your OnlineNaira account in the period affected, then your account is now up to date. However, if you notice any transactions are missing from your account during the period mentioned, please tell us what is missing and we would work with you to restore immediately.
Our sincere apologies to all those who have been affected in one way or the other, but we worked round the clock over the long weekend to ensure your transactions are not only correct, but safe. The offending script has been removed, our backups are working once again and will continue to do so for a very long time.
We are doing all to ensure you can rely on OnlineNaira to keep looking after your online transactions.
Kayode Adesiyan, CEO.
Script Database Reconstruction Update
29 May 2017
We would like to thank you for your patience while we recreate our database after the script error of last week. At the time of writing this update, we are like 80% done and we hope to have rebuilt our database at the end of today. After tonight, we would welcome any queries about any missing payments from your account from 11 May to 24 May. If you did not carry out any transactions in that period, your account is now up to date.
If you sent money to anyone from your OnlineNaira account or you received money from anyone (including Floral Investment) in the period mentioned about, you may also need to get in touch with us as the money may not be showing in your account. Please feel free to avoid calling us on any of these issues as it is more effective to use Emails. When you send us an email about any missing payments, pls also send us any screenshots or emails as proof.
Script Error Update
27 May 2017
We have been able to restore the OnlineNaira database, but up to 11 May. Pls bear with us as we try to recreate all transactions after 11 May; this we believe will require the rest of this weekend to resolve. In the meantime, withdrawals are still restricted as the missing transactions mean some users still have wrong balances.
It is important to reiterate that Floral no longer communicates with us. The last time communicated with us was 10 days ago. See our last transaction in the screenshot below.
Script Error In Database
24 May 2017
At the time of writing this update, refunds had been done from Floral's closed account to all those who sent money to Floral after 02 May 2017. We sent back their monies because they had not received any monies from Floral and because we had the money to pay back.
However, we had a script error earlier and that created some issues in our database. The script error also meant all payments from one user to the other were deleted and most users now had a wrong account balance. Your correct balance will reappear as soon as our database is restored later today.
If you fall within the group of people due a refund, we would complete all remaining refunds as soon as our database is completely restored.
OnlineNaira Refunds New Depositors
24 May 2017
In an attempt to reduce the pain of Floral’s default on our users, OnlineNaira has begun refunding monies to the most recent depositors. These are users who made deposits after or just before we closed Floral’s account. We will continue to pay this monies until we exhaust Floral’s closing balance.
It must be understood that this refund process is no guarantee that every new Floral Customer will get their money back. While Floral used OnlineNaira as their payment gateway, we offered our services and we processed all payments in a timely manner.
OnlineNaira cannot and is not paying any capital, principal or profits or any other payments you expected from Floral as we are not party to any agreements you signed with Floral.
We hope to complete this process by Friday, 26 May.
Floral Investment Account Is Now Closed
22 May 2017
OnlineNaira has closed Floral Investment's Account from 12 noon today. This means Floral Investment no longer has an account with OnlineNaira and we are no longer able to process payments for them. This has become necessary for the following reasons:
We have now sent Floral an email to let them know their account is closed and also to let them know how we plan to disburse their account balance.
It is important to mention here that we do not have any outstanding obligations as far as floral customers are concerned. If you have issues with floral, now is the time to contact floral on their website.
We have now begun to reverse all payments made by Floral to users who did not send money to Floral using OnlineNaira in the first place. This will ensure we have as much money as possible to send back to users who sent money to Floral using OnlineNaira. This process is expected to take a couple of days.
All future developments in respect of Floral would be added to this page.
Floral Investment Update
21 May 2017
We have waited for Floral Investment to reply to our emails in which we stated clearly the actions they needed to take in order to get their account active again, but we have not received a reply from them as at 7am this morning. While we have sent them a reminder, we are here setting out a course of action should they default.
If we do not receive a response from Floral by 12:01pm on Monday, they would have breached the contract they had with their users and their OnlineNaira account would be closed. In the event of account closure, we would declare their closing account balance on this page and we would disburse the money according to the following criteria:
It is important to remember that we are not Floral and were are not a party to the contract you signed with Floral when you started with them. The monies we plan to send back to users in the event of a default is only based on what we see happening within OnlineNaira. When the monies left in their account after closure is exhausted, we would no longer be in a position to payout any more monies.
OnlineNaira is a payment gateway (we send and receive money) and our contract starts with you when you ask us to send money and stops when you confirm the recipient has received the money. If the recipient decides not to honour any agreements you had with them, it is totally between both of you. This is the reason you must do due diligence before deciding to send money to anyone.
19 May 2017
OnlineNaira has begun reversing payments made by Floral to users who did not make a deposit to Floral from within OnlineNaira. This is to ensure there is as much money as possible made available to people who made a deposit with OnlineNaira in the event of a default. Be assured that we are monitoring the situation and we will publish further updates on this page.
If there were no issues with our relationship with Floral, we would have allowed all such Floral payments to stand. However, we are unable to allow these payments by Floral to people who made deposits to Floral using other payment gateways as we have a duty to look after the interests of those who paid Floral through OnlineNaira first.
If we have canceled a payment you received from Floral in the last few hours, then you would need to contact floral to send your money through the other payment channel you used to pay them in the first place. If Floral resumes payments by Monday, 22 May, these payments would be allowed once again.
We have had to suspend Floral's account in OnlineNaira as we did not receive a reply to an earlier email. Account suspension means Floral is no longer able to access their account within OnlineNaira until all the conditions in the email are met.
It is important to note that we have not frozen Floral's account and that is because we believe they need time to respond to our email. If Floral does not respond to the email we sent to them by the Monday, 22 May, we would declare Floral to have defaulted on their agreement to all who did business with them through the OnlineNaira platform.
In the meantime, pls do not make a deposit into Floral's account as it would not be accepted.
This is to formally inform you that we have temporarily stopped all Floral related deposits. OnlineNaira will not allow any more deposits into the floral investment account in OnlineNaira until Floral has met the following conditions:
We are sorry, but we had no choice but to take this action to protect the integrity of OnlineNaira Payment Gateway and the interests of our members. It is important to remind you that in the last 7 days, Floral processed withdrawals daily and people were paid. However, we have had to temporarily pause deposits as the number of complaints increased from those who were no longer receiving payments.
Pls do not make any further deposits into Floral's account as we are no longer accepting such deposits until Floral meets the conditions above. Should you need further clarifications, pls send an email to firstname.lastname@example.org as Floral issues will not be discussed in chat or over the phone.
As a result of increasing complaints from Floral Investors, we have taken the unprecedented step of suspending Floral's ability to withdraw monies into their International Bank account. This is a temporary measure to allow Floral's Management to respond to an email demanding action from them. Most complaints were related to late profit payments.