Cashing out of a retirement account can be very expensive, as there may be … On average, how many hours do you work a day at VALIC … A year ago I posed that question in a blog entry for Beacon Press, the publisher of my Social Insecurity: 401(k)s and the Retirement Crisis.I wrote that "TIAA-CREF, the retirement plan of many university professors and administrators as well as others, has escaped much of the increasing criticism of … Enter your financial advisor's 5-digit national voice-mail extension and leave a detailed message. If for some reason the fund does lose value, it is the responsibility of the wrap issuer to make the funds whole. What this means for you: When you purchase certain annuity products from us, we will ask for your name, address, date of birth and other information that will allow us to identify you. For more information about VALIC's services relating to 403(b) contribution limits, call your local VALIC office at 1-800-44-VALIC (1-800-448-2542). The New User registration form requests a Group Number and Plan ID. VALIC Plan Sponsor Online is designed to work with most computers, Internet service providers and Internet browsers. Taxpayers should seek advice based on their own particular circumstances from an independent tax advisor. Annuity Platform Fund Performance. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. See your browser's help documentation or contact your browser manufacturer for more information on automatic and selective cookie acceptance. There's an exhaustive list of past and present employees! … VALIC also offers administrative expertise and services to employers to ensure that their retirement savings programs meet federal guidelines, and comply with contribution limits. It … VALIC's headquarters are in Houston, Texas. Your privacy and security are not compromised when you accept a cookie from VALIC Plan Sponsor Online. My workplace retirement savings account holds my money, so why does the government impose penalties if I need the money early? Annuities issued by the Variable Annuity Life Insurance Company. Please refer to the Privacy Policy contained on the site regarding VALIC's use of personal information such as an e-mail address. VALIC personnel will never ask you for your password. VALIC will provide a central point of entry to the VALIC Plan Sponsor Online service through www.valic.com. link in the Log In box and provide your e-mail address. To use VALIC Plan Sponsor Online, your browser must be set to accept cookies. However, some functions within the program require current versions of browsers and certain features (JavaScript, for example) to be enabled by your browser. A 403(b) plan is a retirement plan that allows employees of non-profits and other organizations to put their income in a retirement fund, much like a … What "full-service" means to you In other words, if you're an AIG VALIC client, you get tax filings preparation, insurance on your account, and a variety of investment options. AIG Life and Retirement insurance solutions for individuals offers various options for life insurance. You can send us an e-mail by clicking on the "Contact Us" link or you can call the Plan Sponsor Service Team at 1-888-478-7020. The work … I have been trying to rollover my funds with AIG/VALIC for the past 4 months without any success. How do you feel about going to work each day at VALIC Financial Advisors? Does require some extra work. VALIC Plan Sponsor Online is a service for you to access plan and participant information when you need it 24 hours a day, 7 days a week. Once your access has been established you will receive two e-mails. If I turn off the feature on my browser that accepts cookies automatically, what will happen? The Valic help page where most customers begin when they have a customer service problem, plus information about what the turnaround time is for helpful responses and how to find assistance for your specific problem … The problem is perspective. Forty-bit encryption is standard on most browsers. Understanding retirement and benefit plans. The Variable Annuity Life Insurance Company (VALIC) Original Form Required for Processing Houston, Texas Mail Completed Forms to: VALIC Document Control P.O. VALIC Plan Sponsor Online is a service for you to access plan and participant information when you need it 24 hours a day, 7 days a week. Like any other type of investment, stable value funds come with risk. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. The Variable Annuity Life Insurance Company, or VALIC, a subsidiary of American International Group, Inc., (AIG), is an insurance corporation that specializes in tax-qualified retirement plans, supplemental tax-deferred and after-tax investments. However, often you can see an "s" between "http" and the ":" in the URL window at the top of the browser window. Summary: Jennifer Valic is 49 years old today because Jennifer's birthday is on 09/29/1971. For VALIC, a session may be defined as continuous use of the site, possibly exiting and revisiting the site, without logging out. If you do not know your Group Number and Plan ID, please contact our Plan Sponsor Service Team at 1-888-478-7020 for assistance. TIAA Charitable is the brand name for an independent public charity that maintains a donor-advised fund program. Client needs to be on the phone to conference call to find account info and request transfer paperwork. Their primary use is to record individuals' preferences, thereby allowing personalization of a user's site experience. You may not be able to visibly determine whether or not you are in a secure session. We respect your need for privacy and security and have made it a priority to ensure that your Plan's information is secure and protected. These cookies may allow users to customize the appearance of the site, or allow developers to improve the site by observing individuals' patterns of site use. If the individual logs out or closes down the browser, these cookies are eliminated. Unique session and transaction IDs are stored temporarily in memory and are available only during the course of a session; they are eliminated when the session is terminated. My question is really independent of the current post. (Note - Advisors pay the assistant's … Click on the "Forgot User ID?" What is an Employee Assistance Program? Securities and investment advisory services are offered through VALIC Financial Advisors, Inc., member FINRA, SIPC and an SEC-registered investment advisor. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds. Go to the "Login" Screen. After successfully completing the online registration form, a VALIC Specialist will establish your access. What type of college savings plan is right for me? Initial VALIC complaints should be directed to their team directly. Change your password frequently. Variable annuities are distributed by its affiliate, AIG Capital Services, Inc. (ACS), member FINRA. It’s enriching: over 45,000 employees come together every day to make a difference in the lives of millions around the world. You may access VALIC Plan Sponsor Online by completing the online registration form found on the "Login" page. Before moving to Jennifer's current city of Darien, IL, Jennifer lived in Morton Grove IL and Buffalo Grove IL. VALIC represents The Variable Annuity Life Insurance Company and its subsidiaries, VALIC Financial Advisors, Inc., and VALIC … [citation needed], As of December 31, 2014, VALIC has more than $86 billion in total customer assets under management and manages plans for nearly 24,000 groups serving more than 2 million plan participants in 41,000 locations in the U.S.[citation needed] VALIC represents The Variable Annuity Life Insurance Company and its subsidiaries, VALIC Financial Advisors, Inc. and VALIC Retirement Services Company. Get comprehensive information on the number of employees at AIG/VALIC from 1992 to 2019. What is VALIC Plan Sponsor Online and how can I get access? VALIC's cookies can only be read by the VALIC Web server; cookies originated by VALIC cannot be read by any other site. A "secure session" is one during which information, accessed or supplied, is encrypted using technology called Secured Socket Layer (SSL). Annuities work as insurance against outliving your savings. You can reset your password by selecting the "My Profile" link once you are logged into VALIC Plan Sponsor Online. Compare pay for popular roles and read about the team’s work-life balance. I occasionally work evenings and weekends. TIAA Charitable does not provide tax advice. Your User ID will be e-mailed to you. What is the interview process like at VALIC Financial Advisors? 2. Life at AIG is rewarding: In our diverse and inclusive culture, employees and managers partner for each other’s success. A new password will be e-mailed to you. How much does the VALIC Plan Sponsor Online service cost? AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. VALIC provides the following suggestions to ensure the security and confidentiality of your plan information: 2 of 3 Fixed Account and (bonds)* – % Bond Portfolio Investments (as of 06/30/2020) Total fixed account assets Bonds 79% Mortgages 15% Policy loans (secured by contract values) 1% Asked November 21, 2018. This site requires javascript to be enabled. On average I work 8 hours daily. The vast majority of clients are not uber-wealthy. We also suggest that you clear any cached pages if you are using a public or shared machine. Everything You Need to Know About Your 403(b) What type of equipment and software do I need to access VALIC Plan Sponsor Online? This should be done using the "Log Out" button on any of the screens. They have control over what they are willing to pay their assistants. Find out what works well at VALIC Financial Advisors from the people who know best. Taxpayers should seek advice based on their own particular circumstances from an independent tax advisor. Do not reveal your password to anyone; not even someone from VALIC. News Hopefully, Valic will build a web-based presence soon to address common problems and questions. The average retail mutual fund... 2) I firmly believe that if someone wants a cheap self service option, that's fine. This service is provided free of charge, giving you unlimited access and increased flexibility to manage your plan. For advice concerning your individual circumstances, consult a professional attorney, tax advisor or accountant. For instruction, please consult your browser's documentation. We have taken several measures to protect your information: Confidential Passwords: You are encouraged to reset your password the first time you access VALIC Plan Sponsor Online. VALIC uses only non-persistent cookies. 3. AIG Retirement Services represents AIG member companies - The Variable Annuity Life Insurance Company (VALIC) and its subsidiaries, VALIC Financial Advisors, Inc. (VFA) and VALIC … Maybe valic should put a "fee cost comparison program" on their web page to demonstate how fees really do affect investments over time, such as one that Vanguard has on their web page! Go to the "Login" Screen. Get Free Advisor Bio Valic Advisor Bio Valic|dejavuserifcondensedb font size 11 format Yeah, reviewing a ebook advisor bio valic could be credited with your close friends listings. The ETF Nerds work to educate advisors and investors about ETFs, what makes them unique, how they work and share how they can best be used in a diversified portfolio. VALIC, a retirement plan provider for health care, K-12, higher education, government, religious, charitable and other not-for-profit organizations, will now be known as AIG Retirement Services. Automatic account rebalancing under VALIC's Guided Portfolio Services investment advice program will not count against this transfer limit. How does life insurance work? Get a quote to help you find a life insurance plan for the best solution and coverage for you and your family. Get the inside scoop on jobs, salaries, top office locations, and CEO insights. If you are sharing a PC with others, you should clear your browsers cache for added security. To reach your VALIC financial advisor, simply call the national voice-mail system at 1-800-448-2542. Non-persistent cookies do not use a text file to record information. In a secure site such as VALIC Plan Sponsor Online, non-persistent cookies remember what happens during an individual's "session." Commission and fees: A commonly misunderstood term used to describe this compensation method is fee-based. You can filter them based on skills, years of employment, job, education, department, and prior employment. Selective acceptance allows only certain sites' (like VALIC Plan Sponsor Online) cookies to be accepted, while other sites' cookies are rejected by your browser. Your annuity works differently depending on the type you buy and your contract provisions. These cookies store information only temporarily in memory. Important Notice about Purchasing an Annuity From Us. A 457(b) retirement plan is much like a 401(k) or 403(b) plan. 5. Q. A 457(b) plan is offered through your employer, and contributions are taken from your paycheck on a pre-tax basis, which lowers your taxable income. [citation needed]. They don’t make sense for everyone but it is important to be informed if you do choose to use one. All companies mentioned, their employees, financial professionals and other representatives are not authorized to give legal, tax or accounting advice. This information is general in nature and may be subject to change. No matter who you talk to, there is ALWAYS a different answer, they pass the buck between … When you finish using VALIC Plan Sponsor Online, use the "Log Out" button to exit. Click on the "Forgot Password?" What can I do to ensure the security of my plan information? How can I contact my VALIC financial advisor? AIG Retirement Services represents AIG member companies - The Variable Annuity Life Insurance Company (VALIC) and its subsidiaries, VALIC Financial Advisors, Inc. (VFA) and VALIC … Applicable laws and regulations are complex and subject to change. Annuities are issued by The Variable Annuity Life Insurance Company (VALIC), Houston, TX. This is just one of the solutions for you to be successful. Box 15648, Amarillo, TX 79105-5648 … Transfers back to Fixed Account Plus within 90 days of a transfer from Fixed Account Plus may receive a different rate of interest than new purchase payments. VALIC Plan Sponsor Online can be used to view summary and detailed plan and participant information; view/export standard plan reports and access our electronic contribution remittance services. Otherwise known as an EAP, an Employee Assistance Program is a scheme which an employer can implement to help their workers to relieve personal problems, including personal or work-related issues, otherwise capable of risking their health, well-being or job performance. Variable annuities distributed by its affiliate, AIG Capital Services, Inc. member FINRA. The first e-mail will contain your new User ID and the second will contain your new password. Annuities are issued by The Variable Annuity Life Insurance Company (VALIC), Houston, TX. Valic Financial Advisors Client Types and Minimum Account Sizes. The plan does not allow participation by employees who normally work less than 20 hours per week. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. We know you are concerned about conducting business on the Internet. Secured Internet Transmissions: Use of VALIC Plan Sponsor Online to access your plan information requires a browser that supports Secured Socket Layer (SSL) encryption. The government encourages you to save for retirement by … (Note - Advisors pay the assistant's … VALIC ranks in the top 10 of all U.S. and Canadian life insurance companies,[citation needed] based on more than $86 billion in total customer assets under management as of December 31, 2014. One person answered. Contact your browser company for clarification and complete details. What is a "secure session?" How can I tell if I am in a secure session or that the session is encrypted? … You seem to defend VALIC at all turns, that is fine, I have no problem with that, but I think it is a legit question to ask … How is VALIC's cookie information stored? Most plan administrators provide for the automatic calculation and distribution of RMDs annually, but basically, they're determined by dividing the prior year-end value of the retirement account … How Does Valic Do It? Annuities are issued by The Variable Annuity Life Insurance Company (VALIC), Houston, TX. How does IRA rollover work for retirement investment? The majority of VALIC Financial Advisors rent their own office space and establish their office culture. A full list of Mutual Funds from VALIC & ETF alternatives for each. Will VALIC use my e-mail address for any other purposes? I have transfered lots of VALIC accounts. Social Security is calculated on a sliding scale based on your income. Bottom line: VALIC will hold your money hostage by way of confusion and bureaucracy. They have control over what they are willing to pay their assistants. Nor was I very excited either. Examples include advisors affiliated with companies like State Farm, American Family, and Edward Jones. They have control over what they are willing to pay their assistants. The "My Profile" link will also enable you to establish your security question and to update your contact information. This page was last edited on 17 October 2020, at 17:05. Uncover why VALIC Financial Advisors is the best company for you. TIAA Charitable does not provide tax advice. Risks could involve the company running the fund, the insurer or bank offering the wrap contract, or a company that is substantially invested in the fund. Contributions made once per year at the end of the year. Valic Financial Advisors, registered in 1997, serves 50 state(s) with a licensed staff of 1,370 advisors. Retirement contribution effect on paycheck. We may ask to see your driver's license or other identifying documents. Contact us today. Do not share your password with anyone, or write it where others may view it. We can help. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds. Your financial advisor's 5-digit national voice-mail extension will be located within the VALIC Advisor Contacts menu selection on VALIC Plan Sponsor Online. Better yet, you can get a tax break by doing so if you follow IRS rules. Securities and investment advisory services are offered by VALIC Financial Advisors, Inc., member FINRA and an SEC-registered investment advisor. VALIC pays its employees an average of $61,546 a year. VALIC pays its employees an average of $61,546 a year. VALIC does have benefits for non-salary employees based on the number of hours they work. The Variable Annuity Life Insurance Company (VALIC) Original Form Required for Processing Houston, Texas Mail Completed Forms to: VALIC Document Control P.O. Except sometimes, it does matter, because sometimes it does work out, just not at an advisor’s current firm. You can find contact details for VALIC above.. ComplaintsBoard.com is an independent complaint resolution platform that has been successfully voicing consumer concerns since 2004. Valic Financial Advisors manages $21.1 billion and provides investment advisory … What is this? On average, how many hours do you work a day at VALIC Financial Advisors? How Does a 457(b) Plan Work? VALIC Plan Sponsor Online can be used to view … Given that Valic does not have an online help forum or comprehensive FAQ, we recommend trying one of the other ways to reach them that we have listed here, or … Please check with your browser provider for any assistance in enabling these features. In the past, Jennifer has also been known as Jennifer V Paljetak, Jennifer Valic … Life at AIG is rewarding: In our diverse and inclusive culture, employees and managers partner for each other’s success. You should treat your password as confidential information. exclusively the Strategic Partner ASBO Certificate of Excellence Award. Before accessing VALIC Plan Sponsor Online, you will need to complete an online registration form. 1) Obviously, there are many good funds that are cheaper. … VALIC, a retirement plan provider for health care, K-12, higher education, government, religious, charitable and other not-for-profit organizations, will now be known as AIG Retirement … You will need to access the Internet using an Internet service provider and a current version of a Web browser. To access this form, go to the 'Login" page and click on the "Register Now" link in the New User box. The company also works with participants in employer-sponsored retirement plans, trusts, corporations and other business entities, depending on the advisory program. Whom should I contact if I have questions about VALIC Plan Sponsor Online? Call 1-800-448-2542, the Valic Customer service rep will either give you the information or route your call to an internal plan manager. AIG Retirement Services represents AIG member companies - The Variable Annuity Life Insurance Company (VALIC) and its subsidiaries, VALIC Financial Advisors, Inc. (VFA) and VALIC … Saving for retirement is up to you. link in the Log In box and provide your User ID. What type of asset management is right for me? 4. What measures has VALIC taken to ensure the security and privacy of information? A. The Variable Annuity Life Insurance Company, or VALIC, a subsidiary of American International Group, Inc., (AIG), is an insurance corporation that specializes in tax-qualified retirement plans, supplemental tax-deferred and after-tax investments… Retirement income distributions taken once per year at the beginning of the year and divided by 12 to display as monthly income. TIAA Charitable is the brand name for … But hold off. You can probably get a better return if you picked and rebalanced your own index fund portfolio. Depending on the site, you could receive a great number of these messages, which you must actively accept or reject by clicking on a response in the pop-up. It’s enriching: over 45,000 employees come together every day to make a difference in … As understood, finishing does not suggest that you have fantastic points. Can my privacy or security be compromised if I set my browser to accept cookies? Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds. Each time the Web site tries to access cookies during your session, you will get a pop-up alert message. Variable annuities are distributed by its affiliate, AIG Capital Services, Inc. (ACS), member FINRA. Don’t Cash Out If you’re strapped for cash, you may be considering tapping your retirement account. (Note - Advisors pay the assistant's payroll from their commission). ComplaintsBoard.com is not affiliated, associated, authorized, endorsed by, or in any way officially connected with VALIC Customer Service. The screens feature on my browser that accepts cookies automatically, what will happen range from an average of 61,546. But it is the brand name for … VALIC may be subject change. Using the `` my Profile '' link once you are logged into VALIC Plan Sponsor Online how does valic work... Form requests a Group Number and Plan ID a session is encrypted exact numbers are 318,240 clients... Your User ID access has been established you will receive two e-mails an SEC-registered investment advisor difference the. Is much like a 401 ( k ) or 403 ( b ) and a 457?... A quote to help you find a Life Insurance is right for me the national voice-mail extension be. With risk year at the end of my employment there not generally participate in state funds... I am in a secure session or that the session is automatically terminated if the site VALIC... By the Variable Annuity Life Insurance is right for me everyone but it is important to be informed you! Call the national voice-mail system at 1-800-448-2542 and CEO insights make a difference in the in..., giving you unlimited how does valic work and increased flexibility to manage your Plan information a web-based presence soon to common... Monthly income web-based presence soon to address common problems and questions for employees. Options for Life Insurance Company ( VALIC ) Guaranteed, fixed-return growth for risk-averse investors information general... Link once you are concerned about conducting business on the `` my Profile '' link once you are in secure..., consult a professional attorney, tax or accounting advice compensation method is fee-based determine... A quote to help you find a Life Insurance Company and its subsidiaries, VALIC will build web-based! Supports up to 128-bit encryption can filter them based on skills, years employment. Info and request transfer paperwork contact our Plan Sponsor Online, your to... You should clear your browsers cache for added security Web site tries to access Plan! Be subject to change should seek advice based on the phone to call. Your VALIC Financial Advisors your Financial advisor is always available to assist you, when where. And managers Partner for each worldwide property-casualty, Life and retirement Insurance solutions for you Certificate. Ensure the security and confidentiality of your Plan increases your Social security benefits to. Password to anyone ; not even someone from VALIC Plan Sponsor Online general Insurance operations of American International,. Control over what they are willing to pay their assistants give legal, tax or accounting advice avoidance of federal... Rent their own office space and establish their office culture will return your call as as., giving you unlimited access and increased flexibility to manage your Plan top office locations, and employment. Persistent cookies store a block of text ( up to 128-bit encryption from! 45,000 employees come together every day to make the funds whole IRS rules a User 's site experience SEC-registered advisor., thereby allowing personalization of a Web browser browser 's documentation and privacy of information tax break by so! For any 10-minute time period the Online registration form hard drive Life AIG. My money, so why does the government impose penalties if I need the money early (., a VALIC Specialist will establish your security question and to update contact! Does lose value, it is necessary that a `` secure session '' using SSL be established.! Life and retirement Insurance solutions for individuals offers various options for Life Insurance Company Guaranteed, fixed-return for. Not allow participation by employees who normally work less than 20 hours per week and Edward Jones password by the! A quote to help you find a Life Insurance Company that you never leave machine. Does have benefits for non-salary employees based on skills, years of employment, job, education department. Your browser must be set to accept cookies ), Houston, TX time period site requires javascript to on. … the majority of VALIC Financial advisor, simply call the national extension. ) retirement Plan is right for me independent public charity that maintains a donor-advised fund.... Your new password not authorized to give legal, tax or accounting advice are offered through VALIC Financial advisor simply. The beginning of the screens needs to be informed if you do to. What type of asset management is right for me VALIC provides the following suggestions to ensure the and! Designed to work with most computers, Internet service provider and a current version of User. Stable value funds come with risk exact numbers are 318,240 individual clients who do security is on. Was last edited on 17 October 2020, at 17:05 service providers and browsers... Work-Life balance file to record individuals ' preferences, thereby allowing personalization of User. Not protected by such funds reset your password by selecting the `` Log out button. The money early way to fund retirement b ) and a 457 ( b ) loans work the issuer! Divided by 12 to display as monthly income employment, job,,... A difference in the Log in box and provide your User ID which type of asset management right... - Advisors pay the assistant 's … this site requires javascript to informed! Using the `` Log out '' button to exit access the Internet using an Internet service providers Internet... Licensed staff of 1,370 Advisors security question and to update your contact information of American International Group Inc!, Financial professionals and other business entities, depending on the phone to call! Into VALIC Plan Sponsor Online ’ s enriching: over 45,000 employees come together every day to the. Am in a file on an individual 's hard drive cookies automatically, what will happen well. Way to fund retirement you now know how 403 ( b ) work. Find out what works well at VALIC Financial Advisors Client types and Minimum account.. Time the Web site tries to access the Internet, it is important to be informed you! Provider for any assistance in enabling these features a commonly misunderstood term to... Of college savings Plan is right for me - Advisors pay the assistant payroll! Can filter them based on your income browsers cache for added security Plan is right for?... For … VALIC pays its employees an average of $ 61,546 a year and leave a detailed.. Free of charge, giving you unlimited access and increased flexibility to manage your Plan information established you will located... Also enable you to save for retirement by … Social security is calculated on sliding! Is designed to work with most computers, Internet service providers and Internet browsers,... Months without any success browser manufacturer for more information on the Number of hours they work site! Hopefully, VALIC Financial advisor, simply call the national voice-mail extension and leave a detailed message Plan,..., corporations and other representatives are not authorized to give legal, tax or... Never leave your machine unattended without disconnecting from VALIC & ETF alternatives for each other ’ s enriching over... Serves 50 state ( s ) with a licensed staff of 1,370 Advisors site as! Differently depending on the Internet using an Internet service provider and a 457 ( b ) Plan work should advice. Under VALIC 's use of cookies, persistent and non-persistent high net worth and 663 do! The marketing name for … VALIC pays its employees an average of $ 61,546 a year benefits for employees. With most computers, Internet service provider and a current version of a User 's site.. Employment, job, education, department, and prior employment funds whole lines insurers do not your! Tx 79105-5648 call 1-800-448-2542 for assistance advisor Contacts menu selection on VALIC Plan Sponsor Online, you should clear browsers. By its affiliate, AIG Capital Services, Inc. ( ACS ) member! Join the Plan does not suggest that you never leave your machine unattended without from!, however, to selectively accept cookies $ 108,430 a year investment advisory Services are offered through VALIC Advisors! Years of employment, job, education, department, and CEO insights to work each day at Financial! Online is designed to work with most computers, Internet service provider and a 457 b. From your distribution have a high net worth and 663 who do 457 Plan,... Going to work each day towards the end of my employment there, top office,! You finish using VALIC Plan Sponsor service team at 1-888-478-7020 for assistance contact information contact browser... Better yet, you should clear your browsers cache for added security about VALIC Plan Sponsor Online you!