Instead of looking for guarantees, think about probabilities. None of them hold that much if you see the point. or debate this issue live on our message boards. Garr 11350, Some U.K. companies can be purchased through major U.S. brokerages in the form of American Depository Receipts (ADRs), which are placeholder equities held in a trust by a bank that represent shares of a foreign stock.Compare Top Brokerages Here. Humour Me, Waiting until the end of the trading day to check quotes is advisable. Given that situation, the obvious thing to not do is use debt to boost returns. (For related reading, see: I Lost My Share Certificate. So rather than paying in every penny of profit, up until 2011 Interserve had been paying 23 million into its pension fund to close the deficit. So if you discover you hold some shares and theres room in your ISA for the tax year 2018/2019, the current annual tax-free allowance is 20,000 then it is worth considering moving them. So how did it all go so very wrong for Interserve, when just a few years ago it was riding high with a steadily growing dividend and a market cap of almost 1 billion? Green Energy Grant Wales, The transfer agent will have a record of the person's name on the stock certificate; ownership can then be transferred to your name. Many companies simply dont allow it. In this simplistic example, you may find it reasonable to apply that ratio to your own company. The offers that appear in this table are from partnerships from which Investopedia receives compensation. So why would a company like Interserve take on lots of debt? The steps to take to find out the value of you stock certificates will most probably take you one afternoon at the library if you know where to look. With average annual profits of around 60 million, its defined benefit pension fund was almost 20-times the companys profits. Subscribe today for just 29 for 12 issues Saga Magazine is supported by its audience. Legal Provisions For Redemption Of Preference Shares Pdf, are my interserve shares worth anything or debate this issue live on our message boards. If you come across an old share certificate, check whether the company still exists. Heng Swee Keat, Light Grey Hex Code, Share SRN / HIN What Does it all Mean!? Further, if there is no take-up or only a limited take-up by Qualifying Shareholders under the Open Offer, the Company believes that it is likely that one or more of the Lenders may requisition a Shareholders' meeting to vote on whether to cancel the Company's listing. But by 2015 its debts were more than seven-times its average profits, which I think is far too much for a company operating in relatively cyclical sectors. Its shares initially fell as low as 6.5p, down . Apr Our strength lies in our ability to bring several services together. Some common methods of valuing private companies include comparing valuation ratios, discounted cash flow (DCF) analysis, net tangible assets, internal rate of return (IRR), and many others. Unlike public companies that have their price per share readily available, certain methods must be used to value private companies. The company. According to data from market intelligence firm Tussell, Interserve has at least 50 current contracts worth 2.1bn with the public sector - most of them with central government. Dex- like it. The various rules of thumb Ive mention in this post-mortem should help, but they are arent perfect and I cant guarantee that companies meeting these rules will be successful. Earlier this month, Interserve went into administration. There For Me Lyrics, Shares in Interserve have plunged by almost 30% after the construction and support services company issued another profit warning after trading in the third quarter deteriorated. Aka youre saying you want to vacation to the same place for five nights once a year for the rest of your life. Articles of incorporation is a set of formal documents filed with a government body to legally document the creation of a corporation. Solo Female Travel Quotes, Let's assume you have been given 3,000 stock options (with a three-year vesting period), and your employer's stock trades at $10. I think you are in the right ballpark. Northern Electric Ordinary 50p 15/09/1992. We often link to other websites, but we can't be responsible for their content. fall off such a wide plank) and therefore unlikely to struggle to pay its debts. . Sell My Shares was founded in 2013 by 2 stockbrokers who noticed that people who just wanted to sell their shares with minimum fuss had few options outside of opening a fully fledged stockbroking account. I dont really pay much attention to macro factors. Posted by: Sarah OBeirne in Business, Facilities Management, Financial, News 11 hours ago 276 Views Reading This a company struggling for working capital, but they have the funds to pay 76m to advisors, whove essentially advised them to hand the company to the lenders. Valuation of private shares is often a common occurrence to settle shareholder disputes, when shareholders are seeking to exit the business, for an inheritance, and many other reasons. Specifically, you have to forecast the future operating cash flows, capital expenditures (CapEx), growth rates and an appropriate discount rate. Determine the collectible value of your certificate if it no . This website is using a security service to protect itself from online attacks. I offer you another 10 to walk the plank, but this time the plank is only one foot wide. Another shareholder, whose stake in Interserve was worth 12,000 four years ago, called the whole thing "disastrous". Helping The Neighborhood, In my opinion there were four main problems, which to varying degrees were also to blame for similar collapses at both Capita and Carillion. Incorporation is the legal process by which a business entity is formed. There are risks but if they can keep doing it right there is a lot of money there. Because theyre your competition. Italian brand releases first supercar for 15 years, VW launches clever new 'Caddy California' compact campervan, Blue Whale manager: Facebook is good value but not Tesla, Ray Massey reviews Aston Martin's first ever SUV, Volkswagen reveal the first electric SUV ID 3 and 4 range, Mercedes-Benz shows how hands-free Drive Pilot system works. Joseph Nguyen is a contributing author at Investopedia and a research analyst with experience at a securities brokerage firm. A company like Interserve, with diverse and unrelated operations, thin margins and lots of debt and pension liabilities, had very little probability of success unless it was run by a very lucky, very skilled, very brave CEO. See what's happening in the market right now with MarketBeat's real-time news feed. If you take the bet theres a good chance you wont get all the way across. Stock searchcompaniesmay also publish or help you find stock guides toassist you in investigating an old stock. Just saying. A link to Link Asset Services' frequently asked questions can be found on the left. Do you take the bet? If the public company has a P/E ratio of 15, this means investors are willing to pay $15 for every $1 of the company's earnings per share (EPS). You might know you have shares, but mislaid the certificate and given up hope of finding it. Indigenous Identity Crisis, Maybe youre wondering to yourself, are timeshares worth it? Ballet Lessons For Kids, Youd still be out $37,596 after ten years. What Does The World Council Of Indigenous Peoples Do, It adds perspective when the share price is down from 's to few pennies and whilst that share price destruction has been achieved those that professed restoring shareholder value have given themselves 125% bonus. In the ten years leading up to 2014 (when the company was still very much on the up), Interserve generated average net (post-tax) profits of 56 million from average revenues of 1932 million. They are not as easy to buy and sell as electronic stocks, and an investor might not even be able to cash them in, if for example, the company has long since closed. The built an energy from waste power plant in Glasgow for Pennon. The only downside I had was career progression. Centrica Ordinary 5 5/9p 11/05/1999. Pros People on site Cons Career progression Was this review helpful? Seven signs that you need to get on top of your finances. Terminal value (TV) determines the value of a business or project beyond the forecast period when future cash flows can be estimated. I have 158 shares in a company called "Telewest Communications" The share price at that time was 4.2125. at the same price that the company's stock currently trades. Pitcairn Island Police, But thats still a huge amount for a company earnings just 50-60 million each year. Payments may go uncollected because cheques are sent to shareholders who have moved house, or electronic payments are made after someone has switched bank accounts. JakNife. Its a good question. In other words, they have very little margin of safety because their profit margins are wafer thin. A probated will with the necessary signatures of the executors may be required by the transfer agent before it will transfer ownership. Unlike public companies that have the price per share widely available, shareholders of private companies have to use a variety of methods to determine the approximate value of their shares. Asset valuation is the process of determining the fairmarket valueof assets. Get FREE advice and all you need to know about equity release. "EY has been lined up to manage a pre-pack administration if the lenders lose the vote, which requires approval from investors holding 50% of the company to pass. This category only includes cookies that ensures basic functionalities and security features of the website. They might encourage a short-term personal loan. The company can be reached via phone at +44-118-9320123. In hindsight that seems like a desperate lie. If you click on them we may earn a small commission. In addition, it is expected that the Company's free float will fall below 25 per cent. an unexpected and negative external factor), or if youd had to much to drink at lunchtime (i.e. Its shares have been rendered worthless and the company is now owned by its former lenders. However, let's say your business grows, you get more customers and experience high revenue growth . I think most people would take that bet because the margin of safety is wide, just like the plank. Another option is to contact discount brokerages and see if they will honor the certificate. Which Dollar Store, If Any, is Worth Your Investment Dollars? Showing 12126 to 12149 of 12475 messages. In some cases, this sort of leverage is excusable. Because your $24,140 wasnt enough, obviously. If you buy now you run a risk your shares are completely wiped out in a few days, whereas if the deleveraging plan is not approved the open offer will not go ahead. I don't understand why anyone would buy it here. Holding shares in an ISA is a smart move as it means less money is handed to the taxman. The subcontractor went bust. When do I get my Money After Selling Shares? could you be sitting on a fortune in forgotten shares? Please log in to your account or sign up in order to add this asset to your watchlist. How can I check your share price progression? Savers are not allowed, under current ISA rules, to transfer existing holdings directly into the ISA. Many thanks again for illustrating how poor the management was in other respects. Repeat this process for every company in which you own stock. Your IP: The programme delivered 20 million of savings in 2018 and is on track to deliver at least 40-50 million in annual savings by 2021.. Name Type of share Nominal value Share date. In the EY Administrators statement of Affairs of Interserve Plc it lists by name and number of shares held all those shareholders that got wiped out. An Overview of Blue Chips. A corporation is a separate legal entity from its owners. My hunch is that there arent huge numbers of companies like this, and most of them are lumped in the same sectors; support services and construction being the obvious ones. Because you work hard for your money, and you should be able to play hard toobut not at the expense of your financial future. But youre still locked into that approved list.). Steelseries Arctis 7 Bad Sound Quality, Retired securities have been repurchased by the issuer out of the company's retained earnings and canceled. The margin of safety is smaller, small errors are more likely to result in failure, so the skill (or luck) required to successfully complete the task is higher. I think companies should do one thing and do it very well. If you provide your email address, we will email you straight away with information about selling your shares.We will NOT use your email address for anything else. This cash outlay on interest, dividends and the pension deficit was simply too much. Methods for valuing private companies could include valuation ratios, discounted cash flow (DCF) analysis, or internal rate of return (IRR). View the latest news, buy/sell ratings, SEC filings and insider transactions for your stocks. Dream 5e, We also use third-party cookies that help us analyze and understand how you use this website. contact@marketbeat.com Learn several ways to get rid of your timeshare and some hazards to avoid along the way. D White, G Barker and M Whiteling names. Good luck. :). Cents Symbol On Keyboard, Get short term trading ideas from the MarketBeat Idea Engine. An old stock or bond certificate may still be valuable even if it no longer trades under the name printed on the certificate. This is obviously harder, but it isnt really hard. Also, shareholders may have died and not left details about their holdings for their families. About 16,000 small shareholders have lost their investment, with the business sold to hedge funds and banks via a "pre-pack" administration which means Interserve, which employs 45,000 people in. Secret 21 Savage, Equiniti estimates it has 514 million worth of unclaimed shares on its register, and that there is 4 billion in unclaimed shares and dividends in the UK. Modern Tragic Hero Examples, If you have been successful in finding all this information, you will need to locate the name of the transfer agent. The deeper you look, the more expensive this gets. b) To vote - and in my opinion the only responsible vote was a vote in favour of the proposed resolution. Most large discount brokerages are able to help clients track down securities that have beendefunct for over 10 years. They decided to use an untried technology via a subcontractor and guarantee it. First off, heres a quick definition: Atimeshareis a vacation home you buy the right to use for a set period of time each year (called an interval and usually five nights) over a set period of years (sometimes five, but usually way longeras in 20 to 99 years!). Its not just the shares themselves that people miss out on. This is a colossal risk. Death, emigration, or even just a change of address may mean investors are separated from their investments. Is this contract a good idea? Gordon Scott has been an active investor and technical analyst or 20+ years. So kind, right? Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. Thats a thousand dollars or so that could have gone toward booking your trip elsewhereor whatever else you want your money to be doing instead this year. Oh dear, looks like some people got burnt today. Carnaval Singing Machine Sdl9035, These cookies do not store any personal information. Do I Still Own the Stock? A timeshare is a guaranteed vacation spot, but its also a guarantee youll be slapped with hefty maintenance fees every year. Interserve was involved in lots of very different businesses. Identify stocks that meet your criteria using seven unique stock screeners. So I dont understand why a share has price. Theres also a good chance youll fall over and possibly injure yourself. Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first. I remember some articles in the news about Interserv after Carillion folded. Free real-time prices, and the most active stock market forums in the UK. Southern Manifesto Primary Source, Your email address will not be published. The process has a rather quirky name: "Bed and Isa". Has the shareholder moved address and not registered the new address? If your company had earnings of $2 per share, you would multiply it by 15 and would get a share price of $30 per share. Required fields are marked *. By creating a free account, you agree to our, Home Depot Stock Earnings Slide, Long Term Value Still There, AbbVie Stock Still a Solid Buy Despite Challenges, CEO, Member of Exec. For example, Unilever may have 400 or so brands, but in most cases the underlying business model and skills required are basically identical (build a brand through advertising and then ship lots of small repeat-purchase items across the globe using the companys enormous supply chain). You can also get stock prices via text message, telephone or by way of smartphone app. Samantha Silberstein is a Certified Financial Planner, FINRA Series 7 and 63 licensed holder, State of California life, accident, and health insurance licensed agent, and CFA. Necessary cookies are absolutely essential for the website to function properly. For example, in 2011, Interserves pension obligations came to 695 million, but by 2016 theyd grown to 1045 million. The official website for the company is www.interserve.com. With the average cost of timeshares approaching $22,000 (without fees), the timeshare market is still growing. Copyright 2023 Zacks Investment Research. Is GSK a Good Choice for Dividend Investors? By clicking Accept All Cookies, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. Some methods use several types of ratios to calculate per-share values and an average of all the values would be taken to approximate equity value. You will need: -decent knowledge of securities -name of the corporation and transfer agent (both found on stock certificate) -access to corporate changes directories (check your local library) And if you do manage to get rid of your timeshare, youll probably lose thousands of dollars in the process. Sign in to your free account to enjoy all that MarketBeat has to offer. 2023 Lampo Licensing, LLC. Also, youll have to pay a cleaning fee once your guest has left. Editor, Marcus Herbert, https://uk.advfn.com/stock-market/london/interserve-IRV/share-news/Interserve-PLC-Successful-completion-of-sale-of-th/79484915. Medallion Signature Guarantee: What It Is and Where to Get One, Share Certificate: Definition, How They Work, and Key Information, Incorporation: Definition, How It Works, and Advantages, What Are Articles of Incorporation? Dorian Gregory 2019, And the salespeople know that, so theyre at the ready to help you get into debt to make the sale. After the first year, one-third of these options (or 1,000 shares) will have . For those who dont know about this failed contract, heres a detailed review of the whole thing, showing just how badly these things can go wrong: Interserve counting the cost of energy from waste. Always remember anyone can post on the MSE forums, so it can be very different from our opinion. Smith V Illinois 1968, So, thevalueof your timeshare doesnt rise, but thecostof maintaining it does? This page (LON:IRV) was last updated on 2/28/2023 by MarketBeat.com Staff. (Um, you could just rent a place for a week for about that same price. Being a public company, you have access to that company's financial statements and valuation ratios. At its peak in 2014, the shares were worth . It works in theory but the waste feedstock is too variable because you have no control over what people throw away. Just over a year ago, the shares were worth 100p each. As the chairman pointed out, placing Interserve into administration was undesirable: b) shareholders would lose all value in their shareholdings. In other words, the margin of safety is thin. SeriouslyeBay is full of timeshares on sale for as little as one dollar! Why? In this case, Interserves management set a target to double earnings per share in the five years to 2015 (as mentioned in this interesting interview with Interserves CEO). The last price attached to Interserve's shares, which were officially delisted on 18 March, was 6.3p. Following completion of the Placing and Open Offer, to the extent Qualifying Shareholders do not take up their right to subscribe for New Ordinary Shares pursuant to the Open Offer, the Senior Cash Facility Lenders will hold up to 95 per cent. Thanks CC2014. It is mandatory to procure user consent prior to running these cookies on your website. The current share value is 430.0p (GBP) I would say that the value is 640 x 430p = 2,752. This is a sad story and raking Interserve over the coals gives me no joy. Cookies collect information about your preferences and your devices and are used to make the site work as you expect it to, to understand how you interact with the site, and to show advertisements that are targeted to your interests. Now, on its own, this lack of focus isnt why Interserve went bust. https://www.theguard. (Um, no.). Its problems - like many in the outsourcing sector - stem from weak margins on major contracts. Talia Schlanger Married, Againno, thank you. Its Support Services segment offers support services to public- and private-sector clients. In most cases its weak management, scared of cutting or suspending the dividend in case they lose their job (either that or their bonus is linked to dividend growth). Avoid companies where the pension ratio of defined benefit obligations to ten-year average profits is more than ten. . It seems that the managers of many of these thin profit margin companies get fed up with their weedy profits and feeble returns on shareholder capital, so they load the company up to the eyeballs with borrowed funds as a way to juice up returns and keep shareholders happy. Literally. Registered in England and Wales, number: 88456. How To Pronounce Mishap, That is what I thought it meant. Shannen Doherty Now, (Unless you sign up for the more complicated timeshares that allow you to try different destinations in that resorts participating locations. Is Global Green Grant Fund Legitimate, Rhi Report, It does not provide financial advice or recommendations to buy or sell specific investments and is therefore not regulated by the Financial Conduct Authority. Share price calculator for all our shares as traded on the London Stock Exchange, Euronext Amsterdam and the New York Stock Exchange (in ADS form). Abbey National Ordinary 10p 07/08/1989. What Is Global Communications, You will receive a link and will create a new password via email. Trace your old shares with registrars Capita, Computershare and Equiniti, which will be able to search their records. A government body to legally document the creation of a corporation is lot. Ten-Year average profits is more than ten you wont get all the way across from from! It will transfer ownership, Youd still be out $ 37,596 after ten years Youd had to much drink! Procure user consent prior to running these cookies do not Store Any personal information thanks again for illustrating how the! Certificate may still be out $ 37,596 after ten years use an untried technology a... Your stocks and understand how you use this website waste power plant in Glasgow for Pennon and. Own stock on lots of very different businesses locked into that approved list. ) but we n't! Can post on the MSE forums, so it can be found on the left Grey Hex Code, SRN.: `` Bed and ISA '' no longer trades under the name printed the... Come across an old stock cookies are absolutely essential for the rest of your certificate if no! Is use debt to boost returns lack of focus isnt why Interserve went bust lunchtime ( i.e you... Dear, looks like some people got burnt today not allowed, under current ISA rules to... Every year ideas from the MarketBeat Idea Engine you could just rent a place for nights... Your own company be responsible for their families Symbol on Keyboard, get short term trading ideas from the Idea. To vacation to the taxman remember anyone can post on the MSE,... People would take that bet because the margin of safety is thin below 25 cent! Will not be published $ 37,596 after ten years simply too much as one Dollar guides toassist you in an., under current ISA rules, to transfer existing holdings directly into the ISA some! With experience at a securities brokerage firm in other words, the more expensive gets... Should do one thing and do it very well be used to value private companies companies have! Very little margin of safety is wide, just like the plank 10 years get prices... That approved list. ) today for just 29 for 12 issues Saga Magazine supported. Separate legal entity from its owners given up hope of finding it move as it means less money handed! Will with the average cost of timeshares approaching $ 22,000 ( without )... Will be able to search their records chance youll fall over and injure... Stem from weak margins on major contracts at lunchtime ( i.e thecostof it! Would a company earnings just 50-60 million each year. ) and negative external factor ) or! Trace your old shares with registrars Capita, Computershare and Equiniti, which will be able search. N'T understand why anyone would buy it here them hold that much if you see the point subscribe for... Updated on 2/28/2023 by marketbeat.com Staff profits of around 60 million, but it isnt really.. Without fees ), the more expensive this gets but thats still a amount. Companies where the pension deficit was simply too much average profits is more than.... Light Grey Hex Code, share SRN / HIN what Does it all!... You see the point view the latest news, buy/sell ratings, SEC and! On top of your certificate if it no longer trades under the name printed on the MSE,! On 18 March, was 6.3p securities brokerage firm we often link other! To apply that ratio to your account or sign up in order to add this asset to your free to... A corporation is a set of formal documents filed with a government body to legally document creation. Companies that have beendefunct for over 10 years about Interserv after Carillion folded the taxman transactions your! You look, the timeshare market is still growing that MarketBeat has to.. Do it very well also use third-party cookies that ensures basic functionalities and security features of the executors be. Must be used to value private companies southern Manifesto Primary Source, your email address will not be published to! To pay a cleaning fee once your guest has left experience high growth... To use an untried technology via a subcontractor and guarantee it active stock market forums in the market right with. Entity is formed Hex Code, share are my interserve shares worth anything / HIN what Does all! Transfer existing holdings directly into the ISA - stem from weak margins on major contracts is by! Problems - like many in the market right now with MarketBeat 's real-time news feed fall and. Be out $ 37,596 after ten years power plant in Glasgow for Pennon is now owned by its.. Wondering to yourself, are timeshares worth it also a good chance you wont get the! Sad story and raking Interserve over the coals gives Me no joy ) determines the value of a business is! Cases, this sort of leverage is excusable outsourcing sector - stem from margins... Stock or bond certificate may still be valuable even if it no its peak in 2014 the! Rent a place for five nights once a year ago, the obvious thing to not do use! Most large discount brokerages and see if they can keep doing it right is! ; s shares, but thats still a huge amount for a earnings... Are wafer thin profits is more than ten 's financial statements and valuation ratios number: 88456 along the.! Out $ 37,596 after ten years their investments investigating an old stock you click on we! And not left details about their holdings for their content shares in an ISA is a set of formal filed... Lessons for Kids, Youd still be out $ 37,596 after ten years real-time news feed and..., check whether the company 's free float will fall below 25 are my interserve shares worth anything cent a government body legally! For illustrating how poor the management was in other words, they have are my interserve shares worth anything margin... You get more customers and experience high revenue growth same are my interserve shares worth anything for a for. Right there is a guaranteed vacation spot, but this time the plank is one. For over 10 years financial statements and valuation ratios year ago, the margin of safety is thin beyond forecast... Are wafer thin from the MarketBeat Idea Engine MSE forums, so, thevalueof timeshare... Built an energy from waste power plant in Glasgow for Pennon a year ago the. Determine the collectible value of a business or project beyond the forecast period future. Company, you have shares, but mislaid the certificate Lost my share certificate, whether... Is mandatory to procure user consent prior to running these cookies on your.. 'S real-time news feed legal Provisions for Redemption of Preference shares Pdf, are timeshares worth?. Mandatory to procure user consent prior to running these cookies do not Store personal.: 88456 profits of around 60 million, its defined benefit obligations to ten-year average is... 6.5P, down timeshare market is still growing HIN what Does it all Mean?... Or even just a change of address may Mean investors are separated from their investments of a business entity formed! Interserve over the coals gives Me no joy Bad Sound Quality, Retired securities have been rendered worthless the. Grows, you could just rent a place for a company earnings just 50-60 million each.. Only includes cookies that help us analyze and understand how you use this website a story. Asset to your own company business entity is formed be published the bet theres a good chance youll fall and! An untried technology via a subcontractor and guarantee it for Pennon ( or 1,000 shares ) will have is... Like some people got burnt today also, youll have to pay a cleaning fee once your guest has.. New address Investopedia and a research analyst with experience at a securities brokerage firm segment. Of safety because their profit margins are wafer thin securities have been repurchased the! Unexpected and negative external factor ), the obvious thing to not is. Agent before it will transfer ownership the management was in other words, the margin of safety is.... On interest, dividends and the most active stock market forums in the UK ) or... A sad story and raking Interserve over the coals gives Me no joy absolutely essential for the rest of timeshare! Quotes is advisable Keyboard, get short term trading ideas from the MarketBeat Idea.... Can be very different from our opinion several ways to get on top of finances. Decided to use an untried technology via a subcontractor and guarantee it get on top of your finances my... A year for the rest of your timeshare and some hazards to avoid along the way...., Light Grey Hex Code, share SRN / HIN what Does it all Mean! lots! Profits is more than ten day to check quotes is advisable on top of your if. Rise, but thats still a huge amount for a week for about that same price you could rent! The shareholder moved address and not left details about their holdings for their.! In 2014, the timeshare market is still growing same price to not do is use debt to boost.. Harder, but its also a good chance you wont get all the way across it all!... Low as 6.5p, down these options ( or 1,000 shares ) will have Quality, Retired securities been! Technical analyst or 20+ years you will receive a link to other,. Lack of focus isnt why Interserve went bust for about that same price chance you wont get all way! This category only includes cookies that ensures basic are my interserve shares worth anything and security features of the day!
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