Eighth Annual Springfield Rotary Gourmet Food Truck Competition – Wallace & Turner Serves as Food Truck Sponsor

Up to 30 food trucks full of unique palate-pleasing cuisine will once again roll into Veteran’s Park, along with live entertainment, a beer garden and more on August  20, 2022, in Springfield for the Springfield Rotary Club’s Eighth Gourmet Food Truck Competition. Wallace & Turner is proud to serve as a Food Truck Sponsor.

Delicious food will include gourmet hot dogs and sandwiches, Pierogies, Empanadas, Cuban, BBQ, Mexican/TexMex, Italian, Carolina Coastal, American, Seafood, Jewish, Farm Raised, Asian, Latin, Mediterranean, and sweets.

Live entertainment will be available from 11 a.m. to 7 p.m. and the Beer Garden will be serving domestics and local craft brews from Springfield’s own Mother Stewart’s Brewing Company, and for those who don’t fancy alcohol, soda and water is available. In addition to Mother Stewart’s selection of craft beer, alcohol options this year include Michelob Ultra, Bud Light, Budweiser and White Claw.

Attracting over 10,000 guests each year, the competition continues to grow and thrive as Springfield’s must-taste event of the summer. While the competition is a great community event, it’s also a major fundraiser that supports the Rotary Club’s charitable programs. Over the first five years of the competition alone, over $100,000 was raised for Springfield Rotary’s causes from the support of the community. This includes services to people with disabilities, which has increased the number of individuals served by more than 70 percent since the inaugural competition in 2014.

Learn more here.

Dayton Business Journal Once Again Ranks Wallace & Turner Among Top Property & Casualty Insurance Agencies

Wallace & Turner is proud to be recognized among the top property & casualty insurance agencies by Dayton Business Journal for 2022. The list ranked 21 total agencies in the Dayton area based on number of local agents. View the full list here (subscription required).

What You Need to Know About Insuring an Electric Car – P.J. Miller Interviewed by CarInsurance.com

P.J. Miller

If you’re considering purchasing an electric vehicle (EV) to save at the gas pump or to reduce your carbon footprint, know that getting car insurance for an EV is similar to shopping for insurance like any other vehicle. In an interview with CarInsurance.com, Partner P.J. Miller said he hasn't noticed a major rate disparity between premiums for EVs/hybrids versus gas-powered autos.

“Car insurance rates are predicated on so many factors – credit scores, location of the garage and the vehicle, driving record and price of the car. The engine and powertrain haven't factored in as a major portion of the typical rate-making process.” 

Read the full article here.

Questions about auto insurance coverage in Ohio? Contact Wallace & Turner at 937-324-8492 or info@wtins.com.

Summer Arts Festival Cash Raffle Sponsored by Wallace & Turner

Register to win one of two cash prizes – $500 or $1000 – when you purchase a ticket at the Summer Arts Festival for our Wallace & Turner Cash Raffle!

Tickets are available nightly at the Summer Arts Festival – one ticket for $1.00, and six tickets for $5.00 – and each ticket purchased gives you one chance to win either $500 or $1000 at the grand prize drawing on Saturday, July 23, 2022, on the final evening of the Festival.

The Wallace and Turner Raffle is a fundraising event for the Springfield Arts Council.

Learn more here.

Wallace & Turner Sponsors Second Saturdays in Downtown Urbana

Wallace & Turner is once again supporting Second Saturdays in Downtown Urbana at Monument Square District, featuring food trucks, sidewalk vendors and live music.

Urbana Downtown Merchants Association hosts Second Saturdays with the goal of creating a positive retail experience for the community. Charming historic downtown Urbana boasts a fantastic array of shopping, dining, and site seeing!

Follow their Facebook page for updates on each month’s events.

Finding Affordable Car Insurance in Ohio – P.J. Miller Interviewed by MoneyGeek

P.J. Miller

In an interview with Moneygeek.com, Partner P.J. Miller discussed the key factors Ohio drivers should look for when searching for the best auto insurance coverage.

P.J. cautioned that while drivers may be tempted to go with the cheapest coverage option, they should make sure they’re working with a reputable carrier and the coverage is providing them with enough protection in the instance of an accident or other loss. “You may be saving now, but if you cause an accident that results in costs exceeding your coverage limit, you'll be coming out of pocket to pay -- and your assets such as your home or other investments could be at risk,” he said.

P.J. also advised drivers to consider talking with an independent insurance agent because they can identify discounts and credits that may be available.

Read the full article here.

Questions about car insurance coverage in Ohio? Contact Wallace & Turner at 937-324-8492 or info@wtins.com.

Kicked Off Real Estate II's Food Truck Thursday 2022 with Keep Clark County Beautiful

Wallace & Turner kicked off Food Truck Thursday 2022 with Real Estate II on April 7th! EAT Food Truck provided tasty meals and we collected donations for Keep Clark County Beautiful. Keep Clark County Beautiful’s national affiliation helps to highlight the value of community beautification and putting waste in its proper place and offers proven models and tools that enhance our ability to make a difference here in Clark County. Coordinated by the Clark County Solid Waste District, KCCB is of more than one thousand communities participating in the Keep America Beautiful network.

We had a great time serving our community helping to make Clark County a better place for it's residents! View more here.

Wallace & Turner Sponsors Champaign County Scholars 5K Walk/Run Fundraiser

The Clark State Foundation has partnered with the Urbana and Graham school districts to support students who will become the first in their families to earn a college degree. The Scholars program provides support throughout high school to prepare these students for college success. Upon graduation from high school, the students will be eligible for three years of college at Clark State at no cost to the students.

We hope you will help support the Champaign County Scholars program by participating in the April 30th 5K Walk/Run. Wallace & Turner is a proud sponsor of the event. Participants will receive an event t-shirt and trophies will be awarded for first place male, female and fundraiser. All proceeds from this event will support Champaign County scholarships.

Learn more here.

Inflation Could Make Your Homeowner's Insurance Inadequate – P.J. Miller Discusses the Important of a Replacement Cost Guarantee with Consumer Affairs

P.J. Miller

If you haven’t checked your homeowner’s insurance policy in a while, it may be wise to do so. Inflation is rapidly increasing building costs and if your house is damaged or destroyed, having inadequate coverage might result in a significant loss. In an interview with Consumer Affairs, Partner P.J. Miller explained how having a “replacement cost guarantee” provision can cover the cost to repair or replace your home, even if the amount exceeds your coverage.

P.J. said the forerunner of the current day “guaranteed replacement cost” was the “inflation guard endorsement and while it’s not known if all carriers provided this option, most did for various reasons. “An example would be the simple fact that you don’t have to remember to contact your carrier to increase coverage and the peace of mind knowing that it’s done automatically.”

He also noted that it’s important to understand how your policy’s inflation adjustment works. Some policies might increase the coverage only for the policy term and then reset it to the prior term’s coverage amount. 

Read the full article here.

Questions about your homeowner’s insurance coverage? Contact Wallace & Turner at 937-324-8492 or info@wtins.com

Who Needs Professional Liability Insurance?

You are good at your job. You are an expert in your field. But you can still make mistakes. And when you do, you may face legal and financial liability. In some cases, that liability could put your career and financial stability at risk.

That’s where professional liability insurance comes in. There are dozens of types of professional liability insurance, as well as individualized rules for each career and industry. All the separate recommendations and rules can make this a confusing area of commercial insurance.

So who needs professional liability insurance? Read on to learn more about this coverage. If you have additional questions, contact the Wallace & Turner team here.

Professional Liability Insurance Defined

Having a thorough understanding of professional liability insurance will help you determine whether you need it, and how much coverage is appropriate. 

Here’s the short and sweet definition: Professional liability insurance is an insurance policy that protects you if a client or customer decides to sue you for a financial loss. These insurance policies protect you by covering the financial liability you may face if a client sues you because of alleged negligence that caused them harm. These kinds of lawsuits may look different across a wide range of industries, but the basics are usually the same.

Professional liability insurance is often referred to as errors and omissions (E&O) insurance. Depending on your job title and industry, these policies may protect you in the event of the following issues that could lead to financial harm for your clients:

• Breaches of contract

• Errors in the work you deliver

• Undelivered products or services

• Missing deadlines

• Projects going over budget

• General negligence resulting in demonstrable financial harm

Who Should Have Professional Liability Insurance?

Mistakes and negligence are possible in almost every industry and job title, but not every industry requires professionals to obtain professional liability insurance. While some states can be quite strict about requiring doctors, lawyers and similar professionals to have E&O insurance, Ohio is much less strict. 

For example, not all doctors are required to carry medical malpractice insurance in Ohio. However, most hospital systems and individual institutions require physicians to obtain this coverage.

The Ohio State Bar Association says attorneys in Ohio are not required to have legal malpractice insurance, but if they don’t, they must notify their clients and have them sign a form acknowledging that they do not have the coverage.

However, Ohio state law does provide for several specific instances in which professionals must maintain E&O insurance, and it can be tough to keep up with which industries require professional liability coverage by law. For instance, Eastern medical practitioners and acupuncturists must have at least $500,000 in professional liability insurance in Ohio. 

Because the specifics of who is required by law to have professional liability coverage in Ohio can be a little confusing, it’s always a good idea to reach out to a local, independent insurance agent to discuss the basics of the coverage you need.

Who Else Needs E&O Coverage?

It’s important to remember that you may still need professional liability coverage even if you aren’t specifically required by law to carry it. Really, any professional or business owner who stands to be sued for a significant amount of money by a client or customer should consider this coverage.

Here are some examples of professionals who often need to purchase professional liability insurance:

• Real estate agents

• Accountants

• Architects

• Engineers

• Insurance professionals

• Financial advisors

• Information technology professionals

• Cyber security professionals

• Management, security and other types of consultants

This is by no means an exhaustive list of industries that might benefit from professional liability coverage. If you are concerned about being sued by a client or customer due to a financial loss, you may be a good candidate for E&O coverage.

Professional Liability Insurance vs. General Liability Coverage

Many business owners already purchase general liability insurance. And when they start hearing about professional liability insurance, they think they are already covered. That assumption is often a mistake.

That’s because general liability and professional liability are two distinct types of liability. General liability insurance covers you in the event of an injury to someone else’s physical body, property or reputation due to your negligent actions. Professional liability insurance covers you in the event of a client’s financial loss due to your actions in a professional capacity.

Let’s illustrate that with a real-world example. If you are an accountant, your general liability insurance would cover you if someone came to your office and was hurt after slipping on a wet floor. Your professional liability insurance would cover you in the event that you made a mistake with a client’s account that resulted in the loss of money for the client.

In both cases, how much you are covered for will depend on the specifics of your chosen insurance policy, but both types of coverage are essential to ensuring the future of your business. No matter how confident you are in your professional abilities, mistakes can and will happen. When they do, you need to be covered.

Wallace & Turner: There for You and Your Business, Always

The truth is that, in most fields, it’s not a question of if you will make a mistake in your career — it’s when. We’re all human, and humans make mistakes. Professional liability insurance can make sure that a simple mistake doesn’t turn your life upside-down. 

Whether you need professional liability insurance will depend on your exact career, Ohio law and your level of risk tolerance. In other words, the answer to the question of who needs professional liability insurance is not always clear.

What is always clear is the advice you will get from the team of independent insurance agents at Wallace & Turner. We have been serving the Urbana and Springfield, Ohio, communities for decades. If you have questions about professional liability insurance or any other business insurance policy, reach out to us via email at info@wtins.com or phone at 937-324-8492.

Wallace & Turner Sponsors Ridgewood School's 2022 Hearts & Hands Fundraiser

Wallace & Turner had a wonderful time at the Ridgewood School 2022 Hearts & Hands dinner and live auction on March 19th. We were proud to be a sponsor of the event which supports fundraising to make it possible for area children who have great financial need to attend Ridgewood's PreK-8th grade, college preparatory school. Lisa Miller even came home with a Mayim Bialik signed photo!

We Are Hiring! Group Benefits Account Manager

APPLY NOW! Submit resumes to ccorrigan@wtins.com

Group Benefits Account Manager

PRIMARY ROLE:              

Providing superior service and support to all Group Health accounts, including but not limited to:

• Maintaining a high level of client service and satisfaction

• Achieving agency account growth and retention goals by providing extraordinary service and proactive communication with all Group Accounts 

DUTIES: 

• Support Broker sales efforts by handling all Group accounts from quoting to implementation

• Maintain client files and ensure proper documentation, by processing all enrollments, plan changes and documentation of all activities in Agency’s management system per Agency procedures

• Respond to client inquiries and correspondence in accordance with agency and benefit guidelines

• Maintain current knowledge of underwriting and system requirements of carriers. Keep current with industry trends by attending Agency approved continuing education classes and attending Agency run meetings and education sessions

• Be an advocate for all Agency departments and product offerings

• Maintain all required state licensing and company appointments as required

• Participate in any special projects and duties at management’s request

BENEFITS:

• Paid Time Off program

• 401k Program with Employer Contribution

• Medical, Dental, Short-Term Disability, Long-Term Disability and Life Insurance programs

• Other voluntary type benefits available via payroll deduction

QUALIFICATIONS & EDUCATION: 

• Currently have or able to earn Health and Life Insurance License through the State of Ohio and any/all other appropriate state license(s) required

• Extensive knowledge of group health insurance benefits and different Carrier service platforms and technology requirements

• Thorough knowledge of Carrier Administration and Quoting systems

• Understand human resources laws as it applies to group health insurance benefits

• Experience and expertise in operating in an electronic environment using computer programs and Agency client relationship management system

• Proficient in all Microsoft programs including Excel and Word

• Possess excellent time management, organizational and communication skills

• Ability to multi-task and prioritize work on a constant basis

• High degree of self-motivation and self-direction

• Available to work overtime if necessary or needed as dictated by workload and Agency need

Wallace & Turner Hosts Lunch & Learn at Real Estate II

Thank you to Real Estate II for having us on March 10, 2022, for a Lunch & Learn! We tested their insurance knowledge, gave out swag, had a delicious lunch from Mike & Rosy's Deli and there was even a special appearance by Progressive's Flo!

Interested in a Lunch & Learn at your company? Contact us to find out more: 937-324-8492

Adding Your Teen to Your Auto Insurance Policy in Ohio

For many parents of teenagers, that sweet 16 party doesn’t feel so sweet. That’s because 16 is the birthday when teens can start driving in Ohio. And that means you have to figure out your teen’s auto insurance situation.

Is it going to cost an arm and a leg? Will teen auto insurance cover enough to keep my kid protected? There are plenty of questions around this time and the experienced team of independent insurance agents at Wallace & Turner have written this guide to provide answers about adding your teen to your auto insurance policy in Ohio.

Read on to learn everything you need to know. And if you’re ready to get your teen insured, reach out to our team.

When Should I Add My Teen to My Auto Insurance Policy?

In Ohio, teens can apply for a driver’s permit when they are 15 years and 6 months old. Is that the age when you need to add them to your auto insurance? Not exactly. That’s because you or another license-holding legal guardian will have to be in the passenger seat at all times until your teen is able to trade that permit in for a full-blown driver’s license, so your car will be insured through your presence in the vehicle. 

When it comes to the timing of adding your teen to your auto policy, the exact age of your teen matters less than their legal driving status. Once your teen gets their full driver’s license and is ready to start driving the family SUV or even a car you’re buying for them, it’s time to start thinking about getting your teen insured.

How Much Does It Cost to Add a Teen Driver to Insurance?

Putting your teenager on your car insurance policy can double your rates. According to CarInsurance.com rate data, your rates will increase by 102% on average when you add your teen.

Wallace & Turner Producer Ben Galbreath recently spoke with CarInsurance.com to explain what parents need to know about adding a teen driver to their auto insurance. 

“Teenage drivers are inexperienced drivers who are less aware of their surroundings and have a tendency to drive too fast and less responsibly, which makes it more likely that they will have a claim,” Ben said. 

In Ohio, the average premium cost for full-coverage auto insurance without teens is $960 per year. But adding teens drives that average up to $1,881 per year, according to data from CarInsurance.com.

Do I Have to Add My Teen to My Auto Insurance in Ohio?

To comply with Ohio’s Financial Responsibility Law, your teen has to be insured if they are going to drive on their own. However, that doesn’t necessarily mean that they have to be insured under your policy. 

Teens can purchase their own separate policies, but most Ohio families end up insuring teens under the parents’ auto policy because the premium is typically much more affordable that way. Even if you want your teen to pay for their own insurance, it might be wise to consider having them pay for their portion of the family premium rather than paying for their own policy outright.

Insurance Considerations for Parents of Teen Drivers

Adding your teen to your auto insurance policy doesn’t have to be a source of stress in your life. If you plan ahead, consider the suggestions below and speak with your insurance agent at Wallace & Turner so you can come out of this with a fully insured teen and a lot less stress than most parents have to go through.

Consider High Liability Limits for Teen Drivers

Due to inexperience, immaturity, distractions or some combination of these factors, most teens are more likely than the average adult to get into a car accident. Even if you have full faith in your teen’s maturity and decision-making skills, all it takes is a momentary lapse in judgment, and your family could face massive financial liability.

That’s why it’s a good idea to take a second look at the liability limits of your auto insurance policy before you add your teen. This might be a great time to consider getting higher liability coverage or even an umbrella policy.

Reduce Teen Insurance Premium Hikes by Adjusting Deductibles

There’s no question: Car insurance premiums go up when you add a teen to a policy. It’s a difficult fact for many families to face, but you can adjust parts of your policy to mitigate the impact of the increased monthly costs.

More specifically, you may be able to get a higher deductible that will lead to reduced monthly premiums. Keep in mind, of course, that this means you will be on the hook to pay more in the event of an accident. But for some families, the benefit of paying less each month outweighs the risk a higher deductible may pose. Your insurance agent can help you decide which approach is best for your family. 

Take Advantage of Teen Driver Discounts

Many insurers offer discounts to help families add teen drivers to their policies without breaking the bank. For example, some policies offer discounts for good grades. Others will discount your monthly premiums if your child takes a driver’s education or defensive driving course. Ask your insurance agent to help you find the best Ohio teen driver discounts.

Look Into Usage-Based Insurance for Your Teen

Usage-based insurance (UBI) is a relatively new auto insurance policy model that can save drivers money if they drive safely. The amount drivers can save varies widely, but the listed amounts tend to fall somewhere between 10% and 15%. 

How does UBI work? Your insurer measures data points that suggest how safe your driving habits are, such as collisions, speeds, mileage and similar factors, using your car’s own metrics systems or a device that rides along with you. Based on those measurements, the insurer offers a discount on your premiums.

In other words, if your teen is a safe driver, UBI may be a great way to reduce the cost of adding your teen to your auto policy. Your insurance agent at Wallace & Turner can help you find the right UBI policy for your family.

Seek Out Safe Cars

To reduce premium costs, insurance agent Ben Galbreath recommended purchasing an older model vehicle for your teen to drive. 

“A sedan is usually best to lower your costs versus a sports car or SUV,” Ben said in an interview with CarInsurance.com. “I recommend covering the teen for liability only until they are about 20 years old, which is the age when coverage rates tend to come down.”

When deciding which household car the teen should be attached to, Ben commented: “Most insurance companies today are moving away from insurance rating based on the car, but for those that still do, the teen should be assigned to the car with the lowest value.”

Promote the Best Teen Auto Insurance: Safe Driving

The best way to prevent injuries, financial setbacks and legal liability is avoiding accidents in the first place. And the best way to do that is to teach your teen to drive safely. Of course, insurance is still absolutely necessary and required under Ohio law, but it goes without saying, the more accidents you can avoid, the better.

Before Your Teen Hits the Road, Call Wallace & Turner

Adding your teen to your auto insurance policy in Ohio doesn’t have to be painful. There are plenty of ways to reduce the impact of increased premiums while still making sure your teen is covered and safe.

We hope this article has provided some helpful tips for adding your teen to your auto insurance, but we saved the best tip for last: If you have questions about purchasing a teen car insurance policy in Springfield or Urbana, Ohio, contact Wallace & Turner online, by phone at 937-324-8492 or via email at info@wtins.com.

Umbrella Insurance in Ohio: What It Is, Who Needs It & Why

Insurance is often figuratively compared to an umbrella. If liability and risk are the rain, your insurance policy is the umbrella because it keeps you dry. But within insurance coverage, there is also a policy specifically called Umbrella Insurance. So what does this coverage do that’s different from a standard policy? Umbrella insurance in Ohio is a way to make your umbrella of protection bigger. 

In other words, an umbrella insurance policy extends your coverage for liability. While many insurance policies already have liability coverage, they often don’t have enough. Umbrella insurance is a way to protect against that problem.

Is this type of extended coverage right for you? The team at Wallace & Turner is here to guide you through the decision by identifying which assets an umbrella policy would help cover and to determine how much coverage you should have. Our independent insurance agents are available to answer any questions you have Ohio umbrella insurance. Read on to learn more, or reach out to our team to talk about your policy options.

What is Umbrella Insurance?

Imagine you’re driving around Springfield, Ohio, when you get a distracting text message. You look down to see what it says, and in an instant, you slam into the rear of the car stopped at an intersection in front of you. The driver is hurt and his car is totaled. A few weeks later, you get notice that he’s suing you for $600,000.

Your standard car insurance may carry a liability limit of $300,000. If that’s the case, you would have to pay the remaining $300,000 out of your own pocket — that is, unless you had umbrella insurance.

Umbrella insurance is an additional policy designed to cover the difference between the liability limits on your existing policies and the amount you’re sued for. It’s also designed to cover related costs, such as the cost of a defense lawyer.

Types of Umbrella Insurance

Umbrella insurance isn’t just for car accidents, although this is a common use for the coverage. It’s actually designed to cover you against a wide range of liability. Here are some examples of the types of liability Ohio umbrella insurance can cover:

• Car accident liability

• Boating accident liability

• Homeowner liability (involving slip-and-fall accidents and similar issues)

• Libel and slander

• Commercial liability

Umbrella insurance can cover many types of incidents that standard insurance policies won’t. 

How it Works

Umbrella insurance policies usually won’t kick in until the limits of your other applicable policies are exhausted. For example, if you have a $250,000 liability limit on your homeowners policy and you are sued for $300,000 due to a slip-and-fall accident at your home, your umbrella policy would pay the $50,000 difference.

Umbrella insurance can cover your personal liability or liability related to your business. Keep in mind, however, that these types of policies are usually separated. A commercial umbrella insurance policy likely won’t cover you for an accident in your home, and a personal umbrella insurance policy likely won’t cover you for an accident at your place of business.

Things Umbrella Insurance Won’t Cover

Umbrella insurance is a particularly handy type of coverage if you have valuable assets or face a lot of potential liability, but it isn’t a catch-all. This type of insurance won’t cover everything, which is why it’s important to work with an insurance professional to make sure you’re covered in every way you need to be.

Here are some examples of things umbrella insurance policies typically won’t cover:

• Injuries that happen to you

• Damage to your property

• Liability from contract violations

• Any criminal or intentional acts you commit

• Third-party liability involving your business

Who Needs Umbrella Insurance in Ohio?

Most people could benefit from having extra coverage, but umbrella insurance is only needed if you face certain types of liability. The following are some examples of when you may need this type of coverage:

• You own property.

• You are a landlord. 

• You are a public figure.

• You coach children’s sports. 

• A new driver is part of your household.

• You own a gun, dog, trampoline, pool, hot tub or other items that can lead to injuries.

• You have a lot of guests in your home.

All of the above scenarios can mean you are particularly vulnerable to liability. And an Ohio umbrella insurance policy is an effective way to protect yourself.

Why Get Umbrella Insurance?

The primary benefit of umbrella insurance is relatively straightforward: You are better protected from being sued. But these benefits actually go deeper than that. For example, the coverage amounts for umbrella insurance in Ohio typically start at $1 million, and that will usually cost you between $150 and $300 per year in premiums. And if you need more than $1 million in coverage, you can usually add on another million for around $75 each year.

That’s pretty affordable, especially when you consider that the average car accident settlement is more than $24,000, with settlements on the higher end easily topping hundreds of thousands of dollars.

Additionally, if you’re a world traveler, umbrella insurance may be the only type of liability coverage that travels with you. Typically, your Ohio umbrella policy will cover you for liability that arises anywhere in the world.

Find the Best Ohio Umbrella Insurance Policy for Your Needs

Put simply, umbrella insurance can be a lifesaver. No one wants to be sued, but if you are a member of society, you are always at risk. It’s just like rain — any time you go out, you run the risk of getting wet. That’s why you shouldn’t leave the house without your umbrella.

Umbrella insurance can offer the kind of broad liability protection you need, no matter the circumstances you face or the value of the assets you own. There are plenty of policies to choose from, and figuring out which one is right for you can be a challenge. We’re here to help. 

The Wallace & Turner team can connect you with the perfect Ohio umbrella insurance policy to protect you, your family and your wallet. Ready to make sure you’re fully covered? Then reach out to our team. Give us a call at 937-324-8492 or contact us online today.