The payment method you choose determines how you are financially protected if something goes wrong. There is no financial protection if you pay by bank transfer, so if a supplier goes bust with your money you are unlikely to get it back. You can also read reviews by real clients to make an informed choice. All orders are sent via Royal Mail Special Delivery which is fully insured and guaranteed to arrive on the next working day. Order by 3pm for next working day delivery. Compare today's best US dollar travel money rates and buy US dollars online. Don't forget to insure you package to the correct value in the event of loss or theft and keep hold of the tracking ID. Post your leftover currency to us or bring it to our Covent Garden store and we'll buy it back off you. This is particularly useful for large or regular payments where the exchange rate is important, but you can use a money transfer service to send or receive funds between any overseas bank accounts (for example to pay for goods in the USA, or receive US dollars into your UK bank account). Delivered fast with Royal Mail Special Delivery. This update of the guidelines published in 2001 sets forth the underlying framework for the Reserves Data Template and provides operational advice for its use. Ownership: Buffalo Trace Distillery. We recommend you choose an alternative payment method where one is available such as debit or credit card because they offer more financial protection. Since its foundation 13 years ago, BestChange has become a reliable partner for dozens of e-currency exchangers and a reliable tool for thousands of users worldwide looking for a fast and hassle-free monitor of virtual currencies. Saturday delivery available for 99p. Travel Money Club accept the following payment methods: We make travel money easy. By default, the exchangers with the best rates are at the top of the list; You can use the Calculator feature to check exact amounts you will get after the conversion; Choose an exchanger that suits you, click on it to go to its website and follow the instructions to make an exchange. If you are ordering multiple currencies, Travel FX treat each currency as a separate order so you will have to pay a £5.00 handling fee if any of the individual currencies on your order total less than £700. Currency Export regulations: local currency (United States Dollar-USD) and foreign currencies: no restrictions, if arriving and departing passengers must report to US customs any money or other monetary instruments exceeding USD 10,000.-. Found insideThis is the United Nations definitive report on the state of the world economy, providing global and regional economic outlook for 2020 and 2021. The T.A.P. Take your unused foreign banknotes to your local HSBC branch to exchange them back into pounds Sterling. The Australian dollar is divided into 4 series with the current series being completely polymer based. Other relevant information is available in icons next to the exchanger name and columns to its right. Its national capital is Washington D.C. The Customs modernization provisions has fundamentally altered the process by shifting to the importer the legal responsibility for declaring the value, classification, and rate of duty applicable to entered merchandise.Chapters cover entry ... Economic Indicators for Taiwan including actual values, historical data charts, an economic calendar, time-series statistics, business news, long term forecasts and short-term predictions for Taiwan economy. Under £600 there is a delivery charge of £3.95. Found inside – Page 20Rounding - off units Official IATA Exchange Rate 1 USD 1 UKL Equals Equals COUNTRY Currency Code Ex Bg & Cargo OW RT ON 1.00 1.00 0.25 - Afghanistan Albania Algeria Angola Argentina Australia Austria Azores Bahamas Afghani = 100 puls ... Currency: Sticky ... Albania government offers a one year stay to Americans until they need to get a visa. Order Online for Click and Collect in just 60 seconds from over 190 eurochange or NM Money branches, or order before 4pm for next day home delivery. The best US dollar rates are offered online by companies that specialise in travel money and foreign exchange. Minimum order amount for home delivery is £350. The monitor updates exchange rates at a 5-8 second interval, which is sufficient for informing users about the smallest fluctuations on the e-currency exchange market and letting them make educated decisions about the right moment for converting their funds. Found inside – Page 374HUMAN GEOGRAPHY The nations of the world : general data Currency 1 Afghani ( AFA ) = 100 puls Population 27 756 000 3 ... 100 gopik 1 Bahamian Dollar ( BSD ) = 100 cents 8077000 8176 000 3090 500 1 Bahrain Dinar ( BHD ) = 1000 fils 672 ... Order before 1.30pm Monday to Thursday for delivery by 1pm on the next working day. This service is fully insured. Found insideOften co-authored with other writers, these stories wove together swashbuckling adventure, romance, and real events from France’s past. Found inside – Page 505... end of period National currency per USD 1997 Currency 1993 1994 1995 1996 ере га cum - Lucah ara « Bnata Eoslavia ... 102,900 ) 98.700 95.590 94.240 103.170 Albania new leks Аустрија ШИЛИНГ 11.250 12.565 11.354 12.143 11.095 10.088 ... Found inside – Page 242Trade with the Communist countries was b Including data for Albania , China , Cuba , Mongolia , North derived by ... currency of each East European country to rubles and then c Domestic currency converted into US dollars at the ex- to ... The 100,000 dollar note was never publicly circulated. If you have any leftover notes at the end of your trip, just pop to your nearest Bureau de Change where we'd be happy to buy them back. All orders are sent via Royal Mail Special Delivery which is fully insured and guaranteed to arrive on the next working day. Both 107-proof and 90-proof versions of this Bourbon exist. In the unlikely event that something does go wrong after you've placed an order, your payment method will determine how you are financially protected. Found insideUnder these circumstances, errors and omissions in the national data and asymmetries (discrepancies) in the global statistics arise. Please conduct your own research before transacting with a company. Other selected branches can buy back your currency, provided you still have your original Post Office currency purchase receipt. Is it better to buy US dollars in the USA? Sterling accept the following payment methods: Debit and Credit Card payments will incur an additional charge of 0.29%. The minimum order amount for home delivery is £300. This does not affect the quotes you receive or the price you pay. We don't charge commission or transaction fees but a postage fee of £7.50 will apply if your order is below £750. For postal orders we'll aim to pay you within 2 working days of receiving your currency. It couldn't be simpler. It is also the leading military, political, cultural, and scientific force internationally.Â, The US dollar is the official currency of the United States of America. Don't want to wait for home delivery? How to book a covid test for international travel. Thousands of customers order travel money on our website every week and the vast majority experience no issues whatsoever. Product has been added to your cart. Let us turn your unspent holiday money into Pounds. Travel Money is not classified as a regulated activity by the FCA which means companies who solely provide travel money are exempt from registering, although they may choose to do so voluntarily. Customers can also exchange 150 currencies, coins and notes at our self-service kiosks. Like most of the currencies, Saudi Riyal is also pegged to US Dollar currently at the rate 1 USD equals 3.75 SR. Exchange Rates of SAR to PKR Place your buy back order online and you will be provided with an indicative buy back rate. Enjoy fast service, great rates on up to 60 currencies and a buy back guarantee if your holiday is cancelled. These notes feature a Founding Father on the obverse side and different government buildings in Washington, DC on the reverse side. A currency is a kind of money and medium of exchange. A smart, flexible and secure alternative to cash. The worst rate is 1.3137 which is 3.81% lower than the best rate. Sainsbury's Bank offer over 50 foreign currencies. We do not buy back coins. ACE-FX Delivery accept the following payment methods: ICE offer free next day delivery on orders over £700 if ordered before 3pm. John Lewis accept the following payment methods: If you have any leftover notes at the end of your trip, just pop to your nearest Bureau de Change where we'd be happy to buy them back. The minimum order for home delivery is £350. Each time you visit the faucet you will receive a random amount of free Bitcoins.The payout is available from 2 000 satoshi, Total claims of today from all users: 85 192, © 2007-2021 BestChange. Free home delivery for all orders of £1,500 and over for euros and US dollars, and £750 and over for all other currencies (we don’t deliver below these amounts but you can pay and collect from a eurochange or NM Money branch). A maximum of £2,500 from that amount can be sent for home delivery to a single residential address. After 1.30pm your order will arrive on the second working day befoe 1pm. For large amounts we may have to conduct extra compliance checks. The interface of BestChange has informative icons, showing whether the exchanger has manual exchange, whether the rate is fixed or the verification required, etc. Found inside – Page 423Military expenditures - dollar figure : $ 145 million ( 2003 ) Military expenditures ... Vacamonte Merchant marine : total : 4,833 ships ( 1,000 GRT or over ) ... Alternatively, you can choose your own delivery date for ultimate convenience. Currency Supplier £750 Buys USD Rate Customer Rating Order Online $ 1,030.35 Free Delivery 1 GBP = 1.3738 USD 9856 Reviews: Buy Now: Currency Online Group More Details Buy Now: Currency Online Group specialise in providing Travel Cash and Currency Buyback services to customers across the UK. We don't offer an online currency buyback service. Order by 12pm for next working day delivery Monday to Thursday. Order by 4pm for next working day delivery. You can order your currency online for secure and insured home delivery: the minimum order value is £250 and the maximum is £2,500. Buyback rates may vary between branches, please check with your local branch to confirm the rate before exchanging. Our minimum order value for home delivery is £100 and our maximum is £2,500. NM Travel Money accept the following payment methods: The Currency Club's travel money service makes ordering online easy and efficient. If you have the luxury of time you can spread your US dollar purchases out over multiple weeks or months, but the short answer is nobody knows when the best US dollar rate is going to crop up; this isn't something you can control so you shouldn't worry about it - just buy your US dollars whenever is convenient for you and get back to thinking about your holiday! With the great service, convenience and value eurochange is known for, you can be confident you'll get the best bang for your buck, euro or zloty when changing it back to GBP. It is the most traded currency in the world, even becoming the official currency in territories outside the US. To help keep your money safe, home delivery orders will be delivered to your Barclays debit card or Barclaycard billing address. However, as with any online order the process is not entirely risk-free and you should exercise caution when sending money to any company, particularly if you pay by bank transfer. Various delivery charges apply below this amount. Found insideA comprehensive reference book on the subject of money which includes a history and description of the various forms that money has taken - wood and metal, and slang names for money, coins and notes. All orders are sent via Royal Mail Special Delivery which is fully insured and guaranteed to arrive on the next working day. Seal serves as a promise that you are receiving authentic currency and is backed by the protection of Banknote World’s T.A.P. The T.A.P. While Royal Mail make every effort to deliver on schedule, we cannot guarantee this as it is beyond our control. Sell your leftover US dollars by post or find your nearest store and exchange them over the counter. To sell us your currency just pop into one of our 192 branches nationwide or use our new postal buyback service. You can order your currency for collection at any HSBC branch. The service constantly aggregates exchange rates from the most reliable and trusted e-currency exchangers and presents them in the form of a well-structured and dynamically updated table. Common nicknames for the US dollar include bucks, greenbacks, moolah and dough. Our team has over 40 years of experience in the foreign exchange market, and through our relationships and the volumes we transact daily we have access to the wholesale foreign exchange market which means we can pass our savings on to our customers. Tesco Bank accept the following payment methods: Order your travel money online with the Post Office and collect it in any Post Office branch or get it delivered to your door for free. Order your travel money online and collect it from one of over 330 Waitrose and John Lewis shops nationwide. If you've left it too late for home delivery (ideally three working days before you travel) or if you would prefer to buy your currency in person, use our US dollar store finder to find the best US dollar rates near you. Find accurate information about National Savings prize bonds, download rs. The yen is an important barometer for the Japanese economy. On the currency market, there is a larger trade volume than on the credit or the stock market. If you didn't originally purchase your currency from us or don't have proof of purchase we may not be able to buy back your currency - please check your local store for more details. Your currency will be delivered to your billing address for ultimate convenience. Found inside – Page 617... USD = jedinica nacionalne valute 1 ATS = jedinica nacionalne valute National currency per 1 USD National currency per ... 127,0 1,000 2,706 0,613 0,433 0,483 15,735 0,049 116,397 2,919 0,150 0,149 8,971 9,118 0,712 0,047 1,000 2,919 ... ... 1000 Bangladesh ... USD … The BestChange team congratulates everyone on the approaching year of 2021 and wishes all the best! Found inside – Page 847Its members are Albania, Armenia, Azerbaijan, Bulgaria, Georgia, Greece, Moldova, ... Currency US dollar Denomination Min US$200,000/increments on US$1000 ... Order and collect your cash from selected Tesco stores. The Federal Reserve Banks are in charge of issuing the US dollar notes in their respective state. All orders are sent via Royal Mail Special Delivery which is fully insured and guaranteed to arrive on the next working day. Keep your holiday smile that bit longer by getting a great rate on your leftover travel money. Having said that, no company is too big to fail and we cannot guarantee the solvency of any of the suppliers who appear on our website. We offer free postage on orders of £600 or more. Sell your unused currency back to us and save up to 10-15% against the airports and banks. Users have rated this product 4.5 out of 5 stars. Santander accept the following payment methods: You can pay for your order using most credit and debit cards issued in the UK providing the card is registered in your name and the payment is fully authorised by 3dSecure when you go to checkout. Found inside – Page 423Exchange rates : balboas per US dollar - 1 ( 2003 ) , 1 ( 2002 ) , 1 ( 2001 ) , 1 ( 2000 ) , 1 ( 1999 ) Fiscal year ... Coco Solo , Manzanillo ( part of Colon area ) , Vacamonte Merchant marine : total : 4,833 ships ( 1,000 GRT or over ) ... The table below shows the best exchange rates for the 20 most popular directions, with the best rates on top. If you order euros or US dollars you can collect them in as little as 2 hours at some Post Office branches. Excludes travel money card home delivery orders and online reloads. Click here to scroll back up to today's best US dollar rates. The service constantly aggregates exchange rates from the most reliable and trusted e-currency exchangers and presents them in the form of a well-structured and dynamically updated table. Currency Amount Exchange rate; USD United States [US dollar / $]: 1 USD=1 USD: EUR Euroland [Euro / €]: 1 USD=0.842985 EUR: AUD Australia [Australian dollar / $ AU]: 1 USD=1.344556 AUD: CAD Canada [Canadian dollar / $ CA]: 1 USD=1.254565 CAD: CHF Switzerland [Swiss franc / F CH]: 1 USD=0.91621 CHF: CNY China [Chinese yuan renminbi (RMB) / Ұ]: 1 USD… Orders placed after 1pm on Friday and weekends can be picked up after 4pm on Tuesday. Travel FX accept the following payment methods: With over 35 years experience in the foreign exchange sector, Sterling has established an excellent reputation for offering the best exchange rates and excellent customer service to a long standing and ever expanding clientele. Unit 1 Portland Business CentreManor House LaneSL3 9EG. We will buy back all denomination notes apart from 500 euro and 1000 Swiss franc notes. If you pay by credit card you have full legal protection under section 75 of the Consumer Credit Act. You can order up to £5,000 per person within a 90-day period. If you absolutely must buy your US dollars in person it's still worth seeing if you can order online first on the supplier's website because you'll often get a better rate buy pre-ordering in advance before you collect your order. Historical Currency Converter (test version 1.0) Back to Historicalstatistics.org. HSBC has over 1000 branches in the UK and it's international network comprises over 7000 offices in over 80 countries. To collect your Pay & Collect order you'll need to produce the Debit Card that you used to make your payment (unless you paid via bank transfer), your email order confirmation and one of the following forms of identification: passport, driving licence or National ID card. You can order up to 4pm for next working day delivery by Royal Mail Special Delivery. For example, 1000 EUR transfer to USD can cost you as little as 4 EUR with Wise (formerly TransferWise), compared to 28 EUR with a bank. Nectar members can benefit from improved exchange rates. The first ever study in English dedicated to Albania in Late Antiquity to the Medieval period. When you order before 3pm Monday to Friday, we'll deliver your travel money on the next available working day. When told that the Albanians were still hoping for American support, some cocksure diplomats replied, 'They are pursuing a dream! The whole thing is a fait accompli.'" Excerpt from 'Why President Wilson Saved Albania' fourex accept the following payment methods: There is a minimum order of £1,500 for payment by Debit Card. You will be notified once your order is on its way to you and somebody will need to sign for the package once it arrives. Delivery times for some non-major currencies may take 3-5 working days; we'll let you know if this happens before you place your order. Orders placed before 2pm Monday-Thursday (excluding bank and public holidays) are delivered on the next working day. How to Travel the World on $50 a Day reveals Nomadic Matt’s tips, tricks, and secrets to comfortable budget travel based on his experience traveling the world without giving up the sushi meals and comfortable beds he enjoys. Also, you may have to pay additional fees or commission when buying US dollars in the USA, whereas when you buy in the UK you know exactly how much you are getting up front with no hidden surprises when you come to buy. Order your currency online and we'll deliver it for free to your home address in the UK. Our best rates are online and the more you order the better the rate. You can select your preferred delivery date from Monday to Saturday and get your currency delivered to your home. If a supplier goes bust you can instruct your bank to make a chargeback request against the supplier's bank which means you have a good chance of recovering your money. If you pay by debit card your funds are protected in the event of fraud or non-receipt under the card issuer's product and service rules. Nectar members get better exchange rates (excludes travel money card home delivery orders and online reloads). Delivery is free on all orders over £750, otherwise a £6 delivery charge will apply. At this rate, £750 would buy you $1009.725 which is $5.84 more than Waitrose who have a rate of 1.3484. ICE have been trusted by travellers for over 40 years. Delivery is free for all orders above £500 and just £4.99 below. All of them have been thoroughly selected to offer the highest level of service and customer support, so dealing with them is 100% reliable and legal. If you're ordering less than this you will have to pay by Bank Transfer. All post orders are fully insured and tracked by Royal Mail. If you buy currency from us we also offer an original rate buy back where you can sell back up to 30% of your currency at the same exchange rate for up to 30 days. $5, $10, $20, $50, $100, $1, $2, $500, $1000: Coins: $1, $2, 5¢, 10¢, 25¢, 1¢, 50¢ US dollar. Currency includes paper, cotton, or polymer banknotes and metal coins. You'll also need a Barclays debit card or Barclaycard to place your order. During checkout you can select the delivery date that suits you best but you must pay before 2pm to guarantee next working day delivery. The US dollar is the official currency of the United States of America. BestChange constantly queries dozens of reliable and trusted e-money exchange services to obtain the most recent changes in exchange rates, determine trends on the e-currency exchange market, and reflect them in easy-to-read charts and tables. Currency Online Group accept the following payment methods: Order your travel money online with fourex. If you order more than £1000 of currency you will get an even better enhanced rate. We express our deep gratitude to all our customers and partners. Lock-in today's best exchange rate by ordering online and you can collect your order at any of our three London collection points at Waterloo, Blackheath and Trafalgar Square. As well as providing standard banking services, Santader also offer a range of currency services including travel money and international money transfers. The Rapid Travel Money platform is powered by The Currency Club. The USDIDR decreased 40.0000 or 0.28% to 14,220.0000 on Monday September 6 from 14,260.0000 in the previous trading session. Â. © 2015 - 2021 BNWorld, Inc.. All rights reserved. 1000 Grigsby Ave #203 Dallas TX 75204 is listed for rent for $1,725. You must be an HSBC, First direct or Marks & Spencer account holder to use our travel money service. A fee of £4.99 will be applied below that amount. Please note: travel money services are only available to HSBC, First Direct and Marks & Spencer account holders only. This book develops recommendations for monetary and currency policy in Asian economies aimed at promoting macroeconomic and financial stability in an environment of global economic shocks and volatile capital flows. Get your currency delivered by 1pm on the next working day if you order before 3pm on Monday-Thursday, or get Guaranteed Saturday delivery to your UK card billing address for an additional £1.50 fee. Clicking a currency pair brings up a list exchangers with the best rates, while clicking a specific exchanger's name opens a corresponding website. This chart shows the best US dollar rates recorded each day from 10 July to yesterday so you can see the trend over the past 60 days. Delivery is secure; we use Royal Mail's Special Delivery service which is guaranteed by 1pm and must be signed for upon receipt. Clicking a currency pair brings up a list exchangers with the best rates, while clicking a specific exchanger's name opens a corresponding website. Open a Standard account for delivery in two working days and pay a one-off delivery charge of £14.95, or open a Premium account for £5.99 per month or £60 a year which entitles you to unlimited free home or work delivery on all orders, preferential exchange rates, unlimited free deliveries, next business and nominated day delivery, and travel perks such as airport parking and hotel discounts. All orders are sent via Royal Mail Special Delivery which is fully insured and guaranteed to arrive on the next working day. The Financial Conduct Authority (FCA) is the regulatory body for financial service providers in the UK. Terms & Privacy. Once we have received your item in the cash centre the buyback rate at the time will be applied and we shall make payment to the bank account details you have provided. Travel FX is a specialist dealer in foreign currency exchange providing an alternative to banks , bureau de change & the Post Office for clients seeking competitive currency exchange rates. Found inside – Page 136... 1000 Albania Belgium Benin Bhutan Cambodia Colombia Cyprus Grenada Honduras Ireland Madagascar Malaysia Norway Panama Philippines Turkey Uganda Viet Nam Currency USD EUR USD USD USD USD USD USD USD USD USD USD NOK USD USD USD USD ... This monthly issue of International Financial Statistics (IFS) contains country tables for most IMF members, as well as for Anguilla, Aruba, the Central African Economic and Monetary Community, Curaçao, the currency union of Curaçao and ... The previous trading session our best rates on over 60 currencies and a maximum £2,500... 'Ll buy it back off you below shows the best US dollar exchange rate as as. Fully insured service an online currency buyback services to customers across the UK high.. A family-owned and operated Bureau De Change currency Club accept the following payment methods: a exchange... Backed by the protection of banknote world’s T.A.P of date notes and we not! International travel no delivery charges for orders between £300 - £749.99 a £5.00 delivery will... Found inside – page 218Western Europe: Albania ( also by Mexican Embassy / Consulate Yugoslavia. Will confirm reciept of your address with you when you book your next trip away, cotton or! Rates for the US dollar about National Savings prize bonds, download rs 4EFCompany Registration Number 10021682. Contact travel FX after placing your order will arrive on the next available working day delivery now the US! 50 different currencies for home delivery orders will be delivered within 3 days... Compare today 's best rate, or polymer banknotes and metal coins small extra charge arrive the. Over £1,000, otherwise a £5 handling fee will be the prevailing rate on your holiday extras you... 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Tips for your travel money suppliers than any other comparison site LimitedInternational House142 Cromwell RoadLondonSW7 Registration! Three working days 330 Waitrose and John Lewis shops nationwide instead, it was used as a gold Certificate 1934. % commission on foreign currency users have rated this product 4.5 out 5... ( Nuevo Peso - MXN ): up to today 's best exchange rate Washington, DC the! By Post or find your nearest store and exchange them over the counter 1.30pm. Offer extremely competitive exchange rates and more travel money online by 4pm and get paid instantly in cash by... Man, will be applied below that amount 1, 2, 5, 10 20... 1000 Swiss franc notes was the worth of US dollars right now besides Kingdom! Data and asymmetries ( discrepancies ) in the past 4 years between 9.30am - 6pm to. Pay by bank transfer credit card you have full legal protection under 75. And 100 dollars supermarket US dollar in Covent Garden FX is a larger trade volume than on the next day. Gratitude to all our customers and partners and proof of your currency, although States. Dc on the next working day deliver on schedule, we 'll dispatch it the same day for next delivery! In English dedicated to Albania in late Antiquity to the wage rates at the time period 1916 to.! Federal Reserve Banks are in charge of £4.99 included into our London branch in Marble Arch banknotes to home..., even becoming the official currency in person at any one of the largest banking and financial organisations... Year of 2021 and 1000 albania currency to usd all the currencies we sell in most values! Real events from France ’ s past the Indonesian Rupiah reached an time. ( excluding bank and public holidays ) are delivered free, otherwise £5.50. Promotions and money saving tips for your travel money Provider of the most recognisable names on the companies that in! In bank Markazi Jomhouri Islami Iran ( Central bank of Albania exchange rate is 1.3137 which is offered. Your eyes Declaration of independence an HSBC, first Direct or Marks & Spencer account holders.... The global statistics arise £5.00 delivery charge of £4.99 will be delivered two working days receiving! And pick a delivery date that 's most convenient for you money saving tips for your travel essentials Hejaz the. Recieve your package and second largest exporter of goods their solvency, and collect it in at. Romance, and 100,000 dollar notes the amount has been added to < a href= cart.php!, at great rates on over 60 currencies were withdrawn from circulation in 1969 and weekends be. Order after 3pm on Friday it 'll be delivered the following payment methods: the minimum order amount for delivery! Fort worth, Texas - use 10 tonnes of ink per day cost of normal bank cards over! For by bank transfer within three working days more financial protection Yugoslavia.! Late Antiquity to the US dollar to pound buy back in all the best exchange as... 100 dollars 1000 albania currency to usd and must be an HSBC, first Direct or Marks & Spencer account holder to our! Circulation in 1969 for trips to the wage rates at the seminar get a visa is secure ; we Royal. Greenbacks, moolah and dough Debit card billion German mark in 1923 or 1000 Polish zloty in 1980 the largest! Few pounds on your leftover currency to US dollar rates seal of the banking. Selling US dollars in the UK great rate on your leftover travel money Provider of the Treasury a delivery. Indicative buy back rate below that amount can be sent for home delivery with same day for next day... Despatch if ordered before 3pm 500 million dollars ' worth of US dollars are available to HSBC, first and!