A+ Regulation Offering: Fad or Function?

The peer-to-peer funding space has been buzzing about Regulation A+, a rule that allows companies to raise capital from the masses. Proponents argue it's a powerful mechanism for small businesses and startups, while critics warn of potential risks. So, is Regulation A+ truly the breakthrough it's often presented to be, or just another short-lived fad?

  • Unpacking the realities of Regulation A+ offerings requires a critical approach.
  • Investors must meticulously research the risks of any investment opportunity, regardless of the funding method.
  • Disclosure from companies seeking capital is paramount to making educated decisions.

The path of Regulation A+ remains up in the air, but its impact on the financial landscape is undeniable. As with any disruptive technology, time will ultimately tell if it lives up to the hype.

Regulation Plus | MOFO

Morrison & Foerster (MOFO) has comprehensive guidance in navigating the complexities of Regulation A+, a federal securities framework. Our team of experienced attorneys works closely with companies to structure compliant offerings and support them through the entire process. From initial planning to regulatory filings and communication, MOFO offers tailored solutions designed to meet specific needs.

  • Leveraging its deep understanding of securities law and regulatory structure
  • MOFO
  • Supports companies in completing Regulation A+ registration statements

Overview Title IV Regulation A+ for me | Manhattan Street Capital

Title IV Regulation A+, also known as Reg A+, is a funding tool that allows businesses to raise equity from the public. It provides a route for startup organizations to access public capital, without having to go through a traditional IPO. Manhattan Street Capital is a platform that specializes in processing Reg A+ offerings for companies.

Under Regulation A+, firms can raise up to \$75 million in a 12-month period. There are certain requirements that companies must meet with, such as financial reporting. Manhattan Street Capital can provide guidance to firms throughout the Reg A+ journey, helping them to navigate the requirements.

Streamline Your Fundraising Efforts with a New Reg A+ Solution

Are you exploring innovative methods to raise capital for your business? Look no further than the cutting-edge new Reg A+ solution, designed to guide companies like yours towards accomplishing their financial targets.

Harnessing the power of the public markets, this powerful solution delivers a transparent path to capitalization. With its versatile structure and streamlined process, the Reg A+ solution is suited to meet the individual needs of businesses of all scales.

  • Benefit 1: This could be a benefit like increased capital access
  • Benefit 2: This could be another benefit like brand awareness growth
  • Benefit 3: This could be a final benefit like enhanced credibility

Explore the remarkable potential of the new Reg A+ solution and take your fundraising journey to the next milestone.

So what Is A Reg - We Have All Of Them

We're talking about the realm of regulations. You see, a Reg is basically a set of guidelines that tell you how things should be done. Consider it like this: a recipe for life in various fields.

  • Instances of regs are everywhere!
  • From your routine coffee to the newest tech gadget, there's a reg watching over it.

They are all about order, you know? And don't worry, we've got a handle on about them. Prepare yourself because this is a wild ride of regulations!

Navigating Capital Through Regulation A+ For Emerging Businesses

Regulation A+, a relatively new fundraising strategy, presents a distinct opportunity for startups to raise funding. By selling securities to the public, startups can tap into a larger pool of investors and drive growth.

Nevertheless, it's essential for startups to fully understand the requirements surrounding Regulation A+ before embarking on this path.

Some key considerations include:

* Navigating Legal Hurdles: Startups must comply with all federal securities laws and regulations, including submitting detailed reports with the Securities and Exchange Commission (SEC).

* Thorough Vetting: Conducting comprehensive due diligence is imperative to minimize risks and ensure the accuracy of financial statements.

* Market Readiness: Startups should evaluate their target market to determine if Regulation A+ is the right method for their requirements.

By consistently addressing these factors, startups can efficiently leverage Regulation A+ as a valuable tool to attain their expansion goals.

How Regulation A+ Works with Equity Crowdfunding

Regulation A+, a specialized framework within the Securities Act of 1933, offers companies an alternative path to raise capital through equity crowdfunding. This set of rules allows businesses to offer and sell securities to the public without undergoing a traditional initial public offering (IPO). By leveraging Regulation A+, companies can attract investments from a broader pool of individuals, often through online markets dedicated to equity crowdfunding.

  • In essence, Regulation A+ establishes limits on the amount of capital a company can raise during an offering and outlines specific disclosure requirements. These requirements ensure that investors have access to comprehensive information about the company and its financial performance.
  • One key perk of Regulation A+ is its ability to democratize investment opportunities for everyday individuals, often referred to as "angel investors" or "retail investors." This allows a wider range of people to participate in the growth of promising businesses.
  • Additionally, Regulation A+ can provide companies with significant adaptability compared to traditional IPO processes. The streamlined registration process and reduced regulatory burden make it a more streamlined option for certain startups and growth-stage companies.

On the other hand, it's important to note that Regulation A+ still requires companies to comply with comprehensive reporting and disclosure obligations. Investors should conduct their own due diligence and carefully review all available information before making investment decisions.

Regulation A+ FundAthena

FundAthena leverages the advantages of Regulation A+ to offer unique investment opportunities . The structure allows for enhanced access to capital for growth companies , enabling them to scale . FundAthena's knowledgeable team thoroughly vets project proposals, ensuring accountability throughout the cycle. Through its comprehensive approach, FundAthena strives to facilitate the gap between capital providers and high-potential ventures.

Special Purpose Acquisition Corporations Colonial Stock Securities Regulation‎

The burgeoning realm of blank-check companies has ignited both excitement and caution within the financial market. Lawmakers, acutely aware of the risk for manipulation, are rapidly crafting a regulatory system to monitor these uncharted investment vehicles. {Specifically|, the focus is on preserving investors from dishonest practices and guaranteeing market fairness. This intricate task requires a balancing act between fostering growth in the financial sector and mitigating potential for harm.

We Found A Reg

The team was pumped/ecstatic/overjoyed to finally get their hands on/locate/discover the elusive Reg. Months of searching had led them through/taken them across/sent them over countless landscapes/territories/areas, but now it was right there before them/within their grasp/finally in sight. The Reg, a legendary artifact/machine/device, was said to hold the key/possessed incredible power/had been rumored to unlock secrets that could change the world/rewrite history/alter the course of civilization.

  • Initial plans/The immediate goal/Their first order of business was to secure/protect/guard the Reg from falling into the wrong hands/hands of adversaries/enemy's possession.
  • Next steps/What came next/Following this discovery would be a delicate operation/process/task requiring expert knowledge/specialized skills/deep understanding to tap into/harness/utilize the Reg's full potential.

Tap into Resources Through Title IV Reg A+ Investment Platform

Dive deep into the world of Regulation A+, a powerful tool for businesses seeking to secure capital. Our latest infographic breaks down everything you need to know about Title IV Reg A+, including its advantages, steps, and how it can help your business grow.

  • Discover the capital-raising landscape through a visual guide.
  • Learn about the key characteristics of Title IV Reg A+.
  • Find out real-world examples of businesses that have employed Reg A+ to achieve their goals.

Don't miss out on this valuable resource. Share it with your network and stay ahead of the curve in the ever-evolving world of funding.

Regulation A+ Investments - Securex Filings LLC

Securex Filings LLC assists meticulous solutions for companies aiming to raise capital through a Regulation A+ investment. Our experienced team of experts guides customers through the complete process, from submission with the SEC through closing.

Our firm focus on every facet of Regulation A+ compliance, including regulatory analysis, preparing offering documents, and interaction with the SEC. Our team is committed to supporting businesses effectively undertake the Regulation A+ process to attain their financing objectives.

Dive into Crowdfund.co Effortlessly

Crowdfund.co is your go-to resource for all things crowdfunding. With a vast range of initiatives, you can explore compelling opportunities to contribute to. The intuitive interface makes it simple to filter projects by niche. Whether you're passionate about art, Crowdfund.co has something for everyone.

  • Connect with founders
  • Make a difference
  • Benefit from rewards

The Fundrise Reg A Offering

Fundrise is a well-established real estate crowdfunding platform that has announced a Reg A offering to raise capital for its diverse range of investments. This offering allows individual investors the opportunity to invest in Fundrise's real estate platform. The funds raised will be used to develop existing properties, providing further growth and potential returns for members.

The Reg A+ offering is open to a wider range of investors than traditional private placements. This makes it a more inclusive way for people to invest in real estate, regardless of their net worth.

A Securities and Exchange Commission

The Securities and Exchange Commission is/serves as/acts as the primary regulatory/governing/oversight body in/for/of the United States securities/investment/financial markets. It/Its purpose is to/ Established in/Founded in, the SEC has a mission to/seeks to/aims to protect investors, maintain/ensure/promote fair and orderly markets/trading/transactions, and to facilitate/encourage/foster capital formation. This involves/It encompasses/The SEC's responsibilities include registering securities offerings, overseeing/regulating/monitoring broker-dealers and investment advisors/consultants/managers, and investigating/prosecuting/addressing potential violations of securities/financial/investment laws. The SEC also provides/issues/offers investor education/outreach/resources.

CrowdExpert Reg A+ Equity Crowdfunding Title IV

Raising capital through online investment portals like CrowdExpert is an increasingly popular option for businesses looking to tap into the vast pool of potential investors. Title IV provides a framework|presents a unique opportunity for businesses aiming capital to connect directly with a wider community.

Under this framework, companies can secure up to $75 million through the sale of equity securities. This regulatory structure simplifies the process of|expedites the fundraising journey by providing a clear set of guidelines.

As a result, Reg A+ offers significant advantages over traditional financing approaches, including cost-effectiveness, enhanced transparency, and expanded capital sources.

Evaluating the Waters

Before diving headfirst into any venture, it's wise to test the waters first. This requires a careful approach, where you gently introduce your ideas or actions to see how they are received. It's a way to minimize risks and gain valuable feedback before making a full commitment.

Crowdfunding for the Masses

Crowdfunding has moved beyond its niche beginnings to become a powerful tool for individuals and communities worldwide. The ability to gather resources from a large pool of supporters has empowered entrepreneurs. Projects ranging from small-scale creative endeavors to ambitious social ventures can now find support through the collective power of the crowd.

This accessibility has created a dynamic environment where dreams take flight. As crowdfunding platforms continue to evolve, its impact on society as a whole is only expected to increase exponentially.

The power of crowdfunding extends beyond financial support; it's about a sense of community around ideas that make a difference.

FundingCircle

StreetShares is an innovative online lender that specializes in small businesses. With a mission to increasing financial inclusion for capital, StreetShares facilitates loans between entrepreneurs and capital providers. Their robust network allows businesses to obtain loans quickly and easily.

  • Their lending policies are tailored to address the challenges faced by small business owners.
  • Moreover, they provide a range of solutions such as lines of credit.
  • The company is committed to fostering economic growth within local communities.

Capitalizing Regulation A+ for Successful Fundraising

Regulation A+, a provision of the Securities Act of 1933, offers a unique pathway for companies to raise capital from the public. This regulation allows companies to offer and sell securities to both accredited and non-accredited investors through a streamlined process, potentially opening doors to a broader pool of funding. By utilizing Regulation A+, businesses can attract significant investment while maintaining honesty. A well-executed Regulation A+ offering can provide the necessary capital to fuel growth, expand operations, and ultimately achieve triumph.

  • Key factors for securing success in a Regulation A+ fundraising campaign include developing a convincing business plan, establishing a solid team of advisors, and clearly communicating the company's goal to potential investors.
  • Utilizing the ideal marketing channels is also crucial for reaching a diverse investor base. Companies can exploit social media platforms, industry events, and online platforms to cultivate excitement and gain investment.

Be aware that a successful Regulation A+ fundraising campaign requires meticulous planning, diligent execution, and ongoing transparency with investors. By adhering to regulatory requirements and cultivating strong investor relationships, companies can unlock the immense potential of this funding mechanism and pave the way for sustainable growth.

Equitinet Reg A+ Dealings Regulation A+

Regulation A+, also recognized as Reg A+, empowers privately held companies to raise capital from the public through a simplified and streamlined process. EquityNet, a prominent online platform facilitating private company funding, actively enables this by connecting companies with prospective investors interested in participating in Reg A+ offerings. These offerings permit companies to secure investments up to $75 million within a defined timeframe, providing an alternative to traditional fundraising methods. By leveraging EquityNet's comprehensive network and user-friendly platform, companies can proceed through the complexities of Reg A+ compliance while connecting with a broader pool of investors.

Governance A+ Companies

The landscape for exceptionally performing companies has become increasingly intricate. With the rise of regulatory frameworks, achieving an "A+" designation signifies a commitment to excellence practices. These companies often implement cutting-edge processes to ensure ethical conduct. This dedication to compliance not only enhances their profile but also strengthens trust with stakeholders.

  • {Furthermore|Additionally, A+ companies often engage in proactive challenge management strategies to mitigate potential concerns.
  • These commitment to social responsibility is also a hallmark of this elite group.

Governance A+ Summary

A positive system is essential for ensuring safety within any sector . This report provides a thorough analysis of the current climate, highlighting its strengths and limitations . It also explores potential solutions for strengthening controls to promote a healthy marketplace .

  • Key takeaways
  • Current challenges
  • Effects on businesses

Regulation + Real Estate

The realm of real estate is a dynamic and nuanced one. It's constantly evolving in response to market forces. To ensure fairness, robust standards are essential. These frameworks aim to protect both buyers and sellers, fostering a vibrant real estate industry.

A primary emphasis of real estate regulation is to prevent deceptive practices. Statutes are in place to oversee aspects like property deals, disclosure, and licensing of real estate professionals.

These measures help to establish a trustworthy real estate market where consumers can securely participate.

Compliance with real estate regulations is crucial. Failure to do so can result in serious penalties, including penalties.

It's therefore obligatory for all real estate actors, from agents to developers and owners, to have a comprehensive understanding of the applicable laws. This knowledge is fundamental to conducting business in the real estate field ethically and lawfully.

Maintaining informed about changes in real estate regulation is an ongoing process. Government bodies often modify existing laws or introduce new ones to address to evolving market circumstances.

Real estate experts must continuously enhance their knowledge base to guarantee compliance and guide the complex regulatory landscape.

Public Listing First JOBS Act Company Goes Public Via Reg A+ on OTCQX

It's an exciting day for our company as we officially go public through a Regulation A+ offering on the OTCQX marketplace! As one of the first companies to utilize the JOBS Act, this represents a significant achievement in our journey.

We're incredibly grateful for the support of our investors and team who have helped us get to this moment. This public listing will provide us with the resources to expand our business and bring our mission to life.

We're confident about the future and look forward to sharing this journey with all of you.

FundersClub Launches Reg A+ Raises on the Platform

FundersClub, a well-established network for early-stage companies, is now offering the ability for its members to conduct Reg A+ capital campaigns directly on the platform. This move enhances FundersClub's capabilities, providing a new opportunity for companies to access public capital through this growing fundraising structure. Reg A+ permits private companies to raise funds from the general public, offering a accessible alternative to traditional funding options. This development is anticipated to empower a wider spectrum of companies in their growth endeavors.

Regulation A+

Regulation A+ is a aspect of securities law in the United States that permits companies to raise capital from the public through crowdfunding. It provides a streamlined process for smaller businesses to obtain investment, offering a chance to raise up to $75 million in a 12-month period. Regulation A+ filings are made with the Securities and Exchange Commission (SEC), which examines them to ensure compliance with federal securities laws. Once approved, companies can utilize Regulation A+ crowdfunding platforms to connect with investors and raise funds.

  • Crowdfunding portals offer a variety of services to both companies and investors. They manage the procedure of raising capital, offering tools for marketing campaigns, investor engagement, and financial reporting.
  • Investors who participate in Regulation A+ offerings receive access to a share of ownership in a company while also funding its growth.

Reg A+ IPO Breakdown

A Regulation A+ IPO, also known as Reg A+ IPO, offers an innovative opportunity for companies to raise capital via the public. This type of IPO enables companies to offer their securities to the general public, providing broader reach to investment opportunities. A Reg A+ IPO overview provides essential insights about the offering, including the company's business model , financial history , and risks . Investors can use this knowledge to make informed decisions before participating in the IPO.

A+ Securities Regulations

Regulation A+, also known as Provision 257 of the Securities Act of 1940, provides a mechanism for companies to raise capital from the public through the issuance of securities. This rule establishes specific requirements that issuers must meet in order to conduct an A+ offering. It offers a more streamlined option for capital formation compared to traditional initial public offerings (IPOs), making it an desirable alternative for growing companies.

Key features of Regulation A+ include a structured system, allowing for different capital limits, and streamlined reporting burdens. Companies must still register their offering documents with the Securities and Exchange Commission (SEC) and provide investors with detailed disclosures.

  • Companies can raise capital from both accredited and non-accredited investors under Regulation A+.
  • The SEC reviews offering documents to ensure they are compliant with relevant regulations.
  • Purchasers receive certain protections, such as the right to sue for misrepresentation in the offering documents.

Requirements A+ Crowdfunding

Securities Fundraising regulations for Regulation A+ crowdfunding can be complex and require careful navigation. Entities seeking to raise capital through this method must adhere to strict Standards set forth by the Securities and Exchange Commission (SEC). These regulations cover various aspects, including the type of information that must be Revealed to investors, the maximum amount of funds that can be raised, and the Qualification for both the company and its investors.

  • Grasping these regulations is crucial for companies Seeking to successfully complete a Regulation A+ offering.
  • It is highly Advised to consult with experienced legal and financial professionals who specialize in securities law and crowdfunding.

Guidance on SlideShare for securities offerings a Securities Act jobs act Section 106 Regulation A+ Tier 2 Offering

The intersection of SlideShare, a popular platform for content sharing, and securities regulations presents unique challenges. Recent developments in the JOBS Act , specifically section this section, have introduced a framework for companies to utilize platforms like SlideShare for conducting Tier 2 Regulation A+ offerings. However, navigating the requirements under the Securities Act while leveraging platforms including SlideShare requires careful consideration.

  • Entities exploring a SlideShare-based Reg A Tier 2 offering must meet all requirements of the securities laws.
  • Transparency obligations are essential for investors to make informed decisions
  • Professional legal advice is indispensable to navigate the regulatory landscape effectively.

{Companies should alsoconsider the potential impact ofthe platform's terms of service. Understanding and adhering to SlideShare's community guidelines is {essential formaintaining a positive presencethrough the platform.The purpose, scope, and implementation of each regulation.

  • Furthermore, understanding the interplay between these regulations is necessary in achieving a well-regulated financial system.
  • Regulation A+ DPO

    A Regulation A+ DPO is a document that outlines the rules for handling data subject inquiries under regulation A. This critical document of a company's strategy helps ensure accountability when dealing with data subject requests as outlined in regulation A. Therefore, the DPO ensures that companies are effectively complying with the provisions of regulation A.

    SEC Approves New “Reg A+” Rules for Crowdfunding

    In a landmark decision that promotes the funding landscape, the Securities and Exchange Commission (SEC) has recently approved new regulations under Regulation A+, commonly known as “Reg A+.” These updated rules are designed to boost capital raising for emerging ventures through crowdfunding.

    Under the new Reg A+ regime, companies will have greater flexibility in the sum of capital they can raise from the public, while also enjoying simplified disclosure requirements. This move is expected to empower entrepreneurs and small businesses by providing them with a efficient pathway to secure funding.

    • Additionally, the SEC's decision reflects a growing recognition of the value of crowdfunding in fueling economic development.
    • Therefore, investors will now have more opportunities to invest in promising startups and contribute to their success.

    The new Reg A+ rules are currently being implemented on [Date]. This development is poised to transform the fundraising landscape, creating a more vibrant ecosystem for capital formation.

    Regulation A+

    Regulation A+ and Regulation D are two distinct methods for raising capital through securities offerings in the United States. They offer different advantages and are tailored to companies of varying scales.

    Regulation A+ is designed to facilitate access to public funding for smaller businesses by allowing them to raise up to $100 million in a single offering through general solicitation and advertising. In contrast, Regulation D primarily serves as a structure for private placements of securities, enabling companies to raise capital from a limited number of accredited investors without the same level of public disclosure requirements .

    Rule 506 of Regulation D offers two primary exemptions: Rule 506(b) and Rule 506(c). Under Rule 506(b), companies can raise capital from an unlimited number of accredited investors, but are restricted to a maximum of 35 non-accredited investors. Rule 506(c) permits general solicitation and advertising, providing greater flexibility for companies in reaching potential investors. However, it necessitates that all purchasers be verified investors.

    Rule 506(d) is a provision within Regulation D that specifically addresses the offering of securities to "qualified purchasers." This exemption allows companies to raise capital from sophisticated institutional investors who meet certain wealth criteria, providing an avenue for larger private placements.

    Ultimately, the choice between Regulation A+ and Regulation D depends on a company's specific needs and circumstances. Factors to consider include the desired amount of funding, the target investor base, and the level of public disclosure required.

    D-Series 7 Regulations Cheat Sheet

    Navigating the intricacies of Regulation D and its two primary exemptions, Rule 506(b) and Rule 506(c), can be a difficult task for those in the securities industry. This cheat sheet provides a concise guide to help you distinguish these crucial rules and understand their implications for fundraising activities.

    Rule 506(b) allows companies to raise investment from an unlimited number of accredited investors, alongside a maximum of thirty-five non-accredited participants. This exemption emphasizes verification of investor status and relies on private placement offerings to provide essential information about the offering.

    Conversely, Rule 506(c) enables companies to raise funds from an unlimited number of accredited investors without any boundaries on non-accredited investors. However, it mandatespromotional efforts, along with strict due diligence requirements and a thorough verification process for all contributors.

    • Rule 506(b) - Limited non-accredited investors
    • Rule 506(c) - Unlimited accredited investors

    Understanding the nuances of each rule is vital for companies seeking to raise capital through private placements. Consulting with a qualified securities attorney can provide valuable guidance and ensure compliance with applicable regulations.

    Discovering DreamFunded Resources on Regulation A+

    Regulation A+, a investment mechanism within the U.S. securities laws, offers a unique opportunity for companies to raise capital from the wider investor base. DreamFunded, a prominent platform specializing in Regulation A+ funding, offers a robust set of resources to guide both entities seeking funding and investors looking for emerging investment possibilities.

    • Within these resources are detailed tutorials on the structure of Regulation A+, workshops with industry professionals, and a curated directory of companies currently employing this funding approach. DreamFunded's focus to transparency and information empowers both sides of the investment landscape, cultivating a dynamic ecosystem for Regulation A+ capitalization.

    The OTC Markets Tripoint FINRA Jumpstart Our Business Startups Jobs act Tycon

    The recent developments in the investment sphere are spurring opportunities for growing businesses. One important example is the intersection of financial markets with the regulatory framework. This dynamic ecosystem can offer a unique pathway for firms to accessinvestment and grow.

    Tycon, a prominent force in the space, is actively involved in this evolution. Their focus is to facilitate the disconnect between companies and capital providers. Via their network, Tycon is helping innovative to access the nuances of raising capital.

    Securing SEC Approval: A Crucial Step for Crowdfunding Platforms

    Navigating the complex world of finance requires meticulous planning and adherence to regulations. When it comes to crowdfunding platforms like GoFundMe, Kickstarter, and Indiegogo, securing/acquiring/gaining SEC approval is a paramount priority. This process ensures/guarantees/verifies that {these platforms/their ventures adhere to federal securities/investment/financial laws.

    For equity investment ventures, complying with/meeting the requirements of/submitting to SEC qualification is essential/crucial/vital. This involves a rigorous screening process that assesses/evaluates/analyzes the fundraising activities/investment proposals/business models to protect investors and maintain market integrity/ensure transparency and fairness/foster a secure financial environment.

    Understanding/Grasping/Comprehending the SEC's role in regulating/overseeing/governing crowdfunding platforms and equity investments is indispensable/vital/crucial for both entrepreneurs and potential investors. By understanding these regulations/familiarizing themselves with these guidelines/keeping abreast of these requirements, stakeholders can navigate the financial landscape successfully/make informed decisions/participate confidently in the capital markets.

    {

    EquityNet Venture CircleUp Regulation A

    The landscape of capital raise is rapidly evolving, with innovative platforms like EquityNet connecting angel investors with promising entrepreneurs. Crowdfunding, a form of equity crowdfunding, allows individuals to invest in diverse sectors such as energy companies through online campaigns. Regulation D and the JOBS Act have paved the way for greater access to early-stage investments, empowering both NASDAQ retail investors and seasoned private equity firms to participate in shaping the future of innovation.

    SoMoLend and other fintech platforms are disrupting traditional financial institutions, offering streamlined solutions for raising capital. Bloomberg continue to provide insights into the evolving world of investments, highlighting the potential returns and risks associated with convertible debt investments.

    • Cash From the Crowd provide unique opportunities for individuals to invest in real estate, energy, or tech projects.
    • Early-stage funding often involve high risk but also the potential for significant rewards.
    • Offering equity are becoming increasingly sophisticated, leveraging technology and data analytics to connect investors with promising ventures.

    Leave a Reply

    Your email address will not be published. Required fields are marked *