Flyover Capital

dScribe AI is a technology company that specializes in video analysis. It offers a SaaS platform which automatically analyzes online videos using only their links. The platform provides visual summaries, insights, and transcriptions, enabling clients to extract valuable business insights such as market trends, customer sentiment, and brand mentions. It caters to a wide range of clients, from developers seeking to integrate social media analysis into their apps, to businesses aiming to understand their audience better, and enterprises requiring mass brand protection.

DigitalEx is a developer of a hybrid cloud cost optimization platform that addresses the challenges of rising costs and inefficiencies faced by enterprises. The company provides tools to help organizations effectively manage and reduce their spending by offering real-time visibility and transparency into on-premises infrastructure costs. Utilizing artificial intelligence-backed technology, DigitalEx enables clients to monitor, analyze, and optimize their cloud costs and usage, thereby improving operational efficiency and supporting digital transformation objectives. Additionally, the platform includes simulation capabilities to estimate the costs associated with running workloads across various cloud environments, empowering businesses to make informed financial decisions in a rapidly evolving digital landscape.

Aetos Imaging specializes in advanced 3D technology designed to enhance facility management. The company's visual management platform captures and presents essential operational knowledge, enabling facility personnel to access critical information efficiently. By implementing virtual equipment databases and offering customized site-specific training, Aetos fosters improved understanding and efficiency in building operations. The platform also supports remote collaboration, allowing clients to manage their facilities from virtually anywhere in the world. Through these innovations, Aetos Imaging aims to streamline operations and empower those responsible for maintaining and running facilities.

Invary is a cybersecurity company specializing in operating system runtime validation. It detects hidden malware and prevents ransomware attacks, enhancing businesses' security systems.

ChampionHQ operates as a customer marketing platform to activate your customers and fans to create post-sale marketing programs.

VRGL is a company that specializes in providing wealth management firms with advanced analytics and automated data extraction tools. Its platform is designed to enhance the client acquisition, proposal management, and retention processes for financial advisors. By enabling seamless aggregation of client investment data, VRGL allows advisors to deliver a comprehensive view of clients' investment portfolios. The technology offers a no-touch analytics package that helps advisors contextualize their investment offerings and demonstrate the value they add. Additionally, VRGL's software provides scoring of client and prospect portfolios based on key metrics such as performance, diversification, risk, taxes, and fees, thereby guiding advisors in formulating more effective investment strategies. Founded by pioneers in the institutional wealth management sector, VRGL aims to empower financial professionals with the insights needed to better serve their clients.

Dispatch helps independent financial advisors to build ideal firms through strategic investments and advanced technology.

Layr employs AI and machine learning to pair businesses with suitable commercial insurance policies from top-rated carriers. Its user-friendly platform offers cash-flow-friendly payment options, easy policy updates, and expert broker assistance.

PRECZN provides a fintech operating platform for vertical SaaS providers to accelerate monetization with a single integration. The platform features an API-first, end-to-end microservices architecture that supports multi-provider payment orchestration, flexible payments, real-time migration, volume controls, and comprehensive reporting, recommendations, and quality of service assurance, enabling clients to precisely control commerce and optimize results.

Velostics is a logistics software-as-a-service company that automates manual and paper-based inbound processes at terminals, warehouses, and plants. Its Velostics AI platform coordinates communication between carriers and facilities systems to enable scheduling, check-in, and loading of vehicles more quickly and with fewer errors. The Velostics Pass technology and QR code allow shipment data to be exchanged contactlessly, reducing delays and paperwork during check-in, shipping, and receiving. The solution aims to improve throughput and operational efficiency, delivering tangible returns for customers.

Invary is a cybersecurity company specializing in operating system runtime validation. It detects hidden malware and prevents ransomware attacks, enhancing businesses' security systems.

Project Admission, Inc. is a technology company based in Nashville, Tennessee, that specializes in the online management of digital ticketing for live events. Established in 2017, the company provides a platform that facilitates the purchase, sale, and distribution of digital tickets while also enabling tracking throughout the ticket's lifecycle. Project Admission collaborates with the live event industry to enhance ticket distribution by allowing brands, influencers, and fans to engage in authentic ticket transactions via direct and social channels. The platform not only simplifies and secures ticket transfers but also offers insights into ticket ownership and attendee data, thereby helping clients maximize revenue through managed exchanges.

LendingStandard offers an online platform for commercial loan origination, underwriting, processing, and document preparation. The system consolidates financial data into a single repository, providing a unified view of checklist status, due dates, expiration dates, and closings to streamline underwriting and funding. It supports collaboration across stakeholders by enabling an upfront application that can be shared with business owners, controllers, accountants, and partners, accelerating decision-making and service differentiation for lenders. The platform is designed to improve efficiency in complex commercial transactions by integrating data, processing workflows, and document management. Founded in 2012 and based in Kansas City, Kansas, LendingStandard collaborates with leading data and software providers to enhance data quality and speed of lending decisions.

Redeem uses Web3 technology to enable users to send and redeem non-fungible tokens (NFT) by using their phone numbers.

Elements Advisors provides a digital platform offering processes, frameworks, and assessments tailored for financial planning services. Its software enables financial advisors to evaluate client data, track financial health, and demonstrate value to prospective clients.

Founded in 2012, Opendorse is a technology company specializing in athlete endorsement management. It operates a SaaS-enabled marketplace, connecting over 100,000 athletes with sports organizations and supporters to facilitate endorsements. The platform helps athletes understand, build, and monetize their name, image, and likeness (NIL) value. Opendorse partners with major sports organizations such as the USOPC, NFLPA, MLBPA, NBPA, NHLPA, PGA TOUR, LPGA, and over 100 NCAA athletic departments.

DevStride is a comprehensive project and portfolio management solution that integrates strategic planning, project management, and reporting. Its cloud-based software facilitates task management, team communication, time tracking, cost analysis, predictive analytics, and productivity optimization.

VRGL is a company that specializes in providing wealth management firms with advanced analytics and automated data extraction tools. Its platform is designed to enhance the client acquisition, proposal management, and retention processes for financial advisors. By enabling seamless aggregation of client investment data, VRGL allows advisors to deliver a comprehensive view of clients' investment portfolios. The technology offers a no-touch analytics package that helps advisors contextualize their investment offerings and demonstrate the value they add. Additionally, VRGL's software provides scoring of client and prospect portfolios based on key metrics such as performance, diversification, risk, taxes, and fees, thereby guiding advisors in formulating more effective investment strategies. Founded by pioneers in the institutional wealth management sector, VRGL aims to empower financial professionals with the insights needed to better serve their clients.

Nickels is a company that focuses on helping consumers of banks and credit unions manage their finances through the application of behavioral science. It develops white-label digital products aimed at enhancing the financial health of its users. These products allow customers to link their loans and receive tailored recommendations for loan repayments. By providing tools that facilitate tracking of loans, Nickels supports both individual consumers and businesses in making informed financial decisions, ultimately promoting economic growth and stability.

Layr employs AI and machine learning to pair businesses with suitable commercial insurance policies from top-rated carriers. Its user-friendly platform offers cash-flow-friendly payment options, easy policy updates, and expert broker assistance.

Project Admission, Inc. is a technology company based in Nashville, Tennessee, that specializes in the online management of digital ticketing for live events. Established in 2017, the company provides a platform that facilitates the purchase, sale, and distribution of digital tickets while also enabling tracking throughout the ticket's lifecycle. Project Admission collaborates with the live event industry to enhance ticket distribution by allowing brands, influencers, and fans to engage in authentic ticket transactions via direct and social channels. The platform not only simplifies and secures ticket transfers but also offers insights into ticket ownership and attendee data, thereby helping clients maximize revenue through managed exchanges.

Velostics is a logistics software-as-a-service company that automates manual and paper-based inbound processes at terminals, warehouses, and plants. Its Velostics AI platform coordinates communication between carriers and facilities systems to enable scheduling, check-in, and loading of vehicles more quickly and with fewer errors. The Velostics Pass technology and QR code allow shipment data to be exchanged contactlessly, reducing delays and paperwork during check-in, shipping, and receiving. The solution aims to improve throughput and operational efficiency, delivering tangible returns for customers.

Filo.co is a collaborative platform that facilitates virtual events, meetings, and workshops for organizations. It aims to enhance remote collaboration by providing customizable spaces for various types of interactions, including all-hands meetings, team brainstorms, and workshops. The platform is designed to connect individuals through video, voice, and chat, thereby reducing barriers to effective communication. By streamlining the process of organizing collaborative events, Filo.co supports distributed teams in working more efficiently and improving their overall information-sharing systems.

Founded in 2019, TripleBlind operates an online platform enabling entities to collaborate on sensitive data and algorithms without compromising privacy. Its software-only solution, delivered via API, focuses on healthcare and financial services, supporting various data types and cloud platforms. Backed by Accenture, General Catalyst, and Mayo Clinic, TripleBlind ensures compliance with HIPAA and GDPR.

Rentable is an internet company founded in 2011 and based in Madison, Wisconsin, that focuses on enhancing the apartment rental search experience. The company offers a web-based platform that features localized flat listings, search aids, and map-based searches. Its intuitive user design and robust search functionality allow users to browse apartment listings easily and calculate rent affordability. By leveraging modern technology, Rentable aims to streamline the process of finding suitable rental properties, catering to the needs of rent seekers looking for a more efficient way to search for apartments.

Snappy Kraken is a software-as-a-service marketing platform for financial advisors that automates, personalizes, and tracks marketing campaigns and related business processes. The platform provides ready-made campaigns composed of email drip sequences, social media posts, and advertisements, enabling advisors to deploy multi-step marketing programs across multiple channels. It includes a dashboard to calculate marketing return on investment, supports client nurturing campaigns, and facilitates content creation and delivery, helping advisors manage outreach more efficiently.

Founded in 2019, TripleBlind operates an online platform enabling entities to collaborate on sensitive data and algorithms without compromising privacy. Its software-only solution, delivered via API, focuses on healthcare and financial services, supporting various data types and cloud platforms. Backed by Accenture, General Catalyst, and Mayo Clinic, TripleBlind ensures compliance with HIPAA and GDPR.

Layr employs AI and machine learning to pair businesses with suitable commercial insurance policies from top-rated carriers. Its user-friendly platform offers cash-flow-friendly payment options, easy policy updates, and expert broker assistance.

Rentable is an internet company founded in 2011 and based in Madison, Wisconsin, that focuses on enhancing the apartment rental search experience. The company offers a web-based platform that features localized flat listings, search aids, and map-based searches. Its intuitive user design and robust search functionality allow users to browse apartment listings easily and calculate rent affordability. By leveraging modern technology, Rentable aims to streamline the process of finding suitable rental properties, catering to the needs of rent seekers looking for a more efficient way to search for apartments.

Threatcare is a provider of automated Breach and Attack Simulation solutions designed to enhance cybersecurity for organizations. Its proactive cyber defense platform simplifies security controls through continuous monitoring and intelligent simulations. By utilizing non-malicious attack scenarios, Threatcare tests an organization's security systems across personnel, products, and procedures. This approach allows security teams and incident responders to gain real-time insights and actionable recommendations, helping them to effectively measure and maintain a robust cybersecurity posture. The platform focuses on reducing the attack surface, ensuring that organizations can better prepare for potential threats.

Aker Technologies Inc. is a company dedicated to providing advanced crop intelligence and in-season analytical tools for agricultural operations. Established in 2014 and based in Winnebago, Minnesota, with an additional office in Chicago, the firm focuses on enhancing precision farming practices through innovative technology. Aker Technologies has developed patented computer vision and biometric sensors, alongside software solutions that detect, classify, and measure various agricultural challenges, including pest pressure, airborne pathogens, crop diseases, and fertility issues within crop canopies. The company's services also include a customer service platform tailored for chemical suppliers, agricultural retailers, and consultants, facilitating support for growers throughout the growing season.

Snappy Kraken is a software-as-a-service marketing platform for financial advisors that automates, personalizes, and tracks marketing campaigns and related business processes. The platform provides ready-made campaigns composed of email drip sequences, social media posts, and advertisements, enabling advisors to deploy multi-step marketing programs across multiple channels. It includes a dashboard to calculate marketing return on investment, supports client nurturing campaigns, and facilitates content creation and delivery, helping advisors manage outreach more efficiently.

Founded in 2012, Opendorse is a technology company specializing in athlete endorsement management. It operates a SaaS-enabled marketplace, connecting over 100,000 athletes with sports organizations and supporters to facilitate endorsements. The platform helps athletes understand, build, and monetize their name, image, and likeness (NIL) value. Opendorse partners with major sports organizations such as the USOPC, NFLPA, MLBPA, NBPA, NHLPA, PGA TOUR, LPGA, and over 100 NCAA athletic departments.

LendingStandard offers an online platform for commercial loan origination, underwriting, processing, and document preparation. The system consolidates financial data into a single repository, providing a unified view of checklist status, due dates, expiration dates, and closings to streamline underwriting and funding. It supports collaboration across stakeholders by enabling an upfront application that can be shared with business owners, controllers, accountants, and partners, accelerating decision-making and service differentiation for lenders. The platform is designed to improve efficiency in complex commercial transactions by integrating data, processing workflows, and document management. Founded in 2012 and based in Kansas City, Kansas, LendingStandard collaborates with leading data and software providers to enhance data quality and speed of lending decisions.

Chowly develops software that connects restaurant point-of-sale systems with third-party online ordering platforms. The solution automates the transfer of orders from online channels into the POS, eliminating manual entry by staff. Founded in 2015 and based in Chicago, the company aims to streamline restaurant operations, reduce staffing costs, lower errors, improve order controls, and expand revenue by enabling seamless online orders.

ScaleFactor provides automated accounting and finance software, offering features such as bookkeeping automation, proactive alerts, and business insights translation. It formerly offered additional services like IT integration, HR/payroll, compliance, and CFO advisory. ScaleFactor served various industries including professional services, restaurants, retail, technology, and wellness. The company was founded in 2014 and had offices across North America before ceasing operations.

DemandJump Inc. is a marketing intelligence software platform founded in 2015 and based in Indianapolis, Indiana. The company provides tools that leverage artificial intelligence to deliver comprehensive online and offline data, competitive insights, audience behavior analysis, and market trends for marketers. Its key offerings include Traffic Cloud, which helps identify traffic sources, influencers, and keywords that drive qualified traffic to brands, and Account-Based Attribution, which allows marketing and sales teams to assess the revenue impact of various customer touchpoints. By automating keyword and SEO research, DemandJump enables businesses to enhance customer acquisition, optimize marketing expenditures, and capture market share effectively. The platform aims to make competitive digital data actionable, facilitating better decision-making for marketers and ultimately maximizing returns on investment.

Inprentus, Inc. is a nanotechnology company based in Champaign, Illinois, specializing in the design and manufacture of ultra-high precision diffraction gratings. Founded in 2012, the company produces X-ray and extreme ultraviolet (EUV) gratings that are utilized in synchrotron radiation facilities for applications in chemical analysis, imaging, and various research sectors, including photovoltaics, catalysis, and structural biology. Inprentus has developed an innovative manufacturing method for mechanically ruled blazed diffraction gratings, achieving high resolving power with minimal blaze angles. Their products serve a wide range of industries, including semiconductor manufacturing, optical data communication, and advanced laser applications, enabling enhanced capabilities in spectrometers, monochromators, and laser instrumentation.

Threatcare is a provider of automated Breach and Attack Simulation solutions designed to enhance cybersecurity for organizations. Its proactive cyber defense platform simplifies security controls through continuous monitoring and intelligent simulations. By utilizing non-malicious attack scenarios, Threatcare tests an organization's security systems across personnel, products, and procedures. This approach allows security teams and incident responders to gain real-time insights and actionable recommendations, helping them to effectively measure and maintain a robust cybersecurity posture. The platform focuses on reducing the attack surface, ensuring that organizations can better prepare for potential threats.

ScaleFactor provides automated accounting and finance software, offering features such as bookkeeping automation, proactive alerts, and business insights translation. It formerly offered additional services like IT integration, HR/payroll, compliance, and CFO advisory. ScaleFactor served various industries including professional services, restaurants, retail, technology, and wellness. The company was founded in 2014 and had offices across North America before ceasing operations.

RiskGenius is a developer of a policy review platform that utilizes artificial intelligence and machine learning to enhance the efficiency of insurance professionals. The platform is designed to streamline the work of underwriters, brokers, and regulators by interpreting, organizing, and standardizing policy language. Through its custom algorithms and workflow modules, RiskGenius enables its customers to gain a better understanding of policy language, thereby facilitating more efficient underwriting workflows. The company's focus on true policy automation allows insurance professionals to connect with digital knowledge, ultimately improving their operational effectiveness and decision-making processes.

Founded in 2012, Opendorse is a technology company specializing in athlete endorsement management. It operates a SaaS-enabled marketplace, connecting over 100,000 athletes with sports organizations and supporters to facilitate endorsements. The platform helps athletes understand, build, and monetize their name, image, and likeness (NIL) value. Opendorse partners with major sports organizations such as the USOPC, NFLPA, MLBPA, NBPA, NHLPA, PGA TOUR, LPGA, and over 100 NCAA athletic departments.

Agrible, Inc. is an agriculture technology company based in Champaign, Illinois, established in 2007 by a group of researchers from the University of Illinois. The company specializes in developing software solutions aimed at enhancing operational efficiency for growers across the globe. Its flagship product, Morning Farm Report, provides comprehensive field-level forecasts and data, including yield predictions, nutrient availability, and weather conditions. Additional tools include Find My Seed, which helps users choose seeds based on various criteria, and Pocket Rain Gauge, which offers localized rainfall measurements. Agrible also provides Pocket Spray Smart, an application that informs users about field-specific spraying conditions, and Pocket Drone Control, which assists in crop damage assessments through aerial imagery. The company's innovative and user-friendly products cater to a diverse clientele, including independent growers, major food brands, crop consultants, and agricultural retailers, enabling them to make informed decisions and improve production sustainably.

Site 1001, Inc. is a cloud-based software developer that specializes in building performance and operations through its Skylight platform. Founded in 2016 and headquartered in Kansas City, Missouri, the company offers a Software-as-a-Service solution that integrates core building information, live systems, sensors, and user-generated data with artificial intelligence and machine learning technologies. This innovative platform enhances the management of assets, documents, inventory, work orders, and maintenance schedules while providing security, alerts, reporting, and other functionalities. Site 1001's Skylight platform is utilized by a diverse range of sectors, including casinos, commercial offices, hospitality facilities, and smart cities, aiming to optimize building efficiency, reduce operational costs, and improve the overall experience for occupants.

Inprentus, Inc. is a nanotechnology company based in Champaign, Illinois, specializing in the design and manufacture of ultra-high precision diffraction gratings. Founded in 2012, the company produces X-ray and extreme ultraviolet (EUV) gratings that are utilized in synchrotron radiation facilities for applications in chemical analysis, imaging, and various research sectors, including photovoltaics, catalysis, and structural biology. Inprentus has developed an innovative manufacturing method for mechanically ruled blazed diffraction gratings, achieving high resolving power with minimal blaze angles. Their products serve a wide range of industries, including semiconductor manufacturing, optical data communication, and advanced laser applications, enabling enhanced capabilities in spectrometers, monochromators, and laser instrumentation.

EyeVerify Inc. is a biometric technology company based in Kansas City, Missouri, founded in 2012. It specializes in eye-based biometric solutions for mobile devices, offering its primary product, EyePrint ID. This patented authentication solution utilizes existing smartphone cameras to capture and analyze the unique patterns of blood vessels in the eye, providing a secure and password-free mobile experience. EyePrint ID is designed to enhance data security with an encryption key equivalent to a complex 50-character password, making it suitable for use on both iOS and Android platforms. The company primarily serves businesses looking to secure customer data through its innovative biometric verification technology. As of September 2016, EyeVerify operates as a subsidiary of Ant Financial Services Group.

Site 1001, Inc. is a cloud-based software developer that specializes in building performance and operations through its Skylight platform. Founded in 2016 and headquartered in Kansas City, Missouri, the company offers a Software-as-a-Service solution that integrates core building information, live systems, sensors, and user-generated data with artificial intelligence and machine learning technologies. This innovative platform enhances the management of assets, documents, inventory, work orders, and maintenance schedules while providing security, alerts, reporting, and other functionalities. Site 1001's Skylight platform is utilized by a diverse range of sectors, including casinos, commercial offices, hospitality facilities, and smart cities, aiming to optimize building efficiency, reduce operational costs, and improve the overall experience for occupants.

RiskGenius is a developer of a policy review platform that utilizes artificial intelligence and machine learning to enhance the efficiency of insurance professionals. The platform is designed to streamline the work of underwriters, brokers, and regulators by interpreting, organizing, and standardizing policy language. Through its custom algorithms and workflow modules, RiskGenius enables its customers to gain a better understanding of policy language, thereby facilitating more efficient underwriting workflows. The company's focus on true policy automation allows insurance professionals to connect with digital knowledge, ultimately improving their operational effectiveness and decision-making processes.

Rentable is an internet company founded in 2011 and based in Madison, Wisconsin, that focuses on enhancing the apartment rental search experience. The company offers a web-based platform that features localized flat listings, search aids, and map-based searches. Its intuitive user design and robust search functionality allow users to browse apartment listings easily and calculate rent affordability. By leveraging modern technology, Rentable aims to streamline the process of finding suitable rental properties, catering to the needs of rent seekers looking for a more efficient way to search for apartments.

RiskGenius is a developer of a policy review platform that utilizes artificial intelligence and machine learning to enhance the efficiency of insurance professionals. The platform is designed to streamline the work of underwriters, brokers, and regulators by interpreting, organizing, and standardizing policy language. Through its custom algorithms and workflow modules, RiskGenius enables its customers to gain a better understanding of policy language, thereby facilitating more efficient underwriting workflows. The company's focus on true policy automation allows insurance professionals to connect with digital knowledge, ultimately improving their operational effectiveness and decision-making processes.

Agrible, Inc. is an agriculture technology company based in Champaign, Illinois, established in 2007 by a group of researchers from the University of Illinois. The company specializes in developing software solutions aimed at enhancing operational efficiency for growers across the globe. Its flagship product, Morning Farm Report, provides comprehensive field-level forecasts and data, including yield predictions, nutrient availability, and weather conditions. Additional tools include Find My Seed, which helps users choose seeds based on various criteria, and Pocket Rain Gauge, which offers localized rainfall measurements. Agrible also provides Pocket Spray Smart, an application that informs users about field-specific spraying conditions, and Pocket Drone Control, which assists in crop damage assessments through aerial imagery. The company's innovative and user-friendly products cater to a diverse clientele, including independent growers, major food brands, crop consultants, and agricultural retailers, enabling them to make informed decisions and improve production sustainably.

Bulu Inc., established in 2012 and headquartered in Lincoln, Nebraska, operates as a subscription box company specializing in private label boxes for retail brands. Its primary offering is Bulu Box, a B2C discovery e-commerce platform allowing consumers to sample vitamins, supplements, and healthy snacks while providing valuable data insights back to brands. Additionally, Bulu provides third-party logistics services, transitioning consumer packaged goods (CPG) brands from traditional linear fulfillment to hybrid hub-and-spoke logistics models, enhancing efficiency, scalability, and convenience at competitive rates.

Innara Health, Inc. is a company focused on developing innovative neonatal care technologies aimed at improving the health and development of preterm and full-term infants, as well as children with developmental needs. The company is best known for its NTrainer System, a medical device designed to assist with the feeding of premature infants by promoting non-nutritive sucking skills and enhancing feeding outcomes. This device plays a crucial role in developmental feeding programs, allowing infants to engage in early and frequent nipping opportunities that help coordinate their suck, swallow, and breathe functions. Innara Health serves a wide range of stakeholders, including hospitals, neonatal intensive care units, clinicians, infants, children, and their families, with the goal of improving the quality of life for these vulnerable populations. Founded in 2006 and based in Olathe, Kansas, the company was previously known as KCBioMedix, Inc. before rebranding in 2013.

Founded in 2012, Opendorse is a technology company specializing in athlete endorsement management. It operates a SaaS-enabled marketplace, connecting over 100,000 athletes with sports organizations and supporters to facilitate endorsements. The platform helps athletes understand, build, and monetize their name, image, and likeness (NIL) value. Opendorse partners with major sports organizations such as the USOPC, NFLPA, MLBPA, NBPA, NHLPA, PGA TOUR, LPGA, and over 100 NCAA athletic departments.

Bulu Inc., established in 2012 and headquartered in Lincoln, Nebraska, operates as a subscription box company specializing in private label boxes for retail brands. Its primary offering is Bulu Box, a B2C discovery e-commerce platform allowing consumers to sample vitamins, supplements, and healthy snacks while providing valuable data insights back to brands. Additionally, Bulu provides third-party logistics services, transitioning consumer packaged goods (CPG) brands from traditional linear fulfillment to hybrid hub-and-spoke logistics models, enhancing efficiency, scalability, and convenience at competitive rates.