Credit services organization in Alabama

TitleMax Title Loans is a finance institution located at 1235 Beltline Road Southwest in Decatur, Alabama, United States. At TitleMax, we offer title loans and title pawns, using your vehicle title as collateral to secure the loan. We accept most credit types, so don't worry if you have less than perfect credit. We also offer motorcycle title pawns, using your motorcycle as collateral to get you the cash you need quickly and easily. Our maximum pledge amount in Mississippi is $2,500, and the maximum loan amount in Tennessee is $6,500. Refinancing is not available in Nevada, Mississippi, or Tennessee. We also offer personal unsecured loans and lines of credit, with varying maximum amounts depending on the state. In-store and online applications are available, with certain eligibility requirements to be met.

TitleMax Title Loans is a finance institution located at 1129 South Jefferson Street in Athens, Alabama, United States. They offer title loans and title pawns using your vehicle title as collateral, making it easy for most credit types to be accepted. Motorcycle title pawns are also available, using your motorcycle as collateral to get you the cash you need. With maximum pledge amounts and loan amounts varying by state, TitleMax also offers personal unsecured loans and lines of credit. In-store and online application options are available, with funds distributed via ACH to the borrower's debit card, Dash Prepaid Card, or MoneyGram. TitleMax does not originate new loans in California, Illinois, or Virginia, but continues to service existing loans. Residents of South Carolina, Nevada, and other states should review specific consumer information and disclosures before applying for a loan. TitleMax of Texas acts as a Credit Services Organization to assist customers in obtaining loans through third-party lenders. Please visit a store associate for more details on loan options and requirements.

TitleMax Title Loans, located at 986 Forestdale Boulevard in Forestdale, Alabama, offers a variety of financial services including title loans and title pawns. Using your vehicle title as collateral, TitleMax can help secure a pawn even if you have poor credit. Motorcycle title pawns are also available, providing a quick and simple way to get the cash you need. With maximum pledge amounts varying by state, TitleMax strives to meet the financial needs of customers in Mississippi, Tennessee, South Carolina, and beyond. In addition to title-secured loans, TitleMax offers personal unsecured loans and lines of credit, with eligibility requirements such as a credit inquiry and proof of income. Funds are distributed via ACH to the borrower's debit card or prepaid card. TitleMax does not originate new loans in California, Illinois, or Virginia, but continues to service existing loans. For residents of South Carolina, Nevada, and other states, TitleMax provides important consumer information and disclosures. Customers in Texas can utilize TitleMax as a Credit Services Organization to obtain a loan through a third-party lender. Visit TitleMax Title Loans in Forestdale for more information on their financial services.

TitleMax Title Loans, located at 2012 Bessemer Road in Birmingham, Alabama, offers quick and simple ways to get the money you need using your vehicle as collateral. Just like a title loan, a title pawn uses your vehicle title as security, making it easier to qualify regardless of your credit type. Motorcycle title pawns are also available, using your motorcycle as collateral to secure the cash you need. With maximum pledge amounts in Mississippi and loan amounts in Tennessee, TitleMax provides various financial solutions to meet your needs. Whether you're looking for a title-secured loan, a personal unsecured loan, or a line of credit, TitleMax has options for you. Residents of California, Illinois, and Virginia can still service existing loans, while Idaho residents can apply for an online personal line of credit. South Carolina residents can find specific information and disclosures, while Nevada customers should use title loans for short-term financial needs only. TitleMax also operates in Texas, acting as a Credit Services Organization to assist customers in obtaining loans through third-party lenders. Visit TitleMax Title Loans for more information on their financial services.

TitleMax Title Loans, located at 3051 U.S. 31 in Pelham, Alabama, is a finance institution that offers title-secured loans, secured lines of credit, and title pawns using your vehicle as collateral. They accept most credit types and provide quick and simple ways to get the money you need. In addition to car title pawns, they also offer motorcycle title pawns. TitleMax has maximum pledge and loan amounts depending on the state, with different requirements for each type of loan. They also offer personal unsecured loans and lines of credit, with varying maximum amounts for new customers. Funds are distributed via ACH to the borrower's debit card, Dash Prepaid Card, or MoneyGram. TitleMax does not originate new loans in California, Illinois, or Virginia, but continues to service existing loans. They offer an online personal line of credit in Idaho and have specific requirements and disclosures for residents in South Carolina, Nevada, and other states. In Texas, TitleMax acts as a Credit Services Organization to assist customers in obtaining a loan through a third-party lender. Please see a store associate for more details.

TitleMax Title Loans is a finance institution located at 1630 Montgomery Highway in Hoover, Alabama, United States. We offer title loans and title pawns, using your vehicle title as collateral to secure the loan. Most credit types are accepted, making it easy for you to get the money you need. Motorcycle title pawns are also available, using your motorcycle as collateral. Our maximum pledge amount in Mississippi is $2,500 and in Tennessee is $6,500. We also offer personal unsecured loans and lines of credit, with varying maximum amounts depending on your state. Account approval requires meeting eligibility requirements, including a credit check. Funds are distributed via ACH to your debit card, Dash Prepaid Card, or MoneyGram. We do not originate new loans in California, Illinois, or Virginia, but continue to service existing loans. In Idaho, we only offer an online personal line of credit. Residents of Nevada and Tennessee have specific guidelines for title loans and lines of credit. TitleMax of Texas acts as a Credit Services Organization to assist customers in obtaining loans through third-party lenders. Visit us for more information on our services and eligibility requirements.

TitleMax Title Loans is a finance institution located at 935 1st Street North, Alabaster, Alabama, United States. They offer title loans and title pawns, using your vehicle title as collateral. Most credit types are accepted, making it a quick and simple way to get the money you need. Motorcycle title pawns are also available, using your motorcycle as collateral. They offer various loan options, including title-secured loans, secured LOCs, and title pawns, with maximum amounts varying by state. Personal unsecured loans and LOCs are also available, with different maximum amounts for new customers. Funds can be distributed via ACH to the borrower's debit card, Dash Prepaid Card, or MoneyGram. TitleMax no longer originates new loans in California, Illinois, or Virginia, but continues to service existing loans. In Idaho, only online personal lines of credit are offered. Customers in Nevada should use title loans and high interest loans for short-term financial needs only. South Carolina residents and New Mexico consumers have specific information and disclosures to review. TitleMax of Texas acts as a Credit Services Organization to assist customers in obtaining a loan through an unaffiliated third-party lender. Please see store associate for more details on specific products and services offered.

TitleBucks Title Pawns is a finance institution located at 939 Forestdale Boulevard in Forestdale, Alabama, United States. They offer Title-Secured Loans, Secured LOCs, and Title Pawns with a maximum loan amount of $6,500 in Tennessee and a minimum loan amount of $601 in South Carolina. TitleBucks provides title pledges, secured and unsecured Lines of Credit in Tennessee, with only one LOC account allowed per customer. South Carolina residents are advised to refer to the South Carolina Consumer Information and Disclosures. TitleBucks does not offer pawn loans or transactions in Texas. TitleMax of Texas, Inc. and TitleMax Online of Texas, Inc. act as Credit Services Organizations to assist customers in obtaining loans through third-party lenders. Customers can visit a store associate for more details on their services. TitleBucks, TitleMax, and InstaLoan are not considered competitors.

TitleMax Title Loans is a finance institution located at 1402 2nd Avenue Southwest in Cullman, Alabama, United States. They offer title loans and title pawns, using your vehicle title as collateral. Most credit types are accepted, making it a quick and simple way to get the money you need. Motorcycle title pawns are also available, using your motorcycle as collateral. They have various loan options available, with maximum pledge amounts and loan amounts varying by state. In-person and online applications are accepted, with certain eligibility requirements such as proof of income and a valid ID. Funds are distributed via ACH to the borrower’s debit card or prepaid card. TitleMax does not originate new loans in California, Illinois, or Virginia, but continues to service existing loans. They also offer personal lines of credit in Idaho and have specific information and disclosures for residents of New Mexico and South Carolina. Customers in Nevada and Tennessee have specific guidelines for title loans and lines of credit. In Texas, TitleMax acts as a Credit Services Organization to assist customers in obtaining a loan through a third-party lender. TitleMax, TitleBucks, and InstaLoan are not considered competitors, and customers can visit a store associate for more details.

TitleMax Title Loans is a finance institution located at 1005 Decatur Highway in Gardendale, Alabama, United States. Specializing in title loans and title pawns, TitleMax allows customers to use their vehicle title as collateral to secure a loan. Most credit types are accepted, making it a convenient option for those in need of quick cash. In addition to car title pawns, TitleMax also offers motorcycle title pawns for those looking to use their motorcycle as collateral. With maximum pledge amounts varying by state, customers can receive the cash they need quickly and easily. TitleMax also offers personal unsecured loans and lines of credit, with varying maximum loan amounts based on state regulations. Customers can apply in-store or online, with funds distributed via ACH to a debit card, Dash Prepaid Card, or MoneyGram. TitleMax does not originate new loans in California, Illinois, or Virginia, but continues to service existing loans. Residents of Idaho can only apply for an online personal line of credit. Customers in Nevada and Tennessee are subject to specific regulations regarding title loans and lines of credit. TitleMax of Texas acts as a Credit Services Organization to assist customers in obtaining loans through third-party lenders. With a focus on customer service and convenience, TitleMax Title Loans is a trusted option for those in need of financial assistance.

TitleMax Title Loans is a finance institution located at 2380 Center Point Parkway in Birmingham, Alabama, United States. They offer title loans, title pawns, and personal unsecured loans/LOCs using your vehicle or motorcycle as collateral. With most credit types accepted, TitleMax provides a quick and simple way to get the money you need. They have maximum pledge amounts in different states, and offer various loan options to suit your financial needs. Funds can be distributed via ACH to your debit card, Dash Prepaid Card, or MoneyGram. TitleMax no longer originates new loans in California, Illinois, or Virginia, but continues to service existing loans. Customers in Nevada should use title loans for short-term financial needs only. In Tennessee, TitleMax offers title pledges, and secured and unsecured Lines of Credit. TitleMax of Texas acts as Credit Services Organizations to assist customers in obtaining a loan through an unaffiliated third-party lender. Visit TitleMax Title Loans for more information on their services and loan options.

TitleMax Title Loans, located at 8591 Madison Boulevard in Madison, Alabama, is a finance institution that specializes in providing quick and simple loans using your vehicle title as collateral. They offer title-secured loans, secured lines of credit, and title pawns with maximum pledge amounts varying by state. Whether you need cash for emergencies or unexpected expenses, TitleMax can help secure the funds you need, regardless of your credit type. They also offer personal unsecured loans and lines of credit, with different maximum amounts available depending on your state of residence. TitleMax strives to make the loan process as easy as possible, requiring only a few documents such as a valid government-issued ID and bank account details. Customers can choose to receive funds via ACH to their debit card, Dash Prepaid Card, or MoneyGram. While TitleMax no longer originates new loans in California, Illinois, or Virginia, they continue to service existing loans. In Nevada, title loans and high-interest loans are intended for short-term financial needs, and customers with credit difficulties are encouraged to seek credit counseling. TitleMax also offers title pawns, secured and unsecured lines of credit in Tennessee, with certain restrictions and requirements. In Texas, TitleMax acts as a Credit Services Organization to assist customers in obtaining loans through third-party lenders. Overall, TitleMax provides a variety of loan options to help individuals get the financial assistance they need.

TitleMax Title Loans is a finance institution located at 6912 1st Avenue North in Birmingham, Alabama, United States. They offer title loans and title pawns, using your vehicle title as collateral. Most credit types are accepted, making it easy to secure a pawn with your vehicle. Motorcycle title pawns are also available, providing a quick and simple way to get the cash you need. TitleMax offers various loan products with maximum amounts depending on the state, and they also provide personal unsecured loans and lines of credit. Funds can be distributed via ACH to a debit card, Dash Prepaid Card, or MoneyGram. Residents of California, Illinois, and Virginia can still service existing loans with TitleMax. In Idaho, only online personal lines of credit are available. Customers in Nevada should use title loans and high-interest loans for short-term financial needs only. South Carolina residents can find specific consumer information and disclosures, and Tennessee residents can access title pledges and lines of credit. TitleMax in Texas acts as a Credit Services Organization to assist customers in obtaining loans through third-party lenders. Please visit a store associate for more details on their services.

TitleMax Title Loans is a finance institution located at 7712 Crestwood Boulevard in Birmingham, Alabama, United States. They offer title loans, title pawns, secured lines of credit, and personal unsecured loans to help customers get the money they need using their vehicle as collateral. With most credit types accepted, TitleMax makes it easy to secure a loan or pawn using your vehicle title. They also offer motorcycle title pawns for those in need of quick cash. Customers can visit TitleMax in person or apply online, with funds distributed via ACH to a debit card, Dash Prepaid Card, or MoneyGram where available. TitleMax services existing loans in California, Illinois, and Virginia, while offering online personal lines of credit in Idaho. Customers in Nevada and Tennessee have access to title pledges and secured and unsecured lines of credit. TitleMax of Texas acts as a Credit Services Organization to help customers obtain loans through third-party lenders. With a focus on short-term financial needs and responsible borrowing, TitleMax is a trusted source for financial assistance.

TitleMax Title Loans in Huntsville, Alabama, located at 2705 University Drive, offers a variety of financial services including title loans and title pawns. Using your vehicle title as collateral, TitleMax can help secure the funds you need, regardless of your credit type. Whether you need a car title pawn or a motorcycle title pawn, TitleMax can provide a quick and simple solution to get you the cash you need. With maximum pledge amounts varying by state, TitleMax also offers personal unsecured loans and lines of credit. Funds can be distributed via ACH to a debit card, Dash Prepaid Card, or MoneyGram. TitleMax does not originate new loans in California, Illinois, or Virginia, but continues to service existing loans. In Idaho, TitleMax offers online personal lines of credit. Customers in Nevada should use title loans and high-interest loans for short-term financial needs only. South Carolina residents and New Mexico consumers should refer to specific consumer information and disclosures. TitleMax of Texas acts as a Credit Services Organization to assist customers in obtaining loans through third-party lenders. Visit TitleMax Title Loans in Huntsville for more information on their services.

TitleMax Title Loans, located at 3000 Memorial Parkway Northwest in Huntsville, Alabama, offers a variety of financial services including title loans and title pawns. With a quick and simple process, customers can use their vehicle as collateral to secure the money they need. Most credit types are accepted, making it accessible to a wide range of individuals. Whether you have a car or motorcycle, TitleMax can help you get the cash you need. They also offer personal unsecured loans and lines of credit, with varying amounts available depending on the state. With a focus on customer satisfaction and convenience, TitleMax provides funds via ACH to the borrower's debit card, Dash Prepaid Card, or MoneyGram where available. Residents of California, Illinois, and Virginia can continue to service existing loans, while in Idaho, only online personal lines of credit are offered. Customers in Nevada and Tennessee have specific guidelines to follow, and in Texas, TitleMax acts as a Credit Services Organization to assist customers in obtaining a loan through a third-party lender. With a commitment to transparency and customer service, TitleMax is a trusted institution for those in need of financial assistance.

TitleMax Title Pawns is a finance institution located at 7835 Moffett Road in Semmes, Alabama, United States. They offer title pawns using your vehicle title as collateral, making it a quick and simple way to get the money you need. Most credit types are accepted, as your vehicle title helps secure the pawn. Motorcycle title pawns are also available, using your motorcycle as collateral. Maximum pledge amounts and loan amounts vary by state, and refinancing options may be limited in certain states. Personal unsecured loans and lines of credit are also offered, with varying maximum amounts depending on the state. Funds can be distributed via ACH to a debit card, Dash Prepaid Card, or MoneyGram. TitleMax does not originate new loans in California, Illinois, or Virginia, but continues to service existing loans. In Idaho, only online personal lines of credit are offered. Customers in Nevada should use title loans and high interest loans for short-term financial needs only. South Carolina residents and New Mexico consumers have specific information and disclosures to review. TitleMax operates in Texas as a Credit Services Organization, assisting customers in obtaining loans through third-party lenders. Please see a store associate for more details on specific products and services offered.

TitleMax Title Loans is a finance institution located at 315 U.S. 43 in Saraland, Alabama, United States. At TitleMax, we offer title loans and title pawns using your vehicle title as collateral. We accept most credit types and perform a credit check to secure your pawn. Motorcycle title pawns are also available, using your motorcycle as collateral to provide you with the cash you need. With maximum pledge amounts in Mississippi and Tennessee, as well as personal unsecured loans and lines of credit available, we strive to meet your financial needs. In addition, we offer online and in-store application options with various eligibility requirements. Funds are distributed via ACH to your debit card or prepaid card. Please note that TitleMax no longer originates new loans in California, Illinois, or Virginia, but continues to service existing loans. For residents of Idaho, we offer online personal lines of credit only. Customers in Nevada should use title loans for short-term financial needs and seek credit counseling for credit difficulties. TitleMax of Texas acts as a Credit Services Organization to assist customers in obtaining loans through third-party lenders. Visit us at TitleMax Title Loans for more information and assistance with your financial needs.

TitleMax Title Loans is a finance institution located at 3117 Moffett Road, Mobile, Alabama, United States. They offer title loans and title pawns, using your vehicle title as collateral. Most credit types are accepted, making it easy to secure a loan. Motorcycle title pawns are also available, providing quick access to cash by using your motorcycle as collateral. They offer various loan options such as title-secured loans, Secured LOCs, and personal unsecured loans/LOCs. Customers can apply in-store or online, with funds distributed via ACH to their debit card or prepaid card. TitleMax does not originate new loans in California, Illinois, or Virginia, but continues to service existing loans. In Idaho, only online personal lines of credit are available. South Carolina residents and Nevada customers should review specific information and disclosures before applying. TitleMax of Texas acts as a Credit Services Organization to assist customers in obtaining loans through third-party lenders. Please visit a store associate for more details on loan options and requirements.

TitleMax Title Loans in Chickasaw, Alabama offers a variety of financial services, including title loans and title pawns using your vehicle as collateral. With a quick and simple process, most credit types are accepted, making it easy to get the cash you need. Motorcycle title pawns are also available, using your motorcycle as collateral. Maximum loan amounts and products vary by state, with options such as title-secured loans, secured lines of credit, and personal unsecured loans. Funds are distributed via ACH to the borrower's debit card or prepaid card. TitleMax does not originate new loans in California, Illinois, or Virginia, but continues to service existing loans. South Carolina residents and Nevada customers should review specific information and disclosures. In Tennessee, TitleMax offers title pledges and lines of credit. In Texas, TitleMax acts as a Credit Services Organization to assist customers in obtaining loans through third-party lenders. Visit TitleMax Title Loans for all your financial needs.

Carol E Douglass Inc is a multi-faceted institution located at 6612 Three Notch Road in Mobile, Alabama. Specializing in accounting and finance services, as well as offering a wide range of home goods for sale, this institution is a one-stop shop for all your financial and household needs. Whether you're looking to balance your books or spruce up your living space, Carol E Douglass Inc has you covered. Visit us today to experience top-notch customer service and expert advice from our knowledgeable staff.

First Command is a finance institution located at 2700 Corporate Drive in Birmingham, Alabama, United States. They specialize in providing financial advice to military personnel, veterans, and their families. The institution offers resources for those going through Permanent Change of Station (PCS) and aims to help military families become financially disciplined and confident. They are recognized as a Military Friendly® Brand and offer services to active duty military and their immediate family members. First Command is actively seeking Financial Advisors with military experience or connections to join their team in various locations, including their Home Office in Fort Worth, Texas. They support causes that matter to military families and partner with organizations that contribute to their well-being. Securities offered by First Command are not FDIC insured and may lose value, and a financial plan alone cannot guarantee meeting retirement or financial goals.

TitleMax Title Loans, located at 1016 Highland Avenue in Selma, Alabama, is a finance institution that offers title loans and title pawns using your vehicle as collateral. They accept most credit types and provide quick and simple ways to get the money you need. Whether you have a car or motorcycle, TitleMax can help you secure a pawn using your vehicle as collateral. They offer various loan options, including title-secured loans, secured lines of credit, and title pawns, with maximum amounts varying by state. TitleMax also provides personal unsecured loans and lines of credit, with different maximum amounts for new and return customers. Customers can apply in-store or online, with funds distributed via ACH to a debit card or prepaid card. TitleMax does not originate new loans in California, Illinois, or Virginia, but continues to service existing loans. They also offer online personal lines of credit in Idaho and provide important consumer information and disclosures for residents in New Mexico and South Carolina. In Nevada and Tennessee, TitleMax offers title pledges and lines of credit, with certain restrictions and requirements. TitleMax of Texas acts as a Credit Services Organization to assist customers in obtaining loans through third-party lenders, with specific fees and requirements in Texas. Overall, TitleMax offers a variety of loan options and financial solutions for customers in need of quick cash.

TitleBucks Title Pawns is a finance institution located at 1618 Broad Street in Selma, Alabama, United States. They offer title-secured loans, secured lines of credit, and title pawns to customers in Tennessee and South Carolina. The maximum loan amount in Tennessee is $6,500, while the minimum loan amount in South Carolina is $601. TitleBucks also offers title pledges and secured and unsecured lines of credit in Tennessee. Customers in South Carolina are subject to specific consumer information and disclosures. TitleBucks acts as a Credit Services Organization in Texas to assist customers in obtaining loans through third-party lenders. They do not offer pawn loans in Texas. TitleBucks, TitleMax, and InstaLoan are not considered competitors. Visit a store associate for more information.

TitleMax Title Loans, located at 620 Schillinger Road South in Mobile, Alabama, is a finance institution that offers title pawns using your vehicle title as collateral. They accept most credit types and provide quick and simple ways to get the money you need. Whether you need a car title pawn or a motorcycle title pawn, TitleMax can help secure the cash you need. With maximum pledge amounts and loan amounts varying by state, TitleMax also offers personal unsecured loans and lines of credit. They distribute funds via ACH to debit cards, Dash Prepaid Cards, or MoneyGram. TitleMax does not originate new loans in California, Illinois, or Virginia but continues to service existing loans. In Nevada, title loans and high-interest loans are recommended for short-term financial needs only. Customers in Texas can utilize TitleMax as a Credit Services Organization to obtain loans through third-party lenders. Visit TitleMax Title Loans for more information on their services and offerings.

TitleMax Title Loans, located at 3710 Airport Boulevard in Mobile, Alabama, offers a variety of financial services including title-secured loans, secured lines of credit, and title pawns. With most credit types accepted, customers can use their vehicle title as collateral to secure a loan or pawn. Motorcycle title pawns are also available for those in need of quick cash using their motorcycle as collateral. Maximum loan amounts and eligibility requirements vary by state, so customers should check with their local TitleMax location for specific details. In addition to in-store applications, online options are available for those who meet certain criteria. TitleMax does not offer new loans in California, Illinois, or Virginia, but continues to service existing loans. Customers in Nevada should use title loans and high interest loans for short-term financial needs only and seek credit counseling if needed. TitleMax operates as a Credit Services Organization in Texas, assisting customers in obtaining loans through third-party lenders. For more information on products and services offered, customers can speak with a store associate at their nearest TitleMax location.

Brooks Office Solutions is a finance institution located at 880 Wasden Road in Hope Hull, Alabama, United States. We specialize in providing comprehensive financial solutions to individuals and businesses in the area. Our team of experienced professionals is dedicated to helping our clients achieve their financial goals and secure their financial future. Whether you need assistance with budgeting, investments, loans, or any other financial matter, Brooks Office Solutions is here to help. Contact us today to schedule a consultation and see how we can assist you with your financial needs.

Located at 2 20th Street North in Birmingham, Alabama, TheraNest is an institution dedicated to helping improve outcomes, increase satisfaction, and lower costs through purpose-built software and services. With TheraNest, you can easily streamline and manage your practice, allowing you to focus on those who need you most. Whether you have a small practice or a large organization, TheraNest has the tools to meet your needs. Getting started is easy, with a free 21-day trial and no credit card required. Schedule a call with our sales team to learn how TheraNest can benefit your practice today.

Cadence Bank is a full-service financial institution located at 4680 U.S. 280 in Birmingham, Alabama. As a trusted bank in the community, Cadence Bank offers a wide range of banking and financial services to meet the needs of individuals, businesses, and organizations. Whether you need to deposit funds, withdraw cash, apply for a loan, or seek financial advice, Cadence Bank's knowledgeable staff is dedicated to providing exceptional customer service. With convenient ATM locations and online banking options, Cadence Bank makes managing your finances easy and convenient. Visit Cadence Bank today to experience personalized banking solutions tailored to your needs.

World Finance is a leading financial institution located at 4327 Atlanta Highway in Montgomery, Alabama, United States. As a reputable finance company, we offer a wide range of financial services to individuals and businesses, including personal loans, tax preparation, and money management solutions. Our experienced team of professionals is dedicated to providing top-notch customer service and helping our clients achieve their financial goals. Visit us today to learn more about how World Finance can assist you with your financial needs.