Oct 31, 2023 · Postbank: Postbank is a well-established German bank providing a wide range of retail banking services, from savings accounts to loans, with a strong network of branches. DKB (Deutsche Kreditbank AG): DKB is an online bank in Germany known for its free checking accounts and low-cost banking services, ideal for tech-savvy customers.Melde dich in der DKB-App an. Öffne die DKB-App und melde dich mit deinen bekannten Zugangsdaten an. Bestätige die Anmeldung mit dem Code, den du per SMS erhältst. Fertig! Tipp: Wenn du deinen Anmeldenamen vergessen hast, findest du in den häufigen Fragen Hilfe.Solution. Simply call the DKB. The DKB is available via phone at all times. Explain your situation and ask it to raise the daily limit in order for you to ...A step by step guide to open a DKB account with Screenshots and English Translation is provided here. Go to the website DKB website here and click on the button at the bottom of the page which reads “Jetzt DKB-Cash eröffnen” (Open DKB-cash Now) to open the online application form. Fill the application form online using the below information.DKB Bank referral code sharing tips! 1) Sign-up with a DKB referral code 2) Share your own DKB referral link here. You can also share all your other refer-a-friend links in your free page. 3) Get more rewards by using the Referral Codes Reminder extension from the Chrome Web Store 4) Let us know how you get on in our lively message forums. Ausgangslage: -Relativ neues Konto bei der DKB. -Gescheiterter Versuch mit der Debitkarte bei Lieferando zu bestellen. -Gescheiterter Versuch Geld per Debitkarte bei TradeRepublic einzuzahlen, unter Angabe meines Vor- und Zunamens wie auf der Debitkarte vermerkt. -> In der App -> Kartenkontrolle -> Freigabe von Online-Zahlungen - Zur Zeit nicht ... Batman with Batarang figural bank. When not terrorising the criminals of Gothman City, the Batman will keep your coins safe!About 8 inches tall.Kostenloses DKB-Konto eröffnen https://goo.gl/y7DgTGDas Wichtigste zum DKB Girokonto, Visa Card, Bargeld und Kontoeröffnung allgemein https://www.deutsch...IBAN for DKB AG in Germany consists of 22 characters: 2 letter country code. 2 digit check number. 8 digits for the DKB AG bank code (BLZ code) 10 digit code for the DKB AG bank … Danske Bank A/S, Holmens Kanal 2-12, 1092 København K. Tlf. (+45) 70 123 456, Kontakt os, CVR-nr. 61126228, SWIFT: DABADKKK Telefonsamtaler kan blive optaget og gemt til brug for dokumentation og sikkerhed. Mobile banking that makes life easy.Deutsche Kreditbank AG – DKB · Banking mit gutem Gewissen – und nachhaltig guten Konditionen für Konto, Kredit und Geldanlagen · #geldverbesserer · #NEUWÄRTS.SWIFT / BIC code DKB FINANCIAL PRODUCTS (UK) LTD for money transfer purposes between banks of different countries. Download the Transfez app now!Danske Bank A/S, Holmens Kanal 2-12, 1092 København K. Tlf. (+45) 70 123 456, Kontakt os, CVR-nr. 61126228, SWIFT: DABADKKK Telefonsamtaler kan blive optaget og gemt til brug for dokumentation og sikkerhed. Danske Bank forbeholder sig alle rettigheder. Danske Bank A/S er under tilsyn af Finanstilsynet.Du benötigst die DKB-App (blaues Icon). Jetzt anmelden & entdecken Anmeldung zum Internet-Banking. Anmeldename Passwort . Passwort vergessen. Nicht vergessen: Smartphone oder TAN-Generator bereitlegen. Tipp: Dein Anmeldename setzt sich meist aus den letzten 10 IBAN-Stellen und einem Zusatz (_p oder _c) zusammen, z.B. 1234567890_p.Jan 17, 2024 · These banks let you withdraw money from any ATM without paying fees. This is very convenient. bunq – 4 to 5 free withdrawals per month. 33 You can only withdraw 250 € per day in the first 3 months, and 500 € per day after 3 months. 34. comdirect – 3 free withdrawals per month. All bank transfers within the EURO-zone will be free of charge at the DKB. If you use the bank account as a salary account, at the DKB you will get an overdraft credit granted very easily. The limit of credit is a maximum of three times the amount of the monthly salary payment. The credit interest is relatively low in Germany. Deutsche Kreditbank (DKB) is the second-largest direct bank in Germany with 4.5 million customers, fully owned by Bayerische Landesbank. [1] [2] [3] In 2018 the company, with its parent company BayernLB , ranked 7th on the list of the biggest banks in Germany . Are you in search of the nearest Eastern Bank in your area? Look no further. In this comprehensive guide, we will provide you with all the information you need to find an Eastern B...Digitale Bank · Partner · Auszeichnungen · Public Affairs. Zahlen & Fakten. Zahlen & Fakten · Berichte. Sponsoring. Sport · Digitale Kuns...Dein neues Banking. Kurz den Kontostand checken, schnell eine Überweisung tätigen oder Karten verwalten: Entdecke dein neues Banking! Gut zu wissen: Du benötigst die DKB-App (blaues Icon). Jetzt anmelden & entdecken Anmeldung zum Internet-Banking. Anmeldename Passwort . Passwort vergessen. The Dai-ichi Kangyo Bank, Limited [1], abbreviated as DKB (第一勧銀, Dai'ichi Kangin), was one of the largest banks in the world during the latter half of the 20th century. [2] Dai-Ichi Kangyo Bank was created in 1971 by a consortium of two banks: Dai-Ichi Bank, Japan's oldest bank, and Nippon Kangyo Bank, a state financial institution that ... Nov 16, 2016 · DKB Visa Card. DKB Girocard. Withdraw cash at the ATM. worldwide € 50–1,000 per day. all VISA-compatible ATMs within Germany and abroad. Withdraw cash at the supermarket. (e.g. Penny, Rewe) € 20–200 per operation. minimum purchase of € 20 necessary. Withdraw cash “Cash im Shop”.IBAN for DKB AG in Germany consists of 22 characters: 2 letter country code. 2 digit check number. 8 digits for the DKB AG bank code (BLZ code) 10 digit code for the DKB AG bank …DKB isn't really for free any more. The account itself and the VISA debit card is, but the VISA credit card costs 2,50€/month, the Girocard ("EC-Karte" ) 1€/month. They promise the debit card is as good as the credit card, but such cards are often not accepted in Germany. The Giro card ("EC-Karte") is the only card accepted … · Beancount Importers for DKB (Deutsche Kredit Bank) CSV Exports. python personal-finance finance accounting python3 germany beancount banking plaintext-accounting dkb Updated Mar 19, 2024; Python; devfaz / firefly-iii-dkb Star 13. Code Issues Pull requests some small scripts I use to download/import dkb data into firefly-iii ...DKB. Bunq. Consorsbank. German banks are helpful in many situations, from doing money transfers in Germany or within Europe to withdrawing cash abroad. Furthermore, …When it comes to opening a bank account, students look for minimum fees, account flexibility and accessibility. Despite the many available options, not all student bank accounts co...When it comes to opening a bank account, students look for minimum fees, account flexibility and accessibility. Despite the many available options, not all student bank accounts co...Kostenloses DKB-Konto eröffnen https://goo.gl/y7DgTGDas Wichtigste zum DKB Girokonto, Visa Card, Bargeld und Kontoeröffnung allgemein https://www.deutsch...Account: dkb.chLog på. Kundeservice. +45 70 123 456. Kontakt os hele døgnet. På hverdage mellem kl. 21 og 09 samt i weekender og på helligdage mellem kl. 16 og 10 besvarer vi primært henvendelser vedrørende spærring af kort og mistanke om svindel. Se flere kontaktnumre. Find svar. Tjek din saldo.Jan 15, 2013 · DKB does offer some level of “green banking” but Tomorrow Bank is clearly the “bank-with-a-mission“on that front. It’s a B-Corp company after all. It’s a B-Corp company after all. The banking experience matches the leaders on the market but payment with the card is funding climate-related projects around the world.Modern banks use computers for storing financial information and processing transactions. Tellers and other employees also use them to log information. Customers often use computer...Dec 11, 2023 · Der Tagesgeld-Zins der DKB beträgt 3,5 Prozent. Das ist ganz ordentlich, allerdings gibt es laut Daten der FMH-Finanzberatung aktuell 23 Banken, deren Tagesgeldkonto höher verzinst ist, wobei ... Hi, ich schon wieder. Wir haben beide erst ein eigenes Giro bei der DKB eröffnet inkl. Legitimation. Jetzt zwei Wochen später haben wir ein Gemeinschaftskonto eröffnet, allerdings war wieder eine Identifikation nötig. Wenn man im DKB-Banking eingeloggt war, konnte man unter Produkten Gemeinschaftskonto wählen. No one should have to go hungry, and thankfully, there are food banks in almost every city that can help provide meals for those in need. Food banks are organizations that collect ...Sep 14, 2022 · Bis zu deinem 28. Geburtstag ist dein Girokonto (als Erstkonto) auch ohne monatlichen Geldeingang von 700 Euro kostenlos. Ab deinem 28. Geburtstag solltest du für einen monatlichen Geldeingang von mind. 700 Euro sorgen, damit dein Girokonto kostenlos bleibt. Erstkonten, wenn keine der o.g. Bedingungen erfüllt ist: 4,50 Euro im Monat.DKB (Korean: 다크비, pronounced "Darkbe") is a South Korean eight-member boy band under Brave Entertainment.Originally as nine, Teo voluntarily departed from the group on November 6, 2023, after a drink-driving incident. The group made their debut on February 3, 2020, with the release of their extended play Youth, and its lead single "Sorry Mama".2 days ago · Auf diese Entgelte hat die DKB keinen Einfluss, daher erstatten wir sie nicht. Selbstverständlich kannst du den Vorgang auch abbrechen und dich für einen anderen Geldautomaten mit Visa-Logo entscheiden. Die Abhebung an Schaltern einer Bank ist gemäß unserem Preis- und Leistungsverzeichnis Karten immer kostenpflichtig.Bank account opening from abroad. Emigrated German citizens and some foreign citizens, who are proficient in German language, can apply for the DKB-account from abroad. As soon as the application was accepted, you will receive a letter or an E-mail with the legitimacy request. In some countries, the legitimate identification is possible through ...Summary: DKB – Deutsche Kreditbank has been rated best bank in Germany in many leading consumer magazines from Focus Money to Handelsblatt. This comes in as no surprise as DKB really offers outstanding advantages to many …Die 3 wichtigsten Links für Sie DKB-Kontoeröffnung https://goo.gl/y7DgTG Anleitung zur Kontoeröffnung https://www.deutscheskonto.org/de/dkb-konto-eroeffn...A step by step guide to open a DKB account with Screenshots and English Translation is provided here. Go to the website DKB website here and click on the button at the bottom of the page which reads “Jetzt DKB-Cash eröffnen” (Open DKB-cash Now) to open the online application form. Fill the application form online using the below information. All bank transfers within the EURO-zone will be free of charge at the DKB. If you use the bank account as a salary account, at the DKB you will get an overdraft credit granted very easily. The limit of credit is a maximum of three times the amount of the monthly salary payment. The credit interest is relatively low in Germany. Mar 4, 2024 · DKB is one of Germany’s most established online banks, with approximately 4.5 million clients. It is a Germany-wide operating subsidiary of Bavaria’s state bank. Founded in 1990, DKB (“Deutsche Kreditbank”) emerged from East Germany’s state bank and is therefore headquartered in Berlin. It offers one of the most popular and best ... Digitale Bank · Partner · Auszeichnungen · Public Affairs. Zahlen & Fakten. Zahlen & Fakten · Berichte. Sponsoring. Sport · Digitale Kuns...The DKB Group (第一勧銀グループ, Dai'ichi Kangin Gurūpu) or the Dai-Ichi Kangyo Group was the largest Japanese keiretsu in the late 1990s. [1] The group emerged after World War II and …ING-DiBa is a subsidiary of the Dutch ING Group and has its German headquarters in Frankfurt. ING-DiBa far more than 6.5 million customers. Thus, both in Germany and Europe is the largest direct bank without its own network of branches. In Germany alone, ING-DiBa has nearly 1,000 of its own ATMs. In addition, however, is with the credit card ...The change with DKB's new VISA debit card is in its credit range: there is none. If your bank account does not hold the necessary security deposit (that is required by hotels, car rental companies and others when booking their services) at the moment you're trying to pay with the card, the transaction will be declined.Dein neues Banking. Kurz den Kontostand checken, schnell eine Überweisung tätigen oder Karten verwalten: Entdecke dein neues Banking! Gut zu wissen: Du benötigst die DKB-App (blaues Icon). Jetzt anmelden & entdecken Anmeldung zum Internet-Banking. Anmeldename Passwort . Passwort vergessen.3 days ago · Deutsche Kreditbank (DKB) What is a SWIFT Code? A SWIFT Code is a standard format of Bank Identifier Code (BIC) used to specify a particular bank or branch. These codes are used when transferring money between banks, particularly for international wire transfers. Banks also use these codes for exchanging messages between them.Banking erklärt. Mit dem Banking der DKB erledigst du alle deine Bankgeschäfte und Zahlungsvorgänge online – sicher und schnell. Durch die Statusanzeigen erhältst du schnellen …We would like to show you a description here but the site won’t allow us.Todas as notícias. Acelere sua carreira com a FAMEESP. Oferecemos programas de graduação, pós-graduação e cursos EAD de alta qualidade. Matricule-se hoje! The SWIFT/BIC code for Deutsche Kreditbank (DKB) is BYLADEM1001. However, Deutsche Kreditbank (DKB) uses different SWIFT/BIC codes for the different types of banking services it offers. If you’re not sure which code you should use, check with your recipient or with the bank directly. Save on international money transfers. Kostenloses DKB-Konto eröffnen https://goo.gl/y7DgTGDas Wichtigste zum DKB Girokonto, Visa Card, Bargeld und Kontoeröffnung allgemein https://www.deutsch...We would like to show you a description here but the site won’t allow us.DKB is one of the most popular online banks in Germany. Is the DKB everything you need in a bank as an expat? I have been a customer for about 3 years now, but is the DKB bank any …How to open a DKB bank account for non-residents in Germany. If you wish to open a DKB bank account online for a non resident from outside Germany, then follow the below steps. Complete the Online Application Step 1 : Open the Online Application. In order to open a DKB bank account, you need to …Summary: DKB – Deutsche Kreditbank has been rated best bank in Germany in many leading consumer magazines from Focus Money to Handelsblatt. This comes in as no surprise as DKB really offers outstanding advantages to many …Todas as notícias. Acelere sua carreira com a FAMEESP. Oferecemos programas de graduação, pós-graduação e cursos EAD de alta qualidade. Matricule-se hoje! Die Deutsche Kreditbank (DKB) ermöglicht ihren Kunden alternativ bzw. parallel zur Nutzung des hauseigenen DKB Bank Internetbanking den Einsatz von Finanzsoftware zur Verwaltung des Kontos. Das Konto wird über eine Schnittstelle mit der Software verbunden und kann dann z. B. im Zusammenhang mit Zahlungsverkehrs- und Anlagekonten bei anderen ... Log på. Kundeservice. +45 70 123 456. Kontakt os hele døgnet. På hverdage mellem kl. 21 og 09 samt i weekender og på helligdage mellem kl. 16 og 10 besvarer vi primært henvendelser vedrørende spærring af kort og mistanke om svindel. Se flere kontaktnumre. Find svar. Tjek din saldo.Feb 17, 2022 · 申请DKB银行和DKB信用卡介绍本文以一个老留德华人的经验介绍DKB信用卡和其免费银行账户的申请和使用说明，希望对刚来德国读书和生活的小伙伴提供点帮助。资本主义羊毛大家可以薅啊！ DKB就是Deutsche Kreditbank A…Feb 5, 2023 · Anleitung DKB Unterkonten eröffnen . Die DKB Bank gewinnt aufgrund der zahlreichen Vorteile für die Kunden und aufgrund des hervorragenden Rufes immer mehr an Beliebtheit. Darum eröffnen mehr und mehr Verbraucher Unterkonten bei der DKB. Grundsätzlich gibt es zwei verschiedene Ausgangssituationen für Bankkunden, die ein …You sign into your TCF Bank account online by going to the login page from the TCF website and entering your user credentials, explains TCF Bank. If you have not registered for an ...The DKB app makes banking possible anywhere in the world. free emergency package abroad3. Your current account can also help you earn miles. As a Miles & More member, you earn 9,000 award miles when you open a current account and 4,000 award miles with your first salary credit. Open a DKB current account now …DKB isn't really for free any more. The account itself and the VISA debit card is, but the VISA credit card costs 2,50€/month, the Girocard ("EC-Karte" ) 1€/month. They promise the debit card is as good as the credit card, but such cards are often not accepted in Germany. The Giro card ("EC-Karte") is the only card accepted …Table of Contents. How to open a DKB bank account for residents in Germany. Step 1 : Open the Online Application. Step 2 : Enter your details. Step 3 : Provide Employment …Aug 9, 2020 · Konto eröffnen https://goo.gl/69umsC (Antrag)DKB-Webseite https://goo.gl/y7DgTGBegleitartikel https://www.deutscheskonto.org/de/bevor-dkb-konto-eroeffn... A Delegacia Eletrônica não envia e-mails para cumprimento de intimações, nem para pedir atualização dos seus dados cadastrais. Caso receba alguma mensagem com esse teor, não …Log på. Kundeservice. +45 70 123 456. Kontakt os hele døgnet. På hverdage mellem kl. 21 og 09 samt i weekender og på helligdage mellem kl. 16 og 10 besvarer vi primært henvendelser vedrørende spærring af kort og mistanke om svindel. Se flere kontaktnumre. Find svar. Tjek din saldo.Die Consorsbank erhebt eine Pauschalgebühr von 7,50 Euro für Bareinlagen, während die DKB eine prozentuale Gebühr von 1,5 % erhebt (mit einem Minimum von 2,50 Euro und einem Maximum von 15,00 Euro). Bei großen Einlagen kann …The DKB offers its customers telephone contact to the bank via a German landline number +493012030000 around the clock. You can also ask for recalls on a weekend or during the German night hours. We are 6 to 9 hAours ahead of the USA-mainland, so it is difficult, if you are customer of another bank.Sie möchten Ihren aktuellen Dispokredit einsehen oder Ihr Dispolimit erhöhen? Kein Problem! Im Internet-Banking der DKB können Sie mit wenigen Klicks Ihre Fi...Feb 14, 2024 · Das Wichtigste in Kürze. Die DKB führt eine SCHUFA-Abfrage durch, wenn du ein Produkt wie eine Kreditkarte oder einen Kredit beantragst, und kann negative Einträge verursachen oder zurückziehen.; Ein DKB-Girokonto, ein DKB-Dispo, eine DKB-Kreditkarte oder ein DKB-Kredit sind trotz SCHUFA-Eintrag möglich, aber abhängig von der …Personal - Danske Bank. Main number. +45 70 123 456. Feel free to contact us 24 hours a day. On weekdays between 9pm and 9am as well as on holidays between 4pm and 10am, we answer calls mainly concerning the blocking …3 days ago · Deutsche Kreditbank (DKB) What is a SWIFT Code? A SWIFT Code is a standard format of Bank Identifier Code (BIC) used to specify a particular bank or branch. These codes are used when transferring money between banks, particularly for international wire transfers. Banks also use these codes for exchanging messages between them.The DKB Group (第一勧銀グループ, Dai'ichi Kangin Gurūpu) or the Dai-Ichi Kangyo Group was the largest Japanese keiretsu in the late 1990s. [1] The group emerged after World War II and coalesced around the Dai-Ichi Kangyo Bank. Two of DKB's largest clients, Kawasaki Heavy Industries and Furukawa Electric, led their own …Nov 16, 2016 · DKB Visa Card. DKB Girocard. Withdraw cash at the ATM. worldwide € 50–1,000 per day. all VISA-compatible ATMs within Germany and abroad. Withdraw cash at the supermarket. (e.g. Penny, Rewe) € 20–200 per operation. minimum purchase of € 20 necessary. Withdraw cash “Cash im Shop”.Mobile banking makes conducting transactions convenient even while on the go. As long as you have a smartphone, it’s possible to access mobile banking services anywhere in the worl...Geld sparen. und. anlegen. – ganz nebenbei. Sparschwein war gestern. Egal, ob du einen festen Betrag anlegen oder regelmäßig sparen möchtest. Bei uns findest du zeitgemäße Sparprodukte, mit denen du Geld zur Seite legen und deine Sparziele erreichen kannst. Wähle selbst, was am besten zu dir passt.The Deutsche Kreditbank AG (DKB) is to 100% a subsidiary of the Bayerische Landesbank. So it is a state bank of the free state of Bavaria (1 of 16 federal ...May 12, 2014 · 3. Earn – good interest rate. With 1.05% interest per month, your deposit earns among the highest rate of interest in Germany. While most of the checking accounts in Germany earning nil interest, and utmost a paltry 0.2% interest, with DKB VISA account, you can earn 5 times more in interest than the normal checking account in Germany. 4. The DKB app makes banking possible anywhere in the world. free emergency package abroad3. Your current account can also help you earn miles. As a Miles & More member, you earn 9,000 award miles when you open a current account and 4,000 award miles with your first salary credit. Open a DKB current account now …Dkb bank Icons - Download 336 Free Dkb bank icons @ IconArchive. Search more than 800,000 icons for Web & Desktop here.
Friday, August 20, 1999 Published at 06:40 GMT 07:40 UK. Business: The Company File. Merger creates world's biggest bank. The headquarters of Fuji Bank in Tokyo. Three leading Japanese banks have announced an alliance forming the world's largest financial group. Fuji Bank, Dai-Ichi Kangyo and the Industrial Bank of Japan say their operations .... Gen key ssh
SmartAsset's experts review BBVA. We give an overview of all the bank's account offerings, rates and fees as well as branch locations. See if opening up an account with this bank i... DKB - Meine Internet-Bank, kostenloses Girokonto mit Kreditkarte, günstige Kredite und Immobilienfinanzierung für Privatkunden, Finanzdienstleistungen für den Mittelstand und Öffentliche Unternehmen DKB – public direct bank: DKB is owned by the Bayerische Landesbank and finally also by the German state of Bavaria. Comdirect – private direct bank: the Comdirect Bank is owned to more than 80 percent by the Commerzbank. Other company shares are owned by investors, who bought bank shares on the stock market.Banks are required to keep records of all accounts for a minimum of 5 years by law. Some banks may keep records longer, especially if they are electronic. In the event that persona...Feb 18, 2024 · Sofortüberweisung DKB funktioniert nicht. Viele Dinge, die dazu führen sofortüberweisung DKB funktioniert nicht, Dies kann auf Probleme mit Ihrer Internetverbindung, Ihrem Computer oder Ihrer TAN zurückzuführen sein. Wenn Sie kein Problem haben, können Sie sich unter [email protected] oder der DKB Bank an den Sofort-Kundendienst wenden. Die Deutsche Kreditbank Aktiengesellschaft (DKB) ist ein deutsches Kreditinstitut mit Sitz in Berlin und eine hundertprozentige Tochtergesellschaft der Bayerischen Landesbank (BayernLB). Die beiden Hauptgeschäftsbereiche sind das Direktbank-Angebot für Privatkunden sowie Finanzierungs- und Anlagelösungen für … The DKB Group (第一勧銀グループ, Dai'ichi Kangin Gurūpu) or the Dai-Ichi Kangyo Group was the largest Japanese keiretsu in the late 1990s. [1] The group emerged after World War II and coalesced around the Dai-Ichi Kangyo Bank. Two of DKB's largest clients, Kawasaki Heavy Industries and Furukawa Electric, led their own respective ... A Delegacia Eletrônica não envia e-mails para cumprimento de intimações, nem para pedir atualização dos seus dados cadastrais. Caso receba alguma mensagem com esse teor, não … Hi, ich schon wieder. Wir haben beide erst ein eigenes Giro bei der DKB eröffnet inkl. Legitimation. Jetzt zwei Wochen später haben wir ein Gemeinschaftskonto eröffnet, allerdings war wieder eine Identifikation nötig. Wenn man im DKB-Banking eingeloggt war, konnte man unter Produkten Gemeinschaftskonto wählen. Many of the approximately 1.6 million DKB customers use the account as their second bank. Most of us have also done so. Now, many of us use the DKB as their main bank. With the DKB cash account and the VISA credit card you have all the possibilities of a traditional bank and that even free of charge.Jan 17, 2024 · These banks let you withdraw money from any ATM without paying fees. This is very convenient. bunq – 4 to 5 free withdrawals per month. 33 You can only withdraw 250 € per day in the first 3 months, and 500 € per day after 3 months. 34. comdirect – 3 free withdrawals per month. There is no account opening fee and no monthly or yearly fee. Even the VISA card is always free. You can withdraw cash with the VISA card from any cash ....