Charlotte Emerges As The 3rd Hottest Rental Market

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At the start of 2024, Charlotte emerged as the third most competitive rental market in the Southeast, with a score of 70 on the Rental Competitiveness Index (RCI).

To pinpoint the hottest renting spots at the start of this year, the group at RentCafe analyzed factors like vacancy duration, occupancy rates, number of renters competing for a vacant unit, lease renewal rates and share of new apartments. Using these metrics, we then calculated an RCI score to clearly rank the competitiveness of each market.

Here are the highlights for Charlotte, according to our latest competitivity report:

  • Six renters compete for each vacant unit in Charlotte, with apartments getting filled in 42 days.

  • The occupancy rate stands at 92.4%, with 59.4% of renters choosing to renew their leases in early 2024.

  • The share of new apartments here accounts for 1.17% of the housing supply. That’s significantly above most American markets, which slightly hindered Charlotte’s ranking.

Here’s Why More and More People Are Selling To Cash Buyers

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The term cash buyers has become quite popular in real estate circles lately. More people choose to sell their homes to cash buyers for several benefits. Years back, selling cash was often a red flag for illegal activities.

However, for a growing number of homeowners, selling to a cash buyer now makes the process much less stressful. With quick closings and no hassle of listings or open houses, a cash sale brings welcome ease. 

A Streamlined Sale

Is it easier to sell my home for cash than listing it traditionally? The short answer: yes, by far! When you sell cash, you avoid scheduled open houses and endless showings to host.

And nobody enjoys the back-and-forth negotiations that come with traditional offers. The sale is straightforward once you accept an offer from a cash buyer. And you won’t need to worry about buyers getting loan approvals or inspections dragging on.

The cash offer lets you set a closing date that works for your timeline, giving you more control over your moving plans. A streamlined cash sale takes the hassle out of selling your home.

An Easy Way Out of a Tough Spot

Cash sales provide the perfect solution for homeowners needing funds fast, like after a job loss or to settle debts. No repairs or cosmetic fixes are required to appease potential buyers. When tough situations call for easy outs – cash buyers deliver just that.

Flexibility on Closing Date

While cash buyers want quick closings, they also offer sellers more flexibility in choosing the closing date. Conventional buyers have a limited time frame between accepting an offer and being fully cleared to close based on their financing process.

On the other hand, cash investors are not constrained in the same way and can often close within the seller’s requested time frame rather than a rigid 30-45 days period. This allows homeowners more control over scheduling their closing.

No Commission Fees

One major cost saving of opting for a cash sale over traditional listing is avoiding real estate commission fees. When selling directly to an investor, sellers don’t have to pay the total commission to the listing and buying agent. 

Those commission fees can amount to tens of thousands of dollars in costs eliminated in an all-cash deal without representation for higher-priced homes. Going this route lets more sale proceeds stay in the seller’s pocket.

Guaranteed Sale with No Risk

What are the risks if I decide to sell my home for cash? When selling your home for cash, there is no risk of the deal falling through like in a traditional contingent sale. All-cash investors make firm, non-contingent offers to purchase properties, so homeowners are guaranteed a sale once terms are agreed upon. There are no inspection or financing contingencies for the deal to collapse over.

Is “Sell My Home for Cash” Right for Me?

Exploring a cash sale may be ideal if you want a fast, convenient, and low-stress way to sell your property without repair costs or commissions. Contact local real estate investors to see competitive all-cash purchase offers and expedited closing timelines. A cash sale could provide the ideal solution for homeowners seeking a timely and simple way to sell their homes.

How to Choose the Right Exercise Bike for Your Fitness Goals

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Few instances mirror the excitement and the fear that come in equal quantities when starting off a fitness journey. One name that readily comes along, given the many options people have, is exercise biking. Apart from this offering you a low-impact way to exercise, exercise bikes give you the chance to work without having to worry about exposing yourself to the elements. Research also shows that they can be sort of vital, at least in part, if your intention is to lose a few pounds, improve your cardiovascular health, or just generally keep in shape.

There are many options to choose from, and you may be wondering how to make a pick. Let this article guide you through some of the key considerations to help guarantee your fitness journey becomes fun and effective.

Understand Your Fitness Goals 

Before you set out looking for an exercise bike, understand yourself and your fitness goals. Do you want to improve cardiovascular functioning, or do you want those little extra pounds around your stomach gone? Or are you just into gaining power and want to tone the muscles? Different goals have different bikes best suited for them. 

The bicycles come in different types: there are upright bikes that offer experiences close to that of a traditional one and that are good for general fitness activities, and there are the recumbent bikes offering a lower, more comfortable seat, which is really good for a person having back pain or being in a post-recovery situation.

Features to Look For

Now that the fitness goal is set, this is the time to look for and discuss the features with the salesperson. Adjustable resistance levels are a must; set them as per requirement, and choose a bike whose power of workout can be increased slowly.

An adjustable seat and handlebar will also provide comfort enough for you to cycle many times and for longer per time. What is more, display screens enabled with real-time answers for the distance one has covered and the pace, in addition to the calories burnt, will at least make the practice worthy and challenging. While they do serve other purposes, these features also help to motivate you to keep going and do more.

Space and Comfort Considerations

Your living space is another critical factor in choosing the right exercise bike. Smaller models or even foldable ones may satisfy this, if your interest is to save space at home. Irrespective of model though, remember that a comfortable seat is a very vital consideration. 

Make sure your choice of exercise bike is fully cushioned, and a good size to accommodate your body well. If you just spared a few extra minutes on this, then it really will go a long way into making your commitment to fitness last.

Conclusion 

The exercise bike that will be the most effective for you is the one that you will actually use on a regular basis. With that in mind, follow our tips above to ensure you make the best choice. That way, you can begin the journey ahead with confidence, knowing that you made an informed decision that is in line with your fitness aspirations.

Jackpots Casino Game Basics: A Beginner’s Guide to Getting Started and Understanding Gameplay

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A jackpot is a casino game’s top reward. To win one, you might need to hit a specific slot symbol combination or score a rare poker hand. In this guide, we’ll break down the basics of jackpots so you can start chasing them today!

Select a Game With a Jackpot

Though commonly associated with slot machines, jackpots can also appear in certain variations of table games, as well. Before setting your sights on a big return, make sure the game you have selected has a jackpot up for grabs. Luckily, many casinos group these titles in a dedicated section, like https://www.zulacasino.com/public-lobby/jackpots, for example. Zula Casino has 40+ slots with jackpots, including progressive ones, where the amount you can win continues to increase until someone hits it.

Make Sure You Meet Jackpot Requirements

Just playing a jackpot game might not automatically qualify you for the big reward. Sometimes, you need to invest a certain amount of coins to be in the race for it. Also, watch out: using certain bonuses could disqualify you from winning the jackpot.

Understand How to Trigger the Jackpot

Always take a moment to review the game’s rules before you start, and look up how to actually win a jackpot. There are some that are triggered randomly at any point in the game, while others only pop up during bonus rounds and require you to land special symbols. The last thing you want to do is celebrate a big win only to find out that you didn’t land the right symbol!

Know Common Types of Jackpots

The two most common types of jackpots are fixed and progressive. With the former, the game’s top return is set at a certain level and doesn’t change. If a player wins it, the fixed jackpot is immediately reinstated at the same amount.

Progressive jackpots work a little differently. They start with a certain grand reward, let’s say 100,000 coins. Every time someone plays this game and doesn’t win the jackpot, a percentage of the coins they used will be added to the pool. For example, if you use 100 coins and lose, the jackpot amount increases to 100,050. With thousands of people spinning the reels of progressives, the highest potential return can even hit the eight-figure mark!

Now that you know the fundamentals of jackpot casino games, it is time to try your luck and see if you can get lucky. Just remember — the chances of hitting a jackpot are low, so adjust the number of coins you play with. It may take thousands of spins to trigger it, but when you see those flashing symbols and the giant splash across your screen, all that spinning suddenly becomes worth it!

Lifting The Load: How To Prepare Heavy Equipment For Transportation

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Transporting heavy machinery and equipment is a complex task that requires careful planning and execution. Whether you’re moving a bulldozer to a new construction site or shipping a massive industrial press across the country, ensuring the safe and efficient relocation of heavy loads is paramount. Inadequate preparation can result in costly damages, delays, and safety hazards. 

This article provides a comprehensive approach to preparing heavy equipment for transportation. Read on for the essential steps and considerations involved in the process: 

  • Understand The Legal Requirements And Permits 

Before you do anything else, start by understanding the legal requirements and permits you’ll need for your heavy haul. These requirements vary across countries, states, and regions, depending on several factors, including weight, size, and route restrictions.  

For instance, a Texas heavy haul exceeding the size or weight limit, such as transporting equipment with a length over 59 feet, requires permits from the Texas Department of Transportation. Oversized loads might also need escort vehicles with flashing lights for safety. Due to potential road restrictions, careful route planning is necessary, considering weight limits and bridge clearances. 

Consider hiring a professional heavy haul company to leverage their invaluable resources. With their deep knowledge of transportation laws across multiple jurisdictions, they ensure your machinery meets all criteria before hitting the road. This expertise allows you to focus on your core operations while they handle the legal complexities seamlessly. 

  • Choose The Right Transportation Method 

Choosing a suitable transportation mode is crucial when moving heavy equipment. The decision depends on factors like size, weight, and the machinery’s unique characteristics. For smaller loads, flatbed trucks can suffice, but larger or heavier pieces may require specialized trailers or heavy hauls. In extreme cases, like transporting massive industrial presses or turbines, custom solutions become necessary. 

For instance, if you need to relocate an excavator to a new construction site in Houston, an experienced Houston heavy equipment transport company can assess its dimensions, weight, and unique characteristics to recommend the most suitable transportation method. While the excavator’s sheer size may seem daunting at first, their expertise ensures a tailored solution for safe and compliant travel. 

The transportation partner you select should thoroughly evaluate your equipment and propose the optimal method, accounting for factors like route constraints and project timelines. Discuss various scenarios and get their professional insights – it could mean the difference between a seamless relocation and a costly misadventure. 

  • Clean Your Equipment 

Proper cleaning is an essential preparatory step before transporting heavy equipment. Thoroughly clean your machinery to protect your company name and comply with quarantine regulations aimed at stopping the spread of invasive species across regions. 

For instance, transporting an uncleaned excavator from a Florida worksite to a project in California risks introducing non-native pests or vegetation that could affect the local ecosystem. By meticulously cleaning the equipment, you fulfill your environmental responsibilities while establishing a record of its condition prior to transport. 

  • Inspect And Document Pre-Transportation Condition 

Before loading your machinery for transport, a comprehensive inspection and maintenance check is imperative. Thoroughly examine the equipment, ensuring you top up fluid levels and secure or remove loose parts. Take note of potential issues that could compromise the machine’s integrity during transit and find a possible solution for it.  

For example, consider a diagnostic leak detector if your heavy haul contains perishable or hazardous materials. A leak could lead to spoilage of your cargo or environmental damage, but a detector can help identify issues early on. 

In addition to the physical examination, meticulously document the equipment’s condition through detailed photos and notes. This record serves as crucial evidence should damage occur during transportation. High-quality images highlighting existing dents, scratches, or wear can substantiate your claims and protect you from unwarranted repair costs. 

  • Secure Equipment For Transportation 

Once your equipment is ready, the next step is to secure it for transport. This involves: 

  • Utilizing appropriate tie-downs: You must select the specific tie-downs carefully, whether heavy-duty chains or reinforced straps, depending on the equipment’s weight and dimensions. Using tie-downs rated below your machinery’s tonnage poses an unacceptable safety risk during transit. 
  • Achieving even weight distribution: Position your equipment on the trailer strategically to distribute its massive weight. An unbalanced load significantly increases the chances of tipping or shifting, which can jeopardize the entire haul. 
  • Adhering to the manufacturer’s guidelines: Consult the manufacturer’s instructions for proper securement and transportation procedures. These recommendations, tailored to each machine’s unique characteristics, serve as a vital reference to ensure a secure and compliant relocation. 

By investing meticulous effort into properly securing your assets according to industry best practices, you minimize the risks of accidental damage, costly delays, and potential safety hazards throughout the transportation process. 

  • Conduct A Final Check 

After securing your haul, consider conducting a final check to verify every aspect to prevent overlooked details from causing issues on the route. Visually confirm that each piece of machinery is secure with the appropriate tie-downs and that weight distribution balances across the trailer.  

Check with the drivers to confirm they have the necessary documentation for the haul. Omitting a crucial oversized or overweight permit could lead to costly delays or fines from authorities. Additionally, you should review the comprehensive route optimization plan and escort vehicles, if any, with the driver. Discuss potential bottlenecks, low-clearance areas, and contingency plans in case of unforeseen obstructions or adverse weather events. 

Conclusion 

Preparing heavy equipment for transportation is a critical process that requires attention to detail, knowledge of legal requirements, and an understanding of the specific needs of your machinery. By following these preparation tips, you can mitigate risks, avoid costly damages and delays, and ensure that your equipment arrives safely at the needed destination. Remember, the key to a successful transportation project lies in careful planning, preparation, and choosing the right transportation partners.

Mobile sports games are gaining popularity in North Carolina

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Known for its beautiful scenery and rich sports culture, North Carolina is now becoming a center of attention with the introduction of mobile sports gambling. This event causes mixed feelings among residents: some are happy about the new opportunities, while others are worried about the possible consequences. Now is the time for the state to rise to the challenge and prepare for the changes that lie ahead.

New gambling income means new problems

North Carolina is entering an era of change with the introduction of mobile sports gambling, bringing not only new opportunities but also new challenges. The new laws require that the person placing the bet must be at least 21 years old and be in physical proximity to the state. Additionally, to combat the negative impacts associated with the gambling industry, the State Department of Health and Human Services received $2 million and created the Non-Problem Gambling Program (NCPGP), which offers a variety of education, outreach and treatment services throughout the state. state. The fact is that not only legal casinos and bookmakers operate in the state, but also unlicensed foreign platforms. According to www.topcadcasinos.net, such platforms give new users no-deposit free spins, thereby encouraging them to register in illegal casinos. New laws combat precisely such platforms.

While legal gambling has long existed in Western casinos, a new law will allow residents to bet on sports events directly from their mobile devices, opening a new chapter in the world of gambling entertainment. Particular attention is paid to possible negative consequences associated with these changes. For example, the impact of mobile betting on teenagers and how it might affect their view of their favourite sports teams. Many people worry that betting could change the way they view sporting events and could lead to negative consequences if their favourite team loses.

Fun fact: Research shows that the brains of adults under 25 are not yet fully developed, making them less likely to take risks. However, gambling addiction can lead to a number of serious problems. According to scientists, every fifth person suffering from gambling addiction attempts suicide.

The goal of the legislation being developed in NC is to ensure that people who decide to dive into the world of gambling do so responsibly and within reasonable limits. North Carolinians should also realize that regulation of the gambling industry is intended both to ensure the safety of users and to stimulate the growth of the industry itself. It is important that players understand the risks and make informed decisions, while at the same time, the state relies on income from this industry to meet various needs of society, including supporting people suffering from gambling addiction and developing and implementing programs to prevent the development of gambling addiction.

Black Rhodium Diamond Rings to Unleash Your Darker Side!

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Rhodium is a precious and rare metal that belongs to the platinum family and is highly coveted in the jewelry world. But we are not talking about ordinary rhodium here, but rather the exclusive line of black rhodium rings, specifically black rhodium diamond rings.

These are the ultimate statement pieces for anyone willing to abandon conventional shiny silver colors and embrace their darker side. Unlike any other piece of jewelry, they give an edgy and robust feel that adds a bold yet classy touch to your fashion.

Unearthing Black Rhodium

Rhodium has a shimmering silvery-white sheen, but black rhodium gives an entirely different outlook. It is made by electroplating the metal with derivatives of rhodium, which turns it into a dark color, making your diamond ring look dark and charming, appearing outstandingly different from others.

Black Rhodium Diamond Rings: Elegance in Darkness

Black rhodium diamond rings dazzle us with their conflicting sparkle of diamonds set against their gothic background. The brilliance of diamonds is exaggerated by the presence of black rhodium, which turns it into the showstopper in every ring.

Diamonds are indeed a girl’s best friend, but marrying them with black rhodium showcases an intersection of traditional beauty and modern chicness. The lively shine of diamonds finds its perfect reflection in the dark mysteries covered by the black metal, making it surprisingly delightful and desirable instead of being simple and traditional.

Suitability and Versatility

For people who would rather have a sense of depth and mystery, as opposed to conventional glittering brightness, a black rhodium diamond ring is the way to go. There is no better pick for all occasions than this type of ring because it can be matched with anything. It has wild appeal when paired with darker clothing but can also be an eye-catching piece against light or brightly colored outfits.

The good thing about these rings is that they can be customized to suit any style. For example, you may choose a diamond solitaire ring accented in black rhodium or even decide on intricate styles where the dark metal curves around luminous diamonds. Black rhodium rings work well with an eternity band, vintage bands, or modernized designed rings.

Detour from Traditional Engagement Rings

Most couples now prefer to use nontraditional engagement rings to express their unique love stories. Black rhodium diamond rings are an exception, with their black-tie elegance merging with daring darkness. By presenting a black rhodium diamond ring, it means that one is in love as deep and mysterious as the sea, an adventurous and limitless affection that is as exceptional as the ring itself.

Care and Maintenance

Bear in mind that black rhodium rings for women require proper attention. After some time, the black plating may fade, revealing its underlying metal. Regular cleaning and re-dipping assist in maintaining its captivating darkness. Moreover, it develops a patina over time, thereby making it even more mystic and giving it an antique look as it ages.

Discover the Power of Dark Elegance

It is pretty refreshing to find an alternative aesthetic in jewelry when everything else seems traditional. Black rhodium diamond rings are more than mere jewels; they are identifiers of individualism that allow you to flaunt your dark side stylishly. Why not join the dark side, shock others with your jewelry preference, and become a pacesetter with a black rhodium diamond ring?

What Qualifies as a Wrongful Death Lawsuit?

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Losing a loved one is an emotionally trying experience, and when that loss is a result of someone else’s carelessness, recklessness, or intentional injury, the legal repercussions become crucial. A wrongful death lawsuit seeks justice for such tragedies by holding those responsible accountable for the damage caused by their actions.

According to wrongful death attorney Brian Mitchell, car accidents are one of the most common causes of wrongful deaths. He added that if your loved one is tragically killed in an accident, you need to contact a skilled attorney immediately. But what qualifies a wrongful death suit?

As you move through the following discussion, you will discover the elements that constitute a wrongful death claim and the parties who have the right to seek justice.

Definition of Wrongful Death

A wrongful death occurs when someone dies as a result of someone else’s careless or malicious actions. It’s a legal term used to describe a death that could have been prevented if proper care had been taken.

An Inland Empire wrongful death attorney states that wrongful death can occur in various circumstances, such as medical malpractice, car accidents, workplace accidents, pedestrian and bicycle accidents, accidental poisoning or drowning, or even criminal acts.

When a wrongful death occurs, the surviving family members or beneficiaries may have the right to file a wrongful death lawsuit. This lawsuit seeks to hold the responsible party accountable for their actions and to seek compensation for the damages caused by the death.

Wrongful death laws vary from state to state, so you should consult a skilled attorney who specializes in wrongful death cases to understand the specific laws and requirements in your jurisdiction.

Elements of a Wrongful Death Lawsuit

To successfully pursue a wrongful death lawsuit, certain elements must be established to prove the negligence or intentional actions of the responsible party.  

The first element that must be proven is that a person has died. This may seem obvious, but you should establish the death as the direct result of the defendant’s actions or negligence.

It must be proven that the defendant’s actions or negligence caused the death. This requires demonstrating a causal link between the defendant’s conduct and the fatal outcome. It isn’t enough to show that the defendant was negligent; it must be shown that this negligence directly led to the death.

It must be proven that the surviving family members have suffered damages as a result of the death. These damages can include financial losses, such as medical expenses and funeral costs, as well as emotional pain and suffering.

Types of Damages in a Wrongful Death Lawsuit

These different types of damages are meant to compensate the surviving family members for the losses they’ve suffered as a result of their loved one’s death. 

Economic damages: These damages are meant to compensate the family members for the financial losses they’ve suffered as a result of their loved one’s death. Economic damages can include medical expenses, funeral and burial costs, loss of income and benefits, and loss of future financial support.

Non-economic damages: These damages are meant to compensate the family members for the emotional pain, suffering, and loss of companionship they’ve experienced due to their loved one’s death. Non-economic damages can be more difficult to quantify, as they’re subjective and vary from case to case.

In California, they don’t allow you to recover punitive damages, except in some cases where the decedent died due to a felony homicide for which the defendant received a criminal conviction.

Understanding the types of damages that may be awarded in a wrongful death lawsuit for the surviving family members allows them to have a better understanding of what they may be entitled to and helps them to seek justice for their loved one’s death.

Parties Eligible to File a Wrongful Death Lawsuit

When filing a wrongful death lawsuit, the eligible parties are those who have a legal relationship with the deceased individual. This means that if you’re a spouse, child, or parent of the deceased, you may be eligible to file a lawsuit on their behalf. The specific rules regarding eligibility can vary depending on the jurisdiction.

In addition to immediate family members, some states also allow other individuals to file a wrongful death lawsuit. For example, in some cases, a domestic partner or a financial dependent may be eligible to file a lawsuit. Some states may allow siblings or grandparents to bring a wrongful death claim under certain circumstances.

The eligibility to file a wrongful death lawsuit isn’t limited to individuals. In some cases, the estate of the deceased person may also have the right to file a lawsuit. This typically occurs when the deceased person doesn’t have any immediate family members or if their immediate family members choose not to file a lawsuit.

Time Limitations for Filing a Wrongful Death Lawsuit

These time limitations, also known as statutes of limitations, vary from state to state and can range from one to several years. Each jurisdiction has its own set of rules and regulations regarding the time frame within which a wrongful death lawsuit can be filed. 

You should be aware of the specific time limitations in your jurisdiction as failure to file the lawsuit within the prescribed time frame may result in the case being dismissed. This means that you’d lose your right to seek compensation for the wrongful death of your loved one.

In some jurisdictions, the clock starts ticking from the date of death, while in others, it may start from the date when the cause of death was discovered. Some states have exceptions to the time limitations, such as when the wrongful death is caused by medical malpractice or if the victim was a minor.

Consult with an experienced wrongful death attorney who can guide you through the legal process and help you file the lawsuit within the required period. Time is of the essence when it comes to filing a wrongful death lawsuit, so it’s best to take action as soon as possible.

Conclusion

Now that you understand what qualifies as a wrongful death lawsuit, it involves a person’s death as a result of someone else’s carelessness or intentional action. To guarantee justice is served and accountability is held, you should consult with a legal professional if you believe you have a wrongful death case. A person who has been killed due to wrongful death deserves justice.

How Long Do You Go to Jail for Drunk Driving in California?

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Did you know that every day, approximately 37 people in the United States die in drunk-driving accidents? Never drink too much alcohol when you know that you will be driving. Individuals should understand that they are responsible for their actions, including the decision to drive after consuming alcohol.

Drunk driving, also known as driving under the influence (DUI), is a dangerous behavior that poses serious risks to the driver, passengers, and others on the road. But how long do you stay in jail for a DUI in California if you’re caught?

In this discussion, we will explore the potential consequences of drunk driving and how long you stay in jail, from first-time offenses to aggravated DUI charges, leaving you with a sense of anticipation and a need to know more.

Legal Blood Alcohol Concentration (BAC) Limits

In California, the legal blood alcohol concentration (BAC) limit is 0.08%. This means that if you’re caught driving with a BAC of 0.08% or higher, you could face serious consequences.

Alcohol affects everyone differently, so it’s difficult to determine exactly how many drinks it takes to reach the legal limit. Factors such as your weight, metabolism, and the type of alcohol you consume can all play a role in how quickly your BAC rises.

It’s always better to err on the side of caution and never get behind the wheel if you’ve been drinking. Law enforcement officers are trained to detect signs of impairment, and if they’ve reasonable suspicion that you’re driving under the influence, they can pull you over and administer a breathalyzer test.

According to Edwards Law, PLLC, if you refuse to take the test, you could face even harsher penalties, including a longer suspension of your driver’s license. So it’s always a good choice to follow the rules to avoid these unexpected consequences.

NC DMV Launches New Grocery Store Kiosk Program in Charlotte To Fight Wait Times

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Long lines at DMV offices could become a thing of the past with a new pilot program placing self-service kiosks in Harris Teeter stores across North Carolina.

According to the NCDMV’s website, the initiative, aimed at reducing wait times, allows customers to renew driver licenses, order duplicates, change addresses, and even register to vote at select locations. More services like vehicle registration renewals are expected to roll out soon.

The first kiosk is now operational at the Harris Teeter off Smith Farm Road in the Queen City, with plans for seven additional kiosks by mid-2024.

If successful, more locations may follow suit. Transactions incur a $4.95 fee plus a 2.35% credit/debit card fee, which goes to Intellectual Technology, Inc. for service delivery, with no cost to the state.