Heartland + Human Interest Secure Act 2.0 +Understanding State Mandates
May 25, 2023
Join us for a webinar to learn about the SECURE Act 2.0 which introduces several significant changes for small businesses and those saving for retirement.
Hiring, Wages, & Employee Classifications Explained
May 3, 2023
Join special guest Scott Horton, Esq, Horton Law PLLC, for answers to the most frequently asked questions about an especially challenging area of law for small businesses: wage and hour laws.
Top Five Tips to Get More Sales With Your Online Marketing (without having to spend all your time on social media)
April 5, 2023
In this webinar, Donna Botti of Delos Inc. shares her top five tips to help you maximize your online presence to get better results, without needing to spend all your time on social media.
NFIB Federal Update: Congressional Outlook for Small Businesses
March 29, 2023
Special guest and NFIB VP of Federal Government Relations Kevin Kuhlman will share the latest on the current climate in Congress and NFIB's plans to advocate for small businesses this legislative cycle.
Ask the CPA: Employee Retention Tax Credit Basics and Tax Season Tips
March 1, 2023
Guest expert and CPA Kristi Stone offers an informative webinar that will provide answers to the most frequently asked questions about the Employee Retention Tax Credit (ERC or ERTC) and updates for tax season.
Seven Essential New Year’s Resolutions for Small Business
January 4, 2023
Jump start the New Year by joining NFIB’s legal and research teams for helpful guidance on creating a robust business and marketing plan to set your business on the right path for success in the New Year.
Tax Tips for Small Business in 2023 and Retroactive ERC/ERTC Claims
December 7, 2022
Join special guest DJ Antonacio, CPA, CAMS, for tips on how to create a successful financial strategy for 2023.
Credit Surcharge Program
November 17, 2022
Join us for a webinar to learn more about credit surcharges and payment processing.
Wage & Hour Guide for Small Businesses - Plus a Special Update on DOL Changing Rules for Independent Contractors
November 2, 2022
Join this webinar with NFIB’s Small Business Legal Center to deepen your understanding of key wage and hour laws and how to stay in compliance with them.
Your NFIB member health insurance options for 2022 open enrollment
October 20, 2022
This webinar will discuss the most important aspects of open enrollment including dates, types of coverages, and different types of plans.
What's Your Digital Marketing Success Plan?
October 5 2022
Join us for this webinar to learn the steps you'll want to take to grow your audience with digital marketing.
The Threat Landscape – How a managed security approach can effectively navigate cybersecurity risks and bring real value to your business
September 15, 2022
Join us for this webinar to learn how a managed XDR solution provides organizations with more benefits than expected—for an even better security strategy.
Every Dollar Counts: Small Business Debt Collection and Credit Management Strategies
September 7, 2022
Join NFIB’s special guest Cliff Ennico, Esq. to learn how to collect on debts fast and legally.
Competitive Employee Benefits for a Tight Labor Market: How Your Small Business Can Use Employee Benefits to Hire and Retain Talent
August 3, 2022
Join this webinar to learn how your company, regardless of size and budget, can leverage benefits as a tool to recruit and retain employees and also enjoy tax exemptions and deferrals.
Employee Retention Credits (ERC) – It’s Not Too Late! What you need to know about claiming the credit in 2022
July 6, 2022
Join NFIB’s Webinar to find out if you qualify for the Employee Retention Tax Credits.
Modern-Day Technology, Using Hardware to Work Smarter, Not Harder!
June 23, 2022
We will discuss use cases, management, and benefits of a wide range of topics from basic sever to end point security.
Hiring & Retaining the Best Talent in a Tight Labor Market HR Basics for Small Business
June 1, 2022
Join this engaging webinar that will cover important tasks to better ensure smooth HR sailing in a tight labor market.
Essentials of an Effective Business Website
May 4, 2022
Join experienced digital marketer and web designer, Dale Shadbegian, as we explore a step-by-step process for planning a website that helps produce your desired results.
Ask the CPA – You’ve got tax questions, we have answers!
April 6, 2022
Join us on April 6, at 12 pm ET for this free webinar, where Micah will answer the most frequently asked small business tax-related questions and share tips for 2022 tax season.
Live with the CPA: Claiming the Employee Retention Credit and Tips for Tax Season
March 2, 2022
Join special guest Kristi Stone, CPA, Stone & Company CPAs, Inc., for an informative webinar that will provide answers to the most frequently asked questions about the Employee Retention Tax Credit (ERC or ERTC) and updates for tax season.
The Power of ASK - how to ask for and get what you want
February 24, 2022
Join Kathryn Rose, CEO of WiseHer, for a webinar to learn how to master the skill of asking for what you want both effectively and efficiently.
Dogs in the Shop: Understanding Service Animal Protections Under the Americans with Disabilities Act (ADA)
February 2, 2022
Join NFIB’s special guests from the U.S. Department of Justice for an interactive webinar covering the basics of the ADA’s service animal rules.
NFIB Federal Update: From Congress to the Courts
January 12, 2022
Join our webinar on Wednesday, January 12, 2022, to learn the latest on the Build Back Better Act proposal and NFIB’s efforts to restore the Employee Retention Tax Credit for the fourth quarter in 2021.
Essential Finance & Accounting Strategies for Small Business in 2022
January 5, 2022
Join special guest DJ Antonacio, CPA, CAMS, along with NFIB’s COVID-19 experts, Beth Milito and Holly Wade, for tips on how to create a successful financial strategy for 2022.
Employee Retention Credit: It ain't over til it's over
December 9, 2021
Join Heartland’s Jason Hines and Travis Kane for a live webinar to learn the basics of the ERC program and how it changed over the course of the COVID pandemic.
Digital Advertising for Small Businesses: Developing a Marketing Strategy with Facebook and Google Ads
December 1, 2021
Join digital marketing guru Donna Botti to learn how these advertising platforms work and how to plan a successful campaign.
The Federal Covid-19 Vaccine Mandates - What You Need to Know About the New OSHA and Federal Contractor Vaccine Rules
November 19, 2021
Join NFIB’s special edition Covid-19 webinar, with James A. Paretti, Shareholder at Littler, for an overview of the OSHA ETS and the new federal contractor vaccine rule, which will answer the most pressing questions surrounding both rules including coverage and deadlines.
NFIB Federal Update: Updated Proposals and Timeline
November 10, 2021
Join NFIB's Vice President of Federal Government Relations, Kevin Kuhlman, to learn what these developments mean for you and your business.
Succession Planning for the Small Business Owner: Navigating the Exit
November 3, 2021
NFIB’s COVID-19 experts Beth Milito and Holly Wade, have joined with special guest Marty Abo, CPA/ABV/CVA/CFF, to produce a webinar designed to equip business owners with guidance on how to start the process of exiting their business.
Your health insurance options for 2022 open enrollment
October 28, 2021
This webinar will discuss the most important aspects of open enrollment including dates, types of coverages, and different types of plans. It will also discuss the differences in ACA/Obamacare plans and NON ACA plans and which one might be the right one for you.
Resources and Relief for Your Small Business – Enhanced EIDL and ERTC Updates
October 20, 2021
NFIB’s COVID-19 experts Beth Milito and Holly Wade have teamed up with SBA leadership for a webinar that will help your business get back on track.
NFIB Federal Update: Latest Proposals and Timeline
October 13, 2021
Learn about the updated legislative timeline, tax proposals, and spending proposals under consideration and when they may be considered.
[Small Business Reset and Recovery Series, Episode #2] Getting What You are Owed: Collections 101 for Small Businesses
October 6, 2021
Join NFIB’s COVID-19 experts Beth Milito and Holly Wade, and special guest Cliff Ennico, Esq., to learn how to collect money you are owed fast and legally.
Workforce Transformation: Defining your Digital Workplace
September 30, 2021
Today we want to not focus on what products you need to be productive in today’s environment but instead what are some of the biggest things that you need to think about when creating a model that works in a remote environment or hybrid environment where your employees can work from anywhere.
Employee Retention Credit: A CPA Answers Frequently Asked Questions
September 22, 2021
Join NFIB’s COVID-19 experts Beth Milito and Holly Wade, and special guest Kristi Stone, CPA, for an informative webinar that will provide answers to the most frequently asked questions about the Employee Retention Credit (ERC).
Small Business Reset & Recovery: Series #1
September 8, 2021
Join NFIB’s COVID-19 experts Beth Milito and Holly Wade, and special guest Brian Blase, Ph.D., Blase Policy Strategies, for a conversation on financial aid and other resources available to help small businesses recover, attract and retain employees, and emerge from the COVID-19 crisis stronger than ever.
Employee Retention Credit (ERC) – Small Business Updates from Treasury
August 25, 2021
Join officials from the U.S. Department of the Treasury, along with NFIB experts Beth Milito and Holly Wade, for a webinar to discuss the ERC, a refundable tax credit worth up to $33,000 per employee.
EIDL Microloans and PPP Direct Forgiveness Portal - Updates with the SBA
August 11, 2021
Join NFIB experts and special guest Veronica Pugin, from the U.S. Small Business Administration (SBA), for a free webinar on the EIDL (Economic Injury Disaster Loan) microloans.
Employee Retention Credit (ERC) Small Business Workshop
July 28, 2021
Join NFIB’s special guest, Matt Evans, CPA, SMA, CFM, as he reviews the benefits of the ERC program, a refundable tax credit that could be worth up to $33,000 per employee for qualified wages an eligible employer pays to employees after March 12, 2020, and before December 31, 2021.
SBA Paycheck Protection Program (PPP) Forgiveness
July 14, 2021
Join NFIB experts and special guest Shelley Brown, from the U.S. Small Business Administration (SBA), to find out what every business needs to know to successfully apply for Paycheck Protection Program (PPP) loan forgiveness.
PPP Forgiveness and other Covid-19 Relief Programs, including Employee Retention Credit
June 30, 2021
Join this FREE webinar to hear NFIB’s payroll protection program (PPP) loan experts Beth Milito and Holly Wade explain the PPP loan forgiveness process from the due date of the initial forgiveness application to preparation of Forms 3508, 3508EZ, or 3508S along with required supporting documentation needed to achieve full forgiveness.
Claiming the Employee Retention Credit: Don’t Miss Out on the Tax Credit that Offers Up to $33,000 per Employee!
June 9, 2021
Join this NFIB webinar, led by Justin Elanjian, CPA, from Aprio, the award-winning, top-rated CPA and Advisory Services Firm.
Important Small Business Tax Changes of President Biden’s Infrastructure Proposals
May 19, 2021
This webinar will provide an overview of the proposed tax changes, as well as insights into timing of the Congressional process. It will also cover NFIB’s advocacy efforts on behalf of small business owners and provide opportunities for small business owners to share their stories and take action.
Overview and Updates on Federal Small Business COVID-19 Relief
May 12, 2021
. Join this special webinar to learn all that you need to know about the programs and how to take advantage of them.
Employee Retention Tax Credit Essentials with Jamie Trull
April 14, 2021
. In this webinar, Jamie will cover the new supercharged Employee Retention Tax Credit. You won’t want to miss this discussion on the ERTC, which could equal $33,000 per employee!
Small Business Tax Essentials: Tax Security and Filings During Covid-19 – Do’s and Don’ts
March 31, 2021
. Tax time is approaching fast. Whether you hire a professional or do your taxes yourself, you should be aware of COVID-19 tax benefits available to small businesses and make sure you pay the right amount, file on time, and protect your business’s assets.
Breaking News: PPP, ERTC, and COVID-19 Relief Updates from the American Rescue Plan Act
March 17, 2021
. Don’t miss NFIB’s webinar with Beth Milito and Holly Wade to learn about these updates and others to ensure you don’t miss out on the latest COVID-19 relief package for small businesses.
Human Resources for Today's "New Normal"
March 11, 2021
Learn how to keep your HR policies simple ; How to prioritize changes to compliance and regulations ; Need a new policy or how to adjust an old one -- when to update your employee handbook ; How an annual review can keep your policies up-to-date
Tax Tips for the 2021 Tax Season: COVID-19 Tax Planning with Anders CPAs + Advisors
March 3, 2021
. The hour will be dedicated to answering small business tax-related questions and concerns due to the CARES Act and other stimulus legislation.
Employee Retention Tax Credit (ERTC): Step by Step instructions with a CPA
February 24, 2021
. Join this FREE webinar as Matt Evans, CPA, CMA, CFM, a frequent speaker who serves as a SCORE Mentor to small businesses, walks through the steps on how to take advantage of the ERTC.
SBA Updates: PPP, EIDL, and Venue Grants
February 10, 2021
. This week’s webinar, led by Kim Stout, Economic Development and Lender Relations Specialist at the U.S. Small Business Administration, will provide details about SBA’s Paycheck Protection Program first and second draw updates, the PPP forgiveness updates and new forms, and more.
Employee Retention Tax Credit + PPP: The CPAs tell you what to know for your business
January 27, 2021
. Join NFIB’s next COVID-19 webinar for in-depth discussion with small business experts from Anders CPAs on the expanded Employee Retention Tax Credit (ERTC) and PPP updates.
PPP Round 2 Step-by-Step and Vaccine Updates for Small Businesses
January 13, 2021
. Join special guest, SCORE’s Executive Director Bridget Weston, along with Beth and Holly to learn about FREE business resources available through SCORE, and also reimbursement for paid sick and family leave, loans, and what’s next for small business financial assistance.
What You Need to Know on Applying for A Second (or initial) PPP!
Re-opening the PPP and Lots More on the Way to Small Businesses!
Covid-19 End-of-Year Q&A with Beth Milito & Holly Wade
PPP Loan Forgiveness: Step by Step with a CPA
Dec. 2 2020
. Walk through the steps for completing the two most popular forms used to obtain PPP Loan Forgiveness - Forms 3508-S and 3508-EZ.
PPP Loan Forgiveness Tips from the SBA
Nov. 11 2020
. Join NFIB for a FREE webinar to learn the ins-and-outs of Paycheck Protection Program (PPP) loan forgiveness directly from a Small Business Administration (SBA) official.
PPP Forgiveness: Q&A on what you need to know to achieve forgiveness
Oct. 28 2020
. You’ve spent your Paycheck Protection Program money and you are ready to complete the loan forgiveness application. But it seems like every week SBA changes the PPP forms and rules. Join Beth Milito and Holly Wade, NFIB’s PPP experts, for a review of the latest SBA updates and for answers to your questions.
Automatic Forgiveness Update and Ask the CPA - Covid-19 Small Biz Tax Tips: PPP and Beyond
Oct. 14, 2020
. Join special guest CPA and Tax Expert Martin Abo, CPA/ABV/CVA/CFF, as he answers the most urgent tax questions from small businesses.
How to Complete a PPP Forgiveness Application
Sep. 30 2020
. In this 90-minute webinar, PPP experts Beth Milito and Holly Wade will instruct you on how to complete a PPP loan forgiveness request. We will walk you through the forgiveness applications and help you determine if you qualify for the Standard or EZ Loan Forgiveness Application. We will devote 45 minutes to live Q&A.
Security in the Remote Working Environment
Sep. 24 2020
. Digital best practices now need to become standard more than ever. With increased security risks, such as malware attacks, identity theft, and ransomware, it is important for all PC users to be mindful of their virtual network security.
Ready for PPP Loan Forgiveness? Let's make sure all your ducks are in a row!
Sep. 2 2020
. Beth and Holly will answer PPP loan forgiveness questions and more to make sure you are ready. NFIB’s COVID-19 webinar series aims to provide the latest updates on pressing issues facing small businesses.
Preparing for PPP Loan Forgiveness and PPP Q&A
Aug. 12 2020
. For businesses that received a loan through the Paycheck Protection Program (PPP), the rules are everchanging with new SBA guidance just published on August 4. This week’s webinar will cover the latest SBA updates and provide Q&A.
PPP and EIDL – Your Questions Answered Live
Aug. 5 2020
. In this webinar session, we'll be covering your most common PPP and EIDL questions with NFIB’s Covid-19 experts Holly Wade and Beth Milito. Please be sure to submit your questions ahead of our session to www.nfib.io/webinarqa and we will dive in and discuss what you need to know around these ever-changing loan programs.
SCORE, updates on the EIDL and PPP, Paid Leave Reimbursement, and Q&A
July 29, 2020
. Join NFIB’s next COVID webinar for in-depth discussion of the rules for a second PPP loan. We will also be joined by Jessica Brown, Esq., an employment attorney from the law firm of Gibson Dunn to address common employer questions related to the COVID vaccine.
PPP Loan Forgiveness Application Step-by-Step Live
July 22, 2020
. Join NFIB’s PPP experts, Beth Milito and Holly Wade, as they walk through a live line-by-line demonstration on filling out the PPP loan forgiveness application followed by Q&A.
Your EIDL and PPP Loan Questions Answered – SBA’s Loan Experts Explain the Rules
July 15, 2020
Join special guests, SBA representatives Kathy Cook and Melissa Loder, both experts in SBA loan programs, as they join NFIB’s Beth Milito and Holly Wade to dig into the details of SBA loan relief.
PPP Forgiveness – A Banker’s Perspective
July 8, 2020
. Join Mary Beth Baker, SVP and Commercial Lending Officer for Powell Valley National Bank, along with NFIB’s Beth Milito and Holly Wade to learn more about how PPP loan forgiveness will work. Mary Beth will provide insights on how to get prepared, avoid potholes, and begin navigating the road to forgiveness.
Wage and Hour Basics for Small Business
Mar. 4, 2020
Join this free and fast-paced webinar to ensure your business is complying with the Fair Labor Standards Act (FLSA), the federal wage and hour law. The webinar will cover the rules for classifying employees as exempt or non-exempt and address other common wage and hour pitfalls. Participants will learn how to avoid mistakes in paycheck deductions, how to avoid problems with meal and rest break laws, and will provide a refresher on the newly revised federal overtime rule. Expert attorney Alden Parker, from the nationally recognized firm Fisher Phillips, will present and respond to participant questions. Following proper wage and hour rules and best practices will keep your employees happy and your business in compliance with the FLSA. This will decrease your risk of ruinous labor audits, penalty fees, and employee lawsuits.
Employee Terminations 101: Firing Legally and Fairly
Feb. 5, 2020
Join the NFIB Small Business Legal Center on February 5, 2020, for a lively webinar that will provide the Do's and Don'ts of Firing and help you avoid the most common mistakes that employers make when terminating employees. Beth Milito, Senior Executive Counsel with NFIB, will talk about ways to protect your business from discrimination claims and other legal pitfalls that arise when terminating employees.
New Laws for 2020
Jan. 8, 2020
With the New Year comes new laws. So to ensure that you know and understand new rules that may affect your business, NFIB Small Business Legal Center attorneys, Beth Milito and Luke Wake, will provide a national employment law update on January 8, 2020.This webinar will address significant regulatory changes at the federal, state and local level.
New Overtime Rule - Effective Jan 1: What Small Business Needs to Know
Dec. 4, 2019
In this webinar, Tammy D. McCutchen, Esq., a leading authority on federal and state wage and hour laws and former Wage and Hour Administrator at the Department of Labor -- will explain the new requirements and what employers need to do to ensure compliance on January 1, 2020.
When Hiring Employees: Ways to be Compliant and Available Tax Incentives
Nov. 20, 2019
In the webinar, we will discuss the “do’s and don’ts” of the interviewing process and how to properly onboard the employee once the hiring decision has been made. We will also look at Work Opportunity Tax Credits (WOTC) businesses can receive by hiring individuals that meet defined demographics.
Understanding Tax Code Changes
Nov. 6, 2019
Aeron Van Scoyk and Luke Wake will also offer practical suggestions, covering common deductions, tips for minimizing your risk for an audit and an easy-to-understand overview of the Alternative Minimum Tax (AMT).
Windows 7 & Windows Server 2008 End of Support: Are you prepared?
Oct. 16, 2019
. Today we will be covering the specific dates for end of support for both client and server operating systems. Along with what is at risk and what action items small businesses should have as we approach the EOS date.
OSHA Essentials from Small Business
Oct. 2, 2019
This webinar gives an overview of OSHA, outlines employer requirements, and discusses critical OSHA enforcement initiatives that impact small businesses.
The Importance of Business Incorporation and How to Choose the Right Entity for Your Business
Sep. 25, 2019
This educational session will feature the pros and cons of each of the different types of entities to help you understand which is best for your particular business as well as help you understand the best states to have your business incorporated in. Come learn about all the ways you can protect your business and stay compliant as a business owner.
Stay Out of Court: Ten Ways a Small Business Owner Can Avoid Legal Trouble
Sep. 4, 2019
We know you want nothing more than to stay out of court. That’s why NFIB Small Business Legal Center attorneys Beth Milito and Luke Wake have put together an interactive presentation on Ten Ways to Stay Out of Court. Learn 10 steps to reduce the likelihood that your business will be sued and increase the odds that your business will win if it is sued.
Personal Branding on LinkedIn
Aug 21, 2019
Branding is all about building visibility and credibility with your audience in order to influence buying decisions. As the first step is generating awareness, LinkedIn is a wonderful place to start for both corporate and personal branding.
Public Accommodation Under the Americans with Disabilities Act: How Does the ADA’s Title III Apply to Your Small Business?
Jul 10, 2019
Join Beth Milito, Senior Executive Counsel with NFIB’s Small Business Legal Center, and Dana Barton, Director, Rock Mountain ADA Center, as they discuss the most common ADA violations many businesses must address.
Leave After Leave: Handling Employee Requests for Time Off Under the ADA, Workers’ Compensation, and the FMLA
Jun 5, 2019
Join the Small Business Legal Center Attorneys Beth Milito and Luke Wake as they provide a road map of issues you need to address under the Americans with Disabilities Act, the Family and Medical Leave Act and Workers’ Compensation laws, including case studies you can use to work through situations in your business.
Barbarians Inside the Firewalls: Cybersecurity for Small Business
The ABCs of Independent Contracting
Apr 3, 2019
Join NFIB Small Business Legal Center attorneys, Elizabeth Milito and Luke Wake, for a fast-paced webinar on working with independent contractors. They will discuss trends in employment law, and will provide guidance for companies working with independent contractors.
What is the Small Business Deduction (Section 199A)
Mar 13, 2019
For years, small businesses have counted tax issues among five of their top ten problems and priorities. The 2017 Tax Cuts and Jobs Act presented the biggest tax overhaul in more than three decades, and it dramatically changed the landscape for many small businesses. The centerpiece of those changes is the new Small Business Deduction (Section 199A). This important deduction allows businesses organized as pass-throughs to deduct 20 percent of their business income from an S-Corporation, LLC, sole proprietorship, or partnership. Under the law, a pass-through business owner – regardless of the type of business they own – can now claim a full 20 percent deduction on their share of the business’s income up to $315,000 for those filing jointly.
Hot Topics in Employment Law 2019
Feb. 6, 2019
Small Business Legal Center attorneys, Elizabeth Milito and Luke Wake will cover minimum wage hikes, paid sick leave enactments, anti-harassment training requirements, new regulatory issues in the hiring process and other current trends in employment law. They will discuss strategies for ensuring compliance while protecting legitimate business interests. And as always, there will be an opportunity for questions.
Drugs in the Workplace: What Small Businesses Can and Should Do Now
Dec. 5, 2018
Join NFIB Small Business Legal Center attorneys, Elizabeth Milito and Luke Wake, for this complimentary webinar discussing legal and practical problems related to opioids in the workplace. They will discuss recent court decisions, and explain relevant state and federal regulation, including the Americans with Disabilities Act. Milito and Wake will discuss workplace policies and the impact of mandated drug testing for applicants and current employees. They will also explain how implementation of policies can help employers avoid disability discrimination claims and other legal challenges. And, of course, there will be an opportunity for questions.
2018 Healthcare Compliance: A Year in Review
Nov. 28, 2018
2018 may have seemed like a sleepy year for compliance but there is much to review and track as we move into 2019. Join us as we look back on 2018’s regulatory highlights as well as a look into what 2019 may hold for employee benefits.
Sexual Harassment in the Workplace: Strategies for Handling #MeToo in a Small Business
Nov. 7, 2018
This webinar will talk about the perils of ignoring harassment in the workplace and offer simple steps employers can take to protect employees in businesses of all sizes.
Digital Transformation of SMBs
Oct 31, 2018
This webinar will discuss what the results uncovered and actionable upgrades SMBs can implement to grow their business digitally including a “how to” on digital payments, marketing and advertising tactics, new service consideration and customer loyalty programs.
6 Ways to Use Local SEO for Your Small Business
Aug. 29, 2018
With this webinar, we will give you the tips to get you ahead and build a solid foundation for a successful local marketing campaign.
An Introduction to the Tax Cuts and Jobs Act: AN OVERVIEW OF WHAT THE NEW FEDERAL TAX LAW MEANS TO YOUR BUSINESS AND YOU
Feb. 28, 2018
The webinar will cover changes in rates, accounting, deductions, and credits. It will highlight implementation issues and provide action items for small business owners as they prepare for the tax changes, many of which begin in 2018.