Sales Jobs in Pelham, AL
29 positions found
Primary responsibility is to provide excellent service to our customers. Strive to meet or exceed all store goals and company business initiatives. Associates will be responsible for a variety of tasks throughout a typical work day as directed by the store management team. In addition to these responsibilities, SR Sales Associates will have additional POS/Back Office responsibilities that include refunds/exchanges, processing S2H and Customer Pickup orders. Maintain and adhere to all company and Store Operations policies and procedures.
Duties and Responsibility
- Create an excellent shopping experience for our customers through awareness and company service standards. Positive attitude, willingness to serve and well informed. Sales and assistance Promotion of company rewards program and others business initiatives.
- Maintain awareness of all current sales promotions.
- Maintain merchandise presentation. Ensure stock is well arranged and merchandised properly. Maintain cleanliness and organization of all areas within the store.
- Develop and maintain necessary product knowledge and fitting skills.
- Maintain an awareness of Loss Prevention concerns involving customers and staff members.
- Participate in physical inventories, assist in shipping and receiving merchandise and participate in merchandise placement on the sales floor when needed.
- When performing cashier functions all sales will be processed in accordance with existing policy and procedure. All shoes will be checked for mates.
- Process all sales and POS terminal transactions in accordance with policy and procedure.
- SR Sales Associates will have additional POS/Back Office responsibilities that include refunds/exchanges, processing S2H and Customer Pickup.
Principal Working Relationships
Customers, Sales Associates, Store Management and District/Regional Managers
Key Qualifications
Interpersonal skills necessary to deal effectively with external contacts (primarily customers) and with all levels of employees. Basic communication (both verbal and non-verbal), organization, and math skills. Experience in retail sales, preferably specialty retail or footwear. Basic knowledge of the policies and procedures. Basic visual merchandising skills and an understanding of the Store Presentation Standards.
Overview
We are seeking a detail-oriented and dependable Accounts Receivable Specialist to support invoicing, collections, and cash-flow operations in a project-driven, industrial environment. This role plays a key part in maintaining strong customer relationships and ensuring financial accuracy across equipment sales and field service work.
What You’ll Do
- Prepare, review, and issue customer invoices for products and services
- Track receivables, monitor aging reports, and support timely collections
- Communicate professionally with customers regarding payment status and discrepancies
- Work closely with project managers and leadership to resolve billing questions
- Post payments and reconcile accounts accurately
- Support month-end close activities and reporting
- Assist with audits and continuous process improvements
What We’re Looking For
- 2+ years of Accounts Receivable or accounting experience
- Strong attention to detail and follow-through
- Experience working in a fast-paced, deadline-driven environment
- ERP or accounting software experience (NetSuite a plus)
- Clear, professional communication skills
- Ability to work on-site and collaborate cross-functionally
Why This Role
- Stable, full-time position with a growing organization
- Opportunity to own the A/R function and work closely with leadership
- Competitive compensation and benefits
- On-site role with consistent schedule and team support
Benefits
- Competitive pay
- 401(k)
- Health, dental, and vision insurance
- Life insurance
- Paid time off
Responsible for scheduling body work to be performed.
Supervisory Responsibilities: This job has no direct supervisory responsibilities.
Essential Duties and Responsibilitiesinclude the following: Schedules appointments with customer.
Works with customer and Collision Center Technician to identify required repair work.
Offers additional services and repairs to customers.
Computes cost of replacement parts and labor to restore vehicle to condition specified by customer.
Enters itemized estimate on repair order and explains estimate to customer.
Meets Collision Center standards for repair/order production.
Maintains CSI at or above Company standards Maintains an organized, clean and safe work area Participates in required training Records all hours worked accurately in company timekeeping system Follows Safeguards rules and regulations.
Demonstrates the Company’s Core Values Complies with Company policies and procedures Observes all Federal, State, Local and Company safety rules and regulations in the performance of duties.
Other duties as assigned Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
The requirements listed below are representative of the knowledge, skill, and/or ability required.
Reasonable accommodations may be made to enable individuals with medical conditions to perform the essential functions.
Desired Education: o GED √ High School Diploma o Associate Degree o Bachelor Degree o Master Degree o Doctorate Degree Field of Study/Work Experience: o Accounting o Automotive o Business o Human Resources o Information Technology Desired Work Experience: o up to 3 years √ 3-5 years o 5+ years Education/Experience: Working knowledge of the body repair methods.
Strong interpersonal and persuasive selling skills.
Certificates and Licenses: √ Valid Driver’s License o Automobile Salesperson License Computer Skills: Intermediate knowledge of Microsoft Office products.
Ability and knowledge of Collision Center Management System and additional software programs to support operations.
Communication Skills: Ability to understand and follow instructions.
Ability to communicate effectively with customers, company personnel and insurance adjusters.
Attendance Expectations: The position requires regular and predictable attendance.
Scheduled shifts may include evening hours, weekends, and holidays.
Physical Demands: While performing the duties of this job, the employee is regularly required to talk or hear.
The employee is frequently required to stand, walk, and sit.
May be exposed to load noise, vibration, paint-dust, and other body repair shop conditions.
Environment Demands: Duties are generally performed in the Collision Center area.
Work includes inspection of customer vehicles and frequent movement around the body repair shop to convey information between customers and Collision Center Technicians.
Frequently interacts with customers, Collision Center Manager, Collision Center Technicians, and Company personnel.
Verbal and Writing Ability: Ability to read and comprehend instructions, correspondence, and memos.
Ability to effectively present information in one-on-one and small group situations to customers and other employees.
Math Ability: Ability to add, subtract, multiply and divide.
Reasoning Ability: Ability to apply common sense understanding to carry out instructions.
Ability to deal with standardized situations.
Ability to understand and follow technical manuals.
Core Values: To perform the job successfully, an individual should demonstrate the following Core Values: Servant Leadership Servant Leaders consciously put the needs of others before their own, because to serve people is to value them.
Teamwork through Trust & Respect Diversity is strength, and when we trust and respect one another we can work as a team to achieve at a high level.
Integrity Being honest and transparent with people, in an effort to do the right thing within the letter and spirit of the law, drives every action we take and every decision we make.
Commitment to Customer Enthusiasm Every day we recommit ourselves to the customer experience, and we are empowered to exceed the expectations of our customers.
Passion for Winning Hendrick’s tradition of winning is based on the idea of striving to be the best, not the biggest, and is therefore defined by how we treat our people.
Accountability at All Levels Taking ownership of our actions and our decisions allows us to grow as individuals, and support each other as a team.
Commitment to Continuous Improvement Every day we soften our hearts as well as our egos, in order to seek out and improve upon areas of opportunity within ourselves and our team.
This job description in no way states or implies that these are the only duties and responsibilities to be performed by this employee.
The employee will be required to follow any other instructions and to perform any other duties and responsibilities upon the request of a supervisor.
This job description is subject to revision at the discretion of the company.
Hendrick is an Equal Opportunity employer.
Minorities, women, veterans, and individuals with disabilities are encouraged to apply.
For more information regarding the EEOC, please visit .
Supervisory Responsibilities: This job has no direct supervisory responsibilities.
Essential Duties and Responsibilitiesinclude the following: Examines body damage on customer vehicles Identifies necessary body repair work Estimates cost of body work Requests necessary parts Performs body repairs including removing damaged body parts and replacing with fixed or new parts Documents repairs performed Performs body repairs efficiently and according to Collision Center and insurance company guidelines Maintains CSI at or above Company standards Maintains an organized, clean and safe work area Participates in required training Records all hours worked accurately in company timekeeping system Follows Safeguards rules and regulations.
Demonstrates the Company’s Core Values Complies with Company policies and procedures Observes all Federal, State, Local and Company safety rules and regulations in the performance of duties.
Other duties as assigned Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
The requirements listed below are representative of the knowledge, skill, and/or ability required.
Reasonable accommodations may be made to enable individuals with medical conditions to perform the essential functions.
Desired Education: o GED √ High School Diploma o Associate Degree o Bachelor Degree o Master Degree o Doctorate Degree Field of Study/Work Experience: o Accounting √ Automotive o Business o Human Resources o Information Technology Desired Work Experience: o up to 3 years o 3-5 years √ 5+ years Education/Experience: Demonstrable knowledge of body repair methods.
Collision Center repair training or commensurate experience.
Ability to operate equipment necessary to perform Collision Center repair functions.
Certificates and Licenses: √ Valid Driver’s License o Automobile Salesperson License Computer Skills: Basic Computer skills to utilize timekeeping system.
Ability to learn parts department computer inventory and ordering system.
Communication Skills: Ability to understand and follow instructions.
Ability to communicate effectively with customers and company personnel.
Attendance Expectations: The position requires regular and predictable attendance.
Scheduled shifts may include evening hours, weekends, and holidays.
Physical Demands: Must be able to lift up to 80 pounds.
While performing the duties of this job, the employee is regularly required to hear and talk; stand; walk; use hands to finger, handle, or feel; reach with hands and arms and stoop, kneel, crouch, or crawl.
Must pass OSHA respiratory medical exam.
Environment Demands: Duties are performed primarily in the Collision Center.
Work includes movement of vehicle body parts, working in various physical positions, and the safe operation of power tools and test equipment.
May be exposed to loud noise, vibration, exhaust fumes, paint-dust, and other collision center conditions.
Frequently interacts with customers, Estimators, and Collision Center management.
Verbal and Writing Ability: Ability to read and comprehend instructions, correspondence, and memos.
Ability to effectively present information in one-on-one and small group situations to customers and other employees.
Math Ability: Ability to add, subtract, multiply and divide.
Reasoning Ability: Ability to apply common sense understanding to carry out instructions.
Ability to deal with standardized situations.
Ability to understand and follow technical manuals.
Core Values: To perform the job successfully, an individual should demonstrate the following Core Values: Servant Leadership Servant Leaders consciously put the needs of others before their own, because to serve people is to value them.
Teamwork through Trust & Respect Diversity is strength, and when we trust and respect one another we can work as a team to achieve at a high level.
Integrity Being honest and transparent with people, in an effort to do the right thing within the letter and spirit of the law, drives every action we take and every decision we make.
Commitment to Customer Enthusiasm Every day we recommit ourselves to the customer experience, and we are empowered to exceed the expectations of our customers.
Passion for Winning Hendrick’s tradition of winning is based on the idea of striving to be the best, not the biggest, and is therefore defined by how we treat our people.
Accountability at All Levels Taking ownership of our actions and our decisions allows us to grow as individuals, and support each other as a team.
Commitment to Continuous Improvement Every day we soften our hearts as well as our egos, in order to seek out and improve upon areas of opportunity within ourselves and our team.
This job description in no way states or implies that these are the only duties and responsibilities to be performed by this employee.
The employee will be required to follow any other instructions and to perform any other duties and responsibilities upon the request of a supervisor.
This job description is subject to revision at the discretion of the company.
Hendrick is an Equal Opportunity employer.
Minorities, women, veterans, and individuals with disabilities are encouraged to apply.
For more information regarding the EEOC, please visit .
The Porter will perform various tasks and errands for the dealership.
Supervisory Responsibilities: This job has no direct supervisory responsibilities.
Essential Duties and Responsibilitiesinclude the following: Moves cars.
Delivers cars to customers.
Keeps car lot clean and orderly.
Runs various errands for the dealership.
Maintains CSI at or above Company standards Maintains an organized, clean and safe work area Participates in required training Records all hours worked accurately in company timekeeping system Follows Safeguards rules and regulations.
Demonstrates the Company’s Core Values Complies with Company policies and procedures Observes all Federal, State, Local and Company safety rules and regulations in the performance of duties.
Other duties as assigned Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
The requirements listed below are representative of the knowledge, skill, and/or ability required.
Reasonable accommodations may be made to enable individuals with medical conditions to perform the essential functions.
Desired Education: o GED √ High School Diploma o Associate Degree o Bachelor Degree o Master Degree o Doctorate Degree Field of Study/Work Experience: o Accounting √ Automotive o Business o Human Resources o Information Technology Desired Work Experience: √ up to 3 years o 3-5 years o 5+ years Education/Experience: Previous work experience desired.
Certificates and Licenses: √ Valid Driver’s License o Automobile Salesperson License Computer Skills: Basic Computer skills to utilize timekeeping system.
Communication Skills: Ability to understand and follow instructions.
Ability to communicate effectively with customers and company personnel.
Attendance Expectations: The position requires regular and predictable attendance.
Scheduled shifts may include evening hours, weekends, and holidays.
Physical Demands: Must be able to lift up to (50) pounds.
Work includes frequent movement around the dealership facilities and the outdoor car lot and movement in and out of cars.
While performing the duties of this job, the employee is regularly required to talk or hear.
The employee is frequently required to stand; walk; and sit.
Environment Demands: Duties are performed throughout the dealership, both indoors and outdoors and off dealership premises.
Due to the nature of the position, may be exposed to various work environments and required to perform a range of tasks.
Regularly interacts with employees from various departments in the dealership and has some contact with customers.
Verbal and Writing Ability: Ability to read and comprehend instructions, correspondence, and memos.
Math Ability: Ability to add, subtract, multiply and divide.
Reasoning Ability: Ability to apply common sense understanding to carry out instructions.
Ability to deal with standardized situations.
Core Values: To perform the job successfully, an individual should demonstrate the following Core Values: Servant Leadership Servant Leaders consciously put the needs of others before their own, because to serve people is to value them.
Teamwork through Trust & Respect Diversity is strength, and when we trust and respect one another we can work as a team to achieve at a high level.
Integrity Being honest and transparent with people, in an effort to do the right thing within the letter and spirit of the law, drives every action we take and every decision we make.
Commitment to Customer Enthusiasm Every day we recommit ourselves to the customer experience, and we are empowered to exceed the expectations of our customers.
Passion for Winning Hendrick’s tradition of winning is based on the idea of striving to be the best, not the biggest, and is therefore defined by how we treat our people.
Accountability at All Levels Taking ownership of our actions and our decisions allows us to grow as individuals, and support each other as a team.
Commitment to Continuous Improvement Every day we soften our hearts as well as our egos, in order to seek out and improve upon areas of opportunity within ourselves and our team.
This job description in no way states or implies that these are the only duties and responsibilities to be performed by this employee.
The employee will be required to follow any other instructions and to perform any other duties and responsibilities upon the request of a supervisor.
This job description is subject to revision at the discretion of the company.
Hendrick is an Equal Opportunity employer.
Minorities, women, veterans, and individuals with disabilities are encouraged to apply.
For more information regarding the EEOC, please visit .
The Home Depot Pro Customer Service/Sales Team is dedicated to delivering an exceptional experience for professional customers, including contractors, property owners, and commercial clients. The team supports every stage of the Pro customer journey, from efficient order fulfillment and safe loading to expert product recommendations and tailored delivery solutions. Pro Customer Service/Sales Team members build and maintain professional relationships with Pro customers, proactively drive sales by leveraging product knowledge, loyalty programs, and tailored recommendations, while providing outstanding service based on unique project needs. Pro Customer Service/Sales Team members are expected to meet monthly sales goals and other metrics to drive sales in the store. Whether assisting at the Pro Desk, loading materials, managing deliveries, or offering specialized paint and product knowledge, the team helps ensure every Pro customer's project is a success. Collaboration is key, with team members working together to maintain a clean, organized, and safe environment, resolve delivery issues, and communicate Home Depot's advantages over competitors. The Pro Customer Service/Sales Team supports store goals by monitoring inventory, executing sales initiatives, and upholding the highest standards of customer service and safety. Bilingual communications skills may be preferred at certain locations; specific language varies based on customer need.
Location: PELHAM, AL
Auto req ID: 155482BR
Job Type: Pro Customer Service/Sales
Requisition ID: 300043893
Are you a relationship driven sales professional who thrives on turning opportunities into wins? Do you want to be part of a global company that’s redefining vertical transportation? If so, we may have the opportunity for you.
We’re looking for a Technical Sales Representative to join our client's growing team in Birmingham. In this role, you'll be at the forefront of helping clients modernize their elevator systems —bringing safety, performance, and innovation to buildings across the region.
What You’ll Do:
You’ll take the lead in driving hydraulic modernization business—selling pre-engineered products, securing contracts, strengthening client relationships, and helping buildings move smarter and smoother.
- Be a Trusted Advisor: Build and maintain strong relationships with new and existing clients. Help them see the value of upgrading their hydraulic systems through thoughtful consultation.
- Own the Sales Process: From prospecting and presenting bids to contract execution and customer follow-up, you’ll manage deals from start to finish.
- Grow the Business: Identify leads, schedule calls, and convert opportunities using proven sales strategies and marketing tools.
- Collaborate & Deliver: Work hand-in-hand with operations teams, visit job sites, ensure timelines are met, and maintain top-notch communication throughout.
- Manage Projects: Take ownership of sales process through installation including coordinating submittals, creating requested change orders, and ensuring client satisfaction and deadlines are met.
- Stay Sharp: Keep up with elevator codes, product updates, pricing, and the latest from suppliers to always offer the best solutions.
What You Bring to the Team:
- Bachelor's degree and at least 1+ year of B2B sales experience (or 3+ years of elevator sales experience in lieu of degree)
- A self-starter mindset with attention to detail and strong follow-up habits
- The ability to thrive in fast-paced environments and juggle multiple priorities
- Excellent communication and relationship-building skills
- Confidence presenting to clients and leading meetings
- Bonus points for Salesforce experience and the ability to read blueprints or architectural drawings
Location:
Pelham – Local travel required to client sites and projects.
Ready to take your sales career to new heights? Apply today and help shape the future of vertical transportation.
Multiple Openings Available | Entry-Level Sales Support Specialist
On-site | Full-Time | $17–$20/hr | No Experience Required (Training Provided)
GoldLeaf Print & Packaging is growing, and we’re hiring two Entry-Level Sales Support Specialists to join our team. These roles support our salespeople and project managers by helping create, enter, and process customer orders — keeping workflows organized and moving forward.
This is a great opportunity for dependable, detail-oriented individuals who are eager to learn. No prior experience required — we provide full training.
What You’ll Do
- Work alongside sales representatives and other support team members to create and enter orders
- Assist with daily order processing and routine sales support tasks
- Provide administrative and order-related support to Project Managers
- Communicate with vendors and internal teams as needed
- Review orders and requests for accuracy and completeness
- Help with fulfillment, mailing projects, and overflow work
- Keep workflows moving so the team can focus on larger client initiatives
What We’re Looking For
- Strong attention to detail and a willingness to learn
- Reliable, organized, and able to follow through on tasks
- Comfortable working from a daily task list
- Clear communicator and collaborative team player
- No experience required — training provided
Why You’ll Like Working Here
- Supportive, team-focused work environment
- Hands-on training with clear, repeatable processes
- Opportunity to learn the print and packaging industry
- Stable, full-time, on-site role with room to grow
If you’re looking for an entry-level position where you can learn new skills, stay organized, and be a key part of a growing team, we’d love to hear from you.
Apply through LinkedIn or message us to learn more.
Job Title:General Manager
Location:Café Location
Reports To:District Manager
Department of Labor Classification: Salary Exempt
Work Week: 50 – 55+ hours per week (flexible hours). Must be willing to work starting at 5am OR until midnight if necessary (depends on Café hours).
Our Culture is much more than a page on a website or an inspirational poster on a wall. To us, our culture is who we truly are and what we love to do. We use it to make every decision in our company. We encourage our team to live by it and hold each other accountable to it. We base hiring, promotions, team member reviews, performance and communication off of it.
Our Culture consists of the 4 Core Values mentioned and we use them every day. Walk into any of our cafes and you will see them prominently displayed. We believe our culture is one trait that sets DYNE Hospitality Group apart from the rest.
- Invest In People
- Understand Why
- Make Smart Decisions
- Make It Happen
DYNE Hospitality Group offers competitive wages, benefits, and long-term career growth.
Job Summary:
The primary focus of this position is to inspire a healthy lifestyle by serving amazing food and smoothies with a bit of tropical fun! The most critical part of the job is leading and developing your team while delivering unparalleled hospitality at all times. You must drive sales while managing expenses such as food and labor cost and recruit strong and qualified crew members, crew leaders, and an Assistant Manager. The Café Manager is ultimately responsible for the day-to-day operations of the Café, maintaining high standards and conditions, fostering a positive environment, and providing fast and friendly service. You are expected to manage and work in the café at times.
Duties/Responsibilities:
- Proven track record of developing people that were promoted under your leadership
- Knowledgeable and proficient in every position and willing to work in position when needed
- Recruits, interviews, hires and trains new Crew Members to ensure the café remains staffed at the appropriate level
- Able to “drive” the shift, keeping crew members on task by providing daily goals and clear direction
- Maintain employee schedule and be ready to fill in when needed
- Trains and coaches Crew Members/Crew Leaders during each shift to ensure brand standards are upheld.
- Manages and delegates daily functions of the café, including product preparation, making quality food and smoothies, serving customers, and completing daily and weekly cleaning duties
- Ensures that safe sanitation practices are being used in handling and preparing food in the kitchen
- Conducts food inventory weekly and is able to review inventory reports and identify issues.
- Manages all ordering and inventory processes, and reconciles invoices for all products
- Hits sales goals, manages labor, and controls inventory using the Micros MyInventory program
- Accountable for cash management through the daily safe count, counting cash drawers on every shift change, and explaining and finding cash shortages
- Responsible for correcting and submitting payroll hours by the bi-weekly deadline to ensure all crew members are paid appropriately
- Performs any additional tasks necessary to operate the café
- Attends weekly conference calls and additional training sessions as needed, as well as area meetings
- Reviews & understands Profit & Loss statements
- Expect to work a varied schedule, including weekends, holidays, late evenings and early mornings.
Required Skills/Abilities:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
- Excellent verbal and written communication skills
- Excellent management and supervisory skills.
- Current valid driver’s license and proof of insurance
- Strong working knowledge of Excel and Word, and ability to learn to use other computer software programs
- Must have strong mathematical, analytical and problem solving skills
- Must be able to read, understand and follow instructions
Phyical Requirements :
- Frequent walking, standing, bending, stopping, overhead reachcing, and stretching.
- Lifting no greater than 50 pounds.
Education and Experience:
- High school diploma
- Two or more years of restaurant experience, including progressive supervisory experience.
The above statements are intended to describe the general nature and level of work being performed by people assigned to this role. They are not to be construed, as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.
PI280bbc78d61
This position is an exciting, 100% fully remote Life Insurance Agent role for individuals seeking a flexible and rewarding career that can be done from the comfort of their own home.
We are looking for a self-motivated, results-driven sales professional to engage with potential customers and provide tailored life insurance solutions that meet their needs. In this role, you will have the independence to manage your schedule, with access to daily training and support from some of the top producers in the company.
Key Responsibilities:
- Lead Generation & Prospecting: Leverage our exclusive platform to connect with individuals who have shown interest in our life insurance products, allowing you to focus on engaging and serving your clients.
- Client Engagement: Present and promote life insurance solutions by conducting thorough needs assessments, helping clients make informed decisions that align with their financial goals and insurance requirements.
- Relationship Building: Develop and nurture long-term relationships with clients through regular follow-ups and ongoing support, ensuring customer satisfaction and retention.
- Training & Development: Participate in live, company-wide coaching sessions and gain hands-on experience from top-performing virtual sales reps, accelerating your learning and growth.
- Sales Tracking: Utilize advanced tools to maintain accurate records of sales, client interactions, and progress toward individual goals.
- Compliance: Ensure all activities comply with regulatory standards and company policies, safeguarding client information and upholding ethical practices.
Qualifications:
- Highly motivated with a goal-oriented mindset and the ability to work independently.
- Strong communication and interpersonal skills to establish trust and rapport with clients.
- Excellent time management, organizational, and prioritization skills.
- Ability to offer solutions that address client concerns and fit within their budget.
- Ability to build lasting relationships and a willingness to receive constructive feedback.
- Previous industry experience is a plus but not required.
- Must be willing to obtain a life insurance license (training and support will be provided).
Benefits:
- Competitive compensation, including one of the most attractive commission and bonus structures in the industry.
- Comprehensive training through live sessions, online resources, and mentorship from top producers.
- A supportive and dynamic work environment focused on professional development.
- Opportunities for career growth, including the ability to build and lead your own team.
Compensation:
- Earnings are based on the average performance in current markets.
- Monthly performance-based bonuses.
- Residual income paid on the anniversary of each client’s policy.
Join our team today and start your path toward a fulfilling and flexible career in life insurance!
