Visit idealcu.com for details and directions. Ideal has been voted "Best Credit Union in the East Metro" five years in a row by readers of the Stillwater Gazette, "Best Credit Union in the ...Ideal Credit Union offers online banking tools to manage your accounts, transfer funds, pay bills and deposit checks. Enroll now and access Ideal Digital Banking from any device.Transfer money between accounts at Ideal CU and accounts at other financials. With Ideal Digital Banking, your money can move as fast as you do. One-time transfers. Move your money where it needs to be quickly online or with the mobile app; Use the Quick Transfer feature online for a sleek ATM-style experience; Scheduled transfersThe right insurance can help give you peace of mind. Backed by more than 80 years of working with credit unions and their members, you can count on TruStage to help protect what matters most. Trust us for all your insurance needs, including life, health, car and home, accidental death and dismemberment coverage and more.Microsoft Word - Document3. Please copy the code below into the text box below the disclosure.Ideal CU offers a complete range of services, including a full suite of digital banking products, savings, checking, loans, mortgage products, business services, investment services and more. Offices are located in Eagan, Hugo, Inver Grove Heights, North St. Paul, Stillwater and Woodbury. Visit idealcu.com for details and directions.(Woodbury, MN - July 5, 2018) Ideal Credit Union has been named one of the Top 150 Workplaces in Minnesota by the Minneapolis Star Tribune. Top Workplaces recognizes the most progressive companies in Minnesota based on employee opinions measuring engagement, organizational health and satisfaction. The rankings in the Star Tribune Top 150 Workplaces...Contact the credit union at (651) 770-7000. Checking Accounts (Share Draft) - Manage your daily finances with convenient checking accounts. According to the NCUA Ideal Credit Union has 27,737 checking accounts held by members. Free Share Drafts / Free Checking - Benefit from free share drafts with special checking account services.idealcu.com. Phone number (800) 247-0857. Get Directions. 3225 Denmark Ave Eagan, MN 55121. Suggest an edit. You Might Also Consider. Sponsored. Secure Tax Services. 6.2 miles. Local own operator read more. Nick Fairbanks at Guaranteed Rate Affinity. 12.4 miles.Jennifer Westby contact details: Email address: j***@idealcu.com Phone number: (651) ***-**** Who is Jennifer Westby? Jennifer Westby is a Senior Recruiting& Human Resource Specialist at Ideal Credit Union based in Woodbury, Minnesota....She has been an employee for Ideal CU for more than 20 years. Her key role is to connect with members in the community about Ideal CU through different platforms. Some of Geneva's hobbies include finding recipes on Pinterest and testing them out for her family, watching her three children play ALL the sports, and of course binge watching her ...She has been an employee for Ideal CU for more than 20 years. Her key role is to connect with members in the community about Ideal CU through different platforms. Some of Geneva's hobbies include finding recipes on Pinterest and testing them out for her family, watching her three children play ALL the sports, and of course binge watching her ...Ideal CU has operated a student-run branch at Tartan High School in Oakdale, MN, since January 2013. Located in the DECA school store, the Ideal CU Student Credit Union is an innovative approach in business education, teaching students the basic principles and practices of the financial services industry. The "Money Talks" educational ...Ideal CU has held this popular holiday promotion since 2012 and has given away $20,000 to 20 lucky members. To qualify, members with an Ideal CU personal checking account simply use their Ideal CU Debit MasterCard® or My Rewards™ Gold or Platinum Debit Card for purchases and earn a chance to win one of Ideal CU's four weekly $1,000 random ...Here’s what you need to know about skip-a-payment: How skip-a-payment works. Depending on the credit union, skip-a-payment is available to qualifying members year-round or during select times of the year. The program is generally only allowed for loans with terms that are 12 months or longer, have been open at least nine months, and have …We would like to show you a description here but the site won't allow us.Get plugged into Ideal CU news and download the Dollars & Sense newsletters: Winter 2013 - 2014 Summer/Fall 2013 Spring 2013 Winter 2012 - 2013 FaWhat Are Cookies? Cookies are small files downloaded to your device to improve your online experience. Ideal Credit Union may collect information about your device including but not limited to your IP address, location, browser type and operating system so a website can recognize you are a returning visitor.She has been an employee for Ideal CU for more than 20 years. Her key role is to connect with members in the community about Ideal CU through different platforms. Some of Geneva's hobbies include finding recipes on Pinterest and testing them out for her family, watching her three children play ALL the sports, and of course binge watching her ...Ideal Credit Union features business member Omar Yarborough, owner of The Truth Tattoos. Visit www.idealcu.com/business-banking/business-member-spotlight to ...She has been an employee for Ideal CU for more than 20 years. Her key role is to connect with members in the community about Ideal CU through different platforms. Some of Geneva's hobbies include finding recipes on Pinterest and testing them out for her family, watching her three children play ALL the sports, and of course binge watching her ...Ideal CU partnered with Alkami Technology based in Plano, Texas, to provide its more than 52,000 members with an innovative, omni-channel digital banking experience that is seamless, consistent and user-friendly across all devices. Ideal currently has over 30,000 active online and mobile banking users. In just the first week, more than 16,100 ...Get more information for Ideal Credit Union in Saint Paul, MN. See reviews, map, get the address, and find directions.Jane Hennen. Thursday, Jul 29th, 2021. 1166 Hits. (Woodbury, MN – July 30, 2021) Ideal Credit Union has announced the promotion of Jane Hennen to Vice President of Marketing. Hennen joined the Ideal team in 2010 as a Database Marketing Specialist, and was quickly promoted to Director of Marketing in September of 2012. For general inquiries or assistance, please call us at 651-770-7000 during business hours. For detailed location information, including branch addresses and hours, visit our Location & ATMs page. Also see our Holiday Hours for details regarding upcoming branch holiday closures. Ways to Connect During Business Hours: idealcu.com. Phone number (800) 247-0857. Get Directions. 2401 N. McKnight Rd North St. Paul, MN 55109. Suggest an edit. You Might Also Consider. Sponsored. Liberty Financial Consulting. 4.9 miles. LFC provides QuickBooks services such as set-up, troubleshooting, and training ...idealcu.com. Phone number (800) 247-0857. Get Directions. 3225 Denmark Ave Eagan, MN 55121. Suggest an edit. You Might Also Consider. Sponsored. Secure Tax Services. 6.2 miles. Local own operator read more. Nick Fairbanks at Guaranteed Rate Affinity. 12.4 miles.She has been an employee for Ideal CU for more than 20 years. Her key role is to connect with members in the community about Ideal CU through different platforms. Some of Geneva's hobbies include finding recipes on Pinterest and testing them out for her family, watching her three children play ALL the sports, and of course binge watching her ...We'll give you points for simply using your My Rewards ® Gold or Platinum Debit Card to purchase merchandise or services. Then, redeem your points and receive great rewards. Earn points for Everyday Purchases. Cash Back when Shopping Online. Extended Warranty. Short-Term Loans**. Local Discounts and Coupons. Convenient My Rewards™ App.Check by Phone: $12.00. Avoid a late charge and make a next-day loan payment. Submit your request before 3:00 p.m. CST to ensure your payment will be processed the following business day. Call Ideal CU's Contact Center during normal business hours 651-770-7000 or toll-free at 1-800-247-0857.Ideal CU offers a complete range of services, including a full suite of digital banking products, savings, checking, loans, mortgage products, business services, investment services and more. Offices are located in Eagan, Hugo, Inver Grove Heights, North St. Paul, Stillwater and Woodbury. Visit idealcu.com for details and directions. Ideal has ...She has been an employee for Ideal CU for more than 20 years. Her key role is to connect with members in the community about Ideal CU through different platforms. Some of Geneva's hobbies include finding recipes on Pinterest and testing them out for her family, watching her three children play ALL the sports, and of course binge watching her ...Every debit card transaction is also an opportunity to save – with RoundUp every time you purchase a cup of coffee, gas, or groceries and pay with your debit card, you save. For example: Coffee: $1.79 = RoundUp savings of $0.21. Gas: $38.27 = RoundUp savings of $0.73. Groceries: $68.32 = RoundUp savings of $0.68.Complete information on the Ideal CU Community Appreciation event and official rules can be found at www.idealcu.com. Founded in 1926, Ideal Credit Union is a member owned financial institution that specializes in providing excellent member service, great rates and convenience to 50,000 members.EARLY ARM DISCLOSURE STATEMENT IDEAL CREDIT UNION 8499 Tamarack Rd Woodbury, MN 55125 IMPORTANT LOAN INFORMATION - PLEASE READ CAREFULLY. The interest rate change on this ARM will be based on an interest rate index (referred to in this disclosureEspecially for young adults preparing for financial independence, understanding the basics of personal finance is the bedrock of long-term prosperity. It begins with setting realistic goals, whether saving for college, planning for a major purchase or simply ensuring financial stability. But regardless of the goal, making a plan is the first ... The Twister ® AL/CU Wire Connector is the only UL Listed aluminum-to-copper twist-on connector that prevents aluminum oxidation while providing a secure connection. Filled with an anti-oxidant compound, the Twister ® AL/CU easily twists on with swept-wings making a comfortable connection with improved conductivity and cooler connections. The ... Personal Loan Options. It's your ideal life — we're here to help you live it. Browse our personal loan options and select the one that fits your goals best. Then simply apply online to get started.IDEAL CU will send the Cardholder a monthly statement. Cardholder must pay each month a minimum of the greater of (a) 2% of the outstanding balance shown on the monthly statement each month (excluding disputed charges), or (b) $25.00; however, if the balance is less than $25.00, the minimum (a.)monthly payment will equal the balance ...Losing your debit or credit card can be frustrating. Don't worry, we're here to help. If your card is lost or stolen, notify Ideal CU immediately. In the case of a stolen card, notify the police department as well. For Ideal Credit Union Debit Cards. Call us at 651-770-7000. Select the debit card prompt. An agent can assist with:Because the Ideal CU Community Foundation is a 501 (c) (3), your donations are tax deductible. Your support will help the Ideal CU Community Foundation carry on our mission and we THANK YOU for your generosity. Ideal CU Community Foundation. 8499 Tamarack Road. Woodbury MN 55125.She has been an employee for Ideal CU for more than 20 years. Her key role is to connect with members in the community about Ideal CU through different platforms. Some of Geneva's hobbies include finding recipes on Pinterest and testing them out for her family, watching her three children play ALL the sports, and of course binge watching her ...Ideal Credit Union is pleased to be ranked #1 Best-In-State Credit Union in Minnesota by the 2023 ranking by Forbes and was recognized as a 2023 Best Places to Work honoree by the Minneapolis - St. Paul Business Journal. Ideal CU continues to grow larger each year and currently has six offices located in Eagan, Hugo, Inver Grove Heights ... Stop in to any Ideal CU location or call us at 651-770-7000 to enroll in Business Online Banking. If you need additional assistance, please contact Business Services at 651-747-8900 or email us [email protected]. For more information, call Business Services at 651-747-8900 or email [email protected]. Location of This Business. 8499 Tamarack Rd, Woodbury, MN 55125-9201. BBB File Opened: 10/4/1993. Years in Business: 97. Business Started: 8/1/1926. Business Started Locally:We would like to show you a description here but the site won't allow us.Visit idealcu.com for details and directions. Ideal has been voted "Best Credit Union in the Stillwater/Oak Park Heights" several years in a row by readers of the Stillwater Gazette, "Best Credit Union in the Forest Lake Area" by readers of the Forest Lake Times, and was named a 2021 Star Tribune Top Workplace.At Ideal CU, discover a diverse range of financial services tailored to meet your personal and business needs. Ideal provides effective solutions to help you manage your …The average rates on credit union CDs ranged between 1.81% APY and 3.20% APY, depending on the term, compared to bank CD rates, which ranged from 1.33% APY to 1.86% APY. At the same time, credit ...Mar 30, 2024 · Example of payment, pay $44.43 per month per $1,000 borrowed for 24 months at 6.24% APR. Rates are subject to change at any time. **Actual rates based on applicant's payment and credit history. To be eligible for an 84 month term, vehicle must be 2020 or newer and minimum loan amount must be $30,000. LTV restrictions may apply. Ideal Credit Union offers online banking tools to manage your accounts, transfer funds, pay bills and deposit checks. Enroll now and access Ideal Digital Banking from any device.Visit idealcu.com for details and directions. Ideal has been voted "Best Credit Union in the East Metro" five years in a row by readers of the Stillwater Gazette, "Best Credit Union in the Forest Lake Area" by readers of the Forest Lake Times, and was named a 2021 Star Tribune Top Workplace. Federally insured by NCUA.(Woodbury, MN - June 11, 2019) Ideal Credit Union has launched a new Community Heroes Mortgage Program that offers eligible heroes a special 1% down payment option on a mortgage as a "thank you" for the good they do for our country and community. Ideal Rates. Ideal Credit Union is dedicated to helping you make the most of your hard-earned money. As a not-for-profit financial institution, we understand the value of your finances and strive to provide competitive deposit and loan rates that work in your favor. Whether you're looking for credit cards, l oans or seeking higher returns on ... All Ideal Debit Cards come with secure EMV-Chip Technology and built-in fraud protection. If your card is ever lost or stolen, you're protected with Zero Liability* meaning you won't be held liable for unauthorized purchases.1. Un circuit serie RLC de curent alternativ conține un rezistor ideal cu rezistența 60 Ω, o bobină ideală cu inductanța 1/π H și un condensator ideal cu capacitatea 1/4800π F. Tensiunea de alimentare este 110 V și frecvența de 60 Hz. Află: a) Impedanța circuitului b) Intensitatea curentului c) Defazajul între curent și tensiune.Helping You Pursue Your Financial Goals. Ideal Wealth Advisors have always been committed to providing access to products and services that bring Ideal Credit Union members closer to living their Ideal Life. We believe the Ideal Wealth Advisors do just that by offering retirement, insurance and investment services that can help you pursue your ... Write "FOR MCD ONLY IDEAL CU" in all capital letters below your endorsement line. Endorse the check with your signature. Any checks submitted that do not meet these requirements may be rejected. Funds are typically available in 1-2 business days. Check deposits may be subject to further hold according to our Funds Availability Policy. This product is helpful for borrowers with equity in their home. It offers both fixed and adjustable rate mortgage options. Maximum loan amount $515,200. Finance up to 97.75% of homes value. Flexible credit requirements. Single Family Home, 2-4 units, Condominium, and Townhome. Primary residence occupancies acceptable.idealCircuit uses a unique simulation algorithm, which provides fast and reliable simulation with true ideal components. The algorithm is not distracted by convergence problems, inherent to most of SPICE-based simulators. idealCircuit can be used by student and novices for studying electronics theory. Professionals can perform fast evaluation ...NEW YORK, Aug. 17, 2021 /PRNewswire/ -- Glia, a leading provider of Digital Customer Service, today announced that Ideal Credit Union has successfully implemented its communications and collaboration platform as part of its digital transformation.As a result, the credit union is saving time, cutting costs and providing stronger member service.Business High Yield Money Market 4.00% APY * Special. Put your money into an account that gives you easy access, higher interest and investment security. With this special you'll earn a guaranteed rate through to the end of the year on balances of $25,000 or higher. $25,000 of that balance is required to come from outside a currently held Ideal CU account.3 days ago · Fast track card ship fee $40. Convenience Check Stop Payment fee $35. 2. Ideal CU Gold non-variable APR (Annual Percentage Rate) ranges from 9.90% - 15.90% dependent on creditworthiness. No annual fee. Foreign Transaction fees are 1% of each transaction in U.S. Dollars. Fast track card ship fee $40. What Are Cookies? Cookies are small files downloaded to your device to improve your online experience. Ideal Credit Union may collect information about your device including but not limited to your IP address, location, browser type and operating system so a website can recognize you are a returning visitor. Call us at 651-747-4663 or make an appointment today. You can also apply online. Start and end your home search at Ideal Credit Union Ideal Mortgage is excited to bring you HomeAdvantage, an exclusive, free member service that can help.Ideal CU gave members an extra chance to win $1,000, with one drawing each week! Members are automatically entered with every purchase made using their Ideal Debit or My Rewards™ Debit Card. Our monthly Use & Win debit card . promotion began in January of 2017, and to . date, Ideal CU has given away $48,000 to 48 lucky members chosen by ...3 days ago · At Ideal CU, discover a diverse range of financial services tailored to meet your personal and business needs. Ideal provides effective solutions to help you manage your finances with ease. High-yield Checking and Savings Accounts; Flexible Auto Loans and Mortgage Options; Expert Investment and Retirement Planning; Find a Branch Read Reviews Transfer money between accounts at Ideal CU and accounts at other financials. With Ideal Digital Banking, your money can move as fast as you do. One-time transfers. Move your …Anyone can become a member of Ideal Credit Union. Meet one of the two criteria below to be eligible: Live, work, worship, attend school or volunteer in Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Pierce, Ramsey, Saint Croix, Scott, Sherburne, Washington or Wright counties. OR make a one-time $5.00 donation to the John D. Miller Foundation. Ideal CU offers four types of checking accounts with different features and benefits. You can earn interest, cashback, rewards, overdraft protection and access to a large ATM network with your Ideal CU Mastercard debit card. Download Ideal CU Mobile and enjoy it on your iPhone, iPad, and iPod touch. Ideal Credit Union's mobile banking app is a must-have for our members and built for secure and convenient access. Manage your money 24/7: • Login with TouchID, set up balance peek to check balances without logging in • Check balances, transfer funds, make ...Right now, Ideal Credit Union is offering rates up to 1.31% APY. OUR CURRENT TOP PROMOTIONS. Chase Business Complete Checking® $300 Bonus. Axos Bank Business Interest Checking $400 Bonus. BMO Smart Advantage Checking $250 Bonus. BMO Relationship Checking $400 Bonus. Huntington Unlimited Plus Business Checking $1,000 Bonus.Ideal CU is offering certificate specials on New Money Certificate Deposits. Grow your money faster and continue living your ideal life. For existing members to qualify for the certificate specials, they must deposit a minimum of $500 from another financial institution to fund the certificate.Ideal CU offers a complete range of services, including a full suite of digital banking products, savings, checking, loans, mortgage products, business services, investment services and more. Offices are located in Eagan, Hugo, Inver Grove Heights, North St. Paul, Stillwater and Woodbury. Visit idealcu.com for details and directions.Recreational Vehicle Loans. Part of the ideal life is living it to the fullest. We're here to help you do just that. Ideal Credit Union offers low rates on recreational vehicle loans including motorcycles, ATVs, boats & other marine vehicles, snowmobiles and RVs. As always, our top priority is getting you as close to your affordable payment as ...She has been an employee for Ideal CU for more than 20 years. Her key role is to connect with members in the community about Ideal CU through different platforms. Some of Geneva's hobbies include finding recipes on Pinterest and testing them out for her family, watching her three children play ALL the sports, and of course binge watching her ...Malware scams, also known as tech support scams, begin as a seemingly innocent phone call. As described, a scammer reaches out to an individual and informs them that their computer or another device has been hacked. The caller will claim that the alleged hacker has gained access to the victim's computer and can now do all kinds of damage.Ideal CU has run this popular holiday promotion since 2012 and has given away $16,000 to lucky members. The $1,000 Debit Card Giveaway runs from November 23 - December 20, 2016. No purchase is necessary and there is no cost to participate. For official rules and disclosure information, visit www.idealcu.com.She has been an employee for Ideal CU for more than 20 years. Her key role is to connect with members in the community about Ideal CU through different platforms. Some of Geneva's hobbies include finding recipes on Pinterest and testing them out for her family, watching her three children play ALL the sports, and of course binge watching her ...
Be the first one to share your experience. Ideal CU Branch Location at 1725 Robert St S, West St. Paul, MN 55118 - Hours of Operation, Phone Number, Services, Routing Numbers, Address, Directions and Reviews.. Phoenix.edu.login
Choose the Right Product: Ideal CU offers various debt consolidation products, including personal loans and home equity lines of credit. We'll help you choose the one that aligns with your financial status and goals. Make an appointment to meet with a Loan Representative if you aren't sure where to start.Get in touch. Make an online enquiry. Call. From overseas: +65 6222 2200. In Singapore: 1800 222 2200. Operating hours: 8.30am to 8.30pm, Mon - Fri (excluding PH) Manage your accounts and transactions with real-time updates on DBS IDEAL. Access a wide range of online banking services and features.Ideal CU works to build a trusted relationship with our clients to provide an additional layer of protection against scams be a reliable source of information and guidance. Through education, support and the implementation of protective measures, we can create a safer environment for our older adult population.Ideal CU offers a complete range of services, including a full suite of digital banking products, savings, checking, loans, mortgage products, business services and more. Offices are located in Eagan, Hugo, Inver Grove Heights, North St. Paul, Stillwater and Woodbury. Visit idealcu.com for details and directions.For general inquiries or assistance, please call us at 651-770-7000 during business hours. For detailed location information, including branch addresses and hours, visit our …She has been an employee for Ideal CU for more than 20 years. Her key role is to connect with members in the community about Ideal CU through different platforms. Some of Geneva's hobbies include finding recipes on Pinterest and testing them out for her family, watching her three children play ALL the sports, and of course binge watching her ...Example of payment, pay $44.43 per month per $1,000 borrowed for 24 months at 6.24% APR. Rates are subject to change at any time. **Actual rates based on applicant's payment and credit history. To be eligible for an 84 month term, vehicle must be 2020 or newer and minimum loan amount must be $30,000. LTV restrictions may apply.Ideal Credit Union | 1,203 followers on LinkedIn. Live the Ideal Life. 2020 Top Workplaces (Star Tribune) 2023 Best Places to Work | Ideal Credit Union is a not-for-profit, member-owned financial cooperative dedicated to providing financial services and products that deliver true value to our members. At the core of our business philosophy is our promise …She has been an employee for Ideal CU for more than 20 years. Her key role is to connect with members in the community about Ideal CU through different platforms. Some of Geneva's hobbies include finding recipes on Pinterest and testing them out for her family, watching her three children play ALL the sports, and of course binge watching her ...No Lender Fee Mortgage Loan. Enjoy the stability of a fixed rate with the added benefit of reduced closing fees. Members save an average of $1,750 with this option. Fixed rate. Maximum loan amount $766,550. Up to 30 year terms*. Single Family Home, 2-4 units, Condominium, and Townhome. Primary, secondary, and investment occupancies acceptable.She has been an employee for Ideal CU for more than 20 years. Her Key Role is to connect with members in the community about Ideal CU through different platforms. Some of Geneva's hobbies include finding recipes on Pinterest and testing them out for her family, watching her 3 children play ALL the sports, and of course binge watching her ...An account that compounds its earnings will earn on the earnings, too! That means the $50 from the first year will also grow at a 5% rate the next year. So, your $1,000 that turned into $1,050 will now turn into $1,102.50! It's like getting paid, just for keeping your money at the credit union! Stay Informed. When you subscribe to the blog ...Ideal Credit Union | 1.202 volgers op LinkedIn. Live the Ideal Life. 2020 Top Workplaces (Star Tribune) 2023 Best Places to Work | Ideal Credit Union is a not-for-profit, member-owned financial cooperative dedicated to providing financial services and products that deliver true value to our members. At the core of our business philosophy is our promise …Ideal CU offers this comprehensive guide to empower you in your student loan repayment journey. Whether you're just starting to pay off your loans or seeking ways to manage existing debts more effectively, we aim to provide insightful and practical advice. We understand that managing student loans can be a daunting task, potentially filled with ...Visit idealcu.com for details and directions. --Bank and Credit Union data compiled from financial data for the period noted, as reported to federal regulators. The financial data obtained from these sources is consistently reliable, although; the accuracy and completeness of the data cannot be guaranteed by BauerFinancial, Inc. Since 1983 ...Overview Established in 1926, Ideal Credit Union is headquartered in Woodbury, Minnesota. Accessible: 6 branches and 6 ATMs.; Financial Health: Stewards over $1 Billion in assets.; Proven Track Record: The 10 th largest credit union in Minnesota; Loyal Following: Proudly serves over 50,000 loyal members.; Joint Effort: Over 210 dedicated …Find a Branch or ATM. Ideal Credit Union has six locations conveniently located in and around the Twin Cities Metro Area. Members enjoy access to their funds and accounts with CO-OP's nearly 30,000 surcharge-free* ATMs and 5,000+ shared branches nationwide. Additionally, MoneyPass® ATMs are available to Ideal CU members, surcharge-free.*.Ideal Credit Union offers online banking tools to manage your accounts, transfer funds, pay bills and deposit checks. Enroll now and access Ideal Digital Banking from any device.The properties of an ideal gas are all summarized in one formula of the form: p \cdot V = n \cdot R \cdot T p ⋅ V = n ⋅ R ⋅ T. where: T T - Temperature of the gas, measured in kelvins. To find any of these values, simply enter the other ones into the ideal gas law calculator. For example, if you want to calculate the volume of 40 moles ....