![That'd explain why the fee is so high out here. [deleted] • 6 yr. ago. The idea is the delivery charge is to over-cover the cost of gas. Tips you get at the end of the night but the delivery charge goes on your check. Also the $1.40 I got would be recalculated every Monday based on current gas prices.. Mommy blow](/img/512x512/900751470854.webp)
Every pizza chain charges a delivery fee so protesting Pizza Hut for Dominos won’t cut it pal. The delivery fee helps to cover mileage pay for the drivers (because 30% of people or higher in many places do not tip at all because they are scum bags) but mainly goes to insuring every driver on the road.For reference, Domino's used to emphasize a "30 minutes or its free" policy on all deliveries. Although the free pizza motto is no longer a rule, Domino's continues to guarantee deliveries within ...That's why businesses do "split pay" to keep labor costs of delivery downdown, charge the delivery fee to increase delivery revenue, make a special more expensive for delivery ($5.99 for carryout but $6.99 for delivery), to increase delivery revenue, and expect the customer to tip the driver to keep the driver willing to keep doing the delivery ... Domino’s delivery drivers are typically paid between $5.00 and $9.00 per hour. For prompt service, delivery drivers supplement their base salary with cash tips. Experienced drivers can earn up to $15.00 per hour. Delivery Fee. Domino’s. $3. Pizza Hut. $4. Pizza Pizza. $3.75. Keep in mind that these are approximate values and that the precise delivery fee depends on the restaurant and the area you ordered from.The delivery fee is there to cover the extra expenses of delivering. Tbese are all expenses the store wouldn't have if they didnt offer delivery. Seeing as a pizza is 10.99 if you pick it up or we bring it to you it make sense to only charge the extra costs associated with delivery to the people.using the service. Then one pizza corporation decided "hey! We can charge the customer directly for our overhead costs!" Prior to 2002, Domino's had free delivery. In 2002 they decided to try a $1 delivery fee to see if customers would revolt. A lot did, but they got away with it. Now we are up to almost $6 for delivery fee and some markets are up to $8 delivery fee. Prices, delivery area, and charges may vary by store. Delivery orders are subject to each local store's delivery charge. 2-item minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. In addition, your local store may charge extra for some menu items available with this offer and some crust types, toppings, and sauces.Their solution was to increase our mileage reimbursement from 32 cents a mile up to 35 cents a mile. Prices go up on gas over 50 cents over night and our company vomits out 3 cents a mile to make up for it. They also increase their delivery fee by $1.50 but give us a whopping extra 3 cents! Delivery charges may apply, please ask in store for details. Driver Tipping – Terms and Conditions. 1. You are agreeing to pay a gratuity to our driver for the delivery service provided (“Tip”). You are free to choose the amount of your Tip. 2. Your payment will be taken by our nominated payment service provider, TiPJAR® 3. Prices, delivery area, and charges may vary by store. Delivery orders are subject to each local store's delivery charge. 2-item minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. In addition, your local store may charge extra for some menu items available with this offer and some crust types, toppings, and sauces.Their solution was to increase our mileage reimbursement from 32 cents a mile up to 35 cents a mile. Prices go up on gas over 50 cents over night and our company vomits out 3 cents a mile to make up for it. They also increase their delivery fee by $1.50 but give us a whopping extra 3 cents! delivery fees have been increasing for two reasons: gas is more expensive, so the mileage we get reimbursed is more expensive. insurance is getting more expensive, which is what the majority of the delivery fee goes towards. not the driver's insurance, mind you, just the company insurance so Domino's doesn't have to give their drivers company cars to operate. basically gives Domino's full ...Prices, delivery area, and charges may vary by store. Delivery orders are subject to each local store's delivery charge. 2-item minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. In addition, your local store may charge extra for some menu items available with this offer and some crust types, toppings, and sauces.Delivery Fee. Domino’s. $3. Pizza Hut. $4. Pizza Pizza. $3.75. Keep in mind that these are approximate values and that the precise delivery fee depends on the restaurant and the area you ordered from. The delivery fee is set by the franchisee, and is generally in correlation to the minimum wage, because it's the only thing on the menu they can raise the price of without corporate cutting it with a special deal. Seattle's minimum wage is around $16 an hour, that's why. In Denver our minimum wage is $12.85 per hour and the delivery charge is ...Generally, Domino’s charges around $3.99 for delivery. You can check out the price of delivery at your local Domino’s by visiting the store locator and entering your ZIP code. The exact fee may vary depending on your location and the size of your order, which is why it’s always a good idea to double-check during checkout.Domino’s claims that delivery fees, minimum purchase requirements, and the threshold for free delivery are all determined by individual locations, which are operated as franchisees.According to the report, the majority of providers charge less than £2, and some price as little as 99p.Last week, the Domino’s UK division reported an increase ...If you think delivery is a service that’s not worth 5 extra dollars then go get the food yourself. Dominos made $490 million last year in net income on 14.9 Billion of net sales. Something tells me they have more than enough money to pay their workers well. With 17,000 stores, that’s $28,800 per store.same issue happened to me. I got a code for a free medium 2-topping pizza, go to checkout (obviously $8 because of the tip, delivery charges, and tax) but it says I my order has to be $18 or more! even though prior to this order, I ordered a pizza that with another code and the total cost was $11, make it make sense. The delivery fee for a $2.75 charge on my recent Domino’s order of two large pizzas and a two-liter bottle of Sprite was one example. With a gratuity of $5, I paid almost $8 more than I would have if I hadn’t ordered from Domino’s.Delivery Traditional Delivery Domino's Hotspots® or Carryout Domino's Carside Delivery®* Store Pickup Pick-Up Window* *Carryout methods available at participating stores. Our Company Corporate Jobs About Domino's Our Pizza Nutrition Allergen Info Gluten Free Warning Ingredients Additional Services Smart Slice School Lunch Large Business Orders The delivery fee is set by the franchisee, and is generally in correlation to the minimum wage, because it's the only thing on the menu they can raise the price of without corporate cutting it with a special deal. Seattle's minimum wage is around $16 an hour, that's why. In Denver our minimum wage is $12.85 per hour and the delivery charge is ...The fee is a surcharge on your bill for the store and not given to the driver. In national chains like Pizza Hut, Domino's, and Papa John's, the delivery charge does not go to the driver's tip. It is a disguised price increase for the store. With inflation, we're sorry to say it costs the store $2 more to produce your order. Tim McIntyre, a Domino's spokesman, said the company was the last of the major pizza chains to institute such a fee, in 2005. The charges, he said, were put in place to cover the extra costs that go with delivery. Domino's, he went on, believes that using a delivery fee is a better way to cover those costs than hiking the cost of a pie.Any Delivery Charge is not a tip paid to your driver. Please reward your driver for awesomeness. Drivers carry less than $20. You must ask for this limited time offer. Minimum purchase required for delivery. Delivery charge and tax may apply. Prices, participation, delivery area and charges may vary.Store Hours: Mon-Thu. 10:00 am to 12:00 am. Fri-Sat. 10:00 am to 1:00 am. Sun. 10:00 am to 12:00 am. Domino's Carside Delivery is contact-free carry out. Find a location near you that carries your order right to your car - keeping you and our employees safe, one order at a time! Any Delivery Charge is not a tip paid to your driver. Please reward your driver for awesomeness. Drivers carry less than $20. You must ask for this limited time offer. Minimum purchase required for delivery. Delivery charge and tax may apply. Prices, participation, delivery area and charges may vary. Because people will pay for convenience. That is based on the Store/Franchise. When gas prices started rising, so too did the delivery joints start tacking on these fees. Allegedly the driver gets some (or all in some places) of that fee, but I don't know for certain. It's clear that Dominos businesses model has morphed from "30 minutes or less" to having a pickup option (there wasn't one that I know of, BITD) to having in-store dining to charging the cost of, basically, their cheapest product as a delivery charge to recoup their costs from earlier loss leader practices.Jul 28, 2021 · For reference, Domino's used to emphasize a "30 minutes or its free" policy on all deliveries. Although the free pizza motto is no longer a rule, Domino's continues to guarantee deliveries within ... The delivery fee of Pizza Hut back in 2002 was only $0.50. Those of Domino’s and Papa John’s were just $1. However, these delivery charges have increased considerably since then, compared to the inflation rate during the same time. Here is a table that will show you the dramatic increases in pizza delivery fees over the years:Any Delivery Charge is not a tip paid to your driver. Please reward your driver for awesomeness. Our drivers carry less than $120.00 TTD. You must ask for any limited time offer. Minimum purchase required for delivery. Delivery charge and tax may apply. Prices, delivery area and charges may vary. Checks are not accepted. ©2015 Domino's IP ...The entire amount that Domino's, or their franchisees collect is put toward providing this service to their customers. It's mileage to me.. I get 1.40 for every delivery from the delivery fee. That doesn't come out of the delivery fee. Drivers were getting mileage before the delivery fee was introduced.Domino's Pizza: Outrageous Delivery Charge - See 6 traveler reviews, candid photos, and great deals for Morehead, KY, at Tripadvisor.That's why businesses do "split pay" to keep labor costs of delivery downdown, charge the delivery fee to increase delivery revenue, make a special more expensive for delivery ($5.99 for carryout but $6.99 for delivery), to increase delivery revenue, and expect the customer to tip the driver to keep the driver willing to keep doing the delivery ...Domino’s delivery hours range from late morning to past midnight, so your local Domino’s is ready to take your order almost anytime you’re hungry. Extended delivery and carryout hours mean that Domino’s can satisfy all of your pizza, pasta, sandwich, chicken, and dessert cravings whenever hunger strikes. That’s great news, because you ...Mar 17, 2022 · Domino’s said delivery charges, minimum spend and the free delivery threshold are all set by stores, which are run as franchises. It said the majority charge under £2, and it is 99p with some. By 2002, a small percentage of stores owned or franchised by U.S. pizza companies Domino's and Papa John's were also charging delivery fees of 50 cents to $1.50, and some of Little Caesar's franchisees charged delivery fees. In 2005, Papa John's implemented delivery charges in the majority of its company-owned stores. Fuck you Dominos, pay your people more. But give me my fuckin pizza. [deleted] • 5 yr. ago. I just saw a delivery charge of $4.99 on my order. I cancelled my order and deleted the Dominos app permanently. I’m never going to pay $4.99 to Dominos for a delivery charge and then tip the delivery person another $5.00.The Delivery charge is NOT A TIP. The way I like to explain it is that it goes towards the mileage cost for the driver. Driver mileage is recorded and they are paid according to how many miles that driver drove on that shift.The delivery fee is set by the franchisee, and is generally in correlation to the minimum wage, because it's the only thing on the menu they can raise the price of without corporate cutting it with a special deal. Seattle's minimum wage is around $16 an hour, that's why. In Denver our minimum wage is $12.85 per hour and the delivery charge is ... Prices, delivery area, and charges may vary by store. Delivery orders are subject to each local store's delivery charge. 2-item minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. In addition, your local store may charge extra for some menu items available with this offer and some crust types, toppings, and sauces.Delivery Fee. Domino’s. $3. Pizza Hut. $4. Pizza Pizza. $3.75. Keep in mind that these are approximate values and that the precise delivery fee depends on the restaurant and the area you ordered from. Jan 27, 2014 · Domino’s delivery driver Eduardo Carpaneda sued the company in August 2013, arguing that the “delivery charge” that Domino’s tacks on to customer bills is a service charge under the Massachusetts Tips Act. Accordingly, Domino’s violated the Tips Act by failing to turn over the proceeds of the fee to drivers. About Domino's Pizza ® Founded in 1960, Domino's Pizza is the largest pizza company in the world based on retail sales, with a significant business in both delivery and carryout pizza. It ranks among the world's top public restaurant brands with a global enterprise of more than 18,000 stores in over 90 markets.That'd explain why the fee is so high out here. [deleted] • 6 yr. ago. The idea is the delivery charge is to over-cover the cost of gas. Tips you get at the end of the night but the delivery charge goes on your check. Also the $1.40 I got would be recalculated every Monday based on current gas prices. The delivery fee was recently raised from $2.99 to $3.99 but what REALLY did it for me is the 2 x 5.99 deal is now 2 x 6.99, so I'm redeeming my free pizza (60 points) tonight which with tax, delivery charge, and a $3.00 tip my "free" pizza is $7.35.Delivery Fee. Domino’s. $3. Pizza Hut. $4. Pizza Pizza. $3.75. Keep in mind that these are approximate values and that the precise delivery fee depends on the restaurant and the area you ordered from.Any Delivery Charge is not a tip paid to your driver. Please reward your driver for awesomeness. Drivers carry less than $20. You must ask for this limited time offer. Minimum purchase required for delivery. Delivery charge and tax may apply. Prices, participation, delivery area and charges may vary.$699each 2-Item Minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. Prices, delivery area, and charges may vary by store. Delivery orders are subject to each local store's delivery charge. Click here for full details. Order Now Perfect Combo Deal $1999 Order Now Handmade Pan Pizzas will be extra.The delivery fee for a $2.75 charge on my recent Domino’s order of two large pizzas and a two-liter bottle of Sprite was one example. With a gratuity of $5, I paid almost $8 more than I would have if I hadn’t ordered from Domino’s.The entire amount that Domino's, or their franchisees collect is put toward providing this service to their customers. It's mileage to me.. I get 1.40 for every delivery from the delivery fee. That doesn't come out of the delivery fee. Drivers were getting mileage before the delivery fee was introduced.Delivery Fee. Domino’s. $3. Pizza Hut. $4. Pizza Pizza. $3.75. Keep in mind that these are approximate values and that the precise delivery fee depends on the restaurant and the area you ordered from.Prices, delivery area, and charges may vary by store. Delivery orders are subject to each local store's delivery charge. 2-item minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. In addition, your local store may charge extra for some menu items available with this offer and some crust types, toppings, and sauces. The fee is a surcharge on your bill for the store and not given to the driver. In national chains like Pizza Hut, Domino's, and Papa John's, the delivery charge does not go to the driver's tip. It is a disguised price increase for the store. With inflation, we're sorry to say it costs the store $2 more to produce your order.The delivery fee of Pizza Hut back in 2002 was only $0.50. Those of Domino’s and Papa John’s were just $1. However, these delivery charges have increased considerably since then, compared to the inflation rate during the same time. Here is a table that will show you the dramatic increases in pizza delivery fees over the years: $699each 2-Item Minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. Prices, delivery area, and charges may vary by store. Delivery orders are subject to each local store's delivery charge. Click here for full details. Order Now Perfect Combo Deal $1999 Order Now Handmade Pan Pizzas will be extra. The delivery fee is there to cover the extra expenses of delivering. Tbese are all expenses the store wouldn't have if they didnt offer delivery. Seeing as a pizza is 10.99 if you pick it up or we bring it to you it make sense to only charge the extra costs associated with delivery to the people.using the service.same issue happened to me. I got a code for a free medium 2-topping pizza, go to checkout (obviously $8 because of the tip, delivery charges, and tax) but it says I my order has to be $18 or more! even though prior to this order, I ordered a pizza that with another code and the total cost was $11, make it make sense. Prices, delivery area, and charges may vary by store. Delivery orders are subject to each local store's delivery charge. 2-item minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. In addition, your local store may charge extra for some menu items available with this offer and some crust types, toppings, and sauces.The drivers only get less then $4 out of the $10 delivery fees and dominos gets the rest. Dominos used to pay the driver out of the price if the pizza now they add a delivery charge to make more money. Now they have a new scam where they charge you an extra $1 on each delivery item on top of their delivery fee.The fee is a surcharge on your bill for the store and not given to the driver. In national chains like Pizza Hut, Domino's, and Papa John's, the delivery charge does not go to the driver's tip. It is a disguised price increase for the store. With inflation, we're sorry to say it costs the store $2 more to produce your order. Jul 28, 2021 · For reference, Domino's used to emphasize a "30 minutes or its free" policy on all deliveries. Although the free pizza motto is no longer a rule, Domino's continues to guarantee deliveries within ... Their solution was to increase our mileage reimbursement from 32 cents a mile up to 35 cents a mile. Prices go up on gas over 50 cents over night and our company vomits out 3 cents a mile to make up for it. They also increase their delivery fee by $1.50 but give us a whopping extra 3 cents!Delivery Traditional Delivery Domino's Hotspots® or Carryout Domino's Carside Delivery®* Store Pickup Pick-Up Window* *Carryout methods available at participating stores. Our Company Corporate Jobs About Domino's Our Pizza Nutrition Allergen Info Gluten Free Warning Ingredients Additional Services Smart Slice School Lunch Large Business Orders Jul 28, 2021 · For reference, Domino's used to emphasize a "30 minutes or its free" policy on all deliveries. Although the free pizza motto is no longer a rule, Domino's continues to guarantee deliveries within ... same issue happened to me. I got a code for a free medium 2-topping pizza, go to checkout (obviously $8 because of the tip, delivery charges, and tax) but it says I my order has to be $18 or more! even though prior to this order, I ordered a pizza that with another code and the total cost was $11, make it make sense. Generally, Domino’s charges around $3.99 for delivery. You can check out the price of delivery at your local Domino’s by visiting the store locator and entering your ZIP code. The exact fee may vary depending on your location and the size of your order, which is why it’s always a good idea to double-check during checkout.Domino's Has Takeout Near You. Don't deny your tastebuds any longer. Oven-baked sandwiches, flavorful pastas, stuffed cheesy breads, and so much more are waiting for you and your crew. Call your local Domino's pizza restaurant, order online, or use Domino’s free mobile phone app for easy and delicious pizza delivery and carryout today! The delivery fee is set by the franchisee, and is generally in correlation to the minimum wage, because it's the only thing on the menu they can raise the price of without corporate cutting it with a special deal. Seattle's minimum wage is around $16 an hour, that's why. In Denver our minimum wage is $12.85 per hour and the delivery charge is ... The truth is part of the delivery charge does go to the driver. Usually a dollar. If the delivery charge is two, then we would get one. The pizza places like us to tell the customer that it does for insurance for the drivers, but we have our own insurance. We get the tip (if there is one), a dollar for taking the delievey and our hourly pay.But I stuck around. And everything went back to normal. Still get stiffed way more. And delivery charge kept going up. 2. 2.5. 3. 3.75. 4. 5. But customers were nice and still tipped. Got stiffed less and less because they understand the delivery charge is not a tip. Well it was fun. Had a good run. Wish all new drivers luck and be safe.5-5-5 medium pizza deal came out to $16.50 after tax. Most people paid with a $20 bill, so $3.50 tip in 2003 was pretty good. With the delivery fee, orders came up $18.50, still only got $20 for those deliveries. $3.50 to $1.50 tip is a more than 50% loss in tip revenue, and this became the new normal.Any Delivery Charge is not a tip paid to your driver. Please reward your driver for awesomeness. Our drivers carry less than $120.00 TTD. You must ask for any limited time offer. Minimum purchase required for delivery. Delivery charge and tax may apply. Prices, delivery area and charges may vary. Checks are not accepted. ©2015 Domino's IP ...Domino’s is testing self-driving delivery with Nuro’s R2 robot, and the Noid is back to try to stop it. (Video: Domino’s Pizza) ... A judge later ruled Noid not guilty of the charges against ...$699each 2-Item Minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. Prices, delivery area, and charges may vary by store. Delivery orders are subject to each local store's delivery charge. Click here for full details. Order Now Perfect Combo Deal $1999 Order Now Handmade Pan Pizzas will be extra.Prices, delivery area, and charges may vary by store. Delivery orders are subject to each local store's delivery charge. 2-item minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. In addition, your local store may charge extra for some menu items available with this offer and some crust types, toppings, and sauces.Carry Out Offer: $9.99 for any 5-topping pizza with this Domino's promo code (up to 50% off) Get any large, medium, or gluten-free 5-topping pizza for $9.99 with this Domino's discount code, which ...Domino’s delivery driver Eduardo Carpaneda sued the company in August 2013, arguing that the “delivery charge” that Domino’s tacks on to customer bills is a service charge under the Massachusetts Tips Act. Accordingly, Domino’s violated the Tips Act by failing to turn over the proceeds of the fee to drivers.Domino's, which previously did not charge for delivery, is now applying the £2 fee on orders under £35 at some branches. But many fans of the American pizza brand took to Twitter to vent their ...The fee is a surcharge on your bill for the store and not given to the driver. In national chains like Pizza Hut, Domino's, and Papa John's, the delivery charge does not go to the driver's tip. It is a disguised price increase for the store. With inflation, we're sorry to say it costs the store $2 more to produce your order.
Nov 16, 2021 · In a message of sympathy for smaller peers ravaged by the pandemic's business disruptions, and with an eye on the profits they lose as a result of delivery charges, Domino’s Pizza franchisees in ... . Gj awm gel blaster review
The delivery charge is to cover costs associated with delivery such as mileage, drivers hourly pay, insurance, etc. The stores in my franchise have a cost per delivery much higher than the current delivery charge of $3.99/delivery. Carryout orders, even with cheaper coupons, are more profitable than delivery orders. Because people will pay for convenience. That is based on the Store/Franchise. When gas prices started rising, so too did the delivery joints start tacking on these fees. Allegedly the driver gets some (or all in some places) of that fee, but I don't know for certain.With Domino's Delivery Hotspots ®, you can have your favorite Domino's dishes delivered almost anywhere in Denver, CO — sports arena, park, beach, or music festival. Simply place an order online, select Delivery Hotspot, and allow Dominos.com to access your location. Pick a Domino's Hotspot® near you, then complete your order. Then one pizza corporation decided "hey! We can charge the customer directly for our overhead costs!" Prior to 2002, Domino's had free delivery. In 2002 they decided to try a $1 delivery fee to see if customers would revolt. A lot did, but they got away with it. Now we are up to almost $6 for delivery fee and some markets are up to $8 delivery fee.A 15% tip for a $25 delivery would be $3.75. So, in total, you'd pay $28.75. How much do you tip for a $30 pizza delivery? A 15% tip for a $30 delivery would be $4.50.Domino's, being an eternal innovator of pizza technology (and a very wise judge on what "stunts" major food media outlets will cover) has taken this classic pie conundrum on, and introduced a new ...Prices, delivery area, and charges may vary by store. Delivery orders are subject to each local store's delivery charge. 2-item minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. In addition, your local store may charge extra for some menu items available with this offer and some crust types, toppings, and sauces.Prices, delivery area, and charges may vary by store. Delivery orders are subject to each local store's delivery charge. 2-item minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. In addition, your local store may charge extra for some menu items available with this offer and some crust types, toppings, and sauces. Prices, delivery area, and charges may vary by store. Delivery orders are subject to each local store's delivery charge. 2-item minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. In addition, your local store may charge extra for some menu items available with this offer and some crust types, toppings, and sauces.If you think delivery is a service that’s not worth 5 extra dollars then go get the food yourself. Dominos made $490 million last year in net income on 14.9 Billion of net sales. Something tells me they have more than enough money to pay their workers well. With 17,000 stores, that’s $28,800 per store.Domino’s claims that delivery fees, minimum purchase requirements, and the threshold for free delivery are all determined by individual locations, which are operated as franchisees.According to the report, the majority of providers charge less than £2, and some price as little as 99p.Last week, the Domino’s UK division reported an increase ...The entire amount that Domino's, or their franchisees collect is put toward providing this service to their customers. It's mileage to me.. I get 1.40 for every delivery from the delivery fee. That doesn't come out of the delivery fee. Drivers were getting mileage before the delivery fee was introduced.They offer a wide choice of pizzas, bread, salads, and sandwiches. Prices on the menu vary from $5 to $20, depending on pizza type and size. This brand is available in more than 90 countries with almost 18,000 pizza stores. The key to this success is innovative customer service, offering many perks, guarantees, and insurance..