text:
Maryland Payday Loan Laws: The Ultimate Legislative Guide [Updated: 2022]
Laws, Payday Loans / By Nick Gallo / April 4, 2022 April 19, 2022
Payday loans are short-term, high-interest loans with no credit check. They're supposed to help underqualified borrowers in financial distress, but they're so expensive that they often backfire. That's made them highly controversial, and state authorities choose to regulate them very differently. Here's how the Maryland payday loan laws work.
Payday lending status in Maryland: Prohibited
Loan terms and debt limits in Maryland
Maryland payday loan laws: How they stack up
Rates, fees, and other charge limits in Maryland
Are tribal lenders legal in Maryland?
Number of Maryland consumer complaints by issue
The most complained about lender in Maryland: Enova International, Inc.
Most common complaints about Enova International, Inc.
The Most Complained About Tribal Lender in Maryland: Big Picture Loans, LLC
Payday loan statistics in Maryland
Historical timeline of payday loans in Maryland
Flashback: An Maryland payday loan story
Final Verdict: Should I take out a payday loan in Maryland?
Fortunately, the consumer lending laws in Maryland effectively prohibit payday loans within the state. Regulators passed a set of interest rate caps on consumer credit transactions that forbid payday lenders from charging their typical triple-digit APRs.
You can read the original regulations in the Maryland Code of Commercial Law under Title 12, Subtitle 3: Section 12-306.
Maximum Interest Rate: 33% APR (2.75% per month)
The predatory lenders who offer payday loans almost always charge as much as they can under state law, if not more, even though their clientele is inherently already strapped for cash.
For example, the Texas payday loan laws have virtually no limit on interest rates. As a result, the average payday loan rate in the state is 664%, and borrowers often struggle to repay their debts. They usually have to take out another payday loan or pay a rollover fee to extend the due date. Unfortunately, neither does anything to reduce their principal balances, and they get stuck in a cycle of debt.
Generally, the best way to prevent that trap is to implement a reasonable interest rate cap like Maryland's. It ensures that licensed lenders provide loans at rates that borrowers can reasonably repay, while still allowing room for businesses to make a profit.
The Maryland payday loan laws are significantly more consumer-friendly than the rules in most other parts of the country. In fact, Maryland is one of only 16 states to prohibit payday loans by setting a hard interest-rate limit. The remaining 34 states either expressly allow payday lending or have effectively failed to prevent it.
Here's a more in-depth explanation of Maryland's rules to help you understand how they protect you compared to the regulations in other states.
The Maryland anti-usury law is a set of rate limits based on principal balances. The higher the loan amount, the lower the interest rate lenders can legally charge consumers.
For loans with an original principal balance of $2,000 or less, the maximum interest rate is 2.75% per month on the first $1,000 and 2% per month on the portion above $1,000. If your loan's original principal balance is more than $2,000, the maximum interest rate is 2% per month for the entire amount.
For example, if you took out a one-month payday loan for $2,000, your lender could charge you $27.50 for the first $1,000 and $20 for the other half. If you borrowed $2,500, the most they could charge you would be $50.
In addition, if a borrower defaults on their loan, lenders can charge collection fees for legal expenses incurred up to 15% of the outstanding principal balance, plus a $35 nonsufficient (NSF) fee.
While these rules don't technically forbid payday loans, they prohibit their most predatory aspect. As a result, payday lenders have generally fled Maryland for more profitable territories.
The federal government treats Native American tribes as sovereign nations. That means they have the authority to govern themselves like a state would, which also renders them virtually immune to lawsuits for breaking a state's laws.
Tribal lenders partner with Native American tribes to take advantage of that immunity. They use it as an excuse to charge interest rates far higher than state lending laws allow, paying the tribe a small percent of their profits in return.
The legality of tribal lending is highly controversial. While there's no disputing the authority of Native American tribes to regulate themselves, there's some debate over whether they should be able to ignore state lending laws. In addition, their immunity doesn't necessarily extend to the lenders who partner with them.
Regardless, tribal loans are typically unenforceable in state courts, including Maryland's. Regulators might not be able to stamp out tribal lenders without a legal battle, but you generally don't have to worry about them garnishing your wages. They may threaten to take you to tribal court, but it has no authority over you.
The Office of the Commissioner of Financial Regulation is the primary consumer financial protection agency and financial services regulator in Maryland. In other words, they're responsible for enforcing the state laws that protect you from predatory payday lenders.
In addition, the office provides a wide variety of educational consumer resources, including financial relief guides, advisory publications, explanations of regulated industries, and a database of licensed financial service providers.
Maryland's Office of the Commissioner of Financial Regulation is also the best place to submit a complaint about a payday lender. Here's how to contact them.
Regulator: Department of Banking & Insurance, Division of Banking
Address: 100 N. Eutaw Street Suite 611, Baltimore MD, 21201
Website: https://www.dllr.state.md.us/finance/consumers/comphow.shtml
If you have a complaint, it's also best to share the details with the Consumer Financial Protection Bureau (CFPB). The CFPB is a federal agency that protects consumers from predatory financial institutions, including payday lenders.
Charged fees or interest you didn't expect 180
Problem with the payoff process at the end of the loan 26
Getting the loan 24
Loan payment wasn't credited to your account 14
Received a loan you didn't apply for 5
Vehicle was repossessed or sold the vehicle 5
Improper use of your report 3
Credit monitoring or identity theft protection services 1
Vehicle was damaged or destroyed the vehicle 1
Complaints reasons in Maryland by category
The most common complaint Maryland consumers make to the CFPB is that their lenders charge them unexpected fees and interest. In fact, it's the most significant issue by far. There are over 100 more instances of it than the problem in second place.
Unfortunately, that's the case in most states, even when regulations prohibit predatory interest rates like the Maryland payday loan laws. It's likely the result of multiple factors, including a lack of due diligence from borrowers and a lack of transparency from lenders.
In addition, some borrowers may unexpectedly encounter lenders willing to charge more than state limits allow, such as tribal lenders. As a result, they may have been surprised by illegal and usurious interest rates.
The most complained about lender in Maryland is Enova International, a parent company for several financial service providers. The two most relevant in this case are NetCredit and CashNetUSA. They're both lenders that charge predatory fees in many states.
Fortunately, neither subsidiary operates in Maryland any longer, thanks to the interest rate caps in the state. Though they haven't been able to offer payday loans there for many years, they were still able to provide usurious lines of credit. That stopped in 2017 when a new law limited revolving accounts to 33% APR, just like closed-end loans.
In their 2018 Annual Report, Enova notes that they had to cease making consumer loans in the state due to the legislation that went into effect on July 1, 2017.
Enova International, Inc. complaint reasons in Maryland by category
Unsurprisingly, the most common reason consumers complain about Enova International is that they charge unexpected fees or interest. In addition to the typical contributing factors, Enova's predatory APRs are likely to blame.
Prior to the cessation of their operation in Maryland, Enova's subsidiaries would regularly charge triple-digit interest rates. If you look at their prices in a state where there's no usury cap, like Utah, you'll see that NetCredit products can cost as much as 155% APR, while CashNetUSA's can reach 299%.
Enova International, Inc. 70
Mariner Finance, LLC 20
Navy Federal Credit Union 16
Lending Club Corp 13
Lendmark Financial Services 13
Synchrony Financial 10
OneMain Financial Holdings, LLC 10
Kashia Services 8
The most payday lender complaints by lender and reason in Maryland by category
The CFPB has received more complaints about Enova International than any other lender in Maryland, but they're far from the only problematic provider in the state. There are many others that consumers have had consistent issues with over the years.
Unfortunately, several of the worst repeat offenders are tribal entities, including Big Picture Loans, LDF Holdings, and Kashia Services. That implies there's a significant tribal lending presence in the state, which represents a danger to Maryland consumers.
The primary reason to become a tribal lender is to bypass state laws, so their interest rates are naturally well above the Maryland limits. If borrowers don't do the proper due diligence to confirm they're working with licensed lenders, they could easily get entangled with a predatory institution that ignores the 33% APR limit.
If you're struggling financially because of an entity on the list above or others like them, contact DebtHammer. We'll show you how to deal with predatory lenders and help you get out of their debt traps.
Big Picture Loans, LLC is the most complained about tribal lender in Maryland by a significant margin. In fact, they were only 11 complaints short of being the most complained about lender in the state overall. For context, they received 39 more complaints than the third-place lender.
Sadly, Big Picture Loans is the most complained about tribal lender in many parts of the United States. They prey on borrowers throughout the country, operating online as an extension of the Lac Vieux Desert Band of Lake Superior Chippewa Indians.
Like many tribal lenders, they've opted to provide short-term installment accounts rather than traditional payday loans. Unfortunately, that allows them to charge borrowers even more. These are their standard loan terms:
Loan amounts from $400 to $3,500
Loan terms from four to 18 months
APRs from 35% to 699% with a 200% minimum for new customers
For example, say you took out a $1,000 loan with a six-and-a-half month repayment term and a 350% APR. You'd end up paying a whopping $1,272 in interest, which is even more than the original principal balance of the loan.
Big Picture Loans, LLC complaint reasons in Maryland by category
Once again, the most common reason people complain about Big Picture Loans is that they charge unexpected fees or interest. That should be no surprise to you, especially since their loan rates can reach more than 20 times the legal limit in Maryland.
Maryland ranks as the 13th state for the most overall payday loan complaints.
Maryland ranks as the 10th state for the most payday loan complaints per capita.
There have been 18,281 payday loan-related complaints made to the CFPB since 2013 ― 427 of these complaints originated from Maryland.
The estimated total population in Maryland is 6,045,680 people.
There are 7.0629 payday loan complaints per 100,000 people in Maryland.
Fortunately, the Maryland payday loan laws have prohibited usurious lending for decades. Because of this, there haven't been as many significant refinements to the regulations there as in other states.
However, that doesn't mean there haven't been changes over the years. Here are the most significant ones:
2002: Maryland legislators passed usury rate caps that prevented lenders from charging more than 33% on small consumer loans, effectively prohibiting payday loans.
2017: Legislators expanded the 33% limit to include revolving credit accounts, such as lines of credit.
2018: Once again, legislators revised the rate cap to protect consumers. This time, it was to include closed-end loans up to $25,000 in the law. Previously, the limit had only applied to loans with principal balances below $6,000.
Currently, the most dangerous lenders in Maryland are sidestepping the law through strategies like partnering with tribal entities or out-of-state banks. To avoid them, always confirm that a lender has a proper lending license and obeys state interest rate limits before working with them.
The campaign to stop payday lending in the United States has stretched on for decades. Unfortunately, even in states like Maryland, where regulators have successfully imposed laws to prevent usury, predatory lenders often find ways to circumvent them.
One of the most common strategies they employ is to close their storefront operations and retreat to the anonymity of the internet. They then enlist the help of out-of-state banks to facilitate withdrawals from their borrower's funds.
Traditional payday lenders use post-dated checks to collect from their borrowers. These online lenders convince borrowers to give them the authorization to debit their bank account directly instead. They can't initiate the transactions themselves, so they ask out-of-state banks that aren't subject to local lending laws to do it for them.
For example, Maryland regulators have been fighting against this setup since 2013. Mark Kaufman, then Commissioner of the Office of Financial Regulation, reported no less than eight banks to federal regulators that year.
Unfortunately, there was little else he could do to prevent the situation. The institutions were all located outside the state and Mr. Kaufman's jurisdiction, which meant he couldn't take direct action against them.
Because the payday lenders operated online, they were also almost impossible for him to shut down. As Mr. Kaufman said, "It's very difficult as a state regulator to regulate a virtual business. I can't issue an enforcement action without an address."
The moral of the story is that even if you live in a protected state like Maryland, you're still vulnerable to predatory online lenders. Think twice before doing business with one that has no storefront. There's a lot less that regulators can do to keep you safe.
In 2022, roughly 64% of Americans live paycheck to paycheck. That means a single surprise expense could send them running to a lender to make ends meet. Those with bad credit may turn to payday loans, thinking they have no other option.
Unfortunately, even in the best circumstances, those loans are more expensive than the average borrower can reasonably afford. Perhaps counterintuitively, they're often even worse in states like Maryland, which have effectively outlawed payday loans.
That's because the only payday lenders in these states are bending or breaking the law just to operate. That makes them even more likely to charge usurious and predatory interest rates.
As a result, you should avoid payday loans whenever possible, even in states like Maryland with interest rate caps. If you need another form of short-term financing, consider using a cash advance app like Earnin, which lets you borrow up to $500 against each paycheck at no cost.
Of course, these kinds of solutions will only get you so far. Eventually, you need to get your finances in order and stop relying on debt to make it to payday. For help with that, contact DebtHammer. We'll show you how to leave predatory lenders in your past forever.


text:
Home News & Analysis Harvard chemists' breakthrough in synthesis advances a potent anti-cancer agent
Harvard chemists' breakthrough in synthesis advances a potent anti-cancer agent
It's a feat three decades in the making: Harvard University chemists have achieved what a new paper calls a "landmark in drug discovery" with the total synthesis of halichondrin. Known to be a potent anti-cancer agent in mouse studies, and found naturally in sea sponges — though only ever in minuscule quantities — the halichondrin class of molecule is so fiendishly complex that it had never been synthesized on a meaningful scale in the lab.
Researchers led by Yoshito Kishi, Morris Loeb Professor of Chemistry, Emeritus, in Harvard's Department of Chemistry and Chemical Biology, have now synthesized sufficient quantities of E7130, a drug candidate from the halichondrin class, to enable for the first time rigorous studies of its biological activity, pharmacological properties, and efficacy, all conducted in collaboration with researchers at Japanese pharmaceutical company Eisai.
The molecule has undergone unusually rapid development and is already being tested in a Phase I clinical trial in Japan, under a license from Harvard's Office of Technology Development (OTD) to Eisai. The company hopes to begin a second clinical trial in the United States in due course.
The Kishi Lab's results, driven to completion through an intense, three-year research collaboration with Eisai, are published today in Scientific Reports, an open-access Nature journal. The paper reports the total synthesis of the highly potent halichondrin molecule E7130 — 11.5 grams of it, with 99.81% purity — and characterizes its mode of action. In preclinical studies, the research team has identified it not only as a microtubule dynamics inhibitor, as was previously recognized, but also as a novel agent to target the tumor microenvironment.
"We spent decades on basic research and made very dramatic progress," says Kishi, whose laboratory has, since 1978, received significant and sustaining support from the National Cancer Institute (NCI) of the National Institutes of Health to study the synthesis of natural products.
The structure of the complete E7130 molecule derived by total synthesis is particularly challenging to replicate because it has 31 chiral centers, asymmetrical points that must each be correctly oriented. In other words, there are roughly 4 billion ways to get it wrong.
When the natural product was first identified 33 years ago by Japanese researchers, it sparked immediate interest. "At that time, they realized the halichondrins looked exceedingly potent," recalls Takashi Owa, PhD, Chief Medicine Creation Officer and Chief Discovery Officer for Eisai's oncology business group, and a coauthor of the paper. Over time, NCI investigators testing tiny amounts of it recognized that it was affecting the formation of microtubules, which are essential to cell division. "Due to the very unique structure of the natural product, many people were interested in the mode of action, and the investigators wanted to do a clinical study," Owa explains, "but a lack of drug supply prevented them from doing it. So 30 years have passed, very unfortunately, but Prof. Kishi is a pioneer in this field."
Over the years, the Kishi Lab advanced methods of convergent synthesis, which enables complex molecules to be assembled from subunits, rather than constructed linearly. Another innovation, now known as the Nozaki-Hiyama-Kishi reaction, protected the highly reactive functional groups while they were being assembled. And in 1992, Kishi and colleagues achieved the first total synthesis of a halichondrin molecule (halichondrin B). The process required a sequence of more than 100 chemical reactions and produced less than a 1% overall yield. It was a major achievement, however, and a simplified version of that molecule, eribulin, became a drug to treat metastatic breast cancer and liposarcoma, now marketed by Eisai. Since then, Kishi's lab has been engaged in basic research on organic synthesis, including discovery and development of new reactions usable at a late stage of synthesis.
"In 1992, it was unthinkable to synthesize a gram-quantity of a halichondrin," Kishi says, "but three years ago we proposed it to Eisai. Organic synthesis has advanced to that level, even with molecular complexity that was untouchable several years ago. We are very delighted to see our basic chemistry discoveries have now made it possible to synthesize this compound at large scale."
"It's a really unprecedented achievement of total synthesis, a special one," says Owa. "No one has been able to produce halichondrins on a 10-gram scale — one milligram, that's it. They have completed a remarkable total synthesis, enabling us to initiate a clinical trial of E7130."
The team's Scientific Reports paper describes the results of studies conducted in vitro and in vivo, in animal models, that shed light on the molecule's complex mode of action. The team showed that E7130 can increase intratumoral CD31-positive endothelial cells and reduce alpha-SMA-positive cancer-associated fibroblasts, components of the tumor microenvironment that may be involved in the transformation to malignancy.
"Prof. Kishi's expertise provided us with such an exciting and unique opportunity to test the molecule in our systems," says Owa. "I have never experienced this kind of very efficient and rapid, successful collaboration. Just a three-year collaboration took this from the discovery stage to the clinical development of such a complex molecule, having a very unique mechanism and mode of action. To me this is a kind of track record in drug development."
"The collaboration between scientists at Eisai and Harvard is an example of academia and industry working together successfully to accelerate the development of a new class of therapeutics that may address important unmet medical needs," says Vivian Berlin, Managing Director of Strategic Partnerships in Harvard OTD. "The collaborative spirit and transparency of the relationship contributed enormously to the success of the project."
"Without OTD," Owa adds, "this collaboration could never have happened. Harvard OTD has been a core for bridging industry and Harvard researchers, and facilitating discussions about how to build a win-win relationship."
Research for the new publication, titled, "A landmark in drug discovery based on complex natural product synthesis," was conducted jointly by researchers at Harvard and Eisai. Harvard OTD has protected the intellectual property associated with this project, which is now exclusively licensed to Eisai for the commercial development of therapeutics.
Previous articleDigix (DGX) gold token now supported on Tangem physical card device – CryptoNinjas
Next articleVisa Launches B2B Connect, Beaxy Rivals Binance: The Weekly Show
Increased social media use linked to developing depression, research finds
The Smoking Gun in the Facebook Antitrust Case
Twitch Cracks Down on Hate Speech and Harassment
Hidden symmetry could be key to more robust quantum systems, researchers find
Russia's FireEye Hack Is a Statement—but Not a Catastrophe
Who's Behind the Fight Between Warner Bros. and Hollywood? It's AT&T
LeEco founder ordered to return to China to answer debts
the-online-tech - December 27, 2017

redpajama_set_name: RedPajamaCommonCrawl


text:
Hrušovany u Brna – stacja kolejowa w Modřicach, w kraju południowomorawskim, w Czechach. Znajduje się na wysokości 190 m n.p.m.

Jest zarządzana przez Správę železnic. Na stacji istnieje możliwość zakupu biletów i rezerwacji miejsc.

Linie kolejowe
 250 Havlíčkův Brod - Brno - Kúty

Przypisy

Linki zewnętrzne
 Rozkład jazdy ze stacji

Stacje i przystanki kolejowe w kraju południowomorawskim

redpajama_set_name: RedPajamaWikipedia


text:
'use strict';

var mqtt = require('mqtt');
var util = require('util');
var http = require('http');
var EventEmitter = require('events').EventEmitter;

var tag = '[TILES Client]';

var defaults = {
  host: 'test.mosquitto.org',
  port: typeof window === 'undefined' ? 1883 : 8080 // If running in a browser -> Use standard WebSocket port
}

function TilesClient(username, host, port) {
  this.mqttClient = null;
  this.isConnected = false;
  this.username = username;
  this.host = host || defaults.host;
  this.port = port || defaults.port;
  this.tiles = {};
}

TilesClient.prototype.__proto__ = EventEmitter.prototype;

TilesClient.prototype.setServerConnectionStatus = function(msg, isConnected) {
  console.log(tag, msg);
  this.isConnected = isConnected;
}

TilesClient.prototype.connect = function(username) {
  this.mqttClient = mqtt.connect({host: this.host, port: this.port});
  this.setServerConnectionStatus('Connecting...', false);

  var that = this;

  this.mqttClient.on('connect', function() {
    that.setServerConnectionStatus('Successfully connected to server', true);
    that.mqttClient.subscribe('tiles/evt/' + that.username + '/+');
    that.mqttClient.subscribe('tiles/evt/' + that.username + '/+/active');
    that.mqttClient.subscribe('tiles/evt/' + that.username + '/+/name');
    that.emit('connect');
  });

  this.mqttClient.on('offline', function() {
    that.setServerConnectionStatus('Client gone offline', false);
  });

  this.mqttClient.on('close', function() {
    that.setServerConnectionStatus('Disconnected from server', false);
  });

  this.mqttClient.on('reconnect', function() {
    that.setServerConnectionStatus('A reconnect is started', false);
  });

  this.mqttClient.on('error', function(error) {
    console.log(tag, 'Error: ' + error);
  });

  this.mqttClient.on('message', function(topic, message) {
    var splitTopic = topic.split('/');
    var tileId = splitTopic[3];
    if (splitTopic[4] === 'active'){
      var tileChange = (message.toString() === 'true') ? 'tileRegistered' : 'tileUnregistered';
      that.emit(tileChange, tileId);
    } else if (splitTopic[4] === 'name'){
      that.tiles[message.toString()] = tileId;
    } else {
      try {
        var eventObj = JSON.parse(message);
        that.emit('receive', tileId, eventObj);
      } catch (error) {
        console.log(tag, 'Error: ' + error);
      }
    }
  });

  return this;
}

TilesClient.prototype.send = function(tileId, propertyName) {
  if (tileId === undefined) {
    console.log(tag, 'Can\'t send command. Tile ID is undefined.');
    return;
  } else if (propertyName === undefined) {
    console.log(tag, 'Can\'t send command. Property name is undefined.');
    return;
  }

  var msg = {
    name: propertyName,
    properties: Array.prototype.slice.call(arguments, 2)
  }

  if (this.isConnected){
    this.mqttClient.publish('tiles/cmd/' + this.username + '/' + tileId, JSON.stringify(msg));
  } else {
    console.log(tag, 'Client is not connected!');
  }
}

TilesClient.prototype.retrieveTileIdByName = function(name, callback) {
  http.get('http://'+this.host+':3000/users/'+this.username+'/tiles/name/'+name, function(res) {
    console.log('Got response: ${res.statusCode}');

    // Continuously update stream with data
    var body = '';
    res.on('data', function(d) {
        body += d;
    });

    res.on('end', function() {
        // Data reception is done
        var tile = JSON.parse(body);
        console.log('Retrieved tile: '+JSON.stringify(tile));
        callback(tile._id);
    });

  }).on('error', function(e) {
    console.log('Got error: ${e.message}');
  });
}

module.exports = TilesClient;

redpajama_set_name: RedPajamaGithub


3.5" SBC supports Intel® 22nm Atom™ 1.5GHz on-board SoC. Dual independent display support. 1333/1066 MHz 1.35V DDR3L SDRAM supported up to 8GB. COM, USB 3.0, SATA 3Gb/s, PCIe Mini, mSATA and Audio support. IEI One Key Recovery solution allows you to create rapid OS backup and recovery.


text:
Loch Gairloch of Gair Loch is een inham aan de westkust van Schotland. De inham is ongeveer 7 kilometer lang en ongeveer 2 kilometer breed. Op de noordelijke oevers van de inham ligt het dorpje Gairloch.

Geografie van Highland


Re: "It's the amount of meat that counts", Have Your Say, January 17.
Indeed it is, and a zero amount of meat is damaging to health. In contrast to the highly selective and comparative "studies" that Eric Bahrt relies upon, let's look at an Austrian analysis of homogeneous European health data. It conclusively shows that, within a single population, vegetarians are prone to more sickness than their meat-eating counterparts. The Graz Medical University study found that vegetarians have twice as many allergies as meat-eaters (30.6 per cent versus 16.7), massively higher cancer rates (4.8 versus 1.8), and a higher rate of heart attacks (1.5 versus 0.6).
Of the 18 chronic illnesses studied, vegetarians suffered worst in 14 of them. The Graz findings are supported by a survey of workers in Britain last year, which found that vegetarians took twice as many sick days as meat eaters and visited their doctor four times more often during the flu season.
Most telling of all, the incidence of mental illness is almost double for vegetarians (9.4 per cent versus 4.8). Perhaps this explains Bahrt's humour deficit? Could it be why Diane Cornelius ("eating vegan is a great source of celebration") chose to "celebrate" the holiday season by writing yet more furious diatribes to The Nation? I recommend a month of sausages for Barht, Cornelius and Jenny Moxham – their health will improve, and if so, "Have Your Say" will be a more joyous place.


Do you often have difficulty keeping up with machine maintenance or wonder how effective your operators are with the equipment? Have you ever worked to coordinate diagnostics on a machine when there's a problem or wanted to improve the tracking of job costs to be more competitive on bids?
With FleetForce, what you see is what you get; a quick and simple option that provides you with the important information you need regarding your entire fleet no matter where you are. FleetForce saves you time and money and makes you smarter!


text:
Serradela-brava é nome comum de diversas espécies vegetais:

 Ornithopus compressus
 Ornithopus perpusillus