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Articles 91 - 120 of 621
Full-Text Articles in Agricultural Economics
Preferences Of Coffee Farmers For Attributes Of Selected Coffee Technologies In The Philippines, Jayson S. Cabral, Dia Noelle F. Velasco, Mar B. Cruz, Nohreen Ethel P. Manipol, Hannah D. Miranda-Quibot
Preferences Of Coffee Farmers For Attributes Of Selected Coffee Technologies In The Philippines, Jayson S. Cabral, Dia Noelle F. Velasco, Mar B. Cruz, Nohreen Ethel P. Manipol, Hannah D. Miranda-Quibot
Journal of Economics, Management and Agricultural Development
This paper looked into the preferences of 151 coffee farmers for the attributes of selected coffee technologies. The study was done to help guide technology developers in crafting post harvest processing facilities for coffee which their target market will need which can lead to a higher probability of commercialization of new coffee technologies. The study examined the preferences for attributes for coffee dryers, moisture meters, coffee depulpers, and coffee sorters using the Analytic Hierarchy Process (AHP) framework. The results revealed that the quality of the final product is the top priority for coffee farmers when choosing a coffee dryer. Non-destructiveness …
Market Analysis And Positioning Of Processed Halal Chevon Food Products, Jalaloden B. Marohom, Ivy Mar B. Cabornida
Market Analysis And Positioning Of Processed Halal Chevon Food Products, Jalaloden B. Marohom, Ivy Mar B. Cabornida
Journal of Economics, Management and Agricultural Development
Halal has gained popularity as a result of consumer concerns about food safety and ethical issues. Chevon is an important source of protein. However, no halal chevon products are commercially produced. Hence, the study aimed to develop positioning strategies to commercialize the products. A survey was undertaken of 400 potential consumers in the Philippines. The majority of the respondents were willing to buy halal food products. Descriptive statistics were applied, and findings revealed that products were generally acceptable. Potential consumers prefer it in wide assortment, in proper packaging, has informative labels, and easy to locate. However, their preference is significantly …
Ex-Ante Cost-Benefit Analysis Of High-End And Low-Cost Wireless Sensor Network (Wsn) Technology Packages For Efficient Irrigation Water Management In The Philippines, Marielle Q. Aringo, Victor B. Ella, Camille G. Martinez, Gamiello S. Pereira
Ex-Ante Cost-Benefit Analysis Of High-End And Low-Cost Wireless Sensor Network (Wsn) Technology Packages For Efficient Irrigation Water Management In The Philippines, Marielle Q. Aringo, Victor B. Ella, Camille G. Martinez, Gamiello S. Pereira
Journal of Economics, Management and Agricultural Development
Four wireless sensor network (WSN) technology packages developed for efficient irrigation water management in the Philippines were subjected to ex-ante cost-benefit analysis (CBA) to assess their financial viability. The WSN technologies include high-end and low-cost wireless sensors for upland crop production with drip irrigation system and lowland crop production with alternate wetting and drying (AWD). Results showed that the high-end WSN technology packages are only viable for high-value crops such as red onion, bell pepper, and hot pepper. The low-cost WSN technology packages are viable for all selected crops except sweet corn. Minimum areas were also generated for each crop …
The Impact Of Policy Design On Willingness To Pay For Ecosystem Services From Prairie Strips, Karina Schoengold, Badri Khanal, Taro Mieno, Lisa Schulte Moore
The Impact Of Policy Design On Willingness To Pay For Ecosystem Services From Prairie Strips, Karina Schoengold, Badri Khanal, Taro Mieno, Lisa Schulte Moore
Cornhusker Economics
Ecosystem services from farmland conservation are public good benefits. The value of these benefits is primarily measured using methods that determine the willingness to pay (WTP) for those benefits. Prairie strips, a farmland conservation practice, provide ecosystem services such as improved water quality, soil health, and biodiversity (Schulte et al., 2017). The state of Iowa is a major corn producer and contributes significant amounts of nitrogen and phosphorous to the Gulf of Mexico (Alexander et al., 2008). The development of conventional agricultural systems has also resulted in a significant loss of biodiversity, including a dominant land cover of tallgrass prairie. …
Evaluating The Effect Of Woodchips On Soil Matric Potential, Temperature, Weed Biomass, And Yield Of Selected Crops, Leonard Githinji, Patrick Johnson
Evaluating The Effect Of Woodchips On Soil Matric Potential, Temperature, Weed Biomass, And Yield Of Selected Crops, Leonard Githinji, Patrick Johnson
Professional Agricultural Workers Journal
Organic mulches are very popular for weed control in sustainable agricultural systems where the application of synthetic herbicides is restricted. A study was conducted to evaluate the effectiveness of organic mulch in controlling weeds, enhancing soil matric potential, and soil temperature. Blended hardwood mulch was applied to the soil surface at a thickness of 10 cm. The experimental design was laid out as a completely randomized design with two treatments, viz., mulch and no-mulch, replicated 5 times. Data were collected during the growing period for weed biomass, soil matric potential, soil temperature, and yield of selected crops. Results from a …
Las Interacciones Entre La Migración Y El Sistema Alimentario Globalizado En Oaxaca, México, Abby Dryden
Las Interacciones Entre La Migración Y El Sistema Alimentario Globalizado En Oaxaca, México, Abby Dryden
Independent Study Project (ISP) Collection
En este artículo tiene como guía tres preguntas: 1. ¿Cómo interactúa el sistema alimentario globalizado con la migración interna en Oaxaca y entre Oaxaca y los Estados Unidos? 2. ¿Qué impacto el proceso de globalización tiene para el sistema alimentario y para las comunidades en Oaxaca? 3. ¿Cómo los temas de seguridad de comida y soberanía de alimentos están impactando Oaxaca? Esta investigación tiene lugar en Oaxaca, México porque estuve viviendo allí por tres meses y es un buen lugar para esta investigación en el contexto de la diversidad allí. Si bien es cierto que existe mucha información sobre el …
Flint, Michigan Drinking Water Crisis, J. David Aiken
Flint, Michigan Drinking Water Crisis, J. David Aiken
Cornhusker Economics
Briefly covers the Flint, Michigan drinking water crisis including providing some background, a timeline of events, and key takeaways from the perspective of public policy.
This article was originally prepared for distribution to students in Aiken's AECN 357 environmental and natural resources law course.
Assessing Consumer Demand, Producer Profitability, And The Environmental Impacts Of Conservation Agriculture Adoption In Sub-Saharan Africa, Willy Byamungu Mulimbi
Assessing Consumer Demand, Producer Profitability, And The Environmental Impacts Of Conservation Agriculture Adoption In Sub-Saharan Africa, Willy Byamungu Mulimbi
Graduate Theses and Dissertations
This dissertation explores three aspects of conservation agriculture (CA) in the Sub-Saharan African region (SSA). The first article examines the demand side of CA and explores whether urban maize (Zea mays L.) consumers in the Democratic Republic of the Congo (DRC) would be willing to pay a premium for CA-produced maize flour. The second article estimates the effects CA provides to adopters and their farms in smallholder farming systems in the DRC, focusing on changes in soil properties and cowpea (Vigna unguiculata) yields. The final article uses a Life Cycle Assessment (LCA) approach to monetize the environmental impacts of adopting …
Societal Sustainability: Projects To Address The Three Dimensions Of A Sustainable Future, Braden K. Bateman
Societal Sustainability: Projects To Address The Three Dimensions Of A Sustainable Future, Braden K. Bateman
Graduate Theses and Dissertations
Sustainability is an important, commonly discussed societal goal regarding assurance of resources for the world to be able to enjoy a prosperous future. Three primary dimensions of sustainability include environmental, economic, and social sustainability, and objectives for various projects can be aimed at any of the three dimensions to pursue societal sustainability. Solar installations, which can be used to pursue environmental and economic sustainability, convert abundant sunlight to electricity, displacing fossil fuel use that contributes harmful greenhouse gases to the atmosphere. The regulatory environment at the state level has a significant impact on the feasibility of solar projects. At present, …
Causal Forest Approach For Site-Specific Input Management Via On-Farm Precision Experimentation, Shunkei Kakimoto
Causal Forest Approach For Site-Specific Input Management Via On-Farm Precision Experimentation, Shunkei Kakimoto
Department of Agricultural Economics: Dissertations, Theses, and Student Research
Estimating site-specific crop yield response to changes to input (e.g., seed, fertilizer) management is a critical step in making economically optimal site-specific input management recommendations. Past studies have attempted to estimate yield response functions using various Machine Learning (ML) methods, including the Random Forest (RF), Boosted Random Forest (BRF), and Convolutional Neural Network (CNN) methods. This study proposes use of the Causal Forest (CF) model, which is one of the emerging ML methods that comprise “Causal Machine Learning.” Unlike previous yield-prediction-oriented ML methods, CF focuses strictly on estimating heterogeneous treatment effects (changes in yields that result from changes in input …
Arkansas Corn And Grain Sorghum Research Studies 2021, Victor Ford, Jason Kelley, Nathan Mckinney Ii
Arkansas Corn And Grain Sorghum Research Studies 2021, Victor Ford, Jason Kelley, Nathan Mckinney Ii
Arkansas Agricultural Experiment Station Research Series
The 2021 edition of the Arkansas Corn and Grain Sorghum Research Studies Series includes research results on topics pertaining to corn and grain sorghum production, including weed, disease, and insect management; economics; sustainability; irrigation; post-harvest drying; soil fertility; mycotoxins; cover crop management; and research verification program results. Our objective is to capture and broadly distribute the results of research projects funded by the Arkansas Corn and Grain Sorghum Board. The intended audience includes producers and their advisors, current investigators, and future researchers. The Series serves as a citable archive of research results.
The 30x30 Program: A Federal Land Grab?, J. David Aiken
The 30x30 Program: A Federal Land Grab?, J. David Aiken
Cornhusker Economics
In January 2021, the Biden Administration issued a climate policy executive order.[2] [or EO].[3] Section 216 of the Biden climate EO, Conserving & Protecting our Nation’s Lands & Waters, directed the U.S. Department of the Interior, the U.S. Department of Agriculture, and the U.S. Department of Commerce (which includes NOAA, the U.S. National Oceanic & Atmospheric Administration) to prepare a report “recommending steps that the United States should take, working with state, local, tribal and territorial governments, agricultural and forest landowners, fishermen and other key stakeholders to achieve the goal of conserving at least 30% of our lands and waters …
Wayne E. Sabbe Arkansas Soil Fertility Studies 2021, Nathan A. Slaton
Wayne E. Sabbe Arkansas Soil Fertility Studies 2021, Nathan A. Slaton
Arkansas Agricultural Experiment Station Research Series
Rapid technological changes in crop management and production require that the research efforts be presented in an expeditious manner. The contributions of soil fertility and fertilizers are major production factors in all Arkansas crops. The studies described within will allow producers to compare their practices with the university’s research efforts. Additionally, soil-test data and fertilizer sales are presented to allow comparisons among years, crops, and other areas within Arkansas.
Commodity Prices, Climate And The High Plains Aquifer, Richard K. Perrin, Lilyan E. Fulginiti, Felipe Silva, Karina A. Schoengold
Commodity Prices, Climate And The High Plains Aquifer, Richard K. Perrin, Lilyan E. Fulginiti, Felipe Silva, Karina A. Schoengold
Cornhusker Economics
Crop prices and energy prices can affect the water level in an aquifer? Absolutely, yes, because over time, they affect the amount withdrawn for irrigation. Our recent research confirms that effect and provides estimates of the size of the effect on the High Plains Aquifer (HPA). The HPA underlies parts of eight states and 208 counties in the west-central United States (see Figure 1). This region produces more than 9% of US crop sales and relies on the aquifer for irrigation. These withdrawals for irrigation have contributed to a diminished stock of water in the aquifer that varies considerably across …
Effects Of Foliar Application Of Zno Nanoparticles On Lentil Production, Stress Level And Nutritional Seed Quality Under Field Conditions, Marek Kolenčík, Dávid Ernst, Matej Komár, Martin Urík, Martin Šebesta, Ľuba Ďurišová, Marek Bujdoš, Ivan Černý, Juraj Chlpík, Martin Juriga, Ramakanth Illa, Yu Qian, Huan Feng, Gabriela Kratošová, Karla Čech Barabaszová, Ladislav Ducsay, Elena Aydın
Effects Of Foliar Application Of Zno Nanoparticles On Lentil Production, Stress Level And Nutritional Seed Quality Under Field Conditions, Marek Kolenčík, Dávid Ernst, Matej Komár, Martin Urík, Martin Šebesta, Ľuba Ďurišová, Marek Bujdoš, Ivan Černý, Juraj Chlpík, Martin Juriga, Ramakanth Illa, Yu Qian, Huan Feng, Gabriela Kratošová, Karla Čech Barabaszová, Ladislav Ducsay, Elena Aydın
Department of Earth and Environmental Studies Faculty Scholarship and Creative Works
Nanotechnology offers new opportunities for the development of novel materials and strategies that improve technology and industry. This applies especially to agriculture, and our previous field studies have indicated that zinc oxide nanoparticles provide promising nano-fertilizer dispersion in sustainable agriculture. However, little is known about the precise ZnO-NP effects on legumes. Herein, 1 mg·L−1 ZnO-NP spray was dispersed on lentil plants to establish the direct NP effects on lentil production, seed nutritional quality, and stress response under field conditions. Although ZnO-NP exposure positively affected yield, thousand-seed weight and the number of pods per plant, there was no statistically significant …
Cooperative-Led Green Value Chain Development For Selected Highland Vegetables In Buguias, Benguet, Paul Kenneth B. Maghirang
Cooperative-Led Green Value Chain Development For Selected Highland Vegetables In Buguias, Benguet, Paul Kenneth B. Maghirang
Journal of Economics, Management and Agricultural Development
This study proposes a cooperative-led green value chain model for selected highland vegetables in Buguias, Benguet. Primary and secondary data were used in the study. Primary data were gathered through KII, FGD, and survey interviews among 30 farmer-members of LIFMPC. Descriptive, cost and returns, and value chain analysis were conducted. The proposed model of cooperative-led green value chain for selected highland vegetables was developed based on current practices of the farmer respondents. The greening opportunities were identified in different segments of the chain, from input sourcing to consumption, as well as the actors and their activities. Performing these green practices …
Effects Of Conservation Management Practices On Soil Health And Crop Yields In Eastern South Dakota, Alex Mclain
Effects Of Conservation Management Practices On Soil Health And Crop Yields In Eastern South Dakota, Alex Mclain
Electronic Theses and Dissertations
Conservation management practice adoption on agricultural land has increased in recent years due to increasing public and private investment. The anticipated impact of increasing conservation management practice adoption are reduced greenhouse gas emissions and improved soil, water, and air quality. Understanding how these conservation management practices affect agricultural producers economically is vital to properly incentivize these practices. The existing literature on how conservation management practices affect soil health and crop yields is mixed and generally has been conducted on experimental research stations. These studies may not fully account for the on-farm effects of conservation management practices. The objectives of this …
Forecasting Locational Marginal Prices In Electricity Markets By Using Artificial Neural Networks, Kim Jay R. Rosano, Allan C. Nerves
Forecasting Locational Marginal Prices In Electricity Markets By Using Artificial Neural Networks, Kim Jay R. Rosano, Allan C. Nerves
Journal of Economics, Management and Agricultural Development
Electricity price forecasting is an important tool used by market players in decision-making and strategizing their participation in the electricity market. In most studies, market-clearing price is forecasted as it gives an aggregated overview of system price. However, locational marginal price (LMP) gives better outlook of the price particular to the customer location in the electrical power grid. This study utilizes Artificial Neural Networks to forecast weekday LMP of generator and load nodes. Various inputs such as historical prices and demand, and temporal indices were used. Using data for selected nodes of the Philippine Wholesale Electricity Spot Market, forecast Mean …
South Dakota Farmers’ Perceived Extreme Weather Frequency And Adaptation Measures, Tong Wang, Jim Ristau
South Dakota Farmers’ Perceived Extreme Weather Frequency And Adaptation Measures, Tong Wang, Jim Ristau
South Dakota Farm Survey
Researchers at South Dakota State University (SDSU) conducted surveys of eastern South Dakota (SD) commodity crop producers with the support of the South Dakota Corn Utilization Council. Using publicly available addresses of government program participants, a random sample of 3,000 producers were sent the survey in 2018. 650 were ineligible and 708 responded to the survey for a response rate of 30%. In 2021, the same producers who took the survey in 2018 were asked to take a follow up survey. 94 were ineligible, and 350 responded for a 59% response rate. Producers could take the survey online or via …
Use Patterns And Influencing Factors Of Irrigation Best Management Practices In The Lower Mississippi River Basin, Merri E. Day
Use Patterns And Influencing Factors Of Irrigation Best Management Practices In The Lower Mississippi River Basin, Merri E. Day
Graduate Theses and Dissertations
This study uses the 2016 Irrigation Survey from Arkansas, Louisiana, and Mississippi to document the use of irrigation best management practices (IBMPs), analyze use patterns, and use quantitative methods to determine factors that influence producers’ decisions regarding IBMPs. IBMPs included in the survey can be grouped as: field management practices (zero-grade leveling, precision-grade leveling, end blocking, warped surface, and deep tillage), water flow control practices (computerized pipe-hole selection, multiple-inlet irrigation, surge irrigation, alternate wetting and drying, cutback irrigation, flow meters, and pump timers), water recovery/storage practices (tail-water recovery system and on-farm storage reservoir), and advanced irrigation scheduling practices (soil moisture …
How Are Agricultural Research Projects Conceiving Innovation? An Assessment Of The European Union Multi-Actor Projects, Samuel Brea Martinez-Collado
How Are Agricultural Research Projects Conceiving Innovation? An Assessment Of The European Union Multi-Actor Projects, Samuel Brea Martinez-Collado
Graduate Theses and Dissertations
Horizon research programs are the European Union’s lighthouse for innovation and research concerning the agri-food chain, the management of natural resources, and the bioeconomy. Their innovation strategy approach is one that pursues the practical application of the research via the collaboration of all actors involved. Such strategy is the reflection of a Multi-Actor Approach as their procedure to enhance innovation. This paper presents the main trends and directions 101 Multi-Actor Projects (MAPs) are following on said approach towards innovation. The analysis is based on the use of well-defined “pathways” and “measures” proposed in the Guidelines for Evaluation of Innovation in …
Economic Potash Fertilizer Rate Recommendations, Kimberly B. Oliver
Economic Potash Fertilizer Rate Recommendations, Kimberly B. Oliver
Graduate Theses and Dissertations
This thesis is comprised of two studies that estimate profit-maximizing potassium (K) fertilizer application rates for various crops across different time periods. Estimation of profit-maximizing fertilizer-K rate (K*) for both studies considered the initial soil test level of K (STK) and yield response information, as traditional recommendations do, and added crop price and the cost of fertilizer. Profit maximum occurs where the marginal revenue from additional yield is equal to the marginal cost of applying an additional unit of fertilizer-K. The first study calculated K* for corn (Zea mays) and cotton (Gossypium hirsutum) and compared results to previous studies on …
Data Analytics For Sustainable Food And Agriculture Systems, Megan Lord Reavis
Data Analytics For Sustainable Food And Agriculture Systems, Megan Lord Reavis
Graduate Theses and Dissertations
The increasing concentration of anthropogenic greenhouse gases in the atmosphere is altering the climate, posing a serious threat to global agriculture and food security. Agriculture and food production contribute a quarter of all GHG emissions produced, so there is a critical need to limit emissions in this area while increasing food production to feed the anticipated 10 billion people by 2050. To address the needs of the future, data-driven solutions are needed to guide decision-making and provide support for actionable climate mitigation and survival strategies. Research efforts must be focused on analyzing problems on multiple scales, identifying new ways to …
Making Agriculture Carbon Neutral Amid A Changing Climate: The Case Of South-Western Australia, Ross Kingwell
Making Agriculture Carbon Neutral Amid A Changing Climate: The Case Of South-Western Australia, Ross Kingwell
Climate Science Research Articles
Making Australian agriculture carbon neutral by 2050 is a goal espoused by several agricultural organisations in Australia. How costly might it be to attain that goal, especially when adverse climate change projections apply to agriculture in southern Australia? This study uses scenario analysis to examine agricultural emissions and their abatement via reforestation in south-western Australia under projected climate change. Most scenarios include the likelihood of agricultural emissions being reduced in the coming decades. However, the impact of projected adverse climate change on tree growth and tree survival means that the cost of achieving agricultural carbon neutrality via reforestation is forecast …
Novel Pilot Development Of A Closed-Loop Sustainable System Between Biogas Renewable Energy, Distilling, And Aquaculture By Vermiculture Of Stillage Wastes, Samuel C. Kessler
Novel Pilot Development Of A Closed-Loop Sustainable System Between Biogas Renewable Energy, Distilling, And Aquaculture By Vermiculture Of Stillage Wastes, Samuel C. Kessler
The Cardinal Edge
This study provides a mixed-methods approach in analyzing a potential closed-loop system between renewable biogas production from anaerobic digestion, vermiculture production, aquaculture production, and organic wastes with a particular focus on stillage wastes. Such system may hold significant promise for significantly reducing organic carbon and methane emissions from its components, and should be assessed for such. The 2021 IPCC report essentially identified methane reduction as the single fastest way to slow global warming (IPCC, 2021), making the study and implementation of methane-reducing systems and supportive policy for them critical. Knowledge gaps to implementing this system were qualitatively identified as disconnect …
Data From: Yellow Air Day Advisory Study, Arthur J. Caplan
Data From: Yellow Air Day Advisory Study, Arthur J. Caplan
Browse all Datasets
Using a dataset consisting of daily vehicle trips, PM2.5 concentrations, along with a host of climactic control variables, we test the hypothesis that “yellow air day” advisories provided by the Utah Division of Air Quality resulted in subsequent reductions in vehicle trips taken during northern Utah’s winter-inversion seasons in the early 2000s. Winter inversions occur in northern Utah when climactic conditions are such that PM2.5 concentrations (derived mainly from vehicle emissions) become trapped in the lower atmosphere, leading to unhealthy air quality (concentrations of at least 35 µg/m3) over a span of what are called “red air days”. When concentrations …
Beef Cow Operations During Drought: Dealing With More Than Dry Conditions, Matthew Stockton
Beef Cow Operations During Drought: Dealing With More Than Dry Conditions, Matthew Stockton
Cornhusker Economics
The most recent drought conditions have grown to cover a large portion of the west and the central United States, as shown in Figure 1. Those depending on rain continue to watch and hope that conditions will change, while implementing and considering various strategies to preserve their livelihoods. Those who have been in the business for years have seen other occasions when dry conditions limited forage production and created hardship. Each occurrence has varying outcomes, depending on the many factors faced by individuals. While drought may produce the same dry conditions for many, its effects are individualized. There are as …
Essays On The Designs And Benefits Of Land Conservation Programs, Badri Khanal
Essays On The Designs And Benefits Of Land Conservation Programs, Badri Khanal
Department of Agricultural Economics: Dissertations, Theses, and Student Research
This dissertation analyzes the policy designs and economic benefits of a land conservation practice called prairie strips. The first chapter investigates the impact of policy designs on individual household preferences. The study measures the value that Iowa residents place on the ecosystem services of prairie strips and determines if that value changes under different policy designs. The policy design treatment varies in who runs the program and who has enrollment priority. The willingness to pay (WTP) for ecosystem services is estimated using stated preferences from a choice experiment. Results indicate significant public support for expanding and funding the prairie strips …
Growing Climate Solutions Act Of 2021, J. David Aiken
Growing Climate Solutions Act Of 2021, J. David Aiken
Cornhusker Economics
On June 24, 2021, the U.S. Senate adopted S. 1251, the Growing Climate Solutions Act of 2021. Cosponsored by 54 senators, including Nebraska Senator Deb Fischer, S. 1251 seeks to make it easier for farmers and ranchers to participate in voluntary carbon credit markets and to get a fair share of the carbon credit revenue they generate. If adopted by the U.S. House of Representatives and signed into law by the President, S. 1251 would go a long way in facilitating effective producer participation in U.S. carbon markets.
Economic Implications Of Disasters On Cooperative Sector In Calabarzon, Philippines, Ceptryl S. Mina, Liezel S. Cruz
Economic Implications Of Disasters On Cooperative Sector In Calabarzon, Philippines, Ceptryl S. Mina, Liezel S. Cruz
Journal of Economics, Management and Agricultural Development
Cooperatives serve as an important tool for improving the living conditions of members and their community. However, like any other business enterprise, cooperatives are also exposed to disasters that may affect their
operations. This study analyzed the economic effects of disasters on cooperatives in CALABARZON, Philippines. Results of the Pearson’s chi-square test showed that cooperatives are exposed to various types of natural, biological, and humaninduced disasters. It was found out that disasters lead to increased operational costs and reduced net surplus. Using emergency-use-only cell phones and generators, changing production patterns, limiting high risk-customers, buying insurance, and establishing online and offline …