Estate Sale - Antique Furn, China, Crystal, Vintage, Gifts

Harlow Online Estate Sales Auctions

 

Date(s) 11/24/2020 - 12/1/2020

Nov 24 to Dec 1 - Online auctions starts Dec 1 at 7:00 pm - lots will end every 30 seconds, with a two (2) minute solf close.

Past Auction
Online-Only Auction
Shipping Not Available
Bidding Notice:

This is a No Reserve Auction - all items are sold to the highest bidder 'as is, where is'. There is a 15% buyers premium for credit cards, 12% for cash - and 6.5% sales tax. There is NO SHIPPING for this auction. Check back often - More Items Will Be Added.

Auction Notice:

Join Us Online at harlowonlineauctions.com - on December 1st at 7pm for the auction! It's so much fun. We are also accepting consignments for future auctions.

Auction Information
Name Estate Sale - Antique Furn, China, Crystal, Vintage, Gifts
Auctioneer
Type Online-Only Auction
Date(s) 11/24/2020 - 12/1/2020
Auction Date/Time Info
Nov 24 to Dec 1 - Online auctions starts Dec 1 at 7:00 pm - lots will end every 30 seconds, with a two (2) minute solf close.
Preview Date/Time Due to restrictions please preview all photographs online - call w questions.
Checkout Date/Time Pickup of items on Wed, Thurs, Sat - Dec 2, 3, 5 from 11am to 3pm
Location
Buyer Premium 15% Credit Cards, 12% Cash
Description
Antique Furniture - Vintage Everything! This is a hoarders cashe - an avid collector of crystal, sets of dishes, vintage and antique furniture, fishing poles, holiday stuff. Don't Miss This One!
1. THANK YOU for registering & bidding at Harlow Online Estate Sale Auction - Referred to as "Harlow Auctions". 2. EVERYTHING MUST BE PAID IN FULL BY END OF AUCTION regardless of when it is picked up. PLEASE NOTE PICK UP DATES/TIMES. 3. Everything will be sold "as is, where is", with no guarantees of any kind, regardless of any statement of condition made from Harlow Auctions. Buyers shall rely entirely on their own inspection of photographs or physical inspection. ALL ITEM ARE USED EXCEPT were denoted in writing on lot information. 4. Preview dates/times please see "dates" section. 5. This is an 'Online Auction Only.' The Bidder is responsible for knowing which item they are bidding on. If bidder is unsure, they should inquire or NOT BID. When you become the winning bidder at Auction you have affected a contract and will be expected to pay for items in which you were evidenced to be the successful bidder. Harlow Auctions will not honor "mistakes". 6. INSPECTION: It is suggested that all items be inspected prior to bidding on items. Anyone seen moving items will be viewed with suspicion and can be asked to leave. 7. Everything must be removed in time frames specified. Buyers are required to remove purchases within the time frames posted. If you are unable to pick up your purchases in the allotted time frames, do not bid at this auction. All purchases must be paid in full before items will be released from the premises. Buyer must provide their own labor, materials and packing supplies. Auction Company DOES NOT have staff on hand to help you load your purchases. Buyer must provide its invoice and I. D. at time of pickup. 8. Failure to Remove Purchases. In the event items are not removed in the time frames allotted, the items purchased shall be deemed abandoned and Buyer will lose any right, title or interest Buyer may have acquired and the items shall revert and repossess to Harlow Auctions without further notice to Buyer. Harlow Auctions shall also be entitled to any costs associated with the removal, storage and reselling of Buyer's items, and any other charges, fees, and expenses incurred because of Buyer's failure, including all attorney fees and costs incurred by Harlow Auctions to enforce Buyer's obligations hereunder. 9. Representations. All items are being sold AS USED, AS-IS - with no warranty. Exact counts are not guaranteed all counts are approximate and it is the bidder's responsibility to inspect and verify the count. Harlow Auctions shall not be responsible for the correct description, authenticity, genuineness of or defect in any lot, and makes no warranty in connection therewith. On-site inspection of items being sold is always recommended. Harlow Auctions makes every effort to provide accurate information about the items being sold. However, neither Harlow Auctions nor its Client will assume responsibility for Buyer's bidding errors. It is Buyers' full responsibility to confirm the accuracy of items offered for sale. Buyers are recommended to inspect all items. Descriptions and photos are offered as a guide only. Do not rely solely on photos to make buying decisions, be sure to read descriptions. Harlow Auctions shall not be held responsible for such errors as posting the wrong photo for an item. When in doubt about the condition of an item, please bid accordingly. 10. All Sales are Final. A successful bid at an online auction, constitutes a legally binding contract of sale. All sales are final. There will be no refunds, returns or exchanges. 11. Harlow Auctions reserves the right to accept bids in any increment we feel is in the best interest of our client, the seller. 12. The Harlow Auctions reserves the right to reject the bidding of any person whose conduct, actions, or adverse comments we feel are not in the best interest of the seller or other bidders. 13. Plain clothes security personnel are present and any person caught tampering with tags, rearranging merchandise, or shoplifting, will be vigorously prosecuted! 14. Non-Delivery. Until such time as purchased items are removed from the premises by the Buyer, Harlow Auctions shall have the right to cancel or void the sale of any such items purchased by Buyer. Harlow Auctions shall have no liability to Buyer due to the non-delivery of any purchased item other than the return of Buyer's deposit for a canceled or voided sale item. No claim of any kind for purchased items, whether or not based on negligence, shall be greater in amount than the purchase price paid by Buyer. 15. BUYER PAYS ALL SHIPPING AND PACKING CHARGES DIRECTLY TO THE MAIL CENTER. 16. Any dispute will be resolved by Harlow Auctions and that decision will be final. 17. CHECK OUT: NOTHING CAN BE REMOVED UNTIL FULL PAYMENT HAS BEEN MADE. 18. All announcements from Harlow Auctions will take precedence over any printed matter, with the exception of "condition" as outlined in paragraph 3. 19. I understand this is used merchandise and there will NOT be chargeback's. Buyer MUST rely on their own inspection and information. Buyer will pay for any & all litigation, if necessary, plus all court costs, collection and attorney fees and interest incurred. 20. I understand that violation of any of these Terms and Conditions will result in prosecution in Volusia County, Florida. 21. Harlow Auctions, Owners and Staff represent the Seller(s). 22. Any claims will be settled by binding arbitration in accordance with Volusia County mediation and the FAA and NAA codes of ethics. 23. If I become the high bidder and fail to pay for my items, I will be liable for liquidated damages in the amount of 100% of my bid price, plus all court costs, collection fees, attorney fees and interest in Volusia County and barred from all future and affiliate auctions. 24. If you need clarification on any items in the Terms or Conditions, or the procedures of this Auction, please ask prior to bidding. 25. Dealer Administration fee will be due on all titled vehicles, equipment as well as required DMV State charges. 26. Harlow Auction reserves the right to drop from his mailing list as well as refuse to give a bidder number to any person whose conduct and presence, we feel, at future Auctions would not be in the best interest of our clients. 27. Toys are sold as collectibles. 28. Items picked up at 866 Mason Ave., Daytona Beach, FL 32117, contact Harlow Auction for information on cost to the buyer. 386-265-0021 29. Absence of Warranties. Most items are used merchandise. ALL items do NOT have a warrantee or guarantee of any kind. The condition of the items being offered varies. The Buyer understands and agrees: (a) that any description or sample of the items given or furnished by Harlow Auctions is solely for identification, and does not create any warranty expressed or implied, that the item actually conforms to such description or sample, (b) that Buyer or agent on Buyer's behalf has inspected or has had the opportunity to inspect, all of the items upon which Buyer will be bidding and/or does purchase, (c) that all items are purchased and accepted by Buyer "AS IS", "WHERE IS" and "WITH ALL FAULTS". HARLOW AUCTIONS MAKES NO WARRANTIES OR GUARANTEES WHATSOEVER WHETHER WRITTEN, ORAL OR IMPLIED AS TO QUALITY, AUTHENTICITY, QUANTITY, CONDITION, USEABILITY, SALEABILITY, WEIGHT, MEASUREMENT, YEAR, MODEL, MECHANICAL CONDITION, PERFORMANCE, OR OTHER SPECIFICATIONS, INCLUDING ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR WARRANTY AGAINST PATENT, TRADEMARK, COPYRIGHT OR TRADE SECRET INFRINGEMENT, (d) in the event there are manufacturer warranties in effect for the item purchased, Buyer must make all claims thereunder directly with the provider of the warranty. No statement or statements of any other paragraph herein shall be construed to in any way contradict the provisions of this paragraph. By registering at this Auction, I understand and agree to all of the above Terms and Conditions. 30. Acts of Others. Persons in attendance during inspection, sale or removal of merchandise assume all risks of damage or loss to persons, property, or merchandise and shall exercise proper precautions at all times for the protection of persons and property and shall comply with all safety and health requirements as directed by Harlow Auctions, and local, state and federal regulations. Neither Harlow Auctions, its agents, its employees or representatives shall be liable by reason of any defect in or about the condition of the premises on which the auction is held. Buyer specifically releases Harlow Auctions, its agents and representatives from all liability thereof. 31. Limits of Liability. In no event shall the Harlow Auctions liability to Buyer exceed the purchase price actually paid for an individual item or lot. A Buyer's claim shall be limited to the amount paid for the merchandise, and shall not extend to any obligation, risk, liability, right, claim, remedy for loss of use, revenue or profit, liability of Buyer to any third party, personal injury, or any other direct, indirect, incidental or consequential damages. Buyer further acknowledges that each item it purchases at the sale represents a separate transaction, and that no one transaction shall be conditioned upon another transaction. Buyer hereby holds Harlow Auctions harmless from: (a) the acts or omission of any party who provided any items to Harlow Auctions for sale, (b) the acts or omission of the owner or Lessor of the auction site or the site where the auctioned items are stored, (c) any claims Buyer may have against Harlow Auctions, Harlow Auctions client(s) or any former owner of the property being sold, (d) Buyer's failure in any way to properly inspect items and/or fulfill its obligations per the terms and conditions of the sale, as indicated within this document or as announced by Harlow Auctions at the time of sale. In the event Buyer provides a deposit or payment using a Credit Card, Buyer acknowledges that it is purchasing under the As-Is, Where-Is terms of the auction and that Buyer shall waive all rights of charge back based on any claims of misrepresentation, non-delivery or non-performance. 32. Indemnification. Buyer shall indemnify, hold harmless and defend Harlow Auctions, owners and building owners from and against any and all losses, damages, liabilities and claims, including attorney fees, costs and expenses arising out of based upon or resulting from: (a) failure to secure all safety equipment and to meet all applicable government safety standards in removing items purchased or used by Buyer, (b) failure to comply with safety instructions issued to Buyer from Harlow Auctions, (c) any act or omission of Harlow Auctions, owners, building owners or their respective agents, representatives or employees, relating to or affecting the items bid on or purchased by Buyer, (d) the claim of any third party claiming or challenging title to any items purchased by Buyer or claiming infringement of any proprietary interest, (d) the claim of any person resulting from Harlow Auctions offering for sale or selling the items purchased by Buyer, (e) any injury to Buyer or any other person or property of any type whatsoever caused during the inspection, dismantling, removing or transporting of items purchased by Buyer. 33. Right of Removal. Harlow Auctions reserves the right to remove any person from the auction site and to refuse that individual's bid, whether offered live, by proxy or by Internet. In such event, any outstanding deposit will be immediately returned. 34. Bidder's Number. The bidder's number is nontransferable. All bids made using the bid number will be the responsibility of Buyer NOTE: This Auction will positively be conducted under the above terms and conditions. If you disagree with, or do not understand any of them, we welcome you to stay as a spectator, however please don't bid. If you've never been to an Auction before . . . Relax . . . Don't worry Harlow Auctions makes everything easy and clear to you. Thank you for coming. We hope you will be able to make advantageous purchases. Harlow Online Estate Sale Auction AB #XXX 866 Mason Ave, Daytona Beach, FL 32117 Office: (386) 265-0021 E-mail: harlowonlineauction@gmail.com - Send Pictures to harlowonlineauctions@gmail.com Sebae Data Solutions, Inc. SERVICE TERMS AND CONDITIONS ACCEPTANCE OF TERMS Sebae Data Solutions, (the makers of Auction Flex & HiBid (formerly Bidopia) hereafter referred to as "Sebae"), provides its service to you, subject to the following Terms & Conditions ("TAC"), which we may update from time to time without notice to you. The most current version of the TAC can be found at any time by visiting the link: http://www.auctionflex.com/showtandc.ap USE AND REGISTRATION Our services are available only to, and may only be used by individuals who can form legally binding contracts under applicable law. Without limiting the foregoing, our services are not available to children (persons under the age of 18) or too temporarily or indefinitely suspended members. If you are under the age of 18, you can use this service only in conjunction with, and under the supervision of your parents or guardians. If you do not qualify, please do not use our service. If you are registering as a business entity, you represent that you have the authority to bind the entity to the TAC. REGISTRATION OBLIGATIONS In consideration of your use of the Service, you agree to: (a) provide true, accurate, current and complete information about yourself as prompted by the Service's registration form (such information being the "Bidder Information") and (b) maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or Sebae has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Sebae has the right to suspend or terminate your account and refuse any and all current or future use of the Service (or any portion thereof). DESCRIPTIONS OF SERVICE Sebae provides the following services under the Auction Flex & HiBid trademarks: Integrated Web Service (for Harlow Auctions), internet bidding (absentee, online-only, & webcast). You can learn more about these services in the following sections. HIBID INTERNET AUCTION PLATFORM & WEB SERVICE DESCRIPTION Sebae provides the HiBid (formerly Bidopia) Internet Auction Platform & Web Service ("HWS") under the HiBid trademark as a software solution for Harlow Auctions wishing to extend the audience of their live auctions to the internet. The HWS provides various features including internet absentee bidding, internet-only auctions, and webcast auctions. The HWS is able to changes its appearance to coincide with the website that it is powering. Accordingly, the HWS powers the www.hibid.com website as well as numerous Auction Flex customer websites. This ability to change appearance is a feature of the HWS. Much like internet merchant account providers can host a secure web page for a vendor to easily process payments, the HWS hosts certain portions of the Harlow Auctions website to easily enable advanced features such as internet bidding. INTERNET ABSENTEE BIDDING Internet absentee bidding allows you to place a bid for an item in advance of an auction. This allows you to place bids on lots without actually attending the auction. INTERNET-ONLY AUCTIONS Internet only bidding allows you to place a bid for an item prior to the auction lot closing online. In an internet-only auction there is no live auction. WEBCAST AUCTIONS Webcast auctions allow you to bid in real-time against other bidders or place pre-bids prior to a lot going "live". Lots are sold in accordance with the Harlow Auctions terms and conditions which are accessible from each lot's page. It is your responsibility to read and accept the Harlow Auctions terms and conditions prior to placing your bid. When you place a bid you are agreeing to be bound by the Harlow Auctions & Sebae's terms and conditions. By placing a bid you are entering into a legally binding and enforceable contract. Please keep in mind that you are bidding against other internet bidders as well as floor bidders, phone bidders, and regular absentee bidders (this list does not constitute a complete list of bidder types but does highlight the common bidder channels). Harlow Auctions, at their discretion, can approve or deny bidders. Harlow Auctions reserves the right to accept or deny bidders for any reason. Prior to approval Harlow Auctions may contact you to determine your credit worthiness. If Harlow Auctions approves your bid, Harlow Auctions will then process your bid in accordance with their terms and conditions. Should your bid for a lot prove successful, Harlow Auctions may contact you to arrange for payment & shipping (if applicable). If Harlow Auctions required registration via a credit card, Harlow Auctions reserves the right to process your winning bids to the credit card provided during registration. Sebae, through the Auction Flex & HiBid products & services, facilitates the internet bidding process between Harlow Auctions & the bidder. Sebae is in no way a party to the transaction. Because Sebae is not a party to the transaction, you accept that you will have no claim or cause of action against Sebae in respect of the sale (or non-sale) of any Lot. If you have a dispute with Harlow Auctions or another user of the Service with regard to the sale (or non-sale) of any Lot you agree that Sebae, its officers, agents, employees will not be liable for losses (including, but not limited to, loss of profits, special loss, indirect loss and consequential los), costs, damages, liabilities, claims, demands and expenses of any kind arising out of or connected with such dispute. You also accept that none of the aforementioned are under any obligation to take any action to resolve any dispute between you and Harlow Auctions Sebae is not responsible for any typographical, pictorial or technical errors in information about Lots on the Site as provided by Harlow Auctions. Sebae does not evaluate Lots and does not act as a specialist or expert on any related subject matter. Sebae makes no warranties or representation of any kind or nature with respect to Lots (including but not limited to representations or warranties as to the accuracy of description, genuineness, quality, authorship, attribution, provenance, period, culture, source, origin or safety). If you have any questions, e-mail Harlow Auctions directly. In particular, make sure that you understand the Harlow Auctions payment terms and shipping terms. BIDDING The Service requires you to login with your username and password prior to placing a bid on a Lot. Making bids with false information or with stolen credit card information is prohibited and illegal. Your user name and password are required in order to place internet bids. Making bids in a false name or with an invalid or stolen credit card is prohibited. Each bid carries the computer coding of the Internet provider which allows the individual user to be traced and Sebae may at its discretion release this information to enable legal action to be taken. Sebae may, in its entire discretion, refuse or remove bids where it suspects that bids contravene this prohibition. By placing a bid, you are making a binding and irrevocable offer to purchase the Item at any price up to the maximum bid amount you submit. If you win, you must complete the transaction, subject to any contractual right or other right at law to rescind the contract in certain circumstances. Failure to complete transaction without lawful reason is not only a breach of your contract with the Seller but also a breach of this User Agreement. The amount bid can be increased but cannot be decreased. Harlow Auctions may, at their discretion, allow you to withdraw and resubmit a bid in the case of bids containing an obvious typographical error. You may forward a request to withdraw a bid and resubmit a correct bid by immediately sending an email to the Harlow Auctions; however, there is no guarantee that any bid will be withdrawn. Although Sebae will use best efforts to forward all bids, Sebae does not accept any responsibility for lost bids or problems with the recipient Harlow Auctions ability to process your bid. Moreover, Sebae cannot guarantee that bids received will be processed by the individual Harlow Auctions. Please note that Sebae's role is limited to the provision of the Site for dissemination and publication of information provided by the Sellers. THE WINNING BID The winning bid in an auction will be the highest bid that exceeds any reserve (if a reserve exists). In the case of equal bids, the earliest bid received will be the winning bid. If a higher bid is subsequently withdrawn or removed then the Harlow Auctions shall have the right to accept the next highest bid. NOTICE OF END OF SALE, PAYMENT & SHIPPING After the sale has ended; the Harlow Auctions will notify the winning bidder via phone, fax or mail that they have won. If you do not receive notice that you have made the winning bid and think that you are the top bidder, you should check with the Harlow Auctions directly. You will make all payment for Items to the Harlow Auctions in accordance with their terms and conditions. BUYER'S PREMIUM, TAXES AND DUTIES If you are a successful bidder, you are responsible for paying any buyer's premium, taxes and duties (including any VAT, sales tax and import duties) that may be imposed on the final price paid for an Item. Accordingly, it is your responsibility to check the applicable taxes and duties that may be imposed on an Item prior to bidding for it. PRIVACY we do not sell or rent your personal information to third parties for their marketing purposes without your explicit consent and we only use your information as described in the Privacy Policy. COPYRIGHT All material and content as provided by the Service is protected by copyright and similar rights. You cannot use or make available any of that material for any commercial purpose. SPECIAL ADMONITIONS FOR INTERNATIONAL USE recognizing the global nature of the Internet, you agree to comply with all local rules regarding online conduct and acceptable content. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside. DISCLAIMER OF WARRANTIES You expressly understand and agree that: a. your use of the service is at your sole risk. The service is provided on an "as is" and "as available" basis. Seabee expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement. b. Sebae makes no warranty that (i) the service will meet your requirements, (ii) the service will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the use of the service will be accurate or reliable, (iv) the quality of any products, services, information, or other material purchased or obtained by you through the service will meet your expectations, and (v) any errors in the software will be corrected. c. Any material downloaded or otherwise obtained through the use of the service is done at your own discretion and risk and that you will be solely responsible for any damage to your computer system or loss of data that results from the download of any such material. D. no advice or information, whether oral or written, obtained by you from Sebae or through or from the service shall create any warranty not expressly state in the TAC. LIMITATION OF LIABILITY You expressly understand and agree that Sebae shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if Sebae has been advised of the possibility of such damages), resulting from: (i) the use or the inability to use the service; (ii) the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from the service; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of any third party on the service; or (v) any other matter relating to the service. EXCLUSIONS AND LIMITATIONS Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations of the previous two sections titled 'Disclaimer of Warranties' and 'Limitation of Liability' may not apply to you. INDEMNITY you agree to indemnify and hold Sebae harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your breach of this Agreement or the documents it incorporates by reference, or your violation of any law or the rights of a third party. LEGAL COMPLIANCE You shall comply with all applicable domestic and international laws, statutes, ordinances and regulations regarding your use of our service and your bidding on, listing, purchase, solicitation of offers to purchase, and sale of items. GENERAL INFORMATION the TAC constitutes the entire agreement between you and Sebae and governs your use of the Service, superseding any prior agreements between you and Sebae. The TAC and the relationship between you and Sebae shall be governed by the laws of the State of Florida without regard to its conflict of law provisions. You and Sebae agree to submit to the personal and exclusive jurisdiction of the courts located within the county of Marion, Florida. The failure of Sebae to exercise or enforce any right or provision of the TAC shall not constitute a waiver of such right or provision. If any provision of the TAC is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the TAC remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the TAC must be filed within one (1) year after such claim or cause of action arose or be forever barred.
Your bid must adhere to the bid increment schedule.
Bid Amount Bid Increment
0.00 - 4.00 1.00 USD
4.01 - 18.00 2.00 USD
18.01 - 95.00 5.00 USD
95.01 - 95.00 5.00 USD
95.01 - 975.00 25.00 USD
975.01 - 9,750.00 250.00 USD
9,750.01 - 97,500.00 2,500.00 USD
97,500.01 - 9,999,999.99 10,000.00 USD
Currency USD
Buyer Premium 15% Credit Cards, 12% Cash
Payment Terms
You will receive an invoice after the auction. You can pay cash when you pick up your items - or your credit card will be billed after the pick up dates on Dec. 5, 2020. Our number is 386-265-0021 or harlowonlineauctions.com - No Checks 15% Buyer's Premium - 12% Buyers Premium for CASH USD Buyer: 15% on all lots & 6.5% Daytona Beach Sales Tax. Tax Exempt forms can be submitted on harlowonlineauctions.com - contact page.
Pickup of items is Dec. 2, 3, 5) 11am - 3:00pm - any concerns call 386-265-0021.
Notice: Financing terms available may vary depending on applicant and/or guarantor credit profile(s) and additional approval conditions. Assets aged 10-15 years or more may require increased finance charges. Financing approval may require pledge of collateral as security. Applicant credit profile including FICO is used for credit review. Commercial financing provided or arranged by Express Tech-Financing, LLC pursuant to California Finance Lender License #60DBO54873. Consumer financing arranged by Express Tech-Financing, LLC pursuant to California Finance Lender License #60DBO54873 and state licenses listed at the this link. Consumer financing not available for consumers residing in Alaska, Louisiana, Nevada, Ohio, Vermont, Hawaii, or Wisconsin. Additional state restrictions may apply. Equal opportunity lender.