11063 Card Holders
  • Shawna Carrillo from Abingdon , Va has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Kerry King from San Bernardino , Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Amelia Lane from Gary, In has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Javalyn Harris from Houston, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jazema Gantz from Detroit, Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Cecilia Matthews from Washington, Dc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Milika Colbert from Calera, Al has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jacqueline Moden from Cordova, Tn has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Ronald Perry from Missouri City, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Antoine Barnes from Suffolk, Va has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Christina Edmondson from Grand Rapids , Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Tonshia Fluitt from Greensboro, Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Adell Mariani from Evans, Colorado has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Lisa Hern from Westerville, Oh has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Glenn Campbell from Pasadena, Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Billy Miller from Fishkill, Ny has become a Ztegrity Ultra Elite Rewards Card Holder!
  • 911 (old Chey Hard) Cash from Freeport, Md has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Peter Halloran from Whorouly, Victoria has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Shauntel Hausley from Hampton , Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Ronda Baker from Charlotte , Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Darin Lavine from Longwood, Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Joann Buentello from Desoto, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Marcus Bryant from Allentown , Pa has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Mercedes Hopkins from Snellville, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Johnson Revolus from Spring Valley, Ny has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Kevin Pugh from Chesterton, In has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Kelly Sparks from Baltimore, Md has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Evelyn Jarbah from Golden Valley, Mn has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Andree Martin Reed from Suitland , Md has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Lashaun Hale from District Heights, Md has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Thanakarn Phakpanya from North Hollywood , Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Lillieth Douglas from Wellington, Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Karen King from Coral Springs, Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Barry Edmonds from Clearwater, Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Beverly Troutman-lee from Fairfield, Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Arthur Murrell from Indianapolis, In has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jarret Doyle from Neptune , Nj has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Iris Gosserand from Stockbridge, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Joseph Chinapen from Bronx, Ny has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Marlon Foster from Missouri City, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Monica Castruita from Riverside, Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Michelle Robinson from Lincoln, Ne has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Dr. Marian Freeman from Richmond, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Matthew Conley from Jonesboro, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Felishia Garrett from Flint, Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Turon Gordon from Newport News, Va has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Carolyn Lasane from Greenville, Sc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • David Samuels from Brampton , On has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Leon Jenkins from Missouri City, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Chris Kennedy from Olivette, Mo has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Gary Batrony from Brooklyn, Ny has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Sonya Scott from Little Rock, Ar has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Shavonda Thompkins-coleman from Schertz, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Donna Thomas from Bronx, Ny has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Belinda Davis from Redford, Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Marques Holland from Dallas, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Rose Glenny from Boonsboro, Md has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Autusi Telea from Pago Pago, has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Van Edward Segundo from Infanta, has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Danica Britton from Brooklyn, Ny has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Crystal Witcher from Henrico, Va has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Michael Johnson from Phoenix, Az has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Tabea-claudia Baessler from Villingen-schwenningen, has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Cody Wilson from Ammon, Id has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Enzo Martial Tala from Chicago, Il has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Zeno Cohen from Post Falls, Id has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Ashley Lewis from Flint, Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Rodricquez Cunningham from Ellenwood, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Yolanda Goode from Georgetown, De has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Vincent Johnson from Stone Mountain , Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Linda Mcnair from Detroit, Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Caleb Jackson from Seattle, Wa has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Ernest Lowe from Marietta, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Akia Booker from Bedford Heights, Oh has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Tiffany Ravenell from Fair Oaks, Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Serigne Bousso from Charlotte, Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Emmanuel Fosu from Nashville, Tn has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Calysta Green from Auburn, Me has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Luis Montalvo from Bronx, Ny has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Carl Serrette from Greensboro, Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Michael Perry from Sacramento , Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Audrey Mandengue from Houston, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Prianca Little from Windermere, Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jacquese Manning from Hammond, In has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Nathaniel Green from , has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Byron Smith from Sugar Land, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Lagoge Graham from Casselberry, Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Sherry Hunt from Kingsport, Tn has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Nicole Norris from Greensboro , Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jude Courtenay from Chicago, Il has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Wesley Blocker from New Rochelle, Ny has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Rhonda Smith from Fruitland , Id has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Mathias Ebot from Laurel , Md has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Kathleen Santanella from Summerville, Sc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Damon Randle from Kings Mountain, Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Pedro Burgos from Columbus, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Nathen Thomas from Fayetteville , Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Neema Wanjiku Kihara from Nairobi, Kenya has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Ken Knotts from Ontario, Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Daryl Levon Smith from Missouri City, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Angela Lewis-thompson from Kansas City, Mo has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Floyd Brown from Los Angeles, Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Gloria Burnett from Gloucester, Va has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Toriana Winston from Fayetteville, Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Andrew Mauldin from Santa Rosa , Ca. has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Gerard Fairley from Duluth, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • David Evaige from Waxahachie, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Benitez Matias from Bloomington, Mn has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Kenneth Robinson from Spring, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Capria Taylor from Spring Lake, Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Lemy Williams from Hollywood, Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Nell Wilkins from Manchester, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Elijah Bryan from Canton, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Kira Jo Munn from Fort Worth, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Gerald Fruzia from Spring, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Alycia Hart from Oklahoma City, Ok has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Johnie Drawn from Altadena, Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Alaysja Harrison from Twinsburg, Oh has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Katrina Franklin from Sauk Village , Il has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Sariah Price from Hampton, Va has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Elissa Ford from Las Vegas, Nv has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Michael Calvert from Plano, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Frances Browning from Houston, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Caleb Jackson from Seattle, Wa has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Michelle Beckett from Va Beach, Va has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Bobby Slaughter from Memphis, Tn has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Aireonna Jones from Battle Creek , Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • La Taya Cathey from Bristol, Tennessee has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Bernard Dale from Lamarque, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Kaneisha Harper from Walker, La has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Daveon Holifield from Los Angeles, Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Gwendolyn White from Elk Grove, Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Lamont Bush from Odenton, Md has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Eduardo Boaz Fruto from Saint Louis, Mo has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Kevin Miller from Houston, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Levon Walton Ii from Martinez, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Julianne Locke from Carbondale , Il has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Michelle Yisrael from Chicago, Il has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Sebastain Isom from Kissimmee, Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • David Evaige from Waxahachie, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Benjamin Royal from Fort Lauderdale , Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Gary Waters from Baltimore, Md has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Kaimana Soliai from Wahiawa, Hi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Roosevelt Hockaday from Fayetteville , Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Harry Chubbs from Sanford, Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Sophia Toney from Pompano, Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Wayne Mcneil from Philadelphia , Pa has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Ciara Littles from Jacksonville, Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Antoine Ladson from Columbus, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Zack Haller from Westland, Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Rhonda Smith from Fruitland , Id has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Lavoris Brown from Miami, Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Selah Jefferson from Houston, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Erin Ferguson from Atlanta, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • In The Moment Productions from Cinnaminson, Nj has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Sharrod King from Milledgeville , Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Linda Bilton from Hillsdale, Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jamel Howard from St. Clair Shores , Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Donald Gonsalves from Croydon, Surrey has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Joe Brown from Oxon Hill, Md has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Nancy Ndegwa from Nairobi , Nairobi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Lisa Kay Tubergan from Quincy, Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Antwan Pernell from Columbia , Sc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Lot Montgomery from Portland, Oregon has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Matthew Wagoner from Compton, Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jeffery Wilson from Sugarland, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jeffrey Zorbo from Kalamazzo, Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Josh Richardson from Houston, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Christopher Sweet from Harlingen, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Maegan Toto from Somonauk, Il has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Shelia Spence from Garner, Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Toya Turner from Kennesaw , Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jonathan Cryer from Cedar Park, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Alice Early from York, Pa has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Ja'von Elam from Detroit, Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Gregory Oputa from Houston, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Randy Pew from Miami, Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Sue Smith from Palmer, Ak has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Spencer Williams from Bastrop, La has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Maurice Robinson from Port Of Spain, has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jamila Miller from Van Nuys, Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Michael Johnson from Phoenix, Az has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Charles Mcneil from Brenham, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Albertina Moreno from Tucson, Az has become a Ztegrity Ultra Elite Rewards Card Holder!
  • John Nix from Dallas, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Carolyn Cotchery from Cleveland, Oh has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Rolonda Goodwin from Lawrenceville, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Gwen Evans from Houston, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Nassar Suluki from Apopka , Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jesus Salinas from Elgin, Illinois has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Freddie Arline from Fresno , Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Anthony O'brien from Wyreema, Queensland has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Maurice Morris from Arlington , Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Shameeka Reyes from Loganville , Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Inshallah Evans from Stockton, Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Roy Reed Jr. from Chicago, Il has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Latasha Knight from Westland , Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Ardis Lewis Jr. from Ypsilanti, Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Armen Hamalian from Delray Beach, Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Alan Sisson, Jr. from Ypsilanti, Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
Introducing The Worlds First METAL Prepaid MasterCard With World Class Rewards!
Introducing The Worlds First Secured, Prepaid, Elite Rewards, Debit Card Made Out Of Metal!
"What if we created beautiful metal cards that combine the 5 types of cards into a single
card?  I think we could create an amazing product that would really help a lot of people!"
Troy Mason C.E.O.
Introducing The Worlds First METAL Prepaid MasterCard With World Class Rewards!
A ZBLACKCARD IS LIKE A SECURED CARD

* It can help you to establish or rebuild your credit history with
  responsible use.

* It allows you to have a secured credit line of up to $10,000.

* Good credit or a bank account is NOT required to get a card.

* Your card can also be used as a prepaid card that you can
  load to make your purchases.
Introducing The Worlds First METAL Prepaid MasterCard With World Class Rewards!
Introducing The Worlds First METAL Prepaid MasterCard With World Class Rewards!
A ZBLACKCARD IS LIKE A CREDIT CARD
* It allows you to rent cars.
* It allows you to book hotel rooms.
A ZBLACKCARD IS LIKE AN ULTRA ELITE REWARDS CARD
* It allows you to earn amazing rewards
* It allows you to earn incredible shopping sprees
* It allows you to drive your dream car
* It allows you to earn fantastic vacations
Introducing The Worlds First METAL Prepaid MasterCard With World Class Rewards!
YOUR ZBLACKCARD COMES WITH A BANK ACCOUNT
* You can do direct deposit and money transfers to your card.
* You can save a ton of money on a number of fees with our card.
* You can withdraw your money from bank tellers at ANY bank.
* You can load money to your card with the INGO Phone App.
* You can use Western Union and MoneyGram to load your card.
* Also there are never any point of sales fees with your card.
* There is never any late fees, overdraft fees or transfer fees.
* Over 70,000 in network ATMs with no more than a $1 fee.
Introducing The Worlds First METAL Prepaid MasterCard With World Class Rewards!
Let's talk about building credit
A good credit score can help you when you need to borrow money to pay down bills or buy a car. But you need a way to build credit. That's why we created the ZBlackCard Secured Card.

It works just like any other card. The difference is that we give you a secure line of credit up to the amount you select.

Be sure to make on-time payments and keep your card balance low. Your monthly payments get reported to the credit bureaus, which can help you build a positive credit file over time.