Diamond Bank & Its Funny Policies

 

A few days ago,the management of diamond bank sent a text message to its customers indicating that from November 1,2017,the said bank will retain a balance of NGN5000  in their accounts.

The question on the lips of many customers of the bank is  "but why" other banks dont do that why is diamond bank always funny. Tongues wagged that some months ago,the aforementioned bank came up with a  policy of not allowing customers withdraw from their HIDA accounts,owing it to the fact that they get interest from that type of accounts,however when they saw that customers frowned at that policy,refused to operate HIDA accounts as usual,they introduced another policy that customers can now withdraw 3 times in a month after which they wouldn't get any interest. 

Its important that diamond bank looks into its product development/policy team to avoid falling into a ditch.

Nigerians React To Ayo Fayose's Intention

LAGOS PPRO Says Police Has No Right To Check Your Mobile Phone

Lagos PPRO Says Police Shouldnt Ask For Car Tinted Permit Renewal

IBE KACHIKWU ACCUSES NNPC GMD OF INSURBORDINATION

Whether U Vote Me Or Not I Will Do It Take Away-Ayo Fayose

Fani Kayode Throws Big Support For Ayo Fayose Presidential Declaration

Facebook In Fresh Trouble

Facebook created a workplace where employees openly mocked a guy for being as ancient as - wait for it - 50 years old ... at least according to the ex-worker who's suing.

Gary Glouner says he worked under the Facebook umbrella for 2 years, and during that time was the butt of many ageist jokes. According to the docs,  the age cracks included:

- "Old people shouldn't be working at Facebook; they just don't relate"
- "Old people are just creepy"
- "Old people don't belong at Facebook"

Glouner says Mark Zuckerberg himself made public comments in 2007 where he said, "Young people are just smarter." He adds ... the ageism was institutional because during an HR presentation they displayed a chart highlighting the low energy of employees in their 50s.


Worst of all, he says his co-workers in their 20s and 30s always got cake and group celebrations, while he got bupkis. Glouner also claims his boss told him they didn't want to embarrass him by highlighting his advanced age.

Femi Fani Kayode Says Pres.Buhari Is Wicked

LAGOS STATE MIN OF AGRIC LAUNCHES EXECUTIVE TRAINING IN FISH FARMING

Please call Mr.Wale Mojeed of the LASG,Ministry of Agriculture on 08094568231/08143503007.
See poster below for more details.

Hear What Abba Kyari Says About Kidnapper,Evans &The Social Media

Friends: There is a Need to Clear the Air on some Issues that are Misinforming/Misleading the Good members of the public who are Passionate about Fighting Crime. Number 1) 90 Percent of all Informations Relating to the arrest of Evans and What Evans Said that's being shared on Social Media and Some Print Media are False. Just like most Nigerians, I wake up every morning and hear Different False Stories on Social Media pertaining to how we arrested Evans and what He Said. 2) The Actual Strategy and Technology we used in Arresting Vampire, Evans and other Big Kidnappers is known to only Me and Very few Senior officers I am working together with in the FHQ. Someone Like Evans would Never have been arrested based on the few technics that were officially mentioned or The ones Circulating in Social Media which are actually Technics already known to Criminals. We've gone ahead of those Technics. Our Real Strategy and Technology used in Picking Evans and his gang members have Never been Mentioned to the Media or Members of the Public, and will never be mentioned. 4) Evans Faced the Media Twice; First when he was Paraded in the Lagos Command HQ by the Force Public Relations Officer and Secondly when he took IRT Detectives to his detention Camps in Lagos for the world to witness him taking the Police to his camp that only him and his boys knows. This is so that in Future he cannot deny acquiring and Operating Kidnapper's detention camps in Lagos. 5) Please I Urge Members of the Public to focus more on what they See or hear from Major Newspapers and Television Stations who have names to protect and avoid the Avalanche of Lies and Fictions that is coming out from blogs & Social Media everyday. Yes we agree Evans is the Biggest and Most Notorious Criminal arrested during the Social Media Age in Nigeria, but there should be some decree of Decorum and Honesty in Reporting News please. Many Thanks to All Our friends and well wishers. May the Almighty bless us all in our endeavors.

The thrilling stage play ‘ÌTÀN The story’ hits lagos

The thrilling stage play ‘ÌTÀN The story’ produced by THESPIAN Family Theatre & Productions is back this June by popular demand.

ÌTÀN is set to host the biggest theatre production this june in Lagos and it promises to be the best show this eid  el fitri. This production features popular stage icons like Hafiz Oyetoro a.k.a ‘Saka’, Yinka Davies, Efe Mayford- Orhorha, Lara Akinsola, Nissi George, Paul Adams, Kunle Dada, Henry Arnold & more.

ÌTÀN the story is a total theatre production with rich drama, music and a blend of cultural and contemporary dance. The play also brings to the fore, the tension and misunderstanding that often exists between different age-generations.

ÌTÀN, written by Ayo Jaiyesimi founder of THESPIAN Family Theatre & Productions, showcases Àsìkò (‘Time’ personified) who intervenes in a feud between hotheaded village elder and his newly discovered ‘city, roller-coaster ‘grandson. Both strongly rooted in their beliefs, refuse to shift their grounds in their battle for ‘generational’ supremacy.  Àsìkò takes them on a journey into the past and the future and they both discover dark secrets that make them come to terms with the fact that they need each other to survive.

ÌTÀN (the story) ,this eid el fitri is proudly supported by the AMC, Radix, MTN, fanmilk, Leadway Insurance,Airtel, TVC, Nestle, Media Integra, City People, Ynaija, Bates Cosse, Afrinolly, WFM 91.7, 360Nobs, R2TV, Nutricima, Wilson Juice,  UAC Foods, Nothing To Do in Lagos, Pulse NG, Fomo in Lagos, Living in Lagos, Pulse, Infobuddie, OloriSupergal, Penzaarville, Awa TV, RealStars Tv & NTA.

Details of ÌTÀN Stageplay:

June Shows
Date: June 24th, 25th & 26th, 2017.
Time: 3:00pm & 6:00pm daily (1:00pm, 4:00pm & 7:00pm only on the 26^th)
Venue: TERRAKULTURE, Plot 1376, Tiamiyu Savage, Off Ahmadu Bello Way, Victoria Island,Lagos
Tickets: VVIP N25,000, VIP N10,000 & Regular N5000

Tickets are available at Partner outlets – Freedom Park, Naija Ticketshop, Afritickets, Ozone Cinemas, FilmHouse Cinemas, Shoprite Stores, AriiyaTickets Silverbird Galleria, Ethnic Heritage Centre, Bogobiri, Terrakulture, Citrus Lifestyle, dealdey,ticketsextra,SLOT and Ebeano,TFC,SweetSensation.

Email for ticket booking – thespianfamilytheatre@gmail.com or call 07066471744/07046380179

Join the conversation online using #itanstageplay.

Follow @Thespianfamily on Facebook/Twitter & Instagram

OBA OF LAGOS DROPS ANOTHER BOMBSHELL, SAYS 'LAGOS IS NIGERIA

Royal entry of ONII of IFE to Lagos @ 50

BILLIONAIRES PARTY AT GBENGA DANIEL'S 6OTH BIRTHDAY WITH KSA ON STAGE

OBJ'S SON, JUWON WEDS BABA IJEBU'S DAUGHTER, TOLU

VIDEO: WASIU AYINDE PERFORMS AT ENIOLA BADMUS' FATHER BURIAL

Hear What Fmr President Obasanjo Said About Late Bola Ige.

Are You In Search Of a partner?

Are you genuinely  in  search of a partner?
Are you up to 21 years of age?
If yes, send your name,location,state of origin,sex,height,color,physical attributes,occupation,tribe,specification of desired partner,other necessary details to editor@silentreporters.com
If you are not up to 21years of age ,please don't bother sending a mail.Just go to school!

THROWBACK: High and Mighty Celebrate With Olusegun Obasanjo On His 80th Birthday

THROW BACK: PASUMA'S DAUGHTER, WASILAT'S STAR STUDDED BIRTHDAY PARTY

SGF,Babachir Lawal Queries His Suspension + Says Who Is The Presidency?

OBJ,AMOSUN,BABA IJEBU,OTHERS CELEBRATE WITH EBENEZER OBEY @ 75

Irresistible deals at JASPHINY TRAVELS AND TOURS LTD

Irresistible deals at JASPHINY TRAVELS AND TOURS LTD....

Affordable Flight tickets (domestic/intl'), hotel bookings, car hire services, Visa
assistance, travel simcard, Pay small small, tour packages, faith based travels,
school trips etc call +2348084002332 OR 08187378711 


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send us an email jasphinytravels@gmail.com and customercarejasphinytravels@outlook.com

Earn Mininum Of #10,000 Daily Selling Rehabiah Gold

Become A GIRL BOSS, earning a minimum of 10k daily selling Rehabiah Gold.

rehabiah gold by enny idris

rehabiah gold by enny idris

Contemporary jewellery pieces for Today's Woman.

REHABIAH GOLD JEWELLERY pieces are made from gold plating, which is a metal deposition process used to coat metals with a decorative and protective layer.

The plating process which imparts an extremely bright and hard wearing finish to our jewellery pieces, affords a durable finish of exceptional brightness.

The 18 carat gold finishes on REHABIAH GOLD JEWELLERY further enhances the appearance and longevity of the our delicately picked designs for up to 5years.

This makes them irresistible to discerning women .
And that's what makes our REHABIAH GOLD JEWELLERY PIECES an effortless sell.

With as low as 25,000 one can become a distributor and the returns are guaranteed to be worth it.

It's as simple as marketing to one's network. And you're in business!!

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7 Business Venture That Offers Genuine Promo This Easter

After extensive research on lagos businesses that offer genuine promo and discount this Easter
Silent Reporters bring to you only 7 confirmed businesses that guarantees a deal this month.


Sixth Sense Furniture and Interiors- when it comes to furnishings and interiors, sixth sense is the boss.You need not look anywhere else for sofas,coffee tables,console tables,rugs,curtains,etc .
This famed interior company is the brain child of Temitope Olagbegi who fondly says she has six senses as to the regular five senses.
For Tope, her sixth sense is to "beautify spaces".

Sixth Sense has been a passion she nurtured for years,a passion for discovering,rearranging,bringing life and beauty into every space.
Even Mrs Olagbegi's secondary school mates testify that her bed space was different from theirs.
It came into reality in terms of being in business,when she started to transform this flair into a means of livelihood,some 17 years ago,she decided to take it a higher step by turning it into a money making venture.
This February 8 born daughter of Brigadier General Ajana is an exceptional decorator with an eye for detail.


ZHONI- is a Nigerian clothier who offers exciting and beautifully designed quality clothing and footwear, of course accessories for men of class.
The brand ZHONI  is owned by a beautiful woman of substance in the person of Mrs. Bimpe Zhoni. Bimpe is a fusion of brain and beauty without no air around her.
Do you desire more attention at work,events and anytime you step out?

I bet, a ZHONI rich cut fitted shirt with a split yoke,removable collar bones with a long tail on a nice pair of ZHONI fitted chinos sitting on a black patent ZHONI shoe would earn you accolades anytime.
For Easter,this fashion brand is offering a promo on its trendy blazers and tuxedos.
Please visit www.zhoni.com or call 08023096526.
ZHONI blazers will dress you up. ZHONI blazers will fit in with your t shirt.
ZHONI blazers will give you a dignified and trustworthy look without appearing out of place.
Want to make a first and everlasting impression? You can never go wrong with ZHONI clothes,especially its blazers and tuxedos.
Whether you're an accountant,a computer programmer,an engineer,a journalist or even a business mogul.
This brilliant and versatile work of Bimpe will elevate you at work,in your clients eyes.
Bimpe's creation will enhance your productivity,give you guts and confidence.
If you are not wearing ZHONI blazers,there is no better way to dress respectably.
ZHONI is situated at 62,Opebi road,Ikeja,Lagos.


BBG- is an upscale unisex boutique in ikoyi.
BBG is nicknamed the Harrods of lagos. After so much preparation,extensive research and several meetings with world's top luxury brands in Milan,Paris,Geneva,London,Johannesburg,Mauritius,etc.
A state of art luxury concept finally comes to ikoyi with the opening of BBG.
BBG means BOLAJI BISIRIYU GIWA. British born and trained Bolaji is the amiable daughter of Femi Bisiriyu.
Bolaji has entered into a thrilling venture to bring luxury retail and world famous brands to lagos in a new fresh and innovative way.
BBG guarantees its customers an ultimate experience with its serene and welcoming atmosphere,including a wide range of world class brands such as Armani,Roberto Cavalli,Collezioni,etc.
To celebrate Easter,BBG is giving a whopping 10% discount off world class brands at its 1,bank road,Ikoyi,Ikoyi Shopping Mall. shop. BBG can be reached on 07039881376.


Tobmak Collections- Just Mention Tobmak and even the birds will say "Italian leather shoes",Tobmak is known for its quality Italian leather shoes,bags,sandals,slippers for both sex and children.There is a controversy on the ownership of this top notch store. A lot of people believe Tobmak Collections is owned by an Italian man, while some are of the opinion that is owned by a Briton. Others say the ownership of this exclusive Italian store belongs to an Egyptian woman.
Silent Reporters can authoritatively reveal to you that it belongs to a Nigerian woman called Mrs.Yewande Funsho-Fakunle.
Yewande is blessed with beauty. Ijebu born yewande is a banker turned Italian stylist.

Mrs Funsho-Fakunle has an eye for Italian shoes.
Tobmak is giving out a 15% discount to all customers this Easter,this month.
Tobmak is at shopE276,Ikota shopping complex. You can also shop online @ www.tobmak.com 0r cal 08156005555.


Bargain Buys- What do you give to a man or a woman who has everything?

 Find out at Bargain Buys ltd, 11,Agungi road,Shepherds place off Lekki Expressway,Agungi Bus stop,Lekki. Alternatively, if you are on the mainland,you could visit suite D,beside Yemkem restaurant,Iponri shopping complex,you could also call 08187744500 for orders.
The life of the rich and not necessarily famous is one that is filled with many adventures of a constant search for the finest things of life.
Everyday at bargain buys,new brands emerge to cater for the insatiable needs of those of the upper class while offering exclusive options.
As the name implies,bargain buys,you can actually bargain on the prices of beautiful and classy party packs,souvenirs to remember,toys that children love,corporate gifts,children gifts,personalized gifts,furniture's and interiors that reflect wealth and classy lifestyle without diping a large hole in your pockets.



Top To Toe Fashion is a contemporary design store dedicated to international fashion.
As the name implies,it caters for A-Z of fashion,every fashionable item you want from your head to your toe is available at Top To Toe.
This upscale store is the creation of Bunmi Kuti,whose passion led to the creation of this haven of luxury goods from all over the world.
Top to toe was created to connect women who work so hard and deserve to look good with world class luxury clothes,shoes,accessories.
It is situated at 51,Opebi road,Ikeja,Lagos.You can also reach me on 08033014386/08023369884.

Sofban Store- Sofban is the new kid on the block. Sofban at Ogba is an architectural masterpiece. Sofban stocks beauty products ranging from hair to body products.
This exclusive store has a clothing line for adult and kids and as well as a makeup studio.
Sofban is Mrs Banjo's innovation.
You can also call sofban for a professional gele and makeup artist for  your owambe celebration. Sofban can be reached on 08035609690

NPC DG Says 2018 Census To Gulp #272billion

The Director General of national  population census, Dr Ghaji Bello has said that the proposed 2018 census will gulp a whooping  272 billion naira. Bello said this in newyork.
 He also added that the federal government of nigeria was expected to fund this project with 51% of the sum while the remaining 49% will be funded by international donors.

For Ladies Eyes Only

Dear ladies! Who do you prefer a body massage from? 
A male or  a female? 
#honestanswersonly

Real Reasons Why Italian Government Deported 40 Nigerians

Day before yesterday,40 Nigerians were deported from Italy by the Italian government.
The reasons for deportation however are not far fetched as 39 out of 40 were deported for immigration reasons,while one male was deported for drug related offenses.

The deportees arrived Muritala Muhammed international airport, lagos, nigeria at 8.25 pm via Nigeria aboard Air Meridiana aircraft with the registration number E1-FNU.
The deportees comprised of men and women. We gathered that the returnee with drug related issues would be handed over to police for further prosecution while 39 others were profiled by the officials of the Nigerian Immigration Service attached to the airport.

I Make Bold To Say Nigeria's Consumer Protection Act Isnt Effective- ENITIOLORUNDA ABIOLA -IDRIS

It is a norm for every nation to make a law that is expected to protect the interest of its citizens in the course of shopping for goods and services. However, this motion is known as consumer protection.
It guards against exploitation of consumers,reduces the risk of exposure to harm from buying and using a product. It also serves as a platform for consumers to seek redress in the event of exploitation.
The Nigeria consumer protection council act under chapter C25,laws of the Federation of Nigeria 2004, it is an act to provide for the establishment of the consumer protection  council and for matters connected therewith.

The council is made up of a chairman,a representative of each state in the Federal Republic of Nigeria and persons representing the ministries of health, commerce, industry, science and technology and petroleum resources.
The function of the council includes the following but are not limited to
1. Provide instant redress to consumers complaints through negotiation, mediation and conciliation.
2. Seek ways and means of eliminating hazardous products from the market and causing offenders to  replace such products with appropriate alternatives.
3. Cause an offending company or an individual to report ,compensate or provide relief an safeguards to injured consumers or community from adverse effects of technologies that are inherently harmful.
4. Ensure consumer interest receive due consideration at appropriate forum and provide redress for the exploitation of consumers.

As impeccable as these objectives are, the appraisal of the impact of the act lies in the deliverables.
The ability of the council to record a pass mark in its deliverables rests in its success in combating law offenders.

Case Study

Research has it that newbisco coaster biscuit is in high demand compared to newbisco crackers biscuit.
Two nights ago, i came back from work famished,took a walk into a local store in my neighborhood at okeira, ogba, lagos, nigeria to get newbisco coaster biscuit and a drink.
Unfortunately when i requested for the biscuit the young man told me that i cannot buy newbisco coaster biscuit without buying cracker biscuit, so i asked why and he said bros, that was how they made it compulsory for us at the market, so we have to make it compulsory for our buyers.

Apparently both newbisco crackers and coaster biscuits are manufactured by the same manufacturer.
I  think newbisco is exploiting nigerians by coming up with such policy to forcefully sell their  products.

The Untold Story: Why South Africans Hate Nigerians By Enitiolorunda Abiola-Idris

Why Nigerians Travel To South Africa?
What South Africa is to Nigeria is what America represents to many across the world.
A land of opportunity. When gold was discovered in Johannesburg, South Africa in 1886, it was being mined by men from a dozen of African nations.

Today , Madiba's country is a magnet for Congolese, Ethiopians, Malawians, Mozambicans, Nigerians, Somalis, Zimbabweans and others fleeing conflict or seeking to improve their lives.

However, the recent wave of xenophobia attack on fellow Africans including Nigerians has tarnished the image and fueled resentment among those who accuse Madiba's countrymen of arrogant exceptionalism that resents its fellow Africans.

Chris, 36 , a security guard from  Nigeria had this to say  "I chose South Africa because the living conditions are better than any other country
 Its a shock for me that its not the democratic country i envisaged
 I am disappointed than an African brother can do this to his fellow African brother, this depicts hatred in the heart of South African's
Adding that, some men gathered and said he is a Nigerian, get him and stab him, these are men i have known for some years now, they pursued me and stabbed me on my back, taking my phones and the little money i had left for survival
In the middle of the night, i heard my neighbors been tortured, screaming and running for their lives.
They even hit some of them with a hammer and said you must pack your things and leave"


What Are The Forms Of Xenophobic Attack?
1.Physical Violence
2.Business Location Vandalization
3.Home Vandalization
4.Extortion

 How Hate Attack On Nigerians Began

Again, South Africa's xenophobic attack hit Nigerians.
Having started at Durban, in February, 2017, later spread to Johannesburg.
A large number  of houses and businesses that belonged to Nigerians were vandalized.
Its note worthy to state that  quite a number of Nigerians have been stabbed, beaten, injured, molested by South African's who accuse Nigerians of taking their jobs and their women.


Untold Story:  Real Reasons Nigerians Are Being Attacked In Madiba's Country

1. Morbid hatred and jealousy for Nigerians- South Africans harbor morbid hatred for Nigerians,simply because the latter are doing better than them.
Naija's as fondly called are by default very aggressive , highly committed to their businesses, hence they succeed.

2. Lack of education/skills/training-  History has it that the government sponsored apartheid regime was designed to keep the black South African's at the lower cadre of the social order.
Apart from being deterred from parity with the white's in their homeland, the black's could not access basic social amenities like education, their lack of education during the apartheid era suffered their generation to be unable to rub shoulder's and stay relevant in a post apartheid society.
This explains why many South African's are uneducated and jobless, however, frustration has turned into hatred towards other African's whom they accuse of taking their low cadre jobs.

3. Nigerian fraudsters & South African Women-  It is note worthy to mention that 85% of Nigerian guys in South Africa are fraudsters.
However they make so much money, buy expensive cars, drinks, live large to the extent of having 2-3 South African married women in their abode turned brothel.
 These women leave their husbands, boyfriends, fiances for Nigerian scammers who spend so much money on them, while their South African husband remain sex starved.

4. South African men are lazy & irresponsible- Its in South Africa, i saw a woman take care of the family, the man who is suppose to be the head of the family is not working, is referred to as a "local"  extorts money, phones from people at night and then sell it, use the money to get high, sleep on the road side,hence the ladies opt for rich Nigerian guys.

5. Cheap labor- It is a known fact that the menial jobs belongs to black South African's because they have no education, yet  Nigerian's still apply for those menial jobs because they do not have the required papers to get decent jobs.
 Jobs that  pay  100 rand per week will be  given to a Nigerian who is ready to  take a token of 45 rand or less because they do not have papers to get white collar jobs.

Its quite disheartening to hear that Zulu King was quoted to have said that Nigerians should pack their bags and leave now.

The $100 Domiciliary Account Saga

Its a known fact that in Nigeria to open a domiciliary account of any kind requires foreign exchange.

To open a dollar domiciliary account requires a $100 note and the same applies to pounds and  euro.

Despite the fact that the federal govt pumped millions of dollars into the market to sustain liquidity of dollars in the inter-bank foreign exchange market, commercial banks still ask its customers to patronize parallel markets for dollar notes to open domiciliary accounts when they can collect its equivalent in naira and credit the  domiciliary account .

In what way will this policy stabilize the foreign exchange market?

Why Shouldn't Diamond Bank's Integrity Be Questioned?

Some years ago , Diamond Bank Plc launched a product called HIDA account which denotes "High Interest Deposit Account" with the purpose of  encouraging people to save money for a project  with a minimum balance of #100000(ONE HUNDRED THOUSAND NAIRA).

The most interesting feature of this product was its "USP" which gave people the opportunity to save towards a project , get high interest rate, withdraw from their respective accounts anytime they deem fit.

On, March 13 2017, the aforementioned bank sent a mail to its customers that the rule has changed adding that HIDA account holders would no longer be able to withdraw from their accounts anymore also only transfer to other Diamond Bank accounts can be made twice a month.

This decision of the bank led to a  pandemonium  in the Ogba branch of Diamond Bank.

I understand that the said bank must have requested for the approval of this so called policy change
from the Central Bank of Nigeria but the truth about the matter is that the CBN needs to take a deep look at this so called policy change that lacks integrity.

Should Pres. Buhari continue with this "table tennis" with the senate?

Should pres.buhari continue playing table tennis with the senate over magu's confirmation?

Comments please!

So Ag. EFCC Chairman,Ibrahim Magu Lives In A Rented Apartment That Belongs To Dora Akunyili

Video: How Ike Ekweremadu ordered Custom Boss Out of the Red Chambers

Video: Hear Bukola Saraki's Stand On Ibrahim Magu's Confirmation

Video: Dino Melaye Rubbishes Ag.EFCC Chairman,Ibrahim Magu

Femi Fani-Kayode Cries Out I Saw This Coming + I Will Never Go Back To The APC

Bill Gates Harvard Commencement Address 2007

WELCOME TO SILENT REPORTERS : ANNIE IDIBIA CAUGHT @ BOLD & BEAUTIFUL,ABUJA

WELCOME TO SILENT REPORTERS : ANNIE IDIBIA CAUGHT @ BOLD & BEAUTIFUL,ABUJA: That 2face Idibia's wife was caught @ Bold & Beautiful Salon,Israel Plaza,Wuse2,Abuja making her hair is for real,it is autthentic...

ANNIE IDIBIA CAUGHT @ BOLD & BEAUTIFUL,ABUJA

That 2face Idibia's wife was caught @ Bold & Beautiful Salon,Israel Plaza,Wuse2,Abuja making her hair is for real,it is autthentic. SR can authoritatively inform you that the top salon & spa,Bold & Beautiful is the haven for top celebrities and their wives.