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FAQs

General
Who is FCS Financial?

FCS Financial is dedicated to supporting agriculture and rural communities. We serve nearly 15,000 qualified customer-owners in Missouri. We provide loans, leases and related services to farmers, ranchers, rural homeowners, aquatic producers, timber harvesters, agribusinesses, and agricultural and rural utility cooperatives. FCS Financial is a member of the Farm Credit System. Established in 1916 by Congress, the System provides more than one third of the credit needed by those who live and work in rural America. With more than 100 years of agricultural lending experience, the Farm Credit System is the largest single provider of agricultural credit in the United States.

How is FCS Financial different from other lenders?

For 100 years FCS Financial has been solely dedicated to helping farmers, ranchers and rural communities. We understand the cyclical nature of agriculture, and our customers know they can depend on FCS Financial’s expertise and commitment in good times and bad.

Our cooperative structure is important to customers because it means they have a say in how FCS Financial does business. Our customer-owners elect the board of directors to represent them and ensure the safety of their cooperative. A portion of the earnings retained by FCS Financial are often returned in the form of patronage to customer-owners.

The Farm Credit System’s size, structure and performance have earned it the worldwide support of investors who continue to finance U.S. agriculture and rural America by purchasing Systemwide Debt Securities.

Where can I find the candidate questionnaire for the Board of Directors or Nominating Committee?

Become a member of the Board of Directors or Nominating Committee by completing the Candidate Questionnaire.

How is FCS Financial helping young and beginning farmers?

For generations we’ve been providing financing to farmers and ranchers. Many of our employees come from farm families. As a result, we are dedicated to helping young, beginning and small producers.

Our Connect program is a comprehensive program, designed to help young producers get started on the right foot and continue to grow and succeed.

Does FCS Financial offer services other than loans to farmers and ranchers?

We believe – and more importantly, our customers believe – that insurance and our other related services are important realities in rural and agricultural life. FCS Financial has helped farmers keep going in the face of personal and natural disasters through our insurance programs.

We are proud to offer our customers a diverse range of products and services to help ensure the health and well-being of Missouri agriculture.

Why should farmers rely on FCS Financial?
  1. FCS Financial is customer-owned. We are focused on and responsive to the needs of those we serve.
  2. We are reliable. We’re there when our customers need us.
  3. We are competitive. Farmers have a choice in meeting their financial needs.
  4. We are knowledgeable. Producers and rural businesses can depend on us to understand their operation and to provide expert services tailored to meet their particular needs.
  5. We are passionate. FCS Financial people are dedicated and care deeply about improving the quality of life in rural Missouri and on the farm. That’s why we exist and it’s why FCS Financial employees come to work every day.
Who is eligible for FCS Financial financing?

We provide a full range of products and services for farmers, ag-related businesses and those people who simply want to live in rural areas. Our service area includes 102 Missouri counties. See eligibility guidelines for specific loans and services.

I live outside of Missouri but am looking for property in Missouri. Can FCS Financial help me?

Yes. FCS Financial serves Missouri residents as well as those who want to purchase Missouri property. Make sure the Missouri property you wish to purchase is located in one of our 102 eligible counties.

How do I find an office in my area?

Visit our Locations map to find directions and contact information to the nearest FCS Financial office.

Can I register for e-mail alerts?

Of course! Register to receive our e-newsletter to stay on top of events and information that affect you. Subscribe here.

I want to purchase property for hunting. Can FCS Financial help me?

Yes, our recreational property loans are developed for this exact situation. Contact an FCS Financial loan officer to discuss terms and details.

Can I apply for a loan online?

All loans (real estate, equipment, etc.) should begin with a quick rate quote. After completing the quick rate quote, a member of our team will be in contact with you regarding your loan needs.

Can I make my payment online?

Yes. Enroll to access your account online and you will be able to make payments as well as transfer funds from your FCS Financial operating loan.

How do I submit a request for an error resolution?

Please send us a written request that sets out your name, information that allows us to identify your mortgage loan account (for example, loan number), and the alleged error. The written request can be sent by email message to – FCSF-HydePark@myfcsfinancial.com – or by regular mail to FCS Financial, Loan Document Services, 751 West Stadium, Suite D, Jefferson City, MO 65109.

We will contact you to let you know that we have received your request. After we complete our review of your request and information on your mortgage loan, we will send you a follow-up communication.

How do I make a Request for Information?

Please send us a written request that sets out your name, information that allows us to identify your mortgage loan account (for example, loan number), and the information related to your mortgage loan that you are requesting. The written request can be sent by email message to – FCSF-HydePark@myfcsfinancial.com – or by regular mail to FCS Financial, Loan Document Services, 751 West Stadium, Suite D, Jefferson City, MO 65109.

We will contact you to let you know that we have received your request. After we complete our review of your request and information on your mortgage loan, we will send you a follow-up communication.

Patronage
What is the FCS Financial Patronage Program?

The patronage program is a feature of FCS Financial’s status as a cooperative. We share our profits with our customer-owners in the form of patronage. The board of directors votes each year based on the cooperative’s earnings whether to make a patronage declaration. Since the program was implemented in 2006, we have returned nearly $147.5 million to our customer-owners.

Who is eligible for the 2019 patronage program?

Typically, all customer-owner loans that were capitalized in 2019 by stock or participation certificates are eligible for patronage, except in the following circumstances:

  • Loan is in non-accrual status and past due at the end of the year;
  • Loan has been partially or fully charged off; and/or
  • Loan has a dollar or less of average daily balance.

For details on how the 2019 Patronage Program applies to large loan accounts, contact your FCS Financial loan professional.

How much will FCS Financial disburse in patronage this year?

In 2019, we disbursed more than $27.5 million. Since 2006, we have disbursed nearly $147.5 million.

Do insurance-only customer-owners qualify for patronage?

No. customer-owners who only have crop insurance relationships with us do not qualify for patronage. Insurance law prevents us from distributing insurance income directly to the customer-owner who generates that income.

Do lease customer-owners qualify for patronage?

Leases originated in participation with Farm Credit Leasing do not qualify for the patronage program.

How much will my patronage check be?

Patronage payments are based on the amount of net interest margin generated on an eligible customer-owner’s financing during the calendar year for which the patronage is calculated. So while each eligible customer-owner’s payment will be different, those who have more loan volume outstanding for the full calendar year with us will tend to benefit more from the patronage program. However, all eligible customer-owners will receive a minimum amount of $20.

Does the patronage program pay out capital that has been earned over a number of years from long-time customer-owners?

No. The tax code governing patronage programs requires that current year earnings be distributed to the customer-owners who generated the earnings in that year. Capital that has been accumulated from prior years’ earnings cannot be distributed through a tax qualified patronage program.

When will the 2019 patronage checks be distributed?

The 2018 cash patronage checks will be available at the FCS Financial office that services your loan beginning March 24, 2020. Your branch office will host a member appreciation day on March 24, 2020, providing you an opportunity to visit with staff and pick up your patronage check. However, you do not have to attend the member appreciation event to receive your check. Any checks that are not picked up will be mailed by April 6, 2020.

Who will be the payee on the patronage check?

The patronage check will be made payable only to the primary customer-owner as reflected in the association’s records.

Is the cash patronage payment taxable?

Yes. The cash patronage payment is taxable and eligible customer-owners should generally include the cash patronage payment in their 2020 taxable income. We encourage you to consult with your tax advisor about your specific situation. Non-corporate customer-owners will receive an IRS 1099-PAT form early in 2021 for the cash patronage paid in 2020. IRS regulations do not require distribution of 1099-PAT for corporations.

Why is FCS Financial paying patronage especially considering the current economic environment?

We pay patronage because we are a cooperative that shares its profits with its members. When you finance through us, you become a member of our cooperative and may be eligible to receive the benefit of patronage.

The economic environment was considered by the board when they made the decision to pay patronage. At the end of each year, the board carefully reviews our financial situation and the business plan projections before deciding to pay patronage. Based on the level of net earnings generated in 2019 and our financial strength, the board determined we could pay patronage for 2019.

Will FCS Financial pay patronage next year from the association's 2020 net earnings?

Our focus is to proactively manage the business for the positive outcome of our customer-owners and the organization. Whether that outcome is to pay patronage or to retain those earnings in capital will be a board decision made at the end of 2020 after our financial results for the year are known. Future distributions will continue to balance our growth, earnings and other business conditions. For this reason, we cannot guarantee patronage payments for any given year.

It is apparent that the pace of economic issues surfacing in today’s environment is unparalleled. These issues will certainly be considered and factored into the board’s decision at the end of 2020.

Why doesn't FCS Financial lower interest rates and eliminate the patronage program?

Our board and management look at the financial environment and offer competitive rates. Then if we have strong results, a portion of our earnings may be shared with our customer-owners. The patronage program allows the board to determine the amount of cash patronage when the financial results for the year are known.

Additionally, offering below-market rates would be a risk for us. By law, we cannot offer interest rates that are below competitive market rates. Our financial results are not certain at the beginning of the year, and offering below-market rates could have an adverse effect by potentially lowering our ratings from our regulator and district funding bank, which could possibly lead to higher funding costs for our borrowers.

Why doesn't FCS Financial distribute all of its earnings in cash?

Retained earnings not distributed for cash patronage help us build the necessary capital to fund future growth and the development of new products and services our customer-owners need to succeed in the future. A strong capital position allows us to continue offering competitive rates and strengthens our ability to withstand the economic cycles in agriculture.

How does the patronage program benefit FCS Financial?

The cash patronage program benefits us by reinforcing our cooperative status, maintaining customer-owner relationships, and differentiating us from other competitors in the marketplace.

Will FCS Financial pay cash patronage every year?

We cannot guarantee a patronage payment every year. If a patronage distribution is declared in future years, the amount and specifics of the program will be determined at the end of each year based on a variety of business and economic factors. Future distributions will continue to balance our growth, earnings and other business conditions. It is the board’s intent to run the business soundly for the benefit of all members and rural America.

Mobile App
What security features are in place to protect my account information on my mobile device?

FCS Financial takes the security of your financial information very seriously. Nothing will be stored on your device including pictures taken to make remote payments. We also use fraud analyst software. However, we urge you to be cautious while submitting payments. Follow these guidelines to help ensure the safety of your payment items and to protect your account.

  • Always remember to treat your mobile device with the same care as you do your personal computer.
  • Avoid storing sensitive information like passwords and Social Security numbers on your mobile device.
  • Password protect your mobile device and lock it when you’re not using it.
  • Be aware of your surroundings. Don’t type any sensitive information if others around you can see.
  • Protect your phone from viruses and malware just like you do for your computer by installing mobile security software.
  • Download the updates for your phone and mobile apps.
  • Use discretion when downloading apps.
  • Monitor your accounts regularly and report suspicious activity to your association immediately.
  • Always sign off completely when you finish using the app rather than just closing your browser.
Can I update my password on the mobile device?

No. The password reset must be managed through the website. No functionality is built into the mobile app for password management.

What requirements are necessary before I can use the Mobile Banking app?

You will need:

  • To be enrolled in FCS Financial’s Online Banking. Enroll through My Access Plus at myfcsfinancial.com;
  • To log in one time, via the website, to activate access through Online Banking inside My Access Plus;
  • To add your current cell phone number to your account information data (either through enrollment, or Personal Profile page in Online Banking via the web);
  • A smartphone or iPad tablet that can download the app or access the web.
Are there special measures to take when photographing my check for remote payment?

When taking a picture of the item, place it on a dark surface and follow the guidelines provided in the app. Make sure there is enough light and that your hand remains steady to ensure a clear picture. Items must be endorsed on the back and the app looks for black or blue ink. An endorsement stamp may not be recognized and so it may be necessary for you to write “For Payment Only” in ink to complete the process. The item must be in U.S. funds drawn from a valid U.S. account having a nine digit routing number.

When will my payment be posted to my account?

Payments made prior to 4 p.m. Central Time on a business day will be posted to the account same day. Any payments made after that time will be posted on the next business day.

Where can I download the Mobile Banking app?
Are there special concerns I need to be aware of regarding the use of mobile apps that use remote payment capabilities to capture an image of a check?

Yes, in general, you are responsible for maintaining control over the proper use of the service, as well as the original paper items used. You need to retain the original paper items, for a minimum retention period of five calendar days, but no longer than 14 calendar days, after they have been transmitted. This provides sufficient time if there is an issue with the image quality or if the original item is required for any other reason. You are required to securely destroy the original paper items, after the retention period to ensure they are not accidentally submitted again. Do not leave submitted items lying around, and do not put them in trash or recycle containers unless they have been shredded first.

My Access Plus
What is My Access Plus?

My Access Plus is a secure site used to share confidential information with our customers. Through My Access Plus, you can access online banking, share documents with your loan officer, set up alerts specific to your loans, and more.

Is the system secure?

Yes. We use advanced encryption technology to ensure your information stays safe and secure. Only you and those you designate have access to your accounts. We strongly suggest you do not share your account access information with anyone. Internally, we implement strict policies and procedures to safeguard your personal information and maintain your confidentiality.

What if I want to access my loan accounts from a different computer or location like a library or hotel?

If you use a different or public computer, you will be prompted to answer additional challenge questions. Be sure to log out and close the browser window after completing your session.

I do not remember my username and/or password. What should I do?

Click on the Forgot Username or Forgot Password link for assistance.

I have locked myself out of My Access Plus. What should I do?

Call Customer Support at 866-450-2308 during regular business hours (Monday-Thursday, 8am-6pm, and Friday 8am-5pm) or email us at FCSFOLB@myfcsfinancial.com.

What is the "I would like to..." box on the right side of the screen?

The “I would like to…” menu is displayed on most screens and offers quick access to the most commonly used activities in My Access Plus. Use these links to complete various tasks and actions.

Where and how do I change my password or email address?

After you log in to My Access Plus, choose the Profile tab to change your password or email address.

What else can I do under the Profile tab?

The Profile tab allows you to:

  • Change your challenge questions.
  • Update your email address.
  • Change your personal identification image and phrase.
  • Change your password.
  • Discover services exclusive to FCS Financial customers. Just click on the tab and enter your FCS Financial loan or crop insurance information. You will want to have a current bill or crop insurance policy on hand.
How do I access Online Account Access?

To use online banking, you will enroll or login to My Access Plus from the FCS Financial home page.

  1. To enroll go to the FCS Financial home page, click the My Access Plus Secure Login, then click Enroll Now! and follow the steps.
  2. If you are already enrolled in My Access Plus, from the home page click My Access Plus Secure Login and enter your username to begin. Your username and password are the same but you will be prompted to answer new security questions. 
What is the Personal Identification image and phrase?

Personal identification is an added layer of security to ensure that you are logging into My Access Plus and not a site that is trying to access your username and password. The image and phrase will display on the password page each time you log in to My Access Plus. If you do not see the image you selected or a different image appears, check the URL or web address you are using to access the portal. Look for a lock near the URL or to see if the URL begins with https. Then contact Customer Support at 866-540-2308 or  FCSFOLB@myfcsfinancial.com.

What is the Preferences tab?

Preferences let you choose how you want to use various features inside My Access Plus. Here you will find the Alerts page so you can set up email or text alerts to let you know of an upcoming loan maturity date, when your operating loan available funds reach a certain amount or if you’ve received a secure document from FCS Financial. You can also add additional email and mobile numbers.

What is the Secure Document Exchange tab?

The Secure Document Exchange tab allows the exchange of confidential files such as tax information and balance sheets between you and FCS Financial. Alerts are automatically set when you enroll in My Access Plus as a customer. By default, the primary email address provided will receive the alert when new documents are exchanged.

What is the Forms tab?

Under Forms you will find loan application, balance sheet and earnings statement forms. They are available in Microsoft Excel or Adobe PDF formats.

What is the Loan Application tab?

Under the Loan Application tab, you can apply for a loan with FCS Financial. After providing the details of your request, FCS Financial will review and contact you.

What is the Statements tab?

Under the Statements tab, you will find your FCS Financial annual statements, current year’s monthly statements and most recent bills. You can then select the statement or bill you would like to review. You will also find your 1098/1099 tax documents.

What is the Online Banking?

Online banking is a free service from FCS Financial that allows you to access your account information and make various transactions. It is available 24 hours a day, 7 days a week.

What features does Online Account Access offer?

You can:

  • Retrieve copies of draft images online.
  • Make loan payments and deposits to funds held.
  • Transfer money to or from other financial institutions.
How do I check my account balance?

After entering the Online Banking tab from My Access Plus, an account summary is shown on the home page. This summary shows all accounts including  balance, amount due, and due date for each account.

How do I transfer money in or out of an account?

After clicking on the Online Banking tab in My Access Plus, you will find an “I would like to…” section on the right hand side of the Online Banking home page.

  • Select “Make a Payment” to move money into your FCS Financial account.
  • Select “Make a Disbursement” to move money out of your FCS Financial account.

Please note that you will need to set up and authorize a bank account to transfer money to and from your FCS Financial account. To set up the bank account, you will need the bank routing and account numbers.

How current is my account information?

Online Banking offers you balance and transactions as of the previous business day. Transactions initiated in the system will be available for viewing and modification within the transaction summary area until the transaction is processed. You must complete all transactions by 5 p.m. Central Standard Time to have them register for the next business day. Draft images are not seen online in the draft summary until day two.

How do I add a bank account?

To initiate a Transfer to make a payment or disbursement in Online Banking, you must have an Operating Line, a Farm Cash Management (FCM) account or an external bank account. The initial external account setup utilizes micro deposits to validate ownership of the account. This will require an additional day to finish the setup.

  1. From the Online Banking summary page, select Transfers and External Accounts
  2. On the External Accounts screen, select Add External Account
  3. Fill in the Routing Number, Account Number, Account Nickname, and Account Type (checking or savings).
  4. Click SUBMIT
  5. Once you are back on the External Accounts screen, you will see the account you created with the VERIFY link on the right. Two small ACH’s will be deposited and withdrawn to the account you setup. The micro deposits are initiated on same day you create the account as long as you initiate before the 5 p.m. CST cut off time. If not today, it will be sent on the next business day. The deposits should be delivered one business day after they were sent.
  6. When the two amounts hit your external account, you will need to log back in to the FCS Financial Online Banking system, go to Transfers, External Accounts, and click the VERIFY link. You will then be prompted to enter the two amounts that were sent to your external account. These amounts do NOT have to be in any particular order.
  7. Once the amounts are verified, you will have access to this account on the Transfers screen to move money or make payments.

Note: The microdeposits do not affect your loan. They are processed through an FCS Financial account.

How do I make a payment?

To make a payment, you can use the Pay Now option under the Accounts tab or the Create/Edit Transfers under the Transfer tab. Pay Now is the fastest and easiest way to make a payment on multiple accounts, right now. If you would like to schedule a fixed payment on a specific day or on recurring basis, then the Create/Edit Transfers option is what you are looking for.

  1. To pay your FCS Financial account through Pay Now, click Accounts, then Pay Now tab at the top of the Home Page. All accounts with Payments Due are automatically selected. If you choose not to pay one or more of the accounts, unselect those accounts. You can add extra principal to this payment to be applied as a Special Principal payment. For loans with a pre-payment penalty product, fees may be charged to the payment.
  2. To use the Create/Edit Transfer, select the From account from which you would like to disburse from. This can be an external account, FCM account, or an operating line with funds available.
  3. Next, select the To account for the account you wish to have funds applied to. This can be any account(internal or external) as long as it is not the same loan in the From drop down.
  4. Enter the amount of money you wish to transfer. If an amount is shown in the Fixed Payment box, this is the current amount owed or in billing for the account selected in the To Account. You can select to change the payment amount or use the Principal Only or Interest Only options. Principal and Interest only will only be available when no amounts are in billing. Principal Only amounts are applied as a Special Principal Payment.
  5. Select the Scheduling Option.
  • Current day is only available for transfers that involve an FCS Financial loan in the From account and the To account. 7:30 CST is the cut off for current day transfers.
  • One time is available for internal and external accounts and can be used with tomorrows date or a different date in the future with the payment types selected above.
  • Recurring is available for internal or external accounts and is used to schedule a transfer date in the future with a recurring frequency.
  1. Add a description to the transfer for reference purposes only.
  2. Pending transactions will appear on the Transfer Activity tab under Transfers. Pending transactions can be deleted prior to cut off time for that transaction type. Pay Now transactions cannot be cancelled and will show as pending on the Account Activity tab under Accounts.
How do I view account and transaction details?

The Accounts Summary Screen displays a summary of all your accounts - Loans and Farm Cash Management investment accounts. When a payment is past due, it is displayed in bold red type.

  1. To view an account, click on the Account Nickname or select Accounts then Account Activity. A view of your loan transactions will be visible and specific. Account Details will be shown in the right hand Info bubble.
  2. You can customize the transactions visible by selecting More Search Options. There are multiple filter options available to be used to view specific transactions.
  3. You can also print the Account Transactions by selecting More Search Options and then selecting the Printer Friendly icon in the lower middle of the screen. You can download the Account Transactions by selecting the Spreadsheet link below the SEARCH button.
  4. Additional instructions and features can be found in the Help(?) section at the top right of the screen.
How do I view draft images?

After clicking on the Online Banking tab in My Access Plus, go to the Account Info/Payment tab and choose Account Summary. Choose an account row and click on the Account Activity button located under the summary table. Draft numbers are underlined in blue font. Click on the draft number to open a new window displaying the front and back of the paid draft image.

How do I see more detail about my account or transactions?

Each screen is designed to allow you to go from a summary page to detailed information or detail entry pages.

Where can I find my scheduled payments?

After clicking on the Online Banking tab in My Access Plus, select the Account Info/Payment tab on the main navigation bar, then select Transfer/Payment from the sub-menu. The Transfer Summary screen will show recent transactions (pending) first. Transactions being processed today (or if it is a non-business day, the next business day) are listed at the bottom of the screen.

What is Pay Now?

Pay Now is a quick, simple way to view pending bills and make payments with just a few clicks. After clicking on the Online Banking tab in My Access Plus, select the Pay Now tab in the main navigation bar. A new window will open. Follow the instructions to make payments.

What is the Ag Resources tab?

Under Ag Resources are links to some popular agriculture and industry websites. Please note that when you click on these links, you will be leaving the FCS Financial My Access Plus site.

How do I export transactions for Quicken or QuickBooks?

You can export transaction information for use in Quicken or QuickBooks.

  1. To select transactions for export, click Accounts, then WebConnect
  2. Select the account you wish to export transactions from
  3. Enter the starting date and ending date for the transactions you would like to export
  4. Select Download for Quicken to create a file download to be used in Quicken

Select Download for QuickBooks to create a file download to be used in QuickBooks

How can I get help with My Access Plus?

Support is available during regular business hours (Monday – Thursday 8am-6pm, and Friday 8am-5pm) by calling 866-450-2308 or email us at FCSFOLB@myfcsfinancial.com.

My Access Plus Upgrade October 13, 2020
When will online and mobile banking be upgraded?

Our online and mobile banking platform will be updated 10/13/2020.

Will the platform upgrade affect the current system?

Yes, the system will be in a Read Only state for about 40-48 hours while the platform undergoes upgrades. During that time, you may contact your local office for your ACH transaction needs. This will occur October 11 – 13. We expect the new platform to be ready the morning of October 13.

Why is the online and mobile banking platform changing?

We are dedicated to providing you with a best-in-class digital experience. The upgraded online banking and mobile banking platform will give you a better user experience, helping you manage your finances more effectively in today's ever-changing world.

Will my username and password change?

Your User ID and password will remain the same but you will need to reset your security questions.

What will change in the new platform?

Our core digital services will remain the same, but you will see a change in the look and feel of the online and mobile experience. In addition to the overall look and feel changing, our enhanced user experience will include the following additional features:

  • Improved User Interface
  • Seamless interaction between mobile and online experiences
  • Enhanced security features
  • Personal Financial Management tools
Will I need to do anything before or after the change?

Prior to the change, verify any ACH templates or account information along with your personal contact information/phone numbers. If you need to make changes to your phone number, contact your local office or log into online banking with the updated information. After the upgrade is complete, please ensure your contact information is complete and correct by going to your profile page and providing your current email, telephone and home address.

Will I need to download a new mobile app?

Yes. The upgrades to the app will require you to uninstall the old app and re-install the new mobile app.

Will my scheduled bill payments still go through?

Most of your scheduled bill payments and automatic transfers will be unaffected by the upgrade. Scheduled transactions that were created in the current online banking system will be converted. The exception is for ACH transactions that are recurring as billed. They will continue to go through but will only appear in your transaction history after payment is posted. It is always a good idea to verify payment schedules are intact prior to your next scheduled payment. If you want to stop or change your recurring as billed transactions, please contact your local branch office. 

Will my automatic transfers still go through?

Yes, scheduled transfers will remain the same.

Which internet browsers are supported by the online banking system?

All major internet browsers are supported by our online banking system, including the following: Chrome, Firefox, Edge, Internet Explorer, and Safari. A PDF viewer will be needed to view statements, bills, and drafts.

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