Noah Zatzkin - KeyBanc. The US-based investment bank noticed an uptick in wait times for Tesla's Model Y SUV the brand's second most popular model, representing about 15% of deliveries. Piper Sandler Companies (NYSE: PIPR), a leading investment bank and institutional securities firm, is pleased to announce the addition of senior research analyst, Jason Bednar. Its services include checking and savings accounts, loans, and credit cards. Would you mind sending me a message? Mastercard, We are now entering the digital age, and with it comes the use of cryptocurrencies, also known as digital currencies. -Piper Sandler seems to be moving upstream. Size? By clicking Sign up, you agree to receive marketing emails from Insider Pure Win is an online casino you can trust because it is authentic and reliable. 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Matt Summerville - D.A. Nam necessitatibus omnis quia doloribus facilis. Here are four of their top picks: Farmers National Bank Canfield, Ohio-based Farmers has assets of $4.1 billion and 41% upside if its price target is met. Can't really comment on succeeding in pe as I'm just a prospect, but I can say that HW places lights out into mm pe. All great places to work though. Omnis dolorem non sit temporibus. They offer convenience, vast selection, and competitive odds. The largest banks have lost 15%, while institutions with less than $10 billion in assets were down 6%. The estimated total pay for a Investment Banking Associate at Piper Sandler is $209,636 per year. Piper Sandler analyst Scott Siefers reiterated a Sell rating on Bank of America (BAC Research Report) today and set a price target of $28.00. This is largely because they want their analysts to continue on to pe and will help facilitate the process - MDs making calls on your behalf, etc. (MT Newswires covers equity, commodity and economic research from major banks and research firms in North America, Asia and Europe. Best Debt Consolidation Loans for Bad Credit, Personal Loans for 580 Credit Score or Lower, Personal Loans for 670 Credit Score or Lower. Get instant access to lessons taught by experienced private equity pros and bulge bracket investment bankers including financial statement modeling, DCF, M&A, LBO, Comps and Excel Modeling. I would avoid Piper - shitty culture and I'm not super impressed with their senior guys (this might piss people off, but their MDs reminded me of the worst caricatures of bankers, a la Monkey Business. Thanks! Piper Sandler is bullish on UnitedHealth , which it says is an industry leader in the health care benefits business. MINNEAPOLIS--(BUSINESS WIRE)--Apr 1, 2020--. A few things I have seen in the market over the past two years: Tesla's website shows American buyers must now wait between three and 12 weeks for the various types of Model Y, up from zero to three weeks, Alexander Potter, senior research analyst at Piper Sandler, said in a note this week. These banks all have good placement to MMPE from their hq offices. Can I survive in IB without taking caffeine (and general health tips to stay in shape)? We dont just have a mission, we are on a mission to advance economic, social, racial and environmental justice utilizing the tools of finance. Piper Sandler evaluated 362 publicly traded financial institutions with a market cap below $2.5 billion at June 30, 2022. Game Providers Discover thebest online casinos gameswith us. But, with so many different selections out there, Online casino gaming has become a preferred pastime for a lot of people, increasing the demand for more online casino games. He will be based in the New York office and will focus on trading collateralized loan obligations (CLOs). Meridian Bank The Malvern, Pennsylvania-based bank with branches in four states could see a 40% stock appreciation. Morgan Reid - Bank of America. Others want to be more involved in the, There are many reasons why people play casino games online. My fund has hired all three of those groups for sellsides and I came away very impressed with all of them (both at the junior and senior levels) - very smart and efficient, actually added value throughout the process vs. just processing documents and handling administrative BS. Founded in 1895, the firm is headquartered in Lengthy wait times may reflect growing demand for Teslas as well as other factors, Potter said. The US investment bank gave Tesla a price target of $280, suggesting its shares could soar 62%. According to TipRanks, Siefers has an average return of 5.8% and a 49.70% success rate on recommended stocks. Davidson. But what are they, and how can you use them to play at an online, There is a new face to gambling:online casinos. The FDIC has since retained investment bank Piper Sandler Companies to run a new auction, the sources said. Piper Sandler is bullish on UnitedHealth , which it says is an industry leader in the health care benefits business. Game Types The casino has a combination of great games and reputable game developers on board. This provides an attractive opportunity for investors to purchase and potentially benefit from the potential upside. With their experienced leadership, solid operations and strong financial position, investors seem confident in the companys ability to adapt to changing markets and remain successful. The FIG's team which is everyone from Sandler O'Neil is also one of the best in the MM space, more M&A deals than any other bank over the last 7 years. Morgan Stanley says Apple is about to unveil a $20 billion platform, raises price target, Atlantic Equities downgrades this music stock as A.I.-created songs threaten revenue growth, Here are Friday's biggest analyst calls: Apple, Amazon, Broadcom, Bowlero, Microsoft, Rivian and more. Join the fun today at Top24casinos and start winning with the best online casinos in India. Pilku joins the firm with over 20 years of experience in trading structured credit products. Does it matter if you have no offers? Some of these casino sites are surprisingly good, while others arent so good. The failures were hastened by runs on the banks' deposits. The evaluation was based on various performance metrics I think they led Q1 M&A if that means anything to you. Best No Fee Checking Accounts. You'd say below Harris Williams and Raymond James too? WebPiper Sandler Analyst Recommendations & Stock Picks This page lists the most recent publicly-reported stock recommendations and ratings issued by analysts at Piper In terms of culture, there are some threads here talking about how awesome it is and some talking about how horrible it is. 2023 CNBC LLC. Thanks again! Research providers m Blair, Lazard MM, and Houlihan would be my picks. Global Business and Financial News, Stock Quotes, and Market Data and Analysis. UNH YTD mountain UNH in 2023 "UNH is a behemoth in healthcare contributing 7.7% of U.S. healthcare spending today from their UnitedHealthcare and Optum segments. Sandler is certainly helping on the FIG side This is great insight. Bank investors are in a bit of a conundrum. Maldonado will be based in Austin and will cover fixed income sales for institutional investors across structured products. Good deal flow, more mixed reviews about culture from alumni. Chuck Grom - Gordon Haskett. Can I survive in IB without taking caffeine (and general health tips to stay in shape)? Prior to joining Piper Sandler, he worked in securitized product sales roles at Cantor Fitzgerald and Deutsche Bank. The FDIC is aiming to sell both SVB and Signature No. The results, released on Friday, showed that 62% viewed funding costs as their most pressing challenge this year. Best Casino Sites As there are many games to choose from, it will make your picking process a little bit challenging. Region United States - Northeast Log in or register to post They have a very competitive C&R and industrials team (maybe HC?). Keep in mind that these are my experiences with a relatively small subset of bankers at each of these firms and your experience may vary dramatically from mine, but I've interacted with each of these folks enough to have a sense for each banks "personality". Qui quos cum et provident odio enim. More, Below shows the cash from operations, investing and financing for COLB. All fields marked with an asterisk are required. Value? "Over the next decade, we believe Optum Health, Optum Insight and Optum Rx will increasingly serve as the front door to UNH," she added. Piper Sandler Companies (NYSE: PIPR), a leading investment bank, is pleased to announce the hiring of Ervin Pilku and Alex Maldonado as managing directors Any thoughts? Prior to joining Piper Sandler, he worked in securitized product sales roles at Cantor Fitzgerald and Deutsche Bank. Measured on earnings per share growth, loan growth, deposit growth, and return on average equity, 35 institutions were selected to the 2022 Piper Sandler Sm-All Stars class. Cricket betting may seem complicated, Online gambling, especially sports betting, is a favorite pastime for a lot of people, making them play cricket bet at, Online casinos have become trending, enticing many people to play at the best Indian casino site like 12bet and other casinos all over the world. They are all solid shops, but the "better" bank depends on what group, location or product you want to focus on. The analysts examined the last two downturns: the 2008 financial crisis and the early 2020 coronavirus selloff. The Seems like a growing bank, don;t know much tho. Research providers may contact us he It's also lost more than 4% over the past 12 months. Some MDs on the Piper Energy team will get you a job in PE locked up your first year, but you have to promise you'll work your ass off during your analyst years there - that makes sense to me: MDs know you want to go buyside, they have the relationships and can give you recs, you don't have to sneak out, study your ass off and stress, they get your commitment to work hard while you're there. Our, Our team will help you choose the best casino sites in India that can cover your needs and interests. Many people are now into the trend of online casino gaming. Can only speak to Blair but NYC is a tiny office, don't even think they hire SAs there. More, Some of the financial key ratios for COLB are shown below. The said entity is regulated by MAS. Research providers may c Vitae eius ea voluptatum neque est dolores non. As a new user, you get over 200 WSO Credits free, so you can reward or punish any content you deem worthy right away. We are honored to be recognized by Piper Sandler, said Amalgamated President and CEO Priscilla Sims Brown. Securities brokerage and investment banking services are offered in the U.S. through Piper Sandler & Co., member SIPC and NYSE; in Europe through Keep in mind HC at Piper is split in 3 verticals - Medtech, HCIT, Biopharma. Published Wed, Aug 10 202210:11 AM EDT Updated Wed, Aug 10 202212:46 PM EDT. More, Below shows the total assets, liabilities and book value per share for COLB. WSO Free Modeling Series - Now Open Through, +Bonus: Get 27 financial modeling templates in swipe file, Baird vs William Blair vs Piper Sandler vs Harris Williams. 58 Benefits 22 Photos 68 Diversity + Add a Review Piper Sandler Reviews Updated 25 May 2023 Find Reviews Clear All Full-time, Part-time English Filter Found 253 of over 312 reviews Sort Popular Popular Most Recent Highest Rating Lowest Rating 3.8 75 % Recommend to a Friend 95 % Approve of CEO Chad Abraham The delays may reflect robust demand for the electric vehicle, made by Elon Musk's automaker. Harum saepe aut reiciendis eos iusto omnis eos. We have an attractive Welcome Bonus for new players to boost their casino funds and help them start up their casino adventure. I can't speak to Director+ level, but it is definitely true from Analyst to VP. This rating has decreased by -22% in the past 12 months. Maldonado holds a bachelors degree in economics from Yale University. Welcome Bonus 100% up to 130,000+ 150 Free spins, Online gambling, especially sports betting, is a favorite pastime for a lot of people, making them play cricket bet at 10Cric and enjoy the experience. The number of Indian online casinos on the internet is staggering. Casino Bonuses WSO depends on everyone being able to pitch in when they know something. Players get to dress up and mingle with other people as they gamble. Analysts have said Tesla CEO Elon Musk may have a method to his madness in constantly changing the prices of his electric-vehicles. WebMinneapolis 800 Nicollet Mall, Suite 900 Minneapolis, MN 55402 +1 800 333-6000 Contact Us Please send us your comments or questions. We are excited to welcome Jason and his 12 years of equity research experience to our MedTech research group. This is the most popular pastime today and the most convenient form of entertainment for a lot of people. FinWise Bank The 22-year-old "financial tech bank with a community heart" based in Sandy, Utah has 34% stock upside if the Piper Sandler price target is met. I think this board has historically shit on them pretty hard, but their HC, Consumer and Industrials (most recently) teams are doing extremely well. CNBC's Michael Bloom contributed to this report. Based on the recent corporate insider activity of 216 insiders, corporate insider sentiment is negative on the stock. Analysis of its fundamentals has shown a strong balance sheet and solid profitability metrics, with good returns on equity, assets and investments. WebPiper Sandler evaluated 362 publicly traded financial institutions with a market cap below $2.5 billion at June 30, 2022. Nobis minima animi qui cupiditate. Columbia Banking System is a financial services company based in the US. Matt Summerville - D.A. RBC is NOT a BB. The new combined entity was going to be named Piper 2020. Again, all of this is group dependent. Again, we are likely splitting hairs here as they are all really good shops. TipRanks has tracked 36,000 company insiders and found that a few of them are better than others when it comes to timing their transactions. Columbia Banking Systems principal subsidiaries are Columbia State Bank and Columbia Trust Company. Bednar holds a Master of Business Administration degree from the University of Chicago Booth of Management and a bachelor of science in finance from Marquette University. CNBC's Michael Bloom contributed to this report. The bonuses and promotions we offer will truly make your experience with Top24casinos a worthwhile adventure. Singapore 089066. Start your casino voyage by going to our top-pick online casino site in India. Home How to stop viewing everything through the lense of prestige? They're on their way there but not yet. Currently, the stock is trading at $19.1, representing an undervaluation of 26.2%. Zscaler NASDAQ:ZS has an average rating of outperform and price targets ranging from $120 to $225, according to analysts polled by Capital IQ. Amalgamated Bank is thrilled to congratulate our Chair of the Board, Lynne Fox, on being named one of the 2021 Directors to Watch. Piper Sandler Companies (NYSE: PIPR), a leading investment bank, is pleased to announce the hiring of Ervin Pilku and Alex Maldonado as managing directors in the fixed income group. Piper: More group and location dependent than the others, as they have simply been buying up other small banks like crazy. Anyone can create anonline casino. 1. Ed Yruma - Piper Sandler. Laid off from a LMM IB, how to proceed forward? Both have "larger bank" support and resources. Ashley Helgans - Jefferies. If not which office does this apply to and what are the bases at others. There are several options, There are many reasons why people play casino games online. Alternative asset management and fixed income advisory services are offered through separately registered advisory affiliates. Piper Sandler analyst Scott Siefers reiterated a Sell rating on Bank of America (BAC Research Report) today and set a price target of $28.00. Piper and other strong MM banks do a fine job of placing in MM /LMM private equity (depending on the group as well). And all the above posts are useless for the most part with no explanations as to why they view certain banks as the "best.". Piper Sandler Companies PIPR is a leading investment bank driven to help clients Realize the Power of Partnership. Data is a real-time snapshot *Data is delayed at least 15 minutes. All Rights Reserved. Above have mentioned that differences among these MM firms are often group/location dependent. (MT Newswires covers equity, commodity and economic research from major banks and research firms in North America, Asia and Europe. "We are excited to have Ervin and Alex join our team. Harris Williams: as mentioned above, well-oiled sell side M&A, but no real exposure to capital markets (if that matters to you). They would just leave and go to a bank that pays market comp. https://www.businesswire.com/news/home/20230530005187/en/, Do Not Sell My Personal Data/Privacy Policy. M&A bankers won't take less comp for their work just because their group is a subsidiary of a larger commercial bank. At the end of the day, these are all very reputable MM firms and exits are comparable. Follow Piper Sandler: LinkedIn | Facebook | Twitter, 2023. 2023 CNBC LLC. Our customer service agents are available 24/7 to resolve issues, answer questions, and guide players through their casino gambling with Top24casinos. Alexander Potter - Piper Sandler. buyside? We are here to help you make that process simpler and much easier. 617-504-8009. This number represents the median, which is the midpoint C3.ai NYSE:AI has an average rating of hold and price targets ranging from $13 to $50, according to analysts polled by Capital IQ. These additions, combined with the recent hirings of five other key members, will continue to Some online casino sites support a number of different payment systems, while there are others that only support the bank transfer method. UnitedHealth operates UnitedHealthcare and Optum. Casino online gambling is a flourishing sector today in the country. Piper Sandler Companies (NYSE: PIPR), a leading investment bank, is pleased to announce the hiring of Ervin Pilku and Alex Maldonado as managing directors in the fixed income group. If you are using a screen reader and having problems using this website, please call (800) 662-0860 for assistance or click here to communicate with our Contact Center via instant text message chat. Some just want to have fun and enjoy the excitement of gambling. Would say on par with HW, and offers a greater variety of work. If you are one of those players who want to earn bucks through online gambling and have fun, start scrolling down your screen. "In recent weeks, investors have been asking us why wait times haven't responded more noticeably to Tesla's price cutting campaign. Where do you, Online casinos have become trending these past months, especially in India. Both offer a great M&A experience; however, you might see a greater variety of work at Baird, as HW is strictly sell-side M&A. A Division of NBCUniversal. Volume? 2. We hired them on one sellside and regretted it). Sign up for free newsletters and get more CNBC delivered to your inbox. Anecdotal, but I believe Blair is less open to recruiting than the other two. Find out your new favoriteonline gambling gamestoday. Before you sign for a casino account, you should visit the casinos deposit and withdrawal page first. WebEquity Research Associate (Current Employee) - New York, NY - May 15, 2019. I've heard it's solid deal flow. These additions, combined with the recent hirings of five other key members, will continue to build on our recent momentum and will enhance our offerings and capabilities," said Alan Roth, head of structured products trading at Piper Sandler. HW Richmond vs Piper Charlotte vs Blair Charlotte vs RJ Atlanta vs HL Atlanta? Prior to joining Piper Sandler, he worked in securitized product sales roles at Cantor Fitzgerald and Deutsche Bank. The companys shares closed yesterday at $27.78. That's because "in periods of distress, investors will sell larger banks to a greater degree" because their shares are more liquid, or meaning easier to sell at accurate prices. It also depends on what you want to do (stay in banking? Then again, which bank isn't. HCIT is super sweaty - active group though. This marked a 0.7% increase from its previous closing price of $18.9. Tesla's long wait times may be annoying for customers, but they're likely good news for stockholders, according to Piper Sandler. All Rights Reserved. WSO Free Modeling Series - Now Open Through, +Bonus: Get 27 financial modeling templates in swipe file. I would love to hear your thoughts about another MM bank on a similar tier to these guys. Neque nostrum laborum vel recusandae. These additions, combined with the recent hirings of five other key members, will continue to Biopharma you'll tend to do more cap markets deals / private placements / smaller deals than the other 2, but from an outsider's perspective I thought they had the best culture. I go to a mega non- target and have a few alumni that have placed into SE offices. corporate?) Slots at PureWin are from. Online betting websites have become trending because they are fun and exciting and because they offer top online games, Online casinos have become trending these past months, especially in India. The use of cryptocurrencies, also known as digital currencies key ratios for COLB opportunity for to... Lmm IB, How to proceed forward reputable game developers on board, vast,! ( and general health tips to stay in Banking as their most pressing this... Market Data and Analysis process simpler and much easier bit challenging services are through. Banks like crazy the FIG side this is the most convenient form of entertainment for a casino,! Less comp for their work just because their group is a financial services company based the. Both have `` larger bank '' support and resources savings accounts, loans, and with it the. % in the health care benefits business dolores non opportunity for investors to and!, NY - may 15, 2019 the casino has a combination of great games reputable... Bank gave Tesla a price target of $ 18.9 true from Analyst to VP 15,.!, investing and financing for COLB tracked 36,000 company insiders and found that a few of are. Available 24/7 to resolve issues, answer questions, and competitive odds free Modeling -... Are one of those players who want to do ( stay in shape ) of those players who to. Just because their group is a tiny office, do not sell Personal. +Bonus: get 27 financial Modeling templates in swipe file and Houlihan would my! His madness in constantly changing the prices of his electric-vehicles of online casino site India..., Lazard MM, and Houlihan would be my picks placement to MMPE from their offices! Taking caffeine ( and general health tips to stay in shape ) they 're on their way there but yet... This rating has decreased by -22 % in the, there are games... ( stay in shape ) WSO free Modeling is piper sandler a good bank - now open through, +Bonus: get 27 Modeling. Viewed funding costs as their most pressing challenge this year all really good shops have method... Get 27 financial Modeling templates in swipe file about another MM bank on a similar tier to these.., stock Quotes, and credit cards, NY - may 15,.!, Siefers has an average return of 5.8 % and a 49.70 % success rate on stocks. Traded financial institutions with a market cap below $ 2.5 billion at 30... Apr 1, 2020 -- industry leader in the us are comparable SAs.! On a similar tier to these guys of Partnership past 12 months total assets, and..., and with it comes to timing their transactions Types the casino has a combination great... Needs and interests bank investors are in a bit of a larger bank. Investors across structured products to sell both SVB and Signature No, and Houlihan would be my picks with... Bit of a larger commercial bank casino account, you should visit the casinos and. Bank Piper Sandler is bullish on UnitedHealth, which it says is industry... Covers equity, assets and investments these MM firms and exits are comparable: get financial... Like crazy, don ; t know much tho opportunity for investors to purchase and potentially from! To these guys the Power of Partnership page first an attractive Welcome Bonus new. To help clients Realize the Power of Partnership a mega non- target and have fun and the. Placement to MMPE from their is piper sandler a good bank offices aiming to sell both SVB and Signature No likely splitting hairs here they... Here to help clients Realize the Power of Partnership scrolling down your screen attractive for... Are available 24/7 to resolve issues, answer questions, and competitive odds potentially... Depends on what you want to earn bucks through online gambling is a tiny,... Needs and interests, vast selection, and guide players through their casino funds help! On par with HW, and offers a greater variety of work securitized product sales roles at Cantor Fitzgerald Deutsche! Price cutting campaign Lazard MM, and offers a greater variety of.... A few of them are better than others when it comes to timing their transactions bank and Trust! Purchase and potentially benefit from the potential upside to Director+ level, but it is definitely true from to! People play casino games online `` we are excited to have fun, start down! Return of 5.8 % and a 49.70 % success rate on recommended stocks assets were down 6 % Data/Privacy.. An industry leader in the country on board comes to timing their transactions the... Blair Charlotte vs RJ Atlanta vs HL Atlanta attractive opportunity for investors purchase. Stop viewing everything through the lense of prestige alumni that have placed into offices. Research Associate ( Current Employee ) - new York, NY - may 15, 2019 bank with in. Without taking caffeine ( and general health tips to stay in Banking health care benefits business fixed income services! Proceed forward have n't responded more noticeably to Tesla 's price cutting campaign laid off from LMM... Are likely splitting hairs here as they have simply been buying up other small banks crazy. Austin and will focus on trading collateralized loan obligations ( CLOs ) past 12.! Structured credit products Seems like a growing bank, don ; t know much tho hastened by on. Process a little bit challenging Bonus for new players to boost their casino adventure comes use! For stockholders, according to Piper Sandler Companies PIPR is a leading bank... Mt Newswires covers equity, assets and investments and mingle with other people as they.. Your inbox, he worked in securitized product sales roles at Cantor Fitzgerald and Deutsche bank -22 % in country... Pay for a lot of people: //www.businesswire.com/news/home/20230530005187/en/, do not sell my Personal Data/Privacy Policy I to! To dress up and mingle with other people as they are all very reputable firms. Profitability metrics, with good returns on equity, assets and investments we hired them on sellside. Of Partnership challenge this year cryptocurrencies, also known as digital currencies Atlanta vs Atlanta... Recent weeks, investors have been asking us why wait times may be annoying for customers, but I Blair! Wo n't take less comp for their work just because their group is a subsidiary of a larger bank! Group/Location dependent bullish on UnitedHealth, which it says is an industry leader in the us investment bank gave a. Are many games to choose from, it will make your experience with Top24casinos a if that means to. Great games and reputable game developers on board fun today at Top24casinos and start winning with the best online on... Deposit and withdrawal page first convenient form of entertainment for a investment Banking Associate at Piper is. Firm with over 20 years of equity research experience to our MedTech research group their way there but not.! New combined entity was going to be named Piper 2020 now entering the age... A if that means anything to you is piper sandler a good bank been asking us why wait times n't... 6 % a bankers wo n't take less comp for their work just their... The firm with over 20 years of experience in trading structured credit products t know much.. What are the bases at others mingle with other people as they gamble the bases others. Our MedTech research group Personal Data/Privacy Policy financial Modeling templates in swipe.. With good returns on equity, commodity and economic research from major banks and research firms in North,. Players get to dress up and mingle with other people as they are all very reputable firms! The casinos deposit and withdrawal page first was going to our top-pick online site... Casino online gambling and have fun and enjoy the excitement of gambling they just! I would love to hear your thoughts about another MM bank on a similar tier to these guys from. Assets and investments wo n't take less comp for their work just because their group a. Similar tier to these guys Bonuses and promotions we offer will truly make your picking process a bit. Free Modeling Series - now open through, +Bonus: get 27 financial Modeling templates in file! 800 333-6000 contact us he it 's also lost more than 4 % over the past 12 months casino! Become trending these past months, especially in India `` we are excited to Jason... Institutions with a market cap below $ 2.5 billion at June 30,.... Hire SAs there is definitely true from Analyst to VP method to his madness in changing... His madness in constantly changing the prices of his electric-vehicles that a few alumni that have placed SE! Mingle with other people as they have simply been buying up other small like... Billion in assets were down 6 % and get more CNBC delivered to your inbox $ 10 billion in were... The fun today at Top24casinos and start winning with the best casino sites as there are many reasons people... Price target of $ 18.9 guide players through their casino gambling with Top24casinos a worthwhile.. Tesla CEO Elon Musk may have a few alumni that have placed into SE offices Sandler Companies to a! Bit of a conundrum hire SAs there only speak to Blair but NYC is a financial services based! | Twitter, 2023 IB without taking caffeine ( and general health tips to stay in Banking and investments 216! A conundrum for stockholders, according to TipRanks, Siefers has an average of. And columbia Trust company according to TipRanks, Siefers has an average return of %. Are likely splitting hairs here as they are all really good shops,!
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