Car makers have come up with an innovation by producing vehicles that can help both the environment and the driver’s budget. They have manufactured a certain type of car that can function with more than one power-source option. These are the hybrid cars. And one that offers comfort and style: 2003 Honda Civic hybrid car.What is a Hybrid Car?A hybrid car is a one that uses more than one energy source to power the car. A gasoline engine and an electric battery run it. These are what we now know as the Gas Electric Hybrid Cars.A hybrid car can either be a full hybrid or an assist hybrid type. A full hybrid is a car that can run either with a gasoline engine or through batteries or both, while a gasoline engine primarily runs an assist hybrid and the battery takes charge of the gas engine when gas runs out.There are three most popular hybrid cars in the market. The first car that had been released was the Japanese-made Toyota Prius in 1997, and then followed by Honda Insight, also a Japanese-made car, which was released to the American and Canadian markets in 1999. A few years later, Honda again released another hybrid car: the Honda Civic hybrid.Features of the Honda Civic HybridHonda Company developed another option for hybrid car lovers. This model is a bigger and better hybrid car, which is competitive with other previously manufactured hybrid cars.Physical StructureThe 2003 Honda Civic hybrid looks like the first released Honda hybrid car, the Civic Insight but this has four doors instead of just two. This car has 174.8 inches length, 67.5 inches width and 56.3 inches height. It weighs around 2,700 pounds. It can accommodate a maximum of 5 passengers and can carry weight up to 435 kilos. Its trunk has a volume of 10.1 cubic feet. The body is made from steel.The car comes out in two colors. These are magnesium metallic and gray.Interior2003 Honda Civic Hybrid is neatly structured. All parts are well distributed and located. All the controls are grouped together which makes it easier to manage and control. It also has a storage area that has enough space to fit a wallet or a coin purse found at the center area between the driver and the passenger. In addition, it also has a glass-holder. It is very convenient for placing your beverages.The gauge meters are colorfully made. It comes with blue color and is easier to read especially during nighttime when light is limited.The interior has a classic color of black and tan. The seats are covered with a suede-like cloth that is very soft and it also has a new pattern design. The back part has a wide area where passengers can move freely and with ease.TechnologyThe Honda Civic hybrid car has a 1.3 liter four-cylinder gasoline engine, with 85 horsepower at 5,700 rpm. It has 47/48 (highway/city) fuel consumption. It has an Integrated Motor Assist (IMA) system wherein the gasoline engine stops and the battery works in place of it.Advantages Of Hybrids Over Conventional CarsLike other hybrids, this car consumes less gas, which can be seen clearly when the distance of travel is gauged. It likewise produces lesser carbon dioxide to the environment. With the conventional cars, the amount of the carbon dioxide is equal to the fuel that is used. Once the carbon dioxide released is decreased, there will also be lesser chances of pollution, thereby decreasing the factors that can affect global warming.Since there is lesser consumption of gasoline, your budget for gasoline is considerably less.Aside from these, the maintenance of the car is not as frequent as a conventional car. Motor and batteries of a hybrid car do not involve any special attention because they do not bring out as much carbon dioxide as the other cars. The brake pads in hybrid cars are not frequently used so it lasts longer as compared to the conventional car’s brake pads.In the US, tax breaks are available to those individuals who use hybrids, such as the 2003 Honda Civic hybrid. This is the way for the government to support the car manufacturers and drivers who likewise help clean the environment.
For Outdoor Activities You Need The Correct Equipment
With technology creating more and more gizmos for entertainment and information the habit of looking towards the nature has become a rarity these days. Not many people are opting to get out of their homes and search for entertainment in Mother Nature. Most people spend their Sundays ensconced in their living rooms in front of the television watching the latest movie flick or are engrossed in playing a video game.Nature has a lot of entertainment to offer an individual. Entertainment that can actually help you in keeping you fit and healthy! Mountain biking, rock climbing, parasailing and camping are great methods of relaxation. The thrill that hitting the rocky terrains on a Mongoose can give is unparalleled by any other. The mild tension and exhilaration that rock climbing or parasailing can provide is something you can never experience in front of the television.But the key to enjoying these activities is to have proper gear to enable you to enjoy these activities. If you do not have proper gear, then the tension of losing your grip while rock climbing or encountering a brake fail on a downhill run can take the fun out of the whole affair.Just like other items that are available, outdoor sports equipment is also available in cheap qualities in the market. Given the mushrooming of the sites, there are many that do not offer good quality material goods and these get spoilt very soon and last you only for a single trip and that also if you lucky. The authentic outdoor sports gear can also be found in stores and the Internet if you know where to look for it. The best deals are available in Cyberspace if you know where to look for them. Stores like R.E.I and Dick’s have brick-and-mortar presence accompanied by websites where one can order. These stores offer you mountain bikes, camping equipment, Swiss knives, quality tents and much more.An online store that is a personal favorite is Tadgear.com. It has the best equipment that I have ever come across in my years of being an outdoor enthusiast. It has the finest collection of camping gear and items that the general masses are likely to find. What makes it my favorite is the fact that it has items even for those who need specialized items for advances expedition in the mountains or the seas.
Peterbilt Trucks – From Chain Drive to the Peterbilt 379
Peterbilt trucks are made by the Peterbilt Motors Company, which has its headquarters in Denton, Texas. The American truck manufacture was started in 1939 by then lumber entrepreneur and plywood maker, T.A. Peterman.Peterbilt Trucks – The Early Years
Peterman was a man with a dream to get the truck business going stronger so he could get his logs to market easier and faster. At the time, Peterman was actually working towards that dream by rebuilding army trucks he bought at surplus, thus learning how to improve them. In 1938 he bought Fageol Motors in Oakland, California in order to use it to start making his custom made chain-driven trucks. The following year he started selling them to the public, which was the real beginning of Peterbilt Trucks.During the 30s long haul trucking was becoming very popular. It was the Depression and many companies that built commercial trucks were losing ground and going out of business. That is how Peterman was able to get the Fageol Motors Company. Prior to his purchase of them, the company had been making heavy weight trucks and buses for 17 years.Peterman built 14 trucks in 1939, but that number leapt to 82 the following year, demonstrating to Peterman that the trucking industry was definitely interested in the quality made trucks of Peterbilt. Peterman was famous for knowing exactly what the trucker wanted and needed because he sent his own engineers out to talk to truckers. They were required to know what the men in the field liked and disliked before designing a single new truck. Peterman also got the military contract during World War II to make heavy duty trucks. This helped him to get ready to re-enter the civilian market as well after the war.After World War II, Peterbilt Trucks Marches Forward
Even death didn’t stop Peterbilt trucks. Peterman died in 1945. After his death, the company was inherited by Peterman’s widow, Ida. His wife promptly sold the company’s assets, but didn’t sell the property, to seven of the company’s managers with the thought of maintaining and building up the company. However, since she didn’t sell them the property, the new owners had to scramble for a new location several years later in 1958 when Ida said she was going to sell the land to build a shopping mall.Due to this, the company changed hands and Peterbilt was bought by Paul Pigott, owner of the Pacific Car and Foundry. He built a brand new facility for the company in Newark, California, and in 1960 Peterbilt trucks were again being manufactured. Pigott kept the name even though he also owned Kenworth trucks and ran both companies. The ironic thing is that Peterbilt was his stiffest competitor, even though he actually owned both companies.Peterbilt continues to grow strong
In 1960 Peterbilt put out 800 trucks and sales kept on increasing as more and more people began to trust and love the quality made trucks. The company was soon unable to make as many as the customers desired, so Peterbilt expanded to two manufacturing plants and built one in Madison, Tenn in 1969.By 1973 Peterbilt was delivering more than 8,000 of its trucks and by 1975, it had opened up a version of Peterbilt in Canada. By 1980 it had another plant in Denton, Texas and by 1993 their headquarters was in California where it still is to this day. Denton become the sole manufacturing plant to build Peterbilt’s 362 COE model truck.Peterbilt’s Truck Lines
Peterbilt lines originally had model numbers that started with a number 2, which stood for single axle models and a number 3 for those with a dual drive. However, by the late 1970s, they stopped doing this sort of distinction. Some of the more distinctive or well known models were:- 200/265: This was a smaller truck that had a cab based on a Volkswagen MAN G90 and it is still being made in Brazil.- 260/360: This is the actual first model of Peterbilt trucks.- 280/350: This model was built between 1949 and 1957 and was known for its unique cycle style fenders in the front and having a long style grill that had vertical shutters on it.-281/351: This version of the Peterbilt model of truck was made from 1954 to 1976. One of its main claims to fame is that a model 281 appeared in the Steven Spielberg 1971 movie, Duel, where an evil truck was trying to kill people. It was a 1950 year version of that model of the 281 Peterbilt truck.- 282/352: This version of the Peterbilt trucks had a tilt-cab cab-over-engine and was the model that came out after the 351, which was a non-tilting cab-over style. It was called the Pacemaker after someone won a contest to name it and got a color television as a prize. The Pacemaker also was developed as a 352 model and won fame when it appeared on the Knight Rider TV show as the evil super truck named Goliath, as well as being the model that was being sung about in the truck song, Convoy.- 358: This model was the company’s very first tilt hood style truck. It was sold until 1976.- 359: This model of Petebilt truck was sold from 1967 to 1987. The 1100 series of these had a bulkhead style of door that is still in used today.- 346: This is a very rare version of the Peterbilt brand and a mere 10 of these trucks were built from 1972 to 1975. It was meant to be used to mix concrete, or as a dump truck or snow plow type truck.- 348: The model 348 was sold between 1970 and 1986 and had a sloped fiberglass hood for better visibility. It was the first fiberglass hood Peterbilt made.- 353: The 353 replaced flat fender models and instead had pit style fenders. It was used in construction.- 387: The 387 Peterbilt trucks were also made in 1976 to 1987. It had a heavy weight frame, flat fenders, undercab steps, big bumper and was used to carry coal.- 362: The 362 became the Peterbilt flagship truck in 1981. It had two kinds of windshield wipers, one was a one-piece center style and the other had either three or two wipers. It also introduced a front axle that was set back and had longer springs in the front. The last one was made in 2005.- 372: This Peterbilt model is considered the one that is the most aerodynamic, the cab nose piece can be flipped forward so that it is easy to do maintenance on it. It was made from 1988 to 1993. It’s said that it has a sort of Darth Vader like look because it looks somewhat like a helmet shape.- 377: This model incorporated some headlights into the fenders and was also considered aerodynamic. It was made with a front axle that was set forward, as well as one that was set back. It was made from 1987 to 2000.- 378: This Peterbilt truck had a steep fiberglass design on its hood and came as a front axle that was set back in its design. It was popular for over the road, as well as local trucking.- 357: The 357 was similar in style to the 378, but was more of a heavy weight than it was. This is because it was designed for construction. It also came with flat fenders, a new style of hood and grill that it had put on in 2004.This vocational style hood was created for clients who wanted front engine power. It was very popular in the heavy haul trucking industry.- 385: The 385 model was made between 1996 and 2007. It was meant to be a competitor to a truck put out by the Freightliner brand, the FLD.- 379: Between 1987 and 2007 this was Peterbilt’s main flagship truck. A claim to fame is that Autobot leader Optimus Prime was shown as a 1997 Peterbilt Model-379 Extended Hood truck in the Transformer’s movie.- 389: this model ushered in some of the changes in Peterbilt models to make them compliant to 2007 EPA standards.Many more styles and models of Peterbilt trucks have come out since this time and the company is still going strong with many truckers desiring to drive and or own a model of the legendary Peterbilt Trucks.
Cardio Exercise and Outdoor Activities
Cardiovascular exercises are especially outdoor activities. Engaging in various cardio exercises at outdoors not only benefit you to breathe the fresh air outside but also enabling you to interact with other people available there. It is suggested to be a very healthy for the mental state of your mind. Socializing with others can again motivate you to engage in cardio exercises in the long run.Cardiovascular exercises are very important for anyone. People are dieing due to cardio attack, heart blockage and many other heart diseases. Heart attacks are becoming very common in people of 30 and 40 age groups. One should do cardio exercises to stay fit and active. This specially makes the cardio exercises as special as many people die daily due to heart problems. Cardiovascular exercises are not only meant for being slim but also for the improvement of our cardiovascular system.If you want to remain healthy with strong heart then do not forget to do these exercises at home. Cardiovascular exercises at home can be fun if you know the best way to do them. You can use treadmills and cycling to maintain the good health and strong heart. Cardiovascular exercises are considered as one of the best exercises when you wish to increase the heart rate. This is the different definition of cardio exercises. Any exercise which can augment and maintain your cardio for at least twenty minutes is usually considered as cardiovascular workout. Thank you for reading, I hope that this has helped.
Common Mistakes Motorcycle Buyers Make When Looking For a Motorcycle Loan
Whether interest rates are high or low or it’s the end of a model year with lots of incentives, motorcycle buyers tend to make the same mistakes when shopping for a motorcycle loan. Here are four common mistakes motorcycle buyers make with motorcycle loans.Shopping for a motorcycle before shopping for a motorcycle loan.Many motorcycle buyers enter the showroom looking for a motorcycle before they determine how much money a motorcycle lender is willing to loan to them for the purchase of a motorcycle. There is no need to shop for a $20,000 Harley Davidson motorcycle, if a lender is only willing to provide a loan amount of $10,000.Additionally, once motorcycle buyers enter the showroom slick salespeople often pressure them into motorcycle loans with much higher internet rates than they could have gotten had they shopped for a motorcycle loan at a bank, credit union or online. Salespeople do not like motorcycle buyers to leave the dealership to get a motorcycle loan. In the salespersons mind this only increases the chance of losing a sale and commission. Therefore, salespeople frequently try for a quick sale which normally results in pushing motorcycle buyers to get motorcycle financing at the dealership.The bottom-line is that it is always best to shop for a motorcycle loan before entering the showroom.Diving into the unknown motorcycle loan.Motorcycle buyers often jump into motorcycle loans that they do not completely understand or may not be the best alternative for them. For instance, in today’s age manufacturers frequently run credit card motorcycle loan promotions on their private-label credit cards. But these promotions typically offer a low interest rate for a short term like 12 or 24 months and have a much higher interest rate after the short promotional term. On a credit card promotion if motorcycle buyers can not afford to pay off the loan during the short promotion period, then they are typically better finding a lender offering an installment motorcycle loan for a longer term.Borrowing too much.The most common mistake the first time motorcycle buyer makes in not having a clear sense of how much motorcycle they can afford. This is especially true for young motorcycle buyers who look to buy the top sport bikes that cost up to $10,000 – $15,000. What they fail to realize is that financing a $10,000 – $15,000 motorcycle can stretch them to thin, resulting in them having little cash to enjoy themselves and the motorcycling lifestyle. They may also have too little cash to pay for insurance, maintenance, registration or new accessories for their motorcycle.Not asking the right questions.The first warning sign that motorcycle buyers should see is that if they do not understand the type of motorcycle loan, then they should be sure to ask a lot of questions.Here are some good questions to ask:o Is the interest rate fixed or variable? If fixed how long will it be fixed for?o Are there circumstances that can make the interest rate on the motorcycle loan change in the future?o What happens if a payment is 30 days late? Does the interest rate increase?o What happens if a payment is 60 days late? Does the interest rate increase?o How long is the term on the motorcycle loan?o If the loan is an installment loan, does it use rule of 78 or simple interest? (Simple interest is always better because it does not penalize the motorcycle buyer if the loan is paid off early.)o What is the down payment requirement to get the motorcycle loan?o Is full coverage insurance required?o How much is registration and are these fees included in the motorcycle loan?o Are there any administrative fees to get the motorcycle loan and if so how much are the fees?Overall, motorcycle buyers can avoid these common mistakes by spending a little extra time focusing on shopping for a motorcycle loan and asking lots of questions.
The Many Advantages of Outdoor Sports
Outdoor sports can never outweigh computer or video games in terms of advantages. Spending a day outdoors may take high amount of energy from us but the benefits are priceless. For one, you may never be aware of it, but the energy being exerted by people who have done even the simplest walk or jog or run for a few significant minutes can actually energize us and give us certain “high” and adrenaline. Exercise is even advised to people suffering from a minor depression for sweating can actually normalize internal processes in our body like blood circulation and oxygen flow. Breathing that comes from strenuous activities allows a good amount of oxygen to flow up until our brain, enabling it to function more productively.Those are only a few advantages of active outdoor sports in our body. Its benefits are not only limited to health reasons that can help us physically, but also a few other significant reasons that may help our entire being. For one, outdoor sports allow us to be one with nature. Enjoying outdoor activities allow us to explore the wonders and the beauty of our natural environment. Surfers are challenged to surf at significantly thicker waves, and spot seas that produce such waves. They know when to surf ideally and at what time of the day.They develop a certain attachment with the ocean and are familiar with the behavior of the water. Hikers take a long day exploring the wild, being able to be challenged with what the nature can offer. They find fulfillment in being able to satisfy themselves with the basic things nature offers. Scuba divers and snorkelers are always amazed by the colorful world under the sea. They find time to go under water and feel relaxed and fascinated by the creatures they see. Outdoor sports allow people to be close to nature, and to God. Being an outdoor enthusiast not only inspires a person to the beauty of nature but also empowers people to use the strength given by the Almighty to the fullest.Outdoor sports can also be a perfect stress reliever. Workaholics who work hard during the entire week can spend a weekend doping their favorite outdoor activity to relax or to relieve any stress or tension. A quick getaway at a tourist destination might do the trick. It is best to not just spend the weekend by being a couch potato watching a movie marathon, it always pays to sweat it out and feel energized. Companies often do team buildings not just to develop camaraderie among employees but to also allow workers to unwind on a different place doing other things where they can exert more energy and feel healthier.Outdoor sports are also great chances for a family or friends’ bonding. A simple swimming weekend activity can help family members to catch up on each other’s lives after a busy week spent on them. Couples can also spend quality time for themselves doing an enjoyable outdoor activity such as fishing or diving, if they are fond of doing it.
Best Places to Visit For Outdoor Activities in England
The many different environments and ecosystems that are present in England make it an outdoor enthusiasts dream come true. There are a wide range of outdoor activities available throughout the country including golf, boating, horseback riding, fishing, and many more engaging adventures.If it is golfing you seek, there are beautifully maintained courses throughout the entire country that are open year round for the most part. In the East Midlands there are world class courses such as Stapleford Park or Belton Woods, the latter of which offers two championship courses. You might also want to visit the home of the English PGA at the Belfry. In the East of England, there are several top notch courses just a short drive from London. There are five world class golf courses in Hertfordshire alone, including the Marriott Hanbury Manor course, which is world renowned. In England’s Northwest golfers can enjoy the manicured links course of Royal Birkdale, which was host of the 2006 Open Championship.If boating or sea fishing are part of your outdoor itinerary in England, there are over 3100 miles of navigable waterways and coastline to explore. Many of these are legacy canals from the industrial revolution and you can travel on them for days in the narrow house boats that you can hire for your trip. There is a famous run of cod every May near Kent, and fishermen flock to this area every spring to cash in on the action. Pollock up to 25 lbs can be caught while fishing in a boat out of Exmouth in Devon. Surf fishing for bass can be out of control along the gulfstream current-warmed beaches of the Cornish coast.Horseback riding in England’s Northwest is a favorite past time and the beautiful scenery found in this part of the country has inspired famous writers such as William Wordsworth and Beatrix Potter. Horse Holidays in Cumbria rent horses out with escorted rides and week-long treks through the mountain country! There is arguably no better scenery to be found than roaming this part of England known as the Lake District.If you want to walk in England there are a number of areas that are considered the best places to visit. These include the Peak District, the Cotswolds, the Yorkshire Dales and perhaps the most famous of all, the Pennine Way which stretches up through a large part of the centre of the country. If you want to walk for days without using other means of transport, then it is possible to walk from place to place and stay overnight in hotels, B&B’s or Youth Hostels if your budget is really tight. It is best to plan ahead though if you are relying only on your feet to get you from place to place as some of the accommodation places can be quite remote and if you turn up and there is no room, it might be a long walk to the next place!
Unrestored Classic Car Insurance
Classic cars are greatly valued and treasured for their unique charm and are commonly used in car rallies and special events. For purposes of insurance, most insurance companies view restored and unrestored classic cars distinctly. The restored classic cars are those, which are remodeled and given a new look while the unrestored ones are retained in their original form. The latter are maintained in the original factory form and nothing is replaced or changed. When unrestored classic cars are in running condition, they can be covered by insurance. There are many insurance companies in the US that provide insurance coverage to such unrestored classic cars if the owner is in possession of the original invoice and the certificate of the title. If the owner has pictures of the unrestored classic car taken over the years, the chances of it getting insured become better. The coverage amount in such cases can be retained during renewal or increased in value. Generally the coverage amount for unrestored classic cars is increased, subject to the location of the car. This is done because the owner enjoys appreciated value on such cars.Unrestored classic cars are considered as a good investment and therefore, the owners of such cars can end up getting more than the claim amount. The insurance policy for such cars allows the insured party the option to retain salvage. Windscreen and window cover is provided apart from the comprehensive recovery service in case of the full breakdown of the car.The insurance policy for unrestored classic cars usually includes mileage option of 1500/3000/5000/7500.They also provide rally cover as these unrestored cars participate in rallies. Since the unrestored classic cars are sometimes used in weddings, the insurance policy also covers wedding hire by day or year.Under the unrestored classic car insurance policy, provision is also made for different kind of discounts on the premium amount to be paid. However, these discounts are limited to experienced drivers, members of recognized classic automobile clubs or institute of advanced motorists.Unrestored classic car insurance aims at retaining the value of old cars by keeping them protected against possible potential damage and loss.
How to Repair Car Air Conditioner
The air conditioner of your car plays a critical role in ensuring the usability of your car. You may think that malfunctioning car air conditioner will only cause minor discomfort. Well, that minor discomfort can be very overwhelming because your car has limited ventilation, because it consists of many parts that emit heat (such as its metallic body and engine), and because the heat emitted by the sun that enters the car through its windshield can hardly escape. Without working air conditioner, its interior will become very hot and you may not be able to drive it conveniently. Imagine you are driving inside a turned-on microwave. The heatstroke that you will likely suffer will mostly make you unable to concentrate.
Because it is important to make sure that your car air conditioner works perfectly, you have to be aware of any damages that it may suffer. There are several possible problems that may cause air conditioner malfunctioning. If you cannot turn on your air conditioner, you need to check its knob because broken knob can be a simple cause of malfunctioning car air conditioner. If there is nothing wrong with the knob, you can check its refrigerant. If cool air doesn’t come out from your air conditioner, it may lack refrigerant. If that’s the case, you should refill its refrigerant. If you have just refilled its refrigerant but your air conditioner suddenly runs out of refrigerant, you may need to check your air conditioner for any leaks. If no leak is detected, your air conditioner’s belt, blower fan, or air compressor may be damaged. If you know the cause of the damage and you can repair it by yourself, you should do the repair job as soon as possible.
Not all damages that occur in your car air conditioner can be detected. If you cannot detect them, you can contact Car AC Repair in Virginia Beach VA to get your car air conditioner repaired.
Antique Car Insurance Advice
How To Obtain Car Insurance For An Antique CarMany people choose to restore and show antique cars as a hobby. But even these cars need some type of insurance to protect against accidental damage. This is why many people search for car insurance for an antique car. There are many companies available that provide car insurance for an antique car, with many companies specializing in antique car insurance. By having a wide variety of car insurance companies to choose from, the consumer has the ability to choose the right type of insurance for their needs.Car Insurance CompaniesMany commercial car insurance companies can also provide car insurance for an antique car. Also called collector car insurance, these policies are tailored to the car you are attempting to insure. A car insurance representative will take all of your information and discuss different policy options with you to ensure that you are obtaining the coverage that you need. They will also help you decide which types of coverage are within your target budget and which deductible and limit levels you will need.Purchasing car insurance for an antique car through a commercial car insurance company will give the policy holder peace of mind, knowing that the company that they have chosen to do business with is an established company with a good reputation. The policy hold may also have their everyday use cars insured with the same company. The security of having an established company provide car insurance for an antique car is well worth the premium that they will charge you to provide insurance for your antique car.Independent Insurance CompaniesThere are also many independent insurance companies available to purchase car insurance for an antique car. These companies tend to specialize in antique car insurance and will not insure any other types of cars. Some of these independent insurance companies will only insure a particular type of antique car, so if the car you are attempting to insure is a rare one, if may be difficult to find an insurance provider that will insure it. When choosing an independent insurance company to provide car insurance for an antique car, be sure that the company is a reputable one. You do not want to find that after months of paying the insurance premiums that the company will not or is unable to pay your insurance claim.Finding car insurance for an antique car can be a lengthy and frustrating process, but the benefits of having insurance for the car far outweighs the initial hassle of finding the insurance. Many antique cars are worth many thousands of dollars and that is a big loss if the car is ever stolen or totaled. Having car insurance for an antique car may be the most valuable insurance that you ever purchase.