Complaints

• Initial Complaint

  03/02/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On 11/28/2021 my husband and I purchased a gold chain and a pair of earrings. The gold chain that my husband got that day made him breakout with a rash so we went to return the necklace on 12/5/2021. My husband and I were told that we should of expected a refund check shortly after in the amount of $****** and never received it. We have been reaching out to Kay's since then because we still have not received the check that they keep claiming was mailed out. Kay's customer service representatives put a request for another check and we still haven't received that one either. What is funny is we are not receiving the check for the reimbursement but we are receiving the coupons and ads for Kay's in the mail. I am at the point of seeking legal counsel to see if they can help me get what is owed to my husband and I.

  

  Business response

  03/10/2022

  March 10, 2022
  
  ****** ******** ***** ****** ** **** * ******* ** *****
  
  BBB # ********
  
  Dear *** ********;
  
  We appreciate the opportunity to respond to your concerns regarding your refund check and the service you received from our company. We apologize for the delay on your refund check.  We welcome your feedback about your experience and will work to improve how these types of issues are handled for future customers.
  
  Your check was returned to our office with an incorrect address. We sent it to you via UPS, and it was delivered on March 4th.
  
  We apologize for the inconvenience you experienced in this matter and hope you will allow us to provide you with the service you deserve in the future.
  
  
  Sincerely,
  
  
  ***** *****

  Customer Connection Center
  
  cc:       Better Business Bureau
  

  
  

• Initial Complaint

  02/28/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On August 13th 2021 I purchased a Movado watch from this location for my moms 60th birthday. On August 14th the day of her celebration the watch was gifted to her. Two weeks later the watch was dead. I called the store to get this rectified and they offered to switch the watch. They had to order the watch from another store and they told me it would take a week or so. I have them two weeks and when I called to follow up the order was never placed so this mishap extended the process even longer. I reached out to customer service to express my concerns and never heard back from the district manager like I was told. Since my mom really loved the watch I waited and gave her the new one once it got in. Fast forward to today as of a 3 weeks ago or so the new watch is dead with my mom being a watch person she is very strategic on treating her watches with care. She pulls the dial out after each wear to preserve the battery. One day she put the watch on and it was no longer working due the batter not working or the watch being overall defective. At this point customer service and the actual store has been no help at all. As much as Movados cost you would think this experience would be much better. Especially after the first watch died within two weeks, the replacement order was never placed and now we have another defective watch that costs hundreds of dollars with no resolution after trying multiple times.

  

  Business response

  03/10/2022

  March 10, 2022
  
  *************************
  *** *****************
  ********, ** *****
  
  BBB # ********
  
  Dear **************:
  
  We appreciate the opportunity to respond to your concerns regarding the Movado watch you purchased for your mother and the service you received from our company.We apologize that the first Movado watch you purchased for your mom required a replacement and for the service issue caused a delay in getting the new watch. We welcome your feedback about your experience and will work to improve how these types of issues are handled for future customers.
  
  Because the purchase of the watch was over 7 months ago, we can send your moms watch to our watch repair shop for evaluation to determine if it is defective and obtain an estimate for repair if the reason for it to stop working is not due to defect. Alternatively, Movado offers a two-year limited warranty, you can send the watch through them by visiting their website at https://www.movado.com/us/en/ca-warranty.html.
  
  We apologize for the inconvenience you experienced in this matter and hope you will allow us to provide you with the service you deserve in the future.
  
  
  Sincerely,
  
  
  *********************
  Customer Connection Center
  
  cc:       Better Business Bureau

• Initial Complaint

  02/24/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On Saturday January 8, 2022, my black diamond engagement ring was dropped off at the sales store for a routine repair of a damaged prong. There were photos of the ring taken at the time of take in to show the condition of the ring. I had no correspondence with Zales until I called in again about a month later on February 11, 2022. I was told that the ring had JUST been completed the day I called. I was told at that time that it was "damaged beyond repair" but they would send it back to the store for me to look at in person. The ring was ready to pick up on February 16, 2022, when I came into the store in person to get the ring. As soon as the ring was brought out, it was clear to me that it was NOT in the same condition as when I had dropped it off at the store. The sales associates continued to assure me it was fine and insisted it was not different. Once they looked closer at the ring, they were able to finally see that it was not in the same condition and the diamond appeared to be damaged. The ************ I was given were to surrend my engagement ring in order to get a replacement ring at the same value. This is NOT a satisfactory solution as the ring was damaged while it was in the care of Zales "Master Jewelery Repair". I have since called customer service, and no one seems to understand that it is unacceptable to damage someone's sentimental engagement ring and offer no solution unless I am willing to give up the ring. The only other options they have offered is to send the ring back to be "repolished" but at this point I do not trust sending my ring back to them. They also offered to refund the warranty price, which is no where near the value of the ring its-self. I just cannot see how surrendering the sentimental item is the only way to get a replacement when ZALES damaged the ring.

  

  Business response

  03/10/2022

  March 9, 2022
  
  
  *************************
  4805 *****************.
  ******, ** 27712
  
  Re: Case # ********
  
  
  Dear *************************,
  
  We appreciate the opportunity to respond to your concerns regarding your ring repair.
  
  I am sorry to hear your ring was in need of repair. I researched your concerns and found you have been working with my associate **** regarding this concern.
  
  **** explained when the jeweler was working to rebuild the broken prong there were difficulties with the metal. The metal on your ring is pitted and brittle. For this reason, the jeweler feels the repair will not hold and deemed the ring unrepairable.
  
  The jeweler did not damage your ring or the stone. Because they deemed the ring unrepairable, they did not complete the clean and polish which would account for the look of the stone.
  
  Per our policies, we will replace the ring with either the same ring or one of equal value; the value being the price that was paid originally for the purchase. It is my understanding that we still carry the same ring. You do not get to keep the original ring as it is completed as a warranty exchange.
  
  I viewed Saras notes and discussed your concerns with her. **** and the store manager have provided several options,which include replacing the stone if you want to keep your original ring instead of an exchange. All of the options they have provided go above and beyond the normal procedure for this type of concern.
  
  When you decide which option you would like to move forward with, please contact **** or the store manager. They are happy to continue to assist you.
  
  I apologize for your dissatisfaction and the inconvenience this has caused.
  
  Sincerely,
  
  *************************
  Specialist, **************************

  Customer response

  03/10/2022

   I am rejecting this response because:

   

  If the ring is damaged beyond repair why would replacing the stone be an option? Would that not damage the metal further?  The main part that doesn't make sense is why you would need my original ring back. I took the ring to an outside jeweler and they expressed that the diamond was heated up too much and that changed the coloring of the ring.  Not sure how polish and buff would fix that part of the diamond being a different color. 

   

  There is no scenario where my ring is being returned to Zales, your jewelry is not made to last.  Is 10 years really so long that it should be "damaged beyond repair" because of prong issues?  The band of the ring itself snapped in the past as well if you reviewed the history.  This ring has been garbage since I got it, but the whole point is the sentimental value.  That is the point of a wedding ring.

   

  I would like to know what happens when a ring is surrendered? What happens to it? Do you take the diamonds and resell them? I mean what is the point.  Zales jewelry is not made to last, and you do not understand sentimental value or respect that not everyone is okay with just throwing away their wedding ring to get a new one.  That defeats the whole purpose. 

   

  I will continue sharing my story online until I get a satisfactory result. Other people need to know that your jewelry doesn't last and the ************ to fix it involve surrendering your original item.

   

  Unacceptable.
  
  

• Initial Complaint

  02/24/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Thursday February 2, 2023 we dropped off a brand new engagement ring and wedding band (valued over $7,000) at Kay Jewelers to be resized. Friday February 18, 2023 kay jewelers in Amsterdam Ny called us to tell us our rings had been lost by UPS in transit. They refused to give tracking number, refused to offer any type of resolution and stated it was very unlikely we would receive our rings back, that corporate would call us. It is now Thursday February 24, 2022 and we still have not received a call from “corporate”. We do not have our rings, or any resolution. The ticket kay’s claimed to have opened does not have any updates. They put us on hold for 30+ minutes to even to speak to a customer service representative who knows nothing. We are not the only ones effected from this “lost” shipment. We were told over 40 pieces of jewelry were in this shipment.

  

  Business response

  03/10/2022

  March 7, 2022
  
  ******** ******* *** ****** ******* *** ************* ** *****
  
  BBB # ********
  
  Dear *** *******:
  
  We appreciate the opportunity to respond to your concerns regarding your engagement ring and wedding band and the service you received from our company. We understand the importance of your wedding jewelry and your distress with its loss. We have forwarded your concerns to the district managers responsible for the Amsterdam store and repair shop as well as to management of the Customer Connection Center to address with the team members involved. We welcome your feedback about your experience and will work to improve how these types of issues are handled for future customers.
  
  According to our records, you are working with Case Specialist, ******. She has informed you that your replacement merchandise is available for pick-up. Our records also indicate that you were offered an $800 gift card as well but declined due to the request for you to sign a general release form.
  
  We apologize for the inconvenience you experienced in this matter and hope you will allow us to provide you with the service you deserve in the future.
  
  
  Sincerely,
  
  
  ***** *****

  Customer Connection Center
  
  cc:       Better Business Bureau

  Customer response

  03/10/2022

   I am rejecting this response because:
  
  The giftcard offered by ******, was not said to be contingent on signing a release form. This was a bribe to keep quiet about the situation of Kay Jewelers losing our rings. Your store manager then told us she would NOT give us our replacement rings because we did not sign that general release form. Yelling, degrading, embarrassing us in your store. We have now begun the processing of filing a complaint through the state in which we will leave this to them to handle. Nobody should be treated as poorly as we were in your Amsterdam location.  

• Initial Complaint

  02/23/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I bought an engagement ring at Zales and signed up for the Zales card. I then ordered a wedding band for my fiancé on 2/6 through the ******* location that was showing in stock under the Valentine’s Day promotion period. Not until the afternoon the day of the products expected arrival I got an email stating my order was cancelled due to not carrying the product. I went into the store in ******* and tried to get an explanation and asked to get a product of the same value or better at the same price. Not only did they say I’m out of luck but said I couldn’t even get the same promotion prices as when I bought the band but now on the current promotion which is 30% less discount. So I called CS and the agent stated that the product they cancelled on me is now back in stock on 2/17 and even got me an slightly better discount. Today I got the same email on the day it was supposed to deliver that my order was cancelled. This is twice now. With our wedding just around the corner. I was patient and kind to try and get a solution figured out as I also work in retail and understand the process of these situations. I would like a product that is in stock, of same value and style or an upgrade at the same price I paid. As a long time returning customer I’m shocked at the little help and consideration given. That’s not good business. I just want a solution to my issue without being bait and switched into more money. And I want something as good or better than what I paid for at this point. Which I think is more than fair. Then I just spent 57 min on the phone with customer service. Was told I’d get 50% off an item to make up for. Finally pick out the new product. And then put on hold to be told they aren’t responsible so I can’t get the 50% discount anymore. If I get the 50% discount I was promised I will place the order. And remove the complaint. This is ridiculous.

  

  Business response

  03/09/2022

  March 9, 2022
  
  
  
  *** **********
  **** ***** ***** **
  ******** ** *****
  
  Re: Case # ********
  
  
  
  Dear *** **********,
  
  We appreciate the opportunity to respond to your concerns regarding your online order.
  
  I am very sorry to hear your orders were cancelled due to the item being out-of-stock. I researched your concerns and see the ring you ordered is a Previously Owned item.
  
  Previously owned merchandise is marked well below the normal retail price of the new item and stock is very limited. These types of items sell-out very quickly. The terms and conditions on our website states the following regarding availability and pricing:
  
  “Company's acknowledgement of an order means that your order request has been received; it does not mean that your order has been accepted or shipped or that the price or availability of an item has been confirmed. Company makes a conscientious effort to describe and display its products and services accurately on the Website. Despite these efforts, a small number of items on the Website may be mispriced, described inaccurately, or unavailable, and we may experience delays in updating information on the Website and in our advertising through other media. As a result, we cannot and do not guarantee the accuracy or completeness of any information, including prices, product images, specifications, availability, and services.”
  
  For the inconvenience, I would be happy to provide you a 25% off promotional code you can use towards a new order. If you would like to accept this offer, please contact me directly at:
  
  ***********************************
  
  I apologize for your experience and the inconvenience this has caused.
  
  
  Sincerely,
  
  ***** *******
  Specialist, Customer Connection Center

• Initial Complaint

  02/23/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Bought a ring from Zales on Nov 29,2021 for my gf and a litte over a month later one of the stones falls out, A redheaded lady in the store says they can fix it for $29 and takes my ring and i get a call back a week or so later telling me it going to be $200 , Dont feel like i was done right , they still have the broken ring(havent picked it up) now they telling me they gonna send it to a place where abandoned merchandise goes when i feel they should fix it for the $29 they promised, This job may be under **** ****** ,**** is my middle name, Thank you

  

  Business response

  03/09/2022

  March 9, 2022
  
  
  
  ****** ** **** ******
  ** ******* ***** *** *** *
  ************* ** *****
  
  Re: Case # ********
  
  
  Dear ****** ** **** ******,
  
  We appreciate the opportunity to respond to your concerns regarding your ring.
  
  I am sorry to hear your ring lost a stone. I researched your concerns and though I was unable to locate the original receipt for your purchase, I was able to locate two repairs.
  
  I see the first repair to size the ring was at our ******** **** store in ****** **. The second repair was at our ********** **** store in ************** ***
  
  At Zales, we offer a 6-month repair warranty which would cover the replacement of the lost stone. However, our stores are only able to access the repairs performed at their store and the repair warranty would normally only apply at the store where the original repair was performed.
  
  It appears the ****** ** store is not near you. For this reason, I would be happy to make arrangements with the ********** **** store to have the stone replaced free of charge. To do this I will also need to locate the original sales receipt.
  
  I would appreciate it if you could reply to me directly with a copy of the receipt. If the ring was purchased from our website, the online order number would be acceptable.
  
  Please forward this information to me directly at:
  
  ***********************************
  
  I apologize for your dissatisfaction and the inconvenience this has caused. I look forward to your reply.
  
  Sincerely,
  
  ***** *******
  Specialist, Customer Connection Center

• Initial Complaint

  02/23/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I PURCHASE AN ENGAGEMENT RING FROM ZALES FEB. 3, 2022 TO GIVE TO MY WIFE FOR VALENTINES DAY AND WHEN THE PACKAGE WAS DELIVERED FEB. 10, 2022THERE WAS NO RING IN THE RING BOX. I CONTACTED ZALES AND THEY ADVISED ME THAT THEY WOULD HELP AND ESCALTE THIS MATTER, BUT WHEN I FOLLOWED UP, 02/23/2022, REGRADING THE MATTER THEY RELINQUISHED ALL RESPONSIBILITY AND HELP WITH THIS MATTER STATING THERE IS NOTHING THEY CAN DO. I FILED A CLAIM WITH *** AND HAVE HEARD NOTHING EITHER. ZALES DID NOT TRY TO REACH OUT TO *** AT ALL AND REFUSED A REFUND OR TO RESEND THE RING I SPENT $756.67 FOR. RUINED MY VALENTINES DAY WITHOUT ANY REMORSE. I JUST WANT MY WIFE TO HAVE HER RING!

  

  Business response

  03/09/2022

  March 7, 2022
  
  
  
  ***** ********
  ***** *********** *** *** ***
  *******, ** *****
  
  Re: Case # ********
  
  
  
  Dear ***** ********,
  
  We appreciate the opportunity to respond to your concerns regarding your online order.
  
  I am very sorry to hear you received an empty box. I researched your concerns and found an investigation was performed by our ecommerce team.
  
  Every order that ships from our facilities is videotaped. The video confirms the ring was placed in the box and properly packaged for shipping. Your order left our facility on February 9, 2022, which is the same day it was prepared for shipping.
  
  According to the *** tracking information an investigation was started and when they contacted you to view the box and packaging, it had been discarded. Because they were unable to evaluate the packaging, *** closed their case.
  
  Once again, I am very sorry you received an empty box; however, we have confirmed the ring was placed in the box and properly packaged. We do not replace, or refund lost or stolen merchandise.
  
  For further investigation, you will need to contact ***.
  
  I apologize for your experience and the inconvenience this has caused.
  
  
  Sincerely,
  
  ***** *******
  Specialist, Customer Connection Center

• Initial Complaint

  02/23/2022

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I took my fiancés wedding ring (not purchased at Kay’s) into a Kay’s store to have it engraved. When they called me to pick it up, they had messed up the engraving and told me it was not fixable and it would have to just be a refund. I’ve been fighting with Kay’s for 2 months now waiting on my refund. I have verified multiple times the correct amount to be refunded and everytime I call back into Kay’s to check the status they have the wrong amount. I finally got a refund check in the mail 2 months later for the wrong amount. I called Kay’s back to ask them why the wrong amount was sent back and they said a check for the correct amount was approved. I was told to wait 21 days. I waited 21 days and received nothing. I called back again and was told to wait another 21 days and still have received nothing. Everytime I call into Kay’s to get help with this case I am hung up on multiple times and then when I finally talk to someone they tell me to just keep waiting on the check. No one can give me an accurate answer of where the check is and when it will come to me. I thought that a big jeweler like Kay’s could handle a simple engraving but apparently not. All that I want is my refund and to never have to deal with this company again. My case number with Kay’s is ********

  

  Business response

  03/04/2022

  March 4, 2022
  
  ******* ******** ***** ***** ***** ** *********** ** *****
  
  BBB # ********
  
  Dear *** ********:
  
  We appreciate the opportunity to respond to your concerns regarding your fiancé’s wedding ring and the service you received from our company. We understand the importance of your wedding jewelry and your distress with what occurred. We have forwarded your concerns to the district managers responsible for the Farmington store and repair shop as well as to management of the Customer Connection Center to address with the team members involved. We welcome your feedback about your experience and will work to improve how these types of issues are handled for future customers.
  
  As you have stated, you received a check for $204.99. The second check for the remaining amount of $45.50 printed on 3/4/2022 and is being shipped to you via UPS.
  
  We apologize for the inconvenience you experienced in this matter and hope you will allow us to provide you with the service you deserve in the future.
  
  
  Sincerely,
  
  
  ***** *****

  Customer Connection Center
  
  cc:       Better Business Bureau

  
  

  Customer response

  03/07/2022

   Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

• Initial Complaint

  02/22/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  These companies are trying to collect on debts that aren't owed by me. they have taken more than 60 days to respond to my complaints and I intend on holding them civilly and criminally liable. they have broken many laws and they know that, so the fact that they are attempting to collect on debts that aren't owed by me is an outrage. They are playing with my intelligence now and I don't appreciate it. I have been declined for a car, mortgage and other lines of credit due to these companies. I demand these items be removed from my credit report since reporting is totally optional and the laws they broke in the letters that I sent them. I am flexing my right to rescission and want every dime back that I ever paid (which I have outlined in my letters). If they want to end up in court we can definitely go that route. I have given them ample time and opportunity to make these situations right so now I will be filing claims in court. Tell them to remove these unknown account in my report and pay what they owe. For this item to be deleted from my consumer report immediately.

  

  Business response

  03/04/2022

  March 4, 2022
  
  ****** ******* ** ****** ** ********** ** *****
  
  BBB # ********
  
  Dear *** *******:
  
  We appreciate the opportunity to respond to your concerns regarding the credit account reporting under your name and the service you received from our company.
  
  We have attached our company’s response to your similar **** complaint for your review.
  
  We hope that this information clarifies matters.
  
  
  Sincerely,
  
  
  ***** *****

  Customer Connection Center
  
  cc:       Better Business Bureau

• Initial Complaint

  02/21/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Original ring purchased at Zales in *********** ** was lost by store in Fox Valley, ** and replaced with an inferior quality ring. A rash and subsequent allergy developed within 7 months of wearing ring. Called store where the ring replacement received and set up day to see the district manager (*******). My husband was with me when we then went to the store. Talked with district Mgr. and he also witnessed rash on my finger and hand. He then offered to exchange ring for a much more expensive one. I realize this is because they are in business to make money and not to provide customer satisfaction. We were unable to come to a resolution at that time, District mgr. gave me his business card containing his contact information and said to contact him. I lost the card and left several messages with the store and customer service but never received a call back. This ring is covered by a lifetime warranty. The terms of the warranty state: WHAT IS COVERED:This Plan covers: (1) Repair or replacement of the Merchandise if it fails (a) as a result of normal wear and tear during normal usage under the conditions for which it was designed or (b) due to a defect in materials or workmanship; and (2) if the Merchandise is a ring, ring sizing up to two sizes up or down, provided that the design and materials of the Merchandise permit such sizing increase or decrease.All repairs shall be completed by Us or by such other repair center of Our choice. We may make repairs with non-original manufacturers parts of like kind and quality. Due to the design or materials, some Merchandise may not allow for repair or ring sizing; however, that Merchandise may be eligible for a one-time replacement as outlined in the MERCHANDISE REPLACEMENT section below.It is my preference to have a reasonable resolution to the problem I have with this ring. I have not and cannot wear it as it is. The materials it is made from are in my opinion defective.

  

  Business response

  03/04/2022

  February 28, 2022
  
  
  
  *****************************
  ****** ***********.
  **********, ** *****
  
  Re: Case # ********
  
  
  Dear *****************************,
  
  We appreciate the opportunity to respond to your concerns regarding your ring. I am sorry to hear of the difficulties you have experienced.
  
  I would be happy to look into your concerns further; however, I will need more information. I will need the purchasers name, phone number and an approximate date of the original purchase as well as an approximate date of the repair.
  
  Any copies of receipts or repairs would be greatly appreciated.
  
  Please forward this information to me directly at:
  
  ********************************************************************************
  
  I apologize for your dissatisfaction and the inconvenience this has caused. I look forward to your reply.
  
  Sincerely,
  
  *************************
  Specialist, **************************

  Customer response

  03/11/2022

  Attn: *******************************, Specialist
  

  
  

  This is an ongoing case with Zales customer connection center #********.  So as not to be repetitive and being informed that *********************** has previously researched the information asked for in response from the *********** ******* It is my hope between yourself and necessary channels this matter can be amicably resolved.  I have left messages with customer care for both of you to call with status or questions. 
  

  
  

  Thank you,

  
  

  *****************************

  
  

  

  Business response

  03/21/2022

  March 21, 2022
  
  
  
  *****************************
  ****** ************ **********, ** *****
  
  Re: Case # ********
  
  
  Dear *****************************,
  
  We appreciate the opportunity to continue to respond to your concerns regarding your ring. I am sorry to hear of the difficulties you have experienced.
  
  I located the case notes and spoke with ***********************. She explained your case involves a ring that was exchanged for you back in 2017. *** explained you took your ring in for sizing and claimed the ring you received back was a different ring.
  
  Although the serial numbers on the stone matched what was sent to the jeweler and on your paperwork, the district manager authorized a one-time customer service exchange due to your insistence. At that time, you selected a white gold ring and signed a general release form.
  
  *** contacted the district manager and the store manager as well. Although they are happy to use the ring as a trade-in towards a new ring you would need to double the value as stated in your Lifetime Diamond Commitment.
  
  Your purchase is well outside of our return /exchange policy time frame and you signed a general release at the time of the exchange. For these reasons, we are unable to process another exchange.
  
  If you would like to use the ring as a trade-in towards another ring, please visit the store at your earliest convenience.
  
  I apologize for your dissatisfaction and the inconvenience this has caused.
  
  Sincerely,
  
  *************************
  Specialist, **************************

  Customer response

  03/29/2022

  In response to your letter regarding Zales response to my complaint is NOT satisfactory. Being that I sent several emails in response addressed to ***** ******* and never received any reply. The only response ever received from Zales (*********) is same letter sent to me by the BBB. It appears Zales is unwilling to offer any further assistance or options in this matter.
  
  

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩