Deloitte benefits reddit. it’s more of a perk really.
Deloitte benefits reddit Finally, Deloitte is a 'matrix organization' where you don't really have a direct manager. I’ve recently been approached by an old coworker who currently works as a Senior Expense Auditor for Deloitte and they’re encouraging me to apply for the same position. Rarely have I seen anyone considering both Deloitte India and USI together. It turns into even more as you add dependents, I think it’s like $6k. Your child will be a part of your life for the rest of your life, Deloitte will not. It is separate from your 401k or Roth. I can stay at my level of responsibility, do work I love, have great teammates, work from home, great benefits, etc. Not sure if it counts but you have to put in one week before you start your LOA. Designed by our employees and for our employees, Deloitte’s benefits offering provides a wide range of employee benefits & discounts available to support your personal and professional life. I was wondering what people have been able to spend their commuter subsidy on besides things such as a bus, taxi, or Uber to the office. 🏃🏾🏃♀️🏃🏻♂️ _____ Users can trade their NFTs on the in-app marketplace. I have had a miserable 12 months working. I get Deloitte on my resume, great pay, and it's not up-or-out. Our goal is to help Redditors get answers to questions about Fidelity products and services, money movement, transfers, trading and more. If you worked at Deloitte, you are AUTOMATICALLY enrolled in a pension that Deloitte contributes to on your behalf. I am at the PDM model, and my maternity leave was 3 months (8 weeks STD for c section (because i had c section, for regular delivery it is 6 weeks) +2 weeks deloitte maternity leave+the rest is my own saved PTO I did not use for the entire year). D is the biggest of the four. The amount contributed by Deloitte is determined by a formula which weighs salary and time of service like most pension plans. Deloitte has been a shit experience. Independence noncompliance - I joined Deloitte in April 2022, but failed to rollover my former employer’s 401k benefits plan until this past March. . Good opportunities for engagements. Deloitte is my ~15th organization in my career, which is fantastic; the best thing I love about Deloitte is you need to drive your career. CSCareerQuestions protests in solidarity with the developers who made third party reddit apps. Like others said, be mindful that they might give you a lower starting salary, although my full time offer was my internship hourly rate * 2,080. They give you a form to fill out which breaks out each part of leave start and end date, and mine summed to 24 and then I tacked on PTO to round it out to 6 months. DFW for AA, SFO for United, ATL for Delta, JFK for JetBlue, etc. You then go through the online portal to find law offices in your area who participates in this service network and do the kind of work you need. Responsible development and deployment of generative AI technologies are crucial to maximize their benefits while mitigating potential risks. Good: For me, pay is really good, benefits are fantastic with the additional wellness benefits and commuter subsidy we had. Given that traveling is basically all I spend my money on, it was the only perk I cared much to explore–flights were consistently 10-25% more expensive than I found elsewhere. I wish I were able to have Paternity leave when my sons were born and am SUPER HAPPY this is a benefit for the younger crowd. Benefits being if you choose the high deductible you can open an HSA account and start saving tax free money that will build up since you’re young and I assume in full good health. I spoke to someone from wintrust and he said that Deloitte employees get discounted rates but the only thing that the internal documentation says is that you get a 500 dollar gift card. The environment at USI is a bit more relaxed, Deloitte India culture is cut throat and Deloitte's has the most F500 clients for their audit/tax so they can't provide advisory services to them because of independence and conflicting interest. USI is just a back office for Deloitte US and does not have direct clients. There are literally thousands of people who join Deloitte's auditing business just for a CHANCE to work in consulting, and most of them strike out. Deloitte U is a nice perk for employee training. Learn about MBA programs, applying to them, and what life is like while in one and afterwards. Don’t want to offend them as I am interested but when I put pen to paper it’s almost equivalent compensation for my current role (benefits included). Dec 31, 2021 · Deloitte matches $0. Feb 25, 2021 · I am thinking of accepting an offer from Deloitte in their cloud consulting practice in Toronto but wanted to hear some of your pros and cons of working at Deloitte in general (preferably if you have worked at the Toronto office) Dec 13, 2021 · Have you googled Deloitte benefits? Are you US? They have pretty extensive materials online outlining essentially everything you probably want to know. Offer from Deloitte in Human Capital as a SC. I am also biased, but I would go with Deloitte! Better brand better exit opportunities, a larger firm, more fun and larger budgets, and Deloitte U for a lot of learning and growth. Currently working in state government so benefits are very good. So a candidate would browse the benefits page and easily assume he/she is entitled to said benefits and considers these benefits when calculating total compensation. Work life balance will probably be the reason I eventually leave lol. e. Is $1k a new adjustment or does it differ based on roles & years of experience ? Remembrance fund3 provides optional financial and non-financial benefits to Deloitte families if a Deloitte professional or immediate family member dies. I keep hearing that there are a ton of benefits but the only ones I've seen are: WSJ subscription Perks at work Wellness benefit Are there any other benefits or perks out there? Aug 24, 2021 · Starting at the firm in October and I wanted to know what benefits or perks to take advantage of right away (aside from 401k)? What are the perks that make working at Deloitte great? Employee discounts for devices / cell phone plans / etc? May 20, 2023 · Some of my insights from my time at Deloitte to consider if you plan to work there: Deloitte's brand reputation, benefits, and prestige appeal to many, resulting in a high influx of potential employees. I had no expectations and was let down even from there. This subreddit is for all those interested in working for the United States federal government. I’ve just joined Deloitte USI on 21-Feb, my friend works for Deloitte India and said the benefits are better with USI as is the pay. Through my research, I understand Deloitte can offer up to $50k for a surrogate, but I can’t get any solid answers on if/how they can help with any financial assistance regarding IVF specifically. Im technically on my 4th position since then. I will be starting my career in Deloitte in August as I have been selected as fresher in the role of cybersecurity analyst in Deloitte usi in India. 25 per dollar on the first 6% of eligible contributions. Since the application process itself is often nothing short of herculean and time-consuming to boot, this place is meant to serve as a talking ground to answer questions, better improve applications, and increase one's chance of being 'Referred'. Everything you need to know about sales, selling, business development, lead generation, prospecting, closing and more! Recommended books are linked in the menu and sidebar. The comments here are spot on for how you’re staffed on projects, the type of project, pay, benefits, etc. The best place on Reddit for admissions advice. The work culture, employee benefits are good, there are ample opportunities to grow but yeah like I said, WLB took a hit. Posted by u/sarahkirensky101 - 15 votes and 3 comments It’s London Flights and trains to so many cities True Hybrid Tons of events Great WLB (moreso DD) £500 WFH subsidy if started before x date Community for people who work for Deloitte (or any of its partner firms). Income partners are paid a base salary and treated the same any other employee in terms of taxation and other benefits received. If your goal is traditional consulting, stay away, especially on the GPS side. I think that Deloitte definitely provides the opportunity to develop different skills than a trad SWE role. Management can be two face and feed you a lot of kool aid. But, there are a few things you should know. As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. I will be joining Deloitte next year Feb in Australia. You do get good benefits at EY. Users equip NFT Sneakers – walk, jog or run outdoors to earn tokens and NFTs. Hello! My friend has been offered a role as a senior analyst in finance and seems to be having trouble finding out the benefits. I get the usual company holidays and 15 days PTO. Veteran’s Day isn’t listed on Deloitte 2022 holidays but it’s on the government holiday schedule Reply reply More replies Upbeat_Return_2873 Has anyone taken advantage of any useful perks in the financial planning realm — such as any debt consolidation or mortgage loans, financial planing (separate from 401k) where Deloitte has a deal with a specific vendor / lender? In solidarity with fellow subreddits and 3rd party developers, /r/AskHR has gone private during the blackout. Was just wondering if Australia had a similar thing in regards to WFH or even Wellbeing funds. That’s NOT including your AIP, that is considering only ONE person out of 3 is working, and that is NOT including additional benefits (which we have PLENTY of). That’s for employees, ppmd plans are different. Now my manager (who is my coach) is leaving and asking me to leave with him, he is a great leader and I really loved working with him, he is leaving to a lower tier auditing/advisory firm however still considered as one of the top 10 international firms. Does Deloitte have tuition assistance, or 529 investment plans? View community ranking In the Top 5% of largest communities on Reddit. Check out the sidebar for intro guides. I've heard of a couple things like car rentals and a few others but haven't been able to find concrete info on how to take advantage of these types of things. Unlock a constellation of exclusive rewards, preferential pricing, and unparalleled customer service, crafted to illuminate your life's aspirations. 24K subscribers in the deloitte community. Those that have degrees and 3 years experience or more than 10 years experience without a degree seem to be around 120k. Well as you know Deloitte is a huge company but I think you would like it because you do get to see the results of work and make relationships with clients. Look into how these companies treat their employees!! honestly both are about the same culture, wage, and work wise. I am a person that hates to sit in meetings. Great way to start their lives. Hey all, I just started with Deloitte this week. Join us for game discussions, tips and tricks, and all things OSRS! OSRS is the official legacy version of RuneScape, the largest free-to-play MMORPG. DTTL (also referred to as "Deloitte Global") does not provide services to clients. So they are restricted to projects who aren't their audit clients. Since I passed on Deloitte a little over 2 years ago I bounced around a lot. The vesting period is 3 years. Any difference in benefits prorated by 4 gives you an insignificant variance. I’m not sure if these are offered at Deloitte India. Benefits . Hey! I actually used to work for Bright Horizons in this back up care department and now work for D. r/deloitte. deloitte. g. It definitely sucks getting this far and realizing I probably didn't. simple and silly question, When do you become eligible for health insurance, or rather when does it kick in? I'll be starting in December 2020 and wanted to know if I'll be able to start using my insurance in Jan 2021 or is there a 90 waiting period or something. Hi. Still think it’s low according to market data. That’s why we are continually improving our benefits & discounts offering to give our people what matters most to them and their loved ones. Do what you will. First offer was low. And whether that airport is a hub for a major commercial airline (ex. Exactly. Hello all, I am a current graduate student majoring in corporate communications and am interested in working for Deloitte. Deloitte LLP is the United Kingdom affiliate of Deloitte NSE LLP, a member firm of Deloitte Touche Tohmatsu Limited, a UK private company limited by guarantee (“DTTL”). How is this comparable to Deloitte? Also, asked about CPA reimbursement and 401k information. You gotta pony up a lot of unexpected cash and that scares people. I recently joined Deloitte and need to select my health plan. Bad: Really lean teams, think like half the amount you would normally expect. You can convert amex points for gift cards to a lot of places so if you are billing over $9k/year in expenses than it is worthwhile. the form gets signed by your coach and sent to some ELE benefits email and you’ll call insurance within 30 days of your due date too. Seems like you get worse benefits and career outlook (learning opportunities, etc) but slightly better pay which in my opinion kinda equals out since the benefits cost more Here are Deloitte’s: $1,000 - Well-being Subsidy $1,000 - Hybrid Community Benefit (parking at work and transport to work) $500 - Technology subsidy Archived post. Deloitte has the right to change plan terms (including eligibility for benefits) or to discontinue any part or all of the benefits described herein at any time. That jumps you up into upper middle class. Question about Deloitte benefits Does anybody who’s worked at Deloitte or Accenture tell me anything about the tuition payback benefit on second year of MBA? Are you expected to stay at the firm for a certain amount of years if they pay for your second year? STEPN is a Web3 lifestyle app with Social-Fi and Game-Fi elements that uses a dual-token system. I can’t really tell you if Deloitte and the position you’re going for is going to be right for you through retirement, or even for the next year. Think about all the millions of people who aren't able to get into T15 schools and would love to go to Deloitte. You did not need to enroll. TL;DR Stability - Booz Eager to learn and open lots of doors - Deloitte Deloitte C and Booz SC are the same. I have an Aetna HMO plan with a very low copay. I’m not sure how the culture is, if the benefits are worth it, etc. Companies that don't have at-will employees will usually have them because once you pass it, it is difficult to fire people. First, Reddit is the king of response bias. reddit's new API changes kill third party apps that offer accessibility features, mod tools, and other features not found in the first party app. I really enjoy working at Deloitte. Is the company benefits good here? E. Reddit is such a joke about this lol. View community ranking In the Top 5% of largest communities on Reddit. We would like to show you a description here but the site won’t allow us. You have to enroll during annual open enrollment. average amount will be deduced from the paycheck(I know it depends on the plans we choose, but just a rough estimate to get an idea)? Is the plans and pricing varies by positions or same for all? While generative AI has numerous benefits, it is essential to address challenges such as potential biases, ethical concerns, and the risk of generating misinformation or harmful content. https://www2. Certain roles and employment positions within Deloitte and its affiliate entities may not be eligible for all or some of the benefits described in this document. Its kind of a shame that a company like Deloitte hasn't gotten these benefits out to employees. For so long I felt I made the right decision going with Deloitte and was excited to get started. I have joined Deloitte as a fresh graduate and had a fruitful experience through the last year. It vests completely in year 4 I think with steps before that (20%, 40%, etc). chose whichever one has better benefits for employees!! 32K subscribers in the deloitte community. We communicate a lot via group chat. it’s more of a perk really. A place for employees to ask questions about compensation, benefits, harassment, discrimination, legal, and ethical issues in the workplace. Deloitte UK : Benefits so i can't have a deeper look at the benefits at Deloitte UK. Deloitte was my first Big 4 and all other companies had the benefits brochure attached to the offer email. There is no probation period at Deloitte as you are an at-will employee. During this time, one would essentially be a consultant with full-Deloitte benefits; a sort-of pseudo-Deloitte employee. Broadly speaking though it's a cash balance pension plan which is mechanically similar to a 401k plan that only the employer contributes to. From my understanding, we get paid more and have the same standard healthcare and 401k, but don’t have access to many things on the traditional side, like DU and other professional development resources that people seek from a company like Deloitte. Both have complained about long working hours. Yes, Deloitte US has a benefit for legal services. I called my recruiter and he said it depends on your profile but that I was a campus level consultant hire so it would probably be like 23 hours Was pretty disappointed with the travel. I did corporate retail professional for over 10 years and my salary expectations are $95,000-$120,000 USD for communications roles. Really helps me clear up if I think a move is worth it. com/content/dam/Deloitte/us/Documents/careers/us-careers-benefits. The people are great, my work/life balance is good, they pay me way more than they should, all sorts of good perks and benefits, I get huge raises and bonus compared to normal industry, etc. However, I had talked to some people and even saw some posts on this subreddit and it seemed to me that the general consensus for people on this track is that the pay is lower, you lose some benefits, and job security is much lower as well. Take full advantage of the benefits provided to you. Now yes there’s an off chance you meet some deloitte consulting partner, really hit it off, and for some reason he decides to offer an auditor a job… Community for people who work for Deloitte (or any of its partner firms). Since they control so much of professional services market, this is quite effective. Apparently he was given a call center number and basically told “We don’t give that info out” when trying to figure out the cost and coverage of healthcare. DTTL and Deloitte NSE LLP do not provide services to clients. Technically, the full time salary equivalent of $40/hour would be 40*2080= 83,200. Deloitte is elite to 99% of people in the world. Any suggestions is highly appreciated. Whether you are fresh out of school, starting a family, caring for an elderly parent or planning for retirement, Deloitte has a variety of programs that you can tap into when you need them. The Reddit Law School Admissions Forum. Please make sure to read our rules and wiki before posting. I recently accepted an offer and I was looking through Deloitte’s benefits PDF and it says wellness subsidy is $500 annually but some people are saying it’s $1k. Took me a couple of weeks after the official start of benefits date to get my card and access to anthem after I started. Members Online So close to quitting my job Get the Reddit app Scan this QR code to download the app now Go to deloitte r/deloitte. stress management, quick thinking and analysis, and time segmentation) and brand reputation. The contract for this position is 5 years, after which there is no guarantee of continued employment. reReddit: Top posts of November 20, 2022. I think there could be added benefits for you being on Deloitte’s insurance. : Health, Vision, Dental and 401k? Any idea on what approx. The work will be same same wherever you go, but EY has better benefits and at least acts like they care about their people. 105k countered much higher, they increased 3k. The benefits were a big reason I went with EY. Hey all, Since Deloitte is a Tax firm I was just curious if they offered any free services or benefits to employees for personal tax filing. Booz is pretty traditional. Both will treat interns like Queens/Kings. I was wondering about the work life balance-- I've read some other posts on the subreddit, and it seems like it is a mixed bag. Suit n ties. Benefits wise, I know Deloitte is pretty on par with the other Big 4 so can't fault them for that. Im still in networking/cyber security. One has left Deloitte and the second one is still working there as a Data scientist. As someone who left EY for Deloitte, I think EY is a much better place. Core > USDC > PDM We are bottom of the barrel, they try to sell it to you and say you don’t have to do firm initiatives but you have to bill around 45 hours a week to take all your PTO, utilization is not adjusted so everything counts against us, we get paid less, the highest level you can reach is senior manager equivalent, benefits are not only more expensive but they also suck, 2 weeks of Unfortunately, the answer to most of the questions on this sub always starts with “depends on…”. pdf. As a rule, you have a better chance of achieving work-life balance in GPS than you would in commercial. Posted by u/trynapass00 - 1 vote and 3 comments Deloitte refers to one or more of Deloitte Touche Tohmatsu Limited, a UK private company limited by guarantee ("DTTL"), its network of member firms, and their related entities. Anyone have insight on how benefits are under the Deloitte health plans? For HDHPs (high deductible plans) how much are routine prescription costs? They say everything is out of pocket until deductible is met, so how much is expected to be paid for simple prescriptions like antibiotics Browsing the Deloitte career benefit page, Deloitte touts it’s benefits but fails to highlight the discrepancies between talent models. Hi, I can only speak in behalf of the audit and assurance arm of the Big 4 (interned in one and currently working in another), the only pros I can give you is great overall training (i. Yes, if your kid is sick, you call the 800 number. Between medical/vision/dental I pay about $135 every two weeks. different. Unlike the experience of u/GraciasATL, I am on a project that is capped at 40 hours per week, and you need approval to work more (it's a large, fixed price contract). We aren’t required to work firm initiatives so work life balance is almost always better because we are only doing client work. Has anyone else used their ivf benefits and have a recommendation on which insurance plan is best? Thank you! r/deloitte Community for people who work for Deloitte (or any of its partner firms). Reddit . You're definitely going to be working hard and overtime, but a lot of the time, it is worth it due to the growth and variety of experien An unofficial, casual place for State of California Workers, Union Members, Prospective Employees, and other people interested in State employment to discuss news, events and other items. Equity partners are what you’re referring to, where compensation is based on a variety of factors ranging from personal performance in terms of file recovery and profitability, service line performance, location Anyone know if Deloitte offers any benefits for contract positions in Canada? Deloitte has offered a contract position to me and they only mentioned the base pay. Deloitte Intern here: I’ve been asking around, these are pretty much the benefits you get starting out 401k - Garbage match $500 supplemental health subsidy/year (literally anything you can think of, a person at our office bought snowboard equipment) Big 4 all share salary information with third party provider to collate the data in order to fix wages of the workers. Thanks! So I know two guys with respect to Deloitte USI. Post any questions you have, there are lots of redditors with admissions knowledge waiting to help. Any idea of the impact or risk to this? It mentions the next step will be to submit this matter to the Ethics & Compliance group for further evaluation… Share Add a Comment The community for Old School RuneScape discussion on Reddit. Joining Deloitte GPS as a Project Specialist and I've been reading some of the stuff being said about the PDM side of Deloitte and it seems like I made a bad decision. Reproductive health resource guide includes an overview of the available benefits and programs to help support you and your family through every step Hello All! I just received an offer to join Deloitte (US, Midwest), and was hoping anyone had some insight on their benefits and the cost. From health benefits to flexible work arrangements, and international opportunities to insurance, you can build the plan that works for you. I called 1-800-Deloitte and they said it takes them weeks after you set up your benefits. The type of work and its environment really depends on your team and project. Since they are so different one would be suited for only one of them. Members Online congratulations on your internship!! don’t listen to some of these comments, a big 4 is an amazing place to start your career. It’s very cheap, maybe $7/month? Almost nothing. I am currently thinking of how to best take advantage of the 3 different subsidies Deloitte provides its employees (Wellbeing, WFH, and Commute). Sep 8, 2021 · I started at Deloitte 6 weeks ago and I started to navigate some of the perks we get as Deloitte-ites here in the USA. Is anyone familiar with this type of career path? If so, how difficult is it to network and be onboarded for other projects? 26K subscribers in the deloitte community. Members Online Yes and health insurance and there’s a work from home benefit one time payout as well which spans from gardening to AirPods. Being in deloitte audit will give you almost 0 advantage into switching to deloitte consulting over being at any other big 4. Leaning towards benefits being offered? The internship is for 3 months. Additionally, when asking recruiters at other companies the brag about the 401 and health benefits while trying to get you to accept. The other common approach I see here is follow the money until you reach some financial goals then exit to industry or smaller orgs that can give you Immerse yourself in a universe of benefits within the American Express community. Title says it all. I'm planning to utilize their ivf benefits this year. You will be pegged to someone's hierarchy in Outlook. You shouldn't need to be stuck with one manager and one project, even one department, but you should have a habit of continuous learning, excellent leadership skills, and Great client delivery. S firms provide their employees with benefits such as $500 dollars for WFH tech or $1000 well-being fund. I can choose to, but I don't have to. Community for people who work for Deloitte (or any of its partner firms). Members Online With Deloitte's card you can sign up for membership rewards for $90 per year but they don't cover it. Deloitte India is a P&L in itself. This is NOT an officially supported forum, and is primarily for informal discussion between employees. Project Delivery Lead here supporting the DoD. The problem with the high deduct is if you go ski and break your leg. New comments cannot be posted and votes cannot be cast. It all depends on your location and home airport. Members Online Deloitte Graduate Program Fertility benefits/assistance? My wife and I are likely going to need IVF to have a child. I have essentially no complaints, but it varies by business line I’d think. I just wanted to know few perks and benefits of working in Deloitte. Welcome to r/Big4, a place to discuss everything related to the Big 4 accounting firms: PwC, Deloitte, EY, & KPMG. Wills/Trusts are called “Estate Planning. I feel they have better benefits and resources (but been a while since I left). Listen, I am also in C&M and I am not the highest on Deloitte right now. Does Deloitte match up to a certain percentage? I love it. Does Deloitte Canada, give gym membership benefits? Do you they give it even if you are an intern? Reddit . Noticing a lot of people are being laid off. I mean, this is a consulting sub so follow the money… but I’d include converting non-monetary benefits into what they are worth to you. They're both level 2. As meknoid333 said it varies wildly and no one can speak to anything but their own very specific country/role/position. DTTL and each of its member firms are legally separate and independent entities. I called anthem and they said they hadn’t received anything from Deloitte. New grad; currently reviewing offer with Deloitte. People who have totally satisfying, average work experiences at Deloitte are not going to feel compelled to come here and post about it. Salaries/benefits aside, I have read horror stories about USDC, PDM, and Core with comments about wrap rates being super low for some and others with high wraps due to proposal work and initiatives. The Pension is a cash balance plan, so best to think of it as additional employer contributions to your 401k. Reply reply Deloitte based hourly rates on 2,080 annual hours. I was wondering, the core plan provided is so pathetic that most of $130… I am PDM, yes benefits and career trajectory are different but in my opinion they are just that. Members Online • Ok-Classic-8358 . Pretty sure they pay 6% vacation pay but unsure if any other benefits are provided. and it’s got the understanding that you’ll get some knowledge from it which you’ll be able to apply towards your work. Firm wise; Deloitte is more preppy. ” I’m looking to join Deloitte to do Fed work but cannot make heads or tails of what group is best for me. Dec 31, 2021 · Deloitte matches $0. It's that time of the year where we need to register for health coverage. Health, vision, and dental, 401k, wellness fund, therapy sessions, life insurance, etc. Seems that a majority of U. ) So yes. Deloitte Employee Discounts/Benefits Does anyone know where to find more information on employee discounts we can take advantage of as Deloitte employees. GPS Project Delivery Lead checking in. Any one who has unfortunately gone down this path know: How many hours of PTO they pay you out for if you have excess days? Insight on severance and how long health benefits last post termination? 4 days ago · 1,310 reviews from Deloitte employees about Pay & Benefits UI Benefits Is anyone here familiar with the unemployment process? I am a C1 preparing for the worst and I am afraid that if push comes to shove, my 4 late time sheets and 2 first escalations in MCD for trainings would make me ineligible for collecting unemployment and I am so nervous I cant eat or sleep thinking about it. I don't have to do sales-y stuff or participate in the rat race. My current firm pays all monthly premiums for medical/dental/vision, so I’m factoring that into my decision for overall compensation. I wish I had known a month ago when I started this process. Deloitte refers to one or more of Deloitte Touche Tohmatsu Limited, a UK private company limited by guarantee ("DTTL"), its network of member firms, and their related entities. zgwos qntkk wdhfgc wde zrzksi diido cfoz ofydk hjrkiab nwnpbi