Meeting Schedule for 2025 Spring National Meeting
All meetings for in-person attendees are in local Indianapolis time (EDT)
Saturday, 3/22/2025
8:00 AM - 4:30 PM EDT
JW Marriott Indianapolis—JW Grand 1–4—Level 3
Additional Times (Virtual Attendees):
5:00 AM - 1:30 PM PDT |
6:00 AM - 2:30 PM MDT |
7:00 AM - 3:30 PM CDT
| Agenda | Materials | Summary |
Sunday, 3/23/2025
7:00 AM - 9:00 AM EDT
JW Marriott Indianapolis—JW Griffin Hall—Level 2
Additional Times (Virtual Attendees):
4:00 AM - 6:00 AM PDT |
5:00 AM - 7:00 AM MDT |
6:00 AM - 8:00 AM CDT
(Regulator Only)
Sunday, 3/23/2025
8:00 AM - 9:00 AM EDT
Indianapolis Marriott Downtown—Marriott Ballroom 9–10—Level 2
Additional Times (Virtual Attendees):
5:00 AM - 6:00 AM PDT |
6:00 AM - 7:00 AM MDT |
7:00 AM - 8:00 AM CDT
(Regulator Only)
Sunday, 3/23/2025
8:00 AM - 10:00 AM EDT
JW Marriott Indianapolis—JW Grand 1–4—Level 3
Additional Times (Virtual Attendees):
5:00 AM - 7:00 AM PDT |
6:00 AM - 8:00 AM MDT |
7:00 AM - 9:00 AM CDT
| Agenda | Materials | Summary |
Sunday, 3/23/2025
8:00 AM - 10:00 AM EDT
JW Marriott Indianapolis—JW White River A–E—Level 1
Additional Times (Virtual Attendees):
5:00 AM - 7:00 AM PDT |
6:00 AM - 8:00 AM MDT |
7:00 AM - 9:00 AM CDT
(Regulator Only) This is a regulator-only session because the discussion or action contemplated will include: specific companies, entities, or individuals, including, but not limited to, collaborative financial and market conduct examinations and analysis.
Sunday, 3/23/2025
9:00 AM - 10:30 AM EDT
JW Marriott Indianapolis—JW White River F–J—Level 1
Additional Times (Virtual Attendees):
6:00 AM - 7:30 AM PDT |
7:00 AM - 8:30 AM MDT |
8:00 AM - 9:30 AM CDT
(Regulator Only) This is a regulator-only session because the discussion or action contemplated will include: internal or administrative matters of the VsportVÌåÓý or any VsportVÌåÓý member, including budget, personnel, and contractual matters, as well as consideration of internal administration of the VsportVÌåÓý, including, but not limited to by the Internal Administration (EX1) Subcommittee or any subgroup appointed thereunder.
Sunday, 3/23/2025
10:00 AM - 11:30 AM EDT
JW Marriott Indianapolis—JW White River A–E—Level 1
Additional Times (Virtual Attendees):
7:00 AM - 8:30 AM PDT |
8:00 AM - 9:30 AM MDT |
9:00 AM - 10:30 AM CDT
(Regulator Only)
Sunday, 3/23/2025
10:30 AM - 12:30 PM EDT
JW Marriott Indianapolis—JW Grand 1–4—Level 3
Additional Times (Virtual Attendees):
7:30 AM - 9:30 AM PDT |
8:30 AM - 10:30 AM MDT |
9:30 AM - 11:30 AM CDT
(Regulator Only) This is a regulator-only session because the discussion or action contemplated will include: specific companies, entities, or individuals, including, but not limited to, collaborative financial and market conduct examinations and analysis.
Sunday, 3/23/2025
11:00 AM - 12:30 PM EDT
Indianapolis Marriott Downtown—Marriott Ballroom 5—Level 2
Additional Times (Virtual Attendees):
8:00 AM - 9:30 AM PDT |
9:00 AM - 10:30 AM MDT |
10:00 AM - 11:30 AM CDT
(Regulator Only)
Sunday, 3/23/2025
11:00 AM - 1:00 PM EDT
JW Marriott Indianapolis—JW Griffin Hall—Level 2
Additional Times (Virtual Attendees):
8:00 AM - 10:00 AM PDT |
9:00 AM - 11:00 AM MDT |
10:00 AM - 12:00 PM CDT
(Regulator Only)
Sunday, 3/23/2025
12:45 PM - 2:15 PM EDT
JW Marriott Indianapolis—JW Grand 5–10—Level 3
Additional Times (Virtual Attendees):
9:45 AM - 11:15 AM PDT |
10:45 AM - 12:15 PM MDT |
11:45 AM - 1:15 PM CDT
| Agenda | Materials | Summary |
Sunday, 3/23/2025
1:00 PM - 2:30 PM EDT
JW Marriott Indianapolis—JW White River A–E—Level 1
Additional Times (Virtual Attendees):
10:00 AM - 11:30 AM PDT |
11:00 AM - 12:30 PM MDT |
12:00 PM - 1:30 PM CDT
(Regulator Only) This is a regulator-only session because the discussion or action contemplated will include: specific companies, entities, or individuals, including, but not limited to, collaborative financial and market conduct examinations and analysis.
Sunday, 3/23/2025
2:00 PM - 4:00 PM EDT
JW Marriott Indianapolis—JW Grand 1–4—Level 3
Additional Times (Virtual Attendees):
11:00 AM - 1:00 PM PDT |
12:00 PM - 2:00 PM MDT |
1:00 PM - 3:00 PM CDT
(Regulator Only) This is a regulator-only session because the discussion or action contemplated will include: specific companies, entities, or individuals, including, but not limited to, collaborative financial and market conduct examinations and analysis.
Sunday, 3/23/2025
2:30 PM - 5:30 PM EDT
JW Marriott Indianapolis—JW Grand 5–10—Level 3
Additional Times (Virtual Attendees):
11:30 AM - 2:30 PM PDT |
12:30 PM - 3:30 PM MDT |
1:30 PM - 4:30 PM CDT
(Regulator Only) This is a regulator-only session because the discussion or action contemplated will include: consideration of individual state insurance departments’ compliance with VsportVÌåÓý financial regulation standards by the Financial Regulation Standards and Accreditation (F) Committee or any subgroup appointed thereunder.
Sunday, 3/23/2025
3:30 PM - 5:00 PM EDT
JW Marriott Indianapolis—JW White River A–E—Level 1
Additional Times (Virtual Attendees):
12:30 PM - 2:00 PM PDT |
1:30 PM - 3:00 PM MDT |
2:30 PM - 4:00 PM CDT
| Agenda | Materials | Summary |
Sunday, 3/23/2025
4:00 PM - 5:00 PM EDT
JW Marriott Indianapolis—JW Grand 1–4—Level 3
Additional Times (Virtual Attendees):
1:00 PM - 2:00 PM PDT |
2:00 PM - 3:00 PM MDT |
3:00 PM - 4:00 PM CDT
(Regulator Only) This is a regulator-only session because the discussion or action contemplated will include: specific companies, entities, or individuals, including, but not limited to, collaborative financial and market conduct examinations and analysis.
Monday, 3/24/2025
7:00 AM - 9:00 AM EDT
JW Marriott Indianapolis—JW Griffin Hall—Level 2
Additional Times (Virtual Attendees):
4:00 AM - 6:00 AM PDT |
5:00 AM - 7:00 AM MDT |
6:00 AM - 8:00 AM CDT
(Regulator Only)
Monday, 3/24/2025
7:45 AM - 9:00 AM EDT
JW Marriott Indianapolis—JW White River A–E—Level 1
Additional Times (Virtual Attendees):
4:45 AM - 6:00 AM PDT |
5:45 AM - 7:00 AM MDT |
6:45 AM - 8:00 AM CDT
| Agenda | Materials | Summary |
Monday, 3/24/2025
8:00 AM - 9:00 AM EDT
Indianapolis Marriott Downtown—Marriott - Santa Fe—Level 2
Monday, 3/24/2025
8:00 AM - 9:30 AM EDT
JW Marriott Indianapolis—JW White River F–J—Level 1
Additional Times (Virtual Attendees):
5:00 AM - 6:30 AM PDT |
6:00 AM - 7:30 AM MDT |
7:00 AM - 8:30 AM CDT
| Agenda | Materials | Summary |
Monday, 3/24/2025
9:00 AM - 11:30 AM EDT
JW Marriott Indianapolis—JW Grand 5–10—Level 3
Additional Times (Virtual Attendees):
6:00 AM - 8:30 AM PDT |
7:00 AM - 9:30 AM MDT |
8:00 AM - 10:30 AM CDT
(Regulator Only)
Monday, 3/24/2025
9:30 AM - 10:30 AM EDT
JW Marriott Indianapolis—JW White River F–J—Level 1
Additional Times (Virtual Attendees):
6:30 AM - 7:30 AM PDT |
7:30 AM - 8:30 AM MDT |
8:30 AM - 9:30 AM CDT
| Agenda | Materials | Summary |
Monday, 3/24/2025
10:30 AM - 12:00 PM EDT
JW Marriott Indianapolis—JW White River F–J—Level 1
Additional Times (Virtual Attendees):
7:30 AM - 9:00 AM PDT |
8:30 AM - 10:00 AM MDT |
9:30 AM - 11:00 AM CDT
| Agenda | Materials | Summary |
Monday, 3/24/2025
11:00 AM - 1:00 PM EDT
JW Marriott Indianapolis—JW Griffin Hall—Level 2
Additional Times (Virtual Attendees):
8:00 AM - 10:00 AM PDT |
9:00 AM - 11:00 AM MDT |
10:00 AM - 12:00 PM CDT
(Regulator Only)
Monday, 3/24/2025
11:30 AM - 12:45 PM EDT
JW Marriott Indianapolis—JW White River A–E—Level 1
Additional Times (Virtual Attendees):
8:30 AM - 9:45 AM PDT |
9:30 AM - 10:45 AM MDT |
10:30 AM - 11:45 AM CDT
| Agenda | Materials | Summary |
Monday, 3/24/2025
1:00 PM - 2:00 PM EDT
JW Marriott Indianapolis—JW Grand 5–10—Level 3
Additional Times (Virtual Attendees):
10:00 AM - 11:00 AM PDT |
11:00 AM - 12:00 PM MDT |
12:00 PM - 1:00 PM CDT
Monday, 3/24/2025
2:15 PM - 3:45 PM EDT
JW Marriott Indianapolis—JW White River A–E—Level 1
Additional Times (Virtual Attendees):
11:15 AM - 12:45 PM PDT |
12:15 PM - 1:45 PM MDT |
1:15 PM - 2:45 PM CDT
| Agenda | Materials | Summary |
Monday, 3/24/2025
2:15 PM - 4:15 PM EDT
JW Marriott Indianapolis—JW White River F–J—Level 1
Additional Times (Virtual Attendees):
11:15 AM - 1:15 PM PDT |
12:15 PM - 2:15 PM MDT |
1:15 PM - 3:15 PM CDT
| Agenda | Materials | Summary |
Monday, 3/24/2025
3:30 PM - 4:30 PM EDT
JW Marriott Indianapolis—JW Grand 5–10—Level 3
Additional Times (Virtual Attendees):
12:30 PM - 1:30 PM PDT |
1:30 PM - 2:30 PM MDT |
2:30 PM - 3:30 PM CDT
| Agenda | Materials | Summary |
Monday, 3/24/2025
4:00 PM - 5:00 PM EDT
JW Marriott Indianapolis—JW Grand 1–4—Level 3
Additional Times (Virtual Attendees):
1:00 PM - 2:00 PM PDT |
2:00 PM - 3:00 PM MDT |
3:00 PM - 4:00 PM CDT
(Regulator Only)
Monday, 3/24/2025
4:30 PM - 5:15 PM EDT
JW Marriott Indianapolis—JW Grand 5–10—Level 3
Additional Times (Virtual Attendees):
1:30 PM - 2:15 PM PDT |
2:30 PM - 3:15 PM MDT |
3:30 PM - 4:15 PM CDT
Monday, 3/24/2025
5:30 PM - 6:30 PM EDT
Indianapolis Marriott Downtown—Marriott Ballroom 7–10—Level 2
Additional Times (Virtual Attendees):
2:30 PM - 3:30 PM PDT |
3:30 PM - 4:30 PM MDT |
4:30 PM - 5:30 PM CDT
(Regulator Only)
Monday, 3/24/2025
5:30 PM - 6:30 PM EDT
JW Marriott Indianapolis—JW 201–203—Level 2
Additional Times (Virtual Attendees):
2:30 PM - 3:30 PM PDT |
3:30 PM - 4:30 PM MDT |
4:30 PM - 5:30 PM CDT
(Regulator Only)
Monday, 3/24/2025
5:30 PM - 6:30 PM EDT
JW Marriott Indianapolis—JW 103–104—Level 1
Additional Times (Virtual Attendees):
2:30 PM - 3:30 PM PDT |
3:30 PM - 4:30 PM MDT |
4:30 PM - 5:30 PM CDT
(Regulator Only)
Monday, 3/24/2025
5:30 PM - 6:30 PM EDT
Indianapolis Marriott Downtown—Marriott Ballroom 1–4—Level 2
Additional Times (Virtual Attendees):
2:30 PM - 3:30 PM PDT |
3:30 PM - 4:30 PM MDT |
4:30 PM - 5:30 PM CDT
(Regulator Only)
Monday, 3/24/2025
6:30 PM - 7:30 PM EDT
JW Marriott Indianapolis—JW Griffin Hall—Level 2
Additional Times (Virtual Attendees):
3:30 PM - 4:30 PM PDT |
4:30 PM - 5:30 PM MDT |
5:30 PM - 6:30 PM CDT
Tuesday, 3/25/2025
7:00 AM - 9:00 AM EDT
JW Marriott Indianapolis—JW Griffin Hall—Level 2
Additional Times (Virtual Attendees):
4:00 AM - 6:00 AM PDT |
5:00 AM - 7:00 AM MDT |
6:00 AM - 8:00 AM CDT
(Regulator Only)
Tuesday, 3/25/2025
8:00 AM - 9:00 AM EDT
JW Marriott Indianapolis—JW Grand 1–4—Level 3
Additional Times (Virtual Attendees):
5:00 AM - 6:00 AM PDT |
6:00 AM - 7:00 AM MDT |
7:00 AM - 8:00 AM CDT
| Agenda | Materials | Summary |
Tuesday, 3/25/2025
8:00 AM - 9:00 AM EDT
JW Marriott Indianapolis—JW Grand 5–10—Level 3
Additional Times (Virtual Attendees):
5:00 AM - 6:00 AM PDT |
6:00 AM - 7:00 AM MDT |
7:00 AM - 8:00 AM CDT
| Agenda | Materials | Summary |
Tuesday, 3/25/2025
8:00 AM - 9:00 AM EDT
JW Marriott Indianapolis—JW White River A–E—Level 1
Additional Times (Virtual Attendees):
5:00 AM - 6:00 AM PDT |
6:00 AM - 7:00 AM MDT |
7:00 AM - 8:00 AM CDT
(Regulator Only)
Tuesday, 3/25/2025
8:30 AM - 9:30 AM EDT
Indianapolis Marriott Downtown—Marriott - Santa Fe—Level 2
Tuesday, 3/25/2025
9:00 AM - 9:30 AM EDT
JW Marriott Indianapolis—JW White River F–J—Level 1
Additional Times (Virtual Attendees):
6:00 AM - 6:30 AM PDT |
7:00 AM - 7:30 AM MDT |
8:00 AM - 8:30 AM CDT
| Agenda | Materials | Summary |
Tuesday, 3/25/2025
9:00 AM - 10:30 AM EDT
JW Marriott Indianapolis—JW Grand 1–4—Level 3
Additional Times (Virtual Attendees):
6:00 AM - 7:30 AM PDT |
7:00 AM - 8:30 AM MDT |
8:00 AM - 9:30 AM CDT
| Agenda | Materials | Summary |
Tuesday, 3/25/2025
9:30 AM - 10:30 AM EDT
JW Marriott Indianapolis—JW White River A–E—Level 1
Additional Times (Virtual Attendees):
6:30 AM - 7:30 AM PDT |
7:30 AM - 8:30 AM MDT |
8:30 AM - 9:30 AM CDT
| Agenda | Materials | Summary |
Tuesday, 3/25/2025
10:00 AM - 11:00 AM EDT
JW Marriott Indianapolis—JW Grand 5–10—Level 3
Additional Times (Virtual Attendees):
7:00 AM - 8:00 AM PDT |
8:00 AM - 9:00 AM MDT |
9:00 AM - 10:00 AM CDT
| Agenda | Materials | Summary |
Tuesday, 3/25/2025
11:00 AM - 1:00 PM EDT
JW Marriott Indianapolis—JW Griffin Hall—Level 2
Additional Times (Virtual Attendees):
8:00 AM - 10:00 AM PDT |
9:00 AM - 11:00 AM MDT |
10:00 AM - 12:00 PM CDT
(Regulator Only)
Tuesday, 3/25/2025
11:00 AM - 12:00 PM EDT
JW Marriott Indianapolis—JW White River A–E—Level 1
Additional Times (Virtual Attendees):
8:00 AM - 9:00 AM PDT |
9:00 AM - 10:00 AM MDT |
10:00 AM - 11:00 AM CDT
| Agenda | Materials | Summary |
Tuesday, 3/25/2025
11:00 AM - 11:30 AM EDT
JW Marriott Indianapolis—JW Grand 1–4—Level 3
Additional Times (Virtual Attendees):
8:00 AM - 8:30 AM PDT |
9:00 AM - 9:30 AM MDT |
10:00 AM - 10:30 AM CDT
| Agenda | Materials | Summary |
Tuesday, 3/25/2025
11:30 AM - 12:15 PM EDT
JW Marriott Indianapolis—JW Grand 1–4—Level 3
Additional Times (Virtual Attendees):
8:30 AM - 9:15 AM PDT |
9:30 AM - 10:15 AM MDT |
10:30 AM - 11:15 AM CDT
| Agenda | Materials | Summary | Minutes |
Tuesday, 3/25/2025
12:30 PM - 1:00 PM EDT
JW Marriott Indianapolis—JW Grand 1–4—Level 3
Additional Times (Virtual Attendees):
9:30 AM - 10:00 AM PDT |
10:30 AM - 11:00 AM MDT |
11:30 AM - 12:00 PM CDT
(Regulator Only) This is a regulator-only session because the discussion or action contemplated include: consideration of strategic planning issues relating to federal legislative and regulatory matters or international regulatory matters.
Tuesday, 3/25/2025
1:00 PM - 2:00 PM EDT
JW Marriott Indianapolis—JW White River F–J—Level 1
Additional Times (Virtual Attendees):
10:00 AM - 11:00 AM PDT |
11:00 AM - 12:00 PM MDT |
12:00 PM - 1:00 PM CDT
| Agenda | Materials | Summary |
Tuesday, 3/25/2025
1:15 PM - 2:15 PM EDT
JW Marriott Indianapolis—JW Grand 5–10—Level 3
Additional Times (Virtual Attendees):
10:15 AM - 11:15 AM PDT |
11:15 AM - 12:15 PM MDT |
12:15 PM - 1:15 PM CDT
| Agenda | Materials | Summary |
Tuesday, 3/25/2025
1:30 PM - 2:30 PM EDT
JW Marriott Indianapolis—JW Grand 1–4—Level 3
Additional Times (Virtual Attendees):
10:30 AM - 11:30 AM PDT |
11:30 AM - 12:30 PM MDT |
12:30 PM - 1:30 PM CDT
| Agenda | Materials | Summary |
Tuesday, 3/25/2025
2:30 PM - 3:30 PM EDT
JW Marriott Indianapolis—JW Grand 5–10—Level 3
Additional Times (Virtual Attendees):
11:30 AM - 12:30 PM PDT |
12:30 PM - 1:30 PM MDT |
1:30 PM - 2:30 PM CDT
| Agenda | Materials | Summary |
Tuesday, 3/25/2025
3:00 PM - 4:30 PM EDT
JW Marriott Indianapolis—JW Grand 1–4—Level 3
Additional Times (Virtual Attendees):
12:00 PM - 1:30 PM PDT |
1:00 PM - 2:30 PM MDT |
2:00 PM - 3:30 PM CDT
(Regulator Only) This is a regulator-only session because the discussion or action contemplated will include: specific companies, entities, or individuals, including, but not limited to, collaborative financial and market conduct examinations and analysis.
Tuesday, 3/25/2025
3:30 PM - 4:30 PM EDT
Indianapolis Marriott Downtown—Marriott - Santa Fe—Level 2
Additional Times (Virtual Attendees):
12:30 PM - 1:30 PM PDT |
1:30 PM - 2:30 PM MDT |
2:30 PM - 3:30 PM CDT
(Regulator Only)
Tuesday, 3/25/2025
4:00 PM - 5:00 PM EDT
JW Marriott Indianapolis—JW White River F–J—Level 1
Additional Times (Virtual Attendees):
1:00 PM - 2:00 PM PDT |
2:00 PM - 3:00 PM MDT |
3:00 PM - 4:00 PM CDT
(Regulator Only)
Tuesday, 3/25/2025
4:30 PM - 6:00 PM EDT
Indianapolis Marriott Downtown—Marriott - Lincoln—Level 2
Additional Times (Virtual Attendees):
1:30 PM - 3:00 PM PDT |
2:30 PM - 4:00 PM MDT |
3:30 PM - 5:00 PM CDT
(Regulator Only)
Tuesday, 3/25/2025
5:00 PM - 6:15 PM EDT
JW Marriott Indianapolis—JW White River F–J Foyer—Level 1
Additional Times (Virtual Attendees):
2:00 PM - 3:15 PM PDT |
3:00 PM - 4:15 PM MDT |
4:00 PM - 5:15 PM CDT
(Regulator Only)
Wednesday, 3/26/2025
7:00 AM - 9:00 AM EDT
JW Marriott Indianapolis—JW Griffin Hall—Level 2
Additional Times (Virtual Attendees):
4:00 AM - 6:00 AM PDT |
5:00 AM - 7:00 AM MDT |
6:00 AM - 8:00 AM CDT
(Regulator Only)
Wednesday, 3/26/2025
8:00 AM - 8:45 AM EDT
JW Marriott Indianapolis—JW Grand 5–10—Level 3
Additional Times (Virtual Attendees):
5:00 AM - 5:45 AM PDT |
6:00 AM - 6:45 AM MDT |
7:00 AM - 7:45 AM CDT
| Agenda | Materials | Summary |
Wednesday, 3/26/2025
9:00 AM - 10:15 AM EDT
JW Marriott Indianapolis—JW White River A–E—Level 1
Additional Times (Virtual Attendees):
6:00 AM - 7:15 AM PDT |
7:00 AM - 8:15 AM MDT |
8:00 AM - 9:15 AM CDT
| Agenda | Materials | Summary |
Wednesday, 3/26/2025
10:30 AM - 11:45 AM EDT
JW Marriott Indianapolis—JW White River F–J—Level 1
Additional Times (Virtual Attendees):
7:30 AM - 8:45 AM PDT |
8:30 AM - 9:45 AM MDT |
9:30 AM - 10:45 AM CDT
| Agenda | Materials | Summary |
Wednesday, 3/26/2025
10:30 AM - 11:45 AM EDT
JW Marriott Indianapolis—JW Grand 5–10—Level 3
Additional Times (Virtual Attendees):
7:30 AM - 8:45 AM PDT |
8:30 AM - 9:45 AM MDT |
9:30 AM - 10:45 AM CDT
| Agenda | Materials | Summary |
Wednesday, 3/26/2025
11:00 AM - 1:00 PM EDT
JW Marriott Indianapolis—JW Griffin Hall—Level 2
Additional Times (Virtual Attendees):
8:00 AM - 10:00 AM PDT |
9:00 AM - 11:00 AM MDT |
10:00 AM - 12:00 PM CDT
(Regulator Only)
Wednesday, 3/26/2025
12:00 PM - 1:15 PM EDT
JW Marriott Indianapolis—JW Grand 5–10—Level 3
Additional Times (Virtual Attendees):
9:00 AM - 10:15 AM PDT |
10:00 AM - 11:15 AM MDT |
11:00 AM - 12:15 PM CDT
| Agenda | Materials | Summary |
Wednesday, 3/26/2025
1:30 PM - 3:00 PM EDT
JW Marriott Indianapolis—JW White River A–E—Level 1
Additional Times (Virtual Attendees):
10:30 AM - 12:00 PM PDT |
11:30 AM - 1:00 PM MDT |
12:30 PM - 2:00 PM CDT
| Agenda | Materials | Summary |
Wednesday, 3/26/2025
3:15 PM - 4:45 PM EDT
JW Marriott Indianapolis—JW Grand 5–10—Level 3
Additional Times (Virtual Attendees):
12:15 PM - 1:45 PM PDT |
1:15 PM - 2:45 PM MDT |
2:15 PM - 3:45 PM CDT
| Agenda | Materials | Summary |