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Frame The Importance of

Commercial Truck Insurance in Maryville, TN

  • Let's face it - truckers in America have always been the backbone of our great country. They still are in modern times. On any given day, thousands of trucks traverse our highways and local roads, delivering goods and products on time so that businesses and consumers have what they need to live life. And while commercial trucking can be an incredibly lucrative way to make a living and put food on the table, it can also be risky and expensive.
  • Whether you're the owner of a fleet, an independent trucker, or have a business that uses big rigs to transport goods, you need commercial trucking insurance to protect you and your client's investments, shield you from liability, and more.
  • That's where working with a reliable truck insurance agency comes into play. Unfortunately, for many commercial truck insurance providers, serving the needs of truckers is low on the proverbial totem pole. At Independence Insurance Agency, nothing could be further from the truth.

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percent The Commercial Truck

Insurance Agency in Maryville, TN You Can Trust

Much like you pride yourself on running a successful trucking business, Independence Insurance Agency prides itself on its years of experience providing truck insurance for hardworking men and women across the country. And in our experience, insurance rates for truckers are just too high - so high, in fact, that they eat away at their bottom line, making it more difficult to run a business and make a profit. Fortunately, at Independence Insurance Agency, we provide truckers the freedom they need from astronomically high insurance rates so they can stay on the road and keep driving America forward.

As one of the most trusted commercial trucking insurance agencies in the U.S., we understand the challenges that you face daily as a trucker. We also know how important it is to protect your business. That's why we go above and beyond to find you the best-priced coverage available, whether you're an operator, own a small fleet, a large fleet, or something in between.

Commercial Truck Insurance Maryville, TN

We Put Truckers First Because Others Don't

 Truck Insurance Maryville, TN

Truckers across the country choose to work with Independence Insurance Agency because we put their needs first before anything else. As experts in transportation insurance, we proudly offer a range of quality insurance products that are both practical and affordable for them. Our industry-leading carriers provide coverage that caters to the unique challenges faced by the trucking industry, ensuring that your business is protected at all times.

At our core, we are committed to finding the best possible price for your coverage without compromising the quality of service you deserve. The truth is, we understand how essential truckers are to the United States and take pride in making their insurance experience more streamlined and affordable.

One way we do so is by simplifying the insurance process. Our transportation specialists take the time to understand your specific needs and budget to tailor a comprehensive plan that works for you. You won't ever have to worry about cookie-cutter plans or uninterested agents when you work with our commercial trucking insurance agency. We take an educational approach to ensure that the entire big rig insurance process is quick, painless, and easy to understand. If there's something you don't understand, we're happy to take the time to explain. After all, the success and safety of your business are on the line.

Looking to the future, we are committed to providing innovative new products that cater to the ever-changing needs of truck drivers. As your one-stop shop for commercial trucking insurance, we are dedicated to your success, one policy at a time.

If you're a commercial trucker looking to ensure your rig, you can rest easy knowing that Independence Insurance Agency provides:

  • Affordable Trucking Insurance Plans for Any Budget
  • Exemplary Customer Service
  • Seasoned Transportation Specialists Who Customize Plans to Your Needs
  • A+ Carriers Across the Country
  • Simple, Easy Quote and Bind Process
  • Multiple Insurance Carriers Quoted to Find You the Best Rates
  • Truck Insurance for New Ventures

Call us or send us a message today to learn more about the best 18-wheeler insurance options for your trucking business.

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Common Types of Big Rig Truck Insurance in Maryville, TN

At Independence Insurance Agency, we offer several types of insurance coverage for local, intermediate, and long-haul trucking needs. Here are just a few categories of trucking insurance coverage that our agency offers.

As the foundation of your insurance policy, liability coverage is required by law in most states in the U.S. It provides coverage for damage or injuries caused to properties or other people if your 18-wheeler is responsible for the crash. Without liability coverage, it's almost impossible to drive a truck or run a trucking business without major legal consequences.

Having physical damage coverage is an essential component that shouldn't be overlooked. This insurance is responsible for covering the expenses related to repairing or replacing your truck in situations such as accidents, theft, vandalism, and other damaging events. By having this coverage, you can rest assured that your business won't be affected significantly by unexpected incidents, and you can continue running your operations smoothly even in challenging times.

For trucking companies, the goods they transport are crucial to their operations. To protect these goods from damage, loss, or theft while in transit, cargo insurance is essential. This coverage provides much-needed peace of mind for both you and your clients, allowing you to reimburse clients for any losses sustained while protecting your reputation and brand identity.

Non-Trucking Liability Insurance is designed to cover property damage or bodily injury that may occur during personal time when the driver/truck is not under dispatch. This coverage can be applied with or without a trailer and is added to a commercial policy as an endorsement.

While Independence Insurance Agency has built a reputation of excellence in serving the needs of truckers, we also offer general liability. Also known as Truckers General Liability, this coverage insures for bodily injuries or property damage that happen due to business activities that are NOT the cause of operating a truck. It covers accidents that occur in parking lots, rest stops, also while loading or unloading. General liability can also cover losses related to theft and vandalism. Most brokers and shippers will require this coverage to work with you.

Bobtail insurance is a type of coverage that is comparable to non-trucking liability, which is designed to offer protection when driving a truck without a trailer attached. This is commonly referred to as "bobtailing." With bobtail insurance, the tractor is covered at all times, even when it is not attached to a trailer, regardless of whether or not the truck is under dispatch.

Trailer interchange insurance is a must-have if you're involved in a trailer interchange agreement. This essential coverage offers protection for trailers owned by other parties that you're using under a contractual agreement. It covers damages caused by collisions, fire, theft, and vandalism, providing assurance to all parties involved.

Curious whether our commercial truck insurance agency in cityname, state offers additional coverage? The following options can be bound in your insurance policy:

  • Business Interruption Insurance
  • Reefer Breakdown Insurance
  • Occupational Accident with Contract Liability Insurance
  • Rental Reimbursement Insurance
  • Underinsured or Uninsured Motorist Insurance
  • Towing Insurance
  • Electronics Insurance
  • Much More

Three plus 3 Safe Driving Tips to

Lower the Cost of Truck Insurance in Maryville, TN

Keeping your drivers safe on the road is crucial not only for their own well-being but also for the safety of other motorists and the financial stability of your business. The Department of Labor has identified the trucking industry as one of the most hazardous sectors in the U.S. In fact, trucking and logistics fleets are known for their high injury and fatality rates. By improving how safely your truckers drive, you can help reduce expenses related to claim payouts, accidents, and insurance premium hikes.

Whether you own a large fleet or you're the owner and operator of a single rig, keep these safe driving tips in mind to help lower your insurance costs.

Implement Preventative Maintenance Plans

Ensuring the safety of your drivers begins with the safety of their vehicles. Trucks and tractor-trailers that do not receive regular maintenance, such as oil and brake pad changes, are more likely to experience breakdowns while on the road. Telematics devices provide real-time insight into engine and odometer data, including fault codes.

This information enables your mechanics to create comprehensive preventative maintenance schedules based on mileage, history of previous breakdowns, days, and more. Additionally, they can receive immediate notifications for critical fault codes. By implementing routine maintenance and proactive repair schedules, you can ensure that your vehicles are in top condition, minimizing the likelihood of breakdowns, which can help reduce the cost of trucker insurance.

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 Trucking Insurance Maryville, TN

Practice Defensive Driving

This approach aims to mitigate the risk of fatal crashes and injuries by proactively identifying and responding to potentially dangerous situations and making informed decisions while driving. By adopting defensive driving techniques, drivers can reduce their likelihood of accidents, thereby minimizing the need for expensive repairs, claim payouts, and increased insurance premiums.

Some of the easiest ways for you or your drivers to practice safe driving include:

  • Be Wary of Blind Spots: Operating a reefer or tractor-trailer means driving high off of the ground, which can make visibility limited, especially in blind spots. To check your blind spot, look over your shoulder and out of your windows while changing lanes.
  • Be Ready for Emergencies on the Road: It's important for drivers to be ready for unexpected situations when driving, especially during long trips. They should be equipped to handle emergencies such as poor driving conditions or big rig breakdowns.
  • Use the Three-Second Rule: Truck drivers should try to maintain a three-second gap between their vehicle and the car in front of them. This means that the truck driver should reach a certain point on the road three seconds after the car in front of them has passed that same point.
  • Always Use Right and Left Turn Indicators: It's important for drivers to always use their turn signals when changing lanes or exiting highways, even if they don't see any other cars around. This is not only required by law, but it also reduces the chances of accidents occurring on the road.
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 Commercial Liability Insurance For Truckers Maryville, TN

Find Ways to Prevent Distracted Driving

According to the Federal Motor Carrier Safety Administration (FMCSA), distracted driving is the primary reason behind truck driver accidents. Any activity that takes a driver's attention away from the road or the steering wheel is considered distracted driving. Distractions can come in various forms, such as eating while driving or gazing at a billboard outside the window. However, the most frequent form of distracted driving is the use of cellphones, specifically texting while driving.

Assuming you or your driver's rigs are equipped with dual-facing cameras, try reviewing footage of an unsafe driving incident. Coach your drivers on ways to correct their unsafe behaviors or look up ways to do so yourself if you're the one operating the big rig. The bottom line is that when your drivers aren't distracted, they drive safer. And when they drive safer, the cost of 18-wheeler insurance in cityname, state can be reduced.

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 Commercial Truck Insurance Quote Maryville, TN

Ensuring the safety of your drivers begins with the safety of their vehicles. Trucks and tractor-trailers that do not receive regular maintenance, such as oil and brake pad changes, are more likely to experience breakdowns while on the road. Telematics devices provide real-time insight into engine and odometer data, including fault codes.

This information enables your mechanics to create comprehensive preventative maintenance schedules based on mileage, history of previous breakdowns, days, and more. Additionally, they can receive immediate notifications for critical fault codes. By implementing routine maintenance and proactive repair schedules, you can ensure that your vehicles are in top condition, minimizing the likelihood of breakdowns, which can help reduce the cost of trucker insurance.

 Low Priced Commercial Truck Insurance Maryville, TN phone Call Now

This approach aims to mitigate the risk of fatal crashes and injuries by proactively identifying and responding to potentially dangerous situations and making informed decisions while driving. By adopting defensive driving techniques, drivers can reduce their likelihood of accidents, thereby minimizing the need for expensive repairs, claim payouts, and increased insurance premiums.

Some of the easiest ways for you or your drivers to practice safe driving include:

  • Be Wary of Blind Spots: Operating a reefer or tractor-trailer means driving high off of the ground, which can make visibility limited, especially in blind spots. To check your blind spot, look over your shoulder and out of your windows while changing lanes.
  • Be Ready for Emergencies on the Road: It's important for drivers to be ready for unexpected situations when driving, especially during long trips. They should be equipped to handle emergencies such as poor driving conditions or big rig breakdowns.
  • Use the Three-Second Rule: Truck drivers should try to maintain a three-second gap between their vehicle and the car in front of them. This means that the truck driver should reach a certain point on the road three seconds after the car in front of them has passed that same point.
  • Always Use Right and Left Turn Indicators: It's important for drivers to always use their turn signals when changing lanes or exiting highways, even if they don't see any other cars around. This is not only required by law, but it also reduces the chances of accidents occurring on the road.
Commercial Truck Insurance Maryville, TN phone Call Now

According to the Federal Motor Carrier Safety Administration (FMCSA), distracted driving is the primary reason behind truck driver accidents. Any activity that takes a driver's attention away from the road or the steering wheel is considered distracted driving. Distractions can come in various forms, such as eating while driving or gazing at a billboard outside the window. However, the most frequent form of distracted driving is the use of cellphones, specifically texting while driving.

Assuming you or your driver's rigs are equipped with dual-facing cameras, try reviewing footage of an unsafe driving incident. Coach your drivers on ways to correct their unsafe behaviors or look up ways to do so yourself if you're the one operating the big rig. The bottom line is that when your drivers aren't distracted, they drive safer. And when they drive safer, the cost of 18-wheeler insurance in cityname, state can be reduced.

 Truck Insurance Maryville, TN phone Call Now

check light FAQs About

Independence Insurance Agency

If you're looking for a commercial trucking insurance agency for your business, chances are you have some questions - and we've got answers. Keep reading to learn more about some of the most commonly asked questions we hear from truckers like you.

Why go with a "jack of all trades" when you can work with specialists who focus exclusively on transportation insurance? We have excellent relationships with major trucking insurance carriers and, as such, can provide the best assistance and reasonable rates.

Typically, companies will look at claims that date back three years or less.

We proudly work with more than 20 carriers to provide our clients with the most advantageous options at competitive prices, catering to the needs of owner-operators and big fleets alike.

Permit filings are typically done by insurance companies on the next business day. Federal (FMCSA) filings are completed online and updated immediately, while some states may take up to three weeks to process.

Independence Insurance Agency: Committed to the Trucking Industry

There's no question about it - you've got to protect your staff, your rig, and your trucking business with insurance. But choosing the right insurance partner isn't always easy. Thankfully, with Independence Insurance Agency by your side, you can rest easy knowing you're covered no matter where the road takes you. If you're in need of a commercial truck insurance agency in Maryville, TN that caters to truckers like you, pick up the phone and contact one of our transportation specialists today. That way, you can get back on the road with confidence tomorrow.

 Trucking Insurance Maryville, TN

Latest News in Maryville, TN

Maryville student aiming for the Air Force Academy earns perfect ACT score

MARYVILLE, Tenn. (WATE) — A Maryville High School football player and upcoming senior earned a perfect score on the ACT. He’s hoping this score will help him achieve his goal of going to the Air Force Academy.Levi French shared that it was his goal to earn the perfect score, but the first time he took the test, he fell short by two points earning a 34. So af...

MARYVILLE, Tenn. (WATE) — A Maryville High School football player and upcoming senior earned a perfect score on the ACT. He’s hoping this score will help him achieve his goal of going to the Air Force Academy.

Levi French shared that it was his goal to earn the perfect score, but the first time he took the test, he fell short by two points earning a 34. So after some more practicing, he tried again in March and earned a perfect score.

“I’m very pleased to have gotten it and it was definitely a goal,” said French. “After I took it the first time and that helped me bring my score up. So, I put a lot of preparation into it,”

French hopes to use his perfect score to help him achieve his dream of attending the Air Force Academy and becoming a fighter pilot. Currently, he is seeking a nomination from Representative Tim Burchett so that he can be considered for admission to the academy.

“I’m seeking a nomination from Congressman Burchett, and so if he gives me a nomination, then I’ll apply to the Academy and then they’ll accept me or not. So, we’ll see,” said French.

One reason, he is aiming to go to the academy is to carry on his family’s legacy. His father, uncle and cousin are all Air Force Academy graduates. His father is a also former F15 pilot for the Air Force and his uncle is a former A10 pilot for the Air Force.

“It would be awesome to carry on the family legacy and I just want to be a warfighter and I want to be a fighter pilot. So, that’s the end goal,” said French.

He is also on the Maryville High School Football Team as a safety. He said being on the team has helped him prepare for a future in the military.

“The academy is really looking for a well-rounded individual and athletics are a big part of life in the military and it’s something I enjoy. It’s definitely made me more disciplined and it’s taught me hard work and to persevere and be tough,” said French.

He also offered some advice for other students looking to earn a perfect score on the ACT.

“If you have an opportunity to take a class, it’s very good because it teaches you how to play the game and that’s what the ACT is. It’s a game that you’ve got to learn to, to play,” said French.

Earning a perfect score is extremely rare, according to Rath Education Group, less than 0.5% of the 1.3 million students who take the ACT earn a perfect score.

Softball Game Recap: Maryville Red Rebels vs. Farragut Admirals

Maryville lost against Farragut back in April of 2023, and unfortunately they wound up with the same result on Thursday. The Maryville Red Rebels fell just short of the Farragut Admirals by a score of 9-7. Maryville has struggled against Farragut recently, as their matchup on Thursday was ...

Maryville lost against Farragut back in April of 2023, and unfortunately they wound up with the same result on Thursday. The Maryville Red Rebels fell just short of the Farragut Admirals by a score of 9-7. Maryville has struggled against Farragut recently, as their matchup on Thursday was their fourth consecutive lost matchup.

Bekah Duck put in work no matter where she played. She struck out 11 batters over 7.1 innings while giving up just two earned (and one unearned) runs off seven hits. Duck was also stellar in the batter's box, going 2-for-4 with a home run, two runs, and a triple.

In other batting news, Kristy McCord was cooking despite her team's loss, scoring a run while going 2-for-5. Another player making a difference was Allie Watson, who went 2-for-4 with two RBI.

Even though they lost, Maryville didn't let batters stay on the plate for long and finished the game with 12 strikeouts. They easily outclassed their opponents in that department as Farragut only tossed seven.

Like Maryville, Farragut also got a great game from a two-way player: Ava Barnes. She looked comfortable on the mound, tossing two innings while giving up no earned runs off two hits (she also didn't allow any walks). Barnes was also big at the plate, going 2-for-2 with two RBI.

In other batting news, Rilee Kate Ragan was incredible, going 2-for-3 with a home run, four RBI, and two runs. Elsa Morrison was another key contributor, getting on base in three of her five plate appearances with a home run.

Maryville's loss dropped their record down to 4-2. As for Farragut, their win was their fifth straight on the road dating back to last season, which pushed their record up to 4-4.

Maryville will be playing at home against Grace Christian Academy at 11:00 a.m. on Saturday. Maryville is strutting in with some hitting muscle, as they've averaged 11.2 runs per game this season. As for Farragut, they will square off against Lawrence County at 1:00 p.m. on Saturday. Farragut's pitching crew has only allowed four runs per game this season, so Lawrence County's hitters will have their work cut out for them.

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Maryville finalizing master plan revitalized downtown area as Blount County population grows

MARYVILLE, Tenn. (WATE) — As more and more people are moving to East Tennessee, Blount County has seen a large amount of growth over the past few years. To accommodate the growth, M...

MARYVILLE, Tenn. (WATE) — As more and more people are moving to East Tennessee, Blount County has seen a large amount of growth over the past few years. To accommodate the growth, Maryville leaders have been working to create a downtown master plan.

In 2023, TSW Design Consultants was brought in to look at opportunities for land use, transportation, economic development, and even public art. They recently completed an eight-month study into downtown Maryville. The recommendations from this study will be used to build the downtown master plan.

On Tuesday, the city held the Final Plan Open House to share more about the project. The consultants shared their recommendations during the event, and city leaders reviewed the plan. It was also one of the last opportunities for the public to share input on these decisions about the future of downtown Maryville.

The plan looks at how to maximize land use and invest in local parks, all while expanding how much foot traffic the city sees. A few of the recommendations include a new central gathering place, new mixed-use facilities, and finding the perfect spots to install new public art.

“There will be big projects and small projects. There will be different organizations that spearhead it. Downtown Marble Alliance may spearhead some. The city may spearhead some. So, we will get together as a group and kind of decide who’s going to be the champion of each of those items. And then we’ll look at what budgets will allow and those things,” said Angie Luckie, public services director for the City of Maryville.

At the open house, plenty of people were eager to learn more about the plan and share their thoughts.

“I’m very excited about the turnout that’s here and I’m glad people are excited about downtown Maryville,” said Luckie.

The city has a website to share updates on the master plan. The city is currently working to finalize the master plan recommendations.

Here's what's being built in Blount County

Business development continues to grow in the Maryville and Alcoa areas.More VideosBLOUNT COUNTY, Tenn. — New businesses are in bloom in Blount County. From the revitalization of an anchor space at Foothills Mall to the reimagination of the Alcoa West Plant, things will soon look different.In Maryville a Chase Bank location will be built in the parking lot that adjoins Harbor Freight Tools and Hobby Lobby, in the Foothills Plaza, said Je...

Business development continues to grow in the Maryville and Alcoa areas.

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BLOUNT COUNTY, Tenn. — New businesses are in bloom in Blount County. From the revitalization of an anchor space at Foothills Mall to the reimagination of the Alcoa West Plant, things will soon look different.

In Maryville a Chase Bank location will be built in the parking lot that adjoins Harbor Freight Tools and Hobby Lobby, in the Foothills Plaza, said Jeff Muir, the Blount Partnership Director of Communications.

He also said crews are building a BJ's Wholesale store, which specializes in selling items in bulk, at the location of the former JC Penney store at Foothills Mall.

Hotel developer Devi Capital, based out of Morristown, will also break ground on a Holiday Inn Downtown hotel in downtown Maryville next week.

Sandip Patel, the owner of Devi Capital, said he's wanted to develop in Maryville for a while.

"I have lived in Morristown for so long, since 1995, so it's kind of like I grew up in the hotel industry," Patel said. "You kind of have a feeling of where to build, what to build. I've had my eyes on Maryville's downtown for a long time. I think it's a good time to build something."

In neighboring Alcoa, several businesses are either in the works or have finished up construction recently, said Emily Assenmacher, Alcoa's Public Information Officer.

"I would say that 2024 is going to be a pretty big year with us in terms of growth, which is super exciting. "Assenmacher said. "There are several businesses that have signed a preliminary letter of intent, but at this time we're not able to disclose any of those."

She also said Springbrook Farm, a multi-use property being built on the former Alcoa West Plant site, is also continuing to grow.

"(Alcoa's) got great amenities, our parks are fantastic and we are looking to increase the space of our parks with Centennial Park in Springbrook (Farm)," Assenmacher said.

Businesses in the works in Alcoa include the University of Tennessee Medical Cancer Center, several apartment complexes, a credit union, a Kickback Jack's restaurant and a nail salon.

Assenmacher said businesses in the Alcoa Marketplace property, like First Watch, The Joint Chiropractic and Chipotle have already opened.

Alcoa residents have asked for certain businesses in their community and Assenmacher said city leaders pay attention to the requests.

"Residents have been speaking about what they want and they need to know they're being heard," she said. "We've heard many times they want more breakfast options, so we are able to work with a business like First Watch to get that here."

Assenmacher said citizens can learn more about new developments in Alcoa by attending the city's Planning Commission meetings. Planning Commission meetings are scheduled for the third Thursday of every month.

She said its location in Blount County makes it attractive to people who want to start businesses in the area.

"Alcoa is perfectly situated with over 70,000 daily trips on both the Pellissippi Parkway and the Alcoa Highway," Assenmacher said. "So prime real estate is available for those 70,000 daily trips that are being made."

Maryville teenager having his Grand Ole Opry debut

KNOXVILLE, Tenn. (WVLT) - Wyatt Ellis is 14 years old and he was born and raised in Maryville, Tennessee. He is someone you need to look out for because he could be the next big bluegrass star.“Man you know writing instrumentals comes really easy to me cause I’ve studied the music so much and it just kind of flows,” said the young musician, Wyatt Ellis.Ellis was only 10 years old when he picked up his first mandolin and the young bluegrass prodigy hasn’t put it down since. Now at the ripe age of 14, he h...

KNOXVILLE, Tenn. (WVLT) - Wyatt Ellis is 14 years old and he was born and raised in Maryville, Tennessee. He is someone you need to look out for because he could be the next big bluegrass star.

“Man you know writing instrumentals comes really easy to me cause I’ve studied the music so much and it just kind of flows,” said the young musician, Wyatt Ellis.

Ellis was only 10 years old when he picked up his first mandolin and the young bluegrass prodigy hasn’t put it down since. Now at the ripe age of 14, he has written around 100 songs that are taking the bluegrass community back to its roots.

“I think it was just right before the pandemic at the beginning of the pandemic when I first heard Bobby Osborne play the mandolin on Rocky Top and that really you know made me want to get a mandolin and start playing. And I did and I heard Bill Monroe and all those other guys who really inspired me to keep going,” said Ellis.

He did just that, put his boots in the ground and got to work. He told WVLT News one of his favorite songs he wrote he thought of it when he was hanging out at his farm, looking over the beautiful Smoky Mountains, and created the song, ‘Blue Smoke’.

In February, Ellis had the opportunity to accompany bluegrass duo, Daily and Vincent, at the Grand Ole Opry in Nashville. From there it led him to being taught by music legend, Bobby Osborne, the man who put Rocky Top on the map.

“I got to spend two years working with Bobby at the Kentucky School of Bluegrass and that was really special to me to get to see him every week on skype you know to get all this advice and stories, but you know to finally get to be a part of his last project is really an honor to me,” Ellis said.

Ellis is some what of an old soul, and being in just the ninth grade, he said playing music was a dream come true.

“It just comes naturally you know just to sit on the couch or on the porch and look at the mountains noodling around on the mandolin and every now and then a tune will pop out,” said Ellis.

On Friday, Ellis is performing for the second time at the Opry, but this time it’s just him on stage for his solo debut.

“It’s really special to me to get to bring some of my own original music to the Grand Ole Opry just like Bill Monroe did in the 30s,” said Ellis.

He said this is only the beginning of his journey. You can check out Wyatt Ellis’s display at the East Tennessee History Center in Downtown Knoxville to learn more about the young bluegrass star.

Copyright 2023 WVLT. All rights reserved.

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