James Brown - State Farm Agency, located in Stone Mountain, GA is currently looking for a talented, caring, professional to join our team as a part-time Licensed Insurance Customer Service Representative. This is a position focused on Customer Service for a well-established State Farm Agent. If you have a talent for customer care and understand the needs and motivations of people, we want you on our team! As our Customer Service Representative, you’ll work to inspire customer loyalty and significantly enhance the overall State Farm Insurance customer experience. Responsibilities include but not limited to: Answer phones and greet clients Establish customer relationships and follow up with customers, as needed Provide prompt, accurate, and friendly customer service. Service can include responding to inquiries regarding insurance availability, eligibility, coverages, policy changes, transfers, claim submissions, and billing clarification Use a customer-focused, needs-based review process to educate customers about insurance options You will receive: Hourly Pay Valuable experience Growth potential/Opportunity for advancement within my office Requirements: Sales experience (outside sales or inside sales representative, retail sales associate, or telemarketing) preferred Excellent communication skills - written, verbal and listening Self-motivated Detail oriented Proactive in problem solving Ability to work in a team environment Ability to assess customer needs and conduct effective interviews Ability to effectively relate to a customer Property Casualty license (required) Life and Health license (required) If you are motivated to succeed and can see yourself in this role, please submit your resume. We will follow up with you on the next steps in the interview process. This position is with a State Farm independent contractor agent, not with State Farm Insurance Companies. Employees of State Farm agents must be able to successfully complete any applicable licensing requirements and training programs. State Farm agents are independent contractors who hire their own employees. State Farm agents’ employees are not employees of State Farm.

Bill Woodruff - State Farm Agency, located in Inglewood, CA has an immediate opening for a full-time Licensed Insurance Sales Representative. A Property & Casualty license or Personal Lines license is required for this role. If you are a motivated self-starter who thrives in a fast-paced environment, then this is your opportunity for a rewarding career with excellent income and growth potential! Please submit your resume and we will follow up with the next steps. Responsibilities include, but not limited to: Develop insurance quotes, makes sales presentations, and close sales. Establish client relationships and follow up with clients, as needed. Develop ongoing networking relationships. Provide prompt, accurate, and friendly client support. Maintain a strong work ethic with a total commitment to success each and every day. Develop new Financial Service opportunities with both existing and new clients. Provide excellent Customer Service daily. Benefits: Base Salary $40,000 - $45,000 Commissions Paid time off - for personal/sick time and vacation Valuable experience Requirements: Property & Casualty license OR Personal Lines license (required).Bilingual a plus! Enthusiasm and belief about the role insurance and financial products play in people’s lives. Excellent communication skills: written, verbal and listening. Must be awesome at opening doors and getting appointments from a cold start.#SMA

Bruce Patteson - State Farm Agency, located in Athens, TN is currently looking for a talented, caring, professional to join our team as a part-time Remote Licensed Customer Service Representative. This is a position focused on Customer Service for a well-established State Farm Agent. If you have a talent for customer care and understand the needs and motivations of people, we want you on our team! As our Customer Service Representative, you’ll work to inspire customer loyalty and significantly enhance the overall State Farm Insurance customer experience. Responsibilities include but not limited to: Answer phones and greet clients Establish customer relationships and follow up with customers, as needed Provide prompt, accurate, and friendly customer service. Service can include responding to inquiries regarding insurance availability, eligibility, coverages, policy changes, transfers, claim submissions, and billing clarification Use a customer-focused, needs-based review process to educate customers about insurance options You will receive: Starting hourly pay $25 per hourWeekly pay on Fridays4-Hour workdays (working 2 days per week)Flexible daysFully remote work from home Requirements: Property Casualty license (required)Life and Health license (required)Previous State Farm experience (required) Excellent communication skills - written, verbal and listening Self-motivated Detail oriented Proactive in problem solving Ability to work in a team environment Ability to assess customer needs and conduct effective interviews Ability to effectively relate to a customer If you are motivated to succeed and can see yourself in this role, please submit your resume. We will follow up with you on the next steps in the interview process. This position is with a State Farm independent contractor agent, not with State Farm Insurance Companies. Employees of State Farm agents must be able to successfully complete any applicable licensing requirements and training programs. State Farm agents are independent contractors who hire their own employees. State Farm agents’ employees are not employees of State Farm.

Insurance Sales Producer – P&C Licensed (Auto & Home)Location: Scottsdale, AZCompensation: Base salary $46,800 – $52,000 + performance bonusesTotal earning potential: $65,000+ based on performanceLicense Required: Active Arizona Property & Casualty (P&C) License (required to apply)Position SummaryMat Herseth State Farm Agency is seeking a motivated Insurance Sales Producer with an active Property & Casualty (P&C) license to generate new business and provide tailored auto and home insurance solutions. This role is ideal for a sales professional who enjoys building relationships, advising clients on coverage options, and growing a book of business within an established agency.This role is ideal for a sales professional who enjoys building relationships, identifying client needs, and growing income through performance-based incentives.About Mat Herseth State Farm AgencyThe Mat Herseth State Farm Agency has proudly served the Scottsdale and Phoenix communities, as well, as clients across Arizona for over 18 years. The agency team focuses on delivering exceptional customer service and building lasting relationships by understanding each client’s unique insurance needs.Our agency provides tailored solutions for auto, home, life, health, and commercial insurance, helping clients make informed coverage decisions.Mat Herseth State Farm Agency offersA collaborative and supportive team environmentBonus and performance-based incentivesOccasional office-provided lunches and team appreciation eventsA culture that supports work-life balanceWhat Success Looks Like in This RoleConsistently generating new auto and home insurance policiesMeeting or exceeding monthly sales production goalsBuilding strong relationships with new and existing clientsIdentifying client needs and recommending appropriate coverage solutionsResponsibilitiesGenerate and close new auto and home insurance policiesFollow up with leads, referrals, and marketing campaignsIdentify coverage gaps and recommend appropriate insurance solutionsEducate clients on policy options and risk protectionMeet or exceed monthly sales production goalsMaintain strong client relationshipsRequirementsActive Arizona Property & Casualty (P&C) insurance license requiredPrior insurance or sales experience preferredStrong communication and relationship-building skillsSelf-motivated with a competitive sales mindsetAbility to work in a goal-oriented sales environmentCompensationBase pay: $22.50 - $25.00 hourly (depending on experience)Performance bonusesAdditional incentive opportunities for meeting or exceeding sales goalsStrong earning potential for motivated producersSchedule & Work EnvironmentFull-time, in-office positionMonday – Friday scheduleLocated in Scottsdale, ArizonaWork alongside an established and collaborative agency teamInterested in Joining the Team?If you are a motivated sales professional with an active Arizona Property & Casualty license and a passion for helping clients protect what matters most, Mat Herseth State Farm Agency encourages you to apply.#SMA

Don Parsons - State Farm Agency, located in Long Beach, WA is currently looking for a talented, caring, professional to join our team as a Customer Service Representative. This is a position focused on Customer Service for a well-established State Farm Agent. If you have a talent for customer care and understand the needs and motivations of people, we want you on our team! As our Customer Service Representative, you’ll work to inspire customer loyalty and significantly enhance the overall State Farm Insurance customer experience. Responsibilities include but not limited to: Answer phones and greet clients Establish customer relationships and follow up with customers, as needed Provide prompt, accurate, and friendly customer service. Service can include responding to inquiries regarding insurance availability, eligibility, coverages, policy changes, transfers, claim submissions, and billing clarification Use a customer-focused, needs-based review process to educate customers about insurance options You will receive: Starting hourly pay $17 - $20 per hour depending on experienceCommissions (after licensing obtained) Paid Time Off (4 hours earned per pay period) Valuable experience Growth potential/Opportunity for advancement within my office Requirements: Bilingual English/Spanish a plus!Sales experience (outside sales or inside sales representative, retail sales associate, or telemarketing) preferred Excellent communication skills - written, verbal and listening Self-motivated Detail oriented Proactive in problem solving Ability to work in a team environment Ability to assess customer needs and conduct effective interviews Ability to effectively relate to a customer Property Casualty license (must be able to obtain) Life and Health license (must be able to obtain) If you are motivated to succeed and can see yourself in this role, please submit your resume. We will follow up with you on the next steps in the interview process. This position is with a State Farm independent contractor agent, not with State Farm Insurance Companies. Employees of State Farm agents must be able to successfully complete any applicable licensing requirements and training programs. State Farm agents are independent contractors who hire their own employees. State Farm agents’ employees are not employees of State Farm.

Aquilas Zephir - State Farm Agency, located in Lawrenceville, GA has an immediate opening for a part-time Bilingual (Spanish) Licensed Account Representative. An active Property & Casualty licensed will be required for this role. If you are a motivated self-starter who thrives in a fast-paced environment, then this is your opportunity for a rewarding career with excellent income and growth potential! Please submit your resume and we will follow up with the next steps. Responsibilities include, but not limited to: Develop insurance quotes, makes sales presentations, and close sales. Establish client relationships and follow up with clients, as needed. Develop ongoing networking relationships. Provide prompt, accurate, and friendly client support. Maintain a strong work ethic with a total commitment to success each and every day. Develop new Financial Service opportunities with both existing and new clients. Provide excellent Customer Service daily. Benefits: Hourly pay plus commission/bonusPaid time off (vacation and personal/sick days)Health/Dental/Vision monthly stipendRetirement plan (after 1 year) Requirements: Fluent in Spanish and EnglishProperty & Casualty license or Life Accident & Sickness license (required)Must be able to work Monday - Wednesday, plus Thursday - Friday as needed (total 18-28 hours per week) Enthusiasm and belief about the role insurance and financial products play in people’s lives. Excellent communication skills: written, verbal and listening. Must be awesome at opening doors and getting appointments from a cold start.

Bilingual Receptionist / Office Assistant - Spanish/English (Part-Time | Training Provided) Compensation & Benefits • Hourly base pay • Stable, professional office environment • Valuable experience and opportunity for advancement Role Overview Aquilas Zephir - State Farm Insurance Agency in Lawrenceville, GA is seeking a friendly and dependable part-time Receptionist / Office Assistant. Must be fluent in both Spanish and English. No insurance experience is required; we provide full training and support. This role is ideal for someone who enjoys working with people, wants a stable weekday schedule, and is interested in learning valuable office, customer service, and insurance skills. Responsibilities • Welcome and assist customers in person and by phone • Schedule appointments and manage basic office communications • Answer questions and route inquiries to team members • Help update customer records and process payments • Provide a positive first impression for the office • Support general administrative and office tasks Qualifications & Licensing • Friendly, professional, and reliable • Comfortable speaking with people in person and on the phone • Strong communication and organizational skills • Detail-oriented with basic computer skills (Microsoft Office / general office software) • No prior insurance experience required • Bilingual, fluent in Spanish and English• Property & Casualty license or Life Accident & Sickness license (must be able to obtain)• Must be able to work Monday - Wednesday, plus Thursday - Friday as needed (total 18-28 hours per week) About Us At the Aquilas Zephir - State Farm Agency, we help individuals, families, and small businesses protect what matters most. Our team is committed to delivering exceptional service, building lasting customer relationships, and creating a positive impact in the communities we serve. We foster a supportive, growth-oriented work environment where team members are valued, developed, and rewarded for their contributions. If you enjoy helping people, thrive in a collaborative setting, and want to build a meaningful career, we’d love to connect with you. Office Location: 3153 Sugarloaf Parkway Suite 209, Lawrenceville, GA 30045 Our mission is to help people manage the risks of everyday life, recover from the unexpected, and realize their dreams.

Aquilas Zephir - State Farm Agency, located in Lawrenceville, GA, has an immediate opening for a Part-time Bilingual Licensed Insurance Receptionist - Team Member. Must have or obtain a Property and Casualty license or a Life, Accident and Sickness license prior to start date. The main role is to ensure excellent service standards, respond efficiently to customer inquiries and maintain high customer satisfaction. Ideal candidate is a professional with a great attitude and outgoing personality! Someone who has 'never met a stranger,' has stellar computer skills, the ability to multi-task, works well with their peers, and has a true passion for helping others. Responsibilities include but not limited to: Provide product/services information and resolve any emerging problems that our customer accounts might face with accuracy and efficiency. Manage incoming calls. Handle customer complaints provide appropriate solutions and alternatives within the time limits; follow up to ensure resolution. Keep records of customer interactions, process customer accounts and file documents. As an Agent Team Member, you will receive...Hourly pay plus commission/bonus (based on experience and licenses)Valuable experienceGrowth potential/Opportunity for advancement within my office Ideal Candidate: Fluent in Spanish and EnglishProperty & Casualty license or Life Accident & Sickness license (required)Must be able to work Monday - Wednesday, plus Thursday - Friday as needed (total 18-28 hours per week)Strong phone contact handling skills and active listening. Comfortable with making outbound calls. Genuinely excited to help customers. Patient, empathetic, and passionately communicative; loves to talk. Ability to empathize with and advocate for clients when necessary. Strong Problem-solving skills Excellent communication and presentation skills Ability to multi-task, prioritize, and manage time effectively. This position is with a State Farm independent contractor agent, not with State Farm Insurance Companies. Employees of State Farm agents must be able to successfully complete any applicable licensing requirements and training programs. State Farm agents are independent contractors who hire their own employees. State Farm agents’ employees are not employees of State Farm.

Position Overview Successful State Farm Agent is seeking a qualified professional to join their winning team for the role of part-time Licensed Customer Service Representative - State Farm Agent Team Member. We seek an licensed energetic professional interested in helping our business grow through value-based conversations and remarkable customer experience. If you are a motivated self-starter who thrives in a fast-paced environment, then this is your opportunity for a rewarding career with excellent income and growth potential. Responsibilities include but not limited to: Establish customer relationships and follow up with customers, as needed. Provide prompt, accurate, and friendly customer service. Service can include responding to inquiries regarding insurance availability, eligibility, coverages, policy changes, transfers, claim submissions, and billing clarification. Use a customer-focused, needs-based review process to educate customers about insurance options. Maintain a strong work ethic with a total commitment to success each and every day. As an Agent Team Member, you will receive... Hourly pay plus commission/bonus Paid time off (vacation and personal/sick days)Health/Dental/Vision monthly stipendRetirement plan (after 1 year) Valuable experience Growth potential/Opportunity for advancement within my office Requirements Fluent in Spanish and EnglishProperty & Casualty license or Life Accident & Sickness license (required)Must be able to work Monday - Wednesday, plus Thursday - Friday as needed (total 18-28 hours per week) Excellent interpersonal skills Excellent communication skills - written, verbal and listening People-oriented Organizational skills Self-motivated Detail oriented Proactive in problem solving Dedicated to customer service Able to learn computer functions Pride in getting work done accurately and timely Ability to work in a team environment Ability to multi-task Provide timely and thorough activity reports to agent Selected candidate is expected to remain current in product changes, licensing, technical developments, and continuing education If you are motivated to succeed and can see yourself in this role, please complete our application. We will follow up with you on the next steps in the interview process. This position is with a State Farm independent contractor agent, not with State Farm Insurance Companies. Employees of State Farm agents must be able to successfully complete any applicable licensing requirements and training programs. State Farm agents are independent contractors who hire their own employees. State Farm agents’ employees are not employees of State Farm.

Aquilas Zephir - State Farm Agency, located in Lawrenceville, GA is currently looking for a talented, caring, professional to join our team as a part-time Bilingual (Spanish) Customer Service Representative. This is a position focused on Customer Service for a well-established State Farm Agent. If you have a talent for customer care and understand the needs and motivations of people, we want you on our team! As our Customer Service Representative, you’ll work to inspire customer loyalty and significantly enhance the overall State Farm Insurance customer experience. Responsibilities include but not limited to: Answer phones and greet clients Establish customer relationships and follow up with customers, as needed Provide prompt, accurate, and friendly customer service. Service can include responding to inquiries regarding insurance availability, eligibility, coverages, policy changes, transfers, claim submissions, and billing clarification Use a customer-focused, needs-based review process to educate customers about insurance options You will receive: Hourly pay plus commission/bonusPaid time off (vacation and personal/sick days)Health/Dental/Vision monthly stipendRetirement plan (after 1 year)Valuable experienceGrowth potential/Opportunity for advancement within my officeRequirementsFluent in Spanish and EnglishProperty & Casualty license or Life Accident & Sickness license (must be able to obtain)Must be able to work Monday - Wednesday, plus Thursday - Friday as needed (total 18-28 hours per week)Sales experience (outside sales or inside sales representative, retail sales associate, or telemarketing) preferred Excellent communication skills - written, verbal and listening Self-motivated Detail oriented Proactive in problem solving Ability to work in a team environment Ability to assess customer needs and conduct effective interviews Ability to effectively relate to a customer If you are motivated to succeed and can see yourself in this role, please submit your resume. We will follow up with you on the next steps in the interview process. This position is with a State Farm independent contractor agent, not with State Farm Insurance Companies. Employees of State Farm agents must be able to successfully complete any applicable licensing requirements and training programs. State Farm agents are independent contractors who hire their own employees. State Farm agents’ employees are not employees of State Farm.

My State Farm Agency, located in Beverly Hills, CA has an immediate opening for a full-time Licensed Insurance Sales Professional. We are an award winning State Farm agency focused on fulfilling the needs of our customers and creating success for our team. My Unique Ability is empowering others to achieve their potential and strategizing simple solutions that build confidence in our shared future. If you have experience in the insurance industry, I invite you to apply for the position in my office. Only candidates who meet the following criteria will be considered for this role: 1. Must have an active Property and Casualty and Life & Health insurance licenses. 2. Must be able to make the commute to our agency location in Beverly Hills, CA. This is an in-office position. Responsibilities include but not limited to: Develop leads, schedule appointments, identify customer needs, and market appropriate products and services Establish customer relationships and follow up with customers, as needed Provide prompt, accurate, and friendly customer service. Service can include responding to inquiries regarding insurance availability, eligibility, coverages, policy changes, transfers, claim submissions, and billing clarification What we provide: Base hourly pay $25 - $27 per hour depending on experienceBonus and commission Monthly supplement for health insurance401(k) employer contributions Valuable experience Growth potential/Opportunity for advancement within my office Requirements: Bilingual English/Spanish a plus!Insurance Sales Experience/ Property & Casualty and L/H licenses preferred Sales experience (outside sales or inside sales representative, retail sales associate, or telemarketing) preferred Successful track record of meeting sales goals/quotas preferred Excellent communication skills - written, verbal and listening Self-motivated Ability to multi-task Ability to effectively relate to a customer Property & Casualty license Life & Health license If you are motivated to succeed and can see yourself in this role, please submit your resume. We will follow up with you on the next steps in the interview process. This position is with a State Farm independent contractor agent, not with State Farm Insurance Companies. Employees of State Farm agents must be able to successfully complete any applicable licensing requirements and training programs. State Farm agents are independent contractors who hire their own employees. State Farm agents’ employees are not employees of State Farm.#SMA

We are an award winning State Farm agency focused on fulfilling the needs of our customers and creating success for our team. If you have experience in the insurance industry, I invite you to apply for the position in my office. We seek an energetic professional interested in helping our business grow through value-based conversations and remarkable customer experience. If you are a motivated self-starter who thrives in a fast-paced environment, then this is your opportunity for a rewarding career with excellent income and growth potential. Responsibilities: Develop leads, schedule appointments, identify customer needs, and market appropriate products and services Establish customer relationships and follow up with customers, as needed Provide prompt, accurate, and friendly customer service. Service can include responding to inquiries regarding insurance availability, eligibility, coverages, policy changes, transfers, claim submissions, and billing clarification What we provide: Base Salary plus Commission/Bonus Paid Time Off (vacation and personal/sick days)Health Insurance Plan Valuable experience Growth potential/Opportunity for advancement within my office Requirements: Insurance Sales Experience/ Property & Casualty and L/H licenses preferred. Sales experience (outside sales or inside sales representative, retail sales associate, or telemarketing) preferred Successful track record of meeting sales goals/quotas preferred Excellent communication skills - written, verbal and listening Self-motivated Ability to multi-task Ability to effectively relate to a customer Property & Casualty license Life & Health license If you are motivated to succeed and can see yourself in this role, please submit your resume. We will follow up with you on the next steps in the interview process. This position is with a State Farm independent contractor agent, not with State Farm Insurance Companies. Employees of State Farm agents must be able to successfully complete any applicable licensing requirements and training programs. State Farm agents are independent contractors who hire their own employees. State Farm agents’ employees are not employees of State Farm.#SMA

State Farm Agency, located in Constantine, MI is currently looking for a talented, caring, professional to join our team as a Customer Service Representative. This is a position focused on Service for a well-established State Farm Agent. If you have a talent for customer care and understand the needs and motivations of people, we want you on our team! As our Customer Service Representative, you’ll work to inspire customer loyalty and significantly enhance the overall State Farm Insurance customer experience. Responsibilities include but not limited to: Answer phones and greet clients Establish customer relationships and follow up with customers, as needed Provide prompt, accurate, and friendly customer service. Service can include responding to inquiries regarding insurance availability, eligibility, coverages, policy changes, transfers, claim submissions, and billing clarification Use a customer-focused, needs-based review process to educate customers about insurance options You will receive: Salary plus Commission/Bonus Paid Time Off (vacation and personal/sick days) Health Insurance PlanValuable experience Growth potential/Opportunity for advancement within my office Requirements: Sales experience (outside sales or inside sales representative, retail sales associate, or telemarketing) preferred Excellent communication skills - written, verbal and listening Self-motivated Detail oriented Proactive in problem solving Ability to work in a team environment Ability to assess customer needs and conduct effective interviews Ability to effectively relate to a customer Property Casualty license (must be able to obtain) Life and Health license (must be able to obtain) If you are motivated to succeed and can see yourself in this role, please submit your resume. We will follow up with you on the next steps in the interview process. This position is with a State Farm independent contractor agent, not with State Farm Insurance Companies. Employees of State Farm agents must be able to successfully complete any applicable licensing requirements and training programs. State Farm agents are independent contractors who hire their own employees. State Farm agents’ employees are not employees of State Farm.

Position Overview Successful State Farm Agent is seeking a qualified professional to join their winning team for the role of Bilingual Customer Service Representative - State Farm Agent Team Member. Must be fluent in both Spanish and English. Insurance experience is not required, we will train the right person! We seek an energetic professional interested in helping our business grow through value-based conversations and remarkable customer experience. If you are a motivated self-starter who thrives in a fast-paced environment, then this is your opportunity for a rewarding career with excellent income and growth potential. Responsibilities include but not limited to: Establish customer relationships and follow up with customers, as needed. Provide prompt, accurate, and friendly customer service. Service can include responding to inquiries regarding insurance availability, eligibility, coverages, policy changes, transfers, claim submissions, and billing clarification. Use a customer-focused, needs-based review process to educate customers about insurance options. Maintain a strong work ethic with a total commitment to success each and every day. What we provideBase SalaryCommission/bonus (once licensed)Paid time off (vacation after 1 year)Valuable experienceGrowth potential/Opportunity for advancement within my officeRequirementsBilingual Required (Spanish/English) Excellent interpersonal skills Excellent communication skills - written, verbal and listening People-oriented Organizational skills Self-motivated Detail oriented Proactive in problem solving Dedicated to customer service Able to learn computer functions Pride in getting work done accurately and timely Ability to work in a team environment Ability to multi-task Provide timely and thorough activity reports to agent Property & Casualty license (must be able to obtain) Life and Health license (must be able to obtain) Selected candidate is expected to remain current in product changes, licensing, technical developments, and continuing education If you are motivated to succeed and can see yourself in this role, please submit your resume. We will follow up with you on the next steps in the interview process. This position is with a State Farm independent contractor agent, not with State Farm Insurance Companies. Employees of State Farm agents must be able to successfully complete any applicable licensing requirements and training programs. State Farm agents are independent contractors who hire their own employees. State Farm agents’ employees are not employees of State Farm.

State Farm Agency, located in Mineola, NY has an immediate opening for a full-time Sales and Service Representative. Insurance experience is not required as we will train the right person. If you are a motivated self-starter who thrives in a fast-paced environment, then this is your opportunity for a rewarding career with excellent income and growth potential! Please submit your resume and we will follow up with the next steps. Responsibilities include, but not limited to: Develop insurance quotes, makes sales presentations, and close sales. Establish client relationships and follow up with clients, as needed. Develop ongoing networking relationships. Provide prompt, accurate, and friendly client support. Maintain a strong work ethic with a total commitment to success each and every day. Develop new Financial Service opportunities with both existing and new clients. Provide excellent Customer Service daily. What we provideBase SalaryCommission/bonus (once licensed)Paid time off (vacation after 1 year)Valuable experienceGrowth potential/Opportunity for advancement within my officeRequirementsBilingual Required (Spanish/English) Enthusiasm and belief about the role insurance and financial products play in people’s lives. Excellent communication skills: written, verbal and listening. Must be awesome at opening doors and getting appointments from a cold start.Property and Casualty insurance license (must be able to obtain)