Infinity Federal Credit Union Saves Members Nearly $9M in 2017 and Receives First Place in State Service Award
Westbrook, ME — May 29, 2018 - Infinity Federal Credit Union (FCU) was named a first place recipient of the state Louise Herring Philosophy-in-Action Member Service Award, which honors credit unions for internal programs and services that benefit membership. This is the credit union’s second consecutive year receiving this award.
Infinity FCU won its award for savings its members $8,995,135 on loans and raising its members’ FICO credit scores by an average of 35 points through its credit score education program in 2017.
President/CEO, Elizabeth Hayes stated, “Our vision of ‘doing banking differently to keep you a step ahead in life’ is brought to life through our member savings initiative. We work with every member to understand the positive impact of making on-time payments and managing revolving debt, resulting in an improved credit score. As their score improves, Infinity FCU automatically offers them more competitive rates, which saves them money and lowers their payments. We’re inspired and proud to make a real difference in our member’s lives and they are positioned well for the future with confidence their credit union has their back.”
The Awards were presented at the Maine Credit Union League's Annual Delegates' Meeting in Portland on May 18, 2018 to Infinity FCU’s Chief Risk Officer Sandy Cloutier and Marketing Director Kathy Guillory by Todd Mason, President/CEO of the Maine Credit Union League.
The first-place state winners will compete in the national awards competition, coordinated by the Credit Union National Association, in the fall.
Infinity Federal Credit Union (FCU) Membership Elects Board of Directors
Westbrook, ME – At the annual meeting on Thursday, May 3, 2018, credit union Members joined Infinity FCU leadership and staff at the Fireside Inn and Suites in Portland to elect the following individuals to the Board of Directors.
Sam Novick, Chair
Sam Novick, who previously served as Chair, was re-elected to the Board of Directors for another term as Chair. Sam has a Bachelor of Science degree in Accounting from Bentley College and has served as the President of HUB Furniture Company since 1984. He has a long history of community involvement holding leadership roles such as President of Portland Kiwanis Club, President of Temple Beth El, Board Member of United Way of Greater Portland, among others.
Kate Caron, Vice Chair
Kate Caron, who previously served as Vice Chair, was re-elected to the Board of Directors for another term as Chair. Kate attended the University of Maine in Presque Isle, studying Business Administration and Law. She is a licensed real estate agent working for The Real Estate Network. Kate volunteers for the community, in her local Middle school, and business organizations. She enjoys volunteering, gardening, reading and designing.
Infinity Federal Credit Union Hires New Performance Manager
Westbrook, Maine – March 20, 2018 – Infinity Federal Credit Union in Westbrook hired Maureen St. John as a Senior Performance Manager. In this new role, she will work collaboratively with all departments to identify and fill performance and training gaps. She will also assist with the rollout of new products and services. With over 21 years of experience in banking leadership, St. John has a strong track record of driving growth, deepening consumer relationships, rallying stakeholders, and fostering cross-functional collaboration. St. John was most recently with Camden National Bank as a Retail Regional Senior Vice President in Southern Maine. She holds a Bachelor of Science in Business Administration from the University of Maine at Orono.
Infinity Federal Credit Union seeks local non-profits for their 2018 “Parking For a Purpose” program.
Bangor, Maine – March 16th – Last year, Infinity Federal Credit Union (FCU), Maine’s first credit union, donated its Downtown Bangor branch parking lot to local non-profit organizations to use for car parking fundraisers during the summer’s Waterfront Concert series. The 2017 “Parking For a Purpose” program netted a total of $7,446 for eleven Maine organizations. This year, Infinity FCU seeks to grow the “Parking For a Purpose” program and is looking for more local non-profit organizations to participate.
“Employees of Infinity FCU are empowered to make a difference in their communities. ‘Parking For a Purpose’ is one of many programs they undertake to make that difference.” said Infinity FCU’s President and CEO Elizabeth Hayes.
With many great concerts lined up for 2018’s Waterfront Concert series, Infinity FCU believes it will be an even better year for fundraising with their program.
Any non-profits wishing to participate in this year’s “Parking For a Purpose” program should reach out to Senior Business Development Manager Jennifer Oliveira (firstname.lastname@example.org) by April 30th.
Infinity Federal Credit Union Employees Recognized with a Citizens Award by Westbrook Police Department
Westbrook, ME - February 5, 2018 - Infinity Federal Credit Union (FCU) employees were recognized by receiving a Citizens Award by Westbrook Police Department for protecting a member from becoming a victim of a real estate scam.
The award was presented at the Westbrook Police Department Annual Awards Breakfast on Saturday, February 3, 2018 to Infinity FCU’s chief risk officer Sandy Cloutier, senior manager of financial operations Ginny Perusse, financial operations specialist Lisa Parkman, Westbrook teller supervisor Ashley Wainwright, and assistant manager Caitlin Field.
Infinity FCU was recognized for their handling of an incident in August of 2017, involving an elderly member requesting to send $106,000 through a wire transfer to a stranger in California to facilitate a real estate transaction. Employees researched the transfer request and found that the payee was not associated with any known real estate agency or agent and the address provided was of a gas station. The employees suspected the elderly member was being scammed and pressured by the suspect to complete the transaction; they requested assistance from the Westbrook Police Department to stop it. The department investigated the incident, confirmed it was a scam, and was able to prevent the member from sending the money to the suspect.
At the award ceremony, Westbrook Police Department Chief Janine L. Roberts stated, “If it were not for the vigilance and diligence displayed by the staff at Infinity Federal Credit Union, the victim would have been bilked out of $106,000. Actions such as these bring credit to you and are integral to our success. The Westbrook Police Department is grateful for your partnership.”
President/CEO, Elizabeth Hayes stated, “At Infinity Federal Credit Union, we take the time to get to know our members and their unique situation. In this case, I’m proud of our employees who not only noticed a questionable situation, but took action to protect the member in partnership with the Westbrook Police. Thanks to everyone involved, the member was protected from potential loss of her money.”
Infinity Federal Credit Union has its Crasher
Westbrook, Maine - January 18, 2018 - Infinity Federal Credit Union (FCU) is pleased to announce that Christine Black has been selected to attend Crash the GAC 2018 by The Cooperative Trust and Credit Union National Association to represent the state of Maine.
“I feel so honored to be given the opportunity to advocate for Credit Unions on Capitol Hill.” said Christine Black, Member Service Specialist in Bangor. “Together, we can make a real difference in the world, and I am excited to collaborate with other organizations to drive change in our communities.”
Crash the GAC is a career-changing program for credit union young professionals that allows them to experience CUNA’s Governmental Affairs Conference in a dynamic way with exclusive networking opportunities and mentoring sessions with industry leaders, previously from organizations such as Filene Research Institute, National Credit Union Foundation, Credit Union National Association, and CUNA Mutual Group.
“The Crashers program is great for young credit union professionals, for GAC, and for the entire movement,” said CUNA CEO and President Jim Nussle. “The Crashers get to network and participate in the premier event of the credit union industry, the GAC benefits from their enthusiasm and fresh perspectives, and the movement is invigorated by a new generation of fired-up advocates who have learned how to reach out to legislators to effect change.”
Credit Union National Association provides Crashers with a complimentary registration fee to attend the conference, and many state leagues and associations provide scholarships or other financial assistance. This year 78 Crashers will attend Crash the GAC representing all 50 states and the District of Columbia.
“We are pleased and proud to have Christine from Infinity FCU represent Maine at the 2018 GAC. It’s a wonderful opportunity for her to learn and meet new people as we’re given a chance to interact with our brightest young professionals!” says Elizabeth Hayes, President/CEO of Infinity Federal Credit Union
“As we continue to grow The Cooperative Trust and Crash opportunities, we’re always challenging ourselves to elevate and advance the program to provide the most impact for young professionals and the credit union system,” says Lauren Culp, Manager of The Cooperative Trust. “We know that it’s more important than ever that young people have a voice and are included in the conversation as we look to the future of our industry. This year, thanks to the generous donations of several forward-thinking credit unions, we’re thrilled to provide the Crash the GAC opportunity to an additional 26 young professionals.”
The Crash the GAC is brought to you by The Cooperative Trust and CUNA, in association with Credit Union Leagues/Associations.
Infinity Federal Credit Union Honors 20 Employees at Annual Meeting
Westbrook, ME – January 19, 2018 – On January 15, 2018 at its 3rd annual i4 meeting, Infinity Federal Credit Union (FCU) recognized 20 individuals and teams for their commitment to Infinity FCU’s strategic areas of focus to grow membership by building relationships founded on trust, collaborating for shared success, and making it easier to do business with the credit union.
Members of the Bangor Team were honored for “Delivering on Infinity FCU’s Mission” by growing membership, increasing market share, and member retention. Team members include: Cindi Smith of Dixmont, Jennifer Oliveira of Holden, Christine Black of Garland, Christina Clewley of Brewer, Kristy Woodard of Dover-Foxcroft, Cheyenne Huffor of Orono, Tricia Berube of Carmel, and Tyler Small of Ellsworth.
Christine Black was honored for “Build Relationships Founded on Trust” for her commitment to growing member participation, problem solving, and recovery.
Fred Lizotte of Windham was honored for “Easy to do Business” for his work on cross-functional teams to improve efficiency, automate processes, and provide an extraordinary experience to Infinity FCU members.
A team of four was honored as “Employee Advocates” for partnering, mentoring, and cross-training other departments for shared success. Caitlin Field of South Portland and Tim Drapeau of Scarborough were recognized for their work to help launch Small Business Services; Terry Vetrano of Biddeford for leading change in the Member Engagement Contact Unit and Operations; and Shane Drake of Scarborough for providing Mortgage Training and Support to the branches.
The cross-functional team led by Peter St. Onge of Biddeford, Don Cohen of Portland, Tim Villemaire of Waterboro, Ginny Perusse of Westbrook, Erika Fecteau of North Waterboro, and Liz Withee of Buxton, was honored for their collaboration in developing the channel and process of selling Infinity FCU mortgages to the Federal Home Loan Bank. The process allows Infinity FCU to continue underwriting, processing, and servicing mortgage loans in-house, which positively impacts the ability to serve the member and generate increased revenue for the sale and servicing of mortgage loans.
Infinity Federal Credit Union has banner year, saves members $8,995,135
Westbrook, ME — December 29th, 2017 - It has been a banner year for Infinity Federal Credit Union (FCU). In 2017, the credit union welcomed 1,600 new members, opened a new Portland Branch at 29 Baxter Blvd near Back Cove, launched Small Business Services, and new products, including the Energy Loan designed to cover the cost of energy-related home improvements, and Bridge to Citizenship Loan which helps Maine residents aspiring to become citizens of the United States.
In 2017, Infinity FCU saved its members $8,995,135 and raised its members’ FICO credit scores by an average of 35 points through its credit score education program.
President/CEO, Elizabeth Hayes stated, “Our vision of “doing banking differently to keep you a step ahead in life’ is brought to life through our member savings initiative. We work with every member to understand the positive impact of making on-time payments and managing revolving debt, resulting in an improved credit score. As their score improves, Infinity FCU automatically offers them more competitive rates, which saves them money and lowers their payments. We’re inspired and proud to make a real difference in our member’s lives and they are positioned well for the future with confidence their credit union has their back.”
In addition, Infinity FCU donated $19,149 to the community through charitable giving, event sponsorships, Casual Jeans Fridays, and its signature Random Acts of Kindness events.
Infinity Federal Credit Union Announces New Vice President
of Member Experience
Westbrook, ME — December 19, 2017 - Infinity Federal Credit Union (FCU) has named Ruth Leavitt its new Vice President of Member Experience. In this newly created position, Leavitt will oversee strategic direction for branch administration, the Member Engagement Contact Unit, business development, and member operations.
Leavitt has been with Infinity FCU since 2015 as Director of Branch Administration, leading Infinity FCU’s four branches in all aspects of leadership and branch operations.
President/CEO, Elizabeth Hayes stated, “Ruth Leavitt has implemented a system of goals, measurement and reporting emphasizing new member growth and member relationships founded on trust and member participation that has helped support and drive Infinity FCU’s growth. In addition, she has been instrumental in fostering an environment of engagement, achievement, and development for each of her leaders and employees. Successfully making Infinity FCU’s vision a reality is predicated on providing an extraordinary experience to our members. The Vice President of Member Experience position was created to make that happen and Leavitt is the perfect person for this role.”
Prior to joining Infinity FCU, Leavitt worked for a number of years as a consumer market manager-vice president at Bank of America and Fleet Bank. She holds a bachelor of science degree from the University of Maine at Orono.
Infinity Federal Credit Union Announces New Director of Marketing
Westbrook, ME — December 19, 2017 - Infinity Federal Credit Union (FCU) has named Kathy Guillory its new Director of Marketing. Guillory will oversee strategic marketing initiatives to support membership growth and engagement, brand differentiation, product promotion, and community outreach.
Guillory joined Infinity FCU January of 2017 as a Senior Marketing Manager, leading Infinity FCU’s marketing efforts across its four branches.
President/CEO, Elizabeth Hayes stated, “In her short tenure, Kathy Guillory led a successful opening of the new Baxter Branch in Portland, and increased Infinity FCU's visibility in our markets with external partnerships, event sponsorship, media, and public relations. She also developed and implemented branding guidelines, raising the bar of Infinity FCU's brand externally and internally. Her strategic and results-driven approach to institutional marketing will make her a great addition to our senior team.”
Prior to joining Infinity FCU, Guillory worked in public health, animal welfare, and retail sectors. She is a native of Atlanta, GA and a graduate of Kennesaw State University with a bachelor of business administration in finance and a minor in business law.
Infinity Federal Credit Union (FCU)'s Christine Black is selected to represent Infinity FCU & Maine at the Crash big.bright.minds.2017 Conference
Westbrook, ME – November 13, 2017 - Christine Black, Infinity FCU’s Member Service Specialist in Bangor, has been selected to represent Infinity FCU and the state of Maine at the Crash big.bright.minds.2017 Conference in Austin, Texas December 6-8. Crash events are designed to help develop young professionals in to future credit union executives. Planned alongside existing credit union conferences, Crash events allow industry mentors to lead young professionals in open conversations around topics such as leadership, social responsibility, innovation, and more.
Infinity Federal Credit Union (FCU)'s Ryan Wing
selected for Filene's i3 Program
Westbrook, ME – October 19, 2017 - Ryan Wing, Infinity FCU's Director of Information, Technology & Facilities, has been selected as one of the sixteen credit union executives to the Filene i3 program which fosters the development of new ideas and innovations for credit unions. The Filene i3 program, managed by The Filene Research Institute, has led to more than 200 “innovative concepts” in its first decade, helping to “save consumers millions of dollars, brought new efficiency to credit unions and even changed a few laws.”
Infinity Federal Credit Union (FCU) listed as No.15 in the
Credit Union Journal's Best Credit Unions to Work For List
Westbrook, ME – October 18, 2017 - Infinity FCU, Maine's First Credit Union, was listed No. 15 by Credit Union Journal, a national publication, in its "Best Credit Unions to Work For" list. The credit Union was No. 3 in its asset category, credit unions with more than $200 million but less than $500 million in assets.
Infinity Federal Credit Union (FCU) Places in the Top 10 of the Maine Best Places to Work List
Westbrook, ME - October 11, 2017 - Infinity FCU, Maine’s first credit union, is thrilled to be recognized as one of the “Best Places to Work in Maine” in the medium company size category at #10. This is the credit union’s sixth consecutive year on the recognition list. Infinity FCU demonstrates its care for employees in real terms. Top-notch compensation and benefits include free medical insurance for employees and free dental insurance for employees and families, and two retirement plans. Annual performance bonuses are based on individual and team performance. Peer recognition programs and Spot Awards recognize employees for going above and beyond their day-to-day duties. Employees are celebrated during a week-long employee appreciation event every June which includes a cruise in Portland’s Casco Bay. “One of our core values is ‘we love job and it shows’; making the Best Places to Work List for the 6th consecutive year is a true testament to employee engagement,” says Barbara Bartlett, SPHR, CCP, GRP, CBP, SHRM-SCP, Chief Human Resource Officer.
Eleven Maine Organizations Benefit from Infinity Federal Credit Union’s
“Parking For a Purpose”
Bangor, Maine - September 26, 2017 – Infinity Federal Credit Union (FCU), Maine’s first credit union, donated its Downtown Bangor branch parking lot for local non-profit organizations to use for car parking fundraisers during this summer’s Waterfront Concert series. This year’s program netted these good causes more than $7,000.
“Employees of Infinity FCU are empowered to make a difference in their communities. “Parking For a Purpose” is one of many programs they undertake to make that difference.
President and CEO Elizabeth Hayes announced these results from fundraising events:
Old Town Cheerleaders $1,208
Bangor Humane Society $ 850
Red Cross $ 311
Dexter Recreation Dept. $ 950
Girl Scouts—Troop 2001 $ 700
Fire Forward $1,012
Phillips Strickland House $ 345
Silent Sidekicks $ 430
Maine Discovery Museum $ 240
Dempsey Challenge $ 380
The total for all participating agencies was $7,446.
“This was a terrific opportunity for Infinity FCU employees to give something back to the communities we serve,” said Hayes. “We plan to grow ‘Parking For a Purpose’ to include more organizations in 2018.
Infinity Federal Credit Union (FCU) Introduces Equity Crowdfunding Connecting Investors and Entrepreneurs
Infinity Federal Credit Union to Hold Free Seminar for Small Business Owners in the Community
Westbrook, ME – August 17, 2017 - Infinity FCU, Maine’s first credit union, has introduced a new service, an equity crowdfunding platform powered by GrowthFountain. Local entrepreneurs can now raise capital from customers, community members and GrowthFountain’s expansive investor network. These customers, turned owners, become micro brand ambassadors, helping spread the word about your products and services.
Equity crowdfunding is the practice of funding a venture by raising small amounts of money from a large number of people, which can add up to meaningful sums in the aggregate. Companies are allowed to raise $1 million per year under this avenue.
Equity crowdfunding came about after the 2012 passing of the JumpStart Our Business Startups Act, or JOBS Act, which encourages small business funding in the United States by reducing many securities regulations. Under SEC new rules effective May 16, 2016, the public can help finance start-up or small companies.
“The JOBS Act was created to help create jobs by simplifying the capital raising process. We’re absolutely thrilled to partner with Infinity FCU to help Maine’s businesses raise the capital they need to grow.” GrowthFountain CEO Ken Staut said. “It’s a logical partnership as we’re both focused on community development and growth.”
“The entrepreneur spirit is strong in Maine.” Infinity FCU Senior Marketing Manager Kathy Akopov said. “Equity crowdfunding offers investors and entrepreneurs a unique way to connect, invest, raise capital, and grow ideas. It’s another avenue for us to support the small business community and our economy in the state.”
Robbery in Arundel
Westbrook, ME – August 16, 2017 - At approximately 1pm this afternoon, the Infinity Federal Credit Union (FCU) branch on 1298 Alfred Rd in Arundel was robbed. All employees are safe at this time. Infinity FCU is working closely with the local authorities to assist in the investigation of the robbery. The Arundel branch will resume normal business hours tomorrow, August 17, 2017 at 9am.
Media Contact: Angie Helton, (207) 653-0365, email@example.com
Infinity Federal Credit Union (FCU) to Make Loans to Give New Mainers a “Bridge to Citizenship”
Makes Announcement at Opening on New Downtown Portland Branch Location
Portland, ME — July 26, 2017 - Infinity FCU, the first credit union in Maine, has announced a bold program to make loans to those Maine residents aspiring to become citizens of the United States.
The announcement was made today by President and CEO Elizabeth Hayes at the ribbon cutting for the new Infinity FCU branch at 29 Baxter Boulevard in Portland’s Back Cove.
Hayes explains the purpose of the “Bridge to Citizenship” loans:
“At Infinity Federal Credit Union, we celebrate diversity of experience, perspective and ideas in the work we do and the people we serve. We are fortunate to have the opportunity to make a difference in people’s lives and to have committed employees who are passionate about keeping people a step ahead. That is the key to our success.”
Today, Infinity FCU has team members who speak many of the languages of our immigrant population: Portuguese, Spanish, Turkish, Azeri, French, Kirundi, Kinyarwanda, Russian, Vietnamese, Nepalese, Hindi, Punjabi, and Bengali.
Infinity FCU, in partnership with Portland Adult Education, will be hiring new employees who speak multiple languages.
These specific personal loans are designed to cover the cost of become a U. S. citizen while also establishing a positive credit history. The loans can be used for green card and naturalization applications, petitions and travel expenses for alien relatives, related legal fees and asylum costs. Applicants will need to show a pay stub, a government ID and evidence of their non-citizen status. The loans will have flexible terms.
At the opening of the new branch, President Elizabeth Hayes presented $1,000 checks to new community partners, Community Financial Literary and the Catholic Charities Maine Office of Refugee Services.
The downtown Portland branch is the Infinity FCU’s fourth, in addition to locations in Arundel, Bangor and Westbrook. Infinity FCU’s new full-service branch offers drive-up service and a 24-hour ATM, and the branch environment provides a personal “Maine” feel, comfortable and outdoorsy with exposed wood and stone, but with the latest technology customers have come to expect from Maine’s First credit union.
Infinity FCU is inviting those 18 and over to enter their drawing for prizes from local businesses at the new location until August 1. The prizes include a grill/smoker, Sea Dog tickets, Indoor Karting tickets, local restaurant gift certificates and many more prizes.
Among those celebrating the opening of Infinity Federal Credit Union's new branch office in Portland on July 26 were, from left to right: Portland Mayor Ethan Strimling; Sam Novick, Infinity FCU board member; Claude Rwaganje, executive director of Community Financial Literacy; Infinity Federal Credit Union President and CEO Elizabeth Hayes; Hannah DeAngelis, Catholic Charities Maine Office of Refugee Services; Westbrook Mayor Michael Sanphy, Quincy Hentzel, CEO of the Portland Regional Chamber of Commerce.
Media Contact: Angie Helton, (207) 653-0365, firstname.lastname@example.org
Infinity Federal Credit Union (FCU) Saves Members $6M in 2016 and Receives First Place in State Service Award
Westbrook, ME — June 7, 2017 - Infinity FCU was named a first place recipient of the state Louise Herring Philosophy-in-Action Member Service Award, which honors credit unions for internal programs and services that benefit membership.
The Awards were presented at the Maine Credit Union League's Annual Delegates' Meeting in Portland on May 19, 2017 to Infinity FCU’s Chief Risk Officer Sandy Cloutier, Director of IT and Facilities Ryan Wing, Senior Marketing Manager Kathy Akopov, and Marketing Assistant Amy Collinsworth.
Infinity FCU won its award for launching a financial education program in 2016. At the beginning of the year, the credit union set a goal to save its members $1M by providing education on managing the credit score. By the end of the year, Infinity FCU exceeded its goal and saved its members $6M.
All of Infinity FCU’s financial products and services are designed to put the member in a better financial position. Under this new program, credit union employees are empowered to provide members with a full financial solution to their credit needs, rather than simply fulfill their immediate request. Every loan application begins with a meeting between a loan officer and the member to review the member’s credit report and identify any opportunities for improving the credit score. In most cases, loan officers are able to make significant changes to how the member’s current credit is organized. Members are shown that by paying their loans as agreed and managing revolving debt, their credit scores will go up and they will be eligible for more competitive rates, which in turn will lower their monthly payments and save them money.
“The results are inspiring,” says Infinity FCU’s Chief Lending Officer, Kandy Moreau. “We have members that we have lowered their loans rates within six months of the initial sit down with a loan officer. This initiative, when looked at from the member’s perspective, is life changing. Nothing feels better than helping people and when our staff goes home at night, that’s how we all feel.”
The first-place state winners will compete in the national awards competition, coordinated by the Credit Union National Association (CUNA), in the fall.
Infinity Federal Credit Union (FCU) Membership Elects First
Non-Telephone Worker as Chair of the Board of Directors in Over 20 Years
Portland, ME – At the annual meeting on Thursday, May 4, 2017, credit union Members joined Infinity FCU leadership and staff at the Fireside Inn and Suites in Portland to elect the following individuals to the Board of Directors.
Sam Novick, Chair
Sam Novick, who previously served as Vice Chair, was re-elected to the Board of Directors for another term as Chair. Sam has a Bachelor of Science degree in Accounting from Bentley College and has served as the President of HUB Furniture Company since 1984. He has a long history of community involvement holding leadership roles such as President of Portland Kiwanis Club, President of Temple Beth El, Board Member of United Way of Greater Portland, among others. Sam is the first non-telephone worker to Chair Infinity FCU’s Board of Directors in over 20 years.
Kate Caron, Vice Chair
Kate Caron, an incumbent, served as an Associate Director the previous year. Kate attended the University of Maine in Presque Isle, studying Business Administration and Law. She is a licensed real estate agent working for The Real Estate Network. Kate volunteers for the community, in her local Middle school, and business organizations. She enjoys volunteering, gardening, reading and designing.