Fargo account - Paze SM is only available with participating online businesses, and cannot be used at physical business locations. Some businesses may require that an account be created with them before Paze SM can be used at checkout. Enrollment in Wells Fargo Online ® is required. Terms and conditions and certain eligibility criteria apply.

 
2023 Tax Forms •1099-DIV will mail by January 31. Accounts with less than $10 total dividends in 2023 will not receive a 1099-DIV. •1099-INT, MISC and NEC will mail by January 31 •1099-B will mail by February 15 •1042-S will mail by March 15 Tax forms are available online within 3 business days after they are mailed.. Spot the international space station

Apr 1, 2024 · Complete these steps to get the $525 bonus*: Offer expires April 1, 2024 and is available for new savings customers only. 1. Open. At a Wells Fargo branch, open a new eligible consumer savings account with a minimum opening deposit of $25 by April 1, 2024. You must provide the bonus offer code to the banker at the time of account opening. Get your account balance at a non-Wells Fargo ATM. Fee. $2.50 per inquiry. Additional Information. Non-Wells Fargo ATMs are ATMs that are not owned or operated by Wells Fargo or are not prominently branded with the Wells Fargo name and logo. Wells Fargo may charge a fee for each inquiry or transaction made at a …Wells Fargo’s standard overdraft fee is $35 and can be charged three times a day. The bank got rid of overdraft protection transfer fees and returned item fees.Wells Fargo's litigation fees for its fake account scandal far exceed settlement costs to date. By clicking "TRY IT", I agree to receive newsletters and promotions from Money and i...Applicable outgoing or incoming wire transfer service fees apply, unless waived by the terms of your account. Your mobile carrier’s message and data rates may apply. For more information, see the Wells Fargo Online Access Agreement and your applicable account fee disclosures for other terms, conditions, and limitations.The length of time Online Statements are available to view and download varies depending on the product: up to 12 months for auto loans; up to 2 years for credit cards, home equity lines of credit, and personal loans and lines of credit; and up to 7 years for deposit accounts, home mortgage accounts, and trust and managed investment accounts.Mar 6, 2024 · Wells Fargo Everyday Checking: Earn $325. Wells Fargo calls Everyday Checking its “best checking account for managing day-to-day financial needs.”. The account features free transactions at ... Install. About this app. arrow_forward. Account Management. •Access your cash, credit, and investment accounts with Fingerprint Sign On¹ … You must promptly bring your account to a positive balance. Wells Fargo Bank, N.A. Member FDIC. QSR-04122025-6020324.1.1. LRC-1023. There are specific eligibility requirements when you apply online or visit a branch to apply in person. Make sure you have the information and documents you need to open or close a bank account. 3. Mobile deposit is only available through the Wells Fargo Mobile ® app on eligible mobile devices. Deposit limits and other restrictions apply. Some accounts are not eligible for mobile deposit. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply. The City of Fargo Account System. Users must create a City of Fargo account to use this system. Create New Account. Create a New Account. City of Fargo, North Dakota, United …Enrollment options. Online: Sign on. Sign on to Wells Fargo Online. and use the Transfer & Pay tab to Pay WF Accounts. By phone: Read and agree to the Terms and Conditions; and call us at 1-866-386-8519. By fax: Download and complete the enrollment form (PDF); fax it to 1-866-287-6241.Wells Fargo re-imagines traditional open for business sign. The‘open’ sign display at their entrance, has been given a new lease of life. As businesses battle to recover following ...Savings account: A savings account allows you to accumulate interest on funds you've saved for future needs. Interest rates can be compounded on a daily, weekly, monthly, or annual basis. Savings accounts vary by monthly service fees, interest rates, and account features. Understanding the account’s terms and benefits will …Savings account: A savings account allows you to accumulate interest on funds you've saved for future needs. Interest rates can be compounded on a daily, weekly, monthly, or annual basis. Savings accounts vary by monthly service fees, interest rates, and account features. Understanding the account’s terms and benefits will …The Wells Fargo cross-selling scandal was caused by creation of millions of fraudulent savings and checking accounts on behalf of Wells Fargo clients without their consent or knowledge … 1. You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO ® Score available, and enrolled in Wells Fargo Online ®. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. Contact Wells Fargo for details. 1. Open. At a Wells Fargo branch, open a new eligible consumer savings account with a minimum opening deposit of $25 by April 1, 2024. You must provide the bonus offer …For example, Wells Fargo charges a fee for a balance inquiry at non-Wells Fargo ATMs. You can avoid this fee by using a Wells Fargo ATM, and you can get the same balance information with your phone using our Wells Fargo Mobile app 1 or by calling us anytime at 1-800-869-3557 (1-800-TO-WELLS). When you need money from your account, but you …Mobile carrier’s message and data rates may apply. See Wells Fargo’s Online Access Agreement for more information. Deposit products offered by Wells Fargo Bank, N.A. Member FDIC. QSR-0423-02868. LRC-0323. Find answers to frequently asked questions about your available balance, account history, legal order … With Wells Fargo Online you can securely access your accounts, manage your investments, pay bills, and view statements. Wells Fargo does not charge a fee to send or receive money with Zelle ®. From $25.00*. *Fees may be waived if funded from an eligible account type. $8.00 or less. Delivery speed. Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle ®. Same day for domestic wires.The logo of Wells Fargo. The Wells Fargo cross-selling scandal was caused by creation of millions of fraudulent savings and checking accounts on behalf of Wells Fargo clients without their consent or knowledge due to aggressive internal sales goals at Wells Fargo. News of the fraud became widely known in late 2016 after various regulatory bodies, …Be a part of the Bell family. Whether for you or a business, we offer a wide-variety of services from bank accounts, loans, home lending, and much more!The Annual Percentage Rate (APR) shown is for a personal loan of at least $10,000, with a 3-year term and includes a relationship discount of 0.25%., Your actual APR may be higher than the rate shown. To be eligible for a personal loan, you are required to have an open Wells Fargo account for at least 12 months.For example, Wells Fargo charges a fee for a balance inquiry at non-Wells Fargo ATMs. You can avoid this fee by using a Wells Fargo ATM, and you can get the same balance information with your phone using our Wells Fargo Mobile app 1 or by calling us anytime at 1-800-869-3557 (1-800-TO-WELLS). When you need money from your account, but you … If you are having trouble logging in, please call the circulation desk at (701) 241-1472. To receive the disclosed Portfolio Relationship Interest Rate/Annual Percentage Yield (APY) the eligible account must remain linked to a Portfolio by Wells Fargo ® program. If the Portfolio by Wells Fargo ® program is closed for any reason or the eligible savings account or time account is de-linked, the account will revert to …1. There's no monthly service fee to use Bill Pay. Account fees (e.g., monthly service) may apply to your account (s) that you make Bill Pay payments from. We don’t charge overdraft fees on Bill Pay transactions, but Bill Pay transactions can contribute to overdrafts. For example, if a Bill Pay payment reduces the available balance in your ...Shopping for a new car can be a daunting task. With so many dealerships and options to choose from, it can be difficult to know where to start. Corwin Auto Fargo is a great option ...Some restrictions may apply. Wells Fargo Equipment Finance is the trade name for certain equipment leasing and finance businesses of Wells Fargo Bank, N.A. and its subsidiaries. Equipment financing transactions are provided in Canada by Wells Fargo Equipment Finance Company. PAR-0823-00244. Monthly service fee. $25 monthly service fee can be avoided with $20,000 or more in statement-ending qualifying balances. Opens Dialog. in your linked accounts. For balances above $250,000, consider a Wells Fargo Premier Checking account with our premier level of relationship banking benefits. Minimum balance. 2. Direct Pay access costs $10 per monthly billing cycle for each business enrolled. There is no fee for Direct Pay payments made to Wells Fargo personal bank accounts. Direct Pay payments to non-Wells Fargo personal bank accounts are $0.50 per payment. Direct Pay payments made to business bank accounts are $3 each. 3.To receive the disclosed Portfolio Relationship Interest Rate/Annual Percentage Yield (APY) the eligible account must remain linked to a Portfolio by Wells Fargo ® program. If the Portfolio by Wells Fargo ® program is closed for any reason or the eligible savings account or time account is de-linked, the account will revert to …Wells Fargo customers can now deposit cash from any of the bank’s 13,000 ATM machines across the US using the bank's mobile app. By clicking "TRY IT", I agree to receive newsletter...Get Started. Deposit products offered by Wells Fargo Bank, N.A. Member FDIC. QSR-03212025-5969647.1.1. My Spending Report, Wells Fargo’s free online money management tool, tracks purchases made with your Wells Fargo accounts. Sign up for Wells Fargo Online to access.Enter the amount and select a funding account. The maximum amount you can wire from your Wells Fargo account is listed here. If you have multiple Wells Fargo accounts, select the account from which you want to wire money (e.g., your Savings or Checking account). If you need to wire more than your limit, go to your nearest Wells …The logo of Wells Fargo. The Wells Fargo cross-selling scandal was caused by creation of millions of fraudulent savings and checking accounts on behalf of Wells Fargo clients without their consent or knowledge due to aggressive internal sales goals at Wells Fargo. News of the fraud became widely known in late 2016 after various regulatory bodies, … 1. You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO ® Score available, and enrolled in Wells Fargo Online ®. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. Contact Wells Fargo for details. You must promptly bring your account to a positive balance. Wells Fargo Bank, N.A. Member FDIC. QSR-04122025-6020324.1.1. LRC-1023. There are specific eligibility requirements when you apply online or visit a branch to apply in person. Make sure you have the information and documents you need to open or close a bank account.Savings account: A savings account allows you to accumulate interest on funds you've saved for future needs. Interest rates can be compounded on a daily, weekly, monthly, or annual basis. Savings accounts vary by monthly service fees, interest rates, and account features. Understanding the account’s terms and benefits will …If the Everyday Checking account isn’t right for you, Wells Fargo offers a few other checking options: Wells Fargo Clear Access Banking. The account is free for kids and students age 13 to 24, and it doesn’t charge insufficient funds fees, but it lacks check-writing capabilities. Wells Fargo Prime Checking.Wells Fargo calls Everyday Checking its “best checking account for managing day-to-day financial needs.” The account features free transactions at Wells Fargo ATMs, mobile …Wells Fargo may require two-factor authentication to confirm your identity when completing certain transactions or changes online. Customers can add an additional layer of security to their accounts by activating Wells Fargo's 2FA feature, 2-Step Verification at Sign-On. Once activated, you will be prompted to enter an access code as part of ...Additionally, if you did not receive a notice of the deposit hold at the time you made the deposit and the check you deposited is paid, we will refund any fees that were charged due to the deposit hold. To obtain a refund of such fees, call the appropriate number below: Consumer Accounts 1-800-869-3557. Business …About Wells Fargo. Wells Fargo is one of the largest banks in the United States, with approximately $1.9 trillion in balance sheet assets. The company has four primary segments: …Savings account: A savings account allows you to accumulate interest on funds you've saved for future needs. Interest rates can be compounded on a daily, weekly, monthly, or annual basis. Savings accounts vary by monthly service fees, interest rates, and account features. Understanding the account’s terms and benefits will …Your credit score impacts your ability to get car loans, secure a mortgage and more. Keep reading to learn about the various ways to check your credit. Your credit score is based o...Wells Fargo offers Way2Save and Platinum Savings accounts, but their interest rates are subpar Samantha (Sam) Silberstein, CFP®, CSLP®, EA, is an experienced financial consultant. She has a ...Wells Fargo account numbers. Wells Fargo account numbers range from nine to 13 digits long. Discover Wells Fargo account numbers through checks, online banking, or mobile banking. Wells Fargo Bank, N.A. Member FDIC. QSR-0523-00951. LRC-0423. Manage your banking online or via your mobile device at wellsfargo.com. With the Wells Fargo Mobile® banking app, access your checking, savings and other accounts, pay bills online, monitor spending & more. 2. Mobile deposit is only available through the Wells Fargo Mobile® app. Deposit limits and other restrictions apply. Some accounts are not eligible for mobile deposit. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.Deposit at least $25 into that new account by April 1, 2024. Wells Fargo earned 3.6 out of 5 stars in Bankate’s review. Wells Fargo has its headquarters in San Francisco. SoFi Bank: Up to $300 bonusManage Products and Account Information; Support. Americas +1 212 318 2000. EMEA +44 20 7330 7500. ... Wells Fargo’s Colin Langan said. And in 2025, it’ll be worse yet: …Wells Fargo has decided to maintain its Equal-Weight rating of Centene (NYSE:CNC) and lower its price target from $79.00 to $71.00. Shares of Cent... Wells Fargo has decided to mai...How do I access my Wells Fargo accounts online? What should I do if my password is suspended? How do I change my username and/or password? How do I change or add …Wells Fargo Routing Number by State. Your Wells Fargo ABA routing number will be based on the state in which you opened your account, just look for it on the table below and you’re done. State. ABA Routing Number. Alabama. 062000080. Alaska. 125200057. Arizona.You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO ® Score available, and enrolled in Wells Fargo Online ®. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. Contact Wells Fargo for details.Get key transaction, reconciliation, and dispute information for all of your card payment streams including credit, debit, and gift cards. To access Business Track, visit www.businesstrack.com. If you need to enroll in Business Track, please call the Business Track Help Desk at 1-800-285-3978, Monday - Friday, 5:00 am - 7:00 pm, Pacific Time.Wells Fargo Login is the secure and convenient way to access your Wells Fargo accounts online. Whether you need to check your balance, transfer money, pay bills, or deposit checks, you can do it all with Wells Fargo Online. Enroll today and enjoy the benefits of banking with Wells Fargo.29 Oct 2014 ... All Replies (4) · Go to the url about:permissions · search for "wellsfargo" · click "Forget Site" · Restart Firefox ...For Wells Fargo Advisors accounts. For help with a new account, please call us at. 1-866-243-0931. Mon – Fri: 8:30 am – 9:30 pm. Eastern Time For existing Wells Fargo Advisors account questions. Please contact your Financial Advisor or call us at 1-866-281-7436. Mon – Fri: 8 am – 12 am.Mobile and online banking with Wells Fargo. Account Activity. Print. Share. Manage your money online. Need up-to-date information on your accounts? Done. Quick access to your money. …Wells Fargo debit card transaction. Fee. Withdraw cash at non-Wells Fargo ATM overseas. 5 USD + fees may be charged by the ATM owner/operator. International Purchase Transaction Fee — make a purchase in a foreign currency. 3% of the amount. Over the counter debit card cash disbursement — …To open a WellsTrade account or ask questions, call 1-877-573-7997. For existing brokerage accounts, call 1-800-TRADERS ( 1-800-872-3377) 1. $0 per trade is applicable to commissions for online and automated telephone trading of stocks and exchange-traded funds (ETFs). For stock and ETF trades placed with an agent over the telephone, a $25 ...The Wells Fargo cross-selling scandal was caused by creation of millions of fraudulent savings and checking accounts on behalf of Wells Fargo clients without their consent or knowledge …The 4 Wells Fargo checking account options are¹: Clear Access Banking. Everyday Checking. Prime Checking. Premier Checking. All of these checking account …With your Wells Fargo Debit Card, you can access money from the primary linked checking account by using it to make purchases. You can also get cash, transfer funds, make deposits and more at Wells Fargo ATMs, and get cash at non-Wells Fargo ATMs that participate in the Visa and Plus networks.. Types of Debit Cards. Debit Card. Customers …Enrollment with Zelle ® through Wells Fargo Online ® or Wells Fargo Business Online ® is required. Terms and conditions apply. U.S. checking or savings account required to use Zelle ®. Transactions between enrolled users typically occur in minutes. For your protection, Zelle ® should only be used for sending money to friends, family, or ...Wells Fargo Routing Number by State. Your Wells Fargo ABA routing number will be based on the state in which you opened your account, just look for it on the table below and you’re done. State. ABA Routing Number. Alabama. 062000080. Alaska. 125200057. Arizona.MoneyGram ® - Include your 17-digit Wells Fargo Auto account number and Receive Code 2459. The company name is Wells Fargo Auto. Please note: Third-party fees may apply. Western Union ® - Include your 17-digit Wells Fargo Auto account number, Western Union City Code WF Auto Finance, and State Code PA. Please note: Third-party fees may apply.30 Jul 2023 ... GET A FREE $300 CHECKING ACCOUNT BONUS WITH WELLS FARGO CHECKING ACCOUNT PROMOTION! https://rb.gy/hxyg0 In this video, I am showing you how ...PM-12212024-5763885.1.1. LRC-0623. Wells Fargo Advisors has Education Savings Accounts for funding education expenses. For more information, call 1-866-243-0931.Wells Fargo Employees will need employee ID, usernames, and passwords to access accounts Continue. QSR-01272025-5841402.1.1. LRC-0723. For Wells Fargo team members; safe, secure access to Teamworks – anytime, anywhere.To receive the disclosed Portfolio Relationship Interest Rate/Annual Percentage Yield (APY) the eligible account must remain linked to a Portfolio by Wells Fargo ® program. If the Portfolio by Wells Fargo ® program is closed for any reason or the eligible savings account or time account is de-linked, the account will revert to …Wells Fargo & Co. (NYSE: WFC) plans to close two more branches in the Charlotte region, according to recent filings with the Office of the Comptroller of the Currency. The …30 Jun 2023 ... On this video, I show you how to see your routing number on the Wells Fargo app online. You can also find your account number in the same ...The Premier Checking account has a $35 monthly service fee. The fee can be avoided each fee period with $250,000 or more in statement-ending qualifying linked (a) consumer bank deposit account balances (checking, savings, time accounts (CDs), FDIC-insured IRAs) and (b) investment account balances (investments available through our affiliate …29 Oct 2019 ... How To Find Wells Fargo Account Number In App __ New Project Channel: https://www.youtube.com/@makemoneyAnthony?sub_confirmation=1 ___ ...Deposit at least $25 into that new account by April 1, 2024. Wells Fargo earned 3.6 out of 5 stars in Bankate’s review. Wells Fargo has its headquarters in San Francisco. SoFi Bank: Up to $300 bonusWells Fargo does not charge a fee to send or receive money with Zelle ®. From $25.00*. *Fees may be waived if funded from an eligible account type. $8.00 or less. Delivery speed. Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle ®. Same day for domestic wires.View eBills within your Bill Pay service, or print whenever it’s convenient. Automatic payment can take place even when monthly amount changes. When using Bill Pay, you can set up to receive eBills for payees offering electronic billing. 1. There's no monthly service fee to use Bill Pay. Account fees (e.g., monthly service) may apply to your ...With your Wells Fargo Debit Card, you can access money from the primary linked checking account by using it to make purchases. You can also get cash, transfer funds, make deposits and more at Wells Fargo ATMs, and get cash at non-Wells Fargo ATMs that participate in the Visa and Plus networks.. Types of Debit Cards. Debit Card. Customers …Enrollment in Wells Fargo Online ® Wires is subject to eligibility requirements, and terms and conditions apply. Applicable outgoing or incoming wire transfer service fees apply, unless waived by the terms of your account. Your …The Premier Checking account has a $35 monthly service fee. The fee can be avoided each fee period with $250,000 or more in statement-ending qualifying linked (a) consumer bank deposit account balances (checking, savings, time accounts (CDs), FDIC-insured IRAs) and (b) investment account balances (investments available through our affiliate … Manage digital wallets 2. 1. Turning off your card is not a replacement for reporting your card lost or stolen. Contact us immediately if you believe that unauthorized transactions have been made. Turning your card off will not stop card transactions presented as recurring transactions or the posting of refunds, reversals, or credit adjustments ... When it comes to finding the perfect vehicle, Corwin Auto Fargo is the place to go. Located in Fargo, North Dakota, Corwin Auto Fargo has been providing quality vehicles and excell...Wells Fargo raised its price target for the stock to $160 from $117. Wolfe Research also raised its price target based on the separation news, to $160 from $145, and valued the …You can’t cancel Wells Fargo accounts online. Instead, you’ll have to call customer service at 800-869-3557 or visit a local branch. Choose the option to speak to an agent, then let them know ...Sign in · For my personal use · For work or my business.If you have ever made electronic payments online, written a check or set up direct deposit, you have almost certainly used a bank routing number. As a large national bank, Wells Fa...

1. You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO ® Score available, and enrolled in Wells Fargo Online ®. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. Contact Wells Fargo for details. . Virus link checker

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To get a sense of where you stand compared to other Americans – the average checking account balance is just under $9,000, for instance – USA Today Blueprint broke …Step 2: Open the door to a financial care conversation. The topic of financial caregiving is sensitive, so it is vital that everyone involved feels comfortable talking candidly about the subject. To encourage open dialogue: Invite everyone who needs to be involved in the financial care process. Set a date and timeframe that works …Bryn Talkington, managing partner at Requisite Capital Management, Scott Wren, senior global equity strategist at Wells Fargo Investment Institute, and Ed Clissold, Ned Davis …Feb 19, 2024 · Both accounts have a monthly maintenance fee, but the Premier fee is higher. Additionally, the fee waiver criteria is also radically different. While you’ll need $20,000 plus in linked accounts to have the fee waived for Wells Fargo Prime Checking, this increases to $250,000 or more for Wells Fargo Premier Checking. Prime Checking fees and details. Monthly service fee. $25 monthly service fee can be avoided with $20,000 or more in statement-ending qualifying balances. Opens Dialog. in your linked accounts. For balances above $250,000, consider a Wells Fargo Premier Checking account with our premier level of relationship banking benefits.Applications will now be live to all U.S. renters thanks to Wells Fargo's new partnership with Bilt. Update: Some offers mentioned below are no longer available. View the current o...View eBills within your Bill Pay service, or print whenever it’s convenient. Automatic payment can take place even when monthly amount changes. When using Bill Pay, you can set up to receive eBills for payees offering electronic billing. 1. There's no monthly service fee to use Bill Pay. Account fees (e.g., monthly service) may apply to your ...Wells Fargo offers Way2Save and Platinum Savings accounts, but their interest rates are subpar Samantha (Sam) Silberstein, CFP®, CSLP®, EA, is an experienced financial consultant. She has a ...2 Jan 2024 ... How to CREATE Wells Fargo Bank Account 2024 - (VERY EASY!) ✨ Welcome to the simplicity of online banking with Wells Fargo!How you're covered with account protections. 1. With Zero Liability protection, you won't be held responsible for promptly reported unauthorized card transactions, subject to certain conditions. For more information about liability for unauthorized transactions, review either your applicable Consumer Credit Card Customer …Wells Fargo Active Cash® Credit Card. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months1. Don’t miss out on these offers as they can vary over time and through different communication channels such as email, mail, online, phone or in a branch. Apply now on this page to take advantage of …Call 1-800-642-4720 or visit a Wells Fargo location . 1. Additional terms and conditions apply. Balance transfers have no grace period. If your card earns rewards through Wells Fargo Rewards ®, rewards will not be earned on balance transfers. If you transfer amounts owed to another creditor and maintain a balance on this credit card account ...29 Oct 2014 ... All Replies (4) · Go to the url about:permissions · search for "wellsfargo" · click "Forget Site" · Restart Firefox ...Zelle ® is a fast, safe and easy way to send money to, and receive money from, people and eligible small businesses you know and trust who have a bank account in the U.S. -- typically in minutes when both sender and receiver are already enrolled with Zelle ® at their financial institution or in the Zelle ® app 1. online.wellsfargo.com Wells Fargo student loan borrowers will be transferred to a company called Firstmark in the coming months. Here's what they should look for. By clicking "TRY IT", I agree to receiv...Wells Fargo offers Way2Save and Platinum Savings accounts, but their interest rates are subpar Samantha (Sam) Silberstein, CFP®, CSLP®, EA, is an experienced financial consultant. She has a ...8 Sept 2016 ... Regulators say 'widespread illegal practice' around account openings ... & Co. was slapped with a $185 million fine Thursday for “widespread ....

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