YieldBank

 

Introducing iYield & Yield Bank

Decentralized Finance has revolutionized the cryptocurrency industry. Developers and project teams have shaped what is becoming the financial future of self-money management, yield farming and financial economics well past traditional cryptocurrency trading. Opening doors to economical avenues that were not available to the average cryptocurrency user and the world. The iYield team plans to bring to market these avenues to the masses of the cryptocurrency community. We seek mass adoption, coupled with extreme longevity to become the largest Decentralized Finance yield aggregator in the space. We will achieve this with some of the highest professionals in the industry, alongside of our partners.

Yield Bank has set out to create an ecosystem that will yield the highest yet safest yields an individual user can achieve. To give insight to our plans, we plan to offer a native token that allows access into our ecosystem. The token is a deflationary token with properties not quite seen in the market before. Its liquidity provided is irrevocable through its smart contracts. Thus creating a Liquid Level (LL) — a key level created to assist market price decomposition. This creates a new marketplace for its derivative — the LP Token. This process will stabilize market pricing while creating a higher market value, in addition to offering passive income to the Infinitely Locked Liquidity (ILL) provider. This will allow for staking on our Yield Bank platform, in conjunction as registration to an individual account propriety to the user (more on individual account propriety later).

Our native Token yB, when staked, will produce monetary rewards of our associated Token yCASH on open markets backed by our liquidity pools chosen from our data driven research. Token yCASH, also a deflationary token will act as our staking rewards token from Token yB. Token yB represents the key to our entire ecosystem as without it, you will not be a participant in our platform.

Users holding our platform token, yB, will be issued an internal account number. This account number will provide the user access to the Yield Bank platform. Inside the user’s interface the user will have everything they need under one roof. Users will have the ability to stake, trade LPs, lock-up in our vaults, save for retirement in our 401K accounts, swap coins with an internal AMM, generate, view, and print detailed statements of all the user’s transactions of their account.

These statements will show balances, profits, gas fees, transaction fees, assets allocated and more. This gives the users complete understanding of their financial situation without juggling between different platforms and the ability to adjust asset allocations into a variety of our offered products for greater yields.

📡 🌐 We are launching a marketing campaign to build our user base and community in a slow, procedural and organic manner. We have a set of articles in the pipeline that will further reveal the full scope of our project leading up to the ILL Episode as well as a complete whitepaper.

Follow us on any of our social media accounts to stay updated. ILL Episode date will be announced in the coming weeks.

The article and any other associated content of Yield Bank does not constitute as financial advice. Cryptocurrencies are a high risk investment and may not be suitable for all members of the public and all types of investors. This is an experiment in DeFi yield aggregating to bring longer and steadier yields to its users.

Next article coming up: List of key Yield Bank features

Website: yieldbank.finance

Medium: medium.com/@YieldBank

Twitter: twitter.com/YieldBank

Telegram Room: t.me/YieldBank

Telegram Announcement Channel: t.me/YieldBankAnnouncements

Discord: discord.gg/4DrKFzJ

Email: social@yieldbank.finance

Name:Bayanganhitam

https://bitcointalk.org/index.php?action=profile;u=2851798;sa=summary

POOLZ DEFI

 

INTRODUCTION

At present, all the platforms getting more genuine and worth arranged. The tremendous rising famous for decentralized joined, and cross-chain platform gives, notwithstanding, contention to all platforms. Poolz urges adventure holders to effectively and determinedly do pre-posting safe bargains. Poolz is a decentralized exchanging show and supports new Blockchain and cryptographic cash designers and moneylenders to viably interface with us. In a general sense, Poolz is an exchanging show, exchanging infers on the off chance that you give something or buy advanced money or some other thing you can moreover get something subsequently. Exchanging any platform grants changing unpaid obligations and conditions to get a great situation of current or anticipated future financial circumstances. As of now, new pioneer is going up against unusual tests on account of these changes.

INTRODUCING POOLZ PLATFORM

Poolz is a trustless crypto market offering new organizations liquidity with intend to start another undertaking from the scratch, in this manner annihilating any prerequisite for the incredibly advanced ICO and IEOs. The uniqueness of Poolz that separate it from the foundation of similar ascribes is that it offers to pool profiting for the pre-posting time of the errand, and existing assets.

FEATURES OF POOLZ DEFI:

1. Poolz DeFi is a completely Decentralized, non-custodial, trustless layer-3 Swapping Protocol.

2. Clients of Poolz DeFi will have the option to change the boundaries by their democratic force. That will be executed by its administration model.

3. Poolz DeFi is an open-source venture. In this way, everybody has secure admittance to its code.

4. Poolz Defi is a Decentralized venture. The only network can control it. The engineers can't abuse the undertaking.

5. It offers upgraded and improved agreement engineering.

6.The trendsetters will have a lesser gas charge for enrolling their pools contrasted with other market norms.

(POZ) TOKEN

POZ token: POZ token is an ERC20 token that can multipurpose utility limits. POZ token is used for help, adventure improvement, token devours, and Governance. It is a weighty and key instrument for both Liquidity Providers (LP) and Investors in Poolz Platform. Holding POZ token qualified them for a couple of open entryways in the stage. Budgetary authorities who contributed and hold POZ token can stake their token in the stage insightful arrangements for more compensation. Also, holding POZ token qualifies the holder for projecting a polling form right and participating in the stage organization.

POZ TOKENOMICS

(POZ) TOKEN SALE METRICS

Hard and fast (POZ) SUPPLY: 5,000,000

SEED SALE: 240,000 (POZ) offered at 0.455 USD

PRIVATE SALE: 360,000 (POZ) @ 1USD rate . Singular Cap can't go above $2500 USD where 20% is conveyed quickly the business day and 20% after a month of arrangements. The rest 60% conveyed in which 20% are conveyed for an extremely significant time-frame till the finish.

Closeout POOLZ: 150,000 Unit of POZ at the movement of $1.6USD

UNISWAP posting will be reported later on.

CONCLUSION

Poolz opens an imperative Decentralized Funding structure in Crypto Ecosystem. Poolz has created to disturb and decentralize the liquidity bargains system. The system has been arranged with the end goal that will encourage multi-chain interoperability which will fortify the Decentralized Financial structure (DeFi). Poolz platform will offer a cross-chain stage where adventure using diverse blockchain systems is allowed. Pool Creators will have the choice to Define their choice of blockchain while Creating Pool in the platform.

Get familiar with Poolz platform by following the official connections beneath:
Website: https://poolzdefi.com/
Discord: https://discord.gg/RgPjgUY
Medium: https://medium.com/@Poolz
Telegram: https://t.me/PoolzOfficialCommunity
Twitter: https://twitter.com/Poolz__
Join Poolz Community: https://t.me/PoolzOfficialCommunity
LitePaper: https://docs.poolzdefi.com/whitepaper/litepaper

Name:Bayanganhitam

https://bitcointalk.org/index.php?action=profile;u=2851798;sa=summary

AMEPAY

 

AMEPAY platform is highly flexible and is built to maximize utility

preliminary

Cryptocurrency is a currency based on cryptography or digital currency. Recently, investing in Cryptocurrency has begun to be in great demand and has started to get crowded since the popularity of bitcoin.

Many people are interested in investing in Cryptocurrency because it is considered to be able to provide great returns for investors.

In addition to the big advantages, investing in Cryptocurrency is considered safer because this currency is secured by a cryptographic system so that it cannot be counterfeited and not easily hacked.

Before we decide to invest in cryptocurrency or digital currency, here are some of the advantages it has.

Speed ​​and Ease

The first advantage of Cryptocurrency is about speed and also convenience. Cryptographic currencies were deliberately created as a solution to the complexity of financial transactions and conventional banking. By using Cryptocurrency, we can make transactions more quickly and practically.

For example, to make a transfer to an overseas account, we usually have to make the transaction on working days and hours. As for transactions using Cryptocurrency, we can do it at any time without having to wait for working hours and days.

Security

The second factor that attracts investors in cryptographic or digital currencies is security. Security is very important considering that lately there have been many hacks and data thefts. Parties such as banks that we trust to ensure the confidentiality of their customer data can leak this data to other parties. Because of that, some people prefer to hide their identity when transacting.

Potential increase in currency prices

The advantage of the third cryptocurrency is the potential for a huge increase in the value of the currency. This of course will benefit the owners of this currency.

The potential for this price increase is what often makes people tempted to invest in Cryptocurrency.

Avoid money counterfeiting

Counterfeiting paper money is no longer a new thing in the world. Irresponsible people make transactions using counterfeit money to buy things. Well, this cryptography-based currency is designed so that it is not easily hacked and used for transactions by others. Cryptocurrency cannot be counterfeited, so we as users feel safer.

Before we decide to invest in cryptocurrency or AMEPAY, here are some of the advantages it has:

About AMEPAY

Platform Features
Integration with existing businesses: Amepay will empower businesses with various solutions such as supplementary equipment, loyalty programs, data analytics, robust KYC processes, fraud detection, and many other solutions that will be continuously added.

Wallet:

Digital wallets that support popular fiat currencies and cryptocurrencies that allow people to be able to store or transact their assets safely and securely.

Low-fees:

Thanks to blockchain, Amepay can reduce fees, and only charge 1% for each transaction.

Data Analytics:

Businesses will be able to analyze various transactions and actions of customers with the help of Amepay tools.

Crypto-to-Fiat Transactions:

Amepay will allow users to be able to execute crypto-to-fiat transactions instantly. Thanks to AME tokens.

Inventory and Database Management:

This is a blockchain-based Inventory and Database Management solution which is very useful for businesses to manage their inventory.

Remittance:

A low-cost remittance solution that allows individuals working overseas to send money to their families safely and securely.

Rewards Program:

Every transaction made by users will be rewarded with AME tokens by the Amepay platform, which can then be exchanged for various goods or services.

AMEPAY WALLET

Access the Web wallet (or) download the Mobile wallet from Google Play Store (or) iOS App Store

AMEPAY Beneficiaries

Benefits for Everyone
AMEPAY takes everybody into account. Our holistic approach enables us to pass on benefits to all our esteemed stakeholders.

AMEPAY Users

AMEPAY users enjoy the following benefits:

An exciting loyalty program
Instant cashback
Easy access to a global marketplace
Execution of payments in cryptocurrency of their choice
Opportunity to purchase prepaid AME gift cards
Exploration of liquidity through an integrated exchange platform

AMEPAY Merchants

Merchants or Enterprises using AMEPAY enjoy the following benefits:
Exploration of a digital marketplace
Complete POS solution
In-built inventory management system
Simple and prompt crypto-to-fiat conversions
Protection against price volatility
Saving on expenditure due to minimum transaction fees

Third-Party Affiliates

Third-party aggregators can also make use of the AMEPAY infrastructure to enhance their capabilities.

AMEPAY will benefit them in the following ways:

Hassle-free entry into the cryptocurrency sector
Earn regular revenue through commissions and transaction fees
Appeal to a niche, but sizable group of seasoned cryptocurrency users

How do I buy?

You can contribute to their ICO by registering the link below

https://ico.amepay.io/register
Phase I starts 21st September - Buy with 100% Bonus

Phase II starts 10th October - Buy with 50% Bonus

Phase III starts 20th October - Buy with 25% Bonus

Acceptable currencies - BTC, ETH, XRP and Fiat

Minimum Purchase - 3000 AME Tokens

Number of tokens for sale in ICO - 450,000,000 AME (30%)

Ame Token

Ame Token is a cryptocurrency launched by the Amepay platform to facilitate payments and rewards for users. This token is the ERC-20 Ethereum which will support the operation of the platform. The following are details of Ame Token;

Token Allocation

Token Sale (Private & Public): 42%

Rewards: 30%

Founder Team: 12%

Marketing & Advisory: 10%

Reserved for Development: 6%

Fund Utilization
Platform & Core Product Development: 55%

Marketing & Business Development: 10%

Operations: 10%

Exchange Listing: 10%

Reserve: 8%

Legal: 7%

Fore More Information Please Visit :

Website: https://amepay.io
Facebook: https://web.facebook.com/Amepay-114622167001761
Twitter: https://twitter.com/ame_pay
Telegram: https: // t. me / amepay
ANN: https://bitcointalk.org/index.php?topic=5266054.new#new
White paper: https://amepay.io/static/theme-assets/whitepaper/amepay-whitepaper.pdf
Medium: https://medium.com/amepay
Reddit: https://www.reddit.com/user/Amepay

Name:Bayanganhitam

https://bitcointalk.org/index.php?action=profile;u=2851798;sa=summary

kittiefight

 

Cryptokitties Combat MMO With Lending Protocol Jackpots kittiefight mascot

Do you remember cryptokitties, the phenomenal blockchain-based game. Let’s look back at this game, Cryptokitties is a virtual block-based game that allows players to adopt, raise, and trade virtual cats. The game was created by Vancouver-based blockchain company Axiom Zen. However, what is really important to remember is that this is the first known DAPP application for recreation and recreation.
Cryptokitties sales have gone through the roof. People have spent over twelve million dollars buying these cryptokitties. There have even been reports of people making more money trading cyptokitties than investing in their IRA!

In late November 2017, design studio Axiom Zen launched CryptoKitties, a Pokemon-style game built on the Ethereum blockchain network. There, you can buy and collect virtual cats, and breed them in the hope of creating new cats with special attributes. The presentation may be said to be familiar, but every transaction there uses cryptocurrency.

Every digital cat in CryptoKitties belongs to the user entirely. They are only one in the whole game; cannot be duplicated, taken by others, or destroyed. The most special aspect of the game is its breeding system: when two cats are “matched”, the cubs are completely unique – including in appearance, biography and characteristics.

The kittens’ unique traits are the result of the 256-bit genomes of their parents, resulting in about four billion different genetic variations. Then why a cat? On its website, Axiom Zen explains jokingly: “Because cats are so hard to understand. They were the ambassadors of the Pharaohs, appearing in memes and on your mother’s Facebook page. Cats never discriminate, because they hate every human being fairly. ”
The game is equipped with 100 “Founder Kitties”. There is also a new ‘Gen 0’ cat that is released every 15 minutes, served at the average price of five sold plus a 50 percent discount. Their price will continue to fall within 24 hours until someone buys them. Players can also sell their cats via auction. You are welcome to set the starting and ending prices with the digital currency ETH (ether, cryptocurrency Ethereum).

So suppose I choose a starting price of 1 ETH and an ending price of 0 ETH, and then someone buys it within 12 hours of the auction starting, he pays me 0.5 ETH.
In order to breed them, you can specify the amount of ether so that other players can mate their cats with our digital pets, and henceforth, they are eligible for kittens. Alternatively, you can pay ether to pair her with another cat and get her kitten.

KittieFIGHT

Kitty fight is a game where cats/kittens fight each other based on crowd-based actions. Just like how the cheering crowd at a boxing match motives boxers to box, in the case of kittyFight, the crowd bet on each kitty they are in support of, causing their kitty the other opponent. The people/crowd choose which cat to bet on, resulting in action on the part of the chosen cat. The actions are random bets placed on the blockchain. The outcome of the betting results of each crowd participant causes events emitted from the blockchain api service to the front-end/UX resulting in kitty animation actions (punching, scratching, etc). The actions result in damage which is reflected in the opposing cat through vibration and or shaking or blocks.
When there is no action for 10 seconds [No events emitted from blockchain for 10 seconds], there are simulated actions called “idling actions-with sound and reaction” that are carried out by each kitty in turn. Basically, during the idling cycle kitties shadow box each other, and dodge the actions/hits with a slight ducking, but keeping the game interactivity and continuity going, to keep the game enjoyable without actual damage. The winner of the game is the kitty that sustained the least damage.

KittieFIGHT adds utility for Cryptokitties users and cut down on the oversupply of kitties on the Cryptokitties platform. It is also an interesting experiment in gamified demand in a Token economy utilizing a utility ERC 2O token called KTY, which is tightly integrated with with UNISWAP AMM. KTY has various fee burning and spending needs for game participation, without the need for users to directly hold KTY.

• Combat MMO game for Cryptokitties users.
• Game jackpots backed by Lending Protocol.
• Players drive combat by betting ETH.
• Games yields 10 times initial ETH jackpot.
• Gamified KTY Token demand economy with UNISWAP AMM.
• Decentralized Governance using Aragon DAO.
• Weekly yields to lenders, DAO stakers and game winners.
• UNSTOPPABLE, PROVABLY fair and TRANSPARENT Ethereum Dapp.

How its work??

KTY dutch auction.

The KTY dutch auction is the initial KTY distribution preceding Kittiefight Volcano Yield Farming launch that incentivizes on-chain liquidity. Users get to set the price off KTY by sending bids during a 4 week bidding period. Users can then receive +200% more KTY utility tokens and SDAO for providing KTY and WETH, ANT, yDAI,yYFI, yyCRV, yaLink, aLend, aSNX, yETH, aYfi , 2key, GNO, yETH liquidity on Uniswap tapping into potentially +$1.7 B USD worth of governance power without risk of impermanent loss. Learn more.

Dutch auction.

A dutch auction is an auction where a batch of tokens set set up to be sold to the public using a process that allows buyers to determine the price of the tokens. The process works like this :
Dutch auction tutorial.

https://www.youtube.com/watch?v=4xO4jeQrGi0.

Imagine a batch of tokens is set up in a smart contract with the following guiding parameters about the sale:

ADVERTISEMENT

• Start date
• End Date
• Start price
• Minimum price
• Number of tokens to be sold
• Tokens to be sold

Imagine that a scarce resource batch of 100 tokens are to be sold at a starting price of $10 each and minimum price at $1, with the price gradually decreasing every second towards the $1 mark and over a predetermined auction duration time.

Bidders send bids at specific times and price points. Bids represent total money buyers willing to pay for an allocated number of tokens at a specific price point during a specific time in the auction duration.

Some people may buy the token at $7 really early or $5, $4, most at $3 and the token sells out at $2.5. The Exciting thing is that every one gets to pay $2.5 per token, balancing first mover advantage with democratic price allocation. This auction process makes it a fair way to make sure everyone who really wanted the limited available tokens, got them and everyone else is happy with the price. KTY Token will be distributed in the fair manner described above allowing early holders to acquire our tokens for use in the KTY Volcano yield mining program to earn even more KTY and SDAO tokens as the main KittieFIGHT lending and gaming protocol is launched unto the Ethereum Main net.

KTY Yield Farming.

The KittieFIGHT Yield Farming Volcano Faucet distributes KTY and SDAO tokens to Yield Farmers who provide liquidity on Uniswap V2 while staking uniswap liquidity pool tokens in the Volcano yield farming contract. The more liquidity you provide, and for longer, over 6 months program duration, the greater share of the KTY and SDAO token pools you receive. 7% (or 7,000,000 ) of the total fixed KTY token supply and 7% (or 7,000,000 ) of the total fixed SDAO token supply is allocated to the 6 month program duration. 10% (700,000 KTY & 700,000 SDAO) of the program allocations are auto awarded to yield farmers who participate within the first 7 days of the volcano program launch, and as long as they continue till the end of the program duration.

About KTY Gamified token.

KTY Token Utility.

KittieFIGHT DAO tokens and ETHER rewards.

For more information please visit links :

Website: https://www.kittiefight.io/
Whitepaper : https://www.kittiefight.io/whitepaper
Twitter: https://twitter.com/kittiefightHQ
Facebook : https://www.facebook.com/KittieFight-110975747423209
Telegram : https://t.me/Kittiefight_ANN
Telegram : https://t.me/KittieFIGHT_DeFi
Reddit: https://www.reddit.com/r/kittiefight
Discord : https://discord.gg/rgQ5F3R

Name:Bayanganhitam

https://bitcointalk.org/index.php?action=profile;u=2851798;sa=summary

DeFi Coin – Decentralized Finance Token

 

Review

DeFi Coin is a project that is focused on creating solutions within the banking and online payment sector. With the world changing at a speed of light, transactions of monies within the banking and online space need to become faster, and secure. We are looking to create a platform that unifies a few of these financial products through the use of blockchain-based systems. With our crypto wallet app, our community will be able to send, and receive cryptocurrencies through the use of email addresses and their wallets; they will also be able to track the prices of their portfolio with our app. Our technology will allow fast, easy, and secured transactions.

DeFi Coin Features

DeFi Coin has many promising features. For more details read our Whitepaper.

DFC Wallet/Card

With the DFC debit card, you will be able to make secure payments via your crypto at over 60 million retailers/ online stores worldwide.

DFC App

With the DFC App, you will be able to make online payments, convert your crypto, manage your accounts, and send crypto out at a discounted price.

DFC Exchange

DFC exchange can be connected to your DFC wallet in the app. Our team will be doing our best to make sure we only list coins with potential.

DFC Credit

You will be able to apply for a crypto credit card. Your line of credit will be based on collateral you possess in all of your combined crypto accounts.

DFC Staking

An on-chain protocol that enables users to participate in the collateralization of the DFC Network that powers real-time cryptocurrency to fiat conversions.

DFC Swapping

An automated protocol that lets users swap tokens or coins from the Ethereum network and enables participants to earn trading fees for providing liquidity.

Introducing Smart Solutions

Once you’ve entered into our ecosystem, you can manage everything. Anyone with a smartphone and an internet connection can participate in the global marketplace.

“Via our app, you will soon be able to make online payments, convert your crypto, manage your accounts, and send crypto out at a discounted price” (when you have a DFC balance on your account).

Token Sale

Here is the full detail of DeFi Coin , DFC Token ditribution and funds allocation.

Road Map

With help from our teams, contributors and investors these are the milestones we are looking forward to achieving.

Executive team

The DFC Team combines a passion for providing Coinholder value, industry expertise & proven record in finance, development, marketing & licensing.

For more information about DeFi Coin, pre-sales or to participate, please visit https://www.deficoin.eu/

Visit their Social media Platform for more information at:

website

whitepaper

Ann thread

Official social media

Twitter

Name:Bayanganhitam

https://bitcointalk.org/index.php?action=profile;u=2851798;sa=summary

SwapHub

 SwapHub performs a migration in which everyone who is part of the ecosystem earns all Uniswap LP tokens bet on SwapHub and exchanges each.

Project goal

All stakers do not need to do anything and will continue to receive liquidity to receive HUB token rewards in a clear and clear way. SwapHub uses a smart contract protocol where all SwapHub holders use the same Uniswap interface, so if your current protocol is Uniswap compatible, it will be easier and more reliable to integrate everyone in this way, making it relatively easy to integrate with SwapHub performance. Integrating the two services in a natural way on SwapHub allows anyone to start integrating SwapHub using multiple DeFi and other ecosystem tools. The SwapHub team will be rewarded with 5% so this team will be Sushiswap and another SwapHub. It is neutral, and users of the SwapHub community have more control over the reserves of the SwapHub ecosystem. The initial mining reward period is the first 200,000 blocks, for a total of about 5 weeks. During this period, 2x rewards are distributed per block. Join SwapHub mining. Since s stops at block 12,825,888, HUB tokens are not a problem as it gives everyone a chance to leverage during the bonus period and win in the near future with the total amount of HUB tokens. HUB issued per bet will be 220,000,000 HUB in about a year. Whether or not to issue additional tokens afterwards is determined by the governance of the community. Everyone has the right to vote, no matter how much SwapHub will switch teams. 

differential

SwapHub is developing the same design as the Uniswap protocol, so SwapHub is a resource that will benefit everyone in the community based on the design, as SwapHub team will complete and build SwapHub's own staking ecosystem based on: I want to add it. I'm trying to get as close to that effect as possible via the Uniswap protocol. So SwapHub from SwapHub to Phase 2 has already implemented Uniswap and other protocols in Phase 3 to form a SwapHub fund pool and exchange LPs just as Uniswap LP offers. Everyone can get exchanges and profits because in step 4 all users can provide DeFi ecosystem and borrow digital assets to enjoy the next generation DEX ecosystem SwapHub in this way in step 5 SwapHub with o Draft Protocol Incentives from Liquidity Providers On the decentralized SwapHub exchange, all users can receive rewards in the form of HUB tokens, and even if users no longer participate in liquidity provision, they can continue to provide liquidity to the pool. , They still deserve a portion of SwapHub's protocol fee by holding HUB tokens with wide incentives and being one of the first participants in liquidity support, and all users will become and develop into the protocol's main stakeholders. Growing CommunityThey still deserve a portion of SwapHub's protocol fee by holding HUB tokens with wide incentives and becoming one of the first participants in liquidity support. All users become a major stakeholder in the protocol and a growing community, they still deserve a portion of SwapHub's protocol fee by maintaining HUB tokens with wide incentives and becoming one of the first participants in liquidity support. All users become key stakeholders in the protocol and a growing community

MORE INFORMATION:

WEBSITE: https://swaphub.finance/

TWITTER: https://twitter.com/swaphubfinance

TELEGRAM: https://t.me/swaphub

DISCORD: https://discord.com/invite/fxTH8Pg

Name:Bayanganhitam

https://bitcointalk.org/index.php?action=profile;u=2851798;sa=summary