The list is drawn solely from a set of quantitative variables and information in the survey supplied by the advisers themselves. Their answer to global problems was technological convergence. Financial Advisors must be under the age of 40 as of August 2013. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one clients experience. 2011/10. 2015 Barron's Top 30 Institutional Consultants. They address the wrong narrative being used in the news media and clarify the right and wrong parties involved. Barrons is a registered trademark of Dow Jones & Company, L.P. All rights reserved. Source: Barron's.com (February 2013) Barron's Top 1,000 Financial Advisors: State-by-State ranking awarded in 2013. Nominees must be women retirement plan advisors with their own book of business. Finalists are entitled to receive paid airfare, conference registration, and three nights hotel accommodations to The ASPPA 401(k) SUMMIT. A Palestinian gunman retaliated, killing several in a civili Today on Insight, John and Josh Rosenstern discuss the Holocaust, as today is designated as the International Holocaust Remembrance Day. Barrons is a registered trademark of Dow Jones & Company, L.P. All rights reserved. Source: Barron's.com (April 2023) Barron's Top 100 Financial Advisors awarded in 2022. Source: PLANADVISER.com, January/February 2019. This evaluation was not based on a specific time period, but was conducted by Five Star Professional (FSP) that considered, among other factors, the following: 2018 Forbes America's Top Wealth Advisors. 2017 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms. This ranking is not indicative of the Financial Advisors future performance. Nominations from the list were provided by NAPA Broker-Dealer/RIA Firm Partners. Elton john net worth? Source: Barron's.com (June 2008) 2008 Barron's Top 100 Women Financial Advisors ranking awarded in 2008. This ranking is not indicative of the Financial Advisors future performance. John Rosenstern is a financial advisor operating out of Baton Rouge, Louisiana, with 29 years of financial industry experience. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one clients experience. Barrons is a registered trademark of Dow Jones & Company, L.P. All rights reserved. For more information, see www.SHOOKresearch.com. Source: Washingtonian, November 2012. Source: Maryland Daily Record, "Top 100 Women",1998, 2004 and 2007. Know how to make the most of your windfall. 2018 Forbes Best-In- State Wealth Advisors. For more on methodology please go to www.ft.com/reports. Source: napa-net.org (November 2021) awarded in 2021. This ranking was determined based on an evaluation process conducted by Barron's during the period from Mar 2010 - Mar 2011. He learned so many interesting things in his entire life. Draft. Jim Woolsey is the director of Foreign Translation at Jimmy Swaggart Ministries and has travelled the world relaying the message of the Cross. Nominations from the list were provided by NAPA Broker-Dealer/RIA Firm Partners. On Wall Streets Top 75 Branch Managers 2018. This ranking is not indicative of the Financial Advisors future performance. This ranking is not indicative of the Financial Advisors future performance. Barrons is a registered trademark of Dow Jones & Company, L.P. All rights reserved. Investment performance is not a criterion. Source: Barron's.com (April 2022) 2022 Barron's Top 100 Institutional Consulting Teams ranking awarded in 2022. For more information, see www.SHOOKresearch.com. For more information on ranking methodology, go to www.WCorg.com. These criteria are utilized for each of the categories in which this award is given. Ratings are based on the opinion of the Financial Times and may not be representative of any one clients experience nor indicative of the financial advisors future performance. Barrons is a registered trademark of Dow Jones & Company, L.P. All rights reserved. Investment performance is not a criterion. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to NAPA to obtain or use the ranking. John Rosenstern was born in the United States and raised in a Christian home. And during that time, his wife has been quite caring and supportive of him. This ranking is not indicative of the Financial Advisors future performance. Like his father and grandfather, Gabriel has a passion to win the lost through the preaching of the message of the Cross. Neither Morgan Stanley Smith Barney LLC nor its Advisors have paid a fee in exchange for this listing. Copy. Nominees were required to submit responses to an application comprised of a series of quantitative and qualitative questions about their experience, size and composition of their practice, awards and recognitions, and industry contributions, which were then reviewed by a panel of senior advisor industry experts, who, based on those criteria, and following a broker-check review, selected the top young advisors. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. John Rosenstern - Historical records and family trees - MyHeritage Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to NAPA to obtain or use the ranking. Morgan Stanley Smith Barney LLC does not pay a fee to Reuters in exchange for the rating. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. This ranking was determined based on an evaluation process conducted by Barron's during the period from Mar 2016 - Mar 2017. Investment performance is not a criterion. REP. Magazine's Top 40 Wirehouse Advisors Under 40 2013. Source: Barron's.com (April 2011) 2011 Barron's Top 100 Financial Advisors awarded in 2011. 2023 Forbes Americas Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State Source: Forbes.com (August 2023) Forbes America's Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-In-State ranking awarded in 2023. He was born March 15, 1935, in Ferriday, Louisiana, U.S. Swaggart is the Pastor of Family Worship Center, in Baton Rouge Louisiana, a multi-cultural, interdenominational, Full Gospel Church. 2015 NAPA's Top Retirement Plan Advisors Under 40 (Young Guns). Source: napa-net.org (November 2020) awarded in 2020. This ranking was determined based on an evaluation process conducted by Barron's during the period from Dec 2013 - Dec 2014. This evaluation was not based on a specific time period, but was conducted by Five Star Professional (FSP) that considered, among other factors, the following: 2019 Forbes America's Top Wealth Advisors. This ranking was determined based on an evaluation process conducted by NAPA during the period from Aug 2014 Aug 2015. Today and for the years to come. The rating is not indicative of the Financial Advisors future performance. He passed with good scores in high school. Nominations from the list were provided by NAPA Broker-Dealer/RIA Firm Partners. Hosted by John Rosenstern and his son Josh Rosenstern this program is is sure to bring the days events to light in a manner like no other. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 6/30/19 - 6/30/20. Investment performance is not a criterion. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. I was saved as a child and grew up watching the Jimmy Swaggart Telecast. 2023 Forbes Americas Top Wealth Management Teams Source: Forbes.com (November 2023) Forbes Americas Top Wealth Management Teams ranking awarded in 2023. Source: Forbes.com (July 2018) 2018 Forbes Top 1,000 Next Gen Wealth Advisors ranking awarded in 2018. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one clients experience. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. China has been involved gr Today on Insight, John and Josh Rosenstern discuss tensions in the Middle East concerning the Israeli and Palestinian conflict. All credentials and designations are verified and nominee compliance records are verified. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC for placement on its rankings. Share Share with your friends 25:21 Insight - Feb. 24th, 2023 Insight - Feb. 24th, 2023. This ranking is based on a mixture of qualitative and quantitative measures, including tenure in the business, focus on retirement plan business as a percentage of practice revenue, willingness to serve in a fiduciary role to clients plans, and a review of essay answers and compliance records. Source: Research Magazines 130 Top-Ranked Advisor Teams in America, as identified by The Winners Circle, LLC, bases its rankings on qualitative criteria: professionals with a minimum of seven years financial services experience, acceptable compliance records, client retention reports, customer satisfaction and more. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one clients experience. This ranking was determined based on an evaluation process conducted by Barron's during the period from Sept 2014 - Sept 2015. He is a full-of-effort and determined person, which has helped him to achieve success. This ranking is based on quantifiable and objective criteria, including, but not limited to, AUM, compliance record, years of experience, AUM growth rate, industry certifications and online accessibility. 10 Top 1980s Bodybuilders - Then and Now - Tiger Fitness He is also a regular panel member on ". The Financial Times 400 Top Financial Advisors is an independent listing produced annually by the Financial Times (April 2019). Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Registered REP.'s List of Top 100 Wirehouse Advisors 2015. Ratings are based on the opinion of the Financial Times and may not be representative of any one clients experience nor indicative of the financial advisors future performance. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. Neither Morgan Stanley Smith Barney LLC nor Graystone Consulting pays a fee to Coalition Greenwich in exchange for the award; Graystone does not pay to have its clients participate in the study. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. 2010 Barron's Top 1,000 Financial Advisors: State-by-State. southern gospel singers that have died - bvritnext.com Despite the wars, and rumors of war going on in the world today, Christians should never allow fear to control their minds. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. Investment performance is not a criterion. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Barrons is a registered trademark of Dow Jones & Company, L.P. All rights reserved. John Rosenstern Net Worth-Biography, Wife & Career. Insight - SBN Enjoy enhanced travel protection and avoid foreign transaction fees with a CashPlus Brokerage Account. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. This ranking is not indicative of the Financial Advisors future performance. 23 Episodes 25:20 This ranking was determined based on an evaluation process conducted by Barron's during the period from Sept 2018- Sept 2019. 2019 PLANSPONSOR Retirement Plan Adviser of the Year. For more on methodology please go to www.ft.com/reports. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to the Financial Times in to obtain or use the ranking. 2021 Forbes Best-In- State Wealth Advisors. He is the founder and president of Rosenstern Ministries, an organization dedicated to spreading the gospel of Jesus Christ and training leaders for the Kingdom of God. This ranking was determined based on an evaluation process conducted by ISS Media during the period from 1/1/10 12/31/10. In the initial stage, his career was incredibly difficult. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one clients experience. Worth editors receive thousands of nominations nationwide from Worth readers and investment professionals. NABCAPs evaluation and ranking program (including the evaluation and validation process and the list of NABCAP Premier Advisors) is an independent third-party assessment based on objective, unbiased questions (the ""Program""). Rankings are based on the opinions of Barron's and this ranking may not be representative of any one clients experience. To be considered, firms had to submit responses to an application form, including information about their practices, notably their defined contribution (DC) assets under advisement. These criteria are utilized for each of the categories in which this award is given. Source: Barron's.com (February 2009) Barron's Top 1,000 Financial Advisors: State-by-State ranking awarded in 2009. Source: ft.com (Apr 2018) 2018 Financial Times 400 Top Financial Advisors awarded in 2018. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. Nominees must be women retirement plan advisors with their own book of business. The list is created and conducted by the National Association of Plan Advisors, an affiliate organization of the American Retirement Association, a non-profit association. The rating is not indicative of the Financial Advisors future performance. For more information, see www.SHOOKresearch.com. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. Investment performance is not a criterion. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. Brother Josh says the Palestinian martyrdom at a synagogue in Jerusalem should be condemned gl Today on Insight, John and Josh Rosenstern discuss rising tensions in Israel, as a West Bank Palestinian camp was targeted by Israeli Intelligence forces, where some eight terrorists were killed, as they were plotting to attack Israel. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC for placement on its rankings. He has a huge range of degrees from many reputed universities and colleges throughout his entire career. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one clients experience; investors must carefully choose the right Financial Advisor or team for their own situation and perform their own due diligence. Box 262550. Investment performance is not a criterion. This ranking was determined based on an evaluation process conducted by ISS Media during the period from 1/1/14 12/31/14. The couple shared beautiful moments of their life with each other and looks like comfortable in their alliance. Source: Forbes.com (Feb 2017) 2017 Forbes America's Top Women Wealth Advisors ranking awarded in 2017. Neither Morgan Stanley Smith Barney LLC nor its Branch Managers pay a fee to On Wall Street in exchange for the rating. 2023 Barron's Top 100 Institutional Consulting Teams. Source: Worth magazines Top 100 Wealth Advisors, bases its rankings on qualitative criteria that include: professional designations and educational credentials, professional experience, acceptable compliance records, outlook on the investment climate, model portfolio returns, and client retention rate. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking was determined based on an evaluation process conducted by Barron's during the period from Mar 2013 - Mar 2014. Ratings are based on the opinion of NAPA and may not be representative of any one clients experience nor indicative of the advisors future performance. This ranking is based on a mixture of qualitative and quantitative measures, including tenure in the business, focus on retirement plan business as a percentage of practice revenue, willingness to serve in a fiduciary role to clients plans, and a review of essay answers and compliance records. Neither the Financial Advisor nor Morgan Stanley Wealth Management pays a fee to REP. magazine in exchange for the ranking. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. The list is drawn solely from a set of quantitative variables and information in the survey supplied by the advisers themselves. A sub-segment of the questions was used to determine eligibility for the Top 100. For more information, see www.SHOOKresearch.com. Ratings are based on the opinion of ISS Media and may not be representative of any one clients experience nor indicative of the financial advisors future performance. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Rosenstern John - Message of the Cross Australia Barrons is a registered trademark of Dow Jones & Company, L.P. All rights reserved. The list is drawn solely from a set of quantitative variables and information in the survey supplied by the advisers themselves. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Investment performance is not a criterion. An emotional song dedicated to Ukrainian President Volodymyr Zelensky is causing a huge reaction online as the singer John Ondrasik asks, "Can One Man Save the World?". This ranking was determined based on an evaluation process conducted by Barron's during the period from Mar 2022 - Mar 2023. This exclusive conference is designed to promote best practices and generate new ideas across the industry. Source: planadviser.com (May 2021) awarded in 2021. P.O. Source: Baltimore Business Journal, 40 under 40 Most Influential Business Leaders, August 1997. Investment performance is not a criterion. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 6/30/18 - 6/30/19. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one clients experience. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. This ranking is not indicative of the Financial Advisors future performance. This ranking was determined based on an evaluation process conducted by ISS Media during the period from 1/1/16 12/31/16. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Working Mother Magazine. Source: Forbes.com (February 2023) Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State rankings awarded in 2023. This ranking was determined based on an evaluation process conducted by NAPA during the period from Aug 2019 Aug 2020. 2017 Forbes America's Top Women Wealth Advisors. Nominations from the list were provided by NAPA Broker-Dealer/RIA Firm Partners. Ratings are based on the opinion of NAPA and may not be representative of any one clients experience nor indicative of the advisors future performance. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking was determined based on an evaluation process conducted by Barron's during the period from Mar 2019 - Mar 2020. Source: PLANADVISER.com, January/February 2018. Additional measures include: in-depth interviews and discussions with senior management, peers, and customers, and telephone-based and in-person interviews with the nominees. The Secretary of State says the Unit Today on Insight, John and Josh Rosenstern discuss the growing concerns in the Middle East and the need for prayer for Israel. The award is based upon a recipients application and not upon any qualitative or quantitative criteria relating specifically to ones position as a Financial Advisor. JSM Ministers | Pastors - Jimmy Swaggart Ministries Nominees were required to submit responses to an application comprised of a series of quantitative and qualitative questions about their experience, size and composition of their practice, awards and recognitions, and industry contributions, which were then reviewed by a panel of senior advisor industry experts, who, based on those criteria, and following a broker-check review, selected the top women advisors. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors pay a fee to On Wall Street in exchange for the rating. This ranking is based on quantifiable and objective criteria, including, but not limited to, AUM, compliance record, years of experience, AUM growth rate, industry certifications and online accessibility. 2018 Five Star Wealth Manager Award This award was issued in 2018 and based on the evaluation process below. Ready to start a conversation? Source: Barron's.com (April 2019) 2019 Barron's Top 50 Institutional Consultants ranking awarded in 2019. She is also a talk show personality and a dedicated mother and wife. With over 7,000 nominations compiled on an annual basis, Financial Advisors are quantitatively ranked based on varying types of revenues and assets advised by the financial professional, with weightings associated for each. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors pay a fee to ASPPA in exchange for the award. The rating is not indicative of the advisor's future performance. This ranking was determined based on an evaluation process conducted by ISS Media utilizing data from responses to the PLANADVISER Retirement Plan Adviser Survey as of Jan/Feb 2020. Source: Research magazines Top-Ranked Teams in America, as identified by Research magazine, uses quantitative and qualitative criteria and selects from a pool of over 3,000 nominations. Creating customized financial strategies for the challenges that todays families face. Baltimore Jewish Times Up-and-Coming Young Professionals 2009. Ratings are based on the opinion of ISS Media and may not be representative of any one clients experience nor indicative of the financial advisors future performance. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one clients experience. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one clients experience. Nominations from the list were provided by NAPA Broker-Dealer/RIA Firm Partners. Source: REP. magazine, October 2015. The list is drawn solely from a set of quantitative variables and information in the survey supplied by the advisers themselves. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one clients experience. This ranking was determined through an evaluation process conducted by NAPA based on self-reported defined contribution (DC) assets under advisement (AUA) as of Dec. 31, 2021. The listing reflects each advisors status in six primary areas: assets under management (AUM), asset growth, compliance record, experience, credentials and online accessibility. Investment performance is not a criterion. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Ratings are based on the opinion of NAPA and may not be representative of any one clients experience nor indicative of the advisors future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Read John and Josh Rosenstern's bio and find out more about John and Josh Commons Attribution-ShareAlike License, This page was last edited on (Jul 06, 2022), at 09:14. how much is josh rosenstern worth. Source: napa-net.org (October 2022) awarded in 2022. A veteran of the financial services industry, John brings nearly four decades of experience to The Rosenstern Group. The rating is not indicative of the advisors future performance. For more on methodology please go to www.ft.com/reports. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Nominees must be retirement plan advisors with their own book of business and less than 40 years of age. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one clients experience. The Rosensterns address the ever Today on Insight, John and Josh Rosenstern recap the Presidents State of the Union Address. Nominees must be retirement plan advisors with their own book of business and less than 40 years of age. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 6/30/17 - 6/30/18. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. John Rosenstern is an associate Pastor at Family Worship Center as well as the director of Family Worship Center's prison ministry. His personality is very unique and influential, which has impacted the lives of millions of people worldwide. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Nominees were required to submit responses to an application comprised of a series of quantitative and qualitative questions about their experience, size and composition of their practice, awards and recognitions, and industry contributions, which were then reviewed by a panel of senior advisor industry experts, who, based on those criteria, and following a broker-check review, selected the top women advisors. Jim Nations has been called to expose the error and false doctrines which have crept into the Church. The criteria are that nominees must be based in the Chicago area, currently employed full time at a financial institution or company offering wealth management services, have a minimum of five years experience, oversee at least $10 million in assets under advisement and contributions within the industry. Source: Barron's.com (June 2012) 2012 Barron's Top 100 Women Financial Advisors ranking awarded in 2012. Nominees must be women retirement plan advisors with their own book of business. Nominations from the list were provided by NAPA Broker-Dealer/RIA Firm Partners. Source: napa-net.org (October 2020) awarded in 2020. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. This ranking was determined based on an evaluation process conducted by the Financial Times during the period from 12/31/14 - 12/31/16. Source: ft.com (Oct 2019) 2019 Financial Times 401 Top Retirement Advisors awarded in 2019. Investment performance is not a criterion.