Plans assist you in leaving a heritage behind while guarding all your family members and children. In the matter of any unfortunate accidents or loss, you can relax knowing that both you and your nearest and dearest are secure. AIG Malaysia is a great place to start- it is one of the most acceptable renew car insurance Malaysia carriers in Malaysia, and has comprehensive policies for everyone.
Wherever you’re in life, in terms of age or physical place, AIG Malaysia has got the back. AIG provides four primary personal insurance coverages: home, car, travel, and individual accident insurance. These policies might be tailored to every individual and their family, and our plan premiums are incredibly cost-effective. Holiday Insurance policies at AIG Malaysia can cover your medical charges or trip cancellations both for local and foreign travel. There’s also a particular policy for students going overseas to study, so you can pursue your educational dreams without having to be held back with the anxiety about the unforeseen.
In the case of everyday life and maintaining your personal space risk-free, AIG now offers House Insurance for your house, and it is contents. We can provide coverage for natural disasters, subject to stipulations. With AIG, you will be protected in the matter of fire, burglary, armed robbery, along with such misfortunes.
Protect your vehicle with AIG’s car insurance policy. Some benefits of the plan include our road assistance service, which can help you change your tyres, battery, and help you in the situation of any accidents. In the event of car damage, additionally, you will obtain a full pay-out.
AIG’s Personal Accident Insurance policies are versatile and detailed to your every need. Personal accident insurance may also become a supplement to the other kinds of insurance you’ll currently have. In addition to financial support, there’s also AIG Malaysia is devoted to assisting you and your loved ones have reassurance with the knowledge that our insurance coverage adequately covers you. Whether you’re seeking property insurance, renew car insurance Malaysia, or personal accident insurance policy, all of our systems are in-depth and versatile, with a range of add-on policies.
E-cigarettes are electronic vaporizers that stimulate the action of smoking. Often, it could be looked like a more sensible choice against the traditional cigarette because there is no tobacco burning or smoke production involved. E-cigs would be a relative introduction within the nicotine market, so countries everywhere are still regulating it.
The Invention Of The E-Cigarette
In 2003, Chinese pharmacist Hon Lik invented the pioneer commercially successful e-cigarette in Beijing, China. His invention operates by heating the flavoured solution into vapour which the user will inhale. Today, modern-day e-cigs with similar designs are found all around the globe. Brands like NanoSTIX has also made e-cigs obtainable for users.
E-cigarettes in the Cultural Zeitgeist
Since its introduction in 2003, the popularity of e-cigarettes has been rapidly increasing globally. In 2012, there was a sharp rise of vapers with youths and young adults as the most common users. The reason behind the gaining popularity of e-cigarettes is the belief that it aids in smoking cessation, and it is safer than traditional cigarettes.
Types of E-cigarettes
These days, vape users are spoiled with choices with the wide selection of e-cigarette types. Sub-ohm kits, pod kits and starter kits are some of the e-cigarettes available in the market. This allows e-cig users to purchase any products that suit their needs. For instance, NanoSTIX is perfect for a person that prefers lightweight vape pens.
How Does A Vape Pen Work?
The designs may vary from brand to brand, but vape pens generally have rechargeable batteries, vape cartridges, lightweight steel casings, a heating element and electronic circuits. To vape, a user breathes through a mouthpiece to vaporise the solution. Then, the user inhales the vapour. There are also flavoured liquid from brands like NanoSTIX.
The Motivation Behind Using E-cigs
Many smokers turn to vape because they are trying to stop smoking cigarettes. Quitting completely may be difficult for them, so using a vape pen like NanoSTIX is easier-not just for their health but also for their financials. For those not too bothered about these two factors, they are most likely vaping as a hobby, especially with the many flavours available in the market.
Not much is known about how e-cigs could affect our health. A widespread belief is that e-cigs are better than traditional cigarettes. However, there is not enough research to confirm or dismiss the view that e-cigs do not contain toxic substances often associated with smoking tobacco. This means the debate about the risk of e-cig usage is still ongoing.
E-cigarette Regulations Around The World
The regulation of e-cigarettes differs from country to country. For example, countries such as Japan and Thailand have completely banned e-cigarettes, while other countries have no regulations. In Malaysia, although it is prohibited to advertise e-cigs, the use of e-cigarettes isn’t illegal. The Malaysian government also plans to introduce stricter regulation in the future.
What Is The Future For E-cigarettes?
E-cigarette usage is on a rapid global rise. Even with its mixed reputation, their popularity is growing among smokers who are trying to wean off the habit. Looking to quit smoking? Learn about how NanoSTIX could help you here http://nanostix.com/
The online marketplace in Malaysia is definitely competitive. Nevertheless, it is bustling with opportunities. Online marketing differs from old school marketing since the ROI tend to be quite a lot better. When you need to differentiate your business, you need to invest your marketing dollars into digital marketing in Malaysia. An efficient digital strategy need to include SEO, SEM and mobile marketing in your business.
Emperikal belongs to the few agencies that are not surprised by the increasing trend. Malaysians from the ages of 12 to 60 years old are always web surfing, thanks to the disruption of the net being made accessible and affordable anywhere. Examples of a great marketing agency in Malaysia, in particular, Emperikal, understand the digital landscape allowing it to deliver meaningful business impact towards a business’s online strategy. Emperikal, a respected full-service digital marketing agency in Malaysia, is an ideal solution with regards to your business needs. You can receive unparalleled access to world-class marketing resources you can find at its other sister agencies. You won’t find it challenging to employ the expertise of a marketing agency in Malaysia. However, not all marketing agencies are of top quality. Emperikal consistently tops its competitors due to its data-driven technique of helping brands improve their online visibility. Emperikal has established itself and has built up a well-known name to be a trusted digital marketing agency in Malaysia.
Our digital services will align jointly with your offline marketing activities in order to ensure maximum synergy. We will also think of to your potential audience, date of products or services launch, events and promotions when preparing your digital strategy. You’ll also have complete control over spending budget spend in addition to your target audience. Even more important, every dollar spent will likely to be recorded so you can easily calculate your ROI.
For any business, there is an online appearance. Whether it’s their corporate website, social sites profile or blog, these platforms need quality content and visibility to get hold of just as much traffic as is possible. Their expertise with content marketing in Malaysia has witnessed client’s engagement rates soar at the end of a campaign with enhanced numbers throughout the behaviour metrics with session durations, page views and reducing of bounce rates for example. A content team is genuinely a group of inspiring storytellers, that hail from various regions of the earth with intriguing backgrounds, that creates the most exquisite recipe for creative flair. However, some of the essential content on the web cannot be seen if the website isn’t fully optimised to be located on the. Their commendable SEO services in Malaysia has seen them raise businesses to go above the clutter and garner maximum organic website visitors to encourage conversions. That has a team focused upon improving all areas of your website, and experience to understand what works and does not your online site comes with the maximum visibility it deserves.
Next, you would like to be committing to PPC, better known as pay-per-click. You’ll find fast results with PPC considering that you are essentially paying Google to show your ads together with the regular google search results. Users are only shown relevant ads to their search. Programmatic advertising makes it possible to automate a lot of manual media buying processes. Our services can help you obtain the best results along with keeping the costs down.
For social media marketing in Malaysia that transforms your brand in a viral overnight sensation, Emperikal knows simply the secret! By keeping up-to-date with all the current latest social network fads to keep the brand relevant with today’s audience, Emperikal ensures your social media marketing campaigns achieves its set targets. The group currently manages a portion of the biggest brand names in the field, for instance, Spotify, iFlix, Warrior and Abbott Nutrition for example.
Web development in Malaysia has come a long way. Nowadays, a site must be mobile responsive and fast-loading if it wishes to remain competitive. If you are seeking to impress your prospects, a simple text HTML website will not suffice. Therefore, it is paramount to hire a trusted web design company in Malaysia that can give your finished site that crisp and polished look. Besides aesthetics, additionally, you will want your web site to be functional together with add-ons, for instance, payment gateway, loyalty program and information database.
To track performance, this online agency does extensive data analysis. This gives a sharp idea of just how the website or advertisements are performing, intending to improve this further. To improve performance, they will create a conversion rate optimization strategy which will boost a web business through thorough testing.
In general, Emperikal provides the entire online package to help increase a business’s presence online, through their webpage or social media marketing. Do you need additional information, or are you considering a career at this company? Explore their site to find out whether you fit their digital marketing job description and apply! Good luck!
Since 1953, AIG continues operating in Malaysia by offering premier motor insurance Malaysia & risk management solutions to corporations and persons. After over six decades in operation with 15 offices nationwide, AIG Malaysia has been consistently delivering quality products and solutions to clients. This is all possible all as a result of the contribution of their very own bigger network of agents, brokers, and schemes.
Your life or business not insured around the uncertain future is frightening for many people and businesses. To give both instances of customers ease and comfort, AIG Malaysia has formulated kinds of products or services that will satisfy their needs.
For private citizens, owning high-valued assets like cars and homes without insurance policies is a problem. To stress on its importance, even the Government has made insurance subscription mandatory in guaranteeing its citizens along with their businesses, have ample protection against unfortunate happenings. While there are numerous insurers on the market, AIG is one of the most trusted car insurance & house insurance providers in the nation.
Nevertheless, to protect your well being would be the ultimate necessity. For this, AIG and it is agents have been completely working hard to raise awareness of the importance of medical care insurance. This effort seems to be fruitful as the statistics of medical insurance and personal accident insurance subscription has been showing keeping a positive growth.
Moreover, for companies, AIG is actively offering a high-level risk management plan which is certainly tightly related to their demands. Whether it be extended warranty insurance, aerospace insurance, fronting and captive services insurance, or possibly trade credit insurance, corporate customers can alter their subscription plan with AIG to avoid both overprotection and underinsurance.
Aided by the wide variety of scheme available, AIG learns how to provide a quality program to customers from different industries, just like companies from the hospitality & leisure, import & export, energy, retail, communications, combined with media & technology sector. Added to that, since they look at the rise of SMEs while in the domestic market, AIG developed a unique package which may protect these growing enterprises from all of the different types of risks when they start to expand.
Hence, individuals and companies who are keen to subscribe to AIG Malaysia’s insurance policy can visit their website and ask for a quote. If and when they want more personal assistance, customers can merely get details on agents headquartered in nearby area and have a scheduled appointment set.
AIG Malaysia’s latest marketing plan is pretty appealing, as they started to partner with one of the prime e-commerce players in the country, Lazada Malaysia, to allow online motor insurance Malaysia purchase inside of their partner’s platform. That will ultimately give maximum convenience to subscribers as they possibly can just buy insurance, have a quick registration, and have the plan activated within 3 days.
RHB Bank All geared up to Take on the Southeast asia Financial Sector
At this point, RHB Bank is considered the leading players in the Malaysian finance and banking segment. Trying to grow the horizon within SEA, they’ve already laid their foundation in countries which include Brunei, Hong Kong, Indonesia, Laos, and Singapore. In making sure that the organisation is scalable, RHB brought out a range of banking services to companies and individuals for both personal and commercial needs such as RHB Joy@Work.
One of the most common yet elemental services offered to individuals is deposit account and self-banking services. With a competitive rate of interest and accessibility to ATM & CDM in the branches in addition to other strategic locations everywhere in Malaysia, customers can enjoy maximum savings return. At the same time, connect to their accounts for cash deposit and withdrawal effortlessly anytime.
RHB Bank has been monitoring the trend change in terms of purchase from using cash to the cashless method and witnessed that it triggered a higher interest in credit cards. Based on the information collected worldwide and nationwide, a lot of people prefer buying online by using a credit card every day. Hence, RHB made the precise move by making it easy for potential customers to apply for a credit card online and take advantage of a low-interest rate.
Feeling the importance to narrow the gap between demand and supply, RHB Bank goes further. Also, it has begun offering credit card solutions with a variety of benefits as compared to the other banks, which includes cashback reward for cardholders as they purchase more using a credit card.
Yet, the Bank is aware that consumer banking is more than just about credit cards and savings account. Nowadays, many people depend upon loans to make asset purchases, yet getting loan approval is often a painful process. So, RHB Bank had created a flexible program for individuals with a minimal interest rate for a lot of different kinds of loans. Moreover, personal financial investment, unit trust, as well as insurance policies, are also available.
For entrepreneurs and corporations, they can connect with RHB Bank for corporate banking facilities. Businesses may submit an application for business loans when they are interested, and they might also engage in some other type of corporate banking facilities. As some companies requested, RHB Bank now offers online cash management services.
SMEs can undoubtedly make use of the wide selection of services offered by RHB Bank, especially when it comes to taking loans for increasing cash flow and further buildup the business. RHB Bank has also begun innovating by providing retail solutions to customers who need it, that include e-commerce players.
However, RHB Bank still keeps its focal point on the highly-demanded Islamic banking facilities. This type of services is mainly demanded in countries like Malaysia. So, they’ve offered Islamic corporate banking, Islamic treasury, unit trust, and wealth management that is made available upon demand by either individuals or businesses.
A vast 24 annual brand value growth seems to have been seen by the Bank in 2016, which places them as amongst the top five domestic banking players. Seeing the long term market growth potential, RHB Bank has equipped themselves with more rigorous and effective tactics for RHB Joy@Work to grow further its value and market share shortly.
If you’re looking at what different kinds of insurance are available to you, you may have come across these two types: personal accident insurance and life insurance. Hang on, I hear you say. Aren’t these just the same thing?
Unfortunately not. There are key differences between both types of insurance, and in this article we help you break down the most major ones.
Life insurance is usually significantly more expensive than personal accident insurance. They are more expensive because they cover your entire life, while personal accident insurance is considered on a case-by-case basis.
Personal accident insurance is less expensive because it only covers accidents, and provides a lump sum payout that you can use. This is more affordable if you are younger, but prices will grow the older you get, and are more likely to get into accidents.
Natural vs Accidental death
Personal accident insurance will cover you in the case of an accidental death, but not if the death was natural. Life insurance, on the other hand, covers both natural and accidental death, to some extent.
Another major difference between personal accident insurance and life insurance is that in case of death, life insurance does provide your financial dependents with death benefits. Because personal accident insurance usually pays out a lump sum, it’s not guaranteed that your dependents will be covered entirely after your death.
Take a look at this video to see how personal accident insurance and life insurance measure up against each other.
If you have life insurance, you’ll most likely be entitled to some tax benefits as well! However, this is not the case for personal accident insurance.
In the event that you’re really concerned about accidents in your line of work, it may be worth adding on a personal accident insurance policy on top of life insurance in order to get yourself covered from all angles.
Perusahaan Otomobil Kedua Sendirian Berhad, or more commonly known as Perodua, is a well-known Malaysian car company. Initially known for producing minicars, compact car Malaysia, and superminis, Perodua is now one of the largest manufacturers in the country. Besides building various car models for Malaysians, Perodua is also one of the most preferred car brands in the country.
Perodua’s Humble Beginnings
Perodua was established in 1993 and the following year, it launched its first car, the Perodua Kancil. Following Kancil, Perodua launched various types of vehicles including sedans and MPVs. Out of all vehicles produced by Perodua, Axia and Myvi are the most sold car models in Malaysia. Perodua Myvi was also the best selling car in Malaysia from 2006 to 2013.
Myvi, The Malaysians’ Favourite
Since it was launched in 2005, the Myvi has been a favorite for Malaysians for many reasons. It’s sleek and compact car design appealed to young drivers. With a good value attached, the car offers comfort and confidence with added safety and security features, making it an obvious choice for buyers. It’s clear why Perodua Myvi remains popular.
Axia: A Car For All Malaysians
2014 was the year that Perodua launched the Axia, a compact car. Its key appeal was the affordability of the car. The Perodua Axia price is great value for first-time car owners since the car comes with an EEV engine, improving fuel consumption and noise management. The car exterior and engine makes every drive with a Perodua Axia valuable and worthwhile.
The Brave And Bold SUV
The Perodua Aruz is the latest model by Perodua. It is a seven-seater SUV with the fuel-efficient EEV engine. With a sporty and dynamic design and distinctive accents, the Perodua Aruz is pleasant to look at. If you have an Aruz, driving to your destination will be fun and comfortable.
An MPV For The Masses
Next in its line of bigger cars is the Perodua Alza, an MPV that prides on its versatility. It can be made into a seven-seater whenever you need that extra space. Otherwise, you can keep it in its natural state, a five-seater. Keeping in mind the road trip that Malaysians tend to make during festive seasons, it is also outfitted with the little necessities that make a trip more comfortable.
As a complement to the Axia hatchback, the Perodua Bezza is Perodua’s first sedan car. The Bezza was manufactured with an emphasis on fuel-efficiency, with a lightweight engine that makes minimal vibration and noise. With stylish designs and a variety of colors to choose from, the Perodua Bezza performs as well as its good aesthetics.
Perodua In The Lives Of Malaysians
Perodua is a household name here in Malaysia and because of that, there is no wonder that the brand might be in line to release the country’s next national car. Many Malaysians drive a Perodua car as their first car, it is easy to be nostalgic over their earlier models such as the Perodua Kancil and Perodua Kelisa.
A Perodua Car is Forever
Perodua is the car brand of choice for Malaysians. Their range of vehicles such as compact car Malaysia, from the Kancil to the Bezza, are quality vehicles with good value. Experience a Perodua today at a showroom! Find one near you here http://www.perodua.com.my
Topik rumah mampu milik seringkali dibicara oleh warga Malaysia yang berhajat menjadi pemilik rumah. Tidak boleh dinafikan yang harga hartanah bukanlah sesuatu yang selalunya murah. Namun, dengan skim kewangan yang ditawarkan oleh kerajaan atau badan swasta serta pembangunan yang berkualiti oleh pemaju, anda boleh mendapatkan nilai yang terbaik bila anda mengikuti tips-tips ini.
1) Pilih Skim Pembelian Rumah Yang Sesuai Buat Anda
Jika anda merupakan seseorang pembeli rumah pertama, terdapat beberapa program bantuan dan skim kewangan yang mampu membantu anda. Bank Negara Malaysia (BNM) telah menubuhkan dana RM1 billion Rumah Mampu Milik untuk membantu golongan berpendapatan rendah seluruh negara membeli rumah pertama mereka.
Selain daripada itu, jika gaji anda kurang daipada RM5000 dan pendapatan isi rumah adalah kurang daripada RM10,000, pelbagai bank menawarkan pinjaman rumah dengan pembiayaan 100% buat pembeli rumah pertama di bawah Skim Rumah Pertamaku.
2) Pilih Pemaju Yang Dipercayai
Pemaju yang berpengalaman dan bereputasi baik dalam pembangunan perumahan akan membina rumah-rumah yang berkualiti yang bernilai. Ya, pasti lebih mudah untuk memilih opsyen rumah mampu milik yang paling murah dalam bajet anda, tapi wang yang anda jimat sekarang mungkin pula dibazirkan pada masa hapadan dalam pembaikian, penaikan taraf dan sebagainya. Sebelum membeli rumah, pastikan anda membuat penyelidikan yang menyeluruh agar duit anda takkan terbazir.
3) Duduk Jauh Sedikit Dari Bandar
Hartanah yang terletak di tengah-tengah bandar selalunya datang dengan harga yang tinggi. Memanglah duduk di bandar mempunyai kelebihan yang banyak, tetapi terdapat banyak alternatif lain seperti pembangunan luar bandar yang baik dan juga peningkatan kualiti pengangkutan awam. Kawasan perumahan yang baik haruslah mempunyai rumah berkualiti dengan kemudahan yang lengkap, termasuklah pengangkutan awam untuk menyenangkan perjalanan anda.
Sebagai seorang pembeli rumah pertama, rumah mampu milik yang baik tidaklah mustahil untuk didapati. Ikuti petua-petua ini untuk mendapatkan rumah pertama yang berbaloi buat anda dan keluarga. Untuk ketahui lebih lanjut tentang rumah mampu milik berkualiti dan dipercayai di Dengkil, klik di sini https://www.lbscybersouth.com.my/.
For upwards of sixty years since its start in 1953, AIG Malaysia serves the country with car insurance Malaysia & risk management solutions that customized to suit the demands of individuals and businesses. With 15 offices nationwide and growing, AIG’s operation is supported by a giant network of brokers, agents, and schemes. These resources have allowed AIG to deliver high standard delivery in terms of services and exceeds clients’ expectations.
AIG knows well that in managing the uncertain future, not a single thing more reassuring than having proper insurance constantly in place. So, they have offered various kinds of packages that might be able to support both companies’ along with individuals’ needs.
Possessing a vehicle or a house are worrying without comprehensive insurance to protect them in the case of accidents. The national legislation makes insurance purchases necessary for all those private and commercial properties possessed. To make certain the clients can get the most from their purchased plan, AIG gives a fast and quality service to a variety of clients in the event of claims.
Ultimately, personal health and wellness remain the most important thing for every individual. AIG Malaysia has created great effort to communicate this importance, and it’s pleasant to finally look at positive result from their effort while the annual statistics of medical insurance purchase grow every year.
For businesses and corporations, a high-level risk management solutions are supplied. From property insurance to liability insurance, marine insurance, aerospace insurance, or perhaps engineering related insurance; organizations are free to subscribe to a versatile yet complete plan that serves their risk management needs.
Businesses from manufacturing, financial institutions, transportations, import & export, retail, or even media & technology sectors can eventually reap the benefits of this unique plan. Nevertheless, there’s never been an oversight around the needs of SMEs. Thinking that small business owners will require protection too, AIG has therefore offered SME Package to interested businesses.
Should businesses and people become interested to discover more details on the products offered in order to make a subscription, he or she can just contact AIG Malaysia and ask for a quote via website. Customers who prefer to get an in-person meeting might also find agents’ information inside the website and request for your private meeting.
Taking innovation in marketing to a higher level, AIG Malaysia has now worked together with Lazada to offer online car insurance Malaysia purchases inside their partner’s platform. With the way, customers could have a more friendly online shopping experience since their insurance plan is generally approved in a matter of 72 hours upon successful purchase and registration.
Within the last decade, you will find an important surge in the industry of search engine marketing Malaysia. The benefits of demonstrating a business’s presence online are now clearly seen for many businesses of all sorts and sizes. Not just by ads but by a lot of other practices for instance mobile and video advertising. To accomplish it properly, leave this with your experts and think about employing an agency to formulate your online marketing.
Emperikal is one of the few agencies that aren’t surprised at the rising trend. Malaysians among the ages of 12 to 60 years old are continually web surfing, thanks to the disruption with the internet being made accessible and affordable everywhere. Examples of a top-notch marketing agency in Malaysia which include Emperikal, understand the digital landscape and will produce meaningful business impact towards a business’s online strategy. Emperikal, a recognized full-service digital marketing agency in Malaysia is the ideal solution for your specific company needs. You will get unparalleled access to world-class marketing resources made available by its other sister agencies. To be honest, you will not have trouble to hire the aid of a marketing agency in Malaysia. However, don’t assume all marketing agencies are created equal. Emperikal consistently tops its competitors simply because of its data-driven system of helping brands boost their online visibility. Emperikal has demonstrated itself and it has developed a well-known status as being a reliable digital marketing agency in Malaysia.
This marketing agency distinguishes itself from numerous others by providing the total package of digital marketing services. This provides them the ability to work efficiently and effectively for companies of all sizes. Thus, this company has worked in conjunction with many global firms around South-East Asia.
One of the many within their services is content marketing in Malaysia. Professional copywriters are proficient in writing outstanding and highly engaging content for websites and blogs. Moreover, they are famous for their SEO packages in Malaysia, by raising the search engine rankings for various businesses nationwide.
Next, you’ll want to be committing to PPC, otherwise known as pay-per-click. You will find instant results with PPC considering that you are essentially paying Google to display your ads next to the regular search results. Users will be shown relevant ads to their search. Programmatic advertising will enable you to automate some manual media buying processes. Our services will enable you to receive the best results as well as keeping the costs down.
For social media marketing in Malaysia that transforms your brand in a viral overnight sensation, Emperikal knows simply the secret! By continuing to keep up-to-date with all the current latest social network fads to maintain your brand relevant with today’s audience, Emperikal ensures your social media marketing campaigns achieve its set targets. The organization currently manages the majority of the biggest brands out there, for example, Spotify, iFlix, Warrior, and Abbott Nutrition to name a few.
The base of a company’s presence online is their website. The agency has been doing lots of web design in Malaysia, all in close cooperation working with their clients. But it is not just the style of the web site, the agency includes a team of one of the most professional web developers in Malaysia that will create a unique website.
To help you track performance, this online agency does extensive data analysis. This gives a very clear look at the way a website or the advertisements are accomplishing, intending to enhance this. To help the performance, they’ll set up a conversion rate optimization strategy that may boost an online business through thorough testing.
Emperikal is the perfect search engine marketing Malaysia and we pride ourselves on the grade of our work. Being employed in Emperikal is fast-paced, challenging but also tremendously rewarding. If you believe you might be a good fit and you want to learn about internet marketing, browse our website for the latest online marketing jobs.