Privacy & Terms

Collection of your Personal Information

We collect information from you when you apply for or register for membership in The Cyber Breakfast Club, create or update a member account or profile, register for a meeting or event, become a host, speaker, sponsor, or partner, place an order or make a payment, subscribe to our newsletter, join our App or Slack workspace, submit a community or contact form, or respond to a survey. When applying, ordering, or registering on our site, as appropriate, you may be asked to enter your: name, company name, title, email address, mailing address, phone number, or social media links.

In order to better provide you with the membership, events, and services offered, CYBER BUYER may collect personally identifiable information, such as your:

• First and Last Name
• E-mail Address
• Phone Number
• Mailing Address
• Company Name
• Job Title
• Social Media Links (such as LinkedIn)
• Professional information you provide to verify membership eligibility
• Event attendance records, including information used to issue CPE certificates

We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services. These may include: (a) applying for or registering for a membership account; (b) entering a sweepstakes or contest sponsored by us or one of our partners or sponsors; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your banking and/or credit card or other payment information when paying membership dues, purchasing from our shop, or ordering products and services; (f) registering for a meeting or event; (g) registering for our newsletter; (h) registering for our App; (i) registering for our Slack workspace. We will use your information for, but not limited to, communicating with you in relation to the membership, events, services, and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.

Payment information is processed by our third-party payment processor. CYBER BUYER does not store full credit card numbers on The Cyber Breakfast Club website.

Use of your Personal Information

CYBER BUYER collects and uses your personal information to operate and deliver the services you have requested, including reviewing membership applications and verifying eligibility, providing member services, operating meetings and events, issuing CPE certificates, processing payments, communicating with you, maintaining the safety and integrity of the community, and meeting legal obligations.

CYBER BUYER may also use your personally identifiable information to inform you of other products, services, meetings, and events available from The Cyber Breakfast Club, CYBER BUYER, and its affiliates, vendors, partners, and sponsors.

Member Directory Privacy

Member contact details are not public by default. Approved members control their available directory visibility settings.

Sharing Information with Third Parties

CYBER BUYER does not sell, rent or lease its member or client lists to third parties.

CYBER BUYER may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is transferred to the third party. CYBER BUYER may share data with trusted partners to help perform statistical analysis, send you email or postal mail, process payments, provide member support, arrange for deliveries, or follow up on meetings and events you have registered for. All such third parties are prohibited from using your personal information except to provide these services to CYBER BUYER, and they are required to maintain the confidentiality of your information.

CYBER BUYER may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on CYBER BUYER or the site; (b) protect and defend the rights or property of CYBER BUYER; and/or (c) act under exigent circumstances to protect the personal safety of users of CYBER BUYER, The Cyber Breakfast Club, or the public.

Event registration, event attendee information, and Cyber Breakfast Club member information is shared with sponsors of The Cyber Breakfast Club meetings and events you register for or attend.

Opt-Out of Disclosure of Personal Information to Third Parties

In connection with any personal information we may disclose to a third party for a business purpose, you have the right to know:

• The categories of personal information that we disclosed about you for a business purpose.

You have the right under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws, as applicable, to opt-out of the disclosure of your personal information. If you exercise your right to opt-out of the disclosure of your personal information, we will refrain from disclosing your personal information, unless you subsequently provide express authorization for the disclosure of your personal information. To opt-out of the disclosure of your personal information, submit a request through our Contact page at https://www.cyberbreakfastclub.com/contact or call 980-729-6328. Please note that opting out of sharing with event sponsors may affect your ability to register for sponsored meetings and events.

Tracking User Behavior

CYBER BUYER may keep track of the websites and pages our users visit within The Cyber Breakfast Club website, in order to determine which meetings, events, resources, and services are the most popular. This data is used to deliver customized content and advertising within The Cyber Breakfast Club website to users whose behavior indicates that they are interested in a particular subject area.

Automatically Collected Information

Information about your computer hardware and software may be automatically collected by CYBER BUYER. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of The Cyber Breakfast Club website.

Use of Cookies

The Cyber Breakfast Club website may use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you log in to your member account or register for a meeting or event, a cookie helps us recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses and contact details. When you return to The Cyber Breakfast Club website, the information you previously provided can be retrieved, so you can easily use the features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of The Cyber Breakfast Club website, including member log in.

Links

This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.

Security of your Personal Information

CYBER BUYER secures your personal information from unauthorized access, use, or disclosure. CYBER BUYER uses the following methods for this purpose:

• TLS/SSL encryption

When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Transport Layer Security (TLS) protocol.

We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed.

Right to Deletion

Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will:

• Delete your personal information from our records; and
• Direct any service providers to delete your personal information from their records.

Please note that we may not be able to comply with requests to delete your personal information if it is necessary to:

• Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us, including your Membership Agreement;
• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;
• Debug to identify and repair errors that impair existing intended functionality;
• Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;
• Comply with the California Electronic Communications Privacy Act;
• Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;
• Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;
• Comply with an existing legal obligation, including maintaining records of CPE certificates issued; or
• Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.

Children Under Thirteen

CYBER BUYER does not knowingly collect personally identifiable information from children under the age of thirteen. The Cyber Breakfast Club membership, meetings, and events are intended for cybersecurity professionals who are at least 18 years of age.

California Consumer Privacy Act Compliance

Because we value your privacy, we have taken the necessary precautions to be in compliance with the California Consumer Privacy Act (CCPA). We therefore will not distribute your personal information to outside parties without your consent, except as described in this Privacy Policy. As part of the CCPA, all users of our site may make any changes to their information at any time by contacting CYBER BUYER.

Opt-Out & Unsubscribe from Third Party Communications

We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from third-party partners of CYBER BUYER and The Cyber Breakfast Club by contacting us here:

• Web page: https://www.cyberbreakfastclub.com/contact
• Phone: 980-729-6328

E-mail Communications

From time to time, CYBER BUYER may contact you via email for the purpose of providing announcements, meeting and event information, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our Services, we may receive a notification when you open an email from CYBER BUYER or The Cyber Breakfast Club or click on a link therein.

If you would like to stop receiving marketing or promotional communications via email from CYBER BUYER or The Cyber Breakfast Club, you may opt out of such communications by replying "STOP" or clicking the "UNSUBSCRIBE" link in any email. Members will continue to receive transactional and account-related communications, such as billing notices and event confirmations.

External Data Storage Sites

We may store your data on servers provided by third party hosting vendors with whom we have contracted.

Changes to this Statement

CYBER BUYER reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our website, and/or by updating any privacy information. Your continued use of the website and/or Services available after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy.

Contact Information

CYBER BUYER® welcomes your questions or comments regarding this Statement of Privacy. If you believe that CYBER BUYER or The Cyber Breakfast Club has not adhered to this Statement, please contact CYBER BUYER at:

Effective as of May 17, 2021.Revised October 28, 2026.

The Cyber Breakfast Club Website Terms and Conditions can be viewed below.

Electronic Communications

Visiting https://www.cyberbreakfastclub.com or sending emails to CYBER BUYER or The Cyber Breakfast Club constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.

Children Under Thirteen

CYBER BUYER does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 18, you may use https://www.cyberbreakfastclub.com only with permission of a parent or guardian. Membership, meetings, and events are limited to individuals 18 years of age or older.

Membership Eligibility and Approval

Membership in The Cyber Breakfast Club is restricted to qualified cybersecurity practitioners and executive leaders. Sales professionals are not eligible as members. Applications are reviewed and may be approved, rejected, or held for additional information at CYBER BUYER's sole discretion. Payment alone does not create membership access; approval remains a separate requirement. Membership pricing, minimum terms, renewal, cancellation, and reinstatement are governed by the Membership Agreement.

Community Standards

Members and attendees must participate respectfully, protect confidential peer discussions, and avoid promotional or solicitous behavior.

Event Registration Terms and Conditions

CYBER BUYER LLC ("CYBER BUYER") reserves the right to update and change any part or all these Registration Terms and Conditions at any time without notifying you first. If any changes to these Registration Terms and Conditions have a material effect on the privacy of individuals, CYBER BUYER will follow applicable privacy regulation obligations. If CYBER BUYER updates or changes these Registration Terms and Conditions, the updated Registration Terms and Conditions will be posted on The Cyber Breakfast Club website. By registering for a Cyber Breakfast Club meeting or event, or any CYBER BUYER event, you hereby consent to these Registration Terms and Conditions and agree to be bound by them.

Attendees must be at least 18 years of age to attend The Cyber Breakfast Club and all related events, including evening events. CYBER BUYER, where applicable, provides technology and/or event related services in accordance with all applicable laws within the United States and in other jurisdictions where it conducts business. As such, CYBER BUYER may prohibit an individual from a restricted country or territory from an event registration. All decisions are in CYBER BUYER's sole discretion and shall be considered final. Membership and Cyber Breakfast Club meetings and events are for Cybersecurity Practitioners only. No Sales Professionals unless you are a paying sponsor of the event attending.

Event Assumption of Risk, Release, Hold Harmless

You understand that participation in The Cyber Breakfast Club meetings and events and CYBER BUYER events, and travel to and around our events, carries inherent risks, including the risk of exposure to and contraction of communicable diseases, bacteria, agents, and viruses (such as COVID-19 and influenza). You acknowledge and accept that these risks cannot be eliminated regardless of the care taken to avoid them, and that you could contract a communicable illness even though CYBER BUYER has taken reasonable steps to prevent the risk of transmission. By participating in The Cyber Breakfast Club meetings and events, you assume these risks and agree to release and hold harmless CYBER BUYER and the Venue, and their respective employees, agents, subcontractors, hosts, sponsors and representatives from any damages, losses, injuries, liabilities, claims, and expenses arising from the contraction or spread of communicable diseases, bacteria, agents, and viruses, due to your travel to, from, or participation in any aspect of The Cyber Breakfast Club meetings and events. This obligation is binding on you and on your successors and heirs.

Event and Cyber Breakfast Club Admittance

In its sole discretion and without refund or liability, CYBER BUYER reserves the right to refuse admittance to or expel from The Cyber Breakfast Club meetings, events, and Cyber Breakfast Club Membership anyone that it determines is behaving in a manner that could be disruptive to The Cyber Breakfast Club meetings and events or any other attendee or member.

Soliciting During The Cyber Breakfast Club Meetings and Events

Suitcasing, outboarding, guerilla marketing, or similar marketing tactics are prohibited at The Cyber Breakfast Club meetings and events. CYBER BUYER reserves the right in its sole discretion to remove any individual who is reported to be soliciting during a Cyber Breakfast Club meeting or event and who is not a sponsor, vendor, partner or exhibitor of that meeting or event. CYBER BUYER encourages attendees to support paid sponsors and exhibitors who, in turn, are supporting the industry and not to listen to a sales pitch from a non-sponsor or non-exhibitor.

Sharing Your Contact Data for Cyber Breakfast Club Meetings and Events

By registering for or attending a Cyber Breakfast Club meeting or event, you consent to CYBER BUYER sharing your contact data with the sponsors and vendors of that meeting or event. You may be asked to share your information when visiting with exhibitors and/or sponsors for the purposes of conducting business and marketing communications regarding their own products or services. If you register for a meeting or event, you are consenting to allow CYBER BUYER and its representatives and agents to share your contact data with the exhibitors, sponsors and vendors of that meeting or event. You will be subject to such third party's communications and privacy practices. If you wish to opt-out or exercise any applicable privacy rights you may have regarding these third-party communications, please exercise those rights directly with those third parties.

You consent to CYBER BUYER and its representatives and agents using your contact data so you can receive meeting and event information, credentials, and CPE certificates for both in-person and/or online meetings and events.

Event Photography, Audio, and Video Recording

CYBER BUYER may photograph or video record Cyber Breakfast Club meetings and events, and attendees, exhibitors, sponsors, news organizations, or other companies may photograph event activities held in public spaces. You may be photographed or videotaped while attending a meeting or event. You agree and accept that such photographs or videos of you may be used for future The Cyber Breakfast Club and/or CYBER BUYER marketing materials. No remuneration will be provided for use of your image.

Video and audio recording of Cyber Breakfast Club meeting content and peer discussions is strictly prohibited unless you have obtained express written consent from CYBER BUYER.

Links to Third Party Sites/Third Party Services

https://www.cyberbreakfastclub.com may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of CYBER BUYER and CYBER BUYER is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. CYBER BUYER is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by CYBER BUYER of the site or any association with its operators.

Certain services made available via https://www.cyberbreakfastclub.com are delivered by third party sites and organizations. By using any product, service or functionality originating from the https://www.cyberbreakfastclub.com domain, you hereby acknowledge and consent that CYBER BUYER may share such information and data with any third party with whom CYBER BUYER has a contractual relationship to provide the requested product, service or functionality on behalf of https://www.cyberbreakfastclub.com users and members.

No Unlawful or Prohibited Use/Intellectual Property

You are granted a non-exclusive, non-transferable, revocable license to access and use https://www.cyberbreakfastclub.com strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to CYBER BUYER that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of CYBER BUYER or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. CYBER BUYER® and The Cyber Breakfast Club® are registered trademarks of CYBER BUYER LLC. Breach Tank™ and COYOTE BROWN™ are trademarks of CYBER BUYER LLC. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. Cyber Breakfast Club content and member-only resources are not for resale or redistribution. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of CYBER BUYER and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of CYBER BUYER or our licensors except as expressly authorized by these Terms.

International Users

The Service is controlled, operated and administered by CYBER BUYER from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use The Cyber Breakfast Club content accessed through https://www.cyberbreakfastclub.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.

Indemnification

You agree to indemnify, defend and hold harmless CYBER BUYER, its officers, directors, employees, agents, vendors, suppliers, affiliates and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. CYBER BUYER LLC reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with CYBER BUYER in asserting any available defenses.

Liability Disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. CYBER BUYER LLC AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.

CYBER BUYER AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. CYBER BUYER LLC AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CYBER BUYER LLC AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF CYBER BUYER LLC OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

Termination/Access Restriction

CYBER BUYER reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of North Carolina and you hereby consent to the exclusive jurisdiction and venue of courts in North Carolina in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and CYBER BUYER as a result of this agreement or use of the Site. CYBER BUYER's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of CYBER BUYER's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by CYBER BUYER with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.

Unless otherwise specified herein (including the Membership Agreement), this agreement constitutes the entire agreement between the user and CYBER BUYER with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and CYBER BUYER with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.

Changes to Terms

CYBER BUYER reserves the right, in its sole discretion, to change the Terms under which https://www.cyberbreakfastclub.com is offered. The most current version of the Terms will supersede all previous versions. CYBER BUYER encourages you to periodically review the Terms to stay informed of our updates.

Contact Us

CYBER BUYER® welcomes your questions or comments regarding the Terms:

Effective as of May 17, 2021.Revised October 28, 2026.