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Best Egg is an online lending platform focused on personal loans. The company has helped fund over $7 billion in personal loans since its founding in 2014. Most Best Egg personal loans are used as debt consolidation loans to pay off high-interest debt, like credit cards, but you can use them for a variety of expenses.

With an exceptional consumer star-rating on BestCompany.com, Best Egg loan reviews indicate a quality company with exceptional service. These reviews offer a comprehensive look at the pros and cons of borrowing money through this service through the lens of people like you.

Click here to go straight to Best Egg loan reviews.

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Highlight:

  • Loan amounts: $2,000-$50,000
  • Time to funding: As quick as 1 business day after approval and verification
  • Origination Fee: 0.99-5.99%
  • Minimum income: $35,000
  • Minimum credit qualification: 600
  • Loan repayment term: 36–60 months
  • Rates (fixed): 5.99%–29.99% APR (As of January 2021)

The Good

  • Approval Requirements
  • Great for High-Interest Debt Consolidation
  • Instant Decision Process
  • Clear, Transparent Platform
  • No Prepayment Penalty Fee
  • Due Date Changes for Eligible Borrowers
  • Nearly Nationwide Coverage
  • Fixed-Term Plans
  • Simple Interest Loans
  • No Credit Impact for Loan Pre-Qualification
  • Positive Best Egg Reviews

Approval Requirements

Best Egg has lower approval requirements than you might get with other lenders.

To qualify for Best Egg's lowest rate, 5.99 percent APR, applicants should have at least a 600 minimum credit score and an annual individual income of at least $35,000.

Many other personal loan lenders have more strict approval requirements that could be challenging to meet, especially for subrpime borrowers.

Great for High-Interest Debt Consolidation

Are you looking to consolidate your debt with a personal loan?

Best Egg personal loans can be an excellent option for applicants looking to consolidate debt or pay off high-interest credit card debt, primarily due to its low annual percentage rates ( APRs*) ranging from 5.99 to 29.99 percent, and loan terms ranging from three or five years.

Best Egg also gives borrowers the opportunity to pay off their loan faster than is scheduled, without being charged any prepayment penalties. These loan terms provide a manageable payback process that is typically much more effective than many other debt relief or consolidation companies.

Best Egg gives this example of how a debt consolidation loan can help with credit card debt:

If you have two credit cards both with a $10,000 balance and a 28-year minimum payment duration, you will pay $25,589 in interest if the first credit card has a 14 percent APR and the second credit card has an 18 percent APR.

In comparison, if you have a Best Egg loan of $20,000 with a 5.99 percent APR and a three-year minimum payment duration, you will only pay $1,901 in interest.

With the same balance and a better APR, Best Egg's debt consolidation loans could save you $23,688.

Instant Decision Process

After the application process is complete, Best Egg provides an instant decision (approved or declined) to the borrower. Because Best Egg is an online lending platform, the loan application process is quick and easy, making it simple for consumers to apply and receive funds.

After submitting any documents for verification, customers could have their money in their bank or checking account in as little as one business day. Nearly all customers will be funded within three business days after final approval, depending on their banks' policies.

It is important to note that most personal loan lenders have an online application, but some will also require applicants to speak with a company representative over the phone to complete the process. A entirely online application can save you more time and get you funding much faster, as is the case with Best Egg.

Clear, Transparent Platform

Best Egg makes repaying loans simple, with several options to make loan payments:

  • setting up automatic payment through electronic funds transfer
  • paying online
  • sending a check through the mail - Payments sent in the mail should be given at least five to seven days to reach Best Egg.

Borrowers don't have to worry about a payment processing fee. Customers can also set up monthly payments at a Western Union office. Keep in mind that there is a fee charged for each transfer.

Best Egg is transparent when it comes to sharing information with customers and provides clients with loan terms, including the fixed interest rates and monthly payment amounts. Best Egg also provides an easy-to-find, clear privacy policy on its website with information detailing how it limits the sharing of clients' personal information.

Best Egg's website is easy-to-use and transparent and has the majority of information you will need with answers to common questions you may have. Your personalized Best Egg login also has your account information listed, including account balance, payment due date and amount, late payment info, as well as your payoff amount. Having all of this readily available to you makes it simple to manage your personal loan and ensure you stay up-to-date with payments and important changes to your account.

No Prepayment Penalty Fee

Best Egg does not charge a prepayment penalty fee if you decide to make extra payments or repay the loan faster than your loan term requires. Prepaying on your loan will reduce the amount of interest you pay, so this will only benefit you if you choose to do so. Be sure to regularly communicate with Best Egg once you have your loan, so you always know what your payoff amount is.

You can see your payoff amount at any time through the Best Egg account portal. This will also show you how much you could save in interest fees if you pay off your loan early. Penalty-free prepayment is always preferable, especially if you are looking for a consolidation loan with the goal of eliminating needless interest and fees on your other accounts.

Due Date Changes for Eligible Borrowers

Best Egg personal loan payment due dates are subject to change for eligible borrowers. This allows flexibility for consumers to change the due date if necessary. For example, if you prefer to pay your bills at the end of the month versus the beginning of the month, Best Egg, when possible, will work with you to decide on a due date that works best for your budget and financial situation.

Nearly Nationwide Coverage

Best Egg offers its lending services to 47 states. Having nearly nationwide service creates more opportunities for consumers to work with Best Egg. Many personal loan companies have a much smaller coverage area, making it difficult for borrowers residing in non-covered states.

Fixed-Term Plans

Best Egg offers personal loans with fixed-term plans.

This means that the amount you pay each month will not fluctuate, and your rates will stay the same throughout the lifespan of your Best Egg loan term.

This provides peace of mind and stability to borrowers and makes it easier for them to stay on top of payments throughout the loan term, as there will be no rate changes that can be expected with a variable rate personal loan

Simple Interest Loans

Best Egg loans offer simple interest loans rather than compound interest loans. Simple interest can save you more money overall because interest is calculated only on the outstanding principal balance. Compound interest loans charge interest on the principal as well as on accumulated interest from past non-payments, thus potentially increasing your payments.

No Credit Impact for Loan Pre-Qualification

When you check your rate and potential to qualify through the Best Egg lending platform, your credit score will not be impacted.

Like many online lenders, Best Egg uses a soft credit inquiry to see if you are eligible and to determine what your rates would be. This requires entering personal details including your name, address, social security number, annual salary, whether you have recently used your credit card for a cash advance, etc. The opportunity to pre-qualify makes it easy for potential borrowers to make smarter financial decisions. They can compare lender rates and decide if Best Egg is right for them, without negatively impacting their credit in the process.

If you choose to accept Best Egg's loan offer a hard credit inquiry will be performed, which is standard in the industry

Positive Best Egg Reviews

The majority of Best Egg loan reviews left on BestCompany.com from real customers are overwhelmingly positive, highlighting a quick and straightforward loan application and process, satisfactory rates, and excellent customer service. Best Egg complaints are limited.

If you are interested in reading all current Best Egg reviews, click here.

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The Bad

  • Loan Origination Fees
  • No Joint Loans Available
  • Time in Business

Loan Origination Fees

Best Egg personal loans have an origination fee between 0.99 and 5.99 percent of the total loan amount. The origination fee is the one-time cost for Best Egg processing the loan.

Unlike the interest rate, the APR includes both the interest rate and all fees, including the origination fee.

Best Egg states that any loan with a five-year repayment period will have a loan origination fee of at least 4.99 percent. This fee is deducted from the loan when funds are deposited into your bank account and is considered when calculating the annual interest rate.*

No Joint Loans Available

Best Egg does not currently offer joint loans. Many other lenders have a joint loan and/or cosigner option which can help subprime borrowers qualify and receive lower rates.

If you are looking for a personal loan, but want to apply with a cosigner, consider lending sites like FreedomPlus and Upgrade, or peer-to-peer lending platform, LendingClub.

Time in Business

Best Egg has only been in business since 2013. Although that isn't as long as some other lending companies, Best Egg has proven through consumer reviews and customer satisfaction that it is a top-notch quality service provider.

The Bottom Line

Best Egg's platform offers personal loans to borrowers with good credit and excellent credit. These loans can be used for a variety of purposes, including debt consolidation loans, credit card refinancing, and home improvement - but cannot be used for a student loan or auto loan (which is typical for personal loan companies). These loans are encompassed in a quick approval process and a transparent platform.

Best Egg is unlike online peer-to-peer lending platforms that have to wait for investors to fund loans. Its financial institution partner, Cross River Bank, is ready to fund qualified applicants, which allows Best Egg to transfer funds electronically to a bank account in as little as one business day.

Best Egg offers unsecured loans with a fixed monthly payment for the life of the loan. The online loan application process takes a few minutes to complete. A soft credit check will be performed once an application is submitted, but customers don't need to worry about this credit check having an impact on their credit score or showing up on a credit report. There is also no prepayment penalty fee.

Approval requirements are low and minimal, which is particularly good news for subrpime borrowers - Best Egg's minimum credit score is 600 and minimum income is $35,000. This could make it easier to approved for a personal loan, although your rates and terms will still be dependent upon your finances.

Read Best Egg loan reviews below to see what consumers are saying about this online lending service.


*Trustpilot TrustScore as of June 2020. Best Egg loans are unsecured personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. “Best Egg” is a trademark of Marlette Funding, LLC. All uses of “Best Egg” refer to “the Best Egg personal loan” and/or “Best Egg on behalf of Cross River Bank, as originator of the Best Egg personal loan,” as applicable. The term, amount and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500 ; New Mexico and Ohio, $5,000; and Georgia, $3,000. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $50,000. Annual Percentage Rates (APRs) range from 5.99%–29.99%.  The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–6.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

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User Reviews

Star Rating

4.9
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8,308 Reviews

Review Breakdown

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4 star
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1 star
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Sentiment Criteria

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Juan Valencia

January 29th, 2021 , IL DETAILS arrow_drop_down
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Second loan I get with Best Egg. Always easy and great rates

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Reply from Best Egg

Jan 29, 2021

We are glad to have you back! Thanks for sharing!

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Bulletproof X

January 29th, 2021 North Little Rock, AR DETAILS arrow_drop_down
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Don’t waste your time giving them your information. I had more than the require minimum credit score and annual income and still didn’t get approved. Misrepresenting their information about the minimum 600 and $35,000 annual income. Don’t let the good reviews fool you, they probably come from people who has 700+ credit scores. So if you have a 600- 650 mostly you won’t be approved.

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Reply from Best Egg

Feb 01, 2021

We apologize we did not have offers available for you at this time. If you haven’t already, you should receive a letter online or by email that provides a reason why we weren’t able to find rates for you at this time. Loan offers are a combination of an individual’s application and credit history. Factors like the current economic turbulence may have impacted the availability of rates and result in higher interest rates/APR. If you're pre-approved, it means that your credit report, as reported by credit agencies, meets certain criteria that we look for in customers. We need additional information, such as income, that you’ll submit in our application to see if you qualify for a loan from us. Checking your rates has no impact on your credit score. We encourage you to check back in 30-60 days to give your credit a chance to update. If you have any additional questions you would like to discuss, please feel free to reach out at 855-282-6353.

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Joan C Spry

January 28th, 2021 Spring, TX

It was very easy to complete needed data

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Reply from Best Egg

Jan 29, 2021

Thanks so much for sharing your experience with us!

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marc anderson

January 28th, 2021 Rosedale, NY

Best Egg is the best fill in your information and a loan with in minutes love it .

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Reply from Best Egg

Jan 29, 2021

Thanks for sharing, Marc!

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Tim

January 28th, 2021 Boise, ID DETAILS arrow_drop_down
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Best Egg is the Best Loan company you can deal with, I speak from experience that the process is simple & smooth. I have had 2 loans with them in the past and just completed the process for a 3rd to consolidate and complete some home projects. Best Egg is truly the BEST....

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Reply from Best Egg

Jan 29, 2021

Thanks for sharing, Tim! That means a lot.

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Stephen Ward

January 28th, 2021 ,

Fast and easy approval. Excited and pleased.

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Reply from Best Egg

Jan 29, 2021

Fast and easy is what we like to hear! Thanks for sharing!

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J Jacks

January 28th, 2021 Valrico, FL

The application process has been good, with 3 extremely helpful customer service representatives. I wish the fees were disclosed earlier in the process so that I was not surprised by the difference between the loan amount requested and the proposed disbursement amount. I ended up calling and have my loan reworked to ensure that the amount received met my needs instead of falling $500 short. The loan processing was extremely quick (under 24 hours from application to funding) and thankfully I just made the cutoff time to adjust the loan amount upwards & ensure sufficient funds were deposited into my account.

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Reply from Best Egg

Jan 29, 2021

We are pleased to hear that! Thanks for sharing your feedback with us.

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Janie B.

January 28th, 2021 Charlotte, NC DETAILS arrow_drop_down
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I got a better interest rate. It was easy applying for the loan.

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Reply from Best Egg

Jan 29, 2021

We are thrilled to hear we made it easy for you! Thanks so much for sharing!

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kelvin sutton

January 28th, 2021 Greenville, NC

Very professional would Recommend them to Family and friends

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Reply from Best Egg

Jan 29, 2021

That is wonderful to hear! Thanks!

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Christine Johnson

January 28th, 2021 Westport, CT DETAILS arrow_drop_down
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The process and experience with Best Egg was quick and simple. This is my second loan with Best Egg. I wholeheartedly recommend them for anyone wanting to consolidate debt to pay off debt faster. I give them 5 stars out of 5 stars!! They are amazing!!

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Reply from Best Egg

Jan 29, 2021

Quick and simple is what we like to hear! Thanks for sharing, Christine.

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Bill

January 28th, 2021 Montgomery, AL

It was very quick and easy no problems. Great experience.

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Reply from Best Egg

Jan 29, 2021

Quick and easy is what we like to hear! Thanks for sharing, Bill!

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Ana Williams

January 28th, 2021 Cypress, TX

Quick and easy, interest lower than other lenders.

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Reply from Best Egg

Jan 29, 2021

Quick and easy is what we like to hear! Thanks for sharing, Ana.

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Jn KM

January 27th, 2021 Orlando, FL

Very fast, easy and professional service .

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Reply from Best Egg

Jan 29, 2021

Fast and easy is what we like to hear! Thanks for sharing!

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Lidia Torcasio

January 27th, 2021 Acton, MA

The representative was very knowledgeable, patient and kind.

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Reply from Best Egg

Jan 28, 2021

Thanks so much for sharing! We are pleased to hear that!

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Jay Avey

January 27th, 2021 Austin, TX DETAILS arrow_drop_down
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Quick, easy, secure and always reliable. Repeat lendee.

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Reply from Best Egg

Jan 28, 2021

Quick and easy is what we like to hear! Thanks for sharing, Jay!

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Cesar Quant

January 27th, 2021 Downingtown, PA DETAILS arrow_drop_down
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Very simple... very quick and very helpful! This is our 2nd loan with Best Egg, and we are looking forward to saving even more!

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Reply from Best Egg

Jan 28, 2021

We are glad to have you back! Thanks so much for sharing, Cesar!

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Brenda Diane Mckinnie

January 26th, 2021 Eden, NC

It was the easiest personal loan I have ever done. This was to consolidate credit card debt. It only took a few minutes to get approved. So simple!!!

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Reply from Best Egg

Jan 28, 2021

We are pleased to hear we made it easy for you! Thanks so much for sharing, Brenda!

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Robert Crawford

January 26th, 2021 Saint Paul, MN

Great experience! Very helpful representative!

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Reply from Best Egg

Jan 28, 2021

We are glad to hear you had such a great experience! Thanks for sharing!

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VAL Lopez

January 26th, 2021 Aberdeen, WA DETAILS arrow_drop_down
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Great and seamless approval process. I am a criminal justice professional and will utilize Best egg in the future. Thank you for the loan for my home improvement " roof replacement".

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Reply from Best Egg

Jan 28, 2021

The pleasure is all ours :)

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Kyle Pham

January 25th, 2021 Alhambra, CA

I've been applying for loans for a couple months now and even before when I had an excellent credit score, I was decline loans all over due to the pandemic since my income was lower. I'm glad I found this. It's a life saver! So glad I was able to get approved in no time! (:

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Reply from Best Egg

Jan 28, 2021

Thanks for sharing your experience, Kyle!

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alejandroo sosa

January 25th, 2021 Fountain Hill, PA DETAILS arrow_drop_down
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Very nice and wonderful experience that you can have.

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Reply from Best Egg

Jan 28, 2021

Thanks for sharing!

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David Griggs

January 25th, 2021 , DETAILS arrow_drop_down
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EXCELLENT EASY PROCESS. SIMPLE, FAST, EASY TO UNDERSTAND! JUST A FEW CLICKS TO GETTING YOUR FUNDS!!!

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Reply from Best Egg

Jan 28, 2021

Fast and easy is what we like to hear! Thanks for sharing!

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jmcbaby50

January 25th, 2021 Washington, DC

I was Quick and easy. A great decision when you are making home improvements.

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Reply from Best Egg

Jan 28, 2021

Quick and easy is what we like to hear!

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Jackie Hanko

January 24th, 2021 Tampa, FL

This was super easy to navigate and go through! My interest rates on my credit cards were super high and I wasn’t making any leeway with them and I found this website through a government issued website I was scrolling through and the interest rate is so much lower and I’ll be saving so much more money and I’m glad that I’m on a payment plan for something I can afford so I’m very grateful… Thank you for your service!

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Reply from Best Egg

Jan 28, 2021

We are pleased to hear we made it easy for you! Thanks for sharing, Jackie!

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Patricia M Matos

January 24th, 2021 Union City, NJ DETAILS arrow_drop_down
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Easy and fast!!! Can't believe how easy this was I would have done it months ago. AMAZING!!!

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Reply from Best Egg

Jan 28, 2021

Fast and easy is what we like to hear! Thanks for sharing!

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Destannie Crosby-Williams

January 23rd, 2021 Rochester, NY DETAILS arrow_drop_down
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They are always right on time. Even though the rates are a little steep. I will refer friends and family.

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Reply from Best Egg

Jan 28, 2021

Thanks for sharing and recommending us!

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Chuck Roberts

January 23rd, 2021 Ypsilanti, MI DETAILS arrow_drop_down
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I have used them before. The entire process is very simple with plenty of explanation provided.

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Reply from Best Egg

Jan 28, 2021

We are glad to have you back!

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Josephine Bojang

January 22nd, 2021 Poolesville, MD

Great, ease of process and loan application

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Reply from Best Egg

Jan 28, 2021

That is wonderful to hear! Thank you for sharing.

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Debbie Bowen

January 22nd, 2021 Minneapolis, MN

The loan process was very easy. I got approved right away and I am very grateful! Thank you, Best Egg 🥚 😋

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Reply from Best Egg

Jan 28, 2021

The pleasure is all ours :)

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Tim Johnson

January 21st, 2021 Rolette, ND DETAILS arrow_drop_down
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Very fast and easy especially if you are a returning customer

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Reply from Best Egg

Jan 28, 2021

Fast and easy is what we like to hear! Thanks for sharing!

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Stiles Bitchley

January 21st, 2021 Sioux Falls, SD DETAILS arrow_drop_down
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Very simple and straight-forward. Very competitive rates. It was EXTEREMELY simple to navigate through the process.

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Reply from Best Egg

Jan 28, 2021

We are thrilled to hear we made it simple for you! Thanks for sharing.

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William Szczerba

January 20th, 2021 Georgetown, TX DETAILS arrow_drop_down
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No issues and straight to the point of approval! Hassle free loan application! Thank you again!

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Reply from Best Egg

Jan 28, 2021

The pleasure is all ours :)

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LaTonya Miles

January 20th, 2021 Kendall Park, NJ

Easy application process, great customer service and fast delivery of funds. So far so good.

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Reply from Best Egg

Jan 28, 2021

We are pleased to hear we made it easy for you! Thanks so much for sharing.

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David

January 20th, 2021 , DETAILS arrow_drop_down
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Easy , super fast ! This is my second loan with Best Egg ! They definitely live up to there name!

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Reply from Best Egg

Jan 28, 2021

We are glad to have you back!

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John B

January 20th, 2021 Waterbury, CT

This was fast, easy and painless. Will definitely recommend BEST EGG

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Reply from Best Egg

Jan 28, 2021

Fast and easy is what we like to hear! Thanks for sharing!

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Bill Davis

January 20th, 2021 Grovetown, GA

Super easy application process and I was approved in seconds. Best Egg will allow me to be credit card debt free and have a few dollars left over!! Thank you so very much Best Egg!

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Reply from Best Egg

Jan 28, 2021

The pleasure is all ours :)

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Kevin Aviles

January 19th, 2021 Katy, TX

The process of application was easy and fast. The approval response took literally 10 minutes and the interest rate is very competitive.

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Reply from Best Egg

Jan 20, 2021

Fast and easy is what we like to hear! Thanks so much for sharing, Kevin!

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Diane Herring

January 15th, 2021 Palm Bay, FL

So far, this has been the easiest loan application process I have ever experienced.

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Reply from Best Egg

Jan 20, 2021

We are thrilled to hear that, Diane! Thanks so much for sharing!

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Ben Gusmus

January 15th, 2021 Denver, CO

Was easy to get loan. Liked the people I dealt with.

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Reply from Best Egg

Jan 20, 2021

Thanks so much for sharing, Ben! We are pleased to hear that!

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norberto escamilla

January 15th, 2021 Taylorsville, CA

went fast and smooth no anoying phone calls easy as 1 2 3

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Reply from Best Egg

Jan 20, 2021

Thanks for sharing!

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Michael J Day

January 15th, 2021 Milwaukee, WI

Quick, Easy, Safe great experience so far THANKS FOR HELPING ME GET OUT OF DEBT

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Reply from Best Egg

Jan 20, 2021

We are glad we could help! Thanks so much for sharing, Michael!

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Andrew Ojala

January 11th, 2021 Peterborough, NH

Very easy to use and am excited to get debt under control!

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Reply from Best Egg

Jan 12, 2021

We are thrilled to hear we made it easy for you!

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Douglas p Belasco

January 10th, 2021 Hilton, NY DETAILS arrow_drop_down
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easy to get friendly help there when you need them

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Reply from Best Egg

Jan 12, 2021

Thanks so much for sharing! We are thrilled to hear we made it easy for you!

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George Acosta

January 8th, 2021 Stuart, FL

It was fast and easy to fill the application

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Reply from Best Egg

Jan 12, 2021

Fast and easy is what we like to hear! Thanks for sharing!

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Rhonda Rollins

January 8th, 2021 Newport, NH

The process was very easy and the short amount of time it took to receive the funds, was very impressive. I am looking forward to becoming debt free and Best Egg is allowing me to do that with a term and rate that I felt were fair.

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Reply from Best Egg

Jan 12, 2021

Thanks for sharing, Rhonda!

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Manuel Escarcega

January 7th, 2021 Capitola, CA

Very fast and painless process. Communication is very transparent. I was really pleased with the service Best Egg has provided.

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Reply from Best Egg

Jan 12, 2021

We are pleased to hear you are pleased! Thanks for sharing!

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Michael Durbin

January 7th, 2021 Billings, MO DETAILS arrow_drop_down
Value for your money
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Fast, easy and very in tune to todays needs.

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Reply from Best Egg

Jan 12, 2021

Fast and easy is what we like to hear!

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James

January 7th, 2021 Los Banos, CA

Fast and easy filling out the required information.

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Reply from Best Egg

Jan 12, 2021

Fast and easy is what we like to hear! Thanks for sharing!

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Brenda Pavlosky

January 7th, 2021 South Fork, PA

easy to apply and simple to do money within days

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Reply from Best Egg

Jan 12, 2021

Easy and simple is what we like to hear! Thanks for sharing!

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Happycustomer

January 7th, 2021 Woodbridge, VA DETAILS arrow_drop_down
Value for your money
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I love this company this is my second loan from them. The loan was approved within minutes. The best thing that I love is that you can check for a loan without pulling on your credit until you confirm that you moving forward with the loan. I cannot believe how quickly the process is. Thank you much BestEgg.

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Reply from Best Egg

Jan 12, 2021

We are glad to have you back! Thanks so much for sharing!