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ARSIXETF / FundAMG River Road Small Cap Value Fund

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Sharia status
NOT COMPLIANT
Screened by look-through to its filed holdings — 88% of portfolio weight covered
Fund look-through

AMG River Road Small Cap Value Fund · AMG Funds IV

66 holdings

NON-COMPLIANT 62.38% of portfolio weight is in non-compliant holdings, over the 5% threshold.

66 holdings, 58 matched (88% of weight). Portfolio as of 2026-07-31, filed 2026-09-25. Source: SEC Form N-PORT.

3.03% of this portfolio’s income is non-permissible — weighted across holdings, computed over 86% of portfolio weight (57 of 66 holdings). The common approach purifies that proportion of income received — dividends — not of the position’s value. We report the ratio; what to do with it is a question for your own scholar.

24.3% compliant 1.6% questionable 62.2% non-compliant 11.8% unscreened

All holdings (66)
HoldingStatusWeightEvery methodology, and the debt ratio behind it
FIXED INCOME CLEARING CORPORATION UNSCREENED 7.12% no in-house ratios for this holding
WTM WHITE MOUNTAINS INSURANCE GROUP LTD NON_COMPLIANT 4.35% AAOIFI17.8% Usmani6.8% Dow Jones Islamic18.9% S&P Shariah19.8% MSCI Islamic6.8% MSCI Islamic M-Series19.8% FTSE Shariah6.8%
CXW CORECIVIC INC NON_COMPLIANT 3.80% AAOIFI39.5% Usmani39.3% Dow Jones Islamic61.9% S&P Shariah68.7% MSCI Islamic39.3% MSCI Islamic M-Series68.7% FTSE Shariah39.3%
MGRC MCGRATH RENTCORP COMPLIANT 3.52% AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0%
ABG ASBURY AUTOMOTIVE GROUP INC NON_COMPLIANT 3.34% AAOIFI96.6% Usmani32.3% Dow Jones Islamic82.3% S&P Shariah82.1% MSCI Islamic32.3% MSCI Islamic M-Series82.1% FTSE Shariah30.3%
GXO GXO LOGISTICS INC NON_COMPLIANT 3.17% AAOIFI110.4% Usmani53.3% Dow Jones Islamic105.4% S&P Shariah102.0% MSCI Islamic49.5% MSCI Islamic M-Series102.0% FTSE Shariah25.9%
GNW GENWORTH FINANCIAL INC NON_COMPLIANT 2.81% AAOIFI38.4% Usmani1.7% Dow Jones Islamic45.9% S&P Shariah48.4% MSCI Islamic1.7% MSCI Islamic M-Series48.4% FTSE Shariah1.7%
AWI ARMSTRONG WORLD INDUSTRIES INC COMPLIANT 2.54% AAOIFI7.5% Usmani28.9% Dow Jones Islamic7.7% S&P Shariah8.7% MSCI Islamic27.1% MSCI Islamic M-Series8.7% FTSE Shariah24.5%
CALM CAL-MAINE FOODS INC COMPLIANT 2.42% AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah—
PLUS EPLUS INC COMPLIANT 2.38% AAOIFI2.3% Usmani2.9% Dow Jones Islamic2.6% S&P Shariah2.7% MSCI Islamic2.9% MSCI Islamic M-Series2.7% FTSE Shariah2.1%
CHE CHEMED CORP COMPLIANT 2.24% AAOIFI4.3% Usmani18.7% Dow Jones Islamic4.2% S&P Shariah3.9% MSCI Islamic18.7% MSCI Islamic M-Series3.9% FTSE Shariah8.9%
IMKTA INGLES MARKETS INC NON_COMPLIANT 2.21% AAOIFI34.4% Usmani20.0% Dow Jones Islamic37.9% S&P Shariah37.5% MSCI Islamic19.9% MSCI Islamic M-Series37.5% FTSE Shariah19.0%
VNT VONTIER CORP NON_COMPLIANT 2.18% AAOIFI35.9% Usmani40.3% Dow Jones Islamic30.9% S&P Shariah30.2% MSCI Islamic40.3% MSCI Islamic M-Series30.2% FTSE Shariah39.6%
PRSU PURSUIT ATTRACTIONS AND HOSPITALITY INC NON_COMPLIANT 2.16% AAOIFI13.4% Usmani24.2% Dow Jones Islamic19.5% S&P Shariah21.7% MSCI Islamic19.7% MSCI Islamic M-Series21.7% FTSE Shariah18.9%
HAE HAEMONETICS CORP NON_COMPLIANT 2.08% AAOIFI22.5% Usmani51.8% Dow Jones Islamic36.0% S&P Shariah33.2% MSCI Islamic51.8% MSCI Islamic M-Series33.2% FTSE Shariah49.6%
ICUI ICU MEDICAL INC NON_COMPLIANT 1.88% AAOIFI32.0% Usmani32.4% Dow Jones Islamic35.8% S&P Shariah38.7% MSCI Islamic32.3% MSCI Islamic M-Series38.7% FTSE Shariah31.0%
DOLE DOLE PLC NON_COMPLIANT 1.83% AAOIFI107.7% Usmani31.7% Dow Jones Islamic105.3% S&P Shariah112.1% MSCI Islamic31.7% MSCI Islamic M-Series112.1% FTSE Shariah22.5%
TTAM TITAN AMERICA SA COMPLIANT 1.80% AAOIFI13.8% Usmani20.6% Dow Jones Islamic— S&P Shariah— MSCI Islamic20.6% MSCI Islamic M-Series— FTSE Shariah20.6%
INGM INGRAM MICRO HOLDING CORP NON_COMPLIANT 1.76% AAOIFI63.8% Usmani19.7% Dow Jones Islamic81.1% S&P Shariahfail MSCI Islamic19.7% MSCI Islamic M-Seriesfail FTSE Shariah17.6%
IRT INDEPENDENCE REALTY TRUST INC NON_COMPLIANT 1.73% AAOIFI62.8% Usmani40.1% Dow Jones Islamic60.8% S&P Shariah64.8% MSCI Islamic40.1% MSCI Islamic M-Series64.8% FTSE Shariah40.1%
WEX WEX INC NON_COMPLIANT 1.65% AAOIFI56.3% Usmani21.7% Dow Jones Islamic61.0% S&P Shariah53.6% MSCI Islamic21.7% MSCI Islamic M-Series53.6% FTSE Shariah21.7%
WSC WILLSCOT HOLDINGS CORP NON_COMPLIANT 1.64% AAOIFI87.2% Usmani64.7% Dow Jones Islamic77.7% S&P Shariah64.9% MSCI Islamic64.7% MSCI Islamic M-Series64.9% FTSE Shariah59.6%
PSMT PRICESMART INC QUESTIONABLE 1.64% AAOIFI6.1% Usmani12.8% Dow Jones Islamic8.3% S&P Shariah9.5% MSCI Islamic12.8% MSCI Islamic M-Series9.5% FTSE Shariah7.1%
AGO ASSURED GUARANTY LTD NON_COMPLIANT 1.58% AAOIFI51.2% Usmani13.5% Dow Jones Islamic42.8% S&P Shariah42.5% MSCI Islamic13.5% MSCI Islamic M-Series42.5% FTSE Shariah13.5%
SWX SOUTHWEST GAS HOLDINGS INC NON_COMPLIANT 1.57% AAOIFI55.0% Usmani33.5% Dow Jones Islamic62.9% S&P Shariah67.5% MSCI Islamic33.5% MSCI Islamic M-Series67.5% FTSE Shariah33.5%
DK DELEK US HOLDINGS INC NON_COMPLIANT 1.57% AAOIFI74.0% Usmani43.1% Dow Jones Islamic177.0% S&P Shariah187.9% MSCI Islamic43.1% MSCI Islamic M-Series187.9% FTSE Shariah42.2%
SPIRE INC (US) UNSCREENED 1.57% no in-house ratios for this holding
ALG ALAMO GROUP INC COMPLIANT 1.52% AAOIFI13.2% Usmani16.2% Dow Jones Islamic12.6% S&P Shariah12.5% MSCI Islamic16.2% MSCI Islamic M-Series12.5% FTSE Shariah15.2%
MDU MDU RESOURCES GROUP INC NON_COMPLIANT 1.52% AAOIFI62.6% Usmani33.4% Dow Jones Islamic59.6% S&P Shariah60.0% MSCI Islamic33.4% MSCI Islamic M-Series60.0% FTSE Shariah33.4%
UFPI UFP INDUSTRIES INC COMPLIANT 1.51% AAOIFI8.9% Usmani9.9% Dow Jones Islamic6.9% S&P Shariah6.6% MSCI Islamic9.9% MSCI Islamic M-Series6.6% FTSE Shariah5.7%
AXS AXIS CAPITAL HOLDINGS LTD NON_COMPLIANT 1.46% AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0%
NWE NORTHWESTERN ENERGY GROUP INC NON_COMPLIANT 1.40% AAOIFI80.1% Usmani40.2% Dow Jones Islamic97.3% S&P Shariah105.7% MSCI Islamic40.1% MSCI Islamic M-Series105.7% FTSE Shariah40.1%
TFX TELEFLEX INC NON_COMPLIANT 1.35% AAOIFI50.9% Usmani44.0% Dow Jones Islamic46.9% S&P Shariah39.1% MSCI Islamic44.0% MSCI Islamic M-Series39.1% FTSE Shariah41.4%
MUSA MURPHY USA INC COMPLIANT 1.26% AAOIFI29.4% Usmani56.5% Dow Jones Islamic30.8% S&P Shariah31.4% MSCI Islamic54.3% MSCI Islamic M-Series31.4% FTSE Shariah43.0%
TRN TRINITY INDUSTRIES INC NON_COMPLIANT 1.25% AAOIFI234.2% Usmani63.5% Dow Jones Islamic217.4% S&P Shariah229.7% MSCI Islamic63.5% MSCI Islamic M-Series229.7% FTSE Shariah63.5%
DNOW DNOW INC COMPLIANT 1.24% AAOIFI22.0% Usmani16.5% Dow Jones Islamic34.2% S&P Shariah37.6% MSCI Islamic16.5% MSCI Islamic M-Series37.6% FTSE Shariah12.4%
PRKS UNITED PARKS & RESORTS INC NON_COMPLIANT 1.21% AAOIFI131.2% Usmani91.1% Dow Jones Islamic99.1% S&P Shariah89.9% MSCI Islamic91.1% MSCI Islamic M-Series89.9% FTSE Shariah86.2%
CNNE CANNAE HOLDINGS INC NON_COMPLIANT 1.14% AAOIFI30.3% Usmani15.9% Dow Jones Islamic21.5% S&P Shariah19.3% MSCI Islamic15.9% MSCI Islamic M-Series19.3% FTSE Shariah5.6%
VAIL RESORTS INC UNSCREENED 1.13% no in-house ratios for this holding
TXNM TXNM ENERGY INC NON_COMPLIANT 1.00% AAOIFI85.5% Usmani45.0% Dow Jones Islamic101.3% S&P Shariah117.1% MSCI Islamic45.0% MSCI Islamic M-Series117.1% FTSE Shariah44.6%
MAXIMUS INC UNSCREENED 1.00% no in-house ratios for this holding
PGNY PROGYNY INC COMPLIANT 0.98% AAOIFI1.4% Usmani3.8% Dow Jones Islamic1.5% S&P Shariah1.2% MSCI Islamic3.8% MSCI Islamic M-Series1.2% FTSE Shariah0.0%
TNC TENNANT COMPANY NON_COMPLIANT 0.94% AAOIFI31.9% Usmani30.8% Dow Jones Islamic27.2% S&P Shariah25.4% MSCI Islamic30.8% MSCI Islamic M-Series25.4% FTSE Shariah28.2%
LMB LIMBACH HOLDINGS INC COMPLIANT 0.94% AAOIFI10.1% Usmani20.6% Dow Jones Islamic5.7% S&P Shariah6.9% MSCI Islamic14.7% MSCI Islamic M-Series6.9% FTSE Shariah10.1%
NMIH NMI HOLDINGS INC NON_COMPLIANT 0.93% AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0%
RDN RADIAN GROUP INC NON_COMPLIANT 0.89% AAOIFI25.4% Usmani11.6% Dow Jones Islamic26.6% S&P Shariah27.5% MSCI Islamic11.6% MSCI Islamic M-Series27.5% FTSE Shariah11.6%
SAM BOSTON BEER COMPANY INC (THE) NON_COMPLIANT 0.87% AAOIFI1.8% Usmani2.5% Dow Jones Islamic1.3% S&P Shariah1.2% MSCI Islamic2.5% MSCI Islamic M-Series1.2% FTSE Shariah0.0%
LGI HOMES INC UNSCREENED 0.86% no in-house ratios for this holding
SAIC SCIENCE APPLICATIONS INTERNATIONAL CORP NON_COMPLIANT 0.81% AAOIFI50.6% Usmani49.9% Dow Jones Islamic53.5% S&P Shariah49.8% MSCI Islamic49.9% MSCI Islamic M-Series49.8% FTSE Shariah45.8%
ENOV ENOVIS CORP NON_COMPLIANT 0.80% AAOIFI122.4% Usmani34.8% Dow Jones Islamic71.7% S&P Shariah60.3% MSCI Islamic34.8% MSCI Islamic M-Series60.3% FTSE Shariah34.1%
HUBG HUB GROUP INC COMPLIANT 0.79% AAOIFI22.6% Usmani17.2% Dow Jones Islamic16.7% S&P Shariah16.6% MSCI Islamic17.2% MSCI Islamic M-Series16.6% FTSE Shariah8.8%
TRIP TRIPADVISOR INC NON_COMPLIANT 0.78% AAOIFI78.5% Usmani35.3% Dow Jones Islamic79.4% S&P Shariah119.1% MSCI Islamic33.8% MSCI Islamic M-Series119.1% FTSE Shariah32.6%
BXC BLUELINX HOLDINGS INC NON_COMPLIANT 0.74% AAOIFI55.3% Usmani41.9% Dow Jones Islamic56.6% S&P Shariah49.8% MSCI Islamic22.2% MSCI Islamic M-Series49.8% FTSE Shariah18.5%
GEO GEO GROUP INC (THE) NON_COMPLIANT 0.68% AAOIFI38.1% Usmani42.9% Dow Jones Islamic51.1% S&P Shariah61.4% MSCI Islamic42.9% MSCI Islamic M-Series61.4% FTSE Shariah41.2%
RPC RIDGEPOST CAPITAL INC NON_COMPLIANT 0.67% AAOIFI52.4% Usmani42.6% Dow Jones Islamic43.5% S&P Shariah45.6% MSCI Islamic42.6% MSCI Islamic M-Series45.6% FTSE Shariah42.6%
HHH HOWARD HUGHES HOLDINGS INC NON_COMPLIANT 0.67% AAOIFI133.4% Usmani32.1% Dow Jones Islamic124.7% S&P Shariah129.5% MSCI Islamic32.1% MSCI Islamic M-Series129.5% FTSE Shariah32.1%
NOMD NOMAD FOODS LTD NON_COMPLIANT 0.65% AAOIFI142.4% Usmani36.2% Dow Jones Islamic127.1% S&P Shariah118.8% MSCI Islamic36.2% MSCI Islamic M-Series118.8% FTSE Shariah36.2%
ACIW ACI WORLDWIDE INC COMPLIANT 0.61% AAOIFI16.0% Usmani27.4% Dow Jones Islamic16.8% S&P Shariah18.8% MSCI Islamic27.4% MSCI Islamic M-Series18.8% FTSE Shariah26.6%
JBI JANUS INTERNATIONAL GROUP INC NON_COMPLIANT 0.56% AAOIFI89.6% Usmani47.6% Dow Jones Islamic59.6% S&P Shariah47.3% MSCI Islamic47.5% MSCI Islamic M-Series47.3% FTSE Shariah41.6%
ITRN ITURAN LOCATION & CONTROL LTD UNRATED 0.45% AAOIFI0.5% Usmani1.2% Dow Jones Islamic0.6% S&P Shariah0.7% MSCI Islamic1.2% MSCI Islamic M-Series0.7% FTSE Shariah0.0%
SMPL SIMPLY GOOD FOODS COMPANY (THE) NON_COMPLIANT 0.44% AAOIFI44.3% Usmani21.7% Dow Jones Islamic17.7% S&P Shariah15.6% MSCI Islamic21.7% MSCI Islamic M-Series15.6% FTSE Shariah19.3%
VRRM VERRA MOBILITY CORP NON_COMPLIANT 0.32% AAOIFI135.4% Usmani67.3% Dow Jones Islamic34.1% S&P Shariah31.6% MSCI Islamic67.3% MSCI Islamic M-Series31.6% FTSE Shariah64.0%
HCC WARRIOR MET COAL INC COMPLIANT 0.22% AAOIFI2.8% Usmani8.1% Dow Jones Islamic4.2% S&P Shariah4.5% MSCI Islamic5.3% MSCI Islamic M-Series4.5% FTSE Shariah5.3%
JEFFERIES LLC UNSCREENED 0.19% no in-house ratios for this holding
DAIWA CAPITAL MARKETS AMERICA INC. UNSCREENED 0.01% no in-house ratios for this holding
CITADEL SECURITIES LLC UNSCREENED 0.01% no in-house ratios for this holding

The published standards disagree about this fund by 13 points of portfolio weight — 33.4% of it passes Usmani, 20.4% passes Dow Jones Islamic. Which number is yours depends on which standard you follow.

These bars are the financial-ratio result under each standard — debt, receivables and interest income. They do not screen what the business does, so a holding can pass every ratio here and still be questionable or non-compliant on activity. The blended verdict above accounts for both.

ratios pass on 24.3% ratios fail on 58.1% 17.8% not rated under AAOIFI

58 of 66 listed holdings carry our own per-methodology verdicts (88% of weight). The rest hold a provider verdict with no methodology breakdown, and are counted as rated by none. Of those, 57 (86% of weight) also carry the underlying debt ratio; the rest show a verdict without the figure behind it.

Non-compliant holdingWeight
WTM WHITE MOUNTAINS INSURANCE GROUP LTD 4.35%
CXW CORECIVIC INC 3.80%
ABG ASBURY AUTOMOTIVE GROUP INC 3.34%
GXO GXO LOGISTICS INC 3.17%
GNW GENWORTH FINANCIAL INC 2.81%
IMKTA INGLES MARKETS INC 2.21%
VNT VONTIER CORP 2.18%
PRSU PURSUIT ATTRACTIONS AND HOSPITALITY INC 2.16%
HAE HAEMONETICS CORP 2.08%
ICUI ICU MEDICAL INC 1.88%
🕌Open research, not a fatwa — verify with your own scholar.

Trade setup

Whether the technical picture shows an edge right now. Separate from the Sharia verdict, which this side never overrides.

SEPARATE FROM SHARIAH
No trade setup shown — a stock that isn't cleanly Sharia-compliant never gets a bullish verdict here.

AMG River Road Small Cap Value Fund (ARSIX) is currently considered not halal (non-compliant), per our own look-through to its filed holdings. See its filed holdings and the weight breakdown below for the reasoning.

Screened on its holdings, not its name

HTR reads the fund's filed holdings and screens each one, then reports the result by weight. A holding it cannot cover far enough is reported as unrated rather than counted as a pass.

24.0%Compliant 1.6%Questionable 62.4%Non-compliant 11.9%Not screened 0.4%Screened, not rated
HoldingWeightVerdict
FIXED INCOME CLEARING CORPORATIONnot matched to a ticker 7.12% Not screened
WTMWHITE MOUNTAINS INSURANCE GROUP LTD 4.35% Non-compliant
CXWCORECIVIC INC 3.80% Non-compliant
MGRCMCGRATH RENTCORP 3.52% Compliant
ABGASBURY AUTOMOTIVE GROUP INC 3.34% Non-compliant
GXOGXO LOGISTICS INC 3.17% Non-compliant
GNWGENWORTH FINANCIAL INC 2.81% Non-compliant
AWIARMSTRONG WORLD INDUSTRIES INC 2.54% Compliant
CALMCAL-MAINE FOODS INC 2.42% Compliant
PLUSEPLUS INC 2.38% Compliant

Top 10 of 66 holdings, 35.4% of the fund by weight. Every holding is screened, not only these.

What holds the number back

The positions keeping this fund short of 100% compliant by weight.

  • FIXED INCOME CLEARING CORPORATIONnot screened7.12%
  • WTMnon-compliant4.35%
  • CXWnon-compliant3.80%
  • ABGnon-compliant3.34%
  • GXOnon-compliant3.17%
  • GNWnon-compliant2.81%

What changed, and when

Verdict history for ARSIX. A verdict that never moved is recorded too, so a quiet history reads as measured rather than missing.

  • 2026-09-07 No change recorded No verdict change for ARSIX has been recorded since tracking began. The scan ledger records that the compliance detectors ran, not which symbols each pass covered.

ℹ️ no compliance scan has run for 6 days - this is not a reading of today

16.8816.2215.5514.8914.232025-10-202026-04-212026-10-16

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Support & Resistance

This fund prices once a day, so its bars carry no intraday high or low — floor-trader pivots are not defined for it.

Price Forecast

The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally below. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.

7-day expected range
15.25 – 15.77
±1.64% from 15.51, made 2026-09-19 · resolves 2026-09-26
STRONG SELL
from 19 indicators
61.9% of our last 5789 forecasts landed inside their stated range, and 49.9% called the direction correctly.

Technical Summary

Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.

BUY
19 indicators
OscillatorsNEUTRAL
3 buy · 1 neutral · 3 sell
Moving averagesBUY
7 buy · 0 neutral · 5 sell
Every indicator, and what it reads
IndicatorValueSignal
RSI (14)50.90NEUTRAL
Stochastic %K (14)100.00SELL
CCI (20)129.94SELL
Williams %R (14)0.00SELL
MACD (12,26,9)0.06BUY
ROC (10)1.50BUY
Momentum (10)0.23BUY
EMA (10)15.39BUY
SMA (10)15.37BUY
EMA (20)15.43BUY
SMA (20)15.33BUY
EMA (30)15.51SELL
SMA (30)15.48BUY
EMA (50)15.65SELL
SMA (50)15.79SELL
EMA (100)15.69SELL
SMA (100)15.87SELL
EMA (200)15.45BUY
SMA (200)15.48BUY

SMC — Top Down

Market structure by timeframe, read from real bars. A bias per timeframe rather than a forecast — timeframes disagreeing is information, not noise.

No usable intraday or daily bars came back for this listing, so there is no structure to read.

Before you act on this

The questions worth asking about any verdict on this page, answered plainly.

Is a fund screened on its name?

No. HTR reads the fund's filed holdings and screens each one, then reports the result by weight. A fund marketed as Islamic still gets the same look-through as any other.

What does unrated weight mean?

It is the share of the fund whose holdings HTR cannot cover far enough to rate. It is reported as unrated rather than counted as compliant, because a holding nobody screened should not look like one that passed.

Does the issuer's board make it compliant?

It matters, and it is noted, but it does not replace the look-through. The board's judgement and the holdings screen are shown separately so you can see when they agree and when they do not.

How often is this re-screened?

When the fund files new holdings, and on a rolling basis besides. The date on the verdict above is the last time this fund was actually recomputed.

Open research, not a fatwa. HTR applies published screening standards to filings and publishes what they say, including when they disagree. Nothing here is financial advice or a recommendation to buy or sell. Verdicts can change when new filings land.

Compare with

Same screen, different answers. Comparison is where the standards disagreeing becomes useful rather than confusing.

Peer screening computing — it will appear here on its own.

AI Summary

Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.

Tell us what's working, what's confusing, or what you want to see next — read by a real person, not a form that goes nowhere.