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TERMINAL
DI

DIVDETF / FundAltrius Global Dividend ETF

$43.00 last close 2026-10-09
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Verdicts genuinely change. Free email alert the moment DIVD's does — no target price to set, unlike "Alert" above.

Sharia status
NOT COMPLIANT
Screened by look-through to its filed holdings — 99% of portfolio weight covered
Fund look-through

Altrius Global Dividend ETF ETF · EA Series Trust

64 holdings · as of 2026-07-31 (2.4 months ago)

NON-COMPLIANT 55.93% of portfolio weight is in non-compliant holdings, over the 5% threshold.

64 holdings, 62 matched (99% of weight). Portfolio as of 2026-07-31, filed 2026-09-28. Source: SEC Form N-PORT.

2.33% of this portfolio’s income is non-permissible — weighted across holdings, computed over 87% of portfolio weight (55 of 64 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.

42.4% compliant 0.0% questionable 55.9% non-compliant 1.5% unscreened

All holdings (64)
HoldingStatusWeightEvery methodology, and the debt ratio behind it
CAP.PA Capgemini SE NON_COMPLIANT 2.56% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicpass MSCI Islamic M-Seriesfail FTSE Shariahpass
BBVA.MC Banco Bilbao Vizcaya Argentaria SA NON_COMPLIANT 2.33% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
PUB.PA Publicis Groupe SA COMPLIANT 2.28% AAOIFIpass Usmanipass Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
BA.L BAE Systems PLC NON_COMPLIANT 2.28% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
SIEMENS.NS Siemens AG COMPLIANT 2.26% AAOIFIpass Usmanifail Dow Jones Islamicpass S&P Shariahpass MSCI Islamicfail MSCI Islamic M-Seriespass FTSE Shariahfail
BNP.PA BNP Paribas SA NON_COMPLIANT 2.25% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
7203.T Toyota Motor Corp NON_COMPLIANT 2.25% AAOIFI117.9% Usmani41.6% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic40.9% MSCI Islamic M-Seriesfail FTSE Shariah40.9%
RKT.L Reckitt Benckiser Group PLC COMPLIANT 2.24% AAOIFIpass Usmanifail Dow Jones Islamicpass S&P Shariahpass MSCI Islamicfail MSCI Islamic M-Seriespass FTSE Shariahfail
DG.PA Vinci SA NON_COMPLIANT 2.22% AAOIFIfail Usmanipass Dow Jones Islamicfail S&P Shariahfail MSCI Islamicpass MSCI Islamic M-Seriesfail FTSE Shariahpass
MUV2.DE Muenchener Rueckversicherungs-Gesellschaft AG in Muenchen NON_COMPLIANT 2.19% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
DHL.DE Deutsche Post AG NON_COMPLIANT 2.19% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
NESN.SW Nestle SA COMPLIANT 2.17% AAOIFIpass Usmanifail Dow Jones Islamicpass S&P Shariahpass MSCI Islamicfail MSCI Islamic M-Seriespass FTSE Shariahfail
BP.L BP PLC NON_COMPLIANT 2.15% AAOIFIfail Usmanipass Dow Jones Islamicfail S&P Shariahfail MSCI Islamicpass MSCI Islamic M-Seriesfail FTSE Shariahpass
RO.SW Roche Holding AG COMPLIANT 2.14% AAOIFIpass Usmanifail Dow Jones Islamicpass S&P Shariahpass MSCI Islamicpass MSCI Islamic M-Seriespass FTSE Shariahpass
GSK GSK PLC COMPLIANT 2.14% AAOIFI19.2% Usmani23.6% Dow Jones Islamic10.6% S&P Shariah11.2% MSCI Islamic23.6% MSCI Islamic M-Series11.2% FTSE Shariah23.6%
CS.PA AXA SA NON_COMPLIANT 2.14% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
BATS.L British American Tobacco PLC NON_COMPLIANT 2.14% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
TTE.PA TotalEnergies SE NON_COMPLIANT 2.13% AAOIFIfail Usmanipass Dow Jones Islamicfail S&P Shariahfail MSCI Islamicpass MSCI Islamic M-Seriesfail FTSE Shariahpass
RY Royal Bank of Canada COMPLIANT 2.12% AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0%
ABEV3.SA Ambev SA NON_COMPLIANT 2.11% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
AZN AstraZeneca PLC COMPLIANT 2.11% AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah—
NVS Novartis AG COMPLIANT 2.11% AAOIFI12.5% Usmani25.9% Dow Jones Islamic11.8% S&P Shariah12.6% MSCI Islamic25.9% MSCI Islamic M-Series12.6% FTSE Shariah25.9%
SNY Sanofi SA COMPLIANT 2.09% AAOIFI20.8% Usmani14.7% Dow Jones Islamic38.1% S&P Shariah38.6% MSCI Islamic14.7% MSCI Islamic M-Series38.6% FTSE Shariah14.7%
LYB LyondellBasell Industries NV NON_COMPLIANT 2.09% AAOIFI62.2% Usmani37.0% Dow Jones Islamic65.8% S&P Shariah58.8% MSCI Islamic37.0% MSCI Islamic M-Series58.8% FTSE Shariah33.2%
NXPI NXP Semiconductors NV COMPLIANT 1.77% AAOIFI22.1% Usmani46.1% Dow Jones Islamic22.1% S&P Shariah22.0% MSCI Islamic46.1% MSCI Islamic M-Series22.0% FTSE Shariah45.1%
KO Coca-Cola Co/The COMPLIANT 1.26% AAOIFI11.9% Usmani43.4% Dow Jones Islamic14.9% S&P Shariah15.9% MSCI Islamic43.4% MSCI Islamic M-Series15.9% FTSE Shariah41.8%
MRSH Marsh & McLennan Cos Inc NON_COMPLIANT 1.26% AAOIFI24.1% Usmani35.8% Dow Jones Islamic22.1% S&P Shariah22.2% MSCI Islamic35.8% MSCI Islamic M-Series22.2% FTSE Shariah32.7%
PAYX Paychex Inc COMPLIANT 1.25% AAOIFI13.2% Usmani29.6% Dow Jones Islamic10.7% S&P Shariah11.0% MSCI Islamic29.6% MSCI Islamic M-Series11.0% FTSE Shariah29.1%
BEN Franklin Resources Inc NON_COMPLIANT 1.24% AAOIFI14.1% Usmani6.6% Dow Jones Islamic19.8% S&P Shariah20.3% MSCI Islamic6.6% MSCI Islamic M-Series20.3% FTSE Shariah6.6%
VZ Verizon Communications Inc NON_COMPLIANT 1.24% AAOIFI98.4% Usmani45.9% Dow Jones Islamic109.0% S&P Shariah116.8% MSCI Islamic45.9% MSCI Islamic M-Series116.8% FTSE Shariah40.3%
ABT Abbott Laboratories COMPLIANT 1.23% AAOIFI19.2% Usmani31.9% Dow Jones Islamic17.6% S&P Shariah18.3% MSCI Islamic31.9% MSCI Islamic M-Series18.3% FTSE Shariah30.8%
CME CME Group Inc NON_COMPLIANT 1.23% AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah—
MDT Medtronic PLC COMPLIANT 1.22% AAOIFI24.4% Usmani31.5% Dow Jones Islamic26.4% S&P Shariah27.4% MSCI Islamic31.4% MSCI Islamic M-Series27.4% FTSE Shariah30.2%
EMN Eastman Chemical Co NON_COMPLIANT 1.21% AAOIFI64.1% Usmani33.8% Dow Jones Islamic60.0% S&P Shariah58.0% MSCI Islamic33.8% MSCI Islamic M-Series58.0% FTSE Shariah33.8%
LMT Lockheed Martin Corp NON_COMPLIANT 1.21% AAOIFI16.6% Usmani32.9% Dow Jones Islamic17.6% S&P Shariah18.2% MSCI Islamic32.9% MSCI Islamic M-Series18.2% FTSE Shariah32.9%
SBUX Starbucks Corp COMPLIANT 1.21% AAOIFI19.3% Usmani79.3% Dow Jones Islamic21.4% S&P Shariah22.1% MSCI Islamic79.3% MSCI Islamic M-Series22.1% FTSE Shariah46.9%
PEP PepsiCo Inc COMPLIANT 1.21% AAOIFI23.4% Usmani39.4% Dow Jones Islamic22.7% S&P Shariah22.0% MSCI Islamic39.4% MSCI Islamic M-Series22.0% FTSE Shariah39.4%
TSN Tyson Foods Inc NON_COMPLIANT 1.21% AAOIFI45.2% Usmani22.5% Dow Jones Islamic40.2% S&P Shariah41.7% MSCI Islamic22.5% MSCI Islamic M-Series41.7% FTSE Shariah22.5%
BXP BXP Inc NON_COMPLIANT 1.21% AAOIFI8.5% Usmani3.9% Dow Jones Islamic9.4% S&P Shariah9.9% MSCI Islamic3.9% MSCI Islamic M-Series9.9% FTSE Shariah3.9%
BAC Bank of America Corp NON_COMPLIANT 1.20% AAOIFI77.5% Usmani9.7% Dow Jones Islamic95.9% S&P Shariah105.7% MSCI Islamic9.7% MSCI Islamic M-Series105.7% FTSE Shariah9.7%
KHC Kraft Heinz Co/The NON_COMPLIANT 1.19% AAOIFI64.5% Usmani26.0% Dow Jones Islamic63.2% S&P Shariah58.9% MSCI Islamic26.0% MSCI Islamic M-Series58.9% FTSE Shariah26.0%
JPM JPMORGAN CHASE & CO. NON_COMPLIANT 1.19% AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4%
GILD Gilead Sciences Inc COMPLIANT 1.18% AAOIFI14.4% Usmani53.2% Dow Jones Islamic18.6% S&P Shariah21.4% MSCI Islamic53.2% MSCI Islamic M-Series21.4% FTSE Shariah53.2%
C Citigroup Inc NON_COMPLIANT 1.18% AAOIFI159.2% Usmani13.8% Dow Jones Islamic214.6% S&P Shariah251.0% MSCI Islamic13.8% MSCI Islamic M-Series251.0% FTSE Shariah13.8%
STZ Constellation Brands Inc NON_COMPLIANT 1.18% AAOIFI49.1% Usmani49.0% Dow Jones Islamic38.2% S&P Shariah33.6% MSCI Islamic49.0% MSCI Islamic M-Series33.6% FTSE Shariah46.1%
PSX Phillips 66 NON_COMPLIANT 1.17% AAOIFI20.2% Usmani25.1% Dow Jones Islamic36.5% S&P Shariah37.1% MSCI Islamic25.1% MSCI Islamic M-Series37.1% FTSE Shariah25.1%
APD Air Products and Chemicals Inc COMPLIANT 1.17% AAOIFI0.9% Usmani1.5% Dow Jones Islamic1.0% S&P Shariah1.0% MSCI Islamic1.5% MSCI Islamic M-Series1.0% FTSE Shariah0.3%
STT State Street Corp NON_COMPLIANT 1.17% AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0%
GNTX Gentex Corp COMPLIANT 1.17% AAOIFI0.2% Usmani0.4% Dow Jones Islamic0.2% S&P Shariah0.2% MSCI Islamic0.4% MSCI Islamic M-Series0.2% FTSE Shariah0.1%
MRK Merck & Co Inc COMPLIANT 1.17% AAOIFI14.7% Usmani41.5% Dow Jones Islamic21.8% S&P Shariah20.9% MSCI Islamic41.5% MSCI Islamic M-Series20.9% FTSE Shariah41.5%
PFE Pfizer Inc NON_COMPLIANT 1.17% AAOIFI39.8% Usmani31.4% Dow Jones Islamic46.1% S&P Shariah45.9% MSCI Islamic31.4% MSCI Islamic M-Series45.9% FTSE Shariah31.4%
CVX Chevron Corp COMPLIANT 1.17% AAOIFI0.1% Usmani0.1% Dow Jones Islamic0.1% S&P Shariah0.1% MSCI Islamic0.1% MSCI Islamic M-Series0.1% FTSE Shariah0.1%
Huntington Bancshares Inc/OH UNSCREENED 1.16% no in-house ratios for this holding
JNJ Johnson & Johnson COMPLIANT 1.16% AAOIFI7.6% Usmani24.4% Dow Jones Islamic10.9% S&P Shariah11.7% MSCI Islamic24.4% MSCI Islamic M-Series11.7% FTSE Shariah24.4%
PG Procter & Gamble Co/The COMPLIANT 1.16% AAOIFI8.9% Usmani23.9% Dow Jones Islamic8.5% S&P Shariah8.5% MSCI Islamic23.9% MSCI Islamic M-Series8.5% FTSE Shariah23.2%
UNH UnitedHealth Group Inc NON_COMPLIANT 1.16% AAOIFI20.4% Usmani23.7% Dow Jones Islamic20.4% S&P Shariah18.8% MSCI Islamic23.7% MSCI Islamic M-Series18.8% FTSE Shariah23.7%
PM Philip Morris International Inc NON_COMPLIANT 1.16% AAOIFI16.1% Usmani66.9% Dow Jones Islamic18.9% S&P Shariah22.1% MSCI Islamic66.9% MSCI Islamic M-Series22.1% FTSE Shariah66.9%
XOM ExxonMobil Holdings Corp COMPLIANT 1.15% AAOIFI6.5% Usmani9.1% Dow Jones Islamic8.5% S&P Shariah9.0% MSCI Islamic9.1% MSCI Islamic M-Series9.0% FTSE Shariah9.1%
MSM MSC Industrial Direct Co Inc COMPLIANT 1.15% AAOIFI8.2% Usmani22.3% Dow Jones Islamic11.4% S&P Shariah11.5% MSCI Islamic22.3% MSCI Islamic M-Series11.5% FTSE Shariah20.3%
ABBV AbbVie Inc COMPLIANT 1.14% AAOIFIpass Usmanifail Dow Jones Islamicpass S&P Shariahpass MSCI Islamicfail MSCI Islamic M-Seriespass FTSE Shariahfail
DOW Dow Inc NON_COMPLIANT 1.14% AAOIFI91.5% Usmani32.7% Dow Jones Islamic88.2% S&P Shariah76.2% MSCI Islamic32.7% MSCI Islamic M-Series76.2% FTSE Shariah30.2%
MO Altria Group Inc NON_COMPLIANT 1.11% AAOIFI21.4% Usmani73.6% Dow Jones Islamic25.3% S&P Shariah28.5% MSCI Islamic73.6% MSCI Islamic M-Series28.5% FTSE Shariah73.6%
UPS United Parcel Service Inc NON_COMPLIANT 1.07% AAOIFI32.8% Usmani40.2% Dow Jones Islamic40.1% S&P Shariah37.0% MSCI Islamic40.2% MSCI Islamic M-Series37.0% FTSE Shariah34.4%
First American Government Obligations Fund UNSCREENED 0.31% no in-house ratios for this holding

The published standards disagree about this fund by 13 points of portfolio weight — 47.5% of it passes AAOIFI, 34.0% passes Usmani. 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 47.5% ratios fail on 45.2% 7.2% not rated under AAOIFI

62 of 64 listed holdings carry our own per-methodology verdicts (98% of weight). The rest hold a provider verdict with no methodology breakdown, and are counted as rated by none. Of those, 42 (56% of weight) also carry the underlying debt ratio; the rest show a verdict without the figure behind it.

Non-compliant holdingWeight
CAP.PA Capgemini SE 2.56%
BBVA.MC Banco Bilbao Vizcaya Argentaria SA 2.33%
BA.L BAE Systems PLC 2.28%
BNP.PA BNP Paribas SA 2.25%
7203.T Toyota Motor Corp 2.25%
DG.PA Vinci SA 2.22%
MUV2.DE Muenchener Rueckversicherungs-Gesellschaft AG in Muenchen 2.19%
DHL.DE Deutsche Post AG 2.19%
BP.L BP PLC 2.15%
CS.PA AXA SA 2.14%

Methodology breakdown computing — it will appear here on its own.

🕌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.

Why this signal?

The factors behind the read, each shown with the figure it rests on, including the ones pointing the other way.

Structure2 of 3 timeframes bullish · 76.9% aligned
VWAPPrice holding above VWAP ($42.76)
VolumeRelative volume 8.8× the 20-day average
Momentum10-day rate of change -1.3%

Altrius Global Dividend ETF (DIVD) 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.

Market & analysts
Momentum (10d)
-1.3%
rate of change
SMC grade
C · 52
76.9% aligned
C · 52
SMC grade — 76.9% timeframe alignment
-1.3%
Rate of change (10d)

🕌 In-house Compliance Research

Computing the full ratio and business-activity breakdown for DIVD — this runs off the critical path so the page paints first. It will appear here on its own.

45.5843.0340.4737.9135.352025-10-132026-04-142026-10-09

Pinch or scroll to zoom · drag to pan — both axes move · double-click to reset

Support & Resistance
S3
42.15
S2
42.31
S1
42.60
PIVOT
42.76
R1
43.05
R2
43.21
R3
43.50

Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.

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
43.67 – 45.13
±1.64% from 44.40, made 2026-09-16 · resolves 2026-09-23
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.

STRONG SELL
19 indicators
OscillatorsSTRONG SELL
0 buy · 4 neutral · 3 sell
Moving averagesSTRONG SELL
4 buy · 0 neutral · 8 sell
Every indicator, and what it reads
IndicatorValueSignal
RSI (14)42.10NEUTRAL
Stochastic %K (14)45.60NEUTRAL
CCI (20)-39.13NEUTRAL
Williams %R (14)-54.40NEUTRAL
MACD (12,26,9)-0.00SELL
ROC (10)-1.15SELL
Momentum (10)-0.50SELL
EMA (10)42.90BUY
SMA (10)42.76BUY
EMA (20)43.24SELL
SMA (20)43.31SELL
EMA (30)43.49SELL
SMA (30)43.74SELL
EMA (50)43.65SELL
SMA (50)44.22SELL
EMA (100)43.23SELL
SMA (100)43.51SELL
EMA (200)41.66BUY
SMA (200)42.01BUY

About Altrius Global Dividend ETF

To pursue its objective, the fund will invest at least 90% of its net assets, plus the amount of any borrowings for investment purposes, in dividend-paying equity securities. The principal type of equity security in which the fund will invest is common stock. Under normal market conditions, at least 30% of the fund’s assets will be invested outside the United States.

Background via Yahoo Finance — informational, not part of the verdict.

Grade verdict

Average — needs more confirmation before sizing up

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.

TimeframeBiasBars
📅 Daily BEARISH 41
⏱ 15-Min BULLISH 45
⏲ 5-Min BULLISH 135

Momentum & Volume

Rate of change and relative volume against this symbol's own recent history. Momentum describes what price has done; it is not a claim about what it will do.

-1.3%
Rate of change (10d)
8.8×
Volume vs its 20-day average
-0.57
MACD (BULLISH)

Peer Movement

How the rest of the sector moved over the same window. Context for a price move, never a cause of one.

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

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.

Insider Activity (90d)

Insider transactions reported in the last ninety days. Insiders sell for reasons that have nothing to do with a view, so a sale on its own is not a signal.

NO DATA   0 buys · 0 sells

COT Positioning — E-MINI S&P 500 - CHICAGO MERCANTILE EXCHANGE

The weekly CFTC Commitments of Traders report for the broad market it tracks, not for this symbol. Positioning context for the tape — it says nothing about this company.

NEUTRAL   report date 2026-10-06 · Asset managers net 906615 (+2612)

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.