Verdicts genuinely change. Free email alert the moment DSEFX's does — no target price to set, unlike "Alert" above.
Whether this fund clears the published standards, and the filings behind that answer. The screen runs first and nothing on the trading side can override it.
Structure, momentum, positioning and levels. Separate from the Sharia verdict above, which this side never overrides.
Domini Impact Equity Fund · Domini Investment Trust
157 holdings
NON-COMPLIANT 19.99% of portfolio weight is in non-compliant holdings, over the 5% threshold.
157 holdings, 147 matched (95% of weight). Portfolio as of 2026-07-31, filed 2026-09-25. Source: SEC Form N-PORT.
1.17% of this portfolio’s income is non-permissible — weighted across holdings, computed over 85% of portfolio weight (125 of 157 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.
58.1% compliant 16.5% questionable 20.0% non-compliant 5.4% unscreened
| Holding | Status | Weight | Every methodology, and the debt ratio behind it |
|---|---|---|---|
| NVDA NVIDIA CORP | COMPLIANT | 7.36% | AAOIFI1.1% Usmani12.1% Dow Jones Islamic0.9% S&P Shariah1.1% MSCI Islamic12.1% MSCI Islamic M-Series1.1% FTSE Shariah10.4% |
| AAPL APPLE INC | COMPLIANT | 7.05% | AAOIFI2.1% Usmani21.5% Dow Jones Islamic2.2% S&P Shariah2.4% MSCI Islamic21.5% MSCI Islamic M-Series2.4% FTSE Shariah21.5% |
| GOOG ALPHABET INC | QUESTIONABLE | 5.64% | AAOIFI2.9% Usmani13.1% Dow Jones Islamic3.9% S&P Shariah4.5% MSCI Islamic12.8% MSCI Islamic M-Series4.5% FTSE Shariah10.9% |
| MSFT MICROSOFT CORP | QUESTIONABLE | 5.42% | AAOIFI1.5% Usmani7.5% Dow Jones Islamic1.7% S&P Shariah1.8% MSCI Islamic7.5% MSCI Islamic M-Series1.8% FTSE Shariah5.3% |
| AMZN AMAZON.COM INC | QUESTIONABLE | 4.07% | AAOIFI8.2% Usmani22.1% Dow Jones Islamic9.6% S&P Shariah10.6% MSCI Islamic20.9% MSCI Islamic M-Series10.6% FTSE Shariah12.1% |
| AVGO BROADCOM INC | COMPLIANT | 3.80% | AAOIFI3.8% Usmani32.5% Dow Jones Islamic4.4% S&P Shariah5.5% MSCI Islamic32.5% MSCI Islamic M-Series5.5% FTSE Shariah32.5% |
| MU MICRON TECHNOLOGY INC | COMPLIANT | 2.51% | AAOIFI0.6% Usmani6.7% Dow Jones Islamic1.8% S&P Shariah2.4% MSCI Islamic4.8% MSCI Islamic M-Series2.4% FTSE Shariah4.3% |
| LLY ELI LILLY & COMPANY | COMPLIANT | 2.26% | AAOIFI5.2% Usmani38.6% Dow Jones Islamic6.4% S&P Shariah6.9% MSCI Islamic38.6% MSCI Islamic M-Series6.9% FTSE Shariah38.6% |
| V VISA INC | COMPLIANT | 2.08% | AAOIFI3.5% Usmani25.2% Dow Jones Islamic15.5% S&P Shariah16.7% MSCI Islamic25.2% MSCI Islamic M-Series16.7% FTSE Shariah25.2% |
| MA MASTERCARD INC | COMPLIANT | 1.86% | AAOIFI4.9% Usmani42.7% Dow Jones Islamic37.5% S&P Shariah40.1% MSCI Islamic42.7% MSCI Islamic M-Series40.1% FTSE Shariah42.7% |
| JP MORGAN CHASE & COMPANY | UNSCREENED | 1.53% | no in-house ratios for this holding |
| LIN LINDE PLC | COMPLIANT | 1.28% | AAOIFI13.0% Usmani31.7% Dow Jones Islamic13.0% S&P Shariah13.4% MSCI Islamic31.7% MSCI Islamic M-Series13.4% FTSE Shariah31.7% |
| AMD ADVANCED MICRO DEVICES INC | COMPLIANT | 1.19% | AAOIFI0.5% Usmani5.1% Dow Jones Islamic1.2% S&P Shariah1.3% MSCI Islamic5.1% MSCI Islamic M-Series1.3% FTSE Shariah3.8% |
| CSCO CISCO SYSTEMS INC | COMPLIANT | 1.14% | AAOIFI5.7% Usmani18.9% Dow Jones Islamic8.4% S&P Shariah9.5% MSCI Islamic18.9% MSCI Islamic M-Series9.5% FTSE Shariah17.6% |
| RPRX ROYALTY PHARMA PLC | NON_COMPLIANT | 1.12% | AAOIFI24.4% Usmani45.2% Dow Jones Islamic60.3% S&P Shariah67.3% MSCI Islamic45.2% MSCI Islamic M-Series67.3% FTSE Shariah45.2% |
| ABBV ABBVIE INC | COMPLIANT | 1.12% | AAOIFIpass Usmanifail Dow Jones Islamicpass S&P Shariahpass MSCI Islamicfail MSCI Islamic M-Seriespass FTSE Shariahfail |
| TSLA TESLA INC | COMPLIANT | 1.11% | AAOIFI1.1% Usmani10.8% Dow Jones Islamic1.3% S&P Shariah1.5% MSCI Islamic10.6% MSCI Islamic M-Series1.5% FTSE Shariah6.1% |
| KO COCA-COLA COMPANY (THE) | COMPLIANT | 1.10% | AAOIFI11.9% Usmani43.4% Dow Jones Islamic14.9% S&P Shariah15.9% MSCI Islamic43.4% MSCI Islamic M-Series15.9% FTSE Shariah41.8% |
| SCHW CHARLES SCHWAB CORP (THE) | NON_COMPLIANT | 1.09% | AAOIFI14.6% Usmani5.3% Dow Jones Islamic18.7% S&P Shariah22.0% MSCI Islamic5.3% MSCI Islamic M-Series22.0% FTSE Shariah5.3% |
| ADI ANALOG DEVICES INC | COMPLIANT | 1.08% | AAOIFI4.6% Usmani16.8% Dow Jones Islamic6.1% S&P Shariah6.8% MSCI Islamic16.8% MSCI Islamic M-Series6.8% FTSE Shariah16.8% |
| NNN REIT INC | UNSCREENED | 1.06% | no in-house ratios for this holding |
| OHI OMEGA HEALTHCARE INVESTORS INC | NON_COMPLIANT | 1.06% | AAOIFI30.5% Usmani42.9% Dow Jones Islamic37.6% S&P Shariah43.5% MSCI Islamic42.9% MSCI Islamic M-Series43.5% FTSE Shariah42.9% |
| CAT CATERPILLAR INC | COMPLIANT | 1.02% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| FTS.TO FORTIS INC | NON_COMPLIANT | 1.01% | AAOIFI90.7% Usmani45.8% Dow Jones Islamic73.3% S&P Shariah80.9% MSCI Islamic45.3% MSCI Islamic M-Series80.9% FTSE Shariah45.3% |
| AGNC INVESTMENT CORP | UNSCREENED | 0.98% | no in-house ratios for this holding |
| WPC W.P. CAREY INC | NON_COMPLIANT | 0.98% | AAOIFI52.5% Usmani47.5% Dow Jones Islamic64.6% S&P Shariah69.0% MSCI Islamic47.5% MSCI Islamic M-Series69.0% FTSE Shariah47.5% |
| SNDK SANDISK CORP | COMPLIANT | 0.97% | AAOIFI0.1% Usmani0.9% Dow Jones Islamicpass S&P Shariahpass MSCI Islamic0.9% MSCI Islamic M-Seriespass FTSE Shariah0.0% |
| GIL.TO GILDAN ACTIVEWEAR INC | NON_COMPLIANT | 0.96% | AAOIFI43.5% Usmani41.2% Dow Jones Islamic35.1% S&P Shariah39.9% MSCI Islamic41.2% MSCI Islamic M-Series39.9% FTSE Shariah41.2% |
| ANET ARISTA NETWORKS INC | COMPLIANT | 0.93% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| VZ VERIZON COMMUNICATIONS INC | NON_COMPLIANT | 0.87% | AAOIFI98.4% Usmani45.9% Dow Jones Islamic109.0% S&P Shariah116.8% MSCI Islamic45.9% MSCI Islamic M-Series116.8% FTSE Shariah40.3% |
| TXN TEXAS INSTRUMENTS INC | COMPLIANT | 0.83% | AAOIFI5.9% Usmani39.2% Dow Jones Islamic7.6% S&P Shariah8.1% MSCI Islamic39.2% MSCI Islamic M-Series8.1% FTSE Shariah39.2% |
| RGLD ROYAL GOLD INC | COMPLIANT | 0.80% | AAOIFI1.8% Usmani4.2% Dow Jones Islamic2.7% S&P Shariah3.3% MSCI Islamic4.2% MSCI Islamic M-Series3.3% FTSE Shariah4.2% |
| PG PROCTER & GAMBLE COMPANY (THE) | COMPLIANT | 0.79% | AAOIFI8.9% Usmani23.9% Dow Jones Islamic8.5% S&P Shariah8.5% MSCI Islamic23.9% MSCI Islamic M-Series8.5% FTSE Shariah23.2% |
| NFLX NETFLIX INC | QUESTIONABLE | 0.76% | AAOIFI5.2% Usmani28.5% Dow Jones Islamic4.1% S&P Shariah4.7% MSCI Islamic28.5% MSCI Islamic M-Series4.7% FTSE Shariah24.5% |
| CME CME GROUP INC | NON_COMPLIANT | 0.75% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| ADBE ADOBE INC | COMPLIANT | 0.75% | AAOIFI4.5% Usmani22.6% Dow Jones Islamic4.6% S&P Shariah3.8% MSCI Islamic22.6% MSCI Islamic M-Series3.8% FTSE Shariah21.2% |
| HALO HALOZYME THERAPEUTICS INC | COMPLIANT | 0.69% | AAOIFI17.2% Usmani83.3% Dow Jones Islamic27.4% S&P Shariah30.4% MSCI Islamic83.3% MSCI Islamic M-Series30.4% FTSE Shariah83.3% |
| ICE INTERCONTINENTAL EXCHANGE INC | NON_COMPLIANT | 0.68% | AAOIFI23.2% Usmani11.8% Dow Jones Islamic22.5% S&P Shariah24.2% MSCI Islamic11.8% MSCI Islamic M-Series24.2% FTSE Shariah11.4% |
| BKNG BOOKING HOLDINGS INC | COMPLIANT | 0.65% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| COMMERCE BANCSHARES INC (MO) | UNSCREENED | 0.65% | no in-house ratios for this holding |
| BAC BANK OF AMERICA CORP | NON_COMPLIANT | 0.65% | AAOIFI77.5% Usmani9.7% Dow Jones Islamic95.9% S&P Shariah105.7% MSCI Islamic9.7% MSCI Islamic M-Series105.7% FTSE Shariah9.7% |
| PANW PALO ALTO NETWORKS INC | COMPLIANT | 0.58% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| WDC WESTERN DIGITAL CORP | COMPLIANT | 0.58% | AAOIFI0.7% Usmani8.6% Dow Jones Islamic1.8% S&P Shariah2.3% MSCI Islamic8.6% MSCI Islamic M-Series2.3% FTSE Shariah7.6% |
| SPG SIMON PROPERTY GROUP INC | NON_COMPLIANT | 0.56% | AAOIFI42.4% Usmani72.3% Dow Jones Islamic57.5% S&P Shariah63.8% MSCI Islamic72.3% MSCI Islamic M-Series63.8% FTSE Shariah72.3% |
| NBIX NEUROCRINE BIOSCIENCES INC | COMPLIANT | 0.49% | AAOIFI2.9% Usmani8.6% Dow Jones Islamic3.4% S&P Shariah3.5% MSCI Islamic8.6% MSCI Islamic M-Series3.5% FTSE Shariah0.0% |
| PLD PROLOGIS INC | COMPLIANT | 0.49% | AAOIFI25.8% Usmani35.3% Dow Jones Islamic31.2% S&P Shariah32.1% MSCI Islamic35.3% MSCI Islamic M-Series32.1% FTSE Shariah35.3% |
| HWM HOWMET AEROSPACE INC | NON_COMPLIANT | 0.48% | AAOIFI5.1% Usmani35.2% Dow Jones Islamic6.2% S&P Shariah7.9% MSCI Islamic35.2% MSCI Islamic M-Series7.9% FTSE Shariah34.0% |
| LRCX LAM RESEARCH CORP | COMPLIANT | 0.48% | AAOIFI1.0% Usmani17.5% Dow Jones Islamic2.1% S&P Shariah2.4% MSCI Islamic17.5% MSCI Islamic M-Series2.4% FTSE Shariah15.8% |
| APP APPLOVIN CORP | COMPLIANT | 0.48% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| BTO.TO B2GOLD CORP | COMPLIANT | 0.48% | AAOIFIpass Usmanipass Dow Jones Islamicpass S&P Shariahpass MSCI Islamicpass MSCI Islamic M-Seriespass FTSE Shariahpass |
| CRM SALESFORCE INC | COMPLIANT | 0.47% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| T AT&T INC | NON_COMPLIANT | 0.45% | AAOIFI92.9% Usmani38.0% Dow Jones Islamic94.4% S&P Shariah107.8% MSCI Islamic38.0% MSCI Islamic M-Series107.8% FTSE Shariah33.6% |
| IBM INTERNATIONAL BUSINESS MACHINES CORP | COMPLIANT | 0.44% | AAOIFI29.5% Usmani42.9% Dow Jones Islamic28.2% S&P Shariah32.2% MSCI Islamic42.9% MSCI Islamic M-Series32.2% FTSE Shariah40.8% |
| AMT AMERICAN TOWER CORP | NON_COMPLIANT | 0.44% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| ABT ABBOTT LABORATORIES | COMPLIANT | 0.43% | AAOIFI19.2% Usmani31.9% Dow Jones Islamic17.6% S&P Shariah18.3% MSCI Islamic31.9% MSCI Islamic M-Series18.3% FTSE Shariah30.8% |
| BLK BLACKROCK INC | NON_COMPLIANT | 0.42% | AAOIFI7.0% Usmani7.2% Dow Jones Islamic8.1% S&P Shariah8.9% MSCI Islamic7.2% MSCI Islamic M-Series8.9% FTSE Shariah7.2% |
| HASI HA SUSTAINABLE INFRASTRUCTURE CAPITAL INC | NON_COMPLIANT | 0.42% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| DE DEERE & COMPANY | NON_COMPLIANT | 0.41% | AAOIFI9.1% Usmani15.9% Dow Jones Islamic12.7% S&P Shariah13.8% MSCI Islamic15.9% MSCI Islamic M-Series13.8% FTSE Shariah15.9% |
| FITB FIFTH THIRD BANCORP | NON_COMPLIANT | 0.40% | AAOIFI45.0% Usmani7.4% Dow Jones Islamic67.1% S&P Shariah76.4% MSCI Islamic7.4% MSCI Islamic M-Series76.4% FTSE Shariah7.4% |
| GILD GILEAD SCIENCES INC | COMPLIANT | 0.39% | AAOIFI14.4% Usmani53.2% Dow Jones Islamic18.6% S&P Shariah21.4% MSCI Islamic53.2% MSCI Islamic M-Series21.4% FTSE Shariah53.2% |
| VRT VERTIV HOLDINGS COMPANY | COMPLIANT | 0.38% | AAOIFI3.2% Usmani19.0% Dow Jones Islamic4.5% S&P Shariah5.7% MSCI Islamic19.0% MSCI Islamic M-Series5.7% FTSE Shariah18.5% |
| COST COSTCO WHOLESALE CORP | QUESTIONABLE | 0.38% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| ISRG INTUITIVE SURGICAL INC | COMPLIANT | 0.38% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| ORCL ORACLE CORP | NON_COMPLIANT | 0.38% | AAOIFI34.1% Usmani64.0% Dow Jones Islamic30.7% S&P Shariah35.2% MSCI Islamic61.0% MSCI Islamic M-Series35.2% FTSE Shariah49.5% |
| PEP PEPSICO INC | COMPLIANT | 0.37% | AAOIFI23.4% Usmani39.4% Dow Jones Islamic22.7% S&P Shariah22.0% MSCI Islamic39.4% MSCI Islamic M-Series22.0% FTSE Shariah39.4% |
| CHUBB LTD (SWITZERLAND) | UNSCREENED | 0.35% | no in-house ratios for this holding |
| SPGI S&P GLOBAL INC | COMPLIANT | 0.35% | AAOIFI10.6% Usmani22.9% Dow Jones Islamic9.4% S&P Shariah9.8% MSCI Islamic22.9% MSCI Islamic M-Series9.8% FTSE Shariah21.9% |
| VRTX VERTEX PHARMACEUTICALS INC | COMPLIANT | 0.34% | AAOIFI1.6% Usmani7.2% Dow Jones Islamic1.7% S&P Shariah1.7% MSCI Islamic7.2% MSCI Islamic M-Series1.7% FTSE Shariah0.0% |
| KDP KEURIG DR PEPPER INC | NON_COMPLIANT | 0.33% | AAOIFI58.6% Usmani30.8% Dow Jones Islamic63.3% S&P Shariah63.1% MSCI Islamic29.6% MSCI Islamic M-Series63.1% FTSE Shariah28.3% |
| YUM! BRANDS INC | UNSCREENED | 0.33% | no in-house ratios for this holding |
| MSCI MSCI INC | COMPLIANT | 0.33% | AAOIFI15.7% Usmani116.8% Dow Jones Islamic15.3% S&P Shariah15.6% MSCI Islamic116.8% MSCI Islamic M-Series15.6% FTSE Shariah113.9% |
| TER TERADYNE INC | COMPLIANT | 0.33% | AAOIFI0.2% Usmani2.0% Dow Jones Islamic0.3% S&P Shariah0.4% MSCI Islamic2.0% MSCI Islamic M-Series0.4% FTSE Shariah0.0% |
| ROP ROPER TECHNOLOGIES INC | NON_COMPLIANT | 0.33% | AAOIFI28.1% Usmani32.2% Dow Jones Islamic22.5% S&P Shariah21.7% MSCI Islamic32.2% MSCI Islamic M-Series21.7% FTSE Shariah32.2% |
| SYK STRYKER CORP | COMPLIANT | 0.32% | AAOIFI14.6% Usmani32.2% Dow Jones Islamic11.3% S&P Shariah11.8% MSCI Islamic32.2% MSCI Islamic M-Series11.8% FTSE Shariah31.2% |
| SNPS SYNOPSYS INC | COMPLIANT | 0.31% | AAOIFI14.4% Usmani22.7% Dow Jones Islamic13.2% S&P Shariah13.2% MSCI Islamic22.7% MSCI Islamic M-Series13.2% FTSE Shariah21.0% |
| MRK MERCK & COMPANY INC | COMPLIANT | 0.31% | AAOIFI14.7% Usmani41.5% Dow Jones Islamic21.8% S&P Shariah20.9% MSCI Islamic41.5% MSCI Islamic M-Series20.9% FTSE Shariah41.5% |
| IBKR INTERACTIVE BROKERS GROUP INC | NON_COMPLIANT | 0.30% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| TMO THERMO FISHER SCIENTIFIC INC | COMPLIANT | 0.30% | AAOIFI20.5% Usmani40.3% Dow Jones Islamic23.4% S&P Shariah22.9% MSCI Islamic40.3% MSCI Islamic M-Series22.9% FTSE Shariah40.3% |
| PAYX PAYCHEX INC | COMPLIANT | 0.29% | AAOIFI13.2% Usmani29.6% Dow Jones Islamic10.7% S&P Shariah11.0% MSCI Islamic29.6% MSCI Islamic M-Series11.0% FTSE Shariah29.1% |
| WAT WATERS CORP | COMPLIANT | 0.29% | AAOIFI14.1% Usmani21.2% Dow Jones Islamic21.2% S&P Shariah23.3% MSCI Islamic21.2% MSCI Islamic M-Series23.3% FTSE Shariah19.7% |
| ACN ACCENTURE PLC | COMPLIANT | 0.29% | AAOIFI7.7% Usmani12.2% Dow Jones Islamic5.0% S&P Shariah4.7% MSCI Islamic12.2% MSCI Islamic M-Series4.7% FTSE Shariah7.5% |
| ALNY ALNYLAM PHARMACEUTICALS INC | COMPLIANT | 0.28% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| PWR QUANTA SERVICES INC | COMPLIANT | 0.27% | AAOIFI6.9% Usmani23.3% Dow Jones Islamic10.1% S&P Shariah12.1% MSCI Islamic23.3% MSCI Islamic M-Series12.1% FTSE Shariah21.5% |
| HBAN HUNTINGTON BANCSHARES INC | NON_COMPLIANT | 0.27% | AAOIFI68.2% Usmani8.2% Dow Jones Islamic90.2% S&P Shariah102.6% MSCI Islamic8.2% MSCI Islamic M-Series102.6% FTSE Shariah8.2% |
| PNC PNC FINANCIAL SERVICES GROUP INC (THE) | NON_COMPLIANT | 0.26% | AAOIFI87.5% Usmani13.9% Dow Jones Islamic110.0% S&P Shariah122.6% MSCI Islamic13.9% MSCI Islamic M-Series122.6% FTSE Shariah13.9% |
| FIX COMFORT SYSTEMS USA INC | COMPLIANT | 0.26% | AAOIFI0.6% Usmani4.4% Dow Jones Islamic1.2% S&P Shariah1.5% MSCI Islamic4.4% MSCI Islamic M-Series1.5% FTSE Shariah0.6% |
| CDNS CADENCE DESIGN SYSTEMS INC | COMPLIANT | 0.26% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| CBOE CBOE GLOBAL MARKETS INC | NON_COMPLIANT | 0.25% | AAOIFI4.9% Usmani14.9% Dow Jones Islamic6.2% S&P Shariah6.8% MSCI Islamic14.9% MSCI Islamic M-Series6.8% FTSE Shariah13.6% |
| EWBC EAST WEST BANCORP INC | NON_COMPLIANT | 0.25% | AAOIFI44.9% Usmani9.5% Dow Jones Islamic56.5% S&P Shariah64.1% MSCI Islamic9.5% MSCI Islamic M-Series64.1% FTSE Shariah9.5% |
| MLM MARTIN MARIETTA MATERIALS INC | COMPLIANT | 0.25% | AAOIFI17.5% Usmani29.8% Dow Jones Islamic18.4% S&P Shariah18.9% MSCI Islamic29.8% MSCI Islamic M-Series18.9% FTSE Shariah27.9% |
| TT TRANE TECHNOLOGIES PLC | COMPLIANT | 0.25% | AAOIFI4.7% Usmani19.3% Dow Jones Islamic5.0% S&P Shariah5.7% MSCI Islamic19.3% MSCI Islamic M-Series5.7% FTSE Shariah19.3% |
| RMD RESMED INC | COMPLIANT | 0.24% | AAOIFI2.6% Usmani9.2% Dow Jones Islamic2.4% S&P Shariah2.6% MSCI Islamic9.2% MSCI Islamic M-Series2.6% FTSE Shariah7.4% |
| INTU INTUIT INC | COMPLIANT | 0.24% | AAOIFI9.9% Usmani22.9% Dow Jones Islamic5.4% S&P Shariah5.3% MSCI Islamic22.9% MSCI Islamic M-Series5.3% FTSE Shariah20.8% |
| CR CRANE COMPANY | NON_COMPLIANT | 0.24% | AAOIFI9.3% Usmani27.7% Dow Jones Islamic10.7% S&P Shariah11.9% MSCI Islamic27.7% MSCI Islamic M-Series11.9% FTSE Shariah27.3% |
| HLT HILTON WORLDWIDE HOLDINGS INC | NON_COMPLIANT | 0.24% | AAOIFI20.0% Usmani82.8% Dow Jones Islamic21.8% S&P Shariah23.8% MSCI Islamic82.8% MSCI Islamic M-Series23.8% FTSE Shariah78.8% |
| RKT ROCKET COMPANIES INC | NON_COMPLIANT | 0.24% | AAOIFI27.1% Usmani17.7% Dow Jones Islamic24.8% S&P Shariah26.9% MSCI Islamic17.7% MSCI Islamic M-Series26.9% FTSE Shariah17.7% |
| MGR AFFILIATED MANAGERS GROUP INC | NON_COMPLIANT | 0.23% | AAOIFI33.2% Usmani31.9% Dow Jones Islamic526.5% S&P Shariah509.8% MSCI Islamic31.9% MSCI Islamic M-Series509.8% FTSE Shariah31.9% |
| DIS WALT DISNEY COMPANY (THE) | NON_COMPLIANT | 0.23% | AAOIFI25.4% Usmani22.5% Dow Jones Islamic24.6% S&P Shariah25.2% MSCI Islamic22.5% MSCI Islamic M-Series25.2% FTSE Shariah22.5% |
| TMUS T-MOBILE US INC | NON_COMPLIANT | 0.23% | AAOIFI18.0% Usmani17.5% Dow Jones Islamic14.6% S&P Shariah15.9% MSCI Islamic16.5% MSCI Islamic M-Series15.9% FTSE Shariah2.9% |
| MAR MARRIOTT INTERNATIONAL INC | NON_COMPLIANT | 0.23% | AAOIFI1.6% Usmani4.8% Dow Jones Islamic1.7% S&P Shariah1.8% MSCI Islamic4.8% MSCI Islamic M-Series1.8% FTSE Shariah1.7% |
| PFE PFIZER INC | NON_COMPLIANT | 0.22% | AAOIFI39.8% Usmani31.4% Dow Jones Islamic46.1% S&P Shariah45.9% MSCI Islamic31.4% MSCI Islamic M-Series45.9% FTSE Shariah31.4% |
| ITW ILLINOIS TOOL WORKS INC | COMPLIANT | 0.22% | AAOIFI12.7% Usmani58.8% Dow Jones Islamic13.1% S&P Shariah13.4% MSCI Islamic58.8% MSCI Islamic M-Series13.4% FTSE Shariah58.8% |
| VRSK VERISK ANALYTICS INC | QUESTIONABLE | 0.21% | AAOIFI18.2% Usmani101.0% Dow Jones Islamic13.7% S&P Shariah13.5% MSCI Islamic100.6% MSCI Islamic M-Series13.5% FTSE Shariah97.3% |
| ED CONSOLIDATED EDISON INC | NON_COMPLIANT | 0.21% | AAOIFI65.9% Usmani35.2% Dow Jones Islamic73.6% S&P Shariah78.5% MSCI Islamic35.2% MSCI Islamic M-Series78.5% FTSE Shariah34.5% |
| FICO FAIR ISAAC CORP | COMPLIANT | 0.21% | AAOIFI27.8% Usmani274.8% Dow Jones Islamic14.4% S&P Shariah15.5% MSCI Islamic274.8% MSCI Islamic M-Series15.5% FTSE Shariah274.0% |
| O'REILLY AUTOMOTIVE INC | UNSCREENED | 0.21% | no in-house ratios for this holding |
| AON AON PLC | NON_COMPLIANT | 0.20% | AAOIFI22.9% Usmani29.4% Dow Jones Islamic20.7% S&P Shariah21.9% MSCI Islamic29.4% MSCI Islamic M-Series21.9% FTSE Shariah28.1% |
| ECL ECOLAB INC | COMPLIANT | 0.20% | AAOIFI17.0% Usmani44.6% Dow Jones Islamic18.1% S&P Shariah19.4% MSCI Islamic44.6% MSCI Islamic M-Series19.4% FTSE Shariah44.0% |
| UTHR UNITED THERAPEUTICS CORP | NON_COMPLIANT | 0.20% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| AMAT APPLIED MATERIALS INC | COMPLIANT | 0.20% | AAOIFI1.9% Usmani16.6% Dow Jones Islamic3.4% S&P Shariah3.7% MSCI Islamic16.6% MSCI Islamic M-Series3.7% FTSE Shariah14.8% |
| US BANCORP | UNSCREENED | 0.19% | no in-house ratios for this holding |
| OMC OMNICOM GROUP INC | NON_COMPLIANT | 0.19% | AAOIFI50.5% Usmani22.5% Dow Jones Islamic63.9% S&P Shariah66.1% MSCI Islamic22.5% MSCI Islamic M-Series66.1% FTSE Shariah18.7% |
| VRSN VERISIGN INC | COMPLIANT | 0.19% | AAOIFI0.0% Usmani0.3% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.3% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| CTAS CINTAS CORP | COMPLIANT | 0.18% | AAOIFI3.4% Usmani25.8% Dow Jones Islamic3.4% S&P Shariah3.7% MSCI Islamic25.8% MSCI Islamic M-Series3.7% FTSE Shariah23.1% |
| ALL ALLSTATE CORP (THE) | NON_COMPLIANT | 0.18% | AAOIFI11.4% Usmani6.0% Dow Jones Islamic14.1% S&P Shariah15.6% MSCI Islamic6.0% MSCI Islamic M-Series15.6% FTSE Shariah6.0% |
| URI UNITED RENTALS INC | COMPLIANT | 0.18% | AAOIFI27.5% Usmani59.2% Dow Jones Islamic32.5% S&P Shariah35.6% MSCI Islamic58.1% MSCI Islamic M-Series35.6% FTSE Shariah53.3% |
| FSLR FIRST SOLAR INC | COMPLIANT | 0.18% | AAOIFI0.7% Usmani1.4% Dow Jones Islamic0.7% S&P Shariah0.7% MSCI Islamic1.2% MSCI Islamic M-Series0.7% FTSE Shariah0.3% |
| AJG ARTHUR J. GALLAGHER & COMPANY | NON_COMPLIANT | 0.17% | AAOIFI21.0% Usmani17.2% Dow Jones Islamic20.7% S&P Shariah22.4% MSCI Islamic17.2% MSCI Islamic M-Series22.4% FTSE Shariah16.6% |
| NDAQ NASDAQ INC | NON_COMPLIANT | 0.17% | AAOIFI17.2% Usmani34.1% Dow Jones Islamic19.3% S&P Shariah21.8% MSCI Islamic34.1% MSCI Islamic M-Series21.8% FTSE Shariah32.0% |
| NXT NEXTPOWER INC | COMPLIANT | 0.17% | AAOIFI0.3% Usmani0.9% Dow Jones Islamic0.4% S&P Shariah0.5% MSCI Islamic0.9% MSCI Islamic M-Series0.5% FTSE Shariah0.0% |
| FTNT FORTINET INC | COMPLIANT | 0.16% | AAOIFI0.4% Usmani4.6% Dow Jones Islamic0.7% S&P Shariah0.8% MSCI Islamic4.6% MSCI Islamic M-Series0.8% FTSE Shariah4.6% |
| AMCR AMCOR PLC | NON_COMPLIANT | 0.16% | AAOIFI71.8% Usmani41.9% Dow Jones Islamic93.4% S&P Shariah101.7% MSCI Islamic41.8% MSCI Islamic M-Series101.7% FTSE Shariah38.9% |
| ABNB AIRBNB INC | NON_COMPLIANT | 0.16% | AAOIFI2.3% Usmani8.7% Dow Jones Islamic3.1% S&P Shariah3.1% MSCI Islamic8.7% MSCI Islamic M-Series3.1% FTSE Shariah8.6% |
| BRO BROWN & BROWN INC | NON_COMPLIANT | 0.16% | AAOIFI33.8% Usmani27.0% Dow Jones Islamic29.0% S&P Shariah30.8% MSCI Islamic27.0% MSCI Islamic M-Series30.8% FTSE Shariah26.0% |
| FAST FASTENAL COMPANY | COMPLIANT | 0.15% | AAOIFI0.8% Usmani8.3% Dow Jones Islamic0.9% S&P Shariah1.0% MSCI Islamic8.3% MSCI Islamic M-Series1.0% FTSE Shariah2.3% |
| LNT ALLIANT ENERGY CORP | NON_COMPLIANT | 0.14% | AAOIFI62.6% Usmani45.2% Dow Jones Islamic67.4% S&P Shariah74.1% MSCI Islamic44.4% MSCI Islamic M-Series74.1% FTSE Shariah44.4% |
| ADSK AUTODESK INC | COMPLIANT | 0.14% | AAOIFI8.4% Usmani28.7% Dow Jones Islamic6.4% S&P Shariah6.7% MSCI Islamic28.7% MSCI Islamic M-Series6.7% FTSE Shariah26.9% |
| PSA PUBLIC STORAGE | NON_COMPLIANT | 0.14% | AAOIFI18.1% Usmani50.6% Dow Jones Islamic19.9% S&P Shariah20.7% MSCI Islamic50.6% MSCI Islamic M-Series20.7% FTSE Shariah50.6% |
| EW EDWARDS LIFESCIENCES CORP | COMPLIANT | 0.14% | AAOIFI1.4% Usmani5.1% Dow Jones Islamic1.5% S&P Shariah1.5% MSCI Islamic5.1% MSCI Islamic M-Series1.5% FTSE Shariah4.3% |
| GRMN GARMIN LTD | COMPLIANT | 0.14% | AAOIFI0.3% Usmani1.5% Dow Jones Islamic0.4% S&P Shariah0.5% MSCI Islamic1.5% MSCI Islamic M-Series0.5% FTSE Shariah0.0% |
| WAB WESTINGHOUSE AIR BRAKE TECHNOLOGIES CORP | COMPLIANT | 0.14% | AAOIFI13.3% Usmani28.4% Dow Jones Islamic17.8% S&P Shariah20.1% MSCI Islamic28.4% MSCI Islamic M-Series20.1% FTSE Shariah28.4% |
| EBAY EBAY INC | COMPLIANT | 0.14% | AAOIFI13.9% Usmani35.6% Dow Jones Islamic16.9% S&P Shariah19.4% MSCI Islamic35.6% MSCI Islamic M-Series19.4% FTSE Shariah33.4% |
| WELL WELLTOWER INC | COMPLIANT | 0.13% | AAOIFI10.6% Usmani26.7% Dow Jones Islamic15.6% S&P Shariah19.1% MSCI Islamic26.7% MSCI Islamic M-Series19.1% FTSE Shariah26.7% |
| IDXX IDEXX LABORATORIES INC | COMPLIANT | 0.12% | AAOIFI1.4% Usmani16.8% Dow Jones Islamic1.3% S&P Shariah1.3% MSCI Islamic16.8% MSCI Islamic M-Series1.3% FTSE Shariah13.1% |
| GEN GEN DIGITAL INC | NON_COMPLIANT | 0.12% | AAOIFI44.3% Usmani52.6% Dow Jones Islamic51.3% S&P Shariah54.5% MSCI Islamic52.6% MSCI Islamic M-Series54.5% FTSE Shariah52.1% |
| SMCI SUPER MICRO COMPUTER INC | NON_COMPLIANT | 0.11% | AAOIFI17.4% Usmani15.3% Dow Jones Islamic20.6% S&P Shariah17.5% MSCI Islamic15.3% MSCI Islamic M-Series17.5% FTSE Shariah13.5% |
| KEYS KEYSIGHT TECHNOLOGIES INC | COMPLIANT | 0.11% | AAOIFI4.8% Usmani23.0% Dow Jones Islamic7.5% S&P Shariah8.4% MSCI Islamic23.0% MSCI Islamic M-Series8.4% FTSE Shariah21.1% |
| ODFL OLD DOMINION FREIGHT LINE INC | COMPLIANT | 0.11% | AAOIFI0.1% Usmani0.3% Dow Jones Islamic0.1% S&P Shariah0.1% MSCI Islamic0.3% MSCI Islamic M-Series0.1% FTSE Shariah0.3% |
| TECK TECK RESOURCES LTD | COMPLIANT | 0.11% | AAOIFI11.1% Usmani8.6% Dow Jones Islamic12.4% S&P Shariah12.9% MSCI Islamic8.6% MSCI Islamic M-Series12.9% FTSE Shariah8.6% |
| MTB M&T BANK CORP | NON_COMPLIANT | 0.10% | AAOIFI52.5% Usmani8.3% Dow Jones Islamic59.6% S&P Shariah66.0% MSCI Islamic8.3% MSCI Islamic M-Series66.0% FTSE Shariah8.3% |
| TKO TKO GROUP HOLDINGS INC | NON_COMPLIANT | 0.09% | AAOIFI12.7% Usmani30.5% Dow Jones Islamic14.3% S&P Shariah17.0% MSCI Islamic28.8% MSCI Islamic M-Series17.0% FTSE Shariah28.5% |
| MPWR MONOLITHIC POWER SYSTEMS INC | COMPLIANT | 0.09% | AAOIFI0.0% Usmani0.4% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.4% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| UDR UDR INC | NON_COMPLIANT | 0.09% | AAOIFI41.8% Usmani54.8% Dow Jones Islamic45.2% S&P Shariah46.9% MSCI Islamic54.8% MSCI Islamic M-Series46.9% FTSE Shariah54.8% |
| VEEV VEEVA SYSTEMS INC | NON_COMPLIANT | 0.09% | AAOIFI0.4% Usmani1.7% Dow Jones Islamic0.4% S&P Shariah0.4% MSCI Islamic1.7% MSCI Islamic M-Series0.4% FTSE Shariah0.0% |
| ES EVERSOURCE ENERGY | NON_COMPLIANT | 0.08% | AAOIFI108.8% Usmani45.9% Dow Jones Islamic122.9% S&P Shariah132.3% MSCI Islamic45.9% MSCI Islamic M-Series132.3% FTSE Shariah45.9% |
| FRT FEDERAL REALTY INVESTMENT TRUST | NON_COMPLIANT | 0.08% | AAOIFI48.5% Usmani54.6% Dow Jones Islamic56.8% S&P Shariah59.6% MSCI Islamic54.6% MSCI Islamic M-Series59.6% FTSE Shariah54.6% |
| RF REGIONS FINANCIAL CORP | NON_COMPLIANT | 0.08% | AAOIFI29.4% Usmani4.7% Dow Jones Islamic35.1% S&P Shariah38.7% MSCI Islamic4.7% MSCI Islamic M-Series38.7% FTSE Shariah4.7% |
| CPRT COPART INC | COMPLIANT | 0.07% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| INTC INTEL CORP | COMPLIANT | 0.07% | AAOIFI9.2% Usmani25.0% Dow Jones Islamic23.9% S&P Shariah26.3% MSCI Islamic25.0% MSCI Islamic M-Series26.3% FTSE Shariah25.0% |
| HUBB HUBBELL INC | COMPLIANT | 0.07% | AAOIFI11.2% Usmani32.5% Dow Jones Islamic11.8% S&P Shariah12.7% MSCI Islamic32.5% MSCI Islamic M-Series12.7% FTSE Shariah30.6% |
| MOODY'S CORP | UNSCREENED | 0.07% | no in-house ratios for this holding |
| VLTO VERALTO CORP | COMPLIANT | 0.06% | AAOIFI12.4% Usmani37.5% Dow Jones Islamic11.8% S&P Shariah12.2% MSCI Islamic37.5% MSCI Islamic M-Series12.2% FTSE Shariah34.8% |
| PODD INSULET CORP | COMPLIANT | 0.06% | AAOIFI9.6% Usmani30.0% Dow Jones Islamic5.3% S&P Shariah5.9% MSCI Islamic30.0% MSCI Islamic M-Series5.9% FTSE Shariah30.0% |
| SNA SNAP-ON INC | NON_COMPLIANT | 0.06% | AAOIFI6.5% Usmani15.0% Dow Jones Islamic7.3% S&P Shariah7.9% MSCI Islamic14.9% MSCI Islamic M-Series7.9% FTSE Shariah13.7% |
| AMERESCO INC | UNSCREENED | 0.06% | no in-house ratios for this holding |
| MBGL MOBILITY GLOBAL INC | NON_COMPLIANT | 0.02% | AAOIFI33.1% Usmani15.4% Dow Jones Islamic— S&P Shariah— MSCI Islamic15.4% MSCI Islamic M-Series— FTSE Shariah15.2% |
| HD HOME DEPOT INC (THE) | COMPLIANT | 0.01% | AAOIFI18.6% Usmani56.1% Dow Jones Islamic16.3% S&P Shariah17.0% MSCI Islamic53.3% MSCI Islamic M-Series17.0% FTSE Shariah44.5% |
The published standards disagree about this fund by 24 points of portfolio weight — 71.7% of it passes AAOIFI, 47.4% passes MSCI 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 71.7% ratios fail on 14.3% 14.0% not rated under AAOIFI
ratios pass on 58.0% ratios fail on 24.5% 17.5% not rated under Usmani
ratios pass on 69.2% ratios fail on 16.7% 14.1% not rated under Dow Jones Islamic
ratios pass on 68.7% ratios fail on 17.3% 14.0% not rated under S&P Shariah
ratios pass on 47.4% ratios fail on 30.6% 22.0% not rated under MSCI Islamic
ratios pass on 68.6% ratios fail on 17.3% 14.1% not rated under MSCI Islamic M-Series
ratios pass on 56.4% ratios fail on 26.9% 16.7% not rated under FTSE Shariah
147 of 157 listed holdings carry our own per-methodology verdicts (95% of weight). The rest hold a provider verdict with no methodology breakdown, and are counted as rated by none. Of those, 132 (86% of weight) also carry the underlying debt ratio; the rest show a verdict without the figure behind it.
| Non-compliant holding | Weight |
|---|---|
| RPRX ROYALTY PHARMA PLC | 1.12% |
| SCHW CHARLES SCHWAB CORP (THE) | 1.09% |
| OHI OMEGA HEALTHCARE INVESTORS INC | 1.06% |
| FTS.TO FORTIS INC | 1.01% |
| WPC W.P. CAREY INC | 0.98% |
| GIL.TO GILDAN ACTIVEWEAR INC | 0.96% |
| VZ VERIZON COMMUNICATIONS INC | 0.87% |
| CME CME GROUP INC | 0.75% |
| ICE INTERCONTINENTAL EXCHANGE INC | 0.68% |
| BAC BANK OF AMERICA CORP | 0.65% |
Whether the technical picture shows an edge right now. Separate from the Sharia verdict, which this side never overrides.
Domini Impact Equity Fund (DSEFX) 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.
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.
| Holding | Weight | Verdict |
|---|---|---|
| NVDANVIDIA CORP | 7.36% | Compliant |
| AAPLAPPLE INC | 7.05% | Compliant |
| GOOGALPHABET INC | 5.64% | Questionable |
| MSFTMICROSOFT CORP | 5.42% | Questionable |
| AMZNAMAZON.COM INC | 4.07% | Questionable |
| AVGOBROADCOM INC | 3.80% | Compliant |
| MUMICRON TECHNOLOGY INC | 2.51% | Compliant |
| LLYELI LILLY & COMPANY | 2.26% | Compliant |
| VVISA INC | 2.08% | Compliant |
| MAMASTERCARD INC | 1.86% | Compliant |
Top 10 of 157 holdings, 42.1% of the fund by weight. Every holding is screened, not only these.
The positions keeping this fund short of 100% compliant by weight.
Verdict history for DSEFX. A verdict that never moved is recorded too, so a quiet history reads as measured rather than missing.
Tracked since 2026-09-07.
Pinch or scroll to zoom · drag to pan — both axes move · double-click to reset
This fund prices once a day, so its bars carry no intraday high or low — floor-trader pivots are not defined for it.
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.
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.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 52.70 | NEUTRAL |
| Stochastic %K (14) | 68.60 | NEUTRAL |
| CCI (20) | 57.26 | NEUTRAL |
| Williams %R (14) | -31.40 | NEUTRAL |
| MACD (12,26,9) | 0.05 | BUY |
| ROC (10) | 0.98 | BUY |
| Momentum (10) | 0.41 | BUY |
| EMA (10) | 42.00 | BUY |
| SMA (10) | 41.92 | BUY |
| EMA (20) | 41.93 | BUY |
| SMA (20) | 41.82 | BUY |
| EMA (30) | 41.90 | BUY |
| SMA (30) | 41.87 | BUY |
| EMA (50) | 41.79 | BUY |
| SMA (50) | 42.05 | BUY |
| EMA (100) | 41.22 | BUY |
| SMA (100) | 41.52 | BUY |
| EMA (200) | 39.86 | BUY |
| SMA (200) | 39.66 | BUY |
Market structure by timeframe, read from real bars. A bias per timeframe rather than a forecast — timeframes disagreeing is information, not noise.
The questions worth asking about any verdict on this page, answered plainly.
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.
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.
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.
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.
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.
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.