US EQUITIES CLOSED CRYPTO 24/7
HALAL TRADING ROOM Sharia-screened signals
TERMINAL
LI

LIGAXETF / FundLoomis Sayles Investment Grade Bond Fund

Open in terminalCompare
Alert

Verdicts genuinely change. Free email alert the moment LIGAX's does — no target price to set, unlike "Alert" above.

Could not fetch a live price for this symbol.
Sharia status
NOT COMPLIANT
Screened by look-through to its filed holdings — 44% of portfolio weight covered
Fund look-through

Loomis Sayles Investment Grade Bond Fund · LOOMIS SAYLES FUNDS II

1,086 holdings

This fund holds short positions, so exposure is counted gross — long and short both count as exposure rather than netting off, and the weights below therefore sum to 102% of net assets rather than 100%. Shares of the portfolio are shown as shares of that gross exposure.

NON-COMPLIANT At least 36.40% of portfolio weight is in non-compliant holdings — already over the 5% threshold, so the verdict is settled whatever the unmatched 57% turns out to be. Matching more holdings can only raise this share, never lower it.

13.72% of that is conventional interest-bearing debt, identified from the fund's own filing rather than by screening an issuer. Sukuk are deliberately excluded from this test and are never counted here.

1,086 holdings, 276 matched (44% of weight). Portfolio as of 2026-06-30, filed 2026-08-28. Source: SEC Form N-PORT.

5.19% of this portfolio’s income is non-permissible — weighted across holdings, computed over 26% of portfolio weight (234 of 1086 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.

Portfolio shares are withheld: coverage is below the floor needed to state one. The holdings themselves are below, because the names are evidence you can check.

All holdings (1,086) · showing 1–250
HoldingStatusWeightEvery methodology, and the debt ratio behind it
United States Treasury NON_COMPLIANT 3.47% no in-house ratios for this holding
Fixed Income Clearing Corp. UNSCREENED 3.37% no in-house ratios for this holding
United States Treasury NON_COMPLIANT 3.24% no in-house ratios for this holding
United States Treasury NON_COMPLIANT 1.81% no in-house ratios for this holding
United States Treasury NON_COMPLIANT 1.59% no in-house ratios for this holding
United States Treasury NON_COMPLIANT 1.47% no in-house ratios for this holding
BIG SKY FUNDING LLC UNSCREENED 0.99% no in-house ratios for this holding
SPACE EXPLORATION TECH UNSCREENED 0.92% no in-house ratios for this holding
United States Treasury NON_COMPLIANT 0.87% no in-house ratios for this holding
BEIGNET INVESTOR LLC UNSCREENED 0.86% no in-house ratios for this holding
CONTINENTAL RESOURCES UNSCREENED 0.84% no in-house ratios for this holding
United States Treasury NON_COMPLIANT 0.78% no in-house ratios for this holding
BA BOEING CO/THE NON_COMPLIANT 0.75% AAOIFI30.1% Usmani30.2% Dow Jones Islamic33.6% S&P Shariah36.0% MSCI Islamic30.2% MSCI Islamic M-Series36.0% FTSE Shariah30.2%
MEDLINE BORROWER LP UNSCREENED 0.65% no in-house ratios for this holding
BA BOEING CO NON_COMPLIANT 0.62% AAOIFI30.1% Usmani30.2% Dow Jones Islamic33.6% S&P Shariah36.0% MSCI Islamic30.2% MSCI Islamic M-Series36.0% FTSE Shariah30.2%
GLENCORE FUNDING LLC UNSCREENED 0.56% no in-house ratios for this holding
ECHO ECHOSTAR CORP NON_COMPLIANT 0.55% AAOIFI70.1% Usmani44.9% Dow Jones Islamic89.9% S&P Shariah120.2% MSCI Islamic44.6% MSCI Islamic M-Series120.2% FTSE Shariah44.2%
VIPER ENERGY PARTNERS LL UNSCREENED 0.53% no in-house ratios for this holding
CRM SALESFORCE INC COMPLIANT 0.50% AAOIFI20.9% Usmani38.1% Dow Jones Islamic18.3% S&P Shariah17.8% MSCI Islamic38.1% MSCI Islamic M-Series17.8% FTSE Shariah35.8%
DISCOVERY GLOBAL HOLDINGS INC UNSCREENED 0.49% no in-house ratios for this holding
APP APPLOVIN CORP COMPLIANT 0.48% AAOIFI3.9% Usmani42.5% Dow Jones Islamic2.5% S&P Shariah3.4% MSCI Islamic42.5% MSCI Islamic M-Series3.4% FTSE Shariah42.5%
MS MORGAN STANLEY NON_COMPLIANT 0.47% AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4%
CANADIAN NATL RESOURCES UNSCREENED 0.46% no in-house ratios for this holding
NRG NRG Energy Inc NON_COMPLIANT 0.45% AAOIFI85.9% Usmani53.8% Dow Jones Islamic81.4% S&P Shariah98.7% MSCI Islamic53.8% MSCI Islamic M-Series98.7% FTSE Shariah53.3%
GS GOLDMAN SACHS GROUP INC NON_COMPLIANT 0.43% AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6%
CONTINENTAL RESOURCES UNSCREENED 0.43% no in-house ratios for this holding
ORCL ORACLE CORP NON_COMPLIANT 0.42% AAOIFI34.1% Usmani64.0% Dow Jones Islamic30.7% S&P Shariah35.2% MSCI Islamic61.0% MSCI Islamic M-Series35.2% FTSE Shariah49.5%
SNX TD SYNNEX CORP COMPLIANT 0.42% AAOIFI22.5% Usmani12.3% Dow Jones Islamic36.1% S&P Shariah39.8% MSCI Islamic12.3% MSCI Islamic M-Series39.8% FTSE Shariah12.3%
Palmer Square BDC CLO Ltd UNSCREENED 0.41% no in-house ratios for this holding
BX Trust UNSCREENED 0.41% no in-house ratios for this holding
ELV ELEVANCE HEALTH INC NON_COMPLIANT 0.39% AAOIFI35.1% Usmani24.6% Dow Jones Islamic37.4% S&P Shariah33.5% MSCI Islamic24.6% MSCI Islamic M-Series33.5% FTSE Shariah24.6%
RCL ROYAL CARIBBEAN CRUISES NON_COMPLIANT 0.39% AAOIFI33.1% Usmani52.7% Dow Jones Islamic32.9% S&P Shariah40.4% MSCI Islamic52.7% MSCI Islamic M-Series40.4% FTSE Shariah51.2%
JPM JPMORGAN CHASE & CO NON_COMPLIANT 0.36% AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4%
CEMEXCPO.MX CEMEX SAB DE CV NON_COMPLIANT 0.36% AAOIFIfail Usmanipass Dow Jones Islamicfail S&P Shariahfail MSCI Islamicpass MSCI Islamic M-Seriesfail FTSE Shariahpass
INTU INTUIT INC COMPLIANT 0.36% AAOIFI9.9% Usmani22.9% Dow Jones Islamic5.4% S&P Shariah5.3% MSCI Islamic22.9% MSCI Islamic M-Series5.3% FTSE Shariah20.8%
United States Treasury NON_COMPLIANT 0.36% no in-house ratios for this holding
LEIDOS INC UNSCREENED 0.36% no in-house ratios for this holding
UNITED RENTALS NORTH AM UNSCREENED 0.35% no in-house ratios for this holding
ENTG ENTEGRIS INC COMPLIANT 0.34% AAOIFI16.5% Usmani42.3% Dow Jones Islamic22.1% S&P Shariah21.4% MSCI Islamic42.1% MSCI Islamic M-Series21.4% FTSE Shariah41.1%
AERCAP IRELAND CAP/GLOBA UNSCREENED 0.34% no in-house ratios for this holding
SPACE EXPLORATION TECH UNSCREENED 0.34% no in-house ratios for this holding
TMUS T-MOBILE USA INC NON_COMPLIANT 0.34% AAOIFI18.0% Usmani17.5% Dow Jones Islamic14.6% S&P Shariah15.9% MSCI Islamic16.5% MSCI Islamic M-Series15.9% FTSE Shariah2.9%
HCA INC UNSCREENED 0.34% no in-house ratios for this holding
BMRN BIOMARIN PHARMACEUTICAL INC NON_COMPLIANT 0.33% AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah—
Trans Union LLC UNSCREENED 0.33% no in-house ratios for this holding
ET ENERGY TRANSFER LP NON_COMPLIANT 0.33% AAOIFI94.8% Usmani47.4% Dow Jones Islamic120.8% S&P Shariah134.5% MSCI Islamic47.4% MSCI Islamic M-Series134.5% FTSE Shariah46.2%
LEIDOS INC UNSCREENED 0.33% no in-house ratios for this holding
TEAM ATLASSIAN CORPORATION COMPLIANT 0.33% AAOIFI2.6% Usmani20.2% Dow Jones Islamic2.9% S&P Shariah2.7% MSCI Islamic20.2% MSCI Islamic M-Series2.7% FTSE Shariah16.2%
VIKING CRUISES LTD UNSCREENED 0.33% no in-house ratios for this holding
CHENIERE ENERGY PARTNERS UNSCREENED 0.32% no in-house ratios for this holding
CHI Commercial Mortgage Trust UNSCREENED 0.32% no in-house ratios for this holding
BX Trust UNSCREENED 0.32% no in-house ratios for this holding
WH Wyndham Hotels & Resorts Inc NON_COMPLIANT 0.32% AAOIFI47.4% Usmani61.7% Dow Jones Islamic42.2% S&P Shariah43.4% MSCI Islamic61.7% MSCI Islamic M-Series43.4% FTSE Shariah61.7%
GLE.PA SOCIETE GENERALE NON_COMPLIANT 0.32% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
CIFC Funding Ltd UNSCREENED 0.32% no in-house ratios for this holding
TRGP TARGA RESOURCES CORP NON_COMPLIANT 0.32% AAOIFI31.5% Usmani71.4% Dow Jones Islamic46.4% S&P Shariah55.1% MSCI Islamic68.7% MSCI Islamic M-Series55.1% FTSE Shariah68.7%
Applebees/IHOP Funding LLC UNSCREENED 0.32% no in-house ratios for this holding
TMUS T-MOBILE USA INC NON_COMPLIANT 0.31% AAOIFI18.0% Usmani17.5% Dow Jones Islamic14.6% S&P Shariah15.9% MSCI Islamic16.5% MSCI Islamic M-Series15.9% FTSE Shariah2.9%
NVDA NVIDIA CORP COMPLIANT 0.30% AAOIFI1.1% Usmani12.1% Dow Jones Islamic0.9% S&P Shariah1.1% MSCI Islamic12.1% MSCI Islamic M-Series1.1% FTSE Shariah10.4%
RCL ROYAL CARIBBEAN CRUISES NON_COMPLIANT 0.30% AAOIFI33.1% Usmani52.7% Dow Jones Islamic32.9% S&P Shariah40.4% MSCI Islamic52.7% MSCI Islamic M-Series40.4% FTSE Shariah51.2%
SPRINT CAPITAL CORP UNSCREENED 0.30% no in-house ratios for this holding
CDW LLC/CDW FINANCE UNSCREENED 0.30% no in-house ratios for this holding
MS MORGAN STANLEY NON_COMPLIANT 0.30% AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4%
MORGAN STANLEY PVT BANK UNSCREENED 0.30% no in-house ratios for this holding
WESTERN MIDSTREAM OPERAT UNSCREENED 0.29% no in-house ratios for this holding
EXP EAGLE MATERIALS INC NON_COMPLIANT 0.29% AAOIFI30.7% Usmani45.9% Dow Jones Islamic24.2% S&P Shariah24.1% MSCI Islamic45.9% MSCI Islamic M-Series24.1% FTSE Shariah45.0%
Flutter Financing BV UNSCREENED 0.29% no in-house ratios for this holding
ET ENERGY TRANSFER LP NON_COMPLIANT 0.29% AAOIFI94.8% Usmani47.4% Dow Jones Islamic120.8% S&P Shariah134.5% MSCI Islamic47.4% MSCI Islamic M-Series134.5% FTSE Shariah46.2%
TEVA PHARM FIN CO LLC UNSCREENED 0.29% no in-house ratios for this holding
WMB WILLIAMS COMPANIES INC NON_COMPLIANT 0.28% AAOIFI35.0% Usmani50.0% Dow Jones Islamic41.0% S&P Shariah47.9% MSCI Islamic50.0% MSCI Islamic M-Series47.9% FTSE Shariah50.0%
CCO HLDGS LLC/CAP CORP UNSCREENED 0.27% no in-house ratios for this holding
TRGP TARGA RESOURCES CORP NON_COMPLIANT 0.27% AAOIFI31.5% Usmani71.4% Dow Jones Islamic46.4% S&P Shariah55.1% MSCI Islamic68.7% MSCI Islamic M-Series55.1% FTSE Shariah68.7%
LIGHTPATH FIBER ISSUER LLC UNSCREENED 0.27% no in-house ratios for this holding
CDW LLC/CDW FINANCE UNSCREENED 0.27% no in-house ratios for this holding
TEVA PHARMACEUTICALS NE UNSCREENED 0.26% no in-house ratios for this holding
MS MORGAN STANLEY NON_COMPLIANT 0.26% AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4%
UBSG.SW UBS GROUP AG NON_COMPLIANT 0.26% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
AP BOSPHORUS HLDGS LTD UNSCREENED 0.26% no in-house ratios for this holding
WFC WELLS FARGO & COMPANY NON_COMPLIANT 0.26% AAOIFI80.2% Usmani9.1% Dow Jones Islamic84.8% S&P Shariah93.9% MSCI Islamic9.1% MSCI Islamic M-Series93.9% FTSE Shariah9.1%
T AT&T INC NON_COMPLIANT 0.25% AAOIFI92.9% Usmani38.0% Dow Jones Islamic94.4% S&P Shariah107.8% MSCI Islamic38.0% MSCI Islamic M-Series107.8% FTSE Shariah33.6%
PPC PILGRIM'S PRIDE CORP NON_COMPLIANT 0.25% AAOIFI43.6% Usmani31.0% Dow Jones Islamic33.3% S&P Shariah37.2% MSCI Islamic31.0% MSCI Islamic M-Series37.2% FTSE Shariah28.5%
SF ABS Issuer LLC UNSCREENED 0.25% no in-house ratios for this holding
MS MORGAN STANLEY NON_COMPLIANT 0.24% AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4%
BOSPHOROUS FINANCIAL SERVICES UNSCREENED 0.24% no in-house ratios for this holding
TXT TEXTRON INC NON_COMPLIANT 0.24% AAOIFI3.1% Usmani2.2% Dow Jones Islamic2.8% S&P Shariah2.7% MSCI Islamic2.2% MSCI Islamic M-Series2.7% FTSE Shariah0.0%
CCL CARNIVAL CORP LTD NON_COMPLIANT 0.24% AAOIFI72.6% Usmani50.6% Dow Jones Islamic82.0% S&P Shariah96.0% MSCI Islamic50.6% MSCI Islamic M-Series96.0% FTSE Shariah48.2%
MRSH MARSH & MCLENNAN COS INC NON_COMPLIANT 0.24% AAOIFI24.1% Usmani35.8% Dow Jones Islamic22.1% S&P Shariah22.2% MSCI Islamic35.8% MSCI Islamic M-Series22.2% FTSE Shariah32.7%
Palmer Square BDC CLO Ltd UNSCREENED 0.24% no in-house ratios for this holding
WFC WELLS FARGO & COMPANY NON_COMPLIANT 0.24% AAOIFI80.2% Usmani9.1% Dow Jones Islamic84.8% S&P Shariah93.9% MSCI Islamic9.1% MSCI Islamic M-Series93.9% FTSE Shariah9.1%
IR INGERSOLL RAND INC COMPLIANT 0.24% AAOIFI14.2% Usmani22.7% Dow Jones Islamic12.3% S&P Shariah12.3% MSCI Islamic22.7% MSCI Islamic M-Series12.3% FTSE Shariah22.4%
VLTO VERALTO CORP COMPLIANT 0.23% AAOIFI12.4% Usmani37.5% Dow Jones Islamic11.8% S&P Shariah12.2% MSCI Islamic37.5% MSCI Islamic M-Series12.2% FTSE Shariah34.8%
EXPE EXPEDIA GROUP INC NON_COMPLIANT 0.23% AAOIFI15.9% Usmani19.6% Dow Jones Islamic22.4% S&P Shariah26.0% MSCI Islamic19.6% MSCI Islamic M-Series26.0% FTSE Shariah18.8%
MTH MERITAGE HOMES CORP NON_COMPLIANT 0.23% AAOIFI15.2% Usmani7.6% Dow Jones Islamic11.7% S&P Shariah11.1% MSCI Islamic7.6% MSCI Islamic M-Series11.1% FTSE Shariah7.6%
HST HOST HOTELS & RESORTS LP NON_COMPLIANT 0.23% AAOIFI8.4% Usmani9.6% Dow Jones Islamic10.8% S&P Shariah11.0% MSCI Islamic9.6% MSCI Islamic M-Series11.0% FTSE Shariah9.6%
DVA DaVita Inc NON_COMPLIANT 0.22% AAOIFI119.4% Usmani75.7% Dow Jones Islamic119.5% S&P Shariah122.0% MSCI Islamic75.7% MSCI Islamic M-Series122.0% FTSE Shariah60.9%
GOOG ALPHABET INC QUESTIONABLE 0.22% AAOIFI2.9% Usmani13.1% Dow Jones Islamic3.9% S&P Shariah4.5% MSCI Islamic12.8% MSCI Islamic M-Series4.5% FTSE Shariah10.9%
Invesco CLO LTD UNSCREENED 0.22% no in-house ratios for this holding
TRMB TRIMBLE INC COMPLIANT 0.22% AAOIFI10.6% Usmani17.1% Dow Jones Islamic8.8% S&P Shariah9.4% MSCI Islamic17.1% MSCI Islamic M-Series9.4% FTSE Shariah17.1%
MAR MARRIOTT INTERNATIONAL NON_COMPLIANT 0.21% AAOIFI1.3% Usmani4.8% Dow Jones Islamic1.7% S&P Shariah1.8% MSCI Islamic4.8% MSCI Islamic M-Series1.8% FTSE Shariah1.7%
BAY Trust UNSCREENED 0.21% no in-house ratios for this holding
MS MORGAN STANLEY NON_COMPLIANT 0.21% AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4%
AVGO BROADCOM INC COMPLIANT 0.21% AAOIFI3.8% Usmani32.5% Dow Jones Islamic4.4% S&P Shariah5.5% MSCI Islamic32.5% MSCI Islamic M-Series5.5% FTSE Shariah32.5%
BEACON POINT DC LLC UNSCREENED 0.21% no in-house ratios for this holding
ET ENERGY TRANSFER LP NON_COMPLIANT 0.21% AAOIFI94.8% Usmani47.4% Dow Jones Islamic120.8% S&P Shariah134.5% MSCI Islamic47.4% MSCI Islamic M-Series134.5% FTSE Shariah46.2%
CLI Funding LLC UNSCREENED 0.21% no in-house ratios for this holding
Jack in the Box Funding, LLC UNSCREENED 0.21% no in-house ratios for this holding
SUBWAY FUNDING LLC UNSCREENED 0.21% no in-house ratios for this holding
GS GOLDMAN SACHS GROUP INC NON_COMPLIANT 0.21% AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6%
EXPE EXPEDIA GROUP INC NON_COMPLIANT 0.21% AAOIFI15.9% Usmani19.6% Dow Jones Islamic22.4% S&P Shariah26.0% MSCI Islamic19.6% MSCI Islamic M-Series26.0% FTSE Shariah18.8%
NATL LIFE INSURANCE-VRMT UNSCREENED 0.21% no in-house ratios for this holding
1011778 BC / NEW RED FIN UNSCREENED 0.20% no in-house ratios for this holding
AMZN AMAZON.COM INC QUESTIONABLE 0.20% AAOIFI8.2% Usmani22.1% Dow Jones Islamic9.6% S&P Shariah10.6% MSCI Islamic20.9% MSCI Islamic M-Series10.6% FTSE Shariah12.1%
OCP CLO Ltd UNSCREENED 0.20% no in-house ratios for this holding
ORCL ORACLE CORP NON_COMPLIANT 0.20% AAOIFI34.1% Usmani64.0% Dow Jones Islamic30.7% S&P Shariah35.2% MSCI Islamic61.0% MSCI Islamic M-Series35.2% FTSE Shariah49.5%
AIRCASTLE / IRELAND DAC UNSCREENED 0.19% no in-house ratios for this holding
DTE DTE ENERGY CO NON_COMPLIANT 0.19% AAOIFI90.3% Usmani46.4% Dow Jones Islamic93.7% S&P Shariah101.8% MSCI Islamic46.4% MSCI Islamic M-Series101.8% FTSE Shariah45.9%
LAKEVIEW LOAN SR NOTES UNSCREENED 0.19% no in-house ratios for this holding
SO SOUTHERN CO NON_COMPLIANT 0.19% AAOIFI68.7% Usmani45.3% Dow Jones Islamic72.3% S&P Shariah78.7% MSCI Islamic44.8% MSCI Islamic M-Series78.7% FTSE Shariah43.8%
HCA INC UNSCREENED 0.19% no in-house ratios for this holding
Santander Drive Auto Receivables Trust UNSCREENED 0.19% no in-house ratios for this holding
RCL ROYAL CARIBBEAN CRUISES NON_COMPLIANT 0.19% AAOIFI33.1% Usmani52.7% Dow Jones Islamic32.9% S&P Shariah40.4% MSCI Islamic52.7% MSCI Islamic M-Series40.4% FTSE Shariah51.2%
DUK DUKE ENERGY CORP NON_COMPLIANT 0.19% AAOIFI95.1% Usmani45.3% Dow Jones Islamic98.9% S&P Shariah107.5% MSCI Islamic45.0% MSCI Islamic M-Series107.5% FTSE Shariah44.4%
Trafigura Securitisation Finance Plc UNSCREENED 0.19% no in-house ratios for this holding
GLENCORE FUNDING LLC UNSCREENED 0.19% no in-house ratios for this holding
AERCAP IRELAND CAP/GLOBA UNSCREENED 0.19% no in-house ratios for this holding
ARAMARK SERVICES INC UNSCREENED 0.19% no in-house ratios for this holding
GLE.PA SOCIETE GENERALE NON_COMPLIANT 0.19% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
Q QNITY ELECTRONICS INC COMPLIANT 0.18% AAOIFI17.6% Usmani31.6% Dow Jones Islamicpass S&P Shariahpass MSCI Islamic31.6% MSCI Islamic M-Seriespass FTSE Shariah28.1%
Applebees/IHOP Funding LLC UNSCREENED 0.18% no in-house ratios for this holding
SYF SYNCHRONY FINANCIAL NON_COMPLIANT 0.18% AAOIFI85.9% Usmani18.3% Dow Jones Islamic91.8% S&P Shariah104.8% MSCI Islamic18.3% MSCI Islamic M-Series104.8% FTSE Shariah18.3%
JBS NV/USA FOODS/FOOD CO UNSCREENED 0.18% no in-house ratios for this holding
BA BOEING CO NON_COMPLIANT 0.18% AAOIFI30.1% Usmani30.2% Dow Jones Islamic33.6% S&P Shariah36.0% MSCI Islamic30.2% MSCI Islamic M-Series36.0% FTSE Shariah30.2%
GFH Mortgage Trust UNSCREENED 0.18% no in-house ratios for this holding
NRG NRG ENERGY INC NON_COMPLIANT 0.18% AAOIFI85.9% Usmani53.8% Dow Jones Islamic81.4% S&P Shariah98.7% MSCI Islamic53.8% MSCI Islamic M-Series98.7% FTSE Shariah53.3%
Mosaic Solar Loans LLC UNSCREENED 0.18% no in-house ratios for this holding
Pretium Mortgage Credit Partners LLC UNSCREENED 0.18% no in-house ratios for this holding
UBSG.SW UBS GROUP AG NON_COMPLIANT 0.17% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
DELL INT LLC / EMC CORP UNSCREENED 0.17% no in-house ratios for this holding
STEWART INFORMATION SERV UNSCREENED 0.17% no in-house ratios for this holding
BLUE OWL FINANCE LLC UNSCREENED 0.17% no in-house ratios for this holding
UBER UBER TECHNOLOGIES INC COMPLIANT 0.17% AAOIFI9.5% Usmani22.4% Dow Jones Islamic8.9% S&P Shariah9.6% MSCI Islamic22.4% MSCI Islamic M-Series9.6% FTSE Shariah19.3%
Rad CLO Ltd UNSCREENED 0.17% no in-house ratios for this holding
ORCL ORACLE CORP NON_COMPLIANT 0.17% AAOIFI34.1% Usmani64.0% Dow Jones Islamic30.7% S&P Shariah35.2% MSCI Islamic61.0% MSCI Islamic M-Series35.2% FTSE Shariah49.5%
Oak Hill Credit UNSCREENED 0.17% no in-house ratios for this holding
UNITED RENTALS NORTH AM UNSCREENED 0.17% no in-house ratios for this holding
Garnet CLO Ltd UNSCREENED 0.17% no in-house ratios for this holding
Sprite Limited UNSCREENED 0.17% no in-house ratios for this holding
MAST USA LLC UNSCREENED 0.17% no in-house ratios for this holding
Novelis Corporation UNSCREENED 0.17% no in-house ratios for this holding
WESTERN MIDSTREAM OPERAT UNSCREENED 0.17% no in-house ratios for this holding
OC OWENS CORNING NON_COMPLIANT 0.16% AAOIFI43.5% Usmani37.4% Dow Jones Islamic40.6% S&P Shariah39.3% MSCI Islamic37.4% MSCI Islamic M-Series39.3% FTSE Shariah33.2%
First Help Financial LLC UNSCREENED 0.16% no in-house ratios for this holding
RCO Mortgage LLC UNSCREENED 0.16% no in-house ratios for this holding
JANE STREET GRP/JSG FIN UNSCREENED 0.16% no in-house ratios for this holding
ROCKETMTGE CO-ISSUER INC UNSCREENED 0.16% no in-house ratios for this holding
TXT TEXTRON INC NON_COMPLIANT 0.16% AAOIFI3.1% Usmani2.2% Dow Jones Islamic2.8% S&P Shariah2.7% MSCI Islamic2.2% MSCI Islamic M-Series2.7% FTSE Shariah0.0%
ROCKETMTGE CO-ISSUER INC UNSCREENED 0.16% no in-house ratios for this holding
JEF JEFFERIES FIN GROUP INC NON_COMPLIANT 0.16% AAOIFI155.4% Usmani25.1% Dow Jones Islamic171.6% S&P Shariah188.8% MSCI Islamic25.1% MSCI Islamic M-Series188.8% FTSE Shariah25.1%
MSCI MSCI INC COMPLIANT 0.16% AAOIFI15.7% Usmani116.8% Dow Jones Islamic15.3% S&P Shariah15.6% MSCI Islamic116.8% MSCI Islamic M-Series15.6% FTSE Shariah113.9%
ORCL ORACLE CORP NON_COMPLIANT 0.16% AAOIFI34.1% Usmani64.0% Dow Jones Islamic30.7% S&P Shariah35.2% MSCI Islamic61.0% MSCI Islamic M-Series35.2% FTSE Shariah49.5%
RCO Mortgage LLC UNSCREENED 0.16% no in-house ratios for this holding
BA BOEING CO NON_COMPLIANT 0.15% AAOIFI30.1% Usmani30.2% Dow Jones Islamic33.6% S&P Shariah36.0% MSCI Islamic30.2% MSCI Islamic M-Series36.0% FTSE Shariah30.2%
AVIATION CAPITAL GROUP UNSCREENED 0.15% no in-house ratios for this holding
Pretium Mortgage Credit Partners LLC UNSCREENED 0.15% no in-house ratios for this holding
JPM JPMORGAN CHASE & CO NON_COMPLIANT 0.15% AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4%
GLENCORE FUNDING LLC UNSCREENED 0.15% no in-house ratios for this holding
Global SC Finance SRL UNSCREENED 0.15% no in-house ratios for this holding
APH AMPHENOL CORP NON_COMPLIANT 0.15% AAOIFI9.5% Usmani42.0% Dow Jones Islamic13.3% S&P Shariah16.1% MSCI Islamic42.0% MSCI Islamic M-Series16.1% FTSE Shariah42.0%
AERCAP IRELAND CAP/GLOBA UNSCREENED 0.15% no in-house ratios for this holding
Silver Point CLO, Ltd UNSCREENED 0.15% no in-house ratios for this holding
Magnetite CLO Ltd UNSCREENED 0.15% no in-house ratios for this holding
TPG CLO Ltd UNSCREENED 0.15% no in-house ratios for this holding
Colony American Finance Ltd UNSCREENED 0.15% no in-house ratios for this holding
Kapitus Asset Securitization LLC UNSCREENED 0.15% no in-house ratios for this holding
FNF FIDELITY NATL FINANCIAL NON_COMPLIANT 0.15% AAOIFI35.7% Usmani3.8% Dow Jones Islamic29.8% S&P Shariah31.6% MSCI Islamic3.8% MSCI Islamic M-Series31.6% FTSE Shariah3.8%
CLH Clean Harbors Inc COMPLIANT 0.15% AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah—
MS MORGAN STANLEY NON_COMPLIANT 0.15% AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4%
LEIDOS INC UNSCREENED 0.15% no in-house ratios for this holding
RCO Mortgage LLC UNSCREENED 0.14% no in-house ratios for this holding
JEF JEFFERIES FIN GROUP INC NON_COMPLIANT 0.14% AAOIFI155.4% Usmani25.1% Dow Jones Islamic171.6% S&P Shariah188.8% MSCI Islamic25.1% MSCI Islamic M-Series188.8% FTSE Shariah25.1%
GGAM Master Trust US LLC UNSCREENED 0.14% no in-house ratios for this holding
Garnet CLO Ltd UNSCREENED 0.14% no in-house ratios for this holding
Pretium Mortgage Credit Partners LLC UNSCREENED 0.14% no in-house ratios for this holding
ALLISON TRANSMISSION INC UNSCREENED 0.14% no in-house ratios for this holding
QXO QXO INC NON_COMPLIANT 0.14% AAOIFI49.4% Usmani31.0% Dow Jones Islamic64.2% S&P Shariah94.5% MSCI Islamic30.2% MSCI Islamic M-Series94.5% FTSE Shariah26.6%
JPM JPMORGAN CHASE & CO NON_COMPLIANT 0.14% AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4%
VENTURE GLOBAL PLAQUE UNSCREENED 0.14% no in-house ratios for this holding
CHARTER COMM OPT LLC/CAP UNSCREENED 0.14% no in-house ratios for this holding
Asplundh Tree Expert LLC UNSCREENED 0.14% no in-house ratios for this holding
BA BOEING CO NON_COMPLIANT 0.14% AAOIFI30.1% Usmani30.2% Dow Jones Islamic33.6% S&P Shariah36.0% MSCI Islamic30.2% MSCI Islamic M-Series36.0% FTSE Shariah30.2%
COVENTRY SBC4 UNSCREENED 0.14% no in-house ratios for this holding
ANTARES HOLDINGS UNSCREENED 0.14% no in-house ratios for this holding
HUT 8 DC LLC UNSCREENED 0.14% no in-house ratios for this holding
COF CAPITAL ONE FINANCIAL CO NON_COMPLIANT 0.14% AAOIFI38.5% Usmani7.6% Dow Jones Islamic49.3% S&P Shariah60.5% MSCI Islamic7.6% MSCI Islamic M-Series60.5% FTSE Shariah7.6%
tvc mortgage trust UNSCREENED 0.14% no in-house ratios for this holding
ROC Securities Trust UNSCREENED 0.14% no in-house ratios for this holding
MS MORGAN STANLEY NON_COMPLIANT 0.14% AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4%
MidOcean Credit CLO UNSCREENED 0.13% no in-house ratios for this holding
Textainer Marine Containers Limited UNSCREENED 0.13% no in-house ratios for this holding
ISP.MI INTESA SANPAOLO SPA NON_COMPLIANT 0.13% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
ELECTRONIC ARTS INC UNSCREENED 0.13% no in-house ratios for this holding
EquipmentShare UNSCREENED 0.13% no in-house ratios for this holding
ANTARES HOLDINGS UNSCREENED 0.13% no in-house ratios for this holding
EDI ABS Issuer LLC UNSCREENED 0.13% no in-house ratios for this holding
SNPS SYNOPSYS INC COMPLIANT 0.13% AAOIFI14.4% Usmani22.7% Dow Jones Islamic13.2% S&P Shariah13.2% MSCI Islamic22.7% MSCI Islamic M-Series13.2% FTSE Shariah21.0%
ROCKETMTGE CO-ISSUER INC UNSCREENED 0.13% no in-house ratios for this holding
Freddiemac Strip NON_COMPLIANT 0.13% no in-house ratios for this holding
GLENCORE FUNDING LLC UNSCREENED 0.13% no in-house ratios for this holding
APH AMPHENOL CORP NON_COMPLIANT 0.13% AAOIFI9.5% Usmani42.0% Dow Jones Islamic13.3% S&P Shariah16.1% MSCI Islamic42.0% MSCI Islamic M-Series16.1% FTSE Shariah42.0%
GFL GFL ENVIRONMENTAL INC NON_COMPLIANT 0.13% AAOIFI29.3% Usmani38.5% Dow Jones Islamic34.1% S&P Shariah36.6% MSCI Islamic38.5% MSCI Islamic M-Series36.6% FTSE Shariah38.5%
WFC WELLS FARGO & COMPANY NON_COMPLIANT 0.13% AAOIFI80.2% Usmani9.1% Dow Jones Islamic84.8% S&P Shariah93.9% MSCI Islamic9.1% MSCI Islamic M-Series93.9% FTSE Shariah9.1%
Shentel Issuer LLC UNSCREENED 0.13% no in-house ratios for this holding
VENTURE GLOBAL PLAQUE UNSCREENED 0.13% no in-house ratios for this holding
Symetra CLO Ltd UNSCREENED 0.13% no in-house ratios for this holding
META META PLATFORMS INC QUESTIONABLE 0.13% AAOIFI7.2% Usmani25.0% Dow Jones Islamic7.0% S&P Shariah7.9% MSCI Islamic25.0% MSCI Islamic M-Series7.9% FTSE Shariah18.6%
HP HELMERICH & PAYNE INC NON_COMPLIANT 0.13% AAOIFI42.0% Usmani29.6% Dow Jones Islamic66.3% S&P Shariah61.7% MSCI Islamic29.6% MSCI Islamic M-Series61.7% FTSE Shariah29.6%
INDUSTRIAL DPR FDG LTD UNSCREENED 0.13% no in-house ratios for this holding
Regatta 35 Funding Ltd. UNSCREENED 0.13% no in-house ratios for this holding
Bridgecrest Lending Auto Securitization Trust UNSCREENED 0.13% no in-house ratios for this holding
GLENCORE FUNDING LLC UNSCREENED 0.13% no in-house ratios for this holding
TEAM ATLASSIAN CORPORATION COMPLIANT 0.13% AAOIFI2.6% Usmani20.2% Dow Jones Islamic2.9% S&P Shariah2.7% MSCI Islamic20.2% MSCI Islamic M-Series2.7% FTSE Shariah16.2%
CarMax Select Receivables Trust UNSCREENED 0.13% no in-house ratios for this holding
LEIDOS INC UNSCREENED 0.13% no in-house ratios for this holding
META META PLATFORMS INC QUESTIONABLE 0.13% AAOIFI7.2% Usmani25.0% Dow Jones Islamic7.0% S&P Shariah7.9% MSCI Islamic25.0% MSCI Islamic M-Series7.9% FTSE Shariah18.6%
Drive Auto Receivables Trust UNSCREENED 0.12% no in-house ratios for this holding
NDSN NORDSON CORP COMPLIANT 0.12% AAOIFI9.1% Usmani27.3% Dow Jones Islamic11.7% S&P Shariah11.8% MSCI Islamic27.0% MSCI Islamic M-Series11.8% FTSE Shariah25.9%
JBS NV/USA FOODS/FOOD CO UNSCREENED 0.12% no in-house ratios for this holding
CLH CLEAN HARBORS INC COMPLIANT 0.12% AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah—
New Residential Mortgage Loan Trust UNSCREENED 0.12% no in-house ratios for this holding
Kapitus Asset Securitization LLC UNSCREENED 0.12% no in-house ratios for this holding
BYZFUNDER ASSET SECURITIZATION I, LLC UNSCREENED 0.12% no in-house ratios for this holding
AVOLON HOLDINGS FNDG LTD UNSCREENED 0.12% no in-house ratios for this holding
UBSG.SW UBS GROUP AG NON_COMPLIANT 0.12% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
Hilton Domestic Operating Company Inc UNSCREENED 0.12% no in-house ratios for this holding
Birch Grove CLO Ltd. UNSCREENED 0.12% no in-house ratios for this holding
STLD STEEL DYNAMICS INC COMPLIANT 0.12% AAOIFI12.1% Usmani24.4% Dow Jones Islamic17.6% S&P Shariah18.9% MSCI Islamic24.4% MSCI Islamic M-Series18.9% FTSE Shariah24.4%
CDW LLC/CDW FINANCE UNSCREENED 0.12% no in-house ratios for this holding
College Ave Student Loans UNSCREENED 0.12% no in-house ratios for this holding
JEF JEFFERIES FIN GROUP INC NON_COMPLIANT 0.12% AAOIFI155.4% Usmani25.1% Dow Jones Islamic171.6% S&P Shariah188.8% MSCI Islamic25.1% MSCI Islamic M-Series188.8% FTSE Shariah25.1%
MS MORGAN STANLEY NON_COMPLIANT 0.12% AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4%
Westlake Automobile Receivables Trust UNSCREENED 0.12% no in-house ratios for this holding
ROYAL BK SCOTLAND INTL LTD UNSCREENED 0.12% no in-house ratios for this holding
SNPS SYNOPSYS INC COMPLIANT 0.12% AAOIFI14.4% Usmani22.7% Dow Jones Islamic13.2% S&P Shariah13.2% MSCI Islamic22.7% MSCI Islamic M-Series13.2% FTSE Shariah21.0%
Compass Datacenters Issuer II, LLC UNSCREENED 0.12% no in-house ratios for this holding
Post CLO LTD UNSCREENED 0.12% no in-house ratios for this holding
DK Crown Holdings Inc UNSCREENED 0.12% no in-house ratios for this holding
Chol Aviation Capital Ltd. UNSCREENED 0.12% no in-house ratios for this holding
Altde Trust UNSCREENED 0.12% no in-house ratios for this holding
UNITED AIR 2023-1 A PTT UNSCREENED 0.11% no in-house ratios for this holding
Crown City CLO I UNSCREENED 0.11% no in-house ratios for this holding

The published standards disagree about this fund by 3 points of portfolio weight — 11.5% of it passes Dow Jones Islamic, 8.9% 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 10.2% ratios fail on 18.0% 73.3% not rated under AAOIFI

146 of 1,086 listed holdings carry our own per-methodology verdicts (30% of weight). The rest hold a provider verdict with no methodology breakdown, and are counted as rated by none. Of those, 131 (28% of weight) also carry the underlying debt ratio; the rest show a verdict without the figure behind it.

Non-compliant holdingWeight
United States Treasury 3.47%
United States Treasury 3.24%
United States Treasury 1.81%
United States Treasury 1.59%
United States Treasury 1.47%
United States Treasury 0.87%
United States Treasury 0.78%
BA BOEING CO/THE 0.75%
BA BOEING CO 0.62%
ECHO ECHOSTAR CORP 0.55%
🕌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.

Loomis Sayles Investment Grade Bond Fund (LIGAX) 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.

6.7%Compliant 1.0%Questionable 36.4%Non-compliant 57.4%Not screened 0.0%Screened, not rated
HoldingWeightVerdict
United States Treasurynot matched to a ticker 3.47% Non-compliant
Fixed Income Clearing Corp.not matched to a ticker 3.37% Not screened
United States Treasurynot matched to a ticker 3.24% Non-compliant
United States Treasurynot matched to a ticker 1.81% Non-compliant
United States Treasurynot matched to a ticker 1.59% Non-compliant
United States Treasurynot matched to a ticker 1.47% Non-compliant
BIG SKY FUNDING LLCnot matched to a ticker 0.99% Not screened
SPACE EXPLORATION TECHnot matched to a ticker 0.92% Not screened
United States Treasurynot matched to a ticker 0.87% Non-compliant
BEIGNET INVESTOR LLCnot matched to a ticker 0.86% Not screened

Top 10 of 1086 holdings, 18.6% 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.

  • United States Treasurynon-compliant3.47%
  • Fixed Income Clearing Corp.not screened3.37%
  • United States Treasurynon-compliant3.24%
  • United States Treasurynon-compliant1.81%
  • United States Treasurynon-compliant1.59%
  • United States Treasurynon-compliant1.47%

What changed, and when

Verdict history for LIGAX. 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 LIGAX has been recorded since tracking began. The scan ledger records that the compliance detectors ran, not which symbols each pass covered.

Tracked since 2026-09-07.

9.689.579.459.339.212025-10-212026-04-222026-10-20

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

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
9.38 – 9.46
±0.41% from 9.42, made 2026-09-15 · resolves 2026-09-22
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.

SELL
19 indicators
OscillatorsNEUTRAL
3 buy · 1 neutral · 3 sell
Moving averagesSELL
5 buy · 0 neutral · 7 sell
Every indicator, and what it reads
IndicatorValueSignal
RSI (14)50.10NEUTRAL
Stochastic %K (14)83.33SELL
CCI (20)101.22SELL
Williams %R (14)-16.67SELL
MACD (12,26,9)0.02BUY
ROC (10)0.76BUY
Momentum (10)0.07BUY
EMA (10)9.29BUY
SMA (10)9.28BUY
EMA (20)9.30BUY
SMA (20)9.26BUY
EMA (30)9.32SELL
SMA (30)9.31BUY
EMA (50)9.36SELL
SMA (50)9.38SELL
EMA (100)9.42SELL
SMA (100)9.46SELL
EMA (200)9.47SELL
SMA (200)9.50SELL

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.