Verdicts genuinely change. Free email alert the moment RITCX'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.
American High Income Trust
1,092 holdings
NON-COMPLIANT At least 27.48% of portfolio weight is in non-compliant holdings — already over the 5% threshold, so the verdict is settled whatever the unmatched 69% turns out to be. Matching more holdings can only raise this share, never lower it.
1,092 holdings, 385 matched (30% of weight). Portfolio as of 2026-06-30, filed 2026-08-27. Source: SEC Form N-PORT.
0.58% of this portfolio’s income is non-permissible — weighted across holdings, computed over 26% of portfolio weight (334 of 1092 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.
| Holding | Status | Weight | Every methodology, and the debt ratio behind it |
|---|---|---|---|
| CAPITAL GROUP CENTRAL CASH FUND | UNSCREENED | 8.13% | no in-house ratios for this holding |
| DBD DIEBOLD NIXDORF INC | NON_COMPLIANT | 1.74% | AAOIFI48.7% Usmani29.7% Dow Jones Islamic51.4% S&P Shariah58.9% MSCI Islamic29.7% MSCI Islamic M-Series58.9% FTSE Shariah25.2% |
| DISH NETWORK CORP | UNSCREENED | 0.92% | no in-house ratios for this holding |
| CONNECT FINCO SARL / CONNECT US FINCO LLC | UNSCREENED | 0.75% | no in-house ratios for this holding |
| FXI HOLDINGS INC | UNSCREENED | 0.70% | no in-house ratios for this holding |
| ECHO ECHOSTAR CORP | NON_COMPLIANT | 0.68% | AAOIFI65.9% Usmani44.9% Dow Jones Islamic95.2% S&P Shariah127.3% MSCI Islamic44.6% MSCI Islamic M-Series127.3% FTSE Shariah44.2% |
| MPT OPERATING PARTNERSHIP LP | UNSCREENED | 0.64% | no in-house ratios for this holding |
| TLN TALEN ENERGY CORP | NON_COMPLIANT | 0.60% | AAOIFI61.3% Usmani63.5% Dow Jones Islamic68.1% S&P Shariah74.8% MSCI Islamic63.5% MSCI Islamic M-Series74.8% FTSE Shariah63.5% |
| PERATON CORP | UNSCREENED | 0.58% | no in-house ratios for this holding |
| CLOUD SOFTWARE GROUP LLC | UNSCREENED | 0.55% | no in-house ratios for this holding |
| NFE FINANCING LLC | UNSCREENED | 0.54% | no in-house ratios for this holding |
| NFE BRAZIL FINANCING LTD | UNSCREENED | 0.51% | no in-house ratios for this holding |
| MPT OPERATING PARTNERSHIP LP | UNSCREENED | 0.50% | no in-house ratios for this holding |
| NEXSTAR MEDIA INC | UNSCREENED | 0.49% | no in-house ratios for this holding |
| ROTECH HEALTHCARE INC (NEW) | UNSCREENED | 0.48% | no in-house ratios for this holding |
| VSAT VIASAT INC | NON_COMPLIANT | 0.48% | AAOIFI66.2% Usmani45.8% Dow Jones Islamic158.7% S&P Shariah186.6% MSCI Islamic45.8% MSCI Islamic M-Series186.6% FTSE Shariah42.6% |
| 1261229 BC LTD | UNSCREENED | 0.48% | no in-house ratios for this holding |
| DBD DIEBOLD NIXDORF INC | NON_COMPLIANT | 0.48% | AAOIFI48.7% Usmani29.7% Dow Jones Islamic51.4% S&P Shariah58.9% MSCI Islamic29.7% MSCI Islamic M-Series58.9% FTSE Shariah25.2% |
| NEXSTAR MEDIA INC | UNSCREENED | 0.46% | no in-house ratios for this holding |
| B&G FOODS INC | UNSCREENED | 0.43% | no in-house ratios for this holding |
| 7201.T NISSAN MOTOR CO LTD | NON_COMPLIANT | 0.43% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| TEVA PHARMACEUTICAL FINANCE NETHERLANDS III BV | UNSCREENED | 0.41% | no in-house ratios for this holding |
| CCL CARNIVAL CORP LTD | NON_COMPLIANT | 0.40% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| ION PLATFORM FINANCE US INC | UNSCREENED | 0.39% | no in-house ratios for this holding |
| KENNEDY-WILSON INC | UNSCREENED | 0.39% | no in-house ratios for this holding |
| HUGHES SATELLITE SYSTEMS CORP | UNSCREENED | 0.39% | no in-house ratios for this holding |
| KENNEDY-WILSON INC | UNSCREENED | 0.39% | no in-house ratios for this holding |
| POLARIS NEWCO LLC | UNSCREENED | 0.37% | no in-house ratios for this holding |
| SIRIUS XM RADIO LLC | UNSCREENED | 0.37% | no in-house ratios for this holding |
| SE COSMOS LLC | UNSCREENED | 0.36% | no in-house ratios for this holding |
| VOYAGER PARENT LLC | UNSCREENED | 0.36% | no in-house ratios for this holding |
| SERVICE PROPERTIES TRUST | UNSCREENED | 0.36% | no in-house ratios for this holding |
| NAVI NAVIENT CORP | NON_COMPLIANT | 0.36% | AAOIFI4909.2% Usmani93.7% Dow Jones Islamic3945.0% S&P Shariah3430.3% MSCI Islamic93.7% MSCI Islamic M-Series3430.3% FTSE Shariah93.7% |
| COIN COINBASE GLOBAL INC | NON_COMPLIANT | 0.36% | AAOIFI13.1% Usmani23.2% Dow Jones Islamic9.7% S&P Shariah10.8% MSCI Islamic23.2% MSCI Islamic M-Series10.8% FTSE Shariah22.5% |
| ACCENDRA HEALTH INC | UNSCREENED | 0.35% | no in-house ratios for this holding |
| COMPASS GROUP DIVERSIFIED HOLDINGS LLC | UNSCREENED | 0.35% | no in-house ratios for this holding |
| HOWARD HUGHES CORP/THE | UNSCREENED | 0.35% | no in-house ratios for this holding |
| HUGHES SATELLITE SYSTEMS CORP | UNSCREENED | 0.34% | no in-house ratios for this holding |
| CCO HOLDINGS LLC | UNSCREENED | 0.34% | no in-house ratios for this holding |
| TRANSDIGM INC | UNSCREENED | 0.34% | no in-house ratios for this holding |
| DISCOVERY GLOBAL HOLDINGS INC | UNSCREENED | 0.33% | no in-house ratios for this holding |
| SIRIUS XM RADIO LLC | UNSCREENED | 0.33% | no in-house ratios for this holding |
| MOH MOLINA HEALTHCARE INC | NON_COMPLIANT | 0.33% | AAOIFI36.0% Usmani24.7% Dow Jones Islamic29.7% S&P Shariah24.7% MSCI Islamic23.6% MSCI Islamic M-Series24.7% FTSE Shariah23.6% |
| ALTICE FRANCE SA (FRANCE) | UNSCREENED | 0.33% | no in-house ratios for this holding |
| UNIVISION COMMUNICATIONS INC | UNSCREENED | 0.33% | no in-house ratios for this holding |
| OSAIC HOLDINGS INC | UNSCREENED | 0.32% | no in-house ratios for this holding |
| TALEN ENERGY SUPPLY LLC | UNSCREENED | 0.32% | no in-house ratios for this holding |
| ECHO ECHOSTAR CORP | NON_COMPLIANT | 0.32% | AAOIFI65.9% Usmani44.9% Dow Jones Islamic95.2% S&P Shariah127.3% MSCI Islamic44.6% MSCI Islamic M-Series127.3% FTSE Shariah44.2% |
| UNIVISION COMMUNICATIONS INC | UNSCREENED | 0.31% | no in-house ratios for this holding |
| GTN GRAY MEDIA INC | NON_COMPLIANT | 0.31% | AAOIFI1180.6% Usmani56.4% Dow Jones Islamic1327.9% S&P Shariah1203.9% MSCI Islamic56.4% MSCI Islamic M-Series1203.9% FTSE Shariah55.6% |
| CCL CARNIVAL CORP LTD | NON_COMPLIANT | 0.31% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| CLOUD SOFTWARE GROUP LLC | UNSCREENED | 0.29% | no in-house ratios for this holding |
| FICO FAIR ISAAC CORP | COMPLIANT | 0.29% | AAOIFI27.8% Usmani274.8% Dow Jones Islamic14.4% S&P Shariah15.5% MSCI Islamic274.8% MSCI Islamic M-Series15.5% FTSE Shariah274.0% |
| DIRECTV FINANCING LLC | UNSCREENED | 0.29% | no in-house ratios for this holding |
| FORD MOTOR CREDIT COMPANY LLC | UNSCREENED | 0.29% | no in-house ratios for this holding |
| NEXSTAR MEDIA INC | UNSCREENED | 0.29% | no in-house ratios for this holding |
| SIRIUS XM RADIO LLC | UNSCREENED | 0.28% | no in-house ratios for this holding |
| ICAHN ENTERPRISES LP | UNSCREENED | 0.28% | no in-house ratios for this holding |
| GTN GRAY MEDIA INC | NON_COMPLIANT | 0.28% | AAOIFI1180.6% Usmani56.4% Dow Jones Islamic1327.9% S&P Shariah1203.9% MSCI Islamic56.4% MSCI Islamic M-Series1203.9% FTSE Shariah55.6% |
| RADIOLOGY PARTNERS INC | UNSCREENED | 0.27% | no in-house ratios for this holding |
| ACCENDRA HEALTH INC | UNSCREENED | 0.27% | no in-house ratios for this holding |
| CONSOLIDATED ENERGY FINANCE SA | UNSCREENED | 0.27% | no in-house ratios for this holding |
| AIMBRIDGE TOPCO LLC | UNSCREENED | 0.27% | no in-house ratios for this holding |
| TRANSDIGM INC | UNSCREENED | 0.27% | no in-house ratios for this holding |
| SERVICE PROPERTIES TRUST | UNSCREENED | 0.26% | no in-house ratios for this holding |
| UNITED NATURAL FOODS INC | UNSCREENED | 0.26% | no in-house ratios for this holding |
| BLACK PEARL COMPUTE LLC | UNSCREENED | 0.26% | no in-house ratios for this holding |
| CCO HOLDINGS LLC | UNSCREENED | 0.26% | no in-house ratios for this holding |
| VENTURE GLOBAL LNG INC | UNSCREENED | 0.26% | no in-house ratios for this holding |
| LCM INVESTMENTS HOLDINGS II LLC | UNSCREENED | 0.26% | no in-house ratios for this holding |
| IRM IRON MOUNTAIN INC | NON_COMPLIANT | 0.25% | AAOIFI57.3% Usmani93.4% Dow Jones Islamic66.1% S&P Shariah73.7% MSCI Islamic90.9% MSCI Islamic M-Series73.7% FTSE Shariah79.0% |
| CHARTER COMMUNICATIONS OPERATING LLC | UNSCREENED | 0.25% | no in-house ratios for this holding |
| EQPT EQUIPMENTSHARE.COM INC | NON_COMPLIANT | 0.25% | AAOIFI89.5% Usmani65.0% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic62.0% MSCI Islamic M-Seriesfail FTSE Shariah51.1% |
| FORD MOTOR CREDIT COMPANY LLC | UNSCREENED | 0.25% | no in-house ratios for this holding |
| SALLY HOLDINGS LLC | UNSCREENED | 0.24% | no in-house ratios for this holding |
| ARETEC GROUP INC | UNSCREENED | 0.24% | no in-house ratios for this holding |
| COSH.OL CONSTELLATION OIL SERVICES HOLDING SA | NON_COMPLIANT | 0.24% | AAOIFI64.4% Usmani37.4% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic30.5% MSCI Islamic M-Seriesfail FTSE Shariah30.5% |
| ACI ALBERTSONS COMPANIES INC | NON_COMPLIANT | 0.24% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| ION PLATFORM FINANCE US INC | UNSCREENED | 0.24% | no in-house ratios for this holding |
| F FORD MOTOR CO | NON_COMPLIANT | 0.24% | AAOIFI4.1% Usmani1.2% Dow Jones Islamic5.7% S&P Shariah5.9% MSCI Islamic0.8% MSCI Islamic M-Series5.9% FTSE Shariah0.0% |
| PCG PG&E CORP | NON_COMPLIANT | 0.24% | AAOIFI201.1% Usmani43.7% Dow Jones Islamic141.7% S&P Shariah142.1% MSCI Islamic43.7% MSCI Islamic M-Series142.1% FTSE Shariah43.3% |
| COIN COINBASE GLOBAL INC | NON_COMPLIANT | 0.24% | AAOIFI13.1% Usmani23.2% Dow Jones Islamic9.7% S&P Shariah10.8% MSCI Islamic23.2% MSCI Islamic M-Series10.8% FTSE Shariah22.5% |
| CZR CAESARS ENTERTAINMENT INC | NON_COMPLIANT | 0.23% | AAOIFI193.4% Usmani78.3% Dow Jones Islamic192.1% S&P Shariah165.8% MSCI Islamic36.9% MSCI Islamic M-Series165.8% FTSE Shariah36.9% |
| SERVICE PROPERTIES TRUST | UNSCREENED | 0.23% | no in-house ratios for this holding |
| INDUSTRIAL F&B INVESTMENTS III INC | UNSCREENED | 0.23% | no in-house ratios for this holding |
| GNE.NZ GENESIS ENERGY LP | NON_COMPLIANT | 0.23% | AAOIFIfail Usmanipass Dow Jones Islamicfail S&P Shariahfail MSCI Islamicpass MSCI Islamic M-Seriesfail FTSE Shariahpass |
| VSAT VIASAT INC | NON_COMPLIANT | 0.22% | AAOIFI66.2% Usmani45.8% Dow Jones Islamic158.7% S&P Shariah186.6% MSCI Islamic45.8% MSCI Islamic M-Series186.6% FTSE Shariah42.6% |
| NAVI NAVIENT CORP | NON_COMPLIANT | 0.22% | AAOIFI4909.2% Usmani93.7% Dow Jones Islamic3945.0% S&P Shariah3430.3% MSCI Islamic93.7% MSCI Islamic M-Series3430.3% FTSE Shariah93.7% |
| VSAT VIASAT INC | NON_COMPLIANT | 0.22% | AAOIFI66.2% Usmani45.8% Dow Jones Islamic158.7% S&P Shariah186.6% MSCI Islamic45.8% MSCI Islamic M-Series186.6% FTSE Shariah42.6% |
| MOH MOLINA HEALTHCARE INC | NON_COMPLIANT | 0.22% | AAOIFI36.0% Usmani24.7% Dow Jones Islamic29.7% S&P Shariah24.7% MSCI Islamic23.6% MSCI Islamic M-Series24.7% FTSE Shariah23.6% |
| B&G FOODS INC | UNSCREENED | 0.22% | no in-house ratios for this holding |
| WULF COMPUTE LLC | UNSCREENED | 0.21% | no in-house ratios for this holding |
| POST POST HOLDINGS INC | NON_COMPLIANT | 0.21% | AAOIFI205.1% Usmani59.4% Dow Jones Islamic136.3% S&P Shariah133.6% MSCI Islamic59.4% MSCI Islamic M-Series133.6% FTSE Shariah59.4% |
| CRC INSURANCE GROUP LLC | UNSCREENED | 0.21% | no in-house ratios for this holding |
| CCO HOLDINGS LLC | UNSCREENED | 0.21% | no in-house ratios for this holding |
| CCO HOLDINGS LLC | UNSCREENED | 0.21% | no in-house ratios for this holding |
| CLEVELAND-CLIFFS INC | UNSCREENED | 0.21% | no in-house ratios for this holding |
| SERVICE PROPERTIES TRUST | UNSCREENED | 0.21% | no in-house ratios for this holding |
| ALLWYN ENTERTAINMENT FINANCING (UK) PLC | UNSCREENED | 0.21% | no in-house ratios for this holding |
| 6425.T UNIVERSAL ENTERTAINMENT CORP | NON_COMPLIANT | 0.20% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| ENDO FINANCE HOLDINGS LP | UNSCREENED | 0.20% | no in-house ratios for this holding |
| CNX CNX RESOURCES CORP | NON_COMPLIANT | 0.20% | AAOIFI42.4% Usmani26.0% Dow Jones Islamic47.9% S&P Shariah52.8% MSCI Islamic25.7% MSCI Islamic M-Series52.8% FTSE Shariah24.3% |
| CNC CENTENE CORP | NON_COMPLIANT | 0.20% | AAOIFI50.5% Usmani19.4% Dow Jones Islamic62.6% S&P Shariah53.4% MSCI Islamic19.4% MSCI Islamic M-Series53.4% FTSE Shariah19.4% |
| COSH.OL CONSTELLATION OIL SERVICES HOLDING SA | NON_COMPLIANT | 0.20% | AAOIFI64.4% Usmani37.4% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic30.5% MSCI Islamic M-Seriesfail FTSE Shariah30.5% |
| HOWARD HUGHES CORP/THE | UNSCREENED | 0.20% | no in-house ratios for this holding |
| KEENOVA THERAPEUTICS PLC | UNSCREENED | 0.20% | no in-house ratios for this holding |
| CLEVELAND-CLIFFS INC | UNSCREENED | 0.20% | no in-house ratios for this holding |
| CCO HOLDINGS LLC | UNSCREENED | 0.20% | no in-house ratios for this holding |
| ALLIANT HOLDINGS INTERMEDIATE LLC | UNSCREENED | 0.20% | no in-house ratios for this holding |
| RADIOLOGY PARTNERS INC | UNSCREENED | 0.20% | no in-house ratios for this holding |
| BAUSCH HEALTH AMERICAS INC | UNSCREENED | 0.20% | no in-house ratios for this holding |
| FICO FAIR ISAAC CORP | COMPLIANT | 0.19% | AAOIFI27.8% Usmani274.8% Dow Jones Islamic14.4% S&P Shariah15.5% MSCI Islamic274.8% MSCI Islamic M-Series15.5% FTSE Shariah274.0% |
| CLEVELAND-CLIFFS INC | UNSCREENED | 0.19% | no in-house ratios for this holding |
| ECHO ECHOSTAR CORP | NON_COMPLIANT | 0.19% | AAOIFI65.9% Usmani44.9% Dow Jones Islamic95.2% S&P Shariah127.3% MSCI Islamic44.6% MSCI Islamic M-Series127.3% FTSE Shariah44.2% |
| FORD MOTOR CREDIT COMPANY LLC | UNSCREENED | 0.19% | no in-house ratios for this holding |
| VENTURE GLOBAL PLAQUEMINES LNG LLC | UNSCREENED | 0.19% | no in-house ratios for this holding |
| POST POST HOLDINGS INC | NON_COMPLIANT | 0.19% | AAOIFI205.1% Usmani59.4% Dow Jones Islamic136.3% S&P Shariah133.6% MSCI Islamic59.4% MSCI Islamic M-Series133.6% FTSE Shariah59.4% |
| ONEMAIN FINANCE CORP | UNSCREENED | 0.19% | no in-house ratios for this holding |
| CRESCENT ENERGY FINANCE LLC | UNSCREENED | 0.19% | no in-house ratios for this holding |
| CORELOGIC INC | UNSCREENED | 0.19% | no in-house ratios for this holding |
| B&G FOODS INC | UNSCREENED | 0.19% | no in-house ratios for this holding |
| NWL NEWELL BRANDS INC | NON_COMPLIANT | 0.18% | AAOIFI213.0% Usmani50.1% Dow Jones Islamic243.5% S&P Shariah226.3% MSCI Islamic50.1% MSCI Islamic M-Series226.3% FTSE Shariah45.3% |
| MEOH METHANEX CORP | NON_COMPLIANT | 0.18% | AAOIFI58.9% Usmani37.8% Dow Jones Islamic88.2% S&P Shariah89.5% MSCI Islamic37.8% MSCI Islamic M-Series89.5% FTSE Shariah37.8% |
| BRSL BRIGHTSTAR LOTTERY PLC | NON_COMPLIANT | 0.18% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| MPT OPERATING PARTNERSHIP LP | UNSCREENED | 0.18% | no in-house ratios for this holding |
| VENTURE GLOBAL CALCASIEU PASS LLC | UNSCREENED | 0.18% | no in-house ratios for this holding |
| MOH MOLINA HEALTHCARE INC | NON_COMPLIANT | 0.18% | AAOIFI36.0% Usmani24.7% Dow Jones Islamic29.7% S&P Shariah24.7% MSCI Islamic23.6% MSCI Islamic M-Series24.7% FTSE Shariah23.6% |
| SONIC AUTOMOTIVE INC | UNSCREENED | 0.18% | no in-house ratios for this holding |
| CLEVELAND-CLIFFS INC | UNSCREENED | 0.17% | no in-house ratios for this holding |
| ALTICE FRANCE SA (FRANCE) | UNSCREENED | 0.17% | no in-house ratios for this holding |
| FINASTRA USA INC | UNSCREENED | 0.17% | no in-house ratios for this holding |
| VENTURE GLOBAL PLAQUEMINES LNG LLC | UNSCREENED | 0.17% | no in-house ratios for this holding |
| SM SM ENERGY CO | NON_COMPLIANT | 0.17% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| FORESTAR GROUP INC | UNSCREENED | 0.17% | no in-house ratios for this holding |
| JANE STREET GROUP LLC | UNSCREENED | 0.17% | no in-house ratios for this holding |
| NATL NCR ATLEOS CORP | NON_COMPLIANT | 0.17% | AAOIFI87.4% Usmani51.8% Dow Jones Islamic111.7% S&P Shariah127.3% MSCI Islamic51.8% MSCI Islamic M-Series127.3% FTSE Shariah49.3% |
| TREEHOUSE FOODS INC | UNSCREENED | 0.17% | no in-house ratios for this holding |
| PETROLEOS MEXICANOS | UNSCREENED | 0.17% | no in-house ratios for this holding |
| CCO HOLDINGS LLC | UNSCREENED | 0.17% | no in-house ratios for this holding |
| BIP-V CHINOOK HOLDCO LLC | UNSCREENED | 0.17% | no in-house ratios for this holding |
| 7201.T NISSAN MOTOR CO LTD | NON_COMPLIANT | 0.17% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| CHS/COMMUNITY HEALTH SYSTEMS INC | UNSCREENED | 0.16% | no in-house ratios for this holding |
| AVANTOR FUNDING INC | UNSCREENED | 0.16% | no in-house ratios for this holding |
| ION PLATFORM FINANCE US INC | UNSCREENED | 0.16% | no in-house ratios for this holding |
| MERIDIAN ARC HOLDCO LLC | UNSCREENED | 0.16% | no in-house ratios for this holding |
| TRANSDIGM INC | UNSCREENED | 0.16% | no in-house ratios for this holding |
| NAVI NAVIENT CORP | NON_COMPLIANT | 0.16% | AAOIFI4909.2% Usmani93.7% Dow Jones Islamic3945.0% S&P Shariah3430.3% MSCI Islamic93.7% MSCI Islamic M-Series3430.3% FTSE Shariah93.7% |
| COREWEAVE INC | UNSCREENED | 0.16% | no in-house ratios for this holding |
| VSAT VIASAT INC | NON_COMPLIANT | 0.16% | AAOIFI66.2% Usmani45.8% Dow Jones Islamic158.7% S&P Shariah186.6% MSCI Islamic45.8% MSCI Islamic M-Series186.6% FTSE Shariah42.6% |
| CELANESE US HOLDINGS LLC | UNSCREENED | 0.16% | no in-house ratios for this holding |
| ACI ALBERTSONS COMPANIES INC | NON_COMPLIANT | 0.16% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| CANPACK SA | UNSCREENED | 0.16% | no in-house ratios for this holding |
| SUMMIT MIDSTREAM HOLDINGS LLC | UNSCREENED | 0.16% | no in-house ratios for this holding |
| CENT CENTRAL GARDEN & PET CO | NON_COMPLIANT | 0.16% | AAOIFI60.7% Usmani37.2% Dow Jones Islamic61.0% S&P Shariah60.1% MSCI Islamic37.2% MSCI Islamic M-Series60.1% FTSE Shariah31.5% |
| INR INFINITY NATURAL RESOURCES LLC | NON_COMPLIANT | 0.16% | AAOIFI1.6% Usmani0.6% Dow Jones Islamic1.4% S&P Shariahpass MSCI Islamic0.6% MSCI Islamic M-Seriespass FTSE Shariah0.5% |
| CLEVELAND-CLIFFS INC | UNSCREENED | 0.15% | no in-house ratios for this holding |
| GARDA WORLD SECURITY CORP | UNSCREENED | 0.15% | no in-house ratios for this holding |
| CCO HOLDINGS LLC | UNSCREENED | 0.15% | no in-house ratios for this holding |
| FORD MOTOR CREDIT COMPANY LLC | UNSCREENED | 0.15% | no in-house ratios for this holding |
| DVA DAVITA INC | NON_COMPLIANT | 0.15% | AAOIFI119.4% Usmani75.7% Dow Jones Islamic119.5% S&P Shariah122.0% MSCI Islamic75.7% MSCI Islamic M-Series122.0% FTSE Shariah60.9% |
| MOH MOLINA HEALTHCARE INC | NON_COMPLIANT | 0.15% | AAOIFI36.0% Usmani24.7% Dow Jones Islamic29.7% S&P Shariah24.7% MSCI Islamic23.6% MSCI Islamic M-Series24.7% FTSE Shariah23.6% |
| TALEN ENERGY SUPPLY LLC | UNSCREENED | 0.15% | no in-house ratios for this holding |
| ENDO FINANCE HOLDINGS LP | UNSCREENED | 0.15% | no in-house ratios for this holding |
| ACI ALBERTSONS COMPANIES INC | NON_COMPLIANT | 0.15% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| VENTURE GLOBAL CALCASIEU PASS LLC | UNSCREENED | 0.15% | no in-house ratios for this holding |
| GNE.NZ GENESIS ENERGY LP | NON_COMPLIANT | 0.15% | AAOIFIfail Usmanipass Dow Jones Islamicfail S&P Shariahfail MSCI Islamicpass MSCI Islamic M-Seriesfail FTSE Shariahpass |
| CLEVELAND-CLIFFS INC | UNSCREENED | 0.15% | no in-house ratios for this holding |
| LCM INVESTMENTS HOLDINGS II LLC | UNSCREENED | 0.15% | no in-house ratios for this holding |
| ARDONAGH GROUP FINANCE LTD | UNSCREENED | 0.15% | no in-house ratios for this holding |
| BMRN BIOMARIN PHARMACEUTICAL INC | NON_COMPLIANT | 0.15% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| NBR NABORS INDUSTRIES INC | NON_COMPLIANT | 0.15% | AAOIFI154.2% Usmani48.2% Dow Jones Islamic251.0% S&P Shariah247.4% MSCI Islamic48.2% MSCI Islamic M-Series247.4% FTSE Shariah48.0% |
| UNIVISION COMMUNICATIONS INC | UNSCREENED | 0.15% | no in-house ratios for this holding |
| LW LAMB WESTON HOLDINGS INC | NON_COMPLIANT | 0.15% | AAOIFI59.0% Usmani54.9% Dow Jones Islamic53.9% S&P Shariah44.6% MSCI Islamic54.8% MSCI Islamic M-Series44.6% FTSE Shariah53.2% |
| SCIENTIFIC GAMES HOLDINGS LP | UNSCREENED | 0.15% | no in-house ratios for this holding |
| SAMARCO MINERACAO SA | UNSCREENED | 0.15% | no in-house ratios for this holding |
| HRI HERC HOLDINGS INC | NON_COMPLIANT | 0.14% | AAOIFI200.8% Usmani69.0% Dow Jones Islamic211.0% S&P Shariah223.1% MSCI Islamic69.0% MSCI Islamic M-Series223.1% FTSE Shariah57.7% |
| ARDONAGH FINCO LTD | UNSCREENED | 0.14% | no in-house ratios for this holding |
| GREAT CANADIAN GAMING CORP | UNSCREENED | 0.14% | no in-house ratios for this holding |
| PCG PG&E CORP | NON_COMPLIANT | 0.14% | AAOIFI201.1% Usmani43.7% Dow Jones Islamic141.7% S&P Shariah142.1% MSCI Islamic43.7% MSCI Islamic M-Series142.1% FTSE Shariah43.3% |
| TRANSDIGM INC | UNSCREENED | 0.14% | no in-house ratios for this holding |
| VSNT VERSANT MEDIA GROUP INC | NON_COMPLIANT | 0.14% | AAOIFI58.2% Usmani23.2% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic23.2% MSCI Islamic M-Seriesfail FTSE Shariah23.2% |
| ASCENT RESOURCES UTICA HOLDINGS LLC | UNSCREENED | 0.14% | no in-house ratios for this holding |
| SONIC AUTOMOTIVE INC | UNSCREENED | 0.14% | no in-house ratios for this holding |
| SUN SUNOCO LP | NON_COMPLIANT | 0.14% | AAOIFI104.9% Usmani51.6% Dow Jones Islamic133.3% S&P Shariah140.0% MSCI Islamic49.6% MSCI Islamic M-Series140.0% FTSE Shariah44.5% |
| SNAP SNAP INC | NON_COMPLIANT | 0.14% | AAOIFI46.0% Usmani56.6% Dow Jones Islamic31.4% S&P Shariah26.2% MSCI Islamic56.6% MSCI Islamic M-Series26.2% FTSE Shariah47.3% |
| XYZ BLOCK INC | NON_COMPLIANT | 0.14% | AAOIFI12.2% Usmani15.3% Dow Jones Islamic14.3% S&P Shariah14.7% MSCI Islamic15.3% MSCI Islamic M-Series14.7% FTSE Shariah14.6% |
| ASCENT CNR CORPORATION | UNSCREENED | 0.14% | no in-house ratios for this holding |
| FORD MOTOR CREDIT COMPANY LLC | UNSCREENED | 0.14% | no in-house ratios for this holding |
| SUN SUNOCO LP | NON_COMPLIANT | 0.14% | AAOIFI104.9% Usmani51.6% Dow Jones Islamic133.3% S&P Shariah140.0% MSCI Islamic49.6% MSCI Islamic M-Series140.0% FTSE Shariah44.5% |
| DIRECTV FINANCING LLC | UNSCREENED | 0.14% | no in-house ratios for this holding |
| HOWARD HUGHES CORP/THE | UNSCREENED | 0.14% | no in-house ratios for this holding |
| GTN GRAY MEDIA INC | NON_COMPLIANT | 0.14% | AAOIFI1180.6% Usmani56.4% Dow Jones Islamic1327.9% S&P Shariah1203.9% MSCI Islamic56.4% MSCI Islamic M-Series1203.9% FTSE Shariah55.6% |
| NISSAN MOTOR ACCEPTANCE COMPANY LLC | UNSCREENED | 0.14% | no in-house ratios for this holding |
| DISCOVERY GLOBAL HOLDINGS INC | UNSCREENED | 0.14% | no in-house ratios for this holding |
| SCIH SALT HOLDINGS INC | UNSCREENED | 0.14% | no in-house ratios for this holding |
| COMMERCIAL METALS CO | UNSCREENED | 0.14% | no in-house ratios for this holding |
| EQPT EQUIPMENTSHARE.COM INC | NON_COMPLIANT | 0.14% | AAOIFI89.5% Usmani65.0% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic62.0% MSCI Islamic M-Seriesfail FTSE Shariah51.1% |
| NAVI NAVIENT CORP | NON_COMPLIANT | 0.14% | AAOIFI4909.2% Usmani93.7% Dow Jones Islamic3945.0% S&P Shariah3430.3% MSCI Islamic93.7% MSCI Islamic M-Series3430.3% FTSE Shariah93.7% |
| NAVI NAVIENT CORP | NON_COMPLIANT | 0.14% | AAOIFI4909.2% Usmani93.7% Dow Jones Islamic3945.0% S&P Shariah3430.3% MSCI Islamic93.7% MSCI Islamic M-Series3430.3% FTSE Shariah93.7% |
| CLARIVATE SCIENCE HOLDINGS CORP | UNSCREENED | 0.14% | no in-house ratios for this holding |
| FXI HOLDINGS INC | UNSCREENED | 0.14% | no in-house ratios for this holding |
| CONNECT FINCO SARL | UNSCREENED | 0.14% | no in-house ratios for this holding |
| NAVI NAVIENT CORP | NON_COMPLIANT | 0.14% | AAOIFI4909.2% Usmani93.7% Dow Jones Islamic3945.0% S&P Shariah3430.3% MSCI Islamic93.7% MSCI Islamic M-Series3430.3% FTSE Shariah93.7% |
| ION PLATFORM FINANCE US INC | UNSCREENED | 0.14% | no in-house ratios for this holding |
| CONNECT HOLDING II LLC | UNSCREENED | 0.14% | no in-house ratios for this holding |
| ALLIANT HOLDINGS INTERMEDIATE LLC | UNSCREENED | 0.14% | no in-house ratios for this holding |
| AVIS BUDGET CAR RENTAL LLC | UNSCREENED | 0.14% | no in-house ratios for this holding |
| SIRIUS XM RADIO LLC | UNSCREENED | 0.14% | no in-house ratios for this holding |
| THC TENET HEALTHCARE CORP | NON_COMPLIANT | 0.14% | AAOIFI63.5% Usmani43.2% Dow Jones Islamic83.2% S&P Shariah95.3% MSCI Islamic43.2% MSCI Islamic M-Series95.3% FTSE Shariah43.2% |
| PERMIAN RESOURCES OPERATING LLC | UNSCREENED | 0.14% | no in-house ratios for this holding |
| CONNECT HOLDING II LLC | UNSCREENED | 0.13% | no in-house ratios for this holding |
| FORD MOTOR CREDIT COMPANY LLC | UNSCREENED | 0.13% | no in-house ratios for this holding |
| VENTURE GLOBAL PLAQUEMINES LNG LLC | UNSCREENED | 0.13% | no in-house ratios for this holding |
| HILTON DOMESTIC OPERATING COMPANY INC | UNSCREENED | 0.13% | no in-house ratios for this holding |
| IRM IRON MOUNTAIN INC | NON_COMPLIANT | 0.13% | AAOIFI57.3% Usmani93.4% Dow Jones Islamic66.1% S&P Shariah73.7% MSCI Islamic90.9% MSCI Islamic M-Series73.7% FTSE Shariah79.0% |
| IQVIA INC | UNSCREENED | 0.13% | no in-house ratios for this holding |
| CZR CAESARS ENTERTAINMENT INC | NON_COMPLIANT | 0.13% | AAOIFI193.4% Usmani78.3% Dow Jones Islamic192.1% S&P Shariah165.8% MSCI Islamic36.9% MSCI Islamic M-Series165.8% FTSE Shariah36.9% |
| AH PARENT INC | UNSCREENED | 0.13% | no in-house ratios for this holding |
| OSAIC HOLDINGS INC | UNSCREENED | 0.13% | no in-house ratios for this holding |
| CZR CAESARS ENTERTAINMENT INC | NON_COMPLIANT | 0.13% | AAOIFI193.4% Usmani78.3% Dow Jones Islamic192.1% S&P Shariah165.8% MSCI Islamic36.9% MSCI Islamic M-Series165.8% FTSE Shariah36.9% |
| LONG RIDGE ENERGY LLC | UNSCREENED | 0.13% | no in-house ratios for this holding |
| WEATHERFORD INTERNATIONAL LTD BERMUDA | UNSCREENED | 0.13% | no in-house ratios for this holding |
| SUN SUNOCO LP | NON_COMPLIANT | 0.13% | AAOIFI104.9% Usmani51.6% Dow Jones Islamic133.3% S&P Shariah140.0% MSCI Islamic49.6% MSCI Islamic M-Series140.0% FTSE Shariah44.5% |
| FORD MOTOR CREDIT COMPANY LLC | UNSCREENED | 0.13% | no in-house ratios for this holding |
| 7201.T NISSAN MOTOR CO LTD | NON_COMPLIANT | 0.13% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| CNC CENTENE CORP | NON_COMPLIANT | 0.13% | AAOIFI50.5% Usmani19.4% Dow Jones Islamic62.6% S&P Shariah53.4% MSCI Islamic19.4% MSCI Islamic M-Series53.4% FTSE Shariah19.4% |
| ONEMAIN FINANCE CORP | UNSCREENED | 0.13% | no in-house ratios for this holding |
| SUN SUNOCO LP | NON_COMPLIANT | 0.13% | AAOIFI104.9% Usmani51.6% Dow Jones Islamic133.3% S&P Shariah140.0% MSCI Islamic49.6% MSCI Islamic M-Series140.0% FTSE Shariah44.5% |
| WOLF WOLFSPEED INC | NON_COMPLIANT | 0.13% | AAOIFI145.1% Usmani59.8% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic59.7% MSCI Islamic M-Seriesfail FTSE Shariah56.2% |
| METHANEX US OPERATIONS INC | UNSCREENED | 0.13% | no in-house ratios for this holding |
| ACI ALBERTSONS COMPANIES INC | NON_COMPLIANT | 0.12% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| COTY INC | UNSCREENED | 0.12% | no in-house ratios for this holding |
| IRON MOUNTAIN INFORMATION MANAGEMENT SERVICES INC | UNSCREENED | 0.12% | no in-house ratios for this holding |
| ALLIED UNIVERSAL HOLDCO LLC | UNSCREENED | 0.12% | no in-house ratios for this holding |
| UIS UNISYS CORP | NON_COMPLIANT | 0.12% | AAOIFI397.2% Usmani46.2% Dow Jones Islamic254.3% S&P Shariah244.3% MSCI Islamic46.2% MSCI Islamic M-Series244.3% FTSE Shariah44.7% |
| SURGERY CENTER HOLDINGS INC | UNSCREENED | 0.12% | no in-house ratios for this holding |
| BRSL BRIGHTSTAR LOTTERY PLC | NON_COMPLIANT | 0.12% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| PETROBRAS GLOBAL FINANCE BV | 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— |
| BALL BALL CORP | NON_COMPLIANT | 0.12% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| GNE.NZ GENESIS ENERGY LP | NON_COMPLIANT | 0.12% | AAOIFIfail Usmanipass Dow Jones Islamicfail S&P Shariahfail MSCI Islamicpass MSCI Islamic M-Seriesfail FTSE Shariahpass |
| MINERAL RESOURCES LTD | UNSCREENED | 0.12% | no in-house ratios for this holding |
| TALOS PRODUCTION INC | UNSCREENED | 0.12% | no in-house ratios for this holding |
| CRESCENT ENERGY FINANCE LLC | UNSCREENED | 0.12% | no in-house ratios for this holding |
| TEVA PHARMACEUTICAL FINANCE NETHERLANDS III BV | UNSCREENED | 0.12% | no in-house ratios for this holding |
| HOWARD HUGHES CORP/THE | UNSCREENED | 0.12% | no in-house ratios for this holding |
| AMWINS GROUP INC | UNSCREENED | 0.12% | no in-house ratios for this holding |
| NOBLE FINANCE II LLC | UNSCREENED | 0.12% | no in-house ratios for this holding |
| WEATHERFORD INTERNATIONAL LTD BERMUDA | UNSCREENED | 0.12% | no in-house ratios for this holding |
| THC TENET HEALTHCARE CORP | NON_COMPLIANT | 0.12% | AAOIFI63.5% Usmani43.2% Dow Jones Islamic83.2% S&P Shariah95.3% MSCI Islamic43.2% MSCI Islamic M-Series95.3% FTSE Shariah43.2% |
The published standards disagree about this fund by 4 points of portfolio weight — 7.4% of it passes FTSE Shariah, 3.8% passes MSCI Islamic M-Series. 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 4.3% ratios fail on 22.9% 72.3% not rated under AAOIFI
ratios pass on 6.7% ratios fail on 20.2% 72.6% not rated under Usmani
ratios pass on 4.5% ratios fail on 22.6% 72.4% not rated under Dow Jones Islamic
ratios pass on 3.9% ratios fail on 23.3% 72.4% not rated under S&P Shariah
ratios pass on 4.5% ratios fail on 22.2% 72.8% not rated under MSCI Islamic
ratios pass on 3.8% ratios fail on 23.4% 72.4% not rated under MSCI Islamic M-Series
ratios pass on 7.4% ratios fail on 19.3% 72.9% not rated under FTSE Shariah
158 of 1,092 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, 138 (25% of weight) also carry the underlying debt ratio; the rest show a verdict without the figure behind it.
| Non-compliant holding | Weight |
|---|---|
| DBD DIEBOLD NIXDORF INC | 1.74% |
| ECHO ECHOSTAR CORP | 0.68% |
| TLN TALEN ENERGY CORP | 0.60% |
| VSAT VIASAT INC | 0.48% |
| DBD DIEBOLD NIXDORF INC | 0.48% |
| 7201.T NISSAN MOTOR CO LTD | 0.43% |
| CCL CARNIVAL CORP LTD | 0.40% |
| NAVI NAVIENT CORP | 0.36% |
| COIN COINBASE GLOBAL INC | 0.36% |
| MOH MOLINA HEALTHCARE INC | 0.33% |
Whether the technical picture shows an edge right now. Separate from the Sharia verdict, which this side never overrides.
American High Income Trust (RITCX) 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 |
|---|---|---|
| CAPITAL GROUP CENTRAL CASH FUNDnot matched to a ticker | 8.13% | Not screened |
| DBDDIEBOLD NIXDORF INC | 1.74% | Non-compliant |
| DISH NETWORK CORPnot matched to a ticker | 0.92% | Not screened |
| CONNECT FINCO SARL / CONNECT US FINCO LLCnot matched to a ticker | 0.75% | Not screened |
| FXI HOLDINGS INCnot matched to a ticker | 0.70% | Not screened |
| ECHOECHOSTAR CORP | 0.68% | Non-compliant |
| MPT OPERATING PARTNERSHIP LPnot matched to a ticker | 0.64% | Not screened |
| TLNTALEN ENERGY CORP | 0.60% | Non-compliant |
| PERATON CORPnot matched to a ticker | 0.58% | Not screened |
| CLOUD SOFTWARE GROUP LLCnot matched to a ticker | 0.55% | Not screened |
Top 10 of 1092 holdings, 15.3% 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 RITCX. 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) | 32.10 | NEUTRAL |
| Stochastic %K (14) | 16.67 | BUY |
| CCI (20) | -56.24 | NEUTRAL |
| Williams %R (14) | -83.33 | BUY |
| MACD (12,26,9) | -0.00 | SELL |
| ROC (10) | -0.53 | SELL |
| Momentum (10) | -0.05 | SELL |
| EMA (10) | 9.47 | SELL |
| SMA (10) | 9.45 | BUY |
| EMA (20) | 9.51 | SELL |
| SMA (20) | 9.52 | SELL |
| EMA (30) | 9.54 | SELL |
| SMA (30) | 9.57 | SELL |
| EMA (50) | 9.58 | SELL |
| SMA (50) | 9.62 | SELL |
| EMA (100) | 9.61 | SELL |
| SMA (100) | 9.65 | SELL |
| EMA (200) | 9.58 | SELL |
| SMA (200) | 9.61 | SELL |
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.