Cincinnati Financial Quarterly Income Statements Chart
Quarterly
|
Annual
Cincinnati Financial Quarterly Income Statements Table
Quarterly
|
Annual
| Unit: USD | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 | 2020-09-30 | 2020-06-30 | 2020-03-31 | 2019-12-31 | 2019-09-30 | 2019-06-30 | 2019-03-31 | 2018-12-31 | 2018-09-30 | 2018-06-30 | 2018-03-31 | 2017-12-31 | 2017-09-30 | 2017-06-30 | 2017-03-31 | 2016-12-31 | 2016-09-30 | 2016-06-30 | 2016-03-31 | 2015-12-31 | 2015-09-30 | 2015-06-30 | 2015-03-31 | 2014-12-31 | 2014-09-30 | 2014-06-30 | 2014-03-31 | 2013-12-31 | 2013-09-30 | 2013-06-30 | 2013-03-31 | 2012-12-31 | 2012-09-30 | 2012-06-30 | 2012-03-31 | 2011-12-31 | 2011-09-30 | 2011-06-30 | 2011-03-31 | 2010-12-31 | 2010-09-30 | 2010-06-30 | 2010-03-31 | 2009-12-31 | 2009-09-30 | 2009-06-30 | 2009-03-31 | 2008-12-31 | 2008-09-30 | 2008-06-30 | 2008-03-31 | 2007-12-31 | 2007-09-30 | 2007-06-30 | 2007-03-31 | 2006-12-31 | 2006-09-30 | 2006-06-30 | 2006-03-31 | 2005-12-31 | 2005-09-30 | 2005-06-30 | 2005-03-31 | 2004-12-31 | 2004-09-30 | 2004-06-30 | 2004-03-31 | 2003-12-31 | 2003-09-30 | 2003-06-30 | 2003-03-31 | 2002-12-31 | 2002-09-30 | 2002-06-30 | 2002-03-31 | 2001-12-31 | 2001-09-30 | 2001-06-30 | 2001-03-31 | 2000-12-31 | 2000-09-30 | 2000-06-30 | 2000-03-31 | 1999-12-31 | 1999-09-30 | 1999-06-30 | 1999-03-31 | 1998-12-31 | 1998-09-30 | 1998-06-30 | 1998-03-31 | 1997-12-31 | 1997-09-30 | 1997-06-30 | 1997-03-31 | 1996-12-31 | 1996-09-30 | 1996-06-30 | 1996-03-31 | 1995-12-31 | 1995-09-30 | 1995-06-30 | 1995-03-31 | 1994-12-31 | 1994-09-30 | 1994-06-30 | 1994-03-31 | 1993-12-31 | 1993-09-30 | 1993-06-30 | 1993-03-31 | 1992-12-31 | 1992-09-30 | 1992-06-30 | 1992-03-31 | 1991-12-31 | 1991-09-30 | 1991-06-30 | 1991-03-31 | 1990-12-31 | 1990-09-30 | 1990-06-30 | 1990-03-31 | 1989-12-31 | 1989-09-30 | 1989-06-30 | 1989-03-31 | 1988-12-31 | 1988-09-30 | 1988-06-30 | 1988-03-31 | 1987-12-31 | 1987-09-30 | 1987-06-30 | 1987-03-31 | 1986-12-31 | 1986-09-30 | 1986-06-30 | 1986-03-31 | 1985-12-31 | 1985-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| revenue | 3,356,000,000 | 1,811,000,000 | 2,605,000,000 | 2,241,000,000 | 3,114,000,000 | 1,408,000,000 | 820,000,000 | 1,215,000,000 | 3,323,000,000 | 1,785,000,000 | 2,295,000,000 | 2,227,000,000 | 2,694,000,000 | 2,227,000,000 | 2,714,000,000 | -99,000,000 | 2,152,000,000 | 1,700,000,000 | 1,913,000,000 | 2,159,000,000 | 710,000,000 | 1,915,000,000 | 1,558,000,000 | 1,224,000,000 | 1,411,000,000 | 1,412,000,000 | 1,386,000,000 | 1,523,000,000 | 1,312,000,000 | 1,402,000,000 | 1,371,000,000 | 1,364,000,000 | 1,263,000,000 | 1,278,000,000 | 1,316,000,000 | 1,285,000,000 | 1,262,000,000 | 1,280,000,000 | 1,214,000,000 | 1,189,000,000 | 1,172,000,000 | 1,152,000,000 | 1,104,000,000 | 1,103,000,000 | 1,070,000,000 | 1,035,000,000 | 1,020,000,000 | 986,000,000 | 955,000,000 | 944,000,000 | 975,000,000 | 929,000,000 | 936,000,000 | 1,071,000,000 | 878,000,000 | 887,000,000 | 1,133,000,000 | 1,007,000,000 | 874,000,000 | 890,000,000 | 1,018,000,000 | 1,186,000,000 | 917,000,000 | 704,000,000 | 976,000,000 | 982,000,000 | 1,270,000,000 | 1,031,000,000 | 994,000,000 | 967,000,000 | 981,000,000 | 1,607,000,000 | 966,000,000 | 944,000,000 | 940,000,000 | 916,000,000 | 942,000,000 | 879,000,000 | 923,000,000 | 870,000,000 | 839,000,000 | 836,000,000 | 798,000,000 | 707,000,000 | 722,000,000 | 731,000,000 | 703,000,000 | 687,000,000 | 653,858,000 | 643,870,000 | 645,389,000 | 617,882,000 | 581,127,000 | 599,790,000 | 578,807,000 | 571,270,000 | 511,923,000 | 538,300,000 | 541,300,000 | 536,700,000 | 508,389,000 | 514,800,000 | 518,600,000 | 512,600,000 | 482,384,000 | 492,000,000 | 484,200,000 | 483,700,000 | 459,249,000 | 455,700,000 | 442,000,000 | 451,800,000 | 419,251,000 | 416,700,000 | 405,000,000 | 414,700,000 | 372,306,000 | 381,700,000 | 378,800,000 | 379,700,000 | 359,900,000 | 357,500,000 | 371,200,000 | 353,700,000 | 329,100,000 | 330,400,000 | 317,300,000 | 327,500,000 | 289,500,000 | 296,500,000 | 295,600,000 | 279,500,000 | 266,500,000 | 264,100,000 | 258,100,000 | 260,200,000 | 245,400,000 | 248,000,000 | 238,100,000 | 240,500,000 | 231,700,000 | 228,000,000 | 228,800,000 | 227,500,000 | 227,300,000 | 220,000,000 | 225,500,000 | 210,400,000 | 205,000,000 | 203,000,000 | 189,100,000 | 178,700,000 | 165,200,000 | 158,600,000 |
| cost of revenue | 8,000,000 | 5,000,000 | 7,000,000 | 5,000,000 | 23,000,000 | 4,000,000 | 5,000,000 | 4,000,000 | 0 | 5,000,000 | 5,000,000 | 4,000,000 | 0 | 5,000,000 | 5,000,000 | 5,000,000 | 0 | 5,000,000 | 4,000,000 | 8,000,000 | 0 | 3,000,000 | 3,000,000 | 4,000,000 | 0 | 3,000,000 | 4,000,000 | 4,000,000 | 0 | 3,000,000 | 5,000,000 | 2,000,000 | 0 | 3,000,000 | 3,000,000 | 4,000,000 | 0 | 3,000,000 | 3,000,000 | 4,000,000 | 0 | 3,000,000 | 4,000,000 | 5,000,000 | 0 | 2,000,000 | 4,000,000 | 4,000,000 | 0 | 4,000,000 | 6,000,000 | 4,000,000 | 0 | 4,000,000 | 3,000,000 | 4,000,000 | 0 | 4,000,000 | 4,000,000 | 99,000,000 | 0 | 108,000,000 | 93,000,000 | 91,000,000 | 0 | 90,000,000 | 87,000,000 | 88,000,000 | 0 | 83,000,000 | 79,000,000 | 80,000,000 | 0 | 0 | 72,000,000 | 67,000,000 | 0 | 63,000,000 | 67,000,000 | 62,000,000 | 0 | 32,000,000 | 57,000,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| gross profit | 3,348,000,000 | 1,806,000,000 | 2,598,000,000 | 2,236,000,000 | 3,091,000,000 | 1,404,000,000 | 815,000,000 | 1,211,000,000 | 3,323,000,000 | 1,780,000,000 | 2,290,000,000 | 2,223,000,000 | 2,694,000,000 | 2,222,000,000 | 2,709,000,000 | -104,000,000 | 2,152,000,000 | 1,695,000,000 | 1,909,000,000 | 2,151,000,000 | 5,391,000,000 | 1,912,000,000 | 1,555,000,000 | 1,220,000,000 | 5,719,000,000 | 1,409,000,000 | 1,382,000,000 | 1,519,000,000 | 5,437,000,000 | 1,399,000,000 | 1,366,000,000 | 1,362,000,000 | 1,263,000,000 | 1,275,000,000 | 1,313,000,000 | 1,281,000,000 | 4,931,000,000 | 1,277,000,000 | 1,211,000,000 | 1,185,000,000 | 1,172,000,000 | 1,149,000,000 | 1,100,000,000 | 1,098,000,000 | 1,070,000,000 | 1,033,000,000 | 1,016,000,000 | 982,000,000 | 3,790,000,000 | 940,000,000 | 969,000,000 | 925,000,000 | 936,000,000 | 1,067,000,000 | 875,000,000 | 883,000,000 | 1,133,000,000 | 1,003,000,000 | 870,000,000 | 791,000,000 | 1,018,000,000 | 1,078,000,000 | 824,000,000 | 613,000,000 | 976,000,000 | 892,000,000 | 1,183,000,000 | 943,000,000 | 994,000,000 | 884,000,000 | 902,000,000 | 1,527,000,000 | 966,000,000 | 944,000,000 | 868,000,000 | 849,000,000 | 942,000,000 | 816,000,000 | 856,000,000 | 808,000,000 | 839,000,000 | 804,000,000 | 741,000,000 | 707,000,000 | 2,641,000,000 | 731,000,000 | 703,000,000 | 687,000,000 | 653,858,000 | 643,870,000 | 645,389,000 | 617,882,000 | 581,127,000 | 599,790,000 | 578,807,000 | 571,270,000 | 511,923,000 | 538,300,000 | 541,300,000 | 536,700,000 | 508,389,000 | 514,800,000 | 518,600,000 | 512,600,000 | 482,384,000 | 492,000,000 | 484,200,000 | 483,700,000 | 459,249,000 | 455,700,000 | 442,000,000 | 451,800,000 | 419,251,000 | 416,700,000 | 405,000,000 | 414,700,000 | 372,306,000 | 381,700,000 | 378,800,000 | 379,700,000 | 359,900,000 | 357,500,000 | 371,200,000 | 353,700,000 | 329,100,000 | 330,400,000 | 317,300,000 | 327,500,000 | 289,500,000 | 296,500,000 | 295,600,000 | 279,500,000 | 266,500,000 | 264,100,000 | 258,100,000 | 260,200,000 | 245,400,000 | 248,000,000 | 238,100,000 | 240,500,000 | 231,700,000 | 228,000,000 | 228,800,000 | 227,500,000 | 227,300,000 | 220,000,000 | 225,500,000 | 210,400,000 | 205,000,000 | 203,000,000 | 189,100,000 | 178,700,000 | 165,200,000 | 158,600,000 |
| operating expenses | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| research and development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| sales, general and administrative | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| total operating expenses | 8,000,000 | -1,954,000,000 | -1,941,000,000 | -1,954,000,000 | -5,000,000 | -1,969,000,000 | 5,000,000 | -1,562,000,000 | 6,000,000 | -1,583,000,000 | -1,405,000,000 | -1,442,000,000 | 163,000,000 | -1,595,000,000 | -1,550,000,000 | -1,459,000,000 | 1,668,000,000 | -1,387,000,000 | -1,366,000,000 | -1,271,000,000 | 816,000,000 | -1,280,000,000 | -1,278,000,000 | -1,257,000,000 | 520,000,000 | -1,267,000,000 | -1,241,000,000 | -1,230,000,000 | 672,000,000 | -1,133,000,000 | -1,187,000,000 | -1,084,000,000 | 652,000,000 | -1,018,000,000 | -1,052,000,000 | -1,094,000,000 | 471,000,000 | -1,005,000,000 | -1,091,000,000 | -1,052,000,000 | 532,000,000 | -954,000,000 | -938,000,000 | -868,000,000 | 279,000,000 | -867,000,000 | -974,000,000 | -856,000,000 | -23,000,000 | -916,000,000 | -1,052,000,000 | -836,000,000 | 311,000,000 | -833,000,000 | -841,000,000 | -784,000,000 | 208,000,000 | -745,000,000 | -906,000,000 | -743,000,000 | -42,000,000 | -708,000,000 | -747,000,000 | -701,000,000 | -731,000,000 | -719,000,000 | -662,000,000 | -659,000,000 | -720,000,000 | -723,000,000 | -714,000,000 | -680,000,000 | -693,000,000 | -780,000,000 | -640,000,000 | -641,000,000 | -660,000,000 | -692,000,000 | -633,000,000 | -599,000,000 | 105,000,000 | -659,000,000 | -626,000,000 | -634,000,000 | 12,000,000 | -632,000,000 | -663,000,000 | -585,000,000 | -606,377,000 | -434,870,000 | -454,389,000 | -510,784,000 | -656,307,000 | -600,428,000 | -472,188,000 | -458,580,000 | -448,207,000 | -461,300,000 | -417,400,000 | -446,800,000 | -446,070,000 | -442,700,000 | -439,600,000 | -390,900,000 | -382,904,000 | -384,500,000 | -379,200,000 | -380,500,000 | -372,726,000 | -392,300,000 | -370,400,000 | -370,800,000 | -485,708,000 | -334,900,000 | -331,100,000 | -327,200,000 | -409,013,000 | -322,000,000 | -300,500,000 | -317,900,000 | -300,000,000 | -300,700,000 | -290,900,000 | -264,700,000 | -286,500,000 | -288,600,000 | -252,100,000 | -261,400,000 | -255,300,000 | -258,100,000 | -238,300,000 | -225,600,000 | -228,700,000 | -233,000,000 | -214,700,000 | -216,400,000 | -212,800,000 | -227,400,000 | -201,700,000 | -206,300,000 | -202,100,000 | -200,000,000 | -192,700,000 | -192,500,000 | -200,700,000 | -195,600,000 | -213,700,000 | -182,400,000 | -186,600,000 | -178,200,000 | -167,400,000 | -160,100,000 | -149,800,000 | -142,200,000 |
| operating income | 1,490,000,000 | -148,000,000 | 664,000,000 | 282,000,000 | 1,300,000,000 | -565,000,000 | -1,028,000,000 | -347,000,000 | 1,860,000,000 | 197,000,000 | 885,000,000 | 781,000,000 | 7,353,000,000 | 627,000,000 | 1,159,000,000 | -1,563,000,000 | 6,233,000,000 | 308,000,000 | 543,000,000 | 880,000,000 | 4,575,000,000 | 632,000,000 | 277,000,000 | -37,000,000 | 5,199,000,000 | 142,000,000 | 141,000,000 | 289,000,000 | 4,765,000,000 | 266,000,000 | 179,000,000 | 278,000,000 | 4,477,000,000 | 257,000,000 | 261,000,000 | 187,000,000 | 4,460,000,000 | 272,000,000 | 120,000,000 | 133,000,000 | 3,984,000,000 | 195,000,000 | 162,000,000 | 230,000,000 | 3,818,000,000 | 166,000,000 | 42,000,000 | 126,000,000 | 3,813,000,000 | 24,000,000 | -83,000,000 | 89,000,000 | 3,445,000,000 | 234,000,000 | 34,000,000 | 99,000,000 | 3,675,000,000 | 258,000,000 | -36,000,000 | 48,000,000 | 3,939,000,000 | 370,000,000 | 77,000,000 | -88,000,000 | 266,000,000 | 173,000,000 | 521,000,000 | 284,000,000 | 186,000,000 | 161,000,000 | 188,000,000 | 847,000,000 | 273,000,000 | 164,000,000 | 228,000,000 | 208,000,000 | 282,000,000 | 124,000,000 | 223,000,000 | 209,000,000 | 2,872,000,000 | 145,000,000 | 115,000,000 | 73,000,000 | 2,629,000,000 | 99,000,000 | 40,000,000 | 102,000,000 | 47,481,000 | 209,000,000 | 191,000,000 | 107,098,000 | -75,180,000 | -638,000 | 106,619,000 | 112,690,000 | 63,716,000 | 77,000,000 | 123,900,000 | 89,900,000 | 62,319,000 | 72,100,000 | 79,000,000 | 121,700,000 | 99,480,000 | 107,500,000 | 105,000,000 | 103,200,000 | 86,523,000 | 63,400,000 | 71,600,000 | 81,000,000 | -66,457,000 | 81,800,000 | 73,900,000 | 87,500,000 | -36,707,000 | 59,700,000 | 78,300,000 | 61,800,000 | 59,900,000 | 56,800,000 | 80,300,000 | 89,000,000 | 42,600,000 | 41,800,000 | 65,200,000 | 66,100,000 | 34,200,000 | 38,400,000 | 57,300,000 | 53,900,000 | 37,800,000 | 31,100,000 | 43,400,000 | 43,800,000 | 32,600,000 | 20,600,000 | 36,400,000 | 34,200,000 | 29,600,000 | 28,000,000 | 36,100,000 | 35,000,000 | 26,600,000 | 24,400,000 | 11,800,000 | 28,000,000 | 18,400,000 | 24,800,000 | 21,700,000 | 18,600,000 | 15,400,000 | 16,400,000 |
| net income | 1,183,000,000 | -99,000,000 | 534,000,000 | 225,000,000 | 1,013,000,000 | -418,000,000 | -808,000,000 | -273,000,000 | 1,470,000,000 | 153,000,000 | 703,000,000 | 620,000,000 | 1,049,000,000 | 484,000,000 | 909,000,000 | -1,226,000,000 | 626,000,000 | 248,000,000 | 428,000,000 | 695,000,000 | -452,000,000 | 553,000,000 | 217,000,000 | -31,000,000 | 642,000,000 | 102,000,000 | 100,000,000 | 201,000,000 | 100,000,000 | 180,000,000 | 123,000,000 | 188,000,000 | 156,000,000 | 174,000,000 | 176,000,000 | 128,000,000 | 167,000,000 | 183,000,000 | 84,000,000 | 91,000,000 | 122,000,000 | 131,000,000 | 110,000,000 | 154,000,000 | 192,000,000 | 111,000,000 | 32,000,000 | 86,000,000 | 134,000,000 | 19,000,000 | -49,000,000 | 62,000,000 | 126,000,000 | 156,000,000 | 27,000,000 | 68,000,000 | 245,000,000 | 171,000,000 | -19,000,000 | 35,000,000 | 161,000,000 | 247,000,000 | 63,000,000 | -42,000,000 | 186,000,000 | 124,000,000 | 351,000,000 | 194,000,000 | 130,000,000 | 115,000,000 | 132,000,000 | 552,000,000 | 183,000,000 | 117,000,000 | 158,000,000 | 144,000,000 | 192,000,000 | 90,000,000 | 155,000,000 | 146,000,000 | 129,000,000 | 104,000,000 | 84,000,000 | 57,000,000 | 56,000,000 | 72,000,000 | 35,000,000 | 75,000,000 | 35,679,000 | 35,741,000 | 48,967,000 | 72,613,000 | -41,269,000 | 5,577,000 | 74,694,000 | 79,363,000 | 46,922,000 | 57,000,000 | 86,200,000 | 64,500,000 | 45,667,000 | 52,900,000 | 58,800,000 | 84,200,000 | 72,475,000 | 77,000,000 | 75,800,000 | 74,000,000 | 62,960,000 | 46,900,000 | 54,400,000 | 59,400,000 | 50,350,000 | 58,600,000 | 55,100,000 | 63,200,000 | 46,130,000 | 47,600,000 | 59,100,000 | 48,500,000 | 47,100,000 | 35,800,000 | 62,100,000 | 71,000,000 | 35,500,000 | 34,300,000 | 50,200,000 | 51,300,000 | 29,900,000 | 30,000,000 | 44,000,000 | 42,400,000 | 31,300,000 | 27,700,000 | 34,700,000 | 35,300,000 | 27,400,000 | 18,600,000 | 29,400,000 | 34,200,000 | 29,600,000 | 28,000,000 | 36,100,000 | 35,000,000 | 26,600,000 | 24,400,000 | 11,800,000 | 28,000,000 | 18,400,000 | 24,800,000 | 21,700,000 | 18,600,000 | 15,400,000 | 16,400,000 |
We provide you with 20 years income statements for Cincinnati Financial stock, allowing you to gain comprehensive visibility into the fundamentals of the company. Our detailed breakdowns include key financial metrics such as earnings, sales and marketing expenses, research and development costs, profits, and profit margins. This in-depth information is essential for making informed investment decisions and understanding the financial health and performance of Cincinnati Financial stock. Explore the full financial landscape of Cincinnati Financial stock with our expertly curated income statements.
The information provided in this report about Cincinnati Financial stock is taken from www.sec.gov and many other data providers. While we have conducted our best efforts to ensure that the parsed data is accurate, we cannot guarantee its accuracy. Please use caution and understand that any consequences of its use are your own responsibility.