• Forums
  • Best Betting Sites
  • Sportsbook Promos
  • Best Sports Betting Apps
  • NFL Betting Forum
  • NBA Betting Forum
  • MLB Betting Forum
  • NHL Betting Forum
  • NCAAF Betting Forum
  • NCAAB Betting Forum
  • Soccer Betting Forum
  • Tennis Betting Forum
  • General Discussion
  • Help Forum
  • Guidelines
  • FAQ
  • Forum Updates
    Covers Logo
    Covers App
    Faster picks. Smarter bets.
    All in the NEW Covers App
    Download on the App Store Download on the Google Play Store
    • Sports
      • NFL
        • Back
        • NFL
        • NFL Home
        • Scores & Matchups
        • Prop Projections
        • NFL Picks
        • NFL Prediction Prices
        • Weather
        • Injuries
      • NCAAF
        • Back
        • NCAAF
        • NCAAF Home
        • Scores & Matchups
        • Prop Projections
        • NCAAF Picks
        • Weather
        • Injuries
      • NBA
        • Back
        • NBA
        • NBA Home
        • Scores & Matchups
        • Prop Projections
        • NBA Picks
        • Injuries
      • NCAAB
        • Back
        • NCAAB
        • NCAAB Home
        • Scores & Matchups
        • NCAAB Picks
        • Injuries
      • MLB
        • Back
        • MLB
        • MLB Home
        • Scores & Matchups
        • Prop Projections
        • MLB Picks
        • Weather
        • Injuries
      • NHL
        • Back
        • NHL
        • NHL Home
        • Scores & Matchups
        • Prop Projections
        • NHL Picks
        • Injuries
      • Soccer
      • UFC
        • Back
        • UFC
        • Odds
        • Picks
        • News & Analysis
      • WNBA
        • Back
        • WNBA
        • WNBA Home
        • Scores & Matchups
        • WNBA Picks
        • Injuries
      • CFL
        • Back
        • CFL
        • CFL Home
        • Scores & Matchups
        • CFL Picks
      • Golf
        • Back
        • Golf
        • Golf Home
        • Golf Odds
        • Masters Odds
        • PGA Championship Odds
        • US Open Odds
        • British Open Odds
        • Ryder Cup Odds
        • Golf Picks
    • Odds
      • All Odds
      • NFL
      • NCAAF
      • NBA
      • NCAAB
      • MLB
      • NHL
      • Golf
      • Soccer Odds
        • Back
        • Soccer Odds
        • MLS Odds
        • Champions League Odds
        • Premier League Odds
      • UFC
      • WNBA
      • CFL
      • Election Odds
      • Futures
        • Back
        • Futures
        • NFL
        • NBA
        • MLB
        • NHL
        • NCAAB
        • NCAAF
      • Sports Odds History
      • Politics
        • Back
        • Politics
        • Politics Home
        • Presidential Election Odds
        • Midterm Election Odds
        • House Midterm Odds
        • Senate Midterm Odds
        • Texas Midterm Odds
        • Michigan Midterm Odds
    • Picks
      • All Picks
      • NFL
      • NBA
      • NHL
      • MLB
      • NCAAF
      • NCAAB
      • UFC
      • Golf
      • WNBA
      • CFL
      • User Picks
      • Team User Picks
      • Consensus Picks
        • Back
        • Consensus Picks
        • All Consensus Picks
        • NFL
        • NBA
        • NHL
        • MLB
        • NCAAF
        • NCAAB
        • CFL
        • WNBA
        • Consensus FAQ
        • Public Money
    • Prop Projections
      • NFL
      • NBA
      • MLB
      • NHL
    • Betting
      • US Betting Sites
      • Canada Betting Sites
      • Sportsbook Reviews
      • States
        • Back
        • States
        • US Legal Tracker
        • Revenue Tracker
        • Arizona
        • Arkansas
        • California
        • Colorado
        • Connecticut
        • DC
        • Florida
        • Georgia
        • Illinois
        • Indiana
        • Iowa
        • Kansas
        • Kentucky
        • Louisiana
        • Maine
        • Maryland
        • Massachusetts
        • Michigan
        • Mississippi
        • Missouri
        • Nevada
        • New Hampshire
        • New Jersey
        • New York
        • North Carolina
        • Ohio
        • Oregon
        • Pennsylvania
        • Tennessee
        • Texas
        • Vermont
        • Virginia
        • West Virginia
        • Wyoming
      • Provinces
        • Back
        • Provinces
        • Alberta
        • British Columbia
        • Manitoba
        • New Brunswick
        • Newfoundland and Labrador
        • Northwest Territories
        • Nova Scotia
        • Nunavut
        • Ontario
        • Prince Edward Island
        • Quebec (English)
        • Quebec (francais)
        • Saskatchewan
        • Yukon
      • By Sport
        • Back
        • By Sport
        • Baseball
        • Basketball
        • Boxing
        • College Football
        • F1
        • Football
        • Super Bowl
        • Golf
        • Hockey
        • Horse Racing
        • March Madness
        • Soccer
        • UFC
        • World Cup
      • Betting Apps
        • Back
        • Betting Apps
        • Best Sports Betting Apps USA
        • Ontario Sports Betting Apps
      • Rest of World
        • Back
        • Rest of World
        • UK Betting Offers
          • Back
          • UK Betting Offers
          • UK Betting Sites
          • bet365 Bonus Code UK
          • 888Sport Promo Code UK
          • William Hill Sign up Offer
          • Betway Sign up Offer
          • BetVictor Bonus Code UK
      • Betting Guides
        • Back
        • Betting Guides
        • All Guides
        • Glossary
        • Betting Calculators
          • Back
          • Betting Calculators
          • Odds Converter
          • Parlay Calculator
        • Futures Betting Guide
        • Moneyline Betting Guide
        • Over/Under Betting Guide
        • Parlay Betting Guide
        • Point Spread Betting Guide
        • Prop Betting Guide
        • Sports Betting Guides
          • Back
          • Sports Betting Guides
          • How To Bet On Sports Guide
          • NFL Betting Guide
          • NHL Betting Guide
          • NBA Betting Guide
          • MLB Betting Guide
          • NCAAB Betting Guide
          • NCAAF Betting Guide
          • Golf Betting Guide
          • Tennis Betting Guide
        • Teaser Betting Guide
      • Betting News
        • Back
        • Betting News
        • All News
        • Industry News
        • Podcasts
        • Covers Videos
        • Covers Writers
        • Offers & Boosts
    • Promos
      • Sportsbook Promos
      • Canada Sportsbook Promos
      • Bonuses By Sportsbook
        • Back
        • Bonuses By Sportsbook
        • bet365 Bonus Code
        • BET99 Promo Code
        • BetMGM Bonus Code
        • BetRivers Bonus Code
        • Caesars Sportsbook Promo
        • DraftKings Promo Code
        • Fanatics Sportsbook Promo
        • FanDuel Promo Code
        • Hard Rock Bet Promo Code
        • Sports Interaction Promo
        • Stake Promo Code
        • theScore Bet Promo Code
        • TonyBet Promo Code
      • Bonuses By Region
        • Back
        • Bonuses By Region
        • Arkansas Promos
        • Arizona Promos
        • Colorado Promos
        • Connecticut Promos
        • DC Promos
        • Illinois Promos
        • Indiana Promos
        • Iowa Promos
        • Kansas Promos
        • Kentucky Promos
        • Louisiana Promos
        • Maine Promos
        • Maryland Promos
        • Massachusetts Promos
        • Michigan Promos
        • Missouri Promos
        • New Jersey Promos
        • New York Promos
        • North Carolina Promos
        • Ohio Promos
        • Pennsylvania Promos
        • Tennessee Promos
        • Vermont Promos
        • Virginia Promos
        • West Virginia Promos
        • Wyoming Promos
    • Forum & Contests
      • All Forums
      • NFL Betting Forum
      • MLB Betting Forum
      • NCAAB Betting Forum
      • NCAAF Betting Forum
      • NBA Betting Forum
      • NHL Betting Forum
      • Soccer Betting Forum
      • Contests
        • Back
        • Contests
        • Contests Home
        • Streak Survivor
        • King of Covers
        • My Contests
    • Casino
      • Sweepstakes Casino
        • Back
        • Sweepstakes Casino
        • Sweepstakes Casino
        • Sweepstakes No-Deposit Bonuses
        • Sweepstakes Promos
          • Back
          • Sweepstakes Promos
          • Crown Coins Promo Code
          • FreeSpin Casino Promo Code
          • Jackpota Promo Code
          • LoneStar Promo Code
          • McLuck Promo Code
          • NoLimitCoins Promo Code
          • Rainbet.us Promo Code
          • RealPrize Promo Code
          • Splash Coins Promo Code
          • Stake.us Promo Code
      • US Casinos
        • Back
        • US Casinos
        • US Online Casinos
        • US Online Casino Bonuses
        • Casino Promos
          • Back
          • Casino Promos
          • bet365 Casino Promo Code
          • BetMGM Casino Promo Code
          • BetRivers Casino Promo
          • Borgata Casino Bonus Code
          • Caesars Casino Bonus Code
          • DraftKings Casino Promo
          • Fanatics Casino Promo
          • FanDuel Casino Promo Code
          • Golden Nugget Casino Promo
          • Hard Rock Bet Casino Promo
          • Hollywood Casino Promo Code
      • Canada Casinos
        • Back
        • Canada Casinos
        • Canada Online Casinos
        • Provinces
          • Back
          • Provinces
          • Alberta Online Casino
          • BC Online Casino
          • Ontario Online Casinos
        • Casino Promos
          • Back
          • Casino Promos
          • 7Bit Promo Code
          • BC.GAME Bonus Code
          • BitStarz Promo Code
          • Jack Casino Promo Code
          • JackpotCity Promo Code
          • Rainbet Promo Code
          • Roobet Promo Code
          • Shuffle Promo Code
          • Spin Casino Promo Code
          • TonyBet Casino Bonus Code
    • Prediction Markets
      • Prediction Markets
      • Prediction Market Apps
      • Prediction Market Promos
      • Kalshi Promo Code
      • Kalshi Referral Code
      • Polymarket Promo Code
      • Polymarket Referral Code
      • FanDuel Predicts Promo Code
      • Gemini Predictions Promo Code
      • Novig Promo Code
      • Underdog Promo Code
      • ProphetX Promo Code
      • OG Promo Code
      • Plus500 Promo Code
      • Betr Promo Code
      • DraftKings Predictions Promo Code
      • Fanatics Markets Promo Code
    • NFL Week 10
      NFL Week 10
      • NFL Odds
      • NFL Picks
      • Commanders-Giants Picks
      • Week 10 Survivor Picks
      • NFL Prediction Markets
      • NFL Betting Sites
    Covers Account
    Log in Create account
    Join free Log in
    All Forums | Gaming Industry - US

    5dimes debit card

    chuckdaduck
    SportsFan9698
    joanne12
    LRM704
    GOPHERNATION12
    ...
    Participants:
    Search
    Views: 6032
    Posts: 10
     
    chuckdaduck
    chuckdaduck
    Captain
    Participation Meter
    Joined: Jan, 2009
    Posts: 8330
    Posted: Jun. 4, 2012 - 11:25 AM ET #1

    has anybody got this method of withdraw they say the funds are attach to my debit card, i don't get it??
    Reply
    To remove first post, remove entire topic.
    has anybody got this method of withdraw they say the funds are attach to my debit card, i don't get it??
     
    SportsFan9698
    SportsFan9698
    Banned
    Participation Meter
    Joined: May, 2010
    Posts: 5575
    Posted: Jun. 4, 2012 - 1:03 PM ET #2


    Pam: Hello. How may I assist you today?
    Me: I heard on a message board that 5dimes has a "debit card" method if taking cash out of my account...
    Me: is this true?
    Pam: You can use the debit card option if this is not your first payout
    Me: How does that work? is it a debit card issued by 5dimes?
    Me: or do you credit my bank debit card?
    Pam: no sir, in this case if you own a VISA debit card that is connected to a bank account. We can process a withdrawl to your debit card
    Me: OK thanks for the explanation... fees? how often and max?
    Pam: You can request ifrom $100 till $2500 and the fees are:
    Pam: 100 to 500 is $15
    Pam: 501 to 1000 is $25
    Pam: 1001 to 2500 is $40
    Pam: Usually the process takes 5 bussiness days, after the money is in your debit card you can request another payout.
    Me: OK thank you!
    Reply

    Pam: Hello. How may I assist you today?
    Me: I heard on a message board that 5dimes has a "debit card" method if taking cash out of my account...
    Me: is this true?
    Pam: You can use the debit card option if this is not your first payout
    Me: How does that work? is it a debit card issued by 5dimes?
    Me: or do you credit my bank debit card?
    Pam: no sir, in this case if you own a VISA debit card that is connected to a bank account. We can process a withdrawl to your debit card
    Me: OK thanks for the explanation... fees? how often and max?
    Pam: You can request ifrom $100 till $2500 and the fees are:
    Pam: 100 to 500 is $15
    Pam: 501 to 1000 is $25
    Pam: 1001 to 2500 is $40
    Pam: Usually the process takes 5 bussiness days, after the money is in your debit card you can request another payout.
    Me: OK thank you!
     
    chuckdaduck
    chuckdaduck
    Captain
    Participation Meter
    Joined: Jan, 2009
    Posts: 8330
    Posted: Jun. 4, 2012 - 2:24 PM ET #3

    yeah i just don't understand how the money gets credit to ur debit card,  is it like a bank wire just thru ur bank card and the money is deposited into ur checking account,  i will prob end up trying it i just don't understand how it works and don't want my bank to not let it go thru
    Reply
    yeah i just don't understand how the money gets credit to ur debit card,  is it like a bank wire just thru ur bank card and the money is deposited into ur checking account,  i will prob end up trying it i just don't understand how it works and don't want my bank to not let it go thru
     
    chuckdaduck
    chuckdaduck
    Captain
    Participation Meter
    Joined: Jan, 2009
    Posts: 8330
    Posted: Jun. 4, 2012 - 2:24 PM ET #4

    How to withdraw funds from your 5Dimes account through Debit Card Funds Application
    Debit Card Funds Application (DCFA) withdrawals are processed Mondays through Thursdays from 9:00 AM ET to 1:00 PM ET to cards issued by banking entities and attached to a bank account ONLY (the use of prepaid cards, reloadable cards, credit cards, gift cards or any other type of card that is not exactly a debit card is not allowed).  This payment option is available to customers worldwide that have received at least one payment from 5Dimes through other methods.  Funds Application payouts are sent in US Dollars, you must check currency exchange rates with your debit card issuer.  Some banking entities are unable to receive DCFA transactions, contact Customer Support via Live Help or call 1-800-430-5896 for further information.

    The minimum withdrawal amount sent to a Debit Card is $100.  The maximum amount is $2500.  Debit Card Funds Application take 3-5 business days to be credited to your card after they are processed by our merchant.  Payouts are processed to MasterCard or Visa Debit cards of the 5Dimes account holders ONLY.  You can have one DCFA payout processed every 48 hours (another payment cannot be sent until prior debit card funds applications are confirmed received).

    In order to process a Debit Card Funds Application payout you need to reply to a confirmation email sent by our Customer Service Staff.  Make sure you respond to the email with accurate information as returned transactions due to delivery impossibilities caused by incorrect or incomplete card information will incur a $40 fee and may ban your account from this payout method.

    Note: 5Dimes holds no liability for funds sent to cards that do not fulfill the exact requirements above stated.  5Dimes cannot be held liable for funds frozen by a financial entity after released by our processor; once funds are sent they are considered gone and will not be refunded under any circumstance.  Frozen funds or any other type of complication with your card due to data mismatches or due to the attempt to use prepaid cards, reloadable cards, credit cards, gift cards or any other type of card that is not EXACTLY a debit card associated to a bank account under your name, will not be 5Dimes responsibility and assistance on this matter cannot be provided.
    Fees associated with Debit Card Funds Application
    Debit Card Funds Application payouts have an escalated fee:

    $15 for $100 up to $500
    $25 for $501 up to $1000
    $40 for $1001 up to $2500

    Remember, Debit Card Funds Application redemption requests processed on Mondays between 9:00AM and 1:00PM ET may qualify to be sent free of charge if no payouts have been processed in your account during the past 30 days.  If you have received a withdrawal from 5Dimes in the past 30 days you are NOT eligible for a free withdrawal.  You are allowed ONE free withdrawal every 30 days only.  If you wish to wait 30 days and until a Monday to have your redemption processed for free, you must contact Customer Service at the time of your request via Live Help.  You may also call 1-800-430-5896.  Any payout request that does not qualify to be sent for free will be processed having the corresponding fees applied without exceptions.
    For more assistance on Debit Card Funds Application payouts, please contact our Customer Service Staff via Live Help or call 1-800-430-5896.

    Reply
    How to withdraw funds from your 5Dimes account through Debit Card Funds Application
    Debit Card Funds Application (DCFA) withdrawals are processed Mondays through Thursdays from 9:00 AM ET to 1:00 PM ET to cards issued by banking entities and attached to a bank account ONLY (the use of prepaid cards, reloadable cards, credit cards, gift cards or any other type of card that is not exactly a debit card is not allowed).  This payment option is available to customers worldwide that have received at least one payment from 5Dimes through other methods.  Funds Application payouts are sent in US Dollars, you must check currency exchange rates with your debit card issuer.  Some banking entities are unable to receive DCFA transactions, contact Customer Support via Live Help or call 1-800-430-5896 for further information.

    The minimum withdrawal amount sent to a Debit Card is $100.  The maximum amount is $2500.  Debit Card Funds Application take 3-5 business days to be credited to your card after they are processed by our merchant.  Payouts are processed to MasterCard or Visa Debit cards of the 5Dimes account holders ONLY.  You can have one DCFA payout processed every 48 hours (another payment cannot be sent until prior debit card funds applications are confirmed received).

    In order to process a Debit Card Funds Application payout you need to reply to a confirmation email sent by our Customer Service Staff.  Make sure you respond to the email with accurate information as returned transactions due to delivery impossibilities caused by incorrect or incomplete card information will incur a $40 fee and may ban your account from this payout method.

    Note: 5Dimes holds no liability for funds sent to cards that do not fulfill the exact requirements above stated.  5Dimes cannot be held liable for funds frozen by a financial entity after released by our processor; once funds are sent they are considered gone and will not be refunded under any circumstance.  Frozen funds or any other type of complication with your card due to data mismatches or due to the attempt to use prepaid cards, reloadable cards, credit cards, gift cards or any other type of card that is not EXACTLY a debit card associated to a bank account under your name, will not be 5Dimes responsibility and assistance on this matter cannot be provided.
    Fees associated with Debit Card Funds Application
    Debit Card Funds Application payouts have an escalated fee:

    $15 for $100 up to $500
    $25 for $501 up to $1000
    $40 for $1001 up to $2500

    Remember, Debit Card Funds Application redemption requests processed on Mondays between 9:00AM and 1:00PM ET may qualify to be sent free of charge if no payouts have been processed in your account during the past 30 days.  If you have received a withdrawal from 5Dimes in the past 30 days you are NOT eligible for a free withdrawal.  You are allowed ONE free withdrawal every 30 days only.  If you wish to wait 30 days and until a Monday to have your redemption processed for free, you must contact Customer Service at the time of your request via Live Help.  You may also call 1-800-430-5896.  Any payout request that does not qualify to be sent for free will be processed having the corresponding fees applied without exceptions.
    For more assistance on Debit Card Funds Application payouts, please contact our Customer Service Staff via Live Help or call 1-800-430-5896.

     
    chuckdaduck
    chuckdaduck
    Captain
    Participation Meter
    Joined: Jan, 2009
    Posts: 8330
    Posted: Jun. 4, 2012 - 2:26 PM ET #5

    also i have a check card so it can be used as debit or credit, i'm j ust afraid i do it and it doesn't go thru and it doesn't go thru and i lose out on the money
    Reply
    also i have a check card so it can be used as debit or credit, i'm j ust afraid i do it and it doesn't go thru and it doesn't go thru and i lose out on the money
     
    joanne12
    joanne12
    Veteran
    Participation Meter
    Joined: Jul, 2007
    Posts: 1359
    Posted: Jun. 4, 2012 - 3:01 PM ET #6

    look at these idiots posting sensitive bank and book info,unreal
    Reply
    look at these idiots posting sensitive bank and book info,unreal
     
    LRM704
    LRM704
    All-Star
    Participation Meter
    Joined: Jul, 2002
    Posts: 11550
    Posted: Jun. 4, 2012 - 3:35 PM ET #7

    I agree with Joanne here.  MORONS
    Reply
    I agree with Joanne here.  MORONS
     
    chuckdaduck
    chuckdaduck
    Captain
    Participation Meter
    Joined: Jan, 2009
    Posts: 8330
    Posted: Jun. 4, 2012 - 7:59 PM ET #8

    i didn't post anything that isn't public knowledge it came from the 5dimes site it's avaliable to anyone, ur the morons
    Reply
    i didn't post anything that isn't public knowledge it came from the 5dimes site it's avaliable to anyone, ur the morons
     
    GOPHERNATION12
    GOPHERNATION12
    Veteran
    Participation Meter
    Joined: Sep, 2010
    Posts: 3353
    Posted: Jun. 5, 2012 - 2:18 AM ET #9

    It still is a ach credit to your account and I bet they start getting lost, delayed, and just plain disappear. Pay the fee for MG or WU and hope you get your money. 
    Reply
    It still is a ach credit to your account and I bet they start getting lost, delayed, and just plain disappear. Pay the fee for MG or WU and hope you get your money. 
     
     
    cjaklich
    cjaklich
    Prospect
    Participation Meter
    Joined: May, 2012
    Posts: 7
    Posted: Jun. 5, 2012 - 11:53 PM ET #10

    the debit card method is great!  I have taken 2 of these out the last 2 weeks and the funds are in my bank account within 3 days.  It is exactly the same as ACH.  I highly recommend.
    Reply
    the debit card method is great!  I have taken 2 of these out the last 2 weeks and the funds are in my bank account within 3 days.  It is exactly the same as ACH.  I highly recommend.
    All Forums | Gaming Industry - US

    Hot Forums IconHot Forum Topics

    • Tuesday 11/10/2026 353
    • BEAT Your book 127,560
    • 🏈🏈🏈 Fubah2's risky CFB bets 300,744
    • I'm embarrassed for Trump supporters 63,592
    • $$ALL IN ( 2x5uNIT=1-O,5UnitUNDER=4-2,5Unit over=1-O,5Unit ATS=2-O,2Unit=4-o_ =+ 43 Units 5,886
    • Florida Man Tuesday 4,337
    • *EdgeHunter Ohio VS Miami Ohio - NEW WEEK, NEW MONEY!* 2,992
    • Bags Tuesday LARGE **Michigan State vs Duke** 2,372
    • Trump's legacy? 37,170
    • PART DEUX 79

    Warning - External Link

    Report User

    Thank you for reporting
    This content is abusive or harmful
    This post is spam
    An error has occurred
    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    Delete Post

    Are you sure you would like to remove this post?

    Remove Thread

    Are you sure you would like to remove this thread?

    Scan Results

    Login/Register

    Happy to have you join the conversation. To do so, please login or create an account.
    Accounts are free and easy to create.

    Search


    Loading…

    Loading…

    About Us
    Contact Us
    Careers
    Our Team
    Brand
    Testimonials
    Betting Guides
    Sportsbook Reviews
    Betting News
    Podcasts
    Responsible Gambling
    Betting Sites
    US Betting Sites
    Canada Betting Sites
    Canada Casinos
    Best Betting Apps
    Contests
    Streak Survivor
    King of Covers
    Office Pools
    The Covers community has
    810,221
    lifetime members worldwide
    Join our community today
    Covers 30 Years Logo Established in 1995,
    Covers is the world
    leader in sports
    betting information.
    21+
    Gambling problem? Call 1-800-GAMBLER
    Help Privacy Privacy Choices Terms of Service Cookies Sitemap Forum
    YouTube logo
    Facebook logo
    Twitter logo
    Instagram logo
    LinkedIn logo
    Google News logo
    Covers is verified safe by:
    Evalon Logo Logo GPWA Logo GDPR logo Logo GeoTrust logo Logo
    Covers Logo
    Copyright © 1995 - 2026 Genius Sports. All Rights Reserved.
    If you choose to make use of any information on this website including online sports betting services from any websites that may be featured on this website, we strongly recommend that you carefully check your local laws before doing so.It is your sole responsibility to understand your local laws and observe them strictly.Covers does not provide any advice or guidance as to the legality of online sports betting or other online gambling activities within your jurisdiction and you are responsible for complying with laws that are applicable to you in your relevant locality.Covers disclaims all liability associated with your use of this website and use of any information contained on it.As a condition of using this website, you agree to hold the owner of this website harmless from any claims arising from your use of any services on any third party website that may be featured by Covers.