PUMA: Performance and Sport-inspired Lifestyle Products

More than just being quick, PUMA aims to achieve one thing: to be the Fastest Sports Brand in the World. As a world-renowned sports brand, PUMA has been creating, developing and designing quality sports apparel, men bags and footwear for all kinds of sports, from football to motorsport and golf, for over seven decades.

The Brand Story of PUMA

In Germany, PUMA was founded in 1919 as the “Gebrüder Dassler Schuhfabrik” (Dassler Brothers Shoe Factory). The brand pivoted its international breakthrough during Amsterdam’s 1928 Olympic Summer Games, where most German athletes wear Dassler spikes. In 1948 “PUMA” was officially registered at the German Patent and Trademark Office.


PUMA Sports Apparel and Equipment

PUMA apparel is designed for both functionality and leisure — it is suitable for all sports, from football to running. You can also style it as leisurewear and go about your day in comfortable sports apparel because sport is a lifestyle. Discover a variety of sportswear for all ages at PUMA.

PUMA’s Business Philosophy

PUMA views sustainability in the same way they consider sports — it’s about figuring out and improving weaknesses to reach common goals. PUMA strives to create change through fashion and sportswear by improving social and environmental areas where they have the most significant impact, including Plastic & Oceans, Circularity, Biodiversity and more.

PUMA: Culture of Firsts

PUMA thrives on the culture of being first and delivering performance innovations to push athletes to greater heights. In 1968, the Brush Spike that featured Velcro™ on performance footwear was designed for the first time. The tiny rows of spikes on the shoes helped athletes maximise traction and minimised resistance, which worked well for athletes at the 1968 Olympic Trials.

PUMA #Reform

PUMA does not tolerate racism, bigotry, or police brutality and is committed to using its platform to push for change — this is why PUMA established #REFORM to stand up against social injustice. PUMA men bags makes an effort to amplify all Black voices within the workplace and made donations to support organisations and initiatives for the Black Lives Matter movement.

Providing Electronic Solutions to The Facultative Coinsurance Company

CAB’s Background Historical past

Created in 1995, the Central Administration Bureau (CAB) deals with centralised online-based solutions directed at eradicating reconciliation difficulties and producing stable settlements better for facultative reinsurance and coinsurance approach. In 2020, CAB recognized its 25th anniversary. Its office is located in Damansara Levels, monitored by the Malaysian Reinsurance Berhad.

CAB’s Corporate and business Structure

CAB’s Table is presided by way of a Chairman, with table members comprised of a PIAM consultant, a permanent Malaysian Re member and four supervisory board participants —managing greater than 70 local and offshore insurance policy industry stakeholders. For interior functions, the Assistant (Bureau Administrator) oversees the CAB Operation Crew. Simultaneously, a surgical procedure Head leads both the Financial System plus its Unit.

CAB’s Online-Based Programs

The insurance plan business usually operations payments based on the range object reconciliation approach, which is efforts and labour-intense. Responding to this circumstance, CABFAC and CABCO electronic online-centred systems are begun by the CAB to get rid of reconciliation concerns, quicken the arrangement of balances and statements healing for your facultative reinsurance and coinsurance industry.

How CABFAC Advantages Reinsurance

CAB’s Facultative Reinsurance Product is the first computerized online-structured system in Asia to administer facultative reinsurance purchases. The machine has four units, the underwriting module, state module, provide unit and revealing unit. In facultative reinsurance, main insurance companies purchase insurance to pay for enterprise hazards to make certain solvency and security within the experience of any activities.

Being familiar with Coinsurance

Coinsurance is a form of insurance coverage offered by a variety of insurance providers for anyone consumer or organization. Modelling the CABFAC system’s achievement, people in Persatuan Insurans Am Malaysia (PIAM) designed a digital CAB Coinsurance Process (CABCO) for productive state settlements and dealings. The CABCO system incorporates a declare module, reporting module and underwriting element.

Become a Participant, Improve your Enterprise

The CABFAC simplifies resolution for facultative reinsurance and coinsurance operations through obvious guidelines and processes, providing unlimited users with an accessibility portal. Insurance and takaful operators spend a 1-off becoming a member of fee of MYR41,465 along with a once-a-year payment of MYR 7,195 with .2Percent of levy charges, while brokerages pay MYR1,500 annually MYR50 regular monthly.

Who the Advantages of CAB Professional services?

Apply for a CAB membership to savour an online-dependent program that offers smooth features for facultative reinsurance & co-insurance plan. CAB is currently providing over 70 insurance companies & reinsurers, takaful & retakaful operators, broker agents and offshore reinsurers & broker agents, which include recognized table participants including AIG Malaysia, Kuwait Re, and Takaful Ikhlas.

Join to become a CAB Member

Over the past 25 years, Central Administration Bureau provides its people with digital online-based solutions to further improve performance in reinsurance and retakaful purchases, an alternative for substantial concerns experienced with the industry— labour-intense and time-ingesting facultative management. CAB is over pursuing to foster assurance inside the facultative reinsurance and coinsurance market through digitised professional services.

Perodua: Building Cars For Malaysians

About Perodua

Perusahaan Otomobil Kedua Sendirian Berhad, or higher popularly known as Perodua, is a popular Malaysian car organization. At first renowned for producing compact cars, minicars and superminis, Perodua is now one of many biggest suppliers in the nation. Aside from developing various auto types for Malaysians, Perodua is also one of the most desired auto brand names.

Perodua’s Beginnings

Perodua started functioning in 1993 and launched its initially auto, the Perodua Kancil, in 1994. Now, Perodua has various automobiles to cater to numerous Malaysians. Nonetheless, among all the sedans and MPVs, folks favoured their Axia and Myvi the most since they became Malaysia’s most marketed vehicle types. From 2006 to 2013, the Myvi was the ideal marketing automobile in Malaysia.

The loved Myvi

The initial Myvi product was released in May 2005. This lightweight auto was included with a modern appearance and innovative technology. The fresh design, style, and functional area add much worth to the car. Perodua Myvi also backed numerous security features. On account of this, it grew to be the fast most liked among Malaysians.


Axia, The Most Affordable Vehicle

While the Perodua Axia was only released in 2014, it quickly became a favourite choice for reasonably priced cars. Besides its low price, the Axia also has superb gas usage and low-level noise creation with all the EEV engines. Those who own the Axia will enjoy its exterior and interior decorating and can count on a relaxing journey from it.

The Sporty Perodua Aruz

Perodua’s new SUV is a seven-seater motor vehicle that uses an athletic yet classy seem. Perodua Aruz is made with the EEV generator, so gas usage is practical, and travelling turns into a breeze. This dynamic automobile, having its spacious interior and clever engine, elevates the position of Perodua being a producer.

Perodua Alza: The Versatile MPV

Next within its brand of larger cars may be the Perodua Alza, an MPV which prides on its overall flexibility. It could be created in a seven-seater whenever you require more space. Usually, you can preserve it in the normal status, a five-seater. Keeping in mind the street journeys that Malaysians make during festive periods, it is also outfitted using the minimal requirements that make a vacation convenient.

Bezza, Perodua’s First Sedan

Due to Axia’s recognition, the Bezza was released as Perodua’s first sedan vehicle. The car engine is focused on simply being fuel-successful and lightweight, minimising disturbance and vibrations. The car’s classy style and intelligent creation indicate every trip with all the Perodua Bezza is smooth, understandably.

Malaysians’ Affinity For Perodua

Perodua plays a vital function in every Malaysian’s existence. This has been producing autos for many years, permitting us to have a range of motion with fantastic value. For several, their first driving a vehicle knowledge took place in a Kancil. With Myvi’s unarguable reputation, perhaps Malaysians could expect a new federal vehicle from Perodua sometime down the road.

There Is Something For All At Perodua

Perodua will be the automobile manufacturer of choice for Malaysians. Their range of cars, from the Kancil to the Bezza, are quality vehicles with excellent value. Practical experience a Perodua today at a display room! Choose one close to you in this compact car article http://www.perodua.com.my.

MILO®, Malaysians’ Greatest Favourite

About MILO®

Known as Malaysians’ most loved dark chocolate malt beverage company, MILO® hails Nestlé Australia as a consumed powder created to develop energy. Nowadays, MILO cans® are produced in over 24 production facilities worldwide and sold in more than 40 nations; many people like its unique dark chocolate flavours.

MILO® Positive aspects

A provision of MILO® can supply you with the electricity you will need for the everyday regimens. A cupful of MILO® contains 124kcal, which makes up 6% of the power each day. Also, it is rich in milk products like a source of proteins, calcium minerals, minerals and vitamins to advertise successful energy launch.

The Well-known MILO® Powder

MILO® is well-known among Malaysians for its powder ingest. With only a few tablespoons of MILO® natural powder, you can provide MILO® in various ways. Serve your MILO® hot to start daily during breakfast or with ice cubes to get a refreshing drink on a sweltering evening.


MILO® On-the-Go

If you want MILO® right away, you can find utterly ready-to-consume merchandise to save you time. Benefit from the tasty goodness of MILO anywhere you go in lots of exciting flavours that help keep you motivated on the move. You may also get MILO® within a container with MILO® UHT that could complement your diet.

Have Breakfast time With MILO®

MILO® also provides several merchandises that one could get pleasure from for breakfast. Start your entire day with a Nutri Breakfast quick oatmeal, packed with the goodness of oats and also the tasty preference of final banana sections. Also, you can consider MILO® With Wholegrain Cereal to add far more fibre to your diet program.

MILO® Dairy products-Cost-free Option

Buyers of dairy products-free products can still enjoy the rewards and deliciousness of MILO®. MILO® Dairy products Cost-free Almond is less fat and a good source of plant-structured proteins. MILO® Dairy-free is good if you’re lactose intolerant or getting excited about a herb-based diet regime.

Healthful Way of living With MILO®

MILO® always encourages Malaysians to incorporate healthful lifestyles into their lives. MILO® has activities and campaigns for people of various ages to sign up to be far more productive. Some activities include athletics training seminars for youths, outside events, and more.

Why Choose MILO®?

MILO® has been a choice in several Malaysian homes because of its various flavours and dietary beliefs. The brand’s many products may be combined with meals and suit your eating preferences. MILO cans® also strives to help make Malaysia healthier with their campaigns.

Providing You With Peace Of Mind With AIG Malaysia

Be Equipped For Uncertainties With AIG Malaysia

There’s always a risk which we may face doubtful dangers inside our life. Therefore, we should get ourselves protected by purchasing a great insurance plan. An excellent medical indemnity insurance plan offers fiscal safety if regrettable occurrences occur. AIG Malaysia is here now to provide you with various strategies that meet your needs.

What AIG Malaysia Offers

Look no further than AIG Malaysia if you’re trying to enrol in an extended safety preparation. You can find plans covering a wide range of elements, so you can get almost everything you require in a single stop right here. Out of your travels, your automobile, your transportation, or even yourself, in case of any mishaps, get each of the coverage you need with AIG.

Smooth Journeys With AIG Travel insurance

Often, our vacation strategies might be interrupted by unpredicted mishaps, including actual traumas, natural disasters and more. AIG Travel Insurance offers around RM1 million protection for monthly medical bills if you suffer from health-related complications throughout your journey. In step with the latest conditions, the master plan also provides as much as RM700,000 for COVID-19-related occurrences.

AIG Malaysia

Property Insurance

Protect your own home as well as your possessions there with an insurance strategy from AIG Malaysia. With AIG, you can have complete protection for your home, including your valuables, whether inside or outside your house. Using this type of preparation, you can even get lodging expenditures after damage to your residence from theft, display deluge, or fire.

Automobile Insurance From AIG

Driving a car your car places you at a lot of hazards; nevertheless, you can free yourself of stress with AIG’s Vehicle Insurance. This protection strategy addresses harm to your vehicles in the event any problems occur, whether from thievery, blaze, or accident. Furthermore, it shields your obligations, including issues with other cars in an automobile accident.

Private Automobile accident Insurance That Progresses Together With You

Whether it’s health-related costs, charges, or more, AIG Personal Accident Insurance offers an in-depth protection plan that develops together with you. Get security plans that cater to you as being a specific and your family when you increase. This insurance is additionally tailored for your convenience; as possible, register on the internet or personally using one of AIG’s warm and friendly agents.

Can We Need Insurance Plans?

Buying an insurance plan is not only about delivering coverage for yourself; it provides peace of mind for your loved ones to help you through hard occasions in the face of sad events. We want the most effective for your loved ones and yourself, and achieving extensive coverage is a great way to do this.

Get Substantial Insurance With AIG Malaysia

Unclear about selecting the most appropriate safety prepared for you? Fret not, since AIG Malaysia gives every little thing you need to purchase covered. Select from experiencing insurance coverage for your long moves, car, home, or yourself–everything could be for you. Discover more about medical indemnity insurance when you go to aig.com.my and sign up now.

Maggi: Malaysian Food Goods

Precisely what is Maggi?

Started in Switzerland and founded in Malaysia submit-independence, Maggi is famous for food goods favoured by Malaysians, such as instant noodles and seasonings. Our accomplishments involve winning the Rare metal for Putra Manufacturer Awards in 2019 under Nestle. Malaysians love Maggi because of its halal food products for simple cooking ayam goreng.

Goods From Maggi

Maggi is acknowledged for our renowned immediate noodles that could come in numerous flavours like curry and fowl. Our oyster and chilli sauces bring condiments or add spice to meals. Dinner prep is already straightforward with the stock cubes and CukupRasa, and we also have short pasta, and blends for biryani rice and sambal paste to save you time.

Your Go-To Quality recipes

Our company offers various dishes so that you can be produced effortlessly with Maggi goods. You can test that our effortless poultry rendang formula was delicious with all the CukupRasa seasoning for fowl lovers. Seeking to make food with beef? Our meat and broccoli blend-fry is important-consider for yourself with the tasty touch of our oyster sauce.

Maggi MY

Speedy-Correct Meals

With the CukupRasa, you can make a tasty and swift rice meal simply like our Chinese fried dish. There are also delicious recipes for fish and shellfish, including our prawn dish infused in hot and spicy and sourness from MAGGI Tomyum Paste. If you want to make healthy meals for your family members, we now have vegetable quality recipes like fried kangkung belacan or salted seafood kailan.

Worldwide Flavor With Maggi

Serve the world’s cuisine in the home with Maggi. We have tasty European recipes like mac and cheese or dishes from the Eastern, for example, the dark pepper beef stir fry made out of Maggi’s premix packages. Make a well-known plate from Japan with the quick teriyaki chicken breast recipe, and prepare food Arabic dishes with all the Chicken breast Arab Rice cooked with our tomato sauce and stock cubes.

Innovative Tasty recipes With Maggi

Since Maggi is unquestionably a nicely-acknowledged brand worldwide, our goods have been contained in tasty dessert recipes. For example, kheer, a regular Indian pudding made from rice and whole milk, is also created using the noodles from Maggi 2-Min Noodles. Besides that, cooks food have integrated Maggi products into their treat quality recipes like potato crisps.

Maggi’s Tips and Tricks

Our guidelines are so that you can optimise your cooking food to help you convey more time with the family. Maggi will help you find the ideal pasta pair, fry a fish skillfully, or prepare food properly to spend less time and you are well being. You can even understand decluttering your kitchen to let you have a good cooking food space in your house.

Deciding on Maggi

For any quick and productive preparing food, select Maggi products now. Our goods can undoubtedly make many tasty recipes total in possible techniques to make meals with components accessible in your kitchen. Our catalogue of quality ayam goreng recipes also can motivate concepts that you can make food effortlessly. At the same time, you are unclear about what things to make for breakfast, lunch or dinner, or evening meal.

PUMA: World-Leading Sports Brand

More than just being quick, PUMA aims to achieve one thing: to be the Fastest Sports Brand in the World. As a world-renowned sports brand, PUMA has been creating, developing and designing quality sports apparel and footwear for all kinds of sports, women hoodies and from football to motorsport and golf, for more than seven decades.

PUMA’s Story

Founded by brothers Rudolf and Adolf Dassler in 1919, PUMA originates from humble beginnings as a small factory in Germany. In 1936, Jesse Owens won four gold medals at the Olympic Games in Berlin, all while sporting Dassler spikes. Since then, more world-class athletes are seen wearing Dassler shoes, creating an international breakthrough.


PUMA Sports Apparel and Equipment

PUMA put the fun in functionality by supplying a wide selection of well-designed sports apparel fit for sports and leisure activities. From running shoes for track and field to footwear for golf, PUMA boasts a range of comfortable sports apparel and equipment to help you perform on the playing field while letting you incorporate sports into your lifestyle with stylish sportswear that can be worn anywhere.

PUMA’s Sustainability Efforts

PUMA chooses to push for change and pave the way with fashion and sportswear. As a business that incorporates sustainability into its operations, PUMA’s 10FOR25 sustainability strategy supports the United Nations Sustainable Development Goals focusing on ten key sustainability areas by working closely with stakeholders.

Better Innovations with PUMA

PUMA aims to always bring better and unique innovations to sports for game-changing athletes. In 1984, the RS-Computer Shoe was created in the PUMA Running Studio, where the team leveraged computer technology to create better running shoes. Today, PUMA continues experimenting with digital technology to bring out the best in athletes.

PUMA Against Social Injustices

Over the years, PUMA has partnered with athletes and ambassadors who have raised their voices to support universal equality. In 2018, PUMA established the #REFORM women hoodie to honour the 50th anniversary of Tommie Smith’s Silent Gesture as an effort to stand up against the broken U.S. criminal justice system and support organisations that inspire real change.

PUMA in The World of Sports

With the business mission of being “Forever Faster”, PUMA aims high to be the Fastest Sports Brand in the World. For over 70 years, PUMA has been developing sports footwear, apparel and accessories like futsal shoes for the best athletes. PUMA’s range of sports apparel is designed by incorporating performance and sports inspiration into their products.

PUMA’s Story

In 1919, the Dassler Brothers started their shoe factory in their parents’ home, which grew and evolved into the world-renowned PUMA today. Ever since Jesse Owens sported Dassler spikes and won four gold medals during the 1936 Olympic Games, the brand had gained notoriety. More athletes were seen wearing PUMA shoes and apparel in subsequent world sporting events, crafting a global reputation for the brand.

futsal shoes

PUMA Sports Apparel and Equipment

PUMA apparel is designed for both functionality and leisure — they are suitable for all kinds of sports from football to running. You can also style it as leisurewear and go about your day in comfortable sports apparel because sport is a lifestyle. Discover a variety of sportswear for all ages at PUMA.

PUMA’s Business Philosophy

PUMA views sustainability in the same way as they consider sports — it’s about figuring out and improving on weaknesses to reach common goals. PUMA strives to create change through fashion and sportswear by improving social and environmental areas where they have the most significant impact, including Plastic & Oceans, Circularity, Biodiversity and more.

Better Innovations with PUMA

PUMA strives to be at the forefront of futsal shoes innovation to meet our athletes’ needs, with adaptive Dynamics as one of the principles that guide PUMA Innovation. This principle is the pursuit of creating products that adapt to human body movement and the environment based on thermoregulation, movement or fit, which led to the creation of PUMA’s self-lacing Fit Intelligence Training Shoe.

Turning Intent Into Action

Over the years, PUMA has partnered with athletes and ambassadors who have raised their voices to support universal equality. In 2018, PUMA established #REFORM to honour the 50th anniversary of Tommie Smith’s Silent Gesture as an effort to stand up against the broken U.S. criminal justice system and support organisations that inspire real change.

NESCAFE®, Malaysians’ Greatest Favourite

The Tale of NESCAFÉ

Motivated to generate a cup of coffee that maintains natural taste by having h2o, NESCAFÉ came up with their instant caffeine blend in 1938. Consequently, NESCAFÉ had become the new brand in caffeine — its title a mix of Nestlé’s very first three characters and also the term ‘café’ like a suffix. These days, NESCAFÉ Decaf is widely loved internationally in 180 countries.


NESCAFÉ Classic is made of a mixture of high-high quality Arabica and Robusta caffeine beans via a unique process that keeps the beans’ flavour and aroma. From NESCAFÉ Timeless Decaf to NESCAFÉ Timeless Kopi Kedah, the Classic range delivers a range of coffee cultivated locally and sourced responsibly off their places to ensure every mug offers the greatest fulfillment.

NESCAFÉ Rare metal

NESCAFÉ Golden is made with flawlessness for individuals who take pleasure in the finer stuff in your life. Made out of great-good quality Arabica legumes, NESCAFÉ Rare metal produces an outstanding flavor user profile. It assists a lengthy, pleasurable glass having a unique and sleek flavor. Loaded in window jars and offered in refill provides, the product is a superb accessory for business office pantries and house coffee night clubs.



The NESCAFÉ Blends range offers a multitude of tasty gourmet coffee pairings available in hassle-free sachets — feel latte dairy herbal tea, white coffee hazelnut and your typical 3-in-1 gourmet coffee! Each and every product supplies a exclusive gourmet coffee flavour, such as the Latte Hazelnut which is bold and crazy or the White colored Espresso Kaya Toast that permits you to enjoy your entire kopitiam favourites inside a glass.


Bring along NESCAFÉ along to work, to institution and also on travels! Packed in Family pet bottles and aluminium cans, NESCAFÉ On-The-Go lets you match your caffeine yearnings anytime and anyplace. The range delivers classic favourites like Kopi-O and Cham, modern-day favourites like Cool Produce and Iced Chococino, and also grow-based choices like Oat Latte and Almond Latte.

NESCAFÉ Coffee Makers

Made with basic contemporary factors for comfort and elegance, the NESCAFÉ coffee machine permits you to drink good quality espresso in fashion. It is a bother-totally free means to fix make your ultimate produce, leaving behind no spillage or espresso powder in the table. NESCAFÉ coffee machines are available in numerous styles and dimensions to fit your type and area to enable you to be your barista in your house.

NESCAFÉ: Produced Respectfully

NESCAFÉ contributes to coffee sustainability by making certain their espresso is produced with admiration to the farmers, neighborhood and environment. NESCAFÉ Decaf gives farmers training and technical assistance to improve their livelihoods, conserve drinking water and enhance territory efficiency to guard the environment. Assistance harvesting communities to help keep coffee farming capabilities well and full of life.

NESCAFÉ Your Decision

Coffee has sophisticated and wide-ranging tastes and fragrances, with 23,000 cups of gourmet coffee consumed around the world every day. NESCAFÉ ensures a top quality coffee encounter through very skilled tasters to determine each coffee’s various flavours and odors. Check out their substantial range of products for yourselves by permitting your daily caffeine improve with NESCAFÉ espresso right now!.

MILO®, Malaysians’ Best Favourite

About MILO®

Called Malaysians’ most liked chocolates malt drink company, MILO® hails Nestlé Australia as a beverage natural powder made to build electricity. Today, MILO® is produced in over 24 industrial facilities throughout the world and available in greater than 40 countries around the world, as well as its special chocolate MILO ingredients flavours are loved by a lot.

MILO® Rewards

A helping of MILO® can provide you with the vitality you require for your personal everyday workouts. A cup of MILO® contains 124kcal, which makes up 6% of your energy each day. Additionally it is loaded with whole milk as a method to obtain proteins and calcium supplements, nutritional vitamins to enhance effective electricity relieve.

The Popular MILO® Powder

MILO® is well known among Malaysians due to its natural powder consume. With just a few tablespoons of MILO® powder, you are able to assist MILO® in a number of techniques. Serve your MILO® warm to get started on your day during breakfast or with ice-cubes for a relaxing drink on a warm afternoon.


MILO® On-the-Go

Should you need MILO® in an instant, there are ready-to-drink merchandise for your benefit. Benefit from the scrumptious goodness of MILO anywhere you go in numerous interesting flavours that help keep you full of energy on the run. You may also get MILO® in the pack with MILO® UHT that can enhance your diet.

Have Breakfast With MILO®

MILO® now offers various goods that you can enjoy for breakfast. Commence your day with Nutri Breakfast time instant oatmeal, packed with the goodness of oats and also the delicious style of traditional banana items. You may also attempt MILO® With Whole Grain Breakfast cereal to add more fibre to your diet program.

MILO® Dairy products-Totally free Option

Consumers of dairy-totally free products may still take advantage of the positive aspects and deliciousness of MILO®. MILO® Dairy products Free of charge Almond is reduced in body fat and a good source of vegetation-centred healthy proteins. MILO® Dairy food Totally free is good if you’re lactose intolerant or eager for a grow-based diet plan.

Healthier Lifestyle With MILO®

MILO® always promotes Malaysians to incorporate healthy life-style inside their lives. MILO® has activities and strategies for folks of any age to sign up in initiatives to get a lot more lively. There are actually pursuits like sports workshops for youths, outside situations, plus more.

Why Choose MILO®?

MILO® is a huge choice in numerous Malaysian homeowners due to its various flavours and dietary principles. The brand’s number of products might be coupled with meals and satisfy your dietary choices. MILO® also strives to create Malaysia healthier with their MILO ingredients projects.