Diamondcu - It’s easy to become a member of Diamond Credit Union and to start taking advantage of the benefits of membership. You can sign up with our easy online application or by calling 610-326-5490 to speak with a dedicated Diamond representative. If you live, work, or attend school in Berks, Montgomery, Chester or Bucks Counties you are eligible for ...

 
Optimized thermal conductivity of diamond/Cu composite prepared with tungsten-copper-coated diamond particles by vacuum sintering technique. Vacuum (2018) H. Zhang et al. Unveiling the interfacial configuration in diamond/Cu composites by using statistical analysis of metallized diamond surface.. Sls swings

Diamond/Cu platings using SiC-coated diamonds were prepared by electrodeposition. • Interfacial adhesion of diamond and Cu significantly improved using SiC. • Cu was directly deposited onto the surfaces of SiC-coated diamonds. • Plating using SiC-coated nano-diamonds showed improved thermal conductivity. REGISTERED USERS SIGN IN. User Name. Forgot User name? 1.26% Annual Percentage Yield. Premier Money Market***. $10,000 and up. .76% Annual Percentage Yield. Premier Money Market. $2,500 - $9,999. .51% Annual Percentage Yield. *Falling below the minimum balance requirement of $50,000 will result in a $10.00 monthly fee and a rate reduction. **Falling below the minimum balance requirement of $25,000 ...In this paper, the two-flume method was used to study the change laws of the thermal conductivity and thermal expansion coefficient of diamond/Cu composite materials with 100, 300, and 500 cycle numbers, under the action of thermal shock load between −196 and 85 °C; the X-ray diffraction method (XRD) was used to study the change of the …With Diamond Credit Union's updated mobile app, you can view account balances, transaction history, transfer funds, pay bills, find branches, and deposit checks remotely. …Figure 1b, c shows the high-magnification SEM of HPHT–PM samples. Here, debonding between the metal-matrix and the diamond particles occurs and macro-cracks at the diamond-Cu interface are visible. The same defects, however, cannot be observed in HPHT–IM samples (cf. the high-magnification image of Fig. 1e). Figure 1f shows that the … Choose To GO GREEN Today! If you use NetBranch and have an e-mail address, you can go green using Diamond’s free electronic communications for Statements & Notifications, and Custom Alerts. These electronic communications enable you to manage your accounts quicker, easier, and more efficiently. No waiting to receive account information in the ... Diamond/Cu composites are widely studied as a new generation of thermal management materials in the field of electronic packaging and heat sink materials. The surface modification of diamond can improve interfacial bonding between the diamond and Cu matrix. The Ti-coated diamond/Cu composites are prepared via an independently …Loans for any purpose. A personal loan from Diamond can enable you to consolidate bills, buy a dirt bike, ATV, personal watercraft, new furniture, take a vacation or meet any other need. Personal loans are often utilized by non-homeowners who can’t take advantage of our home equity loan options.If you experience any type of identity fraud or exposed account information, Diamond offers a free service to all members to assist in these types of cases. CyberScout’s AdviseProtectResolve program encompasses the following services: ADVISE – An on-call Fraud Specialist provides unlimited assistance to lock out thieves with proactive measures.TruStage™ Auto & Home Insurance Program. Made available to Diamond Credit Union members, the TruStage™ Auto & Home Insurance Program provides top-quality protection designed to fit your budget. You could enjoy discounted rates combined with online convenience and 24/7 claims service. Get your free quote online today or call 1-855-589 … Diamond CU Mobile Banking is a free service that lets you access your accounts safely and conveniently from your app-enabled devices. You can check balances, deposit checks, transfer funds, and more with the Diamond Mobile Banking App. Learn how to download, set up, and register for the app. In this study, we investigate the effects of alloying elements (B, Cr, Hf, Mo, Nb, Si, Ti, V, Zr) on the interfacial properties of diamond/Cu using first-principles calculations. Results showed that all alloying components could increase the interfacial bonding of diamond/Cu.Figure 1b, c shows the high-magnification SEM of HPHT–PM samples. Here, debonding between the metal-matrix and the diamond particles occurs and macro-cracks at the diamond-Cu interface are visible. The same defects, however, cannot be observed in HPHT–IM samples (cf. the high-magnification image of Fig. 1e). Figure 1f shows that the …2 days ago · Contact the credit union at (610) 326-5490. Checking Accounts (Share Draft) - Manage your daily finances with convenient checking accounts. According to the NCUA Diamond Credit Union has 48,600 checking accounts held by members. Free Share Drafts / Free Checking - Benefit from free share drafts with special checking account services. Tower Health Reading Hospital Branch. Address: Diamond CU Tower Health Reading Hospital Branch 420 South 5th Avenue R Building West Reading, PA 19611 ( Map) Phone Number: (610) 326-5490. Toll-Free: (800) 593-1000. Website: Visit Website. The Diamond/Cu composites with bimodal diamond particles reinforced were fabricated by vacuum pressure infiltration. The influence of diamond volume fractions on the microstructure, thermal expansion behaviour, residual Stress and dimensional stability of the composites were investigated by using scanning electron microscopy, X …Diamond CU - Financial Summary Q4 2023. Download. ASSETS; Cash & Other Deposits $109,448,572; Total Investments $214,047,584; Loans Held for Sale $0; Total Loans $589,739,898 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans and Leases) ($4,683,602) Land And Building $16,549,422;CIUPIŃSKI et al [19] have prepared diamond/Cu composites, including Cr3C2 carbide via pulse plasma sintering, achieving the maximum thermal conductivity of 687 W/(m·K). As for boron, it can be directly alloyed into the copper matrix or grown on the diamond surface as a coating, resulting in increased tensile strengths and thermal … Existing homeowners can take advantage of the current competitive rates and save thousands by refinancing your mortgage with Diamond. For anyone dreaming of buying a home, who wants a partner in the homebuying process who will educate you, and be by your side every step of the way, the Diamond Credit Union Mortgage Center will help you get ... Rates shown for 2nd Mortgage Home Equity Loans are 80% loan to value. APR = Annual Percentage Rate. *Home Equity Loan: An APR of 5.50% would require a monthly payment of $6.88 per $1,000 borrowed. The payment example does not include amounts for taxes and insurance premiums; the actual payment obligation will be greater.Wed: 9:00 am to 5:00 pm. Thurs: 9:00 am to 7:00 pm. Fri: 9:00 am to 6:00 pm. Sat: Contact Center only 8:00 am to 1:00 pm (Branch Closed) Sun: Closed. Diamond is a full-service, award-winning credit union in Gilbertsville, PA. High quality, community-driven banking services for 75+ years. Join today.Oct 20, 2023 · With Diamond Credit Union's updated mobile app, you can view account balances, transaction history, transfer funds, pay bills, find branches, and deposit checks remotely. Features: · Transfer money between internal and external accounts. · Quickly view your balance with one swipe anywhere in the app. · Access Bill Pay to make and review ... REGISTERED USERS SIGN IN. User Name. Forgot User name? If you need to move money from your Diamond account to a non-Diamond member, now you can do so easily without writing a check. All you need is the person’s cell phone number or email address to make the transfer happen. You authorize the transfer, and your payee receives a notification with instructions to accept the funds. The Diamond/Cu composites with bimodal diamond particles reinforced were fabricated by vacuum pressure infiltration. The influence of diamond volume fractions on the microstructure, thermal expansion behaviour, residual Stress and dimensional stability of the composites were investigated by using scanning electron microscopy, X … Wed: 9:00 am to 5:00 pm. Thurs: 9:00 am to 7:00 pm. Fri: 9:00 am to 6:00 pm. Sat: Contact Center only 8:00 am to 1:00 pm (Branch Closed) Sun: Closed. Diamond is a full-service, award-winning credit union in Royersford, PA. High quality, community-driven banking services for 75+ years. Join today. The hot-pressing diamond/Cu composite with 60 vol% modified diamonds exhibits the best thermal conductivity of 495.5 W·m⁻¹·K⁻¹, slightly below the values predicted by the model H-J and DEM ...But the experimental results of ITC at the Cu/C interface varied significantly according their preparation methods. In recent work by Fan et al. [29], the experimental values of 55 MW/(m 2 ·K) for the (100) diamond/Cu and 48 MW/(m 2 ·K) for the (111) diamond/Cu were reported. With Diamond Credit Union's updated mobile app, you can view account balances, transaction history, transfer funds, pay bills, find branches, and deposit checks remotely. Features: · Transfer money between internal and external accounts. · Quickly view your balance with one swipe anywhere in the app. · Access Bill Pay to make and review ... There are three types of interest rates you could have on your credit card. Generally, the interest rate will either be fixed or variable. When you first sign up for a credit card, you may receive a promotional interest rate. Fixed-rate – Your interest rate or APR will not change without notice. If you need to move money from your Diamond account to a non-Diamond member, now you can do so easily without writing a check. All you need is the person’s cell phone number or email address to make the transfer happen. You authorize the transfer, and your payee receives a notification with instructions to accept the funds. Hazard insurance covers the structure of your home and helps you repair or rebuild if your home is damaged from fire, hurricane, hail, lightning, or other listed disaster. A typical homeowners insurance policy usually does not cover damage from floods, earthquakes, or general wear and tear. Detached buildings like garages, sheds, or barns …The research progress of diamond/Cu composite is introduced systematically. The guiding factors of high thermal conductivity of diamond/Cu composite are emphatically analyzed. The progress and problems in the application of diamond/Cu composite are discussed. The future research directions of diamond/Cu composite are …Diamond Credit Union is a not-for-profit financial institution serving the people of Berks County and the TriCounty Area. When you become a member of Diamond...Direct bonding of diamond and Cu is successfully fabricated by surface activated bonding method. An almost full contact area of diamond and Cu is obtained. The effect of annealing temperature on the structure properties of the bonding interface is investigated under in-situ annealing in a transmission electron microscope (TEM).If you live, work, worship, go to school, or regularly conduct business in Berks, Montgomery, Chester or Bucks Counties, we invite you to join the Diamond family and earn lower interest rates on loans, a higher return on your savings and less fees than many financial institutions. Join over 64,000 members in the region and take advantage of the ...Loans for any purpose. A personal loan from Diamond can enable you to consolidate bills, buy a dirt bike, ATV, personal watercraft, new furniture, take a vacation or meet any other need. Personal loans are often utilized by non-homeowners who can’t take advantage of our home equity loan options.The Cu/diamond composite exhibits a record high thermal conductivity of 1050 W/mK. •. The synergetic effect plays a fundamental role in attaining high thermal conductivity in the Cu/diamond composite. •. The discrete in situ carbide interlayer plays a decisive role in attaining high interfacial thermal conductance. •.Direct bonding of diamond and Cu is successfully fabricated by surface activated bonding method. An almost full contact area of diamond and Cu is obtained. The effect of annealing temperature on the structure properties of the bonding interface is investigated under in-situ annealing in a transmission electron microscope (TEM).Pay Your Bills Online. Diamond’s improved Bill Payer service features easier navigation, immediate payee set-up and processing. Your balances are always up-to-date with real-time payment processing. Bill Payer is quick, easy and eliminates the cost of postage and checks. You have the option to pay your bills manually or automatically.Up to 48 months. 6.49% APR. Up to 72 months. 7.29% APR. 73 months +. 7.99% APR. Apply For: Motorcycle Pre-Approval Motorcycle Purchase Motorcycle Refinance. For assistance, contact a Diamond Representative by calling 610-326-5490. Annual Percentage Rate (APR), Term, Loan to Value (LTV), and other loan determinations are subject to …DETAILS. Make an easy, fast payment for your loan or credit line using any payment method you desire. 2014-2021 Diamond Credit Union. Accessing services constitutes …In this study, diamond/Cu composites were fabricated by SPS technique using the mixture of diamond particles and Cu powder. The tribological behaviors at elevated temperature (friction coefficient, wear rate, oxidation, adhesive, etc.) of the diamond/Cu composites were investigated qualitatively and quantitatively. 2. …Here's how: Share with friends via Facebook, Twitter, or email. Your friends get $50* when they open an account, have a debit card, and reach $500 in total deposits to the …Access to over 55,000 ATMs worldwide. With your new Diamond debit card, you have access to 55,000 No-Surcharge ATMs in our Network and our “No-Surcharge Guarantee!”. No matter where you live, work, shop, or travel, you’ll find a no-surcharge ATM right where you need one. Plus, we guarantee you’ll avoid fees in our network or we’ll ... Compare the products and services in our Business Services division and you’ll realize there has never been a better place or time to launch your business plans or expand your current business than right here, right now with Diamond Credit Union. Diamond knows that when local businesses succeed, our community succeeds. The TC of the 40 vol.% Ti-coated diamond/Cu composite is 475.01 W m−1 K−1, much higher than that of diamond/Cu and Cu-coated diamond/Cu composites under equivalent manufacturing conditions.420 South 5th AvenueR BuildingWest Reading, PA19611 (610) 326-5490 Lobby Open Today: 7:30 am - 4:00 pm Learn More.Diamond Credit Union is a not-for-profit financial institution serving the people of Berks County and the TriCounty Area. When you become a member of Diamond...Diamond Credit Union is a member-owned and operated financial institution that offers low-cost banking services to Southeast Pennsylvania community. You can access your …Fig. 2 a presents the representative microstructure of the diamond/Cu joint bonded with the Au–Si interlayer and NiTi particles at 600 °C for 30 min. In the seam, a gray phase composed of Au–Cu–Si (point A) and the radial whiskers around NiTi particles were formed, and the massive acicular whiskers composed of Cu–Ti–Si were embedded in the …Up to 48 months. 6.49% APR. Up to 72 months. 7.29% APR. 73 months +. 7.99% APR. Apply For: Motorcycle Pre-Approval Motorcycle Purchase Motorcycle Refinance. For assistance, contact a Diamond Representative by calling 610-326-5490. Annual Percentage Rate (APR), Term, Loan to Value (LTV), and other loan determinations are subject to …About Press Copyright Contact us Creators Advertise Developers Terms Privacy Policy & Safety How YouTube works Test new features NFL Sunday Ticket Press Copyright ...Diamond Credit Union will credit the member up to $300 towards their first payment after vehicle is financed through Diamond Credit Union. Offer void when 7-day Repurchase Agreement is activated. Offer valid only on Enterprise vehicles purchased 03/15/24 – 04/30/24. No cash advances. Offer cannot be combined.For additional payment options and to avoid identifying yourself every time, login to online banking or create an account today. Identify Your Account. Member Number. Social Security Number (SSN) Vehicle Identification Number (VIN) Please complete the following to confirm your identity: Member Name. First word in Members First and Last name. Join your friends and neighbors in belonging to an award-winning credit union! If you live, work, worship, go to school, or regularly conduct business in Berks, Montgomery, Chester or Bucks Counties, we invite you to join the Diamond family and earn lower interest rates on loans, a higher return on your savings and less fees than many financial ... Diamond has a superior thermal conductivity, but the diamond particles reinforced Cu matrix composites exhibit thermal conductivities far from expected. Here an ultrahigh thermal conductivity of 1050 W/mK is realized in a Cu/diamond composite via a discrete in situ carbide interlayer and a bimodal diamond particle strategy. The high …Diamond Cubic Crystal Structure is explained in this videoOctahedral and Tetrahedral sites in FCC: https://www.youtube.com/watch?v=ZQnzvKroLu0Octahedral and ... Compare the products and services in our Business Services division and you’ll realize there has never been a better place or time to launch your business plans or expand your current business than right here, right now with Diamond Credit Union. Diamond knows that when local businesses succeed, our community succeeds. Open A Business Checking Account Online. Business Loans & Credit Business Account Benefits Business Growth Accounts Request Information New Account Checklist. 610-326-5490. 800-593-1000. Easily manage your business finances online with Diamond Credit Union. Choose from 3 options to pick the right business checking account for you.REGISTERED USERS SIGN IN. User Name. Forgot User name?The Diamond/Cu composites with bimodal diamond particles reinforced were fabricated by vacuum pressure infiltration. The influence of diamond volume fractions on the microstructure, thermal expansion behaviour, residual Stress and dimensional stability of the composites were investigated by using scanning electron microscopy, X …Diamond Prices Index™ 209.2 3.9 Updated April 1, 2024 - Next update May 1, 2024 Determining the price of a diamond or its value involves many of the factors we … Diamond is a not-for-profit, member-owned credit union. There’s a big difference between credit unions and commercial banks. While banks have to produce profits for shareholders, as a credit union, our profits are shared with our members – that means the more we grow, the more you benefit. As a credit union, Diamond distributes profits to ... DETAILS. Make an easy, fast payment for your loan or credit line using any payment method you desire. 2014-2021 Diamond Credit Union. Accessing services constitutes … If you need to move money from your Diamond account to a non-Diamond member, now you can do so easily without writing a check. All you need is the person’s cell phone number or email address to make the transfer happen. You authorize the transfer, and your payee receives a notification with instructions to accept the funds. 196 Citations. 251 Altmetric. Metrics. Self-assembling colloidal particles in the cubic diamond crystal structure could potentially be used to make materials with a photonic bandgap 1, 2, 3. Such ...Who We Are. Just like in any other aspect of life, financial growth is important. Since our doors opened in July 1947 we’ve been creating more opportunities for our members to …In this study, we investigate the effects of alloying elements (B, Cr, Hf, Mo, Nb, Si, Ti, V, Zr) on the interfacial properties of diamond/Cu using first-principles calculations. Results showed that all alloying components could increase the interfacial bonding of diamond/Cu.Diamond/aluminum (Dia/Al) composites were fabricated by powder metallurgy using starting Al powders of different size. Effect of matrix-to-reinforcement particle size ratio (PSR) on diamond particle dispersion was revealed, and higher thermal conductivity of Dia/Al composites with a certain volume fraction was achieved by …But the experimental results of ITC at the Cu/C interface varied significantly according their preparation methods. In recent work by Fan et al. [29], the experimental values of 55 MW/(m 2 ·K) for the (100) diamond/Cu and 48 MW/(m 2 ·K) for the (111) diamond/Cu were reported.diamond/Cu composites were sintered by high ‐temperature and high pressure technology, and the density of surface‐modified diamond/Cu composites was less than 4gcm−3. The W–WC–W 2C@diamond/Cu composites have a thermal diffusivity as high as 331mm2 s−1, and their thermal expansion coefficient is as low as 1.76×10−6 K−1.Deposit a fixed amount of money for a set period of time and earn a market-leading rate on your funds. Members can open a Regular Share Certificate with a minimum investment of just $1,000. Diamond’s Jumbo Share Certificates are also available, featuring a super-sized rate with a minimum deposit of $75,000. Manage and maximize your money with these banking tools. For individuals who want to make managing and maximizing their dollars a cinch, Diamond Credit Union’s Account Management Tools can help accomplish several tasks. The know-how on depositing money, protecting money from overdrafts, taking a break from loan payments, and budgeting is ... 196 Citations. 251 Altmetric. Metrics. Self-assembling colloidal particles in the cubic diamond crystal structure could potentially be used to make materials with a photonic bandgap 1, 2, 3. Such ... Map of Diamond Credit Union Locations. Find your nearest Diamond Credit Union branch or ATM using our interactive search tools. Diamond has 7 branches across Pennsylvania, offering a wide range of financial services to members. Services may vary by location. CHOOSE CITY Birdsboro Gilbertsville Pottstown Royersford Temple West Reading Wyomissing. The interfacial properties of diamond/Cu composites can be improved using metal matrix alloying methods. In this study, we investigate the effects of alloying elements (B, Cr, Hf, Mo, ...Here, diamond/Cu-B composites with different boron content were prepared by vacuum pressure infiltration. Diamond/Cu-B composites up to 694 W/(mK) were obtained. The interfacial carbides formation process and the enhancement mechanisms of interfacial heat conduction in diamond/Cu-B composites were studied by HRTEM and …

Radiant cut is one of the most beautiful diamond cuts one can find, and it was designed in 1977 by Henry Grossbard from the RCDC (Radiant Cut Diamond Company). Before this diamond shape was created, all diamonds were square cut with lower brilliance. Grossbard invented a hybrid diamond that revolutionized the diamond industry by creating a step …. Pattern recognition and machine learning

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Local service team and decision-making supporting the small- and medium-sized business community. With the growth of our Business Services division, small- to medium-sized businesses can benefit from real estate financing, business lines of credit and business credit cards, to checking and investment products needed to run a business smoothly. 1997 – Diamond Federal Credit Union shortened its name to present-day Diamond Credit Union to reflect a conversion to a state charter. 1996 – In March of 1996, Diamond began its affiliation with the largest employer in the region, The Reading Hospital and Medical Center. 1990 – Dana Pottstown Federal Credit Union changed its name to ... Permanent Citation. Diamond has the highest hardness and thermal conductivity of any bulk material while remaining an electrical insulator. The structure of diamond is based on a continuous network of tetrahedrally bonded carbon atoms in which extremely strong covalent bonds are formed between -hybrid orbitals. The C–C bond … Diamond CU Mobile Banking is a free service that lets you access your accounts safely and conveniently from your app-enabled devices. You can check balances, deposit checks, transfer funds, and more with the Diamond Mobile Banking App. Learn how to download, set up, and register for the app. Muhlenberg Branch. 4453 North 5th Street Highway Temple, PA 19560 (Corner of Business Rt. 222 North and Darby Avenue) Mailing address: 1600 Medical Drive, Pottstown, PA 19464. Make an appointment for Muhlenberg. Get DirectionsThe hot-pressing diamond/Cu composite with 60 vol% modified diamonds exhibits the best thermal conductivity of 495.5 W·m⁻¹·K⁻¹, slightly below the values predicted by the model H-J and DEM ...With Diamond Credit Union's updated mobile app, you can view account balances, transaction history, transfer funds, pay bills, find branches, and deposit checks … Diamond Credit Union will credit the member up to $300 towards their first payment after vehicle is financed through Diamond Credit Union. Offer void when 7-day Repurchase Agreement is activated. Offer valid only on Enterprise vehicles purchased 03/15/24 – 04/30/24. No cash advances. Offer cannot be combined. Fri: 9:00 am to 6:00 pm. Sat: Contact Center only 8:00 am to 1:00 pm (Branch Closed) Sun: Closed. Diamond is a full-service, award-winning credit union in Pottstown, PA. High quality, community-driven banking services for 75+ years. Join today.The results presented in literature are limited to observations and chemical analyses of interfaces on the fracture surfaces of diamond/Cu-alloy composites e.g. Ref. [13]. Therefore, the characterisation of selective interfacial bonding quality, as well as thickness of interfacial compounds formed, is complicated or even impossible.Access to over 55,000 ATMs worldwide. With your new Diamond debit card, you have access to 55,000 No-Surcharge ATMs in our Network and our “No-Surcharge Guarantee!”. No matter where you live, work, shop, or travel, you’ll find a no-surcharge ATM right where you need one. Plus, we guarantee you’ll avoid fees in our network or we’ll ...The friction stir process has been used for the first time to fabricate copper–diamond composite. The initial diamond particles were fragmented and embedded into Cu alloy due to the pressures applied during the friction stir process. A drastic refinement of the diamond particles was observed due to attrition during processing. …Open A Savings Account: Everyone’s journey with Diamond Credit Union begins by establishing a required Membership Share Savings Account with at least a $5 deposit. Once established, you automatically become a member-owner of the credit union and have access to additional product offerings that include four additional savings accounts.Diamond Bank The Natural Choice for Community Banking. !! SCAM ALERT !! Please be cautious with any phone calls or text messages that you receive from our Fraud Department. A scammer has "spoofed" the phone number, so it may look like the call/text is from Diamond Bank. You can immediately contact your local bank branch to confirm the …Diamond/Cu composites have great potential applications in thermal management for its high thermal conductivity (TC), low expansion, good heat and corrosion resistance. However, the weak interfacial bonding between diamond and Cu often deteriorates its properties and interface modification design is considered as an effective …TruStage™ Auto & Home Insurance Program. Made available to Diamond Credit Union members, the TruStage™ Auto & Home Insurance Program provides top-quality protection designed to fit your budget. You could enjoy discounted rates combined with online convenience and 24/7 claims service. Get your free quote online today or call 1-855-589 …The thermal conductivity of Diamond/Cu composites under different diamond particle mixing schemes all exceeded 700 W/mK. In particular, the obtained maximum thermal conductivity value of 853 W/mK in Diamond/Cu composites, increases 220% than pure copper by introducing 25 vol% of secondary diamond particles with a particle size …The characterization of diamond films using various techniques, including X-ray diffraction, Raman spectroscopy, atomic force microscopy, nanoindentation, and tribological tests is briefly discussed. An overview of some of the most relevant applications of NCD films, including mechanical, electrical, thermal, acoustic, and optical applications ...The hot-pressing diamond/Cu composite with 60 vol% modified diamonds exhibits the best thermal conductivity of 495.5 W·m⁻¹·K⁻¹, slightly below the values predicted by the model H-J and DEM ....

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