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Ensure your entire staff has a solid foundation in payments rules and regulations with annual access to EPCOR U, formerly known as the Electronic Resources License. 

One flat fee of just $225 – $700 covers your entire organization, providing each employee access to our entire on-demand library, helpful publications and tools.

Why EPCOR U?

Modern Experience

A fresh, intuitive platform designed for how you learn today

Easy Navigation

Quickly find exactly what you need, when you need it

Guided Learning Paths

Structured courses that keep learning focused and efficient

Manager Insights

Assign training and track progress from day one

The courses included are perfect for new employees or anyone who needs a refresher, and to meet annual training requirements such as Bank Secrecy Act (BSA) training, Regulation E and more! Everyone at your organization will benefit from EPCOR U, from your frontline staff to your Board of Directors.

NEW Courses for 2026!

Frontline Wire Transfer Requests

This seven-part series covers cut off times, OFAC, risk mitigation and more.

Gathering Consumer Debit Card Dispute Information for the Frontline

This nine-part series is ideal for anyone gathering information at the frontline for a consumer debit card dispute. 

Instant Payment Basics

Learn the basics of how the various instant payment systems/rails work and the overlay (payment apps) systems that ride these rails.

Introduction to the PPD SEC Code

This 15-part micro course series will give you a basic review of the Prearranged Payment and Deposit (PPD) SEC code.

Navigating the ACH Rules

Take a whirlwind tour of the ACH Rules book and discover the layout, how to use it and more. 

Standard Entry Class (SEC) Code Basics

This six-part micro course series explains what a standard entry class code is, the general authorization requirements for various SEC codes and more.

We've been subscribers for a few years now. It has been a great help to new employees in our operations department and to refresh knowledge for the rest of us. Our retail admin team and customer service area also use some of the courses. The cost is very minimal, even for a larger institution of our size.

Anthony Morris, AAP
First Merchants Bank

Learning Paths

Take the guesswork out of training with our curated, expertly designed learning paths that lead you from fundamentals to mastery.

If you want to master working ACH payments, this is the path for you. We cover rules, regulations, complex situations, compliance and a host of other issues you may run into while working with ACH payments. We start from the basics and work our way up to advanced issues and beyond with several checklists and Quick Reference Guides. Fair warning, this is not something you can or should complete in a few weeks. For those who have their AAP and don't have time to sit through a full webinar or attend an event, it's a great refresher and worth a whopping 20 AAP/APRP/AFPP Credits (which is the most you can earn in one year). You must complete all individual courses within two years to earn the 20 credits. This contains almost all of our ACH-related self-study options, so we recommend you do not take any other courses or webinars specifically to obtain credits in the same year you complete this learning path.

Type of Credits: AAP/AFPP/APRP
Learning Time (Est. Hours/Minutes): 16
Amount of Credits: 20
Number of Classes: 33

This learning path contains the following courses:     
Payment Systems Rules and Regulations
ACH 101: Participants and Transaction Flow
Navigating the ACH Rules
ACH 102: Recognizing an ACH Transaction
ACH 103: Legal Framework
ACH 104: Same Day ACH
ACH 201: Authorizations and Agreements
Standard Entry Class (SEC) Code Basics
RDFI Returns
ACH Stop Payments
Unauthorized Consumer ACH Transactions
International ACH Transactions
Federal Government Reclamations    
Introduction to the PPD SEC Code
Introduction to ACH Security: Operations Perspective
Implementing an ACH Security Framework
Basics of ACH Origination For Credit Unions
ACH Origination for Credit Unions: Prerequisites
Electronic Data Interchange (EDI)
ACH Risk Management: The Lender's Perspective
ACH vs Third-Party Terms
Regulation E vs ACH Before 60 days
Regulation E vs ACH After 60 Days
ACH Risk Management: The Community Bank Board Perspective
RDFI Exceptions for Consumer Transactions
BSA 101: Bank Secrecy Act Basics
BSA 102: BSA/AML Compliance Programs
BSA 201: Reporting and Non-Compliance
Regulation GG
Regulation CC Subpart B: Funds Availability
Regulation E Subpart A: Fundamentals
Regulation E Subpart A: Investigations
Regulation E Subpart A: Disclosures / Receipts / Notices
Regulation E Subpart B: International Remittance  

This curriculum covers regulations that apply to ACH transactions. You will learn about Regulation CC Subpart B, Regulation E, BSA/AML and Regulation GG. This course is worth 8.6 AAP/AFPP/APRP credits, and should only be taken if you are NOT planning to take the Complete ACH Learning Path, ACH Basics Learning Path, ACH Intermediate Learning Path or ACH Advanced Learning Path.

Type of Credits: AAP/AFPP/APRP
Learning Time (Est. Hours/Minutes): 7.5
Amount of Credits: 8.6
Number of Classes: 13

This learning path contains the following courses:     
Payment Systems Rules and Regulations
ACH 103: Legal Framework
Regulation E Subpart A: Fundamentals
Regulation E Subpart A: Investigations
Regulation E Subpart A: Disclosures / Receipts / Notices
Regulation E Subpart B: International Remittance    
Regulation E vs ACH Before 60 days
Regulation E vs ACH After 60 Days
Regulation CC Subpart B: Funds Availability
Regulation GG    
BSA 101: Bank Secrecy Act Basics
BSA 102: BSA/AML Compliance Programs
BSA 201: Reporting and Non-Compliance

This curriculum will introduce you to the basics of the ACH Network. You will learn about the flow of payments through the network, Standard Entry Class (SEC) Codes, how to recognize an ACH transaction, the legal framework of the ACH Network, Same Day ACH transactions, authorizations and agreements inside the ACH Network and how to navigate the ACH Rules. If you need an ACH Network refresher, this curriculum is worth 3.8 AAP/AFPP/APRP credits. We do not recommend taking this class alongside the ACH Regulations Learning Path or the Complete ACH Learning Path. 

Type of Credits: AAP/AFPP/APRP
Learning Time (Est. Hours/Minutes): 3.15
Amount of Credits: 3.8
Number of Classes: 8

This learning path contains the following courses:     
Payment Systems Rules and Regulations
ACH 101: Participants and Transaction Flow
Standard Entry Class (SEC) Code Basics
ACH 102: Recognizing an ACH Transaction
ACH 103: Legal Framework    
ACH 104: Same Day ACH    
ACH 201: Authorizations and Agreements
Navigating the ACH Rules

These intermediate ACH courses cover RDFI returns, stop payments, unauthorized transactions, international transactions, federal government reclamations and an introduction to the Prearranged Payment and Deposit (PPD) Standard Entry Class (SEC) code. If you need to sharpen your ACH knowledge, this curriculum is worth 3.8 AAP/AFPP/APRP credits. We do not recommend you take this class along with the ACH Regulations Learning Path or the Complete ACH Learning Path.

Type of Credits: AAP/AFPP/APRP
Learning Time (Est. Hours/Minutes): 4.3
Amount of Credits: 5.2
Number of Classes: 6

This learning path contains the following courses:     
RDFI Returns
ACH Stop Payments
Unauthorized Consumer ACH Transactions
International ACH Transactions    
Federal Government Reclamations        
Introduction to the PPD SEC Code

These courses cover ACH security, ACH origination, Electronic Data Interchange (EDI), ACH risk management, ACH and Third-Party terms, ACH vs Regulation E and RDFI exceptions for consumer transactions.  If you need to earn credits and you have quite a bit of experience in the ACH world, this course is worth 8.1 AAP/AFPP/APRP credits. We do not recommend taking this class alongside the ACH Regulations Learning Path or the Complete ACH Learning Path. 

Type of Credits: AAP/AFPP/APRP
Learning Time (Est. Hours/Minutes): 6.45
Amount of Credits: 8.1
Number of Classes: 11

This learning path contains the following courses:     
Introduction to ACH Security: Operations Perspective
Implementing an ACH Security Framework
ACH Origination for Credit Unions: Prerequisites    
Basics of ACH Origination For Credit Unions
Electronic Data Interchange (EDI)
ACH Risk Management: The Lender's Perspective
ACH Risk Management: The Community Bank Board Perspective
ACH vs Third-Party Terms
Regulation E vs ACH Before 60 days
Regulation E vs ACH After 60 Days
RDFI Exceptions for Consumer Transactions

These courses cover the regulations you need to know to navigate the payments world effectively. This mix of introductory, intermediate and advanced courses covers everything from Regulation CC to BSA/AML and is worth 14.3 AAP/AFPP/APRP credits and 3.3 NCP credits. This learning path covers the most common payment systems, and you may see some of the same courses if you decide to enroll in the ACH, wire, card, FedNow®, RTP® or check learning paths. 

Type of Credits: AAP/AFPP/APRP
Learning Time (Est. Hours/Minutes): 13.45
Amount of Credits: 15.8
Number of Classes: 24

This learning path contains the following courses:     
Payment Systems Rules and Regulations
ACH 103: Legal Framework Course
Regulation E Subpart A: Fundamentals
Regulation E Subpart A: Investigations
Regulation E Subpart A: Disclosures / Receipts / Notices
Regulation E Subpart B: International Remittance
Regulation E vs ACH Before 60 days
Regulation E vs ACH After 60 Days Course
Regulation D 101: Purpose and Scope
Regulation D 102: Transaction vs Non-Transaction Accounts
Regulation D 201: Transaction Limitations
Wires 102: Legal Framework
RTP®  Rules and Regulations for Sending and Receiving Participants
FedNow Rules & Regulations for Sending and Receiving Participants
Regulation GG
BSA 101: Bank Secrecy Act Basics
BSA 102: BSA/AML Compliance Programs    
BSA 201: Reporting and Non-Compliance
Regulation CC Subpart A: Purpose and Key Definitions
Regulation CC Subpart B: Funds Availability
Regulation CC Subpart C: Check Collection Part 1    
Regulation CC Subpart C Check Collection: Part 2    
Regulation CC Subpart D: Substitute Checks    
Checks 102: Legal Framework

These courses cover the basic rules and regulations for all payment systems, the fundamentals of all card systems and how to gather consumer debit information for the front line. There is also a high-level overview of BSA and AML compliance as well as Regulation E fundamentals, investigations and disclosures, receipts and notices. The Complete Card Learning Path contains all of the classes in the Card Basics and Card Intermediate learning paths and is worth 4.9 AAP/AFPP/APRP credits.

Type of Credits: AAP/AFPP/APRP
Learning Time (Est. Hours/Minutes): 4
Amount of Credits: 4.9
Number of Classes: 9

This learning path contains the following courses:     
Payment Systems Rules and Regulations    
Cards 101: Card System Fundamentals
Gathering Consumer Debit Card Dispute Information for the Front Line
BSA 101: Bank Secrecy Act Basics
BSA 102: BSA/AML Compliance Programs
BSA 201: Reporting and Non-Compliance
Regulation E Subpart A: Fundamentals
Regulation E Subpart A: Investigations
Regulation E Subpart A: Disclosures/Receipts/Notices

These courses are worth 1.9 AAP/AFPP/APRP credits and cover the basic rules and regulations for all payment systems, the fundamentals of all card systems and how to gather consumer debit information for the front line. The courses are included in the Complete Card Learning Path and should only be completed if you do not wish to also complete the Card Intermediate learning path simultaneously.

Type of Credits: AAP/AFPP/APRP
Learning Time (Est. Hours/Minutes): 1.4
Amount of Credits: 1.9
Number of Classes: 3

This learning path contains the following courses:     
Payment Systems Rules and Regulations
Cards 101: Card System Fundamentals
Gathering Consumer Debit Card Dispute Information for the Front Line

These courses include a high-level overview of BSA and AML compliance as well as Regulation E fundamentals, investigations and disclosures, receipts and notices. While these courses are not specifically tailored for cards, the information included is applicable to the Card Network. These courses are a part of the Complete Card Learning Path and should only be taken if you have completed the Card Basics Learning Path.  

Type of Credits: AAP/AFPP/APRP
Learning Time (Est. Hours/Minutes): 2.5
Amount of Credits: 3
Number of Classes: 6

This learning path contains the following courses:     
BSA 101: Bank Secrecy Act Basics
BSA 102: BSA/AML Compliance Programs
BSA 201: Reporting and Non-Compliance
Regulation E Subpart A: Fundamentals
Regulation E Subpart A: Investigations
Regulation E Subpart A: Disclosures/Receipts/Notices

These courses cover the basic rules and regulations for all payment systems, the basics and payment flow of the check system, how to identify check fraud for the front line and the legal framework of checks. They also cover check adjustments, the X9.100-187 Check Standard, Remote Deposit Capture (RDC) and the regulatory environment, as well as useful RDC tools and check regulations including Regulation CC, BSA/AML and Regulation GG. The Complete Check Learning Path contains all the courses in the Check Basics and Check Intermediate and Check Advanced learning paths, and is worth 7.9 AAP/AFPP/APRP credits. We do not recommend completing the Check Basic, Intermediate and Advanced Learning Paths in the same year as the Complete Check Learning Path, as they contain the same courses.

Type of Credits: AAP/AFPP/APRP/NCP
Learning Time (Est. Hours/Minutes): 6.45
Amount of Credits: 8.9
Number of Classes: 16

This learning path contains the following courses:     
Payment Systems Rules and Regulations
Checks 101: Basics and Transaction Flow    
Identifying Check Fraud for the Front Line
Checks 102: Legal Framework
Understanding Check Adjustments    
Understanding the X9.100-187 Check Standard
RDC and the Regulatory Environment
Regulation CC Subpart A: Purpose and Key Definitions
Regulation CC Subpart B: Funds Availability
Regulation CC Subpart C: Check Collection Part 1
Regulation CC Subpart C Check Collection: Part 2
Regulation CC Subpart D: Substitute Checks
BSA 101: Bank Secrecy Act Basics
BSA 102: BSA/AML Compliance Programs
BSA 201: Reporting and Non-Compliance
Regulation GG 

This learning path  is worth 1.5 AAP/AFPP/APRP/NCP credits and covers the basic rules and regulations for all payment systems, the basics and payment flow of the check system, how to identify check fraud for the front line and the legal framework of checks. We recommend that you do not complete this learning path alongside the Complete Check Learning Path, as the courses are the same.

Type of Credits: AAP/AFPP/APRP/NCP
Learning Time (Est. Hours/Minutes): 1.25
Amount of Credits: 1.5
Number of Classes: 4

This learning path contains the following courses:     
Payment Systems Rules and Regulations    
Checks 101: Basics and Transaction Flow    
Identifying Check Fraud for the Front Line    
Checks 102: Legal Framework 

This learning path is worth 3 AAP/AFPP/APRP/NCP credits and covers check adjustments, the X9.100-187 Check Standard, Remote Deposit Capture (RDC) and the regulatory environment. It also includes useful RDC tools. We recommend that you do not complete this learning path alongside the Complete Check Learning Path, as the courses are the same.

Type of Credits: AAP/AFPP/APRP/NCP
Learning Time (Est. Hours/Minutes): 2.5
Amount of Credits: 3
Number of Classes: 3

This learning path contains the following courses:  
Understanding Check Adjustments
Understanding the X9.100-187 Check Standard
RDC and the Regulatory Environment

This learning path is worth 4.2 AAP/AFPP/APRP/NCP credits and covers check regulations, including Regulation CC, BSA/AML and Regulation GG. We recommend that you do not complete this learning path alongside the Complete Check Learning Path, as the courses are the same.

Type of Credits: AAP/AFPP/APRP/NCP
Learning Time (Est. Hours/Minutes): 3.5
Amount of Credits: 4.2
Number of Classes: 90

This learning path contains the following courses:
Regulation CC Subpart A: Purpose and Key Definitions
Regulation CC Subpart B: Funds Availability
Regulation CC Subpart C: Check Collection Part 1
Regulation CC Subpart C Check Collection: Part 2
Regulation CC Subpart D: Substitute Checks
BSA 101: Bank Secrecy Act Basics    
BSA 102: BSA/AML Compliance Programs    
BSA 201: Reporting and Non-Compliance    
Regulation GG

This learning path covers the basics of instant payments and their use cases, as well as Regulation GG, which applies to all instant payments. It also covers how rules and regulations apply to both the FedNow® Service and RTP®.  

Type of Credits: AAP/AFPP/APRP
Learning Time (Est. Hours/Minutes): 5
Amount of Credits: 6.7
Number of Classes: 9

This learning path contains the following courses:
Instant Payments Basics
Instant Payments Use Cases
Regulation GG    
Understanding FedNow®
FedNow® Rules & Regs Overview Series
FedNow® Rules & Regulations for Sending and Receiving Participants
Understanding RTP
RTP® Rules and Regulations Overview Series
RTP® Rules and Regulations for Sending and Receiving Participants

This learning path covers the basics of instant payments and their use cases, as well as Regulation GG, which applies to all instant payments.  

Type of Credits: AAP/AFPP/APRP
Learning Time (Est. Hours/Minutes): 2.1
Amount of Credits: 2.5
Number of Classes: 3

This learning path contains the following courses:
Instant Payments Basics
Instant Payments Use Cases
Regulation GG

This learning path provides an introduction to FedNow®, the basic rules and regulations FedNow® must follow and how specific rules and regulations apply to both sending and receiving participants.   

Type of Credits: AAP/AFPP/APRP
Learning Time (Est. Hours/Minutes): 1.4
Amount of Credits: 2
Number of Classes: 3

This learning path contains the following courses:
Understanding FedNow®
FedNow® Rules & Regs Overview Series
FedNow® Rules & Regulations for Sending and Receiving Participants

This learning path provides an introduction to RTP®, including the basic rules and regulations and how they apply to both sending and receiving participants.  

Type of Credits: AAP/AFPP/APRP
Learning Time (Est. Hours/Minutes): 1.5
Amount of Credits: 2.2
Number of Classes: 3

This learning path contains the following courses:
Understanding RTP®        
RTP® Rules and Regulations Overview Series
RTP® Rules and Regulations for Sending and Receiving Participants

These courses cover the fundamentals of wire transfers, best practices for frontline employees when handling wire transfer requests and the legal framework for wire transfers. It also includes a checklist to enhance your wire program's safety and efficiency, along with a quick reference guide on wire transfers. You'll also learn about BSA/AML basics, compliance programs, reporting and non-compliance, and it includes a BSA quick reference resource. 

Type of Credits: AAP/AFPP/APRP
Learning Time (Est. Hours/Minutes): 2.3
Amount of Credits: 3
Number of Classes: 6

This learning path contains the following courses:
Wires 101: Fundamentals    
Wire Transfer Requests for the Front Line
Wires 102: Legal Framework    
BSA 101: Bank Secrecy Act Basics
BSA 102: BSA/AML Compliance Programs        
BSA 201: Reporting and Non-Compliance    

These courses cover the fundamentals of wire transfers, best practices for frontline employees when handling wire transfer requests and the legal framework for wire transfers. 

Type of Credits: AAP/AFPP/APRP
Learning Time (Est. Hours/Minutes): 1.3
Amount of Credits: 1.8
Number of Classes: 3

This learning path contains the following courses:
Wires 101: Fundamentals    
Wire Transfer Requests for the Front Line    
Wires 102: Legal Framework

This learning path includes a checklist to enhance your wire program's safety and efficiency as well as a quick reference guide on wire transfers. You'll also learn about BSA/AML basics, compliance programs, reporting and non-compliance and gain access to a BSA quick reference resource. 

Type of Credits: AAP/AFPP/APRP
Learning Time (Est. Hours/Minutes): 1
Amount of Credits: 1.82
Number of Classes: 3

This learning path contains the following courses:
BSA 101: Bank Secrecy Act Basics    
BSA 102: BSA/AML Compliance Programs    
BSA 201: Reporting and Non-Compliance

This learning path is for frontline employees. It combines the basic information necessary to understand ACH, checks, cards, wires and instant payments. It also includes a high-level overview of the rules and regulations governing payments, as well as the Bank Secrecy Act. You will also find a class on how to handle gathering information for debit card disputes and how to effectively handle wire requests on the frontline. This learning path is worth 8.7 AAP/AFPP/APRP and 1.4 NCP credits

Type of Credits: AAP/AFPP/APRP/NCP
Learning Time (Est. Hours/Minutes): 7.3
Amount of Credits: 8.7
Number of Classes: 17

This learning path contains the following courses:
Payment Systems Rules and Regulations    
ACH 101: Participants and Transaction Flow    
ACH 102: Recognizing an ACH Transaction    
ACH 104: Same Day ACH    
ACH 201: Authorizations and Agreements    
RDFI Returns
ACH Stop Payments    
Unauthorized Consumer ACH Transactions    
Checks 101: Basics and Transaction Flow    
Identifying Check Fraud for the Front Line    
Understanding Check Adjustments    
Cards 101: Card System Fundamentals    
Wires 101: Fundamentals    
Wire Transfer Requests for the Front Line    
BSA 101: Bank Secrecy Act Basics
BSA 102: BSA/AML Compliance Programs    
BSA 201: Reporting and Non-Compliance
Instant Payments Basics

This learning path is for financial institution executives who need a high-level overview of some of the major rules and regulations governing payment systems. It includes courses on BSA/AML, risk management, Regulation E and Regulation CC.

Type of Credits: AAP/AFPP/APRP
Learning Time (Est. Hours/Minutes): 3.45
Amount of Credits: 4.4
Number of Classes: 9

This learning path contains the following courses:
BSA 101: Bank Secrecy Act Basics    
BSA 102: BSA/AML Compliance Programs    
BSA 201: Reporting and Non-Compliance    
Regulation E Subpart A: Fundamentals    
Regulation E Subpart A: Investigations    
Regulation E Subpart A: Disclosures / Receipts / Notices    
Regulation CC Subpart A: Purpose and Key Definitions    
ACH Risk Management: The Community Bank Board Perspective    
ACH Risk Management: The Lender's Perspective

SCORM Files Available

Select courses are now available as SCORM files so that you may add them to your own Learning Management System platform!
For more information contact Member Support at 800.500.0100.

EPCOR U FAQs

There is no limit to the number of users who can access the EPCOR U library once your institution has purchased it.

Once your institution has purchased EPCOR U, any staff member will have access to any course or publication available by visiting learning.epcor.org.

Yes, an administrator may be assigned for your institution. The default manager for your institution will be the primary contact for your membership. If you need to change managers for your group, please contact Member Support.

And yes, administrators can assign and track courses and learning paths for staff. To assign a class, the manager will only need to search for a class in the learning catalog, click on the drop-down icon next to the enroll button, click “Enroll an Employee,” select the employee(s) to enroll and then click “Submit.” To track class completion, the Manager can click on the menu button at the top left of the page, select “Team,” then click on the current learning button to view their progress.

It is highly recommended that each user access EPCOR U under their own unique Login for many reasons. First, the on-demand courses included are designed for a single user. By signing in with their unique login, each user can pause courses and resume them later. Secondly, it allows the user to keep track of their learning progress and completed courses. Also, only one certificate of completion can be awarded to each user per course.

Contact your IT Department and ask for the following websites to be whitelisted: 

    • For audio/video presentations, unblock wistia.com
    • For slide-only presentations with no audio or video, unblock filestack.com. 

All pop-up blockers and privacy software blockers should also be turned off.

Some on-demand courses are designed to have all objects and pop-ups viewed before the user can move forward. Please verify that you have viewed and completed all required assignments before trying to advance in the course. You should also check that pop-up blockers are disabled.

When you are logged into the Learning Management System (LMS) site, click on your name in the upper right-hand corner of the webpage. Under My Activity, you will see your Purchased Content, Courses and External activity. Under the Courses tab, you will see your course progress.

Contact Member Support at [email protected] for a list of completed courses for any staff at your organization.

There are more than 125 on-demand training courses and more than 35 publications/tools included in the EPCOR U Library. New courses and publications/tools will be added throughout the year and announced via e-mail or our News You Can Use e-newsletter.

Courses and Publications are listed individually for those wanting to access a tool, publication or course one at a time. However, in 2020, EPCOR arranged all courses within the “Electronic Resource License - Complete Library” by curriculum’s to easily assign courses to staff. Recommended publications for each curriculum were also added.

On-demand courses are designed for the user to complete at their own pace. Most courses take anywhere from 30 minutes to two hours to complete when attempted in one sitting. On-demand lectures typically range from 30 minutes to 1 hour, and series courses should take only 15-20 minutes.

Your subscription automatically renews, with the current year’s courses and publications being available January 1 - December 31 of each year. We will automatically renew your subscription and bill you annually until you notify us in writing that you wish to cancel. Please refer to the Auto-Renew FAQs section below for additional information.

Auto-Renew FAQs

If your institution purchased the License in 2020 or later, the License will be automatically renewed. If you have questions about this please review the questions below.

If your institution is generally debited at the end of each January for the EPCOR dues billing, the EPCOR U fee will be added to this debit amount. If your institution is invoiced for the EPCOR dues billing, the EPCOR U fee will be added to the invoice and your institution will be invoiced for one amount.

Must notify EPCOR in writing via email at [email protected] by December 31st of the year prior.

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