Search references for RUBY CHOCOLATE. Phrases containing RUBY CHOCOLATE
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Variety of chocolate
Ruby chocolate is a variety of chocolate that is pink or purple in color. Barry Callebaut, a Belgian–Swiss cocoa company, introduced it as a distinct product
Ruby_chocolate
Classification of different chocolate types
debated by chocolate experts whether ruby chocolate constitutes a new variety of chocolate or if it is a marketing strategy. Baking chocolate, or cooking
Types_of_chocolate
Swiss-Belgian cocoa producer
Japan Ltd. launched the ruby chocolate-based Ruby Sublime KitKat, becoming the first global brand to use the pink chocolate formula. The product was
Barry_Callebaut
Food produced from cacao seeds
eating chocolate exist, these include raw chocolate (made with unroasted beans) and ruby chocolate. An additional popular form of eating chocolate, gianduja
Chocolate
Confection
A chocolate bar is a confection containing chocolate, which may also contain layerings or mixtures that include nuts, fruit, caramel, nougat, and wafers
Chocolate_bar
Chocolate processed in Switzerland
Swiss chocolate (German: Schweizer Schokolade; French: chocolat suisse; Italian: cioccolato svizzero) is chocolate produced in Switzerland. Switzerland's
Swiss_chocolate
Canadian animated television series
Max's Chocolate Chicken by Rosemary Wells, April 12, 2020, archived from the original on December 29, 2023, retrieved December 29, 2023 "Max & Ruby – Characters
Max_&_Ruby
Topics referred to by the same term
up Ruby or ruby in Wiktionary, the free dictionary. A ruby is a red gemstone. Ruby may also refer to: Ruby, Alaska Ruby, Arizona Ruby, Michigan Ruby, Copiah
Ruby_(disambiguation)
Chocolate-coated liquorice confectionery
12 June 2025. Hayley Goddard (5 April 2019). "Darrell Lea releases ruby chocolate bullets in Woolworths". PerthNow. The West Australian. Retrieved 12
Chocolate_bullets
Series of television show
with Balsamic Pearls and Crostini Eliminated Crumbed Scotch Fillet with Mash Potato and Pickled Cabbage Ruby Chocolate Tart with Strawberry Ice Cream
My_Kitchen_Rules_series_14
Nigerian singer and songwriter
Ruby Ann GyangGyang, better known by her stage name Ruby Gyang, is a Nigerian singer and songwriter. She was formerly signed to Chocolate City. Ruby Gyang
Ruby_Gyang
Overview of and topical guide to chocolate
Certified-organic chocolate Raw chocolate – Chocolate made from unroasted cocoa beans Ruby chocolate – Variety of chocolate White chocolate – Chocolate made without
Outline_of_chocolate
Ice cream sandwich brand
chocolate chip with caramelized coffee ice cream oatmeal butterscotch oatmeal chocolate chip cookie with butterscotch ice cream peppermint chocolate pumpkin
Ruby_Jewel_(company)
Japanese confection variants
passionfruit Red potato Rilakkuma hotcake Rock salt Royal milk tea Ruby chocolate Sake Sakura and Soybean Powder Salt and caramel Shikuwasa Shinshu apple
Kit_Kats_in_Japan
German actor
played Helmut in Lore, and Gordon Gelderman in Ruby Red the following year. Charlie and the Chocolate Factory (2005) A Christmoose Carol [de] (2005) Berndivent
Philip_Wiegratz
Nigerian record label
DJ Caise, DJ Lambo, Jeremiah Gyang, Dice Ailes, Ruby Gyang, Koker, and Pryse, among others. Chocolate City has also worked on the careers of artists such
Chocolate_City_(record_label)
Ninth series of The Great British Bake Off
for the first time. The series was won by Rahul Mandal, with Kim-Joy and Ruby Bhogal as the runners-up. [a] Terry was ill and unable to compete in episode
The Great British Bake Off series 9
The_Great_British_Bake_Off_series_9
American multinational foodservice retailer
Ruby Tuesday Inc. is an American multinational foodservice retailer that owns, operates, and franchises Ruby Tuesday restaurants. The concept was started
Ruby_Tuesday_(restaurant)
Fourth series of The Great British Bake Off
For the showstopper, the challenge was to make a chocolate cake using at least two types of chocolate to decorate the cake. They were given 4 hours for
The Great British Bake Off series 4
The_Great_British_Bake_Off_series_4
Monthly confectionery magazine
25 July 2015. "Forget white chocolate: ruby chocolate is here, and it's pastel pink". Food. September 7, 2017. "Chocolate-taster forced to give up dream
Kennedy's_Confection
Max & Ruby is a Canadian animated children's television series based on the book series by Rosemary Wells. In Canada, the series debuted on Treehouse TV
List_of_Max_&_Ruby_episodes
Chocolate-covered wafer bar
called Kit Kat Rubies was launched in Malaysia. Coming in a box of 20 small bars, the Kit Kat Rubies bar is made with the premium chocolate truffle cream
KitKat
British actress (born 1925)
Thelma Ruby (born Thelma Wigoder; 23 March 1925) is a British actress. In addition to her long stage career, she has also appeared in radio, television
Thelma_Ruby
California 5th – Aaron McInnis, Nutritionist from Newfoundland, Canada 6th – Ruby Bloch, Baker from New Orleans, Louisiana 7th – Jessica Duggan, Home Baker
List of Spring Baking Championship episodes
List_of_Spring_Baking_Championship_episodes
Preparation and cookery of candies and sugar confections
or chocolate. A chocolatier is a person who prepares confectionery from chocolate, and is distinct from a chocolate maker, who creates chocolate from
Candy_making
1974 studio album by Cat Stevens
Buddha and the Chocolate Box is the eighth studio album by Cat Stevens, released in March 1974. Its two singles, "Oh Very Young" and "Ready", reached
Buddha_and_the_Chocolate_Box
candy bar milk, fair trade chocolate truffles, duck breasts, chayote squash Entrée: white chocolate deviled eggs, ruby chocolate, rump roast, rainbow carrots
List of Chopped episodes (season 41–present)
List_of_Chopped_episodes_(season_41–present)
Family of rabbit breeds
(includes Black, Blue, Chocolate, Lilac) Blue-Eyed White Red-Eyed White Broken Group Broken Colored Group Chestnut Chocolate Agouti Chocolate Chinchilla Chinchilla
Angora_rabbit
Private chocolate museum in Zagreb, Croatia
small chocolate fountains. During the tour, visitors receive a tasting set with a roasted cocoa bean and samples of dark, milk, white and ruby chocolate. The
Chocolate_Museum_Zagreb
Season of television series
white chocolate cookie dough pot, a milk chocolate brownie, a dark chocolate olive oil mousse and a ruby chocolate cheesecake. Chloe nailed the challenge
MasterChef Australia series 10
MasterChef_Australia_series_10
Season of television series
with Chocolate Gâteaux Rachel White Chocolate Mousse with Raspberry Cream & Mojito Pearls Zak Raspberry & Rosewater Mousse with Ruby Chocolate Jeff Coconut
Zumbo's Just Desserts season 2
Zumbo's_Just_Desserts_season_2
Eastern European sweet yeast viennoiserie cake or bread
The New York Times. Retrieved 13 April 2025. Harris, Ruby. "Three of Melbourne's Best Chocolate Babkas". Broadsheet. Whipp, Glenn (27 December 2024).
Babka
Television cooking show
cake with a Swiss meringue buttercream icing, topped with tempered ruby chocolate decorations—in two hours. For the showstopper, the bakers had three
The Great Canadian Baking Show season 4
The_Great_Canadian_Baking_Show_season_4
Eleventh series of The Great British Bake Off
make 18 chocolate brownies, in 1 hour and 30 minutes. For the technical, Paul tasked the bakers with making a traditional Jewish bake: chocolate babka,
The Great British Bake Off series 11
The_Great_British_Bake_Off_series_11
Cocoa-free chocolate alternatives, also called cocoa alternatives or cacao-free alternatives, are chocolate alternatives that look, taste, and perform
Cocoa-free chocolate alternative
Cocoa-free_chocolate_alternative
American food reality television series
be éclairs) did not puff up at all. They also said he added too much ruby chocolate into the ice cream, creating an unpleasant flavor. 5 "Paws for Applause"
Kids_Baking_Championship
Chocolate has been made and eaten in Japan since the 1870s, and has been among the country's most popular confections since the 1960s. As of 2015, Japan
Chocolate_in_Japan
American painter
Ruby Mazur is an American artist who has created the cover art of over 3,000 albums for artists including The Rolling Stones, B.B. King, Sarah Vaughn,
Ruby_Mazur
U V W X Y Z This is a list of chocolate bar brands, in alphabetical order, including discontinued brands. A chocolate bar, also known as a candy bar
List_of_chocolate_bar_brands
American writer and children's book illustrator
Max & Ruby in Pandora's Box – Max & Ruby's First Greek Myth Max & Ruby Play School Max & Ruby's Bedtime Book Max & Ruby's Busy Week Max & Ruby's Midas:
Rosemary_Wells
Breed of domestic rabbit
pounds. Accepted varieties include: REW (Ruby-Eyed White), black, tort (black, blue, lilac, chocolate), chocolate, seal, Siamese Sable, and Smoke Pearl.
Lionhead_rabbit
Retrieved 1 May 2021. "Ruby Tandoh". The New Yorker. Retrieved 31 October 2022. Tandoh, Ruby (13 July 2018). "Food columnist Ruby Tandoh on Lisbon". Financial
Finalists of The Great British Bake Off (series 1–7)
Finalists_of_The_Great_British_Bake_Off_(series_1–7)
German actor (1926–1994)
for his role as Arthur Slugworth / Mr. Wilkinson in Willy Wonka & the Chocolate Factory. He was fluent in four languages (German, French, Italian and
Günter_Meisner
Season of television series
five; Aitch, Eddie, Kelly, Martin and Shona; and Alex, Ginge, Jack, Lisa and Ruby. Each team had to compete in a challenge, with two from each team able to
I'm a Celebrity...Get Me Out of Here! (British TV series) series 25
I'm_a_Celebrity...Get_Me_Out_of_Here!_(British_TV_series)_series_25
Mexican multi-day holiday
masks, called calacas (colloquial term for skeleton), and foods such as chocolate or sugar skulls, which are inscribed with the name of the recipient on
Day_of_the_Dead
Fruit-based drink
in a variety of fruit flavours: lemon, peach, lychee, pineapple, apple, ruby grapefruit, lime, orange, blackberry, watermelon, cranberry, coconut, raspberry
Bacardi_Breezer
1970 102 Herman's Hermits Bet Yer Life I Do Mickie Most 1970 103 Hot Chocolate Love Is Life Mickie Most 1970 104 C.C.S. Whole Lotta Love Mickie Most
List of records by RAK Records
List_of_records_by_RAK_Records
Brand of ice cream products
Magnum launched new variants Rose Ruby and Salted Caramel. These are produced in a tub with a crackable outside chocolate layer. In August 2024, Magnum brought
Magnum_(ice_cream)
2016 film by Steven Spielberg
Melissa Mathison, and based on the 1982 novel. The film stars Mark Rylance, Ruby Barnhill, Penelope Wilton, Jemaine Clement, Rebecca Hall, Rafe Spall, and
The_BFG_(2016_film)
Variety of grape
Ruby Roman is a variety of table grape grown and marketed entirely in Ishikawa Prefecture, Japan. It is red in color and about the size of a ping-pong
Ruby_Roman
Strong lager
and possibly some alcohol presence as well; darker versions may have a chocolate-like or fruity aroma. The flavour is very rich and malty, with noticeable
Bock
A chocolate museum is any museum covering the subject of chocolate. Below is a list of chocolate museums. Food portal List of food and beverage museums
List_of_chocolate_museums
American actress
3B Nancy 2017 Nancy CoCo Brown 2018 Throwback Holiday Mrs. Weaver 2022 Chocolate City 3: Live Tour Tasha 2022 You Married Dat Mona's Mom 2022 Santa Games
Trisha_Mann-Grant
American television personality, entrepreneur, and author (1936–2024)
American writer and businessman. He was the founder of the Famous Amos chocolate chip cookie, the Cookie Kahuna, and Aunt Della's Cookies gourmet cookie
Wally_Amos
English actress (born 1986)
May 2018. Retrieved 30 September 2022. "Review: The Bay at Nice (Menier Chocolate Factory) | WhatsOnStage". www.whatsonstage.com. 20 March 2019. Retrieved
Ophelia_Lovibond
English type of cheese
to create dessert cheeses. It has also been used as a flavouring for chocolate. Huntsman cheese is made with both Blue Stilton and Double Gloucester
Stilton
British television baking competition
Great British Bake Off's Ruby Tandoh on Twitter". The Independent. Archived from the original on 18 June 2022. Tandoh, Ruby (22 October 2013). "The Great
The_Great_British_Bake_Off
chain Wow! Momo – Indian quick-service restaurant The Chocolate Room (cafe) – Australian chocolate cafe chain Au Bon Pain – American bakery and cafe chain
List of restaurant chains in India
List_of_restaurant_chains_in_India
Breed of rabbit
blue undercolor. Eyes—blue-gray. Chocolate, a rich chocolate brown with a dove-gray undercolor. Eyes—brown (with a ruby cast). Lilac, (UK: Pale Grey) A
Dutch_rabbit
December 30, 2019 (2019-12-30) Ingredients: Appetizer: Roasted pig head, hot chocolate French toast, cranberries, salted peppermint bark Entrée: Meringue tower
List of Chopped Sweets episodes
List_of_Chopped_Sweets_episodes
American film director and producer (1928–2012)
Wonka & the Chocolate Factory (1971) One Is a Lonely Number (1972) Wattstax (1974) Brenda Starr (1976, TV) Welcome Back, Kotter (1977, TV) Ruby and Oswald
Mel_Stuart
Theatre in Southwark, London
The Menier Chocolate Factory is a 180-seat Off-West End theatre, which comprises a bar and theatre offices. It is located at the rear of a former 1870s
Menier_Chocolate_Factory
1971 song by Gene Wilder
"Pure Imagination" is a song from the 1971 film Willy Wonka & the Chocolate Factory. It was written by British composers Leslie Bricusse and Anthony Newley
Pure_Imagination
2012 studio album by Carolina Chocolate Drops
Leaving Eden is the fourth studio album by the Carolina Chocolate Drops. A music video for "Country Girl" was released in May 2012. "Riro's House" (Traditional;
Leaving Eden (Carolina Chocolate Drops album)
Leaving_Eden_(Carolina_Chocolate_Drops_album)
American entrepreneur and author
Tamara (July 18, 2003). "Ruby et Violette cookies Practice makes perfect". The Boston Phoenix. Patronite, Rob (6 May 2002). "Chocolate-Chip Cookies". New York
Wendy_Gaynor
Portuguese fortified wine
are Ruby and Tawny. Ruby Ports are younger, being aged only a few years or less - they include regular Ruby Ports (often called "Fine Ruby"), Ruby Reserve
Port_wine
American actor (born 1965)
moved to roles as a young bigot in Soul Man and as a gang leader in The Chocolate War. He appeared in the Eddie Murphy comedy Daddy Day Care, and the critically
Wallace_Langham
American actress (born 1986)
Nonbinary Coming-of-Age Comedy Shanfeld, Ethan (April 8, 2025). "Hershey Chocolate Movie Set With 'Mean Girls' Director, Finn Wittrock and Alexandra Daddario
Alexandra_Daddario
Season 23 of American television series
of sweet potato (Covington, Norton, Purple Majesty, Murasaki, or Carolina Ruby) to highlight in their dishes. The contestants presented their dishes in
Top_Chef:_Carolinas
American professional wrestler (born 1987)
Joseph Ruby (born August 8, 1987) is an American professional wrestler. He is signed to Total Nonstop Action Wrestling (TNA), where he performs under the
Joe_Gacy
Solid material with highly ordered microscopic structure
substance known, while graphite is so soft that it is used as a lubricant. Chocolate can form six different types of crystals, but only one has the suitable
Crystal
American actor (1964–2021)
Glasses Short film Soapdish Nitwit Executive Mobsters Telephone Operator 1992 Ruby Lee Harvey Oswald 1993 Groundhog Day Phil's Assistant Kenny Untamed Heart
Willie_Garson
2025 American film
machine where he is chopped up. His body parts are coated in caramel and chocolate, then turned into more of the strange candy bars. Haley has her face blown
V/H/S/Halloween
Canadian actress
of Destruction Barbarotious - Warriors of Virtue Spanish Woman's Daughter Ruby - Immediate Family Theresa Fernandez - Voyage of Terror Carla Browning -
Venus_Terzo
1816 story by E. T. A. Hoffmann
Roald Dahl's Charlie and the Chocolate Factory, although in his tale, Charlie is a starving waif who desperately wants "CHOCOLATE" rather than cabbage soup
The Nutcracker and the Mouse King
The_Nutcracker_and_the_Mouse_King
English actor (born 1992)
beginning as a child, in the films Finding Neverland (2004), Charlie and the Chocolate Factory (2005), Arthur and the Invisibles (2006), August Rush (2007),
Freddie_Highmore
threat seriously so Ruby stabs her in the leg. Meanwhile, Shane, Billy Tutton (Michael Taylor) and Jamie try to enter the room, but Ruby has placed furniture
List of Shameless (British TV series) characters
List_of_Shameless_(British_TV_series)_characters
American actor and filmmaker (born 1972)
Congolese farmers while leveraging partnerships with companies including Theo Chocolate and Starbucks. ECI also aims to raise public awareness and drive policy
Ben_Affleck
American animated television series
their efforts in stopping Bubby and Minus. Chase scene song: "Dreaming of Chocolate" by Marisa De Silva Villains: Minus / Dillingsley, Bubby, The Sweater
Be_Cool,_Scooby-Doo!
Breed of cat
created in the early 1950s in the US by Ethylin Whittemore, Alta Smith, and Ruby Dyer in an attempt to increase the popularity of the Maine Coon. For 11 years
Maine_Coon
American actress and producer (born 1964)
Green Chocolate City (2015) as Katherine McCoy Independence Day: Resurgence (2016) as Jasmine Hiller Arkansas (2020) as 'Her" Is God Is (2026) as Ruby the
Vivica_A._Fox
melon Cardinal Carmine Carnelian Cerise Chili red Chocolate cosmos Cinnabar Claret Coquelicot Coral Cordovan Crimson
List_of_colors_by_shade
American comedian and actress (born 1986)
2023, retrieved March 13, 2023 Nicole Byer Totally Nailed It On These Chocolate Chip Cookies | My Most Delish, July 18, 2018, archived from the original
Nicole_Byer
I Was Nothing" All That Remains 2012 Metal Single Oct 6, 2015 "Gimme Chocolate!!" Babymetal 2014 Metal Single Oct 6, 2015 "Run for Cover" Blitz Kids
List of downloadable songs for the Rock Band series
List_of_downloadable_songs_for_the_Rock_Band_series
Sound and music division of Lucasfilm
– Revenge of the Sith (2005) War of the Worlds (2005) Charlie and the Chocolate Factory (2005) Jack-Jack Attack (2005) Munich (2005) Lorelei: The Witch
Skywalker_Sound
Massage (1995) Favorite Deadly Sins (1995) Out There (1995) Triplecross (1995) Ruby Jean and Joe (1996) Conundrum (1996) Boxing: A Different Look (1996) Undertow
List of Skydance television programs
List_of_Skydance_television_programs
Meat dish resembling fruit
reproducing and adapting historic foods and drinks like beef royale and chocolate wine. Blumenthal describes records of meat fruit in particular attracting
Meat_fruit
Episodes of Australian quiz show
Hockey expert Catherine – Elizabeth Kenny expert Nick – Willy Wonka & the Chocolate Factory expert Tom's round: Tom's subject – Nuclear Bombs Note: This episode
List_of_Hard_Quiz_episodes
Season of television series
showstopper, the bakers had three and a half hours to make a chocolate gateau with three layers and chocolate icing. For the signature challenge, the bakers had
The Great American Baking Show season 5
The_Great_American_Baking_Show_season_5
Australian television series season
strawberry rebellion lollipops and ruby financier. Choosing not to use her immunity pin, Therese struggled to temper her chocolate while she missed the second
MasterChef Australia series 13
MasterChef_Australia_series_13
French wine-based aperitif
Elizabeth II. Four main ingredients are used: Red wine base: a blend of Ruby Red, Ruby Cabernet and Muscat of Alexandria grapes; Herbs and spices: blackcurrant
Dubonnet
1931 0 3 Kid Chocolate 15 Jul 1931 – 20 Sep 1932 3 On 20 September 1932, the NBA decided not to recognize the division. 4 Kid Chocolate (2) (reinstated
List_of_WBA_world_champions
2010 studio album by M.I Abaga
second studio album by Nigerian rapper M.I Abaga. It was released by Chocolate City on November 23, 2010. The album features collaborations with 2face
MI_2:_The_Movie
from street vendors. Champurrado is a Mexican chocolate drink, sometimes incorrectly called "Mexican chocolate tea". It is a popular recipe exported to the
Mexican_tea_culture
American aviator, aerospace engineer and business magnate (1905–1976)
screening room for more than four months, never leaving. He ate only chocolate bars and chicken and drank only milk and was surrounded by dozens of boxes
Howard_Hughes
Australian folk and indie pop group
March 2006 Angus & Julia Stone began recording their debut extended play, Chocolates and Cigarettes, with Julia on vocals, guitar and trumpet; Angus on vocals
Angus_&_Julia_Stone
American actress March 17 - Olesya Rulin, Russian-American actress March 20 - Ruby Rose, Australian actress March 21 - Scott Eastwood, American actor and model
1986_in_film
Farbrother Damnés de la mer, Les 2008 Jawad Rhalib Dance Dreams: Hot Chocolate Nutcracker 2020 Oliver Bokelberg Oliver Bokelberg, Kenita Nichols Daniel
List_of_documentary_films
Breed of rabbit
under jaw, or underside of tail. Varieties include black, blue, chocolate, lilac, ruby-eyed white (REW), and blue-eyed white (BEW or Vienna). Shaded –
Velveteen_Lop
Antique fuchsia #915C83 57% 36% 51% 316° 22% 46% 37% 57% Plochere Antique ruby #841B2D 52% 11% 18% 350° 66% 31% 80% 52% ISCC-NBS[citation needed] Antique
List_of_colors:_A–F
travel, tourism, insurance
RUBY CHOCOLATE
RUBY CHOCOLATE
Girl/Female
French American English Latin
Jewel.
Boy/Male
Indian, Modern
Ruby
Male
Spanish
Spanish pet form of Portuguese/Spanish Rodrigo, RUY means "famous power."
Male
English
Pet form of English Reuben, RUBE means "behold, a son!"Â
Girl/Female
Muslim American
Ruby. Precious stone.
Male
Spanish
Spanish form of Hebrew Reuwben, RUBÉN means "behold, a son!"Â
Male
English
Pet form of English Reuben, RUBY means "behold, a son." Compare with feminine Ruby.
Female
English
English name derived from the name of the precious stone, from Latin ruber, RUBY means "red." This is the birthstone for July. Compare with masculine Ruby.Â
Girl/Female
Muslim
Ruby, Pearl
Male
English
Pet form of English Rudolph, RUDY means "famous wolf."
Surname or Lastname
English
English : habitational name from places so named in Merseyside (formerly in Cheshire) and County Durham or from Roby in Merseyside (formerly in Lancashire). The first is named from Old Scandinavian rá ‘pole’ + býr ‘farmstead’, ‘settlement’.French : variant of Rabin.German : habitational name from Raby in Bohemia or perhaps from Rabingen in Lower Saxony.Probably from the Saintonge region of France, a Raby or Rabis was documented in Quebec City in 1689, with the secondary surname Saintonge.
Girl/Female
Tamil
Ruby, Pearl
Girl/Female
American, Australian, Bengali, British, Chinese, Christian, Danish, Dutch, English, French, Gujarati, Indian, Jamaican, Kannada, Latin, Portuguese, Punjabi, Sikh, Swedish, Tamil
Reddish; Red Colored Precious Gemstone; Red; Ruby Jewel; Reborn; The Red Gemstone
Boy/Male
American, Australian, Hebrew, Jamaican
The Red Gemstone; Behold; A Son; Red
Boy/Male
Tamil
Ruby
Girl/Female
Hindu
Red stone
Female
English
Variant spelling of English Ruby, RUBYE means "red" or "ruby."
Girl/Female
Hindu
Ruby, Pearl
Boy/Male
Tamil
Manikya | மாஂநீகà¯à®¯à®¾
Ruby
Manikya | மாஂநீகà¯à®¯à®¾
Girl/Female
Christian & English(British/American/Australian)
Red Jewel
RUBY CHOCOLATE
RUBY CHOCOLATE
RUBY CHOCOLATE
RUBY CHOCOLATE
RUBY CHOCOLATE
RUBY CHOCOLATE
RUBY CHOCOLATE
travel, tourism, insurance