{"id":16428,"date":"2026-01-31T07:32:00","date_gmt":"2026-01-31T07:32:00","guid":{"rendered":"https:\/\/thefundmentor.com\/aa93718a-9c79-4bfa-afe6-1877ebd78234\/"},"modified":"2026-01-31T07:32:17","modified_gmt":"2026-01-31T07:32:17","slug":"aa93718a-9c79-4bfa-afe6-1877ebd78234","status":"publish","type":"post","link":"https:\/\/thefundmentor.com\/fr\/aa93718a-9c79-4bfa-afe6-1877ebd78234\/","title":{"rendered":"Kreditn\u00e1 karta Tatra banka: 6 mesiacov bez poplatku a\u00a0odmena a\u017e 55,20 EUR"},"content":{"rendered":"<\/p>\n<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">Odpor\u00fa\u010dan\u00e9 pre v\u00e1s<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">Banque Tatra<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">Z\u00edskajte kreditn\u00fa kartu Tatra banky a\u017e na 6 mesiacov bez poplatku a\u00a0dostanete bonus a\u017e 55,20 EUR. Limit a\u017e do 15\u00a0000 \u20ac. V\u00fdhodn\u00e9 poistenie cestovania.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/thefundmentor.com\/fr\/redirect\/?https:\/\/www.tatrabanka.sk\/sk\/kreditna-karta\/\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Po\u017eiada\u0165 ihne\u010f<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">Budete presmerovan\u00ed na in\u00fa str\u00e1nku<\/small>\n<\/div>\n<p>Kreditn\u00e1 karta Tatra banky pon\u00faka nov\u00fd atrakt\u00edvny benefit: vedenie karty bez poplatku na \u0161es\u0165 mesiacov. Navy\u0161e, pri zriaden\u00ed cestovn\u00e9ho poistenia z\u00edskate odmenu a\u017e 55,20 EUR. Kreditka je ide\u00e1lnym rie\u0161en\u00edm pre t\u00fdch, ktor\u00ed chc\u00fa flexibilne vyu\u017e\u00edva\u0165 finan\u010dn\u00fa rezervu.<\/p>\n<p>Dostupn\u00e9 s\u00fa tri typy kariet: Visa \u0161tandard, Visa zlat\u00e1 a Visa platinum, pri\u010dom \u00faverov\u00fd r\u00e1mec za\u010d\u00edna u\u017e od 400 \u20ac a siaha a\u017e do v\u00fd\u0161ky 15 000 \u20ac v z\u00e1vislosti od variantu a schv\u00e1lenia. \u00darokov\u00e9 sadzby sa pohybuj\u00fa od 10,90 % do 18,80 % ro\u010dne.<\/p>\n<p>Navy\u0161e, bez\u00faro\u010dn\u00e9 obdobie trv\u00e1 a\u017e 51 dn\u00ed pri splnen\u00ed podmienok, \u010do umo\u017e\u0148uje spl\u00e1ca\u0165 vyu\u017eit\u00e9 financie bez \u00farokov, ak uhrad\u00edte 100 % dl\u017enej sumy v\u010das.<\/p>\n<h2>Postup podania \u017eiadosti o kreditn\u00fa kartu<\/h2>\n<p>Prv\u00fdm krokom je digit\u00e1lne vyplnenie \u017eiadosti online alebo prostredn\u00edctvom aplik\u00e1cie Tatra banka. Proces je r\u00fdchly a dostupn\u00fd aj pre neklientov.<\/p>\n<p>Klienti m\u00f4\u017eu \u017eiados\u0165 poda\u0165 v aplik\u00e1cii v sekcii Ponuky, kde sa zobrazia dostupn\u00e9 mo\u017enosti. Po vyplnen\u00ed \u00fadajov je \u017eiados\u0165 predlo\u017een\u00e1 na schv\u00e1lenie.<\/p>\n<p>Po schv\u00e1len\u00ed je nutn\u00e9 podp\u00edsa\u0165 zmluvu elektronicky. Karta je n\u00e1sledne pripraven\u00e1 na okam\u017eit\u00e9 pou\u017eitie v pe\u0148a\u017eenke Google Pay alebo Apple Pay.<\/p>\n<p>Pri zriaden\u00ed cestovn\u00e9ho poistenia UNIQA cez banku m\u00e1te n\u00e1rok na bonus. Takto nielen z\u00edskate odmenu, ale aj komplexn\u00fa ochranu na cest\u00e1ch.<\/p>\n<p>Ak nie ste klientom banky, nie je potrebn\u00e9 otv\u00e1ra\u0165 be\u017en\u00fd \u00fa\u010det; kreditn\u00fa kartu m\u00f4\u017eete ma\u0165 aj bez neho.<\/p>\n<h2>V\u00fdhody Tatra banka kreditnej karty<\/h2>\n<p>Jednou z najv\u00e4\u010d\u0161\u00edch konkuren\u010dn\u00fdch v\u00fdhod je obdobie bez poplatku a bonus pri uzatvoren\u00ed poistenia. To v\u00e1m umo\u017e\u0148uje vysk\u00fa\u0161a\u0165 si kreditku bez rizika.<\/p>\n<p>Benefity ako cashback po\u010das naroden\u00edn, z\u013eavy u obchodn\u00edkov a program odme\u0148ovania TB robia z tejto karty v\u00fdhodn\u00fa vo\u013ebu pre be\u017en\u00e9 n\u00e1kupy aj cestovanie.<\/p>\n<p>Z\u00e1kazn\u00edci ocenia aj p\u00fatav\u00fd zdravotn\u00fd program My Doctor, ktor\u00fd zah\u0155\u0148a napr\u00edklad preferen\u010dn\u00e9 objedn\u00e1vanie na vy\u0161etrenia alebo druh\u00fd lek\u00e1rsky n\u00e1zor.<\/p>\n<p>S mo\u017enos\u0165ou pou\u017e\u00edva\u0165 kartu v mobile cez mobiln\u00e9 platby sa komfort e\u0161te zn\u00e1sobuje. Aj blokovanie \u010di vydanie n\u00e1hradnej karty zvl\u00e1dnete online.<\/p>\n<p>K dispoz\u00edcii je tie\u017e exkluz\u00edvny pr\u00edstup do letiskov\u00fdch sal\u00f3nikov pod\u013ea typu karty, \u010do ocenia najm\u00e4 \u010dasto cestuj\u00faci.<\/p>\n<h2>Nev\u00fdhody kreditnej karty Tatra banka<\/h2>\n<p>\u00darokov\u00e1 sadzba m\u00f4\u017ee by\u0165 u niektor\u00fdch typov kariet vy\u0161\u0161ia, ak nevyu\u017eijete bez\u00faro\u010dn\u00e9 obdobie. Na to treba myslie\u0165 pri pl\u00e1novan\u00ed spl\u00e1tok.<\/p>\n<p>Kreditn\u00e1 karta je \u00faverov\u00fd produkt a neobozretn\u00e9 hospod\u00e1renie m\u00f4\u017ee vies\u0165 k zbyto\u010dn\u00e9mu zadl\u017eeniu.<\/p>\n<p>Niektor\u00e9 doplnkov\u00e9 benefity s\u00fa viazan\u00e9 na vy\u0161\u0161iu verziu karty (zlat\u00e1\/platinum), \u010do m\u00f4\u017ee by\u0165 menej v\u00fdhodn\u00e9 pre dr\u017eite\u013eov z\u00e1kladnej verzie.<\/p>\n<p>Mesa\u010dn\u00e9 poplatky za vedenie m\u00f4\u017eu by\u0165 u pr\u00e9miov\u00fdch kariet v\u00fdraznej\u0161ie, ak nespln\u00edte podmienky programu odme\u0148ovania.<\/p>\n<p>Kreditn\u00fa kartu odpor\u00fa\u010dame d\u00f4kladne pos\u00fadi\u0165 pod\u013ea va\u0161ich osobn\u00fdch potrieb a zv\u00e1\u017ei\u0165 svoje mo\u017enosti spl\u00e1cania.<\/p>\n<h2>Verdikt<\/h2>\n<p>Kreditn\u00e1 karta Tatra banka pote\u0161\u00ed najm\u00e4 t\u00fdch, ktor\u00ed chc\u00fa vysk\u00fa\u0161a\u0165 v\u00fdhody \u00faverovej karty bez vstupn\u00fdch poplatkov a z\u00e1rove\u0148 z\u00edskaj\u00fa zauj\u00edmav\u00fd bonus.<\/p>\n<p>S rozsiahlou ponukou typov a bohat\u00fdmi benefitmi je vhodn\u00e1 pre akt\u00edvnych u\u017e\u00edvate\u013eov aj pre klientov h\u013eadaj\u00facich extra slu\u017eby ako poistenie \u010di zdravotn\u00fa asistenciu.<\/p>\n<p>Flexibiln\u00fd sp\u00f4sob \u017eiadosti, okam\u017eit\u00e1 dostupnos\u0165 karty a jednoduch\u00e9 ovl\u00e1danie cez mobil patria k hlavn\u00fdm plusom oproti konkurencii.<\/p>\n<p>Vzh\u013eadom na \u00farokov\u00e9 sadzby, ktor\u00e9 m\u00f4\u017eu by\u0165 vy\u0161\u0161ie mimo bez\u00faro\u010dn\u00e9ho obdobia, odpor\u00fa\u010dame pou\u017e\u00edva\u0165 kartu uv\u00e1\u017elivo a v\u010das spl\u00e1ca\u0165 svoje z\u00e1v\u00e4zky.<\/p>\n<p>Ak h\u013ead\u00e1te univerz\u00e1lnu kreditn\u00fa kartu so zauj\u00edmav\u00fdmi bonusmi na SK trhu, Tatra banka stoj\u00ed za va\u0161e zv\u00e1\u017eenie.<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">Odpor\u00fa\u010dan\u00e9 pre v\u00e1s<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">Banque Tatra<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">Z\u00edskajte kreditn\u00fa kartu Tatra banky a\u017e na 6 mesiacov bez poplatku a\u00a0dostanete bonus a\u017e 55,20 EUR. Limit a\u017e do 15\u00a0000 \u20ac. V\u00fdhodn\u00e9 poistenie cestovania.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/thefundmentor.com\/fr\/redirect\/?https:\/\/www.tatrabanka.sk\/sk\/kreditna-karta\/\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Po\u017eiada\u0165 ihne\u010f<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">Budete presmerovan\u00ed na in\u00fa str\u00e1nku<\/small>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Kreditn\u00e1 karta Tatra banka pon\u00faka 6 mesiacov bez poplatku aj bonus 55,20\u00a0EUR. Flexibiln\u00fd \u00faver do 15 000\u00a0\u20ac. V\u00fdhody, poistenie a recenzia \u2013 zistite, \u010di sa oplat\u00ed!<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kreditn\u00e1 karta Tatra banka: 6 mesiacov bez poplatku a\u00a0odmena a\u017e 55,20 EUR - The Fund Mentor<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thefundmentor.com\/fr\/aa93718a-9c79-4bfa-afe6-1877ebd78234\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kreditn\u00e1 karta Tatra banka: 6 mesiacov bez poplatku a\u00a0odmena a\u017e 55,20 EUR - The Fund Mentor\" \/>\n<meta property=\"og:description\" content=\"Kreditn\u00e1 karta Tatra banka pon\u00faka 6 mesiacov bez poplatku aj bonus 55,20\u00a0EUR. Flexibiln\u00fd \u00faver do 15 000\u00a0\u20ac. V\u00fdhody, poistenie a recenzia \u2013 zistite, \u010di sa oplat\u00ed!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/thefundmentor.com\/fr\/aa93718a-9c79-4bfa-afe6-1877ebd78234\/\" \/>\n<meta property=\"og:site_name\" content=\"The Fund Mentor\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-31T07:32:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-31T07:32:17+00:00\" \/>\n<meta name=\"author\" content=\"Bruno Gianni\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bruno Gianni\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/thefundmentor.com\/aa93718a-9c79-4bfa-afe6-1877ebd78234\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/thefundmentor.com\/aa93718a-9c79-4bfa-afe6-1877ebd78234\/\"},\"author\":{\"name\":\"Bruno Gianni\",\"@id\":\"https:\/\/thefundmentor.com\/#\/schema\/person\/d52888235fd6563bd07d97185d6a61e4\"},\"headline\":\"Kreditn\u00e1 karta Tatra banka: 6 mesiacov bez poplatku a\u00a0odmena a\u017e 55,20 EUR\",\"datePublished\":\"2026-01-31T07:32:00+00:00\",\"dateModified\":\"2026-01-31T07:32:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/thefundmentor.com\/aa93718a-9c79-4bfa-afe6-1877ebd78234\/\"},\"wordCount\":751,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/thefundmentor.com\/#organization\"},\"articleSection\":[\"Hidden\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/thefundmentor.com\/aa93718a-9c79-4bfa-afe6-1877ebd78234\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/thefundmentor.com\/aa93718a-9c79-4bfa-afe6-1877ebd78234\/\",\"url\":\"https:\/\/thefundmentor.com\/aa93718a-9c79-4bfa-afe6-1877ebd78234\/\",\"name\":\"Kreditn\u00e1 karta Tatra banka: 6 mesiacov bez poplatku a\u00a0odmena a\u017e 55,20 EUR - The Fund Mentor\",\"isPartOf\":{\"@id\":\"https:\/\/thefundmentor.com\/#website\"},\"datePublished\":\"2026-01-31T07:32:00+00:00\",\"dateModified\":\"2026-01-31T07:32:17+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/thefundmentor.com\/aa93718a-9c79-4bfa-afe6-1877ebd78234\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/thefundmentor.com\/aa93718a-9c79-4bfa-afe6-1877ebd78234\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/thefundmentor.com\/aa93718a-9c79-4bfa-afe6-1877ebd78234\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/thefundmentor.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Kreditn\u00e1 karta Tatra banka: 6 mesiacov bez poplatku a\u00a0odmena a\u017e 55,20 EUR\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/thefundmentor.com\/#website\",\"url\":\"https:\/\/thefundmentor.com\/\",\"name\":\"The Fund Mentor\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/thefundmentor.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/thefundmentor.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/thefundmentor.com\/#organization\",\"name\":\"The Fund Mentor\",\"url\":\"https:\/\/thefundmentor.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/thefundmentor.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/thefundmentor.com\/wp-content\/uploads\/sites\/506\/2025\/11\/Logo-The-Fund-Mentor.png\",\"contentUrl\":\"https:\/\/thefundmentor.com\/wp-content\/uploads\/sites\/506\/2025\/11\/Logo-The-Fund-Mentor.png\",\"width\":600,\"height\":600,\"caption\":\"The Fund Mentor\"},\"image\":{\"@id\":\"https:\/\/thefundmentor.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/thefundmentor.com\/#\/schema\/person\/d52888235fd6563bd07d97185d6a61e4\",\"name\":\"Bruno Gianni\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/thefundmentor.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/0f5d42d7bf77874643c1478932860e3f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/0f5d42d7bf77874643c1478932860e3f?s=96&d=mm&r=g\",\"caption\":\"Bruno Gianni\"},\"description\":\"Bruno writes the way he lives, with curiosity, care, and respect for people. 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