Houston gets a surprising brake on new list of U.S. cities with worst commute

tick, tock

Here's how the Bayou City ranks on list comparing longest commute times. Photo by Manuel Velasquez on Unsplash

Given the continuous gridlock Houston drivers face, it would be safe to assume our fair city faces the worst commute time in Texas and the even the nation. Not so.

A new report by SmartAsset ranks a surprising Texas city as the worst in the Lone Star State for commute time: Garland. The north Texas city ranked No. 3 in the nation for longest commute time, according to the SmartAsset survey.

Garland ranked No. 3 worst, only out-trafficked by two California cities — Stockton and Bakersfield — which came in first and second, respectively. (Another shocker: Los Angeles didn't lead the list, which landed at No. 25.)

Houston doesn't appear until much further down the list at No. 23 — tied with Dallas. The average commute time in Houston is 26.1 minutes, while 5.8 percent of Houstonians face a "severe" commute of 60 minutes or more. Houstonians spend a tiny bit more of their income on transportation costs than Dallas drivers do (9.9 percent vs. 9 percent). In Dallas, the average commute time in Dallas is 25.7 minutes; 6.5 percent of Dallasites face a "severe" commute.

The only other Texas city to land in the top 10 is El Paso, which comes in seventh. The city ranks second overall for transportation costs relative to income, with commuters paying 14.13 percent of their median household income for transportation in the city and surrounding areas, SmartAsset says.

Elsewhere in Texas, city rankings were:

  • Arlington, No. 33
  • Fort Worth, No. 47
  • Irving, No. 50
  • Plano, No. 52
  • San Antonio, No. 55
  • Lubbock, No. 61
  • Austin, No. 64
  • Corpus Christi, No. 78
  • Laredo, No. 81

Interestingly, SmartAsset notes, despite the rise in remote work the past few years, the average commute time went down by only one minute in five years. The national average decreased from 26.6 minutes in 2016 to 25.6 minutes in 2021, they say, while the percentage of remote workers has tripled in about half the time.

"Workers in 2023 will average almost 222 hours (or a little over nine days) driving to and from work," the report says. "And these hours spent in transit cost commuters more than just their time. The price of fuel, public transit passes and other commuter-related costs can add up quickly."

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This article originally ran on CultureMap.

So this is how the other half lives. Photo by Austin Distel on Unsplash

Here's the income it takes to live among the top 1 percent in Texas

isn't that rich?

Wondering how "the other half lives" is so outdated, especially when we we can easily peek into what life is like for the "one percent." A new report from SmartAsset reveals how much money you'll need to be considered the top one percent in Texas.

With two Houston suburbs landing among the richest cities in Texas in a recent report, it's obvious that the Lone Star State is dotted with pockets of wealth. But how much do you actually need in your pocket to have a top one percent income?

In Texas, an annual income of $641,400 will land you at the top, while $258,400 only gets you to the top five percent.

To come up with those numbers, SmartAsset analyzed 2019 data from IRS tax units and adjusted the figures to 2022 dollars using the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) from the Bureau of Labor Statistics.

For comparison, "the average American household earns a median income of under $70,000," according to the study. And per the latest figures from the U. S. Census Bureau, the median household income in Texas (in 2021 dollars) is $67,321. That leaves plenty of us with a long way to go in our financial striving.

So now we know how we compare to our neighbors, but where does that put the affluent population of Texas in comparison with other states?

For starters, Texas claimed the 10th highest income required to reach top income levels.

The one percent income threshold is hardest to meet in Connecticut ($955,000), Massachusetts ($900,000), New Jersey ($825,965), New York ($817,796), and California ($805,519). Only these five states have thresholds that exceed $800,00, and it's a pretty steep drop down to Texas ($641,400) in 10th place.

The five states where it's easiest to attain one percent status (even though that doesn't seem like good news) are Kentucky ($447,300), Arkansas ($446,276), New Mexico ($418,970), Mississippi ($383,128), and West Virginia ($374,712).

The SmartAsset report also included average tax rates for top earners in each state. There was surprisingly little variance in the top 10 states, with Washington state having the lowest rate (25.02%) and Connecticut collecting the highest tax rate (27.77%).

Texas was in the middle of the pack with a tax rate of 25.71% levied on top one percent incomes.

The 10 states with the highest earnings required to be a one-percenter and their tax rates are:

  1. Connecticut ($955.3K, Tax rate 27.77%)
  2. Massachusetts ($896.9K, Tax rate 26.4%)
  3. New Jersey ($826K, Tax rate 27.36%)
  4. New York ($817.8K, Tax rate 27.48%)
  5. California ($805.5K, Tax rate 26.78%)
  6. Washington ($736.1K, Tax rate 25.02%)
  7. Colorado ($682.9K, Tax rate 25.24%)
  8. Florida ($678.8K, Tax rate 25.23%)
  9. Illinois ($666.2K, Tax rate 26.23%)
  10. Texas ($641.4K, Tax rate 25.71%)
If you're on your way to being a top earner and want to do a deeper dive on those numbers, you can view the full report on the SmartAsset website.

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This article originally ran on CultureMap.

Rice once again is named the best collegiate value in Texas. Photo courtesy of Rice University

Rice University rises to No. 1 spot in new ranking of best college investments

money moves

By one measure, earning a degree at Rice University is the smartest move in the Lone Star State.

In its eighth annual ranking of colleges and university that give students the best return on their educational investment, personal finance website SmartAsset places Rice at No. 1 in Texas and No. 10 in the U.S. It’s the only Texas school to break into the national top 10.

To determine the best-value colleges and universities in each state, SmartAsset crunched data in these categories: scholarships and grants, starting salary for new graduates, tuition, living costs, and retention rate.

While the tuition ($47,350) and student living costs ($17,800) at Rice are the highest among the top 10 Texas schools on the list, the average amount of scholarships and grants ($43,615), average starting salary ($77,900), and retention rate (97 percent) also are among the highest.

According to Rice, tuition, fees, on-campus room and board, books, and personal expenses for the 2022-23 academic year add up to $74,110. That figure, which excludes financial aid, applies to a full-time, degree-seeking student living on campus.

“Rice University is consistently ranked as a best value in higher education and is one of America’s leading teaching and research universities,” the school’s Office of Financial Aid says. “By attending Rice, you will not only receive a superior education at a reasonable cost, you also will benefit from having a Rice degree long after graduation.”

Three other schools in or near the Houston metro area appear on SmartAsset’s list of the biggest-bang-for-your-buck schools in Texas:

  • Prairie View A&M University, No. 4. The university posted the lowest retention rate (74 percent) among the 10 schools. The remaining figures sit roughly in the middle of the pack.
  • University of Houston, No. 5. The university’s tuition ($8,913) was the lowest in the top 10, as was the average amount of scholarships and grants ($6,544).
  • Texas A&M University-College Station, No. 6. The university’s living costs are the second highest among the top 10 ($17,636), while its average starting salary for new grads lands at No. 3 ($64,400).

Other schools in the state’s top 10 are:

  • University of Texas at Austin, No. 2.
  • University of Texas at Dallas (Richardson), No. 3.
  • Texas Tech University in Lubbock, No. 7.
  • LeTourneau University in Longview, No. 8.
  • University of North Texas in Denton, No. 9.
  • Texas State University in San Marcos, No. 10.

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This article originally ran on CultureMap.

Houston is again ranked a top city for women in tech. Photo via Getty Images

Houston rises in the ranks among the top cities for women in tech

we're no. 3

Houston has again made it into the top cities for women in tech — beating out everywhere but Arlington, Virginia, and Washington, D.C.

Up four spots compared to last year, Houston comes in third place on SmartAsset's eighth annual list, which factors in four metrics: gender pay gap in the tech industry, income for women in tech after deducting housing costs, women as a percentage of tech workers, and three-year growth in tech employment. Aside from Houston, Texas's only other top 15 representation is Fort Worth, which ranks as No. 6.

The Bayou City ranks No.1 overall for the gender pay gap —women earned 98 percent of what men do in the tech workforce on average, the report finds. Female tech workers earn $65,662 after housing expenses are accounted for — ranking ninth-best. Between 2017 and 2020, total tech employment grew by 13 percent and in that workforce, 27.5 percent of workers are women.

The annual study found that while the tech industry is seeing steady growth and is projected to see another 178,000 tech jobs enter the market in 2022, the gender gap is also consistently disappointing. Women only make up 26.1 percent of all tech workers, per the report, and earn just 84 percent of what their male counterparts do.

The West Coast doesn't make a great impact on the list this year.

"Surprisingly, no California cities made the top 10," SmartAsset reports. "Overall, California cities fall behind for tech employment growth over the last three years and the gender pay gap. The highest ranked California city is Sacramento which ties for No. 11 with Nashville, Tennessee."

Houston ranked No. 6 on the same study in 2020 and No. 4 in 2019.

Based on business activity in town, a new study ranks Houston as a top city for Asian Americans. Photo via Getty Images

Houston ranks as No. 3 city for Asian American entrepreneurs

diverse city

Known for its diversity, Houston ranks as the third best major metro area in the U.S. for Asian American entrepreneurs, according to a new study.

Personal finance website SmartAsset analyzed data for 52 of the largest metro areas to come up with the ranking. The analysis looked at nine metrics in three categories: prevalence of Asian-owned businesses, success of new businesses, and income and job security.

About 9 percent of the Houston metro area’s residents identify as Asian.

The SmartAsset study puts Houston in fifth place for the number of Asian-owned businesses (nearly 19,900) and in fourth place for the share of Asian-owned businesses (almost 17.9 percent) among all businesses. Furthermore, Houston ranks 14th for the increase (nearly 9.6 percent) in the number of Asian-owned businesses from 2017 to 2019.

Leading the SmartAsset list is the San Francisco metro area, followed by Dallas-Fort Worth. Austin comes in at No. 11 and San Antonio at No. 14.

The largest minority-owned business in the Houston area, as ranked by annual revenue, is Asian-owned private equity firm ZT Corporate.

Founded in 1997 by Chairman and CEO Taseer Badar, who was born in Pakistan, ZT Corporate is valued at more than $1 billion. ZT Corporate generates more than $900 million in annual revenue, according to the company, and employs over 3,000 people.

“As we look ahead, the vision for ZT Corporate is limitless. Our team will continue pushing boundaries and finding the bright spots in the economy that produce consistent financial gains for our investors,” Badar says in a news release marking his company’s 25th anniversary.

ZT Corporate’s flagship businesses are:

  • Altus Community Healthcare, a provider of health care services.
  • ZT Financial Services, a wealth management firm.
  • ZT Motors, which owns and operates auto dealerships. Last year, ZT Motors bought three Ron Carter dealerships in the Houston area.

“ZT Corporate is a vital asset to our citizens as a longtime local employer,” Houston Mayor Sylvester Turner says, “and has positively affected many lives through their health care organizations and philanthropic efforts.”

Galveston is a great place to start a small business. Photo courtesy of Galveston Island Visitors & Convention Bureau

Houston's coastal neighbor named No. 2 in Texas for small business

shore enough

Given the multi-tiered economy of Houston and population explosion in Austin, it might be easy to consider these two cities and counties the tops in Texas for small business. However, a new report lists a somewhat surprising county as second overall for small and growing companies.

Personal finance website Smart Asset ranks Galveston County the No. 2 place in Texas for small business owners. Nationally, Galveston County lands at an impressive No. 5.

Little wonder, given the tourism power Galveston County generates. Consider that visitors to Galveston Island spent $883 million in 2019, which generated $1.2 billion in total business sales, including indirect and induced impacts, according to a report on the county's economic impact.

Such impact also means companies were hiring: A total of 11,542 jobs were sustained by visitors to Galveston Island in 2019. This included 8,930 direct and 2,612 indirect and induced jobs, the report adds. That visitor spending directly supported 8,930 jobs in 2019, representing 27 percent of total employment in Galveston Island.

To come up with its list, the website examined federal data to zero in on three factors: the number of small businesses operating in each county, how much income they generate, and what they pay in taxes.

Smart Asset then weighed each set of data to develop an index score, with 100 being the top number. Galveston posted 42.62 percent in small business returns, 18.06 percent in small business income, and average of $7,633 in income taxes, and an overall score of 94 in the study’s small business index.

Elsewhere in Texas, Dallas County ranks top in Texas for small business owners and No. 4. in the U.S.

Courtesy of Smart Asset, here’s the rest of this year’s top 10 counties in Texas for small business owners:

  • Galveston County, No. 2 in the state and No. 5 nationally.
  • Haskell County (north of Abilene), No. 3 in the state and No. 6 nationally.
  • Titus County (east of Sulphur Springs), No. 4 in the state and No. 8 nationally.
  • Matagorda County (east of Victoria), No. 5 in the state and No. 9 nationally.
  • Goliad County (west of Victoria), No. 6 in the state (not in national top 10).
  • Glasscock County (east of Midland), No. 7 in the state (not in national top 10).
  • Stonewall County (northwest of Abilene), No. 8 in the state (not in national top 10).
  • Brooks County (north of McAllen), No. 9 in the state (not in national top 10).
  • Midland County (Midland metro area), No. 10 in the state (not in national top 10).
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This article originally ran on CultureMap.

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Med tech firm expands footprint, Houston innovator assumes new role, and more local innovation news

short stories

Houston's innovation ecosystem has had some big news this month, from new job titles for Houston innovators to expanding office space.

In this roundup of Houston startup and innovation news, a Houston organization expands its footprint in the TMC, Rice University opens applications for a cleantech accelerator, and more.

Organization expands footprint in Houston

Proxima CRO has announced its expansion within TMCi. Photo via Twitter

Proxima Clinical Research, a contract research organization headquartered in Houston, announced that it is expanding its office space in the Texas Medical Center Innovation Factory.

"Texas Medical Center is synonymous with innovation, and the TMC Innovation space has proven an ideal location for our CRO. It's an important part of our origin story and a big part of our success," says Kevin Coker, CEO and co-founder of Proxima CRO, in a news release.

The expansion will include around 7,500-square feet of additional office space.

"The resources found across TMC's campuses allow for companies such as Proxima Clinical Research to achieve clinical and business milestones that will continue to shape the future of life sciences both regionally and globally. We are excited for Proxima to expand their footprint at TMC Innovation Factory as they further services for their MedTech customers," says Tom Luby, director of TMC Innovation, in the release.

$20M grant fuels hardtech program's expansion

Activate is planting its roots in Houston with a plan to have its first set of fellows next year. Photo via Activate.org

A hardtech-focused nonprofit officially announced its Houston expansion this week. Activate, which InnovationMap reported was setting up its fifth program here last month, received a $20M commitment by the National Science Foundation to fuel its entrance into the Bayou City.

“Houston’s diversity offers great promise in expanding access for the next generation of science entrepreneurs and as a center of innovation for advanced energy," says NSF SBIR/STTR program director Ben Schrag in a news release.

The organization was founded in Berkeley, California, in 2015 to bridge the gap between the federal and public sectors to deploy capital and resources into the innovators creating transformative products. The nonprofit expanded its programs to Boston and New York before launching a virtual fellowship program — Activate Anywhere, which is for scientists 50 or more miles outside one of the three hubs.

“We are delighted to be opening our newest Activate community in Houston,” says Activate Anywhere managing director Hannah Murnen, speaking at the annual Advanced Research Projects Agency-Energy Innovation Summit. “Houston is a city where innovation thrives, with an abundance of talent, capital, and infrastructure—the perfect setting for the Activate Fellowship.”

Activate is still looking its Houston’s first managing director is actively underway and will select fellows for Activate Houston in 2024.

TMC names new entrepreneur in residence

Zaffer Syed has assumed a new role at TMC. Photo via TMC.org

Houston health tech innovator has announced that he has joined the Texas Medical Center's Innovation Factory as entrepreneur in residence for medtech. Zaffer Syed assumed the new role this month, according to his LinkedIn, and he's been an adviser for the organization since 2017.

Syed has held a few leadership roles at Saranas Inc., a medical device company founded in Houston to detect internal bleeding following medical procedures. He now serves as adviser for the company.

"As CEO of Saranas, he led the recapitalization of the company that led to the FDA De Novo classification and commercial launch of a novel real-time internal bleed monitoring system for endovascular procedures," reads the TMC website. "Zaffer oversaw clinical development, regulatory affairs and strategic marketing at OrthoAccel Technologies, a private dental device startup focused on accelerating tooth movement in patients undergoing orthodontic treatment.

"Prior to working in startup ventures, Zaffer spent the first 13 years of his career in various operational roles at St. Jude Medical and Boston Scientific to support the development and commercialization of Class III implantable devices for cardiovascular and neuromodulation applications."

TMC is currently looking for an entrepreneur in residence for its TMCi Accelerator for Cancer Therapeutics program.

Applications open for clean energy startup program

Calling all clean energy startups. Photo courtesy of The Ion

The Clean Energy Accelerator, an energy transition accelerator housed at the Ion and run by the Rice Alliance for Technology and Entrepreneurship, has opened applications for Class 3. The deadline to apply is April 14.

The accelerator, which helps early-stage ventures reach technical and commercial milestones through hybrid programming and mentorship, will host its Class 3 cohort from July 25 to Sept. 22.

“Accelerating the transition to a net-zero future is a key goal at Rice University. Through accelerating the commercial potential of our own research as well as supporting the further adoption of global technologies right here in Houston, the Rice Alliance Clean Energy Accelerator is proof of that commitment,” says Paul Cherukuri, vice president of innovation at Rice, in a news release. “The Rice Alliance has all the critical components early-stage energy ventures need for success: a corporate innovation network, energy investor network, access to mentors and a well-developed curriculum. This accelerator program is a unique opportunity for energy startups to successfully launch and build their ventures and get access to the Houston energy ecosystem.”

According to Rice, the 29 alumni companies from Class 1 and 2 have gone on to secure grants, partnerships, and investments, including more than $75 million in funding. Companies can apply here, learn more about the accelerator here or attend the virtual information session April 3 by registering here.

Houston-based real estate giant rolls out sustainability-focused business unit

seeing green

Houston-based real estate investor, developer, and manager Hines is stepping up its commitment to sustainability.

The company just formed a business unit, EXP by Hines, that is aimed at addressing “the disruptive changes in the built environment.”

EXP by Hines comprises two parts: Global ESG and the Global Venture Lab. Doug Holte, who was a senior partner at Hines from 1987 to 2009, has been hired as CEO of EXP.

“EXP by Hines is an engine of growth using the most innovative ideas in capital, culture, and environmental stewardship to connect every stakeholder in the built environment and create healthy, activated communities,” Holte says in a news release. “EXP is looking beyond the boundaries of real estate to solve complex problems while creating long-term value.”

Peter Epping, who joined Hines in 2001, is the company’s global head of ESG (environmental, social, and governance). A 2022 survey by professional services firm Deloitte found that ESG continues to gain ground in the corporate world. Business executives questioned for the survey believe ESG strategies will:

  • Strengthen stakeholder trust
  • Elevate brand reputation
  • Boost employee retention
  • Improve ROI
  • Reduce risk

Kathryn Scheckel, who joined Hines in 2019, leads the company’s new Global Venture Lab, which is tasked with identifying and accelerating ventures, partnerships and investments. The lab includes a startup incubator and a VC arm.

According to the news release, priorities of the Global Venture Lab include innovations in the use of physical space, development of ESG solutions, and creation of “revolutionary built-world technologies.”

The efforts being spearheaded by Holte, Epping, and Scheckel are geared in part toward Hines achieving net zero carbon by 2040 in its nearly 231 million-square-foot global portfolio without buying carbon credits.

5 most popular innovation stories in Houston this week

what's trending

Editor's note:Another week has come and gone, and it's time to round up the top headlines from the past few days. Trending Houston tech and startup news on InnovationMap included high-tech space suits revealed, tips from a unicorn startup founder, and more.


Houston space tech company secures third NASA mission, reveals new spacesuits

Axiom Space has announced plans for its third commercial space launch and revealed details of its high-tech spacesuit. Photo courtesy of NASA

A Houston-based space tech company has revealed details on two of its commercial partnerships with NASA.

NASA and Axiom Space have again signed a mission order for a private astronaut mission to the International Space Station. The mission will commence sometime in November or on and will be from the agency’s NASA’s Kennedy Space Center in Florida. Axiom Mission 3 is the third mission of its kind and, according to a statement from NASA, is expected to be a 14-day trip.

The ISS's Multilateral Crew Operations Panel will approve four proposed crew members and two back up crew submitted by Axiom for the Ax-3 mission. The crew will be expected to train for their flight with NASA, international partners, and SpaceX beginning this spring, according to NASA.

“Axiom Space’s selection to lead the next private astronaut mission to the International Space Station enables us to continue expanding access to nations, academia, commercial entities, and emerging industries to research, test, and demonstrate new technologies in microgravity,” says Michael Suffredini, CEO and president of Axiom Space, in the release. “As NASA’s focus shifts back to the Moon and on to Mars, we are committed to transforming low-Earth orbit into a global space marketplace, where access to space moves beyond the partners of the space station to nations, institutions and individuals with new ideas fueling a thriving human economy beyond Earth.” Read more.

7 lessons from a Houston-based unicorn startup founder

Gaurab Chakrabarti, the CEO and co-founder of Solugen, shared his entrepreneurial journey on the SXSW stage this year. Photo courtesy of the Greater Houston Partnership

At a fireside chat at SXSW, a Houston founder pulled back the curtain on his entrepreneurial journey that's taken him from an idea of how to make the chemicals industry more sustainable to a company valued at over $2 billion.

Gaurab Chakrabarti, the CEO and co-founder of Solugen, joined the Greater Houston Partnership's Houston House at SXSW on Monday, March 13, for a discussion entitled, "Building a Tech Unicorn." In the conversation with Payal Patel, principal of Softeq Ventures, he share the trials and tribulations from the early days of founding Solugen. The company, which has raised over $600 million since its founding in 2016, has an innovative and carbon negative process of creating plant-derived substitutes for petroleum-based products. Read more.

Following Silicon Valley Bank collapse, banking diversification is key for Houston founders

Last weekend was a tumultuous one for founders and funders in Houston and beyond. Here's what lessons were learned. Photo via Getty Images

Last week, Houston founder Emily Cisek was in between meetings with customers and potential investors in Austin while she was in town for SXSW. She was aware of the uncertainty with Silicon Valley Bank, but the significance of what was happening didn't hit her until she got into an Uber on Friday only to find that her payment was declined.

“Being positive in nature as I am, and with the close relationship that I have with SVB and how they’ve truly been a partner, I just thought, ‘OK, they’re going to figure it out. I trust in them,'” Cisek says.

Like many startup founders, Cisek, the CEO of The Postage, a Houston-based tech platform that enables digital legacy planning tools, is a Silicon Valley Bank customer. Within a few hours, she rallied her board and team to figure out what they needed to do, including making plans for payroll. She juggled all this while attending her meetings and SXSW events — which, coincidentally, were mostly related to the banking and fintech industries. Read more.

California-founded biotech startup relocates to join Houston's emerging bioeconomy

San Diego-based rBIO moved to Houston to take advantage of the growing ecosystem of biomanufacturing and synthetic biology. Photo via Getty Images

Cameron Owen had an idea for a synthetic biology application, and he pitched it to a handful of postdoctoral programs. When he received the feedback that he didn't have enough research experience, he decided to launch a startup based in San Diego around his idea. He figured that he'd either get the experience he needed to re-apply, or he'd create a viable company.

After three years of research and development, Owen's path seems to have taken him down the latter of those two options, and he moved his viable company, rBIO, to Houston — a twist he didn't see coming.

“Houston was not on my radar until about a year and a half ago,” Owen says, explaining that he thought of Houston as a leading health care hub, but the coasts still had an edge when it came to what he was doing. “San Diego and the Boston area are the two big biotech and life science hubs.” Read more.

Investor advocates now is the time to position Houston as a leading biomanufacturing hub

Veronica Wu, founder of First Bight Ventures, joins the Houston Innovators Podcast to outline Houston's opportunities in synthetic biology and biomanufacturing. Photo courtesy

Houston has all the ingredients to be a successful synthetic biology hub, says Veronica Wu. She believes so strongly in this that she relocated to Houston from Silicon Valley just over a year ago to start a venture capital firm dedicated to the field. Since then, she's doubled down on her passion for Houston leading in biotech — especially when it comes to one uniquely Houston opportunity: biomanufacturing.

While Houston's health care innovation scene is actively deploying synthetic biology applications, Wu points to Houston-based Solugen, a plant-based chemical producer, as an example of what Houston has to offer at-scale industrial biomanufacturing. Houston has the workforce and the physical space available for more of these types of biomanufacturing plants, which have a huge potential to move the needle on reducing carbon emissions.

"This is really fundamental technology that's going to change the paradigm and whole dialogue of how we are making a significant impact in reducing a carbon footprint and improving sustainability," says Wu, founder and managing partner of First Bight Ventures, on the Houston Innovators Podcast. Read more.

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