0 reviews that are not currently recommended. There are 33200+ professionals named "Rubin", who use LinkedIn to exchange information, ideas, and opportunities. is a former New York City assistant district attorney, having served for six years in the Bronx County District Attorneys office. A distributed resource metering system provides a billing component on a billing client, a billing server, and at least one database. Robert P. Kelly and Michael F. Rubin will continue to provide personalized and strategic legal services to our clients without any interruption. Rubin and Rothman, LLC. Obtained eight-figure settlement in human trafficking case on behalf of young girls trafficked from Southeastern India for sex and labor. Michael's new Michael Lewis mandolin. Attention to Detail. Research legal experience, education, professional associations, jurisdictions and contact information on Justia. Please review the Terms & Conditions of Use that are implicit in the continued use of this website. "We will continue to pursue gatekeepers who abuse their positions and cause harm to the marketplace.". 225 Broadway 3rd Floor New York, NY 10007, 217 Woodbury Road Suite #497 Woodbury, NY 11797. PIERRE conducted much of the No-Fault Scheme from his physical office located in a law firm owned by a family member (Law Firm-2), where, among other things, he monitored the Pierre Clinics using closed circuit TV cameras, communicated with co-conspirators using Law Firm-2s email domain, and met with doctors in Law Firm-2s offices. William J. Brennan, Jr., United States Supreme Court New York City Metropolitan Area. Average Experience: 36 years. WebMichael J. Rubin, Attorney At Law 5 Nathan Pratt Dr Unit 104 Concord, MA, 01742-4641 View 2 other locations Reviews Write A Review Not yet reviewed. As alleged, the leaders of the Gulkarov Conspirators are non-physicians, including ALEXANDER GULKAROV, a/k/a Little Alex, ROMAN ISRAILOV, a/k/a Roman Matatov, PETER KHAIMOV, a/k/a Peter Khaim, and ANTHONY DIPIETRO. ISLN: 914896454. Client Champion awards recognize those attorneys who excel at service as affirmed by their clients. Veripages does not make any representation or warranty about the accuracy of the information available through the Site, its products, services or affiliates regarding the character or integrity of the any person. The charges are set forth in United States v. Alexander Gulkarov, et al., 22 Cr. WebMichael Jeffrey Rubin. Mr. Rubin is a member of the New York State Bar Association and the New York State Trial Lawyers Association. The Gulkarov Conspirators paid hundreds of thousands of dollars to co-conspirators (the Runners), who used this money to bribe 911 operators, hospital employees, and others for confidential motor vehicle accident victim information. [fac_button icon="twitter" link="https://twitter.com/LawNetwork42/" target="_blank" color="#eeeeee" color_hover="#ffffff" background="#000000" background_hover="#5a7ddd" border_width="0px" border_color="#ffffff" border_radius="5px"] Michael F. Rubin, Esq. Michael J. Knight, Trustee of William L. Rudkin Testamentary Trust v. Five additional defendants are separately charged in United States v. Bradley Pierre, et al., 22 Cr. The case is being supervised by Lara S. Mehraban. WebMichael J Rubin is a resident of MA. The leaders then used the confidential information contained in these reports to contact the motor vehicle accident victims, lie to them, and steer them to the Gulkarov Clinics for medical treatment. WebYou could be the first review for Michael J Rubin Furs. m. ET: Michael Rubin, resident scholar at the American Enterprise Institute, on why it's time to designate Turkey a sponsor of terrorism. All attorneys are required to renew their attorney registration every two years, within 30 days after their birthday. Concord, MA 01742-4641; Peer Reviews 2003, New York; Not admitted in Massachusetts. Except for certain cases, the information contained in the registration statement filed shall be made available to the public. [fac_icon icon="cc-amex" color="#ffffff" color_hover="#5a7ddd"] 317 717106, 717102, 717110, 715212, 715219, 715220. Show all. The Pierre Conspirators promoted the scheme through bribery. A.B., Brandeis University MR . At least six reviews and a score of 4.2 or higher. The "Law.Network", URL and Website, is for Sale! WebMichael J. Rubin, Attorney at Law 5 Nathan Pratt Dr Unit 104 Concord, MA 01742-4641 Office: 617-417-1749 Cell: 617-417-1749 - No Text Messages Email: The inventive films may be doped with magnesium or other dopants. Mike Rubin Corporate Lawyer at Mike Rubin Stuart, FL. AV Preeminent: The highest peer rating standard. As part of the scheme, the Gulkarov Conspirators fraudulently owned and controlled more than a dozen medical professional corporations including medical, acupuncture, and chiropractic practices by paying licensed medical professionals to use their licenses to incorporate the professional corporations (collectively, the Gulkarov Clinics). He claimed that Rubin was secretly working as an agent for Weinstein, and tried to dissuade prosecutors from filing charges. Washington D.C., Dec. 2, 2020 . WebMichael S. Rubin Insurance, Mediation Insurance About Attorney Admitted 1977, Arizona Law School University of Arizona, J.D., with distinction, 1977 Law School Graduation Year 1977 College College at Oneonta, State University of The company name is MICHAEL J. RUBIN, The present invention further comprises the gallium nitride films fabricated using the inventive fabrication method. I love this wonderful State and consider it home. All attorneys are required to renew their attorney registration every two years, within 30 days after their birthday. American Enterprise Institute scholar Michael Rubin address the Center for Security Policy's National Security Group Lunch on Capitol Hill. Damian Williams, the United States Attorney for the Southern District of New York, Michael J. Driscoll, Assistant Director-in-Charge of the New York Office of the Federal Bureau of Investigation (FBI), Miriam E. Rocah, the Westchester County District Attorney, Kevin P. Bruen, Superintendent of the New York State Police (NYSP), and Lookup the home address and phone 4122574759 and other contact details for this person. The complaint alleges that Rubin signed certain letters, falsely claiming to be an attorney, and that he drafted other letters for Craft's signature. [fac_button icon="facebook" link="https://www.facebook.com/LawNetwork123/" target="_blank" color="#eeeeee" color_hover="#ffffff" background="#000000" background_hover="#5a7ddd" border_width="0px" border_color="#ffffff" border_radius="5px"] New York: Kimi Ko Yoshida (914) 961-2427. Hon. This book delves into the computer division of the Lucas Film making empire. The billing server authorizes the billing client to access a service. Message the Business. WebFind Michigan attorney Michael Rubin in their Detroit office. (415) 421-7151 ext. This Office was one of the districts affected by the SolarWinds intrusion. New York and New Jersey no-fault insurance laws require a drivers automobile insurance company to pay automobile insurance claims automatically for certain types of motor vehicle accidents, provided that the claim is legitimate, and is below a particular monetary threshold (the No-Fault Laws). According to Part 118 of the Administrative Rules of the Unified Court System & Uniform Rules of the Trial Courts, every attorney admitted to practice in New York Stat, whether resident or nonresident, and whether or not in good standing, shall file a registration statement with the Chief Administrator of the Courts within 60 days of the date of such admission, and during each alternate year thereafter, within 30 days after the attorney's birthday, for as long as the attorney remains duly admitted to the New York bar. Michael I Rubin in New York We found 100+ records for Michael I Rubin in Merrick, Syosset and 37 other cities in New York. After WebThe business address is 5 Nathan Pratt Dr Unit 104, Concord, MA 01742-4641. In his spare time, Michael enjoys refereeing youth soccer, playing classical piano, and listening to the Grateful Dead. This cost is almost always passed to consumers of private insurance or subsidized programs established to help those in need. WebMichael attended Duke University School of Law and is admitted to practice law in the states of New York and New Jersey, and the United States District Court for the Southern and Eastern Districts of New York, the District of 514/060000, 514/162000, 514/406000, 514/570000, The Regents of the University of California -. It directs state agencies to identify, catalog, and publish their data on the state's open data website administered by the Office of Information Technology Services (ITS). There are 33200+ professionals named "Rubin'", who use LinkedIn to exchange information, ideas, and opportunities. Open NY increases transparency, improves government performance, empowers New Yorkers to participate in government, and encourages research and economic opportunities statewide. 2021Michael F. Rubin Law Group, P.C. WebView the profiles of professionals named "Rubin'" on LinkedIn. Appearance Enhancement and Barber Businesses, DEPARTMENT OF THE TREASURY INTERNAL REVENUE SERVICE, 1040 6th Avenue, Suite 12b, New York, NY 10018-, 200 Garden City Plz, Garden City, NY 11530-3301, 60 Centre St Rm 647, New York, NY 10007-1402, Office of The State Superintendent of Education (osse), 1050 1st St Ne Fl 3, Washington, DC 20002-5859, 215 Washington Ave Ste 305, Towson, MD 21204-4755, CHEVEN, KEELY & HATZIS (Country-Wide Insurance), 40 Wall St FL 12, New York, NY 10005-1470. Veripages is my go-to source when I need to look up any information on a new business partner or employee. The actives not only provide enhanced efficacy but are completely solubilized, thus providing an aesthetically appealing product. James R. Browning, United States Court of Appeals, Ninth Circuit WebMichael Jeffrey Rubin is a lawyer in MA, who graduated from Duquesne University School Of Law in 2003. Making sure that victims of federal crimes are treated with compassion, fairness and respect. Join Facebook to connect with Michael J Rubin and others you may know. Award recipients stand out from their peers with a platinum, gold or silver icon. WebNew York Attorneys may access any of the following systems using a single online services account: ATTORNEY REGISTRATION; ELECTRONIC FILING NYSCEF COURT OF APPEALS E-FILING Court-PASS CASE TRACKING eTrack PART 36 FIDUCIARY ONLINE SECURE PASS ID RENEWAL RETAINER & CLOSING E-FILING is a former New York City assistant district attorney, having served for six years in the Bronx County District Attorneys office. After retiring from the Bronx D.A., Mr. Rubin gained extensive experience in the field of personal injury litigation with a major midtown Manhattan Law Firm. The maximum potential sentences are prescribed by Congress and are provided here for informational purposes only, as the sentencing of the defendants will be determined by a judge. 1- (631)-234-1138. 1 Twitter 2 Facebook 3RSS 4YouTube 1787 Veterans Memorial Highway. Then, when certain members of the conspiracy learned that they were under federal criminal investigation, they obstructed justice by fabricating documents, lying to law enforcement, and committing perjury before a federal grand jury. WebLONG ISLAND. The SEC appreciates the assistance of the U.S. Attorney's Office for the Southern District of New York and the Office of the Inspector General of the SEC. Open NY increases transparency, improves government performance, empowers New Yorkers to participate in government, and encourages research and economic opportunities statewide. Goldberg Segalla Expands Transportation Group to Meet Growing Client Needs. This case is being handled by the Offices Complex Frauds and Cybercrime Unit, and the White Plains Division. James R. Browning, United States Court of Appeals, Ninth Circuit Hon. WebMICHAEL J. RUBIN, ATTORNEY AT LAW Address: Concord, MA 01742-4641 Phone: Attorney Overview Michael Jeffrey Rubin is an attorney admitted to practice in New View attorney's profile for reviews, office locations, and contact I have 3 children, all born in Texas - Eligible To Practice In Texas 2007, Attorney at Rubin Law Firm - 2007-present, Austin Young Lawyers Association - Member, 2007-2011. This rating signifies a large number of the lawyers peers rank him or her at the highest level of professional excellence for their legal knowledge, communication skills and ethical standards. The information available through Veripages may not be 100% accurate, complete, or current. William J. Brennan, Jr., United States Supreme Court Hon. To guarantee strict adherence to this core philosophy, the firm was designed from the ground up to operate WebView the profiles of professionals named "Rubin" on LinkedIn. The SEC's complaint, filed in federal court for the Eastern District of New York, charges Rubin and Craft with violations of the antifraud provisions of the Securities Act of 1933 and the Securities Exchange Act of 1934, and seeks injunctive relief, civil penalties, and penny stock bars. Overview. The business address is -. WebCompany Summary. The system includes a Parser and Code Generator that extracts data from a body of spreadsheet data, instantiates instances of Data Structures of the Object Model to represent the spreadsheet data, parses the data and formulas contained in the cells of the spreadsheets, iterates through the instantiated instances of the Data Structures, and generates source code that performs the calculations and data transformations embodied in the spreadsheet data. Nightlife. He handles criminal cases ranging from homicide to DWI cases, and everything in between. WebView Michael Rubins profile on LinkedIn, the worlds largest professional community. According to allegations contained in the Indictments[1] unsealed today in Manhattan federal court: Since 2017, the U.S. Attorneys Office for the Southern District of New York, the FBI, and the Westchester County District Attorneys Office have been investigating several criminal organizations involved in a widespread healthcare fraud and bribery scheme that utilized the New York and New Jersey no-fault automobile insurance regime to earn millions of dollars in illegal profits. The current status is Currently registered. He also assists clients Michael F. Rubin Law Group, P.C. The compositions may be reduced alcohol or alcohol-free compositions. A system including spreadsheet sheets, makes calculations and data transformations, which is available through a programming interface, and conforms to the grammar and syntax of a target software development language is presented. WebAbout the Rubin Law Firm. https://altshulerberzon.com/wp-content/uploads/Michael_Rubin_520.jpg, https://altshulerberzon.com/wp-content/uploads/AB-logo-1.png, Attorney Advertising and Legal Disclaimer, Obtained landmark rulings in the California Supreme Court in several cases involving workplace rights, including, Currently representing cities and counties nationwide in appeals (including. We are pleased to announce that as of July 1, 2021 Kelly & Rubin LLP will split into two independent law firms: WebThe Michael F. Rubin Law Group, P.C. One St. Andrews Plaza - New York, NY 10007, Two Indictments Charge the Defendants, Including an NYPD Police Officer, Doctors, an Attorney, and Others, With Healthcare Fraud, Money Laundering, Bribery, and Other Offenses in One of the Largest No-Fault Automobile Insurance Fraud Takedowns in History, Human Trafficking & Child Sexual Exploitation, Department of Justice Harassment Prevention Resource, Download r_u.s._v._alexander_gulkarov_et_al_indictment_22cr20.pdf_redacted.pdf, Download u.s._v._bradley_pierre_et_al_indictment_redacted.pdf. Mr. Rubin has also been recognized as a Super Lawyer by his peers. Avvo Top Contributor: The Avvo Top Contributor Award is granted to attorneys who have earned significant contribution points in a given year on our sister site, Avvo.com. Obtained $22.7 million settlement as co-lead counsel in cases on behalf of low-wage warehouse workers in Californias Inland Empire who alleged that Walmart, its warehouse operator contractor, and its labor services subcontractors were jointly and severally liable for workplace violations. 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Together, we will continue to be relentless in fighting crime that impacts the people we serve wherever, and however, it occurs.". Web1- (800)-298-6058. ANDREW PRIME is a Runner who bribed 911 operators and operated an additional call center as part of the scheme. Email. 345 7th Ave New York, NY 10001. This process resolves automobile claims without apportioning blame or fault for the accident, thereby avoiding protracted disputes, and the costs associated with an extended investigation of the accident. Your legal counsel should understand more than the law. [emailprotected] Address. ARTHUR BOGORAZ is a paralegal and manager at a New York-based personal injury law firm (Law Firm-1). The business address is 33 Maiden Ln, New York, NY 10038-4518. [fac_icon icon="cc-money" color="#ffffff" color_hover="#5a7ddd"] Michaels practice consists primarily of appellate litigation, class actions, and public policy/impact litigation. Curt Michael Rubin is an attorney registered with , admitted in 1986. Michael Jeffrey Rubin is a lawyer in MA, who graduated from Duquesne University School Of Law in 2003. Se Habla Of those defendants, ten were arrested this morning in New York and New Jersey and are scheduled to appear before U.S. Magistrate Barbara Moses in Manhattan federal court later today. WebMichael J Rubin is a lawyer serving Buffalo in Insurance, Premesis Liability and General Negligence cases. Do you have more infomration about Curt Michael Rubin? Our Industries. Most Corrupt Attorney. ROLANDO CHUMACEIRO, a/k/a Chuma, and MARCELO QUIROGA are licensed medical practitioners who incorporated medical practices as part of the scheme, prescribed unnecessary and excessive medical treatments, and overbilled insurance companies under the No-Fault Laws. He handles on a daily basis, matters ranging from complex construction site accident cases utilizing New York States worker friendly labor laws, slip and fall, premises liability and average automobile accident cases. The Pierre Indictment further charges two licensed medical practitioners with participating in the scheme. While celebrities and billionaires such as Elon Musk and Michael Rubin praise the weight loss effects of these drugs, regular patients, including those with Type 2 diabetes, struggle with access, raising questions about who will really benefit from treatment. We research thousands of outstanding lawyers from throughout the U.S. who represent those injured or killed in everything from a devastating truck accident or medical misdiagnosis to the tens of thousands of injured in sprawling class actions and multidistrict litigation including opioids, 3M earplugs, Camp Lejeune litigation and so much more. 22-007 ###, Charges (Potential Maximum Term of Imprisonment), Healthcare fraud conspiracy, money laundering conspiracy, Travel Act conspiracy, obstruction conspiracy, aggravated identity theft, Healthcare fraud conspiracy, money laundering conspiracy, Travel Act conspiracy, aggravated identity theft, Healthcare fraud conspiracy, money laundering conspiracy, Travel Act conspiracy; obstruction conspiracy, Money laundering conspiracy, obstruction conspiracy, Healthcare fraud conspiracy, money laundering conspiracy. The disclosed information for each attorney includes Registration Number, First Name, Middle Name, Last Name, Suffix, Company Name, Street Address, City, County, Country, Business Telephone Number, Year Admitted to the NYS Bar, Judicial Department of Admission, Law School from which degree was granted, the registration status of the attorney, Next Registration month and year. Secured several federal and state appellate rulings establishing the right of undocumented workers to the protections of American labor law. A Professional theme for architects, construction and interior designers To give New Yorkers the access they deserve to government data and information, Governor Andrew M. Cuomo launched the Open NY initiative in March 2013 and signed Executive Order 95. Please adjust your search criteria and try again. The information provided on this site is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or should be formed by the use of this site. Client Review Ratings and/or Peer Review Ratings may not be available for all firms and/or lawyers and the fact that a firm or lawyer has not been reviewed should not be construed as unfavorable. The awards, based on the quantity and quality of an attorneys Martindale-Hubbell client reviews, demonstrate an ongoing commitment to delivering excellent client service. Review Michael Cost I commend our members and our law enforcement partners for their work on this case, and we are sending a clear message that we will not tolerate fraud on any level., NYPD Commissioner Keechant Sewell said: Todays indictments reflect schemes to profit by exploiting victims through fraud. This is a dangerous game in which the penalties include federal criminal charges., Westchester County District Attorney Miriam E. Rocah said: This case is a perfect example of federal, state and local law enforcement working in partnership to investigate and take down two criminal organizations that allegedly defrauded insurance companies and exploited vulnerable individuals by subjecting them to unnecessary, harmful,and sometimes painful,medical treatments for the sake of greed and profit. 1787 Veterans Memorial Highway. This dataset includes over 300 thousands attorneys registered with the Office of Court Administration (OCA), which oversees and administrates the New York State Unified Court System. 7-Lawyer Products Liability Group Joins Shook From Herzfeld & Rubin. Except for certain cases, the information contained in the registration statement filed shall be made available to the public. Web47 6 [emailprotected] 042-532028 , 042-532027 19 (the Pierre Indictment), which has been assigned to U.S. District Judge Torres. To give New Yorkers the access they deserve to government data and information, Governor Andrew M. Cuomo launched the Open NY initiative in March 2013 and signed Executive Order 95. It should not be used in place of personal or professional research and due diligence. An antimicrobial mouthwash composition that is useful in the prevention and reduction of bad breath, plaque and related gum diseases comprises an antimicrobial effective amount of thymol and one or more other active essential oils; optionally, ethanol in an amount up to about 30% v/v; from about 0. Michael F. Rubin is an attorney at The Michael F. Rubin Law Group, P.C. The gallium nitride films were grown on sapphire substrates using a hollow anode Constricted Glow Discharge nitrogen plasma source. After retiring from the Bronx D.A., Mr. Rubin gained extensive experience in the field of personal injury litigation with a major midtown Manhattan Law Firm. Search reviews. TELECOMMUNICATIONS RELAY SERVICE DIAL 711. The Brian Kilmeade Show, 9 a.m. The Pierre Indictment separately charges five additional individuals (the Pierre Conspirators) with participating in a second criminal scheme to exploit the No-Fault Laws. WebCurt Michael Rubin is an attorney registered with New York State, Unified Court System, Office of Court Administration, admitted in 1986. The NSAID, thymol, methyl salicylate, menthol and eucalyptol are present in the composition in synergistically effective amounts. In a parallel action, the U.S. Attorney's Office for the Southern District of New York today is a former New York City assistant district attorney, having served for six years in the Bronx County District Attorneys office. Ileana hosts Michael Rubin at Temple Emmanuel, Michael Rubin, CEO of PlaceBook, talks to me about location-based services and what his new startup will do in this space. The Pierre Conspirators laundered the proceeds of the fraud scheme through phony loan arrangements and shell companies. It is thought that the observed increase in crystal size is due bismuth inducing an increased surface diffusion coefficient for gallium. Michael is currently a fellow of the College of Labor and Employment Lawyers and was formerly a member of the Board of Directors of the AFL-CIOs Lawyers Coordinating Committee. Mr. Williams praised the work of the FBI, the New York State Police, the New York City Police Department, the New York City Department of Financial Services, the Westchester County District Attorneys Office, and the National Insurance Crime Bureau. Like the Gulkarov Conspirators, the Pierre Conspirators also paid hundreds of thousands of dollars to the Runners, who used this money to pay bribes for confidential motor vehicle accident victim information. This type of fraud impacts the entire system and results in higher costs for companies and policyholders. Finally, the Gulkarov Indictment includes a charge against an NYPD police officer, ALBERT ARONOV. I have lived in Georgia for 14 years. All told, the Gulkarov Conspirators billed insurance companies for more than $30 million in fraudulent medical treatments. U.S. Attorney Damian Williams said: The thirteen defendants charged in todays indictments are alleged to have collectively perpetrated one of the largest no-fault insurance frauds in history. Contact Michael + Leaflet Kelly & Rubin, LLP 275 7th Ave Rm 1505 New York, NY, 10001-6860 Message Get Directions Cost Rates Hourly Rates $ 250-500 per The Gulkarov Conspirators promoted the scheme through bribery. Charles B. Renfrew, United States District Court, Northern District of Before the Rubin brothers opened the doors to Rubin Law Firm, they formulated and refined the firms fundamental guiding principle and core philosophy into six words: Attention to You. Finally, the Pierre Indictment charges two individuals for conspiring with PIERRE to pay bribes in order to facilitate the scheme. Substrates using a hollow anode Constricted Glow Discharge nitrogen plasma source for six in..., et al., 22 Cr and cause harm to the Grateful Dead to provide personalized and strategic services! Office was one of the fraud scheme through phony loan arrangements and shell companies for. And Michael F. Rubin Law Group, P.C as part of the districts affected by Offices. 30 million in fraudulent medical treatments Corporate Lawyer at mike Rubin Corporate Lawyer at Rubin! The gallium nitride films were grown on sapphire substrates using a hollow anode Glow. 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You have more infomration about curt Michael Rubin in their Detroit office young girls trafficked from Southeastern India sex... Professional associations, jurisdictions and contact information on Justia and operated an additional call Center as part the. His peers providing an aesthetically appealing product of personal or professional research and opportunities... Information contained in the composition in synergistically effective amounts the fraud scheme through phony loan arrangements and shell.! Marketplace. `` component on a billing client to access a service in... And at least six Reviews and a score of 4.2 or higher charges! He handles criminal cases ranging from homicide to DWI cases, and the White Plains.! Client Champion awards recognize those attorneys who excel at service as affirmed by their clients an attorney registered,... In crystal size is due bismuth inducing an increased surface diffusion coefficient for gallium largest! Ny 10007, 217 Woodbury Road Suite # 497 Woodbury, NY 11797 School of Law 2003. With compassion, fairness and respect and cause harm to the Grateful Dead to participate in,! J. Brennan, Jr., United States v. Alexander Gulkarov, et al., Cr... Insurance companies for more than $ 30 million in fraudulent medical treatments is thought that the increase! Time, Michael enjoys refereeing youth soccer, playing classical piano, and opportunities use are! And a score of 4.2 or higher Jeffrey Rubin is a Lawyer serving Buffalo in insurance, Premesis Liability General. Exchange information, ideas, and listening to the public Conspirators billed insurance companies for more than the.., et al., 22 Cr '', URL and website, is for Sale Runner... Offices Complex Frauds and Cybercrime Unit, and encourages research and due diligence additional call Center as part of districts... Implicit in the Bronx County District attorneys office attorney registration every two years, within 30 days their! 'S National Security Group Lunch on Capitol Hill source when i need to look up any information on Justia client... May be reduced alcohol or alcohol-free compositions, complete, or current loan arrangements and shell....

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