Promissory Agreement Template

Thursday, March 12th 2020. | Sample Templates

the way to Do a Promissory be aware Hogan, Michelle. "how to Do a Promissory notice." Small business – Chron.com, http://smallbusiness.chron.com/promissory-note-1648.html. Accessed 27 March 2020. Hogan, Michelle. (n.d.). a way to Do a Promissory word. Small business – Chron.com. Retrieved from http://smallbusiness.chron.com/promissory-word-1648.html Hogan, Michelle. "a way to Do a Promissory notice" accessed March 27, 2020. http://smallbusiness.chron.com/promissory-note-1648.html observe: depending on which text editor you might be pasting into, you might must add the italics to the website identify. DGAP-news: EVOTEC SE FISCAL year 2019 outcomes: miraculous 2019 performance; VERY good OUTLOOK FOR endured growth 2020 DGAP-information: Evotec SE / Key be aware(s): Annual outcomes EVOTEC SE FISCAL year 2019 results: superb 2019 efficiency; VERY decent OUTLOOK FOR persevered growth 2020 26.03.2020 / 07:05 The company is completely chargeable for the content material of this announcement. EVOTEC SE FISCAL year 2019 consequences:surprising 2019 efficiency; VERY good OUTLOOK FOR persevered increase 2020 VERY powerful monetary results: 19% boost IN community REVENUES, ADJUSTED community EBITDA UP 29p.cVERY potent 12 months end economic position AT € 320 MUNIQUE EVT EXECUTE INNOVATION PLATFORM supports long-time period boom giant growth OF EVT INNOVATE CO-OWNED PORTFOLIO TO > a hundred initiatives IN SMALL MOLECULES, BIOLOGICS, AND phone THERAPIESHamburg, Germany, 26 March 2020: Evotec SE (frankfurt inventory exchange:EVT)(frankfurt stock exchange:MDAX/TecDAX)(isin:DE0005664809) nowadays mentioned financial effects and corporate updates for the fiscal 12 months ended 31 December 2019.FINANCIALS replicate powerful GROWTHGroup revenues up 19% to € 446.four m (2018:€ 375.four m)Adjusted group EBITDA up 29% to € 123.1 m (2018:€ ninety five.5 m)Unpartnered R&D charges of € 37.5 m (2018:€ 22.8 m)Liquidity position more than doubled to € 320.0 m (31 december 2018:€ 149.4 m)"motion PLAN 2022" not off course, regardless of huge world INSECURITIESMultiple new and extended strategic drug discovery and development alliances, e.g. expansion of contract with Sanofi to create a centralised global sample administration hub in Toulouse; multiyear agreement with Takeda; new precision drugs initiatives in girls’s health and oncologyContinued mighty performance and increase in all EVT Execute provider offerings in any respect sitesSuccessful birth of simply – Evotec Biologics integration; building and ramp-up of first J.POD(R) in Seattle initiated; first J.POD(R) accomplice MSD signed up (in January 2020)big growth and growth in partnered pipeline; e.g. advantageous scientific part II POC effects in persistent cough with Bayer and several medical part I & part II startsMultiple essential milestone achievements, e.g. in iPSC-based mostly drug discovery alliancesFocus on "omics", computing device-studying and artificial intelligence platforms in all modalitiesFormation of spin-off Breakpoint Therapeutics on DNA damage response; three way partnership NephThera created with Vifor Pharma concentrated on novel nephrology therapeuticsAcademic BRIDGE mannequin continuous to mature and benefit momentumBuilding a leading position in anti-infectives drug discovery and development (e.g. alliances with GARDP, GNA Now, Helmholtz, and the invoice & Melinda Gates foundation)economic assistance 2020 – persevered mighty organic growth Given existing world insecurities surrounding the COVID-19 pandemic, a probable bad have an impact on is already estimated inside the delivered guidance for revenues and adjusted EBITDA. It is not viable to exactly predict or quantify the skills have an impact on on profits and fiscal performance at this early stage. This uncertainty additionally explains the broader than typical ranges. Evotec will continue to very carefully computer screen the extra development of this high-quality situation and replace on counsel in case the condition adjustments materially.neighborhood revenues expected to be in a number € 440 – 480 m (2019:€ 446.4 m including revenues from material recharges in line with IFRS 15)Adjusted community EBITDA anticipated to be on the equivalent stage as in 2019, € a hundred – a hundred and twenty m (2019:€ 123.1 m)Unpartnered research and construction costs anticipated to be approx. € 40 m (2019:€ 37.5 m)FINANCIALS reflect powerful GROWTHKey figures of consolidated revenue observation & segment informationEvotec SE & subsidiaries In T€EVTExecute2)EVTInnovate2)Evotec Group20191)Evotec Group20181)external revenues337,60594,329446,437375,405Intersegment revenues82,698—Gross margin in %26.034.629.829.8R&D expenses3)(2,144)(65,498)(fifty eight,432)(35,619)SG&A prices(fifty two,524)(14,022)(66,546)(fifty seven,012)Impairment result (net)-(eleven,919)(11,919)(four,364)salary from bargain buy—15,400Other operating income (expenses), net22,02744,57366,60047,042Operating result76,807(14,213)sixty two,59477,463Adjusted EBITDA4),5)122,507636123,14395,4571) records together with reclasses of recharges in accordance with IFRS 15 2) Revenues within the segments encompass revenues from contracts with customers without revenues from recharges as these aren’t of significance for the management to investigate the economic situation of the segments. three) Thereof unpartnered R&D fees of € 37.5 m 2019 and € 22.eight m in 20184) before contingent concerns, profits from bargain buy and except for impairments on goodwill, other intangible and tangible assets as neatly because the total non-working result. 5) together with first-time software of IFRS sixteen, positively affecting adjusted EBITDA by using € 15.5 m In 2019, Evotec’s group revenues accelerated by 19% to € 446.four m (€ 431.9 m excl. IFRS 15) (2018:€ 375.4 m / 2018 excl. IFRS 15). This enhance resulted essentially from the growth efficiency in the base business, expanded milestone payments and a good contribution from the bought company of just – Evotec Biologics (€ sixteen.1 m) in the 2nd half of the year. Full 12 months have an effect on from IFRS 15 amounts to € 14.5 m (2018:€ 11.4 m). In total, revenues from milestones, upfront payments and licences extended by 32% to € 39.0 m in 2019 (2018:€ 29.5 m), specially as a result of milestone payments from current lengthy-term alliances as with Bayer in endometriosis/continual cough and kidney diseases, from Evotec’s iPSC-based mostly collaborations with Bristol-Myers Squibb/Celgene in neurodegeneration as well as from Sanofi in diabetes.In 2019, Evotec focused its unpartnered R&D prices of € 37.5 m (2018:€ 22.8 m) essentially on initiatives in the fields of metabolic diseases, oncology, and platform initiatives. Platform investments concentrated in selected on the endured enlargement of Evotec’s industry-main iPSC platform as well as industrialisation and integration of "omics", artificial intelligence ("AI") and desktop gaining knowledge of, as well as records analytics systems. Its partnered R&D costs of € 20.9 m (2018:€ 12.7 m) regarding its infectious sickness portfolio had been predominantly said as R&D fees while the costs entirely reimbursed by way of its companion Sanofi have been recognised beneath different operating income and as a result do not negatively affect the working outcome or adjusted EBITDA. This split into unpartnered and partnered R&D prices has only been applied given that July 2018 when the Lyon web site changed into acquired from Sanofi.In 2019, the group’s selling, regularly occurring and administrative ("SG&A") costs elevated through 17% to € sixty six.5 m (2018:€ fifty seven.0 m). This enhance resulted basically from first full yr SG&A charges of Evotec identification Lyon, first half year contribution of just – Evotec Biologics, better personnel prices as a result of growth and brief workforce fees because of a strengthening of the guide services, bigger consultancy costs in addition to M&A and financing linked costs.In 2019, Evotec recorded impairments of intangible property of € 11.9 m (2018:€ four.2 m) for the full impairment of SGM-1019 and related goodwill. This one-off impairment became primarily as a result of the termination of the SGM-1019 contract by means of Evotec’s associate second Genome.Adjusted community EBITDA for 2019 extended by using 29% to € 123.1 m (2018:€ 95.5 m), yielding an adjusted EBITDA margin of 27.6% (2018:25.4%), in particular because of very strong performance in the base business, milestones and licence contributions, a good EBITDA contribution by using just – Evotec Biologics and outcomes from the primary-time software of the brand new accounting usual IFRS sixteen.Evotec’s operating effect amounted to € sixty two.6 m in 2019 (2018:€ 77.5 m). A year-on-yr assessment is not significant, because the 2018 effect become tremendously positively plagued by a one-off have an impact on from the discount buy id Lyon (€ 15.four m). The larger gross earnings in 2019 become off-set through the tremendously multiplied investments in R&D and the impairment of the intangible asset SGM-1019 and the linked goodwill. The company’s web influence for the year 2019 amounted to € 37.2 m (2018:€ 84.1 m) and also cannot be in comparison like for like because it turned into littered with the one-off impact of the bargain buy in 2018 and deferred tax salary.Evotec ended the 12 months 2019 with a liquidity of € 320.0 m (2018:€ 149.four m), which changed into composed of money and money equivalents (€ 277.0 m) and investments (€ forty two.three m). money and money equivalents as well as existing investments will also be accessed within a duration of below three months. The raise in liquidity in 2019 resulted primarily from the issuance of the promissory notice ("Schuldscheindarlehen") within the quantity of € 249.1 m web and a good operating money stream of € 42.2 m (2018:€ 156.2 m).MID-term method on course TO obtain service revenue, MILESTONES, AND ROYALTIESThe EVT Execute section endured to reveal powerful growth in 2019 with new and prolonged alliances (e.g. Sanofi, Takeda). In 2019, Evotec became involved in 769 alliances and recorded a repeat enterprise of ninety two%. Following the acquisition of just Biotherapeutics, now simply – Evotec Biologics, in July 2019, Evotec became able to signal agreements with Teva, Biocon and, after duration-end, with MSD and OncoResponse. The step into biologics is already showing tremendous scientific synergies and move promoting skills across the Evotec alliances.In EVT Innovate, 2019 changed into characterised by important progress and strong milestone earnings in its strategic partnerships (iPSC neurodegeneration alliance with Bristol-Myers Squibb/Celgene; iPSC diabetes alliance with Sanofi; kidney ailment and endometriosis/chronic cough alliances with Bayer) as neatly as the signing of new partnerships, amongst others with Galapagos in fibrosis, with the Mark groundwork in immuno-oncology, with Indivumed in oncology in addition to with Bayer and Celmatix in girls’s health. In July 2019, Evotec became able to document huge scientific growth within its multi-target alliance with Bayer via reaching section II POC in persistent cough with the P2X3 antagonist BAY1817080. Evotec expects further scientific contrast of this promising programme by means of Bayer in 2020. different partnered scientific tasks are progressing according to plan.Evotec and Vifor Pharma launched NephThera, a three way partnership focused on the discovery and building of novel nephrology therapeutics. each companies will dangle a 50% share (transaction closed early 2020). furthermore, Evotec and a assignment capital consortium shaped the company’s 2d spin-off, Breakpoint Therapeutics. The company made additional new investments in promising Biotech organizations as Aeovian pharmaceuticals, Celmatix and Immunitas Therapeutics and persisted to financially aid already current holdings. additionally, Evotec made significant growth with its main iPSC platform as neatly as the industrialisation and integration of "omics", AI and desktop learning, and as records analytics platforms.within the container of anti-infectives, Evotec closed additional collaborations, e.g. kicking off "GNA Now", a brand new initiative for the building of novel antibacterial brokers. The expanding cognizance of antibiotic resistance as a growing to be hazard to public healthcare methods enabled Evotec to receive promises for initiatives to extra speed up drug discovery efforts in this enviornment of excessive medical want. Evotec initiated varied partnerships with the bill and Melinda Gates basis (certainly in Tuberculosis).In 2019, Evotec’s academic BRIDGE model continued to appeal to enormous hobby from academia and industry partners, leading to the constructing of LAB10x and LAB555.monetary assistance 2020 – continued mighty GROWTHGiven present international insecurities surrounding the COVID-19 pandemic, and possible future disruption of business inside Evotec and our companions, information for 2020 has been critically assessed. although, as a result of the drastic and intensely dynamic trends in the standard financial environment due to the fact the conclusion of February 2020 and the unforeseeable special condition brought on by means of the COVID-19 pandemic and its associated unknown time strains, it isn’t feasible to exactly predict or quantify the talents have an effect on on profits and financial efficiency at this early stage. This uncertainty also explains the broader than common stages. Evotec will continue to very intently video display the further building of this first rate situation and update on tips in case the circumstance alterations materially.Revenues, research and building costs, and adjusted EBITDA stay the monetary key efficiency warning signs of the Evotec neighborhood.For the monetary 12 months 2020, the administration Board expects Evotec’s total group revenues in more than a few € 440 – 480 m. This expected salary increase is in accordance with visibility of the current order e-book, expected new contracts, contract extensions and milestone opportunities. Projections are based on steady 2019 trade charges.Evotec’s adjusted neighborhood EBITDA is anticipated to be within the range of € a hundred – a hundred and twenty m regardless of multiplied R&D investments, anticipated lack of the Sanofi subsidy for the Toulouse website after Q1 2020 and greatly ramping up the just – Evotec Biologics enterprise by investing in and constructing particularly imaginitive J.POD(R) capacities within the us of a.Evotec will continue to greatly invest in its own "unpartnered" research and development (R&D) to create a protracted-term pipeline of first-in classification assets and platforms. Evotec expects these costs to be at approx. € forty m. These fees are independent of the "partnered" R&D spending in infectious diseases, which is totally coated below the Sanofi partnership.Guidance2020Actual 2019Group revenues from contracts with consumers€ 440 – 480 m2)€ 446.four mUnpartnered R&D expensesApprox. € forty m€ 37.5 mAdjusted community EBITDA1)€ one hundred – 120 m2)€ 123.1 m1) EBITDA is defined as income before activity, taxes, depreciation, and amortisation of intangibles. Adjusted EBITDA excludes contingent concerns, earnings from cut price buy and impairments on goodwill, other intangible and tangible property as neatly because the total non-operating result2) regardless of the lack of € 20 m subsidy funds from Sanofi and significantly ramping up J.POD(R) capacitiesWebcast/convention name The company is going to hang a conference call to focus on the outcomes in addition to to deliver an update on its performance. in addition, the management Board will existing an outlook for fiscal year 2020. The conference call could be held in English.convention name details Date: Thursday, 26 March 2020 Time: 02.00 pm CET (09.00 am EDT, 01.00 pm GMT)From Germany: +49 sixty nine 201 744 220 From France: +33 170 709 502 From Italy: +39 02 3600 6663 From the uk: +44 20 3009 2470 From the US: +1 877 423 0830 access Code: 97681453#A simultaneous slide presentation for contributors dialling in by means of mobilephone is obtainable at https://webcasts.eqs.com/evotec20200326/no-audio.Webcast particulars To be part of the audio webcast and to access the presentation slides you’re going to find a hyperlink on our domestic web page www.evotec.com shortly before the event.A replay of the conference call can be attainable for 24 hours and may be accessed in Europe via dialling +forty nine sixty nine 201744221 (Germany) or +44 20 3364 5150 (UK) and in the country by using dialling +1 (844) 307-9362. The access code is 315578854#. The on-demand version of the webcast can be obtainable on our website: www.evotec.com/economic-reportsNOTEThe 2018 and 2019 effects aren’t wholly similar. The change stems from the acquisitions of just – Evotec Biologics (valuable 02 July 2019) and Evotec id (Lyon) SAS (useful 01 July 2018).The consequences from simply – Evotec Biologics are most effective covered from 02 July 2019 onwards while the outcomes from Evotec identity (Lyon) SAS are best protected from 01 July 2018 onwards.From 01 January 2018 onwards, Evotec applies IFRS 15 and IFRS 9. From 01 January 2019 on, Evotec applies additionally IFRS 16.EVOTEC SEEvotec is a drug discovery alliance and development partnership enterprise focused on impulsively progressing ingenious product strategies with main pharmaceutical and biotechnology businesses, lecturers, affected person advocacy groups and project capitalists. We function global and our greater than 3,000 personnel deliver the best quality stand-on my own and built-in drug discovery and development solutions. We cover all activities from goal-to-sanatorium to satisfy the trade’s need for innovation and efficiency in drug discovery and development (EVT Execute). The business has centered a unique place with the aid of assembling suitable-class scientific specialists and integrating state-of-the-artwork technologies as well as enormous event and knowledge in key therapeutic areas together with neuronal ailments, diabetes and complications of diabetes, pain and irritation, oncology, infectious ailments, respiratory ailments, fibrosis, rare ailments and women’s fitness. On this basis, Evotec has constructed a huge and deep pipeline of approx. 100 co-owned product alternatives at scientific, pre-scientific and discovery degrees (EVT Innovate). Evotec has based varied lengthy-term alliances with partners including Bayer, Boehringer Ingelheim, Bristol-Myers Squibb, CHDI, Novartis, Novo Nordisk, Pfizer, Sanofi, Takeda, UCB and others. For more information please go to www.evotec.com and comply with us on Twitter @Evotec.ahead looking STATEMENTS advice set forth during this press unlock incorporates ahead-searching statements, which involve a number of risks and uncertainties. The ahead-searching statements contained herein represent the judgement of Evotec as of the date of this press free up. Such forward-looking statements are neither promises nor ensures, but are area to a lot of risks and uncertainties, lots of which are beyond our manage, and which may cause genuine effects to differ materially from those meditated in these forward-looking statements. We expressly disclaim any responsibility or accomplishing to unencumber publicly any updates or revisions to this sort of statements to mirror any change in our expectations or any trade in events, conditions or circumstances on which one of these commentary is based mostly.Fiscal year 2019 resultsKey figures of consolidated earnings statement Evotec SE and subsidiariesIn T€ apart from share statistics and per share data31 December 201931 December 2018Changein %Revenues from contracts with customers446,437375,40518.9Gross margin in %29.829.eight(0.1)PPResearch and development charges(fifty eight,432)(35,619)sixty four.0Selling, regularly occurring and administrative fees(sixty six,546)(fifty seven,012)16.7Impairment of intangible assets(eleven,919)(four,364)>100Income from cut price purchase-15,four hundred-different operating earnings (charges), net66,60047,04241.6Operating result62,59477,463(19.2)Adjusted EBITDA1)123,14395,45729.0Net income37,22884,056(55.7)Weighted general shares outstanding149,725,607147,482,0511.52Net salary (loss) per share (basic)0.250.57(56.1)web earnings (loss) per share (diluted)0.250.fifty six(fifty five.4)1) earlier than contingent concerns, earnings from cut price buy and apart from impairments on goodwill, other intangible and tangible belongings as well as the total non-operating resultSegment information2019 In T€EVT ExecuteEVT InnovateIntersegment eliminationsNot allocatedTransitionEvotec GroupExternal revenues1)337,60594,329-14,503-446,437Intersegment revenues82,698-(eighty two,698)—Gross margin in %26.034.6–29.8R&D charges(2,one hundred forty four)(sixty five,498)9,210–(58,432)SG&A prices(52,524)(14,022)—(sixty six,546)Impairment outcome, web-(eleven,919)—(eleven,919)other working profits (charges), net22,02744,573—sixty six,600Operating result76,807(14,213)—62,594Adjusted EBITDA2)122,507636—123,1431) Revenues in the segments include revenues from contracts with clients with out revenues from recharges, as these aren’t of significance for the administration to verify the financial circumstance of the segments.2) Adjusted for adjustments in contingent considerations and impairments on goodwill, different intangible and tangible assets as well as the complete non-operating result2018 In T€EVT ExecuteEVT InnovateIntersegment eliminationsNot allocatedTransitionEvotec GroupExternal revenues295,08768,893–eleven.425375,405Intersegment revenues52,090-(fifty two,090)—Gross margin in %25.044.329.8R&D prices(862)(40,148)5,391–(35,619)SG&A costs(47,578)(9,434)—(57,012)Impairment outcomes, internet-(four,364)—(four,364)other operating profits (expenses), net18,77228,270—forty seven,042Operating result57,2194,844-15,four hundred-77,463Adjusted EBITDA1)87,1868,27195,4571) before contingent considerations, income from discount purchase and excluding impairments on goodwill, different intangible and tangible belongings as smartly because the total non-operating resultKey figures of consolidated remark of financial position Evotec SE and subsidiariesIn T€31 Dec31 DecChange20192018in %money, cash equivalents and investments320,022149,449>100Working capital(8,716)(39,036)(77.7)present and non-existing personal loan liabilities and finance lease obligations463,099114,465>100Total stockholders’ equity477,029424,88012.3Total assets1,a hundred and eighty,912771,88353.0Contact Evotec SE:Gabriele Hansen, SVP company Communications, advertising and marketing & Investor family members, T.: +49.(0)forty.56081-255, gabriele.hansen@evotec.com 26.03.2020 Dissemination of a corporate information, transmitted through DGAP – a provider of EQS neighborhood AG. The issuer is entirely answerable for the content of this announcement. The DGAP Distribution capabilities encompass Regulatory announcements, monetary/company information and Press Releases. Archive at www.dgap.de how to Write a loan contract mortgage agreements should still be selected and clear. Creatas pictures/Creatas/Getty photos The American Bar association says mortgage agreements hardly desire borrowers. always, they have to take care of restrictions and covenants, which supply lenders with loads of rights. The best approach of surviving such restrictions is via negotiating important provisions in the mortgage before signing it. Writing personal loan agreements should still be an pastime that safeguards the rights of all parties within the personal loan settlement and stops any skills disagreements. mortgage agreement terms consist of the important details within the personal loan settlement comparable to reimbursement phrases, contact suggestions of all parties, price agenda, safety, activity fees and cancellation policy. it’s going to state the amount of cash loaned to the borrower by way of the lender. Write this amount in words and numbers to keep away from any miscommunication. indicate the pastime cost in the agreement as a result of failure to do so would render the personal loan a present. The personal loan contract must additionally spell out the modalities of dealing with any defaults in fee. Templates in case you are doubtful of how to draft a fine mortgage contract; that you could down load a mortgage settlement template from sites reminiscent of ContractStore.com or LoanBack.com. Such templates regularly include all of the necessary clauses of a personal loan contract focusing on issues comparable to interest fees, compensation circumstances and borrower details. you could use these templates repeatedly so long as the personal loan agreements are similar. you could additionally edit them to fit your circumstances. criminal tips you can draft a superb personal loan agreement with the information of an attorney to advise you on the benefits or negative aspects of the personal loan arrangement. Enlisting the services of a attorney also enlightens you on the legal guidelines and necessities you should follow. You may also additionally be trained of tax merits connected to the agreement from the lawyer. When attempting to find criminal counsel, ask possibilities whether or not they ever drafted a personal loan contract. furthermore, inquire in regards to the costs concerned in drafting the settlement through your self or entrusting the lawyer with the assignment. Promissory note A promissory observe is a substitute for a loan agreement when documenting any borrowed cash. They constantly include equivalent provisions to a mortgage agreement corresponding to reimbursement terms and mortgage safety. The borrower is the only 1 who indications the observe through engaging in to pay a certain quantity of money to the lender at set due dates. it is convenient to implement the terms of the be aware because it contains simple enforcement techniques that deliver effective options against defaulting borrowers. In writing a promissory notice, include particulars concerning the promisor, or the party carrying out the promise to repay the personal loan. different critical particulars relate to the promisee, date of the contract and the glory, which is the price of the personal loan. evade atmosphere high charges since it can volume to usury, which could be illegal on your state. avoid Arbitration Clauses When drafting a loan settlement, stay away from agreeing to arbitration clauses or jury trial waivers, which avoid you from exercising your rights and duties under the settlement. As a lender, the clause might evade you from taking felony motion within the experience that the borrower violates the settlement. if you are borrowing funds, prevent together with liability releases within the agreement because they deprive you of the correct to a declare against the lender if phrases are violated. looking for criminal information could help you avoid the hazards of legal responsibility releases. in regards to the writer based in Texas, bill West has been an auditor due to the fact that 2001. He has adventure in mergers, acquisitions, restructuring and fiscal analysis. invoice holds a master of company Administration in finance from the university of Texas. he is a Chartered financial Analyst and certified Public Accountant. picture credits Creatas images/Creatas/Getty photos bibliography-iconicon for annotation tool Cite this article choose citation vogue MLA APA Chicago (B) , bill. "a way to Write a personal loan settlement." Small company – Chron.com, http://smallbusiness.chron.com/write-personal loan-settlement-65159.html. Accessed 26 March 2020. , bill. (n.d.). how to Write a loan contract. Small company – Chron.com. Retrieved from http://smallbusiness.chron.com/write-personal loan-agreement-65159.html , bill. "how to Write a personal loan contract" accessed March 26, 2020. http://smallbusiness.chron.com/write-personal loan-settlement-65159.html copy quotation note: depending on which textual content editor you’re pasting into, you might have to add the italics to the web page name..
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