Concealed carry, or self-defense, insurance makes sense because of the exceptionally high costs associated with a legal defense. Similar to the reason you carry a gun to begin with: just in case. It is likely that you will never use your gun in self-defense. However, every year, thousands of people rely on their firearm to survive an attack.House Bill 430 (see below), spearheaded by Delegate Terri Hill and co-sponsored by several other delegates, proposes a unique requirement for gun owners: mandatory liability insurance of at least $300,000 for those wishing to carry concealed. This bill emerges amidst ongoing debates over gun control and the rights of gun owners.2 Oct 2013 ... Company offers insurance for gun owners with conceal carry permits ... ORLANDO, Fla. — A company is offering insurance to defend a person if they' ...Be mindful: if you allow a concealed carry holder to serve in a non-security related function (usher, teacher, etc.), you may still be liable. If there is an ...May 2, 2020 · Best Concealed Carry Insurance Companies. Comparison Chart. Share this Image On Your Site. Conclusion. One of the most crucial aspects of being a concealed carrier is being prepared to defend yourself legally while defending yourself physically. This is where concealed carry insurance comes into play. Learn about the best providers in the market. This can clear up confusion, help you avoid formal arrest, and spare you from conviction. Most, if not all, defense costs may be covered if you have concealed carry insurance. Find out more about how to best approach your defense when you reach out to Fienman Defense for a no-obligation consultation. Call (215) 839-9529 or contact us for …Wisconsin enacted its first law against concealed carry on Feb. 14, 1872. It prohibited a person from going "armed with a concealed dirk, dagger, sword, pistol, or pistols, revolver, slung-shot, brass knuckles, or other offensive and dangerous weapon," contained a self-defense exception, and excused individuals who possessed a …As of 2015, all states but 14, including Washington, Oregon, Nevada, California and Minnesota, and the District of Columbia honor Texas concealed carry permits, according to the Te...Special permits are required to carry concealed weapons in 46 states that include Massachusetts, California, Florida, Utah and Oklahoma, explains the Law Center to Prevent Gun Viol...The Concealed Carry Gun Tools App works with Android and iPhones and is completely free. It has a full legal rundown for every state's gun laws, reciprocity maps and so much more. Please consider checking it out, you won't be disappointed. The App is available for Android and iPhone and is FREE.USLawShield offers concealed carry insurance for gun owners who want to protect themselves legally. Members get access to a network of attorneys, a 24/7 hotline, legal … Welcome USCCA and US Law Shield Members! Call (855) 639-2297 M-F 8:00AM-5:00PM (Central). CCW Safe is a trusted provider since 2011. Dec 29, 2020 · Concealed Carry Insurance covers two main expenses — retainer for a lawer and trial expenses. Policies Often Cover More Than Legal Expenses. They provide expert resources. Policy costs can vary. You need to know the law and your policy. Let’s look at five things you need to understand when shopping for concealed carry insurance plans. That said, good legal representation is never “cheap”! If you want both Civil Liability Coverage and Red Flag Law Coverage, CCW Safe ‘s Ultimate plan is the only option. It should be noted, it’s cheaper to get both USCCA ‘s Gold or Platinum plan and a U.S. LawShield plan (which covers Red Flag Laws) than it is to buy CCW Safe ‘s ...4.8. ( 12) Second Call Defense is one of a few companies that offer legal protection plans for self-defense – commonly, although inaccurately, called “CCW Insurance” or “Concealed Carry Insurance.”. In this Second Call Defense review, we’re going to explore what they offer for coverage details, whether they meet our “must have ...Depending on the vehicle, there are two ways to access the bolts for the torque converter. There will either be a cover or plate at the bottom of the bellhousing that conceals the ...Background. On June 23, 2022, in a 6-3 ruling, the U.S. Supreme Court struck down part of New York’s concealed carry law, a provision requiring an applicant to show “proper cause” in order to obtain a license to carry a concealed handgun outside their home. (New York does not allow handguns to be carried openly at all, and that ...Psychology has a fascinating and rich history, filled with amazing advances. But it wasn’t all progress. Psy Psychology has a fascinating and rich history, filled with amazing adva...Sep 29, 2022 · Second Call Defense - Best known for providing a wide range of support services and basic legal coverage. Bail costs up to $250,000. Per diem coverage up to $500 per day. Training and resources. Read More on it.. Or. Get a Deal. 3. USCCA - Best known for its high per diem rates. This depends on the company you choose to go with. There are 5 major companies known for concealed carry coverage: CCW Safe, USCCA, Second Call Defense, NRA Carry Guard, and US Law Shield. The differences between these 5 companies are so fast that it would be impossible to compare them effectively.Unless you are a millionaire who can finance your own legal defense, I would recommend getting it. It’s one of those things that you wish you had if something ever did happen. TonyPx4. The chances of needing concealed carry insurance are very low but so are chances of needing to use your firearm while carrying.Concealed carry is really only designed for one purpose: lawful defense. And if you find yourself needing to defend yourself or your family, your weapon needs to be easily accessible. There’s a right way and a wrong way to conceal carry. ... Self-defense or concealed carry insurance is something that all gun owners should consider investing ...If you are a CCW holder in NJ you will be required to have at a minimum of $300,000.00 in concealed carry insurance in New Jersey to be able to conceal carry your firearms. This legislation was signed into law by Gov. Murphy on 12/22/2022 and …1:03. Louisiana's law-abiding adults soon will be able to legally carry concealed handguns without permits or training after the Legislature gave final passage …CCW Safe will not pay those costs (this is what an insurance group does). -No caps or limits on the coverage they provide for both criminal and civil trial. -Not limited to just a firearm, and covers any weapon used for self defense, even your bare hands. -Pays for lawyers, investigators, expert witnesses, etc.CCW Safe and US Law Shield have already been ranked in our Best Concealed Carry Insurance List and each have their own full reviews: CCW Safe Review and US Law Shield Review.. But many of you have been asking for direct comparison of these two companies even though CCW Safe took the #1 spot.. In this CCW Safe vs US …Here are our top picks for concealed carry insurance plans and providers. Right to Bear Insurance enters the concealed carry arena with a bold commitment to …When you buy airfare with many American Express cards, your checked and carry-on baggage is automatically protected by Amex's baggage insurance plan. Editor’s note: This is a recur...If you own a car, you are generally required to carry a liability policy that will pay for damages you cause if you are at fault in an accident. However, your policy might not prov...The show featured accessories such as purses that make you wonder, is she reaching for her lip balm or her 9mm? On Aug. 25, a fashion show in Milwaukee, Wisconsin, displayed an Ame...The cost of concealed carry insurance will vary by coverage and insurance provider. However, you can expect to pay between $18 and $29 per month for basic coverage. Alternatively, you can end up spending closer to $49 a month for premium coverage from a provider who specializes in concealed carry insurance.Jun 5, 2019 · Both Washington and New York state gun owners have had an interesting battle with concealed carry insurance companies like the USCCA and NRA Carry Guard. Those states have made it illegal for these companies to do business, hanging the gun owners there out to dry. If you live in Washington and are a member of USCCA with coverage that's ending ... I came across a nice little breakdown of what to look for in a concealed carry legal plan, written by an actual attorney 1. His list of t hings to look for in self-defense insurance are: Attorneys’ Fees Coverage. Bail Bond Coverage. Access To An Attorney. Freedom To Choose An Attorney. Civil Judgement Coverage. Which is, all in all, a good list.Luke McCoy is the founder of USA Carry. In 2007, he launched USA Carry to provide concealed carry information and a community for those with concealed carry permits and firearm enthusiasts. Concealed carriers know you may have to defend yourself one day. Make sure your concealed carry insurance covers you in the event of a … Concealed Carry Insurance Options. As of mid-2020, there are 6 main companies offering comprehensive concealed carry/self-defense plans or memberships. Each company offers similar coverage, but there are some differences, so it’s important to take a close look at what they offer before signing up. Some CCW insurance providers may require that you take a firearms training course in Ohio. Some of the insurance providers may require that you have a concealed carry permit in states that require them before providing coverage to you. These are just a few of the exclusions that may pertain to your personal defense insurance policy.3. Where can concealed firearms be carried in Illinois? Concealed firearms are allowed in most public areas, such as restaurants, stores, and public transportation, with some exceptions, like schools, government buildings, and certain businesses that have posted signs prohibiting firearms. 4.The CCW (concealed carry weapons) subreddit is a community about sharing articles, tips, and links about various topics that address CCW. ... CCW insurance is a scam and you should 100% not buy it. Here’s why: USCCA’s lowest cost membership is $29 per month. Assuming you’re between 35 and 55 years old, you’ll have it or some other carry ...This can clear up confusion, help you avoid formal arrest, and spare you from conviction. Most, if not all, defense costs may be covered if you have concealed carry insurance. Find out more about how to best approach your defense when you reach out to Fienman Defense for a no-obligation consultation. Call (215) 839-9529 or contact us for …The Attorneys On Retainer program is not an insurance plan – it is an attorney/client fee agreement. Many of these companies that offer concealed carry insurance say they can provide significant financial assistance in the aftermath of a self-defense shooting. However, because they are backed by insurance companies, they will likely have ...Concealed carry insurance provides coverage in situations where a legally concealed firearm is involved in self-defense incidents or “stand your ground” uses. Depending on the type of policy you choose, your gun liability insurance will provide you with legal defense, pay damages, attorney retainer, defense costs, and more. ...Gun rights supporters have pushed for the law for nearly a decade, first allowing open carry for people who took the training to get a permit to carry a …Over the past couple of decades, the number of concealed carry permits has soared. In 2007, the number of concealed handgun permits in the United States was a relatively modest 4.6 million. As of 2021, that number has climbed to 21.52 million — and some states do not require permits for concealed carry.Under Minnesota law, individuals must obtain a permit to carry a handgun in public. There is no stipulation in the law regarding whether that weapon must be concealed. A permit to carry constitutes a permit to purchase. To obtain a permit to carry, fill out a Permit to Carry Application and submit it to the sheriff’s office in the county ...Automatic protection for your spouse at no extra charge. Each NRA Carry Guard member has his or her own insurance limit ranging from $250,000 to $1,000,000 depending on the level of coverage you choose. Civil defense legal fees in addition to the insurance limit for each membership level. Access to legal assistance and the ability to select ...Second Call Defense’s plan start at only $9.95 per month for a very limited plan. Three other tiers of coverage are available with different levels of benefits depending on your needs. Second Call has lower benefit limits than the other plans in this comparison, limiting criminal defense to a maximum of $100,000 and civil liability defense to ...When choosing between the United States Concealed Carry Association (USCCA) and the NRA for CCW insurance and self-defense legal coverage, it becomes evident that USCCA is the top pick. Several key factors make USCCA the superior choice: Comprehensive Coverage: USCCA offers more extensive coverage, including protection …About. The CCW Safe Defender Plan provides coverage for Concealed Carry Permit holders pursuant to any criminal, civil or administrative legal action stemming from a self-defense incident. A self-defense incident is any incident where force is used pursuant to a reasonable belief that use of deadly force is necessary to protect from imminent ...CCW Safe differs from the other insurance companies in a few important ways though: 1. No Limit for Criminal Defense. One of the main things to point out is that CCW Safe does not actually place a limit on the dollar amount available for criminal defense. This is a huge deal and ultimately what sold me on their plan.The Best Concealed Carry Insurance – Mini List. USCCA. One of the leading CCW insurance providers on the playing field, USCCA has been providing CCW insurance for a very long time. And with that time, comes experience. For obvious reasons, no policy is perfect, and there are some slight problems to the offerings by USCCA.Traveling kids need good travel gear just as much as adults. Here's a look at the Kids' Away Carry-On bag to see if it stands up to the test. Sure, you can probably toss your kids'...Automatic protection for your spouse at no extra charge. Each NRA Carry Guard member has his or her own insurance limit ranging from $250,000 to $1,000,000 depending on the level of coverage you choose. Civil defense legal fees in addition to the insurance limit for each membership level. Access to legal assistance and the ability to select ...However, I can help point you in the right direction so that you can make up your own mind on whether ccw insurance is right for you, and if it is, what concealed carry legal defense plan you should get. I compared and ranked the top 5 companies offering these type of legal protection services (it’s not really “insurance”) in this Review ...Dec 6, 2021 · The Defender plan is competitively priced at $15 a month, Ultimate is more than twice that at $35 a month. Defender members get $5,000 bond, up to $50,000 criminal, and $500,000 civil. Ultimate raises those numbers to a $25,000 bond, $100k criminal, and $1 Million civil. In fact, the National Survey on Drug Use and Health reported that in 2015, 92 million or 38% of Americans were prescribed an opioid painkiller. Estimates of concealed carry license holders in America are around 16 million, and the number of Americans who carry a firearm daily is probably higher due to the fact that some states do not require a ...Non-life insurance policies provide coverage to protect consumers against the risk of their insurance premiums. These types of policies are more common in European countries. Insur..."Concealed carry" means you can publicly carry a legally owned firearm that is hidden from view. Concealed carry is currently legal in all 50 states but some …U.S. Concealed Carry Association | Born to Protect. AVOID DANGER, SAVE LIVES & KEEP YOUR. FAMILY SAFE. Become a Member Find Training Near Me. Discover How …As a business owner in Florida, it is essential to understand the importance of having workers’ compensation insurance. The state of Florida requires employers to carry workers’ co...The CCW (concealed carry weapons) subreddit is a community about sharing articles, tips, and links about various topics that address CCW. ... CCW insurance is a scam and you should 100% not buy it. Here’s why: USCCA’s lowest cost membership is $29 per month. Assuming you’re between 35 and 55 years old, you’ll have it or some other carry ...Getty. On Jan. 25, 2022, San Jose fired a shot heard ‘round the country. By an overwhelming majority, the city council mandated that homeowners and renters in this wealthy California community ...Under Minnesota law, individuals must obtain a permit to carry a handgun in public. There is no stipulation in the law regarding whether that weapon must be concealed. A permit to carry constitutes a permit to purchase. To obtain a permit to carry, fill out a Permit to Carry Application and submit it to the sheriff’s office in the county ...Aug 13, 2023 · 5 Best Concealed Carry Insurance : By An Insurance Agent. Overwhelmed about which concealed carry insurance provider to choose for your situation? We compare a couple of the most popular options. BY Eric Hung, Founder, CEO and Paul Yen, Esq., Updated August 13, 2023. 132 Comments. Bookmark. We review products independently. How to Apply for a Missouri Concealed Carry Permit. Step 1: Complete 8 hours of firearms training or the 1-hour online NRA firearms safety course, with the remainder of the training provided by a qualified concealed carry instructor. Step 2: Download and complete a hard copy (or online for Boone County) application.Accidental Shooting Protection: $50,000. Criminal Defense Protection: $50,000*. The member’s insurance policy reimburses the Second Amendment foundation upon a not guilty verdict or similar outcome with no criminal charges being made. Added Features: Immediate Cash For Bond: $5,000 for bonds up to $50,000. 24/7 Emergency …The cost of coverage for a self-defense insurance policy in Arizona may be as little as $13 per month up to $69.00 per month depending on the insurance provider and the type of coverage that you choose. Most self-defense insurance providers have a tiered plan structure that provides for different levels of protection.CCW Safe will not pay those costs (this is what an insurance group does). -No caps or limits on the coverage they provide for both criminal and civil trial. -Not limited to just a firearm, and covers any weapon used for self defense, even your bare hands. -Pays for lawyers, investigators, expert witnesses, etc.USCCA (Us Concealed Carry Association) began its operations in 2003 and has since established itself as a fast-growing association whose members get self-defense education, training, and self-defense liability insurance* (often misquoted as concealed carry insurance) as benefits of USCCA membership. The USCCA seeks to …That said, good legal representation is never “cheap”! If you want both Civil Liability Coverage and Red Flag Law Coverage, CCW Safe ‘s Ultimate plan is the only option. It should be noted, it’s cheaper to get both USCCA ‘s Gold or Platinum plan and a U.S. LawShield plan (which covers Red Flag Laws) than it is to buy CCW Safe ‘s ...Ultimate Guide To Concealed Carry. By Corey Rawlins Updated on March 1, 2024. Both new gun owners and experienced gun owners alike have struggled with how to begin the concealed carry process. This concealed carry guide is a brief rundown, or checklist, to get you started successfully.Right To Bear Insurance Review. By Corey Rawlins Updated on February 29, 2024. In today’s world, where self-defense is a serious concern for many, “Right to Bear” legal defense protection has emerged as a notable player in the field of concealed carry insurance. This service aims to alleviate the financial burden and stress associated ...4.9. ( 164) USCCA and CCW Safe used to be ranked as our top two CCW insurance options. However, since USCCA changed their coverage/plan they dropped to #4 and CCW Safe is the clear winner. If you’d like to learn about how USCCA and CCW Safe compare to each other, read on. In this USCCA vs CCW Safe comparison, we’re …What Is a Carry Insurance Policy? At its core, the best CCW insurance coverage is the exchange of a monthly fee for guaranteed civil and criminal defense attorney representation for lawful self-defense involving a gun or other legal weapon. Membership fees are determined by the base rate, and the optional addition of extended coverage …Best Concealed Carry Insurance Companies. While there are a number of competitors, we selected a few we think are among the best. Each has their own pros …Traveling kids need good travel gear just as much as adults. Here's a look at the Kids' Away Carry-On bag to see if it stands up to the test. Sure, you can probably toss your kids'...Apr 28, 2022 · What Is a Carry Insurance Policy? At its core, the best CCW insurance coverage is the exchange of a monthly fee for guaranteed civil and criminal defense attorney representation for lawful self-defense involving a gun or other legal weapon. Membership fees are determined by the base rate, and the optional addition of extended coverage that ... Mar 6, 2024 · CCW Safe is our top pick for the best concealed carry insurance. What sets them apart is the price, coverage, and the experts they have on staff. They are also the only company that has successfully defended a self-defense case. CCW Safe has multiple plans for CCW permit holders and non-permit holders. Mar 1, 2024 · Ultimate Guide To Concealed Carry. By Corey Rawlins Updated on March 1, 2024. Both new gun owners and experienced gun owners alike have struggled with how to begin the concealed carry process. This concealed carry guide is a brief rundown, or checklist, to get you started successfully. CCW Safe is our top pick for the best concealed carry insurance. What sets them apart is the price, coverage, and the experts they have on staff. They are also the only company that has successfully defended a self-defense case. CCW Safe has multiple plans for CCW permit holders and non-permit holders.Florida Department of. Agriculture and Consumer Services. My Settings/Mi Configuración. MenuUltimate Guide To Concealed Carry. By Corey Rawlins Updated on March 1, 2024. Both new gun owners and experienced gun owners alike have struggled with how to begin the concealed carry process. This concealed carry guide is a brief rundown, or checklist, to get you started successfully.That said, good legal representation is never “cheap”! If you want both Civil Liability Coverage and Red Flag Law Coverage, CCW Safe ‘s Ultimate plan is the only option. It should be noted, it’s cheaper to get both USCCA ‘s Gold or Platinum plan and a U.S. LawShield plan (which covers Red Flag Laws) than it is to buy CCW Safe ‘s ...I came across a nice little breakdown of what to look for in a concealed carry legal plan, written by an actual attorney 1. His list of t hings to look for in self-defense insurance are: Attorneys’ Fees Coverage. Bail Bond Coverage. Access To An Attorney. Freedom To Choose An Attorney. Civil Judgement Coverage. Which is, all in all, a good list.Jun 5, 2019 · Both Washington and New York state gun owners have had an interesting battle with concealed carry insurance companies like the USCCA and NRA Carry Guard. Those states have made it illegal for these companies to do business, hanging the gun owners there out to dry. If you live in Washington and are a member of USCCA with coverage that's ending ... The Law Enforcement Officers Safety Act (LEOSA), often referred to as HR 218, allows qualified Law Enforcement officers (LEOs) and qualified retired LEOs (RLEOs) to concealed carry in any jurisdiction in the United States, regardless of state or local laws, with some exceptions. It was enacted in 2004 and amended in 2010 and 2013. Concealed carry, or carrying a concealed weapon (CCW), is the practice of carrying a weapon (such as a handgun) in public in a concealed manner, either on one's person or in close proximity.CCW is often practiced as a means of self-defense.Following the Supreme Court's NYSRPA v.Bruen decision, all states in the United States were required to allow …
Concealed Carry License (CCL) On July 9, 2013, Public Act 98-63, the Firearm Concealed Carry Act became state law (430 ILCS 66). This law requires an Illinois Concealed Carry License to carry a concealed firearm in Illinois.. Coffin comics
USCCA (Us Concealed Carry Association) began its operations in 2003 and has since established itself as a fast-growing association whose members get self-defense education, training, and self-defense liability insurance* (often misquoted as concealed carry insurance) as benefits of USCCA membership. The USCCA seeks to …The best concealed carry insurance is ultimately a personal decision based on individual needs and preferences. Some popular options include USCCA, NRA Carry Guard, and Second Call Defense, but it’s important to thoroughly research and compare policies to find the best fit for your specific situation.This is where you get the favorite answer of lawyers everywhere…it depends. While it seems like a cop-out, it really does depend on what you want, and what you think you’ll need. Even the staff here at Pew Pew Tactical have gone with different providers to suit our individual needs, ranging from USCCA to … See more4.9. ( 164) USCCA and CCW Safe used to be ranked as our top two CCW insurance options. However, since USCCA changed their coverage/plan they dropped to #4 and CCW Safe is the clear winner. If you’d like to learn about how USCCA and CCW Safe compare to each other, read on. In this USCCA vs CCW Safe comparison, we’re …Conceal Carry Insurance. Jump to Latest Follow 2K views 18 replies 12 participants last post by Alaska444 Jul 31, 2022. APPilot Discussion starter 300 posts · Joined 2022 Add to quote; Only show this user #1 · Jul 18, 2022. Folks, I have had USCCA for years now and was happy with them. ...Illinois Department of Corrections Parole Agents and Supervisors. The IROCC office also issues a document for active duty Illinois parole agents called the Illinois Parole Agent Concealed Carry card, or IPACC. This permit is issued under Illinois Public Act 096-0230. For information pertaining to the IPACC card please see the specific IPACC page.What Is Concealed Carry Insurance? Many Americans are coming to the realization that the best first line of defense is themselves. According to a 2021 article published by U.S. News & World Report, 5 million Americans became gun owners amidst the COVID-19 pandemic 1. And Americans continue to purchase guns at record levels — …February 21, 2024 by Nick Oetken. When considering concealed carry insurance, the best provider is subjective and depends on individual preferences and needs. It’s important to research and compare different options to find the best fit for your specific situation, considering factors such as coverage limits, legal defense coverage, and cost.In addition to offering education and training, the USCCA has purchased an insurance policy that provides the association and its members with self-defense liability insurance *. These benefits provide more than 795,000 USCCA Members with peace of mind. Delta Defense, LLC provides sales, marketing, operations and administrative support services ...locked in a container; or; a handgun worn, carried, or transported in compliance with any limitations imposed under § 5–307 of the Public Safety Article, by a person to whom a permit to wear, carry, or transport the handgun has been issued under Title 5, Subtitle 3 of the Public Safety Article (CR 4-111(B)(11)) On September 29, 2023, …Sep 10, 2023 · Wait, What About “Concealed Carry Insurance?” You probably know USCCA and other competitors for “concealed carry insurance” but it’s a common misnomer that stuck. All USCCA members become insured on the self-defense liability insurance policy issued to the USCCA*. And as of October 2021…there are no longer defense expense limits. The United States Concealed Carry Association is an association of over 800,000 responsibly armed members who get self -defense education, training, and self-defense liability insurance as benefits of USCCA membership.The Insider Trading Activity of WHEELER CARRIE on Markets Insider. Indices Commodities Currencies StocksThe cost of coverage for a self-defense insurance policy in Arizona may be as little as $13 per month up to $69.00 per month depending on the insurance provider and the type of coverage that you choose. Most self-defense insurance providers have a tiered plan structure that provides for different levels of protection.Download the USCCA's FREE Concealed Carry Apps: Built for Responsible Gun Owners. Transform your phone into a powerful everyday carry essential when you download these free mobile apps from the USCCA. Discover the self-defense knowledge and firearm training resources you need with Protector Academy App and carry confidently and travel ...That said, good legal representation is never “cheap”! If you want both Civil Liability Coverage and Red Flag Law Coverage, CCW Safe ‘s Ultimate plan is the only option. It should be noted, it’s cheaper to get both USCCA ‘s Gold or Platinum plan and a U.S. LawShield plan (which covers Red Flag Laws) than it is to buy CCW Safe ‘s ... The truth is that what you don’t know can incarcerate you. Second Call Defense was created to defend against both criminal and civil legal threats that may arise simply as the result of exercising your right to self-defense. We provide legal defense protection no matter what you use to defend yourself – a gun, knife, your car, fists, etc. When an insurance company settles a claim, it may carry out a review of the process after the claim is paid. This is known as an “ex post facto” audit; the phrase means “after the ....