7* NBA *HEAVY HITTER* on Raptors +5.5
The Key: The Knicks are 4-10 ATS in their last 14 games as a road favorite while the Raptors are 6-2-1 ATS in their last 9 games as a home underdog.

6* Suns +3.5
The Key: The Suns are 4-0 ATS in their last 4 games as an underdog of 5 points or less, and the Pacers are 8-25 ATS in their last 33 games when playing without a day of rest.

6* Marquette -2
The Key: The Golden Eagles are 6-1 ATS in their last 7 games as a favorite and 4-1 ATS in their last 5 NCAA Tournament games.

7* NBA *HEAVY HITTER* on Kings -1.5
The Key: The Jazz are only 6-16 on the road this season and have lost their last 2 in Sacramento by 9 and 7 points. The Jazz are 0-5 ATS in their last 5 games as a road underdog of fewer than 5 points and 0-4 ATS in their last 4 meetings with the Kings.

7* NCAA Tournament Game of the Year on Cincy +7.5
The Key: The Bearcats are 8-1 ATS in their last 9 games overall, 4-1 ATS in their last 5 games as an underdog and 8-3 ATS in their last 11 neutral site games as an underdog. Cincy is 13-4 ATS in all games away from home this season and 8-1 ATS in non-conference away games over the last 2 seasons. It has won by an average of 10.0 points in this situation. Take the points as Cincy has an excellent opportunity to win this one straight up.

6* Louisville +5
The Key: The Cardinals are 6-0 ATS in their last 6 games overall and 5-1 ATS in their last 6 games as an underdog of fewer than 7 points.

6* Wisconsin +3.5
The Key: The Orange are 2-7 ATS in their last 9 games as a favorite and 0-5 ATS in their last 5 games following an ATS win. The Badgers are 4-1 ATS in their last 5 NCAA Tournament games, 5-2 ATS in their last 7 NCAA Tournament games as an underdog of fewer than 7 points and 16-5 ATS in their last 21 non-conference games.

6* Spurs -9.5
The Key: The Spurs are 16-6-1 ATS in their last 23 games overall, 8-3 ATS in their last 11 home games and 4-1 ATS in their last 5 games as a home favorite of 5.0-10.5 points.

6* Raptors +7.5
The Key: The Toronto Raptors are 6-1-1 ATS in their last 8 home games as an underdog.

7* NBA Blowout Game of the Year on Magic -8.5
The Key: Plays on home teams (ORLANDO) off an upset loss by 15 points or more that are up against an opponent off a road cover where it lost straight up as an underdog are 25-6 ATS since 1996. Teams have won by an average of 12.7 points in this situation. Also, teams coached by Stan Van Gundy are 14-3 ATS all-time after a blowout loss by 20 points or more. The Magic are 4-0 ATS in their last 4 home games vs. a team with a losing road record, 6-1 ATS in their last 7 games as a home favorite, and the favorite is 5-0 ATS in the last 5 meetings. The Magic have won the last 2 and 4 of the last 5 against Phoenix with those 4 wins coming by 23, 16, 22 and 12 points.

6* NBA Bailout on Kings +3.5
The Key: The Grizzlies are 0-4 ATS in their last 4 games as a favorite while the Kings are 4-0 ATS in their last 4 games as an underdog.

7* NBA *HEAVY HITTER* on Pacers -3.5
The Key: The home team is 5-0 ATS in the last 5 meetings. The Pacers have won the two games played in Indy during this stretch by an average of 20.0 points.

6* NIT CA$H COW on Drexel -6
The Key: The Dragons are an undefeated 15-0 at home where they carry a 13.2-point average margin of victory. Expect Drexel's home dominance to continue.

6* NIT Bailout on Illinois State +8.5
The Key: Illinois State is 7-0 ATS in road games off a road win under coach Jankovich, winning by an average of 10.2 points in this situation. It is also 6-0 ATS in all tournament games this season, winning them by an average of 3.7 points.

6* Nuggets -4
The Key: The Dallas Mavericks have dropped their last 7 away from home with those 7 losses coming by 9.4 ppg.

6* Timberwolves +2
The Key: The Timberwolves are 6-1 ATS in their last 7 games following a loss of more than 10 points and 7-3 ATS in their last 10 games as an underdog.

7* CBI Tournament Game of the Year on Penn pk
The Key: Odds makers are begging for action on the two-time national runner-ups but we won't bite. The Bulldogs are just 5-11-1 ATS in their last 17 road games and 1-8 ATS in their last 9 road games when the line is +3 to -3. They have lost these contests by an average of 6.5 points. Penn has won 6 in a row and 8 of 9 at home with the only loss in this stretch coming to NCAA tournament qualifier Harvard. Pound Penn.

6* Celtics +1.5
The Key: The Atlanta Hawks are only 4-10 ATS in their last 14 home games as a favorite of fewer than 5 points.

7* Round of 32 Game of the Year on Cincinnati +3
The Key: The Seminoles are 4-10 ATS in their last 14 neutral site games as a favorite, 1-4 ATS in their last 5 NCAA Tournament games as a favorite and 1-6 ATS in their last 7 games as a favorite of fewer than 7 points. The Bearcats are 9-3 ATS in their last 12 neutral site games and 7-3 ATS in their last 10 games as an underdog.

6* Heat -8.5
The Key: Miami is 18-2 at home where it has won by an average of 12.5 points and defeated Orlando by 12 points last month. The Heat are 6-2 ATS in their last 8 games as a home favorite of 5.0-10.5 points.

6* Cavaliers +2.5
The Key: The Cavs are on an 8-1 ATS run as an underdog of less than 5 points.

6* Warriors +7.5
The Key: The Warriors are 12-4 ATS in their last 16 games as an underdog of 5.0-10.5 points.

6* Mavericks -3
The Key: The Mavs are 5-0 ATS in their last 5 games against good teams carrying better than a 60% winning percentage.

7* NCAA Tourney *HEAVY HITTER* on Baylor -7.5
The Key: After getting a bit of a scare from 14-seed South Dakota State, expect Baylor to be very focused when it hits the floor tonight. Plays on favorites of 3.5 to 9.5 points (BAYLOR) after 3 straight games committing 14 or less turnovers and up against an opponent that committed 12+ more turnovers than its opponent last game are 42-15 ATS since 1997. This system, which is 19-4 ATS the last 5 seasons, has seen the "play on" side win by an average of 10.2 points. Bet Baylor.

6* Indiana -6
The Key: The Hoosiers are 5-1 ATS in their last 6 games overall and 8-0 ATS in their last 8 games against non-conference foes.

6* Bobcats +2.5
The Key: The Raptors are 1-10 ATS in their last 11 meetings with the Bobcats.

6* Timberwolves +8
The Key: The Timberwolves are 17-8 ATS in their last 25 games as an underdog, 11-4 ATS in their last 15 road games vs. a team with a winning home record and 6-1 ATS in their last 7 games as a road underdog of 5.0-10.5 points. The Lakers are 1-4 ATS in their last 5 home games versus Minnesota and 0-4 ATS in their last 4 games as a favorite of 5.0-10.5 points.

6* Xavier +2.5
The Key: The Musketeers are 9-2-1 ATS in their last 12 NCAA Tournament games as an underdog while the Fighting Irish are 1-5 ATS in their last 6 NCAA Tournament games as a favorite.

6* Detroit +14
The Key: The Titans are 4-1-1 ATS in their last 6 games as an underdog of 13.0 points or more. The often overvalued Jayhawks are 2-5 ATS in their last 7 NCAA Tournament games.

6* Kings +3
The Key: I like the Kings in the home dog role regardless of whether Tyreke Evans plays tonight. The Celtics are 2-9 ATS in their last 11 road games and 0-5 ATS in their last 5 games as a road favorite of 4.5 points or fewer. The Kings are 13-4 ATS in their last 17 games as an underdog.

6* Blazers +9
The Key: The Blazers traded away some key players and fired their coach but I still expect them to show up tonight following back-to-back embarrassing losses. Luol Deng's wrist isn't at full strength and Derrick Rose is expected to miss with a groin injury. The Bulls will be much more concerned with tomorrow's game against Philly, which gives Portland an excellent opportunity to cover this number.

6* Michigan -5.5
The Key: Expect a strong performance from Michigan as it enters the Dance motivated following an embarrassing loss to Ohio State in the Big Ten tourney. The Wolverines are 36-16 ATS in their last 52 games following a SU loss and 10-2 ATS in their last 12 games following an ATS loss.

6* Virginia +4
The Key: The Cavaliers are 15-5 ATS in their last 20 games as an underdog and 7-1 ATS in their last 8 non-conference games.

6* Alabama -1.5
The Key: Alabama is the more athletic and more physical team and should march on here. The Creighton Bluejays are 1-5 ATS in their last 6 games overall, 1-7 ATS in their last 8 games versus teams with a winning record and 0-4 ATS in their last 4 NCAA Tournament games.

7* First Round Game of the Year on NC State -2
The Key: The Wolfpack are 5-0-1 ATS in their last 6 games overall, 3-0-1 ATS in their last 4 games following an ATS win, 3-0-1 ATS in their last 4 games versus a team with a winning record, 5-0 ATS in their last 5 neutral site games and 4-0 ATS in their last 4 neutral site games as a favorite. NC State enters the NCAA tourney with tons of confidence after an impressive showing against No. 1 seed North Carolina, and I expect it to parlay that confidence into a big win over a San Diego State team odds makers clearly don't have much respect for (#6 seed catching points against a #11).

6* Cincy -2
The Key: The Bearcats are 5-2 ATS in their last 7 NCAA Tournament games as a favorite and 4-0 ATS in their last 4 NCAA Tournament games as a favorite of fewer than 7 points.

7* NCAA Tournament *HEAVY HITTER* on UNLV -5.5
The Key: Colorado enters the Dance overvalued following its Pac-12 tourney title run, and I expect it to come back down to earth here. The Runnin' Rebels will be very focused following early exits in the NCAA tourney the past two seasons. UNLV's talent is unmistakable. We're talking about a team that defeated tourney teams North Carolina, Cal, New Mexico and Colorado State by double digits. The Buffaloes are only 2-10 ATS after covering the spread in 3 of their last 4 over the last 2 seasons.

7* NBA *HEAVY HITTER* on Thunder -1
The Key: The Thunder are 52-24-1 ATS in their last 77 games following a loss, 5-1 ATS in their last 6 games as a favorite of 4.5 or fewer points and 36-16-1 ATS in their last 53 games as a road favorite of 4.5 or fewer points. The Nuggets are 1-4 ATS in their last 5 home games and 1-6-1 ATS in their last 8 home games vs. a team with a winning road record. Take OKC.

6* South Dakota State +8
The Key: The Baylor Bears are 2-8 ATS in their last 10 games as a favorite of 7.0-12.5 points. The Jackrabbits are 6-0-1 ATS in their last 7 non-conference games.

6* Wichita State -6
The Key: The Shockers are 7-1 ATS in their last 8 games overall, 6-1 ATS in their last 7 games as a favorite and 10-3 ATS in their last 13 neutral site games as a favorite. The Rams are 1-5 ATS in their last 6 neutral site games.

6* Long Beach State +4
The Key: The 49ers are 7-2 ATS in their last 9 games overall, 5-1 ATS in their last 6 games vs. a team with a winning percentage above .600, 5-1 ATS in their last 6 non-conference games and 7-3 ATS in their last 10 neutral site games.

6* Montana +9.5
The Key: The Grizzlies are 15-5 ATS in their last 20 games overall, 4-0 ATS in their last 4 games versus a team with a winning record and 4-1 ATS in their last 5 NCAA Tournament games as an underdog. The Badgers are 2-5 ATS in their last 7 games as a favorite.

6* Southern Miss +5
The Key: The Wildcats are just 2-10 ATS in their last 12 games when matched up against a team with a winning record. The Golden Eagles are 4-1 ATS in their last 5 games as an underdog.

6* Western Illinois +11.5
The Key: The Leathernecks are 4-0 ATS in their last 4 games as an underdog and 11-1 ATS in their last 12 games vs. a team with a winning record.

6* Oral Roberts -5.5
The Key: The Oral Roberts Golden Eagles are an impressive 7-0 ATS in their last 7 home games when listed as a favorite of 6.5 or fewer points.

6* Bucknell +8.5
The Key: Arizona is 5-13 ATS in its last 18 home games after a game in which it failed to cover the number. It has only won by an average of 5.4 points in this situation.

7* NBA Western Conference Game of the Month on Hornets +5
The Key: The Lakers continues to be overvalued on the road despite continuing struggles away from home and we'll take advantage. L.A. is 0-6 ATS in its last 6 road games when listed as a favorite.

6* St. Joseph's -7
The Key: The Panthers are 0-6-2 ATS in their last 8 road games. The Hawks are 10-2 ATS in their last 12 games as a home favorite.

7* NBA *HEAVY HITTER* on Kings -3
The Key: The Warriors are 5-12 ATS in their last 17 games as an underdog of 4.5 or fewer points and 0-4 ATS in the last 4 meetings in this series.

6* NCAAB CA$H COW on Middle Tennessee State -5.5
The Key: MTSU is 6-0 ATS when playing against a team with a winning record this season. It has defeated these teams by an average of 9.6 points.

6* Timberwolves +4
The Key: The Timberwolves are 13-6 ATS in their last 19 road games and 7-3 ATS in their last 10 games as a road underdog. In addition, the road team is 8-3 ATS in the last 11 meetings.

7* NBA *HEAVY HITTER* on Jazz -7.5
The Key: Off consecutive defeats on the road, the Jazz are back home where they are 14-6 on the season. Expect them to bounce back strong against a Detroit team that is just 3-15 on the highway this season. The Jazz have won their last 8 at home in this series with those victories coming by an average of 9.0 points. Lay the number.

7* NBA *HEAVY HITTER* on Nuggets -6
The Key: Denver has won 8 in a row at home against the Grizzlies and is 18-1 at home all-time against the Grizzlies since they moved to Memphis. 7 of Denver's last 8 home wins against Memphis have come by at least 9 points.

6* Michigan State +2
The Key: Spartans are 4-0 ATS in their last 4 games as an underdog, 15-6-1 ATS in their last 22 neutral site games as an underdog and the underdog is 5-0 ATS in the last 5 meetings.

6* Vandy +8
The Key: This experienced Vandy squad has played Kentucky tougher than anyone else in the SEC this season, and I expect it to give the Wildcats a game this afternoon. The Wildcats are 4-10-1 ATS in their last 15 games as a favorite of 7.0-12.5 points. The Commodores are 12-4 ATS in their last 16 games as an underdog and 4-0 ATS in their last 4 games as an underdog of 7.0-12.5 points.

6* North Carolina -6
The Key: This game is about payback for UNC, who was embarrassed by 33 points by FSU during the regular season. The Tar Heels are 7-2 ATS in their last 9 games as a favorite and 11-5-1 ATS in their last 17 games as a favorite of 6.5 points or less.

7* NBA Eastern Conference Game of the Year on Pacers +9.5
The Key: As if enduring consecutive losses isn't enough motivation, the Pacers will draw further incentive from losses of 35 and 15 points to Miami in the season's first two meetings. The results of those matchups will cause Indiana to be more focused than it has been all season. The Heat can't help but take the Pacers lightly here with the way they dominated the first two. The fact Miami enters off 2 days' rest is great news considering it has lost 8 in a row ATS when playing on 2 days' rest. It is only winning by an average score of 99.6 to 98.6 in this situation. This is a great spot for a hungry Indiana team against a Miami squad that will be overlooking its opponent.

6* Trail Blazers -5
The Key: Portland is struggling but should be able to get back on track against the lowly Wizards. Washington came from 21 down to beat the Lakers in their last game but are 6-25 ATS after 1 or more consecutive wins over the last 2 seasons. They have lost by an average of 12.4 points in this situation.

6* NC State +9
The Key: NC State is a strong 8-2 ATS when playing away from home against conference opponents this season.

6* Florida +9.5
The Key: Kentucky is just 4-9-1 ATS in its last 14 games when valued as a favorite of 7 to 12.5 points.

6* St. Bonaventure -2.5
The Key: The Bonnies are a terrific 12-3 ATS when laying points this season.

6* Cal Poly SLO +5
The Key: The value lies with Cal Poly here considering UCSB is just 8-21 ATS in its last 29 games after 4 or more consecutive wins. UCSB is actually losing by an average of 2.8 points in this situation.

6* Buffalo +3.5
The Key: The Buffalo Bulls are 7-3 ATS in their last 10 neutral site games as an underdog, and the underdog is 4-1 ATS in the last 5 meetings.

6* Cal Irvine +13
The Key: The Anteaters are 4-1 ATS in their last 5 games as a road underdog and 5-1 ATS in their last 6 meetings at Long Beach State.

6* Clippers +5
The Key: The LA Clippers have been a solid investment when catching points, covering the spread in 5 of their last 6 as an underdog.

7* NBA *HEAVY HITTER* on Lakers -113
The Key: Following back-to-back losses to lowly teams in which the Lakers blew double-digit leads, look for LA to drop the hammer on the T-Wolves. The Lakers are on a 17-0 run against Minnesota with 10 of those wins coming by 10 points or more.

6* Kent State +2
The Key: Kent State was held to 55 points in a 6-point loss to Akron on March 2, but history is on our side here. The Golden Flashes are 18-5 ATS in their last 23 games when looking for revenge for a defeat in which they were held to less than 60 points. They have won by an average of 5.3 points in this situation.

6* Baylor +6.5
The Key: Baylor, the last team to defeat Kansas in the Big 12 tourney, has covered the number in 10 of its last 14 neutral court contests when catching points.

6* Bobcats +1.5
The Key: The Nets have been a fool's gold favorite at 0-4 ATS in their last 4 games in the role.

6* Conference Tourney Bailout on Wyoming +9.5
The Key: The Runnin' Rebels are 1-5 ATS in their last 6 games as a favorite of 7.0-12.5 points, 0-4 ATS in their last 4 games following a win and 1-4 ATS in their last 4 games versus the Cowboys.

7* NBA *HEAVY HITTER* on Suns +3.5
The Key: The Mavericks are 2-5 ATS in their last 7 games as a road favorite and 0-4 ATS in their last 4 games vs. a team with a losing record. The Suns are 5-1 ATS in their last 6 home games and 7-3 ATS in their last 10 games as an underdog of 4.5 points or less.

7* MWC Tournament Game of the Year on Air Force +14.5
The Key: The Falcons are 13-3 ATS in their last 16 neutral site games, 10-1 ATS in their last 11 neutral site games as an underdog and 5-1 ATS in their last 6 games as an underdog of 13.0 points or more. Also, they are on a 31-13 ATS run in road/neutral court games when out for revenge for two consecutive losses to a foe.

6* Cal Irvine +7.5
The Key: The Anteaters are 4-0-1 ATS in their last 5 games as an underdog of 7.0-12.5 points while the Titans are 1-5 ATS in their last 6 games as a favorite of 7.0-12.5 points.

6* Pacific +10
The Key: The Pacific Tigers are 9-2 ATS in their last 11 games as an underdog.

6* Boise State +7.5
The Key: Neutral court teams (BOISE ST) coming off 2 straight losses by 10 points or more and matched up against an opponent that scored 80 points or more last game are 111-65 ATS since 1997. Teams fitting into this system have only lost by an average of 4.7 points.

6* Texas El Paso -3.5
The Key: UTEP's defense will be the difference tonight. Dickey's teams are just 2-11 ATS when playing away from home versus good defensive teams (allowing <=64 points/game) after 15+ games in all games he has coached since 1997. His teams have lost these games by an average of 16.0 points.

6* Bucks +7.5
The Key: Milwaukee is 8-1 ATS after playing 3 consecutive games as an underdog this season. It has won by an average of 6.9 points in this situation.

7* Big 12 Tournament Game of the Year on Texas A&M +2
The Key: Texas A&M is a perfect 5-0 ATS in its last 5 meetings with Oklahoma. It just lost at Oklahoma by 3 points on March 3, and I fully expect it to avenge that loss here.

6* Northern Illinois +10
The Key: The Huskies are 5-1 ATS in their last 6 games as an underdog. The Broncos are 4-12-1 ATS in their last 17 neutral site games as a favorite.

7* NBA *HEAVY HITTER* on 76ers -6
The Key: The Celtics are on an 0-7 ATS slide on the road, and we'll continue to fade them on the road here.

6* Eastern Washington +10
The Key: I'll gladly get behind the Eastern Washington Eagles at this price. They are 10-1-1 ATS in their last 12 games as an underdog of 7.0-12.5 points.

7* NBA Public Massacre Game of the Year on Pistons +6
The Key: The Lakers have either lost or won by 5 points or less in all 18 of their road games this season. This creates a powerful 18-0 trend in our favor. The Pistons have either won or lost by 6 points or less in 10 of their last 12 at home. We'll take the points.

6* George Washington +9
The Key: The underdog is on a 5-2 ATS run in this series.

6* UMass -4.5
The Key: The Minutemen are 13-6 ATS in their last 19 games as a home favorite and 4-1 ATS in their last 5 games as a home favorite of 6.5 points or less.

6* Western Kentucky +3
The Key: WKU is showing excellent value considering it is 9-1 ATS when playing away from home when out to avenge a road loss of 10 points or more to a foe. It has won these games by an average of 3.2 points.

6* South Carolina State +9.5
The Key: The SC State Bulldogs are 7-3 ATS in their last 10 neutral site games and 4-1 ATS in their last 5 neutral site games as an underdog.

7* WCC Championship *HEAVY HITTER* on Gonzaga -2.5
The Key: This is a game the Zags want badly as St. Mary's spoiled their 11-year run at the top of the conference this season. The Bulldogs are a perfect 5-0 ATS in their last 5 neutral site games as a favorite while the Gaels are 4-11 ATS in their last 15 neutral site games as an underdog.

6* Clippers +3
The Key: The Timberwolves 2-8 ATS in their last 10 games as a favorite and 1-5 ATS in their last 6 games as a home favorite of fewer than 5 points.

6* Cavaliers +2.5
The Key: The Cavaliers are 8-0 ATS in their last 8 games as an underdog of fewer than 5 points.

7* ACC Game of the Year on Maryland +4
The Key: Plays against road teams (VIRGINIA) - very good team outscoring opponents by 8+ points/game, after 2 straight close losses by 3 points or less, are 34-9 ATS since 1997. These teams have lost by an average of 6.1 points in this situation. The Terrapins are 4-0 ATS in their last 4 home games and 5-1 ATS in their last 6 games following a SU loss. Take Maryland as it wins this one outright.

6* UNLV -10
The Key: The Wyoming Cowboys are 0-6 ATS in their last 6 games as a road underdog of 7.0-12.5 points.

6* San Jose State +4
The Key: The SJSU Spartans are 5-2 ATS in their last 7 games as an underdog and the underdog is 4-0 ATS in the last 4 meetings.

7* NBA *HEAVY HITTER* on Pistons +8
The Key: The Pistons are 11-3 ATS in their last 14 games overall and 8-2 ATS in their last 10 games as an underdog. The Grizzlies are 0-4 ATS in their last 4 games as a favorite of 5.0-10.5 points.

6* TCU +2
The Key: The TCU Horned Frogs are 7-1 ATS in their last 8 vs. the Mountain West and 7-2 ATS in their last 9 games as an underdog of 6.5 points or less. The SDSU Aztecs are 2-5 ATS in their last 7 games as a favorite.

7* Big 12 Game of the Month on Iowa State -1.5
The Key: Good teams are almost always overvalued following lopsided wins and Baylor has been no exception. Fading the Bears off a cover as a double-digit favorite has produced a perfect 7-0 ATS record all-time with coach Drew at the helm. The Bears have lost these games by an average of 4.3 points. Also, Baylor has never won at Iowa State (0-9 all-time).

6* Air Force +3
The Key: The Colorado State Rams have dropped 6 straight on the highway with those losses coming by 14.0 points on average.

6* Marshall -2
The Key: The So. Miss Golden Eagles are 0-4 ATS in their last 4 games overall and 0-4-1 ATS in their last 5 games against Marshall.

6* MVC Tourney CA$H COW on Missouri State -2.5
The Key: Neutral court underdogs that have covered the spread in 6 or 7 of their last 8 and are playing just their 2nd game in 8 days are 48-89 (35%) ATS since 1997. They are just 6-18 (25%) ATS the last 3 seasons.

6* MAAC Tourney CA$H COW on St. Peter's +5
The Key: Neutral court underdogs off a loss by 10 points or more to a conference rival and matched up against an opponent off a home win by 10 points or more are 52-22 (70.3%) ATS since 1997. This system is 13-4 (76%) ATS the last 3 seasons.

7* NBA *HEAVY HITTER* on Raptors +4.5
The Key: Toronto, which is 9-2-1 ATS in its last 12 games, should not be catching this many points against a Memphis team that is just 6-10 away from home. The Raptors are 5-0-1 ATS in their last 6 games as an underdog and the home team is 6-1 ATS in the last 7 meetings.