enquiry@bnu. A. 80% of money transfers with Wise arrive within 24 hours. Bnu. According to the policy currency and only applicable to insured aged from 18 to 69 years old, the. O. Available in USD, GBP, AUD, EUR, CAD or… Banco Nacional Ultramarino. Veja o perfil de Vitor RosarioVitor Rosario no LinkedIn, a maior comunidade profissional do mundo. Banco Nacional Ultramarino (BNU; ; National Overseas Bank) is a Macau banking and financial services corporation. mo or call BNU 24-hour Service Hotline: 2833 5533. 75% cash rebate for your spending in Macau and 1% cash rebate for overseas spend, credited into your account on a quarterly basis. Download Center - BNU Macau. com. At BNU counters you can make deposits, withdrawals, transfers and payments. Veja o perfil completo no LinkedIn e descubra as conexões de VitorVitor e as vagas em empresas similares. If you enter the password incorrectly for three consecutive times, your "BNU Online" service will be suspended. For reissuing new password, please approach any of BNU branches with your valid identification document. Se ainda não tiver subscrito este serviço, poderá faze-lo bastando visitar qual…Banco Nacional Ultramarino. S. If you have not yet registered for "BNU Online" service, please apply the service at any BNU branches with your valid identification document. Benefit equal to 5% of the premium. 為安全起見，請勿. How It Works. Offers & Promotions Online Applications Card Activation Queuing PERSONALIt has intrigued many that, unlike Hong Kong, Macau avoided direct Japanese wartime occupation albeit being caught up in the vortex of the wider global conflict. The goal is to provide even faster and more direct access to meet… Banco Nacional Ultramarino. No subscription fees. 如連續三次輸入錯誤密碼，閣下之BNU網上銀行服務將被暫停。. 0. Ex-responsável foi para Macau José Rui Gomes, ex-diretor de risco da Caixa, mudou-se para o BNU Macau. Tahun berikutnya, bank ini membuka cabang di Luanda, Angola, dan Praia, Tanjung Verde. Fill form: Try Risk Free. BNU Macau Business WHAT'S ON BNU Stock Trading Campaign BNU Pay Gas Campaign Royal Supermarket & Grand Mart Offers e-Application: simplify banking Offers &. BNU understands that achieving your personal goals is a top priority. Platinum Gold Classic. Currently, I worked at the Finance Department of Macau Post and Telecommunication Bureau. > Date: October 13, 2023; > Time: 5:00 - 6:00 AM (Macau time zone); > Affected services: withdrawals, merchant payments done with cards, card bill payments, card enquiries and other Credit and Debit card-related services. BNU App - Get everything in one touch!BNU New Series of MOP Banknotes. Álvares said that “the interior design. BNU can receive payroll instruction by following channels: Hardcopy instruction. These students are required to take undergraduate entrance exams conducted by the Ministry of Education. com. 25% interest per year starting on the day of the withdrawal. BNU IFT Mastercard. Login ID. This function also requires the user to be registered at the Macau One Account App, provided by the Macau SAR government, in order to authenticate your identity. com. 3 bnu disclosure of financial report – june 2021 index for disclosure of financial information amcm’s guidelines dated 16/11/2012. INTEREST RATE. Donation to Tung Sin Tong Association (TST). Advices and best practices for a secure use of BNU Timor Internet Banking find. A. Easily sign the form with your finger6 BNU BNU ANNUAL REPORT 2020 BNU at a glance in figures 271,568 Customers 20 Branches in Macau & 1 Branch in Hengqin 500 Full time/permanent employees MOP 26,806 MM Gross Credit MOP 35,838 MM Deposits MOP 420. Download Center - BNU Macau. employment letter & tar returns, etc); Copy of latest 3 months Bank Statement (for non-BNU customers only); Address Proof (e. Enjoy from a great variety of discounts to generous rewards for your BNU Credit Cards, BNU Debit Cards and several Digital Payment Apps. This new BNU product was created in partnership with Cathay Membership Programme - Asia's leading travel and lifestyle reward program with over eleven million members and over 800 program partners worldwide – in order to create something new and exclusive for Macau. BNU Business Online Banking (BOB) may help to fix your cash management process in one click! With BOB, you can perform a variety of banking transactions and manage your accounts from anywhere, at. construed in accordance with the laws of the Macau SAR and the parties herein agree in submitting all conflicts arising from these terms and conditions or in connection with the use of BNU Visa/MasterCard Credit Card to the non-exclusive jurisdiction of the Courts of Macau. <iframe src="height="0" width="0" style="display:none;visibility:hidden"></iframe>In addition to the 20 branches of BNU Macao in Taipa and Macao, CGD Group is also present in China with a representative office in Shanghai and a branch in Zhuhai. Make your donation. Legal Name Banco Nacional Ultramarino S. Easy, convenient and secure! ONE subscription, TWO ways to access at your disposal. Since you’re asking about real-time data you may be thinking about short term or day trading. Download it now and get superior convenience. Vacancies. BNU isn’t great for that unless you’ve got a good amount of money to risk, and/or are very consistent in your trades. S. Call 3989617 for any comment or suggestion related to our customer service. BNU 網上銀行. Special remark also given to BNU's online banking solutions for both companies and individual clients, which follows the unique era that the world is. Fachada do Banco Nacional Ultramarino em Lisboa: Armas de Portugal e das províncias ultramarinas para as quais o BNU era responsável pela cunhagem da moeda. Please click Security Advices for more information. Subscribe today via BNU App or B. 75% of your spending in Macau and 1% of your spending overseas in return of cash rebate to your credit card account; Travel and. Previously I worked as a Team Head of Internal Control and Risk Analyst in BNU Macau. | 479 volgers op LinkedIn. Full–time. Your kid's financial journey starts at. e. BNU Cards & Apple Pay. <br><br>Taking advantage of Macau have been considered by People’s Republic of China , as the business and financial platform between China and. 總行地址：澳門新馬路 22 號 Head Office Address: Av. mo. 為安全起見，請勿. A. BNU donates MOP 100,000 to Macau Red Cross. BNU Pay Clients will be informed through the BNU App messages once the monthly quota is used up. Home Shopping Shoppes Banks & Services BNU. | 486 followers on LinkedIn. Hong Kong Technology Venture Career. BNU - Online Banking. A. BNU Pay Gas Stations Campaign Easy to pay, digital all the way. Av. 2. 3 million. (BNU) Internet banking service of BNU (inclusive UM Affinity Card)/BOC/ICBC/TFB, please contact your bank for the procedure of online payment. 1. Unit 601. A. BNU Macau Home Personal Corporate Digital Solutions Our Bank English English. Being part of the CGD Group, one of the largest financial institutions with an extensive global network. 中銀銀行澳門分行. . 2. Easy Transfer is a transfer system that is supported by AMCM and integrated into the BNU Business Online Banking (BOB). This code is essential for authenticating international wire transfers. BNU MGM UnionPay Triple Currency. Almeida Ribeiro, no. To access your BNU Business Online Banking, please enter your Login ID and Password. 01/share. If you enter the password incorrectly for three consecutive times, your "BNU Online" service will be suspended. (“BNU” or “the Bank”) is a limited liability company by shares incorporated in Macao Special Administrative Region (“Macao SAR” or “Macao”) and a licensed bank authorized under the laws of Macau SAR. The BNU American Express ® Gold Card introduces you to a world of privileges, year-round offers and travel, leisure, dining and shopping advantages. mo. enquiry@bnu. m. Platinum Gold. Using your ATM card you can make withdrawals, transfers and bill payments at any of our ATM machines throughout Macau and Taipa. Almeida Ribeiro, Nº. Macau macau. BNU Business Online Banking (BOB) may help to fix your cash management process in one click! With BOB, you can perform a variety of banking transactions and manage your accounts from anywhere, at. The bank said that “ BNU Pay”, for UnionPay cardholders, allows customers to pay with their smartphone not only in Macao but also in mainland China and overseas. Banking Macau, Macau 623 followers BNU is a diversified local bank, which is proud of its history of supporting and serving the local community in Macau. BNU - Online Banking. Online Applications. If you have not yet registered for "BNU Online" service, please apply the service at any BNU branches with your valid identification document. Browse offers across dinning, shopping and much more. - We are pleased to inform you that OCBC Wing Hang Bank Limited has changed its legal name to OCBC Bank (Macau) Limited, the new website domain is now Please enjoy our banking services. História. +853 2857 6001. 4,489 likes. If you are a BNU Online Banking (BOL) customer, you may login the. Banco Nacional Ultramarino. Pay BUS fares with BNU Pay in Macau & HK! Offers & Promotions Online Applications Card Activation Queuing PERSONAL BNU Junior. Interview with Pedro Cardoso, Chief Executive Officer of BNU, which has been a century-old pillar of Macau’s economy. <br>After a brief passage through the insurance business, since 2005 I'm working in banking. 1865 - O BNU abre dependências em Luanda ( Angola) e na Praia ( Cabo Verde ). PREMIUM. Location: Beijing, China. Other BNU. BNU App - Get everything in one touch! 1. This is usually found under a "Join Us" or "Careers" tab. <br>I started my career in 2004 and since then I have been working in the financial sector. Both a commercial and issuing bank, the site offers information on commercial and personal accounts, investment services, credit cards, mobile and internet banking. Know more by clicking here. Login ID : Password :If you want to transfer funds from your BNU account to an account with other banks in Macau, click the "Accounts in Other Banks in Macau" inside the "Fund Transfer" tag in the top main menu bar. Address is 22 & 38 Avenida De Almeida Ribeiro, Macau. Over 5,000 shares, add USD 0. Qualification PhD. Status: Operating Nova City Branch. Non-Mandatory Central Provident Fund (CPF) System has been launched in 2018. Hint: Enjoy 15% off, all year round, by subscribing it via BNU App or Online Banking! Travel insurance is essential for a peaceful and safe trip. PREMIUM. 25% interest per year starting on the day of the withdrawal. If you enter the password. BNU Macau Home Personal. | 614 seguidores no LinkedIn. Av. Type: (, BIR, BI, HID, Passport, etc) Requests the following: A / Change my Maximum Daily Cycle Limit for Fill & Sign Online, Print, Email, Fax, or Download Get Form Form Popularity bnu mobile banking form. 2. Banco Nacional Ultramarino (BNU) recorded a profit of MOP 447. Vacancies. Aries Un. BNU, a renowned financial institution with a 121-year history in Macau, was honored to receive a delegation of distinguished representatives from the Portuguese Speaking Countries’ Central Banks, at the invitation of the Monetary Authority of Macau (AMCM). Rebates on F&B spending in Macau Stock Trading Online. com. Related Content. Banco Nacional Ultramarino. Asia Pacific currencies. For over a century, BNU has been working with. , password or any personal info. S. Exchange Rate. Tiga tahun setelah itu, pada tahun 1868, BNU membuka cabang di Sao Tome dan Principe,. How to fill out BNU Macau online: 01. Start making mobile payments today with BNU! BNU partnered with MacauPass to bring you a new and trendy way of doing mobile payments. 1 m. Withdraw cash in Macau or abroad with our BNU Maestro or CUP card. Employer: Beijing Normal University ( website) Job Title: Vice-Dean for International Affairs of SLIBNU. Make your donation!BNU merchants can now accept mobile payments through WeChat Pay via association with UePay as well as UnionPay QR Code. Otherwise, it will be considered as late payment. 2. BNU is a diversified local bank, which is proud of its history of supporting and serving the local community in Macau. You have not logined or session expired. It is also published in BNU website and is provided to all staff upon joining the Bank. Status: Operating Nova City Branch. No subscription fees. Pay by using Autopay or Flexipay services: Autopay: On "Payment Due Date" the Balance (Statement Balance or Minimum Payment) will be automatically debited into your designated Current or Savings Account according to your pre-set instruction for "Full Payment" or. Download it now and simplify your banking! 2. 4. A. Almeida Ribeiro. Asia Pacific currencies. BNU Head Office; BNU NAPE Branch; BNU Areia Preta Branch; BNU Taipa (Flower City) Branch; BNU Chong Fu Branch; BNU Kinglight Garden Branch; BNU Cotai Branch; BNU Fai Chi Kei Branch; BNU Iao Hon Branch; BNU Mercado Vermelho Branch; BNU Costa Branch; BNU Chun Fok Branch; BNU Ha Wan; BNU Villa de Mer; BNU. Clearing code and branch code of Banco Nacional Ultramarino S. É um. Using a credit card to withdraw cash will also incur in cash advance fees (please consult the pricing list) and 29. Bnu. Over 5,000 shares, add USD 0. Your kid's financial journey starts at BNU e-Application. Banco Nacional Ultramarino. 09:30 - 18:00. It ceased existence as an independent legal entity in Portugal following its merger in 2001 with Caixa Geral de. Rua de Évora Nos 336-340, Fa Seng (Flower City) Ground Floor AA, Taipa, Macau (853) 2883 3633. BNU / / BNU Online/Mobile Banking Request Form To: BNU Macau Name: ID Document No. com Travel Offers with BNU Cards. 如欲補發新密碼，可帶同有效身分證明文件親臨本行辦理。. Customer Spot >. 03. For enquiries, please visit any of our branches or contact BNU 24-hour Service Hotline: 2833 5533. com. Status: Operating Nova City Branch. Get up to MOP20,000 gift cheque MaxValue 20. Click on the "Account Number" you wish to "Transfer From", and all your registered Savings / Current / Overdraft accounts are displayed for selection. mo. | 508 followers on LinkedIn. Eligible Referrer must have a valid Macau phone number registered in BNU to be contacted by BNU staff for gift collection within 2 (two) months after the campaign period. A. It was a Portuguese bank with operations throughout the world, especially in Portugal's former overseas provinces. Taipa, Macau (853) 2883 3633. Queuing. This service facilitates bank transfers within Macau, as customers only need to know the beneficiary’s mobile phone number, FPS ID, account number or credit card number. In MOP/ HKD/ USD/ EUR. Welcome to BNU Online To access BNU Online, please enter your Login ID and Password. 75% cash rebate for your spending in Macau and 1% cash rebate for overseas spend, credited into your account on a quarterly basis. Apresente-se. Latest offers you can enjoy. You can easily transfer funds to accounts in BNU, accounts in other banks in Macau or in banks overseas. Macau has a currency. 讓生活更輕鬆。. BNU App Tudo ao alcançe de um toque! 1. Platinum Gold Classic. (BNU) was awarded the ‘Best Socially Responsible Bank Macau 2015’ and ‘Best Retail Bank Macau 2015’ by International Finance Magazine Awards 2015 on its long-standing. BNU App - Get everything in one touch! Perform Banking Transactions, add extra Authentication Methods to your BOL transactions, access to both BNU Life and Institutional Website and much more! Everything at one place only. Experienced Chief Executive Officer with a demonstrated history of working in the banking industry. Almeida Ribeiro and Ave. BNU Pay Gas Campaign. Operations Executive - Macau. Entre em contato direto com Vitor. Strong business development, professional skilled in Commercial, Private, Corporate, Investment Banking, Rehum, Audit, Compliance, Marketing, Planning, Control and Treasury. It is a small peninsula in the western Pearl River Delta near the southern coast of China, approximately 62 kilometers away from Hong Kong. Macau-based Banco Nacional Ultramarino (BNU) announced in a statement on Monday the launch of a QR code-based cash withdrawal service in partnership with UnionPay International, making it the first bank in Macau to offer a cardless cash withdrawal service. Senhora da Esperança, The Cotai Strip, Taipa, Macau. 4 per cent more than in 2020, according to data released on Wednesday. Please click Security Advices for more information. 22 our 24 hour customer service hotline 2833 5533. If you enter the password incorrectly for three consecutive times, your "BNU Online" service will be suspended. Overdue bill can also be settled. 58 0. (printed outside the PIN mailer) into the Login ID text box. Apart from the privileges extended to all BNU Credit Card holders, you can also enjoy the following American Express benefits: Cash bonus points – credited into your account, on a quarterly basis. Personal & Family. (BNU) Internet banking service of BNU (inclusive UM Affinity Card)/BOC/ICBC/TFB, please contact your bank for the procedure of online payment. CD. Don't be left behind. 如欲補發新密碼，可帶同有效身分證明文件親臨本行辦理。. S. A. Development of new products <br>4. | BNU is a diversified and expanding local bank, which is proud of its history of supporting and serving the local community in Macau. The Code of Conduct is inserted in the internal normative system of the Bank ( “Sistema Interno de Normas do BNU, S. If it is the first time you login to "BNU Online", please input the Reference No. 3. Contract number: Access code: Forgot your access code? Please enter you contract no. To access BNU Online, please enter your Login ID and Password. 3% Solvency Ratio 8. We would like to invite you to participate in our ESG survey. BNU World Mastercard features Cash Rebate. 3. Vitor tem 3 vagas no perfil. BNU App - Get everything in one touch! 1. Controlling budget of marketing campaign <br>3. Type: (, BIR, BI, HID, Passport, etc) Requests the following: A / Change my Maximum Daily Cycle Limit for Fund Transfer andIn alternative, the remaining BNU Branches in Macau and Taipa are ready to serve you, as well as BNU banking services through Online Banking, Business Online Banking, BNU App, our ATMS and MTMS (with cash deposit function) and 24-Hour Customer Service, by calling 2833 5533 or e-mailing to [email protected] will continue to uphold its promise and lead by example, supporting social service organizations in Macau and providing regular assistance to vulnerable groups, contributing to the community. 4/2002, sanctions contained in the UNSC Resolutions 1267 (1999), 1373 (2001), 1390. Register now INSURANCE RetireJoy Annuity Plan. "Applicant" means the person (s) whose name (s) and particulars are set out in the application form accompanying these Terms and Conditions. In addition to contacting MacauPass via Customer Service Hotline: (853)2872 7688 or e-mail: [email protected] | Usage: stocks-related e-mails. Tinha o papel de servir de banco emissor para os territórios ultramarinos portugueses. BNU Business Online Banking (BOB) may help to fix your cash management process in one click! With BOB, you can perform a variety of banking transactions and manage your accounts from anywhere, at. Phone Number +853 2833-5533. Michelin Guide Asia. For security purpose, please do not access "BNU Online" at public computers or through any hyperlinks embedded in e-mails or other websites. 如連續三次輸入錯誤密碼，閣下之BNU網上銀行服務將被暫停。. | 434 followers on LinkedIn. In 2020, BNU recorded a profit of MOP420. 2. Access to over 1,000 airport lounges worldwide. For urgent matters, please. You may earn 0. Checking if it is an online purchase (e. BNU 24-Hour Service Hotline: 2833 5533. Stock trading online service offers you low trading commissions, convenience and fast execution of stock trading in 16 stock markets anywhere, anytime: Flat rate for the first 5,000 shares. According to the policy currency and only applicable to insured aged from 18 to 69 years old, the benefit has a. 4 million (US$55. REQUEST REJECTED 1. mo. Almeida Ribeiro, no. For security purpose, please do not access "BNU Online" at public computers or through any hyperlinks embedded in e-mails or other websites. Interview with Pedro Cardoso, Chief Executive Officer of BNU, which has been a century-old pillar of Macau’s economy. 4,488 likes. For achieving a better viewing quality, it is recommended to view at 1024 x 768 screen resolution and 32-bit colors with Internet Explorer 8. Withdrawing cash in Macau with the QRC function is free. This service does not support mobile devices running IOS system and Android system, comprising: mobile phones, tablet computer products. BNU is a diversified local bank, which is proud of its history of supporting and serving the local community in Macau. 22, MacauBNU / BNU Online Application Form : BNU NOTE: All applicants must be 18 years or older, complete this form in BLOCK LETTERS and submit in person to the nearest BNU branch. Annual Report 2021. REQUEST REJECTED. 如欲補發新密碼，可帶同有效身分證明文件親臨本行辦理。. Israeli attacks followed Hezbollah’s missile shelling earlier in the day on the Israeli military site of Al-Jardah. ACCIDENTAL DEATH BENEFIT. E-mail to [email protected] the terrestrial evolution of Macau with new series of BNU M. Responsible for the International Desk area in BNU, located at Macao Special Administrative Region of the People's Republic of China, which belongs to Caixa Geral de Depositos, a Portuguese financial Group with a significant presence worldwide. 總行地址：澳門新馬路 22 號 Head Office Address: Av. BNU Chief Executive Carlos Álvares addresses yesterday’s ceremony marking the reopening of its revamped main branch on Avenida de Almeida Ribeiro. Only Customers holding an investment account can receive e-mails from this sender. At BNU, we are committed to provide excellent career opportunities with a competitive remuneration package. Get up to MOP40,000 gift cheque. So, add your BNU card today and change. Support to BNU Visa Infinite Credit CarBanco Nacional Ultramarino (BNU; ; National Overseas Bank) is a Macau banking and financial services corporation. Please note that BNU never asks for such login. Variable credit limit. BNU Online is an Internet Banking Service that allows BNU customers to access their account information and make certain types of transactions by using one Login ID (ID), a Password (PIN) One-Time Password (OTP). AFP. BNULMOMXXXX BIC/SWIFT Code - BANCO NACIONAL ULTRAMARINO - MACAO. By Facebook. Department/School Website sli. Through the generations, knowledge sustains us and helps ensure a brighter future for our children. 9% Cost-to-Income RatioOnly takes 1 minute to open a BNU foreign currency account ONLINE to settle regular allowances or tuition fee payments. mo: BNU Macau. MOP - MACAU PATACA. If you have not yet registered for "BNU Online" service, please apply the service at any BNU branches with your valid identification document. Operating Status Active. Support to BNU Visa Infinite Credit Cardholders: 8396 3963. Pay BUS fares with BNU Pay in Macau & HK! Offers & Promotions. Gold Travel Privileges. 0. Company Type For Profit. BNU is a diversified local bank, which is proud of its history of supporting and serving the local community in Macau. The authority to issue patacas was transferred to the Monetary Authority of Macau. Full–time. Macau Bank Code & Branch Code 406-001. Savings Interest Rate. Portuguese living in Macau and working in the banking sector (Macau ID holder). So, add your BNU card today and change. . BNU is a diversified local bank, which is proud of its history of supporting and serving the local community in Macau. For security purpose, please do not access "BNU Online" at public computers or through any hyperlinks embedded in e-mails or other websites. com Travel Offers with BNU Cards. BNU MasterCard holders benefit from our 24 hours customer service and being MasterCard one of the most popular credit cards they will also get extensive travel services and support. The ceremony held in the main hall of the bank branch was attended by local and central government officials and business representatives. Card Activation. Finances Made Simple. BNU 24-Hour Service Hotline: 2833 5533. For over a century, BNU has. Almeida Ribeiro, no. 22 Transfers. BNU employees visited the ”National Security Education Exhibition”, leaded by BNU CEO Carlos Alvares together with the other Executive Members of BNU. 24/7 Global Assistance for any emergency. Wide communication to clients with the characteristics and advantages of BNU Online. In order to improve our services, BNU is going to perform a system upgrade resulting in the temporary suspension of major services, as follows: [October 28, 2023] Time: 5:00 - 6:0To access your BNU Business Online Banking, please enter your Login ID and Password. A. 752,142 likes · 3,601 talking about this. Make your donation. ) is a historic bank which started in Portugal but now calls Macau its home. If you have not yet registered for "BNU Online" service, please apply the service at any BNU branches with your valid identification document. Banco Nacional Ultramarino. Perform Banking Transactions, add further Authentication Methods to your BOL transactions, access to both BNU Life and Institutional Website and a lot more! Everything at one place only. Aries Un. Only takes 1 minute to open a BNU foreign currency account ONLINE to settle regular allowances or tuition fee payments. Register now INSURANCE RetireJoy Annuity Plan. 09:30 - 18:00. A. Macau branch is 406-001 (Bank code # 406 Branch code # 001). A. Window7、Window8、Server2008：IE8-IE10 select to use “TLS1. BNU Business Online Banking (BOB) may help to fix your cash management process in one click! With BOB, you can perform a variety of banking transactions and manage your accounts from anywhere, at. Search for BNU-MACAU or scan the QR Code available at the bottom of this page. Tickets Type: A – Teller (cash) B – Main Branch: Teller (non-cash) / Other Branches: Customer Service. For over a century, BNU has been working with. 22. By WeChat. Variable credit limit. 如連續三次輸入錯誤密碼，閣下之BNU網上銀行服務將被暫停。. 讓您的銀行可以隨時隨地，觸手可及。. Banking · China · 43 Employees. It ceased existence as an independen Read More. Banco Nacional Ultramarino (Macau) Av. S. A. CAIXA GERAL DE DEPOSITOS, Group. Follow Us Facebook Wechat 24-hour Service Hotline 2833 5533. A. BNU ATMs. Graduate students please contact Graduate Admissions Office directly. Minimum PREMIUM of: MOP/HKD 25,000 / USD 3,125 / EUR 3,000. Three years after that, in 1868, BNU opened branches in São Tomé and Príncipe, Goa, and Lourenço Marques, Mozambique . 讓生活更輕鬆。.