BondGov profile for Cuyahoga County, Ohio, compiled from public sources
C
Cuyahoga County, Ohio
🔍
🌐 Compiled from MSRB EMMA & public records · read-only public record · debt as of Sep 11, 2026 · latest trade Sep 11, 2026 · latest filing May 15, 2026
Credit ratings
agency-stated
Moody's
Aa2
124 rated securities
S&P
AA
176 rated securities
Fitch
AA+
2 rated securities
Ratings by reconciled issuer credit
Credit
Agency
Rating
Par
CUSIPs
General Obligation $1.1B
Moody's
Aa2
$1.1B
60
S&P
AA
$1.1B
60
Fitch
AA+
$78.0M
2
Sales Tax Revenue $309.6M
Moody's
Aa2
$164.6M
39
S&P
AAA
$309.6M
65
Economic Development $159.5M
Moody's
Aa3
$46.5M
23
A1
$12.3M
2
S&P
AA
$98.0M
49
AA-
$12.3M
2
Agency grades grouped by credit as reconciled in MuniPro’s book. Conduit or program series carry their obligor’s rating — a lower grade inside one credit is that obligor’s credit, not the authority’s direct debt. Par sums the rated securities in each grade; securities EMMA lists without a grade are omitted.
Principal maturing by year, split by call status. Reconciled from MuniPro’s curated bond-level debt profile.
Outstanding securities
25 series · 214 CUSIPs
Credit / Series / CUSIPTaxCouponFinalOutstandingCallable
CUSIPCouponMaturityOutstandingCall
23223PGW15.00%Dec 2027$40K—
23223PGX95.00%Dec 2028$40K—
23223PGY75.00%Dec 2029$40K—
23223PGZ45.00%Dec 2030$465K—
23223PHA85.00%Dec 2031$465K—
23223PHB65.00%Dec 2032$1.4M—
23223PHC45.00%Dec 2033$2.3M—
23223PHD25.00%Dec 2034$3.3M—
23223PHE05.00%Dec 2035$4.2M—
23223PHF75.00%Dec 2036$5.6MJun 2036
23223PHG55.00%Dec 2037$6.5MJun 2036
23223PHH35.00%Dec 2038$7.5MJun 2036
23223PHJ95.00%Dec 2039$10.2MJun 2036
23223PHK65.00%Dec 2040$11.2MJun 2036
23223PHL45.00%Dec 2041$14.0MJun 2036
23223PHM25.00%Dec 2042$15.8MJun 2036
23223PHN05.00%Dec 2043$17.7MJun 2036
23223PHP55.00%Dec 2044$21.4MJun 2036
23223PHQ35.00%Dec 2045$22.3MJun 2036
23223PHR15.00%Dec 2046$23.2MJun 2036
23223PHS95.00%Dec 2047$24.2MJun 2036
23223PHS95.00%Dec 2048$25.2MJun 2036
23223PHS95.00%Dec 2049$26.3MJun 2036
23223PHS95.00%Dec 2050$27.4MJun 2036
23223PHS95.00%Dec 2051$28.6MJun 2036
23223PHT75.25%Dec 2052$29.8MJun 2036
23223PHT75.25%Dec 2053$31.1MJun 2036
23223PHT75.25%Dec 2054$32.6MJun 2036
23223PHT75.25%Dec 2055$34.0MJun 2036
23223PHT75.25%Dec 2056$44.7MJun 2036
23223PHU45.50%Dec 2057$47.0MJun 2036
23223PHU45.50%Dec 2058$49.6MJun 2036
23223PHU45.50%Dec 2059$52.3MJun 2036
23223PHU45.50%Dec 2060$55.2MJun 2036
23223PHU45.50%Dec 2061$58.3MJun 2036
23223PHV25.00%Dec 2062$61.5MJun 2036
23223PHV25.00%Dec 2063$64.5MJun 2036
23223PHV25.00%Dec 2064$67.8MJun 2036
38 maturities · first call Jun 2036 · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
23223PCW55.49%Dec 2026$7.5M—
23223PCX36.03%Dec 2027$7.8M—
23223PCX36.03%Dec 2028$8.0M—
23223PCX36.03%Dec 2029$8.3M—
23223PCX36.03%Dec 2030$8.6M—
23223PCX36.03%Dec 2031$8.9M—
23223PCX36.03%Dec 2032$9.3M—
23223PCX36.03%Dec 2033$9.6M—
23223PCX36.03%Dec 2034$9.9M—
9 maturities · non-callable · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
23223PGK71.10%Dec 2026$960K—
23223PGL51.29%Dec 2027$970K—
23223PGM31.53%Dec 2028$985K—
23223PGN11.63%Dec 2029$7.3M—
23223PGP61.73%Dec 2030$800KJun 2030
23223PGQ41.88%Dec 2031$815KJun 2030
23223PGR21.98%Dec 2032$7.9MJun 2030
23223PGS02.08%Dec 2033$8.1MJun 2030
23223PGT82.16%Dec 2034$8.2MJun 2030
23223PGU52.26%Dec 2035$8.4MJun 2030
10 maturities · first call Jun 2030 · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
23223PET04.00%Dec 2026$555K—
23223PEU74.00%Dec 2027$575K—
23223PEV54.00%Dec 2028$4.0MJun 2028
23223PEW34.00%Dec 2029$4.1MJun 2028
23223PEX13.00%Dec 2030$4.3MJun 2028
23223PEY93.00%Dec 2031$4.4MJun 2028
23223PEZ63.00%Dec 2032$4.6MJun 2028
23223PFA03.00%Dec 2033$4.7MJun 2028
23223PFB83.00%Dec 2034$4.8MJun 2028
23223PFC63.00%Dec 2035$5.0MJun 2028
10 maturities · first call Jun 2028 · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
23223PFS14.00%Dec 2026$2.1M—
23223PFT94.00%Dec 2027$2.2M—
23223PFU64.00%Dec 2028$2.3M—
23223PFV44.00%Dec 2029$2.4M—
23223PFW24.00%Dec 2030$2.5MJun 2030
23223PFX04.00%Dec 2031$2.6MJun 2030
23223PFY84.00%Dec 2032$2.7MJun 2030
23223PFZ54.00%Dec 2033$2.8MJun 2030
23223PGA94.00%Dec 2034$2.9MJun 2030
23223PGB73.00%Dec 2035$3.0MJun 2030
23223PGC53.00%Dec 2036$3.1MJun 2030
23223PGD33.00%Dec 2037$3.2MJun 2030
12 maturities · first call Jun 2030 · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
23223PFK82.04%Dec 2026$4.8M—
23223PFL62.14%Dec 2027$4.9M—
2 maturities · non-callable · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
232287EV04.00%Jan 2027$7.1M—
232287EW84.00%Jan 2028$7.4M—
232287EX64.00%Jan 2029$7.7M—
232287EY44.00%Jan 2030$8.0M—
232287EZ14.00%Jan 2031$8.3M—
232287FA54.00%Jan 2032$8.6MJan 2031
232287FB34.00%Jan 2033$9.0MJan 2031
232287FC14.00%Jan 2034$9.3MJan 2031
232287FD94.00%Jan 2035$9.7MJan 2031
232287FE74.00%Jan 2036$10.0MJan 2031
232287FF44.00%Jan 2037$10.4MJan 2031
11 maturities · first call Jan 2031 · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
232287AL65.00%Dec 2026$6.1MJul 2026
232287AM45.00%Dec 2027$6.4MJul 2026
232287AN25.00%Dec 2028$6.7MJul 2026
232287AQ53.00%Dec 2030$7.4MJul 2026
232287AR33.12%Dec 2031$7.6MJul 2026
232287AW24.00%Dec 2036$9.6MJul 2026
232287AX04.00%Dec 2037$10.0MJul 2026
232287AY84.00%Dec 2038$10.4MJul 2026
8 maturities · first call Jul 2026 · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
232287EA62.25%Jan 2027$2.1M—
232287EB42.25%Jul 2027$2.1M—
232287EC21.95%Jan 2028$2.2M—
232287ED02.00%Jul 2028$2.2M—
232287EE82.05%Jan 2029$2.2M—
232287EF52.05%Jul 2029$2.2M—
232287EG32.13%Jan 2030$2.2M—
232287EH12.16%Jul 2030$2.3M—
232287EJ72.21%Jan 2031$2.3M—
232287EK42.26%Jul 2031$2.3MJan 2031
232287EL22.36%Jan 2032$2.4MJan 2031
232287EL22.36%Jul 2032$2.4MJan 2031
232287EM02.51%Jan 2033$2.4MJan 2031
232287EM02.51%Jul 2033$2.4MJan 2031
232287EN82.61%Jan 2034$2.5MJan 2031
232287EN82.61%Jul 2034$2.5MJan 2031
232287EP32.71%Jan 2035$2.5MJan 2031
232287EP32.71%Jul 2035$2.6MJan 2031
232287EQ12.86%Jan 2036$2.6MJan 2031
232287EQ12.86%Jul 2036$2.6MJan 2031
232287EQ12.86%Jan 2037$2.7MJan 2031
21 maturities · first call Jan 2031 · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
232287CS93.03%Jan 2027$2.1M—
232287CS93.03%Jul 2027$2.1M—
232287CT73.13%Jan 2028$2.1MJul 2027
232287CT73.13%Jul 2028$2.2MJul 2027
232287CU43.23%Jan 2029$2.2MJul 2027
232287CU43.23%Jul 2029$2.2MJul 2027
232287CV23.33%Jan 2030$2.3MJul 2027
232287CV23.33%Jul 2030$2.3MJul 2027
232287CW03.43%Jan 2031$2.3MJul 2027
232287CW03.43%Jul 2031$2.4MJul 2027
232287CX83.48%Jan 2032$2.4MJul 2027
232287CX83.48%Jul 2032$2.5MJul 2027
232287CY63.57%Jan 2033$2.5MJul 2027
232287CY63.57%Jul 2033$2.5MJul 2027
232287CY63.57%Jan 2034$2.6MJul 2027
232287CY63.57%Jul 2034$2.6MJul 2027
232287CY63.57%Jan 2035$2.7MJul 2027
17 maturities · first call Jul 2027 · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
232287BU53.08%Jan 2027$3.2MJul 2026
232287BV33.18%Jan 2028$3.3MJul 2026
232287BW13.28%Jan 2029$3.3MJul 2026
232287BX93.38%Jan 2030$3.4MJul 2026
232287BY73.48%Jan 2031$3.5MJul 2026
232287BZ43.53%Jan 2032$3.6MJul 2026
232287CA83.67%Jan 2033$3.8MJul 2026
232287CA83.67%Jan 2034$3.9MJul 2026
232287CA83.67%Jan 2035$4.1MJul 2026
9 maturities · first call Jul 2026 · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
232287DG44.00%Jan 2027$2.1MJul 2026
232287DH25.00%Jan 2028$2.2MJul 2026
232287DJ85.00%Jan 2029$2.3MJul 2026
232287DK55.00%Jan 2030$2.4MJul 2026
232287DL35.00%Jan 2031$2.5MJul 2026
232287DM13.00%Jan 2032$2.6MJul 2026
232287DN93.00%Jan 2033$2.7MJul 2026
232287DP43.00%Jan 2034$3.1MJul 2026
232287DQ23.00%Jan 2035$3.2MJul 2026
9 maturities · first call Jul 2026 · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
232287BK74.00%Dec 2026$560KJul 2026
232287BL54.00%Dec 2027$585KJul 2026
232287BM34.00%Dec 2028$610KJul 2026
232287BN14.00%Dec 2029$630KJul 2026
232287BP64.00%Dec 2030$655KJul 2026
232287BQ44.00%Dec 2031$685KJul 2026
232287BS03.12%Dec 2032$570KJul 2026
232287BR24.00%Dec 2032$145KJul 2026
232287BS03.12%Dec 2033$735KJul 2026
9 maturities · first call Jul 2026 · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
232263MU45.00%Dec 2026$845K—
232263MV25.00%Dec 2027$890K—
232263MW05.00%Dec 2028$930K—
232263MX85.00%Dec 2029$980K—
232263MY65.00%Dec 2030$1.0M—
232263MZ35.00%Dec 2031$1.1M—
232263NA75.00%Dec 2032$1.1M—
232263NB55.00%Dec 2033$1.2MDec 2032
232263NC35.00%Dec 2034$1.2MDec 2032
232263ND15.00%Dec 2035$1.3MDec 2032
232263NE95.00%Dec 2036$1.4MDec 2032
232263NF65.00%Dec 2037$1.4MDec 2032
232263NG45.00%Dec 2038$1.5MDec 2032
232263NH25.00%Dec 2039$1.6MDec 2032
232263NJ85.00%Dec 2040$1.7MDec 2032
232263NK55.00%Dec 2041$1.8MDec 2032
232263NL35.00%Dec 2042$1.8MDec 2032
232263NM15.00%Dec 2043$1.9MDec 2032
232263NN95.00%Dec 2044$2.0MDec 2032
232263NP45.00%Dec 2045$2.1MDec 2032
232263NP45.00%Dec 2046$2.2MDec 2032
232263NP45.00%Dec 2047$2.4MDec 2032
232263NP45.00%Dec 2048$2.5MDec 2032
232263NP45.00%Dec 2049$2.6MDec 2032
232263NQ24.00%Dec 2050$2.7MDec 2029
232263NQ24.00%Dec 2051$2.8MDec 2029
232263NQ24.00%Dec 2052$3.0MDec 2029
232263NQ24.00%Dec 2053$3.1MDec 2029
28 maturities · first call Dec 2032 · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
232263LW15.00%Dec 2026$24.6M—
232263LX95.00%Dec 2027$8.7M—
2 maturities · non-callable · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
232263MA86.00%Dec 2026$1.1M—
232263MB66.00%Dec 2027$1.1M—
232263MC45.00%Dec 2028$1.2M—
232263MD25.00%Dec 2029$1.3M—
232263ME05.00%Dec 2030$1.3M—
232263MF75.00%Dec 2031$1.4M—
232263MG55.00%Dec 2032$1.5M—
232263MH35.00%Dec 2033$1.6MDec 2032
232263MJ95.00%Dec 2034$1.6MDec 2032
232263MK65.00%Dec 2035$1.7MDec 2032
232263ML45.50%Dec 2036$660KDec 2032
232263MM24.38%Dec 2036$1.1MDec 2032
232263MM24.38%Dec 2037$1.2MDec 2032
232263ML45.50%Dec 2037$705KDec 2032
232263MN05.50%Dec 2038$2.0MDec 2032
232263MP55.50%Dec 2039$2.1MDec 2032
232263MQ35.50%Dec 2040$2.2MDec 2032
232263MS94.75%Dec 2041$2.3MDec 2032
232263MS94.75%Dec 2042$2.4MDec 2032
19 maturities · first call Dec 2032 · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
232263KC63.00%Dec 2026$75KJul 2026
232263KC63.00%Dec 2027$20.1MJul 2026
2 maturities · first call Jul 2026 · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
232263JW45.50%Oct 2026$325KJul 2026
232263JW45.50%Apr 2027$335KJul 2026
232263JW45.50%Oct 2027$345KJul 2026
232263JW45.50%Apr 2028$355KJul 2026
232263JW45.50%Oct 2028$360KJul 2026
232263JW45.50%Apr 2029$370KJul 2026
232263JW45.50%Oct 2029$380KJul 2026
232263JW45.50%Apr 2030$395KJul 2026
232263JW45.50%Oct 2030$405KJul 2026
232263JW45.50%Apr 2031$415KJul 2026
232263JW45.50%Oct 2031$425KJul 2026
232263JW45.50%Apr 2032$440KJul 2026
232263JW45.50%Oct 2032$450KJul 2026
232263JW45.50%Apr 2033$465KJul 2026
232263JW45.50%Oct 2033$475KJul 2026
232263JX26.00%Apr 2034$490KJul 2026
232263JX26.00%Oct 2034$505KJul 2026
232263JX26.00%Apr 2035$520KJul 2026
232263JX26.00%Oct 2035$535KJul 2026
232263JX26.00%Apr 2036$555KJul 2026
232263JX26.00%Oct 2036$570KJul 2026
232263JX26.00%Apr 2037$585KJul 2026
232263JX26.00%Oct 2037$605KJul 2026
232263JX26.00%Apr 2038$2.0MJul 2026
24 maturities · first call Jul 2026 · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
232263JH74.50%Dec 2026$155KJul 2026
232263JJ34.62%Dec 2027$165KJul 2026
232263JK05.00%Dec 2028$170KJul 2026
232263JL85.00%Dec 2029$180KJul 2026
232263JM65.00%Dec 2030$190KJul 2026
232263JN45.05%Dec 2031$200KJul 2026
232263JP95.15%Dec 2032$210KJul 2026
232263JQ75.25%Dec 2033$220KJul 2026
232263JR55.50%Dec 2034$230KJul 2026
232263JR55.50%Dec 2035$245KJul 2026
232263JR55.50%Dec 2036$255KJul 2026
232263JR55.50%Dec 2037$270KJul 2026
232263JU85.75%Dec 2038$285KJul 2026
232263JU85.75%Dec 2039$305KJul 2026
232263JS35.75%Dec 2040$320KJul 2026
232263JS35.75%Dec 2041$340KJul 2026
232263JS35.75%Dec 2042$760KJul 2026
17 maturities · first call Jul 2026 · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
232263KY82.45%Jun 2027$1.1M—
232263KZ52.60%Jun 2028$1.1M—
232263LA92.75%Jun 2029$1.1M—
232263LB72.85%Jun 2030$1.2M—
4 maturities · non-callable · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
232263KB83.80%Dec 2026$2.8MJul 2026
1 maturity · first call Jul 2026 · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
232263HQ94.12%Dec 2026$155KJul 2026
232263HR74.25%Dec 2027$160KJul 2026
232263HS54.50%Dec 2028$165KJul 2026
232263HT34.50%Dec 2029$175KJul 2026
232263HU04.75%Dec 2030$185KJul 2026
232263HV85.00%Dec 2031$190KJul 2026
232263HW65.00%Dec 2032$200KJul 2026
232263HX45.00%Dec 2033$210KJul 2026
232263HY25.25%Dec 2034$220KJul 2026
232263HY25.25%Dec 2035$235KJul 2026
232263HY25.25%Dec 2036$245KJul 2026
232263HY25.25%Dec 2037$560KJul 2026
12 maturities · first call Jul 2026 · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
232263LJ02.45%Jun 2027$245K—
232263LK72.60%Jun 2028$255K—
232263LL52.75%Jun 2029$260K—
232263LM32.85%Jun 2030$265K—
4 maturities · non-callable · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
232263FH14.12%Dec 2026$45KJul 2026
232263FH14.12%Jun 2027$50KJul 2026
232263FH14.12%Dec 2027$50KJul 2026
232263FH14.12%Jun 2028$50KJul 2026
232263FH14.12%Dec 2028$45KJul 2026
232263FH14.12%Jun 2029$55KJul 2026
232263FH14.12%Dec 2029$55KJul 2026
232263FH14.12%Jun 2030$55KJul 2026
232263FH14.12%Dec 2030$50KJul 2026
9 maturities · first call Jul 2026 · full schedule on EMMA
CUSIPCouponMaturityOutstandingCall
23225PAX35.00%Dec 2026$15.1M—
23225PAY15.00%Dec 2027$15.9M—
23225PAZ85.00%Dec 2028$4.9M—
23225PBA25.00%Dec 2029$3.5M—
23225PBB05.00%Dec 2030$3.6M—
23225PBC85.00%Dec 2031$3.8M—
23225PBD65.00%Dec 2032$4.0M—
23225PBE45.00%Dec 2033$4.2M—
23225PBF15.00%Dec 2034$4.4M—
23225PBG95.00%Dec 2035$4.7MDec 2034
23225PBH75.00%Dec 2036$4.9MDec 2034
23225PBJ35.00%Dec 2037$5.1MDec 2034
23225PBK05.00%Dec 2038$5.4MDec 2034
23225PBM65.00%Dec 2039$1.6MDec 2034
23225PBL84.00%Dec 2039$4.0MDec 2034
23225PBM65.00%Dec 2040$1.7MDec 2034
23225PBL84.00%Dec 2040$4.2MDec 2034
23225PBM65.00%Dec 2041$1.7MDec 2034
23225PBL84.00%Dec 2041$4.4MDec 2034
23225PBN45.00%Dec 2042$6.4MDec 2034
23225PBP94.00%Dec 2043$6.7MDec 2034
23225PBP94.00%Dec 2044$7.0MDec 2034
22 maturities · first call Dec 2034 · full schedule on EMMA
Compiled from MuniPro’s reconciled bond-level debt profile and Official Statements on EMMA. Certain obligations — bank loans, capital leases, or private placements — may not be reflected; not a substitute for the issuer’s audited financial statements.
Market activity
EMMA · secondary trades · latest Sep 11, 2026
Each dot is a reported secondary trade — yield by trade date, sized by par, colored by trade side. Hover for detail.
Rating actions as disclosed by the issuer to the MSRB’s EMMA system under SEC Rule 15c2-12; the ratings are the opinions of the respective rating agencies (Moody's, S&P Global Ratings, Fitch Ratings, KBRA). Dates are the rating-action dates stated in each notice.
Latest filing within the past year · latest posting 2026-05-15
✓ Contact email on file✓ Issuer website on file
Counts what BondGov has compiled from the MSRB’s EMMA — a coverage fact, not a compliance rating or a days-late claim. Contact routes show as on file only; the address itself is never published here. Verify on EMMA ↗
Standing
as of Sep 11, 2026
What the public record shows about this issuer’s disclosure practice. Compiled from the MSRB’s EMMA and from award letters governments record themselves. MuniPro confers no credential and issues no rating.
Credentials on record
Conferred by GFOA, recorded from the award letter. Never inferred.
Certificate of Achievement for Excellence in Financial Reporting
No receipt on file
Distinguished Budget Presentation Award
No receipt on file
Popular Annual Financial Reporting Award
No receipt on file
Nothing recorded here means nothing has been recorded — not that an award was withheld.
Dated obligations
Filings a law or contract puts a date on.
Not measured
MuniPro does not hold this issuer’s own continuing-disclosure undertaking date, so no filing is called late here. Why →
Record quality
Disclosure practice — not an assessment of creditworthiness.
Annual reporting compiled
0 of 5
0 of 5 reporting years (2021–2025) have an annual financial filing compiled from the MSRB’s EMMA. The denominator is MuniPro’s 5-year reading window — it is NOT a filing obligation, and a missing year here means no filing was compiled, not that one was owed and skipped.
Record freshness
Within the past year
The newest continuing-disclosure filing MuniPro has compiled for this issuer was posted 119 days ago. This is the age of the public record — it is not a lateness claim, because MuniPro does not hold the date this issuer’s undertaking sets.
Filing timeliness
Not measured
Timeliness needs the date this issuer’s own continuing-disclosure undertaking sets. MuniPro does not hold it, and will not substitute a generic interval.
Standing describes disclosure practice — not an assessment of creditworthiness. It is not a rating, a rank against other governments, or a MuniPro credential.
See the full computation →
Frequently asked questions
Outstanding securities, official statements, and continuing-disclosure filings are compiled from the MSRB’s EMMA system and other public records. This profile is auto-compiled and has not yet been claimed by the issuer.
No. BondGov aggregates public information for transparency. Nothing here is an offer, solicitation, or recommendation. Consult the official statement and your own advisors before investing.