STMicroelectronics
- Market cap
- 50.14B
- P/E (TTM)i
- 110.16
- P/Bi
- 2.84
- EPSi
- 0.18
- Div yieldi
- 0.64%
- 52W posi
- 59%
Anonymous reader poll. Unscientific, not investment advice.
✦ Today’s options flow
- Calls are outnumbering puts by more than 1.9 to 1 today — the day's options flow leans bullish.
Options-implied move vs. analyst target
The chain's longest listed expiration (Nov 6, 2026, 29 days out) implies 65.80% annualized vol near the money — a one-standard-deviation move to roughly $45.76–$66.60 by then.
Two different things on the same scale: the purple band is the options market's own near-term volatility pricing (statistical, 29 days out); the blue band is sell-side opinion on a roughly 12-month horizon. Neither is a forecast.
Most active contracts today
| Contract | Type | Last | Volume | Open int. | IV |
|---|---|---|---|---|---|
| Oct 9 $58.00 | Call | $0.30 | 360 | 8,065 | 62.89% |
| Oct 9 $60.00 | Call | $0.10 | 293 | 7,599 | 71.39% |
| Oct 16 $60.00 | Call | $0.49 | 170 | 3,397 | 53.28% |
| Oct 16 $55.00 | Put | $1.35 | 136 | 3,619 | 51.39% |
| Oct 2 $55.00 | Call | $0.16 | 135 | 8,700 | 110.24% |
| Oct 30 $50.00 | Put | $1.45 | 127 | 102 | 66.25% |
| Oct 16 $57.00 | Call | $1.45 | 87 | 1,540 | 53.76% |
| Oct 16 $55.00 | Call | $2.30 | 84 | 7,495 | 55.08% |
| Oct 16 $56.00 | Call | $1.96 | 78 | 917 | 53.46% |
| Oct 23 $57.00 | Put | $2.75 | 71 | 2 | 50.79% |
Ranked by today’s contract volume, calls and puts together. Ties in the underlying data land in whatever order the database returns them.
Full chain, by expiration
Oct 2, 2026 (43 strikes)
| Calls | Strike | Puts | ||||
|---|---|---|---|---|---|---|
| Last | Vol | OI | Last | Vol | OI | |
| $23.38 | 0 | 0 | $30.00 | $0.00 | 0 | 0 |
| $18.38 | 0 | 0 | $35.00 | $0.00 | 0 | 7 |
| $14.38 | 0 | 0 | $39.00 | $0.00 | 0 | 0 |
| $13.38 | 0 | 0 | $40.00 | $0.00 | 0 | 7 |
| $12.88 | 0 | 0 | $40.50 | $0.00 | 0 | 0 |
| $12.38 | 0 | 0 | $41.00 | $0.00 | 0 | 26 |
| $11.88 | 0 | 0 | $41.50 | $0.00 | 0 | 0 |
| $11.38 | 0 | 0 | $42.00 | $0.00 | 0 | 0 |
| $10.88 | 0 | 0 | $42.50 | $0.00 | 0 | 0 |
| $10.38 | 0 | 2 | $43.00 | $0.00 | 0 | 155 |
| $9.88 | 0 | 1 | $43.50 | $0.00 | 0 | 1 |
| $9.39 | 0 | 2 | $44.00 | $0.00 | 0 | 186 |
| $8.89 | 0 | 1 | $44.50 | $0.00 | 0 | 4 |
| $8.39 | 0 | 3 | $45.00 | $0.01 | 0 | 30 |
| $7.89 | 0 | 1 | $45.50 | $0.01 | 0 | 4 |
| $7.39 | 0 | 2 | $46.00 | $0.01 | 0 | 21 |
| $6.90 | 0 | 2 | $46.50 | $0.01 | 0 | 34 |
| $6.60 | 4 | 7 | $47.00 | $0.02 | 0 | 21 |
| $5.91 | 0 | 14 | $47.50 | $0.02 | 0 | 21 |
| $5.41 | 0 | 7 | $48.00 | $0.03 | 0 | 25 |
| $4.93 | 0 | 2 | $48.50 | $0.03 | 1 | 73 |
| $4.44 | 0 | 242 | $49.00 | $0.03 | 2 | 562 |
| $3.96 | 0 | 0 | $49.50 | $0.05 | 15 | 38 |
| $3.64 | 9 | 215 | $50.00 | $0.03 | 14 | 246 |
| $2.56 | 4 | 164 | $51.00 | $0.10 | 48 | 252 |
| $1.76 | 0 | 432 | $52.00 | $0.20 | 35 | 124 |
| $0.80 | 52 | 7,871 | $53.00 | $0.38 | 1 | 56 |
| $0.38 | 6 | 460 | $54.00 | $1.22 | 0 | 31 |
| $0.16 | 135 | 8,700 | $55.00 | $2.09 | 12 | 56 |
| $0.05 | 33 | 83 | $56.00 | $2.90 | 19 | 12 |
| $0.14 | 0 | 90 | $57.00 | $3.76 | 0 | 1 |
| $0.08 | 0 | 73 | $58.00 | $4.70 | 0 | 0 |
| $0.04 | 0 | 46 | $59.00 | $5.67 | 0 | 0 |
| $0.02 | 0 | 94 | $60.00 | $6.65 | 0 | 0 |
| $0.01 | 0 | 3 | $61.00 | $7.64 | 0 | 0 |
| $0.01 | 0 | 18 | $62.00 | $8.64 | 0 | 0 |
| $0.00 | 0 | 6 | $63.00 | $9.64 | 0 | 0 |
| $0.00 | 0 | 0 | $64.00 | $10.64 | 0 | 0 |
| $0.00 | 0 | 82 | $65.00 | $11.64 | 0 | 0 |
| $0.00 | 0 | 0 | $66.00 | $12.64 | 0 | 0 |
| $0.00 | 0 | 0 | $67.00 | $13.64 | 0 | 0 |
| $0.00 | 0 | 0 | $70.00 | $16.64 | 0 | 0 |
| $0.00 | 0 | 0 | $75.00 | $21.64 | 0 | 0 |
Oct 9, 2026 (38 strikes)
| Calls | Strike | Puts | ||||
|---|---|---|---|---|---|---|
| Last | Vol | OI | Last | Vol | OI | |
| $28.73 | 0 | 0 | $30.00 | $0.00 | 0 | 0 |
| $23.73 | 0 | 0 | $35.00 | $0.00 | 0 | 0 |
| $19.73 | 0 | 1 | $39.00 | $0.00 | 0 | 21 |
| $18.73 | 0 | 3 | $40.00 | $0.00 | 0 | 2 |
| $17.73 | 0 | 3 | $41.00 | $0.00 | 0 | 20 |
| $16.73 | 0 | 0 | $42.00 | $0.00 | 0 | 950 |
| $15.73 | 0 | 0 | $43.00 | $0.00 | 0 | 0 |
| $15.23 | 0 | 0 | $43.50 | $0.00 | 0 | 0 |
| $14.73 | 0 | 0 | $44.00 | $0.00 | 0 | 849 |
| $14.23 | 0 | 0 | $44.50 | $0.00 | 0 | 0 |
| $13.73 | 0 | 2 | $45.00 | $0.00 | 0 | 5 |
| $13.23 | 0 | 5 | $45.50 | $0.00 | 0 | 3 |
| $12.73 | 0 | 18 | $46.00 | $0.00 | 0 | 25 |
| $12.23 | 0 | 3 | $46.50 | $0.00 | 0 | 0 |
| $11.73 | 0 | 9 | $47.00 | $0.00 | 0 | 36 |
| $11.23 | 0 | 1 | $47.50 | $0.00 | 0 | 0 |
| $8.09 | 1 | 1 | $48.00 | $0.02 | 2 | 17 |
| $7.66 | 1 | 2 | $48.50 | $0.00 | 0 | 1 |
| $9.73 | 0 | 14 | $49.00 | $0.00 | 0 | 127 |
| $9.24 | 0 | 0 | $49.50 | $0.00 | 0 | 3 |
| $6.14 | 2 | 30 | $50.00 | $0.00 | 0 | 90 |
| $7.74 | 0 | 8 | $51.00 | $0.05 | 1 | 21 |
| $3.40 | 1 | 113 | $52.00 | $0.08 | 6 | 137 |
| $5.77 | 0 | 97 | $53.00 | $0.03 | 0 | 32 |
| $2.36 | 1 | 60 | $54.00 | $0.32 | 3 | 49 |
| $1.40 | 9 | 102 | $55.00 | $0.55 | 25 | 96 |
| $0.70 | 9 | 83 | $56.00 | $0.75 | 4 | 36 |
| $0.57 | 53 | 202 | $57.00 | $1.70 | 15 | 73 |
| $0.30 | 360 | 8,065 | $58.00 | $2.47 | 11 | 14 |
| $0.14 | 26 | 358 | $59.00 | $1.37 | 0 | 1 |
| $0.10 | 293 | 7,599 | $60.00 | $1.91 | 0 | 1 |
| $0.05 | 5 | 105 | $61.00 | $2.66 | 0 | 0 |
| $0.05 | 1 | 48 | $62.00 | $3.49 | 0 | 3 |
| $0.15 | 0 | 29 | $63.00 | $4.42 | 0 | 0 |
| $0.05 | 1 | 9 | $64.00 | $5.39 | 0 | 0 |
| $0.10 | 0 | 26 | $65.00 | $6.37 | 0 | 0 |
| $0.04 | 0 | 0 | $70.00 | $11.31 | 0 | 0 |
| $0.02 | 0 | 0 | $75.00 | $16.29 | 0 | 0 |
Oct 16, 2026 (62 strikes)
| Calls | Strike | Puts | ||||
|---|---|---|---|---|---|---|
| Last | Vol | OI | Last | Vol | OI | |
| $38.74 | 0 | 14 | $20.00 | $0.00 | 0 | 45 |
| $33.74 | 0 | 19 | $25.00 | $0.00 | 0 | 62 |
| $32.75 | 0 | 0 | $26.00 | $0.00 | 0 | 68 |
| $31.75 | 0 | 0 | $27.00 | $0.01 | 0 | 20 |
| $30.76 | 0 | 1 | $28.00 | $0.01 | 0 | 23 |
| $29.76 | 0 | 1 | $29.00 | $0.02 | 0 | 1,008 |
| $28.77 | 0 | 27 | $30.00 | $0.02 | 0 | 48 |
| $27.77 | 0 | 47 | $31.00 | $0.03 | 0 | 23 |
| $26.78 | 0 | 367 | $32.00 | $0.03 | 0 | 802 |
| $25.79 | 0 | 1,237 | $33.00 | $0.03 | 0 | 156 |
| $24.79 | 0 | 41 | $34.00 | $0.04 | 0 | 57 |
| $23.80 | 0 | 82 | $35.00 | $0.04 | 0 | 1,030 |
| $20.20 | 2 | 57 | $36.00 | $0.05 | 0 | 78 |
| $21.81 | 0 | 143 | $37.00 | $0.05 | 0 | 62 |
| $20.81 | 0 | 70 | $38.00 | $0.06 | 0 | 25 |
| $19.82 | 0 | 19 | $39.00 | $0.06 | 0 | 109 |
| $18.83 | 0 | 43 | $40.00 | $0.07 | 0 | 108 |
| $17.83 | 0 | 64 | $41.00 | $0.07 | 0 | 274 |
| $16.84 | 0 | 4 | $42.00 | $0.08 | 0 | 114 |
| $15.84 | 0 | 0 | $43.00 | $0.08 | 0 | 173 |
| $15.34 | 0 | 0 | $43.50 | $0.08 | 0 | 1 |
| $14.85 | 0 | 22 | $44.00 | $0.08 | 2 | 2,090 |
| $14.35 | 0 | 0 | $44.50 | $0.09 | 0 | 0 |
| $13.85 | 0 | 181 | $45.00 | $0.03 | 1 | 2,023 |
| $13.36 | 0 | 0 | $45.50 | $0.09 | 0 | 0 |
| $12.86 | 0 | 100 | $46.00 | $0.06 | 1 | 602 |
| $12.36 | 0 | 0 | $46.50 | $0.10 | 0 | 12 |
| $11.86 | 0 | 13 | $47.00 | $0.10 | 0 | 700 |
| $11.37 | 0 | 16 | $47.50 | $0.05 | 1 | 190 |
| $10.87 | 0 | 167 | $48.00 | $0.10 | 0 | 1,279 |
| $10.37 | 0 | 0 | $48.50 | $0.11 | 0 | 162 |
| $9.88 | 0 | 332 | $49.00 | $0.09 | 5 | 2,358 |
| $9.38 | 0 | 4 | $49.50 | $0.11 | 0 | 351 |
| $6.17 | 4 | 1,406 | $50.00 | $0.17 | 11 | 2,531 |
| $5.12 | 4 | 175 | $51.00 | $0.13 | 0 | 975 |
| $6.95 | 0 | 292 | $52.00 | $0.46 | 13 | 419 |
| $3.92 | 6 | 1,057 | $53.00 | $0.75 | 11 | 491 |
| $2.85 | 9 | 1,568 | $54.00 | $1.03 | 2 | 835 |
| $2.30 | 84 | 7,495 | $55.00 | $1.35 | 136 | 3,619 |
| $1.96 | 78 | 917 | $56.00 | $1.75 | 68 | 147 |
| $1.45 | 87 | 1,540 | $57.00 | $2.35 | 27 | 358 |
| $1.12 | 6 | 169 | $58.00 | $2.72 | 2 | 270 |
| $0.66 | 4 | 531 | $59.00 | $2.10 | 0 | 38 |
| $0.49 | 170 | 3,397 | $60.00 | $2.65 | 0 | 2,506 |
| $1.08 | 0 | 1,343 | $61.00 | $3.30 | 0 | 0 |
| $0.28 | 6 | 6 | $62.00 | $4.05 | 0 | 0 |
| $0.25 | 1 | 64 | $63.00 | $4.85 | 0 | 0 |
| $0.15 | 4 | 15 | $64.00 | $5.68 | 0 | 0 |
| $0.05 | 4 | 1,760 | $65.00 | $6.58 | 0 | 1,016 |
| $0.00 | 0 | 0 | $66.00 | $0.00 | 0 | 0 |
| $0.00 | 0 | 0 | $67.00 | $0.00 | 0 | 0 |
| $0.13 | 0 | 4,319 | $70.00 | $11.36 | 0 | 56 |
| $0.03 | 1 | 1,552 | $75.00 | $16.28 | 0 | 13 |
| $0.00 | 0 | 4,906 | $80.00 | $21.28 | 0 | 3 |
| $0.00 | 0 | 1,593 | $85.00 | $26.28 | 0 | 0 |
| $0.00 | 0 | 2,799 | $90.00 | $31.28 | 0 | 0 |
| $0.00 | 0 | 1,448 | $95.00 | $36.28 | 0 | 0 |
| $0.00 | 0 | 5,507 | $100.00 | $41.28 | 0 | 0 |
| $0.00 | 0 | 86 | $105.00 | $46.28 | 0 | 0 |
| $0.00 | 0 | 356 | $110.00 | $51.28 | 0 | 0 |
| $0.00 | 0 | 54 | $115.00 | $56.28 | 0 | 0 |
| $0.00 | 0 | 985 | $120.00 | $61.28 | 0 | 0 |
Oct 23, 2026 (34 strikes)
| Calls | Strike | Puts | ||||
|---|---|---|---|---|---|---|
| Last | Vol | OI | Last | Vol | OI | |
| $28.73 | 0 | 0 | $30.00 | $0.00 | 0 | 0 |
| $23.75 | 0 | 0 | $35.00 | $0.01 | 0 | 0 |
| $19.78 | 0 | 0 | $39.00 | $0.03 | 0 | 1 |
| $18.79 | 0 | 0 | $40.00 | $0.04 | 0 | 5 |
| $17.80 | 0 | 0 | $41.00 | $0.05 | 0 | 2 |
| $16.81 | 0 | 0 | $42.00 | $0.07 | 0 | 1 |
| $15.83 | 0 | 0 | $43.00 | $0.08 | 0 | 1 |
| $14.85 | 0 | 1 | $44.00 | $0.10 | 0 | 3 |
| $13.88 | 0 | 0 | $45.00 | $0.13 | 0 | 36 |
| $12.91 | 0 | 0 | $46.00 | $0.15 | 0 | 5 |
| $11.95 | 0 | 1 | $47.00 | $0.19 | 0 | 8 |
| $10.99 | 0 | 7 | $48.00 | $0.23 | 0 | 4 |
| $10.04 | 0 | 9 | $49.00 | $0.28 | 0 | 28 |
| $9.10 | 0 | 1 | $50.00 | $0.41 | 16 | 79 |
| $5.51 | 2 | 4 | $51.00 | $0.40 | 0 | 122 |
| $7.22 | 0 | 7 | $52.00 | $0.85 | 10 | 45 |
| $4.30 | 1 | 28 | $53.00 | $1.05 | 2 | 27 |
| $5.57 | 0 | 8 | $54.00 | $0.80 | 0 | 5 |
| $2.85 | 2 | 24 | $55.00 | $1.03 | 0 | 4 |
| $2.40 | 15 | 21 | $56.00 | $1.38 | 0 | 6 |
| $2.03 | 2 | 6 | $57.00 | $2.75 | 71 | 2 |
| $1.39 | 1 | 9 | $58.00 | $3.30 | 2 | 4 |
| $1.09 | 8 | 13 | $59.00 | $2.65 | 0 | 0 |
| $0.99 | 7 | 53 | $60.00 | $3.30 | 0 | 4 |
| $0.90 | 12 | 3 | $61.00 | $3.96 | 0 | 0 |
| $1.40 | 0 | 399 | $62.00 | $4.62 | 0 | 0 |
| $0.50 | 24 | 10 | $63.00 | $5.31 | 0 | 0 |
| $0.37 | 4 | 27 | $64.00 | $6.11 | 0 | 0 |
| $0.30 | 22 | 12 | $65.00 | $6.92 | 0 | 0 |
| $0.00 | 0 | 0 | $66.00 | $0.00 | 0 | 0 |
| $0.00 | 0 | 0 | $67.00 | $0.00 | 0 | 0 |
| $0.00 | 0 | 0 | $68.00 | $0.00 | 0 | 0 |
| $0.11 | 1 | 2 | $70.00 | $11.53 | 0 | 0 |
| $0.14 | 0 | 3 | $75.00 | $16.37 | 0 | 0 |
Oct 30, 2026 (34 strikes)
| Calls | Strike | Puts | ||||
|---|---|---|---|---|---|---|
| Last | Vol | OI | Last | Vol | OI | |
| $28.74 | 0 | 19 | $30.00 | $0.00 | 0 | 0 |
| $23.78 | 0 | 0 | $35.00 | $0.04 | 0 | 3 |
| $19.90 | 0 | 0 | $39.00 | $0.15 | 0 | 26 |
| $18.95 | 0 | 1 | $40.00 | $0.75 | 1 | 5 |
| $18.01 | 0 | 0 | $41.00 | $0.25 | 0 | 6 |
| $17.07 | 0 | 1 | $42.00 | $0.31 | 0 | 2 |
| $16.14 | 0 | 1 | $43.00 | $0.10 | 1 | 3 |
| $15.21 | 0 | 2 | $44.00 | $0.35 | 1 | 8 |
| $14.27 | 0 | 27 | $45.00 | $0.50 | 0 | 167 |
| $13.34 | 0 | 2 | $46.00 | $0.57 | 0 | 34 |
| $12.45 | 0 | 2 | $47.00 | $0.67 | 0 | 69 |
| $11.55 | 0 | 18 | $48.00 | $0.78 | 0 | 1 |
| $10.66 | 0 | 1 | $49.00 | $1.17 | 5 | 5 |
| $8.00 | 1 | 4 | $50.00 | $1.45 | 127 | 102 |
| $8.92 | 0 | 23 | $51.00 | $1.54 | 2 | 56 |
| $8.20 | 0 | 82 | $52.00 | $1.89 | 4 | 9 |
| $5.47 | 30 | 208 | $53.00 | $1.70 | 0 | 53 |
| $4.80 | 2 | 148 | $54.00 | $2.30 | 2 | 4 |
| $6.09 | 0 | 100 | $55.00 | $3.00 | 1 | 39 |
| $3.85 | 17 | 41 | $56.00 | $3.80 | 51 | 11 |
| $3.40 | 16 | 28 | $57.00 | $3.14 | 0 | 5 |
| $3.02 | 11 | 195 | $58.00 | $4.90 | 1 | 51 |
| $4.07 | 0 | 46 | $59.00 | $5.70 | 1 | 16 |
| $2.47 | 12 | 284 | $60.00 | $4.86 | 0 | 3 |
| $2.20 | 1 | 5 | $61.00 | $7.10 | 1 | 2 |
| $2.85 | 0 | 10 | $62.00 | $6.05 | 0 | 0 |
| $2.50 | 0 | 9 | $63.00 | $6.70 | 0 | 0 |
| $1.34 | 5 | 54 | $64.00 | $7.35 | 0 | 0 |
| $1.25 | 48 | 60 | $65.00 | $8.16 | 0 | 0 |
| $0.00 | 0 | 0 | $66.00 | $0.00 | 0 | 0 |
| $0.00 | 0 | 0 | $67.00 | $0.00 | 0 | 0 |
| $0.00 | 0 | 0 | $68.00 | $0.00 | 0 | 0 |
| $0.55 | 2 | 66 | $70.00 | $12.22 | 0 | 0 |
| $0.58 | 0 | 34 | $75.00 | $16.77 | 0 | 0 |
Nov 6, 2026 (34 strikes)
| Calls | Strike | Puts | ||||
|---|---|---|---|---|---|---|
| Last | Vol | OI | Last | Vol | OI | |
| $28.80 | 0 | 0 | $30.00 | $0.08 | 0 | 20 |
| $23.90 | 0 | 0 | $35.00 | $0.17 | 0 | 0 |
| $20.03 | 0 | 0 | $39.00 | $0.29 | 0 | 0 |
| $19.07 | 0 | 0 | $40.00 | $0.33 | 0 | 3 |
| $18.12 | 0 | 0 | $41.00 | $0.37 | 0 | 0 |
| $17.16 | 0 | 0 | $42.00 | $0.41 | 0 | 0 |
| $16.20 | 0 | 0 | $43.00 | $0.45 | 0 | 0 |
| $15.25 | 0 | 0 | $44.00 | $0.50 | 0 | 1 |
| $14.29 | 0 | 0 | $45.00 | $0.60 | 1 | 5 |
| $13.35 | 0 | 0 | $46.00 | $0.59 | 0 | 1 |
| $10.45 | 3 | 0 | $47.00 | $0.96 | 1 | 2 |
| $11.63 | 0 | 0 | $48.00 | $1.12 | 2 | 5 |
| $10.76 | 0 | 0 | $49.00 | $1.00 | 0 | 0 |
| $7.62 | 2 | 1 | $50.00 | $1.63 | 2 | 7 |
| $9.13 | 0 | 0 | $51.00 | $1.35 | 0 | 1 |
| $8.42 | 0 | 0 | $52.00 | $1.64 | 0 | 2 |
| $5.80 | 10 | 4 | $53.00 | $1.92 | 0 | 1 |
| $5.40 | 1 | 10 | $54.00 | $2.28 | 0 | 0 |
| $6.43 | 0 | 0 | $55.00 | $3.60 | 60 | 52 |
| $4.30 | 3 | 11 | $56.00 | $3.00 | 0 | 10 |
| $5.21 | 0 | 39 | $57.00 | $3.42 | 0 | 0 |
| $3.60 | 2 | 5 | $58.00 | $5.30 | 65 | 10 |
| $3.25 | 10 | 12 | $59.00 | $5.80 | 10 | 14 |
| $2.95 | 1 | 19 | $60.00 | $5.10 | 0 | 0 |
| $3.47 | 0 | 0 | $61.00 | $5.67 | 0 | 0 |
| $3.03 | 0 | 13 | $62.00 | $6.23 | 0 | 0 |
| $2.70 | 0 | 0 | $63.00 | $6.89 | 0 | 0 |
| $2.38 | 0 | 0 | $64.00 | $7.57 | 0 | 0 |
| $1.48 | 2 | 26 | $65.00 | $8.29 | 0 | 0 |
| $0.00 | 0 | 0 | $66.00 | $0.00 | 0 | 0 |
| $0.00 | 0 | 0 | $67.00 | $0.00 | 0 | 0 |
| $0.00 | 0 | 0 | $68.00 | $0.00 | 0 | 0 |
| $0.80 | 10 | 171 | $70.00 | $12.29 | 0 | 0 |
| $0.50 | 3 | 1 | $75.00 | $16.91 | 0 | 0 |
Chain covers the nearest 6 expirations only — where almost all retail volume sits. Data as of 2026-10-08 14:59, refreshed a few times a day, not real-time.
For reference only, not investment advice. Options involve risk and are not suitable for every investor.
Quote time 2026-10-08 07:00:17 · For reference only, not investment advice and not tailored to your situation.