Curated replacements grouped by fit, tradeoffs, pricing flexibility, and platform access. Use this list to decide which The Earnings Watcher competitor is worth testing first.
Looking for a The Earnings Watcher replacement? We've profiled 20 alternatives by workflow fit, pricing flexibility, caveats, and platform access. Whether you need a free option to trial, mobile-ready workflows, or API integrations, this list helps you choose what to test first.
Disclosure: outbound links may include affiliate or sponsor links
Which Alternative Should You Use?
StockAlert Pro
Closest replacement
Best for: Investors and builders who need configurable stock/ETF alerts across price, technicals, volume, fundamentals, dividends, time reminders, API keys, webhooks, and SDKs.
StockAlert Pro best matches the base workflow on market monitoring, fundamental research, and stock research.
StockAlert Pro keeps the replacement test in the same free-access lane. Free access caveat: signup required and March 19, 2026 changelog says every free user can create up to 5 active Price and Time alerts, track up to 2 watchlist stocks, and use one Developer API key at 100 requests/hour..
Watch for: Alert-first product: StockAlert Pro monitors conditions and sends notifications; it is not a broker, full research terminal, or portfolio accounting system.
Best for: Value investors who want long historical fundamentals, GF Score, GF Value, and guru/institutional holdings.
GuruFocus best matches the base workflow on fundamental research, stock research, and portfolio tracking.
GuruFocus keeps the replacement test in the same free-access lane. Free access caveat: signup required and Free account has limited platform access..
Watch for: Paid access is region and tier dependent: The existing profile records annual paid memberships, region add-ons, API plans, and pay-as-you-go API credits.
Best for: Users who want one free global market portal for quotes, charts, calendars, news, watchlists, and portfolio tracking.
Investing.com best matches the base workflow on market monitoring, fundamental research, and portfolio tracking.
Investing.com keeps the replacement test in the same free-access lane. Free access caveat: Free access is ad-supported and does not include the full InvestingPro research layer..
Watch for: Not a broker or API product: Investing.com does not provide direct trading execution or a public API; widgets and RSS are the main integration surfaces.
Best for: Retail investors who want global market news, watchlists, screeners, analyst data, calendars, reports, and model portfolios in one broad web portal.
MarketScreener best matches the base workflow on market monitoring, fundamental research, and stock research.
MarketScreener keeps the replacement test in the same free-access lane. Free access caveat: signup required and Free member access exists but some content and features remain locked..
Watch for: Best features are tier-gated: Advanced screeners, more reports, portfolios, and decision-support tools are gated behind Premium or Expert tiers.
Bottom line: Investors and builders who need configurable stock/ETF alerts across price, technicals, volume, fundamentals, dividends, time reminders, API keys, webhooks, and SDKs.
Replacement
Drop-in replacement
Pricing fit
Free-plan match
Free tier
Yes
Platforms
Web
Assets
Stocks
Experience
Beginner and Intermediate
Plans
Free and Subscription
Why switch
StockAlert Pro best matches the base workflow on market monitoring, fundamental research, and stock research.
StockAlert Pro matches the base audience on Beginner, Intermediate, and retail investors.
You gain Dividends, Stock Ideas, Screeners, and Data Visualizations.
Watch out
Minor switch gaps: does not clearly cover portfolio alerts and less aligned with Retail Traders and Long-term Investors.
Avoid as a full replacement if you rely on portfolio alerts.
Alert-first product: StockAlert Pro monitors conditions and sends notifications; it is not a broker, full research terminal, or portfolio accounting system.
Free-plan limits: Signup required, March 19, 2026 changelog says every free user can create up to 5 active Price and Time alerts, track up to 2 watchlist stocks, and use one Developer API key at 100 requests/hour., and Changelog says Premium unlocks unlimited alerts, unlimited API keys, and the full alert catalog..
Bottom line: Value investors who want long historical fundamentals, GF Score, GF Value, and guru/institutional holdings.
Replacement
Partial replacement
Pricing fit
Free-plan match
Free tier
Yes
Platforms
Web
Assets
Stocks
Experience
Beginner and Intermediate
Plans
Free and Subscription
Why switch
GuruFocus best matches the base workflow on fundamental research, stock research, and portfolio tracking.
GuruFocus matches the base audience on Retail Traders, Long-term Investors, and Beginner.
You gain Stock Ideas, Screeners, ETF Screeners, and Top Analysts.
Watch out
Minor switch gaps: does not clearly cover market monitoring, portfolio alerts, and alerts.
Avoid as a full replacement if you rely on market monitoring, portfolio alerts, and alerts.
Paid access is region and tier dependent: The existing profile records annual paid memberships, region add-ons, API plans, and pay-as-you-go API credits.
Free-plan limits: Signup required, Free account has limited platform access., and Free members have limited portfolio capacity..
Bottom line: Users who want one free global market portal for quotes, charts, calendars, news, watchlists, and portfolio tracking.
Replacement
Partial replacement
Pricing fit
Free-plan match
Free tier
Yes
Platforms
Web
Assets
Stocks
Experience
Beginner and Intermediate
Plans
Free and Subscription
Why switch
Investing.com best matches the base workflow on market monitoring, fundamental research, and portfolio tracking.
Investing.com matches the base audience on Retail Traders, Long-term Investors, and Beginner.
You gain Stock Ideas, Screeners, Stock Comparison, and Data Visualizations.
Watch out
Minor switch gaps: does not clearly cover portfolio alerts, stock research, and alerts.
Avoid as a full replacement if you rely on portfolio alerts, stock research, and alerts.
Not a broker or API product: Investing.com does not provide direct trading execution or a public API; widgets and RSS are the main integration surfaces.
Free-plan limits: Free access is ad-supported and does not include the full InvestingPro research layer., WarrenAI, ProPicks, premium reports, and deeper datasets are plan-gated., and Market-data latency and real-time availability vary by instrument and source..
Bottom line: Retail investors who want global market news, watchlists, screeners, analyst data, calendars, reports, and model portfolios in one broad web portal.
Replacement
Partial replacement
Pricing fit
Free-plan match
Free tier
Yes
Platforms
Web
Assets
Stocks
Experience
Beginner and Intermediate
Plans
Free and Subscription
Why switch
MarketScreener best matches the base workflow on market monitoring, fundamental research, and stock research.
MarketScreener matches the base audience on Retail Traders, Long-term Investors, and Beginner.
You gain News, Screeners, Stock Ideas, and Data Visualizations.
Watch out
Minor switch gaps: does not clearly cover portfolio alerts, alerts, and API and market data.
Avoid as a full replacement if you rely on portfolio alerts, alerts, and API and market data.
Best features are tier-gated: Advanced screeners, more reports, portfolios, and decision-support tools are gated behind Premium or Expert tiers.
Free-plan limits: Signup required, Free member access exists but some content and features remain locked., and Subscription page lists Access, Premium, and Expert paid tiers..
Bottom line: Retail investors who want news, contributor analysis, quant ratings, screeners, and portfolio alerts together.
Replacement
Partial replacement
Pricing fit
Free-plan match
Free tier
Yes
Platforms
Web
Assets
Stocks
Experience
Beginner and Intermediate
Plans
Free and Subscription
Why switch
Seeking Alpha best matches the base workflow on portfolio alerts, fundamental research, and stock research.
Seeking Alpha matches the base audience on Retail Traders, Beginner, and Intermediate.
You gain News, News Sentiment, Stock Ideas, and Top Analysts.
Watch out
Material switch gaps: does not clearly cover market monitoring, alerts, and API and market data and less aligned with Long-term Investors.
Avoid as a full replacement if you rely on market monitoring, alerts, and API and market data.
Free access is limited: The Basic plan has limited premium-article access and core portfolio/watchlist features.
Free-plan limits: Signup required, Basic has limited premium-article access., and Premium is needed for unlimited articles/transcripts, ratings, factor grades, screeners, comparisons, broker linking, and AI summaries..
Bottom line: Retail investors who want analyst consensus, expert rankings, Smart Score, news sentiment, and stock ideas.
Replacement
Partial replacement
Pricing fit
Free-plan match
Free tier
Yes
Platforms
Web
Assets
Stocks
Experience
Beginner and Intermediate
Plans
Free and Subscription
Why switch
TipRanks best matches the base workflow on fundamental research, stock research, and portfolio tracking.
TipRanks matches the base audience on Retail Traders, Beginner, and Intermediate.
You gain Stock Ideas, Top Analysts, Screeners, and ETF Screeners.
Watch out
Material switch gaps: does not clearly cover market monitoring, portfolio alerts, and alerts and less aligned with Long-term Investors.
Avoid as a full replacement if you rely on market monitoring, portfolio alerts, and alerts.
Best tools are paid: Premium and Ultimate gate Smart Portfolio, Smart Score, expert/insider/hedge-fund tools, exports, and higher MCP quotas.
Free-plan limits: Signup required, Free/Basic MCP OAuth quota is 10 tool calls per month., and Free API-key tier is limited to 5 requests per minute and 50 requests per month..
Bottom line: Traders and investors who want charting, alerts, screeners, and market coverage across many asset classes.
Replacement
Partial replacement
Pricing fit
Free-plan match
Free tier
Yes
Platforms
Web
Assets
Stocks
Experience
Beginner and Intermediate
Plans
Free and Subscription
Why switch
TradingView best matches the base workflow on fundamental research, alerts, and portfolio tracking.
TradingView matches the base audience on Retail Traders, Beginner, and Intermediate.
You gain Data Visualizations, Quant, Screeners, and ETF Screeners.
Watch out
Material switch gaps: does not clearly cover market monitoring, portfolio alerts, and stock research and less aligned with Long-term Investors.
Avoid as a full replacement if you rely on market monitoring, portfolio alerts, and stock research.
Real-time market data can require add-ons: The profile notes optional real-time quote subscriptions and exchange-specific data fees.
Free-plan limits: Signup required, Basic tier limits charts per tab, indicators, alerts, watchlists, and historical bars., and Some real-time exchange data is sold separately from platform plans..
Bottom line: Historical and competitive research on an AI stock research product that combined screening, S&P Global data, portfolio tracking, ratings, transcripts, and investor-activity feeds.
Replacement
Partial replacement
Pricing fit
Free-plan match
Free tier
Yes
Platforms
Web
Assets
Stocks
Experience
Beginner and Intermediate
Plans
Free and Subscription
Why switch
Gainify best matches the base workflow on fundamental research, stock research, and portfolio tracking.
Gainify matches the base audience on Retail Traders, Long-term Investors, and Beginner.
You gain Stock Ideas, Screeners, Stock Comparison, and Data Visualizations.
Watch out
Minor switch gaps: does not clearly cover market monitoring, portfolio alerts, and alerts.
Avoid as a full replacement if you rely on market monitoring, portfolio alerts, and alerts.
Service is discontinued: The canonical homepage says Gainify.io is closed and the Gainify service is no longer available, so it should not be recommended as a live signup option.
Free-plan limits: Signup required, Gainify has been discontinued and the service is no longer available., and Active paying subscribers were directed to transition information by email..
Bottom line: Active investors and developers who want market data, news clustering, social sentiment, institutional flow, insider trades, and AI analysis in one beta workspace.
Replacement
Drop-in replacement
Pricing fit
Free-plan match
Free tier
Yes
Platforms
Web
Assets
Stocks
Experience
Intermediate
Plans
Free and Subscription
Why switch
SentiSense best matches the base workflow on market monitoring, portfolio alerts, and fundamental research.
SentiSense matches the base audience on Retail Traders, Intermediate, and retail investors.
You gain Stock Ideas, Screeners, Data Visualizations, and Quant.
Watch out
Minor switch gaps: does not clearly cover alerts and less aligned with Long-term Investors and Beginner.
Avoid as a full replacement if you rely on alerts.
Beta product with plan limits: Free and PRO quotas are now published, but the product remains young and users should verify endpoint-level access before depending on it in production.
Free-plan limits: Signup required, Free plan includes 1,000 API requests/month and limited market-intelligence access., and PRO is listed at $15/month or $144/year with 100,000 API requests/month..
Bottom line: Income investors who want dividend ratings, ex-dividend dates, dividend stock lists, and model portfolios.
Replacement
Drop-in replacement
Pricing fit
Free-plan match
Free tier
Yes
Platforms
Web
Assets
Stocks
Experience
Beginner and Intermediate
Plans
Free and Subscription
Why switch
Dividend.com best matches the base workflow on portfolio alerts, fundamental research, and stock research.
Dividend.com matches the base audience on Retail Traders, Long-term Investors, and Beginner.
You gain Screeners, Stock Ideas, Stock Comparison, and ETF Comparison.
Watch out
Minor switch gaps: does not clearly cover market monitoring and alerts and less aligned with fundamental investors and quants and developers.
Avoid as a full replacement if you rely on market monitoring and alerts.
Premium gates the useful workflow: Model portfolios, payout estimates, premium lists, downloads, Dividend Watchlist, and ad-free access require Premium.
Free-plan limits: Signup required, Free content is limited., and Premium is required for model portfolios, downloads, payout estimates, watchlist tools, and premium lists..
Bottom line: Mainstream investors who want free quotes, news, watchlists, portfolios, charts, and basic research in one familiar product.
Replacement
Partial replacement
Pricing fit
Free-plan match
Free tier
Yes
Platforms
Web
Assets
Stocks
Experience
Beginner and Intermediate
Plans
Free and Subscription
Why switch
Yahoo Finance best matches the base workflow on market monitoring, portfolio alerts, and fundamental research.
Yahoo Finance matches the base audience on Retail Traders, Long-term Investors, and Beginner.
You gain News, Portfolio, Stock Ideas, and Screeners.
Watch out
Material switch gaps: does not clearly cover stock research, alerts, and API and market data and less aligned with quants and developers.
Avoid as a full replacement if you rely on stock research, alerts, and API and market data.
Data is informational, not trading-grade: The existing profile notes Yahoo says all finance data is informational and not intended for trading or investing purposes.
Free-plan limits: Signup required, Free account/sign-in may be required for some portfolio and watchlist features., and Premium portfolio analytics, research, screeners, and longer downloadable history are paid..
Bottom line: Beginner and intermediate investors who want readable company evaluations, visual financial statements, curated stock lists, watchlists, and alerts without a complex terminal.
Replacement
Drop-in replacement
Pricing fit
Free-plan match
Free tier
Yes
Platforms
Web
Assets
Stocks
Experience
Beginner and Intermediate
Plans
Free and Subscription
Why switch
Smartfin best matches the base workflow on fundamental research, stock research, and alerts.
Smartfin matches the base audience on Beginner, Intermediate, and retail investors.
You gain Stock Ideas, Financials, Scores, and Data Visualizations.
Watch out
Minor switch gaps: does not clearly cover market monitoring and portfolio alerts and less aligned with Retail Traders and Long-term Investors.
Avoid as a full replacement if you rely on market monitoring and portfolio alerts.
US-stock focus: Smartfin is strongest for U.S. stocks and does not replace global equity, ETF, options, or macro research platforms.
Free-plan limits: Signup required, Starter is advertised as free forever with no billing required., and Premium is listed at $8.33/month billed annually at $99.99/year, with a 14-day money-back guarantee..
Bottom line: Retail investors who want one mobile-first tracker for stocks, ETFs, crypto, funds, forex, commodities, and wallets.
Replacement
Partial replacement
Pricing fit
Free-plan match
Free tier
Yes
Platforms
Web
Assets
Stocks
Experience
Beginner and Intermediate
Plans
Free and Subscription
Why switch
Delta by eToro best matches the base workflow on market monitoring, portfolio alerts, and portfolio tracking.
Delta by eToro matches the base audience on Retail Traders, Long-term Investors, and Beginner.
You gain Portfolio, News, Data Visualizations, and Risk Metrics.
Watch out
Material switch gaps: does not clearly cover fundamental research, stock research, and alerts and less aligned with fundamental investors.
Avoid as a full replacement if you rely on fundamental research, stock research, and alerts.
Free tier is asset-capped: Basic is positioned for up to 10 tracked assets; larger portfolios need PRO or PRO+.
Free-plan limits: Signup required, Basic is free with a limited number of tracked assets., and PRO and PRO+ unlock higher asset limits, deeper analytics, AI/context features, and advanced reporting..
Bottom line: Multi-asset investors who want dividend analytics, broker sync, backtesting, fund look-through, and portfolio dashboards.
Replacement
Partial replacement
Pricing fit
Free-plan match
Free tier
Yes
Platforms
Web
Assets
Stocks
Experience
Beginner and Intermediate
Plans
Free and Subscription
Why switch
Snowball Analytics best matches the base workflow on portfolio alerts, fundamental research, and portfolio tracking.
Snowball Analytics matches the base audience on Retail Traders, Long-term Investors, and Beginner.
You gain Portfolio, Backtesting, Dividends, and Dividend Tax / ADR Withholding.
Watch out
Material switch gaps: does not clearly cover market monitoring, stock research, and alerts and less aligned with fundamental investors.
Avoid as a full replacement if you rely on market monitoring, stock research, and alerts.
Free plan is intentionally limited: Free access is capped at one portfolio, 10 holdings, one custom asset, one watchlist, and shorter history.
Free-plan limits: Signup required, Free plan has portfolio, holding, custom asset, watchlist, and history limits., and Paid plans have a 14-day trial with no credit card required..
Bottom line: Active traders who want AI-generated signals, pattern detection, paper trading, AI Robots, and short-horizon trade-idea workflows across stocks, ETFs, crypto, forex, and funds.
Replacement
Partial replacement
Pricing fit
Free-plan match
Free tier
Yes
Platforms
Web
Assets
Stocks
Experience
Beginner and Intermediate
Plans
Free and Subscription
Why switch
Tickeron best matches the base workflow on fundamental research, alerts, and portfolio tracking.
Tickeron matches the base audience on Retail Traders, Beginner, and Intermediate.
You gain Screeners, Stock Ideas, Stock Comparison, and Auto-Trading & Bots.
Watch out
Material switch gaps: does not clearly cover market monitoring, portfolio alerts, and stock research and less aligned with Long-term Investors.
Avoid as a full replacement if you rely on market monitoring, portfolio alerts, and stock research.
Complex pricing surface: Tickeron pricing appears across memberships, tools, robots, promotions, and standalone subscriptions, so users must verify the exact checkout bundle.
Free-plan limits: Signup required, Credit card required, and Tickeron landing pages advertise a 14-day free trial and state the card is not charged until the end of the trial..
Bottom line: Self-directed traders and investors who want technical and fundamental screening, watchlists, alerts, charts, and idea templates in one browser product.
Replacement
Partial replacement
Pricing fit
Free-plan match
Free tier
Yes
Platforms
Web
Assets
Stocks
Experience
Beginner and Intermediate
Plans
Free and Subscription
Why switch
ChartMill best matches the base workflow on portfolio alerts, fundamental research, and stock research.
ChartMill matches the base audience on Retail Traders, Long-term Investors, and Beginner.
You gain Screeners, Stock Ideas, Stock Comparison, and Data Visualizations.
Watch out
Material switch gaps: does not clearly cover market monitoring, alerts, and API and market data and less aligned with quants and developers.
Avoid as a full replacement if you rely on market monitoring, alerts, and API and market data.
Delayed market data: Paid access unlocks tools, but market data remains delayed or end-of-day, so active traders needing real-time feeds need another platform.
Free-plan limits: Free access includes screener and charts with data limits. and Monthly subscription is $34.97/month after first-month promotion; annual plan is $299.97/year and includes a swing-trading course..
Bottom line: Retail investors who want mainstream market news, quote pages, watchlists, calendars, screeners, and BigCharts in one site.
Replacement
Drop-in replacement
Pricing fit
Free-plan match
Free tier
Yes
Platforms
Web
Assets
Stocks
Experience
Beginner and Intermediate
Plans
Free and Subscription
Why switch
MarketWatch best matches the base workflow on market monitoring, fundamental research, and alerts.
MarketWatch matches the base audience on Beginner, Intermediate, and retail investors.
You gain News, Screeners, Data Visualizations, and Paper Trading.
Watch out
Material switch gaps: does not clearly cover portfolio alerts and stock research and less aligned with Retail Traders, Long-term Investors, and fundamental investors.
Avoid as a full replacement if you rely on portfolio alerts and stock research.
Subscription is mainly for journalism: The MarketWatch subscription is for news coverage; quote pages remain available without a subscription.
Free-plan limits: Premium articles and newsletters require subscription., Quote pages are still available at no additional cost., and Intro offers renew at higher standard rates..
Bottom line: Investors who specifically want Zacks Rank, earnings-estimate revisions, Style Scores, and earnings-surprise workflows.
Replacement
Drop-in replacement
Pricing fit
Free-plan match
Free tier
Yes
Platforms
Web
Assets
Stocks
Experience
Beginner and Intermediate
Plans
Free and Subscription
Why switch
Zacks (Zacks.com) best matches the base workflow on portfolio alerts, fundamental research, and stock research.
Zacks (Zacks.com) matches the base audience on Beginner, Intermediate, and retail investors.
You gain Screeners, ETF Screeners, Portfolio, and News.
Watch out
Material switch gaps: does not clearly cover market monitoring and alerts and less aligned with Retail Traders, Long-term Investors, and fundamental investors.
Avoid as a full replacement if you rely on market monitoring and alerts.
Best features are premium-gated: The full #1 Rank list, Equity Research Reports, Focus List, Premium Screens, and Earnings ESP filter require paid plans.
Free-plan limits: Signup required, Free membership provides basic research access., and Premium lists, screens, reports, Focus List, and Earnings ESP are plan-gated..
StockAlert Pro is the closest drop-in replacement with overlapping coverage in Alerts, Calendar, and Watchlist while adding Dividends and Stock Ideas coverage and 22 alert types across price, technical (MA crosses, RSI), volume, fundamentals (P/E, forward P/E, earnings, insider activity), dividends (ex-date/payment), and time-based reminders. and Minute‑by‑minute monitoring during regular, pre‑market, and after‑hours sessions; notifications within seconds when conditions are met. features (workflow overlap ~100%).
Free tiers remain available through StockAlert Pro, GuruFocus, Investing.com, MarketScreener, Koyfin, Seeking Alpha, TipRanks, TradingView, Gainify, SentiSense, Dividend.com, Yahoo Finance, Smartfin, Delta by eToro, Snowball Analytics, Tickeron, ChartMill, MarketWatch, and Zacks (Zacks.com) for side-by-side testing.
Need mobile access? GuruFocus, Investing.com, and MarketScreener bring phone-ready workflows that The Earnings Watcher lacks.
Round out your stack with new coverage areas like Dividends, Stock Ideas, Screeners, and Data Visualizations.
Coverage Snapshot
Where alternatives already align
Most shared categories across the top matches.
Alerts×20Calendar×20Watchlist×20
New angles introduced
Categories the alternatives add beyond The Earnings Watcher.
19 of 20 alternatives keep a free tier for trials.
Mobile ready
14/20
14 alternatives bring native mobile access.
API availability
6/20
6 of the shortlisted tools expose API endpoints for automation-heavy workflows.
Quality checks
6 starred / 11 tested
6 tools are flagged as analyst picks; 11 have been hands-on tested.
Avg. coverage overlap
100%
Average percentage of categories shared with the base tool.
Frequently Asked Questions
What are the best alternatives to The Earnings Watcher?
The Earnings Watcher users most often consider StockAlert Pro, GuruFocus, and Investing.com as their go-to alternatives.
Which alternatives keep a free tier?
StockAlert Pro, GuruFocus, Investing.com, MarketScreener, Koyfin, Seeking Alpha, TipRanks, TradingView, Gainify, SentiSense, Dividend.com, Yahoo Finance, Smartfin, Delta by eToro, Snowball Analytics, Tickeron, ChartMill, MarketWatch, and Zacks (Zacks.com) offer a free plan or trial option, making them easy to test before committing to a paid subscription.
Which workflows do the top The Earnings Watcher alternatives cover?
Expect deep coverage across Alerts, Calendar, and Watchlist, so you can port most The Earnings Watcher workflows without much friction.
Information
About Me
Hey! Thanks for stopping by. I'm an independent investor with a soft spot for coding and the stock market - especially value investing (as you can probably tell from the tools I've collected here, haha). Hopefully you'll find something useful or interesting along the way.
Discovered a gem I don't have here yet? Drop the link below and I'll check it out ASAP. Tagging me on X works too! Can't wait to see what you've found!
These are my top picks. Tools I've tested thoroughly and found to be excellent. They do their job really well, and I use them a lot. If you're not already familiar with them, I highly recommend checking them out.
Tested Tools
These are tools I've tried and found to be solid, but not standout. Think of them as passing an initial quality screen: worth exploring, though not all will be exceptional.
Curation & Accuracy
This directory blends AI‑assisted discovery with human curation. Entries are reviewed, edited, and organized with the goal of expanding coverage and sharpening quality over time. Your feedback helps steer improvements (because no single human can capture everything all at once).
Details change. Pricing, features, and availability may be incomplete or out of date. Treat listings as a starting point and verify on the provider’s site before making decisions. If you spot an error or a gap, send a quick note and I’ll adjust.