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Best USD to JMD Exchange Rate Today: 129.0633

Compare international payments, cash buys, travel money

Live USD to JMD conversion comparision showing the best exchange rates available today

1 USD = 129.0633 JMD

1 JMD to USD = 0.0077

Provider Rate Notes Action

Best Independent Provider

Rational FX 		127.9017 Dealing Desk Quote. Rate can only be applied to transfers in excess of £2000 equivalent.

Best Bank Rate

Banks 		125.4495 Determined using data on spread charges supplied by IMTI Login to your online bank account

Worst Bank Rate

Banks 		124.5461 Determined using data on spread charges supplied by Money Mover and Accourt Login to your online bank account

Cash Delivery / Holiday Money

Travel FX 		127.9017 0% Commission

Airport Pickup

Moneycorp 		127.1274 Booking Online prior to pickup is the key to getting a good rate

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USD/JMD Live Chart and Data

Exchange Rate History For Converting US Dollar (USD) to Jamaican Dollar (JMD)

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Exchange Rate Today for Converting USD To JMD
Convert USD:
To JMD:		 1
129.0633		 10
1,290.6330		 50
6,453.1650		 100
12,906.3300		 500
64,531.6500		 1,000
129,063.3000
Convert USD:
To JMD:		 2,500
322,658.2500		 5,000
645,316.5000		 7,500
967,974.7500		 10,000
1,290,633.0000		 50,000
6,453,165.0000		 1,00,000
12,906,330.0000

Exchange Rate History for USD To JMD: 2017

January - 2017

SunMonTueWedThuFriSat
1

Open: 126.7150

Close: 126.4330

Mid: 125.7860

2

Open: 127.6610

Close: 128.4470

Mid: 128.0140

3

Open: 127.4610

Close: 127.9490

Mid: 127.8735

4

Open: 127.0000

Close: 126.0330

Mid: 126.5305

5

Open: 126.4410

Close: 125.1420

Mid: 125.7635

6

Open: 125.7540

Close: 126.7030

Mid: 126.1850

7

Open: 125.7540

Close: 126.7030

Mid: 126.1850

8

Open: 125.7540

Close: 126.7030

Mid: 126.1850

9

Open: 127.7490

Close: 127.2160

Mid: 127.5310

10

Open: 126.4570

Close: 126.7520

Mid: 126.2985

11

Open: 127.3970

Close: 126.9970

Mid: 127.5595

12

Open: 126.3480

Close: 126.1150

Mid: 125.8580

13

Open: 127.5730

Close: 127.2510

Mid: 127.3250

14

Open: 127.5730

Close: 127.2510

Mid: 127.3250

15

Open: 127.5730

Close: 127.2510

Mid: 127.3250

16

Open: 127.6590

Close: 127.7040

Mid: 127.5705

17

Open: 127.2780

Close: 126.0440

Mid: 126.6140

18

Open: 127.3040

Close: 128.2640

Mid: 127.7690

19

Open: 128.0170

Close: 127.5910

Mid: 127.9560

20

Open: 127.3510

Close: 126.8770

Mid: 127.2705

21

Open: 127.3510

Close: 126.8770

Mid: 127.2705

22

Open: 127.3510

Close: 126.8770

Mid: 127.2705

23

Open: 126.5070

Close: 125.8310

Mid: 126.2120

24

Open: 126.8790

Close: 127.2690

Mid: 127.0725

25

Open: 127.4870

Close: 127.2670

Mid: 127.3545

26

Open: 127.1370

Close: 127.9120

Mid: 127.5595

27

Open: 127.7660

Close: 127.5460

Mid: 127.6320

28

Open: 127.7660

Close: 127.5460

Mid: 127.6320

29

Open: 127.7660

Close: 127.5460

Mid: 127.6320

30

Open: 126.8810

Close: 127.1530

Mid: 127.3170

31

Open: 126.7860

Close: 125.6480

Mid: 126.1810

February - 2017

SunMonTueWedThuFriSat
1

Open: 126.6300

Close: 127.0340

Mid: 126.9810

2

Open: 127.5750

Close: 127.7090

Mid: 127.3000

3

Open: 127.8230

Close: 127.3710

Mid: 127.7605

4

Open: 127.8230

Close: 127.3710

Mid: 127.7605

5

Open: 127.8230

Close: 127.3710

Mid: 127.7605

6

Open: 126.5310

Close: 127.0720

Mid: 127.0285

7

Open: 127.1950

Close: 127.8950

Mid: 127.6515

8

Open: 127.1690

Close: 126.8930

Mid: 127.1825

9

Open: 126.2450

Close: 126.7580

Mid: 126.4635

10

Open: 127.1990

Close: 127.3640

Mid: 127.4105

11

Open: 127.1990

Close: 127.3640

Mid: 127.4105

12

Open: 127.1990

Close: 127.3640

Mid: 127.4105

13

Open: 127.0740

Close: 127.4200

Mid: 127.0865

14

Open: 127.6080

Close: 127.8360

Mid: 127.5900

15

Open: 127.7230

Close: 127.3840

Mid: 127.8340

16

Open: 126.6000

Close: 125.8050

Mid: 126.2130

17

Open: 126.6560

Close: 127.3560

Mid: 127.0270

18

Open: 126.6560

Close: 127.3560

Mid: 127.0270

19

Open: 126.6560

Close: 127.3560

Mid: 127.0270

20

Open: 127.4140

Close: 127.3860

Mid: 127.3055

21

Open: 127.2170

Close: 128.0270

Mid: 127.6535

22

Open: 127.0230

Close: 126.7690

Mid: 127.0365

23

Open: 126.3780

Close: 126.1280

Mid: 126.2610

24

Open: 126.6950

Close: 127.0120

Mid: 126.6575

25

Open: 126.6950

Close: 127.0120

Mid: 126.6575

26

Open: 126.6950

Close: 127.0120

Mid: 126.6575

27

Open: 127.5420

Close: 127.3300

Mid: 127.2665

28

Open: 127.0130

Close: 127.1580

Mid: 126.8525

March - 2017

SunMonTueWedThuFriSat
1

Open: 127.3700

Close: 127.6660

Mid: 127.6355

2

Open: 127.0440

Close: 127.5360

Mid: 127.3380

3

Open: 127.4120

Close: 126.0090

Mid: 126.7060

4

Open: 127.4120

Close: 126.0090

Mid: 126.7060

5

Open: 127.4120

Close: 126.0090

Mid: 126.7060

6

Open: 126.1860

Close: 126.4470

Mid: 126.1295

7

Open: 127.0400

Close: 127.2090

Mid: 127.0435

8

Open: 127.0530

Close: 127.3590

Mid: 127.1845

9

Open: 127.2120

Close: 126.7570

Mid: 126.8335

10

Open: 126.7730

Close: 125.7030

Mid: 126.0885

11

Open: 126.7730

Close: 125.7030

Mid: 126.0885

12

Open: 126.7730

Close: 125.7030

Mid: 126.0885

13

Open: 126.1000

Close: 126.4610

Mid: 126.1060

14

Open: 127.1970

Close: 127.7390

Mid: 127.4290

15

Open: 127.3030

Close: 125.7540

Mid: 126.4945

16

Open: 125.7050

Close: 125.4640

Mid: 125.7140

17

Open: 126.8650

Close: 127.1530

Mid: 126.9550

18

Open: 126.8650

Close: 127.1530

Mid: 126.9550

19

Open: 126.8650

Close: 127.1530

Mid: 126.9550

20

Open: 127.0670

Close: 126.9680

Mid: 126.8365

21

Open: 127.3090

Close: 126.5290

Mid: 126.9785

22

Open: 127.1790

Close: 127.3320

Mid: 127.2805

23

Open: 127.0460

Close: 127.1780

Mid: 127.1305

24

Open: 127.2640

Close: 127.1270

Mid: 127.1960

25

Open: 127.2640

Close: 127.1270

Mid: 127.1960

26

Open: 127.2640

Close: 127.1270

Mid: 127.1960

27

Open: 126.9480

Close: 126.6090

Mid: 126.5830

28

Open: 127.3100

Close: 127.9110

Mid: 127.6370

29

Open: 127.7470

Close: 128.2190

Mid: 128.0465

30

Open: 127.4900

Close: 128.5250

Mid: 127.9980

31

Open: 127.9950

Close: 128.1990

Mid: 127.9495

April - 2017

SunMonTueWedThuFriSat
1

Open: 127.9950

Close: 128.1990

Mid: 127.9495

2

Open: 127.9950

Close: 128.1990

Mid: 127.9495

3

Open: 127.4490

Close: 127.3670

Mid: 127.4480

4

Open: 127.0520

Close: 126.9930

Mid: 127.1900

5

Open: 126.8550

Close: 126.9910

Mid: 126.9870

6

Open: 127.2980

Close: 127.5210

Mid: 127.3745

7

Open: 127.4480

Close: 128.0870

Mid: 127.6915

8

Open: 127.4480

Close: 128.0870

Mid: 127.6915

9

Open: 127.4480

Close: 128.0870

Mid: 127.6915

10

Open: 127.7870

Close: 127.6300

Mid: 127.7105

11

Open: 127.1140

Close: 127.0330

Mid: 127.0140

12

Open: 128.2190

Close: 127.3780

Mid: 127.8245

13

Open: 127.4120

Close: 127.9370

Mid: 127.6115

14

Open: 128.3100

Close: 128.2900

Mid: 128.2115

15

Open: 128.3100

Close: 128.2900

Mid: 128.2115

16

Open: 128.3100

Close: 128.2900

Mid: 128.2115

17

Open: 127.6500

Close: 127.3100

Mid: 127.3815

18

Open: 127.3360

Close: 126.2940

Mid: 126.7995

19

Open: 126.5760

Close: 126.8780

Mid: 126.7560

20

Open: 127.5740

Close: 127.5020

Mid: 127.1805

21

Open: 127.6950

Close: 127.5730

Mid: 127.7415

22

Open: 127.6950

Close: 127.5730

Mid: 127.7415

23

Open: 127.6950

Close: 127.5730

Mid: 127.7415

24

Open: 124.9410

Close: 125.3740

Mid: 125.2690

25

Open: 127.2980

Close: 126.5870

Mid: 126.9095

26

Open: 126.7300

Close: 127.0840

Mid: 127.0700

27

Open: 127.2230

Close: 127.5980

Mid: 127.3560

28

Open: 127.6610

Close: 127.4650

Mid: 127.3335

29

Open: 127.6610

Close: 127.4650

Mid: 127.3335

30

Open: 127.6610

Close: 127.4650

Mid: 127.3335

May - 2017

SunMonTueWedThuFriSat
1

Open: 127.9520

Close: 128.0880

Mid: 128.0080

2

Open: 128.0950

Close: 127.6960

Mid: 127.9200

3

Open: 127.4650

Close: 127.9700

Mid: 127.6820

4

Open: 127.9030

Close: 126.7820

Mid: 127.3795

5

Open: 126.9960

Close: 126.8660

Mid: 127.1040

6

Open: 126.9960

Close: 126.8660

Mid: 127.1040

7

Open: 126.9960

Close: 126.8660

Mid: 127.1040

8

Open: 126.9220

Close: 128.0220

Mid: 127.4895

9

Open: 127.9140

Close: 128.4620

Mid: 128.1910

10

Open: 127.8700

Close: 127.9250

Mid: 127.8330

11

Open: 127.7700

Close: 127.8410

Mid: 127.7790

12

Open: 127.8570

Close: 127.0520

Mid: 127.4675

13

Open: 127.8570

Close: 127.0520

Mid: 127.4675

14

Open: 127.8570

Close: 127.0520

Mid: 127.4675

15

Open: 127.1830

Close: 126.6520

Mid: 126.8665

16

Open: 127.7610

Close: 126.5980

Mid: 127.0965

17

Open: 127.4850

Close: 126.6710

Mid: 127.0685

18

Open: 127.2760

Close: 127.9410

Mid: 127.6715

19

Open: 128.2260

Close: 127.0600

Mid: 127.6430

20

Open: 128.2260

Close: 127.0600

Mid: 127.6430

21

Open: 128.2260

Close: 127.0600

Mid: 127.6430

22

Open: 127.3780

Close: 127.0070

Mid: 127.2835

23

Open: 127.7450

Close: 128.4310

Mid: 127.9575

24

Open: 129.0520

Close: 128.5920

Mid: 128.8900

25

Open: 128.0820

Close: 128.1980

Mid: 128.0545

26

Open: 128.4750

Close: 128.8510

Mid: 128.6280

27

Open: 128.4750

Close: 128.8510

Mid: 128.6280

28

Open: 128.4750

Close: 128.8510

Mid: 128.6280

29

Open: 129.1390

Close: 129.1750

Mid: 129.0255

30

Open: 128.9040

Close: 128.6040

Mid: 128.9370

31

Open: 128.2940

Close: 127.6710

Mid: 128.0455

June - 2017

SunMonTueWedThuFriSat
1

Open: 128.2730

Close: 128.6900

Mid: 128.4645

2

Open: 128.8400

Close: 128.1020

Mid: 128.4535

3

Open: 128.8400

Close: 128.1020

Mid: 128.4535

4

Open: 128.8400

Close: 128.1020

Mid: 128.4535

5

Open: 128.0200

Close: 128.2390

Mid: 128.1835

6

Open: 128.5220

Close: 128.2720

Mid: 128.4345

7

Open: 128.3620

Close: 128.5600

Mid: 128.7200

8

Open: 128.1640

Close: 128.6840

Mid: 128.4045

9

Open: 128.4710

Close: 128.5610

Mid: 128.5040

10

Open: 128.4710

Close: 128.5610

Mid: 128.5040

11

Open: 128.4710

Close: 128.5610

Mid: 128.5040

12

Open: 127.9200

Close: 127.9000

Mid: 127.7860

13

Open: 128.3130

Close: 128.2170

Mid: 128.2795

14

Open: 128.1240

Close: 128.0220

Mid: 127.7235

15

Open: 128.0010

Close: 128.8050

Mid: 128.4060

16

Open: 128.4020

Close: 127.8030

Mid: 128.1065

17

Open: 128.4020

Close: 127.8030

Mid: 128.1065

18

Open: 128.4020

Close: 127.8030

Mid: 128.1065

19

Open: 127.8720

Close: 128.4820

Mid: 128.1405

20

Open: 128.8080

Close: 128.8830

Mid: 128.8355

21

Open: 128.3620

Close: 127.9760

Mid: 128.1930

22

Open: 128.0780

Close: 128.2820

Mid: 128.1885

23

Open: 128.4560

Close: 127.9740

Mid: 128.1585

24

Open: 128.4560

Close: 127.9740

Mid: 128.1585

25

Open: 128.4560

Close: 127.9740

Mid: 128.1585

26

Open: 127.9430

Close: 128.1200

Mid: 127.9515

27

Open: 128.1220

Close: 126.4380

Mid: 127.2255

28

Open: 127.2930

Close: 126.9610

Mid: 127.3015

29

Open: 127.9530

Close: 127.3010

Mid: 127.6215

30

Open: 127.7820

Close: 127.9340

Mid: 128.0245

July - 2017

SunMonTueWedThuFriSat
1

Open: 127.7820

Close: 127.9340

Mid: 128.0245

2

Open: 127.7820

Close: 127.9340

Mid: 128.0245

3

Open: 127.8060

Close: 128.4100

Mid: 128.1085

4

Open: 128.1470

Close: 128.3600

Mid: 128.2070

5

Open: 127.9420

Close: 127.7930

Mid: 127.9255

6

Open: 127.4820

Close: 126.7280

Mid: 127.2095

7

Open: 127.6540

Close: 127.8980

Mid: 127.7780

8

Open: 127.6540

Close: 127.8980

Mid: 127.7780

9

Open: 127.6540

Close: 127.8980

Mid: 127.7780

10

Open: 127.7570

Close: 127.7160

Mid: 127.7060

11

Open: 127.6760

Close: 126.8190

Mid: 127.2675

12

Open: 125.5650

Close: 126.2300

Mid: 125.8875

13

Open: 126.8520

Close: 126.9430

Mid: 126.7985

14

Open: 126.2370

Close: 125.4780

Mid: 125.8715

15

Open: 126.2370

Close: 125.4780

Mid: 125.8715

16

Open: 126.2370

Close: 125.4780

Mid: 125.8715

17

Open: 125.7710

Close: 125.8010

Mid: 125.9295

18

Open: 126.1990

Close: 125.4480

Mid: 125.6990

19

Open: 126.2300

Close: 126.6390

Mid: 126.4400

20

Open: 126.3740

Close: 125.0630

Mid: 125.7910

21

Open: 124.8920

Close: 124.6430

Mid: 124.7190

22

Open: 124.8920

Close: 124.6430

Mid: 124.7190

23

Open: 124.8920

Close: 124.6430

Mid: 124.7190

24

Open: 126.0340

Close: 126.2690

Mid: 126.1040

25

Open: 126.3140

Close: 126.2560

Mid: 125.9820

26

Open: 126.3520

Close: 125.4000

Mid: 126.0210

27

Open: 125.2010

Close: 125.8800

Mid: 125.4445

28

Open: 126.6320

Close: 125.8660

Mid: 126.1715

29

Open: 126.6320

Close: 125.8660

Mid: 126.1715

30

Open: 126.6320

Close: 125.8660

Mid: 126.1715

31

Open: 125.8350

Close: 124.8080

Mid: 125.4140

August - 2017

SunMonTueWedThuFriSat
1

Open: 125.0690

Close: 125.5470

Mid: 125.3635

2

Open: 126.2040

Close: 125.6490

Mid: 125.6960

3

Open: 125.9550

Close: 125.8310

Mid: 125.8965

4

Open: 125.9390

Close: 127.0070

Mid: 126.5835

5

Open: 125.9390

Close: 127.0070

Mid: 126.5835

6

Open: 125.9390

Close: 127.0070

Mid: 126.5835

7

Open: 127.3090

Close: 127.0440

Mid: 127.0750

8

Open: 126.2660

Close: 126.7710

Mid: 126.5350

9

Open: 127.0220

Close: 126.8520

Mid: 127.2395

10

Open: 125.9780

Close: 125.8310

Mid: 126.1180

11

Open: 125.8320

Close: 125.3640

Mid: 125.5790

12

Open: 125.8320

Close: 125.3640

Mid: 125.5790

13

Open: 125.8320

Close: 125.3640

Mid: 125.5790

14

Open: 125.7510

Close: 126.1680

Mid: 125.8890

15

Open: 126.5800

Close: 127.0050

Mid: 126.9750

16

Open: 126.3690

Close: 125.9730

Mid: 126.3865

17

Open: 125.4780

Close: 125.9570

Mid: 125.9125

18

Open: 126.1080

Close: 125.7670

Mid: 125.9250

19

Open: 126.1080

Close: 125.7670

Mid: 125.9250

20

Open: 126.1080

Close: 125.7670

Mid: 125.9250

21

Open: 126.1930

Close: 125.5950

Mid: 125.9695

22

Open: 125.7060

Close: 126.2750

Mid: 126.0260

23

Open: 126.2100

Close: 125.7450

Mid: 125.9880

24

Open: 126.0350

Close: 126.1520

Mid: 126.1190

25

Open: 126.5550

Close: 125.2740

Mid: 125.9505

26

Open: 126.5550

Close: 125.2740

Mid: 125.9505

27

Open: 126.5550

Close: 125.2740

Mid: 125.9505

28

Open: 125.0540

Close: 124.7310

Mid: 125.0250

29

Open: 125.9390

Close: 126.0880

Mid: 125.6615

30

Open: 127.1220

Close: 128.0060

Mid: 127.5160

31

Open: 127.2480

Close: 126.9760

Mid: 127.4135

September - 2017

SunMonTueWedThuFriSat
1

Open: 126.7440

Close: 127.3220

Mid: 126.6885

2

Open: 126.7440

Close: 127.3220

Mid: 126.6885

3

Open: 126.7440

Close: 127.3220

Mid: 126.6885

4

Open: 127.5550

Close: 127.4240

Mid: 127.3685

5

Open: 126.6020

Close: 126.3840

Mid: 126.4710

6

Open: 126.2770

Close: 126.3060

Mid: 126.1480

7

Open: 127.4730

Close: 126.4480

Mid: 126.8020

8

Open: 127.3930

Close: 127.3420

Mid: 127.0840

9

Open: 127.3930

Close: 127.3420

Mid: 127.0840

10

Open: 127.3930

Close: 127.3420

Mid: 127.0840

11

Open: 128.4530

Close: 129.0930

Mid: 128.6945

12

Open: 127.0430

Close: 126.9450

Mid: 127.0660

13

Open: 127.5850

Close: 128.5030

Mid: 127.9560

14

Open: 129.0150

Close: 128.6280

Mid: 129.0170

15

Open: 128.3940

Close: 128.2400

Mid: 128.1785

16

Open: 128.3940

Close: 128.2400

Mid: 128.1785

17

Open: 128.3940

Close: 128.2400

Mid: 128.1785

18

Open: 129.4740

Close: 129.2430

Mid: 129.3465

19

Open: 129.4110

Close: 128.9850

Mid: 129.1595

20

Open: 128.9380

Close: 130.0790

Mid: 129.4630

21

Open: 130.4720

Close: 129.8550

Mid: 130.2340

22

Open: 129.0630

Close: 129.0100

Mid: 128.7510

23
24
25
26
27
28
29
30

October - 2017

SunMonTueWedThuFriSat
1
2
3
4
5
6
7
8
9
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11
12
13
14
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16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31

November - 2017

SunMonTueWedThuFriSat
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

December - 2017

SunMonTueWedThuFriSat
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
For full historical data please visit: USD/JMD exchange rate history pages for the past 365 days
For full historical data please visit: USD/JMD exchange rate history pages for the year 2017 | 2016 | 2015 | 2014 | 2013 | 2012

>> Click Here for Other Currency Conversions

>> Ask FX professional George Cole at RationalFX for guidance on where the market is moving in 2017

USD News and Forecasts from Pound Sterling Live's Editorial Team

US Dollar: September PMI Surveys Do Little To Lift The Greenback's Mal…

The Dollar slid on Friday, giving back more of its earlier gains, while September's PMI...

The Dollar-Neutral Federal Reserve is Playing the Long-Term Game

US Federal Reserve maintains a steady and Dollar-Neutral approach to interest rate rises that is...

US Dollar to Rally from Scarcity in Second Half of 2017

 

No Game-Changer for the US Dollar: Reactions to the Federal Reserve's …

  The FOMC as good as announced a December rate hike in Wednesday's statement but cuts...

Pound-to-Dollar Reverses on US Federal Reserve Event, Key Resistance L…

While the GBP/USD outlook remains broadly positive, time for consolidation, triggered in part by the...

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Publications from the US Federal Reserve

Do Non-Compete Covenants Influence State Startup Activity? Evidence fr…

This paper examines how the enforceability of employee non-compete agreements affects the entry of new establishments and jobs created by these new firms. We use a panel of startup activity...

Recall and Unemployment

We document in the Survey of Income and Program Participation covering 1990- 2013 that a surprisingly large share of workers return to their previous employer after a jobless spell and...

LNG Markets Unleashed: How Texas Stands to Benefit

Snapshot: Employers' E-Verify Use Slows Growth of Unauthorized Workfor…

High Texas Student Loan Delinquency Rates Underscore Deeper Challenges

Texas student loan borrowers have lower debt balances but higher delinquencies than the national average. Debt loads have increased in recent years, further challenging Texas students, who are already more...

  • Texas Taxes: Who Bears the Burden?

    Texas’ reliance on sales and property taxes makes its revenue-raising methods more regressive than those in most other states. Texas lawmakers, facing increasing demands for services, confront a desire to…

  • President's Perspective

    Although Hurricane Harvey is likely to be among the most expensive natural disasters in U.S. history, we are highly optimistic that Houston and the surrounding area will successfully recover and…

  • On Interest Rate Policy and Asset Bubbles

    In a provocative paper, Galí (2014) showed that a policymaker who raises interest rates to rein in a potential bubble will only make a bubble bigger if one exists. This…

  • Financialization in Commodity Markets

    The financialization view is that increased trading in commodity futures markets is associated with increases in the growth rate and volatility of commodity spot prices. This view gained credence because…

  • The Effect of Fertility on Mothers’ Labor Supply over the Last Two Centuries

    This paper documents the evolving impact of childbearing on the work activity of mothers. Based on a compiled dataset of 441 censuses and surveys between 1787 and 2015, representing 103…

  • Inflation at the Household Level

    We use scanner data to estimate inflation rates at the household level. Households' inflation rates have an annual interquartile range of 6.2 to 9.0 percentage points. Most of the heterogeneity…

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