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67 resultsfor "APPROVAL REMOVAL"

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APPROVAL REMOVAL
APPROVAL REMOVAL
Service Mark
Word
REGISTERED
Owner:
Serial:97063038
Filed:Oct 7, 2021
Classes:41
Registration:7088107
Registered:Jun 20, 2023
Goods & Services
Educational services, namely, conducting informal on-line programs in the fields of psychology and self-help, and printable materials distributed therewith; Educational services, namely, providing classes, seminars, workshops, and lectures in the fields of psychology and self-help and distribution of course material in connection therewith; Educational and entertainment services, namely, providing motivational and educational speakers; Providing a website featuring blogs and non-downloadable publications in the nature of articles, videos, and educational information in the fields of psychology education and self-help education
APPROVAL CODE
APPROVAL CODE
Service Mark
Word
REGISTERED
Owner:
Serial:90374414
Filed:Dec 11, 2020
Classes:36
Registration:6498835
Registered:Sep 28, 2021
Goods & Services
Bill payment services; Bill payment services provided through a website; Credit card transaction processing services; Credit card transaction processing services provided via EMV, NFC and other transmission protocols; Credit and cash card payment processing services; Payment processing services in the field of credit card, ACH and other electronic payments; Payment processing services, namely, credit card and debit card transaction processing services; Payment and funds verification services; Payment verification services; Processing electronic payments made through prepaid cards; Processing of contactless credit and debit card payments; Processing of credit card payments; Processing of credit card payments via near field communication (NFC) technology-enabled devices; Processing of debit card payments; Processing of electronic wallet payments; Bill payment services provided via website, software or other applications; Charge card and credit card payment processing services; Check payment guarantee services; Credit card payment processing services; Cryptocurrency payment processing; Electronic credit card transaction processing; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Financial transaction services, namely, providing secure commercial transactions and payment options; Financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; Loyalty program payment processing services; Merchant services, namely, payment transaction processing services; Pre-paid purchase card services, namely, processing electronic payments made through prepaid cards; Pre-paid purchase card services, namely, processing electronic payments through pre-paid cards; Providing an internet website portal in the field of financial transaction and payment processing services; Providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing multiple payment options by means of customer-operated electronic terminals available on-site in retail stores; Rent payment services provided via website, software or other applications; Stored value prepaid card services, namely, processing electronic payments made through prepaid cards
APPROVAL OR REFUND
APPROVAL OR REFUND
Service Mark
Word
Supplemental
REGISTERED
Owner:
Serial:86150599
Filed:Dec 23, 2013
Classes:45
Registration:4557727
Registered:Jun 24, 2014
Goods & Services
Legal services; Legal services, namely, providing customized information, counseling, advice and litigation services in all areas of immigration law
APPROVAL PROMISE
APPROVAL PROMISE
Service Mark
Word
REGISTERED
Owner:
Serial:97304161
Filed:Mar 9, 2022
Classes:36
Registration:6839526
Registered:Sep 6, 2022
Goods & Services
Class 036: Loan financing; Loan origination services; Mortgage banking; Mortgage banking services, namely, origination, acquisition, servicing, securitization and brokerage of mortgage loans; Mortgage brokerage; Mortgage financing services; Mortgage lending; Mortgage procurement for others; Mortgage refinancing; Online banking; Online banking services accessible by means of downloadable mobile applications
APPROVAL STUDIO
APPROVAL STUDIO
Service Mark
Word
Supplemental
REGISTERED
Owner:
Serial:98893930
Filed:Dec 10, 2024
Classes:42
Registration:7893911
Registered:Aug 12, 2025
Goods & Services
Providing online non-downloadable software for proofing and approving designs in graphic files
APPROVALIGN
APPROVALIGN
Service Mark
Word
REGISTERED
Owner:
Serial:85726957
Filed:Sep 12, 2012
Classes:45
Registration:4373716
Registered:Jul 23, 2013
Goods & Services
REGULATORY COMPLIANCE CONSULTING IN THE FIELD OF HEALTHCARE WITH RESPECT TO OBTAINING CONSENTS AND PERMITS NECESSARY FOR CHANGE OF OWNERSHIP/OPERATOR OF HEALTH CARE FACILITIES AND BUSINESS
APPROVALIQ
APPROVALIQ
Service Mark
Word
REGISTERED
Owner:
Serial:97348340
Filed:Apr 5, 2022
Classes:36
Registration:7130328
Registered:Aug 8, 2023
Goods & Services
Providing online, non-downloadable software for use to qualify homebuyers for mortgage loans on properties listed for sale on online websites, as well as to compare listed properties across different real estate listing sites
APPROVALMAX
APPROVALMAX
Service Mark
Word
PENDING
Owner:
Serial:79429102
Filed:May 12, 2025
Classes:35, 36, 42
Goods & Services
Class 035: Accountancy; bookkeeping; auditing; billing services; accounts receivable billing services; administration, billing and reconciliation of accounts on behalf of others; business advisory services; business research services; preparation of tax returns; automated data processing; information, advisory and consultancy services relating to all services mentioned above.; Class 036: Financial administration services; financial payment services; automated payment services; electronic payment services; electronic processing of payments; electronic funds transfer services; electronic banking services; currency exchange services; tax and duty payment services; information, advisory and consultancy services relating to all services mentioned above.; Class 042: Software as a service (SaaS) services for accountancy, bookkeeping, auditing, billing services, accounts receivable billing services, administration of accounts on behalf of others, business advisory services, business research services, preparation of tax returns, financial administration services, financial payment services, automated payment services, electronic payment services, electronic processing of payments, electronic funds transfers services, electronic banking services, currency exchange services, tax and duty payment services, automation of data entry and / or automated data processing; platform as a service (PaaS) services for accountancy, bookkeeping, auditing, billing services, accounts receivable billing services, administration of accounts on behalf of others, business advisory services, business research services, preparation of tax returns, financial administration services, financial payment services, automated payment services, electronic payment services, electronic processing of payments, electronic funds transfers services, electronic banking services, currency exchange services, tax and duty payment services, automation of data entry and / or automated data processing; providing online non-downloadable software for use for accountancy, bookkeeping, auditing, billing services, accounts receivable billing services, administration of accounts on behalf of others, business advisory services, business research services, preparation of tax returns, financial administration services, financial payment services, automated payment services, electronic payment services, electronic processing of payments, electronic funds transfers services, electronic banking services, currency exchange services, tax and duty payment services, automation of data entry and / or automated data processing; information, advisory and consultancy services relating to all services mentioned above.
APPROVALNOW
APPROVALNOW
Service Mark
Word
REGISTERED
Owner:
Serial:75464991
Filed:Apr 9, 1998
Classes:36
Registration:2317200
Registered:Feb 8, 2000
Goods & Services
MORTGAGE LOAN FINANCING SERVICES
APPROVALSOFT
APPROVALSOFT
Trademark
Word
REGISTERED
Owner:
Serial:77121548
Filed:Mar 2, 2007
Classes:9
Registration:3923340
Registered:Feb 22, 2011
Goods & Services
Computer software for use in managing workflow in approving, routing and imaging accounting transactions and related electronic documents
APPROVALWISE
APPROVALWISE
Trademark
Word
PENDING
Owner:
Serial:97114688
Filed:Nov 8, 2021
Classes:9, 35, 42
Goods & Services
Downloadable computer software for manufacturing inventory management; downloadable computer software for production management; downloadable computer software for product repair and maintenance management; downloadable computer software for document management; downloadable database management software; downloadable computer software for optical character recognition; downloadable computer search engine software; downloadable software for use in accessing and searching online databases and websites; downloadable computer software for the management of sales; downloadable computer software for issuing, recording and verifying approvals of product regulatory compliance; downloadable computer software for blockchain data mining; downloadable computer software for developing, building, and operating Business to Business blockchain applications; downloadable computer software for interacting with blockchain platforms; downloadable computer software for preparing and submitting product regulatory compliance applications; downloadable computer software for managing, tracking and monitoring product regulatory compliance applications and approvals; downloadable computer software for managing, tracking and monitoring product regulatory compliance processes in targeted markets; Updating and maintenance of data in computer databases; systemization of data in computer databases; business management services relating to information and data compiling and analyzing; analysis of market research data and statistics for market research and operational decision-making; Design and development of computer software; software as a service (SAAS) services featuring software for use in regulatory data and databases for ensuring product regulatory compliance to targeted markets; software as a service (SAAS) services featuring computer software for use in inventory management; software as a service (SAAS) services featuring computer software for use in production management; software as a service (SAAS) services featuring computer software for use in product repair and maintenance management; software as a service (SAAS) services featuring computer software for use in document management; software as a service (SAAS) services, namely, hosting software for use by others for database management; software as a service (SAAS) services featuring computer software for use in optical character recognition; software as a service (SAAS) services featuring computer search engine software searching a database of information in the field of manufacturing; software as a service (SAAS) services featuring computer software for accessing and searching online databases and websites; software as a service (SAAS) services featuring computer software for use in the management of sales; software as a service (SAAS) services featuring computer software for issuing, recording and verifying approvals of product regulatory compliance; software as a service (SAAS) services featuring computer software for preparing and submitting product regulatory compliance applications; software as a service (SAAS) services featuring computer software for managing, tracking and monitoring product regulatory compliance applications and approvals; software as a service (SAAS) services featuring computer software for managing, tracking and monitoring product regulatory compliance processes in targeted markets; software as a service (SAAS) services, namely, hosting software for use by others for inventory management; cloud computing provider services for general storage of data, namely namely, cloud storage services for electronic data; electronic storage of approval records in the nature of an online, non-downloadable computer program
REMOVAL.AI
REMOVAL.AI
Service Mark
Word
REGISTERED
Owner:
Serial:90438109
Filed:Dec 31, 2020
Classes:42
Registration:6545507
Registered:Nov 2, 2021
Goods & Services
Software as a service (SAAS) services featuring software for which a user can upload a picture and remove the background of the picture
APPROVATRACK
APPROVATRACK
Service Mark
Word
REGISTERED
Owner:
Serial:85727326
Filed:Sep 12, 2012
Classes:35
Registration:4544223
Registered:Jun 3, 2014
Goods & Services
PREPARATION OF BUSINESS REPORTS ON THE STATUS OF OBTAINING CONSENTS AND PERMITS NECESSARY FOR CHANGE OF OWNERSHIP/OPERATOR OF HEALTH CARE FACILITIES AND BUSINESSES
APPROV
APPROV
Service Mark
Word
REGISTERED
Owner:
Serial:97428911
Filed:May 25, 2022
Classes:35
Registration:7099626
Registered:Jul 4, 2023
Goods & Services
Matching borrowers with potential lenders in the field of mortgage lending; Matching borrowers with potential lenders in the field of consumer and mortgage lending; Providing statistical information and indexes of mortgages, interests, and prices for others | Loan financing; Loan origination services; Loan origination services specializing in home mortgages, student loans, auto loans; Mortgage banking; Mortgage banking services, namely, origination, acquisition, servicing, securitization and brokerage of mortgage loans; Mortgage brokerage; Mortgage financing services; Mortgage foreclosure mitigation and loan default mitigation services, namely, acquisition and lease-back of real estate; Mortgage foreclosure services; Mortgage lending; Mortgage procurement for others; Mortgage refinancing; Mortgage services, namely, buyer pre-qualification of mortgages for mortgage brokers and banks; Mortgaging of securities for others; Advisory services relating to credit and debit control, investment, grants and financing of loans; Arranging of loans; Auto loan brokerage services; Cash flow services, namely, providing cash to mortgage holders or other notes at a discounted rate in return for ownership of the mortgage or note; Credit and loan services; Electronic loan origination services; Electronic loan preparation services; Financial loan consultation; Financial services, namely, loan default mitigation services; Financial services, namely, mortgage planning; Financial services, namely, mortgage refinancing; Financial services, namely, arranging of modified loan terms designed to prevent home foreclosure; Financial services, namely, corporate workout, debt restructuring, receivership, and loan resolution for commercial loans; Financial services, namely, issuance and management of certificates backed by loan portfolios which are subsequently managed to insure the integrity of the certificates; Financial services, namely, loss mitigation services for under- or non-performing mortgage loans; Financial services, namely, the purchase of residential mortgages on behalf of others and the issuance of mortgage-backed securities; Financial services, namely, vehicle title loans; Financing loans for commercial and residential properties, auto, boat; Financing and loan services; Financing of loans; Home equity loans; Installment loans; Instalment loans; Maintaining mortgage escrow accounts; Maintaining mortgage impound accounts; Maintaining escrow accounts for home mortgages; Processing mortgage insurance policy refunds; Providing loans secured by commercial paper; Providing personal loans and lines of credit; Providing post-compliance financial reviews for the mortgage industry; Providing student loan information; Providing student loans; Real estate services to stop foreclosure, namely, mortgage debt management; Revolving loans; Savings and loan associations; Savings and loan services; Student loan services
APPROVD
APPROVD
Service Mark
Word
TTAB
PENDING
Owner:
Serial:99178281
Filed:May 9, 2025
Classes:42
Goods & Services
User authentication services using technology for e-commerce transactions
APPROVD
APPROVD
Service Mark
Word
PENDING
Owner:
Serial:99576366
Filed:Jan 3, 2026
Classes:42
Goods & Services
Class 042: Software as a service (SAAS) services featuring software for identity and reputation verification, namely, creating and maintaining identity-verified user profiles; enabling third parties to verify a user’s identity by securely accessing and validating information associated with such identity-verified user profiles using unique access credentials communicated or presented online, by telephone, or in person; and providing application programming interface (API) access for identity verification and verified-status confirmation.
APPROVE
APPROVE
Service Mark
Combined
REGISTERED
Owner:
Serial:90205397
Filed:Sep 24, 2020
Classes:42
Registration:6385135
Registered:Jun 15, 2021
Goods & Services
Providing temporary use of on-line non-downloadable software development tools for [ equimpent ] * equipment * suppliers to offer financing to their customers; Providing a web hosting platform for [ equimpent ] * equipment * suppliers to offer financing to their customers; Providing temporary use of on-line non-downloadable software and applications for [ equimpent ] * equipment * suppliers to offer financing to their customers; Providing a web site featuring temporary use of non-downloadable software for [ equimpent ] * equipment * suppliers to offer financing to their customers
APPROVE OWL
APPROVE OWL
Trademark
Word
PENDING
Owner:
Serial:98374569
Filed:Jan 24, 2024
Classes:9
Goods & Services
Downloadable software for use in underwriting consumer loans; Downloadable software for use in digital automotive retailing
APPROVE OWL
APPROVE OWL
Service Mark
Word
REGISTERED
Owner:
Serial:90052010
Filed:Jul 14, 2020
Classes:42
Registration:6531865
Registered:Oct 19, 2021
Goods & Services
Software as a service (SAAS) services featuring software for underwriting consumer loans; providing on-line non-downloadable software for use in underwriting consumer loans
APPROVE WISELY
APPROVE WISELY
Service Mark
Word
REGISTERED
Owner:
Serial:90052023
Filed:Jul 14, 2020
Classes:42
Registration:6531866
Registered:Oct 19, 2021
Goods & Services
Software as a service (SAAS) services featuring software for underwriting consumer loans; providing on-line non-downloadable software for use in underwriting consumer loans
APPROVED
APPROVED
Service Mark
Combined
REGISTERED
Owner:
Serial:77960688
Filed:Mar 17, 2010
Classes:36
Registration:4107237
Registered:Mar 6, 2012
Goods & Services
Class 036: automobile financing services
APPROVED
APPROVED
Trademark
Word
REGISTERED
Owner:
Serial:73556214
Filed:Aug 30, 1985
Classes:16
Registration:1389862
Registered:Apr 15, 1986
Goods & Services
PUZZLE MAGAZINES
APPROVED
APPROVED
Service Mark
Word
REGISTERED
Owner:
Serial:88838781
Filed:Mar 18, 2020
Classes:45
Registration:6168286
Registered:Oct 6, 2020
Goods & Services
Non-medical in-home personal care services for assisting with daily living activities of the elderly, namely, bathing, showering, grooming, dressing, light housekeeping, meal preparation and personal mobility for the elderly; companionship services for the elderly; in-home support services to senior persons, namely, respite care services and geriatric care management services in the nature of the coordination of necessary services and personal care for the elderly
APPROVED
APPROVED
Service Mark
Word
REGISTERED
Owner:
Serial:97649655
Filed:Oct 26, 2022
Classes:35, 39
Registration:7006455
Registered:Mar 21, 2023
Goods & Services
Freight transportation by truck, rail, air, and ocean; Freight transportation consultation in the field of freight transportation by truck, rail, air and ocean; Trucking services, namely, hauling of freight; Warehousing services; Business management of logistics for others; Freight logistics management; Supply chain management services; Transportation logistics services, namely, arranging the transportation of goods for others
APPROVED
APPROVED
Service Mark
Word
REGISTERED
Owner:
Serial:86473702
Filed:Dec 8, 2014
Classes:39
Registration:4781815
Registered:Jul 28, 2015
Goods & Services
Freight and transport brokerage; Freight forwarding; Moving company services; Providing ocean transportation, storage and delivery services
APPROVED
APPROVED
Service Mark
Word
ITU
PENDING
Owner:
Serial:99007344
Filed:Jan 17, 2025
Classes:42
Goods & Services
Software as a Service (SAAS) featuring software for a license management system that allows users to prepare applications for new licenses and registrations, adjust or modify existing licenses and registrations, comply accurately and timely with periodic reporting requirements, and track related license and registration requirements to ensure compliance in all areas of governmental licensing and regulatory compliance for financial services and other businesses that require licensing or registration
APPROVED
APPROVED
Certification
Combined
PENDING
Owner:
Serial:90616606
Filed:Mar 31, 2021
Classes:
Goods & Services
Bowling equipment, apparatus, machinery and accessories; Bowling tournaments; Bowling centers; Manufacturing and maintenance by others of bowling equipment, apparatus and machinery; Installation and maintenance of bowling lanes
APPROVED BY NONNA
APPROVED BY NONNA
Trademark
Word
REGISTERED
Owner:
Serial:79419923
Filed:Mar 6, 2025
Classes:30
Registration:8112908
Registered:Jan 27, 2026
Goods & Services
Class 030: Edible sauce; salsa being condiments or sauces; condiments, namely, pepper sauce, pepper spread, pasta sauce, pesto sauce, chili oil, crushed chili, chili sauce, chili spread, tomato-based sauce, pizza sauce; sauces being condiments; food dressings being sauces; preservatives for food being salt; food pastes being spices
APPROVED CONTACT
APPROVED CONTACT
Service Mark
Word
REGISTERED
Owner:
Serial:85073028
Filed:Jun 28, 2010
Classes:35, 42
Registration:4425864
Registered:Oct 29, 2013
Goods & Services
Online business networking services; online advertising via a computer communications network; Platform as a service (PAAS) featuring a communications computer software platform for organization of information relating to potential business associates and communications between individuals and businesses via internet, telephone and email
APPROVED EXPERIENCES
APPROVED EXPERIENCES
Service Mark
Word
REGISTERED
Owner:
Serial:97008299
Filed:Sep 2, 2021
Classes:45
Registration:6965639
Registered:Jan 24, 2023
Goods & Services
Class 045: Personal concierge services for others comprising making requested personal arrangements and reservations and providing customer-specific information to meet individual needs
APPROVED JETS
APPROVED JETS
Service Mark
Word
REGISTERED
Owner:
Serial:97008275
Filed:Sep 2, 2021
Classes:45
Registration:6965638
Registered:Jan 24, 2023
Goods & Services
Class 045: Personal concierge services for others comprising making requested personal arrangements and reservations and providing customer-specific information to meet individual needs
APPROVED MORTGAGE
APPROVED MORTGAGE
Service Mark
Word
Supplemental
REGISTERED
Owner:
Serial:88230398
Filed:Dec 14, 2018
Classes:36
Registration:6186874
Registered:Oct 27, 2020
Goods & Services
Class 036: Mortgage banking; Financial services, namely, mortgage lending
APPROVED PERFORMANCE
APPROVED PERFORMANCE
Service Mark
Word
REGISTERED
Owner:
Serial:88921146
Filed:May 18, 2020
Classes:35
Registration:6226283
Registered:Dec 22, 2020
Goods & Services
Class 035: On-line wholesale store services featuring Automotive Replacement Parts and Supplies, Brake Parts, CV Axle Shafts, Brake Rotors, Brake Pads, Brake Hardware, Wheel Hub Bearings, Automotive Replacement Lighting, Motor Cycle Replacement Parts
APPROVED TO MOVE PLUS
APPROVED TO MOVE PLUS
Service Mark
Word
REGISTERED
Owner:
Serial:97910884
Filed:Apr 27, 2023
Classes:36
Registration:7505345
Registered:Sep 17, 2024
Goods & Services
Financial advice; Financial planning; Mortgage lending; Providing financial information; "APPROVED TO MOVE"
APPROVED. APPROVED. APPROVED.
REGISTERED
Owner:
Serial:77706323
Filed:Apr 3, 2009
Classes:36
Registration:3698633
Registered:Oct 20, 2009
Goods & Services
automobile financing services
APPROVEDCASH.COM
APPROVEDCASH.COM
Service Mark
Word
REGISTERED
Owner:
Serial:88943511
Filed:Jun 2, 2020
Classes:35, 36
Registration:6237513
Registered:Jan 5, 2021
Goods & Services
General business networking referral services, namely, promoting the goods and services of others by passing business leads and referrals among group members; Promoting the goods and services of others through search engine referral traffic analysis and reporting; Providing a searchable online advertising website and informational guide featuring the goods and services of other vendors via the internet in the field of lending; Providing a searchable online advertising website and informational guide featuring the goods and services of other vendors via the internet in the field of loans; Providing consumer information in the field of lending; Providing consumer information in the field of loans; Providing demand creation and lead generation activities and services | Financial information; Providing financial information
APPROVELY
APPROVELY
Service Mark
Word
REGISTERED
Owner:
Serial:88640134
Filed:Oct 3, 2019
Classes:36
Registration:6092629
Registered:Jun 30, 2020
Goods & Services
Payment processing services in the field of merchant payments; Payment processing services, namely, credit card and debit card transaction processing services; Processing electronic payments made through prepaid cards; Processing of contactless credit and debit card payments; Processing of credit card payments; Processing of credit card payments via near field communication (NFC) technology-enabled devices; Processing of debit card payments; Charge card and credit card payment processing services; Credit and cash card payment processing services; Credit card payment processing services; Electronic payment services involving electronic processing and subsequent transmission of bill payment data; Electronic foreign exchange payment processing; Loyalty coupon payment processing services; Loyalty program payment processing services; Merchant services, namely, payment transaction processing services; Online, real-time tax payment processing, tax payment financial management, and tax payment financial analysis services; Pre-paid purchase card services, namely, processing electronic payments made through prepaid cards; Pre-paid purchase card services, namely, processing electronic payments through pre-paid cards; Providing an internet website portal in the field of financial transaction and payment processing services; Providing electronic processing of ACH and credit card transactions and electronic payments via a global computer network; Providing electronic processing of credit card transactions and electronic payments via a global computer network; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; Providing information regarding policy rates for all types of insurance and electronic processing of insurance claims and payment data over a web based computer network; Stored value prepaid card services, namely, processing electronic payments made through prepaid cards
APPROVEME.COM
APPROVEME.COM
Service Mark
Word
REGISTERED
Owner:
Serial:90095739
Filed:Aug 5, 2020
Classes:42
Registration:6384562
Registered:Jun 15, 2021
Goods & Services
Software-as-a-Service (SaaS) services, namely, providing online non-downloadable computer software and temporary use of web-based computer software for use by organizations to manage procurement operations, electronic signature and workflows
APPROVESHIELD
APPROVESHIELD
Service Mark
Word
REGISTERED
Owner:
Serial:97641962
Filed:Oct 21, 2022
Classes:42
Registration:7395504
Registered:May 28, 2024
Goods & Services
Providing a website featuring non-downloadable software for viewing prospective tenant background screening and application information verification reports | Providing prospective tenant background investigative screening for multi-unit residential properties; background investigation services, namely, application information verification services for multi-unit residential properties; background investigation services, namely, electronic verification of personal information provided on prospective tenant lease applications in multi-unit residential properties.
APPROVIA
APPROVIA
Service Mark
Word
ITU
PENDING
Owner:
Serial:99060119
Filed:Feb 27, 2025
Classes:42
Goods & Services
software as a service for the review and approval of complex compliance decisions between cross-functional business units in regulated industries