
Virtual Care Global Market Report 2025
Description
Virtual Care Global Market Report 2025 from The Business Research Company provides strategists, marketers and senior management with the critical information they need to assess the market.
This report focuses on virtual care market which is experiencing strong growth. The report gives a guide to the trends which will be shaping the market over the next ten years and beyond.
Reasons to Purchase
Gain a truly global perspective with the most comprehensive report available on this market covering 15 geographies. Assess the impact of key macro factors such as geopolitical conflicts, trade policies and tariffs, post-pandemic supply chain realignment, inflation and interest rate fluctuations, and evolving regulatory landscapes. Create regional and country strategies on the basis of local data and analysis. Identify growth segments for investment. Outperform competitors using forecast data and the drivers and trends shaping the market. Understand customers based on the latest market shares. Benchmark performance against key competitors. Suitable for supporting your internal and external presentations with reliable high quality data and analysis Report will be updated with the latest data and delivered to you within 2-3 working days of order along with an Excel data sheet for easy data extraction and analysis. All data from the report will also be delivered in an excel dashboard format.
Description:
Where is the largest and fastest growing market for virtual care ? How does the market relate to the overall economy, demography and other similar markets? What forces will shape the market going forward, including technological disruption, regulatory shifts, and changing consumer preferences? The virtual care market global report from the Business Research Company answers all these questions and many more.
The report covers market characteristics, size and growth, segmentation, regional and country breakdowns, competitive landscape, market shares, trends and strategies for this market. It traces the market’s historic and forecast market growth by geography.
The market characteristics section of the report defines and explains the market. The market size section gives the market size ($b) covering both the historic growth of the market, and forecasting its development. The forecasts are made after considering the major factors currently impacting the market. These include: The forecasts are made after considering the major factors currently impacting the market. These include the technological advancements such as AI and automation, Russia-Ukraine war, trade tariffs (government-imposed import/export duties), elevated inflation and interest rates. Market segmentations break down the market into sub markets. The regional and country breakdowns section gives an analysis of the market in each geography and the size of the market by geography and compares their historic and forecast growth. The competitive landscape chapter gives a description of the competitive nature of the market, market shares, and a description of the leading companies. Key financial deals which have shaped the market in recent years are identified. The trends and strategies section analyses the shape of the market as it emerges from the crisis and suggests how companies can grow as the market recovers.
Scope
Markets Covered:1) By Component: Hardware; Software; Services
2) By Consultation Type: Video Consultation; Audio Consultation; Messaging
3) By Technology Type: Video Conferencing; Wearable Devices; Mobile Health Applications; Health Information Systems; Remote Monitoring Devices
4) By Application: Diagnostics; Therapeutics; Monitoring And Consultation; Preventive Care; Rehabilitation Services; Other Applications
5) By End User: Patients; Healthcare Providers; Government Organizations; Corporate Wellness Programs; Other End Users
Subsegments:
1) By Hardware: Wearable Devices; Remote Patient Monitoring Devices; Telecommunication Devices; Diagnostic Devices
2) By Software: Telehealth Platforms; Mobile Health Applications; Virtual Consultation Software; Remote Monitoring Software
3) By Services: Remote Patient Monitoring Services; Teleconsultation Services; Technical Support And Maintenance; Training And Implementation Services
Companies Mentioned: Medtronic plc; Siemens Healthcare GmbH; Koninklijke Philips N.V.; GE Healthcare Limited; Teladoc Health Inc.; Comarch S.A.; American Well Corporation; MDLive Inc.; Doctor on Demand Inc.; Talkspace Inc.; AMC Health Inc.; 98point6 Technologies; Altibbi Inc.; GlobalMed Inc.; Binah.ai Ltd.; InTouch Health Inc.; Vivify Health Inc.; VSee Lab Inc.; Biotricity Inc.; eVisit Inc.; Aerotel Medical Systems Ltd.; Chiron Health Inc.
Countries: Australia; Brazil; China; France; Germany; India; Indonesia; Japan; Russia; South Korea; UK; USA; Canada; Italy; Spain.
Regions: Asia-Pacific; Western Europe; Eastern Europe; North America; South America; Middle East; Africa
Time Series: Five years historic and ten years forecast.
Data: Ratios of market size and growth to related markets, GDP proportions, expenditure per capita,
Data Segmentations: country and regional historic and forecast data, market share of competitors, market segments.
Sourcing and Referencing: Data and analysis throughout the report is sourced using end notes.
Delivery Format: PDF, Word and Excel Data Dashboard.
Please Note: Report will be updated with the latest data and delivered to you within 3-5 working days of order.
This report focuses on virtual care market which is experiencing strong growth. The report gives a guide to the trends which will be shaping the market over the next ten years and beyond.
Reasons to Purchase
Description:
Where is the largest and fastest growing market for virtual care ? How does the market relate to the overall economy, demography and other similar markets? What forces will shape the market going forward, including technological disruption, regulatory shifts, and changing consumer preferences? The virtual care market global report from the Business Research Company answers all these questions and many more.
The report covers market characteristics, size and growth, segmentation, regional and country breakdowns, competitive landscape, market shares, trends and strategies for this market. It traces the market’s historic and forecast market growth by geography.
Scope
Markets Covered:1) By Component: Hardware; Software; Services
2) By Consultation Type: Video Consultation; Audio Consultation; Messaging
3) By Technology Type: Video Conferencing; Wearable Devices; Mobile Health Applications; Health Information Systems; Remote Monitoring Devices
4) By Application: Diagnostics; Therapeutics; Monitoring And Consultation; Preventive Care; Rehabilitation Services; Other Applications
5) By End User: Patients; Healthcare Providers; Government Organizations; Corporate Wellness Programs; Other End Users
Subsegments:
1) By Hardware: Wearable Devices; Remote Patient Monitoring Devices; Telecommunication Devices; Diagnostic Devices
2) By Software: Telehealth Platforms; Mobile Health Applications; Virtual Consultation Software; Remote Monitoring Software
3) By Services: Remote Patient Monitoring Services; Teleconsultation Services; Technical Support And Maintenance; Training And Implementation Services
Companies Mentioned: Medtronic plc; Siemens Healthcare GmbH; Koninklijke Philips N.V.; GE Healthcare Limited; Teladoc Health Inc.; Comarch S.A.; American Well Corporation; MDLive Inc.; Doctor on Demand Inc.; Talkspace Inc.; AMC Health Inc.; 98point6 Technologies; Altibbi Inc.; GlobalMed Inc.; Binah.ai Ltd.; InTouch Health Inc.; Vivify Health Inc.; VSee Lab Inc.; Biotricity Inc.; eVisit Inc.; Aerotel Medical Systems Ltd.; Chiron Health Inc.
Countries: Australia; Brazil; China; France; Germany; India; Indonesia; Japan; Russia; South Korea; UK; USA; Canada; Italy; Spain.
Regions: Asia-Pacific; Western Europe; Eastern Europe; North America; South America; Middle East; Africa
Time Series: Five years historic and ten years forecast.
Data: Ratios of market size and growth to related markets, GDP proportions, expenditure per capita,
Data Segmentations: country and regional historic and forecast data, market share of competitors, market segments.
Sourcing and Referencing: Data and analysis throughout the report is sourced using end notes.
Delivery Format: PDF, Word and Excel Data Dashboard.
Please Note: Report will be updated with the latest data and delivered to you within 3-5 working days of order.
Table of Contents
250 Pages
- 1. Executive Summary
- 2. Virtual Care Market Characteristics
- 3. Virtual Care Market Trends And Strategies
- 4. Virtual Care Market - Macro Economic Scenario Including The Impact Of Interest Rates, Inflation, Geopolitics, Trade Wars and Tariffs, And Covid And Recovery On The Market
- 5. Global Virtual Care Growth Analysis And Strategic Analysis Framework
- 5.1. Global Virtual Care PESTEL Analysis (Political, Social, Technological, Environmental and Legal Factors, Drivers and Restraints)
- 5.2. Analysis Of End Use Industries
- 5.3. Global Virtual Care Market Growth Rate Analysis
- 5.4. Global Virtual Care Historic Market Size and Growth, 2019 - 2024, Value ($ Billion)
- 5.5. Global Virtual Care Forecast Market Size and Growth, 2024 - 2029, 2034F, Value ($ Billion)
- 5.6. Global Virtual Care Total Addressable Market (TAM)
- 6. Virtual Care Market Segmentation
- 6.1. Global Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- Hardware
- Software
- Services
- 6.2. Global Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- Video Consultation
- Audio Consultation
- Messaging
- 6.3. Global Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- Video Conferencing
- Wearable Devices
- Mobile Health Applications
- Health Information Systems
- Remote Monitoring Devices
- 6.4. Global Virtual Care Market, Segmentation By Application, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- Diagnostics
- Therapeutics
- Monitoring And Consultation
- Preventive Care
- Rehabilitation Services
- Other Applications
- 6.5. Global Virtual Care Market, Segmentation By End User, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- Patients
- Healthcare Providers
- Government Organizations
- Corporate Wellness Programs
- Other End Users
- 6.6. Global Virtual Care Market, Sub-Segmentation Of Hardware, By Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- Wearable Devices
- Remote Patient Monitoring Devices
- Telecommunication Devices
- Diagnostic Devices
- 6.7. Global Virtual Care Market, Sub-Segmentation Of Software, By Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- Telehealth Platforms
- Mobile Health Applications
- Virtual Consultation Software
- Remote Monitoring Software
- 6.8. Global Virtual Care Market, Sub-Segmentation Of Services, By Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- Remote Patient Monitoring Services
- Teleconsultation Services
- Technical Support And Maintenance
- Training And Implementation Services
- 7. Virtual Care Market Regional And Country Analysis
- 7.1. Global Virtual Care Market, Split By Region, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 7.2. Global Virtual Care Market, Split By Country, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 8. Asia-Pacific Virtual Care Market
- 8.1. Asia-Pacific Virtual Care Market Overview
- Region Information, Market Information, Background Information, Government Initiatives, Regulations, Regulatory Bodies, Major Associations, Taxes Levied, Corporate Tax Structure, Investments, Major Companies
- 8.2. Asia-Pacific Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 8.3. Asia-Pacific Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 8.4. Asia-Pacific Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 9. China Virtual Care Market
- 9.1. China Virtual Care Market Overview
- 9.2. China Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F,$ Billion
- 9.3. China Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F,$ Billion
- 9.4. China Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F,$ Billion
- 10. India Virtual Care Market
- 10.1. India Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 10.2. India Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 10.3. India Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 11. Japan Virtual Care Market
- 11.1. Japan Virtual Care Market Overview
- 11.2. Japan Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 11.3. Japan Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 11.4. Japan Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 12. Australia Virtual Care Market
- 12.1. Australia Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 12.2. Australia Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 12.3. Australia Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 13. Indonesia Virtual Care Market
- 13.1. Indonesia Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 13.2. Indonesia Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 13.3. Indonesia Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 14. South Korea Virtual Care Market
- 14.1. South Korea Virtual Care Market Overview
- 14.2. South Korea Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 14.3. South Korea Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 14.4. South Korea Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 15. Western Europe Virtual Care Market
- 15.1. Western Europe Virtual Care Market Overview
- 15.2. Western Europe Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 15.3. Western Europe Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 15.4. Western Europe Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 16. UK Virtual Care Market
- 16.1. UK Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 16.2. UK Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 16.3. UK Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 17. Germany Virtual Care Market
- 17.1. Germany Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 17.2. Germany Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 17.3. Germany Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 18. France Virtual Care Market
- 18.1. France Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 18.2. France Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 18.3. France Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 19. Italy Virtual Care Market
- 19.1. Italy Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 19.2. Italy Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 19.3. Italy Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 20. Spain Virtual Care Market
- 20.1. Spain Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 20.2. Spain Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 20.3. Spain Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 21. Eastern Europe Virtual Care Market
- 21.1. Eastern Europe Virtual Care Market Overview
- 21.2. Eastern Europe Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 21.3. Eastern Europe Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 21.4. Eastern Europe Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 22. Russia Virtual Care Market
- 22.1. Russia Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 22.2. Russia Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 22.3. Russia Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 23. North America Virtual Care Market
- 23.1. North America Virtual Care Market Overview
- 23.2. North America Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 23.3. North America Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 23.4. North America Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 24. USA Virtual Care Market
- 24.1. USA Virtual Care Market Overview
- 24.2. USA Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 24.3. USA Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 24.4. USA Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 25. Canada Virtual Care Market
- 25.1. Canada Virtual Care Market Overview
- 25.2. Canada Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 25.3. Canada Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 25.4. Canada Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 26. South America Virtual Care Market
- 26.1. South America Virtual Care Market Overview
- 26.2. South America Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 26.3. South America Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 26.4. South America Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 27. Brazil Virtual Care Market
- 27.1. Brazil Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 27.2. Brazil Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 27.3. Brazil Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 28. Middle East Virtual Care Market
- 28.1. Middle East Virtual Care Market Overview
- 28.2. Middle East Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 28.3. Middle East Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 28.4. Middle East Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 29. Africa Virtual Care Market
- 29.1. Africa Virtual Care Market Overview
- 29.2. Africa Virtual Care Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 29.3. Africa Virtual Care Market, Segmentation By Consultation Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 29.4. Africa Virtual Care Market, Segmentation By Technology Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
- 30. Virtual Care Market Competitive Landscape And Company Profiles
- 30.1. Virtual Care Market Competitive Landscape
- 30.2. Virtual Care Market Company Profiles
- 30.2.1. Medtronic plc Overview, Products and Services, Strategy and Financial Analysis
- 30.2.2. Siemens Healthcare GmbH Overview, Products and Services, Strategy and Financial Analysis
- 30.2.3. Koninklijke Philips N.V. Overview, Products and Services, Strategy and Financial Analysis
- 30.2.4. GE Healthcare Limited Overview, Products and Services, Strategy and Financial Analysis
- 30.2.5. Teladoc Health Inc. Overview, Products and Services, Strategy and Financial Analysis
- 31. Virtual Care Market Other Major And Innovative Companies
- 31.1. Comarch S.A.
- 31.2. American Well Corporation
- 31.3. MDLive Inc.
- 31.4. Doctor on Demand Inc.
- 31.5. Talkspace Inc.
- 31.6. AMC Health Inc.
- 31.7. 98point6 Technologies
- 31.8. Altibbi Inc.
- 31.9. GlobalMed Inc.
- 31.10. Binah.ai Ltd.
- 31.11. InTouch Health Inc.
- 31.12. Vivify Health Inc.
- 31.13. VSee Lab Inc.
- 31.14. Biotricity Inc.
- 31.15. eVisit Inc.
- 32. Global Virtual Care Market Competitive Benchmarking And Dashboard
- 33. Key Mergers And Acquisitions In The Virtual Care Market
- 34. Recent Developments In The Virtual Care Market
- 35. Virtual Care Market High Potential Countries, Segments and Strategies
- 35.1 Virtual Care Market In 2029 - Countries Offering Most New Opportunities
- 35.2 Virtual Care Market In 2029 - Segments Offering Most New Opportunities
- 35.3 Virtual Care Market In 2029 - Growth Strategies
- 35.3.1 Market Trend Based Strategies
- 35.3.2 Competitor Strategies
- 36. Appendix
- 36.1. Abbreviations
- 36.2. Currencies
- 36.3. Historic And Forecast Inflation Rates
- 36.4. Research Inquiries
- 36.5. The Business Research Company
- 36.6. Copyright And Disclaimer
Pricing
Currency Rates
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