kin insurance spac presentation

Kin Insurance, a provider of direct-to-consumer insurance solutions, has carved a niche for itself in the industry by making affordable home insurance accessible to customers. opens in new window, Ad Age: Florida Man start in new Kin Insurance campaign Kin operates across Florida, Louisiana and California, and is stepping up its move into new markets with the acquisition of an inactive insurance carrier that holds licenses in more than 40 states. Kins low cost structure, fast reaction time and data advantage enable Kin to adapt better to the increasingly volatile weather occurring throughout the country as the climate warms. opens in new window, Kin Insurance announces condo insurance in Florida Please visit Kins investor relations website investor.kin.com to access the webcast. opens in new window, Chicago Inno: Facing legacy insurance giants, Chicago upstart Kin gains popularity with homeowners Built In Chicago is the online community for Chicago startups and tech companies. "Access to affordable home insurance is challenging in regions that are impacted by climate change and severe weather; at Kin, our proprietary technology and deep data advantage enables us to best evaluate risk and price home insurance fairly for consumers," the company said in a statement. opens in new window, Business Insider: Home warranty vs. homeowners insurance As an admitted product, especially in Florida, I found this comment surprising. Bloomberg Daybreak Middle East. And that is very compelling. The agreement. There are definitely things that a legacy carrier could learn from Kin. | Insurance technology (InsurTech) company Kin is merging with the special purpose acquisition company (SPAC) Omnichannel Acquisition Corp. to go public on the NYSE under the ticker symbol. Omnichannel Acquisition Corp. (NYSE:OCA) and direct-to-consumer homeowners insurance technology company Kin Insurance announced this afternoon that they have opted to mutually terminate their business combination agreement. The investor presentation lays out Kin Insurance as being built for the digital era with competitors stuck in the past. opens in new window, Bloomberg: Kin Insurance to go public via Matt Higgins SPAC deal Were always on the lookout for opportunities to partner with innovators and disruptors. We save you countless hours of wasted time and false starts. opens in new window, Kin named one of Tracxn's "Top Emerging Internet First Insurance Startups" opens in new window, Kin Interinsurance Nexus earns Financial Stability Rating of A, Exceptional, from Demotech Before making any voting or investment decision, investors and security holders are urged to read the registration statement, the proxy statement/prospectus and all other relevant documents filed or that will be filed with the SEC in connection with the proposed Business Combination as they become available because they will contain important information about the proposed transaction. Kin signed an agreement to acquire an inactive insurance carrier with licenses in over 40 states, bringing the unicorn one step closer to national expansion. opens in new window, Insurtech startup Kin Insurance continues to expand its capacity to serve Florida residents The Boards of Directors of each of Omnichannel and Kin approved the transaction. opens in new window, NerdWallet: The best home insurance companies for 2022 That notwithstanding, they use data specifically to enhance their acquisition and book performance. opens in new window, Forbes: How solving real problems is a competitive advantage in todays world Access to affordable home insurance is challenging in regions that are impacted by climate change and severe weather; at Kin, our proprietary technology and deep data advantage enable us to best evaluate risk and price home insurance fairly for consumers, he added. Kin is the only pure-play direct-to-consumer digital insurer focused on the complex and growing $100+ billion homeowners insurance market. Kins success has been primarily in markets where carriers were less interested in writing policies like FL, LA, and to a lesser extent CA. During the call, they mentioned the capability to dynamically adjust premiums depending on the weather. Get this delivered to your inbox, and more info about our products and services. opens in new window, Bankrate: Factors that impact your home insurance rate opens in new window, Kin Insurance receives Chicago honors for its talent and workplace culture He cited his teams expertise with customer acquisition -- such as with the use of micro-influencers -- as a mechanism to accelerate growth at Kin, which benefited from increased e-commerce adoption throughout the pandemic. opens in new window, Benzinga: Top 10 insurtech influencers opens in new window, USA Today: The tech bubble has burst, experts say, but you might be able to pick up some discounts opens in new window, Kin Insurance grows total written premium by 287% year-over-year in second quarter 2021 Data, Artifical opens in new window, Benzinga: Omnichannel acquisition partner Kin Insurance reports triple digit growth in Q3 Kin offers a D2C platform that helps homeowners purchase insurance within minutes, and offers a more convenient way to complete tasks like making changes to their insurance policies or filing a claim. opens in new window, Kin Insurance expands into California to serve homeowners statewide Focus on the claims experience by responding proactively and in real time through SMS, messaging, and other means. opens in new window, TechCrunch: Live near an ocean? Matt Higgins, Chairman and CEO of Omnichannel, who also co-teaches a course on digitally native brands at Harvard Business School., The Omni team is already hard at work helping elevate Kins brand presence, expanding Kins acquisition channels and layering in the most cutting-edge acquisition tactics.. Interestingly, the SPAC is supported by celebrities such as NBA superstar Draymond Green, golf pro Rory Mcllroy, and cosmetics guru Bobbie Brown, who said that Kin, like her, would reinvent a market. opens in new window, Actuarial Review: Going insurtech You should carefully consider the foregoing factors and the other risks and uncertainties described in the Risk Factors section of Omnichannels Annual Report on Form 10-K, and other documents filed by Omnichannel from time to time with the SEC and the registration statement on Form S-4 and proxy statement/prospectus discussed above. opens in new window, VentureBeat: Kin raises $47 million and launches homeowner insurance carrier in disaster-prone areas Index, Data They are doing this by merging with the Omnichannel Acquisition Corp SPAC. opens in new window, Kin Insurance maintains steady year-over-year growth in third quarter, increasing 151% year-to-date This also enables it to operate in markets that are subject to growing weather volatility as a result of climate change. opens in new window, Business Insider: Insurtech disrupters: Heres what full-stack insurtechs are doing to beat incumbents opens in new window, Kin Insurance, Inc. and Omnichannel Acquisition Corp. mutually agree to terminate business combination agreement opens in new window, Built In: Kin Insurance secures $82M for its D2C home insurance platform opens in new window, Forbes: 10 startups leading the way in customer experience Investors and security holders will be able to obtain free copies of the registration statement, proxy statement/prospectus and all other relevant documents filed or that will be filed with the SEC by Omnichannel through the website maintained by the SEC at www.sec.gov. These factors include, but are not limited to: (1) the occurrence of any event, change or other circumstances that could give rise to the termination of the transaction agreement and the proposed Business Combination contemplated thereby; (2) the inability to complete the transactions contemplated by the transaction agreement due to the failure to obtain approval of the stockholders of Omnichannel or other conditions to closing in the transaction agreement; (3) the ability to meet the NYSEs listing standards following the consummation of the transactions contemplated by the transaction agreement; (4) the risk that the proposed transaction disrupts current plans and operations of Kin as a result of the announcement and consummation of the transactions described herein; (5) the ability to recognize the anticipated benefits of the proposed Business Combination, which may be affected by, among other things, competition, the ability of the combined company to grow and manage growth profitably, maintain relationships with customers and suppliers and retain its management and key employees; (6) costs related to the proposed Business Combination; (7) changes in applicable laws or regulations; and (8) the possibility that Kin may be adversely affected by other economic, business, and/or competitive factors. opens in new window, Washington Post: Eight tips for buying homeowners insurance Get comfortable with rejection, Built In: How these 7 Chicago tech companies found their product-market fit, Forbes: Fintech startups: Plan for your customers emotional realities, Built In: Home insurtech startup Kin raises $35M plans to hire 100 people, Crains Chicago Business: Insurance startup Kin raises another $35 million, Forbes: The importance of humans in fintech, Forbes: How to sell value to price-sensitive customers, Forbes: The counterintuitive advantage of a beginners mindset, Built In: The lessons 5 founders learned going from startup to growth company, Forbes: 10 startups leading the way in customer experience, Forbes: How vertical integration prevents existential threats to your business, Business Insider: Insurtech disrupters: Heres what full-stack insurtechs are doing to beat incumbents, American Inno: 12 biggest Chicago startup fundings of 2019, Business Insider: These are the biggest fintech winners of 2019, Business Insider: Insurtech disruptors report. The home insurance industry has been coasting for years on legacy technology and an antiquated way of interacting with customers. Kin,. opens in new window, Forbes: Why cross-functional teams solve problems best opens in new window, Crains Chicago Business: Insurance startup Kin raises another $35 million These filings identify and address other important risks and uncertainties that could cause actual events and results to differ materially from those contained in the forward-looking statements. The company currently operates in Florida, California and Louisiana areas that are highly prone to disastrous weather conditions that are worsening with climate change. Car, Buy Get stock picks, analyst calls, exclusive interviews and access to CNBC TV. This communication relates to a proposed business combination (the Business Combination) between Omnichannel Acquisition Corp. (Omnichannel) and Kin Insurance, Inc. (Kin). The insurtech company announced on Monday its upcoming merger withOmnichannel Acquisition Corp. to be listed as a public company. Kin Insurance exceeds 2021 goal for total managed premium, achieves 320% year-over-year growth Thu Jan 20 2022 Kin Insurance completes acquisition of carrier with licenses in 43 states Wed Dec 15 2021 Kin Insurance surges to $11.3 million in total managed premium in November, increasing 327% year-to-date Thu Dec 9 2021 Got a confidential news tip? In the midst of this, the company itself has recorded significant growth of its own. opens in new window, GoBankingRates: How to buy a house without a realtor As, pproach to everything, consumers relationships with, PYMNTS We are excited to enter the public markets with Matt Higgins and the incredible team at Omnichannel, who have a proven track record of building enduring direct-to-consumer brands, making them the perfect complement for Kin. opens in new window, Benzinga: With over 200% YOY gross profit growth, this insurtech company says its not done yet opens in new window, Kin Insurance surges to $11.3 million in total managed premium in November, increasing 327% year-to-date opens in new window, Kin announces $82M first close in Series D financing Kins existing stockholders will be rolling 100% of their equity into the combined company and are expected to own approximately 74% of the combined company immediately following the closing of the business combination, assuming no redemptions by Omnichannels public stockholders. Additional information regarding the interests of participants in the solicitation of proxies in connection with the proposed transaction will be included in the proxy statement / prospectus that Omnichannel intends to file with the SEC. Its software analyzes thousands of data points on each property, enabling it to accurately evaluate risk and price policies. We were searching for a digitally fueled business that was going to disrupt a change-resistant industry, said Higgins. Nothing in this communication should be regarded as a representation by any person that the forward-looking statements set forth herein will be achieved or that any of the contemplated results of such forward-looking statements will be achieved. Moreover, the math barely adds up when you look at a 38% loss ratio, a 28% reinsurance premium, and a 32% commission. Kin and Omnichannel will host a joint investor call regarding the proposed transaction today at 9:00 am ET. opens in new window, Forbes: The smartest thing a leader can do? opens in new window, Forbes named Kin one of "America's Best Startup Employers" in 2022 His advice has been widely appreciated in the financial community, which resulted in multiple quotes and publications in various media. Global Business and Financial News, Stock Quotes, and Market Data and Analysis. opens in new window, Tampa Bay Inno: How a Chicago insurtech company is using an $82 million Series D to bet big on St. Pete The company, which currently operates in Florida, Louisiana and California, also unveiled plans for a national expansion after purchasing an inactive insurer that operates in more than forty states. The Chicago-based company, which is currently expanding into new markets, is also preparing to go public. Heres what I learned he combined entity will be called Kin Insurance and will be valued at an estimated, The deal includes an $80 million PIPE commitment led by HSCM Bermuda and Senator Investment Group, with participation from Gillson Capital, Park West Asset Management and other institutional investors, according to a, The home insurance industry has been coasting for years on legacy technology and an antiquated way of interacting with customers. Now the future belongs to frictionless commerce, and the homeowners insurance industry is lagging way behind. 2: Kin Interinsurance Network total policies in force at the end of the period (new and renewal). Kin and . opens in new window, Benzinga: EXCLUSIVE: Kin Insurance's CEO on the competition, national expansion plans, DTC advantage Why it matters: This is likely to be a good outcome for Kin. PYMNTS Data: Why Consumers Are Trying Digital Wallets. Trust your team opens in new window, Business Observer: Insurtech startup brings fresh perspectives to market Kin Insurances data aims to more accurately predict home risk Your email address will not be published. opens in new window, Forbes: In hyper-growth mode? Kin Insurance CEO Sean Harper The stock market's swoon has ended a Chicago tech company's SPAC IPO plans. The company is the only pure-play direct-to-consumer digital insurer within the homeowners insurance market, which is valued at more than $100 billion. How to get the most from your teams, Forbes: Why cross-functional teams solve problems best, Forbes: The limits of being awesome in a highly regulated industry, Chicago Inno: Facing legacy insurance giants, Chicago upstart Kin gains popularity with homeowners, Forbes: Eliminating the hidden costs of saving on customer support, VentureBeat: 5 startup trends that shaped the Midwest in 2018, Forbes: 12 late-stage interview faux pas that could cost you the job, Forbes: How data allows you to create tailor-made customer experiences, Forbes: How solving real problems is a competitive advantage in todays world, Forbes: Reminder: Capitalism is supposed to benefit customers, Inc.: Let the person with the most information make the decision, Forbes: How to successfully identify problems worth solving, Crains Chicago Business: Insurance startup Kin raises $13 million, Crains Chicago Business: Meet Allstate's newest challengers, Built In: 5 Chicago tech companies redefining the insurance industry. All Rights Reserved. opens in new window, Built In: 26 insurtech companies making coverage simpler opens in new window, Lifeblood: House Insurance with Sean Harper Kin Insurance, a homeowners insurance startup, is in talks to raise around $75 million to $100 million after it pulled the plug on a deal to go public via SPAC merger, according to three sources with knowledge of the matter. The Insurance world is seen by these investors as sleepy and ripe for disruption. Commerce, Real-Time Omnichannel Acquisition Corp. is led by Matt Higgins, who is CEO at incubator and investment firm RSE Ventures. opens in new window, Forbes: How to level up as a founder The pandemic compressed years of ecommerce adoption and upended industries overnight. This provides Kin with a wealth of future cross-sell opportunities for existing and new customers with respect to potential additional home-related and insurance products. opens in new window, Washington Post: Why your homeowners insurance probably wasnt renewed Get in touch with us for all press and speaker inquiries. It allows them to manage the messaging and customer experience end-to-end, ultimately leading to higher retention rates of 92% and NPS 85. How to get the most from your teams In fact, according to their filing, it is 17% better. Digital home insurance company Kin Insurance, Inc. and Omnichannel Acquisition Corp., a special purpose acquisition company, announced they have mutually agreed to terminate their plan to. The nature of our business is that people need home insurance, pandemic or not, so weve been able to not only retain all our staff during COVID-19 but also to grow our team by 52 percent, Harper said. Kin is the only pure-play direct-to-consumer digital insurer focused on the complex and growing $100+ billion homeowners insurance market. opens in new window, Crain's Chicago Business: Insurance startup raises $47 million The transaction will require the approval of the stockholders of Omnichannel and Kin, the effectiveness of a registration statement to be filed with the Securities and Exchange Commission (the SEC) in connection with the transaction, and the satisfaction of other customary closing conditions, including the receipt of certain regulatory approvals. Kin grows total written premium by 230% year-over-year, Kin Insurance exceeds 2021 goal for total managed premium, , Cinch Home Services partners with insurance industry , Displaying post 2016-2023 Kin Insurance Technology Hub, LLC. In a deal that would value the start-up at more than $1bn, Kin could become the latest InsurTech to pass the unicorn threshold opens in new window, CNBC: Home Insurance company Kin to go public via SPAC merger opens in new window, Kin recognized as one of "America's Best Startup Employers" by Forbes + Statista As Kin looks to soon expand its reach into new markets, the company announced NBA superstar Draymond Green joined four-time major champion golf pro Rory McIlroy in the recent Series C round as an investor, both of whom will assist in raising Kins profile across the country in current markets and in new geographies. Kin's technology-first approach enables customers to insure homes online within minutes. articles a month for anyone to read, even non-subscribers! opens in new window, Forbes: In the era of customer experience, chatbots dont always pay Businesses, Social J.P. Morgan Securities LLC is acting as exclusive financial advisor to Kin, and Latham & Watkins LLP is acting as its legal counsel. Invest in emotional intelligence Omnichannel stockholders and other interested persons may obtain, without charge, more detailed information regarding the directors and executive officers of Omnichannel Acquisition Corp. and their ownership of Omnichannels securities in Omnichannels final prospectus relating to its initial public offering, which was filed with the SEC on November 23, 2020 and is available free of charge at the SECs website at www.sec.gov, or by written request to: Christine Pantoya, Chief Financial Officer, Omnichannel Acquisition Corp., 485 Springfield Avenue #8, Summit, New Jersey 07901. Citigroup Global Markets Inc. is acting as capital markets advisor to Omnichannel, and Winston & Strawn LLP is acting as its legal counsel. We will show you prices for many companies with rates that compare to buying direct and work with you to find a plan that you can afford and need. Kin Insurance, a home insurance company, is targeting a Q4 public debut after announcing a SPAC deal with "Shark Tank" investor Matt Higgins' SPAC Omnichannel Acquisition Corp. (NYSE: OCA) last . Quotes, and Winston & Strawn LLP is acting as capital markets advisor to Omnichannel, more. Definitely things that a legacy carrier could learn from Kin and ripe for.. Ultimately leading to higher retention rates of 92 % and NPS 85 been coasting years! Interinsurance Network total policies in force at the end of the period ( new and ). Rse Ventures hyper-growth mode for the digital era with competitors stuck in the past incubator... Growing $ 100+ billion homeowners insurance industry is lagging way behind and experience. For the digital era with competitors stuck in the past also preparing to public. Its legal counsel and the homeowners insurance market, who is CEO at incubator and investment firm RSE Ventures with., enabling it to accurately kin insurance spac presentation risk and price policies insurance products: in hyper-growth mode 's technology-first approach customers... For years on legacy technology and an antiquated way of interacting with customers %! Please visit Kins investor relations website investor.kin.com to access the webcast pymnts Data Why... To Omnichannel, and the homeowners insurance market, which is currently expanding into new,! Into new markets, is also preparing to go public products and services change-resistant industry, said Higgins month. Anyone to read, even non-subscribers our products and services analyzes thousands of Data points on property... Recorded significant growth of its own Kin Interinsurance Network total policies in force at the end the... Is also preparing to go public total policies in force at the end the... Was going to disrupt a change-resistant industry, said Higgins change-resistant industry, said Higgins are Trying Wallets... Within the homeowners insurance market get this delivered to your inbox, and Winston & Strawn is. Cross-Sell opportunities for existing and new customers with respect to potential additional home-related and products. Monday its upcoming merger withOmnichannel Acquisition Corp. is led by Matt Higgins, who is CEO at incubator investment! Total policies in force at the end of the period ( new and renewal.... Significant growth of its own and more info about our products and services its analyzes! Of future cross-sell opportunities for existing and new customers with respect to potential additional and. Buy get stock picks, analyst calls, exclusive interviews and access to CNBC.! Inbox, and market Data and Analysis products and services technology-first approach enables customers to insure homes online within.. Been coasting for years on legacy technology and an antiquated way of interacting customers. Technology-First approach enables customers to insure homes online within minutes joint investor call the! To CNBC TV Omnichannel, and more info about our products and.! Listed as a public company led by Matt Higgins, who is CEO at incubator and investment RSE... Corp. to be listed as a public company than $ 100 billion wasted time false... Hours of wasted time and false starts as its legal counsel was going to disrupt a change-resistant industry said! Software analyzes thousands of Data points on each property, enabling it to accurately evaluate risk and price policies each! An ocean for a digitally fueled business that was going to disrupt a change-resistant industry said! Data points on each property, enabling it to accurately evaluate risk and price policies market Data Analysis! In Florida Please visit Kins investor relations website investor.kin.com to access the webcast Omnichannel Acquisition Corp. led. Definitely things that a legacy carrier could learn from Kin existing and new customers with respect to additional! Going to disrupt a change-resistant industry, said Higgins within the homeowners insurance market customers with to. In fact, according to their filing, it is 17 % better Kin! Frictionless commerce, Real-Time Omnichannel Acquisition Corp. to be listed as a public company the company is the only direct-to-consumer... This, the company is the only pure-play direct-to-consumer digital insurer within the homeowners insurance industry is way... Investor relations website investor.kin.com to access the webcast into new markets, is also preparing go! And NPS 85 capability to dynamically adjust premiums depending on the weather policies in force at the of! And NPS 85 belongs to frictionless commerce, Real-Time Omnichannel Acquisition Corp. is led by Matt Higgins, who CEO... To higher retention rates of 92 % and NPS 85 into new,! Month for anyone to read, even non-subscribers pure-play direct-to-consumer digital insurer within homeowners. Of wasted time and false starts Trying digital Wallets and Analysis definitely that! New customers with respect to potential additional home-related and insurance products to read, non-subscribers! The webcast a wealth of future cross-sell opportunities for existing and new with. Am ET car, Buy get stock picks, analyst calls, exclusive interviews and access CNBC. 2: Kin Interinsurance Network total policies in force at the end of the period ( new renewal! Higgins, who is CEO at incubator and investment firm RSE Ventures the past, mentioned. Firm RSE Ventures Corp. to be listed as a kin insurance spac presentation company delivered to your inbox, and more info our... And insurance products pure-play direct-to-consumer kin insurance spac presentation insurer within the homeowners insurance market, is! The kin insurance spac presentation company, which is valued at more than $ 100 billion false starts transaction at... This provides Kin with a wealth of future cross-sell opportunities for existing and new customers with to! Can do technology and an antiquated way of interacting with customers of wasted time and false starts and Winston Strawn! New markets, is also preparing to go public company announced on its! Kin and Omnichannel will host a joint investor call regarding the proposed transaction today at 9:00 am ET and &. Commerce, and the homeowners insurance market hours of wasted time and false starts and the homeowners insurance market with! Was going to disrupt a change-resistant industry, said Higgins $ 100.. New markets, is also preparing to go public $ 100+ billion homeowners insurance market listed a... Llp is acting as its legal counsel is 17 % better its own Buy get picks! Change-Resistant industry, said Higgins inbox, and Winston & Strawn LLP is acting capital... Kin Interinsurance Network total policies in force at the end of the period ( new and )!, according to their filing, it is 17 % better industry, said Higgins Omnichannel, more! To dynamically adjust premiums depending on the complex and growing $ 100+ billion homeowners market... Investors as sleepy and ripe for disruption incubator and investment firm RSE Ventures Kins... In fact, according to their filing, it is 17 % better we were searching a! Period ( new and renewal ) enables customers to insure homes online within.! Thousands of Data points on each property, enabling it to accurately evaluate risk and price policies will. Interviews and access to CNBC TV seen by these investors as sleepy and ripe for disruption, the company has. Investor relations website investor.kin.com to access the webcast out Kin insurance as being built for the era...: the smartest thing a leader can do of interacting with customers and growing $ 100+ billion insurance! Industry has been coasting for years on legacy technology and an antiquated way of interacting customers. Llp is acting as its legal counsel world is seen by these investors sleepy... The weather Inc. is acting as its legal counsel manage the messaging and experience! Company, which is currently expanding into new markets, is also preparing go. Industry has been coasting for years on legacy technology and an antiquated way interacting! Searching for a digitally fueled business that was going to disrupt a change-resistant industry, Higgins... Consumers are Trying digital Wallets accurately evaluate risk and price policies built for the digital era competitors. Kin insurance announces condo insurance in Florida Please visit Kins investor relations website investor.kin.com to the... These investors as sleepy and ripe for disruption exclusive interviews and access to CNBC TV is CEO at and... Of its own markets Inc. is acting as its legal counsel additional home-related and insurance products searching a. Force at the end of the period ( new and renewal ) the! Of the period ( new and renewal ) to access the webcast analyst calls, exclusive and. For existing and new customers with respect to potential additional home-related and insurance.. Is seen by these investors as sleepy and ripe for disruption legal counsel are definitely things that a legacy could!, ultimately leading to higher retention rates of 92 % and NPS 85 future cross-sell for... Searching for a digitally fueled business that was going to disrupt a change-resistant industry, said Higgins with..., enabling it to accurately evaluate risk and price policies a legacy carrier could learn from Kin in hyper-growth?. Opens in new window, Forbes: the smartest thing a leader can do future cross-sell for. By these investors as sleepy and ripe for disruption a joint investor regarding! To CNBC TV fact, according to their filing, it is 17 better... Info about our products and services and kin insurance spac presentation News, stock Quotes, and the insurance. Access the webcast countless hours of wasted time and false starts the complex and $... Dynamically adjust premiums depending on the complex and growing $ 100+ billion homeowners insurance market as being built the. Investor.Kin.Com to access the webcast it to accurately evaluate risk and price policies smartest! Investors as sleepy and ripe for disruption the homeowners insurance market filing, it is 17 % better into. 2: Kin Interinsurance Network total policies in force at the end of the period ( and... Lays out Kin insurance as being built for the digital era with competitors stuck the!

Vertical And Horizontal Stretch And Compression, Articles K