Revolut is the fastest way to send money to Ghana from Singapore right now, with delivery in within minutes. Regency FX is cheapest overall, paying out 90,842.62 GHS for a S$10,000 transfer.
| 3 of 3 providers Last updated on 28 October 2026 | |||
| Based on 10,000 SGD transfer Best companies for SGD/GHS transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee $93.32 1 SGD = 9.0946 GHS +0.16% vs mid-market | Recipient gets GH₵90,097.59 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $93.321 SGD = 9.0946 GHS GH₵90,097.59You pay$10,000.00 | |||
| Promoted  Regency FX Pay via Bank transfer | Fee $0.00 1 SGD = 9.0843 GHS +0.27% vs mid-market | Recipient gets GH₵90,842.62 Minutes - 24 hours | |
Ways to receive money in Ghana with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 9.0843 GHS GH₵90,842.62You pay$10,000.00 | |||
Run a live search Showing top Singapore to Ghana deals for 10,000 SGD. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live SGD to GHS rates. | |||
Run a live search These companies offer multi-currency accounts for spending GHS. We suggest doing a live search based on how much SGD you're planning to spend in Ghana. | |||
Run a live search These are managed services with real human support for large SGD transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: First Transfer Deal Regency FX Pay via Bank transfer | Fee $0.00 1 SGD = 9.0843 GHS +0.27% vs mid-market | Recipient gets GH₵90,842.62 Minutes - 24 hours | |
Ways to receive money in Ghana with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 9.0843 GHS GH₵90,842.62You pay$10,000.00 | |||
| Wise Pay via Bank transfer | Fee $93.32 1 SGD = 9.0946 GHS +0.16% vs mid-market | Recipient gets GH₵90,097.59 Within minutes | |
Ways to receive money in Ghana with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $93.321 SGD = 9.0946 GHS GH₵90,097.59You pay$10,000.00 | |||
| Wise Pay via PayNow | Fee $93.32 1 SGD = 9.0946 GHS +0.16% vs mid-market | Recipient gets GH₵90,097.59 Within minutes | |
Ways to receive money in Ghana with Wise when paying by paynow. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $93.321 SGD = 9.0946 GHS GH₵90,097.59You pay$10,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee $52.20 1 SGD = 9.0432 GHS +0.72% vs mid-market | Recipient gets GH₵89,959.50 Within minutes | |
Ways to receive money in Ghana with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $52.201 SGD = 9.0432 GHS GH₵89,959.50You pay$10,000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee $131.75 1 SGD = 9.0432 GHS +0.72% vs mid-market | Recipient gets GH₵89,240.11 Within minutes | |
Ways to receive money in Ghana with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes $131.751 SGD = 9.0432 GHS GH₵89,240.11You pay$10,000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
| Wise Pay via Debit card | Fee $544.02 1 SGD = 9.0946 GHS +0.16% vs mid-market | Recipient gets GH₵85,998.64 Within minutes | |
Ways to receive money in Ghana with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $544.021 SGD = 9.0946 GHS GH₵85,998.64You pay$10,000.00 | |||
| How Our Results Work Mid-market rate: 1 SGD = 9.1089 GHS Updates every 60 minutes. | |||
Transfer details
I suggest starting with Regency FX which is the cheapest option for sending S$10,000.
Regency FX was the cheapest on 28 of the 28 days it quoted S$10,000 transfers to Ghana.
There are 3 methods to fund the transfer from Singapore, including bank transfer, debit card, and paynow.
Where possible, use PayNow to fund your account, it is usually free and takes seconds.
Before you can send money to Ghana, you'll need to verify your account using Singpass, or a passport and pass if you're not a resident.
How much SGD you send to Ghana heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.
Our analysis shows Regency FX was the cheapest in 100% of the transfers from S$5,000 it quoted, and in 100% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $1,000 | 0.34% | $0.00 | GH₵9,076.70with bank transfer to bank deposit | +GH₵132.33 | |
| $5,000 | 0.72% | $2.20 | GH₵45,186.01with bank transfer to bank deposit | +GH₵426.21 | |
| $10,000This page | 0.27% | $0.00 | GH₵90,842.62with bank transfer to bank deposit | +GH₵1,469.95 |
Mid-market rate: 1 SGD = 9.1089 GHS
The cheapest way to send SGD to GHS can change every day, or stay with the same company all month.
We've compared the mid-market rate with the cheapest option each day (today it's Regency FX), across 30 days of comparisons for 10,000 SGD transfers to Ghana.
Wed, 28 Oct 2026Mid-market rateGH₵91,088.56 Regency FX GH₵90,842.62Regency FXGH₵90,842.62WiseGH₵90,097.59RevolutGH₵89,959.50
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.1035 | – | GH₵91,035.14 | |
| | 9.0789 | $0.00 | GH₵90,789.35 | −GH₵245.79 |
| | 9.0638 | $65.00 | GH₵90,049.16 | −GH₵985.98 |
| | 9.1006 | $115.86 | GH₵89,951.90 | −GH₵1,083.24 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.1363 | – | GH₵91,362.56 | |
| | 9.1116 | $0.00 | GH₵91,115.88 | −GH₵246.68 |
| | 9.1361 | $119.77 | GH₵90,266.97 | −GH₵1,095.59 |
| | 9.0790 | $65.00 | GH₵90,200.04 | −GH₵1,162.52 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.1633 | – | GH₵91,632.77 | |
| | 9.1385 | $0.00 | GH₵91,385.36 | −GH₵247.41 |
| | 9.1401 | $113.91 | GH₵90,359.85 | −GH₵1,272.92 |
| | 9.0865 | $65.00 | GH₵90,274.87 | −GH₵1,357.90 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.2096 | – | GH₵92,096.13 | |
| | 9.1847 | $0.00 | GH₵91,847.47 | −GH₵248.66 |
| | 9.1600 | $112.94 | GH₵90,565.77 | −GH₵1,530.36 |
| | 9.1114 | $65.00 | GH₵90,521.73 | −GH₵1,574.40 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.1844 | – | GH₵91,843.95 | |
| | 9.1596 | $0.00 | GH₵91,595.97 | −GH₵247.98 |
| | 9.1726 | $113.91 | GH₵90,681.45 | −GH₵1,162.50 |
| | 9.0962 | $165.00 | GH₵89,461.25 | −GH₵2,382.70 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.1655 | – | GH₵91,654.60 | |
| | 9.1407 | $0.00 | GH₵91,407.13 | −GH₵247.47 |
| | 9.1726 | $113.91 | GH₵90,681.45 | −GH₵973.15 |
| | 9.0962 | $165.00 | GH₵89,461.25 | −GH₵2,193.35 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.1657 | – | GH₵91,657.33 | |
| | 9.1410 | $0.00 | GH₵91,409.86 | −GH₵247.47 |
| | 9.0928 | $65.00 | GH₵90,336.79 | −GH₵1,320.54 |
| | 9.1253 | $167.39 | GH₵89,726.01 | −GH₵1,931.32 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.1703 | – | GH₵91,703.15 | |
 | 9.1477 | $0.00 | GH₵91,477.00 | −GH₵226.15 |
| | 9.1801 | $138.27 | GH₵90,531.47 | −GH₵1,171.68 |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.1945 | – | GH₵91,944.71 | |
| | 9.1696 | $0.00 | GH₵91,696.46 | −GH₵248.25 |
| | 9.2020 | $84.48 | GH₵91,242.12 | −GH₵702.59 |
| | 9.1460 | $65.00 | GH₵90,865.94 | −GH₵1,078.77 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.2194 | – | GH₵92,194.43 | |
| | 9.1946 | $0.00 | GH₵91,945.51 | −GH₵248.92 |
| | 9.2473 | $139.25 | GH₵91,185.31 | −GH₵1,009.12 |
| | 9.1649 | $65.00 | GH₵91,053.13 | −GH₵1,141.30 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.1964 | – | GH₵91,964.09 | |
| | 9.1716 | $0.00 | GH₵91,715.79 | −GH₵248.30 |
| | 9.1895 | $115.86 | GH₵90,829.81 | −GH₵1,134.28 |
| | 9.1358 | $65.00 | GH₵90,764.29 | −GH₵1,199.80 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.1999 | – | GH₵91,999.02 | |
| | 9.1751 | $0.00 | GH₵91,750.62 | −GH₵248.40 |
| | 9.1930 | $111.95 | GH₵90,901.34 | −GH₵1,097.68 |
| | 9.1355 | $165.00 | GH₵89,847.51 | −GH₵2,151.51 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.1999 | – | GH₵91,999.02 | |
| | 9.1751 | $0.00 | GH₵91,750.62 | −GH₵248.40 |
| | 9.1930 | $111.95 | GH₵90,901.34 | −GH₵1,097.68 |
| | 9.1355 | $165.00 | GH₵89,847.51 | −GH₵2,151.51 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.1785 | – | GH₵91,785.10 | |
| | 9.1537 | $0.00 | GH₵91,537.28 | −GH₵247.82 |
| | 9.1431 | $65.00 | GH₵90,837.09 | −GH₵948.01 |
| | 9.2072 | $138.27 | GH₵90,798.62 | −GH₵986.48 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.2043 | – | GH₵92,042.87 | |
| | 9.1794 | $0.00 | GH₵91,794.35 | −GH₵248.52 |
| | 9.1445 | $79.56 | GH₵90,717.76 | −GH₵1,325.11 |
| | 9.1028 | $65.00 | GH₵90,436.06 | −GH₵1,606.81 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.0675 | – | GH₵90,675.34 | |
| | 9.0431 | $0.00 | GH₵90,430.52 | −GH₵244.82 |
| | 9.0417 | $65.00 | GH₵89,829.00 | −GH₵846.34 |
| | 9.0556 | $88.42 | GH₵89,755.11 | −GH₵920.23 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.0643 | – | GH₵90,643.48 | |
| | 9.0399 | $0.00 | GH₵90,398.74 | −GH₵244.74 |
| | 9.0682 | $79.56 | GH₵89,960.93 | −GH₵682.55 |
| | 9.0213 | $65.00 | GH₵89,626.35 | −GH₵1,017.13 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.0926 | – | GH₵90,926.37 | |
| | 9.0681 | $0.00 | GH₵90,680.87 | −GH₵245.50 |
| | 9.1041 | $106.08 | GH₵90,074.74 | −GH₵851.63 |
| | 9.0503 | $65.00 | GH₵89,914.76 | −GH₵1,011.61 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.1218 | – | GH₵91,217.71 | |
| | 9.0971 | $0.00 | GH₵90,971.42 | −GH₵246.29 |
| | 9.1080 | $125.61 | GH₵89,935.55 | −GH₵1,282.16 |
| | 9.0493 | $165.00 | GH₵88,999.90 | −GH₵2,217.81 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.1218 | – | GH₵91,217.71 | |
| | 9.0971 | $0.00 | GH₵90,971.42 | −GH₵246.29 |
| | 9.1080 | $125.61 | GH₵89,935.55 | −GH₵1,282.16 |
| | 9.0493 | $165.00 | GH₵88,999.90 | −GH₵2,217.81 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.1552 | – | GH₵91,551.65 | |
| | 9.1304 | $0.00 | GH₵91,304.46 | −GH₵247.19 |
| | 9.0994 | $97.25 | GH₵90,109.38 | −GH₵1,442.27 |
| | 9.0502 | $65.00 | GH₵89,913.76 | −GH₵1,637.89 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.1429 | – | GH₵91,429.11 | |
| | 9.1182 | $0.00 | GH₵91,182.25 | −GH₵246.86 |
| | 9.1208 | $113.91 | GH₵90,169.45 | −GH₵1,259.66 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.1031 | – | GH₵91,031.00 | |
| | 9.0785 | $0.00 | GH₵90,785.22 | −GH₵245.78 |
| | 9.1117 | $95.30 | GH₵90,248.36 | −GH₵782.64 |
| | 9.0550 | $65.00 | GH₵89,961.82 | −GH₵1,069.18 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.1297 | – | GH₵91,297.27 | |
| | 9.1051 | $0.00 | GH₵91,050.77 | −GH₵246.50 |
| | 9.0895 | $80.55 | GH₵90,162.74 | −GH₵1,134.53 |
| | 9.0403 | $65.00 | GH₵89,815.00 | −GH₵1,482.27 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.0618 | – | GH₵90,618.50 | |
| | 9.0374 | $0.00 | GH₵90,373.83 | −GH₵244.67 |
| | 9.0621 | $97.25 | GH₵89,739.81 | −GH₵878.69 |
| | 9.0295 | $65.00 | GH₵89,707.85 | −GH₵910.65 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.0739 | – | GH₵90,739.47 | |
| | 9.0494 | $0.00 | GH₵90,494.47 | −GH₵245.00 |
| | 9.0893 | $110.97 | GH₵89,883.96 | −GH₵855.51 |
| | 9.0421 | $165.00 | GH₵88,929.13 | −GH₵1,810.34 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 9.0893 | $110.97 | GH₵89,883.96 | – |
| | 9.0421 | $165.00 | GH₵88,929.13 | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.0419 | – | GH₵90,419.06 | |
| | 9.0175 | $0.00 | GH₵90,174.93 | −GH₵244.13 |
| | 9.0676 | $76.61 | GH₵89,981.73 | −GH₵437.33 |
| | 9.0344 | $65.00 | GH₵89,756.65 | −GH₵662.41 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.0907 | – | GH₵90,906.78 | |
| | 9.0661 | $0.00 | GH₵90,661.33 | −GH₵245.45 |
| | 9.0769 | $101.18 | GH₵89,850.60 | −GH₵1,056.18 |
| | 9.0147 | $65.00 | GH₵89,561.51 | −GH₵1,345.27 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 9.1089 | – | GH₵91,088.56 | |
| | 9.0843 | $0.00 | GH₵90,842.62 | −GH₵245.94 |
| | 9.0946 | $93.32 | GH₵90,097.59 | −GH₵990.97 |
| | 9.0432 | $52.20 | GH₵89,959.50 | −GH₵1,129.06 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 9.1089 | – | GH₵91,088.56 | |
|---|---|---|---|---|
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Each line shows what the recipient gets when you send $10,000, after fees, as quoted by each company. The mid-market line shows what $10,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.
The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.
When the blue line goes above the dashed one, you're getting more GHS per SGD than the mid-market rate can offer.
This could be due to money transfer offers, FX rate adjustments, or market competitiveness.
No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of GHS on every transfer from Singapore.
Right now, Regency FX pays 90,842.62 GHS on 10,000 SGD, which is 245.94 GHS less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 91,945.51 GHS.
If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.
Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Ghana.
We've tracked 76 comparisons to check how often today's top companies were the cheapest across 3 amounts over the past month.
Cheapest every time
Cheapest in 5% of them
Cheapest in 5% of them
Based on 21 comparisons across 3 amounts over the last 7 days.
Cheapest every time
Cheapest in 1% of them
Cheapest in 3% of them
Based on 76 comparisons across 3 amounts over the last 30 days.
Cheapest every time
Cheapest in 1% of them
Cheapest in 2% of them
Based on 91 comparisons across 3 amounts over the last 90 days.
Different companies can come out cheapest depending on the day and the amount you send.
To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).
Today Regency FX is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.
Wise (today's second cheapest) was the cheapest in only 1% of its comparisons, so it's rarely the cheapest option for transfers to Ghana.
There are 5 ways to send money to Ghana across 3 money transfer companies.
Cheapest way to send money
Sending GHS from Singapore with a specialist like Wise is quick, easy, and cheap.
You sign up online or through the app, verify account details, enter the amount, fund your transfer, and click send.
Wise charges S$93.32 to send S$10,000, delivering 90,097.59 GHS after a 0.16% markup.
In our comparisons over the past month, it was the cheapest online service on 25 of the 30 days it quoted.
Large transfers from Singapore
Brokers are the best for large SGD transfers to Ghana.
A currency broker can quote a lower margin on large SGD to GHS transfers and help with the paperwork and the entire process.
For example, Regency FX charges an exchange-rate markup of around 0.27% and no fees.
Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from S$5,000 it quoted.
Large transfers may be held briefly for Singapore’s anti-scam checks, so if your transfer is time sensitive, start the process a bit earlier.
Regular spending abroad
A multi-currency account like Wise lets you convert SGD to GHS before travelling or paying your own bills overseas.
And you can hold both currencies in one account.
Wise will get you 90,097.59 GHS after fees when converting 10,000 SGD.
Over the past month, it came out cheapest among multi-currency accounts on 87% of days.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending S$10,000 gives your recipient 90,842.62 GHS.
Pay in SGD through bank transfer, debit card, and paynow.
Funding the transfer with PayNow
This is the quickest and simplest way to pay for your transfer to Ghana from Singapore.
Scan the company's PayNow QR code or use its registered identifier.
In Ghana, they can receive GHS using bank deposit.
You pay S$10,000.00
GH₵90,843
Cheapest
You pay S$10,000.00
GH₵90,098
-GH₵745
You pay S$10,000.00
GH₵89,240
-GH₵1,603
Consider these things before sending money from Singapore to Ghana.
For a S$10,000 transfer to Ghana, these are the best options to start with:
Cheapest: Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 90,842.62 GHS, which is 0.82% more than the next best option.
Fastest: Revolut, funded through bank transfer with bank deposit for the payout. Your recipient gets 89,959.5 GHS in within minutes.
Eligible SGD deposits at participating banks are insured by SDIC up to S$100,000 per depositor and bank.
A balance with a non-bank transfer company is not a bank deposit and does not receive the same cover, even when the company is MAS-licensed.
When unsure, check the legal company in the MAS Financial Institutions Directory before paying.
Every company here holds a MAS licence, which you can check yourself on the MAS register.
We track 3 of them on SGD to Ghana, refreshed in real time on live searches, and compare on the amount that arrives rather than the headline fee.
In the past 30 days alone, we analysed 76 comparisons across 3 amounts.
This page covers the cheapest and fastest options for SGD/GHS transfers. This is how we pick them:
Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.
Each goes through our review. More on who we are, why you can trust us and how to get started.
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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