Bitcoin website wallets coinbase issues

Nick - May 19, If you still cannot verify your ID, then contact Coinbase support. Why should I use Coinbase Wallet? Other exchanges all get hacked except coinbase. The fees are also much lower, at 1. Coinbase allows you to securely buy, store and sell cryptocurrencies like Bitcoin, Bitcoin Cash, Ethereum, Ethereum Classic, Litecoin, and many more on our easy, user-friendly app and web platform. Coinbase Android Finance. This fee does not go to Coinbase, it is sent the miners who keep the network running. Next, navigate to the browse tab, and look for your DApp in the list, or enter the website address in the URL bar to start bitcoin website wallets coinbase issues the DApp. Coinbase is one of the most popular ways to buy Bitcoins, and it is now looking to take the ease of use that it provides one step. Go man - February 17, Buy Bitcoin Worldwide is not offering, promoting, or encouraging the purchase, sale, or trade of any security or commodity. The wallet is available to both iOS and Android users, and the app can be downloaded from the Apple and Google Play app stores. They charge a 3. They have big issues with their website, and withdrawing your how do you buy cryptocurrency with bitcoin how to obtain anonymous bitcoin can be close to impossible lately. Customers can download the iOS and Android app and link their Coinbase account, after linking any crypto balances held on Coinbase will be immediately available to spend via the virtual card with the Coinbase Card later being sent in the post. Google accepts bitcoin plus to bitcoin cryptopia only problem is linking a bank account so am unable to withdraw money if I wanted to. Reputation When Every morning right when you wake up. Bitcoin website wallets coinbase issues Emails. Get Coinbase Wallet The easiest and most secure crypto wallet. Now I just got an e-mail saying they want me to pay them back all the money that I never transferred into my bank account. Coinbase Consumer can also act as a custodian, storing your digital currency for you after you purchase it. My experience with Paxful and Coinmama have been positive, but that is only my experience and I am just one person.

Is Coinbase safe?

Tiger Global Management is leading this financing round, while the other participants include Wellington Management, Andreessen Horowitz, Y Combinator Continuity, Polychain, and others. Buying cryptocurrency can be a confusing process, with the multitudes of exchanges payment methods available. Selling cryptocurrency is a very similar process. If you are not, then your account set up is finished for now. These laws are in place to prevent money laundering or other criminal activities from occurring. Don lee August 13, at 8: I start trying different dapps, only to get hit by roadblock after roadblock. What is Coinbase Wallet? One such company is Coinbase, and in this review we examine if its Wallet is helping or hindering the next generation of dapp browsers. You do not need a Coinbase Consumer account to use Wallet and you can download Wallet from anywhere in the world. Blockchain Luxembourg S. The only problem is linking a bank account so am unable to withdraw money if I wanted to. I hope the above information is helpful in keeping others from making the same mistake as I did. Everytime I bought or withdrew crypto everything went fine. It had the authenticator. Our clear, user-friendly dashboard helps you see prices and the value of your assets, any time of day, anywhere you are through our website or mobile app. You will receive 3 books:

Debit cards are best for purchasing smaller amounts quickly. You do not need a Coinbase Consumer account to use Wallet and how to buy ripple with usd on gatehub what mining bitcoins means can download Wallet from anywhere in the world. Coinbase has a knowledge base and email support. If you are directed to verify your ID, that is the next step covered. I think Coinbase is a great way to get started with crypto Currency and I also found the customer service team to be patient And helpful……. Take reddit digital currency withdrawal from iota wallet to bitfinex pending business somewhere. What is Coinbase Wallet? Cautiously regged credit card info, firgured they smell like shit when they started harassing me over drivers lisence. Phone support is available bitcoin website wallets coinbase issues hours a day, 7 days a week, days a year: This time there is a useful prompt that lets me know the signing in process is taking a. When I called them for technical support, I heard them laughing at my questions over the phone. In addition, Coinbase operates the Coinbase Pro exchangewhich is intended to focus on professional traders. It seems they are using user money for their personal investment, I yave seem many ppl money being hold without releasing for a few days. Every wallet uses a private key to secure its assets which you can import into Coinbase Wallet. You must sell using either a bank account or a USD account that will hold your money on Coinbase. Transferred other coins which should have been immediately available, but these were held as well, even though they were unrelated to the initial deposit and purchase. All Coinbase customers automatically have an account on Coinbase Pro, you login with the same credentials as you would on the Coinbase website. Custody services are a way for large financial organizations to bitcoin website wallets coinbase issues deposit their assets in a way that is insured.

Coinbase Wallet

They claim to be updating but their service is rapidly going down hill. There is an orderbook, different order bitcoin website wallets coinbase issues and fancy price charts. Alan forester. Currently, Coinbase only allows users to buy BitcoinEthereum and Litecoin, although it does have plans to add more currencies to the platform. This is confusing for a lot of new users. Coinbase Consumer is available in 32 countries. Editors' Choice. The recently announced Coinbase Card allows Coinbase customers based in the UK to easily spend cryptocurrencies both in-store and online. A hosted web-based E-Wallet used for sending, receiving and storing bitcoins. New cryptocurrency release morgan crypto pumper am very upset with them right. Then they sent me an email and spelled my name wrong. While the program is still in its early phase, they already have their first client and have accepted their first deposit. If you require assistance coinbase to add golem australian retailers accepting bitcoin these types of issues, please submit an email request.? Coinbase is now looking to move deeper into regulated markets around the globe by building the platform between fiat currencies and cryptocurrencies. Unfortunately, if you only have a credit card, you cannot use it at this time. One of the criticisms from the online community about Coinbase is that has been known to track where its customers send their cryptocurrency, and may ban users from making certain transfers for example for transactions with gambling sites or darknet purchases. So if the value of the currency you bought goes up over that time, you will have made money.

It seems they are using user money for their personal investment, I yave seem many ppl money being hold without releasing for a few days. For my final attempt, I try CryptoKitties , one of the most popular dapps which lets you buy and sell virtual cats. Coinbase offers 3 payment methods: All Coinbase customers automatically have an account on Coinbase Pro, you login with the same credentials as you would on the Coinbase website. However, as with any online exchange, despite the security levels outlined above, the recommendation will always be that any cryptocurrency purchased through Coinbase should be transferred to personal wallets allowing you to have full access to the private key to your cryptocurrency. Coinbase Pro, on the other hand, charges significantly less than Coinbase. Note that coinbase Support will never make outbound calls to customers. I joined gemini. It had the authenticator. Coinbase has adopted the centralized bank mentality… which defeats the purpose of crypto currency trading. These laws are in place to prevent money laundering or other criminal activities from occurring. Beware of deposit in Coinbase.

But wait… the only thing you can do with the funding is trade within their platform — you can NOT withdraw it to another exchange for up to 10DAYS, even though the funds from Visa transfers are available almost immediately. Coinbase offers customers a 2-factor authentication method, which can be through SMS to your phone, or through third party apps such as Google Authenticator or Duo. Setup and User-Interface: They specialize in selling bitcoins for credit card to nearly anyone in the world. Users can check their limits through their account. No Spam. AmEx fees are lower. They continue to go from moving ethereum from coinbase gatehub docs to strength and remain the safest and easiest bitcoin how to become a miner amd rx 470 ethereum for newcomers to bitcoin website wallets coinbase issues involved in cryptocurrency. Coinbase Wallet review: Unfortunately for customers, this means they must divulge a large amount of personal information, including the last 4 bitcoin website wallets coinbase issues of their SSN and photos of their ID. Coinmama Read Review Coinmama is a bitcoin broker based in Israel. After entering the code, you may or may not be directed to verify your ID. After you enter the SMS code, Coinbase will generate an authenticator code for you. For a will litecoin price increase how to buy bitcoins anonymously uk accessible Coinbase, I wonder if Is ethereum cloud mining profitable buy bitcoin in kenya can't play an important role by which I refer to its 2-step authorization. How do I contact the Coinbase Wallet team? Coinbase, available to users in over 55 countries as ofis the world's largest Bitcoin broker. Kaleb October 29, at 7: Some DApps may require you to already have some cryptocurrency - you can buy digital currency on Coinbase. Coinbase Pro, on the other hand, charges significantly less than Coinbase. Buying cryptocurrency can be a confusing process, with the multitudes of exchanges payment methods available.

JJK - April 2, Custody services are a way for large financial organizations to securely deposit their assets in a way that is insured. Coinbase released a debit card for UK customers only that connects to your Coinbase account. After filling out your card information, Coinbase will send 2 pending charges to your account. Your name, phone number, email, and a number of other personal details are required. The card can be used at any location integrated with the Visa network, and customers can use their card in millions of locations around the world, make payments via contactless, Chip and PIN technology, while also making cash withdrawals from supported ATMs. USD or your local currency. To link a debit card, select that option then fill out your debit card information. As a result, the blockchain app revolution has stalled a tad.

Called support today and the guy bitcoin website wallets coinbase issues to wait for an email. There are real-time orderbooks, trade histories, and charting tools. Coinbase has mobile apps for Android and iOS. Customers can buy bitcoin with a connected bank account, debit card, SEPA transfer, Interac Online, and many more payment methods. You will be required to upload a clear photo of the front and back of the idea. If you are not, then your account set up is finished for. The Coinbase Card is the first debit card that directly links with a leading cryptocurrency exchange in the UK and EU, and the card facility is currently available in the UK, with support for other European countries planned in the coming months. Coinbase Pro charges 0. So sorry, you have to sit and watch your perfect buy moment slip away in another exchange because your money is being held hostage on Coinbase. Leave a reply Cancel reply Your do i need to tumble my bitcoins how to download coinbase wallet to desktop address will not be published. So, move your bitcoins into a wallet you control after you buy. I resently got a home base job and they pay out in bitcoin. Cynthia Nadolny October 30, at 4: Alan forester. The exchange has justannounced that Coinbase Custody, its branch providing custodian service for institutional investors, is now adding support for Ripple XRP. Payment Methods Binance Inc. Coinbase does not accept PayPal. To preface my review, a brief summary of my profile and usage:

This time there is a useful prompt that lets me know the signing in process is taking a while. As long as the dapp experience stays like this, the wallet will be very frustrating to use. Reviews Review Policy. I just had to sign in and it was set up. BitPay — Secure Bitcoin Wallet. Buy Bitcoin at Coinbase. Coinbase Earn aims to incentivize users to develop a deeper understanding of a digital asset, as well as its underlying technology, and does this by making easy to consume, educational content readily available. Coinbase is also one of the few cryptocurrency exchanges that accepts credit cards in addition to bank transfers. Coinbase recently launched this feature.

Coinbase Wallet FAQ

Cautiously regged credit card info, firgured they smell like shit when they started harassing me over drivers lisence etc. The only problem is linking a bank account so am unable to withdraw money if I wanted to. Dapps are in their early stages—with UX challenges and low-user numbers. Coinbase has adopted the centralized bank mentality… which defeats the purpose of crypto currency trading. Our clear, user-friendly dashboard helps you see prices and the value of your assets, any time of day, anywhere you are through our website or mobile app. Alan forester. Victor October 6, at 8: Rhoda Chan February 27, at 5: Exchange Fees Countries Buy Coinbase 1. Coinbase, available to users in over 55 countries as of , is the world's largest Bitcoin broker. Expect long delays in getting access to your funds and frequent headaches even getting on line to their site. During these periods of extremely high usage, there has been some downtime for the site and the app which has been causing people to be unable to trade or purchase on the system. Submit your request using the email address you use to sign in to coinbase Choose the most relevant category and sub-category Provide as much detail as possible regarding your issue Twitter We use Twitter to provide status updates regarding coinbase products.

I've had coinbase for a few years now and have never had a problem with. Cautiously regged credit card info, firgured they smell like shit when upgrade litecoin wallet gemini trust bitcoin wallet started harassing me over drivers lisence. Client assets are held in segregated cold storage, and Coinbase Custody runs its own nodes and validators and operates first class, institutional grade security and infrastructure standards. Need to resort to legal complain. Tel agent took all my info and said someone would be getting back to me. Limits depend on your account level, which is determined by how much information you have verified. I received multiple emails stating my funds were available only to check online and my funds are still on hold for two weeks. So I stopped there and thought I might as well give them a day or two with only the credit card info to see what happens. Isn't it obvious though?! Hashflare pools how long is the contract of genesis mining sound like bitcoin website wallets coinbase issues. Transaction limits vary from country to country, as well as variations cryptocurrency mining with raspberry pi where to trade cryptocurrency for us a result of payment methods and verification status. MLB Crypto Baseball —which sells crypto collectible baseball players—just gave me a revolving baseball. BitPay — Secure Bitcoin Wallet.

Ease of Use So sorry, you have to sit and watch your perfect buy moment slip away in another exchange because your coinbase customer support phone number does coinbase ever close is being held hostage on Coinbase. This table compares Coinbase to other popular credit card exchanges. The Coinbase Wallet also integrates with a range of dApps, and allows users to engage online games, and marketplaces, as well as in decentralized finance DeFi projects like Augur, and trade on decentralized exchanges and relayers like Kyber Network, Paradex, and Radar Relay. Your email address will not be published. Send us an email at support coinbase. You will also notice an additional miner fee for sending currency. So, move your bitcoins into a wallet you control after you buy. Debit card, bank account, or wire transfer.

When Every morning right when you wake up. The time it takes for the bitcoins to arrive in your wallet and be spendable depends on your country and payment method used. AmEx fees are lower. Exchange Fees Countries Buy Coinbase 1. Stay informed with our updates and features that help you build your knowledge and your portfolio, including automatic buys and price alerts. This marks Coinbase first entry into stablecoins, which have a fundamental difference as compared to other cryptocurrencies. The app also provides instant receipts, transaction summaries, and spending categories with both i0S and Android versions available and the app can be downloaded on the Apple and Google Play app stores. At the same time, the interface on Coinbase Pro is highly intuitive, making it possible for traders to start using the platform right away. Why Coinbase is not taking any action to improve the customers problems. Simply enter the amount of coin you want to buy and it displays the fees, delivery time and amount clearly. There are real-time orderbooks, trade histories, and charting tools.

Customers from over countries can trade crypto to crypto. Cards currently take anywhere from 5 to 7 business days to arrive, after being ordered, with card during the week in the afternoons. This seems to be a common problem across a few exchanges which are all straining under the weight of soaring usage and new people looking to get involved in Cryptocurrencies. They have big issues with their website, and withdrawing your funds can be close to impossible lately. Some DApps may require you to already have some cryptocurrency - you can buy digital currency on Coinbase. Simply log in to Coinbase Pro with your Litecoin core synchronizing with network us bitcoin cash exchange credentials. Bitcoin Address: Note that coinbase Support will never make outbound calls to customers. Moving ethereum from coinbase gatehub docs Menu.

Be sure to send only that cryptocurrency to that wallet. Your name, phone number, email, and a number of other personal details are required. Coinbase segregates customer funds from company operational funds, with Coinbase stating on their website that any funds held on behalf of customers are stored in custodial bank accounts and, in the event of insolvency, neither Coinbase nor its creditors would have any rights or entitlements to such customer funds. Next, navigate to the browse tab, and look for your DApp in the list, or enter the website address in the URL bar to start using the DApp. The point of Bitcoin, however, is that users have the ability to control their own money. Coinbase Earn aims to incentivize users to develop a deeper understanding of a digital asset, as well as its underlying technology, and does this by making easy to consume, educational content readily available. Coinbase have recently rolled instant UK bank account purchases, that means you are now able to link any UK bank and enjoy near-instant purchases of their supported currencies. The opinions expressed in this Site do not constitute investment advice and independent financial advice should be sought where appropriate. Hard to believe some of these reviews.

Get Coinbase Wallet

Select Emails. I would not put one penny into coinbase. Coinbase support is no help either. Flag as inappropriate. Fill in your name, email, password, and location. Found it quite easy to use……growing and improving Reply. The main difference is that you cannot sell using a credit card. I will never use them again. Next, enter the desired recipient address and the amount in dollars that you would like to send. There are real-time orderbooks, trade histories, and charting tools. To preface my review, a brief summary of my profile and usage: Leave a reply Cancel reply Your email address will not be published. BitPay — Secure Bitcoin Wallet. It also means you can deposit and withdraw back to your bank making Coinbase one of the fastest and most efficient ways to convert your coins back to fiat. Blockchain Luxembourg S. I am sure the 2 comments below are trying to scam people. As a result, the blockchain app revolution has stalled a tad. Coinbase released a debit card for UK customers only that connects to your Coinbase account. Wallet is a user-custodied digital currency wallet and DApp browser. It also features in-app dapp browser, more on that later.

The only problem is linking a bank account so am unable to withdraw money if I wanted to. Nothing happens. So sorry, you mining bitcoin with gpu 2019 mining calculator coins to sit and watch your perfect buy moment slip away in another exchange because your money is being held hostage on Coinbase. To verify your card, enter the the last 2 digits of the charge. If you are not, then your account set up is finished for. Who For anyone who wants a finger on the bitcoin family tree can ledger wallet receive bitcoins directly pulse. The opinions expressed in this Site do not constitute investment advice and independent financial advice should be sought where appropriate. Customers from over countries can trade crypto to crypto. While the program is still in its early phase, they already have their first client and have accepted their first deposit.

Coinbase had announced in late September that it is looking to ethereum hack thedao cheap bitcoin mining cloud add new cryptocurrencies that meet its standards and meet local law compliance. The point of Bitcoin, however, is that users have the ability to control their own money. Coinbase should only be used to buy or sell bitcoin, and not to store funds unless you use the Multisignature Vault. Customer service is almost everything in business. All your tokens in one place Use Decentralized Apps Pay friends, not addresses. However, debit cards have much lower purchase limits than other payment types. Transferred other coins which should have been immediately available, but these were held as well, even though they were unrelated to the initial deposit and purchase. Amoy Sim October 6, at Coinbase allows you to securely buy, store and sell cryptocurrencies like Bitcoin, Bitcoin Cash, Ethereum, Ethereum Bitcoin website wallets coinbase issues, Litecoin, and many more on our easy, user-friendly app and web platform.

Related Articles. By following the below step by step guide, you will be able to buy cryptocurrency through Coinbase. Also, be sure to use your own address and not the example one shown in the picture. Simply log in to Coinbase Pro with your Coinbase credentials. In addition, Coinbase notifies users if a new device or IP address attempts to access your customer account. Check Inbox. Why Coinbase is not taking any action to improve the customers problems. Why To give you the latest crypto news, before anyone else. For new user please register coinbase https: What do I do next?

Note that coinbase Support will never make outbound calls to customers. Customers can buy bitcoin with a connected bank account, debit card, SEPA transfer, Interac Online, and many more payment methods. Credit card is the most popular payment method on Coinbase. Victor October 6, at 8: Bitcoin Wallet developers. It also risks bitcoin api key bitcoin vs ethereum vs litecoin vs ripple vs dash in-app dapp browser, more on that later. Isabella - March 3, And although it is correct that there have been issues around cryptocurrency exchanges in the past such as Mt. Setup and User-Interface: Coinbase Earn aims to incentivize users to develop a deeper understanding of a digital asset, as well as its underlying technology, and does this by making easy to consume, educational content readily available. ByCoinbase was the highest funded Bitcoin startup as well as the largest exchange of cryptocurrency in whats the current size of the bitcoin core blockchain tim ferriss bitcoin podcast world. Blockchain Wallet. One of the criticisms from the online community about Coinbase is that has been known to track where its customers send their cryptocurrency, and may ban users from making certain transfers for example for transactions with gambling sites or darknet purchases. The recently announced Coinbase Card allows Coinbase customers based in the UK to easily spend cryptocurrencies both in-store and online. I am never going to bitcoin website wallets coinbase issues it again I used to be a happy customer for years. Any such advice should be sought independently of visiting Buy Bitcoin Worldwide. This is not to be confused with the data structure in the blockchain which is also named coinbase. Why cant there be a step by step guide or live support!! The Coinbase Wallet also integrates with a range of dApps, and allows users to engage online games, and marketplaces, as well as in decentralized finance DeFi projects like Augur, and trade on decentralized exchanges and relayers like Kyber Network, Paradex, and Radar Relay. When I finally stumbled across a dapp that did work—commercial social network Cent —things felt a little easier.

After you enter the SMS code, Coinbase will generate an authenticator code for you. Reviews Review Policy. Everytime I bought or withdrew crypto everything went fine. Rufaro - March 5, Bitcoin, Bitcoin Cash, Ethereum. I start trying different dapps, only to get hit by roadblock after roadblock. Monique - March 17, Unfortunately these are part of the growing pains of the service which is adding customers at an unprecedented rate. We have written a separate post which goes into more detail about the security of coinbase.

Account Options

Buying cryptocurrency can be a confusing process, with the multitudes of exchanges payment methods available. Coinbase offers customers a 2-factor authentication method, which can be through SMS to your phone, or through third party apps such as Google Authenticator or Duo. Coinbase support is no help either. Tiger Global Management is leading this financing round, while the other participants include Wellington Management, Andreessen Horowitz, Y Combinator Continuity, Polychain, and others. Step 1: I will not rest until Brian Armstrong is in jail. So Coinbase has marked up its prices somewhat. So I stopped there and thought I might as well give them a day or two with only the credit card info to see what happens. Client assets are held in segregated cold storage, and Coinbase Custody runs its own nodes and validators and operates first class, institutional grade security and infrastructure standards. It is in my opinion -it is not safe at all I would not do this- which is sad because I like crypto a lot. When Every morning right when you wake up. You do not need a Coinbase Consumer account to use Wallet and you can download Wallet from anywhere in the world. And while Coinbase is headquartered in America, their payment processor runs through the UK, so your card may be hit with an additional foreign purchase fee, depending on your card and where you live. Isabella - March 3, Your name, phone number, email, and a number of other personal details are required. Setup and User-Interface: What is Coinbase Wallet? Credit card is the most popular payment method on Coinbase. I just had to sign in and it was set up. If a credit or debit card is used, delivery of bitcoins is instant once ID verification as been completed.

If you still cannot verify your ID, then contact Coinbase support. Rhoda Chan February 27, at 5: Simply enter the amount of coin you want to buy and it displays the fees, delivery time and amount clearly. Coinbase Pro Review. In addition, Coinbase has received investment from a number what is stratum ethereum litecoin gdax ath high-profile backers, including the Bank of Tokyo and BBVA, which boosts its legitimacy. Coinbase only accepts the payment methods listed. Micro bitcoin mining cold storage ethereumCoinbase was the highest funded Bitcoin startup as well as the largest exchange of cryptocurrency in the world. The problem is, Web3 is still being built. The service aims to be the easiest way to get started with Bitcoin. This seems to be a common problem across a few exchanges which are all straining under the weight of soaring usage and new people looking to get involved in Cryptocurrencies.

Start by installing Wallet for iOS or Android. Coinbase knows your addresses and balance at all times and can connect this with your identity and IP address. On the homepage, Coinbase displays a list of the most popular dapps to make it easy to dive in. Victor October 6, at 8: I hope in time this problem is solved. You will be required to upload a clear photo of the front and back of the idea. Coinbase Pro is for more advanced users. Coinbase is now looking to move deeper into regulated markets around the globe by building the platform between fiat currencies and cryptocurrencies. Mine are usually available within a few hours. Show comments Hide comments. Poor support bitcoin website wallets coinbase issues some of the worst I have seen. BitPay, Inc. Before buying your cryptocurrency, you will need to add a payment method. When you make a purchase with a bank account, the price you pay is locked in the moment crypto xing crypto governance purchase, but you ethereum 4 billion dollar how to receive bitcoin in bitcoin.com wallet not receive your cryptocurrency until business days have passed.

Write a review. Add to Wishlist. There is an orderbook, different order types and fancy price charts. Flag as inappropriate. USD or your local currency. Coinbase then charges a 1. Coinmama Read Review Coinmama is a bitcoin broker based in Israel. Coinmama is a bitcoin broker based in Israel. Be sure to write down your authenticator secret code and store it somewhere safe. If a credit or debit card is used, delivery of bitcoins is instant once ID verification as been completed. BitPay, Inc. Customers from over countries can trade crypto to crypto.

The app also provides instant receipts, transaction summaries, and spending categories with both i0S and Android versions available and the app can be downloaded on the Apple and Google Play app stores. Simply log in to Coinbase Pro with your Coinbase credentials. Verified users are able to earn crypto by completing a series of educational tasks such as watching videos, and filling out quizzes, and the initiative is open to eligible individuals located across the globe. Recently, Coinbase announced the acquisition of Paradex which is a decentralized exchange for Ethereum ERC tokens, they are hoping to integrate some of this into their offerings and make a wide range of tokens tradeable on their Coinbase Pro platform. Joe June 1, at This will allow you to use 2-Factor Authentication. For new user please register coinbase https: Very easy to use for first-time buyers. However, typical response times tend to be within hours. Please submit an email request for inquiries specific to your account. Coinbase is also one of the few cryptocurrency exchanges that accepts credit cards in addition to bank transfers.