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CALIFORNIAUNCLAIMED PROPERTY SERVICES Claim Property

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Search California Unclaimed Property — Free

Enter a name exactly as it may have appeared on an old account. We search the State Controller’s published records under every reasonable variant of it, not just the spelling you typed.

24 exact, and 76 close matches worth a look

The 100 shown below are worth $815,666 between them. A match is not proof — the State holds many people with the same name, and establishing which record is yours is the real work of a claim.

The State holds 350 records under the surname Stephan, worth $313,620. See every city and first name they are recorded under

  • Strong match

    Michael D Stephan

    Stocks or securities · San Rafael, CA

    Reported by Walt Disney Co & Affiliates The

    A claim on this will have to be notarized.

    $522.26 Disney Walt Company
    Start this claim

    State ID 17083766

  • Strong match

    Michael D Stephan

    Stocks or securities · San Rafael, CA

    Reported by Walt Disney Co & Affiliates The

    A claim on this will have to be notarized.

    $261.13 Disney Walt Company
    Start this claim

    State ID 17083767

  • Strong match

    Michael Stephan

    Unclaimed refund · Los Angeles, CA

    Reported by Interinsurance Exchange Of The Automobil

    $203.00
    Start this claim

    State ID 953501834

  • Strong match

    Michael Stephan

    Unpaid dividends · Pleasanton, CA

    Reported by Occidental Petroleum Corporation

    $169.60
    Start this claim

    State ID 990176774

  • Strong match

    Michael Stephan

    Stocks or securities · Santa Cruz, CA

    Reported by Safeway Inc

    A claim on this will have to be notarized.

    $149.23 Safeway Inc
    Start this claim

    State ID 959942832

  • Strong match

    Michael R Stephan

    Unclaimed refund · Winnetka, CA

    Reported by Southern California Gas Co.

    $107.45
    Start this claim

    State ID 954201123

  • Likely match

    Michelle K Stephan

    Cash held by the State · Los Angeles, CA

    Reported by Prudential Financial Inc Kba

    $312.84
    Start this claim

    State ID 17186155

  • Likely match

    Michel Stephan

    Uncashed check

    Reported by First Interstate Bank Of Ca Alex Brown Fin Gr C V Div

    $157.50
    Start this claim

    State ID 4238238

  • Likely match

    Michel Stephan

    Cash held by the State · Sherman Oaks, CA

    Reported by Sutter Insurance Company

    $138.44
    Start this claim

    State ID 12413461

  • Likely match

    M Stephan

    Cash held by the State

    Reported by Fire Insurance Exchange

    Held jointly with 1 other person

    $214.00
    Start this claim

    State ID 5454314

  • Likely match

    M F Stephan

    Insurance proceeds · Redding, CA

    Reported by Illinois State Of

    $150.50
    Start this claim

    State ID 17827349

  • Likely match

    Michael Talbot Steven

    Stocks or securities · Los Angeles, CA

    Reported by Charles Schwab & Co Inc

    A claim on this will have to be notarized.

    $8,900.46 Apple Inc
    Start this claim

    State ID 1071378050

  • Likely match

    Michael John Stoffan

    Uncashed check · Oakland, CA

    Reported by Bank Of America - California Na (318)

    A claim on this will have to be notarized.

    $5,504.31
    Start this claim

    State ID 994654224

  • Likely match

    Michael Rosales Stephen

    Unclaimed refund · Imperial, CA

    Reported by Pennymac Loan Services Llc

    A claim on this will have to be notarized.

    $4,662.86
    Start this claim

    State ID 1040977714

  • Likely match

    Michael J Stoffan

    Savings account · Oakland, CA

    Reported by Cca Citibank Na

    A claim on this will have to be notarized.

    $4,660.40
    Start this claim

    State ID 996009980

  • Likely match

    Michael Mohaupt Stephen

    Uncashed check · Manhattan Bch, CA

    Reported by Citimortgage Inc Sioux Falls Sd

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $2,800.84
    Start this claim

    State ID 1059817197

  • Likely match

    Michael Chavez Steven

    Uncashed check · Bloomington, CA

    Reported by Vargas V. Chemcor Chemical Corporation, Et Al.

    A claim on this will have to be notarized.

    $2,665.67
    Start this claim

    State ID 1068610209

  • Likely match

    Michael J Stoffan

    Uncashed check · Oakland, CA

    Reported by Wells Fargo Bank Na

    A claim on this will have to be notarized.

    $2,496.24
    Start this claim

    State ID 1001164801

  • Likely match

    Michael Talbot Steven

    Stocks or securities · Los Angeles, CA

    Reported by Charles Schwab & Co Inc

    A claim on this will have to be notarized.

    $1,720.55 Meta Platforms Inc Class A
    Start this claim

    State ID 1071378049

  • Likely match

    Michael Stoffan

    Unclaimed refund · Oakland, CA

    Reported by Allstate Insurance Company

    Held jointly with 1 other person

    $800.00
    Start this claim

    State ID 998098507

  • Likely match

    Michael Charles Steven

    Unclaimed refund · Huntington Beach, CA

    Reported by Octsc: Santa Ana Escrow

    $746.95
    Start this claim

    State ID 1026504199

  • Likely match

    Michael Staffanou

    Unpaid wages · Rohnert Park, CA

    Reported by Price Cars Sr Llc Dba Toyota Marin

    $726.01
    Start this claim

    State ID 1023177321

  • Likely match

    Michael Weber Stephen

    Cash held by the State · Hawthorne, CA

    Reported by American National Insurance Company

    $720.68
    Start this claim

    State ID 988935999

  • Likely match

    Michael Talbot Steven

    Credit balance · Los Angeles, CA

    Reported by Charles Schwab & Co Inc

    $692.69
    Start this claim

    State ID 1071378048

  • Likely match

    Michael Stefaun

    Credit balance · San Diego, CA

    Reported by Synchrony Bank

    $590.00
    Start this claim

    State ID 1045435299

  • Likely match

    Michael Stefano

    Cash held by the State · Huntington Beac, CA

    Reported by The Bank Of New York Mellon

    Held jointly with 1 other person

    $559.87
    Start this claim

    State ID 17359333

  • Likely match

    Michael Ransom Steven

    Unclaimed refund · Seaside, CA

    Reported by Csaa Insurance Exchange

    $542.00
    Start this claim

    State ID 1012149473

  • Likely match

    Michael Stephen

    Cash held by the State · Tahoe City, CA

    Reported by Block Inc

    $486.24
    Start this claim

    State ID 1003888234

  • Likely match

    Michael R Stephen

    Unclaimed refund · Tahoe City, CA

    Reported by Allstate Insurance Company

    $472.00
    Start this claim

    State ID 1017374770

  • Worth checking

    Michelle B Steffien

    Unclaimed refund · Seal Beach, CA

    Reported by Jpmorgan Chase Bank N.a.

    $890.49
    Start this claim

    State ID 980544213

  • Worth checking

    Michelle Stephen

    Uncashed check · Los Angeles, CA

    Reported by Rbc Bank

    Held jointly with 1 other person

    $734.23
    Start this claim

    State ID 1037687493

  • Worth checking

    Michelle A Jt Sutphin

    Unpaid dividends · Antioch, CA

    Reported by Primerica Shareholder Services

    Held jointly with 1 other person

    $618.92
    Start this claim

    State ID 993472010

  • Worth checking

    Mitchell D Steven

    Savings account

    Reported by Bank Of America Nt&sa Branch:0168-coronado Branch

    $522.52
    Start this claim

    State ID 5093115

  • Worth checking

    Mitchell Steven

    Cash held by the State · Belmont, CA

    Reported by Key Bank

    $498.00
    Start this claim

    State ID 1063429657

  • Worth checking

    Mitchell Mortgate Rea Steven

    Deposit held · Corona Del Mar, CA

    Reported by Southern California Edison Company

    $479.26
    Start this claim

    State ID 966229165

  • Worth checking

    Michelle Bruns Stephanie

    Uncashed check

    Reported by Contreras V Ralphs Grocery Company Fund

    $233.64
    Start this claim

    State ID 1069801744

  • Worth checking

    Mitchell Stephanie

    Unclaimed refund · San Francisco, CA

    Reported by Ticketmaster Llc And Subsidiaries

    $154.94
    Start this claim

    State ID 1059526286

  • Worth checking

    Michelle Zuniga Stephanie

    Cash held by the State · Lancaster, CA

    Reported by Paypal Inc

    $121.82
    Start this claim

    State ID 1012807025

  • Worth checking

    M Mermis Stephen

    Savings account · Pasadena, CA

    Reported by First-citizens Bank & Trust Company

    A claim on this will have to be notarized.

    $440,031.76
    Start this claim

    State ID 1073321333

  • Worth checking

    M Stephenson Steven

    Savings account · Long Beach, CA

    Reported by Jp Morgan Chase Bank, N.a. (000702)

    A claim on this will have to be notarized.

    $214,414.16
    Start this claim

    State ID 1073324081

  • Worth checking

    M Nelson Steven

    Cash held by the State · Lompoc, CA

    Reported by American General Life Insurance Company

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $26,119.27
    Start this claim

    State ID 1068997827

  • Worth checking

    M Smith Stephen

    Cash held by the State

    Reported by American Modern Property & Casualty Insu

    Held jointly with 2 other people

    Someone has already filed a claim on this property. It may be you, or it may not.

    A claim on this will have to be notarized.

    $5,287.67
    Start this claim

    State ID 1072603832

  • Worth checking

    M Nelson Steven

    Cash held by the State · Lompoc, CA

    Reported by American General Life Insurance Company

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $5,225.32
    Start this claim

    State ID 1068997826

  • Worth checking

    M Williams Dmd Steven

    Cash held by the State · Livermore, CA

    Reported by Delta Dental Of California

    A claim on this will have to be notarized.

    $4,550.20
    Start this claim

    State ID 1028005981

  • Worth checking

    Matthew J Stephan

    Uncashed check · San Francisco, CA

    Reported by Washington Mutual Bank (68-0172274)

    A claim on this will have to be notarized.

    $4,094.50
    Start this claim

    State ID 13629602

  • Worth checking

    M Quintero Stephenie

    Stocks or securities

    Reported by Primerica Shareholder Services

    Held jointly with 2 other people

    Someone has already filed a claim on this property. It may be you, or it may not.

    A claim on this will have to be notarized.

    $3,688.56 Lm Clearbridge Appreciation Fd Cl A
    Start this claim

    State ID 1031450486

  • Worth checking

    M Moreno Stephanie

    Uncashed check · Jurupa Valley, CA

    Reported by Arrowhead Central Credit Union

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $3,483.35
    Start this claim

    State ID 1073354196

  • Worth checking

    M Razo Steven

    Pension or retirement funds · Santa Maria, CA

    Reported by U.s. Bank - Pars

    Someone has already filed a claim on this property. It may be you, or it may not.

    A claim on this will have to be notarized.

    $3,315.67
    Start this claim

    State ID 1069111784

  • Worth checking

    M Silva Steven

    Cash held by the State · Sacramento, CA

    Reported by American General Life Insurance Company

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $3,036.36
    Start this claim

    State ID 1068997979

  • Worth checking

    M Finder Steven

    Cash held by the State · Ladera Ranch, CA

    Reported by Robinhood Securities Llc

    A claim on this will have to be notarized.

    $2,984.02
    Start this claim

    State ID 1071697386

  • Worth checking

    M Oswald Stephen

    Cash held by the State · San Diego, CA

    Reported by Greenpoint Mortgage Funding Inc

    A claim on this will have to be notarized.

    $2,296.41
    Start this claim

    State ID 17793599

  • Worth checking

    M Ugarte Stephanie

    Savings account · Palm Springs, CA

    Reported by United Federal Credit Union

    A claim on this will have to be notarized.

    $2,081.36
    Start this claim

    State ID 1072417339

  • Worth checking

    M Schwartz Md Steven

    Cash held by the State · Simi Valley, CA

    Reported by Hartford Fire Insurance Company

    A claim on this will have to be notarized.

    $2,000.00
    Start this claim

    State ID 1018390860

  • Worth checking

    M Quijada Stephanie

    Cash held by the State · North Hollywood, CA

    Reported by Wells Fargo Bank National Assocation

    A claim on this will have to be notarized.

    $1,774.00
    Start this claim

    State ID 1069294864

  • Worth checking

    Stephan

    Unclaimed refund

    Reported by Farmers Insurance Exchange

    Someone has already filed a claim on this property. It may be you, or it may not.

    A claim on this will have to be notarized.

    $1,758.00
    Start this claim

    State ID 996561434

  • Worth checking

    M Williams Dds Steven

    Cash held by the State · Livermore, CA

    Reported by Dental Benefit Providers Of Ca Inc

    A claim on this will have to be notarized.

    $1,690.00
    Start this claim

    State ID 1025943213

  • Worth checking

    M Rubenstein Attorney Steven

    Insurance proceeds · Woodland Hls, CA

    Reported by State Farm Mutual Automobile Insurance Company

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $1,500.00
    Start this claim

    State ID 15197903

  • Worth checking

    M Reynolds Stephen

    Cash held by the State · Davis, CA

    Reported by Hsbc Finance Corporation

    Someone has already filed a claim on this property. It may be you, or it may not.

    A claim on this will have to be notarized.

    $1,465.51
    Start this claim

    State ID 962222567

  • Worth checking

    M Nunes Stephanie

    Escrow balance · Hilmar, CA

    Reported by Stewart Title Of California

    Held jointly with 2 other people

    A claim on this will have to be notarized.

    $1,448.78
    Start this claim

    State ID 1060027816

  • Worth checking

    M Nunes Stephanie

    Escrow balance · Hilmar, CA

    Reported by Stewart Title Of California

    Held jointly with 2 other people

    A claim on this will have to be notarized.

    $1,448.78
    Start this claim

    State ID 1060027816

  • Worth checking

    M Nunes Stephanie

    Escrow balance · Hilmar, CA

    Reported by Stewart Title Of California

    Held jointly with 2 other people

    A claim on this will have to be notarized.

    $1,448.78
    Start this claim

    State ID 1060027816

  • Worth checking

    M Williams Dmd Steven

    Uncashed check · Livermore, CA

    Reported by Delta Dental Of Kentucky Inc

    A claim on this will have to be notarized.

    $1,387.00
    Start this claim

    State ID 1027472457

  • Worth checking

    M Angel Stephanie

    Uncashed check · San Diego, CA

    Reported by Home Point Financial

    A claim on this will have to be notarized.

    $1,359.67
    Start this claim

    State ID 1059257769

  • Worth checking

    M Morajara Stephany

    Stocks or securities · Apo Ap, CA

    Reported by Charles Schwab & Co Inc

    A claim on this will have to be notarized.

    $1,335.39 Usaa Cornerstone Moderate Fd
    Start this claim

    State ID 1071363243

  • Worth checking

    M Soren Steven

    Escrow balance

    Reported by Foundation Escrow

    A claim on this will have to be notarized.

    $1,227.38
    Start this claim

    State ID 1001759382

  • Worth checking

    Maxine D Stephan

    Cash held by the State · Downey, CA

    Reported by Metropolitan Life Insurance Company

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $1,217.15
    Start this claim

    State ID 970971889

  • Worth checking

    M Laduque Dds Stephen

    Cash held by the State · Concord, CA

    Reported by Unitedhealthcare Insurance Co

    A claim on this will have to be notarized.

    $1,163.40
    Start this claim

    State ID 1026267516

  • Worth checking

    M Richardson Steven

    Unclaimed refund · Riverside, CA

    Reported by Golden Eagle Insurance Corp

    A claim on this will have to be notarized.

    $1,156.00
    Start this claim

    State ID 1060664820

  • Worth checking

    M Schwartz Md Steven

    Cash held by the State · Simi Valley, CA

    Reported by Esis Inc.

    A claim on this will have to be notarized.

    $1,125.00
    Start this claim

    State ID 1034087605

  • Worth checking

    M Gutierrez Stephanie

    Uncashed check · West Covina, CA

    Reported by Chilton V Pacific Eye Institute

    A claim on this will have to be notarized.

    $1,098.03
    Start this claim

    State ID 1058077870

  • Worth checking

    M Martini Steven

    Cash held by the State · Agoura Hills, CA

    Reported by State Of Indiana

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $1,081.00
    Start this claim

    State ID 1069117486

  • Worth checking

    M Sullivan Stephen

    Unpaid wages · El Cajon, CA

    Reported by Us Foods Inc.

    Someone has already filed a claim on this property. It may be you, or it may not.

    A claim on this will have to be notarized.

    $1,060.58
    Start this claim

    State ID 1069887885

  • Worth checking

    M Field Md Stephen

    Cash held by the State

    Reported by Kaiser Foundation Health Plan

    A claim on this will have to be notarized.

    $1,000.00
    Start this claim

    State ID 16070678

  • Worth checking

    M Haidet Stephen

    Uncashed check · San Luis Obispo, CA

    Reported by Community West Bank

    Someone has already filed a claim on this property. It may be you, or it may not.

    $980.94
    Start this claim

    State ID 1065376440

  • Worth checking

    M Simons Md Steven

    Cash held by the State · Beverly Hills, CA

    Reported by Mercy Health

    Someone has already filed a claim on this property. It may be you, or it may not.

    $937.50
    Start this claim

    State ID 1011895469

  • Worth checking

    M Simons Md Steven

    Cash held by the State · Beverly Hills, CA

    Reported by Bon Secours Mercy Health Inc

    Someone has already filed a claim on this property. It may be you, or it may not.

    $937.50
    Start this claim

    State ID 1022028439

  • Worth checking

    Matthew Stephan

    Insurance proceeds

    Reported by Financial Indemnity Company

    Held jointly with 1 other person

    $924.85
    Start this claim

    State ID 14479404

  • Worth checking

    M Kightlinger Stephen

    Mineral or royalty payments · San Francisco, CA

    Reported by Sentinel Peak Resources California Llc

    $869.12
    Start this claim

    State ID 1065630791

  • Worth checking

    M Malicek Stephen

    Uncashed check · Rancho Cucamonga, CA

    Reported by Foothill Fcu

    Held jointly with 1 other person

    $842.04
    Start this claim

    State ID 1067159204

  • Worth checking

    M Guerrero Stephen

    Cash held by the State · Anaheim, CA

    Reported by Kaiser Foundation Health Plan

    $791.49
    Start this claim

    State ID 953713603

  • Worth checking

    Marks Stephan

    Cash held by the State · Encino, CA

    Reported by Paypal

    $784.11
    Start this claim

    State ID 1046493321

  • Worth checking

    M Laduque Dds Stephen

    Cash held by the State · Concord, CA

    Reported by Unitedhealthcare Insurance Co

    $778.40
    Start this claim

    State ID 1036583945

  • Worth checking

    M Bishop Trustee Stephen

    Cash held by the State · Malibu, CA

    Reported by American Modern Property & Casualty Insu

    Held jointly with 1 other person

    $756.82
    Start this claim

    State ID 1044838115

  • Worth checking

    M Boring Steven

    Escrow balance · San Jose, CA

    Reported by Citimortgage Inc

    $751.22
    Start this claim

    State ID 974577137

  • Worth checking

    M Schwartz Md Steven

    Cash held by the State · Simi Valley, CA

    Reported by Amtrust North America Inc

    $750.00
    Start this claim

    State ID 1026351083

  • Worth checking

    M Musgrave Stephanie

    Cash held by the State · Fresno, CA

    Reported by Wells Fargo Bank National Assocation

    $738.00
    Start this claim

    State ID 1069292966

  • Worth checking

    M Laduque Dds Stephen

    Cash held by the State · Concord, CA

    Reported by Unitedhealthcare Insurance Co

    $737.00
    Start this claim

    State ID 1036583940

  • Worth checking

    M Garcia P Stephen

    Cash held by the State · Anaheim, CA

    Reported by Canon Financial Services Inc

    $713.42
    Start this claim

    State ID 1047250809

  • Worth checking

    M Perez Stephanie

    Unpaid wages · Menifee, CA

    Reported by Miess V Covid Clinic Qsf

    $707.97
    Start this claim

    State ID 1085080496

  • Worth checking

    M Harper Steven

    Credit balance · San Marcos, CA

    Reported by Charles Schwab & Co Inc

    Held jointly with 2 other people

    $696.27
    Start this claim

    State ID 1071356768

  • Worth checking

    M O Steven

    Unpaid wages · Concord, CA

    Reported by Medianews Group Inc

    $680.23
    Start this claim

    State ID 974928404

  • Worth checking

    M Wilson Md Stephen

    Insurance proceeds · Fullerton, CA

    Reported by Great-west Healthcare Of California Inc

    $669.00
    Start this claim

    State ID 14837833

  • Worth checking

    Mark Stephan

    Uncashed check · Apo San Francis, CA

    Reported by Washington Mutual Bank (68-0172274)

    $650.28
    Start this claim

    State ID 12868884

  • Worth checking

    M Sullivan Stephen

    Unpaid wages · El Cajon, CA

    Reported by Us Foods Inc.

    $649.68
    Start this claim

    State ID 1069887918

  • Worth checking

    M Klugman Attorney Steven

    Insurance proceeds · Los Angeles, CA

    Reported by State Farm Mutual Automobile Insurance Company

    Held jointly with 1 other person

    $630.00
    Start this claim

    State ID 15651350

  • Worth checking

    M Schwartz Md Steven

    Cash held by the State · Simi Valley, CA

    Reported by Insurance Company Of The West

    $625.00
    Start this claim

    State ID 1020472439

  • Worth checking

    M Kreitzman Steven

    Cash held by the State · Vacaville, CA

    Reported by Volkswagen Credit Inc

    Held jointly with 1 other person

    $604.04
    Start this claim

    State ID 1060608252

  • Worth checking

    M Walker Stephen

    Uncashed check

    Reported by Provident Credit Union

    $582.98
    Start this claim

    State ID 1087342709

  • Worth checking

    M Trichter Stephen

    Cash held by the State · San Francisco, CA

    Reported by Cigna Health & Life Insurance Company

    $576.00
    Start this claim

    State ID 1058847247

  • Worth checking

    M Karp Esq Steven

    Cash held by the State · Los Angeles, CA

    Reported by Commerce West Insurance Co

    Someone has already filed a claim on this property. It may be you, or it may not.

    $561.70
    Start this claim

    State ID 964855710

Showing the 100 most valuable of 146. That is a common name — add a first name or a city to narrow it, and try any former spelling.

Tell us if this name comes up again

Banks and insurers hand accounts to the State Controller roughly twice a year, and the file grows every time. We will keep checking this name against each new file and write to you if it appears.

Only about this name, and you can stop it from any email. We do not sell or share the address.

How You Are Protected

Our fee is capped at ten per cent of what is recovered by Code of Civil Procedure §1582, and nothing is owed until the State Controller has paid you. If we recover nothing, you owe nothing.

There is no deadline. The State holds unclaimed property indefinitely, so nothing here is urgent.

Commissioned California Notary Public $15,000 surety bond Fee capped at 10% by state law Nothing owed until you are paid
10%
Maximum fee, by statute
Code of Civil Procedure §1582 caps any recovery fee at ten percent of the property returned.
$1,000
Notarization threshold
Cash claims at or above this must be notarized. So must all securities and safe deposit boxes.
7 days
Data refresh cycle
The State Controller republishes the full record set every Thursday, and we rebuild our copy from it.
None
Deadline to claim
California places no time limit. The State holds unclaimed property indefinitely.

How This Search Differs from the Official One

The State Controller’s own search matches what you type, and nothing else. Ours also finds maiden names, married names, initials, common misspellings, hyphen variants, and business names with and without their suffixes — because the record was created by whoever held the account, not by you.

Every result comes from the Controller’s own published file, which we rebuild weekly. Each one carries the State’s own property ID, so the record you are looking at is traceable to the source rather than to us.

What We Search Under

  • Your name as typed, plus initials and middle-name variants
  • Maiden and former married names, if you tell us them
  • Common misspellings and transposed letters
  • Former addresses in California
  • Business names with and without Inc., LLC, Co. and DBAs

How You Are Protected

Our fee is capped at ten per cent of what is recovered by Code of Civil Procedure §1582, and nothing is owed until the State Controller has paid you. If we recover nothing, you owe nothing.

California Unclaimed Property Services is a private asset recovery firm. We are not the California State Controller’s Office.

Find out in About Thirty Seconds

Give us a name and we will check the State Controller’s records under every reasonable variant of it. Asking costs nothing and commits you to nothing.