Speeding offences in England and Wales

Speeding law is simple, but the paperwork and consequences are not. This guide explains notices, driver identification, courses, fixed penalties, court sentencing, insurance and licence risks, including the steps that matter when points could lead to revocation or disqualification.

Who this applies to

This page is for anyone who has driven faster than the posted limit on a road in England or Wales and now has a Notice of Intended Prosecution, a fixed penalty offer, a Speed Awareness Course invitation, or court paperwork. It applies whether the alleged speed was recorded by a fixed yellow camera, a mobile enforcement vehicle, an average-speed system through roadworks, or a police officer using a handheld or in-car device. It is relevant to car drivers, motorcyclists, van drivers, company-car users, hire-car customers and registered keepers who were not driving but have been asked to identify the person who was. It also covers people who believe the notice arrived too late, dispute the identity of the driver, cannot readily identify a driver after a shared journey, or think the limit or measurement may have been wrong. The page is especially important for motorists with existing endorsements: three further points may produce a totting-up disqualification at 12 points within three years, while a driver in the first two years after passing can face licence revocation at six points. The law discussed is for England and Wales. Scotland and Northern Ireland have different court systems and procedures, even where the underlying road-traffic rules are similar.

The law explained

Speeding is an offence under section 89 of the Road Traffic Regulation Act 1984. In plain terms, it is an offence to drive a motor vehicle on a road at a speed exceeding the limit that applies to that road and that class of vehicle. It is generally a strict liability offence. The prosecution does not need to show that a motorist intended to exceed the limit, knew the precise limit, or drove carelessly. The central question is whether the applicable limit was exceeded.

In a contested case, the prosecution ordinarily needs to establish that a lawful speed limit applied at the relevant place, that the vehicle exceeded it, and that the defendant was the driver. Limits can arise from the national speed-limit rules, street lighting and restricted-road provisions, or a local speed-limit order supported by signage. A limit must be adequately indicated, but an argument about signs is not automatically successful merely because a motorist did not see one. The facts of the road, the signing system and the legal basis for the limit matter.

The evidence may come from a fixed camera, a mobile camera, average-speed equipment, a laser or radar device, an officer's follow-check, or other approved enforcement methods. The prosecution commonly relies on photographs, device records, an operator statement and evidence that an approved device was checked and used in accordance with its instructions. A genuine issue about identity, the location, the measurement or a device's operation can be explored, but a general belief that a camera must be wrong is not itself a defence.

Section 89(2) of the 1984 Act provides an important evidential safeguard: a person cannot be convicted on the opinion evidence of a single witness alone. In modern cases, however, an officer's evidence is commonly supported by a device reading, recording or follow-check. That means the rule will rarely defeat a properly evidenced prosecution, although the adequacy and reliability of the actual evidence can still be tested where there is a real factual basis to do so.

Most camera cases begin with a Notice of Intended Prosecution (NIP) and a request under section 172 of the Road Traffic Act 1988 for driver details. These are related but distinct matters. The NIP warns that prosecution for the alleged speeding is being considered. The section 172 requirement places a legal duty on the person receiving it, subject to limited statutory defences, to provide information identifying the driver. A person can dispute speeding while still complying with the separate duty to respond to section 172.

Where the driver is identified, the police may offer a Speed Awareness Course, a conditional fixed penalty, or refer the matter to the magistrates' court. A course is an out-of-court disposal rather than a legal entitlement. A fixed penalty is also an offer, not a court sentence. Higher recorded speeds, an unsuitable driving record, failure to meet an offer's conditions, or a decision to contest the allegation can lead to court proceedings, often started through the Single Justice Procedure.

Speeding can overlap with more serious allegations. The same driving may, depending on the evidence, be alleged to amount to careless driving or dangerous driving; those offences require proof of additional elements and carry different consequences. Conversely, a high speed alone does not automatically prove dangerous driving. At sentence for speeding, the court can take account of relevant circumstances such as traffic, weather, road layout, passengers, roadworks, a school area, prior convictions and the extent of the excess speed.

Deadlines you must not miss

14 days for the NIP to reach the keeper

For a camera or roadside detection, the Notice of Intended Prosecution must normally be served on the registered keeper within 14 days of the alleged offence. The rule is intended to give prompt warning that a prosecution is contemplated; it does not require the eventual driver to receive the first notice within that period where the driver is not the registered keeper.

If it is sent later than that to the correct registered address, the prosecution may be barred, but there are important exceptions. For example, the rule may not assist where the keeper's DVLA address was out of date, or where the police could not with reasonable diligence identify the keeper in time. A verbal NIP given at the roadside also satisfies the requirement. The envelope, date of receipt and any DVLA registration details may therefore be important evidence in a genuine late-NIP issue.

28 days to return the section 172 driver details

Once the request to identify the driver is received, there are usually 28 days to respond. This deadline is treated seriously. Returning the form late, leaving it unsigned where a signature is required, providing incomplete information, or ignoring it can lead to a separate charge of failing to furnish driver details, which carries six penalty points.

The speeding allegation and the section 172 requirement are separate. A recipient who intends to challenge the speed can still identify the driver within time. Where the driver is genuinely uncertain, the recipient should take reasonable steps to investigate, such as checking diaries, work records, fuel receipts, journey data and asking possible drivers, rather than making a guess.

Conditional fixed penalty offer window

If a conditional fixed penalty is offered, the offer letter sets the deadline, commonly 28 days, to accept and pay or to allow the matter to proceed to court. The letter is the controlling document for the particular case, so its date and instructions need to be checked carefully.

If the offer expires or its conditions are not met, it can lapse and the case may be prosecuted in the magistrates' court. Court proceedings can involve an income-related fine, costs and a victim surcharge in addition to points or a possible disqualification. A fixed penalty should not be treated as automatically available after the stated window has passed.

Speed Awareness Course booking window

Where a course is offered, the police provider will set booking and completion requirements. The overall period is typically around four months from the offer, but the individual letter or booking portal sets the applicable terms. It is not enough simply to express interest if the course is not booked, paid for where required, and completed in time.

Availability, illness, travel and technical difficulties can make a late booking risky. A driver who cannot comply should contact the course provider or issuing force promptly and retain a record of the communication. If the course window closes without successful completion, the normal alternative is a fixed penalty where still available or a court case.

6 months to start court proceedings

For summary speeding matters, the prosecution must usually lay the information, formally starting the case, within six months of the offence date. This is a procedural backstop for the speeding allegation; it does not mean that all correspondence, a hearing date or the final outcome must occur within six months.

The six-month limit does not replace the 14-day NIP requirement, and it does not remove the separate need to comply with a section 172 request. A motorist considering a limitation argument needs the actual court and prosecution dates, not merely the date on which a later letter arrived.

Penalties

Conditional fixed penalty

The standard fixed penalty for straightforward speeding is a £100 fine and 3 penalty points if accepted within the time limit. It avoids a court conviction for the speeding allegation, but the endorsement is recorded on the driving record. It is generally intended for cases that fall within the police's fixed-penalty criteria.

Points count for totting-up purposes for three years from the offence, although the endorsement is shown on the DVLA record for longer. The practical effect can extend beyond the fine: insurers may ask about motoring convictions and endorsements when quoting, renewing or varying cover. The offer may not be suitable or available where accepting points would create a licence-risk issue.

Band A fines (just over the limit)

Where the case goes to court for a relatively minor overspeed, the Sentencing Council guideline places it in Band A: a fine of around 50% of weekly relevant income plus 3 points. The court uses the offender's financial information to determine relevant weekly income and can adjust the result for the facts of the case.

A prompt guilty plea usually attracts up to a one-third reduction in the fine. Mitigation may include a previously good record, an isolated lapse, an early admission or circumstances that reduce, but do not excuse, culpability. Aggravating features can include poor weather, heavy traffic, carrying passengers, roadworks or a location where pedestrians and vulnerable road users are likely.

Band B fines (a clear excess)

A more significant excess falls into Band B: roughly 100% of weekly relevant income, with 4 to 6 points or a short disqualification of 7 to 28 days. This band covers the broad middle ground of contested speeds and gives magistrates a choice between points and a short discretionary ban.

The choice is fact-sensitive. The extent of the speed, the nature of the road, traffic conditions, visibility, the driver's record and the risk created can all affect the outcome. A court sentence also normally includes prosecution costs and a victim surcharge, unlike a fixed penalty, so the financial result can be materially higher than the original offer.

Band C fines (the most serious speeds)

The highest band, for example 41+ mph in a 20, 51+ in a 30, or 101+ in a 70, attracts a fine around 150% of weekly income and either 6 points or a disqualification of 7 to 56 days. Courts often consider a short ban at this level rather than points, but neither outcome is automatic.

Serious aggravating circumstances can make disqualification more likely, particularly where the speed was sustained, conditions were poor, the road was busy, or the driving exposed others to a clear risk. The statutory maximum fine still applies. A short discretionary ban does not necessarily prevent a later totting-up issue if there are other live endorsements, so the complete licence history matters.

Statutory maximum fines

Fines are capped by the road type: up to £1,000 for most roads and up to £2,500 on a motorway. Sentencing guidelines use income-related starting points, but the statutory maximum limits the fine the court can impose for the speeding offence.

Reaching the maximum is unusual and tends to involve very high speeds combined with high income or significant aggravating facts. Costs and the victim surcharge are separate financial consequences of a court case and can mean that the total payable exceeds the fine alone.

Totting-up disqualification

If the points take a driver to 12 or more within three years, the court must impose a totting-up ban of at least six months unless exceptional hardship is established. Exceptional hardship is not simply ordinary inconvenience from losing a licence. The court considers the evidence and the impact of a ban, particularly where it would affect other people.

New drivers face licence revocation at just 6 points within two years of passing. Revocation is an administrative DVLA consequence rather than a court-imposed totting ban, and passing the driving tests again is normally required before the person can hold a full licence again. Existing points, exact offence dates and the date the full test was passed should be checked carefully.

What happens, step by step

1. The alleged offence is recorded

A fixed camera, mobile camera, average-speed system or police officer records an alleged speed above the limit. The detection is logged with the date, time and location and, in camera cases, commonly includes images or digital evidence linking the vehicle to its registration mark.

Nothing is finally decided at this stage. The record begins the enforcement process and may later be supported by device evidence, an operator statement and vehicle-registration information.

2. DVLA keeper details are checked

The police normally obtain registered-keeper details from DVLA records. This explains why the first notice often goes to a leasing company, employer, hire company or former keeper rather than the person who was driving.

Each organisation or keeper receiving a valid section 172 request may need to identify the person from whom further driver information can be obtained. Delays in that chain do not necessarily invalidate the first NIP if it was served correctly on the registered keeper.

3. NIP and section 172 request are issued

The registered keeper is sent a Notice of Intended Prosecution with a section 172 request asking who was driving. The NIP should normally reach the keeper within 14 days, and the recipient must normally provide driver details within 28 days.

This is a crucial administrative stage. Keeping a copy of the completed response and proof of posting can help if a later dispute arises about whether the form was returned.

4. The driver is identified and the case is reviewed

Once the driver is identified, the police assess the alleged speed, the available evidence, the person's licence position and local force policy. The usual potential routes are a Speed Awareness Course, a conditional fixed penalty or prosecution in court.

Course eligibility is discretionary and depends on the circumstances, including recorded speed and recent course history. Higher speeds and cases outside the relevant criteria generally proceed without a course or fixed-penalty offer.

5. Course or fixed penalty is offered where appropriate

A Speed Awareness Course, if successfully completed, normally results in no points and no conviction for the speeding allegation. A conditional fixed penalty normally means £100 and 3 points. Both options have response conditions and deadlines.

A motorist can decline an offer and allow the matter to be determined by a court, but a court can impose a higher financial penalty and may impose more points or a ban. The choice is best made with an accurate understanding of the evidence and existing endorsement position.

6. Court paperwork is served

Where an out-of-court disposal is unavailable, not accepted or not completed, the case can proceed to the magistrates' court. Many straightforward cases begin through the Single Justice Procedure, with written evidence and a form inviting a guilty or not-guilty plea.

The notice must not be ignored. It may be possible to provide written mitigation in an appropriate guilty case, while a not-guilty plea normally results in a trial date. Cases involving a possible disqualification are commonly dealt with at a hearing where the motorist can attend and address the court.

7. Plea, evidence and sentencing are considered

On a guilty plea, the court applies the Sentencing Council guideline, considers financial means, and assesses aggravating and mitigating circumstances. A timely guilty plea usually attracts up to a one-third reduction in the fine, although it does not reduce penalty points or remove the possibility of disqualification.

On a not-guilty plea, the prosecution must prove the offence. The court may hear from witnesses and consider documentary or technical evidence. If convicted after trial, the early guilty-plea reduction is unavailable and prosecution costs may be higher.

8. Endorsement, payment and licence consequences follow

After sentence, points or a disqualification are recorded against the driving record. Court fines, costs and a victim surcharge become payable on the terms set by the court. A person disqualified from driving must not drive until legally entitled to do so again.

The driver should accurately answer future insurer questions about the conviction, endorsement, course or ban according to the wording and period asked about. DVLA records, insurance disclosures and the dates on which points cease to count for totting-up purposes are related but not identical matters.

Practical steps to take now

Return the section 172 form on time

Deal with the driver-identification request within 28 days, whatever view is taken about the speeding allegation. Identify the genuine driver, complete the form as required, retain a copy and use a posting method that creates a record of sending. This reduces the risk of the separate six-point failure-to-furnish allegation.

Record the dates and preserve the envelope

Make a note of the offence date, the date each notice arrived, the response deadline and any course or fixed-penalty expiry date. Keep the envelope, notice and any photographs. These details can matter if there is a genuine question about 14-day NIP service or a deadline calculation.

Check the registered keeper details

Compare the NIP address with the vehicle's DVLA registration details as they stood at the time. A recent move, purchase, sale, lease arrangement or delayed V5C update can explain why a notice went elsewhere or arrived later. It can also affect the usefulness of a late-NIP argument.

Identify the driver carefully rather than guessing

For shared vehicles, review diaries, work schedules, fuel receipts, telematics, phone calendars and journey details. Ask potential drivers promptly. The purpose is to make a truthful, properly investigated response; naming somebody merely because they are the most likely person is risky if the facts remain uncertain.

Check the full licence position before accepting points

Review existing endorsements, their offence dates and whether they remain live for totting-up. If further points might produce 12 points within three years, or six points within two years of passing, the consequences may be substantially different from an ordinary fixed-penalty case.

Read any course or fixed-penalty offer as a set of conditions

Check the specific offer's deadline, payment instructions, booking requirements and completion date. A course is not secured merely by receiving an invitation, and a fixed penalty can lapse if its conditions are not met. Save confirmation emails and receipts.

Request material only where there is a real issue to investigate

If there is a genuine basis to dispute the allegation, ask for material that may clarify it, such as photographs to assist driver identification or information relevant to the device and location. Do not assume that a police force must provide a full trial evidence bundle before a not-guilty plea; disclosure obligations are governed by the court process.

Prepare accurate financial and mitigation information for court

Where court is likely, gather recent evidence of income and essential circumstances, and prepare a clear factual account of relevant mitigation. Accurate means information helps the court apply an income-related fine properly. If exceptional hardship may be relied on, evidence of the claimed consequences is more useful than unsupported assertions.

Common mistakes

Ignoring the NIP or section 172 request

Some people assume that silence makes a camera allegation disappear, especially where they do not think the photograph clearly identifies them. It usually has the opposite effect: the driver-information request carries its own legal duty, and failure to comply can lead to six points and a separate fine.

The speeding allegation may be easier to resolve than a failure-to-furnish charge. Responding in time preserves options; ignoring later court paperwork can also result in a case being dealt with in the person's absence.

Naming the wrong driver to avoid points

Pressure from family, work or insurance costs can lead people to consider nominating somebody else. Knowingly naming a person who was not driving, or arranging for another person to accept blame, is not a harmless administrative shortcut.

It may amount to perverting the course of justice, a serious offence that can result in imprisonment. Driver information must be truthful, even where the likely speeding outcome is inconvenient.

Assuming 10% plus 2 mph is a legal allowance

The commonly quoted 10% plus 2 mph is often described as an enforcement threshold. It is not part of the statutory definition of speeding and does not give a motorist a right to drive above the limit.

The offence is committed when the applicable limit is exceeded. Force practices and equipment settings may vary, so relying on a perceived tolerance can turn a small misjudgment into an endorsement.

Confusing a late notice to the driver with a late first NIP

A company, leasing firm or registered keeper may receive the first notice within 14 days, while the actual driver receives a later notice after being nominated. People sometimes assume that the later arrival automatically ends the case.

The key issue is usually service of the first NIP on the registered keeper, subject to the legal exceptions. The dates, addresses and keeper status at the time need checking before drawing conclusions.

Missing a course deadline after receiving an offer

A course invitation can feel like the matter is already resolved, so booking is postponed. Yet eligibility depends on meeting the provider's conditions, including booking and completion within the stated period, typically around four months from the offer.

If the course is not completed in time, the no-points option can be lost. The alternative may be a fixed penalty or court proceedings, even if the original reason for the delay was understandable.

Pleading guilty without checking the points total

An early admission may be appropriate in a clear case, but motorists sometimes overlook live endorsements or the new-driver rules. The immediate allegation may appear minor while its licence effect is not.

Three, four or six additional points can trigger a totting-up hearing or revocation. Checking the record and the relevant dates before making a final decision avoids a surprise at the sentencing stage.

Treating exceptional hardship as an automatic exemption

Drivers often assume that losing work, facing inconvenience or needing a car for family life will automatically prevent a totting ban. These are common consequences of disqualification and do not by themselves establish exceptional hardship.

The court considers evidence and the particular impact, often including effects on others. An exceptional-hardship argument is different from disputing guilt or asking for mitigation, and it needs careful, truthful preparation.

Failing to disclose the outcome accurately to an insurer

Some motorists assume that points disappearing from the DVLA record means there is nothing to disclose. Insurance questions vary: an insurer may ask about convictions, endorsements, courses or bans over a defined period that does not exactly match the DVLA display period.

Answering according to the precise question and policy wording is important. Non-disclosure or an inaccurate answer can create difficulties if a policy is reviewed or a claim is made.

When to get professional help

Many low-level cases are administratively straightforward. If a first, modest alleged excess results in a course invitation or a standard fixed penalty, there may be no need for legal representation. The position changes where the recorded speed is high enough for a discretionary disqualification to be a realistic possibility, or where points would take the driver to 12 or more within three years. In those situations, advice can help explain the available procedure, sentencing range and evidence needed for any exceptional-hardship argument.

Advice is also useful where the driver is within two years of passing and an endorsement may bring them to 6 points, risking revocation under the new-driver rules. A company driver, a keeper dealing with a pool vehicle, or a hire customer may need help where several people could plausibly have driven. The section 172 obligation has its own consequences, and uncertainty about the driver is not a reason simply to ignore the form.

A regulated motoring solicitor may be appropriate where there is a genuine dispute over the NIP's service, driver identity, signage, the applicable limit, device evidence, or whether the prosecution has identified the correct vehicle and location. They can assess whether an argument is legally realistic, rather than relying on internet myths about cameras or tolerances. Early advice is particularly valuable before a response deadline expires.

Anyone facing court should also consider getting help if they need to present substantial mitigation, are at risk of losing employment or caring responsibilities through a ban, or have received paperwork they do not understand. Legal advice cannot create a defence where none exists, but it can clarify the distinction between mitigation, special reasons, exceptional hardship and a factual defence.

Frequently asked questions

How many miles per hour over the limit before I actually get a ticket?

Legally, the offence is committed when the applicable speed limit is exceeded. There is no statutory safe margin above the number shown on the sign.

Many forces use enforcement thresholds often described as 10% of the limit plus 2 mph, but this is operational guidance, not a legal right. It can vary by force and circumstances, so it is not a reliable basis for deciding how fast to drive.

What happens if I ignore the speeding letter?

Ignoring a Notice of Intended Prosecution is particularly risky where it contains a section 172 request. Failing to identify the driver within 28 days can be prosecuted as a separate offence carrying six penalty points and a fine of up to £1,000.

The speeding case can also progress through the Single Justice Procedure or magistrates' court without a response. A person may then be convicted, fined and endorsed in their absence, with fewer practical options to explain what happened.

Can I choose a Speed Awareness Course instead of points?

No. A Speed Awareness Course is not a legal right and cannot simply be demanded instead of points. It is offered at the discretion of the police force, usually where the alleged speed, driving history and other criteria fall within that force's policy.

A person who has completed a similar course in the previous three years will commonly not be offered another one. Successful completion normally means no points and no conviction for the speeding allegation, but missing the provider's deadlines can lose that outcome.

Will speeding points increase my insurance premium?

There is no single answer. A single three-point speeding endorsement may have a modest effect for one insurer and a larger effect for another, depending on the driver's age, vehicle, claims history, occupation and wider risk profile.

The usual codes include SP30 for exceeding a limit on a public road and SP50 for exceeding a motorway limit. Insurers commonly ask about motoring convictions over a specified period, often around five years, so the policy question should be read and answered accurately.

How long do speeding points stay on my licence?

For most speeding offences, points are live for totting-up purposes for three years from the date of the offence. This is the period relevant to whether a driver reaches 12 points within three years.

The endorsement is normally shown on the DVLA driving record for four years before it can be removed. That does not determine every insurance disclosure question, because insurers can ask about convictions over a different period.

Can I be banned for one speeding offence?

Yes. At high speeds, magistrates can impose a discretionary disqualification instead of points. The top band includes examples such as 41+ mph in a 20, 51+ in a 30, and 101+ in a 70, with a possible ban of 7 to 56 days.

A single case can also lead indirectly to a longer ban if the points take the driver to 12 or more within three years. The court considers speed and context, including traffic, road conditions and other aggravating features.

What if the car was a company car or leased vehicle?

The first NIP commonly goes to the registered keeper, which may be the leasing company, employer or fleet provider. That organisation may nominate the business or the person recorded as responsible for the vehicle, after which a further section 172 request is sent on.

The 14-day rule normally concerns the first notice to the registered keeper, not the date the employee or user eventually receives their own form. A company driver should still respond personally to any section 172 request addressed to them within the stated 28 days.

What if I was driving a hire car?

A hire company will often receive the first notice and provide the hirer's details under the rental agreement. The police may then issue a NIP and section 172 request directly to the hirer, sometimes weeks after the incident.

The delayed notice to the hirer does not necessarily invalidate the allegation if the hire company, as registered keeper, was served in time. Rental firms may also charge an administration fee under the hire agreement; that is separate from any police or court penalty.

What if I cannot remember who was driving?

Not remembering immediately is not the same as having no duty to respond. The recipient should make reasonable enquiries, including checking calendars, work records, fuel purchases, messages, route history and speaking with all possible drivers.

A registered keeper has a statutory defence in limited circumstances where they did not know and could not with reasonable diligence ascertain who the driver was. Whether that is made out depends on the actual enquiries and evidence, not a bare assertion that the vehicle was shared.

What does speeding mean for a new driver?

A driver who reaches 6 points within two years of passing their first full driving test faces licence revocation. This can make an apparently routine speeding endorsement much more serious for a recently qualified driver.

Revocation differs from a court disqualification. It is an administrative consequence, and the person normally has to obtain a new licence and pass the required driving tests again before regaining a full licence. The precise test-pass and offence dates matter.

Can I challenge the camera evidence or speed reading?

A challenge can be appropriate where there is a real issue, such as vehicle identity, location, the applicable limit, a credible reason to question the measurement, or evidence that the NIP requirements were not met. The prosecution must still prove the allegation if it is contested.

However, approved devices and properly documented operator evidence are frequently accepted by the court. A speculative request for calibration material or a general claim that the camera was inaccurate is unlikely to succeed without facts supporting it, and an unsuccessful trial can lead to higher costs.

Do the same rules apply in Scotland or Northern Ireland?

This page concerns England and Wales. The underlying offence of exceeding a speed limit is similar across the United Kingdom, and NIPs and driver-identification requirements are familiar concepts, but procedures and court systems are not identical.

In particular, Scotland and Northern Ireland have different legal and procedural frameworks. A motorist whose alleged offence occurred there should use guidance specific to that jurisdiction rather than relying on this page for deadlines, court process or sentencing practice.

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Related advice

  • Notice of Intended Prosecution (NIP) explained

    A Notice of Intended Prosecution is an early warning, not a conviction. Its 14-day service rule can matter, but the separate 28-day section 172 driver-identification duty is crucial: ignoring, delaying or guessing can create a more serious problem.

  • Totting up: 12 penalty points and disqualification

    Reaching 12 penalty points for offences committed within three years normally brings a compulsory totting-up disqualification. This guide explains the statutory minimum bans, how offence dates are counted, exceptional hardship evidence, court procedure, repeat arguments, and practical consequences for work, family and insurance.

Sources

Last reviewed Thu Sep 10 2026.