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JAI CRM

AccountantJournals, assets, trial balance

Double-entry accounting where every entry balances and every correction shows

Keep your chart of accounts, journals, budgets and fixed-asset register in one place, and read your trial balance, ledger and balance sheet straight from posted entries. 56 accounts come ready for an Indian business, with GST split for buying and selling, and TDS on both sides. ₹149 per user per month, billed annually, or ₹499 for all 17 modules on the same terms.

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The chart of accounts: assets, liabilities, equity, income and expenses.
7 things it doesEvery one in the product today

What is Accountant in JAI CRM?

Accountant in JAI CRM is the double-entry journal book for one company. It gives you 56 ready accounts for an Indian business, journals that post only when debits equal credits, reversals instead of edits, period locks, recurring journals, budgets and a fixed-asset register. The trial balance, ledger and balance sheet are read live from posted journals.

What goes wrong when nobody keeps a ledger?

Documents are not books. You can have every invoice, bill and receipt in order and still not answer the first question an accountant asks.

  • Nobody can produce a trial balance

    Every invoice, bill, receipt and payment is filed. Not one of them tells you the balance on rent. Some entries never had a document: the accrual (a cost you owe but have not paid yet) for the audit fee, your opening balances from the day you started, the correction everyone agreed to in March. So they are nowhere. The first person who asks for a trial balance gets a folder.

  • A correction lands in a month you already closed

    Your figures went to the CA in April. In September someone writes an adjusting entry dated 31 March, because that is the month it belongs to. The year you signed off quietly changes. Nobody notices until this year's figures disagree with last year's. By then two other people have done the same thing, for the same good reason.

  • The rent accrual, typed twelve times a year

    Rent, the depreciation charge, the salary entry, the audit-fee provision. The same lines against the same accounts, month after month, typed by the one person who knows them. Then July is busy and August is worse. In September someone finds two months missing and has to work out which two.

  • The entry that was quietly corrected

    A figure was wrong, so someone fixed it. The number in the report changed, and nothing on the record says it ever said anything else. No date, no reason, no name. Six months later, the only honest answer to "why did this change?" is that someone thinks they remember.

  • Nobody can say what the business owns

    Ask what equipment you have and you get a number from a tab in a file your CA keeps, updated once a year around September. Which machine, bought when, what it cost, which room it is in, its serial number, and the rate it is written down at: all of that lives in four people's heads and one spreadsheet nobody else opens.

What double-entry accounting in JAI CRM does, in plain words

Nothing below is on a roadmap. Every one is in the product today, and a 14-day trial is long enough to check any of it.

Chart of accounts

Fifty-six accounts, set up before you ask

You get a ready chart of accounts (the list of every account your money can sit in) without setting anything up. It installs itself the first time anyone opens the accounts list, writes a journal, or asks for a trial balance or a balance sheet. So the first thing you see is a working chart, not an empty page and an explanation.

The trial balance: opening, debit, credit and closing for every account.
Made for an Indian business
18 asset accounts, 13 liability, 4 equity, 5 income and 16 expense. Input GST (tax you pay on purchases) is split into CGST, SGST, IGST and cess, and output GST (tax you collect on sales) is split the same way. There is TDS receivable and TDS payable (TDS is tax deducted at source). Advances to suppliers and advances from customers. Provident fund, ESI and professional tax sit as sub-accounts of salaries payable. Exempt sales are kept apart from taxable sales. Rounding accounts on both sides catch the paise that fall off a rounded invoice total. Twelve of the 56 are tax accounts.
It adds what is missing and leaves the rest alone
It matches accounts by account code, so if someone renamed accounts or added new ones, both are kept. "Restore defaults" runs the same check again. It tells you how many of the 56 it put back, or says every account in the shipped chart is already there. Running it twice cannot undo anyone's work.
What you cannot change on a built-in account
39 of the 56 carry a system key and are marked as the system's own. You can rename them freely, because a business calls its sales account whatever it likes. You cannot change what kind of account it is, and you cannot delete it. Make it inactive instead. That keeps what was already posted and stops anything new arriving.
A tree of accounts with its own rules
Sub-accounts sit under a parent account and add up into it. Fifteen of the shipped accounts are sub-accounts. When you add a sub-account, it must be the same kind as its parent, and the error message tells you what kind the parent is. Each account code is unique across the business, enforced in the database. An account with journal lines or sub-accounts under it cannot be deleted, and the message tells you how many of each it has.

Double entry

Debits and credits must match before anything reaches your books

Every journal must balance: total debits must equal total credits. A journal (a record of money moving between accounts) that does not balance is refused when someone tries to post it. The message shows both totals and the difference, instead of a red border that leaves you to find the problem.

Five things a journal cannot be
It cannot have fewer than two lines, because something is given and something is taken. One line cannot be a debit and a credit at once. A line cannot hold a negative amount; put it on the other side instead. A line cannot be zero on both sides. And the two columns must agree within nine thousandths of a rupee, which is less than a paisa.
A draft does not count in any figure
Save a journal as a draft and come back to it later. While it is a draft, the trial balance, ledger, balance sheet and budget actuals cannot see it. So an unposted journal is never the reason a report is wrong. On screen, running debit and credit totals sit under the lines, with the difference shown in red. The post button stays disabled until the two sides match.
What a line carries besides an amount
Each line can name a customer, a vendor or a staff member, a project, a cost centre, and its own description. The entry itself has a date, a narration (a short note on what it is for), a reference, tags, notes and a kind: journal, opening balance, depreciation, adjustment or closing. So you can find an entry by its purpose a year later.
Numbered like every other document, and easy to find
Each journal you write gets a number like JV/2026-27/0001. It is padded to four digits, restarts each Indian financial year from April, and is unique across the business in the database. The list works like every other list in the suite: 17 filter operators, 11 relative-date presets, quick search by number, narration and reference, saved views and the same export.

Corrections

A posted entry is never edited. It is reversed.

You cannot edit or delete a posted journal. The most common way books lose their value is a correction that looks like it was always there. Both refusals name the entry and tell you what to do instead, because a rule with no way through it only gets in the way.

Manual journals, posted and draft, each numbered JV.
The reversal is a real entry
It is dated when you choose, has every line on the other side, is described as the reversal of the original, and is posted. The two entries link to each other both ways, so you can reach either one from the other. Both stay in the books. That is the point: an entry that disappears is an entry nobody can audit.
Once, and only once
A journal that was already reversed refuses a second reversal by name, instead of quietly creating a third entry. A journal that was never posted cannot be reversed at all. There is nothing to reverse, so edit it or delete it.
Deleting a draft takes a clear yes
You must confirm it on purpose, not just click a bin icon. The deletion is recorded on the audit trail with everything else.
The audit trail covers what people actually argue about
Accounts created, changed and deleted, with before-and-after snapshots. Journals created, noting whether they were posted or left as drafts. Every post. Every reversal, naming the entry that did the reversing. Fixed assets created and changed. Every lock, and every time one was lifted, with its date.

Closing a period

Close your books on a date, and they stay closed

A transaction lock closes your books up to a date, by area: Sales, Purchases, Banking, Accountant, or everything at once. Anything in that area dated on or before the date is refused. Figures you sent out are a claim about a month. If people can still change that month, the claim means nothing.

Recurring journals for rent, depreciation and provisions, with their next date.
One date, one reason, and it holds
Set the date your books are closed to and type why. The example on screen is "Returns filed for the year", and whatever you type is shown to anyone the lock stops. Lifting the lock is a deliberate step by someone with the right to do it. It goes on the trail with a name and a time.
Checked everywhere a date can get in
Invoices, credit notes, orders and payments received fall under Sales. Bills, debit notes, expenses, payroll and payments out fall under Purchases. Bank opening balances, TDS deposits and money through a bank account fall under Banking, and journals under Accountant. Each is checked when it is created, edited, cancelled or deleted, on the list's bulk delete, on imports, and on what jobs raise: repeat invoices, subscription renewals, scheduled journals and shop orders. A payment dated after the lock can still settle an older invoice.
The refusal explains itself
It shows the lock date, quotes the reason typed by whoever closed the period, and tells you where to move the lock if the period really must reopen. Nobody is left staring at an error with no idea who did this or what to do about it.
Eight areas, each with its own permissions
Accounts, journals, templates, schedules, budgets, fixed assets, the ledger and the locks each have separate permissions, by action and by whose records a person may see. Only journals have an approve right. Only locks have a manage right. The module's own menu shows only what that person can open, so nobody sees a screen that will turn them away.

Recurring journals

Write your monthly journals once

Recurring journals raise the same entries for you on a schedule: rent, the depreciation charge, the salary entry, the provision that goes in and comes back out. A template holds the lines. A schedule raises them on a date. Neither is allowed to be quietly wrong.

The fixed-asset register: cost, purchase date, method and rate.
A template is checked when you save it
Its balance and its accounts are checked when you save it, not when you use it. So you never find out a template is wrong on the morning you are trying to close a month with it. Using a template raises a dated journal, ready to read and post.
Five frequencies, and an end date that switches it off
Daily, weekly, monthly, quarterly or yearly, with an interval from 1 to 52. A schedule can hold its own lines or point to a template. Each schedule chooses whether to post straight away or leave a draft. An accrual whose figures change every month needs checking; a fixed rent does not.
February is handled properly
Monthly dates are anchored on the day the schedule started. A journal set for the 31st lands on the 28th in February and goes back to the 31st in March. It does not drift a day earlier each month the way most schedulers do.
The nightly job is built to survive a bad night
It runs at 1 am and takes up to 200 due schedules per run. A schedule that has fallen behind raises one entry a night until it catches up, instead of dumping a year of entries at once. If one schedule fails, the reason is written on the schedule, where you will see it, and the rest still run, because a schedule that silently stops is the worst outcome here. A run due on a day whose books are closed is skipped and says so, and the next one still runs. Deleting a schedule keeps every journal it already raised, because those are real entries in your books, not copies of a schedule.

Reports

Trial balance, ledger, balance sheet and budgets, all read from posted journals

All four are worked out from your posted journal lines at the moment you open them. None of them is a stored figure that someone keeps up to date. That is why they cannot drift from your books, and why a draft never appears in any of them.

Budgets for the financial year, planned against actual.
A trial balance that tells you when it does not balance
A trial balance lists every account's balance, and total debits should equal total credits. Here it shows opening, debit, credit and closing for every account over a date range. The default range is the last twelve months, and the screen starts at 1 April of the current financial year. Opening is the account's own opening balance plus everything posted before the range. Closing is opening plus the movement, signed by the account's normal side. Accounts with no movement and no balance are left out. The totals compare closing balances, each on its own side, so an opening balance or an entry posted one-sided shows as the exact difference, because catching that is the whole point of a trial balance. An opening balance has its other side in Opening balance adjustments, so entering one does not put the books out.
Click a row to see the ledger
You see every posted line on that account in the date range, up to five thousand lines. Each shows the journal number, date, narration, reference, debit, credit and a running balance, with the opening balance at the top and the closing balance at the bottom.
A balance sheet that balances without a year-end entry
It shows assets, liabilities and equity from the very start up to a date you choose. Profit for the period is not an account anyone posts to. It is income minus expenses, and it is added to the equity side as the statement is drawn. That is what makes the two sides meet. The screen tells you either that the two sides meet, or by how much they do not.
Budgets compared with your books, not a typed-in number
A budget names a financial year, a date range and a period (monthly, quarterly or yearly), with one line per account. Actuals come from posted journals on the same accounts over the same range, every time you open it. So planned, actual, variance and percentage used are your books, not a second opinion of them. Give a line its period figures and its total is their sum, not a number typed beside them. A total that disagrees with its months always gets found in the meeting.

Fixed assets

A register of what your business owns, and how it is written down

The fixed-asset register lists what your business owns and uses rather than sells. For each item it records what it is, what it cost, when you bought it, where it is, and how it is depreciated (written down in value over time). It works out the charge, posts it as a journal, and takes an asset out of the books when it is sold or scrapped.

Three methods, and the rate each Act sets
Straight line writes off the same amount every year. Written-down value writes off a percentage of what is left. Or choose none. The yearly rate is held to three decimal places, because the Companies Act and the Income Tax Act each set a rate and they are not the same. An asset must have either a yearly rate or a useful life in months. Without one it is refused, unless its method is none.
What each asset record holds
Name, code, category, purchase date, cost, salvage value (what it will be worth at the end), the method and its rate or life, the date depreciation starts from, location, serial number and notes. You can search by name, code and serial number, so you can show that the machine on the floor and the line in the register are the same machine.
Run depreciation up to a date
Choose a date and every asset in use is charged from where it last stopped, by the day: straight line spreads cost less salvage over its life, written-down value takes its rate on what is left, and nothing goes below the salvage value. Each charge is a numbered, posted journal, Depreciation debit and Accumulated depreciation credit, that you can open, read and audit. Run it again for the same date and nothing is charged twice.
Sold or scrapped
Dispose of an asset and it is charged up to the day it went, then taken out of the books in one journal: what it fetched into the bank, its cost and what was written off cleared, and the difference to other income as a profit or other expenses as a loss. Both need Approve on journals, because both post, and both respect the transaction lock.

Who opens Accountant, and what for

Swipe through the people who use it every day.

The accountant closing a month

On the 3rd, the recurring journals were already raised overnight. The fixed ones are posted, and the accruals wait as drafts to be checked. The accountant takes the trial balance and traces any difference through the account ledger. When it ties, they lock the journal book to the month end and type the reason.

The bookkeeper who enters the day's work

Bills, expenses and payments go in as they happen. The built-in Bookkeeper role can see the chart of accounts and the journal list. It cannot write a journal, post one or close a period. So the ledger is something to check the day's work against, not something the day's work can move.

The owner asking "are we over on travel?"

Open the budget. You see planned, actual, variance and percentage used, account by account, over the budget's own date range. The actual side comes from posted journals, not typed in from last month's report. The number in the meeting and the number in the books are the same number.

The CA at year end

They get a trial balance that ties, a ledger for each account with a running balance, a register of what the business owns and what each thing cost, and an audit trail of what changed, when and by whom. They receive a set of books, not a folder. Their questions are about judgement, not arithmetic.

A business meeting its bank

You can produce a balance sheet as at any date. The year's profit is worked out as income minus expenses and added to the equity side as the statement is drawn. No closing entry has to be posted first, so the statement is ready in August when the bank asks on a Tuesday.

Project businesses and agencies

Every journal line can name a project, a cost centre and a contact. So a cost lands against the job it belongs to as well as its account. Your general ledger answers questions about jobs and departments without buying a second reporting tool.

What is different once you have it

Month end becomes checking, not building

The recurring journals were raised overnight. The trial balance, ledger, balance sheet and budget variance are live reads, not reports someone puts together. What is left is to read what is there, post what is really new, and lock the period.

Your books stop being a matter of opinion

Every correction is a second entry that names the first. Every post, every lock and every account change is on the trail with a name and a time. When a CA, a bank or a buyer asks why a figure moved, you answer with a record, not a memory. That is a very different conversation.

Your trial balance, on any day of the year

It is not a file that comes back from someone else's office in October. You see opening, debit, credit and closing for every account, over any date range you choose, worked out from posted lines when you ask. Nothing is a stored figure someone keeps up to date, so nothing goes stale between one look and the next.

A closed month stops moving

Close the journal book to a date and give the reason. A back-dated entry is then refused with an explanation, instead of being quietly accepted. An adjustment someone wants to put into last March has to go into this March, where everyone can see it.

Accountant

What it works with

On its own it is a better spreadsheet. The value arrives when what it makes is what another part uses, with nobody typing it again.

Accounting & finance

Accountant needs this module and will not run without it. Accounting & finance holds GST returns, TDS, bank accounts, expenses and payroll. Each expense, salary, payment logged on them and TDS challan posts to this ledger by itself, and each bank account has a ledger account of its own that agrees with its balance there. About Accounting & finance

Sales documents

The invoice creates what a customer owes you, and posts it here by itself: receivables against sales and output CGST, SGST or IGST. A credit note turns it round, a payment settles it, and each line names the customer. A ledger line opens the invoice it came from. About Sales documents

Procurement

The bill creates what you owe a vendor, and posts it the same way: each line to its category's account, input GST you can claim, TDS booked at the bill, and payables naming the vendor. An asset bought on a bill reaches Fixed assets. About Procurement

CRM

A journal line can carry a contact: a customer, a vendor or a staff member. So an entry about someone says so on the line, instead of leaving it to the narration. About CRM

Projects

A journal line can name a project and a cost centre. So an accrual, a depreciation charge or a correction lands against the job it belongs to, not only against an account. About Projects

Reports & analytics

The trial balance, ledgers and balance sheet can be exported. The journal and fixed-asset lists have the same filter operators, saved views and exports as every other list in the suite. About Reports & analytics

The trades it earns its place in

Take Accountant on its own, or take the lot

Priced per person, per month, in rupees, with GST shown separately. Every plan includes the basics of the whole product: custom fields, roles, reports, documents and notifications. Change plan whenever you like and nothing is typed again.

5 people

CRM + Sales Documents

Leads, customers and deals, with quotations and GST invoices

₹149 per person a month

For 5 people: ₹745 a month, billed as ₹8,940 a year. ₹10,549.20 with 18% GST.

  • Leads, customers, companies and deals
  • Quotations, sales orders and GST invoices
  • Your own mailbox, with replies filed against the record
  • Reports, dashboards and exports
  • 1 GB storage per workspace (organisation)
Start free

CRM + Sales Documents + Subscriptions + Warranty

For a business that bills on a cycle and stands behind what it sells

₹299 per person a month

For 5 people: ₹1,495 a month, billed as ₹17,940 a year. ₹21,169.20 with 18% GST.

  • Everything in CRM + Sales Documents
  • Recurring billing, plans, add-ons and coupons
  • Warranty registration and claims
  • Items and stock, which warranty is held against
  • 1 GB storage per workspace (organisation)
Start free
Most popular

Full Suite

Every module, switched on

₹499 per person a month

For 5 people: ₹2,495 a month, billed as ₹29,940 a year. ₹35,329.20 with 18% GST.

  • Every module in the product
  • Procurement, Inventory, Manufacturing and Quality
  • Books, GST returns, TDS and payroll
  • Projects, timesheets and billing
  • 5 GB storage per workspace (organisation)
Start free

Every plan, and what is in each Prices in rupees, per person, per month. Parts can also be bought on their own.

Only want Accountant?

Any single part is ₹149 per person a month on the yearly rate, with the settings, reports, documents and notifications that go with it. See every part’s price.

A part you do not buy

Is not in your menu. Not greyed out behind an upgrade message, just not there. That is why the product is sold in parts.

How many people, and can I change it?

You choose when you sign up and change it whenever you like, up or down. There is no minimum number of users and no penalty for going down.

Yearly or monthly?

Both. Yearly works out cheaper per month and is paid once at the start. Monthly costs a little more and stops at the end of any month.

Questions people ask about Accountant

Answered in full. If yours is not here, ask us. A person replies.

Ask us something
What is the Accountant module in JAI CRM?

It is double-entry accounting software for one company. You get 56 ready accounts for an Indian business, journals that post only when debits equal credits, and reversals instead of edits. It also has period locks, recurring journals, budgets and a fixed-asset register. The trial balance, ledger and balance sheet are read live from your posted journals, so they cannot drift from your books.

Who is double-entry accounting in JAI CRM for?

It is for the people who keep or check the books of one company. The accountant uses it to close each month. A bookkeeper can see the chart and the journal list without being able to post. The owner uses budgets to compare plans with actuals. Your CA gets a trial balance, ledgers, an asset register and an audit trail at year end. It does not combine two businesses into group accounts.

Do I need Accounting & finance too, and how much does Accountant cost?

Yes. Accountant lists Accounting & finance as a required module and will not run without it. Accounting & finance holds the half that comes with documents: GST returns, TDS, banking, expenses and payroll. Accountant holds the chart of accounts, the journals, and the trial balance, ledger and balance sheet read from them. Each module is ₹149 per user per month, billed annually. All 20 together are ₹499 per user per month billed annually, or ₹599 billed monthly. If you are likely to want both, the full suite is the cheaper way to buy them.

Do invoices and bills post to the ledger automatically?

Yes. Since 12 Oct 2026 every invoice, credit note, write-off, purchase bill, debit note, payment, expense, salary and TDS challan posts an entry of its own, worked out from the record and kept in step with it: edit, cancel or delete the record and its entry follows. These entries are not in Manual journals and cannot be changed by hand; they show in the ledgers and the trial balance, and each line opens the record it came from. Journals you write yourself are for what never had a document: accruals, depreciation, corrections and opening balances.

We have never kept a chart of accounts. Where do we start?

You do not have to start. The first time anyone opens the accounts list, writes a journal, or asks for a trial balance or balance sheet, 56 accounts are installed: 18 asset, 13 liability, 4 equity, 5 income and 16 expense. GST is split both ways, TDS covers both sides, advances go in both directions, and there is a bad-debts account, because writing off an invoice has to land somewhere. There is no wizard and no import step. If you later trim the chart and regret it, "Restore defaults" puts back only what is missing and leaves everything else alone.

Can I rename accounts to match what we call them?

Yes. 39 of the 56 accounts are marked as the system's own, and you can still rename them freely. A business calls its sales account whatever it likes. What you cannot change on those is the kind of account, and you cannot delete them. Making one inactive keeps what was already posted to it and stops anything new arriving. Accounts you add yourself are fully yours, with two rules: each code must be unique across the business, and a sub-account is added as the same kind as its parent.

Can anyone edit or delete a posted journal entry?

No. Editing a posted journal is refused by name, and so is deleting one. Deleting a posted entry would take money out of the books with nothing to show for it. To correct it, you reverse it: a second entry, dated when you choose, with every line on the other side, linked to the original both ways, and posted. A journal that was already reversed refuses a second attempt. A draft can be deleted after an explicit confirmation, and that deletion goes on the audit trail too.

How do I stop back-dated entries changing a month I already closed?

Lock the period. A transaction lock has a date, a reason and an area: Sales, Purchases, Banking, Accountant or Everything. Anything in that area dated on or before the date is refused: invoices, credit notes, bills, debit notes, expenses, payments, payroll runs, TDS entries and journals, whether created, edited, cancelled, deleted, imported or raised by a job. The message names the date and quotes the reason typed by whoever closed the period. A payment dated after the lock can still settle an older invoice. If the period really must reopen, someone with the right to do it moves the date, and that goes on the trail too.

Who can see and do what in the Accountant module?

Eight areas have separate permissions: accounts, journals, templates, schedules, budgets, fixed assets, the ledger and the locks. Each is set by action and by whose records a person may see. The built-in Bookkeeper role can see the chart and the journal list but cannot write a journal, post one or close a period. The built-in Accountant role gets the chart, journals, templates, schedules, budgets and the asset register. It deliberately does not get payroll or employee records, because an accountant who files GST has no business reading everybody's CTC (salary package). The trial balance, the ledgers and the period lock are separate rights again. The Administrator role holds them, and you grant them to whoever closes your books.

What happens if my trial balance does not balance?

It tells you, and it tells you by how much. Debits and credits are compared within nine thousandths of a rupee. The result carries a balanced flag either way, and the screen shows the difference and says something was posted one-sided. Click a row to open that account's ledger, with every posted line and a running balance. That is where you find the one-sided entry. Drafts never appear in the trial balance, so an unposted journal is never the cause. One thing this check will not catch: it compares debit and credit movement inside the date range. So a one-sided opening balance typed onto an account has to be looked for in the opening column instead.

How does depreciation work in JAI CRM?

The register records the basis, and you post the charge. Choose straight line, written-down value, or none for things you do not depreciate. Set a yearly rate held to three decimal places (the Companies Act and the Income Tax Act each set one, and they differ), or a useful life in months. An asset without one is refused unless its method is none. The register keeps cost, salvage value, purchase date, the date depreciation starts from, location and serial number. It does not work out the charge and post it for you. The depreciation entry is a journal, written once as a template and put on a schedule. Mark it with the depreciation kind so every one of them is a filter away later. That is a real limit, and it is the one thing on this page a spreadsheet still does better.

Do budgets compare against the actual books?

Yes, and that is the only reason to keep a budget here instead of in a spreadsheet. A budget has a date range, a period (monthly, quarterly or yearly) and one line per account. The actual side is read from posted journals on those same accounts over that same range every time you open the budget. So planned, actual, variance and percentage used cannot drift apart from the books. Give a line its period figures and the total is their sum, not a number typed beside them. A total that disagrees with its months is always discovered in the meeting.

How do I bring in opening balances from my old books?

There are two ways, and they work together. Every ledger account holds an opening balance and the date it applies from: the figure the account started with, before anything in this system. The trial balance adds it into the opening and closing columns of every account. You can also mark a journal as an opening-balance entry instead of an ordinary one. That way the entries that carried your balances in stay easy to spot a year later. After that, both are ordinary records.

Long enough to know, and it costs nothing to find out

Switch on accountant, put a week of real work through it, and see whether it holds. If it does not, walk away. We did not ask for a card.

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