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How to Calculate Net Worth

How much are you worth, financially? Many people have no idea what their net worth is, although they often read about the net worth of famous people and rich business owners. Your own net worth is a good number to know, though. It can help you understand your overall financial situation and help you set goals for the future.
Make a List of All the Things You Own
Everything you own – that is, your assets – are the place to start. You want to estimate the value of each item and add them up. Don’t worry if you still owe money on these items. That will be handled later. Instead, simply find the value of each asset and list it.
Assets include:
- Money in your bank accounts, including the current balance of the account you use daily
- Value of investments, including 401k, IRAs, stocks, bonds, and CDs
- The market value of your home and any other property you own
- The value of businesses interests
- Personal valuables including art, jewelry, antiques, and more
- Cash value of your insurance policies
Once you have this list, you can put the total down as your assets.
Make a List of What You Owe
Once you know your assets, it’s time to total up your liabilities. That is, how much do you owe to others?
Here are some things that can be a part of your liabilities list:
- Student loans
- Credit card and personal debt
- Other liabilities or debts you owe
This total of this list you can write down as your liabilities.
Subtract Your Liabilities From Assets
The final step is to simply subtract your liabilities from your assets. If this number is positive, you have a positive net worth. You own more than you owe to others. On the other hand, if it’s negative, you owe people more than you own. If this is the case for you, you may want to prioritize paying down debt and saving money for the future.
Consider a Net Worth Calculator to Project Future Net Worth
There are a variety of net worth calculators online, such as the one at Bankrate.com. These allow you to enter your assets and liabilities and include the growth rates of each. Assets grow when you have an appreciation, like when your home or investment accounts increase in value. Liabilities grow when interest is added and the payments made are not enough to make up for it. Liabilities may also grow if you borrow more money.
Whether you figure your net worth manually or work it out using an online calculator, this number can help you plan for the future. Remember, it’s just money, but you can use it as a benchmark for budgeting and more.
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What Is a 10-65 Police Code? 10-65 Police Code
The 10-65 police code meaning for the police forces is net message assignment..
The usage of police codes such as 10-65 which means Net Message Assignment is designed to make the communication between the the police crew easier, faster and clearer. Instead of making mistakes in the comunnication, missplelling or stating long descriptions, stating a police code such as 10-65 is best efficient and creating a clear speech procedure.
What Is Net Message Assignment? Police Code for Net Message Assignment The Police Code for Net Message Assignment is 10-65.
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10-65 Police Code is one of the police codes used but there are tens of police codes used every day for the communication – you can listen to 10-65 Police Code using a police code scanner.
Police codes were developed during 1937–1940 and expanded in 1974 by the Association of Public-Safety Communications Officials-International (APCO).
The most used police code used is when an officer retires a call to dispatch is made. The officer gives a 10-7 code (Out of service) and then a 10-42 code (ending tour of duty).
APCO first proposed Morse code brevity codes in the June 1935 issue of The APCO Bulletin, which were adapted from the procedure symbols of the U.S. Navy, though these procedures were for communications in Morse code, not voice.
Related Poice Codes to Explore 10-66 Police Code 10-67 Police Code 10-68 Police Code 10-69 Police Code 10-7 Police Code 10-70 Police Code 10-71 Police Code 10-72 Police Code 10-73 Police Code 10-74 Police Code
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Police 10 Codes General Purpose
Police and other agencies use 10 codes to verbally communicate efficiently. The word ten (10) indicates the next number, or numbers, is code.
Police Codes
Police Radio 10-Codes
Ten-codes, also known as 10-codes or ten signals, are code words used by many police officers to aid with voice communication. The codes were originally developed in 1937 to allow for brevity, clarity, and standardization of messages transmitted over radio channels. On old radio systems, channels were limited so messages needed to be short. Also, the first syllable of speech was often not transmitted, so the syllable "ten" was prefixed to all numeric codes to ensure that the important information would be received.
Despite their usefulness, the exact meaning of ten-codes often varies between jurisdictions and locations. In addition to law enforcement, ten-codes are frequently used on Citizens' Band (CB) radio. One of the most frequently used ten-codes, 10-4 , has become popular enough to sometimes be used in every-day language.
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List of Police 10 Codes

What are Police 10 Codes?
Police 10 Codes are signals police officers, law enforcement officials, and government agencies use to talk in two-way radio communications. The codes are numbers that correspond to words, phrases, and messages frequently used in law enforcement work. Also, private citizens use certain code variations in Citizen’s Band (CB) radio transmissions.
Police officers constantly communicate with dispatch, other officers, support departments, the local jail, county correctional facilities, and others. Primarily, the codes help streamline communication and add an element of secrecy. Plus, they help shield communications from the general public.
How did Police 10 Codes Originate?
Originally, Police 10 codes were used in the United States law enforcement community before the Second World War. In 1940, the Association of Public Safety Communication Officials (APC) published the first official set of police 10 codes. These radio signals were invented to help reduce the use of speech on the police radio. In addition, the codes enable a certain amount of privacy to radio transmissions. Meaning that someone must know the meaning of the signals to understand the discussion.
In 1974, the Association of Public Safety Communication Officials expanded the use of police radio codes to make them briefer and to standardize message traffic.
Official Set of Police Ten Codes
There is no genuinely universal or official set of police 10 codes . Therefore, the meaning of a particular scanner code or signal can vary between one police jurisdiction and another. For example, police departments in the state of California will likely use different codes and signals than the state of Florida, New York, or Texas.
At first, law enforcement’s ten signals were intended to be a concise, standardized system to help officers and officials talk on the radio. However, the proliferation of different meanings has rendered it somewhat useless. Most commonly, in situations where people from different agencies and jurisdictions need to communicate with one another.
In 2005, the United States Federal Emergency Management Agency (FEMA) began discouraging using ten-codes and other law enforcement radio signals. This was due to their high variability in meaning between departments and agencies. Hence, the Department of Homeland Security may discontinue the use of the signals.
Some organizations and municipalities also use other types of police radio codes. For example, the California Highway Patrol (CHP) uses “ eleven-codes ,” and the Port Authority Police use “eight codes.” They established these to have a new and unique set of signals.
Many police departments around the country use regular English during radio conversations to ensure communication clarity. This makes things easier for the officer and dispatch. As a result, they don’t have to mentally refer back to the list of ten codes to decipher a transmission. However, this approach does eliminate any secrecy or privacy from the radio transmission.
In addition, the meaning of the unique codes may vary between police officers and other public service units. For example, Emergency Medical Services (EMS), fire departments, and other law enforcement units.
Following is a list of some of the most common police 10 codes. Again, it is essential to note that there is no universal set of police ten codes. Usage varies between departments, states, and agencies. If you are aware of any we may have missed, please comment below.
10-1 = Poor reception 10-2 = Good reception 10-3 = Stop transmitting 10-4 = Message received, affirmative, OK 10-5 = Relay this information to (name of a person, officer, etc.) 10-6 = Officer is busy 10-7 = Out of service, unavailable 10-8 = In-service 10-9 = Please repeat (please repeat the message) 10-10 = Negative (no) 10- 11 = Dog case (or another animal) 10-12 = Standby 10-13 = Civilians present and listening (this allows dispatch or other offices not to disclose sensitive information on the radio) 10-14 = Prowler report 10-15 = En route to the station with suspect 10-16 = Domestic problem 10-17 = Meet complainant 10-18 = Urgent matter 10-19 = Return to the station 10-20 = Specify location/my location is (name of location) 10-21 = Place a phone call to (name of person) 10-22 = Disregard 10-23 = Stand by on this frequency (Also, 1023 stands for “on the scene” in some areas) 10-24 = Assignment completed 10-25 = Please report in person (meeting) 10-26 = Detaining suspect 10-27 = Vehicle registration request 10-28 = Arrests/warrants found on driver’s license 10-29 = Arrests/warrants found on the vehicle 10-30 = Unnecessary use of police radio 10-31 = Crime or criminal act in progress 10-32 = Gun / firearm 10-33 = Emergency traffic follows; hold routine messages 10-34 = Radio Frequency open (cancels the 10-33 message) 10-35 = Major crime alert 10-36 = What is the correct time of day? 10-37 = Suspicious vehicle (investigate) 10-38 = Suspicious vehicle (stopping) 10-39 = False alarm; premises were occupied 10-40 = False alarm, no activity, premises appears to be secure 10-41 = Begin watch 10-42 = End of watch. Mainly, Police departments use the end-of-watch signal when an officer passes away. For instance, either in the line of duty or due to illness. The ceremony is typically conducted by the dispatcher issuing one last call to the officer, followed by a moment of silence. 10-43 = Information 10-44 = Permission to leave 10-45 = Fueling squad car/vehicle 10-46 = Provide motorist assistance 10-47 = Emergency road repair needed at 10-48 = Traffic standard repair needed at 10-49 = En route to an assignment 10-50 = Accident 10-51 = Tow truck needed 10-52 = Ambulance needed 10-53 = Road blocked at (name of location) 10-54 = Animals on the highway 10-55 = Security check (Also used for an intoxicated driver) 10-56 = Intoxicated pedestrian 10-57 = Hit-and-run accident 10-58 = Direct traffic 10-59 = Escort 10-60 = Squad in the vicinity, lock-out 10-61 = Personnel in area 10-62 = Reply to message 10-63 = Clear to copy info? 10-64 = Message for delivery 10-65 = Net message assignment 10-66 = Net message cancellation 10-67 = Person calling for help 10-68 = Dispatch message 10-69 = Confirms message received 10-70 = Prowler, fire alarm 10-71 = Gun involved, advise nature of fire 10-72 = Shooting, fire progress report 10-73 = Smoke reported 10-74 = Negative, no 10-75 = In contact with (name) 10-76 = Officer is en route / on the way 10-77 = Estimated Time of Arrival (ETA), amount of time until 10-78 = Need assistance 10-79 = bomb threat 10-80 = Bomb has exploded 10-81 = Breathalyzer report 10-82 = Reserve lodging 10-83 = Work school crossing at (location) 10-84 = If meeting _ , please advise ETA 10-85 = Delay due to (reason) 10-86 = Police officer on-duty 10-87 = Pickup 10-88 = Please lookup the present phone number of (person) 10-89 = Bomb threat 10-90 = Bank alarm going off at (location) 10-91 = Picking up a prisoner 10-92 = Improperly parked vehicle 10-93 = Blockage 10-94 = Drag racing 10-95 = Prisoner/subject is in custody 10-96 = Psych patient, a person exhibiting crazy or psychotic behavior 10-97 = Check signal (1097 also means “On Scene” in California and other areas) 10-98 = Prison break or jailbreak 10-99 = Wanted/stolen record
Other Police 10 codes
10-100 = Dead body found 10-101 = What is your status? 10-106 = Secure 10-200 = Alarm 10-999 = Officer down / officer needs help immediately. This is an SOS alert that requires immediate attention. In a situation where an officer is down, all available units will respond.
Note: These are sometimes in the format “code number” instead of using the number 10 as a prefix. For example, in some situations, the officer wouldn’t say, “I’m 10-7”, meaning they are “out of service.” Instead, the officer would say, “code seven.” Again, the style of usage may vary by department.

List of Police Scanner Codes
Following is a sample list of police scanner codes . Remember, these can vary by department, city, and geographic area.
187 = Homicide 207 = Kidnapping (207a is a kidnapping attempt) 211 = Robbery (also, the 211a scanner code means robbery with alarm, 211s is with silent alarm) 217 = Assault with intent to murder 5150 = Mental case 10851 = Auto theft / stolen vehicle 10852 = Tampering with vehicle 20001 = Hit and run – Felony 20002 = Hit and run – Misdemeanor 20007 = Hit and run – Unattended 21958 = Drunk pedestrian on the roadway 22350 = Speeding 22500 = Illegal parking 23101 = Drunk driving – with injuries 23102 = Drunk driving 23103 = Reckless driver 23104 = Reckless driver 23105 = Driver under the influence of narcotics 23109 = Auto Racing 23110 = Person throwing objects at vehicles 23151 = Drunk driving – with injuries 23152 = Drunk driver
In addition to numerical scanner codes, departments may assign a meaning to a color (e.g., blue, red, purple, etc.). For example, in some departments, Code Blue means “emergency,” similar to its use in hospitals. Also, Code purple means “gang activity.” Similarly, there is no universal standard for color codes.
Use of the Phonetic Alphabet in Radio Communication
The International Phonetic Alphabet (IPA) is an alphabetic phonetic notation system based primarily on the Latin alphabet. The International Phonetic Association developed the Phonetic Alphabet to standardize the representation of the sounds of spoken language.
Police officers, cops, military officials, private investigators, and civilians use the phonetic alphabet during radio communications. These individuals use the alphabet to communicate clearly when talking with other cops, dispatch, or officials. For example, when communicating a subject description, a tag number, or a street address. It is often used in radio communication.
Military Phonetic Alphabet
Officers may use the military phonetic alphabet when talking on the radio. Using the military phonetic alphabet helps ensure all parties understand the correct spelling of names, streets, buildings, etc. Following is a table explaining the letters of the phonetic alphabet and their pronunciation:
A = Alpha (AL fah) B = Bravo (BRAH VOH) C = Charlie (CHAR lee) D = Delta (DELL tah) E = Echo (ECK oh) F = Foxtrot (FOKS trot) G = Golf (GOLF) H = Hotel (hoh TELL) I = India (IN dee ah) J = Juliett (JEW lee ETT) K = Kilo (KEY loh) L = Lima (LEE mah) M = Mike (MIKE) N = November (no VEM ber) O = Oscar (OSS cah) P = Papa (pah PAH) Q = Quebec (keh BECK) R = Romeo (ROW me oh) S = Sierra (see AIR rah) T = Tango (TANG go) U = Uniform (YOU nee form V = Victor (VIK tah) W = Whiskey (WISS key) X = X-Ray (ECKS RAY) Y = Yankee (YANG key) Z = Zulu (ZOO loo)
Civilian Phonetic Alphabet
Following is a version of the phonetic alphabet for civilian use:
- C = Charles
- L = Lincoln
- U = Unicorn
- W = William
List of Acronyms Used by Cops During Police Work
Additionally, officers may use acronyms to shorten communications. Following are some of the most common acronyms and terms (we’re still building this part of our list, so if you know of any others, please leave a comment below):
- ADW = Assault with a Deadly Weapon
- AKA = Also Known As
- AG = Attorney General
- ATF = Alcohol Tobacco & Firearms
- B & E – Breaking and Entering
- BOLO = Be On the Lookout
- CHP = California Highway Patrol
- CRT = Code Response Team
- CI = Confidential Informant
- CO = Commanding Officer
- DA = District Attorney
- DEA = Drug Enforcement Agency
- DL = Driver’s License
- DOA = Dead On Arrival
- DOC = Department of Corrections
- DMV = Department of Motor Vehicles
- DEA = Drug Enforcement Administration
- DOB = Date Of Birth
- DUI = Driving Under the Influence
- DWI = Driving While Intoxicated
- ETA = Estimated Time of Arrival (also used in general to mean “how much time”)
- EOW = End of Watch
- FBI = Federal Bureau of Investigation
- FTA = Failure To Appear
- GTA – Grand Theft Auto
- OIS = Officer-Involved Shooting
- PD = Police Department
- PnP = Party in Play. Most often refers to a party in progress that involves drug use such as meth or ecstasy.
- POI – Person of Interest
- RHD = Robbery Homicide Division
- RP = Reporting Party
- SRT = Special Response Team
- SWAT = Special Weapons And Tactics
- VIN = Vehicle Identification Number
Other Types of Codes and Signals
Occasionally, departments may use coded names and terms to specify a unit that covers a particular geographic area, such as Patrol 1, Patrol 2, etc. For example, the code name “Patrol 1” may refer to a particular beat or a specific section of a city, town, etc.
Otherwise, there may be a special designation for supervisors, motorcycle units, swat teams, or even marine units.
Also, departments may use coded names to represent different segments, such as Squad 1, Unit 1, Team 3, etc. These may indicate the particular group responding to a call or the squad on the crime scene.
Amateur Radio Operators
Amateur radio Ham operators do not use ten codes. Instead, they use something called Q codes, which are derived from Morse code. The use of ten codes is highly discouraged in amateur Ham radio, especially among seasoned professionals. However, they are sometimes used by novice operators.
Questions, Comments, and Suggestions
If you have any questions about police ten codes, or if you’re looking for the meaning of something in particular, please leave a comment below. Also, if you’d like to take this information with you in a PDF eBook, please visit the books section.
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If you’re interested in police work, learn about the equipment and vehicles used by cops in the line of duty. Also, view a list of resources related to law enforcement agencies , associations, and more.
58 COMMENTS
You can use two-way radios to listen in on police conversations. In the United States, it is technically permissible to do so, despite the fact that regulations differ from nation to nation. To listen to police walkie talkies, use a standalone scanner.
I heard a woman officer say fish out of water 3 Times Across the scanner and I was wondering what this meant.
What does it mean when they say in a report they were assigned to the community response team, utilizing the identifier Romeo 26-xray??? please and thank you
what does hold the air mean when said by law enforcement dispatcher in San Antonio TX
It may be a request for temporary radio silence.
its a message to let others know not to transmit because they have a situation where they will need to not be transmitted over. Like a potential use of force
The following might be considered for the acronym section: RP Some agencies/jurisdictions will use this to refer to the ‘Reporting Party’.
Got a question I ve herd officers in st paul pd and metro pd and minniapolis pd all have relay channels and there’s a 4 code system for severity code 1 capital call code 2 sws ,or in persurt with just lights ,code 3 low sirens (they control the sound of sirens code 4: al clear
The use of ten codes is discouraged read again .also in GB we have RC1 RC2 RC3 race codes black white brown oriental etc etc
do you mean x5 which means times five. which means no front or back plates no license and no insurance and no registration
another common acronym now, is POI…person of interest. Either as a witness or suspect.
Under Q-codes, you said their use is discouraged? I’ve been a ham radio operator for almost 40 years now, callsign is N4LP, and that is the first time I’ve ever heard such a comment. We use Q-codes all the time, especially in Morse code transmissions, but they also drifted into voice communications long before I even became a ham. I don’t know where you got that information, but I do believe it is in error.
Their use in law enforcement is discouraged, not in other types of communications.
I have been a Ham for 32 years & for the majority of that time I’ve been very involved In ARES, RACES, SKYWARN, & MARS, I’ve been an EC, DEC, & SEC in 1 or more of these organizations. From the time that I first joined ARES & RACES in the late 80s to present day. We have been trained & encouraged to use Q codes [& Z Codes in MARS] to both expedite & simplify communications. I totally agree with you, “I don’t know where they got their information that ‘The use of the signals is highly discouraged in amateur radio use, especially among seasoned professionals. However, they are sometimes used by novice operators. They are most definitely, in error.”. 73, Jim/KBØCIR
The use of ten codes is discouraged in Ham radio use, not Q codes.
I’ve heard it too, frm a Sheriff.But he was talking about law enforcement.
In Colorado an acronym police use is ATL for Attempt To Locate
I know there are some agencies that use DLN instead of DL. All it means is Drivers License Number. Same thing but different terminology.
Officer pulled up behind me with no lights in use. Maybe a well being check? I heard dispatcher say my name with code 10-86. State of Indiana.
‘Where you actually an officer on duty though?.’ Just wondering since your context wasn’t exactly clear the way you described you situation.
What about 10-100 & 10-200 ?
The in field 10-100 is better than taking a 10-200
What code is used when an officer asks for all law enforcement help, local, state and Federal law?
Most States it’s 11-11 (Officer down / officer needs help)
Why there is no code for saying THANK YOU?
What does code 46 mean
It depends on the context in which it is being used, and on the department that is using it. The most common ten code associated with code 46 is 10-46, which means to “provide motorist with assistance.”
What is 10-89 when it definitely is NOT a bomb threat? Local police use this very frequently.
The most common use of the ten code 10-89 is bomb threat. However, some departments may assign a different meaning to it. For example, Norfolk, VA assigns the meaning “Request Additional Chief” to the 10-89 code.
In my town, it’s used to ask if the officer is secure while on a call.
What does 30 David mean,
Most likely the dispatch Callsign
When a police officer runs your name and it comes back clear but has 10-43 information what does that mean?
INTOXICATED PEDESTRIAN
It means they have information
What is 10-56? That is missing in the set up. Is there no 10-56?
10-56 is use for Intoxicated Pedestrian
What are the police asking for when they read a plate(10-28) and say with z5?
They are looking for vehicle registration information for a particular vehicle. Not sure about the z5. It may be a special code used by a particular department that provides additional information on the purpose of the request.
What does it mean when they say “go south” and not meaning like directional
Although the meaning may vary between jurisdictions and departments, the phrase “go south” is a slang term that generally means to go downward or lower in value, or into a worse condition or position. Cops may use the term to describe a situation that is about to get out of control by saying, “things are about to go south”.
It means that the situation might get bad or is going bad. Thats what it meant for us anyway. I was a federal officer for Dept. Homeland Security.
I heard some police radio traffic where the codes 715 and 630 were used. I can’t find what these mean, does anyone know?
I watched the film Triple 9 and was wondering why that code isn’t on this list. Is 999 truly the universal code for Officer down? Can you let me know?
999 is there on the list it’s the last before police scanner
Where i live its 10-13 called 3 times for officer down or in distress
I heard be sure to clear this call and 10-19 on the 313. I get all of that except the 313
Depending on the context or location, 313 may have different meanings:
313 may refer to the area code for Detroit. 313 may refer to dispatch, as in “313, please repeat last message.” 313 may be a slang term used by a particular police department.
In most cases, it is likely referring to dispatch.
If you are stopped by an officer and they radio bag you have a pending 10 what does that mean
You wouldn’t happen to know the 10 codes for Ft Myers, FL? I read the list you have published here on the site, but I see codes that are listed but mean different things here.
I would say they are “codes” not meant to be mean known by all.. Like football or military, you don’t want the other team to know exactly what you are saying.
The other day i heard an officer run a background check on someone and I over heard dispatch say 32 red white but otherwise clear and the person was free to go. However, I have never heard this code before and cannot find it anywhere. It was a california University officer. Any idea on this code i cant locate anything like that.
That particular code does not sound familiar and we weren’t able to find anything on it. It may be part of a coding system that is proprietary to California universities, or more than likely, to that particular university.
10-32 means misdemeanor warrant for arrest of that person. 10-34 Generally means felony warrants. At least here in so cal that’s what it means.
These codes are too many, how it’s possible to remember them?
Try remembering all the codes for Freeway Service Patrol in Cali. We have codes that start with 11 too.
Generally cops have “cheat sheets” so they don’t have to remember every last one of them
Also, they only use a handful of them normally.
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COMMENTS
When you think about the term “net worth,” what do you associate it with? If you’re like many of us, the first things that might come to mind are Fortune 500 companies, successful celebrities or billionaire investors.
Gross income and net income aren’t just terms for accountants and other finance professionals to understand. As it turns out, knowing the ins and outs of gross and net income can help you in a variety of ways.
How much are you worth, financially? Many people have no idea what their net worth is, although they often read about the net worth of famous people and rich business owners. Your own net worth is a good number to know, though.
The usage of police codes such as 10-65 which means Net Message Assignment is designed to make the communication between the the police crew easier
Message for Local Delivery. Crime in Progress. Eating (State Location). 10-65. Net Message Assignment. Armed Robbery. Exposure. 10-66. Message Cancellation.
10-62, Reply to Message. 10-63, Prepare Make Written Copy. 10-64, Message for Local Delivery. 10-65, Net Message Assignment. 10-66, Message Cancellation.
What does police code 10-65 mean? Police code 10-65 means Net message assignment. Related Codes. Police Code 10-62 · Police Code 10-63 · Police Code 10-64
10-16, Pick up prisoner / Reply to message ... 10-65, Net message assignment.
Signals by eraEdit ; The 80 series is reserved for assignment by nets for local use.
1 0 - 5 0 MESSAGE FOR DELIVERY BY PHONE ... 1 0 - 6 7 CLEAR FOR NET MESSAGE (APB).
Use the Message Assignment shape to construct messages by assigning one message to another, assigning individual message parts, or calling a .
... Isolate self for message; 10-62 Reply to message; 10-63 Prepare to make written copy; 10-64 Message for local delivery; 10-65 Net message assignment
q 10-64 Message for local delivery q 10-65 Net message assignment q 10-66 Message cancellation.
10-65 = Net message assignment 10-66 = Net message cancellation 10-67 = Person calling for help 10-68 = Dispatch message