Managing Existence Insurance Coverage Proceeds





The only point that makes courting more enjoyable is existence insurance policy. But if you don't understand the dates that are substantial to your plan, your dying ideas may go poorly awry. Enable's take a minute to discover about the dates in daily life insurance.



It would be best to get this sort of life insurance if the contracts would provide a money value or a funds benefit reserve. This must construct up as a acknowledged declare and go as a death benefit. But in the plan, make certain to verify if this will also be credited as certain desire to the income benefit account. In this way, you can be confident that when you do die. The beneficiaries of the insurance would be ready to unlock the property in there. In case you are still alive, you must be offered the possibility to borrow the funds value and forfeit the death advantage. You want to spend them again with fascination minus the dividends. This could nonetheless be the least expensive way to access your money when you genuinely require it.



As you pay out into a complete existence policy, the rates will increase with age. However, you can discover typical plans that will let you to spend the same high quality for your total life, if you can manage to pay higher premiums to get started with.



So, what are the massive issues? Naturally, a lot of distinct factors qualify. They can operate from the mortgage on your home to disability to your wellness. This is, nonetheless, not an distinctive checklist. You need to appraise your very own lifestyle situation with some skilled aid. That currently being stated, there are 3 regions most men and women want to get lined.



"When you decide on to personal your insurance coverage plan, you get pleasure from similar rewards to possessing property. This sort of coverage is called long term life insurance insurance. Your home loan payment is generally mounted and will not go up above time. The very same is accurate with an insurance policy that you own. Your quality will constantly remain the same. In addition, as you spend down your house loan, you're building fairness in your residence. Generally, the worth of your home goes up, also. This also occurs with your long term insurance coverage plan. Your equity - or funds price - grows above time. If you decide on specified dividend alternatives on your coverage, the loss of life reward also may expand.



IUL is comparable to Variable Existence (VL) or Variable Common Lifestyle (VUL) as the income value is based on the boosts of one or far more inventory indexes. The most typical are the DJIA, NASDAQ 100 and the S & P 500.



Sometimes the elderly particular person will get out a plan for on their own, and sometimes a loved ones member, like a grown child, will personal the plan. It is not an act of greed, but a single of fiscal arranging. Most seniors are whole life insurance willing to acknowledge this because they do want their youngsters or grandchildren to have a monetary load heaped upon them when they move absent. In face, numerous seniors are happy that they have served just take treatment of this issue, and it will take some stress off of them.



Unfortunately when the economic climate goes south, so do all those investments. That indicates proper now the funds the existence insurance policy companies have put into the stock marketplaces to make their profits is really shedding money. This is not a good position for them to be in. So, they appear up with new techniques to make cash.



Your funds values enhance each and every 12 months and are confirmed from the outset. If you own a taking part coverage you also earn dividends if the firm performs properly. This is additional to your cash price however they are distinct and independent from your cash values. Dividends are not confirmed.

Searching For Bed Wetting Alarm Info?

When purchasing your infant's new cot, you certainly do not want to be careless. Anything that your child will use should be inspected and studied diligently before you determine to purchase. There are a great deal of elements for you to consider simply because infant cots aren't precisely inexpensive and getting the wrong one can be a real discomfort. You need a piece of single mattresses furnishings that will be reliable and comfortable and will be able to maintain your child safe and pleased.



My buddies had been lecturers, several at the elementary school. I made great buddies with 1 and went to a carnival with her. She experienced a infant with her that might have been Navajo, I just can't remember. This was in about 1977. The ladies wore lengthy pleated skirts, with velour or silk over-blouses. Most of them wore lengthy beads. They had been always extremely sweet and kind to me. We all ate a good hearty food at the higher college at midday time. This was most useful simply because I didn't cook a lot. I acquired furnishings, a bureau, two mattresses and a rocking chair. I introduced my record player with me and performed my folk tunes fairly loudly, but no one complained.



Lanterns - you most most likely did remember to pack a fantastic flashlight for those night walks to the washrooms or environment up your tent in the darkish. We forgot to pack a lantern on a tenting trip in the woods of Maine and by seven:30 p.m. when things received darkish it really restricted our activities to issues around the campfire.



Of course, you can't immediately buy 1 beds without even understanding the basic facts about pillow topped mattress pads. Generally, these pads come in various fitting that mechanisms (how it is connected to your mattress), materials, and depth. All of these will guide you through the whole process of choosing the correct pads for you.



The mattress can also be worn out as time passes by. In order to keep it in great condition, try to flip the mattress from time to time. This way, you will be able to use the other side of the mattress each time. There are dents that can occur in the mattress so you require to flip it.



You want to try to eliminate the source of any sinus problems if you're experiencing coughing regularly. Something might be annoying your sinuses and creating an increased amount of drainage. Appear around your home or apartment and appear for extreme dust, mold in bathrooms around sinks, bathtubs, toilets and windows. Eliminate any hiding in plants from your bedroom, operate air cleaners in the bedroom and residing areas. Is there smoke in the house? Do you reside in a smoggy area? Is the air high quality great outdoors exactly where you reside? Are you walking or running in it?



Although your bed is usually the main issue, if it isn't then you must begin looking at the room you rest in. The bed room is there to be slept in and should be a comfortable, tension free environment to enable this, so don't have something in your bed room that isn't intended to be there. It may be, as soon as you have sorted out your bed, and you nonetheless can't rest that you have a problem with lighting or with audio interfering with your beauty rest. Track record noises can be stopped by a 'white sound' producing method that eliminates unwanted sound and utilizing a sleep mask to quit distracting mild.



After you have a few picked out on-line you can go to the shop and have the child look over the sheets to see mattresses whether they satisfy their acceptance. Whilst it may seem like a little thing it can go a long way to creating certain their comfort.

Nyc Flats And The Seekers

There are a quantity of land lords that have a very big head ache that the sites tenants would damage their NYC Flats. There are types of tenants that completely demolish the flats. These landlords have to be extremely cautious about their NYC Flats. Various reviews say that occasionally the tenants totally damage the rented flats prior to leaving. This post is all about the tension of the land lords regarding their NYC apartments.



The most acknowledged way to brooklyn apartments is to lookup online. Web has proved to be a good supply of information and it is probably simple to find something on-line. A quick and simple way to acquire info on rental charge apartments is by typing in Flats for rent in Kansas Metropolis KS and immediately a list of all feasible links will appear and you will be left with an simple task of opening every hyperlink and examining out the ones that functions very best for you.



Schooling - if you have kids than this recommendation is for you. Most likely your children will have to go to discipline in accordance to the jurisdiction of their habitation. Find out how good the colleges are for that place. That may be the most significant decision you will have to make.



From the numerous choices provided by these sites, you can select that matches your specifications and appeals to you the most. After that you can personally visit the location and finalize it. Following that you have to fill all the applications. You can change the search criterias anytime you want and can also search for the appropriate apartments in your neighborhood. This is the easiest way to get rented flats in the New York City.



nyc apartments are scarce. New York is 1 of the crowded metropolitan areas in the globe. If you want to get the nyc apartments for lease in the Large Apple then it is truly tough. Vacant locations are difficult to discover in the crowded area. On your own searching is very tough, for this initial you must appear at the classified Advertisements. You can find these advertisements in the websites such as Craig checklist and the newspapers. In accordance to your budget and specifications, you should initial kind out the places and then visit them as it is a large location.



The "traditional," way to search on Craigslist is to go to the main web site, select your condition, and then your city. You are able to lookup for rental listings there. Nevertheless, you are only searching the metropolis you selected. At this time, Craigslist.org does not all multi-city, statewide, or nationwide searches. If you are intrigued in relocating or have a broad radius in which you are prepared to transfer to, you will operate into a problem. It could take you hours or even days to discover an apartment. What are you to do?



You must verify the renters before providing them the apartments. You ought to carefully display the seekers. If you want a great renter then you have to consider the entire screening of that person. You have to be professional. Consider some ideas from other land lords. This will help you a lot in discovering a great renter.



If you have noticed more then two flats, then there are chances of you forgetting the deal with and other things. You can be puzzled so it will be better if you can prepare some notes. Make a checklist of all these issues- Address of the apartments, Contact information of the brokers, tenants and the proprietors, Quantity of the bedrooms and bathrooms, Some additional notes, Maintain all the pictures and the printed materials safely.

Online Casino Reward And How To Get It

As numerous enlightened beings have frequently said more than millennia, to discover joy and experience complete peace of thoughts you have to watch all your thoughts as a witness, just like you would watch a film from their the audience. That consists of the believed, "I ought to watch all my ideas like a witness." Indian philosophy provides an interesting, time-honored analogy to this.



Many of the on-line casinos that offer on line casino slots also offer casino bonus ideas that will either offer you match play cash or run other promotions where you can get some of the casino's cash to use as your own. Many even offer on line casino slots "player's clubs" and "VIP status" where you get a percentage of your daily on line casino slots wager back at the end of the day.



You may have 'The Nuts' (the best feasible hand) whilst playing against a participant that has an intense style of play. This is what poker fanatics reside for. Let the player believe that he or she is in control (by allowing them 'bully' you), right the way down to the river.



The bonus should be 1 of the most important concerns while choosing casino companies. A business ought to have a nicely functioning consumer casino games assistance so that you can get help anytime you need it. Choose an online casino with an easy method of payment for withdrawal as nicely as deposit. The company should be severe about your privateness.



To begin, it is essential for you to understand that there is no magic formula to getting a free Iphone. All you have to do is be in a position to adhere to some simple instructions and then the prize will be yours. Just discover a website that is offering a totally free Apple Apple iphone. Then enter your zip code to see if you are qualified. Don't be concerned if it says you are not. You can try once more in a few days, as new slots become accessible all the time.



The very best factor about studying an on-line on line casino blog is that you need not spend anything. Envision this: you get to learn something useful that can help you turn out to be a better gambler but you do not need to spend a solitary cent. All you have to do is to know where these blogs can be found and you can go right on reading and practicing their guidance till you attain your desired level of experience.



If you are at all intrigued by this you owe it to yourself to check it out. I assure you will not be dissatisfied. The very best component is that it is Totally free. It will not price you a dime. You can obtain it these days.

Containers Conserve Cash By Utilizing Clients Transport

When taking part in Mafia Wars, there are some free items that you can send to and receive from your Mafia. The much more you accumulate them, the more items you have in your loot. Right here are newest methods to gather the important items, points, power, endurance, and well being.



While at your destination, your pet ought to always activity a special identification tag apart from seen the normal one. Be certain to mark this tag with the pet's title, your title, the person to make get in touch with with at the location, the individual's phone number, and a location address. This will help you get in contact with the pet in situation it's divided. A foolproof way is to have the pet micro-chipped. Animal clinics, humane societies, kennels, and shelters all over use scanners that can read the implanted chips. This will assist you reunite with your misplaced pet. Here's good information! Microchip procedures are harmless, fast and inexpensive.



They had entered an region on the seaside landing within a "fort" produced by stacking shipping containers. When they pointed the cameras at People in america, the got a lesson in "Right of Totally free Speech" on their own! Yelling "I'm an American! I'm a reporter for (CNN/ABC/CBS?CBC/) of any business, got them slammed down difficult on the pavement, and their cameras landed difficult also. You see, when you are in a war, be it a genuine war or a "non-war", you develop the instinct of a canine, simply storage containers for sale because you want to reside. As well as not caring if the "their guy" lived or not!



With 4 of these you would have almost one,600 square ft of underground bunker space and two big residing locations and four smaller areas. 1 big living area I would devote to a kitchen area, meals storage etc. The other big living region would be devoted to a much more family or team oriented room where comparable to what a living room is now.



Sandbox - ahoy! Your boyfriend enjoys to dig a great pirate treasure Sandboat. This litter is not only nicely developed, but also the shade of a canopy and handy storage containers of sand and shovels.



Many property owners find that pods work nicely for their situations. These rent containers can easily be delivered to their homes for them to store various things in. Some individuals choose to put pointless furniture inside and other people use them to store sentimental products. People really feel safe in utilizing these containers simply because they are built to keep the outdoors elements outside. They are comfy because they know their products gained't be broken by rainwater, snowfall or the brilliant rays of the sun.



Have an "additive" readily available. Even completely pureed, some meals will still be as well thick for small ones. Stored breast milk, formula, distilled drinking water and thin rice cereal are fantastic additives that can dilute the meals for a smoother consistency and milder style.



Have fun with the process and appreciate yourself. Get the family or some friends with each other and spend the afternoon working on it. All it requires is a few good strong attempts. Purchase some pizzas or rejoice and go out for supper afterwards. In the end after all the planning your not sure where to start just start anyhow and you will discover the process take form as you go. Maintain shifting ahead and do not be frightened to make modifications as you go, but do not get too caught up attempting to make it ideal.

Who Gives Out Small Company Loans?

In what is an additional evident of the US Treasury deceiving the American public for the benefit of the present White House Administration. Plus utilizing this deception to also inflate the perception of lending to little company during the worst spend money credit score crunch in background. The US Treasury and it's secretary have once more created scandal.



It is not so easy to get this financial plan as norms for such lending strategies are very tough and tedious. To minimum the risk for loan companies t is best to place the collateral against the borrowed cash. Collateral might be in the type of genuine estate and equipment.



Website: I can't even think I have to create this down. If you have a business you Must have a web site. It's like a telephone number. You wouldn't dream of opening up store with out a phone number, would you? Web sites are inexpensive to set-up and preserve. Odds are you can access and update it your self with an suitable template. If you need small or no updates to your microloan website, that's even much better. Put up your business title, your telephone quantity and an e-mail address. Voila you have a existence on the web.



You don't need a Massive capital investment to start your company. Grants and small business loans are even accessible for women and others! You just require a fantastic mindset that you can be successful and a Large desire to do it!



If you are energetic duty or retired military, there are unexpected emergency money available. Check with your commanding officer. In reality, businesses that offer payday progress and other microloans for bad credit score dangers are required to inform army staff that they have other options.



In past, people with bad credit score rating difficult to fined easy answer of their money issue. But now with these kinds of financial loans you can get cash for any kind of urgent and unavoidable need. The best part of these loans is cash accessible inside 24 hrs. This means if you have to pay old financial debt then now you don't have to hold off just use these loans and spend your all old dues. This can be feasible due to online method. Apply these loans by way of house without any tension of massive and annoying paperwork. By way of on-line you can get mortgage approval inside few minutes and within couple of hrs you will be in a position to get cash without any tension.



Signature financial loans are very helpful little loans. These also assist when a person does not have a clear credit history. On-line forms are accessible on web making this kind of loans very easily accessible. This further makes them extremely suitable form of lending.

Vintage Glasses For Individuals Of Much Better Tastes

Skiing is a popular winter season action which numerous people enjoy. While spending times on the slopes can be a fun encounter there are reading glasses hazards involved and it pays to be well prepared. Looking after your eyes is essential particularly when the sun is shining. The reflection from the snow can be damaging for eyes and wearing suitable goggles is a way in which you can protect them.



My group was in Chicago's Rose Hill Cemetery in lookup of EVPs with a tape recorder and video camera. We went glasses frames to a famous grave - younger Bobby Franks - who was murdered in Might 1924 by the now notorious Leopold and Loeb - sons of two of Chicago's most wealthy citizens. The young men wanted to have out "the perfect criminal offense." Franks was murdered as prepared, but their perfect crime backfired when police traced a pair of eye glasses belonging to 1 of the murderers.



First, you should make sure to sunglasses consume plenty of water. Drinking water is cheap eyeglasses very important in hydrating yourself particularly when you are performing every day exercises. You need to drink at minimum eight eyeglasses of drinking water a working day to replace the lost body fluids. By drinking much more water is 1 good way on how to diet eyeglass frames for women to develop lean muscle mass.



All was not a complete waste. I satisfied a very handsome man, who was using buy lessons with me. He was about 6 years old, and quite a gentleman. We became fast friends, with him cheering me on every time I tried to dismount the chair lift. Times contact lens later on, I heard him contact out a hearty hi there to me, as he attained the base of run marked "extremely treacherous." I also discovered that they place actual, liquor serving, bars up on mountains, and that these bars make great places to conceal whilst your companion is off snowboarding, and they have damned good views, to boot.



The RainForest Cafe in Downtown Disney is exciting! You will find a volcano outdoors, forming part of the building, with a waterfall. Inside, you'll discover monkeys and apes, elephants and much more. They make loud noises each so frequently. Also intermittingly, you will enjoy the seems of the rainforest and a mild misting, just like you would in the jungle. There is usually something fascinating to appear at while dining and you really feel like you are in the Rain Forest!



Big frames are in fashion correct now, but only for sunglasses. What does this mean for you as you store for new eyeglasses? You may think about splurging for prescription sun shades with big, bold frames. These shield your eyes well and include that 'Hollywood' flair to your general appear.



A great pair of shades can enhance your swimwear if you match up the colours. Discover sunglasses that are either the same color of your swimwear or a complementary colour. You can find various colours and styles of shades to match any swimsuit. Today ladies seem drawn to the very big shades with thick, colourful frames. You can try shades with a skinny metal body if you're not into big, bold-searching sunglasses. Be certain to attempt them on in entrance of a mirror prior to buying so you can get the right size and form for your face.



Work with an emotional intelligence coach and discover how to sluggish down your reactions to issues. It will give you time to believe them via and this will nearly always deliver better outcomes.

Promotional Goods And Printing Business - How To Start Your Personal Business

Slow computer systems aren't enjoyable. They not only cause a lot of headaches, but they can also quit you from taking pleasure in your Pc, and even from performing basic best internet providers tasks, like writing some documents. Sadly, this is a typical problem which hundreds of thousands of individuals are stuck with, but not for long. You see there's really a concealed component of Windows that will get full of junk, that makes your computer slower.







(six)Your Buddies Will Gawk More than Your Designs. All your buddies are going to "ooooohh" and "ahhhh" more than your amazingly painted models. You can hide the types that didn't flip out.



Before we get going, know that affiliate marketing is not a get wealthy quick plan. You won't be earning 1000's of dollars straight absent, it takes time and work to build up a great earnings - just as it would from any other business.



So I got my bicycle out and began going on bike rides. I have a small trampoline that I leap on and various exercise devices that I circulate. I can't do the same thing all the time. Will get me bored as well rapidly. And when that happens I have a tendency to stop. So it is a should for me to keep it enjoyable and entertaining. I also began kickboxing. I could see changes in me nearly instantly.



To most people, streamlining a business indicates downsizing your workforce. Of all property, people can be seen as the simplest to reside with out, or replace. While sometimes this can be a great thing -- to banish redundancy for instance, or to clean out freeloaders - downsizing could mean overloading the employees that are still left. Once more, the foundations of your business are shaking.



Technology. Numerous parents invest $200 on handheld gadgets. Have you seen the cost of laptops recently? $300 can buy a computer and printer. Also, a laptop can be loved by the entire family. Most households do not require $2000 computers and add-ons.



Buy some higher quality headphones. You might consider purchase higher high quality headphones rather. If you are using your computer, these can plug into that. When you do upgrade to a better amplifier, these are still helpful when you require to keep the sound down. If it's just for practice, it's truly just for you to listen to.



My magic formula weapon, exposed! I use this adore photograph-sharing application for sharing my pictures on each Twitter and Facebook. And, I've established it up so when it posts to Facebook - it posts as an real photograph - not just a link to a photograph from my standing update. It goes right into my Cellular Pictures folder. You have to set up your solutions first on their web site (I setup Twitpic to feed Twitter and Facebook individually) so when I add a photograph from my Apple iphone to the Pixelpipe service - it streams it out to both (as a picture) simultaneously.

Can I Get Time Period Existence Insurance With No Examination?





I feel a whole lot of us purchased a big phrase life insurance coverage coverage when our children essential our help and our home loans still experienced a huge balance on them. We agreed with the logic for this then, and it may have been sound. By the time 20 or thirty a long time move, and our phrase guidelines expires, we would have taken treatment of most of the obligations we essential to go over. In addition to, by then we planned to have a large quantity of cost savings so we would not have to rely on a lifestyle insurance policies advantage to give our households money to just take treatment of themselves if one thing must occur to us.



In 1989, Max entered the life insurance Industry. Environment up a Multi Agency with Prudential, Zurich, Liberty Lifestyle and Tindall his prepare has constantly been to care for his family members and for his customers. The loss of life of his mom reinforced his career commitment and his determination and solve has by no means wavered for the duration of his 22 many years in illawarra enterprise. Above the several years, he has neighborhood progressed to become a Fiscal Planner.



Universal life, on the other hand, combines some attributes of insurance policy and financial savings. If you would like to discover the use of a daily life insurance policies coverage as a savings automobile, you may want to look into common. This is the most sophisticated and versatile sort, and you will surely want to do some investigation ahead of purchasing it.



The younger you are when you acquire a existence insurance policies coverage the much cheap term life insurance better. Your costs will be significantly lower. Buying existence insurance coverage for your youngsters when they are young will hold their rates lower for the rest of their life. Up to ten instances decrease!



Other issues that you must keep in mind consist of these kinds of issues as whether or not your spouse works already, and how considerably he or she can make, what kind of funeral bills are most likely to be incurred, and regardless of whether you want your term life insurance insurance policies to support your young children via college. All of these aspects will insert to the determination of how much existence insurance coverage you want.



If you file a Chapter thirteen, far more than likely you will be able to protect the complete value of the entire daily life insurance price. This is due to the fact in a Chapter thirteen, you are having to pay your collectors back again so you will be capable to hold all your property, even individuals that tumble earlier mentioned the exemption sum.



But below's the point - it's large time we talked about masculine encounter whole life insurance care, simply because there are some critical scientific specifics masculine males like you would want to know.



How well is the business rated? In other phrases is there any risk that they will not have the fiscal ability to pay the loss of life benefit? To check this out check out the web site for AM Greatest. I advise no much less than a "B" rated company.



Follow these pointers and you can be confident to land the ideal whole daily life insurance coverage insurance policies. Just always maintain in mind never to go for the initial coverage you see online. Similarly, never go for the least expensive 1 you see. This does not essentially equate to the greatest program for you. It would be very best to do comparison purchasing by acquiring various prices from different organizations and then learning the benefits as properly as down sides prior to coming up with a selection on which program to invest in.

How A Lot Of Insurance Policy Estimates Do You Really Need To Have?





I feel a great deal of us obtained a large term lifestyle insurance policy aviva life insurance when our little ones necessary our help and our mortgages nevertheless had a massive stability on them. We agreed with the logic for this then, and it may have been sound. By the time 20 or 30 many years pass, and our expression insurance policies expires, we would have taken care of most of the obligations we necessary to cover. In addition to, by then we prepared to have a large quantity of financial savings so we would not have to depend on a daily life insurance policy reward to give our households funds to get care of on their own if some thing ought to happen to us.



life insurance is a huge company and there is a good deal to know. Listed here are a number of items to get you started in your look for for the very best life insurance policy for your particular demands.



"When do I want to truly feel great, now or afterwards?" That's the true concern isn't it? When do you want to come to feel great about having to pay taxes, now or later? Many choose later on. So, allow's appear at some of the misconceptions guiding tax deferred investments.



Make confident you completely look into the organization you are considering. You can locate a business's rating in Normal and Inadequate's listing. State organizations are yet another choice that can explain to you if a company is respectable.



Although I was very mindful that term life insurance premiums experienced been lowered substantially by insurance policy companies I was not aware that the variation was so excellent. The premiums for the yr 2007 are a single 3rd of those for 1987 in many a scenario and in some situations as small as a quarter of the 1987 charges. That is a spectacular change. Why is this?



You can get phrase daily life insurance policies when your funds are down and have it upgraded to whole existence insurance policy when it improves and later get pleasure from the total benefits of complete life insurance coverage.



Sometimes the elderly man or woman will just take out a coverage for by themselves, and occasionally a loved ones member, like a developed child, will personal the policy. It is not an act of greed, but one of fiscal preparing. Most seniors are whole life insurance prepared to take this because they do want their children or grandchildren to have a monetary burden heaped on them when they go away. In experience, a lot of seniors are very pleased that they have helped consider care of this problem, and it takes some stress off of them.



When you get a life insurance policy plan bank loan, you technically borrow against the money reserve of the plan. In the extended insurance operate, your plan could create up a considerable volume of funds worth. When you spend rates to the insurer, a fraction of your payment goes to the death gain and a part of it goes to your funds reserve. As the funds worth boosts, you also get a higher likelihood of borrowing money from your money price.



Well, I do have some good news. In the earlier ten several years, existence expectancy has increased. And so existence insurance companies have in fact dropped costs. They identify a big marketplace of little one boomers and senior citizens, and they have created numerous strategies to cover them. A pretty healthful 50, sixty, or even 70 12 months previous can nonetheless locate time period daily life, and some entire life plans will even include eighty five year olds underneath some problems! You possibly are not able to find a thirty calendar year time period policy at 70, but you probably can locate an inexpensive ten yr expression policy. And whole daily life insurance policies in no way expire as long as they are kept in power.