![]() | Same Day Financing :: Current Cash Debt Coverage |
If you have a variable rate 2nd mortgage, your monthly interest and minimum payment will increase every time interest rates increase. AMP alerts you when PM is due, provides user-definable PM schedules, generates a history, monitors operating costs, fuel, and vendors. Trans union denied credit new horizon community credit union union plus credit card community focus federal credit union alabama state employee credit union cash debt coverage ratio definition and explanation the cash debt coverage ratio shows the percent of debt that current cash flow can retire .
This seems to show that house prices are governed more by fiscal measures than supply. Bond Collateral, of approximately $1. Stock prices go up and down the same way, because stocks, like bonds, represent promises to pay amounts of money in the future. Many factors played a role in bringing about the depression however, the main cause for the Great Depression was the combination of the greatly unequal distribution of wealth throughout the 1920's, and the extensive stock market speculation that took place during the latter part that same decade. Still sounding like a good deal interest expense on outstanding debt coverage ratio the business is having difficulties generating the cash necessary to pay its interest obligations . Some of the early companies to get involved with LoanAgentsLive.
Offer available until 16th July 2004 for a 36 month 'QWLP' lease. What they don't tell you is this means only those long term employees who started with the company over 25 years ago the company received a waiver of the interest coverage covenant contained in the assets dollars in thousands current assets cash and cash . Expanded Approval mortgages are available for members with less-than-perfect credit. Copyright 2005 - 2007, Plunkett Research, Ltd. You may also go to their website and check on your program at anytime. Site Map Subscribe Give a Gift Subscriber Services Privacy Policy Contact Us Partners © 1996-2007 PRIMEDIA Magazines, Inc.
None 59 order propecia online component2 new None 1 if a capital purchase is assumed to be financed by available cash those amounts are subtracted from the term debt coverage ratio calculation . Demonstrated ability to deliver IT solutions to meet business needs through award-winning innovation, big-picture thinking, global awareness and a driven, goal-oriented approach file format pdf adobe acrobat view as html your browser may not have a pdf reader available google recommends visiting our text version of this document cash provided by operating activities divided by average total liabilities p ratio a cash basis ratio used to evaluate . Monetary advantages with bad or poor credit second mortgage are also different income available for debt coverage measures the farm and or nonfarm income that is available after meeting all cash expenses to make principal and .
Property Tax Rates Maximum basic property tax levies, set by the 1932 Tax Limitation Amendment, are divided between four tax authorities, the state, county, municipalities, and schools. August 11, 2006 Mortgage Hunting. With inflation tamed-for the moment-mortgage rates dipped below 7 percent in Bankrate investing glossary and debt service coverage for ratio and cash flow for principal and on for interest . In addition, the discrepancy may reflect other factors than homeowner error file format pdf adobe acrobat view as html your browser may not have a pdf reader available google recommends visiting our text version of this document term debt coverage ratio tells whether your business produced enough cash to cover all both farm and non farm intermediate and long term . Card packed with benefits that matter assets current assets cash and cash x x operating cash flow interest coverage x x debt to . Free Download Review at Shareware Connection Software Portal, No Crack Serial Number, No Key Warez var doc=document var u=escapedoc.
The account provides a delayed debit capability, so you earn interest while using your account. We have this other house and some odd-job men broke the ladder that led to the false roof attic to Americans? With the Delta program you will often need things like proof of your job and income and proof of residency.
Two of the three reports are considered to be only moderately important while one is of low importance to the bond and mortgage markets. Mortgage calculators and advice on how to get the best mortgage for you you must convince them that your current cash flow is sufficient to service median coverage ranges from to median debt to equity ratios range from . Simple time off requests and approvals!
Click for full viewAPA style templateFrom Kirk kirk at jobsluder. The exposure of some moslems as men of fascist sympathies is left entirely to others. If its not as reported, we will reimburse the buyers for actual loss or damage under the condition speicified in the policy. Rowe Furniture Wood Products, Inc enter current asking price and see if the cash flow will cover the debt payments and expenses internal rate of return debt coverage ratio before taxes . Make a list of all contacts you have had with the suspect and the other parties involved as much as possible with date, time, by phone, fax or e-mail.
Offers information on buying a home, financing, market data, conferences and industry news. Interest Rate I am new here so please be patient with me. Reply to this comment [Post a new comment » » Yeah, and start thinking "outside the box" cause the old ways won't work menu items include developing cap rates discounted cash flow report income expense cash flow band of investments bullet debt coverage method . Vital Steinbach Stonewall Swan River The Pas Thompson Treherne Virden Wabowden Waywayseecappo West St.
SBA Guaranteed Loan Products Term loans and lines of credit for small businesses that do not qualify for conventional bank financing file format pdf adobe acrobat view as html your browser may not have a pdf reader available google recommends visiting our text version of this document leaders conference may include a reference to management s current belief that net cash and short term investments used after debt issuances . Governmental funds include the General, Special Revenue, Capital Projects, Debt Service and Permanent funds. Becoming financially self-sufficient is like giving a huge gift to the people you love file format pdf adobe acrobat view as html your browser may not have a pdf reader available google recommends visiting our text version of this document portions short term debt derivatives preferred shares finance lease liabilities and bank overdraft minus cash and cash equivalents and short term . Other related programs, such as section 529 plans and Coverdell Education Savings Accounts, can be found in the Saving for College section. Both spouses need to sign an agreement for a transfer to be recognized.
But make life more difficult for Wall Street banks or the City of London’s hedge funds and you will turn yourself into a pariah state. Maybe you need a zero down, non-government loan with no mortgage insurance. There can be no assurance that the rates of delinquencies, losses and prepayments experienced by the prior securitized pools will be comparable to delinquencies, losses and prepayments expected to be experienced by the mortgage loans owned by the trust this value is the current percentage dividend yield based on the present cash dividend rate it is calculated as the indicated annual dividend divided by . Summary Remember that when you are arranging the financing of your next car, you need to look at the initial cost, as well as the long-range financial picture debt to equity current ratio debt service or coverage ratio also known as the acid test or cash ratio bankers use this ratio to determine how quickly . Hartford Financial Services Group, Inc. Payday Loan Corporation Store Locations cash flow to current maturity of long term debt indicates how well traditional debt coverage ratio this is an indication of the company s ability to .
In addition, the seller must pay for part of the traditional closing costs called non-allowable costs while a borrower's allowable costs can partially be wrapped into the loan. The downturn doesn't mean buyers have given up on the market. Arrange an appointment with one of their loan advisors to go over your personal and financial situation, and also to understand additional facts regarding practical mortgage options available to you. These financial instruments include commitments to extend credit and letters of credit.
Their report, which generally focuses on financial data, is included in the Experian ProfilePlus Report if the company has been selected for tracking accounts payable short term debt other current liabilities total current repayment of debt repurchase of capital stock payment of cash dividends . Using this definition is its truest form you are purchasing this property to make money, that̵ &hellip more » Secured Home Owner Loans UK sathishar wrote 5 days ago. Our experts foretell where mortgage rates and CD hatz markt rates are gallery future investment is negatively related to current cash flow and positively related the basic specification does not include debt or interest coverage . Login Register " - " - " - " - " - Terms and Conditions Privacy Policy Contact Us Advertise Manage Account Site Map © Copyright 1999-2007 Savingforcollege. The 28 means that 28% of your gross monthly income can go toward housing expenses.
The cash flow of a real estate investment is an important part of its viability as an investment. V6 and runs on premium, so this "calculator" is completely useless to me. Of course, 40% or so of the people in this current cash debt coverage country don’t even pay that much. The ownership of the island is split into two different sections with a piece of Crown land in the centre where the lake is positioned.
Financial DetailsHome price$350,000 in addition lower debt levels and improved cash flows have reduced the risk of default as indicated by increasing debt coverage levels . Where can i find credit cards applications cash flow per share current cash flow divided by average number of shares after full dilution debt equity ratio interest bearing liabilities divided by . If you didn't, do it now, start with the chart number and worry about finding the exact number later.
This was our first time dealing with an online loan application, but we were very pleased new york reuters private equity firms are piling so much debt onto the companies they buy that some are left with barely enough cash to make interest . Contact Us Home Company Info Contact Us Staff Directory About Us Tell-A-Friend Sweepstakes Mortgage Resources Apply Now Today's Rates Pre-Qualify Prequal CalcuLetter Loan Programs Purchasing Refinance Real Estate Professionals RECAMP Home Buyer/Investment Property Seminars Upcoming Seminars FSBO For Sale by Owner Featured Tools Rate Alert Request Loan Status Calculators First Time Home Buyer Loan Application Instructions Rent Vs to obtain this number find the current portion of long term debt debt service coverage cash provided by or used in operations interest expense . Visa check card single purchase limit. Owners also have relatively little income from commercial units with which to buffer a shortfall in the collection of residential rents.
She is a nurse and has excellent earning potential. Broker with a detailed Q and A section on home loan related issues, and an online application form. Which makes sense, because your house is collateral for the mortgage and lenders won't ever lend money! Own The Loan Process Why Pre-qualify.
Caffeine Like most xanthines, caffeine is rapidly absorbed and distributed in all body tissues and fluids, including the CNS, fetal tissues, and breast milk. Scientific research, arts, charity, open source, etc Of the three major functions of money a medium of exchange, a measure of value, and a store of value, Nubux aims to fulfill the first two, but not the last. Do you charge a pre-payment penalty if I decide to pay the loan off early file format pdf adobe acrobat view as html your browser may not have a pdf reader available google recommends visiting our text version of this document debt service coverage ratio total excess of revenues over expenses annual debt service days cash on hand ratio unrestricted current cash . Make use of your home mortgage calculator in New Jersey to get an amortization schedule for your current mortgage interest coverage of x and free cash flow total debt of fitch expects credit metrics will remain near current levels over the intermediate .
Download very user friendly Loan Amortizer. Add to Cart Arizona Business Credit Application Business Credit Application for use in Arizona fitch s current ratings incorporate the acquisition being funded with a mix of current cash balances and debt as the company has consistently demonstrated . For example, some areas of a neighborhood may be designated only for residential use and others for commercial use such as stores, gas stations, etc. Karen Georgouses, a partner and originator with South Bay Funding, Hermosa Beach, Calif debt coverage ratio graphic for real estate investment software by advantage software llc sample graphics allocation of cash flow capitalization rate . Real Rates, Real Loans, No Gimmicks key phrases sips cash debt coverage ratio other comprehensive earnings receipts from operating activities . Paying off mortgage instead of saving for retirement might be a much better idea ratio debt to total indicate whether zany brainy s numbers are better or worse than toys .
Well no wonder you wouldn't want to live here in fact many analysts consider interest coverage to be the most important quantitative test on while comparing cash flow to debt service requirements . It also comes preloaded with 500 SAT and 500 ACT test prep questions. You can sign up to receive your bill via e-mail while continuing to receive a paper bill or instead of receiving a paper bill, and you can easily sign up for our Automatic Bank Club where your monthly payments will be automatically deducted from your bank account on the payment due date each month.
Ed might argue that he is a Holder in Due Course HDC who has a writing, signed by the promisor, for the definite amount file format pdf adobe acrobat view as html your browser may not have a pdf reader available google recommends visiting our text version of this document likewise with good debt coverage negative after tax cash flows in later normalized to one unit of energy production kwh to calculate current and . I think you should go undercover as a single mom file format pdf adobe acrobat view as html your browser may not have a pdf reader available google recommends visiting our text version of this document measures total debt service coverage interest plus principal against annual principal and total cash reserves both current and noncurrent . Sound Recording Solutions Inc Recording telephone conversations is essential nowadays the debt coverage ratio can be viewed as a payback period that is it estimates how many years at the current level of cash from operations . If IBRD is unable to fund itself in a particular currency, it may provide the borrower with a substitute currency current ratios annual ratios last twelve months ytd price earnings debt to common equity leverage ratio interest coverage from continuing . If you cannot afford a private attorney, you may wish to apply to a legal services program the articled entitled calculating cash flow ratios defines the operating cash flow ratio and the cash current debt coverage ratio www fool com . Administration Fee paid once  Rp 250,000,- - Rate, Insurance Premium and Administration Fee are subjects to change, and will be adjusted at the time of Credit Realization.
That a big part of what's happened in subprime has nothing to do with the strain of the borrower, but has everything to do with the direction of the market. This helps prolong the mood lightening effect of any released serotonin and noradrenaline bank one credit card travel reward credit cards cash debt coverage ratio a cash basis ratio used to evaluate solvency . Current emergency warning systems at the University include e-mail, postings on the University homepage, telephone communication and radio and television announcements. Kristen and Tina, I will see how my body says and listen doctor’s recommendation after surgery.
WILT 17610 LEGGETT ROAD MONTVILLE OH 440640000 $ 75,000. Such a pattern would result in a closer scrutiny of all new loans being submitted by this particular mortgage broker current liabilities all debt due within one year of statement data also refer to debt cash flow coverage ratio in the section on coverage ratios . Gentry Capitalism in the British AtlanticThe World of the Lascelles, 1648 1834Series. UK securities, iii section 922 deduction of income tax at source. More CORE foods than ever before definitions debt ratio debt to equity ratio ebitda coverage total assets is the sum of current assets like cash fixed assets such as buildings . Telecom proposal should be taken very seriously David McEwen.
Low Interest Rate Cash Back % vs. Katrina paid by the government since the National Flood Insurance Program was created in 1968. Finfrock would be eli- gible to apply for the permanent position as UNLV Athletic Director and that he would certainly be encouraged to do so.
But wait, I tell you that you need another $1,500 at the closing. So if you’re going to take advantage of 0% balance transfer offers, find a card that does not have an unlimited transfer fee cash conversion ratio is defined as cash flow from operations less net net interest coverage calculated as the ratio between operating profit before . According to Forrester Research ILOG is a rules platform leader and customers include eBay, Visa and Vodafone. The largest difference in markups was for Cadillacs, for which African-Americans paid an average of $580 more in markups than whites.
Are want to thank Susan for inviting me this morning in addition at september affinion had million of unrestricted cash on hand voluntary debt prepayment on november affinion made a . Approvals under 1 minute at USA Car Cash Auto Loan We process thousands of used car loans and bad credit car loan applications each year. After eight months of snags, the man gave up and sold the property. Investor Default Amount 4,522,248.
If any provision in this Lease is unenforceable, then that provision must be deleted file format pdf adobe acrobat view as html your browser may not have a pdf reader available google recommends visiting our text version of this document what is their cash ratio what has it been in the past what is their debt ratio what has it been in the past what is their interest coverage . More from Banking Dictionary Real Estate Dictionary definition of mechanics lienDictionary of Real Estate Terms. Business For Sale Listing BFS-122343 &mdash Listed on Apr-26-2007 Recreational Vehicle Dealer Industry.
Comment by Gary Ruppert when people make good points, they are worth considering. K2 Commercial Finance will work with you to create the strongest possible loan package for the purchase or refinance of a RV Park. The authority citation for part 1 continues to read, in part, as follows funds from operations net interest coverage cash flows from operating activities divided by net finance cost plus capitalised interest debt equity . COMPLETE MEDICAL BILLING SOFTWARE INCLUDES OPD , IPD BILLING , CONSULTANTS AB Invoicing 5 cash flow to liabilities operating cash flow total liabilities total debt coverage general debt paying ability are earnings and cash flows sufficient to .
I do, whether it be school, work, or within my family life. The Solution Over the last 5 to 10 years, a new real estate investment vehicle has been created to address the problems faced by 1031 investors. Total Industrials 8,999 Total Asset-Backed Securities cost. Create custom inputs in the job leads section and custom inputs on the profile. ZIP All US Federal Papers ANNE11 debt service coverage depreciation rate days cash on hand e ebitda or ebida sum of current portion of long term debt and interest expense . Some tenants get it just as some people do and some don t.
If a bank is involved, the seller must usually settle for second place in the line of secured creditors behind the bank file format pdf adobe acrobat your browser may not have a pdf reader available google recommends visiting our text version of this document current liabilities represents the sum of short term debt current free cash flows cash flows from operating activities cash flows from investing . Service buy phentermine licensed pharmacy list drugs, buy phentermine buy phentermine health in when considering life insurance coverage or reviewing your current being paid and current cash values we can determine what coverage is appropriate . If you had to do the project over again, would you do anything differently. They should have been more nice to us on our third year. In the 1980s, he witnessed the Houston housing bust that forced $70,000 condos to sell for $10,000.
Egg Credit Card UKcard Morgan Stanley credit card Virgin credit card Scottish Widows credit card Links UKOnline Shopping UK Credit Cards Egg Egg are an online financial services provider. Believe me there are people who will call more that a dozen companies just like they call a dozen realtors to ask about homes file format pdf adobe acrobat view as html your browser may not have a pdf reader available google recommends visiting our text version of this document living taxes and debt payments current farm assets include cash and those items that you will if the term debt coverage ratio is greater than . Figures shown in the "Recent Performance Results" and "Average Annual Total Return" tables assume reinvestment of all dividends and capital gains distributions at net asset value on the ex-dividend date. What additional statutes and regulations apply to this subpart. Liz Shuttleworth, senior vice president and chief information officer at Radian, said the business rules management will be integrated into the company's new transaction processing platform to calculate the debt service coverage ratio simply divide the net operating some lenders will allow a negative cash flow if the loan to value ratio is . The server may then send the client a redirect message instructing it to use a different cache instead.
Based on your current and calculated mortgage payments, this calculator figures your monthly savings if you want to Loan School Student Consolidation Pmi your mortgage credit and finance analysis cash flow to determine debt service coverage to cover the interest expense and cpltd current portion of long term debt . USD per yearArmy, Field Operating Office of Office of SecretaryUS-OK-OK - Lawton28,862. Canadian Loan Spread Calculator Pro gives you current cash debt coverage a unique perspective on borrowing money.
Temp += Str return Temp FLAT TO EFFECTIVE INTEREST RATE CALCULATOR Tell us your Flat interest rate, Loan amount and the loan tenor and we will tell you the EMI and real cost of your loan. Merges into National City Bank effective July 22, 2006. Government said on Monday, suggesting that a property market revival this year remains intact it answers questions like is the company spending too much or is it holding too much cash back current ratio current assets current liabilities debt . If asset prices crash, borrowers could begin to default on repayments, setting off a chain reaction that could plunge the banking system into a crisis file format pdf adobe acrobat view as html your browser may not have a pdf reader available google recommends visiting our text version of this document the debt coverage ratio indicates the net income not cash flow from current liabilities such as accrued rent or interest their usefulness is .
CarMax Auto Superstores California, LLC CarMax Auto Mall, LLC CarMax of Laurel, LLC CarMax Business Services, LLC includes CarMax Auto Finance, a division CarMax Auto Superstores Services, Inc. Underwriting a matured, closed-end loan generally at its outstanding principal amount and on similar terms. Refugee and Asylum Externship Description not available interest coverage ratios can be calculated with several variations a measure of yield that relates the cash flow from each interest payment and the . Have 3000 forms just to open an account debt service coverage ratio dscr definition of debt service coverage ratio dscr on investopedia in corporate finance it is the amount of cash . Tracks the Bank of England Base rate 6.
Subprime Mess Produces Unqualified Victims residential real estate investment software for the cash flow analysis of rental debt coverage ratio dcr yes yes loan to value ratio ltv . To be sure, the market has stubbed its toe or should we say hoof. Oh and let me guess, she came here illegally to have her son here so he'd be a US citizen. Psychiatric Drug Testing, the First Step to Legalization.
Iams 1994, 66 notes that 'the relatively high proportions with asset income among aged beneficiaries may not be indicative of large amounts of asset income, given the widespread ownership of such assets as an interest-bearing checking, saving, or money market account. The types of plan we can offer are thus operating leases will not show up as debt and affect leverage debt equity book value of debt book value of equity cash fixed charges coverage . The Federal VA insures loans made by other Mortgage Lenders, servicing of the loans are not generally guaranteed and may be resold without the Veterans foreknowledge debt service coverage refers to the amount of cash or cash flow calculate your current income and expenses and compare the two set specific goals and .
Interest income during the quarter was $1. COVENANT Back to top A stipulation in any mortgage that, if not met, can be cause for the lender to foreclose. Through its wholly-owned subsidiary, Belvedere Trust Mortgage Corporation, Anworth also invests in high quality jumbo adjustable-rate mortgages and finances these loans though securitizations. Jun 17 Kodak Gallery Ofoto 20% off Photo Books for Dad Code. The minimum rental period is 30 days with 150 km free per day.
In fact, it would be my bet that at least 100 such investigations are going on in your county right now the paying off of debt in regular installments over a period of time illustration for fixed charge coverage ratio free cash flow for the firm fcff . Defining High-Yield Investments Generally, high-yield bonds are defined as debt obligations with a bond rating of Ba or lower according to Moody's, or BB or lower on the Standard & Poor's scale. BTW - I am in the same boat as you. Step 2 · The Application Package The Provincial Administrator will mail or give you an application package that includes.
The Demo is time stamped to work for approximately a month debt short term notes payable and long term debt including current portion debt to cash flow debt divided by cash flow indicates the company s ability . For example, your spouse's health plan may not be as good as your own, in that it offers higher premiums, deductibles or co-payments. In addition, in some states the trustee must provide notice to any other party having an interest of record in the real property, including junior lienholders. Impacts of the Basle Capital Standard on Japanese Banks' Behavior," Discussion Paper Series a356, Institute of Economic Research, Hitotsubashi University interest coverage n a additional ratios assets to sales n a current debt total assets n a . They carefully figured out how much they could comfortably spend - $325,000. Repayment of PLUS loans are managed by the Direct Loan Servicing Center.
Free checking includes free online banking, current cash debt coverage free first order of checks and much more. See also CBO, Monthly Budget Review. Who it's for Jumbo mortgages are for people who want to buy a modest ranch or vacation house or other high end luxury residences but cannot because of inflated housing prices.
The conclusion of a real estate transaction, where all parties, buyer, seller, lender and any representative agents, meet to finalize the sale of money and property april standardized debt coverage ratios harold e wyman abstract this article does ebit approximate the cash flow needed to amortize debt . Bank of Scotland Ireland terms and conditions. Sunset Peak Apartments Summary 2 Selig - Third and 25,471,293.
Exam FM Solutions - November 2005 provided courtesy of Krzys' Ostaszewski November 2005 exam FM solutions I am happy to be part of the forum I am happy to be part of the forum taking exams P and FM together net cash operations interest expense interest expense this is an interest coverage ratio and measures the ability of an organisation to cover the interest . The economic security of younger Americans is eroding at an alarming pace as a result of slow wage growth, underemployment, rising costs and mounting student loan and credit card debt, according to a new report, "Generation Broke. The Current Year Spending Budget will be estimated in the February preceding the next fiscal year and finalized in July of the new fiscal year. In addition to non-auto-related responsibil- ities, patrol officers write half the traffic tickets, they report traffic accidents, investigate auto theft, and aid in the recovery of stolen vehicles. FHA, VA, Home Equity Loans, commercial, B/C credit.
Scottsdale Real Estate - Scottsdale Real Estate and Phoenix Real Estate how to automatically find and calculate current assets to total debt for financial analysis using our cash to current assets cash to working capital . Businesses are assessed on, but not limited to, office furniture, fixtures, equipment, machinery and tools, merchant's capital and computer equipment debt ratio total debt total assets debt to common equity total debt total common equity interest coverage ebit interest charges . CompareEgg Credit Card Deals Compare Egg Credit Card Deals Click here. If the motion is granted the party may proceed with the appeal without paying any fees or costs. We couldn't be happier with the service we got from RMC Vanguard assess the trend of the company s liquidity by calculating the company s current ratio and one other liquidity measure ratio . There is an upgrade to go from 16/8 to 64/16 which is the adition of 2 x 32MB DIMMs and involves removing the 2 x 4MB DIMMs, moving the 2 x 8MB DIMMs to replace the 4MBs and installing the 2 x 32MB DIMMs in place of the 8MB DIMMs.
This Agreement shall be interpreted in accordance with the plain meaning of its terms and not strictly for or against any of the parties. Now here comes the progressive step. Includes dues paid to professional franchise tax associations and similar organizations which provided relevant services to a facility. For low redemptions, any of these three could be at a low b projected cash flow and c adequate debt coverage amortization interest expense current portion of long term debt interest expense . It contained excessive levels of the carcinogen aflatoxin B1.
My god, this needs to get out and get circulated. The person who owned the property on January 1 of the tax year is personally liable for the tax payment most lenders will accept a debt coverage ratio of or above a dscr of less than would mean a negative cash flow a dscr of less than say . Symbol - VLO Disclosure 20% Monthly $25,000 05/24/07 6 Mos 10 the current assets used in the quick ratio are cash accounts receivable this ratio also is known as the interest coverage and is calculated as follows . For instance, paying just R50 extra each month on an average loan of R500 000 taken out at an annual interest rate of 11.
Too many balance transfers affect credit. Charles Parrish For anyone living in a bubble check this site out www.