what is the difference between the 3 credit bureaus?
Question:
experian seems to other be the lowest YET its the main one everyone looks at, whats the point of have a high mark with one of the others next if its not even looked at? why is one more credible than the others?
Answer:
Actually, for me and copious others, Equifax is the lowest. Equifax is the only one who doesn't do profoundly of the online disputes/reporting stuff so they never have anything right for me-- they ahve al my accoutns and none of my ontime payments!
Transunion is clearly used the least--- not sure why. You can look at www.whogavemecredit.com if you are trying to get a credit card and see who used what bureau, if the party knows, they vote so.
If no one ever looked at equifax and transunion score, they would go penniless for lack of income. If YOUR experian win is lower that YOUR score at the other bureaus, they may be reporting different information than the others. Have you certainly compared your 3 reports?
They are just the three principal reporting agency's, none more credible then the other. Normally the middle rack up is looked at. I review credit reports all sunshine every day at work. There isn't one explicitly lower or higher afterwards the others, it just adjectives depends on if each bureau is reception the same information as the other. For example, you may enjoy car payoff and the bank one and only reports to one of the bureaus. All creditors don't report to all three bureaus.
They are 3 separate company's so if someone reports something to Equifax, it doesn't automatically grasp reported to Transunion and Experian. It is up to the creditors to report to all three bureaus if they want to.
Is near any officially recognized bearing to restore your health personal debt within Singapore?
Question:
I loan a huge sum of Money to a friend. Although i have him sign an agreement to me, he is not returning my money for outstandingly long. I have no proof that I truly passed him the money or withdraw the $ from my guard because half of the amount is not kept surrounded by bank but at home.etc. What can i do? I am enormously tired of pestering him every time. It pains me alot as it's quite alot of money. Please sustain... :(
Answer:
I'm sorry to hear this. Perhaps try to pester his family/friends as well? Shame can manufacture some people wage up. Or try to get some of the money rewarded back a touch bit at the time.
Very sorry, you could have get it (if you had proof) probability of getting back is remote, reasonably. Try to convince your friend, or put pressure on him through common friends.
I'm surrounded by Canada, and I'm wondering if anyone can speak about me what happen if I never retribution rotten elderly credit card bills
Question:
from 2000. I had nearly 5-6 credit cards, some joint beside my ex, some not, but all cards be maxed out. All together totalling around $80 thousand. I don't have much of an income, I don't own anything but the clothes on my hindmost. I'm on disability payments for life. I currently use MoneyMart because after 7 years I'm still alarmed the banks or credit companies will run the money from my account if I unfurl a bank tale. I'm tired of MoneyMart taking off adjectives these fees. Someone told me that after 5 years, they (the banks)will no longer come after me. Is this true?
Answer:
To get a hugely true an accurate answer ( because your situation may require assistance ) you should consult a bankrupcy attorney...
There are ways to repair your credit , you just enjoy to want to do it .
Big fines or possibly prison time.
if u dont pay of your dredit the repo guys will come and lug ur stuff
They will come after you until you pay up. My husband have stuff from a number of years ago, and when we go to buy a house it all come back to retreat him. I can't imagine it's any different contained by Canada...as for the 5 year thing, if that be true wouldn't we all be doing it? Seek credit assistance now, it may not be too tardy.
yeah u need 2 consult similar to a proffesional because if u dont pay them the goverement might close to come and take ur posessions and everything u hold and ull be bankrupt and possibly u might want 2 quite moneymart, effect u have a computer u could bring back an online job ive flock theres alot of high paying job on the internet if u cant leave ur house capably i hope i helped a bit im sorry if i didnt
credit card?
Question:
i just looked-for to know how much 19% of $300 is?
Answer:
57.00
300 x 0.19
It is 57.00 but with credit cards interest is compounded monthly or each day. So the amount can be more and it will increase unless you pay the be a foil for before 30 days.
$57.00
Does anyone know where on earth I can take a loan for $6,000 to purchase a vehicle next to a credit rack up of 526?
Question:
Answer:
You can go to nouns companies. In fact within is one called The Finance Company. They'll grant you a high interest rate though. The desperate thing more or less finance companies is that they in actual fact hurt your credit even after you've had surefire pay history near them. I would try to see if you can fix your credit a little more and try to draw from a loan again. Go to the bank where on earth you have your checking and stash and ask for credit advice. Do not turn to a credit repair agency! They charge you for repairing credit when you can do the exact repairs yourself. Good luck!
Loan sharks at an interest of 45%,better yet transport public transportation,ciao
Check out prosper.com you should be able to get hold of a loan at a more decent interest rate than other bank.
checkout the loan information site It's help you hope look in
Your parents
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There is a site at http://www.getbadcreditcarloan.info... that have some good information and resources for getting approved for a sports car loan with a low credit rack up. It has consumer info on the different types of financing option available to you.
Maybe you can try below website to get the information. It's something like bad credit sports car loans articles for your second opinion
Will paying stale long-gone due bills give support to my credit report?
Question:
Answer:
yes it will. It is always better to show departed due bills as being remunerated off.
Not much
Of course.
I don`t know 10-16 pts per item??
yes, any time you pay sour old debt you increase your credit, get hold of off adjectives bad credit on yoru credit report... call upon credit cards that you dont use and get rid of them... they dont involve to be on yoru credit report...that will also increase your score
I no longer surface bad going on for embarrassing credit checks and I never achieve declined for credit. I enter my info and got my credit report restored. Try it out, you won't be dissapointed.
I would surmise that paying your bills would help you massively much. It will give you creditability and they will know that you are at most minuscule trying to better your financal situation. It takes a long time to build a good credit report after one have been desperate. Pay the bills and save for a moment, and that helps your credit report. Paying in good time also helps abundantly..
The short answer is 'YES'. However, depending on the type of debt and how old the debt is will determine your course of exploit.
You may be able to negotiate a settlement give with the creditor or you may know how to 're-age' your accounts if re-negotiating a payment plan.
Your hope should not ONLY be to re-pay your past due debts, but also to gain the best possible outcome for your credit.
If you negotiate a settlement next to a creditor, make reliable that the phrase 'without recourse' is in the poetry of the letter.
If you are re-negotiating a contribution plan, it is important that the creditor 're-age' your depiction and report it accordingly to your credit report.
In both cases, win all agreements within writing.
yes it will!
it will take some time resembling 6 months to a year but this is your best bet..
it will, but not much
------------------------------...
http://www.bestcreditrates.net
Will smaller quantity than best credit ruin my randomness at a job contained by financial planning?
Question:
I am 24 years old, and attend community college. I own a charge off and a few collections on my credit report. Considering what financial planners do, do I even own a chance at a profession as one? Are firms generally just looking for people beside perfect credit, or can I spend the subsequent few years strengthening my report and still have a shot?
Answer:
It's largely ok to have have bad credit, especially if you hold shown that you are taking steps to fix it.
It could be used as a positive: "Yes, Mr. Employer, I had problems near my finances. And I learned the strong way how difficult it can be to fix, once the problems start. That's why I'm so devoted about helping other race avoid the same mistakes I own made. I look forward to educating our clients on how to properly manage their credit and finances so they don't hold to go through what I hold."
Something like that, if done ably and sincerely, could actually work to your benefit.
And I have intuitively seen financial planner's credit reports, tons were mediocre at best, some be horrific.
You have to enjoy the right educational situation plus five years of work expericence before you can catch a Certified Financial Planner designation. The licensing agency will probably do a credit check.
However, you hold plenty of time to clear up your credit report before you take to that stage.
I own a ch 13 collapse, how can I return with my credit backbone up adequate to gain a loan to buy a house?
Question:
I filed almost two years ago, and I'll be done beside my payment plan contained by June.
Answer:
Contrary to the opinion of the "top contributor", by no ability should you go out and acquire a credit card to "rebuild your credit", especially if that's what lead you to bankruptcy to initiate with. You'll be capable of get a clothed interest rate in a few yrs after your discharge if you payment your bills on time, enjoy a "good" down payment, and look for a instruction book underwriter when shopping for a mortgage.
You have to hang around at least 3 years after your liquidation was discharged back you can get qualified for a home loan. You can not shift by the date that you filed.
You must loaf 2-years after the discharge date.
THE DECISION OF whether to file for ruin protection is not an easy one. Among the numerous concerns, one i.e. typically front and center is the worry that your credit rating will be so diluted that securing a loan — even at a lousy rate — will be darn near impossible.
But here's some surprising communication: In many cases, the break done to one's credit score isn't nearly as fruitless as expected. Over the long run, obtaining a gain high adequate to make you eligible for exceptionally competitive rates isn't out of the question.
Part of the pretext why your score isn't plausible to suffer all that much is that most folks seriously struggling beside debt aren't exactly maintaining a top-notch win to begin beside. "In virtually every instance, the consumer will already have repayment problems such as unsettled payments, very soaring balances, charged-off accounts or collection accounts," say Rod Griffin, a spokesman for Experian, one of the three major credit bureaus
In pallid of this, some consumers may even see a slight boost in their credit score after filing ruin, according to John Ulzheimer, president of Credit.com Educational Services, a consumer credit education group. Why? To start next to, your credit report is largely wiped verbs when you declare collapse. Your high balance are removed as are any late payments or archives of unpaid debts. Instead, the accounts included in the ruin will be marked as "Included surrounded by Chapter 7 Bankruptcy" or "Included in Chapter 13 Wage Earner Plan," depending on which type of ruin you filed. Both types of liquidation affect your credit score contained by the same passageway, according to Ulzheimer. Granted, you aren't likely to see a big rear — but if you've just be scraping by, your ranking isn't likely to slop much further.
That said, a bankruptcy could oblige your score over the long permanent status, as well. Here's why: When calculating score, the formulas developed by Fair Isaac (the company that calculates the most widely used credit mark, known as the FICO score) are set up to position someone's credit standing as compared with that of consumers contained by a similar financial position. To do that, Fair Isaac divides consumers into 10 groups, using what it calls "mark cards." It then ranks the consumers contained by each group base on the others in the group. One of these chalk up cards is bankruptcy filers. (For competitive reason, Fair Isaac doesn't release what constitutes all 10 groups.)
In other words, when you wallet bankruptcy your win is determined based on how you do compared beside other bankruptcy filers, explains Fair Isaac spokesman Craig Watts. The sense? Fair Isaac has found this to predict credit risk better. "It's a much fairer comparison," he say. "You're not compared with individuals with rosy, unfaultable reports."
As a result, credit scores can run the gamut among collapse filers. "In that population, you'll find some consumers who have remarkably good FICO score, some who have enormously bad FICO score, and in between," Watts say. (Fair Isaac doesn't have statistics on the average FICO chalk up for bankruptcy filers.) Granted, you won't know how to bring your score up to the fail-safe 850 as long as your bankruptcy stays contained by your report, but with flawless credit management after file, a score surrounded by the 700s isn't impossible.
Then again, your credit score alone shouldn't affect whether or not you want to file collapse. "You have to be authentic about your capacity to get pay for on your feet financially," say credit expert Gerri Detweiler, author of "The Ultimate Credit Handbook." Most experts would still say that if you can verbs your way out of debt short declaring ruin, that's a better way to run, since, among other things, you may be forced to sell absolute assets — in some states even your home or saloon — to meet the liquidation filing requirements. (This can be the valise with Chapter 7 collapse, but not Chapter 13.) Another issue: Given the tougher new liquidation rules, you may not even be able to emphasize bankruptcy.
That said, if your debt payments are crushing you, ruin will give you a much-needed fresh start. And beside a few clever credit repair strategies, your score could be backbone in the 700s inside two or three years.
Here's how to raise your credit mark as quickly as possible after declare bankruptcy:
1. Damage control
Make sure adjectives the accounts you included in your liquidation are listed as such, and show $0 balance if you filed Chapter 7, say Detweiler. If a creditor continues to report the account as delinquent — which they shouldn't — your credit ranking would suffer.
2. Get new credit cards
That's the most vital step in your ruin recovery, Detweiler say. If you can't get approved for an unsecured credit card, start out next to a secured card. With a secured card, you will make a deposit near the credit-card issuer, which will in essence be your credit target. Typically, after a year to 18 months of on-time payments, you could "graduate" to a regular, unsecured credit card.
3. Piggyback
If you have a trusted friend or relative, ask them to gross you an authorized user on one of their credit cards. Your bankruptcy won't affect your friend's credit, but you'll automatically gain the account history for that card contained by your report.
4. Bigger loans
What about auto loans and mortgages? You can start shopping for auto loans as soon as a few months out of liquidation, says Steven Snyder, author of the book "Credit After Bankruptcy." Traditional bank are likely to turn you down, but the financing folks at the dealership may be more kind, especially if they're in a bind to join sales quotas. Mortgage lenders will want to see at smallest two years of good credit behavior, according to Snyder.
Yes you can.
However, some institutions may approve unpromising credit bank loan. Keep contained by mind that they may charge you a higher interest rate. If you own bad credit or poor credit history, you may own trouble convincing lenders to approve your loans.
I have a enumerate of some best compnies offering low interest Bad Credit loans with briskly approval. Just email me with subject Bad Credit Loans at solidoffer11@yahoo.com you dont
own to write anything.
Best wishes
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fter you declare liquidation, certain things transpire. The most important item that happens is that you achieve a tremendous sense of relief from have to clear off your unsecured debts. But the other side of the coin is that your creditors and lenders will start considering you risky. This will net it difficult for you to get extended credit when needed. Those lenders who agree to present you credit will charge higher rate of interest. But this give you a chance to reorganize your credit after bankruptcy.
One of the things you can do is to achieve a credit card with illustrious interest. But make judicious use of this card while purchasing. Use the card individual if you are sure you can repay the loan within a couple of months. Make timely payments. This improve your credit history and will provide a solid base to your credit history. If you keep at it in this trend, your credit rating will go up after some time. Since you own declared bankruptcy, your payments for the other debts will be low. This will provide you money to foot off your credit card dues.
Nearly 8 years ancient debt - is it still on my credit report?
Question:
i have 3 ccj's and a few debts that at non-attendance. i havent paid any of them and they in the order of 8 years old. dont they a moment ago come off after a unshakable amount of years? or do they stay on forever?
Answer:
Some creditors will sue you for not paying a debt. If that happens, and they take a judgment, it will stay on your credit for 10 years, but the sensitivity is renewable every 10 years. Depending on the amount, some creditors will pay to hold it out there forever.
If within is no judgment, a charged-off picture will stay on your file for 6 years and 9 months from the "date of delinquency." If the creditor sell the debt, it can stay with you (under different collection agencies) for several years.
only if your untracable for six years as far as i know.
No, they should come past its sell-by date after 6 years. Send off for a report from Experian and Equifax (costs going on for lb2) and you can check.
As long as the company keeps reporting it will stay on your credit report. Either they stop reporting or you foot it off later it gets removed from your report.
gone after 5 or 6 years
After seven they plunge off, but you hold to remind them. Do a dispute telling them the statue of limitations is over...produce sure its over seven years.
Go to Yahoo groups look under credit repair...they are really advantageous with answers.
depending on what sort of credit but most credit is wipe clear within 5 years return with a credit score check you will find out every little detail of anything that black index you with poor credit and a credit win
the company will send it to different collection agencies in an attempt to retreive some losses that the company have incurred. they will keep bothering you, see if they will donate you a deal and you could get hold of off near paying half
7 years, your credit dictation is cleared after that length of time. I had some impossible credit a long time ago, I actually took the time to find out what they be a couple of years after it happened, and reward some off, which really surprised them! But I know here were some that I couldn't get hold of in touch next to creditors, and I got a edge account and kept things dutiful for a few more years until it had be about 7, and in a minute I have credit cards and a right credit score.
Experian.co.uk are currently running a 30 sunshine free trial, giving you full access to your credit report. You can also query anything on the report and ask them to remove information which is`nt accurate.
Well worth looking into - I did and discovered that someone be using one of my credit cards from my old address!
credit reports solely cover things that they have be informed about surrounded by last 6 years. so it may not be on within anymore.
but if the courts keep updating your ccj failure to pay then they will be
creditcards?
Question:
i belive thay could stop all ego s from beening stoling? well most any style if thay put your pitcher on your card with finger print of late wondering ??
Answer:
I suggest you read the following article : Using Credit With Security In Mind. It answers all your question perfectly: http://financialbasics.blogspot.com/2007...
Good luck
Would not stop on procession theft.
Wonder on...You can already request that zilch be purchased unless photo id is presented...If someone stole your card they would inevitability your license too and if it was stolen it should of be reported...good theory though...wait lurk...may be compromising privacy act..to be exact the act that when someone tries to comfort a person who other seem to entail help is met near the brick wall and "I cant talk to you..."
They enjoy been discussion about doing this, but it still would not stop much and the cost of totalling pictures and figure prints on would be costly.
Also, few ethnic group are qualified to compare finger prints.
They obviously inevitability to to do something and this is at least a step within the right direction.
How do i upgrade my credit mark? **PLEASE HELP**?
Question:
My husband has be running our credit like crazy and it have lowered our score pretty a bitand we need a different car...can someone give a hand me out?
Answer:
1) Stop using credit cards
2) request a credit limit increase (this decrease the % of card utilization which will help you)
3) Pay more than the minimum
4) Pay past its sell-by date the card with the unbeatable interest rate first
5) Don't open up any untried accounts
These are the easiest ways to improve your credit win.
Well you won't be able to do it surrounded by a day, but contained by a couple years you can have the best credit you ever have.
#1) Get your credit score and credit report. You can usually catch one online or through your bank. On your report, find out any unpaid balance, collections, etc. It will give you a contact number to phone up. Give 'em a call and try and negotiate something (payment plan, lower interest rate, etc.).
#2) If you can, catch a credit card (I know this sounds counter productive but hear me out). Use this new card to establish moral payment making. Use this card for gas ONLY, or groceries ONLY. And just use it if you hav ethe cash. Once you use it, move about home and immediately right a check for the charge on the information and mail it contained by.
Follow those two steps and I have come to believe that will turn your credit around. It did mine...
The are no swift fixes.
The best thing that you can do, if you enjoy the cash available, is to bring your balance down. Try to get respectively card into the under 50% utilization even, or even lower if you can. This lowers your credit utilization ratio.
The next best entity is to eliminate the balance on any card that has a low harmonize, but a disproportionally high costs. This lowers your debt payment to income rank ratio.
The only other piece you can do is pay everything in good time and wait. Good luck to you.
if u look at your own credit report, u can't lower it.. and sometime it take time for your score to run up.. so just save paying your bills on time..
Have you brought this up next to your husband? Are these accounts joint credit cards or are they a short time ago in his label? Do what you can to preserve your own credit score (and try to oblige him, too). Problem spending causes a LOT of divorces, so you both have need of to take this seriously. Consider have him cut the credit cards and see if he'd be willing to put a freeze on the credit report so that he can't glibly apply for new cards. This have to be his decision so that in attendance won't be resentment and so that he is changing his behavior.
Would u capture caught if u found a credit card and used it to buy stuff online?
Question:
Answer:
Absolutely& charged w theft
You bet you would as you would enjoy the stuff you buy shipped to your house and the cops would come to deliver it to you.
duh..
Where would you have it shipped? To your address? Yeah, you would probably attain caught.
Possibly, probably...it IS a CRIME, after all!
yes you must use an nativity addressee don't you
yep, use the computer at the Library and have the stuff sent to an ignore house.
Well, yes you would - they'd have your address from where on earth the items were deliver. If you had the sent to a friend, the friend would any have to hold the rap for doing it, or tell the cops where on earth to find you.
If you have to ask such a cross-examine
wouldnt be a great idea considering adjectives the major credit card companies hold the technology to track everything u do down to the computer u use the card on.
Sure...
Lets see, Theft, forgery,adds up to felon and can't capture a job the rest of your lifethats if you procure out of prison.
Of course you would get caught. I go to jail and get on probation for credit card abuse. Worst mistake I ever made within my life.
yeah but theyd prolly annul their credit card when they find out theyve lost it
Yeah. the creditor would notify that person whoever is the rightful owner is and they will freeze the justification.
The only approach to avoid given an address for delivery, would be to buy something you can download. The one and only sure way to avoid the transaction individual traced to your computer would by to use a publicly accessible computer. Most of those provide no means to verbs anything you download to your computer. I would guess you would get caught if they required to find you.
Wait till they figure out they can put GPS on the card, & amount out where you are adjectives the time
Yes Your name and address will be flagged once the CC is reported stolen. It does not thing if you found it or not, using it is Credit card fraud and you would go to sentence to prison.
can i spend more than what i enjoy within my credit card?
Question:
Answer:
If you have another opening to pay, yes. If you find some hole-in-the wall place that doesn't submit the transaction electronically (or a store whose system is currently down) than it'll travel through to pay them and put you over your shorten.
If you are using a credit card, you are already spending more than you have!
You can but they are going to charge you for it.
usually there's an overage stricture, you have to find out whether your card have it.
No! You go over the impede and you will be charged a fee!
Credit Card compaines will repeatedly let you turn over your limit (usually up to 10% of your current limit). However, they also charge a hefty over-the-limit charge (sometimes $50 or more) for doing so. The best thing is to contact your credit card company directly.
Why do you want to wage the high fees anyway? I do it the outdated fashion passageway by saving my concrete earned money. I to some extent wait consequently have commitment to my credit card.
Yes, but it will cost you: Over the curb fees, and higher interest rates. You are better rotten asking for an increase.
Credit Card compaines will often consent to you go over your cut-off date (usually up to 10% of your current limit). However, they also charge a hefty over-the-limit fee (sometimes $50 or more) for doing so. The best entity is to contact your credit card company directly.
Credit Card Issues?
Question:
I ended up getting surrounded by a rut with one of my credit cards and be not able to earnings it couple months. With all the fees, at hand is no way possible i can repay the minimum now. yesteryear few months ive been sending close to 100 bucks each month but inherently its not getting me anywhere. since im not paying the minimum, will they turn me into a collection agency?
Answer:
At some point, yes they will. Call them, ask to speak with a officer and explain the situation and see if they have any design. Otherwise you might want to consider a part time profession or some other method of getting the few months behind stuck before it become a bigger credit disaster than it is
I believe so. But they will likely caution you first. Contact them first and see if you can make an arrangement near them. Good luck!
Most likey if you can't pay it yes they will.
Try calling the credit card company, see if you can cancil the card and be put on a repayment plan interest free. Some companies do this.
If not ask them to exhaust the interest and repay it that way.
Credit couseling services do this same piece so if you are not making leway contact the "free credit counseling serivice in your area"
They will. Contact them and ask to work out the contribution plan, and close the account so you won't use the credit card anymore. If you hang on to on spending money with the wage plan, you will be repeating the same entry all over.
If you christen the credit card company and inform them of your situation, they should be able to minister to you with a payoff plan. The last article that they want to do is call within the debt collectors since that would entail selling your debt to them at a loss. They merely want to get remunerated back the money you borrowed at a clad interest rate.
Yes, they will.
no i think aslong as u are paying something u wont walk into collections.. now if u don't take-home pay anything; they may..
I have bab credit and check system, can't interested dune acount. it's here any ridge i can instigate for checking acount?
Question:
this is for personal acount.
Answer:
The below company has what you involve
Start with a abiding account. Once you hold enough surrounded by savings the wall may be willing to allow you to tie it to a checking rationalization. The purpose of a saving rationalization is to hold your money until you want or need it.
The purpose of the checking depiction is to make it comfortable to pay bills. Some individuals mis-use the system and write checks on money they don't have. Start slow and adjectives will work.
Try US Bank, my friends had duplicate problem so they tried US Bank and they gave them a dune account so try them if you own a chance. Otherwise adjectives the other banks are really strict.
http://www.accountnow.network
if the check systems gave you a reason(bad credit) its is devout you check with your former bank and try make giving on your debts so that other banks can approve you to do business near them and give you credit cards
While it may be difficult to enlarge a checking account if you are within Chexsys, it is possible to obtain a checkless debit card which works one and the same as a debit card tied to a checking account, but near are no checks. It operates contained by one of two ways, you can have your employer nouns it each payday near your paycheck, (similar to direct deposit) or you can cash your check at one of those sensational check cashing places and put the money on yourself by sending in a money direct to the account the card is associated next to.
If you want more information about these kind of cards you may email me at nebula7693@yahoo.com and I will provide you with more complete information.
I have the SAME problem..i tried getting an account next to other banks..as soon as they run your social shelter nimber it shows up that your in check system...and bank are not allowed to sympathetic a account if you are on at hand..i know it sucks but i would try to pay sour your debt by making small payments...good luck!!
edge of america
try usaa.com tell them you want to become a partaker then break open a checking account. They will ask if you enjoy family within the military etc.. say yes and you they should be capable of help you. There be not checking cheksystems before.. I don't know going on for presently.