If company optimization is one of your primary objectives for 2017, it’s a good idea to start putting an actionable plan together right now. Below you will find just two of many strategies you can implement to ensure that your company begins to grow this year:
1. Put Safety First.
Putting safety first is a great company optimization strategy that you should implement immediately. This step is important because emphasizing safety and implementing policies and procedures that optimize it can prevent work-related accidents. There are a variety of strategies you can deploy to make the commercial environment safer. One is by developing an evacuation plan in the event of a natural disaster such as a fire or flood. Reviewing this plan with your employees and placing it in a conspicuous area that they can refer to can help optimize safety in the workplace setting. Also note that you can purchase a wide range of safety equipment via internet. For example, the company Magna Marine Inc (MMI) is pleased to provide clients with boat safety equipment that can be purchased through their website.
2. Utilize Online Advertising Services.
In addition to putting safety first, make sure that you utilize online advertising services. These services can push your company forward in a great way by ensuring that you can extend your brand’s sphere of authority and influence to the online realm. Some of the digital marketing services you may want to attain to engender this outcome include:
• content marketing
• web design and development
• social media optimization
• responsive web design
• search engine optimization
• online reputation management
• email marketing
It’s also a good idea to seek out a digital marketing firm that can also offer you public relations services. These PR services can empower you to interact with the public in a more exciting, brand optimizing manner. Some of the PR services you may want to seek out include crisis communications, press releases, product development, and blog work. Before you purchase services from a PR company, make sure the firm in question has an excellent reputation.
Don’t Delay: Implement These Company Optimization Strategies Today!
If company growth is your primary objective for 2017, don’t delay the expansion process. Instead, start implementing techniques that are known to generate substantive results. Two techniques that may prove effective for you include putting safety first and utilizing online advertising services.
While working for hours in the office, you must have planned things your way. But, have you ever thought about the future of your work? This applies to every working individual, typically in reference to the work we all do in our offices, respectively.We all, quite often, talk about things related to our business goals and work in order to achieve them, whereas experts say that we shouldn’t discussour end goals but those we create for short terms instead.
It’s more like that we need to complete our daily tasks to make sure we meet our weekly productivity, and then monthly and so on.Irrespective of the complexity of our tasks, we need to complete them all without fail. At the same time, we need to ensure certain things with respect to our target audience, despite the assured workplace safety for our employees.In this regard, buying insurance online is a great way to save on the premium, as we need to minimize the overall cost. At the same time, we must ensure that we do not hamper our business growth.
Below are 5 ways every entrepreneur can drive economic growth:
- Provide customers with service they need
What do you think motivates individuals to become entrepreneurs?It’s the current market conditions and practical scenarios that they do not want to sustain and aim at transforming the whole process. Well,they ensure the delivery of the most appropriate services to their customers, despite the alluring marketing strategies and social media campaigns being launched by every single marketer for years.
If you’re an entrepreneur too and willing to expand your business by serving an increasingly large customer base, then you need to revolutionize your business strategies and corresponding business model of yours. Simply understand the key requirements of your target audience and start delivering them exactly the same.
- Open gates for talent
Businesses bring opportunities for talented individuals to associate with your company and serve your organizational goals. Since yours is a startup, you certainly don’t want to compromise on skills – be it customer care service, client engagement, product/service marketing, or customer management for that matter. Therefore, you need to set certain criteria for hiring the best candidates for your company.
- Integration of regional economic and commerce
The advancements in technology have led us to the era of smartphones, where we can do almost everything we need to do.For instance, from reading newspaper to sending an email, linking your girlfriend’s picture of Facebook to finding your soul mate on a matrimonial site,starting your free personal blog on WordPress to becoming a renowned blogger and a lot more is viable.
Entrepreneurs, nowadays, have enough marketing choices and corresponding opportunities to make the most out of them.Businesses, now, can expand themselves in smart ways and raise funds from the market.
Particularly, other enterprises tend to contribute when new businesses try to expand themselves into the market. As a result, the economy of that business grows and so does its market value. More and more people get to know about that company and many of them tend to purchase its products or subscribe to its services subject to their affordability.
- Technology-driven, efficient business strategies
Technology and its various real-time applications indeed have a great impact on our life at various times.However, the best way to make our nation proud is by transforming the efficient business ideas into real-time products and services that people need now or will need in the future. Smartphone applications proved to be great in this aspect and have been able to mesmerize the target audience of various enterprises in the modern era of technology.
Entrepreneurs can take ideas from these applications setting up modern business benchmarks in today’s market of extreme competition, especially on the Internet.
- Extreme competition leads to innovations
Experts state that innovations do happen only when there is an extreme competition. In fact, there is a strong bond between business, marketing, competition, and innovations. New businesses need innovations and efficient marketing ideas to start with and a growing enterprise is a leading source of job creation.
Thus, every business is crucial from two perspectives – economy growth and job creation.And, entrepreneurs do need to keep them in mind while starting up a business.
Read more about here: Significance of Car Insurance Comparison Online
There is a time in life when everyone retires and starts a new lease of life. They go through a transition from lifetime of work to getting a respite. In his retired life, he enjoys even the small pleasures of life which was otherwise always left in the backburner. Life begins at retirement but to sustain during this period and not depend on anyone else, one has to invest wisely into retirement plans. This way they can financially secure themselves and enjoy the golden years ahead in their life.
Once you invest in a retirement plan, there is a regular flow of pension money for him and his family and he gets the flexibility in choosing the retirement date and mode in which he receives the pension amount. There are certain things to keep in mind when capitalizing for the retirement plans.
It is very important to invest in a retirement plan at the earliest so that you can enjoy all the benefits after retirement.
Retirement age is the time when one decides to end the accumulation phase of money and make a transit to income phase and is largely based on the age of the person.
It is important to understand how much you will need as a pension amount and the premium cost that you can afford.
- Different types of retirement plans:
There are different types of retirement plans offered by the insurance companies in India, some of them offer fixed returns and minimal deviation, while in other, the fund is invested in equity or debt funds. In this, the returns depend on the market trend.
Deferred Annuity plans : You start paying the premium while at work for a few years and when you retire, you start receiving the pension.
Immediate Annuity plan : This is best for people who have lumpsum cash. You start receiving pension from the day you make the payment.
You must check the investment returns and rates offered by different insurance companies. You can plan your retirement process efficiently if you determine the tax status.
Pension plans are best suitable for senior citizens in the family. It offers emotional and financial stability so that you don’t have to compromise on the best things in life. It also gives double benefit of insurance and pension. Be educated about the best retirement and pension plans available in the market. You can compare the different quotes in the market before finalizing with any insurance company. This will save both your time and money.
Many people in the US, especially freelance workers, struggle to keep their personal finances organized. But with working from home on the rise, freelance workers are set to reach 40 percent of the workforce by 2020. So, whether you work as a developer, designer, translator or manager, if you want to manage your money better, check out these few tips.
Don’t get dragged down by bad credit
Before you worry about your credit rating, make sure that you get an accurate copy. There are several credit rating bureaus you can check, including Experian and TransUnion. Study your report carefully, as it may contain some errors or even include debts that you have already paid. How do you go about setting the record straight? Send a letter to the credit report company that explains the error so that they can remove it and clean your slate.
Learn how to manage your debt
Learning to manage your personal finances is about learning how to set a budget. But, before you can realistically put money aside for certain expenses, you need to pay your debt off first. This can be particularly hard for college students who graduate with thousands of dollars to pay off. But, debt can also be disguised in other forms, such as credit card debt. Start paying off the higher interest debts first and allocate money each month to pay off your debt. Later on, you can simply continue to pay out this money – into your savings account.
Set your budget
Setting a budget is vital if you want to make sure that you live to your means. When you’re a freelance worker, you may not always have the same amount of income every month. So, separating your fixed costs, such as rent and utilities, from your miscellaneous expenses, like clothing and whim purchases is vital. Cut out any spending that isn’t completely necessary, such as your daily coffee or candy bar. You can live without those, right? And every little helps.
You may need to change your habits, if you’re better at spending money than saving it. So, try to put a part of your monthly income aside, for emergency use if needed. Also, consider your mid and long term saving goals, such as taking a vacation or saving up for a deposit on a house. Consulting with a financial advisor, or downloading a savings tracking app, like Mint or Level Money can be a great help.
Get a side-line job
If you’re lucky enough to be in a position where you don’t need to take on a second job, then good for you. But, if you want to boost your income temporarily, think about taking on more clients or extra work. Thanks to technology, there’s a plethora of jobs that you can do online, from writing and design, to customer service, or even selling homemade crafts on sites like Etsy. If you’re skilled in a second language, you could apply to work with an online translation service. You’ll need to have excellent command of at least two languages and, in some cases, an additional specialty.
Look for free activities
They say that the best things in life are free. While you may crave a night in a luxury hotel or a 5-star all-inclusive, your budget may not accompany you right now. So, try to enjoy your life and include activities in it that don’t involve spending money. Take up a sport, like running or cycling – cycling to work can even help you save on bus or gas fare. Check out local events where you live and invite friends to you, rather than going out.
Learning to become finacnailly smart takes some common sense and a lot of dedication. But, if you can instil these disciplines in your spending habits today, you’ll be learning how to manage your personal finances now and for your future.
Christina Comben is Content Manager at translation and localization services provider, Day Translations. Multilingual and qualified to MBA level, Christina is passionate about writing, traveling and continued education.
A large number of Americans are not interested to know how banks perform. I discussed with them the reasons behind the 2008-recession, and how it hit our banking sector. And they showed little interest.
Wannabe private banker?
If you aspire to become a private banker, know everything about banking; why the deposit interest rate in this country has always been abysmally low? What are the differences between a retail bank and an investment bank? Everything.
Acquiring knowledge of banking is not difficult because we live in a digital world, filled with multiple channels to gather info. But preparing for this career is. Making money may be easy, but private bankers deal with rigorous financial matters; the job can be very stressful at times.
Who is a private banker? Someone with financial expertise and knowledge in banking, who works for individuals with high net worth, sort of a financial advisor, whose areas of operation are investment-centric. A private banker has clients, who are extremely wealthy, and whom he helps with investment, tax planning and wealth management advice.
The minimum qualification is an undergraduate degree. A finance degree is not necessary but recommended. Unlike other finance professionals, private bankers don’t get to work as interns while they are still studying. It’s best if you could amass some experience by working in a bank or a financial institute because that’d increase your odds of qualifying for an internship.
An aspiring private banker can choose from a range of certifications. Employers prefer a candidate with two or more certificates than another candidate, who has only one. The Chartered Financial Analyst or CFA is a certification, offered by the CFA Institute. It is widely recognized, but hard to obtain because the pursuer needs a minimum of four years of working experience as a banking professional.
The American Bankers Association (ABA) offers an initiation called The Certified Trust and Financial Advisor (CTFA). To qualify for this certification, you need to have at least three years of experience in wealth management. The Association of International Wealth Management, a non-profit organization, issues the Certified International Wealth Manager (CIWM) certification.
You need license
To start your career as a private banker, you need to get licensed. An aspirant can obtain the required licenses only from Financial Industry Regulatory Authority (FINRA), an organization that monitors the activities of the US security firms. The licenses required by private bankers are series 6, 7 and 63.
- Here’s a brief description of the licenses:
Series 6: To obtain this license, you need to crack an exam, which will last for more than 2 hours. The topics are investment, regulations and relevant moral codes. A sponsorship from a FINRA accredited firm is necessary. The holders of this license provide mutual fund related advice.
Series 7: It’s hardcore finance. If you hold this license, you could offer your clients stock market and bond market advice. You need to pass an exam to qualify for this license, which will last for six hours.
Series 63: The North American Securities Administrators Association or NASAA issues the series 63 license, not FINRA. This license is required by the individual states for professionals, who offer their clients advice on investment.
Having all three of these licenses increases your acceptance to a potential employer. So try to obtain as many licenses as you could. To charge your clients for hours, obtain a series 65 license (offered by NASAA). Here’s everything you need to know about this license.
Success depends on networking
That’s right. An extended network can fetch you excellent deals. On the other hand, if you limit your network, the odds of getting opportunities will reduce. Remember, you’ll be working for high-net-worth-individuals and maybe sometimes with ultra-high-net-worth-individuals.
Don’t get surprised if you meet a billionaire one day, whose face routinely appears on the cover page of a tabloid. Such people need private bankers. It’s an art to land a client among them. Try meeting them in informal settings because that’s when they are in a relaxing mood. Add subtlety when pursuing them, but don’t be pushy.
Not everything is rosy about the career that private bankers select. The investment decisions are not easy, more so because any such decision backfires, client would have to bear the brunt. Most investors prefer big returns, which is impossible without rigorous risk management initiatives. And managing risk is no child’s play, even for a seasoned private banker.
Moreover, as the market has become more volatile than before, investors on a row seem to prefer low-cost investment options, which preserve capital. Such options translates to lower fees for the banker.
As you have all the information now, take time and decide whether you want to be a private banker. If you don’t like taking risks, and prefer to unwind yourself after little stress, the job is not for you. So think twice, three times or maybe more than that, and only then go ahead.
Tina Roth is a personal finance blogger and author. Her passion for helping people to make solid financial decisions motivated her to start her own personal finance blog, where she writes about money management tips and frugality. She is also the community manager at the finance guest post community.
As the New Year begins, expectations in the M&A are high. There was an overall decline in activity in 2016 as compared to 2015. To most of the deal makers, it is due to the uncertainties that come with political environment. However, as the year unveils, stabilization in the new administration will dictate the market, with predictions of favors in the Mergers and Acquisition markets.
2017 Expectations in the Merger market.
2016 showed a drop in activity by a 25% decline in activity and reduction in deals. According to M. Bolsinger from Dechert; there are a lot of expectations from the new administration; running from changes in tax policies, interest rates, to other macroeconomic drivers. It is until the changes stabilize that great deals in M&A will crop. Bolsinger is also optimistic on the available opportunities in the financial sector based on the president’s elect promise to replace Dodd-Frank. From his perspective, there is uncertainty of performance in the environment and healthcare sectors.
It is also expected that M&A importance will be of significance in 2017. The US$1.7tn is the amount of money reported to be lying idle in the financial sectors, which is expected to be put in the M&A market for a significant whopping change. Also, there is the need to invest in the organic growth around the world. According to J, Packee, Baird, most investors concentrate on the inorganic investment. It is reported that dry powder stood at US$800bn in Q3 which would have been invested in the sector.
The first quarter of 2017 is expected to show an increasing trend in the deal activity due to the sudden drop of uncertainties from the pre-election period. According to Eurazzo, who works for an international investment company in Paris, the drop in uncertainties can be seen from the trends in the US stock market.
In addition, higher expectations in the M&A deal sector is linked to the emphasis on quality of deals in 2016 which slowed down activities. It is however expected to be different in the first and second quarters of 2017, since there is more confidence in the inventory deal as high quality deals venture the market.
Expectations in the private equity activity in 2017
It is reported that private equity activity in 2016 in North America remained strong, which is in contrast with the drop in the corporate M&A. In the first, second and third quarters of 2016, there were 781 private equity deals valued at US1bn, which is just five fewer from 786 deals in 2015. The technology, industrial and chemicals, and the business services sectors are the top three sectors that largely contributed to the private equity deals in 2016.
According to West Monroe, the last seven years have recorded such a high competition in the private equity deals. This is due to the emphasis in quality deals, speed and valuation, and availability of active strategic buyers. Also, the financial sponsors have made the private equity business easy and convenient. This is because, private equity firms assemble portfolio companies and then roll up add-ons to those companies.
However, according to Bolsinger, the high competition is due to: fewer and fewer large-cap deals; and availability of very acquisitive strategies that sit on a lot of cash while still fostering big threats to the private equities.
Eurazzo sees the long term deals between a business owner and a private equity firm much more sufficient than the short term deals. This is due to the fact that businesses take long to be more productive.
The driving force of the increase in the inbound deal value by 21% in mid-market M&A.
The inbound deal value went up by 21% to US$22.9bn in Q1-Q3 in 2016 especially from the Asia based acquirers. The Asian countries engage in M&A for various reasons such as acquiring better technology or to expand their market share.
The success of great deals in M&A is the buying of beneficial brands and investing back to the countries’ businesses to enhance them. Also, a strict state control helps in improving M&A deals as evident from the China State Council.
The challenges facing the M&A deals.
Cultural differences makes it difficult for some investors to invest and succeed in foreign areas. This is due to political and cultural differences, as well as communication barriers. However, buying a well-established business can conquer the challenges.
The expansion of private debt for M&A activity.
In 2016, the closed end private debt fund had more than US$131bn, which is the highest amount recorded ever. The increased debts according to Monroe is due to the low interest rates. Also, investors have turned up in large numbers to seek for direct lending, which proves to be more convenient rather than the traditional way of banking market.
How business owners are finding successful ways to fund their business with working capital cash flow
In today’s finance world, many business owners still have difficulties in getting approved for small business loans for working capital with little or no business assets and not much profit. It is very difficult to get working capital in today’s economy. This working capital is lifeline for many small business owners to survive through any financial crunch that comes up for alternative financing. Read this article for some helpful tips for easy business funding for working capital for critical daily cash flow needed.
It is getting difficult day by day for business owners to get approved for business loans. Credit unions and traditional banks are also of not much help for them. Many banks and credit unions have ceased lending business loans altogether. In such situation, your best option is to reach out to lenders who offer fast and easy working capital funds.
Working capital is very necessary for every business owner to have operating cash flow for day to day operations. They need these funds for expanding, competing and succeeding in their business. The key rule is to generate a decent gross profit and work environment to get maximum output from your employers.
Business owners must do their research before visiting any private lender and applying for short term funds. Use the internet and search for a reliable and responsible lender for business cash advances. Check with your state authorities if there are any complaints lodged against that lender. Ultimately, you don’t want to end up getting into any sort of scam especially when you are already in a financial crunch.
Working capital cash funds will help your business to handle any future financial troubles. Business bank statement funding is fast and easy business funding that has opened gates for small businesses to get easy working capital funding. Easy repayment options, 100 percent funding approval and quick processing of business cash are some of the benefits business owners are looking for.
Lenders will offer different programs to fit to your specific needs. They can convert your future credit card receivables into immediate cash that can be used for any business purpose. Repayment is based on small fixed percentage of your future credit card receivables. Payments will be applied to the remaining balance until paid off.
With the help of cash flow working capital, many small business owners are now able to breathe freely. But you must do your own research before choosing a lender to work with. There are so many lenders in the market that it often gets difficult to differentiate between a reliable one and an online scam. Market Invoice is one of the best in the business with their great articles and offerings.
Currency markets fluctuate daily and one of the best ways to evaluate the future direction is using technical analysis. This form of analysis uses chart patterns to analyze past price action, to formulate a view of the future direction of a currency pair. Many traders use support and resistance levels, which form the basis of chart patterns.
Support and Resistance:
Recall, support is a level where demand is evident and buyers are willing to step in and buy a security. Resistance is a level of supply where investors focus on selling or shorting an asset. Support and resistance levels are constantly changing as new information becomes available. You can use many different techniques to find support and resistance levels. One of the most common and efficient is trend line analysis. A trend line connects two or more points with a line in an effort to pin point support or resistance. Generally traders use downward sloping trend lines to designate resistance levels and upward sloping trend line to define levels of support. Although this technique is subjective, many analysts believe it is the most efficient way to generate a trend line that reflects either support or resistance levels.
Since trend lines can be subjectively drawn, it is helpful to find a technique that you can fall back on that takes the subjectivity out of this process. One of the most efficient methodology is Tom DeMarks trend line process.
TD Trend Lines:
DeMark created his TD (Tom DeMark) trend lines for the professional trader to eliminate the subjectivity from the process of drawing trend line. To do this he created the pivot top and pivot bottom. The TD pivot top is a high that is surrounded by at least one lower high on each side. For a more robust pivot top, you would look for a high surrounded by either 2 or even three lower highs on each side of the pivot top high.
Once you have found your first pivot top, you can then look back at the price history of an asset to find the next high that is surrounded by at least one lower highs on each side of it. If you are looking for pivot tops of 1-lower high than the next pivot should be the same. The pivot high you are looking for when you draw a resistance line should be higher as you move back in history.
The next step is drawing a trend line. You would connect one pivot top high to the next pivot top high and extend the line forward. The trend line has a slope and that becomes your resistance line. When an asset breaks through that resistance line, it is likely to continue to move higher. Generally the best way to trade this type of resistance trend line is to wait for a close above the slope of the trend line which will trigger a breakout.
When drawing a TD support line, you are constructing and upward sloping trend line that generates support. To do this you would connect a pivot low, which has one or more higher lows on each side of it to the next pivot low. The upward sloping trend line that is created forms support. When the price of an asset closes below the TD support line, a break down has occurred. Like the TD resistance line the TD support line can be drawn on every time horizon.
It is important to find charting patterns that you are comfortable using, as this can assist you in determining the future direction of a currency pair.
Want to learn more? Visit us at iFOREX
Whether you own property or work as a developer, a building condition survey performed by a licensed engineer is a beneficial exercise. Generally, the information collected will help you decide if purchasing, selling or refinancing is possible. Surveying the building will also help you avoid potential claims and expensive maintenance.Purpose for Conducting This Survey As the name implies, this type of survey assesses the physical conditions of a property. Through different procedures, the purpose is to identify any deficiencies and maintenance issues relate to:
Life safety systems
Storm water management
Results of the assessment gives you a clear understanding of the property. With this information, you can make an informed decision.The extent of what is covered in the survey varies based on your individual needs for collecting such data. The process normally begins with a visual inspection of the property as it exists. It continues with monitoring and tests of different site systems.How the Survey is ConductedDetails of the condition survey come from a variety of information gathering techniques such as:
Reviewing maintenance history and local municipal records
Operating systems tests
Researching building code compliance
Criteria definition of design and performance
Calculations of load capacity
In addition, the survey looks at immediate, mid-term and long-term needs to keep the building in good condition. The obvious benefit of this report is knowing the current and future condition of the property.There are other benefits to help you prepare for potential renovations if you decide to buy. You will also know what it may cost to upgrade some things before putting the property on the market to sell.Alleviate Uncertainty about the Building’s Condition Having a condition survey completed on a piece of property is a useful tool that not only helps you make decisions, but the information is also beneficial for prospective lenders. The final report should help to alleviate any concerns.In fact, both sides – the buyer and seller – will have documented information the clearly defines the property’s condition. Details of the report can either increase or decrease the suggested market value.Before you think this is an expensive undertaking, consider the cost of defending a claim if someone is injured on the property from something that could have been avoided. Your time and costs are minimum for preparing for the survey compared to paying too much for a building.Understanding what is involved with either buying or selling a piece of property can yield long-term benefits.
It makes you feel very bad when you realize that your dream property is not as good as you thought for the first time. And more importantly, if you find out later that your home needs several thousand dollars in repairing it some portions, you will feel completely disheartened.
You should get a thorough inspection done before buying a house. Using some common sense while buying a property will help you in avoiding many common mistakes. There are some things that you should be always wary of. Here are a few warning signs that should be kept in mind before you sign the contract.
Problems inside the house : There may be some internal problems inside the house that can be easily identified, such as termites, damp spots, and cracks in the walls and ceilings. But there may be some other major problems that are often not disclosed by the seller. For example, if there is a cracked tile in the bathroom, it will indicate water damage, if there is any mould, it may be due to ventilation problem. If there is any brown areas, it may be due to poor wiring connection. Therefore, it is important to get your house properly inspected before buying it. You must also check out other things like water pressure, sticking windows, pipe and drain leaks, insulation levels, and get pest control done. Write down all these points in your check list and get your house reviewed by a professional.
Problems outside the house : Likewise, there may be some problems outside the house as well and in many cases, the seller does not want to mention these points to the overexcited buyer. One crucial element is orientation. If you are working from home and that area is receiving very less natural light, you may want to reconsider. You can also check out the fuse box, signs of the asbestos, blocked drains, roof damage, garden watering systems, condition and age of nearby trees, and pollution levels. After doing the initial assessment, you can ask a professional to review it thoroughly.
Incomplete documents : There are always chances of your identity getting stolen. If you buy your valuable property without necessary documentation, it will be the most dangerous situation to go through, not only financially, but legally and emotionally as well. Never make such a mistake in your life. You can avoid such situations by hiring a solicitor who can be of great help during your purchase. It is worth spending some money on a solicitor rather than paying for the losses in the later stage due to lack of proper documentation.
Shady property history : Before buying a property, you should always inquire about its details, like when was it first built? What was on the land before the property was built? Why the tenants keep changing. If you get the answers to these questions and are satisfactory at your level, then you can move ahead. But if you are not satisfied, then it is better to pass. Because the seller may be trying to cover the shady past history of the property.
Unprofessional seller : The seller or the real estate agency should be able to answer to your basic questions about the house. If you are not convinced by their answer, you can always shop for the next one. If the property has a bad history, and the seller is trying to hide it, then it is better to leave that one and search for another good property.