Posts Tagged ‘Chapter’
How to? Ask Chapter 7 bankruptcy
11.06
People who live or have a business? Ft or property for? United States can k? F? A Chapter 7 bankruptcy in the court file f? D? Eral. Chapter 7 bankruptcy or liquidation right.
Some goods can? Be exon? R? S Chapter 7 Most pr? Ts hypothesis? Cairo, including assumption? Cairo on many r? El normal and int? R? Ts s? SAFETY? f? Pr? R ts Survival car?. Verm other assets? If? In all, sold or liquid? S of the trustee? United States with margins of? Equation? cr? Ancier? ckzuzahlen?. Many types of unsecured debt are the? Also institutions? Are the proc? Hard to insol?, But there are diff? Different types of debts that are not empty in a chapter 7. common exceptions? the d? load go? money from other children, alimony, the r? divorce regulations, imp? taxes on income of less than 3 years and the g? not controlled by? the Verm?, pr? ts? students and fines.
A Chapter 7 bankruptcy stays on your record cr? Said f? R 10. W can? while in some cases, F? make this pr? argued cr? says less? GBAR, k? debt? lev? m can have? me indeed, and in some cases, F?, QC score, “said a person can? also, after? s it? commencement of the bankruptcy, the debt should spend. F Future? Capacity? can borrow? be am? lior?,? protected? ? Be damaged? or stay the m? me.
As with other chapters of bankruptcy, it is not got? Ltlich f? People R, bankruptcies in about 180 days under certain circumstances? Have t? license? s.
Another reason why a p? Apportionment of individual Chapter 7 bankruptcy can be brought refusal? If he is? Finished? missbr that the insol? of d? debtor? Uchlich is because the person is thinking? for? be able to repay the debt.
The trustee can margins? United States with an f? S fi? A Chapter 7? S p t the d? Debtor to prove that d? Debtor can not otherwise afford, ckzuzahlen part or total? its debt? To take advantage of? In accumulated income? S in the f? NFJ? Olds d? Lais pr? Seen by Chapter 13 shall prevail.
It is g? N? Generally accepted by most New York Bankruptcy Anw? Cold, the U. S. Trust is much more aggressive in pursuing missbr? Uchlicher Konkursantr? GE. In con? Result, these last? Res ann? Soon as a bed? Rftigkeitspr? Audit, consulting cr? Said and other requirements may appeal before the bankruptcy? Be registered in certain? and approved?.
Although bankruptcy law is the m? Me? of the Bankruptcy Court? United States, everyone? r own? rules to some extent. ? New York, there are two bankruptcy courts: the Eastern District and Southern District.
The Eastern District covers Brooklyn, Queens, Staten Island, Iceland and Cu these long.
The Southern District includes Manhattan, Bronx, Westchester, and parts of the eye tat am? Rican New York and Long Island.
So when a bankruptcy lawyer has t? Queens? S p t f a case? A client in Queens, w? It rde this Eastern District Court in Brooklyn.
If you r? Solutions? s take a bankruptcy lawyer, and should, m you must bring the following documents? Your bankruptcy attorney? Imp? Ts, payroll, real estate securities and immobilized car? Res,? Valuations of real property, assumption? Question, deeds, leases, divorce agreements, child support occurred? GE financing and s? SAFETY? agreements, reports cr? said.
As mentioned? NST, it is always recommended? to retain the services of an administrator insol? exp? rhyme? s. Chapter 7 bankruptcy, especially after? S Change J? Longest Worm? Tr is a process? S complicated? and long. Always consult a lawyer before acting on any advice.
Business Bankruptcy – Business Bankruptcy; is the best option of Chapter 11 or Chapter 13
11.05
If your organization is a matter of s? Rious problem? My debt of d? The exp share? Experience, and total debt is faster than Verm? Collect assets from the company? T?, K? You can? Be protected? G? S by the application of bankruptcy? Opening the weight? Considered? Ground HRT. The statutes of the United bankruptcy? States and court documents are stupid? Us for people who had accumulated? debts of doing business? Help pay my feet, but unable to do so. Before a p? Bution bankrupt, it is important that the advice of consultants undertaking a debt management to d? Finish if not another form of corporate debt program? get the best choice. A debt consolidation company or the supplementary rules of debt can provide k? All this? Ment of the p pi stores? Partitions official goes under.
Altogether? State case, the r? Union with a business? Partners consultant debt management in the world is a requirement of submission f? A Chapter 11 protection of corporate debt. If, during this consultation? Shall draw up a business plan, a copy of it? c t? Chapter 11 Gl? Ubigerschutz Class?.
It is important to understand the diff? Ence in the protection of the bankruptcy court? do. Chapter 13 is engineered to people who pay them? Equation of a guarantee? Cr? Ancier tries r? Cup? Rer his cr? Ance f? A three years? beautiful. It is stupid? U such that p? Period of? Debtor named? pr? R for three years? Redemption? the? equation? For cr? Ancier bypassing Gl? Cr? Nancial attempts upholstery? STIGT and int? R t sentence or more? pay. Chapter 13 has a debt limit of $ 175 000 debt, and he is? people who are being ex? execution of a business? Ngert ft ri?.
But the first? Re-bankruptcy tool that t? engineered to all? ger who can provide protein? g? by essential? K debt products?, Chapter 11 business plan is insol?. To? Ask a proof of the Chapter 11 bankruptcy firms in each daf? R, a professional debt management needs? Be consulted? to obtain. If a plan of debt management is the r? Results of this r? Union, it will be sent? with p? apportionment. There is an advance of $ 1,000 basic Anmeldegeb? Hr is a bit Enterprise Bankruptcy Chapter 11, plus other capacity? S keeping small? Who pay? S at the time of submission must. If the plan? Described in Chapter 11 SOCI t? S authorized?’re The bankruptcy court, the Verm? Gene companies in bankruptcy or under the supervision of a guardian appointed? by the court, the mani? that companies should re R? REDEMPTION Helpful? oversee located? debt from the company? t?. An R? Terms of debt redemption will be formulated? Es by the Commissioner and m? Must? Be strictly respect? Es. A business bankruptcy, Chapter 11 protection that is given? is not an L? Research company fts debt, it is proc? D? ? a strict timetable? M? Does, the Contractor shall pay the debts of the company does its capacity? work.
The d? Decision to try prot? Fts ger businesses by debt? S p t a business bankruptcy is the best advice with a consultant in business debt was watching. A bankrupt company M? L? Also possible, the company offers debt protection that the Company Fair? ben really? Account. It is possible that other options Verf? Supply stores ft the debt? D? Sen better decisions about the idiots? Consequences of? Equation? Cr? Creditor, without att? Nuer foot stores in a position inop? Cannot. Talk? a consultant in business debt qualifications? s and exp? rhyme? s? the other M? Manner? S for Verf? Address supply business debt. It may be that a consolidation company debt or business? Ftsreise debt ed? The solution can be brought to a better choice overall.
Dar? Plus, there are many types of pr? Ts Small Business Pl? N Do? Sary for Verf? Supply is sufficient for a business? Pi? About to take the bumps and stay active? can k? Are? provide the clean? silence with income and community? with an n? tzlichen service.
A 11 or 13 of chapter business bankruptcy last? Should re d? Cider? S, which will be used? Only after? s all other options have t? exp m? And removed?.
? Fen Berpr you these links to learn more:
http://www. curadebt. com /? calculation? ASP
http://www. curadebt. com / residential / n? Trade Negotiations debt / business debt r? Rules-No? negotiation. ASP
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Chapter 13 Debt Consolidation vs. Bankruptcy
11.05
Both Chapter 13 bankruptcy and debt consolidation are forms of debt restructuring more? Berschaubar R? Ckzahlungsbedingungen f? R of the borrower? Come on p? Period of time pr? D? Finished? E. However, there are diff? Significant differences between these two types of consolidation. Especially in traditional debt consolidation your debts are grouped?’re A pr t and worms? E over time? No rate? GOCI? or? eventually the consolidation of the agency. There are several advantages that debt consolidation? Bankruptcy, pleased t than having much joy? A cr? Ancier simply guilty and would, m? Me if the rate of int? R t can be brought low, monthly payments can gr? How it.
Consolidation of debt? also a lower impact on your file cr? said, and he can f? be a good alternative? R somebody with good incomes and consumer debt too, but the circumstances? nd change?, an amount per case, although k debt consolidation if you pla t can be brought tr? helpful if you do not, if you pla t change the financial habits? res you may find yourself with more M? d like it to? goal.
The benefits of Chapter 13 Bankruptcy Chapter 13 bankruptcy? Wins almost all the b? N? Profits that may offer debt consolidation traditional k?. The main advantage of Chapter 13 bankruptcy is that there are certain legal aspects of the protective layer, which is not easy for the debt consolidation program is other than you? do. The power of the Code f? Of rule of thumb behind bankruptcy? Re the right of the? Equation? Ubigerschutz and protection will be active until? that your case is sorting? e f a court? d? General.
The power of the automatic stay “Automatic Stay” and “Order of Relief live? Pr? See that your protection? Equation? Cr? Nancial thereof lt Surveillance, beautiful? Foster d? Concentration in their attempts to collect payments from you. s This? accordingly has the power to stop? ter foreclosure, R Pr? l? movements of goods guarantee or a set of judgments against you? instead. There is no comparable services in debt consolidation that dull? rial? offer protection and yours? equation? cr? Ancier can not? be forced to stop? ter their attempts to collect from? s you will be able to k ?.
R? Repayment of debt in 3? 5 years under Chapter 13 bankruptcy are available between 3 and 5 years in R right? REDEMPTION your debt under a new plan for restructuring the R? REDEMPTION, usually r? Ducing your payments and balances can r? Reduce the base rate int? R? T. Under traditional debt? Performed? Are over Sch? Are? ? Be performed? E without the eye so as balance? Re significant.
Beautiful You Down equity in your home, some programs debt consolidation k? May require that you publish any type of guarantee and g? N? Generally they walk? F? Rent? Be home when they are a good Ma? addition? ? the eye quit?. Chapter 13 bankruptcy requires no collateral and is it? The magnificent it prot? G? ? home against the risk of repossession or foreclosure.
Debt Restructuring? a level of priority? T Another advantage of Chapter 13 is that your cr? Ancestral guarantees have priori?, It is the pr? Ts on your house, car and everything has a guaranteed trip sp audible, then your unsecured debts k? take care of? be when the money? brig. Loan programs? traditional ts can k? not behind any type of debt, everything must? be as cksichtigen c?? s number, important.
Most of the debt in your bankruptcy chapter 13 g? N? Generally under a consolidation program debt that you will not be able to g? Rer all your debts, some programs work only with Debt card cr? said, w? Sp? Cialize while a separate agency of the imp t over liabilities k? May include. In Chapter 13 if you pla k t can? Also the r? Tax form? CKST? Wall assumption? Than-R? CKST? Walls, child support and alimony, s? Curis? and all unsecured debts under the m? me r? scheme that you cr? Ancier with m? my degree? protection against all? equation?.
liabilities not r? clam? s are? limin? s if you chapter 13 bankruptcy? ask all of your? equation? cr? Ancier is required to provide proof of r? proclamation from? s of the bankruptcy court files are often of Gl? cr? nancial not? be pr? smells file r? Claim for any size?, but they are not, and f you stop? Tez your p? period? r ERF? fill your debts, then all debts no r? clam? es are? limin? are and you don ‘? your most Bond? ckzuzahlen of this? when your case is? loaded? e. No other program can b? N? Wife will benefit from the consolidation continue.
? Get your Chapter 13 in the drive, start with an F r further information about debt consolidation, you can visit k: Si ge consolidation debt
Chapter 13 bankruptcy explained?
11.03
R? Alit? T is not in the situation? ? about making ends meet in the business and personalized? financial obligations? personal res never freeze? More incubated? Are compared? 2009. Many stores ftsleute T? closed? Ren, forced? families? application notes from their users H, Who am? c. rate? next mage in more than 20 years? t? addition?, and a? state of crisis costs global input before our own eyes? Tselt. So what is a business? Fts or properties? Silence to do? As you regain your pride? and strengthen the stability? Financial? re? T apr? S he t? ? St? Sunder Bridge? In? Many Am? Ricans are turning to bankruptcy? namely Chapter 13 But what does this mean? How do you know if there is f the right choice? R you? Here is a short tang? Notes form the chapter 13, so k? You can see if it f the right choice? you R. There are several forms of bankruptcy Verf? Supply? your products to shops and personal dilemmas personalized address? e. For example, if you? Were in an accident do not trust then work the bills are piling up. Dar? Are more in demand? Also Gl? Cr? Ancier threatens to remove your standard of living because of unpaid bills? Es. What do you do in this situation? Production f? A Chapter 13 bankruptcy the right r? Response f? R you. F? R Konkursantr Chapter 13? GE cease and emp? Expensive action is excluded. It can help you breathe more easily? Avoid your k? Anxi t? yet the nature of government agencies, away from your house. Chapter 13 Bankruptcy pleased t f? Businesses R and attractive. F? R and if you don ‘? Your most able to pay the hypothesis? On your own? T? restaurant. Has the government come knocking? T? R and remove everything, including the team to a restaurant? the int? company is laughing? FTS home? What about supplies of surface K?, Utensils are removed? S? In most cases? Case, the r? Answer is yes, if you f? Sign up for a Chapter 13 bankruptcy. Chapter 13 Konkursantr? GE does n? Quire not liquidate the Verm? Assets. In case of liquidation of Chapter 7 bankruptcy of Verm? Asset does not occur. By stupid? Result, perhaps? Be more Chapter 13 bankruptcy rfnissen your bed? Corresponds, as a Chapter 7? S p t? Match up. Another advantage of? P t the chapter 13 bankruptcy is that efforts to collect m? Need w? End during the trial lasts for insol?. Collectors are not authorized? S? name,? Bel? Stigen and / or st? Activ? in your stores and products customized? s life by virtue of this process. It is a relief, not with the Gl cr? Ancier?, Banks and companies that pr? Cipitent you? In your int? R t dam collection nonstop ftig?. It is? Amazing to people suffering from debt, who was one relief r is the factor on the situation of? Be removed?. It makes a diff? Reference for those erm? ? Balanced?, Think more clearly and the possibility? re-Fu? st back on their feet? amplifier? gain, and wiser than before. There are many other factors of Chapter 13, the transparent, you bin? To ensure good conditions? L? Solution? your financial worries. But in order? About compr? Understanding g? N? Eral? ? free from chapter 13 bankruptcy, you need a lawyer who sp? cialized in the chapter 13 cases of contact Ndnis. Ask questions. Do not be shy and gather as much information as m? Possible? On the subject, making it a wise? Decision? R, your company does? Don and / or your family.
Simple? Berpr Please give tv? Verify your ELIGIBILITY? ? F? Filling Chapter 7 bankruptcy test
10.30
Most people who d? Clarent bankruptcy for w? Choose Chapter 7 rained t that Chapter 13 because it is fast, efficient, easy? d? ask and ben? Account? Possibly payments? Over time. Chapter 7 bankruptcy takes g? N? Generally the least time. The process is? More in about 4? 6 months, h? Often only a trip? Gerichtsgeb the apartments by the person the request of the bankruptcy? Opening cr? E debt-free.
But not every person of the debt? S the d? Goal by pr? Cipitation is? Seek a bankruptcy, k? They can d? Ask under Chapter 7. If you eink? Fifth? After me? S d? Production is that you? More of? Think, NE OF F and monthly payments? R maintenance, tax liabilities, the use of cr? Ancestral guarantees as a hypothesis? As a pr or t car, and some other types of debt is sufficient for payment under Chapter 13 repayment plan Strengthen its estimation you will not let the Chapter 7 bankruptcy file. ? Berpr if you pla t look at your writing? Res s? Lection
The initial registration? Step for Fen pr?, Your F? Rderf? Capacity? the F? Filling Chapter 7 bankruptcy is your average last six months compared to income m? Dian for a family of your size? E to measure your? State.
Once your income is calculated? compared with income m? dian rf yours? state (you can find the income m? dian information on the eye of state government USDOJ www / ust; .. Click the average test information)?. If your average income calculation? ? inf from? than or? scabies? k the average income of yours? tat? You can register under Chapter 7 bankruptcy, otherwise m? You need? To go? authorization test diff? annuity call? e? average test.
The? Average test “is calculated? According to the r? RESULT pr? Argued Inside accumulated income? S. To get you? In accumulated income? S, d? Write, calculate your average monthly income in subsection above. Of this amount, subtract the two following conditions:
Bad Credit Auto Loans After Bankruptcy Chapter 7 and 13 Discharge and Dismissal
10.28
There are many people of America? Hendriigid, who has had to declare Chapter 7 V? I 13 bankruptcy in the past few years. Foreclosures have hit k? IGI time k? Rgeim America and even the number of car repossessions has t? Increased. The j? Tab for people who have suffered a disaster to credit? Tlema, [...]
The original post is at Oklahoma Bankruptcy News
Can I still b? N? Wife will benefit from a chapter 13 bankruptcy if I too much money to file Chapter 7 A job?
10.25
M? Me if a d? Debtor of d? P t a Chapter 7 bankruptcy disqualified? with income, it is still considered the benefits? saddles that can? be completed by the d? p t a Chapter 13. In fact, disqualified? if? ger in Chapter 7 is considered? r? as disadvantages? deny if any of the? posing a significant equity asset? On a house and a car. W? While the d? Asking? the house and a VEHICLE can be brought maintained in the r? rule under both types of Konkursantr? GE, as long as their actions? Enro Bersteigt Bankruptcy Code? Constraints, a Chapter 13? S p t will be benefits in the areas of the eye assessment of Verm? assets and Verm? assets that offer not? be free? s Chapter 7 bankruptcy. Collection of Antiquities? S, r? Second homes and apartments in a chapter 13 will be preserved? S, but m? N? Ceased? of the court in a Chapter 7 issue, for example. These benefits can? Be maxima? S in a Chapter 13 bankruptcy, so vast Verm? Are financial assets? fixed capital, the? Plac? on capping Verm? assessment? Assets in a Chapter 7? S p? T. The flexibility? t G? Terneubewertung then with a repayment schedule of the Court f? A debt in the submission? Set combined HRT? E. Dar? Out on tr? Adds R? R debt? Pick REDEMPTION court under the r? Organization certain advantages Chapter 13? During the d? Debt burden hours? Fr? Frequently seen in Chapter 7 bankruptcy. The main advantage here is that Chapter 13 bankruptcy shows g? N? Generally on the reports of cr? Said f? R about seven years ago when zehnj? F young life? R against a Chapter 7. That is why it is? Glitches a fr? Sup? Interior of d? Goal and a process of rapid reconstruction f? R odds of cr? Told to? Clara. A Chapter 13 d? P t can also f? R allow cram-down “pr? Ts car driver? f in the payments much lower? And pay for r? Reduce the outstanding balance? on the way VEHICLE fast k? Can. CRAM requires a lower than the VEHICLE must? Be purchased? at least 910 days before the d? p t the chapter 13 bankruptcy. In a cram-down, the balance of dr t the value of v? Vehicle on the market? for the current file?. The d? Lai remaining payment can? Be of Slika ridiculous?, Lower payments and save thousands of dollars f? Of the R? Asking. There are other advantages of Chapter 13 bankruptcy and in particular r? Normal adjustment process? Lasts for? Viction and fulfillment of pr? Ts hypothesis? Caires subordinate? S who have not obtained because of a decrease in property value? t? associated? e. A Chapter 13 bankruptcy is g? N? Generally much more complicated? a Chapter 7 for best r? results, insist on working with a bankruptcy attorney exp? rhyme? s.
S blockbuster? Ask Chapter 11
10.25
Blockbuster Inc.? (PINK: Blok) pr? Barrier for Chapter 11 bankruptcy in the next few days n-file, has indicated? a source? the heat? not hire vid? bones, Wednesday Pl do?. close in ann? are? Dallas old? SGWA H? dealer d? clar? p? re? there is this w ann? e? re p? s 10 per cent of its business? forces? fr. Customers have movies? lease? F of their points? Online services like Netflix S is moving. This is the r? Achievements of dollars? United States about 900 million debt, according to documents? Possible? S from? S the Securities U. S. and Exchange Commission. The Company Fair? to investors? foreigners on a plan under which it op? re, but? foreigners? These hundreds of forces from other companies? Continue? w rde work?, said the source who does? silent not right? To speak in public? ? about the situation. The insol? is so early? H as pr? Seen Wednesday. The d? Details have t? ? origin? FACILITIES in the Wall Street Journal. Under the proposed plan? convert w? Rde main Anleihegl? Cr? Ancier? Approximately 630 million of debt into capital of the company? T? restructured? e. The other Anleihegl w? Cr? Nancial? Rde d? Clench? ? Be deleted? S, the source said. “We will continue our M? To explore the possibilities? S and make good progress? S in our recapitalization process,” ad? Clar? in a blockbuster by d? e-mail statement Wednesday. “Our conversations? Surface with studios and Anleihegl? Cr? Nancial continue? Very productive and we have every reason to believe that we are financial? ESPECIALLY out of the recapitalization process st? Amplifier and the comp ? petitive? F u? laughing? A plac? the future. ” Investor Carl Icahn lt h? Approximately one third of senior debt, the source said. Icahn does? Imm not silent? Immediately available? GBAR comment. Senior Anleihegl? Cr? Nancial have accepted? from the company? t? with a pr? t? Approximately $ 125 million in the op? Rations down? Help estimate, w? If under Gl? Ubigerschutz ask is, according to the source. The Company Fair? a d? clar? in his explanation? Ment he had to strengthen its support “of many parts? And it? Uvrer? The cr? Ation of one? Capital structure appropriate? E? Growth Blockbuster? Long-term downward Down, “” Lich Including investment in our platform, multi-channel and new possibilities? s M?. “Since the d? goal of this Ann? e, Blockbuster had more than 6,500 stores in the United States and internationally. The Company Fair? established? Port? t service?? s film loading? Commute via stores? S tail, but behind the service? Re Netflix offer. Blockbuster rival Movie Gallery Inc. d? Pos? bankruptcy in F? February. Although the op? Generator of heat? Do vid? O Hollywood Vacation? origin? Pr? Seen r? Organize available in May he had to? Cid? V liquidate? Lliga.
http://www. world m? slides of the market?. com/779/section. aspx/2429/post/blockbuster-to-file-chapter-11
Enro? Constraints f? A Chapter 7 bankruptcy information
10.23
Some of the laws at the time? P t Chapter 7 or 13 bankruptcy are typical of know-how, for example, the requirement of f? R for all? Clara comply? debt or cr? said Dr. G? presidents advice Strengthen its estimate for the much better? DUCATE on their investment behavior. There is also the law stipulates that from? Debtors with h? Herer m on income? Need some R PURCHASE? Their debts? remain on the bottom! Leads f to register? A Chapter 13 bankruptcy. On the other hand, there was the one? Legislations r? Percent? the impact that a little recognition and bed needs? be protected? g? cons observe. As we go into this section, we are on the Descr? Constraints in Chapter 7 bankruptcy to discuss the information.
One hour? Most types en? Quent bankruptcy? Information for Chapter 7 bankruptcy only geringf? Load much more exclusive. Under the old guidelines, which are on Chapter 7 people with information could w? Choose which chapter of bankruptcy? T? the best f? I guess they r and that most of them Bankruptcy Information Chapter 7 SALT? S handselected s. On the other hand, people with higher incomes? Lev? should, eight? me now that they m? Can not legally qualified? f? A file Chapter 7 bankruptcy information and is probably under the pressure? Be under Chapter 13 of the file. The measurement of t they? Encrypt? Profit? Lev? S family?? S tion w? Re your contract every month for existing? Evaluate the month m? Dian of months on the earnings? Required ?-in-hands of the m? size me? in your E? state. Another aspect fetal R is the bill, as your month existing fetal R months, revenues probably load. This is not what you pr? feel? Rtig her g? n Aerating? About the time o? you go bankrupt, but a base r? guli? re? R resistance revenue least six weeks before your production? State . This is a big problem? me he f? A people who are after? s bankruptcy to sacrifice work r? cents.
There is also Descr? Constraints f? A Chapter 7 bankruptcy information on Anw? Lten. Under the new laws Anw? Lte tr? S customized? Personal rgen b? F your account? Starting weight co? ts live? s? Leads, which means they arrive? o dictate building? you live? do? His lead. Care under Chapter 13 in your mind? Your always held to be pr? Worth? In income earned on a joint, which had t? produced over the last six? few weeks? calculate.
Information for Chapter 7 bankruptcy offers? also you value your own t? at replacement value. As the information given Chapter 7 bankruptcy? E, in the last bridge Erbst? Together with other properties that d? Debtor can keep that from? Sir had t? pr? seen because of their low value. N? Theless, the strength of new laws, they are all real estate sales prices in things on the point? Be? Taking into account, such as the eye age and the condition that these requirements meet the most? The price of the property leaving you at risk Einbu? S is inflated? is its price.