Installment payments for Internet purchases, in mail order companies or in the branches of the large supermarkets are not uncommon. As a rule, it is sufficient for the buyer to present his EC card. Most traders do not require a pay slip […]
Installment payments for Internet purchases, in mail order companies or in the branches of the large supermarkets are not uncommon. As a rule, it is sufficient for the buyer to present his EC card. Most traders do not require a pay slip or employment contract. Only the creditworthiness is checked. If there are no complaints, the goods will be delivered or the customer can take them home with them. Payment is made in monthly installments. Installment purchases are always reported to Credit Bureau. http://www.icopyright.net/payday-loan-online-our-new-online-payday-loans-range-from-100-to-1000/ for clarification
Loan despite payment in installments
However, the situation may arise that a loan is needed. An inquiry to a bank now of course shows through the Credit Bureau query that one or more installment contracts already exist. A loan despite payment in installments is still possible, because these are not negative entries, but only a message about the purchase in installments. A negative entry would only come about if the installments were no longer paid.
Include the rates
If you want to take out a loan despite payment in installments, you should consider adding this installment purchase to the loan amount. So everything can be paid in one place and traders do not charge early repayment if an installment purchase is replaced prematurely.
Can the bank say no?
Basically, there is no obligation on the part of the banks to grant a loan to a customer. However, the legitimate question arises why she should refuse a loan if Credit Bureau has no negative entries about the customer. Should a rejection nevertheless occur, it can only be due to the salary and the bank fears that there will not be enough left to pay the installments to the bank.
A clarifying discussion would certainly help, because rescheduling, i.e. including the hire purchase at the same time, would reduce the risk. Basically, however, you should think about when and what a loan is actually necessary for. There are always risk factors that are all too easily overlooked.
To regain financial stability, consolidating your debts is one possibility. With this solution, you only repay one loan at the lower monthly cost. As a result, your purchasing power is improved. Borrowing is therefore possible, depending on your project and your abilities. […]
To regain financial stability, consolidating your debts is one possibility. With this solution, you only repay one loan at the lower monthly cost. As a result, your purchasing power is improved. Borrowing is therefore possible, depending on your project and your abilities.
Restructuring Your Loans Can Help You Borrow
The counterpart of the reduction in your monthly payments is an extension of the duration of your reimbursement. To offset this increase in the total cost of credit, it is often advisable to anticipate future projects by requesting cash to be included in your new loan.
Thus, you can re-borrow, as long as you have sufficient debt capacity at the end of your loan repurchase. Of course, you will be asked to justify this new funding by a project.
Whether you want to access the property, invest in the new or the old or even carry out work, your project must be precise and detailed.
In addition and depending on your profile, you can supplement your financing with a subsidized loan. However, let’s just remember that a redemption of your credits is primarily intended to reduce your debt ratio.
Buying credit is above all a way to improve your daily life
Note that the vast majority of borrowers using credit buy-backs want to return to a stable financial situation. This is also the primary objective of the operation.
The redemption of your credits simplifies the management of your budget thanks to the reimbursement of a single loan. In addition, the monthly payments related to this loan are reduced, which gives a boost to your budget. Finally, the rates you borrow before the transaction are renegotiated during the redemption process.
These advantages are those you should expect from a redemption of your credits: the possibility of borrowing comes in a second time. If you want to consolidate your loans, do not go too late to avoid filing for over-indebtedness with the Fine Bank.
For your credit buy-back, the online broker is a privileged interlocutor.
Debt consolidation is typically a better option for people with good to excellent credit who have sufficient income to make consistent monthly payments.
Interest for mini loans – here, too, the comparison is worthwhile Small loan amount, low interest rate? In the case of classic bank loans, this principle is, in a way, the golden rule. But here already there is the well-known exception to […]
Interest for mini loans – here, too, the comparison is worthwhile
Small loan amount, low interest rate? In the case of classic bank loans, this principle is, in a way, the golden rule. But here already there is the well-known exception to the rule. The comparison of providers also shows that the interest on mini-loans shows that there can be quite clear differences between the conditions of different banks and other financial service providers.
By the way: In reality, banks rarely offer macro and micro loans. Traditional credit institutions mostly cite the reason for waiving the fact that short-term borrowing does not generate sufficiently high returns – precisely because the financing usually only lasts a few weeks. The pure return for individual loans is low.
The service providers on the Internet, on the other hand, tend to heed the motto “the mass does it” and rely on the fact that a large number of borrowers ultimately generate high sales.
Special interest for mini loans is not suitable for everyone
As with normal loans from the banking world, interest on mini loans is an individual product design of the respective provider. If you look at the current advertisements for small loans from the large brokerage portals, this gives the impression that customers can regularly secure loans with negative interest rates. This is not the case, instead the offers are special offers. Nevertheless, there are isolated advertising activities in which consumers have to pay back less than the previous payment amount after borrowing. Such services are limited in time and can only be called up to a certain amount. It is common, for example, that the particularly favorable conditions apply as interest for the mini loan only if the financing amount is exactly USD 1,000.
For what purpose is the mini loan taken out?
Such a loan amount just falls into the area of mini-loans, the upper limit of which experts usually put at around 1,500 USD (rarely more). With larger sums one speaks of small loans. In a direct comparison, however, it is striking that the cheap online loans differ significantly in terms of terms from mini loans. Because the repayment of short-term loans is typically set for a period of 14 days to a maximum of three months. Small bank loans, on the other hand, normally run for at least 12 months or more. Consumers who need a loan for relatively small three-digit amounts could hardly pay off loans with a volume of 1,000 USD and more in a few weeks or months – exceptions also confirm the rule here.
Anyone who only has to wait a little longer for the salary to arrive in their bank account will soon be liquid again. Low-income earners who only have a small amount of money on their accounts cannot even finance monthly mini-payments of USD 200 or more. So much for the distinction between small, macro and mini loans.
Service providers such as Fine Bank and others who give mini credit to self-employed or salaried employees have a margin of up to 3,000 USD. However, with a very short term! So consider carefully whether you can “afford” the burden!
Ancillary credit costs should not be incurred at interest rates
It is generally worth taking a close look at and comparing interest rates for mini loan models. One of the reasons for this is that not every borrower pays interest in the strict sense. Occasionally, the market also has offers for which a basic fixed fee is charged. With a financing sum of 100 USD, this can be, for example, five to six USD – if the desired amount increases, the fee is correspondingly higher. In any case, the range of mini-loan interest rates could not be wider, as current interest rate comparisons reveal. Borrowers should note in particular that operators of the platforms on the Internet do not charge any additional fees for processing the application or managing the credit account in addition to interest for mini-credit ventures.
Such a practice is not serious; portals with headquarters outside of Germany may well incur additional ancillary credit costs . The mini loan interest rate is only one side of the coin. Consumers should also pay attention to commissions before signing a mini loan contract.
Two types of interest settlement for mini loan products
At this point, some potential borrowers find the comparison relatively difficult. Because, unlike in the classic banking industry, financial service providers usually have no obligation to state the annual percentage rate. The German Banking Act has been providing the annual effective interest rate within the consumer credit directive as an objective, indispensable comparison criterion for some years. For their part, the independent service providers work with various representations of the conditions:
Model 1: → Name the effective annual interest rate and the borrowing rate
Model 2: → naming fixed sums for the loan amount X with the term Y
These different approaches do not necessarily make it easier for laypersons to find the best interest on mini loans. In some cases, the exact details of debit interest and the mostly bound effective annual interest can only be found in small print on the websites of the providers.
Mini loan interest must apply throughout the term
Important: The term “bound” or “fixed” is common. So borrowers know that the agreed at the beginning have, even if new customers now have to pay different interest for mini loan offers on the platform in question. In the current comparison, the interest rates are quite impressive. Interest rates are currently in the lower double-digit range on brokerage portals such as Best Bank – mini-loans for employees and other target groups from USD 1,000 are brokered there. Because of the significantly longer terms, this data should not be misinterpreted. To stay with the example of Fine Bank: The fixed effective interest rate is currently just under 14 percent. However, the higher annual interest rates for mini loans of this type are explained by the extremely short term of the loan.
Mini loan interest is often referred to as the sum and percentage
With a loan amount of USD 1,000 and a term of 30 days, customers pay the equivalent of USD 11.58 for the loan. A cost factor to be borne if the need is unexpectedly acute. However, it should be briefly referred to here again: Those who do not have any reserves themselves and need to keep credit rates low will be put to the test by these low financing costs. If the account is empty and the mini loan is not only used to bridge the gap, but also to pay off debts (e.g. payment of open installments for normal consumer credit) or to finance non-deferrable purchases, the repayment of the micro loan must be organized extremely precisely. And of course, the interest on the mini loan, like the actual installment, must be paid regularly. If the installments are due at particularly short intervals and not just monthly, as is usual with a number of loans in this category, customers must also be aware of these requirements.
The fact that many service providers give flat-rate amounts in USD as well as mini-loan interest in percent can be described as particularly customer-friendly. This is how you can quickly and transparently find out the total credit costs that arise, without having to search for the necessary data on the providers’ platforms.
Even if the loan interest rate for mini-loans on some portals is well above the 10% mark and thus more at the level of a typical credit card with a credit line – with such a short term, this is less important than with a small loan with a multi-year term. Because banks collect cash there in the long term. Mini loan providers, on the other hand, only receive the interest for mini loan models for a maximum of six loan installments.
Interest rate is just a feature of mini loans
Apart from that, there are also brands in the credit market with services such as Agree Bank – an offer from the Maltese Across Lender – where borrowers can call up loans at significantly less than ten percent. At least as important as the amount of the interest rate for the short-term loan is the selection of the terms and primarily the credit line, which is defined depending on the creditworthiness after a successful Credit Bureau query (or checks on requests from other credit agencies) and the income of the applicants . Agree Bank, for example, names a framework of 100 USD and a maximum of 600 USD, with a maximum term of 60 days. If I now need more than this maximum, I, as a consumer who needs it, will not be able to benefit from the low interest rates for the mini loan. In other cases, the personal situation is an exclusion criterion in the course of the application review. Not every provider grants a mini loan for the unemployed, while for other companies the application for a mini loan for trainees is more likely to be rejected.
Most of the time, the usual questions are decisive for the approval. These are:
- Can interested parties show the minimum income required (from approx. 500 USD / month)?
- What is the result of the credit check?
- Do applicants have a German place of residence and a new bank account?
It is usually these three aspects that determine whether the lender decides whether or not. Mini loans for the self-employed can be an exception. The reason for this is that on the one hand the definition of the term can be something else. A few hundred USD are not very helpful for company founders to realize a business idea. Entry sums of 5,000 USD are sometimes the lower limit for a small loan. Anyone applying for a mini loan for the self-employed for commercial purposes should be prepared for the fact that financiers may want to view information and documents relating to precisely this purpose (perhaps in the form of a business plan). The interest for mini-loan variants of this type, however, falls on average in a comparable way to that for private borrowers.
Interest on mini loans – we summarize
Anyone who deals with the mini loan interest in detail must know the complete financing package and take it into account when planning. If a loan fulfills the wishes regarding the interest rate, while the available credit line is insufficient or the terms are too tight, prospective buyers should rather look for a better alternative. Financing professionals also recommend that, even with a small loan, you prefer to act a little longer. This is how the mini loan monthly installments can be kept low. The bottom line is that the overall interest rate for the mini loan will only be of limited importance. Usually, it is only a few USD if the loan amounts for the short-term loans are not divided into one, but two or even three installments.
Anyone who makes short deadlines, as a customer runs the risk of falling into the debt trap, not just for the mini loan for Best bank recipients. It is better to draw up an accurate contract over a longer period of time if the regular cash receipts are rather manageable.
What is the difference between a loan and a payday loan? The amount of cash loan and payday loans What is the debt repayment time? Loan and payday repayment procedure The cost of cash loans and payday loans How do you choose […]
What is the difference between a loan and a payday loan? The amount of cash loan and payday loans What is the debt repayment time? Loan and payday repayment procedure The cost of cash loans and payday loans How do you choose the best cash loan or payday loan?
The financial market today offers many solutions to obtain the cash needed to cover any expenditure. Although bank loans are still the most popular, more and more people are reaching for non-bank loans, commonly known as payday loans.
The advantage of loans is the possibility of borrowing a fairly large amount and spreading the repayment of liabilities into small installments.
This payday loan can be taken in a few minutes without unnecessary formalities, even if the GFI is not very good. But these are not the only differences between these products.
What is the difference between a loan and a payday loan?
To clarify the difference between credit and payday loans, it’s important to start with the most important naming issue and the legal basis of both products. It is worth remembering that:
- the loan is available only in banks and credit unions, and the rules for granting it are set out in the Banking Law,
- a payday loan is a colloquial term for a loan offered by non-bank institutions, and the rules for granting it are regulated by the Civil Code and the Consumer Credit Act.
The specific features of both products result from the abovementioned legal acts.
What is a bank cash loan?
Pursuant to the definition contained in the Banking Law, the bank undertakes to transfer to the borrower a certain amount of money for the purpose indicated by him, while the borrower undertakes to use the funds in accordance with the contract, as well as to return them within the prescribed period along with interest and commission.
In practice, cash loans are usually granted for any purpose. To obtain it, you must have adequate creditworthiness – the same act, i.e. the Banking Law, obliges banks to analyze and evaluate it.
What are the characteristics of the payday loan?
Good Finance is nothing but a loan, which in the Civil Code has been described as the transfer of a certain amount of money by the lender to the borrower and at the same time an obligation on the borrower to return it in the same amount. As you can see, the loan may or may not be increased by interest and commission.
It is also worth knowing that payday loans are usually understood to mean small loans with a one-off repayment date (e.g. up to 30 days) and not installment loans.
The amount of cash loan and payday loans
One of the most important differences between a loan and payday loan is the amount you can borrow with the help of individual products. The maximum amount of cash loans is usually Good Finance 200,000, while the minimum is rarely lower than Good Finance 1,000.
In turn, the maximum amount of payday loan granted for a period of up to 30 days is up to Good Finance 10,000, however, most companies offer such loans in the amount of no more than Good Finance 3,000-5,000.
The amount limits apply in particular to new clients who may apply for slightly lower amounts for the first time than persons regularly using the services of a given company.
The lowest amounts of payday loans are Good Finance 100. Slightly more cash can be borrowed using installment loans, up to Good Finance 60,000.
What is the debt repayment time? Loan and payday repayment procedure
The payback period is another important parameter that distinguishes bank loans from payday loans.
How far can we take out a cash loan?
Repayment of cash loan in installments can be from 3 to a maximum of 120 months, and thus even for 10 years.
How much time do we have to regulate payday loans?
In the case of the simplest online payday loans, the borrowed money should usually be returned within 30 days. The repayment of payday loans in installments looks slightly different – this type of loan can be spread over a period of 60 months, although repayment periods of 1 to 24 months can be found most often.
The cost of cash loans and payday loans
The definitions in the first paragraph of credit and loan show that the former always involves the necessity of incurring the costs of incurring an obligation. These costs usually include interest and commission. However, the loan can be increased by such costs, but it does not have to.
This difference can be seen in the offers because bank cash loans are never free, at most there are offers with a 0% commission or a lower interest rate. In turn, non-bank companies often offer payday loans for free, which must be returned in exactly the same amount as they were incurred.
However, such conditions are not standard, but only available as part of a promotion and usually for new customers. This means that after using them, the next loan in a given company is associated with the need to bear normal costs. Unfortunately, these are not the lowest – according to standard price lists, non-bank payday loans are much more expensive than bank cash loans.
This is clearly seen when comparing Real Annual Interest Rates of both types of products. The average APRC of loans is around 10%, while non-bank installment loans range from 20% to even 150%.
In what situations is the loan better suited and in which payday loan?
Are you wondering what is better, cash loan or payday loan? There is no definite answer to this question because both products have their advantages, but each of them responds to slightly different needs.
When is a cash loan better?
Select a bank offer if:
- you need a bigger amount
- you want to pay back the liability in small monthly installments, which means that the repayment period is longer,
- you have a good credit history at the Credit Information Bureau,
- you can document your income.
Before applying for a cash loan, check what conditions must be met to receive funding. The most important is having creditworthiness, i.e. solid income in an appropriate amount and good history in GFI.
When is the payday loan better?
The payday loan will be much more beneficial if:
- you want to get cash quickly and without unnecessary online formalities,
- you need a small amount of money,
- you care about quick repayment,
- you are interested in a loan from the APRC 0%,
- you want to take out a loan without earnings certificates,
- you don’t have a good credit history in GFI,
- Your bank application for a cash loan has been rejected.
And what conditions must be met to use the payday pay? It is usually enough to have an ID card and a bank account, as well as a financial situation that allows you to repay the liability.
Loan companies, however, are less scrupulous in analyzing creditworthiness, and many of them do not check databases such as GFI or BIG, which is why in many cases those in debt have a chance to get a loan.
How do you choose the best cash loan or payday loan?
The Internet is helpful in finding a favorable offer. It is on the network that you can use various tools for free to quickly compare loans and loans and choose the best product. Such loan rankings or payday loan comparison services allow them to get acquainted with current offers of banks and loan companies.
Remember to read the terms of the lender’s website carefully before using the offer.
If you deal with loans, you will inevitably be confronted with the topic of Credit bureau at some point. For many, however, it may not be so clear what the Credit bureau Score is all about. But it is an advantage to […]
If you deal with loans, you will inevitably be confronted with the topic of Credit bureau at some point. For many, however, it may not be so clear what the Credit bureau Score is all about. But it is an advantage to deal with this matter. We want to answer the most important questions about Credit bureau in this article.
What is the Credit bureau?
Credit bureau Holding AG is the largest and most well-known credit reporting agency in Germany. Credit bureau’s task is to provide its contractual partners with information on the creditworthiness of third parties. The contractual partners are, for example, banks that grant loans. With third parties you are meant as a consumer. Credit bureau therefore tells a bank how creditworthy you are. Credit bureau needs and collects the relevant data for this. It also receives this from the contractual partners. In addition to banks, these can also be trading companies or telecommunications providers. For example, if you buy a washing machine in installments or conclude a new cell phone contract, this data will be passed on to Credit bureau and saved together with your contact details.
How is your credit rating measured?
First of all: The exact formula for calculating the Credit bureau score is not available to the general public. Credit bureau itself advertises its score procedure as transparent. However, the details are not visible. Only the responsible supervisory authority and the data protection officers of the federal and state governments know the exact formula. This always leads to criticism from consumer protection.
In any case, it depends on the data available. It can even be advantageous for you that data about you have already been deposited with Credit bureau when you apply for a loan. In rare cases, regional or geodata is used if the Credit bureau has no other information about a person. Your credit rating is then determined based on your neighborhood, which can be good or bad. But that is very rarely the case.
Normally, the Credit bureau score is determined based on the business you have already done. Mobile phone contracts, installment payments or loans taken out as well as current accounts are among the things that play a role. Based on this information and how reliably you have met the individual claims, it is calculated how likely it is that you can pay future due dates on time. If you have always paid everything back in a timely manner and the loans you have taken out are proportionate to your income, your Credit bureau score is in a positive range.
How does the Credit bureau score deteriorate?
If you do not meet the demands of your business deals, this will have a negative impact on your Credit bureau entry. If, for example, you are in arrears with the installments for a loan, this will be noted in the Credit bureau. But by repaying the liability, the corresponding entry is corrected. However, please note that in such cases only the addition “Completed” is added. The negative note is still visible. A credit despite a negative Credit bureau is possible, but it is offered to you on much worse terms. Generally, individual data in the Credit bureau that are considered to be completed are deleted after three years. Thus, such smaller delays have no long-term impact on your Credit bureau score.
The following factors have a really serious impact on your Credit bureau score:
- Personal bankruptcy
- An affidavit
- Seizure of account or wages
- A warrant
Such influences are the result of missed payment claims. While some lenders turn a blind eye to the first-mentioned negative entries, for example providers of mini-loans, the latter generally lead to a rejection.
Find out about your Credit bureau score
Once a year you can request information about your Credit bureau entry free of charge. If you are not sure about the status of your Credit bureau, it does no harm to use this service. Sometimes it can happen that a settled obligation does not automatically disappear. In such cases, you can request a correction of the information and have your Credit bureau entry deleted. This can make it much easier to apply for new loans or other businesses that affect Credit bureau in the future.
There are several kinds of consumer credit. Affected, unaffected, depreciable or renewable, complex terms that must however be differentiated. What are the rates for each? What is the point of grouping them? The various consumer credits By definition, a consumer credit […]
There are several kinds of consumer credit. Affected, unaffected, depreciable or renewable, complex terms that must however be differentiated. What are the rates for each? What is the point of grouping them?
The various consumer credits
By definition, a consumer credit is a loan granted to you to finance one of your purchases. There are different types of loans:
If the project is not defined and you want an amount of money available for several purchases, for example, the credit is said to be unallocated. This is the case with revolving credit (previously called revolving or permanent).
Granted by financial organizations, it is not intended for the purchase of goods or services. It provides a sum of money on a specific account with which you finance the purchases of your choice, without the need for proof.
Its repayment is made progressively, within the limit of the financial ceiling defined when obtaining the credit.
His advantages :
- Simple installation
- Once the amount is refunded, the maximum amount is available again.
It is intended for a specific purpose such as the purchase of a car, furniture, or the performance of work … The loan is therefore said to be affected .
It is often depreciable and granted by banks.
- Less expensive than revolving credit
- Monthly payments and cost of credit are known in advance
Please note: the withdrawal period after signing a prior offer is 14 days.
The case of personal loan
A personal loan is a type of consumer loan (with the same characteristics) but which has the particularity in certain cases of being unaffected. You can therefore use it for the purchase of goods (car, furniture, household appliances, etc.), services (financing a wedding, your children’s studies, work, etc.) or to build up cash if necessary.
- Obtaining without proof
- Lightened grant conditions
All these credits have higher or lower rates and repayment constraints.
What are the rates applied for each of these loans?
The rates that can be offered to you are:
- Revolving credit: between 6% and 20% or more
- Consumer credit / personal loan: between 4% and 8%
Even if they remain high, we are currently seeing a fall in rates, especially on consumer loans. In this context, requests increased by 8% in March after three years of decline (half of the credits granted for the acquisition of a new car).
The main characteristic of consumer credit is their accessibility. We can subscribe several easily and according to our needs. However, we must be careful not to accumulate more than our monthly repayment capacity. The risk would be to move to a debt ratio higher than the recommended 33%.
Have you accumulated many consumer credits? Including revolving credits with high rates? It is therefore in your best interest to group them!
The advantage of combining your credits
Pooling credits has several advantages:
- Restructuring your loans into one credit (even if the rates or duration of old loans were different)
- A new monthly payment adapted to your current repayment capacity
- The possibility of renegotiating the rates of some of your loans (subject to conditions)
- The request for financing a new project or additional cash
- The possibility of keeping the direct debit with your current bank
Our advice to take advantage of it: make a free simulation on our website. It will allow you to take stock of your situation, but also, to have expertise on the solutions that await you.
Do you face difficulties in repaying your loans? The repurchase of credits is there to relieve you! This financial transaction can also help if your current loans prevent you from projecting yourself into new projects. Cash can then be released. […]
Do you face difficulties in repaying your loans? The repurchase of credits is there to relieve you! This financial transaction can also help if your current loans prevent you from projecting yourself into new projects. Cash can then be released.
The benefits of buying back credits
The main objective of this operation is to help you better repay your loans by reducing your monthly payments durably . To achieve this, all of your current loans are combined into one. This makes it possible to repay a single loan with a redefinition of the rate and the duration of loan. The drop in your repayments varies depending on your financial situation, but it is always a question of taking control of your budget.
Consolidating your consumer loans is therefore a good solution against over-indebtedness. Also be aware that a mortgage can be included in a credit pool.
Remember also that the repurchase of credits is not reserved for people in bad debt. A stable financial situation and good income may sometimes not be enough. For example, if you want to materialize a new project, it is possible that your current loans are an obstacle. Reducing the amount of your monthly payments by redeeming your credits can also be a solution. Since your income is less allocated to reimbursements, they can be used to finance a new acquisition.
It is in this scenario that a cash loan can be integrated into your loan repurchase.
The usefulness of additional cash
The grouping of your credits can therefore integrate a cash loan, namely an additional sum of money which is loaned to you to help you finance your project. The amount of this cash varies according to the threshold of assumption of responsibility of each banking establishment.
By obtaining this loan from the bank that buys your credits, you do not have to borrow new consumer credit for your project later. This loan amount being integrated into the rest of your grouped loans, its repayment is included in the single credit. This has two advantages: a borrowing rate calculated on all of your debts and simplified management.
The repurchase of credits therefore makes it possible again to put projects on hold.
Do you want to optimize your financial situation to embark on new projects? Submit your request for a free and non-binding credit buyback study to receive a proposal within 48 hours.
The redemption of your credits reduces the amount of your monthly payments but increases the duration of your repayment. An increase in the total cost is also possible.