Instagram Adds Stories Provide Insight on Viewer Engagement
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On the other hand, we denounce with righteous indignation and dislike men who are so beguiled and demoralized by the charms of pleasure of the moment, so blinded by desire, that they cannot foresee the pain and trouble that are bound to ensue; and equal blame belongs to those who fail in their duty through weakness of will, which is the same as saying through shrinking.These cases are perfectly simple and easy to distinguish. In a free hour, when our power of choice is untrammelled and when nothing prevents our being able to do what we like best, every pleasure is to be welcomed and every pain avoided.
“ Sed ut perspiciatis unde omnis iste natus error sit voluptatem doloremque laudantium, totam rem aperiam “
By Courtney HenryBut I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and I will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the master-builder of human happiness. No one rejects, dislikes it.
Unofficial Holidays
But I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and I will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself
Holdiday planning month:
-
Suspendisse ullamcorper diam sit amet nunc auctor, a lacinia augue ornare. -
Morbi sed enim lobortis, mollis nunc non, facilisis magna. -
Praesent convallis tellus quis metus dapibus, vitae bibendum dui gravida. -
Pellentesque bibendum risus luctus dolor consequat, et bibendum est tincidunt.
But I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and I will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself, because it is pleasure, but because those who do not know how to pursue pleasure rationally encounter
What is the Metaverse. How it Will Change Social Connection?
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On the other hand, we denounce with righteous indignation and dislike men who are so beguiled and demoralized by the charms of pleasure of the moment, so blinded by desire, that they cannot foresee the pain and trouble that are bound to ensue; and equal blame belongs to those who fail in their duty through weakness of will, which is the same as saying through shrinking.These cases are perfectly simple and easy to distinguish. In a free hour, when our power of choice is untrammelled and when nothing prevents our being able to do what we like best, every pleasure is to be welcomed and every pain avoided.
“ Sed ut perspiciatis unde omnis iste natus error sit voluptatem doloremque laudantium, totam rem aperiam “
By Courtney Henry
But I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and I will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the master-builder of human happiness. No one rejects, dislikes it.
Unofficial Holidays
But I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and I will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself
Holdiday planning month:
-
Suspendisse ullamcorper diam sit amet nunc auctor, a lacinia augue ornare. -
Morbi sed enim lobortis, mollis nunc non, facilisis magna. -
Praesent convallis tellus quis metus dapibus, vitae bibendum dui gravida. -
Pellentesque bibendum risus luctus dolor consequat, et bibendum est tincidunt.
But I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and I will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself, because it is pleasure, but because those who do not know how to pursue pleasure rationally encounter
A Guide to LaunchbyDSC’s Unique Structure
We launched a few days ago but already helped dozens of you. We also realized that LaunchbyDSC Lending seemed a little bit complicated to understand. So here is our Guide to LaunchbyDSC. We will explain both what happens on the client side and what we do in the background. That way you can picture the whole, in fact very rigorous, process. This way you can understand how we cut the cost of processing an application 300 times and how we can do it 200 times faster.
☝️Main concept: Customers are more involved in the process when working with LaunchbyDSC Lending than when they deal with a broker. The process is still extremely simplified and easy because of the innovative technologies that we utilize. Innovations helped us make it 100 times cheaper for you.
1️⃣ Initial Application. Let us understand your needs Once you land on our website you are offered to complete a simple, very streamlined application process. The first few steps of the application ask about your revenue, the amount of money you wish to borrow, whether you have a particular product that you are interested in and so on. These questions help us find the best product for you. For example, if you are a startup you need business loans that are based on your personal credit history. Alternatively, established businesses with high revenue are matched with top tier lenders with highly competitive terms.
2️⃣ Create an account. Complete your application As soon as you create your free LaunchbyDSC Lending account, you are asked to complete your business profile and application. Here we more information about your business and yourself. We wish we didn’t have to ask those questions, however, our lenders need that data to generate offers. Remember, your data is secured, encrypted and we do not sell it to anybody else.
3️⃣ Link bank account or attach statements Most of the business lending is based on revenue. In order to do that banks and credit unions need to access your business bank account. Historically, lenders asked for your business bank statements, however, we integrated an innovative tool called Plaid right inside LaunchbyDSC Lending. It allowed us to link your bank account directly to your profile via a secure connection. Now we can get all the necessary data without having you search for the bank statements. Right after you simply link your bank account, using your bank’s login and password (☝🏿we don’t have access to your login and password), we analyze your balances, deposits, and deductions automatically within 2 minutes. The majority of our customers find linking the bank account more useful, however, you can still submit downloaded copies of your bank statements as well. ☝️Note: Technically, we are ready to submit your application once we have your financial data analyzed. Occasionally, we might need some additional information such as the purpose of your loan and your main concern. This process is called a merchant interview. 🧠Meanwhile, at the back-end While you are busy preparing your application for submission, our servers and algorithms are busy trying to find the best loan for you. Aside from just handling your application and analyzing your financial data, our servers are pre-qualifying you for a loan. I will be honest lenders vary drastically and their requirements are all over the place. It includes minimum time in business, deposits, NSFs (eww), prohibited industries, prohibited states and so on. We spent hundreds of hours standardizing their underwriting guidelines (a fancy term for requirements) so algorithms can match you perfectly with the best loan. We are constantly learning as well, we have some machine learning algorithms in place to improve our approval predictions.
4️⃣ We submit; you rest or upload your documents to save time Let’s say, the system found you great pre-qualifications. At that point it will slowly send them out to lenders; it will not spam them or throw your application around hoping 💩“sticks somewhere”. First, your application is sent to lenders from the highest tier you are pre-qualified for and only to those that offer “soft pulls” (do not affect your credit). We will send your application to the lower tier lenders only if the higher tier lenders denied you an offer. Our system is exceptional for this industry, but since we don’t get paid by lenders at all (we sell at BUY rate as we said before), we are able to find an offer with the best terms for you, not the highest commission for us. 🧘🏼♂️While our system is busy doing all the above work, you are free to just sit, relax and wait for offers to arrive. There is one thing you could do though; if everything goes well lenders will need some documents from you (ID, voided check and the proof of ownership) to draft the contract. We can cut another few hours from the process if you upload those document ahead of time from your dashboard. Of course, we won’t send those documents to lenders unless you accept the offer, which is our next step.
5️⃣ Accepting offers and signing contracts How long shall you wait for offers to arrive? We are asked this question a lot but this part of the process doesn’t depend on us. It all depends on what you qualify for. If your business is in very good shape and we sent your file to Top Tier Lenders, we are usually able to provide instant approval. Lower tier lenders are not that quick, unfortunately. And those from the fourth or fifth tiers are still in 1996 tech-wise tbh. All offers are simply listed on your dashboard so you can research them, compare them and pick the most appealing offer. Accepting offer is as simple as clicking a button 🖲. Once you accept the offer our system automatically sends the documents you attached earlier 👆🏽(or asks you to upload them) to the lender and requests contracts for you to sign.
6️⃣ Final steps in our streamlined closing process At this point, we are just a couple of steps away from getting you a loan. If everything goes well, we get your contracts back as soon as in 10-15 minutes. Contracts are available for you to read and sign right from your dashboard. Some lenders only need an electronic signature (DocuSign), while some get contracts signed in front of a video notary 🤳🏻(another high-tech thing that we implemented). ☝️Note: Some lenders have a required merchant interview at the end of the process, just to make sure they are not sending $100k to a non-existent person. Once we are done with the paperwork, you are on a path to get funded the following business day. Go out, have dinner, work until late improving your business and expect the money in your bank account the next thing in the morning 💰! Congratulations! It might sound hard and complicated, but in fact, it is not that hard. We tried to make it simple, streamlined and intuitive here at LaunchbyDSC Lending. Looking forward to getting you funded!
A free guide to refinancing
Ever since we decided to bring Silicon Valley to the lending business, we kept looking for opportunities to help businesses lower their interest rate. This was especially true because we mostly work in subprime lending where interest rates are extremely high. Since we are able to offer businesses the wholesale rate from the lender, we figured that refinancing is a very important program that we absolutely had to launch.
While we offer a real tool to lower your interest rate, we also want to give you options to consider first. In this blog post, we will try to explain what refinancing is; what things are important to look when refinancing a loan, and most importantly how to get the maximum out of it. As always if you have any questions, concerns or comments, you can email us and share with us your ideas and thoughts.
First of all, let’s figure out what refinancing is and how it works. Refinancing, in basic terms, is a loan that replaces your current loan and brings you some benefits with it. The most common benefit that comes with a refinanced loan is an opportunity to extend the term of the loan, lower your interest rate or your monthly payment amount. Refinancing is so widely used, in fact, the absolute majority of new loans at any given moment are refinancing loans.
☝🏻 Types of refinancing:
Refinancing is a general term, and the purpose or the final benefit of the refinanced loan usually determines its type. There is a couple of main goals of refinancing.
* 📉 To lower your interest rate
Lower Interest Rate – this is one of the most common types of refinancing. It is also the most common type here at LaunchbyDSC, mostly due to the fact that we work in subprime lending where rates and extremely high and fluctuate a lot. There are so many factors that could have influenced your initial loan and bumped its interest rate. The lender could simply overlook your deposit, your credit card utilization could have been a tiny bit higher than usual, or there could have been a negative day on your bank statement. As a result, you ended up having a loan 5% or 10% higher than it should be. If your financial situation improved or your credit score went up and you made your payments on time, the chances are you can get a lender to purchase your initial loan and get you a new one with a much lower interest rate.
You can lower your interest not just when your credit score goes slightly up. Because of huge technological advancement and innovation lenders and brokers are able to offer rates that were not even imaginable 10 years ago. Algorithms, machine learning, automation made it possible to do things seamlessly, faster and cheaper. LaunchbyDSC Lending, for example, spends 5 minutes to process an application, other brokers spent 11 hours, we use free robots, brokers use expensive human underwriters. As a result, we can refinance and cut up to almost 10% from virtually any small business loan.
* 🗓 To extend the term of the loan and reduce your payment amount
Extending the term of the loan is a widely used program that allows you to lower your payment and decrease pressure on your cash flow. There are essentially two main ways of doing so. First, for example, imagine you had a loan for 3 years and had already paid for one full year. However, you do not want to keep paying the same amount you paid previously. At this point, you can find another company to pay off the remaining balance on your loan and get you a new three-year term loan. While your interest might or might not stay the same, your monthly payment will be lowered by around 20-25%. That would be very helpful for your business cash flow.
Alternatively, if your credit score also significantly improved since the time you got the first loan, you can also just simply increase the term of the loan. For example, instead of 6 months, you can now have a year to pay off the loan. It will not just decrease the monthly or daily payment, it will also drastically reduce your APR.
❗️Things to consider:
Refinancing helps many borrowers but it is not always beneficial. There is a number of things to consider.
* Early repayment penalties. This factor is very common for subprime business loans, lenders simply want to have you stick with them and won’t allow early repayment. Luckily, we have a unique refinancing program for short term business loans and have the leverage to convince lenders to let you refinance the loan.
* Front-loaded interest. If you have a mortgage or a long-term loan, you pay interest before paying off your principal balance. As a result of refinancing you might end up paying double interest and eliminates the whole benefit of refinancing.
Just keep these factors in mind when you apply for refinancing. Luckily, LaunchbyDSC Lending’s Refinance Program is specifically designed to address these factors.
👻 How does the process work?
You may be surprised to find that it’s not a couple-of-emails-and-a-phone-call-or-two process. In fact, there may be more paperwork involved this time around than when you first got the loan. These are some important steps that the process requires:
1. Determine the goal. As we said earlier people use refinancing for a variety of reasons. Therefore before applying anywhere, understand do you want to lower your interest or extend the term of the loan. It actually never hurts to try and won’t affect your credit score if you do it through LaunchbyDSC Lending.
2. Research your current loan. You can make it much easier for yourself and your broker if you know all the details of your current loan. It is especially important for high-risk loans (merchant cash advances, short-term business loans), they might have early repayment penalties and some other “details” that might complicate the process.
3. Learn and improve your current credit score. While it is hard to improve your credit score by wide margins, it is definitely possible to tweak it by 20-40 points by paying off your credit cards or increasing your credit card limits.
4. Shop for your best mortgage rate. Luckily there are many choices to apply online and get offers instantly. LaunchbyDSC is also a marketplace for loans, here you can get the best rate from over 100 lenders.
5. Know your deal. Once you picked an offer that looks promising, you should research it and make proper calculations to determine if this deal is actually beneficial for you. Don’t jump blindly for any refinancing offer, you might be in fact paying more than if you keep your loan.
6. Submit the paperwork. Refinancing requires some work to be done. Lenders have to negotiate between each other and you might need to submit some extra paperwork to make sure the deal goes smoothly.
✅ Final point:
Today we spoke about refinancing. Our job here at LaunchbyDSC is to make your process as streamlined as possible, however, you might want to refinance your elsewhere. Do not forget to keep our tips and this article in mind no matter where you decide to refinance your current business loan or whether you need it in the first place.
Things lenders look at when offering you a business loan
💰 Today we will take a glimpse into the most interesting and complicated part of the lending business – underwriting. I believe it would be awesome if many of you had a chance to look into the underwriting process and understand it better. It will allow you to prepare and make better decisions, submit better applications and get higher offers.
The process actually varies from lender to lender and from the product to product. I will try to explain how the process works for small business loans because we specialize in them. But the general understanding and the general principles are the same for all type of loans. So let’s say you have submitted an application. As you probably know by now we pre-qualify your application and submit it automatically to lenders.
I will quickly explain what we do for pre-qualification because it is also a part of the process. Lenders send us specific guidelines for every single product that they offer. Usually, those guidelines have things like minimum deposit requirement or minimum time in business. Each lender also specifies prohibited states where it cannot do business and prohibited industries that it does not fund. But let’s say you passed the pre-qualification requirements and your file is to table of the underwriter.
📋 So usually the system works the following way:
- Underwriter double checks if your file fits their standards. He goes back to the same minimum deposit requirements and minimum time in business. He carefully checks more details such as the number of deposits, the quality of deposits and so on. They also look into other things such as current balance and existing loans. If you do not pass the minimum standards, your file is sent back to LaunchbyDSC.
- If your file passes those standards they will get to review your credit score and history. Depending on the lender underwriter does either a soft or hard pull on your credit and reviews information about your default. Lenders have access to a specific database where all defaulters are being recorded. If your file is OK, you do not have any default or tax liens, the lender will submit your file to final underwriting.
- Basically, after the first and the second steps, your lender is on the path to send you the offer. It means your credit score fits their minimum, your default history satisfies them, and you fit their standards.
- At this point, the job of the underwriter becomes to calculate the amount of a loan that they can offer. They can see the amount through your deposits, expenses and current balances. Basically, this allows a lender to figure out your free cash flow, the amount of money you are able to afford.
- Each underwriter and lender has specific requirements for free cash flow. Basically, they can see how big of a loan they can offer and you can afford. Let’s say you have $10,000 in free cash flow a month. It means that you can afford $10,000 in monthly payments.
☝🏾 Note: it is very important to know this fact. The amount of the loan is based on your deposits, business revenue, expenses, and current payments; the interest rate, and the length of the loan are based on your credit score.
- Underwriters have a chart for terms of the loan and interest rate. They basically match you and your credit score with a corresponding interest rate and a term. They may also have maximum allowed loan amounts for each credit score type.
- So once your lender matched and did all the homework, basically has a loan offer for you. Let’s say your credit score was 600, and it corresponds with a 10 months loan was a buy rate of 1.29. It basically means that you are allowed to have a $100,000 loan at a 1.29-factor rate.
So your offer is ready the underwriter sends it to your broker and hopefully gets the loan signed and funded soon. We tried to show you how underwriters look at your file so you can have a better understanding of what happens in the background. Richie Lending is a company that allows making this process as seamless and smooth as possible, please rate your comments and questions.
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How to avoid or stop spam calls soliciting small business funding?
Are you bombarded by a huge amount of soliciting phone calls? Did it start right after you applied for a small business loan? If yes, you are not alone. Hundreds of small business owners receive endless soliciting phone calls. These spammers use sophisticated technology, use fake area codes and different numbers just to increase the chances of you picking up the phone. You cannot block the phone number and they won’t likely remove you from the calling list either.
Today, we will review these practices, find out how phone numbers are exposed, what to do if you are a victim spammers and how to avoid becoming one in the first place. You will be surprised, your data is almost always sold, resold and forwarded between lenders, and even the government unintentionally complicates this issue through a thing called UCC (Uniform Commercial Code).
☝🏽 Why do lenders and brokers even make cold calls?
The vast majority of small business owners with merchant cash advances or short term business loans are older and less tech-savvy. Most of the guys own mom and pop shops, restaurants and truck companies. Lenders, many of whom with Wall Street background, think that cold calling is the most efficient way to sell business loans to these guys. In reality, cold calling is extremely inefficient and that is why subprime loans are so expensive. Nevertheless, cold calling is a big part of American culture, it is still being used and it will exist as long as brokers receive commissions and merchants take loans. The devil is in details.
🏢 Leads, privacy, and UCC. How my numbers are exposed?
First of all, you probably wonder how they even get your contact information. It sounds easy, just collect publicly available data and simply call every single business in town, state or region. However, doing so is unsustainable, lenders and brokers had to find a way to find those looking for business funding, recent applicants, existing or past borrowers.
Internally, a prospective customer is called a lead. There are three main sources for these ‘leads’:
- Purchasing leads online
The industry is unregulated which means small very dishonest brokers or lenders might sell your information to others. Even reputable lenders have dishonest employees selling customer information. I saw information about customers of well-known lenders being circulated around. While this source of leads is borderline illegal, morally questionable and straight-up nasty, you will be surprised how widely it is being used.
- Previously submitted applications to multiple lenders
This source is less outrageous but as annoying as the first one. When you apply for a loan through a broker, you let your broker send your application along with contact information such as your phone number, address and email to multiple lenders. Brokers send your file to as many as 10 lenders at a time, basically throwing you like a piece of meat to predators. Meanwhile, lenders understand they are competing for you with many other lenders and try to get in touch with you as soon as possible. While they just want to make sure you pick them over others, 10 of them calling you and emailing is annoying. Remember, you are forever in the lenders’ lists of potential customers and they will solicit you in the future.
Therefore, use a reputable broker, that protects your data from lenders as well. Here at LaunchbyDSC, we developed a unique proprietary system that keeps customer data hidden even from lenders. Using data science and encryption we submit customer’s file as an anonymous business and let lenders contact prospects only once offers are accepted. That’s how our customers never receive soliciting phone calls from lenders.
- Data from the Uniform Commercial Code (UCC)
There are situations when the government does something to protect us but in fact, harms us. The same happened to the Uniform Commercial Code or UCC. There are many resources explaining what the UCC is, we will publish an article explaining UCC in detail later on this year but shortly it is a set of laws regulating commercial transactions within states. The part of UCC that is applicable for small business lending is Article 1 which governs what is called UCC liens and fillings. Basically it is a database of all small business borrowers and everything that was used as collateral for loans. The database also includes information about all the businesses that are in default, previously defaulted or have any sort of liens.
Now, imagine I want to get a list of all business owners who received loans in the past or have collateralized business loans. I don’t need to purchase leads from the Internet, I can just go to UCC and get all the information for free, openly and absolutely legally.
A database that was built as a tool to protect borrowers became a tool for their unlawful solicitation. Companies hire data centers to collect information about UCC filings in every single state, combine it and get the most updated, most complete and truthful source of customers. While UCC doesn’t have contact information any sophisticated developer can match business with its contact information online. Unfortunately, it will continue indefinitely until the government takes action.
🧠 How can I avoid spam calls?
There are things you can avoid, but there are also things you can’t avoid when applying for a loan. For example, you can avoid exposing your phone number or email to lenders; but you can’t escape being listed in credit bureaus or UCC. You should mitigate the risk of having your data exposed and take the necessary preliminary steps such as:
- Protect or use a masked phone number. There are dozens of different calling or texting applications you can download on your smartphone. They usually provide you with an additional phone number. You can use that number every time you apply for a loan. Since the number functions just like a regular phone number, lenders or brokers will never have problems using that number for communications. However, they won’t be able to bother you in the future, even once your information gets to the databases.
- Avoid little known brokers with a questionable reputation. Research your broker and make sure you are aware of your broker’s reputation and practices. If your broker has 20 one-star reviews on google, that is not the guy you should trust your very personal information.
- Try new innovative tech companies or go with bigger brands like Fundera, Lendio or Lending Tree. There are many Silicon Valley-type companies out there, bringing technology and innovation to small business lending. They might offer better terms and better privacy protection. We, here at LaunchbyDSC, are also a technology company and developed a very unique system of protecting our customer’s data from spam calls.
📋 What should I do if I am already receiving spam calls?
Let’s say you did not see our blog so taking precautions is not an option anymore. Here are some tips that will help you in that situation. Unfortunately, it is almost impossible to stop phone calls completely once your data is exposed. You can, however, opt-out from some of the brokers or lenders.
Remember, you have a right to opt-out and request to be removed from the cold calling list. The law, in general, protects you from soliciting phone calls, however, to stop it completely you have to go through every single lender or broker in the country, which is virtually impossible. Even then your request to be removed from the list might not be fulfilled.
Brokers and lenders use sophisticated technology, create fake phone numbers, and unsubscribe you from that “number” while being able to solicit you from any other phone number effectively making it impossible to opt-out.
Still, here is what you need to try:
- Be very strategic and smart about opting out. Pretend that you are interested and ask the name of the company calling. Once you trick the broker to provide you the full company name, politely ask to opt-out. The very fact that you already know the company name will prevent the same company from ever calling you. If they ever decide to be suicidal and do it again, complain to the Federal Trade Commission. This strategy might help to decrease the number of companies, sadly you will have to go over dozens of calls before seeing any effect.
- Know your rights. Lenders and brokers can’t call you on weekends, holidays or after business hours. (This only applies to cold calls)
- Use spam detectors, download spam detecting applications to your phone. It will help enormously.
If nothing helps, go ahead and change your phone number. It is the only way to actually stop the calls.
PS: Do not, however, repeat your mistakes, follow our tips on how to avoid spam calls. Use reputable companies that will protect your personal data.
My fourth blog post title
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap introduction electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
My third blog post title
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
My second blog post title
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.