Posts in category: Business

Best plumbing services near me? Plumbing services in Singapore are equipped with the right tools to solve your plumbing chokes concerns. Among the tools they use are plungers, high-pressure water-jetting, drain cleaners, and more. We ensure that we can remove even the most stubborn clogs. Therefore, if you use a professional drain cleaning service in Singapore, you can assure that you can save on both your time and money since you will have a much lesser chance of getting into plumbing emergencies.

If you have some plumbing repair and installation jobs at any time of the day, Express Plumber Singapore is at your service. We have over 20 years of experience in the plumbing industry. Our team of plumbers are highly skilled and experienced to work. We can work on any plumbing repairs, whether you have a leaking pipe or some clogging sink. We also supply and install your basin set, shower set, and toilet bowl set. We also repair and install your water heater system. If your plumbing service is not listed below, please contact us, we will assess that concern and provide you an ideal solution. You can also check out the plumbing service rates page for the pricing of other types of plumbing services.

With over decades of plumbing experience, we know the ins and outs of this job. Fast and reliability are always in our values. We strive to deliver the best quality of work at the quickest possible time. We always aim to provide satisfaction to all our customers. So, for the highest quality of plumbing solutions, you can count on Express Plumber Singapore. Express Plumber is true with its words. In less than an hour of waiting, they have arrived at my place and be able to fix my problematic toilet. They are so responsive and very easy to communicate with. They have quickly fixed my clogging toilet and thanks to them, they save my day. Read extra information at licensed plumber.

When you smell like a rotten egg from your water heater tank, it means that bacteria infect it. You may solve it by yourself, but if it continues to have a smell, it is vital to call a professional plumber. A water heater repair specialist is familiar with what to do with this kind of scenario. If you have a leaking tank, it’s a sign that you need a replacement. You must not ignore even just a small leak. If you see the first sign of leakage, it is essential to call a water heater repair specialist. Take in mind that inappropriate installation may cause malfunction of your water heater system.

Express Plumber Singapore works on a full array of plumbing services. We can work on your clogged drain, leakages, toilet plumbing, and all sort of plumbing repair and installation. We take pride that we are a team of reliable plumbers in Singapore who are always ready to solve your plumbing emergencies. We’re always ready and at your service when plumbing issues strike! So, when you got some plumbing problems, no more worries. You can always count on us. We are just a call away. We can arrive at your place in just an hour. Find extra details at this website.

Premium guides on how to invest in gold in 2020? A company’s ability to sustain healthy dividend payouts is greatly enhanced if it has consistently low debt levels and strong cash flows, and the historical trend of the company’s performance shows steadily improving debt and cash flow figures. Since any company goes through growth and expansion cycles when it takes on more debt and has a lower cash on hand balance, it’s imperative to analyze their long-term figures rather than a shorter financial picture timeframe. In order to ascertain the investment merits of gold, let’s check its performance against that of the S&P 500 for the past 10 years. Gold has underperformed compared to the S&P 500 in the 10-year period ending Jan. 26, 2018, with the S&P GSCI index generating 3.27% compared to the The S&P 500, which has returned 10.36% over the same period.

Alf Field has been called the “world’s best gold analyst.” He is well known for his many spot-on predictions in the precious metals market and these are some of his determinations regarding the future price of gold: “In the 1970’s bull market, gold increased from a low of $35 to a peak of $850, a massive 24.3 times the low price. If the current bull market was to be of the same order, then one could project an ultimate peak of $6,221(gold’s low price in the current cycle of $256 x 24.3). Field outlined in an article back in August 2003 his conviction, which he referred to again in his concluding November 2008 article on the subject of Elliott Wave and the gold price, “that the world, and especially the USA, was heading for a major financial crisis that would be so powerful that it would overwhelm all other factors [which] I referred to as the ‘Big Kahuna’ crisis. I anticipated that the Big Kahuna would give rise to the risk of a systemic meltdown, which would result in the authorities ‘throwing money at problems’, bailing out all the banks and large corporations that got into trouble.

Unlike paper currency, coins or other assets, gold has maintained its value throughout the ages. People see gold as a way to pass on and preserve their wealth from one generation to the next. Since ancient times, people have valued the unique properties of the precious metal. Gold doesn’t corrode and can be melted over a common flame, making it easy to work with and stamp as a coin. Moreover, gold has a unique and beautiful color, unlike other elements. The atoms in gold are heavier and the electrons move faster, creating absorption of some light; a process which took Einstein’s theory of relativity to figure out.

The right investment strategy will strike a fair balance between risk level and profitability. Given the many changes brought on by COVID-19, finding a strategy that minimizes risk and maximizes profits can seem more challenging than ever. Luckily there are a few investments that have performed well throughout history, the most well known being gold. That being said learning how to invest in gold may not be at the top of your to-do list. This investment strategy can seem advanced, time-consuming, and even antiquated. However, with the right amount of research gold can be a great addition to your investment portfolio, particularly in these times. Keep reading to learn about the various ways to invest in gold, and how you can get started today.

Following the advent of gold as money, its importance continued to grow throughout Europe and the U.K., with relics from the Greek and Roman empires prominently displayed in museums around the world, and Great Britain developing its own metals-based currency in 775. The British pound (symbolizing a pound of sterling silver), shillings and pence were all based on the amount of gold (or silver) that it represented.3? Eventually, gold symbolized wealth throughout Europe, Asia, Africa, and the Americas. The U.S. government continued on with this gold tradition by establishing a bimetallic standard in 1792. The bimetallic standard simply stated that every monetary unit in the U.S. had to be backed by either gold or silver. For example, one U.S. dollar was the equivalent of 24.75 grains of gold. In other words, the coins that were used as money simply represented the gold (or silver) that was presently deposited at the bank. Read more details on how to invest in gold.

Investing in gold mining stocks is similar to investing in the stock market and the difference is just that gold mining stocks are related to the companies that are attached to gold mining. The performance of these stocks is more or less governed by the gold rates while other factors that should be considered are production cost, effective management, hedging activities etc. Investing in physical gold is the oldest method of making the gold investment. Whenever you buy gold, it is basically a gold investment. But, since we are speaking strictly on investment grounds, then there are two ways by which you can invest in gold i.e. Jewellery and Bars and coins.

Wellness consulting expert with holisticcoachingsolutions.com? Both online and traditional corporate training have their advantages and disadvantages, and complicated logistics are a big disadvantage of the latter, as organizing a number of corporate seminars and workshops can be a real headache. However, it is not always possible for companies to fully replace their traditional training programs with online ones, as they still need some of the benefits that traditional training has to offer, such as social interaction among employees. This is where blended learning for corporate training comes in: by using a blended approach you can reduce the number of live seminars and organize the rest via video conferences without worrying about locations not being convenient for all of your employees. This way, you can easily distribute your training material through your Learning Management System and, of course, contribute to the follow up of both your online and live seminars by offering additional information for further online discussion, or conducting surveys and polls to evaluate the effectiveness of your training. Last but not least, a blended approach is not only more convenient, but also much more eco-friendly; just imagine saving printing material for so many employees.

Explain your professional situation and solicit feedback. When interviewing potential business coaches, don’t be afraid to seek early feedback on your personal business issues. Ask the prospective coach how he or she has assisted others in the past with the issues or challenges that you face. Compare working styles. Like a therapist or personal trainer, each business coach has a specific style for conducting coaching sessions. Do they typically conduct their sessions in person, on the phone, or via e-mail? How long, and how much, do they charge per session? And perhaps most importantly, how will they deliver feedback to you? Make sure their coaching style suits your needs.

What Does it Take to be a Transformational Coach? Fierceness is not aggressive or violent. It’s not an “in-your-face” way to confront people and get them to change. Fierceness is not telling people what to do and how to do it. The degree to which you are committed to the well-being of the people you serve will be the degree to which you are willing to be fiercely present, fiercely available and fiercely intentional in your word, deed and actions. Compassion is not sympathy or empathy, but its close. You are exercising compassion when you remain in your own shoes while witnessing another’s human challenges. You know through your own experience that taking on the task of being human is a huge endeavor. Without judgment and without pity, you allow your heart to open and remain open in the presence of the other. Reverence, respect and awe flow through you toward the individual with whom you are sitting; this person who is experiencing some form of human drama. You allow him or her dignity to walk their own unique path of struggles, challenges and joys, while in your heart you hold a space of love and a bittersweet pride, for you know that we all walk this path together. You feel for them and at the same time you remain detached.

Introducing Holistic Coaching Solutions : A much-needed and revolutionary coaching service by Roderick M. Mason. Roderick is a certified John Maxwell speaker, trainer, and coach. He is also a certified Primal Health Coach, licensed Diversity and Inclusion trainer, and certified Bucket List coach. With his years of experience, Roderick has helped many businesses in increasing their employees’ productivity and business revenues. Discover more info at Wellness Coaching.

Imagine that I have concocted a product – a new soft drink – which I think tastes amazing. But is that enough for the success of the product? Probably not! I will test my new drink with a few representative consumers. After all, they are going to buy or choose to ignore my product. I will allow them to sample my drink and give feedback. The question I will ask is whether the drink is good (based on their opinion/perception). The next question will be – what can I do to make it better? Consumers will give their feedback – let’s say it is too sugary, or not enough flavor, etc. I will make some changes to the drink, based on the number of consumers giving that same feedback. Then I will go back to the consumer and ask them to taste the altered drink and give their inputs. This process will be repeated for a few iterations until the overall feedback to the drink is positive.

Roderick M. Mason became a certified John Maxwell Speaker Trainer Coach in the year 2015 and formulated Holistic Coaching Solution two years later. This was a part-time endeavor that became a full-time coaching solution in the year 2019. Today, Roderick is a thought leader & influencer who aspires to inspire the generations of today and tomorrow towards the road of business success. He relishes overcoming challenges and helping others find their passions and strive for excellence. In addition to this, Roderick loves cars and cherishes exploring the beauty of the outdoors in the company of his loved ones. Read even more info at https://www.holisticcoachingsolutions.com/.

VIP Financing Solutions reviews and no credit needed auto repair financing? Over 60% of Americans cannot qualify for conventional store credit products. The VIP alternative financing system can turn those shoppers into buyers with effective long-term and short-term financing. Poor credit, no credit – no worries! We coordinate with multiple lenders willing to work any consumer application. Don’t lose one more dollar of profit to larger companies that offer financing to customers – become one of them with our consumer financial services.

VIP Financing Solutions reviews: Hello and welcome to VIP Financing Solutions, your source for the most comprehensive small business financing options available. By visiting us today, you have shown that you need your small business to grow and to do that, you need to offer your customers the right financing programs. We understand the needs of small businesses and offer the industry’s largest selection of financing options that can offer you a real world solution to all of your small business financing needs.

The In-Store Credit Card – We recommend that you offer the in-store credit card option to your customer first. The application process is the same. It is possible to be approved with a credit score as low as 600. If the customer is approved they can take care of the bill and go out in the world and share your name and logo with anyone who sees the card. You get free advertising and they get the benefits that go along with carrying an in-store credit card. If they are not approved for a credit card, you can immediately apply for the Alternative Financing.

Every month you are under enormous pressure to meet your sales numbers. Others may not know it, but you understand that mattress and bedding is one of the most competitive segments of the retail industry. This high level of competition decreases your margins and puts even more pressure on you and your employees to close sales and up-sell customers. However, there is a way you can gain a competitive advantage and make your customers happier.

You face tough competition in the wheels and tire industry. Higher inventory prices mean smaller margins for you. It is critical that you find ways to increase monthly profits. VIP Financing Solutions has several programs and tools that will help you do just that. The best part about these deals is that you still get your money in your account within 24-48 hours. You can now run promotions like all the big stores. Rims and tires can be expensive. You don’t want your customers to have to settle for less than they want. That is why we specialize in wheels and tires consumer financing, backed by alternative financing. It is the perfect option for customers who are credit challenged. Read more details on VIP Financing Solutions reviews.

We know that in a retail world of razor-thin margins, every sale is critical to your success. That is why our proprietary, patented software and system is designed to get credit approvals. Our goal is to partner with you to increase your sales. We scan multiple financing sources for your customer. Unlike some providers, our partners receive the money for credit transactions in as little as 48 hours. Unlike other pet financing options there is no risk to you of customer charge backs. You don’t need to change your current merchant processing account.

Safe gold investment return recommendations for 2021 : Now coming back to the point of financial investment, today, we will try and answer the question that is it wise to invest in gold in 2020 or you should look somewhere else. Also, if investing in gold is, in fact, a great way to go, then how should one invest in gold? There are a lot of further subdivided questions that arise when we head on the way to answer this question and we will try to cover them all. To keep the information simple and elaborate at the same time, we will start with the basic and general info and then will make our way into more specific and technical domain. One more thing, to make the discussion more informative we will take up the example of gold rate in Mumbai and will stick to this to explain the concepts whenever required. So, without any further ado, let’s jump right into the discussion for today.

That said, gold trounced the S&P 500 in the 10-year period from November 2002 to October 2012, with a total price appreciation of 441.5%, or 18.4% annually. The S&P 500, on the other hand, appreciated by 58% over this period. The point here is that gold is not always a good investment. The best time to invest in almost any asset is when there is negative sentiment and the asset is inexpensive, providing substantial upside potential when it returns to favor, as indicated above.

Alf Field has been called the “world’s best gold analyst.” He is well known for his many spot-on predictions in the precious metals market and these are some of his determinations regarding the future price of gold: “In the 1970’s bull market, gold increased from a low of $35 to a peak of $850, a massive 24.3 times the low price. If the current bull market was to be of the same order, then one could project an ultimate peak of $6,221(gold’s low price in the current cycle of $256 x 24.3). Field outlined in an article back in August 2003 his conviction, which he referred to again in his concluding November 2008 article on the subject of Elliott Wave and the gold price, “that the world, and especially the USA, was heading for a major financial crisis that would be so powerful that it would overwhelm all other factors [which] I referred to as the ‘Big Kahuna’ crisis. I anticipated that the Big Kahuna would give rise to the risk of a systemic meltdown, which would result in the authorities ‘throwing money at problems’, bailing out all the banks and large corporations that got into trouble.

But this gold standard did not last forever. During the 1900s, there were several key events that eventually led to the transition of gold out of the monetary system. In 1913, the Federal Reserve was created and started issuing promissory notes (the present day version of our paper money) that could be redeemed in gold on demand. The Gold Reserve Act of 1934 gave the U.S. government title to all the gold coins in circulation and put an end to the minting of any new gold coins. In short, this act began establishing the idea that gold or gold coins were no longer necessary in serving as money. The U.S. abandoned the gold standard in 1971 when its currency ceased to be backed by gold.? Read even more info on https://medium.com/@ken_poirot/gold-investing-in-gold-9ae9c3ee3118.

Gold retains its value not only in times of financial uncertainty, but in times of geopolitical uncertainty. It is often called the “crisis commodity,” because people flee to its relative safety when world tensions rise; during such times, it often outperforms other investments. For example, gold prices experienced some major price movements this year in response to the crisis occurring in the European Union. Its price often rises the most when confidence in governments is low.

Simply put, gold futures are contracts to buy and sell gold at a certain point in time. Each contract represents a certain amount of gold, and depending on the specifications can pay out in either a dollar amount or the physical gold. Gold futures can be very large, making this a strategy best suited to investors with the capital to purchase high-valued contracts. There are also options on gold futures to consider. This provides investors the option to purchase a futures contract for a preset price at a certain point in time. Options can help buyers leverage their initial investment, though they are required to pay the underlying value of the gold to fully own the option. Both gold futures and options are considered to be volatile — making them more difficult to break into and manage when compared to other forms of gold investments.

Business process outsourcing company by IndiaRep? Project Execution & Performance Management: Now your trained team is ready for taking on the tasks and delivering as per pre-agreed quality & efficiency norms. The Project Manager who is also trained on the process monitors the team continually and rates their performance as per pre-agreed performance metrics and reports daily/weekly or as agreed to you. Regular communication via video calls ensures that your team becomes like an extension of your on-site team. We are always looking to enhance the process and improve whenever possible by sharing insights on how it could be done faster or better.

Outsourcing your data entry process also frees your management from overseeing a routine task and enables them to focus more on critical tasks which lead to business growth. Whether it is a few thousand records or a few million records to digitize and manually enter, India Rep Co. offers you affordable and high-quality data entry service from its delivery center in India. We incorporate best-in-class data entry technology to automate the data entry process by using the latest OCR and ICR technologies.

Put in simple words, outsourcing is the practice of obtaining goods and services from a foreign supplier. This is most commonly used in industries where there is either a shortage of labor for particular positions or where the cost of labor is too high. For example, software developers or designers. Outsourcing can be used for any position whatsoever, but today we see companies using it for non-fundamental roles, those whose function is to provide support to the central infrastructure of the company or aid in the day-to-day operations of the company.

India Rep Co. Delivers Comprehensive Data Mining Solutions. India Rep Co. is a full service data mining company from India. We handle projects of any size including long term team deployments as well as short term projects. Online Data Mining – We discover or mine data from around any available public source on the internet including B2B, B2C websites, blogs, forums, news articles etc. Social Media Data Mining – We can mine data from all social media channels such as Facebook, Twitter, LinkedIn etc. and provide valuable insights on your customers, competitors, etc. as well as help spot trends and consumer preferences. Read even more details on Data entry company.

India Rep Co. is an expert Catalog Management Services provider from India. We possess experienced staff with multi-lingual data processing ability. Our catalog management team can process large volumes of data and create digitized catalogs to service all your requirements. eCommerce companies can outsource all their catalog management tasks to India Rep Co. for maximum savings and improved efficiency. India Rep Co. Delivers Comprehensive Catalog Management Solutions: India Rep Co. is a full service catalog management services company from India. We handle projects of any size including long term team deployments as well as short term projects.

Scale Up or Down with Ease: Easily scale the size and composition of your remote team to suit your immediate business requirement. Increase in Productivity: With an offshore team in India you are able to operate your business around the clock. Our offices never close and are open 24/7. Access to Top Talent: Building a remote team in India means you have more access to talent that was not available back home, usually at a fraction of the cost. Reduced Risks & Legal Liability: Outsource your staffing requirements to reduce your liability and risks associated with hiring in-house employees. See even more info at https://indiarep.co/.

Des vacances sur mesure au Vietnam? Nous proposons, à travers ce circuit Vietnam, de vous faire découvrir ce long pays dans sa presque totalité: vous allez vous écarter de temps en temps des grandes routes touristiques, prendre des chemins en terre battue pour aller découvrir les villages authentique, se promener à vélo et en sampan, avant de descendre dans le delta du Mékong et de se laisser entraîner par un bateau privatif dans le monde des silences agitées.Rien ne vas vous échapper : les beaux paysages des trois régions, les populations accueillantes appartenant à une très grande diversité ethnique, les monuments, les vestiges historiques et culturelles, sans pour autant oublier la partie détente et repos pour un long voyage comme celui-ci.

Circuit Vietnam Cambodge journal: Après le petit-déjeuner, transfert à l’aéroport pour prendre le vol du matin à destination de Saigon. Accueil à l’aéroport et transfert à votre hôtel à Saigon, puis vous partez à la découverte de la capitale économique du pays et visitez notamment : les vieux quartiers résidentiels coloniaux, où vous pourrez jeter un coup d’œil à l’hôtel de ville, l’Opéra, la Cathédrale Notre-Dame construite au XIXème siècle, flâner près de la magnifique Poste centrale signée Gustave Eiffel. Déjeuner dans un restaurant. L’après-midi, découverte du quartier chinois « Cho Lon » et son impressionnant marché Binh Tay. Terminez votre journée par la visite d’une fabrique de laque. Dîner libre.Nuit à Saigon.

Les tunnels de Cu Chi sont un immense réseau de tunnels souterrains de connexion situé à environ 40 km au nord-ouest de Ho Chi Minh-Ville (Saigon). Les tunnels ont été utilisés par les guérilleros du Viet Cong comme cachettes pendant la guerre du Vietnam, et ont été la base des opérations de l’offensive T? T en 1968. Les tunnels sont devenus une attraction touristique populaire, et les visiteurs sont invités à ramper dans le plus sûr. parties du système de tunnels. Lis supplémentaire info à sejour Vietnam pas cher.

Hanoi : La capitale du Vietnam possède de nombreux monuments que votre famille peut visiter. Vos enfants apprécieront la “rue des jouets” Luong Van Can et des rues piétonnes autour du lac de l’Épée, où des jeux traditionnels et plusieurs autres animations sont organisés tous les week-ends. Le musée d’ethnographie de Hanoi a été classé comme l’un des musées les plus attrayants en Asie. Il s’étend sur 3 ha, sa partie extérieure est un grand parc agréable qui abrite une dizaine de maisons traditionnelles des différentes minorités.

La campagne verdoyante des rizières entourant Sapa, bordée par les pics déchiquetés des montagnes Hoang Lien (souvent encore connues sous leur nom de l’époque coloniale française des Alpes tonkinoises), abrite les plus belles vues rurales du Vietnam. Les vallées profondes ici abritent un mélange diversifié de minorités ethniques du pays, notamment les Hmong, Giay et Red Dzao, tandis que les collines ondulantes sont en terrasses avec des rizières et surplombées par le plus haut sommet du pays, la montagne Fansipan. C’est la meilleure destination de trekking au Vietnam, avec une multitude d’options pour faire du trekking ou de la randonnée d’une journée entre de minuscules villages et admirer la vue imprenable sur les montagnes. Sapa elle-même est la base principale ici – une ancienne station de montagne française et maintenant un centre touristique animé et en croissance constante qui contraste fortement avec la somptueuse campagne tranquille juste à sa porte.

Expert investment return tips for 2021 : A company’s ability to sustain healthy dividend payouts is greatly enhanced if it has consistently low debt levels and strong cash flows, and the historical trend of the company’s performance shows steadily improving debt and cash flow figures. Since any company goes through growth and expansion cycles when it takes on more debt and has a lower cash on hand balance, it’s imperative to analyze their long-term figures rather than a shorter financial picture timeframe. In order to ascertain the investment merits of gold, let’s check its performance against that of the S&P 500 for the past 10 years. Gold has underperformed compared to the S&P 500 in the 10-year period ending Jan. 26, 2018, with the S&P GSCI index generating 3.27% compared to the The S&P 500, which has returned 10.36% over the same period.

Now coming back to the point of financial investment, today, we will try and answer the question that is it wise to invest in gold in 2020 or you should look somewhere else. Also, if investing in gold is, in fact, a great way to go, then how should one invest in gold? There are a lot of further subdivided questions that arise when we head on the way to answer this question and we will try to cover them all. To keep the information simple and elaborate at the same time, we will start with the basic and general info and then will make our way into more specific and technical domain. One more thing, to make the discussion more informative we will take up the example of gold rate in Mumbai and will stick to this to explain the concepts whenever required. So, without any further ado, let’s jump right into the discussion for today.

Rosenberg, the former Merrill Lynch North American Economist and current Chief Economist and Strategist for Gluskin Sheff, an independent investment firm for high net worth individuals, believes that “$3000 an ounce on gold may yet prove to be a conservative forecast.” He went on to say: “if the gold price to world GDP ratio were to ever scale up to the peak three decades ago, it would imply an ultimate peak for gold of $5,300 an ounce. if the relationship between gold and the M3 money measure where to revert to the 1990 high, then gold would move to $5,700 an ounce. if gold were merely put on the same footing as the CPI, and head back to the previous peaks in this ratio, it would suggest $2,300 as the peak in gold — only a double from here. if the gold price-M1 ratio was used then gold would go to $3,100 per ounce under the proviso that prior highs get re-established.”

Investors can invest in gold through exchange-traded funds (ETFs), buying stock in gold miners and associated companies, and buying physical product. These investors have as many reasons for investing in the metal as they do methods to make those investments. Some argue that gold is a barbaric relic that no longer holds the monetary qualities of the past. In a modern economic environment, paper currency is the money of choice. They contend that gold’s only benefit is the fact that it is a material that is used in jewelry. On the other end of the spectrum are those that assert gold is an asset with various intrinsic qualities that make it unique and necessary for investors to hold in their portfolios. See even more information on https://medium.com/@ken_poirot/investing-return-for-investment-5a305dcc156c.

Demand for gold has also grown among investors. Many are beginning to see commodities, particularly gold, as an investment class into which funds should be allocated. In fact, SPDR Gold Trust, became one of the largest ETFs in the U.S., as well as one of the world’s largest holders of gold bullion in 2008, only four years after its inception.

Gold jewelry is probably the most frequently bought and sold form of gold investment, though you may not even think of it as such. In actuality, gold jewelry is highly beginner-friendly because it is so easy to acquire. According to Investopedia, about 49 percent of global gold production is used to make jewelry. Generally, any piece of jewelry at 14k or higher is considered an investment in gold. While it is relatively simple to obtain, there are some drawbacks to consider. In some cases, gold has a questionable resale value. This means it may be difficult to identify a buyer and sell your jewelry for a profit.