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By MarketWatch

Don’t miss these top stories:

• Your retirement health-care tab will run $240,000

• Avoid these 10 money mistakes your parents made

• Unfairness to homeowners blocks recovery

The latest estimate from Fidelity Investments finds that a 65-year-old couple retiring this year and Medicare-eligible will pay $240,000 for health care in retirement.

And get this: That number likely is underestimating the cost for many people, given that it doesn’t include dental care and long-term care.

Read our story for strategies on how to deal with health-care costs in retirement. Plus, find out what college grads should know about avoiding 10 big money mistakes their parents made.

And don’t miss our story on how discrimination against homeowners–the one type of property owner generally not allowed to reduce their loan balance to the property’s current value–may be hindering an economic recovery.

–
Andrea Coombes
, Personal Finance editor

Your retirement health-care tab will run $240,000

Retirement health-care costs are enough to cause a severe anxiety attack. Even with Medicare benefits, a 65-year-old couple retiring in 2012 will spend at least $240,000 in retirement, according to the latest estimate from Fidelity Investments. Here’s how to deal.

Your retirement health-care tab will run $240,000.

Avoid these 10 money mistakes your parents made

The best advice for college grads? Avoid the financial traps into which many adults have fallen.

Avoid these 10 money mistakes your parents made.

Unfairness to homeowners blocks recovery

Our legal system permits every kind of property owner to reduce their mortgages, with one exception: homeowners.

Unfairness to homeowners blocks recovery.

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Financial Glossary

Words used in this article:

Consider an auto loan or even a bad credit auto loan quote on the internet provided by Driver Approval.

For a limited time, Amazon.com is offering a free e-book, Saving for Retirement without Living Like a Pauper or Winning the Lottery, HERE. Ive read this one myself — its a good book on retirement planning. Note: Amazon.com changes prices frequently, so make sure its still free when you go to get it. (Its regularly $19.99.)

Although this book is offered in Kindle format, it can also be downloaded to your computer and other devices. For more information, go HERE. Click HERE for a list of the free games and HERE for a list of the free books offered by Amazon.

Purchase a timely, easy bad credit auto loan countrywide.

Pang Da ORIX (China) Auto Leasing Co., Ltd. is expected to be established in April of this year, with both ORIXs Chinese subsidiary, ORIX (China) Investment Co., Ltd. (hereinafter, ORIX China HQ) and Pang Da each investing 50%. The new company will have 300 million yuan in capital, and it will acquire a business license from the Chinese government to start operation.

Established in 1988, Pang Da is the first Chinese auto-related integrated services group that was listed on Shanghai Stock Exchange as A shares that offers services such as auto sales, maintenance, auto insurance agency, and used autos sales. Pang Da has a sales and maintenance network of approx. 1,100 locations throughout 26 provinces, handles approx. 90 brands of Chinese and overseas autos, and is No.1 in China for auto sales with 470,000 units sold during fiscal year 2010.

This joint business will allow the integration of Pang Das broad ranging business platform and ORIX Groups auto leasing know how accumulated over the years in the global market, enabling provision of high value-added services in the Chinese auto leasing industry where further expansion is expected. In addition, the joint business will be an opportunity to consider new services such as auto management business tailored to the needs of the Chinese market.

In 2011, 18.5 million autos were sold in China, which set the record for annual sales of new autos in a single country. Furthermore, China has maintained the No. 1 position in the world for three consecutive years in a row, backed by high economic growth. The world is starting to take notice of Chinas auto market, which is larger in scale compared with Japan, which recorded new auto sales of 4.21 million units in 2011.
On the other hand, auto leasing accounts for less than 1% of the number of autos in China, presenting large potential for growth in Chinas auto leasing market.

Since establishing its first location in China in 1981, ORIX has been providing financial services in China, capitalizing on the know-how accumulated through business expansion in Japan and overseas. ORIX established ORIX China HQ in December 2009, and, having been approved as a multinational corporation regional headquarters by the Chinese government, it has been actively expanding businesses such as leasing and private equity investment in China. In addition, ORIX has been accumulating expertise that tailors to individual market and needs, and it currently offers auto leasing business in 19 countries and regions worldwide including Japan.

ORIX aims to further increase its presence in China, an up-and-coming market that is the focus of global attention.

Return To View More News…

You can expect auto loan financing and bad credit auto loans found at affordable premiums.

SEATTLE, May 1, 2012 /PRNewswire via COMTEX/ –
Seattle-based vehicle insurance resource CarInsuranceRates.com recently responded to a new report by the Society of Automotive Engineers (SAE) that claims close to 2 million accidents are caused by drivers neglecting to appropriately use turn signals annually. The report also suggests close to 50% of drivers neglect to use a turn signal when changing lanes or forget to turn them off in a timely manner. This translates into approximately 2 billion turn signal violations each day or 750 billion times each year, according to the SAE.

“These findings are very unsettling for drivers and passengers everywhere,” CarInsuranceRates.com company spokesperson Nathan Ackerman said. “The vehicle insurance claims data we receive from voluntary surveys is consistent with the recent published report concerning issues with turn signals and lane changes.”

Last fall, Car Insurance Rates launched a new section of the site devoted to car accidents and vehicle-related incidents, aptly titled the “CarInsuranceRates.com Accident and Incident Center.” Visitors are able to browse relevant articles about filing claims related to accidents or traffic incidents, as well as learn about ways to prevent the aforementioned situations. Ackerman suggests this information can help users become more cautious behind the wheel and avoid accidents by implementing defensive driving techniques such as proper signaling.

The site also addresses improper lane changing, including failing to appropriately signal a lane change in the moving violations section of the Accidents and Incidents Center. Visitors to the site are able to access research and information about the various moving violations and the fines associated with each separate infraction. Drivers can also read more about filing accident claims and streamlining the claims process.

“Most of the other car insurance sites are heavy on the sales pitch and very light on the pertinent information,” Ackerman said. “While we certainly strive to be the source for the most competitive vehicle insurance quotes, we also see the need to constantly provide timely, relevant information that helps the consumer choose the appropriate level of protection.”

For more information on vehicle crashes related to turn signal infractions or any other types of incidents, visit the CarInsuranceRates.com Accident and Incident Center. Drivers can use this information when comparing car insurance quotes or shopping for different coverage types. Visitors can connect with Car Insurance Rates through Facebook at
www.facebook.com/carinsurerates or @carinsurancerts on Twitter. The site has been a source for car insurance quotes and related information since 1997.

SOURCE Car Insurance Rates

Copyright (C) 2012 PR Newswire. All rights reserved

Financial Glossary

Words used in this article:

Can you use vehicle credit intended for new auto loans?

The rise in online billingstatementsand other factors might cause consumers to be less vigilant in regularly checking theirmonthlyfinancial documents, such ascredit cardbills and bankstatements, and that can cause major problems, according to a report from theDetroit Free Press. When consumers fail tocheckthese documents, they won’t notice what may be inaccurate charges to or unexpected deductions from their accounts, and these can have major implications.

For example, unauthorized charges or deductions may be a sign ofidentity theft, or simple errors, that can have significant negative impacts on borrowers’ finances, such as higher credit card bills, and if they go unnoticed for an extended period of time, it can be difficult or even impossible to have them stricken from a borrowing or account history.

Often, lenders or banks will allow consumers to dispute charges and account entries within a certain period of time, though it’s typically far longer forcredit cardsthan for bank accounts. Therefore, it is vitally important tocheckallmonthlyaccount information closely for any inaccurate or questionable entries. If they’re not disputed in a timely fashion, consumers are often responsible for them regardless of how they ended up on an account.

The same can also be said for a consumer’s credit report, because these documents often contain information that effects not only immediate finances, but also their ability to borrow. Consumers are allowed to order three free copies of their credit report per year – one from each of the three major credit reporting bureaus – but some states allow for more than that. Ordering this document and looking it over closely can help consumers find any problems that may be having an adverse effect on their credit standing.

In most of these cases, contacting the credit bureau about what may be a questionable entry on their credit report can resolve this problem, though it’s very likely that the consumer will have to provide proof that they’re not responsible for the entry being disputed.

Keeping close tabs on all aspects of their financial standing is vital to consumers’ overall credit health.

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More than 170,000 motorists a year in England and Wales are caught using their phones while driving, and while fines for this offence are the same as those for speeding, drivers are facing much higher car insurance premium rises. 

Car insurance premium hikes of up to 20%

Car insurers dont always providing quotations for motorists with convictions for texting or making mobile phone calls while driving. Companies are turning down drivers if they have a single conviction for using a mobile at the wheel, even though this offence carries a similar punishment to speeding.

The AA investigation found that even if companies will still provide the convicted driver with a quotation, they are hiking car insurance premiums by up to 20%. This compares with a 9.3% increase for a single speeding conviction, which carries the same penalty of a £60 fine and three points on your license.

Car insurers taking offence seriously

AA spokesman Ian Crowder said: Insurers are taking mobile phone offences very seriously. Their opinion is a motorist might break a 30mph speed limit without noticing but no one sends a text message, email or makes a phone call behind the wheel by accident.

It might seem severe but when operating a mobile phone you dont have both hands on the steering wheel, you arent looking fully at the road and can’t change gears safely.

The Association of British Insurers said: One conviction for using a mobile is unlikely to preclude a motorist from getting insurance altogether although inevitably it will cost more.

More on this…

• Car insurance guide – for all you need to know about car insurance
• Which? Recommended Providers – the car insurers that we rate
• Car insurance for younger drivers – tips on getting a decent premium rate

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CHESTER, England, April 24, 2012 /PRNewswire via COMTEX/ –
Selecting a higher voluntary excess on your car insurance may cost motorists more in the long term, warns MoneySupermarket

Motorists opting for a higher voluntary excess level to reduce the overall cost of their car insurance premium, could fork out more in the long run, according to MoneySupermarket.com, and in some cases the impact on premium prices is minimal.

Research from Britain’s number one comparison site analysed the cost of car insurance using a range of voluntary excess levels, from £0 to £500, to evaluate the effect on premium prices.

The research showed a difference of around £190 to the annual cost of a premium when comparing the average cost of a £0 excess (£653 overall premium price) to a £500 excess (£463 premium)[1]. However, opting for a lower cost upfront and setting an excess level of around £500 could be a costly false economy should you need to make a claim. The difference in premiums is only £25 when comparing a £200 excess (£496 total premium cost) to a £400 excess (£472 premium cost).

Peter Harrison, car insurance expert at MoneySupermarket, said: “Motorists looking to cut costs may assume altering the voluntary excess level to a higher amount will result in a lower premium price. But motorists beware: this isn’t always a cost effective option.

“The amount of voluntary excess on a policy is the money you are willing to pay should you need to make a claim, in addition to any compulsory excess the insurer will add – the combined excesses could be several hundred pounds. It’s crucial to set the total excess at a level you can afford to pay, and one which makes making a claim worthwhile. For example, if you had a £100 total excess and claim for £500, you would pay the first £100 and the insurer the remaining £400. With a £500 total excess, you would pay the entire amount, making a claim pointless. It’s quick and easy to check the excess level when researching insurance policies so ensure you’re aware of the total excess level before you purchase.

“Our research also shows that increasing the excess levels on motor insurance, in some cases, can have a minimal impact on prices. For example, the difference between the average car insurance price for a policy with a £200 excess and one with a £400 excess was just £25; so someone looking for car insurance needs to consider whether the short term savings are worth potential higher costs in the future, should you make a claim.”

Notes to editors:

1. Cost of a car insurance premium

Based on a 40 year old male teacher in Manchester (M20) driving a 2009 Ford Focus 1.6L, 10,000 miles a year with 5 years NCD. Car parked on driveway.

Premium Premium Premium Premium Premium Premium Premium
Excess Excess Excess Excess Excess Excess Excess
GBP0 GBP100 GBP200 GBP250 GBP300 GBP400 GBP500
1 GBP512.83 GBP437.47 GBP408.98 GBP391.98 GBP387.91 GBP365.93 GBP348.91
2 GBP534.50 GBP451.92 GBP415.60 GBP413.50 GBP413.03 GBP393.92 GBP376.90
3 GBP581.94 GBP479.91 GBP436.97 GBP419.97 GBP415.90 GBP410.85 GBP408.62
4 GBP589.59 GBP529.93 GBP493.07 GBP482.60 GBP473.46 GBP466.52 GBP460.45
5 GBP604.50 GBP545.11 GBP507.97 GBP497.50 GBP488.36 GBP481.42 GBP475.36
6 GBP632.43 GBP549.20 GBP517.85 GBP515.22 GBP510.49 GBP503.19 GBP496.83
7 GBP642.36 GBP550.14 GBP525.36 GBP519.26 GBP514.77 GBP510.92 GBP497.14
8 GBP648.87 GBP564.10 GBP531.07 GBP520.08 GBP516.22 GBP512.04 GBP509.28
9 GBP805.60 GBP590.02 GBP537.42 GBP530.00 GBP522.58 GBP513.17 GBP510.12
10 GBP976.26 GBP606.32 GBP592.54 GBP584.06 GBP575.58 GBP563.92 GBP548.02
Average GBP652.89 GBP530.41 GBP496.68 GBP487.42 GBP481.83 GBP472.19 GBP463.16

Sourced by moneysupermarket.com 18.04.12

MoneySupermarket.com’s top tips for getting a cheaper car insurance quote:

Fit an alarm: Fit an approved alarm and immobiliser, such as a Thatcham 1 or Thatcham 2. All improvements to security should help to lower your car insurance costs. Some insurers could even insist on sophisticated tracking devices before they will insure expensive cars.

Use a ‘black box’ – many insurers now offer ‘black box’ technology which monitors your driving habits and rewards good drivers through lower premiums.

Change your excess: Changing the excess you are prepared to pay on any claim may reduce the premium. With voluntary excess the more you are willing to cover yourself in the event of an accident the lower your premium. However, this can be a false economy as the cost of making a claim, may be far greater than the difference in premiums.

Check your mileage: Check your mileage to make sure you are not paying extra for miles you are not covering in your car. If, for example, you change jobs and have a shorter commute to work you could be saving money. Try and work out how many miles you will genuinely cover – but don’t get it wrong as inaccuracy could jeopardise your claim.

Minimise your optional extras: Only select to have a courtesy car or legal expenses if you really need them, as they may increase your premium. The less your motor insurance company has to provide in the event of an accident, the lower your costs.

Be careful where you park: Keep your car parked in a locked garage overnight if you can – this can help reduce the premium. More than 50% of vehicle thefts occur during the night so if your car is safely locked away it makes sense that your insurance costs will be reduced as a consequence. If you don’t have access to a garage, then parking on a driveway is generally considered a lower risk than parking on the road. It’s less likely that vandalism, theft or accidental damage will occur when you’re off the highway.

Add a partner or parent to your policy: Adding a partner or a parent to your policy details may reduce the cost of your premiums, a particular benefit to younger drivers. However, don’t add a parent as the main driver if you are the main driver of the car as this will invalidate your insurance.

Opt for smaller engine sized car: Insurers calculate premiums based on a number of factors, but the type of car you drive, and the engine size of the car will impact premium prices. Opting for a smaller car with a small engine will give cheaper premiums.

MoneySupermarket.com’s customer commitment

No other site compares more prices or products

We are independent so only find the best deals for you

The price you see is the price you pay – you don’t need to go direct and you won’t get a better deal doing so

Your details are safe with us and we won’t sell them to anybody

MoneySupermarket.com compares (at 29th March 2012)

98 car insurance providers and 81 home insurance providers

11 broadband providers and 18 energy providers

31 unsecured loan and 5 secured loan providers

62 mortgage lenders and 28 credit card providers

67 savings providers and 37 current account providers.

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We promise to be clear and impartial

All the products in our full search results tables are displayed in a completely unbiased manner.

We don’t add fees or commissions on to the prices we compare.

There may be times when another site compares more companies than us on a particular product, perhaps because of market changes or technical issues. You’ll be able to see this and know we are working hard to fix it.

We promise to be trustworthy

We never use your data to make unwanted sales calls or send you spam.

We never pass your personal information to third parties unless you give us permission to do so.

Even if you choose to receive additional information from us, you can opt out at any time.

We promise to be supportive.

You can use our community forum to get information and help from other customers.

If you need further help or support, you can contact our sales advisors or customer services agents.

For further information, please contact:

Nicki Parry
PR Officer
+44(0)1244 370318
nicki.parry@moneysupermarket.com

SOURCE MoneySupermarket.com

Copyright (C) 2012 PR Newswire. All rights reserved

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Do you really require auto finance with respect to new auto loans?

Jan Schrivers Oldsmobile, for example, was hit by a snow plow in February and he took the car to Nick Orsos in Syracuse for repairs.

The damage added up to nearly as much as the cars worth, so his insurance company scrapped the vehicle. The company was charged more than $1,000 by the body shop and Schriver wants to know why, since the charges cut into the sum he was paid by his insurance company.

According to Mike Orso, the charges can come from a host of services provided to the customer. For example, his company sometimes picks up a car from a tow lot and has to fork over hundreds of dollars in towing charges. There are storage fees for the days when the car is sitting idle, waiting on inspections or decisions from an insurance agency and other times there are labor charges associated with tearing down the vehicle just to get a closer look at the damage.

We take the car apart. At that point in time, sometimes more damage is discovered.further services are needed to correct the damage on the car, at which time we contact the insurance company and bring them back in, Orso said.

In Schrivers case, the bulk of the cost came from work that had been authorized early on, before the insurance agency changed its mind.

If theres something you want to know The Real Deal about, call (315) 446-9900 or email YourStories@9wsyr.com.

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Social media holds many opportunities for dealerships to connect with their current and potential customers, but it also carries some risks if you dont do it properly. In order to help you determine what will work in your dealership and avoid some of the pitfalls that other businesses have encountered, we spoke with Brent Albrecht, marketing director for SOCIALDEALER, Heather MacKinnon, vice president of sales for DealerRater, Michael Sos, product manager, interactive media at Dominion Dealer Solutions, and Nicole Case, who oversees the web, search and social, digital reputation, and mobile products and services at Naked Lime.

These experts are out there with dealerships, on the front lines of social media marketing. Their approaches may be different, but so is every dealership, so weve tried to bring you, our readers, a broad swath of opinions so you can decide for yourselves.

Beyond facebook

Every dealership out there knows that they need to be on facebook, so the first thing we asked our experts was what else dealers should be doing with social media besides facebook. There were three main sites they popped up when we asked this: Google+, Twitter, and YouTube.

Brent Albrecht points out the benefits of YouTube this way, YouTube videos are a great way to bring all the media dimensions to your potential customers and can greatly expand the reach of a dealers TV commercials. YouTube also allows the dealer to showcase their dealership in a different light and highlight what makes them unique. Videos provide more information than photos, when used for walk-arounds and demonstrations. He also add that, Twitter is a powerful tool for promoting live events and activities as they happen, as well as a great prospecting and conversation tool.

Nicole Case agrees that YouTube is an important for dealerships, because in addition to the SEO value video can bring, YouTube has a viewer engagement level thats hard to match. Out of all the content created by social marketers and posted online, videos are shared the most. Nicole, however, also emphasizes the importance of Google+. While Google+ is still a relatively new player, Googles introduction of lsquo;Search Plus Your World has made it imperative for dealers to have a Google+ presence to help them stay top in search results and top of mind with consumers, she explains.

Michael Sos also emphasizes that dealers should be involved with Google+, because as he tells us, Soon we will see even a tighter [search] integration and I believe it will benefit dealerships to recognize that Google owns the eyeballs of most car buyers and for this we all need to embrace Google+ for the future search benefit.

Before you start to expand your social media efforts beyond facebook, however, Heather MacKinnon cautions, dealers have to pay attention to social media, but they also need to really question how effectively is this [social media channel] really selling more cars for them. And how much effort do they have to put in there?

Posting Content to Social Media

Once youve decided which social media platforms you are going to use, the next question is: What content should you be posting and how much of it? This is not an easy question, because as a dealer you want encourage your social media followers to buy a vehicle from you, but too much will make them un-follow you and then youve lost them entirely.

Nicole Case believes that, for the best competitive advantage, dealers need to find an area where they can stand out and demonstrate their expertise online. For example, a Toyota dealer, whose vehicle fleet is the most fuel-efficient in the industry, may become the source of best gas prices in the area. Another dealer may find a niche in regularly featuring tips or features out of the owners manuals of vehicles they sell and servicehellip;Its also important to remember that topical content comes in more forms than just the text in posts, tweets, and articlesits images, video, and pod-casts, too.

It is without a doubt essential to social media marketing that dealers post information that their followers want. Michael Sos, however, reminds dealers that they must be aware of the kind of customer that is most likely to follow them. Dealers need to recognize that the majority of folks that will receive their posts in news feeds are probably already customers. This is important, because this isnt like direct mail where we send out a marketing message and look to get a one percent return and burn the rest of the list to the ground. We need to be loyalty minded. Considering that most dealers are new to posting on social sites like facebook, followers will mostly be new buyers. New customers are enthusiastic and quick to reach out and become a fan but are unlikely to be in market to purchase another car immediately. So dont make your social posts all about the inventory you need to move, focus on parts, service specials and growing your brand. Customers want to see a small business that is connected to the community and cares about the things they care about.

Heather MacKinnon also stresses the importance of recognizing that most of your social media followers will be your customers. When youve got a facebook page, its obviously a lot of customers on that page whove done business with you before. And ideally you want to put up your promotions, I think that third-party content that you want to display on a facebook page should really be a basic testimonial feedhellip;The idea behind that is that with third-party content, I think its very important for it to be timely, especially with automotive. Dealers that post a review every six months are kind of missing the boat, because consumers, when they read third-party [review] content, theyre concerned with mostly positive, but also they want to see timely content. Consumers are aware that [in six months] a lot of things can change in the dealership and in the culture of the dealership.

Brent Albrecht reminds us that social media analytics has been evolving along with the rest of the social media landscape. The ideas of what to post, when to post and where to post can be seen through more advanced analytics that become available, and well begin to see what is valuable to consumers. A good plan is to keep your sites fun and engaging, but the days of video games and posting photos of polar bears will begin to go away as we see a breakthrough of people really posting valuable automotive content. Dealers should turn their social media sites into a live stream of content that is relevant to their dealership and the brands they sell, such as: sales and service promotions, Famp;I, body shop, and accessory sales.

Mistakes

We all make mistakes and dealers are no exception, especially when it comes to social media. When we asked Heather MacKinnon what she thought the biggest mistakes were, she reminds us that with social media, as with anything in business, its important not to cut corners. The biggest mistake, Ive seen, is dealers trying to cut corners. You need the whole process and I think part of the problem is that dealers have become really overwhelmed by this whole process. Dealers have become scared, because theres been a lot of companies and vendors popping up over the last year, year and a half and their purpose is really to scare the dealership into thinking that theyre under attack online and they need to hire this service or that service to help you manage your reputation or build your reputation. So I think unfortunately, the biggest mistake weve seen, is dealers will hand over the controls to third party marketing companies and allow third party marketing companies to build the reviews, even fraudulent reviews, on behalf of the dealership or letting third party marketing companies respond publicly to either positive or negative reviews. They lose face, these are the dealerships customers…theres no better person to be responding to reviews than upper management and it should be authentic employees, that are requesting the reviews from happy customers, not third parties. Thats really the biggest mistake were seeing,

Michael Sos also believes that dealers need to focus more attention on their social media. One of the biggest mistakes dealers make is starting to use social media without a clear time or investment strategy. The absolute first priority needs to be content that is influencing customers to buy tomorrow. I always suggest car dealerships focus on a strong reputation strategy first as a review published today will impact a potential buyer tomorrow. Often times, dealers are being led in the wrong direction by SEO companies that look at everything through the spectrum of content and linking. While these strategies have value, they disregard the foundation of social networking as inherently loyalty focused function, he explains.

Focusing on quantity instead of quality is also something that dealers must avoid. One of the biggest mistakes is a misunderstanding of how to build an audience and how to interact with these people, explains Albrecht. A good example is the overused iPad promotion to build Likes on facebook. These contests and games add fans, most of who have no interest in ever doing business with a dealer, or evenlive within their market, they just want to win a prize. Dealers need to understand that 100 local fans interested in their dealership is worth more than 10,000 worldwide fans that will never buy from them. This also happens because of a misunderstanding of the viral potential of social media. The goal is to build enthusiastic fans who share your content. 1,000 fans can reach over 15 million people through friends of fansif content gets shared. So the way to maximize a dealers exposure is not maximizing their fans or likes, but to maximize sharing,

Nicole Case brings it back to the basics, The biggest mistake that we see dealers making with social media is that it is not in concert with all aspects of their marketing, traditional and digital. Yes, there now are many, many more channels in which you can reach customers, but to be effective, you still need to be reaching customers with the right message at the right time. Marketing advice that never gets old.

If you want to read more about social media or add your comments, visit www.DealerMarketing.com or check is out on Twitter, @DealerMarketing.

Purchase a timely, easy bad credit auto loan countrywide.