Rebny financial statement. Download a fillable REBNY Financial Declare Templates in Excel or PDF. Rebny financial statement

 
Download a fillable REBNY Financial Declare Templates in Excel or PDFRebny financial statement  Purchase Menu Toggle

Key findings from REBNY’s analysis of Placer. This Statement is a high-level summary of your assets, liabilities, income, and projected expenses. REBNY Members-only Access . This provides a quick snapshot of your financials. It is simply to give the seller and listing agent a ballpark sense of your finances. Buyer rebates in NYC save homebuyers money. Co-op buyer closing costs are between 1% to 2%, which are much lower than the typical ~4% for condo apartments. Complete the financial form with ease. Get the Rebny financial statement accomplished. e. Skip to content. The statement covers a buyer’s assets, liabilities, monthly income, and. Have you been asked by to real legacy estate till submit a REBNY financial form with your offer to buy an rental in NYC? We are not surprised. When you become a member of REBNY, you have exclusive access to everything this influential organization has to offer, including broker exclusives, informative resources, real estate research and legal help, educational discounts, networking opportunities with the industry’s elite, specialized certifications and. Fill out REBNY Financial Statement in just several minutes following the guidelines below: Find the document template you want from the collection of legal form samples. Buyer Closing Credit;Download a fillable REBNY Monetary Order Template within Excel or PDF. ”. Sellers and listing agents use the REBNY financial statement to assess the financial status of. ) Trend percent is computed by taking the (analysis period amount ________) x 100. Download a fillable REBNY Financial Statement Template in Excel or PDF. Sellers and real estate agents use this form to confirm your financial capacity to make the offer, pass the board, and complete the deal for a Condo or Co-op resale. We’ve attached a REBNY Financial. View in Google Docs. To help him get started, Prevu features created a fillable original the allows you to simple complete and save your REBNY Financial Statement - 2023 version available for Google Docs or Surpass. The top half of the REBNY financial statement is a balance sheet. You can erase, text, sign or highlight as what you want. Skip to content Save 6% if you sell or get a 2% commission retail when yours buy in NY & FL with HauseitBut the process is far from over. HVAC Maintenance: $1,000. Decide on what kind of signature to create. Located close to the Delaware River and now famous civic sites, such as Independence Hall, Society Hill was one of the. Buy Menu Toggle. Download for Excel . Applicant may also include: bank statements, existing assets (such as real property or ownership interests), current lease, utility and/or medical bills, etc. October 28, 2023. Read our comprehensive guide go completing one REBNY Financial Statement. Business . The REBNY Financial Statement is required when submitting an bid on a co-op (coop) in GOTHAM. The post-closing financial statement is your pre-closing financial statement includes three changes: add their purchase price to real estate see resources, eliminate the contract deposit from assets, with 1 Quarterly New Building Construction Pipeline Reports, Foundation Permit Report. Save 6% when you sell or received a 2% commission rebate when you buy in Y & AUS with Hauseit. The REBNY Financial Statement is required when accepting an offer on a co-op (coop) includes NYC. Possess you been asked by your real estate broker to submitted an REBNY financial form are own offer to buy an apartment in NYC? Are are none dumbfounded. Information about the applicant’s assets (cash in banks, money market funds, contract deposit, bonds and stocks, accounts and notes, real estate, automobiles, personal property and furniture, life insurance, retirement funds. Submitting a REBNY Financial Statement. Main Menu. Main Menu. Download the latest REBNY Financial Statement template. Fill out a REBNY financial statement, as this is a common requirement when making an offer in NYC. Thank you!Download a fillable REBNY Financial Statement Template in Excel or PDF. April 13, 2018. View in Google Docs. Most buyers know i need a pre-approval but aforementioned REBNY financial statement is often unexpected. Buyer rebates in NYC save homebuyers money. This statement is very similar to the REBNY Financial Statement which you may have prepared in order to submit an offer on a coop in NYC. Share your form with others. Prevu is a licensed real estate brokerage in New York and Connecticut and a member of the Real Estate Board of New York ( REBNY ). REBNY Members-only Access . A personal financial statement will typically include general information about the individual, such as name and address, along with a breakdown of total assets and liabilities. This is because the listing agent will want to pre-qualify that you will be approved by the board. REBNY Members-only Access . Alarm: $450. Use this free, interactive template to easily complete and save you REBNY Financial Statement in 2023. Please find attached our buyers’ pre-approval letter, REBNY financial statement and purchaser bio (below) for your review. Read the comprehensive conduct to completing the REBNY Treasury Command. Smart Buyer Rebate $27,082. For Sale - See 75 photos - 5004 Willow Wood Road, Rolling Hills Estates, CA 90274 • 3 bed • 2 bath • 1,637 sqft single family house $1,825,000 • MLS# SB23195172. Sprinkler Maintenance: $400. Skip to table. The REBNY Financial Announcement is a high-level summary of your assets, liabilities, income and projected expenses. Buyer. How Menu Toggle. This framework can help ensure you consistently save a substantial portion of your income without completely sacrificing your current lifestyle. The information is submitted as being a true and accurate statement of the financial condition of the. Sprinkler Maintenance: $400. On how you get startup, Prevu has developed an fillable master that allows you to easily complete and save your REBNY Financial Statement - 2023 model available for Google Docs button Excel. “We won't have much post-closing liquidity, so submitting REBNY to a condo gives them grounds for denial. . REBNY Financial Statement (Excel) One Time Showing Agreement Seller Commission Invoice Waiver. Given the strict financial requirements imposed by NYC co-ops during the board application process, REBNY financial statements are most often used when dealing with the purchase and sale of co-op apartments. Hauptfluss Menu. These statements normally require an annual audit by independent auditors and. Click on the Get form button to open it and start editing. Now in its 128th year, the REBNY Annual once again welcomes the biggest names in real estate – as well as elected officials, labor leaders,. Skip to content Save 6% when you sell or get a 2% order rebate when it buy in NY & FL with HauseitDownload the latest REBNY Financial Statement template. Sort By:. That’s because NYC coops have their own coop financial requirements that are sometimes stricter than those of banks! Coops will want to see that you have enough liquid assets post-closing, with some. Complete a REBNY financial statement to understand your financial picture clearly. I plan on putting $250,000 down and financing the remaining $399,000. Be a part of the biggest night in NYC real estate! Join us on Thursday, January 18th in honoring NYC civic leaders! Typically, a REBNY financial statement is required to achieve this, which needs to be submitted with your offer or board package. REBNY Financial Statement Template - Downloadable 2023. Download the latest REBNY Corporate Command template. Smart Buyer Rebate $7,500. Click the latest REBNY Financial Order style. They should also be prepared to submit a copy of this form when. The REBNY Financial Statement in 2021, Explained. Get magnitude comprehensive guide to completing the REBNY Financial Statement. Overview: Financial statements are reports or statements that provide the detail of the entity’s financial information, including assets, liabilities, equities, incomes and expenses, shareholders’ contributions, cash flow, and other related information during the period of time. The REBNY Financial Statement is almost always required. We have an attorney on standby ready to review a contract ASAP, and we’ve also included a REBNY Financial Statement and a short biography for your review. It’s what starts the negotiation process for the purchase, by allowing the seller’s agent to see whether the buyer has the right balance of income and debt to be presented to a co-op board. A post-closing REBNY coop financial statement is a common requirement for co-op board applications in NYC. Financial. Get our comprehensive guides to completing an REBNY Financial Statement. However, this is not advised for sellers as the last thing you want is to waste time dealing with an unqualified buyer or someone who is outright lying about their financial resources. Get the Rebny financial statement accomplished. Member since: Sep 2009. Download an latest REBNY Financial Statement template. Save 6% when you sell or get a 2% commission rabbet when you buy in NY & FL with Hauseit. Draw your signature, type it, upload its image, or use your mobile device as a. REBNY Financial Statement. The information is submitted as being a true and accurate statement of the financial condition of the. Click on. Our client intends on putting down 25% as a down payment, and this offer is contingent on financing. The moment has arrived and you’ve decided to put your days of renting in the past! No more cancelled rent checks, no more lectures. The REBNY Annual brings together top developers, owners, brokers, and major public officials to connect, exchange insights, and celebrate the invaluable contributions we collectively make to NYC. Gather all necessary financial documents, including income statements, balance sheets, and tax returns. On financials, the board will need to see a copy of the loan commitment letter if financing. If your background is in finance or accounting, you’ll easily recognize it as a balance sheet, income statement, coupled with a few supplementary queries. REBNY. This two-page document details the buyer’s assets, income, reserves, and any financial debts and liabilities. The following is submitted as being a true and accurate statement of the financial condition of the undersigned on the _____day of _____ 19_____. Here you'll list everything you own and everything you indebted. How to Prepare the REBNY Submit Offer Form. Total: $23,175. Mortgage Pre-Approval LetterThe purpose of the REBNY financial form is protection. Sep 24, 2018 - You can attend an open house without an agent in NYC. 3. Prevu on Facebook. Shopping Closing Credit;Sellers ask their brokers to perform financial vetting of buyers before showing the apartment. rebny financial statement input and many diverse PDF contact free using FormsPal. Prevu on Facebook. This form lives, the core, adenine personal remainder sheet that bequeath illustrate yoHow to Prepare a REBNY Financial Statement Getting through a co-op board interview can be a rigorous and stressful experience with success far from. Effortlessly add and underline text, insert pictures, checkmarks, and icons, drop new fillable fields, and rearrange or remove pages from your document. This form provides a snapshot and summary of the buyer’s finances, and details the buyer’s income, assets and liabilities. Get our comprehensive guide until completing the REBNY Financial Declaration. What does this REBNY Financial Statement include in NYC? The balance sheet asks you to list all assets (cash, stocks, bonds, properties, etc. The REBNY Financial Statement is requirement when submitter in offer on a co-op (coop) in BEANTOWN. Study our comprehensive guide to completing who REBNY Financial Assertion. Download the latest REBNY Treasury Statement template. The post-closing financial statement is your pre-closing financial statement includes three changes: add their purchase price to real estate see resources, eliminate the contract deposit from assets, with1 Quarterly New Building Construction Pipeline Reports, Foundation Permit Report. Columbia City homes for sale. The REBNY financial statement is a. The post-closing financial statement is your pre-closing financial statement with three. Save 6% when i sell or get a 2% commission rebate when you get in NY & FLFL with Hauseit. REBNY Financial Statement Template - Downloadable 2023 | Prevu | Rebny Financial Statement - Fill Online, Printable, Fillable, Blank | pdfFiller A post-closing REBNY coop financial statement is a common requirement for co-op board applications in NYC. Applicant. General Maintenance: $4,000. Water Source: Private Well. The most conservative co-ops require between 20% to 50% down, a debt-to-income ratio of 25% to 30% and two or more years of post-closing. For Sale - See 18 photos - 766 Harrison Street 708, San Francisco, CA 94107 • 1 bath • 229 sqft condo $213,003 • MLS# 423921252. Pro Tip: Inexperienced sellers may naively agree to move forward with an accepted offer without seeing proof of funds or a REBNY Financial Statement. Scope. If your background is in finance or accounting, you’ll easily. We have an attorney on standby ready to review a contract ASAP, and we’ve also included a REBNY Financial Statement (attached), a loan pre-approval letter from Bank of New York (attached) and a short biography for your review. Until help you receiving started, Prevu has created a fillable template that allows you to easily complete and backup your REBNY Financial Statement - 2023 released available for Google Docs or Beat. Read our comprehensive guide at completing who REBNY Financial Statement. Edit your rebny financial statement online. Read our comprehensive guide to completing the REBNY Financial Statement. A typical NYC co op purchase application will require applicants to submit a thorough and updated personal financial statement to make sure you pass the co-op’s financial requirements. Hear Prevu's mission in a recent discussion on the Real Estate Is Your Business. Prevu is a licensed real estate brokerage in New York and Connecticut and a member of the Real Estate Board of New York ( REBNY ). Sellers and listing agents use the REBNY financial statement to assess the financial status of prospective buyers. The REBNY financial statement is a standard form that shows a snapshot of your. The consideration will be in the form of $187,500 cash (25% down) and a mortgage of $562,500 (pre-approved). View includes Google Docs. Hauseit Group LLC co-brokes all listings in the Southeast Florida MLS. Discreet buyer closing credit check given at close. In order to safely minimize the number of visitors to a property in the current health climate, many owners. Read magnitude comprehensive guide to completing of REBNY Financial Statement. The purpose of the REBNY Financial Statement is to allow a listing agent and a seller to determine whether you meet the co-op board’s financial requirements for applicants. Your income includes your salary and bonus, annual. 01. We would like to show you a description here but the site won’t allow us. Download the latest REBNY Pecuniary Statement template. The moment has arrived and you’ve decided to put your days of renting in the past! No more cancelled rent checks, no more lectures. Financial Statement 2. Prime General. Try Now!Click the latest REBNY Financial Opinion template. The following is submitted as being a true and accurate statement of the financial condition of the undersigned on the: day of ASSETS LIABILITIES Applicant Co-Applicant Cash in banks (Schedule A) Notes Payable. This Annual Report on Form 10-K contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Trash Collection: $600. There. com or by phone 212-616-5249. Statement of net worth or a completed REBNY Financial Statement; Copy of the mortgage application; Copy of the applicant(s)’s two previous years tax returns; Copies of bank statements – at least 2 consecutive months; Copies of pay stubs for at least two consecutive pay periods; Copy of any brokerage or 401k statementsNEW YORK, NY – The Real Estate Board of New York (REBNY), the city’s leading real estate trade association, today announced it will host the REBNY Annual on Thursday, January 18, 2024. Whether to are bought or selling an your in NYC, it’s importantly you know what a REBNY financial statement is and how to select fill single out (if you are buying) or review one (if you are selling). ). We have released a calculator that helps automate the calculations and populate the PDF quickly and easily. Submit Offer Form – NYC’s 1stFiller in rebny financial statement form within minutes using our advanced PDF tool. Download your adjusted document, export it to the cloud, print it from the editor, or share it with others via a. Use our Submit Offer Form calculator below to enter your offer terms, including purchase price, percentage down, and any contingencies. The REBNY Financial Statement can be broken down into two parts, the balance sheet and the income statement. 339. REBNY. If necessary, we can provide proof of funds in the form of brokerage and bank statements. April 13, 2018. Download an latest REBNY Financial Instruction template. 3 bd | 4 ba | 2597 sqft. The statement covers a buyer’s assets, liabilities, monthly income, and projected monthly spend. By Prevu Team on April 25, 2023. Save 6% although you sell or get adenine 2% commission rebate when you buy in NY & FL equal Hauseit. Potential investors or lenders may require a sample REBNY financial statement to assess the financial health and stability of a real estate company. ) and liabilities (loans, mortgages,. The REBNY Financial Statement is a form that shows a buyer’s finances to the seller’s listing agent. Save 6% when you sell or acquire a 2% commission rebate when you buy with NYS & FL with Hauseit. Customer Closing Credit;Download a fillable REBNY Financial Statement Style in Excel or PDF. Read our comprehensive guide to completing one REBNY Financial Declare. Buy Menu Toggle. Prevu on Facebook. Buyer Closing Credit;The REBNY Financial Statement in 2021, Explained. If you take an interest in Customize and create a Rebny Financial Statement, here are the simple steps you need to follow: Hit the "Get Form" Button on this page. The following is submitted as being a true and accurate statement of the financial condition of the undersigned on the _____day of _____ 19_____. For Sale - See 31 photos - 190 Wiebe Avenue, Stratford, CT 06614 • 3 bed • 2 bath • 1,140 sqft single family house $389,900 • MLS# 170608974. Read ours broad how to completing the REBNY Financial Statements. Working out the financial requirements for buying a co-op can often be tricky. Streamline your real estate transactions in NYC with this user-friendly tool. Download one fillable REBNY Financial Statement Template by Excel or PDF. Listed by Compass2023 Code of Ethics Effective January 1, 2023. The post-closing financial statement is your pre-closing financial statement with three changes: add your purchase price to real estate under assets, remove the contract deposit from assets, and add your loan balance to liabilities. If Yes, attach a copy of the applicable transfer document (i. Read our comprehensive guide to completing the REBNY Corporate Statement. For example – relocation, divorce, financial troubles, etc. Download that latest REBNY Financial Statement template. Int general, once an store (or an agents of the owner) submits audited. 3 min read. . Sign it in a few clicks. Get the Rebny financial statement accomplished. Dividend or partnership income (second prior year) The foregoing application has been carefully prepared, and the undersigned hereby solemnly declare (s) and certify (s) that all information contained herein is complete, true, and. Read and comprehensive instruction to completing the REBNY Financial Statement. It protects the buyer from going into default/foreclosure and it protects the building from making sure their common charges are paid on time. Prevu on Twitter. Streamline your real estate transactions in NYC with this user-friendly tool. Purchaser Bio: My name is Sara Gao. Financial Statement'!Print_Area '2. Download >> Download B-17 manuals Watch Read Online >> Read Online B-17 manuals Watch If your watch is powered by a manual-winding movement, then it is solely powered by winding B. The spreadsheet is fairly straightforward but. For example, say the board requires a debt to income. The form is used by sellers and listing agents to. Perceive free to copy it and play around with is. The form is used to evaluate real estate buyers’ financials in NYC. Download an latest REBNY Economic Statement template. The REBNY Financial Statement is required when submitting an offer for a co-op (coop) include NYC. Itemized Schedules '1. Financial Statement 2. Download an fillable REBNY Financial Statement Template inches Excel or PDF. October 28, 2023. . Main Menu. 03 Individuals or businesses involved in real estate transactions, such as property buyers or sellers, may request a sample REBNY financial statement for due diligence purposes. Main Menu. Study are comprehensive guide to completing the REBNY Treasury Statement. Despite its rather official-sounding name, a REBNY financial statement is quite straightforward. Skip to web. Last modified by: Georges Benoliel Created Date: 8/11/2011 2:51:54 PM Other titles: 1. Get Is A REBNY Financial Statement? Despite its very official sonic name, a REBNY financial statement a lovely frank. Choose a sample of financial reports, other than those which are. Proof of funds is usually in the form of a bank statement showing cash deposits in excess of the purchase price. correct. The REBNY Financial Statement is required whenever submitting certain offer on one co-op (coop) in GOTHAM. 8) Don’t begin negotiations without a satisfactory REBNY Financial Statement, Pre Approval letter and credit report. Download a fillable REBNY Fiscal Statement Template in Excel or PDF. October 28, 2023. This lets the listing agent and seller ascertain whether you meet the co-op’s financial requirements. Software for Excel . The REBNY Listing Service Universal Co-brokerage Agreement Rules and Regulations state the rules for co-broking in New York City. Itemized Schedules '1. The next step is to hire a remediation company to remove the mold. Create a line item, under current or short-term assets, for the certificates of deposit. To. Prev on Facebook. Virtually all professional co-op NYC listing agents will ask buyers to submit a completed REBNY financial statement as part of the offer. REBNY Financial Statement Template - Downloadable 2023. Organize the documents in a clear and concise manner, making sure all relevant information is included. Read our comprehensive guide to completing the REBNY Financial Statement. REBNY Financial Statement Template - Downloadable 2023. sales agreement, closing statement, HUD-1 statement, etc. Read our comprehensive guide on ending which REBNY Financial Command. The form is filled out by a real estate professional and includes information about the property, such as square footage, number of bedrooms and bathrooms, and recent sales prices in the area. Buy Menu Toggle. LLC Operative Accord . No paper. Saving New Yorkers Money - Buyer Rebate NYC. A REBNY Financial Statement will be especially important when submitting an offer on a co-op in NYC. The consideration will be in the form of $187,500 cash (25% down) and a mortgage of $562,500 (pre-approved). What Is A REBNY Financial Statement? Despite its very official sounding name, a REBNY Financial Statement is pretty straightforward. The REBNY financial statement is a crucial component. Read our all-inclusive guide to completing the REBNY Financial Statement. The statement covers a buyer’s assets, liabilities, monthly income, and projected monthly expenses. REBNY Financial Statement Submission - Downloadable 2023. Why are agents asking for my REBNY Financial Statement and mortgage pre-approval already? The request of forms related to COVID is not the only sign of the increased vetting of buyers before visiting NYC apartment listings. (Check all that apply. To help you get beginning, Prevu holds created a fillable template that allows you to lighter complete and save your REBNY Financial Statement - 2023 version available for Google Docs or Excel. Co-Applicant. Download a fillable REBNY Financial Statement Template in Excel or PDF. Download one latest REBNY Financial Statement template. REBNY Financial Statement Example Fillable PDF Template & Instructions Submitting an Offer? Save up to 2% When Buying in NYC Save money without disrupting your deal by working with one of our traditional, experienced partner buyer's brokers who never openly discount. Previews on Twitter. Itemized Schedules '1. Dating back to the 18th century, the area derives its recognizable name from the Free Society of Traders (originally located on Front Street). When you complete a REBNY financial statement, you will show your assets, income, liabilities and expenses. Itemized. Download the latest REBNY Corporate Statement template. Type of account . Download one fillable. The form is used to evaluate real estate buyers’ financials in NYC. In this blog post, ourselves explain everything you need to know about a REBNY finance statement. This is an obvious red flag, as it means that the listing. Hints Receivable Other Real Estate Owned - see schedule Year Other Accounts Payable Make Mortgages Payable on Real Automobiles: Estate - see schedule Personal Property & Furniture Unpaid Real. Readers our comprehensive guide to completing to REBNY Treasury Statement. Sign it in a few clicks. 9) Don’t accept an offer until you’re comfortable with the price and you’re certain the buyer is able to complete the transaction. Therefore, some brokers even ask for a REBNY Financial Statement , mortgage pre-approval letter, and proof of funds. 7 Expert Tips for a First-Time Buyer in NYC. Completing and analyzing it accurately can increase your chances of board approval and a successful sale. A post-closing REBNY coop financial statement is a gemeinschaft requirement for co-op board applications in NY. May 19, 2022. Example of REBNY Financial Opinion Template. Starting . Have thee has asking by your real estate broker to submit an REBNY financial form with your offer into procure an apartment in NEAR? We are not surprised. Another major drawback of buying a home for cash is that it’s illiquid. I plan on putting $250,000 down and financing the remaining $399,000. Our client intends on putting down 25% as a down payment, and this offer is contingent on financing. nyc What does this REBNY financial form include? The balance sheet portion asks you to list all assets (cash, stocks, bonds, and properties, etc. correct. Buyer Closing Credit; Searching for Listings;Pdf the current REBNY Financial Statement template. Read our comprehensive guide to completing the REBNY Financial Statement. Download the recent REBNY Treasury Statement template. More than 15,000 NYC real estate professionals use the power of REBNY. Dear Loretta Daniels, We’re pleased to submit the following offer of $10,000,000 for your listing at 111 Fifth Avenue, Penthouse A, New York, NY 10024 on behalf of our client James Rogers. An offer for an apartment for $1 million with 10% down is not the same as an offer an apartment for $1 million with 20% down. While co-op listing agents may request a REBNY Financial Statement in addition to (or in lieu of) a Submit Offer Form, most condo and townhouse listing agents will simply request a completed Submit Offer Form along with your Pre-Approval Letter (if financing). Read our comprehensive guide to completing the REBNY Monetary Statement. For press inquires reach out to Chris Santarelli by email at press@rebny. The REBNY Financial Statement in 2021, Explained. When making an. Check our comprehensive guide to completing the REBNY Financial Statement. A Submit Offer Form is a common requirement when submitting an offer on a condo, co-op or townhouse in NYC. The purpose of the REBNY Financial Statement is to allow a listing agent and a seller to determine whether you meet the co-op board’s financial requirements for applicants. Member since: Sep 2009. The board can use this information to determine a buyer’s debt to income ratio. Download an fillable REBNY Fiscal Statement Template in Excel alternatively PDF. This is a letter from a certified public accountant, or a CPA, to a prospective lender that vets a borrower’s financial health at the time they apply for a home loan . correct. Established in the 1700s, New Canaan has a stark colonial heritage providing an excellent counterpoint for folks who commute to NYC or New Haven. ). Buyer. REBNY Financial Statement Template - Downloadable 2023. Download the latest REBNY Financial Testify presentation. Draw your signature, type it, upload its image, or use your mobile device as a signature pad. Renew your membership for 2024 and stay in the city’s strongest real estate network. Prevu on On. Download your adjusted document, export it to the cloud, print it from the editor, or share it with others via a. Morgan's REBNY Financial Statement Template - Downloadable 2023 Cash, investment, truly demesne and financial savings were the most commonly listed assets. Non-marketable value REBNY forms cover various aspects of real estate transactions, such as purchase agreements, lease agreements, financial statements, and disclosure forms. The form itself is, in essence, a personal balance. On top of the actual offer and mortgage pre-approval, you'll also have to submit a REBNY financial statement. .