Annie Williams Real Estate Report - Dec 2015Jon Weaver
Housing affordability is one area where California can expect to experience long-term pain. Statewide, the percentage of households that earn enough to purchase a median-priced home rose 34 percent in early 2015 before settling in the low
30s—down from a high of 53 percent in 2011 and 36 percent in 2014. In high-priced coastal cities, percentages have fallen into the teens and lower.
Annie Williams Real Estate Report - Dec 2015Jon Weaver
Housing affordability is one area where California can expect to experience long-term pain. Statewide, the percentage of households that earn enough to purchase a median-priced home rose 34 percent in early 2015 before settling in the low
30s—down from a high of 53 percent in 2011 and 36 percent in 2014. In high-priced coastal cities, percentages have fallen into the teens and lower.
John Helfrich Real Estate Newsletter January February 2012John Helfrich
East End Toronto Homes Newsletter for January and February 2012 - by Toronto Real Estate Agent John Helfrich. Topics:Toronto Real Estate Market activity. Property Tax Assessments - Is your assessment fair - and what to do if it's not. Toronto condo Market, RRSP, TFSA or mortgage?
Residential Real Estate market update covering the Macro Economy and its influence on local real estate markets. Designed to assist investors to make informed decision, and move forward with confidence.
Please also find attached our Real Estate Supplement. In it you will read about how issuance of bonds backed by commercial properties is on track to beat last year's supply and yield premiums for bonds backed by commercial property loans have narrowed. Also, Jefferies CMBS veteran Lisa Pendergast says she expects CMBS spreads to narrow by year end, while Fannie Mae economists Douglas Duncan and Patrick Simmons argue that a slowdown in the growth of the labor force suggests more modest prospects for the demand for new housing and construction. Emile J. Brinkmann, the chief economist of the Mortgage Bankers Association of America, probes how state regulations will affect the pace of foreclosures and delinquencies. Nicolas Retsinas of Harvard’s Joint Center for Housing has some advice for lawmakers on GSE reform and Donald Trump offers a characteristically confident view that the recovery in real estate. If you have any comments or feedback for future real estate issues please contact arozens@bloomberg.net.
Thinking about buying a home in San Diego? Here is a great guide to help you. The process of buying a home a home can be overwhelming at times, but you don't need to go through it alone.
A Millennial’s Guide to Homeownership | KM Realty Group Chicago, ILTammy Jackson
This is a content-packed guide that offers powerful marketing materials to share with your clients, while also helping you simply and effectively explain the market’s current homeownership opportunities to a booming demographic that often finds itself stuck in the rental trap.
✔️ We Make Real Estate Buying and Selling Easy.
✔️ https://kmrealtygroup.net/
✔️ Let's connect with a real estate professional to discuss your home buying or selling process. ✔️ https://bit.ly/connect-km-realty
John Helfrich Real Estate Newsletter January February 2012John Helfrich
East End Toronto Homes Newsletter for January and February 2012 - by Toronto Real Estate Agent John Helfrich. Topics:Toronto Real Estate Market activity. Property Tax Assessments - Is your assessment fair - and what to do if it's not. Toronto condo Market, RRSP, TFSA or mortgage?
Residential Real Estate market update covering the Macro Economy and its influence on local real estate markets. Designed to assist investors to make informed decision, and move forward with confidence.
Please also find attached our Real Estate Supplement. In it you will read about how issuance of bonds backed by commercial properties is on track to beat last year's supply and yield premiums for bonds backed by commercial property loans have narrowed. Also, Jefferies CMBS veteran Lisa Pendergast says she expects CMBS spreads to narrow by year end, while Fannie Mae economists Douglas Duncan and Patrick Simmons argue that a slowdown in the growth of the labor force suggests more modest prospects for the demand for new housing and construction. Emile J. Brinkmann, the chief economist of the Mortgage Bankers Association of America, probes how state regulations will affect the pace of foreclosures and delinquencies. Nicolas Retsinas of Harvard’s Joint Center for Housing has some advice for lawmakers on GSE reform and Donald Trump offers a characteristically confident view that the recovery in real estate. If you have any comments or feedback for future real estate issues please contact arozens@bloomberg.net.
Thinking about buying a home in San Diego? Here is a great guide to help you. The process of buying a home a home can be overwhelming at times, but you don't need to go through it alone.
A Millennial’s Guide to Homeownership | KM Realty Group Chicago, ILTammy Jackson
This is a content-packed guide that offers powerful marketing materials to share with your clients, while also helping you simply and effectively explain the market’s current homeownership opportunities to a booming demographic that often finds itself stuck in the rental trap.
✔️ We Make Real Estate Buying and Selling Easy.
✔️ https://kmrealtygroup.net/
✔️ Let's connect with a real estate professional to discuss your home buying or selling process. ✔️ https://bit.ly/connect-km-realty
It’s the question on everyone’s mind… Is Denver in a real estate bubble, and when will it burst? Vivi Gloriod from Team Vivi Real Estate discusses the factors that contribute to housing decisions, variables that cause values to increase, and what the Denver real estate market looks like going forward.
Have you always wondered how the world of executive rentals work? How are some investors able to get $3000, $4000 sometimes upwards of $5000 in rents on their condos? Join us to hear Rick Aubry speak! Rick is the Managing Partner at Premiere Suites and will be teaching us all about the world of executive rentals!
For most unsophisticated consumer-level investors, cashflow negative between $200-$400 is a reality when buying a regular investment condo. As sophisticated investors, this isn't good enough for us. We are supposed to be sophisticated, so let's act like it!! By thinking creatively and strategically, we can potentially offset or circumvent this negative cashflow. Executive rentals may be the solution: it may be the rental strategy that we employ in order to support your acquisition strategy, allowing you to continue to invest.
More importantly, learn how this can potentially creates a new opportunity for making condos work again... opening the door to investing in Toronto with lower amounts of investable capital. While we still believe in triplexes in downtown Toronto, not everyone has $300-750k of capital available to be able to buy/create a luxurious cashflowing triplex. But perhaps you have $150-200k of capital available? Wouldn't it be great to also be able to cashflow positive with lower amounts of capital... WITHOUT having to go outside Toronto to the smaller, more risky towns just because it is "cheaper"? While at the same time, rest assured knowing that your property is being occupied by an corporate executive level individual who treat the property like their own?
-----------------------------
Volition Properties
Volition Properties is an award-winning Toronto boutique real estate investment firm that provides advisory and turnkey real estate investment services. Its mandate is to help real estate investors sustainably invest to build wealth in the Toronto real estate market by investing in low-risk, freehold, cash-flowing income properties over longer-term real estate cycles.
[Volition (vō-ˈli-shən): The power to make your own choices or decisions; free will. Living life by design, not by default.]
LANEWAY SUITES! Learn what it takes to build and invest in laneway homes!
Question: What's our number one job as real estate investors??
Answer: **To put our money to its highest and best use!!**
With rising costs of property in Toronto, however, this is getting more and more difficult to do. Is the answer to look outside of Toronto for cheaper properties? No! As sophisticated investors, we know that along with lower prices comes increased risk. So what's the answer? DENSIFICATION!!
Laneway housing in Toronto has been a LONG TIME COMING for us investors, and will allow us to maximize the returns on our properties. Laneway suites can offer some of the highest ROI in Toronto for existing landlords who already own freehold investment properties with a laneway (i.e. single family, duplex, triplex, fourplex, etc), where a unit which cost $[masked]k to build can be rented out for $2000 a month. That's double the return of a condo.
Eldon Theodore, Partner at planning firm MHBC, will be joining us to discuss the opportunities and challenges around the activation and optimization of laneways through infill housing. We'll discuss the benefits and shortfalls of the recent Laneway Suite Guidelines approved by City Council. We'll run through real-life examples of applications to understand how to navigate this process!
Eldon Theodore is a Partner at MHBC with a dual specialization in planning and urban design where he has been practicing for 16 years. Eldon holds an Honours Bachelor Degree in Urban and Regional Planning from the University of Waterloo and a Masters in Urban Design Studies from the University of Toronto. Eldon is also a LEED Accredited Professional and has been trained under the National Charrette Institute System for conducting community charrettes.
Join us on Thursday, September 20th to learn about TORONTO LANEWAY HOUSING!!
-----------------------------
Aug 16th,[masked]:30pm-10:00pm
RSVP NOW!!!
Schedule:
6:30pm-7:00pm: Arrival, meet and greet and networking
7:00pm-9:00pm: Presentations begin at 7pm SHARP
9:00pm-10:00pm: Networking
-----------------------------
Volition Properties
Volition Properties is an award-winning Toronto boutique real estate investment firm that provides advisory and turnkey real estate investment services. Its mandate is to help real estate investors sustainably invest to build wealth in the Toronto real estate market by investing in low-risk, freehold, cash-flowing income properties over longer-term real estate cycles.
[Volition (vō-ˈli-shən): The power to make your own choices or decisions; free will. Living life by design, not by default.]
Contact us today for any questions about investing in real estate in Toronto! [masked]
Weichert, Princeton January Market Recap & ForecastWeichert Realtors
Want your Phd in Princeton area real estate? Have a look at some of the most detailed data on the Mercer, Middlesex and Somerset County real estate markets. Whether you are buying or selling this will give you insight into both.
The Real Estate Investment News is the newsletter for Mid-America Association of Real Estate Investors. Based in Kansas City and serving Real Estate Investors Nationwide. www.MAREInet.com / MAREI.org 913-815-0111
Each month, This Month in Real Estate provides expert opinion and analysis on real estate trends across the nation. The aim of the consumer-oriented segments is to help agents combat the "doom and gloom" messages of the national print and television media with real information on real estate.
The Real Estate News is the Newsletter for Mid-America Association of Real Estate Investors based in Kansas City and serving Investors Nationwide. MAREInet.com / MAREI.org
Things to Consider When Buying a Home (Summer 2022) - KM Realty Group LLC, Ch...Tammy Jackson
This “Buyer Guide” will give you powerful marketing materials to share with clients, and help you simply and effectively explain the current market opportunities to potential buyers.
Contact the professionals now and schedule a free consultation.
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Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
Enterprise excellence and inclusive excellence are closely linked, and real-world challenges have shown that both are essential to the success of any organization. To achieve enterprise excellence, organizations must focus on improving their operations and processes while creating an inclusive environment that engages everyone. In this interactive session, the facilitator will highlight commonly established business practices and how they limit our ability to engage everyone every day. More importantly, though, participants will likely gain increased awareness of what we can do differently to maximize enterprise excellence through deliberate inclusion.
What is Enterprise Excellence?
Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
Unveiling the Secrets How Does Generative AI Work.pdfSam H
At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
Affordable Stationery Printing Services in Jaipur | Navpack n PrintNavpack & Print
Looking for professional printing services in Jaipur? Navpack n Print offers high-quality and affordable stationery printing for all your business needs. Stand out with custom stationery designs and fast turnaround times. Contact us today for a quote!
VAT Registration Outlined In UAE: Benefits and Requirementsuae taxgpt
Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
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Kseniya Leshchenko: Shared development support service model as the way to ma...Lviv Startup Club
Kseniya Leshchenko: Shared development support service model as the way to make small projects with small budgets profitable for the company (UA)
Kyiv PMDay 2024 Summer
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It is a sample of an interview for a business english class for pre-intermediate and intermediate english students with emphasis on the speking ability.
What is the TDS Return Filing Due Date for FY 2024-25.pdfseoforlegalpillers
It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
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RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...BBPMedia1
Grote partijen zijn al een tijdje onderweg met retail media. Ondertussen worden in dit domein ook de kansen zichtbaar voor andere spelers in de markt. Maar met die kansen ontstaan ook vragen: Zelf retail media worden of erop adverteren? In welke fase van de funnel past het en hoe integreer je het in een mediaplan? Wat is nu precies het verschil met marketplaces en Programmatic ads? In dit half uur beslechten we de dilemma's en krijg je antwoorden op wanneer het voor jou tijd is om de volgende stap te zetten.
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Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
In this deck, you will learn the significance of workplace discipline for organisational success. You’ll also learn
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Putting the SPARK into Virtual Training.pptxCynthia Clay
This 60-minute webinar, sponsored by Adobe, was delivered for the Training Mag Network. It explored the five elements of SPARK: Storytelling, Purpose, Action, Relationships, and Kudos. Knowing how to tell a well-structured story is key to building long-term memory. Stating a clear purpose that doesn't take away from the discovery learning process is critical. Ensuring that people move from theory to practical application is imperative. Creating strong social learning is the key to commitment and engagement. Validating and affirming participants' comments is the way to create a positive learning environment.
Magda Mo's Marketviews Newsletter for Toronto Real Estate: January 2013
1. E
veryone has an opinion about why the GTA real estate market has slowed down.
The mortgage brokers’ organization blames the federal government’s new
mortgage rules introduced last summer, which makes it more difficult to qualify for
an insured mortgage. The Toronto Real Estate Board blames the City of Toronto’s land
transfer tax, which adds thousands of dollars to the cost of buying a house. Others believe
the housing market was overpriced and buyers finally came to their senses.
Whatever the reason, anyone who takes the long view and looks at the history
of housing markets knew that a slowdown would come eventually. Toronto real
estate markets have always been cyclical. If history holds, the market is taking a
breather and we are in for a soft landing before sales once again pick up. Canada
Mortgage and Housing Corporation forecasts “moderate” sales growth in 2013, along
with a 1.5 per cent increase in prices.
Few economists believe there is a housing crash or that the market will
experience a long drought like the one we have seen in the United States. Canadians
have much more equity in their homes than many U.S. homeowners did before their
market collapsed. Risky sub-prime loans account for only about 7 per cent of Canada’s
total mortgage portfolio, while the U.S. had almost 25 per cent. And although everyone is concerned about Canadians’
personal debt levels, recent statistics show that we have been more cautious in recent months.
Toronto’s employment numbers, while not spectacular, are solid enough to support the housing market. Record
immigration is forecast for the GTA throughout 2013. Mortgage rates remain at near 60-year low and are not expected to
rise soon.
So, we believe the sky is not falling. The market is just going through an
unsurprising correction. Remember that buying a house is a long-term
investment, and in the longer term we believe the market is in good shape.
With that in mind, let’s take a look at the numbers. GTA real estate sales
are down 16 per cent compared to this time last year. In the City of Toronto,
the average price for a detached home is about $740,000 and the average
condo price is about $350,000, both down four per cent compared to the same
time last year. In the 905 regions, the average price for a detached home is
about $555,000 and the average condo price is about $279,000, both up three
per cent from a year ago.
The real estate market traditionally slows down over the holiday period,
but we are looking forward to a promising 2013. REU
Your Greater Toronto Real Estate Newsletter
Market takes a breather
2013 looks promising
UPDATE
Jan/Feb 2013
2Condo market
to stabilize
Misconception about
foreign owners
2Waste
reduction tips
“Pre-cycling” plus the
3 Rs
IN THIS
ISSUE
3RRSP, TFSA or
mortgage
Depends on your
situation
estatereal estate
2007 2008 2009 2010 2011 2012
Source: CREA, CMHC Forecast
Quarterly MLS®
Average Prices
Seasonally adjusted
AvgMLS®
SellingPrice(000s)
2013F
$500
$450
$400
$550
$500
$450
$400
$350
$300
Forecast
MAGDA MO
sales representative
Keeping you
informed
Off: 416.483.8000
Dir: 416.526.8732
sales@magdamo.com
www.magdamo.com
SageRealEstateLtd.,Brokerage
1820 Bayview Avenue
Toronto, ON M4G 4G7
2. T
he average North American will throw away 600
times their adult weight during their lifetime,
according to several environmental groups.
Reducing waste will help the environment, save you money
directly and also indirectly through municipal tax savings.
Here are some waste reduction tips:
• Learn to “pre-cycle.” Think about the waste that will
be created before you buy something. Do you really need
the item? If so, buy the item with the least amount of
packaging. Buy the most durable item so you won’t have to
buy another one soon.
• Use reusable bags, coffee mugs, cutlery and
rechargeable batteries. Buy a reusable coffee filter for
home and at the office.
• Toronto and other GTA municipalities are always
increasing the number of items they will accept for
recycling. Old electronic items such as radios, stereos,
VCRs, computers, printers, monitors and fax machines are
now accepted for municipal recycling. Their components
are recovered for reuse.
• Dispose of hazardous items properly. Call your
municipality to find out how to dispose of items such as
batteries, cleaning products, paint, pesticides, waste oil,
pool chemicals, anti-freeze and propane tanks properly.
• You can compost up to half of your household waste,
according to the City of Toronto. “It’s a simple way to
reduce waste and produce a nutrient-rich conditioner for
your lawn, garden and houseplants.” REU
R
esale apartment condominium sales are down by
almost 25 per cent compared to a year ago, but the
market “has seen the worst of it” and will stabilize in
2013, says CMHC senior market analyst Shaun Hildebrand.
A combination of tighter qualification rules for insured
mortgages and a retreat by investors has slowed the condo
market. All the recent bad press probably hasn’t helped.
Hildebrand’s analysis shows condo prices will experience
only a mild correction in the near term and that economic
fundamentals and demographics point to a stable condo
market going forward.
Hildebrand says there is about 4.5 months of supply for
resale condos, creating a buyer’s market. While he does
not expect a strong spring market in 2013, by the second
half of the year Hildebrand believes prices may start
going up. The strongest communities will be Mississauga
and Scarborough, followed by downtown Toronto and
North York. Etobicoke and York markets may be slowest to
rebound.
Hildebrand also says there is a misconception that
foreign investors own many of the region’s condos. In fact,
non-Canadians own just 3.7 per cent of GTA condos, and
recent immigrants own many of those units.
Fifty-one per cent of GTA households have two people or
less and one-person households grew by 15 per cent from
2006 to 2011. These are the people who continue to find
condos an attractive option.
The average condo price in the GTA is about $325,000. REU
and average price
by area
Condo update
Market to stabilize Misconception about foreign owners
Waste reduction tips “Pre-cycling” plus the 3 Rs
Good housekeeping
Monthly sales
November 2012
Central..........1,003 $612,603
East...............1,407 378,502
North ............1,144 547,825
West..............2,239 463,511
October 2012
Central..........1,214 634,288
East...............1,642 385,549
North ............1,362 568,952
West..............2,678 483,189
September 2012
Central..........1,012 658,196
East...............1,453 386,097
North ............1,180 578,792
West..............2,234 470,440
August 2012
Central..........1,005 576,960
East...............1,588 376,764
North ............1,257 566,787
West..............2,568 461,152
July 2012
Central..........1,172 579,837
East...............1,811 378,671
North ............1,527 561,461
West..............3,060 453,529
June 2012
Central..........1,519 682,341
East...............2,165 389,443
North ............2,001 571,565
West..............3,737 473,352
May 2012
Central..........1,863 681,261
East...............2,428 395,183
North ............2,308 577,079
West..............4,251 481,426
April 2012
Central..........1,762 680,087
East...............2,391 393,339
North ............2,229 574,696
West..............3,968 488,394
March 2012
Central..........1,666 665,856
East...............2,214 378,285
North ............2,135 567,940
West..............3,675 469,524
February 2012
Central..........1,277 667,708
East...............1,590 380,790
North ............1,498 561,157
West..............2,667 463,030
January 2012
Central.............770 616,598
East...............1,084 357,623
North ...............893 542,066
West..............1,820 423,326
December 2011
Central.............871 566,589
East...............1,079 355,886
North ...............928 515,168
West..............1,840 421,068
Source: TREB
3. RRSP,TFSA or mortgage? Depends on your situation
On the
internet
Interesting
websites
interiordesignshow.com
This event showcases the
newest trends in design.
Promises to delight with
inspirational exhibits,
speakers, architects and
designers. (Jan 24-27)
greensaver.org
This not-for-profit organization
helps you reduce your energy
and environmental footprint
whilst helping you take
advantage of government
rebates.
moneytools.ca
Financial government agency
working to protect and
educate consumers about
financial products and
services such as, credit cards,
mortgages, loans, investments
etc.
webmd.com
Provides health information,
timely articles and tools for
managing your health.
2012 Rates
Mortgage rates are
negotiable with individ-
ual lenders. Check to be
sure that you are getting
today’s best possible rate.
At December 5, 2012
6-month . . . . . . . .4.00%
1-year . . . . . . . . .3.00%
2-year . . . . . . . . .3.10%
3-year . . . . . . . . . 3.15%
4-year . . . . . . . . .3.15%
5-year . . . . . . . . .2.95%
Prime rate .......3.00%
Financial matters
Mortgages
T
his is the time of year when we look at our finances
and, if we have a little extra cash, decide where
that money will be most beneficial. Most people
think topping up their Registered Retirement Savings Plan
(RRSP), putting money into a Tax Free Savings Account
(TFSA) or paying down their mortgage are the best options.
However, if you have what financial planners call “bad
debt” such as a credit card balance or a high-interest car
loan, you are better off to pay down those
loans first.
Chances are your mortgage interest
rate is fairly low, since rates have been
near historic lows for some time. But if
your mortgage rate is more than the
return on a TSFA or RRSP, concentrate on
paying down the mortgage first.
Another reason to pay off the
mortgage first is if your pension plan
provides good retirement benefits. An
RRSP may not be as important for your
retirement years in that situation.
If you are looking for tax benefits,
RRSP contributions are tax deductible and
there is no tax on the investment growth within the RRSP.
You will have to pay taxes when you withdraw the funds so
you should discuss how to manage this with your financial
planner.
If you put the money in a TFSA, it is not tax deductible
but there is also no tax on the investment growth, and you
don’t pay tax when you withdraw the funds. That makes
TFSAs perfect for use as an emergency fund or for saving
for things like a down payment, a vacation or a vehicle. This
year you can contribute up to $5,500 to your TFSA. The
maximum contribution amount to an RRSP is based on a
percentage of your annual income.
One way to contribute to both your RRSP and your
mortgage is to put extra cash into your RRSP, and then use
your tax refund to help pay down your mortgage.
The decision all comes down to looking carefully at
your current debt load, your tax bracket, your current
workplace benefits and your retirement plans. REU
These sites are believed to be
reliable but their accuracy cannot
be guaranteed.