Cheapest Life Insurance over 51 to 88

Cheapest Life Insurance over 51 to 88

The reason elderly people need to buy insurance policy is so that they can reduce costs. Finding inexpensive items is possible and easy, as long as you are prepared to analyze options and rates. You can find many inexpensive items from many leading insurance policy company, but make sure to buy a good inexpensive item as opposed to a bad inexpensive item.

Cheapest Life Insurance over 51 to 88

Cheapest Life Insurance over 51 to 88
Cheapest Life Insurance over 51 to 88

When you buy a good item, you stand to benefit from the right protection at competitive prices to prevent unpleasant surprises in future. Being in a rush to preserve cash is likely to lead you to spending more.

Cheapest Life Insurance over 51 to 88.

Therefore, it is better to take the time to analyze. The tips for getting a inexpensive way of life insurance policy policy for elderly people include:

Choose between the phrase & entire way of life policy (Cheapest Life Insurance over 51 to 88)

The phrase way of life policy elderly people is often cheaper than the entire way of life plan. The phrase plan seeks to cover the insurance policy holder over a predetermined period, with the option of restoring the plan. Therefore, you have a choice to receive your advantages once the plan ends. Cheapest Life Insurance over 51 to 88.

On the other hand, the entire way of life plan covers the entire lifetime of the insurance policy holder and pays out the advantages to the named recipients when the holder dies. Although the entire way of life plan is more expensive, it features a savings and investment component that grows your contributions.

Research a company

It is better to perform a criminal history check before purchasing insurance policy from a organization. This will help you prevent an unlawful organization, a poorly rated organization or a organization with a poor economical position.

Buying from the wrong organization can cost you a lot because the company may not guarantee praising claims. Many policyholders have forfeit their premiums and advantages when a organization that had a poor economical position went under. Furthermore, some of the holders missing cases because of engaging unlawful companies.

Maintain a proper and balanced life

Living cook, by eating right, exercising and avoiding smoking/drinking alcohol can contribute significantly to reduced seniors’ premium prices. It is often based on the outcomes obtained from a health check that protection plan company determines the risk an applicant presents to the organization.

A good and balanced way of life often generates positive test outcomes, indicating you are less risky. However, if you have a pre-existing healthcare problem, you can still get lower prices if you can provide prove of residing cook and managing your problem under the regular supervision of your doctor. Furthermore, adjusting to cook can enable you to renegotiate the prices of a preexisting protection.

Split Dollar Life Insurance

Split Dollar Life Insurance

Plans with rising or re-appearing rates can often cause people issues, especially when those owners’ economical needs or responsibilities change.

Split Dollar Life Insurance

Split Dollar Life Insurance
Split Dollar Life Insurance

Is it a better financial commitment to keep spending coverage that you have already compensated into in desires of a obtain at growth. Or to recover some of the financial commitment by trading the cover its money give up value?

Corporate customers often face additional problems when dealing with leaving professionals with key-man or split-dollar guidelines. Or insurance policy purchased as part of a buy-sell agreement. Another option is to promote the cover money.

Split dollar life insurance taxation

With a lifestyle agreement, the insurance policy holder understands an amount much greater than the money give up value in return for the possession of the plan. Thus improving immediate revenue for companies holding unprofitable guidelines.

You can also offer term insurance policy guidelines. Life-settlement dealings including key-man or buy-sell guidelines can provide businesses with increased income to fix immediate economical issues. While dealings concerning split-dollar guidelines typically include retirement planning and non-profit giving issues.

Collateral assignment split dollar life insurance

An individual can also offer their cover money. In a latest consultant survey, nearly half of the participants had customers who had gave up a insurance policy coverage coverage. Many of whom might have qualified for a life-settlement deal and following lump-sum money payment.

A primary reason why a cpa should be well-versed in the life-settlements field. It is the importance of their fiduciary liability to customers. When providing economical advice and ideal information. Being able to identify a way to eliminate an resource that problems the client with needless expenses can be very helpful. Offering more options satisfies more customers.

The life-settlement process takes about a month, is private, and the continues can be used for anything.

A latest agreement example is a 66-year-old male with a $2 million worldwide lifestyle plan with $4,200 of money give up value. The owner, who could no longer afford the improving rates, was compensated $194,992 for the plan.

Private split dollar life insurance

If one still needs insurance policy coverage, but does not want to keep the current plan. The swapout should be compared to the life-settlement offer for the best results. That involves the return of insurance policy, reduction of taxed “paper” obtain, or credit score against a new plan of basis in an old one.

The alternatives to the above are keeping unwanted insurance policy, eliminating and spending taxation, or eliminating insurance policy and losing credit score for the taxed loss.

Affordable Burial Insurance For Parents

Affordable Burial Insurance For Parents

Considering that life is unpredictable, insurance plan can matter by making it possible for close relatives members to keep their home economically stable, sending the kids to college and having enough money to cater for regular bills, in the event of the untimely death of the breadwinner.

Affordable Burial Insurance For Parents

Affordable Burial Insurance For Parents
Affordable Burial Insurance For Parents

Therefore, it is important to consider buying a cost-effective life insurance plan policy package from any leading service provider. The reasons for buying cost-effective insurance plan include:

· Obtain the right cover

With the right plan today, if you discover that you have a international airport illness, you will not have to worry that you did not purchase insurance plan or spend your last days concerning about your liked ones. It is a serious affair to have a international airport ailment with no insurance plan. Purchasing a cost-effective plan allows you to spend your last days loving your close relatives members as opposed to concerning about their economical upcoming.

Affordable Burial Insurance For Parents.

· Protect the family

An cost-effective plan provides the necessary coverage that is essential in safeguarding close relatives members from economical hardship. If you change jobs or lose a job that provided you with insurance plan, your dependents will be protected, ensuring their lifestyle is maintained the best way possible.

· Covers the kids education

You need to purchase a plan that will adequately protect the kids upcoming knowledge costs. This will make sure, your kids continue to receive a quality knowledge even when you will no longer be around to finance it. If you are a grandparent or soon becoming one. You may consider leaving your grandchildren something valuable by investing in their university knowledge. This will set a good example of close relatives values and responsibility.

Affordable Burial Insurance For Parents.

· Caters for outstanding debts

The right plan can be relied upon to pay off financial obligations. This way, you will maintain your partner is not left behind servicing a loan or mortgage you applied for. As long as the wellbeing of your information. You want to leave your partner, parents and/or kids in a better economical state. Therefore, you should seek to protect the money you owe to make sure it is paid off when you die.

· Pays for memorial & funeral expenses

Funeral costs can account for thousands of dollars. Therefore, by buying cost-effective insurance plan you will be able to protect your memorial and funeral cost. This will go a long way in protecting liked ones from experiencing further poverty.

· Provides serenity of mind

Although there is no sum of money that can replace a liked one when they die. Knowing close relatives members will be economically secure should the breadwinner die helps a great deal in offering some satisfaction.

Article Source: Affordable Burial Insurance For Parents.

Best Life Insurance for Seniors Over 80 Without Med. Exam & Waiting

Best Life Insurance for Seniors Over 80 Without Med. Exam & Waiting

Acquiring insurance strategy coverage coverage is an excellent idea at any age, since it protects your family members once you are gone. The earlier you get the strategy, the cheaper the premiums, and the greater the reward. If you have lived for more than 6 decades on this earth, getting a life strategy can be challenging but it is still a smart investment for you.

Best Life Insurance for Seniors Over 80 Without Med. Exam & Waiting

Best Life Insurance for Seniors Over 80 Without Med. Exam & Waiting
Best Life Insurance for Seniors Over 80 Without Med. Exam & Waiting

If you are a mature looking for a suitable protection plans, your best choice is to go forever strategy with no health check. All you need is to get a few no-exam insurance strategy coverage quotations and choose the one friendly to your pocket.

The simplicity of the process

Among the significant reasons seniors people are reluctant to buy insurance strategy coverage coverage is going through the lengthy procedure of application and approval. Conventional life insurance for seniors over 80 years old coverage involves a rigorous procedure before the organization can approve your protect.

You have to take several healthcare examinations, which take time you do not have. On the other hand, the that has no health check does not involve any tests. All you have to is answer a simple healthcare questionnaire and you are good to go.

How you can benefit from a no-exam life cover

More and more elderly people in America today feel the need to take a life protect. The primary reason is to protect the rising expense of funerals. In general, a normal memorial might price more than $10,000, a figure which too high for many families. In addition, a sudden death makes memorial costs the most important and other unexpected costs soon follow. If you are a mature, you can spare your family of such heartache. By simply getting a life insurance for elderly parents over 80 coverage protect.

Where to start

As an elderly person, moving from one life insurance over 80 no medical exam strategy. Organization’s office to another looking for the best insurance strategy coverage quotations can be tiring and time-consuming. Your best choice to get the best strategy is to take your search on the internet. You will think it is much more convenient to compare premium rates online and choose the best prepare for you.

Depending with the strategy you choose, insurance strategy coverage with no health check can protect your memorial. And immediate costs once you are gone, or can provide enough protect for family until they are able to survive on their own. Keep in mind these strategy is slightly more expensive than a standard life strategy.

Cheap Rates Senior Life Insurance Premium

Cheap Rates Senior Life Insurance Premium

Everyone strikes times of financial strain. If you experience a period when you are not able to pay the top quality. For your daily life guarantee plan, you are not alone. But what can you do when you could not afford to pay your daily life insurance plan policy premium?

Cheap Rates Senior Life Insurance Premium

Cheap Rates Senior Life Insurance Premium
Cheap Rates Senior Life Insurance Premium

You have a few different choices obtainable to you during this efforts and there are a few different effects. That can happen as a result of not disbursing your daily life insurance plan policy top quality. It will be in your best attention to be conscious of these consequences. Before you make a decision how you will act in this situation.

Life indemnity is cheap for individuals with great health insurance low threat life ins. You can think to pay anywhere from a few pence to many pounds more per month for your prices. Some aspects give contribution to the quantity you pay-some are aspects you could control, and others are not.

Term insurance plans for senior citizens

For senior life insurance return of premium companies, settling on your top quality is about considering your level of threat and assigning a per month top quality price to go with it.

In very common terms, the more probable the insurer considers you are to die while the plan is in essence. The more they cost you for insurance plan. Your age, health insurance life all have an impact on how much your prices cost.

Premium life insurance repayment is a type of term life insurance. Which means it is a policy that lasts for a set period of time and then expires. However, unlike other forms of term life insurance. The premium refund offers the opportunity to receive your money at the end of the term.

How does it work?

  • The premium life insurance refund, sometimes referred to as an “additional clause” or supplement to a standard term life insurance policy, is sold for a specified period, generally 10, 20 or 30 years.
  • The policy holder makes monthly or annual payments, called “premiums,” to keep the policy current.
  • If the policyholder dies while the policy is in effect, a pre-established cash payment called a “death benefit” will be paid to the beneficiaries named in the policy. The higher the amount of coverage, the more premiums will cost.If the insured survives the term, 100% of the premiums paid in the course of the policy are refunded tax-free to the policy holder at the end of the term.
  • Is the return of premium life insurance worth it?
  • Whether or not the return of the premium life insurance policy is worth depends on your individual financial situation and goals. Getting a good amount of money when you are about to retire or close to it is good, especially if you don’t have to pay taxes for it. But you must consider that you are really recovering the money that has already entered.

Return Premium life insurance

It is not extra money; it’s money that was already yours. It is also money lost in years of compound interest, making it worth less than it would have been had it been invested.

Getting a tax-free premium refund is attractive. After all, many of our financial decisions revolve around lowering our tax burden. But you should not allow that to blind you to the flip side of a premium refund policy. You need to consider not only the tax implications, but also the upfront cost (higher premiums) and opportunity costs (lost in better investment vehicles) that come with them.

A premium life insurance policy return may work for someone who can pay a little more each month and wants a relatively low cost forced savings vehicle, but may not be suitable for someone who only needs a life insurance policy Basic term to protect your family and is more budget sensitive. If you’re wondering which life insurance companies offer return of premium policies and clauses, be sure to check out reviews from life insurance companies.

Life insurance for senior citizens over 60

Even though people may know the necessity forever insurance plan policy, sometimes it can be a burden to pay the per month top quality. This is mainly right for senior life guarantee as retirees are frequently living on fixed incomes and have limited ability to pay their costs.

The quickest method to decrease your daily life insurance over 60 to 85 plan policy top quality is to choose senior life insurance plan guarantee plan instead of a whole-life plan. The thought is to keep insurance plan as what it is and not turn it into an investment product.

Senior citizen term insurance

Hence, you could find yourself insured under term life insurance over 50 to 80 plan policy at the fraction of the cost of a whole-life scheme with usually the same protection quantity. However, do not overlook that elderly insurance plan guarantee covers you simply for a pre-defined time period.

To decrease your daily life insurance over 50 to 90 plan policy top quality, the easiest thing you could do is to check with a talented insurance plan consultant. Given that the consultant will be pro in the marketplace, he/she would be able to find you to the most affordable contract in proportion to your protection requirements.

Senior life insurance return of premium

Basically a good elderly life insurance plan consultant would contrast various market prices for you and would also negotiate the best prices on your behalf. All right, internet is a great place to discover an agent.

Article Source: Cheap Rates Senior Life Insurance Premium.

MetLife Life Insurance For Seniors Reviews

MetLife Life Insurance For Seniors Reviews 2018

Whenever individuals mature, the future often seems unclear. Therefore, they often look for ways of ending this feeling. On matters of financial security, it is important to consider a excellent insurance plan policy.

MetLife Life Insurance For Seniors Reviews

MetLife Life Insurance For Seniors Reviews 2018
MetLife Life Insurance For Seniors Reviews 2018

If you are mature, you can consider life insurance for seniors over 75 plan coverage for older individuals. If you are in your 80s and you fear being declined the opportunity to receive a excellent cover, several leading insurance plan agencies are experts in providing seniors’ insurance plan. The advantages of the seniors’ guidelines include:

Affordable life insurance for seniors

In the past, age was a significant component in identifying the threat. As a result, the seniors drawn greater prices. However, with progression in medicine and improved lifestyle, everyone is living longer and healthier lives.

Hence, it is not unusual for best life insurance for seniors over 70 plan agencies to neglect the age aspect and significant on other risks. Therefore, guidelines made for older everyone is becoming affordable- challenging reduced prices. If you have a limited budget, you can consider the word plan for older individuals.

Residence planning

When you shop around, you will discover several senior life insurance plans plan products created with the older individuals thoughts, at very competitive prices. Therefore, as long as you have some income, you need to consider buying an expression plan.

The right plan will help you plan for your home or estate, to make sure it is handed down to other close relatives easily.

Pay for best life insurance for seniors over 60

As a responsible mature, you may not want to pressure your liked ones with many costs. Although family members members may be willing to bear some of the costs, this is likely to prove difficult particularly to your kids who are trying hard to raise their families. Therefore, you can consider the word plan. This will offer you and your enduring spouse, kids or other liked ones the desired satisfaction.

Article Source: MetLife Life Insurance For Seniors Reviews 2018.

Life Insurance Quotes for Senior Citizens

Life Insurance Quotes for Senior Citizens

Some people are under the impact that it’s too delayed to get lifestyle insurance plan plan when you’re an older person. But the truth is that this is actually one of the best times to take on insurance plan. That’s because most organizations understand that the elderly people have already gathered enough prosperity, and have enough extra cash to get on something that they’re likely to need.

Life Insurance Quotes for Senior Citizens

Life Insurance Quotes for Senior Citizens
Life Insurance Quotes for Senior Citizens

One of the best places to start searching is the Online. Although a lot of elderly people are reluctant to use it, the Online is actually easy for finding reliable insurance plan companies.

That’s because google have a way of position organizations by reputation and reputation. In addition to that, a lot of these organizations have sites. On these webpages, they provide targeted traffic the ability to evaluate quotations from one another. They may also give reviews on, or deliver further queries to, the company through reviews types on the sites.

LIC life insurance policy for senior citizens

But if you can’t find the solutions you need on a company’s website, do not worry. There are lots of health-related sites throughout the globally web. These include:

community sites
forums
social press groups
organization websites
…and many, many more. on these sites, you can ask questions, increase problems, or even read other suggestions about a particular company or service.

IDBI senior citizen term insurance

When you’ve discovered a company you can work with, it’s time to deliver them a fully achieved type. An important principle is never to lie on your type. Insurance companies are understanding of any health-related circumstances you may have neglected use in your program. Offer as much information as you can about yourself. The more clear you are, the better your possibilities are of getting accepted for the plan.

There really is no need to worry about the price when you’re asking about lifestyle quotations for elderly people individuals. There a variety of LIC policy for senior citizens plan companies that can offer cost-effective rates. As a point actually there are some companies that do away with strict wellness specifications in order to have more customers from the high-risk market.

Term insurance plans for senior citizens

These organizations offer assured acceptance guidelines. These are merely guidelines that do not require the potential customer to go through medical check-ups as a need for their acceptance. Most of these, however, have really low value, and have restricted functions.

Before lastly selecting a company you’d like to buy from, examine their guidelines and insurance coverages first. Some organizations don’t consist of some things like random / accident loss of life in their protection, for example. Think about the benefits that you can get from the company.

That way, you ensure that you don’t overlook what you think you need. But don’t forget to look for a plan that is cost-effective to you. Starting point and ask for at least five quotations before taking protection. Some have particular functions that you don’t really need, so sometimes it’s best to choose guidelines that are designed to fit your needs.

Article Source: Life Insurance Quotes for Senior Citizens at www.lifeinsuranceforelderlypeople.com

Senior Life Insurance Company Reviews

Senior Life Insurance Company Reviews

Life insurance plan policy plays a very significant aspect in light of enhancing inflation, modifying the life and modifying nuclear households. Get Senior life insurance company reviews cover elderly people requires to included in the financial planning procedure which is aware of charting out the enduring financial goals and aims with the goals of getting the same.

Senior Life Insurance Company Reviews

Senior life insurance company policy takes account factors of security, planning for emergencies and contingencies as well as success stories. Meaning, the financial plans require to be assessed in order to accommodate the particular demands of diverse life stages.

One Stop Shop for Mature Life Insurance

Senior Life Insurance Company Reviews
Senior Life Insurance Company Reviews

Thus, A lot of life insurance over 70 plan suppliers these days turn away or take for elderly clients. Hence, Seniors life insurance compare rate quotes makes it more likely for the older to get protection plan which matches their requirements.

So, elderly people as well as their loved ones don’t need to senior life insurance settlement 20 plan suppliers which keep turning them down. In addition, older individuals do not need to look at all the available life insurance company websites to get what they want.

Thus, Seniors life insurance provides an easy, fast and convenient way of assessing and evaluating insurance plan. Choices available from leading life insurance plan suppliers in the business. Hence, Through answering many essential questions which include the place you live in, year of birth and gender. A state of the art technology gives you the chance to obtain a free calculate online.

Senior life insurance no medical exams over 85

Aside from that, living insurance cover senior calculate can be obtained for free. Agent and website just to get the plan which matches them. You only need to compare the estimates available from the list of Senior life Insurance company of suppliers. .

Senior Life Insurance Company Reviews Over 88

Torch mark

e-financial

Life InsurancePro

State Farm

US Insurance Agents

The company agent facilitates for senior life insurance plan to provide the needs of those living on a fixed daily budget. Through evaluating various offers, elderly people can gain a senior life insurance company review policy which falls on their budget. As a matter of fact, this overcomes the error made by many customers who fall prey to exorbitant offers. Just because they didn’t take the hard work of obtaining many life insurance cover senior quotes to accomplish a great choice.

Srlife company testimonial

The online senior life insurance provides many chances to elderly people. Who are frequently ignored by lots of life insurance plan suppliers. These organizations provide coverage or plan without asking a medical test. In the event you have been detected with a disease, these senior life insurance comparison can give a financial safety net. For hospital assistance and funeral or cremation bills. In addition, Senior life Insurance for senior company reviews provides the ideal savings. To offer for their grandchildren to accomplish their charges which include education.

Texas Department of Insurance – Texas.gov Phone Numbers

* Do you have Ssenior life insurance company reviews and Get free compare rates companies quotes at lifeinsuranceforelderlypeople.com.

Life Insurance for Seniors Over 80 Years Old

Life Insurance for Seniors Over 80 Years Old

Life insurance over 80 program’s a legal contract between you and protection provider. It is one of the critical factors of economical planning. But can you go for protection plan if you are life insurance after 80 of age? You may think that it is not affordable or such an choice is not available.

Life Insurance for Seniors Over 80 Years Old.

Life Insurance for Seniors Over 80 Years Old
Life Insurance for Seniors Over 80 Years Old

Usually elderly people require a strategy mainly to pay estate taxes or some other costs or leave a heritage to their recipients. When you are over 80 years of age, you need protection plan which is most affordable having the best rate and matches your individual scenario.

To know the best life insurance after 80 that you prefer, you could evaluate the prices of different organizations. While looking for cheaper prices it is also essential to consider the economical strength of the insurance providers.

Get cheap life insurance for seniors without exam.

You might discover a licensed separate broker who is knowledgeable in programs and symbolizes many different organizations. It would help if he is knowledgeable in life insurance policies for elderly people. This would be the best choice as the broker would evaluate different prices and help you select a best insurance for over 80 years old that best matches your needs.

Affordable life insurance for eighty year old

A few of the critical concerns that need to be responded to before choosing protection plan are – the type of strategy that you need, the amount of protection you need, and based on your wellness and age issues, which organizations provide the best prices. Once these concerns are responded to your needs and your unique circumstances would be clear.

The broker would then be able to use his expertise and relationships with various organizations to discover the best senior life insurance compared strategy for you. To make sure your interests are best provided, the broker could continue tracking and analyzing your insurance over 80 needs.

AARP life insurance for seniors over 80 to 90.

The insurance market for those above 80 is different. Companies provide life insurance for seniors until the age of 89. Most of the life insurance coverage provide a protection of about $50000 for elderly people. Generally the elderly people use their insurance for last costs and the ultimate memorial costs do not surpass more than $20000.

So this means that a compact sized face value and a compact sized top quality. And the top quality could be paid monthly or yearly. However you would have answer some primary medical related concerns before going for any strategy. There may not any medical examination though.

Cheap term life insurance no medical exam for seniors.

So life cover elderly people is an choice that is made available options online by organizations until the age of 89 and you could select a strategy that best matches your needs by taking help from an separate broker who specializes in insurance for over 80 years olds.

  1. Elderly Life insurance for over 90 online.
    2. life insurance for seniors over 80 after you retire from the state of fl.

* Life Insurance for Seniors Over 80 Years Old Compare Rates With Cheap Rates.

No Exam Life Insurance for Seniors Over 65

No Exam Life Insurance for Seniors Over 65 Years Old

A venerable age does not bring only respect and appreciation from your fellow friends, but also a series of disadvantages. Some services can become unavailable once you reached 65 years, which is usually the age of retirement.

If you do not own a term policy by the time you retire. Finding it after that can become more difficult. For free quotes check out here www.lifeinsuranceforelderlypeople.com.

No Exam Life Insurance for Seniors Over 65 Years.

No Exam Life Insurance for Seniors Over 65
No Exam Life Insurance for Seniors Over 65

Senior Couple on Computer – VerticalNot so many insurance providers are willing to accept retired people as clients. Since they earn little and they are not expected to live more. We suggest you to apply for no health examination life insurance for seniors over 60 of age elderly people. If you got sick of being rejected by medical insurance for retirees under 65 organizations that sell traditional guidelines.

Compare Rates of Life Insurance for Seniors Over 65.

No examination aarp life insurance on 50 and above policy provides assured. And immediate approval to elderly people that are more than 65 decades of age. However, an age limitation still exists, even for life insurance for seniors over 65 no medical exam Years Old providers. The limit is around the age of 80-90 decades and until this age. You will have not to worry about receiving guaranteed coverage.

You also find life insurance for elderly people over 70 here

We know that time is precious for any mature and no examination guidelines. Help you save huge time periods, since healthcare exams are no longer a requirement . Guaranteed approval for elderly people is one of the most typical no examination whole life insurance seniors over 70 plan. It does not discriminate individuals against their age or health. And even if you have some healthcare conditions, you can get it.

How much life insurance for seniors?

Rates for cash-value guidelines are much greater. For example, the healthier 40-year-old man who will pay $350 a season for a $500,000 term life plan would pay about $3,000 a season for a $500,000 worldwide life guaranteed coverage plan. It in part because a part of that $3,000 is going into the financial commitment part of the plan. That’s a significant distinction.

AARP Life Insurance 68 Year Old Male

No exam burial life insurance plan is another policy which can be sold by no health check life insurance. For seniors over 65 organizations. This is also an excellent alternative to standard guidelines.

Best life insurance for $800,000 for seniors 65 are older

Since no-exam life insurance over 65 – 68 plan policy is not that cheap, we suggest you to thoroughly analyze the market and complete many free lifestyle insurance plan policy quotes. Senior employee benefits here.