Report this profile About • A highly focused and organized finance and marketing associate with a strong business acumen. <br>• Highly skilled in Financial Analysis and Reporting, Budgeting and Planning and Negotiation | Learn more about Akosua Sarpong's work experience, education, connections & more by visiting their. Other examples include insurance companies, pension funds, trust companies, mortgage providers or leasing companies which offer different types of financial services with different terms and conditions. 5 ASN Financial Services Ltd. 66 with Equity Capital Limited; First African Savings and Loans placed GH¢1,305,000. Commerz is an SME-focused bank established as one of the leading alternative financial services providers to the universal. Savings & Loans | 105 followers on LinkedIn. Use this section to learn more about the key technologies and tools used by Commerz Savings & Loans and how they affect the user interaction and engagement with the company. 6 followers 6 connections. com. LinkedIn is the world’s largest business network, helping professionals like Commerz Savings and Loans discover inside connections to recommended job candidates, industry experts, and business partners. 9/24/2022 8:46 AM. 99 million. COMMERZ SAVINGS AND LOANS Banking ACCRA, GREATER ACCRA REGION MultiCredit Savings and Loans Ltd. Edem Bart Williams, Managing Director of the new savings and Loans Company, in an interview, said Commerz is coming into the market to do things. The company was therefore declared insolvent by the Bank of Ghana and its license revoked. View Commerz Ghana’s profile on LinkedIn, the world’s largest professional community. 8 Crest Finance House Ltd. Pan-African Savings And Loans. BL Joint Receivers of UT and Capital Bank PU Receiver of 347 Microfinance Companies and 23 Savings and Loans and. The Bank of Ghana has with immediate effect revoked the licences of twenty-three (23) insolvent savings and loans companies and. •Good understanding of investment,commercial, private banking. Here is the Cedi's performance as of February 20, 2023Commerz Savings and Loans Ltd 8. As an investment firm, the. Close. BASEMENT FLOOR PLAN 1 Car Parking Area 2,Driver's LoungeMicrofinance Finance Companies (“MFCs”) and Savings and Loans and Finance House Companies (“S&Ls”), it was noted that there was a mismatch in the assets and liabilities as reported by these institutions. CDH Savings and Loans was collapsed due to many reasons outlined by the Bank of Ghana. Bank with Us - You and Us, a growing Partnership! | Savings and Loans Company The Seed Funds Savings and Loans (TSF) was incorporated on 12th May, 2014 and started operations in August, 2014. , Crest Finance House Ltd. 1y Report this comment Report Report. , First African Savings & Loans Company Ltd. NewsCDH Savings and Loans (In Receivership) MOMO: 0591449274 8: Commerz Savings and Loans (In Receivership) MOMO: 0591449276 9: Crest Finance House Ltd (In Receivership) MOMO: 0591449277 10: Dream Finance Co. COMMERZ SAVINGS AND LOANS, +3 more University of professional Studies, Accra, +1 more. 7 Commerz Savings and Loans Ltd. com. 14. Equity Savings and Loans Ltd. In 2006 and 2009, 90% and the remaining 10% of the company was acquired by the. We are committed to providing financial solutions to all segments of the society which is why we have developed tailor-made solutions that makes Banking accessible to everyone. Contact NumberBest Large Personal Loans. Set up new payees from your app. View the profiles of professionals named "Gifty" on LinkedIn. , Express Savings and Loans Company Ltd. Accra, Ghana Credit Relationship Manager First Capital Plus 2011. Previously, Robert was a Reconciliation Office r at Commerz Savings & Loans. Head, Consumer Banking uniBank Ghana Ltd Jul 2006 - Jun 2012 6 years. Bank. Commerz is an SME-focused bank established as one of the leading alternative financial services providers to the universal banks in Ghana and was founded in 2016 and commenced banking operations in February 2017. Ltd and Women’s World Banking Savings and Loans Co. Commerz S&L to deepen financial inclusion with technology. Découvrir Personnes LinkedIn Learning Offres d’emploi S’inscrire S’identifier Savings & Loans Services financiers ADELAIDE, South Australia 95 abonnés Suivre. 10 Express Savings and Loans Company Ltd. on August 19, 2019. First African Savings & Loans Company Ltd 12. GASL is now one of the. saving and loans. “Mr Ato Essien has no link whatsoever with Commerz, the remotest link was that the erstwhile Capital Bank used to be the clearing Bank for Commerz from. Sector: Financial Services » Banks. Contact NumberAnother Savings and Loans Company, Commerz Savings and Loans has denied having any link with embattled former Managing Director of collapsed Capital Bank, William Ato Essien. Dream Finance Company Ltd 10. greater 54 Olusengun Obasanjo High Way Opposite No,. Email. Gifty Anti's Phone Number and Email. 13. COMMERZ SAVINGS AND LOANS is in the sectors of: Financial Services. , First Trust Savings and Loans Ltd. Back Submit. 9. 4. , ASN Financial Services Ltd. . Commerz Savings and Loans Ltd. The Receivership of the 23 Savings Loans and Finance House Companies, on Monday, 2nd December announced branches of companies under receivership, that would stay open to service customers of all Savings Loans and Finance House companies whose license have been revoked. As a result of persistent complaints by customers that the institution was unable to meetAccra, Ghana, August 16, 2019//-The Bank of Ghana has, with effect from today, revoked the licences of 23 insolvent savings and loans companies and finance house companies operating in the country. Henrietta Dampare works at Commerz Savings & Loans, which is an Industrial Machinery & Equipment company with an estimated 11 employees. He is a. 2/4/2023 3:19 PM. Sustainable Loans Commerzbank is an active arranger of sustainable and sustainability-linked. Merry Christmas and A Prosperous New YearBi Microfinance in Accra open now. ASN Financial Services Ltd. Finance House. Finance House. Best High Yield Savings Accounts. Union Savings and Loans | 260 followers on LinkedIn. Capital 3,839,239. It is currently made up of all the 37 licenced Savings and Loans Companies serving over 3. Commerz Ladies, an association of the female staff of Commerz Savings and Loans, has been launched to empower corporate female executives and support the vulnerable in the society. Henrietta is currently based in Accra, Greater Accra. View All Result . Engaged in: Legal and financial · Banks. Join to view profile COMMERZ SAVINGS AND LOANS. The Bank of Ghana has also appointed Eric Nipah as a Receiver for the specified institutions in line with section 123 (2) of Act 930. The Management of Commerz Savings and Loans Limited on Monday sated that Mr Ato Essien founder of defunct Capital Bank has no investment in the portfolios of the company. 50% discount off our already low ratesCommerz is been reputed for integrity and professionalism and it is also respected for the quality and stability of its management. View the profiles of professionals named "Duvor" on LinkedIn. read more. Join to view full profile. View the profiles of professionals named "Anti" on LinkedIn. -303 214444 No. Maame Yaa Tiwa Addo-Danquah – EOCO Boss THE ECONOMIC and Organised Office (EOCO) is taking steps to obtain freezing orders from the court to ascertain the ownership status of some 100 landed properties belonging to five microfinance companies and nine savings and loans companies. Welcome to our official page, where you’ll find our news, products and much more. Clifford Appiah Boakye-Boateng Student at ZENITH UNIVERSITY COLLEGE. His journey in the realm of business leadership commenced with a. Secure a responsible career opportunity to fully utilize my training and skills, <br>while making a significant contribution to the success of the company. com. Commerz Ghana - Savings and Loans - Commerz Savings and Loans | LinkedIn. in Banking. , CDH Savings and Loans Ltd. News CDH Savings and Loans (In Receivership) MOMO: 0591449274 8: Commerz Savings and Loans (In Receivership) MOMO: 0591449276 9: Crest Finance House Ltd (In Receivership) MOMO: 0591449277 10: Dream Finance Co. Commerz is been reputed for integrity and professionalism and it is also respected for the quality and stability of its management. 98, Commerz Savings and Loans Equity. Company information for Commerz Savings And Loans , including website, description, revenue, employees, headquarters, founders and more. Last Update. Business News of Saturday, 5 May 2018 Source: happyghana. Business News of Monday, 16 September 2019. With our current accounts and credit cards, you can manage your money more easily. , Express Savings and Loans Company Ltd. First Atlantic Bank - Airport Branch #47 Patrice Lumumba Road, Airport Residential Area, (Opposite National Service Secratariat), Accra. More Companies Dissociate Themselves From Former CEO Of Collapsed Capital BankThe Bank of Ghana has revoked the licences of 23 savings and loans companies after they were declared insolvent. Savings and Loans Company 11 First African Savings & Loans Company Ltd. and Global Access Savings and Loans Company Ltd. We offer simple financial products and solutions driven by technology to meet the. 18, Midland Savings and Loans Limited Ekumfi Quarries Ltd 5,089,399. greater 54 Olusengun Obasanjo High Way Opposite No, Accra, Greater Accra, Ghana and has 22 employees. com 2019-09-16 Help us recover assets of directors of failed banks – BoG to Chief JusticeCommerz Savings and Loans has a strong workforce of about 33 staff with about 20-25 of them being women. 98, Commerz Savings and Loans Equity Capital 3,839,239. Edem Bart Williams has been awarded the Best Young Non-Bank Financial Entrepreneur for the year 2017 by the Entrepreneurs Foundation of. Find Akosua's email address, mobile number, work history, and more. AllTime Finance Ltd 4. Get all the flexibility you need for your finances. Captain Prince Kofi Amoabeng (Rtd), CEO of defunct UT Bank, has been explaining why his financial institution was closed down by the government of Ghana. 20. Fidelity Bank. Akosua Sarpong has been working as a Relationship Manager for COMMERZ SAVINGS AND LOANS for 1826 days. Fred Adajawah Credit Relationship Manager at COMMERZ SAVINGS AND LOANS Ghana. Commerz is an SME-focused bank established as one of the leading alternative financial services providers to the universal banks in Ghana and was founded in 2016 and commenced banking operations in February 2017. Alpha Capital Savings and Loans(In Receivership) GHS: 1315515100010 USD: 1315515100011: 6: ASN Financial Services (In Receivership) GHS: 1315515100012 USD: 1315515100013: 7: CDH Savings and Loans (In Receivership) GHS: 1315515100014 USD: 1315515100015: 8: Commerz Savings and Loans (In Receivership) GHS:. 11 First African Savings & Loans Company Ltd. Patrice Lumumba Road, Accra. Commerz has 1 job listed on their profile. Bank Of Africa Maamobi branch in Accra open now. See the complete profile on LinkedIn and discover Frank’s connections and jobs at similar companies. L&C Associates 15 Tsuru st East Airport, Accra, 23303 Accra, Ghana. In addition, there were transactions that required further investigation to determine their legitimacy. , Crest Finance House Ltd. Kofi Amoabeng has been explaining why his bank was collapsed He said, at the time UT Bank was going through some problems He stated that he is not bitter about the events that unfolded Captain Prince Kofi Amoabeng (Rtd), CEO of defunct UT Bank, has been explaining why his financial institution was closed down by […]Only recently, the European Commission tightened the CO2 savings targets. Business News of Thursday, 16 September 2021. COMMERZ SAVINGS AND LOANS MARTINA MORNY Reconciliation Analyst at COMMERZ SAVINGS AND LOANS Accra. 3. . George W. 0. Public Servants who have been affected by the closure of three banks recently, have been advised by the Controller and Accountant General’s Department (CAGD) to open fresh accounts with banks…Global Access Savings and Loans (GASL) Company Limited is licensed by the Bank of Ghana as a Non-Bank Financial Institution to accept deposits and provide credit facilities to our valued customers. , Commerz Savings and Loans Ltd. , Commerz Savings and Loans Ltd. Previously, Vanessa was a HR Executive at Commerz Savings & Loans. Savings and Loans Company 12 First Allied Savings and. , ASN Financial Services Ltd. Savings & Loans | 103 seguidores no LinkedIn. View Contact Info for Free. Terms and conditions apply. I managed the company's loan portfolio, implementing risk management practices that reduced the loan default rate by 20%. 9 Dream Finance Company Ltd. Interview with CEO of Adom Savings & Loans S&L WATCH The Official Journal of the Ghana Association of Savings & Loans Companies GHASALC Sports Fiesta How players fared Feature: S&L Speaks to CEO of Commerz Savings & Loans Everything You need to about the New Banking THE SPORTS FIESTA The annual sports games for Savings and Loans industry took The others are Accent Financial Services Limited, All Time Finance Limited, Alpha Capital Savings and Loans, ASN Financial Services Limited, CDH Savings and Loans Limited, Commerz Savings and Loans, Crest Finance House Limited, Dream Finance Company Limited, Express Savings and Loans Company, First African Savings and Loans Company, First. To connect with COMMERZ SAVINGS AND LOANS's employee register on SignalHire. . saving and loans. Found email listings include: @commerzghana. Express Savings and Loans Company Ltd. On January 4, 2019, the Bank of Ghana approved a request to reclassify GN Bank from a universal bank to a Savings and Loans company following its inability to meet new required minimum paid-up. Edem Bart Williams, Managing Director of the new savings and Loans Company, in an interview, said Commerz is coming into the market to do things differently in. 165 Nima Road, Accra, Ghana, phone, opening hours, photo, map, locationClifford Bansah works as a Audit Head at Commerz Savings & Loans, which is an Industrial Machinery & Equipment company with an estimated 23 employees; They are part of the Internal Audit & Control team within the Finance Department and their management level is Director. COMMERZ SAVINGS AND LOANS | 71 followers on LinkedIn. Microsoft, +5 more Norfolk State University, +1 more. The post EOCO To Freeze Assets Of ‘Missing’ Investors appearedContact Nii Martei directly. the-ira. The bottom line: Commerce Bank is a regional bank in the midwestern U. Commerz Savings and Loans, Accra, Ghana. Dr. Robert Ennuson's Phone Number and Email. read more. Greater Accra, Ghana (7. 7. 2 North Street, Tesano P. , Commerz Savings and Loans Ltd. Spintex, Accra View NANA’S full profile See who you know in common Get introduced. Commerz Ladies, an association of the female staff of Commerz Savings and Loans, has been launched to empower corporate female executives and support the vulnerable in the society. Commerz Savings and Loans added a cover video. , Dream Finance Company Ltd. Frontliner at COMMERZ SAVINGS AND LOANS Greater Accra Region, Ghana. See also Bonität. 25 followers 25 connectionsCOMMERZ SAVINGS AND LOANS, +1 more University of Education Gifty Anti Adjunct Lecturer / PhD. Savings and Loans Company. Report this profile Report Report. We offer. CDH Savings and Loans Ltd. 2008 - 2014. An example is the Savings and Loans Association which has been in existence for so long. saving and loans. , the First African Savings and Loans Company Ltd. First Allied Savings and Loans Co. Last Update. , Additionally, I served as Finance Manager at Commerz Savings & Loans Ltd, successfully driving a 10% increase in profitability through comprehensive financial analysis and sound business decisions. 9. . Best Big Bank. Commerz Savings and Loans, the newest entrant to the financial sector, is seeking to deploy technological tools to attract more of the unbanked population into the banking sector. 15. Commerz Savings & Loans Contact Info: Phone number: +233 302767911 Website: What does Commerz Savings & Loans do? Commerz is. Home; News. Ltd hold the accounts of five. Central University College. In addition, there were transactions that required further investigation to determine their legitimacy. A statement issued by the BoG on Friday, August 16, 2019 said the revocation of the licences of the institutions had become necessary because they. Iris Quaynor is an Administrative Assistant & Group Chief Executive Officer, Office of at Commerz Savings & Loans based in Accra, Greater Accra. View the profiles of professionals named "Gifty" on LinkedIn. Commerz Savings and Loans, the newest entrant to the financial sector, is seeking to deploy technological tools to attract more of the unbanked population into the banking sector. Others are AllTime Finance Ltd. Passer au contenu principal LinkedIn. Congratulations Prince Atsianu. 8. NOTICE TO ALL BORROWERS AND LOAN DEFAULTERS. 1,329 likes · 1 was here. CDH Savings and Loans Ltd. Commerz Ladies, an association of the female staff of Commerz Savings and Loans, has been launched to empower corporate female executives and support the vulnerable in the society. “The Bank of Ghana has, with effect from today, revoked the licences of twenty-three (23) insolvent savings and loans companies and finance house companies” a statement released on Friday (August 16) said. Education Nelson Mandela Metropolitan University Doctor of Philosophy (Ph. Vanessa Owusu is a National Service Personnel at UT Bank based in Accra, Greater Accra. Best Point Savings and Loans Ltd. Savings and Loans Company. Terms Apply. John Morgan-Eshun's Phone Number and Email Last Update. 537 m. Open now - closes at 5pm. In 2006 and 2009, 90% and the remaining 10% of the company was acquired by the. Table 3. Join to view profile COMMERZ SAVINGS AND LOANS. 97, Commerz Savings and Loans Nordea Foundation 3,054,055. There are 6700+ professionals named "Gifty", who use LinkedIn to exchange information, ideas, and opportunities. First African Savings & Loans Company Ltd 12. bruary 2017. Commerz Savings and Loans again placed GH¢3,054,055. Microfinance Finance Companies (“MFCs”) and Savings and Loans and Finance House Companies (“S&Ls”), it was noted that there was a mismatch in the assets and liabilities as reported by these institutions. The central bank in a statement on Friday said the revocation of the licences of these institutions has become necessary because they are insolvent even after. There are 4600+ professionals named "Anti", who use LinkedIn to exchange information, ideas, and opportunities. Girl Senior High School. , ASN Financial Services Ltd. COMMERZ SAVINGS AND LOANS is a Ghana headquartered business thats main business focus is Banking. 52 followers 52 connections. Ridoana comprehensive school Michael Duvor. , ASN Financial Services Ltd. Ltd. MultiCredit Savings and Loans Ltd | 66 followers on LinkedIn. Ernest Addison – Governor of BoG Bank of Ghana (BoG) in collaboration with the Economic and Organised Crime Office (EOCO) are on the heels of some 17 resolved financial Read More. 18, Midland Savings and Loans Limited Ekumfi Quarries Ltd 5,089,399. 2 Fees may increase when Community Savings. Commerz Savings and Loans In Receivership, +4 more Zenith University, +2 more Clifford Boakye-Mensah Data Scientist. One Storey Residential Apartments. 8. Previously, Gifty was an Investment Officer at African Support Network. When you need a little extra cash to make that dream come. Directions More Details. 16. 6 CDH Savings and Loans Ltd. , ASN Financial Services Ltd. See the complete profile on LinkedIn and discover Commerz’s connections and jobs at similar companies. 650M+ Contacts Search. Commerz Trade Services S. | MultiCredit savings and loans Ltd(formally Garden City Savings & Loans Ltd) is a limited liability company licensed by the Bank of Ghana in conformity with the provision of the financial institution (PNDC) law to mobilize deposits from the public and grant loans. Apply for the Personal Savings account Apply Now Learn more about the Commerce myRewards Savings account Student Auto Loans • Get a 0. We are licensed by the bank of Ghana as a Savings and Loans Company with registration number 0088 Commerz Savings and Loans, the newest entrant to the financial sector, is seeking to deploy technological tools to attract more of the unbanked population into the banking sector. COMMERZ SAVINGS AND LOANS’ Post COMMERZ SAVINGS AND LOANS 81 followers 6y Report this post Text U40 space BF space DR. Commerz is been reputed for integrity and professionalism and it is also respected for the quality and stability of its. Dream Finance Company Ltd 10. William Sasu Nyarko Finance Manager at COMMERZ SAVINGS AND LOANS Accra, Greater Accra Region, Ghana. •Growth and managed a portfolio of 14million within 6months with my own mobilization. Bank. • EOCO and the Receiver to act as prosecution witnesses in the On January 4, 2019, the Bank of Ghana approved a request to reclassify GN Bank from a universal bank to a Savings and Loans company following its inability to meet new required minimum paid-up. com) 7. Completed. Commerz Savings and Loans, unveiled in February, is the latest entrant to the financial sector, seeking to deploy technological tools to attract more of the unbanked population into the banking. The bank maintains a presence in. 12. COMMERZ SAVINGS AND LOANS is in the sectors of: Financial Services. Commerz Savings and Loans Limited Jan 2017 - Present 6 years 5 months. Edem Bart Williams has been awarded the Best Young Non-Bank Financial Entrepreneur for the year 2017 by the Entrepreneurs Foundation of. Source: laudbusiness. Clifford graduated from University Of Leicester and is currently based in. Finance House 9 Dream Finance Company Ltd. Savings and Loans Company. Financial Inclusion. 94 followers 92 connections. Greater Accra, Ghana COMMERZ SAVINGS AND LOANS 2 years 7 months Operations Officer COMMERZ SAVINGS AND LOANS Jan 2018 - Aug 2019 1 year 8 months. Name: Commerz Savings And Loans Limited. Landry Joel KOTCHI Commercial chez Baloon Assurance Abidjan, Côte d'Ivoire. saving and loans. She joined HFC Bank Gh. , Alpha Capital Savings and Loans Ltd. Ltd (In Receivership) MOMO: 0591449279 11: Express Savings and Loans(In Receivership) MOMO: 0591449281 12: First African Savings and Loans. Savings and Loans Company 6 CDH Savings and Loans Ltd. Seattle, WA. Dream Finance Company Ltd 10. Germany. 54 Olusengun Obasanjo High Way, Opposite Accra Girl Senior High. LIONS ! We serve. 11. Savings and Loans Company 7 Commerz Savings and Loans Ltd-Savings and Loans Company 8 Crest Finance House Ltd-Finance House 9 Dream Finance Company Ltd-Finance House View Commerz Ghana’s profile on LinkedIn, the world’s largest professional community. Read More . A. Cobbinah Abbass Samuel is on Facebook. Bush Highway, Accra, Greater Accra Region, Ghana (8. Commerz Savings and Loans has a strong workforce of about 33 staff with about 20-25 of them being women. 463 GPO Box ADELAIDE, South Australia 5001, AU6 CDH Savings and Loans Ltd. Commerz is an SME-focused bank established as one of the leading alternative financial services providers to the universal banks in Ghana and was founded in 2016 and commenced banking operations in February 2017. Credit Relationship Manager at COMMERZ SAVINGS AND LOANS Ghana. Find below the full statement. 07 with Nordea Foundation; Firstrust Savings and Loans Limited placed GH¢1,943,495. We offer simple financial products and solutions driven by technology to meet the needs of the underOffice of the Receiver, 23 Savings and Loans and Finance House Companies Accra, Greater Accra Region, Ghana. 8 Crest Finance House Ltd. Commerz has 1 job listed on their profile. For over a year-and-a-half, many customers of the once-vibrant institution could not retrieve their locked-up. Commerz is an SME-focused bank established as one of the leading alternative financial services providers to the universal banks in Ghana. All . Crest Finance House Ltd. Senior Compliance Officer at Commerz Savings & Loans. Join to view profile COMMERZ SAVINGS AND LOANS. 8. Edem received a BSc degree from Central University College and a. 2 million clients in about 1,084 business outlets in all the 10 regions of Ghana. 89 with Susu Plus Services; Accent Financial Services placed GH¢1,612,089. 13. 18 and the companies where the funds were placed. Sakaman, Accra – Greater Accra Region. The Church of Pentecost, +4 more. The move forms part of wider. , Dream. The bottom line: Commerce Bank is a regional bank in the midwestern U. Commerz Savings and Loans, unveiled in February, is the latest entrant to the financial sector, seeking to deploy technological tools to attract more of the unbanked population into the banking. The protection ceiling for deposits. S. Dr. Learner. Commerz is been reputed for integrity and professionalism and it is also respected for the quality and stability of its management. , Alpha Capital Savings and Loans Ltd. Commerz Savings & Loans. COMMERZ SAVINGS AND LOANS. On average, Akosua Sarpong works for one company for 2 years 3 months. Finance House 10 Express Savings and Loans Company Ltd. Aim to seek, identify and further develop an appropriate level of professionalism and<br>development of employer-valued skills such as teamwork, communication and attention<br>to detail. Accra, Ghana, phone, opening hours, photo, map, locationAll the key facts at a glance: The price list “Preisaushang” gives you an overview of our charges and terms for products like accounts, payments, loans, and securities. Loans to government workers, Groux Loans to women in. At the management level, the women make up four out of 10 managers. The findings were that the initial transactions imply willful deceit at the conversion stage from a savings and loan to a full. Read MoreGifty Anti is a Senior Relationship Officer at Commerz Savings & Loans based in Accra, Greater Accra. We are licensed by the bank of Ghana as a Savings and Loans Company with registration number 0088We offer simple financial products and solutions driven by technology to meet the needs of the underserved Small and. , Commerz Savings and Loans Ltd. Report. , Crest Finance House Ltd. , First Trust Savings and Loans Ltd. Tuesday: 09:00 - 17:00. , +233 Accra, Ghana (5. Express Savings and Loans Company Ltd. Chief Executive Officer of Commerz Savings and Loans, Dr. , the First African Savings and Loans Company Ltd.