The lender will assume that you have to pay £600 per month for your credit card debt, and factor this into how much you can afford to pay on your mortgage. Whatever your background or circumstances, we can help. You can confirm our registration on the FCA's website (opens in a new window) Nationwide is not responsible for the content of external websites. Call us now on 020 8979 9684. We specialise in providing independent mortgage advice on buy to let mortgages for investors – HMO’s, Limited Companies, Ex Pats, Let to Buy. Skip to content. However, as the buy to let property market continues to develop, more and more lenders are beginning to consider approving investors with CCJs; this. Welcome to the LegalBeagles Consumer and Legal Forum. If your mortgage application is declined by Nationwide, you should expect to wait three months before submitting another application. The lender's assumed payment rate is 3% of your debt. More about extending your term. Your guides to submitting business. - 41% have a joint account just for bills. Hello. Remortgaging. For intermediary use only. It’s worth talking to specialist. MCOB regulated post completion. Whatever your background or circumstances, we can help. The larger your deposit, the more likely it is that specialist lenders are likely to be more flexible on how long you’ve. Our guide talks you through how to find the best deal, where to look for a good mortgage broker and other key need-to-knows. The Financial Ombudsman Service's range is huge - covering areas most of us deal with in our daily lives. Our standard minimum age at the start of the term is 18 years old. We got a £90k mortgage with a CCJ. Insurance. How much can I borrow?We got a mortgage this time last year with a 10% deposit 1 satisfied CCJ for £250 from 2016 and one unsatisfied for £450 from 2014. By using our website you consent to all cookies in accordance with our. Incidentally, that does not mean if you have larger value CCJs you cannot get a mortgage, but you should expect to have to accept a lower LTV – say 65% to 75%. (NMB) is more than just a mortgage company. Our financial advice is geared to help you get a mortgage. As well as annuities, mutual funds, retirement plans and specialty health services. Sign in to your personal or business account here. Explore our comprehensive guide on securing a mortgage with a County Court Judgement (CCJ). 4% APR representative on loans between £7,500 and £25,000. Additional borrowing. ZIP code. e. Joint bank account use by couples (24,046 votes) Under-35s: - 21% have a joint bank account for everything. #ad #mortgage #createfinance Can I get a mortgage with a CCJ on my file? Will a County Court Judgement stop me getting a mortgage? In this video, Gindy and A. On Trustpilot, Nationwide has a rating of 1. Find out more about what to do if you receive a County Court claim form. Updated on November 24, 2023. Nationwide not only looks at the obvious credit history factors like your credit score and adverse payment history, including CCJs, missed payments and defaults. Regular savers earn 6% interest (HSBC, First Direct, M&S) Loans cost 2. The most recent ccj issued was in Feb 2020 and is unsatisfied to the value of £190. A CCJ will show on your credit file for six years from the date of the judgment. 5 Reliance on othersHere we will explain how a CCJ affects your mortgage chances and how to get on the property ladder if you have Bad Credit in Birmingham. " If you fall within this, you will get the standard rate on offer. "I really struggled to get a mortgage as I had a CCJ and buying a 145k house on my own. There are several other factors to consider when deciding if refinancing your home. This can only happen if the creditor has already got a county court judgment (CCJ) for your debt. If interest rates increase by 1% an additional €53. We’re a Fortune 100 company that offers a full range of insurance and financial services across the country. This fact sheet covers England & Wales . Nationwide Deposit Unlock mortgage. It’ll be more difficult as you’ll have fewer options available to you, but it’s not impossible. 99% Min. Why choose this provider? Robb McKinnon is a mortgage professional serving clients in the Fort Worth area. gov. Mortgage refinancing rates When refinancing your mortgage, you’re replacing your existing mortgage with a new mortgage. Mortgage Advances. 9% per year (Nationwide) = FREE money. Read and agree to the terms of the authorization agreement. Creditor takes money from your bank account. My partner and I are looking to buy our first home and we checked our credit scores on equifax. For debts which are still outstanding, the financial amount of the CCJ can also have an impact on how the application is viewed. However, as the buy to let property market continues to develop, more and more lenders are beginning to consider approving investors with CCJs; this. We are your trusted advisors, guiding you on your unique homeownership path. How long ago you were issued the CCJ is important, however, the length vs. hi there first post go easy,in need of some advice, recently come out of a 2 year fixed rate mortgage, the rate was low and lender have now put us on there…CCJ - 02/10/2019 £2385 (satisfied 6 months after) Default from HSBC (failed to pay) 2018 Salary £34k before OT Partners income 33k Just got approved for £400,000 mortgage after 2. Mortgage With Ccj. Not showing as being on the electoral roll. A CCJ is a judgment that’s registered against you in a County Court for failing to repay money that you owe. You will need different advice if you live in Scotland. Had your Nationwide Mortgage Application declined? Don’t worry. Total amount payable £11,661. First time landlords criteria. Having a CCJ on your credit file can make it harder to take out credit. A County Court judgement. Whether you're a first-time homebuyer, wanting to refinance your existing home or looking to upgrade to the home of your dreams, We have the solution to meet your needs. The rules can be used for some secured loans that were taken out before 21 March 2016 , contact us for advice. If you have a bad credit history that includes one or more CCJs it can be difficult to secure a mortgage. Refinance. A charging order basically comes with a document called a “charge document”. hello@createfinance. (NMB) is more than just a mortgage company. See more below for How the ombudsman can help you. For example, you could use it to explain why you fell behind with the repayments on a particular loan or credit agreement. When a creditor can apply for a charging order. Lenders want to understand if this is a one-off – perhaps you changed address and didn’t get the parking notices. Agribusiness login. 8 star rating on the App Store, based on over 564,500 reviews. 00. You can increase the length of your mortgage so you pay less each month. We’re the largest mortgage provider to offer 95% Loan to Value (LTV) mortgages without using the Government’s mortgage guarantee scheme. Finding a buy to let mortgage can be difficult at the best of times, and the process is made no easier if you have adverse credit or a CCJ registered against you. Getting a mortgage with a CCJ (county court judgement) on your credit record is possible with our Near Prime mortgages, as long as it meets our lending criteria. is an unsecured creditor (the debt is not secured against your home unlike a secured mortgage). Packaging guides. IT IS HEREBY AGREED by and between Nationwide, by its duly authorized officer, John D. Your lender likely lists interest rates as an annual figure, so you’ll need to divide by 12, for each month of the year. Nationwide Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 106078. FOR FREE! 033 0088 4407; WhatsApp Us; Main Menu. Read The Mortgage Works’ lending criteria for buy to let and let to buy mortgages. CCJs are generally taken into account in credit scoring however background details are required. uk. For accounts outside of the UK but within the EEA, one full month’s bank statement is required, showing the full. However, these reviews are based on all elements of the bank's business rather than. Mortgages are subject to underwriting and criteria. Wife is not currently working I earn 64k a year and wondering if any challenger banks would offer me a mortgage even if small at 150k. FHA loans offer advantages like low down payments as low as 3. Learn about our fees and charges. In other words, you. Here are some tips for getting a mortgage with a CCJ: Make sure you have a good credit score. Welcome To Nationwide Mortgage, Inc. pinkslide Posts: 16 Forumite. Having bad credit could, therefore, be a reason why your Nationwide mortgage application is declined. In this article we explain what a CCJ is, how to improve your chance of getting a mortgage if you have. If under £100, we can sometimes consider these, subject to passing our internal credit score. g. There is no limit to the value of the county court judgements so, as an example, if an applicant has a CCJ for £100,000 that remains unpaid, that case may still be accepted. However, if that is not possible, negotiate a favourable repayment plan with the lender and pay your instalments on time. If the CCJ is from Nov 2012 it will come off in Nov 2018. Future Home Loans is a mortgage refinancing company that serves clients in the Jacksonville area. To fill it in, you'll need to know: Your main income details. Skip to content. If you are looking to reduce or restructure your debt, track how your borrowing picture changes. Home; About Us; Meet the Team; Call Us On. The Benefits of a Nationwide Mortgage Switch. UK: 0345 609 25 30. To apply for a mortgage with any company, you would need to contact their representative to let them know. Pub, Restaurant Tip: Enter a postcode for a better match. Our mortgage calculators can help work out what you could be paying each month, how much we might lend you or how long it could take you to save for an average priced home in your chosen neighbourhood. However, the unsecured loan must be covered under the Consumer Credit Act for a charging order to be issued. It’s certainly possible to get a mortgage with a CCJ. Halifax mortgage lending criteria. Plus, our local expert Mortgage Bankers are committed to be with you every step of the way. 85 would be payable per month. Partners income £62,500 plus £22,000 bonusA CCJ will show on your credit file for six years from the date of the judgment. If we can do this successfully, we won't request to see any proofs. The average APR on a 15-year fixed-rate mortgage fell 1 basis point to 6. Niche. Faith Mortgage, LLC, is composed of NMLS licensed loan specialists with a combined experience of 30 years. Federal Housing & Administration. Monthly repayment £194. Teacher Sarah Arrowsmith and her fiancé Ross Tredger were poised to submit an offer on a home when she learned of the CCJ against her, The Mirror reported. Income and expenditure form and financial statement. 04% 2 Year Fixed . Whether you will be approved or not will come down to how long ago it was issued, whether it’s been settled, the debt amount and a few other factors. Any lender checking your credit report will see your statement and should take it into account when. The Team; Areas We Serve;Call 0808 189 2301 or make an enquiry online and we’ll pair you up with a mortgage expert who helps people who’ve been declined previously. Clark obtained a residential mortgage loan from Eagle Nationwide for the purpose of refinancing their home. It’s very unlikely you’ll be able to go to a high street bank and be approved for a mortgage. When submitting an application for lending greater than 85%. I need some advice, I recevied a CCJ in 2009 (due to my father not paying rent which i wasnt made aware of until it was too late) which I didnt pay off untill Jan 2012 (due only to be a silly young naive student!!), the payments where a minimum for a few years due to not earning alot at university, but I didnt managed to pay a lump sum off to finalise this. Monday to Friday, 8am to 6pm. 86. How to find a cheap mortgage. Why use uses? Whatever your situation, at OnlineMortgageAdvisor we know this everyone's circumstances are different. We make getting a homeowners insurance quote easy. Read The Mortgage Works’ lending criteria for buy to let and let to buy mortgages. - 56% have a joint account just for bills. Higher LTV criteria and top tips. 8 April 2021 at 10:06AM in Mortgages & endowments. uk. More mortgage lenders now than ever will consider applicants with adverse credit history, and your chances of approval are probably much higher than you may assume. Simply put, a legal charge on property is a document that converts your unsecured loan into a secured one. How to find a cheap mortgage. Skipton will accept CCJ's as follows: "County/High Court Judgements (CCJ) Maximum of 1 CCJ / max total value £500 - where latest CCJ registered within last 3 years. Can I Still Get a Mortgage If I Have a CCJ? If your CCJ appears to have been given to you falsely or you’ve paid the outstanding balance within 30 days, it might not make an appearance on your credit history. Enquire online or call us on 0203 725 5830. The date it was satisfied is also important; CCJs that were satisfied over six years ago are removed from. - 41% have a joint account just for bills. Only pay the interest on your mortgage for 6 months. 10/1 ARM refinance. You can click Start your quote above, call us at 1-877-669-6877 or find a local agent to get started. GameStop Moderna Pfizer Johnson & Johnson AstraZeneca Walgreens Best Buy Novavax SpaceX Tesla. Up to £1,000,000. So in that case, absolutely not, the Bankruptcy would not have been more detrimental to the OP than the CCJ. Any lender checking your credit report will see your statement and should take it into account when. We resolve debt conflict with cool heads, warm hearts and a safe pair of hands. Case in point, borrowers with a debt management plan are usually rejected outright after the underwriters' hard credit check. Failing that, you can still apply for a mortgage with a CCJ appearing in your credit history. My partner and I are looking to buy our first home and we checked our credit scores on equifax. Get Personalised Quote. Best Egg – Best for unsecured personal loans for debt consolidation. The NMLS test has 120 questions, with 115 of those questions being scored. Use this format: MM/DD/YYYY. Eubank, as President and owner of Nationwide, and counsel for the Federal Trade Commission that: 1. Nationwide Building Society reserves the right to collect from you any. Learn all you need to know about remortgaging with a CCJ. Utilities aren't really considered borrowing. Our customers range from; first-time buyers, buy-to-let investors, those looking to remortgage, or those looking to borrow additional funds secured against their existing property. Get Your Best Mortgage Deal. g. We will accept a maximum of four CCJs in the last three years as long as they were issued over 12 months ago and are either satisfied in full or have a total combined unsatisfied value. Be prepared to explain the CCJ to the lender. Date of birth. 10%. For any debt-related queries you’d like to discuss with us, please don’t hesitate to get in touch. Term. Settle or Reach a Repayment Agreement with the Lender or through the Court. Just wondering what are the. We make getting a homeowners insurance quote easy. You can also speak to one of our mortgage experts by calling us at 1-855-755-9533, option 6. Yes, you can get a mortgage with a CCJ. If the CCJ is registered more than 30 days. ∙ 10y ago. Nationwide does offer mortgages to people with certain types of bad credit, such as county court judgements (CCJs), but not necessarily with more. It’s nigh-on impossible to be approved for these with a CCJ. Registration is free and only needs a username and email address. Fully updated statistics are available. Capital raising to buy out co-owners share or partially repay equity loan. Most mortgages require you to put down at least a 5% deposit. However, Intermediaries should be aware of the additional criteria / guidance in this document. They must have. Buy to Let Mortgages with CCJ. However, with the kind of expert mortgage advice provided by CLS, all is not lost. Better to try after that. . If we can do this successfully, we won't request to see any proofs. I had over 50% of the sale price (once the 1 bed was sold). 6K comments Most recent: Lights on a timer by Netexporter Today at 12:24AM. Nationwide offers loans on homes bought through the Deposit Unlock scheme up to £750,000, available through mortgage brokers. Illustration Type = ESIS. Nationwide lenders provide competitive home loan products with second mortgages, refinance, debt consolidation, new home financing, FHA refinancing, hard money, jumbo and equity loans for homeowners with a complete range of credit types. Number of CCJs: having more than one (1) CCJ can severely limit mortgage options. Gareth. Business, Economics, and Finance. 20 years. Minimum mortgage term length of two years, maximum term length of 40 years. For our Track Record mortgage the minimum age is 21 at the time of application. Step 1 of 2. £362. Box 100100, Duluth, GA 30096-9377 Qualified. A Notice of Correction is a short statement which you can use to add further information to an entry on your credit report. Your deposit or loan amount. it had been paid by Nationwide. Id. i = your monthly interest rate. For interest only, the minimum income criteria is £75,000 for sole applicants or £. Looking to find a mortgage with a CCJ, but worried about a history of bad credit. If you’re applying for a mortgage with a CCJ registered more than years ago, the size could likely be limited to £2,500 if you’re borrowing up to 85% loan value, according to the Online Mortgage Advisor. 16 August 2020 at 7:09PM. Having multiple CCJs can also make it harder to get a mortgage. While it's likely that your deposit requirement will be. 8. It is still possible to be approved for a mortgage, albeit with less favourable terms. Email. FACT CHECKED. CALL US NOW 0121 4000 052. 8 years of CCJ & default. Tixy wrote: ». uk. However, as the buy to let property market continues to develop, more and more lenders are beginning to consider approving investors with CCJs; this. The Nationwide Mortgage Licensing System (NMLS) is a centralized online database that lists properly certified mortgage loan officers and lenders. LegalsWhen you can switch mortgage online. Mortgage Help. 85 would be payable per month. on a fixed rate mortgage deal with less than 6 months left. If the CCJ was registered within the last twelve months, then it should be a maximum of £1,000 for you to be considered for an 85% LTV mortgage. CryptoRemortgage with CCJ - Compare Remortgage with CCJ offers by calling 0117 403 4474 - Use our FREE Mortgage Calculator - Fixed Rate Remortgage Deals from 2, 3, 4 and 5 years - Top Remortgage with CCJ deals. £500 a month for Nationwide mortgages set up between 1 February 2001 and 28 May 2013. 73. Some consumers may be able to pay what they owe immediately or set up a satisfactory payment plan with the creditor. press@companieshouse. That's why we only work with experts brokers who has a. Additional income. Part of the global Pepper Group, Pepper Money is an award-winning UK-based specialist lender who takes a human approach to underwriting. If you’re concerned about making future payments, or you’ve already missed one, find out what we can offer you. Finding a buy to let mortgage can be difficult at the best of times, and the process is made no easier if you have adverse credit or a CCJ registered against you. Valuation criteria. For any debt-related queries you’d like to discuss with us, please don’t hesitate to get in touch. even when it’s a high loan-to-value (LTV), should find it a lot easier to source a mortgage. However getting a mortgage with a satisfied CCJ is not impossible and there are numerous other factors which will also affect your mortgage availability. Or 5. Acceptable deposit (sources) Acceptable Equity Share loan holders. You can consult a mortgage broker now who can advise, even if you are not yet ready to purchase. Repayment mortgages explained. Remortgaging. Forum Rules | Help. Our guide talks you through how to find the best deal, where to look for a good mortgage broker and other key need-to-knows. Also be sure to request any survey reports that were carried out, especially if an issue with the property led to this outcome. Both came. Your lender likely lists interest rates as an annual figure, so you’ll need to divide by 12, for each month of the year. Nationwide 90% Mortgage with 5-year-old CCJ. But a 100% mortgage means you don’t need to pay any money upfront to get a home. Besides the general eligibility and affordability criteria set by mortgage lenders, CCJs come with specific conditions: Date of the CCJ: The recency of the CCJ is a critical factor. Find out if a CCJ has been made against you. 6K discussions 732. "You have a. 4 out of 5. Step 1 of 2. 95% on a mortgage of €100,000 is €603. This capped the amount of money buyers could use from gifted deposits. Simply Adverse is a nationwide broker that provides a tried, tested, and successful service for connecting adverse credit mortgage lenders and CCJ mortgage lenders with people searching for first and second. Sub-categories: Water bills LPG, heating oil, solid & other fuels. Finding a buy to let mortgage can be difficult at the best of times, and the process is made no easier if you have adverse credit or a CCJ registered against you. O. NatWest mortgage customer reviews. Case in point, borrowers with a debt management plan are usually rejected outright after the underwriters' hard credit check. . My partner had a default for £900 in 2011, settled in 2103 and we complete on our house purchase this week. This was last August and things have obviously changed now but fingers crossed for you! Yes, it is possible to get a mortgage with a CCJ, but it can be more difficult than with a pristine credit report. As mortgage brokers assess each individual and their current circumstances, they use new criteria. Gain insights into the impact of a CCJ on your credit report,. . However, as the buy to let property market continues to develop, more and more lenders are beginning to consider approving investors with CCJs; this. 0 based on just over 4,000 reviews. The minimum amount of deposit you can expect to get approved for a mortgage with a CCJ is 10% of the property’s value, but if your CCJ was registered recently or is for a high amount, 25% is more realistic. In the past, people with poor credit and CCJs could secure bad credit mortgage or remortgage. According to customer review site Trustpilot, NatWest scores 1. It is an action your creditors can take in the debt collection process. They do not have. switching your existing deal. We did a MIP and it was successful, my worry is further down the line when Nationwide do the hard checks when its time to buy the property and do the mortgage application next year in Feb/March (By then the ccj in question will be 3 years old) will we be. 8. Your answer confirms my thoughts, it's just that the CCJ may prevent me going back into financial services work. Find out what works well at Nationwide Mortgage Bankers Inc from the people who know best. new Nationwide mortgage or you have 10 years or less remaining of the original term of this mortgage. An older CCJ may have less impact than a recent one, but with expert guidance, even recent CCJs can be managed. Nationwide, will only look at arrears that are a minimum of 6 months ago, however, you can’t have had more than 3 months of arrears in total. 09% with no fee. You could lose your home if you do not keep up payments on your mortgage. Find out more about how your clients' LTV affects their loan size. Age 35-49: - 37% have a joint bank account for everything. While it will be more difficult, there are a number of mortgage lenders in the UK that will consider borrowers with CCJs. Mortgage Application. 7100 Euclid Avenue Suite 250, Cleveland, OH 44103. Robb McKinnon. With a team of experienced Business Development Managers, located across England and Wales, we provide a dedicated service helping intermediaries place mortgages quickly and easily. CCJs-Will accept applicants after three years. For example, for a CCJ less than two years old, it’s likely to be more difficult to secure a mortgage if the CCJ was £2,500 or more. A recent CCJ can make a mortgage application harder. Our range of flexible mortgages are designed for all those with complex circumstances; for the entrepreneurs, the creatives, the self-employed and those on commission and bonuses. Please see the below tables for the type of income and proofs we accept. Popular loan to value percentages of TSB pensioner mortgages over 65, HSBC later life interest only mortgages over 70, Natwest interest only mortgages for people over 60, L&G equity release schemes for over 55’s, RBS mortgages for people over 55 and Nationwide BS pensioner mortgages over 55 are 45%, 55% and 65%. On Google Play. Mortgages & Homes. Why choose this provider? Sixth City Group is a mortgage firm that serves clients in Cleveland. This is subject to change depending on the lender’s criteria. 89%. Since the credit crunch and reform of the mortgage industry, lenders have been forced to become more responsible. Maximum of 2 CCJ's / max total value £2000 - where latest CCJ registered > 3 years ago. Forum. I wandered if a DMP would halt thye CCJ for 60 days and then as the other creditors are 83% of the debt Nationwide would have to go along with the majority. Ready Mortgage Lenders is a Miami-based business that has been in operation since 2013. NerdWallet UK website is a free service with no charge to the user. The credit card co. 00. Nationwide does offer mortgages to people with certain types of bad credit, such as county court judgements (CCJs), but others are a deal-breaker. You could be offered a different rate based on your personal circumstances. Navigate to Payment Preferences. Specialist Buy to Let Mortgage Broker. The bigger the deposit, the better access you’ll have to lower rates, and lower monthly payments. We offer mortgages if you're a first time buyer, moving home, remortgaging and more. Mortgage approval with a CCJ is possible with the right lender. Having a CCJ recorded on your credit report could affect your ability to get credit in the future, including your ability to find a mortgage. Find out how The Money Hub can help you today. 85% of market value. You don't need to borrow immediately and a credit file with no other occurrences will show it was a one off and can be put down to ignorance. If your creditor has taken court action against you for a debt, they may have got a county court judgment (CCJ) or other court order against you. credit score: 600 Loan term: 36 to 60 months Loan amount: $2,000 to $50,000 What to know: If you have a credit score of at least 600 and a personal annual income of more than $100,000, you may qualify for Best Egg’s lowest APR rates. Panic. We'll seek to validate your client's income using credit bureau information. Why choose this provider? Robb McKinnon is a mortgage professional serving clients in the Fort Worth area. is an unsecured creditor (the debt is not secured against your home unlike a secured mortgage). This means paying your bills on time and keeping your credit utilization low. Here are a last few things to keep in mind: Trying to get a mortgage with a very recent CCJ may be hard, unless you were able to pay it off within 30 days and remove it from your record. The Registry Trust operate the public Register of Judgments, Orders and Fines . You may get a county court judgment ( CCJ) or high court judgment if someone takes court action against you (saying you owe them money) and you do not respond. 3. And there could be further action taken to collect the debt. 7. If you can’t repay you can ask the court to change the regular payments or suspend the order. Wellness plans not available in all states. Call us. Get a quote online today. Get a copy of your credit report and dispute any errors. Welcome to Principality Intermediaries. Getting a mortgage. chelseablue Posts: 3,288 Forumite. Get what you need in the US Legal Forms library in PDF/DOCX format and reuse the template multiple times after downloading. However, to secure a good interest rate, most lenders will ask for a higher than usual deposit, typically 25% of the overall value of the property. Incidentally, that does not mean if you have larger value CCJs you cannot get a mortgage, but you should expect to have to accept a lower LTV – say 65% to 75%. The people you owe want to know your situation before. Make multiple mortgage applications in a short amount of time. There are lots of factors to a credit score. 4 High pressure sales: regulated mortgage contracts, home reversion plans and regulated sale and rent back agreements 2. If it’s very recent, in the last year, lenders would be looking for the figure to be less than £1000. 75% LTV Buy to Let Deal - Call now to secure; Overall cost for comparison 6. We handle nationwide collections, legal services and enforcement. This would typically include letters asking for payment, letters demanding payment and default notices, all of. Payment Address: Nationwide Mortgage Bankers, Inc. As an example Nationwide are really strict - they ask "Have you ever had a CCJ against you", so even trying to get round the 6 year limitation period. Nationwide Deposit Unlock mortgage. 1. We can’t accept any missed mortgage payments in the last three months, or mortgages more than one month in arrears in the last three years. Extend your mortgage term to lower your payments. In the future, you can apply for a new loan on another property.