Cash Advances – Are They More Seamless Than Ever?

We are all fallible and subject to imperfections that we usually have little control of altogether! One minute we think we’re doing alright and the next, we are strapped for cash like never before. Sure you’ve been there, right?

What is coming in in terms of money is simply not enough to suffice when all the expenditures ‘come a knocking’! Cash advances are sometimes referred to as a short term ‘safety net’ whereby utilizing your next payday the leverage or basis for the transaction.

It can allow you to catch your breath long enough to ‘put out any fires’ that tend to smolder in the distance. This concept is far from new and until just recently, has been fully perfected in the online financial environments. The internet lenders are more seamless than ever and much less ‘choppy’ than your local pawnshop or cash advance store down the road.

You major benefits are savings! What do you save? Time is one of the primary goals people look to achieve in terms of savings. This is done with many 1 hour advance lenders who have practically the quickest turn around times lending cash on earth!

In addition, you don’t have to spend any money on gas getting there or risking you physical health in route. This can be huge if you don’t live near a payday loan store anywhere. Cash advanced in an online capacity shields your privacy more readily than any physical lender could do for you; because at that point, your identity and what your there for, is exposed.

Turn around times are fabulous and only getting better as well as overall costs associated. Therefore, it is an excellent time now(if your inclined) to obtain a fast cash advance via a highly reputable lender on the web!

What to Expect From a Bespoke Internet Marketing Service

What would you expect from a company that promises a bespoke, tailor made, Internet Marketing Service for your business? You’d expect something that had a slightly individual feel to it I think! Bespoke or package; the elements are very broadly similar. As a business you will know your market reasonably well following your market research. This should be followed up by very focussed keyword research. Once levels of competition and user intent are understood, it is possible to look at your existing website and identify it’s strengths and weaknesses in terms of ranking for identified and desirable keywords. With a new website you have the opportunity to map its design around the keywords that really give you a chance to compete, right from day one. In the modern era of internet marketing it is also necessary for almost all serious online companies to get engaged with social media to raise their profile. In detail the recommended process is set out below.

Initial Data Gathering and Keyword Research

A solid starting point needs to be established so that the success of each part of a tailored SEO project can be judged and strategies adjusted, to ensure that a client website attains and then remains on the first page of any Search Engine’s Results Page. The recommended steps would be.

Part 1 Establishing Your website’s Current Optimisation Status

a)Google Analytics (or your own solution) review:

It is essential to understand how much web traffic has already been arriving at your business website, the sources of that traffic and the actions that visitors have taken on landing. Google Analytics or your own analytics solution will give a clear picture of where you currently stand and areas that need to be developed.

b)Keyword Research:

Frequently neglected… and even more often misunderstood. This aspect, of all Internet marketing strategies, is critical when companies move their resources online. Keywords represent the questions asked by your customers and prospects; so your online presence must play to what people are searching for: i.e. your landing page must provide the best answer to their questions. Establishing the keywords that are used to search for your services and products, plus the ability to gauge the competitiveness of each; allows the next step of the process to be much more targeted than with our standard packages.

c) Website SEO Review:

Your SEO company will carry out a thorough review of your existing on-page and off-page optimisation. In plain English, the on page factors include such things as: ensuring all your header tags use the appropriate keywords; ensuring page titles reflect content and keywords: ascertaining the degree to which the content of each page is relevant to your business activities and that it is relevant to those keywords. Part of the that review will assess your webpages for accessibility via mobile devices and tablets.

Off page factors to be reviewed include: the number and quality of the backlinks that point to your domain and the individual pages of your website. They will also assess the quality and optimisation of Google places listings and map listings in other search engines, as well as determining your company’s visibility in business and other relevant directory listings around the web.

This will be presented as either a text report or frequently these days, a screen video report, if you prefer.

Part 2 Improving Your Rankings and Getting Top Google Placements.

Using the information gleaned in the previous research, your consultants will help you develop a strategy tailored to your website, your business and your best customers. The business of optimising your online presence and then making you more visible to your ideal prospects rarely brings instant results. Search engine optimisation needs to be an ongoing process: it’s a bit like keeping the garden watered. Like most gardens this needs a significant chunk of work up front and then regular maintenance for best results. SEOs and the search engines have a strange symbiosis. This results in the search engine algorithms constantly being tweaked so that SEO companies are, quite rightly, prevented from completely gaming Google. The constant tweaks by the search engines, the ever-changing competition and frequent changes in legal frameworks result in a situation where, once front page rank has been obtained, it needs constant maintenance.

Part 3. Social Media Management Strategy

Business ignores the world of social media at its peril. There are so many success stories rooted in the successful application of social media sharing that it is no longer a NEW thing. Facebook with its 500 million regularly and active members, online for over an hour a day, is the most obvious and well documented marketplace. Google spokesman Matt Cutts has let it be known to the SEO community that the Google algorithm is now taking more notice of the signals provided by Twitter, Facebook and the other social networks that identify the trustworthiness and engagement of companies, characters and organisations with their customers. Social media now provide huge leverage for your reputation management, word-of-mouth recommendation and as a source of traffic to your website. The plethora of social platforms and microblogging sites; added to the interconnectedness of many of them leads to the possibility of a huge viral effect of the most favourable kind for your business. Businesses know well that the best form of advertising is word-of-mouth from satisfied customers: Facebook, Twitter and LinkedIn are the 21st-century word-of-mouth channels. They are now, a crucial aspect of any Internet marketing strategy whether your company is purely online or a traditional bricks and mortar enterprise.

Internet marketing service companies are able to assist your company in developing a coherent strategy to raise your profile and promote your brand to your target market. The bespoke aspect is down to the way in which the consulting company will adjust their approach to the subtly different dynamics of each customer group, developing a truly individual presence on the web.

Top 10 Internet Marketing Trends for 2011

The dawn of 2011 gives us the perfect opportunity to predict the top 10 internet marketing trends for the upcoming year. The 90’s was the decade of the internet, and since then we have seen new layers, tools, and worlds built on top of the world wide web.

Social networks dominated the past decade, apps came on top of that, and 2011 will bring even more areas of digital interaction and communication.

And just to have some fun for the holidays, I decided to turn them into some of the cheesiest puns and rhymes ever assembled in a blog post. If you can’t stand the rhymes, I’ve put a real title right next to them.

So here’s my take on the top 10 trends (in order) for internet marketing in 2011.

(1) No more game layer naysayers (The sculpting of the “game layer”)

Seth Priebatsch, the founder of SCVNGR, plans to build a “game layer” on top of the world. Things like rewards programs, board games, social games and check-ins have all come to make up the idea behind a game layer.

This game layer is a way to influence consumer behavior, by turning everything into a game. Wherever you go, whatever you buy will be built into a sort-of game dynamic that will reward you in multiple ways.

This game layer will be the most important trend to watch in internet marketing in 2011, as companies like SCVNGR and Four Square become a bigger part of the consumer process.

(2) Even more apps perhaps (Mobile apps continue to “suburbanize” the internet)

The internet has been compared to the wild wild west with its initial lawlessness and quick expansion. With the introduction of apps, the internet is being tamed into smaller communities – suburbanizing the internet in a way.

Jeff Cormier (Examiner.com) wrote an article today about how mobile apps are projected to experience 60% growth by 2014. In addition, revenue from mobile apps will increase from $4.9 billion this year, to $35 billion by 2014, according to an IDC report.

So we will see even more apps in 2011. Apps mark the beginning of the taming of the internet into organized mobile programs, and 2011 will continue this trend.

(3) All bets off, all Groupon (Downward pricing pressures on SMBs from Groupon-like sites)

As Groupon continues to roll out sites for more and more cities across the country, the “group coupon” phenomenon continues to sweep the web.

Thousands of other coupon sites have also popped up. I Am Hungry, for example, offers restaurant deals around your area. With apps for Facebook and mobile devices, these types of sites are spreading like wildfire.

We are almost at the point with all of these sites that you could always get a meal at half price. For 2011, look for the Groupon and I Am Hungry-type sites to put downward pricing pressure on small service businesses (especially restaurants).

(4) Online privacy issues and miscues (Online privacy becomes a huge issue/opportunity)

Access to data is an essential part of the idea behind Web 2.0. Having up-to-date information on people is the key to targeting search results, advertising, and offers. However, when will this go too far? 2011.

The Federal Trade Commission just released a report this month about protecting consumer privacy. This movement covers an idea to implement a “Do Not Track” program for consumers. This would be a technology that would allow consumers to tell websites to not track their activities and information.

As this movement plays out, look for online privacy to be a huge part of the web in 2011.

(5) Boob Tube out, YouTube in (Increase in online video marketing)

Faster internet connections, easy share capabilities, better video search, link integration, and YouTube channels – these all point to an even bigger emphasis on video marketing. A video going viral is the dream of every marketer, and it’s easier to make those videos and easier to have them spread.

Pew Internet Research says that 7 in 10 adult internet users have used the internet to watch or download a video. In addition, videos can help increase search rankings and have a major impact on SEO.

With all of these factors coming together, online video marketing will become mainstream in 2011.

(6) Local becomes focal for search engines (More emphasis on local search)

Over the last few months of 2010, we’ve seen local results take a bigger role in Google SERPs (search engine results pages). Tools like Google Places and Yahoo! Local make it easier for businesses to gain exposure for their certain keywords and now have placed more importance on those listings.

By incorporating Google Tags into Google Places and offering statistical insights for your place listing, Google is telling small businesses that local search will become even more important in 2011. This makes sense considering that the goal of a search engine is to deliver the best results for each search. What good would a plumber in Seattle do for a homeowner in Boston?

(7) 2011 Twitter: More litter, less glitter (Major change in the Twitter model)

A San Francisco Chronicle article came out today revealing statistics about Twitter. As the article states, Only 8% of American adults use Twitter and less than 1/4 of those users are “heavy” Twitter users.

Twitter’s goal to become the world’s largest media company, therefore, is too far out of reach.

It seems that Twitter has been most successful in the celebrity-realm, as people can get an insight into the lives of their favorites stars. The celebrity element, however, is not mainstream enough for Twitter to survive solely on that niche and its goal to become THE media outlet seems out of reach. So where does Twitter go from here?

Well, we’ve seen the introduction of “promoted tweets” and the new Twitter profile in 2010.

What does 2011 hold for Twitter? I am predicting declining participation rates on Twitter, more dead profiles, and potentially a serious change to make money and increase participation.

(8) HTML5 goes live (The release of HTML5 and its impact)

HTML5 is currently under development by the Web Hypertext Application Technology Working Group. The latest HTML revision will make it easier to incorporate multimedia into websites.

The impact on SEO will be interesting to follow in 2011. The new <> tag, for example, will make it easier to segment new posts for online periodicals like blogs and online magazines. Search engines will most likely place either more or different emphasis on these sorts of tags.

(9) Online communities = new opportunities (Market Research continues to change)

Typical market research reports are generated over a long period of time and result in 1000 pages of somewhat outdated data. Online communities are a newer way to conduct real-time market research from a group of about 200-500 consumers that represent the target market for that specific brand. These people will answer key questions and discuss certain topics associated with a product before it launches, for example.

Companies like Communispace and MindGauge allow brands to gather consumer insight quickly. MindGauge’s website describes the difference between traditional market research and online communities by saying, “Rather than an independent source gathering information, respective managers will begin to integrate the community into all components of their projects.”

Although this powerful insight tool has been around for awhile, we are predicting that more dollars will be devoted towards this kind of tool in 2011.

(10) The cloud starts to reign (Cloud Computing continues to spread)

Although “the cloud” does not really fall under internet marketing, its impact on agility for sales forces and IT departments is undeniable, so it found its way into the top ten. The days of building custom-made business apps and soft
ware are gone with companies like salesforce.com. Cloud computing allows businesses of all sizes to get better systems up and running, faster and cheaper than custom-built software.

For 2011, even more clunky and expensive IT systems will be scrapped for the cloud and collaboration will be brought everywhere through mobile devices.

2011 should be the fastest year in internet marketing. Many more trends will occur that could change the landscape of internet marketing for businesses of all sizes.

What do you see as the biggest trend for 2011?

3 Tips For a Budget Holiday Road Trip

Looking for budget travel plans for your next long weekend holiday? A road trip might be your best shot!

1. Rented cars is the most economical solution for road trips.

Car rental companies normally offer a variety of ‘holiday car rental’ packages for holiday travelers to select from. These packages have to be affordable for travelers who are on budget and also wants to have a free & easy driving holiday.

Holiday car rental has been appealing to seasoned travelers and lately has attracted younger travelers that want to explore places that are less travelled. Competitive holiday car rental rates help travelers to save money and enable them to go to places less-travelled where ordinary holiday travelers are unable to explore.

With the advent of intra-Asia travel, holiday car rental will continue to grow as it offers the benefit of leisure travel at individual pace. As a result, many rental companies are aggressively marketing their holiday car rental program to meet the discerning needs of travelers. Several rental companies have seen double digit growth and demand continue to increase for this segment of the business.

2. Plan your route wisely. Use Google Map or GPS Navigation.

A traditional way of planning your driving route is to purchase a printed map from a bookstore. Today, it is a lot more convenient to just route your journey on Google Map, then just print out the map with specific driving directions. But for the adventurous travelers, a GPS navigation system is their best choice. And more than often, a GPS Navigator is included in your rented car for just a little extra money.

3. Travel packages for overnight trips – Low cost and safety.

If you are planning an overnight stay, then you should check with your rental company for any travel packages available. Many do offer competitive travel packages to attract budget holiday travelers. Working closely with travel agencies, they are able to offer special rates on hotels, motels and inns, which sometimes also provide occupants with complimentary breakfast.

It is also usually safer to go with the hotels, motels or inns associated with your rental company. Their relationships with your rental company should indicate that they meet a certain quality standard and are more trustworthy.

Internet Marketing – New Trends in an Evolving Industry

Over the years internet marketing has been evolving from the
Efforts of the first marketers. Trends in the past have seen
marketers placed ads on talk forums, classified sites, in emails
and where ever they could find potential customers.

Some of these actions led to the introduction of changes from
Within the internet marketing community and from without.
An example of a change from within the community is the banning
Of ads on all forums and relegating them to only the signature file.

An example of a change from outside the community it the Can Spam
Law, which was introduced by the USA government to prevent the sending
Of unsolicited emails. This has done much to reduce the problems of
Spam; further to this from within the community we have seen programs
Which filter emails based on the words used in the headlines and in
The body of the emails.

What all these methods have done is fueled the evolution of internet
Marketing. Now marketers are using double opt-in techniques to
Comply with the Can Spam Law, they are using Tele-seminars to
Reach their target market. They are using SEO, search engine optimization,
To reach clients who are using the search engines to look for products
And services.

As we can see the evolution of internet marketing has been fueled from
Numerous sides, the government, the internet community, the internet
Service providers and the customers themselves.

Well my fellow entrepreneur the internet marketing industry is undergoing
another major evolutionary shift fueled this time by the customers.
October, 2006 was the apex of this change which has been building for awhile.

Over the months subscribers to the various mailing lists have been receiving
Emails on a daily basis promoting one new product launch or another. In
some cases some of us have received 2 or 3 emails promoting the same new
product launch. This activity reached it breaking point in October when there
were several product launches in the same day and we received up to a dozen
duplicate emails for the launch of new products.

The end result is that, there were a large number of un-subscribed requests to
The various mailing lists owners, many gurus saw their profits dropped
Dramatically from previous launches.

Currently we are sitting on the verge of a new era in marketing, an era in which
The consumers are helping to create what they consume. This new direction
Presents many opportunities for consumers and marketers. Download this
Free report at the URL below to learn more about how you can profit from
this new trend in internet marketing. http://5kpermonth.blogspot.com

Effects of stress

Do you have problems with anxiety or stress?You must know all effects of stress. Stress isn’t some thing that isn’t important and if you think that it is you will be in trouble. Stress can result on your healthy and that is very bad. You can have problem with healthy because you didn’t rid of your problems and stress.
Usually when you have stress your heart beats faster you are upset and you increase blood pressure.
But more about that below. There are lot of advices and effects that I will explain to you below
1.You have to think that you will relief stress and he will gone. That isn’t so hard. Just relax and think on better stuffs and don’t say that you have problems with stress anymore and forgot about them. There are much stress reliefs techniques that you can choose and help yourself. Choose what is best for you and enjoy. You will see that is very helpful.
2.Also you maybe think that when you drink alcohol or smoke cigarets you help to relief stress. But that isn’t good. You can become depend from cigarets or alcohol and that will produce more stress,depression and problems. So you have to find the healthier ways and reliefs techniques to rid of stress.
3.I already said that you must find the best relief technique for you. That is very important because it isn’t your body exactly same like with some other man or woman. That is important because not everyone experience stress in the same way.
4.You probably don’t know but stress can result on your physical look. That mean that you can look older than you are and I know that anyone want that. So relax you wont do anything if you think just on your problems.
5.You can help in reducing stress if you change some your usually things that you do. For change you can start do exercises or take a diet. That will motivate you and you will feel better. Maybe your stress is reduced by some bad things that you do and change them if you think that they aren’t good.

The Commercial Real Estate Outlook for Agents and Realtors in 2012

The commercial property year has well and truly started, and in most locations formed some common trends and patterns. If you are a commercial agent it pays for you to read the patterns in the marketplace and use them for the opportunity they provide. Property change and churn factors are active in most markets. They are an opportunity in waiting.

These are some of the common trends that most agents are seeing:

  1. Sellers are now adjusting their prices to suit the real property market and the existing levels of enquiry
  2. Buyers are fewer and taking longer to make a decision. Some buyers are looking for bargains.
  3. Finance is still tougher to get and the banks remain selective and diligent in the provision of a mortgage to buyers.
  4. Tenants are out looking for better premises at more favourable rents
  5. Developers are not doing much unless they can see a significant demand for a certain property type
  6. Developers are finding in many cases that the set up and construction costs for the new developments is out of balance with the achievable sale prices

Taking these things on-board, it is the agent that works both the leasing and the selling market that catches more opportunity. You have to be versatile.

As this article is being written it is the start of the second quarter of the 2012 calendar year; it is commonly the time where more listings and deals occur leading up to the change of financial year.

Right now is the right time to push your marketing and networking to the fullest. Sellers and Landlords that need help with property this year are typically planning that process right now.

So the best ways forward if you are an agent is to build a solid prospecting and cold calling model that is relentless in its process and drive. You have 8 months of the year to make the commissions that you need. Now is the time to get moving on this as it takes about 3 months of real effort before the conversions and listings start to appear.

Should you list everything that comes your way? Probably not, given that the market and buyers or tenants are so selective currently. It is better to choose the properties to list that are realistically priced or rented. You only have a certain amount of time to apply to your listed properties, and on that basis they should be the properties that offer the most realistic chance of selling or renting.

On one final note, it is appropriate to look at your listing strategy and decide if you should be taking open listings or just exclusive listings. In the case of exclusive listings, you have control of the property for a definite period of time and you can do more in marketing. In simple terms and in most cases exclusive listings sell faster and at a better price than openly listed properties. Make the right choices here.

The Travel Career in nursing and it is Advantages

There are quite a bit of profession prospects accessible to nurses today. Nurses can be found in various medical areas a variety of medical establishments for instance hospitals, schools, government, medical clinics, nursing homes, administration, plus more. One sort of nursing job that may be now being chosen by more nurses because several positive aspects will be the travel career in nursing.

A travel nurse is usually a nurse who goes toward areas everywhere over the nation and works for a medical facility for any set specific time. These nurses are replacement workers for nurses who’re away for reasons like if they’re on the holiday to have an extended period of time. Since the nursing positions are temporary, the employer will be expecting a nurse who does not have for being trained or supervised.

As a travel nurse, you require some important qualifications. You will need to be considered a licensed nurse that completed the nursing program from a certified school for nursing. It’s also advisable to been employed by being a nurse for the year or higher. Employers rely on travel nurses to be prepared to leap into work can be with the necessity for supervision or much training. To obtain a job as a travel nurse, most nurses will join a nurse recruiting agency.

A nurse recruiting company assists employers in the healthcare industry hire travel nurses to temporarily replace nurse on leave. Upon joining a staffing company, every one of the specifics of the nurse such as qualifications is set up a database. When an employer requests a nurse for the short term job vacancy, the agency will quickly realize the proper nurse to complete the job. The agency will help make a phone interview between the employer and nurse, assist the nurse with pay for it for travel, get the right nursing licenses, and help with finding suitable housing. A nursing staffing company could also offer courses to help keep nursing skills and knowledge on issues within the medical industry.

You can find nurse staffing agencies that provide nurses to employers needing temporary workers. As effectively, a travel nurse in most cases obtain compensation for travel relates expenses. There can also be a housing compensation and medical insurance benefits. Using a travel nursing career, flexibility is really a benefit as a nurse can choose the type of work assignment that meets the requirements and preferences. They even have a holiday between work assignments. As nicely, this can be a fun and lucrative way to see the country. If a nurse isn’t ready for any full-time career available as one place, travel nursing is a superb choice.

Nursing travel jobs tends to make a lucrative income because these nurses need to be experienced and ready to travel and begin work competently the first day. For nurses trying to travel as well as a great living, the travel nursing profession may be the solution. They also receive the good thing about working in different medical environments and experience new places. When nurses attempt this kind of career, they soon discover travel nursing is often a rewarding and lucrative career.

Three Reasons to Hire a Car on Your Holidays

If you are planning to arrange transportation in Portugal, then you will find many options for you. However, the best transportation medium is to have car hire in Portugal. Of course, you can get other public and private transport option, but in most of the situation you will find that you are doing the best deal by going for car hire in Portugal. So, let’s see the three most common reasons why you should go for car rental in Portugal.

  • You will get best deals in terms of cost: Car rental is better if you have a travel plan spanning over different spots of city. For example, you are a tourist or have come for visiting places like coast lines at Algarve or different spots in Lisbon or Faro; then a car hire in Portugal make sense. Instead of taking different vehicles from one spot to another, a car rental for the required stretch of distance or time will give you economical advantage. Some times car hire companies will have different discounts or package for different tourist spots, too. This may depend on the seasons, when the passengers going for car rental in Portugal may be less. So, watch out for these discounts and it will prove to be a best deal for you. In case, you are a local there also, a car hire in Portugal will offer a relatively economic option for you, especially in case you are looking out for convenience too.
  • It provides a real comfort: Car rental is always very comfortable as compared to other public and private transport. The same way car hire in Portugal will take care about your comfort, while traveling. It is spacious and you need not worry about luggage too. It sees about your own comfort, all because of the reason that it has been hired personally for you. This makes a very economical comfortable option for you.
  • Takes care about your urgency, time schedule, etc: One of the reasons why people prefer for car hire in Portugal and elsewhere also is because of convenience with regard to your time schedule and plan. For example, while traveling you needs to stop over somewhere for shopping for a bit more time, you are free to do that without worrying for you being getting delayed. In case, you are planning to go for airport quickly, you can easily do so by taking an alternative way, if the main road has some traffic jam. In case of Portugal, you will always like to do that seeing all the scenic spots you will find at Algarve beach or stunning places at Faro.

Quick Finance – Caveat Loans And Bridging Finance

Short term loans help people lessen their immediate money troubles, because of increasing everyday expenses and no sufficient income to meet the requirements. These loans by and large come in a shape of payday loans, in that you can obtain immediate cash with the settlement time between two and three weeks. Lots of lenders in Australia offer their service online that let you submit an application for the finance, 24 hours a day and 7 days a week.

If you need fast money, then a caveat loan, short term loan or bridging finance from any Australian finance Centre can help.

Caveat loans

Fundamentally, caveat loans are all about when lenders offer the borrower fast money, in return for their property as defense for the finance.

The submission of applications for these loans is extremely quick, and it is likely to be short term from approximately one month to four months. Usually the borrower can get the money inside 24 hours after the request has been launched, and in the majority of cases, having a bad credit documentation does not have an effect on your possibility of successfully achieving it. In other words, these loans are finance for property.

The reason caveat loans are provided for assets is since the borrower have to secure an asset against it, and the majority of the time, the assets consists of realty properties or vehicles, as other kinds of assets are usually not acknowledged to be a defense for such loans.

Bridging Finance

By explanation, Bridging Finance is a short-term loan used to buy business property.

This is something that can come in very helpful, conditional on your particular circumstances. There are two major points that you need to think about before you choose a Bridging Finance package, your wants and the condition of the property market.

One of the main benefits of Bridging Finance is that it will let you close on a property and buy a new property before you get rid of your existing one. You will need to assess your present situation to decide if your wants give good reason for taking on this sort of finance.

Paying off your Bridging Loan at the ending of the term usually depends on your capacity to sell your existing property. If it is not sold in the obligatory time, then you will have to pay the existing loan on your present property, your new property and the newly transformed Bridge Finance, too. If you think that this might be the likelihood then be sure to take a package that can be changed to business Loans if the need comes up. Or else, you might have to come up with the complete finance amount at the conclusion of the funding time.