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This ensures that you receive that best rates and products available in the market. … Better yet, see us in person! Facebook; LinkedIn; Youtube; Loan Options. We'd love to find the perfect solution to meet your needs. The Registered Agent on file for this company is Stacey A. Vickrey and is located at 313 Pinehurst Court, Valparaiso, IN 46383. Email Us. For lost or stolen cards call (800) 449-7728. Some people believe this will end up doubling your payment, but that’s not the case. Contact; About Affinity Mortgage Advisors. contact speak to an advisor: 01702 337 003. call me back ... affinity and beyond. COVID-19 Updates. All products. 1 check-in. Contact Affinity Group Mortgage today to find out what makes us stand out from the competition! You are more than welcomed to leave your contact info and we will be in touch shortly. 50% off (4 days ago) affinity real estate and mortgage coupon Code - 12/2020 (3 days ago) affinity real estate and mortgage coupon Code can offer you many choices to save money thanks to 25 active results.You can get the best discount of up to 50% off. First Name * Last Name * Email * Phone * Question . Yes, our secret is out. Affinity Mortgage is 5-Star and A+ rated. Affinity Home Mortgage, LLC. Contact us about your bill 0345 357 2402 Non-metered Accounts 0345 357 2401 Metered Accounts. Market based and objective advice. Phone Number Email. Name. Email* Send. Mary Foster has over 20 years of experience shepherding dreams of home ownership into realities. X. Lookup results: … Kathi Holtz. 2A, Bel Air, MD 21014 | 410-893-2360 | info@affinitymort.com Affinity Mortgage, LLC strives to ensure that its services are accessible to people with disabilities. 9134404522. The Registered Agent on file for this company is Dan Fullmer and is located at 5660 E Franklin Rd #311, Nampa, ID 83687. X Log In Sign Up. Read More. The idea to open their own independent brokerage was to give their clients access to a wider variety of products and be able to work put their client’s interests at the forefront. Read More. Contact Us; Welcome to Affinity Advisors Mortgage Broker of the Year 2018 & 2019 As voted for by the lenders. Your consent is not a condition of purchase. About Us. NMLS Consumer Access. Email: Send an email to the department of your choice. I have had a very pleasant experience dealing with the Team at Affinity Mortgage Solutions. At Affinity, our goal is to turn your dreams into reality! Overview. Visit us 6760 Corporate Dr #120 Colorado Springs, CO 80919 Call us (719) 425-2221 Contact us staff@affinitymb.cm By selecting Submit, you agree Wells Fargo Home Mortgage may call or text you at any phone number you provide during this online session, even if we use an autodialer to call or text you.If the phone number you provide is registered to a mobile device, your mobile carrier's charges may apply. 951 Worthington Woods Loop Rd. Phone: 01 6533120 Hours: Mon-Thu 9:00 am to 5:30 pm Friday 9:00 am to 5:00 pm ... Mortgage and Protection advisory service . Fax: Send us a fax at 908.860.3883: Mail P. 888-844-9888 USDA Loans. Calculate mortgage payments online. SEE PROFILE. Mortgage Loans. Login; Signup; Affinity Mortgage Locations & Hours near San Francisco. Home; Contact Us; Apply Now; More. Products Banking Personal Banking Business Banking Credit Cards IRAs Loans Business Loans Auto Loans Mortgages Home Equity Personal Loans Insurance Auto … Affinity Mortgage Solutions has a solution for every scenario! Affinity Mortgage Solutions Inc. was founded in 2018 by Hiren Patel & Vincent Sinnadurai after working with major banking institutions for decades. Dwight Howard NMLS 216134 Phone: 719-425-2221 CONTACT: CustomerService@AffinityGroupMortgage.com Affinity Mortgage, LLC strives to ensure that its services are accessible to people with disabilities. Team is very competent and service oriented and goes the extra mile to find the suitable mortgage options for their clients. Investment Kiwisaver Mortgage Insurance. Mortgage Brokers in San Mateo, California. Registered in England and Wales. ForLocations, The World's Best For Store Locations and Hours. Affinity mortgage agents pride themselves on transparency, timeliness and diligence to make your transaction as smooth as possible. Mortgage Specialist NMLS#: 562569. Connect With Us. Marilyn Allena. Get Quote Call (818) 636-9933 Get directions WhatsApp (818) 636-9933 Message (818) 636-9933 Contact Us Find Table Make Appointment Place Order View Menu. Mortgage Specialist NMLS#: 2711591. SEE PROFILE. For those clients with special needs or circumstances, our experience enables us to show you the steps you need to take to get you there. © 2018 Affinity Mortgage Corp. | 336 S. Main St., Ste. tools you need to. 951 Worthington Woods Loop Worthington, OH 43085 (614) 505-5533. Mortgage Calculator. I am ready to get started with my no obligation loan consultation! Join Affinity. Simply put: We are good people who do great loans. Edit 3 Affinity Mortgage - Glen Rock 9994 Susquehanna Trail South, Glen Rock PA 17327 Phone Number: (717) 227-2526. Company number: 4565235 2233 Santa Clara Ave. Alameda, CA 94501. You are more than welcomed to leave your contact info and we will be in touch shortly. Affinity Mortgage. Facebook Linkedin Phone Number Email. Home; Purchase; Refinance; Calculators; Resources . Affinity is a mortgage broker, an insurance adviser, a commercial loans expert but more than this, we’re a great bunch of people. Roger Teel. 50% off (3 days ago) Affinity Real Estate And Mortgage Coupon. Choose the solution with the terms that work best for you. Find contact's direct phone number, email address, work history, and more. Community See All. Contact the business for more information about recent service changes. Welcome to your next mortgage! LETS GET STARTED. Five ways a Reverse Mortgage can improve the quality of your life. Columbus, OH 43085 (614) 505-5533. is an Indiana Domestic Limited-Liability Company filed on April 5, 2004. Contact; SecureFinancial. > You make all the decisions! Connect With Us. 123 Weymouth Ct Alameda, California 94502 Phone: 510-748-4458 Fax: 510-748-4437 NMLS: 289854 CA Bureau of Real Estate #01168540 www.nmlsconsumeraccess.org Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. Fixed Rate Mortgage; FHA Home Loan ; … Apply now or contact us to see how we can help. Affinity Mortgage Solutions professionals work for you – not the lender! Affinity Mortgage. Become a Member to Edit this Listing Create a PhoneLookup Account Have a PhoneLookup.com Account? Become a Member to Edit this Listing Create a PhoneLookup Account Have a PhoneLookup.com Account? Apply for loans, lines of credit or mortgages ; Apply or inquire about your Affinity Mastercard ® Get technical support for our self-serve and digital channels, including password resets; Make general inquiries such as account balances and stop payments; Open investment products, i.e. At Affinity we work through different interest rate scenarios in the future to ensure your mortgage is always at a level where if interest rates increased you can afford it. We help hundreds into their first homes, new homes and investment properties every year. Email Us. Life is a journey... what will. Together, they have created a variety of solutions for every scenario! Select your loan amount, answer a few questions and get your lowest eligible rates instantly. You can achieve your financial goals. Contact; Facebook. ofanother? Affinity Mortgage Solutions Inc. was founded in 2018 by Hiren Patel & Vincent Sinnadurai after working with major banking institutions for decades. Edit. Experience the advice and. Jumbo Loans. Home; Interest Rates; Apply Now . Visit us 6760 Corporate Dr #120 Colorado Springs, CO 80919 Call us (719) 425-2221 Contact us staff@affinitymb.cm (614) 505-5533, 909 Pole Lane Road Suite 3 At Affinity, Mary brings a strong background in real estate and the financing of both purchase and refinance transactions. 410-893-2360. Eileen Horan VP of Mortgage Lending at Guaranteed Rate Affinity . Save. 951 Worthington Woods Loop Rd. Phone Number Email. Apply Now Contact Us . The idea to open their own independent brokerage was to give their clients access to a wider variety of products and be able to work put their client’s interests at the forefront. Affinity Mortgage Solutions works for you not the lender! Login Here. Over the course of his career, he has assisted close to 400 clients purchase and refinance their homes in New Jersey and throughout the country. Do you have specific questions or comments regarding your Affinity mortgage? When you place an order on the Affinity store, we send over a request to your issuing bank for either a $0 or a $1 authorisation (different banks permit different amounts) to verify that the card is issued, and the bank will allow it to be authorised. I am an Authorised Financial Adviser with over 25 years of lending experience. Connect With Us. Affinity Mortgage opening times and Affinity Mortgage locations along with phone number and map with driving directions. Connect with Affinity Mortgage Centre at Whitehorse Road, Box Hill, VIC. MENU. The Registered Agent on file for this company is Neang Cheng and is located at 1349 Kisap Ct Nw, Salem, OR 97304. The company's filing status is listed as Inactive and its File Number is 867003-91. Affinity Mortgage. Mortgage Specialist NMLS#: 525331 . Business Details. Your money goes straight to your bank account via direct deposit. ForLocations, ... 30 Great Road, Acton MA 01720 Phone Number: (978) 371-1475. Marion, OH 43302 United States Mary M. Foster. Learn how to build a strong business credit score, so you can grow your business. Unclaimed. With a wealth of knowledge and experience through many financial climates Hiren and Vince have chosen to share their expertise with their team members and public to increase mortgage literacy. Banks assess their loans differently, and some have the ability to commit more of a client’s income towards a mortgage repayment. Outstanding service and professionalism shown and they worked hard to get me the best deals possible! Welcome. Instagram. Registered Office: 10-12 Oxford Street, Daventry, Northants, NN11 4AD. Do you have specific questions or comments regarding your Affinity mortgage? He worked directly with our Financial Planner to get as much of the information as he could without us having to lift a finger. (740) 375-5626, CustomerService@AffinityGroupMortgage.com, Affinity Group Mortgage is a local financial partner, serving the lending needs of real estate professionals, builders and individual home buyers throughout the State of Ohio, 951 Worthington Woods Loop Rd. Learn More & Contact. Affinity Mortgage is located in Windsor, CA and can be reached at: 707-837-7600. X Log In Sign Up. Begin by logging in on the website to access your account online. Freedom. Learn More & Contact. Facebook Linkedin Phone Number Email. Phone. Claim your business to immediately update business information, track page views, and more! Registered in England no: 7992688 with address: 539-543 London Road, Westcliff-on … What is the routing number for Affinity Plus FCU? Daniel Tripodi comes to Affinity with a background of nearly 15 years in mortgage financing. Affinity offers the complete mortgage advisory service tailored to meet our client's specific requirements . The affinity mortgage team delivered everything that they promised and more! Company NMLS: 1709793. SEE PROFILE. Affinity Mortgage is an Oregon Assumed Business Name filed on July 2, 2012. Please use the contact form below if you have any general questions or requests about our services. Affinity Mortgage Solutions Inc. was founded in 2018 by Hiren Patel & Vincent Sinnadurai after working with major banking institutions for decades. Affinity Mortgage Corporation maintains a strong and genuine belief in the “customer for life” principle of doing business. Thank you for your interest in our company. 10 reviews of Chris Johnson - Affinity Mortgage "We recently re-financed our house with Chris Johnson and it was an absolute pleasure. We will try our best to respond back to you within 24 hours. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority. Usually means having. Affinity Mortgage Coupon Code. Phone lookup Phone lookup +1. Always Open. The idea to open their own independent brokerage was to give their clients access to a wider variety of products and be able to work put their client’s interests at the forefront. Will definitely recommend it to anyone looking for a competitive mortgage rate. 2A, Bel Air, MD 21014 | 410-893-2360 | info@affinitymort.com 800.325.0808 Schedule an Appointment Events & Seminars. Speak with a member advisor during business hours at (800) 322-7228. Affinity Mortgage Solutions has a solution for every scenario! For suspected fraud alerts call (888) 918-7313. I highly recommend them for your mortgage needs. Get more information on Affinity Mortgage by viewing our in-depth profile. BBB accredited since 4/23/2008. Your Affinity Mortgage. Fax. Includes Affinity Mortgage Reviews, maps & directions to Affinity Mortgage in Nampa and more from Yahoo US Local Guaranteed Rate Affinity Company NMLS - 1598647 Arizona Mortgage Banker License #0941440 Operating in the state of New York as GR Affinity, LLC in lieu of the legal name Guaranteed Rate Affinity, LLC. Your one-stop shop for Real Estate & Mortgage Training. less. Commercial & Construction Mortgages Solutions, Second Mortgages & Private Fund Solutions, How to build a better business credit score, 5 essential factors to consider when buying a house. Thank you Vincent and the affinity team. info@affinitymort.com. Columbus, OH 43085, Five ways to make the loan process go faster. Trust: Clients can trust that every member of … or. Contact Us. HOURS: Monday-Friday, from 9 a.m – 5 p.m. Affinity Mortgage Corporation maintains a strong and genuine belief in the “customer for life” principle of doing business. Tweet; Share; Share; Email; About Us. Contact a Mortgage Loan Officer. achieve your. Affinity Home Mortgage, LLC 3420 E. Shea Blvd., Suite 200, Phoenix, AZ 85028, us Robert D. Morris (NMLS: 176701 ) Mortgage Broker/Owner (602) 953-5301 Office (602) 980-9400 Cell Start an Application; Resume an Application ; Requested Documents; Loan Programs; Calculators & Tools . Opening Times; Hours may fluctuate. 410-893-2391. Claim This Business. Contact Info: Affinity Mortgage Phone: 510-748-4458 Fax: 510-748-4437 123 Weymouth Ct Alameda, California 94502. 100's of 5-Star Reviews. Mary Foster has over 20 years of experience shepherding dreams of home ownership into realities. Affinity Group Mortgage is a local financial partner, serving the lending needs of real estate professionals, builders and individual home buyers throughout the State of Ohio. Through it all he and his team have communicated exceptionally well (as a business owner obtaining a home loan is not as just sending in a W2) and put my wife and I at ease. Fields marked with an * are required. 10/10. Affinity Home Mortgage, LLC Affinity Home Mortgage, LLC Affinity Home Mortgage, LLC. Refinancing. SEE PROFILE. Reena did a wonderful job of handling my purchase. We think you will agree. Anthony Leahy. Marion Office. Customer Support Needing personal assistance from the credit union? Read More. Drop us a line! 141 people like this. Advanced Search: By Name. Welcome to Affinity Mortgage. Please select from any of the following methods to contact us. Welcome to Affinity Mortgage Brokers. 909 Pole Lane Road Suite 3 Marion, OH 43302 United States (740) 375-5626. A great mortgage starts here. View Rick Lombardo's business profile as Vice President, Mortgage Lending at Guaranteed Rate Affinity. Phone Number. Conventional Loans. Open today until 6:00 PM. Affinity Mortgage, LLC has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence. Advanced Search: By Name. Name Email * Subject Body * Email. Then, using our significant expertise and market knowledge, endeavour to secure the most favourable and suitable product available to you. Affinity Mortgage Chicago IL locations, hours, phone number, map and driving directions. Customer Reviews. With over 60 lenders to choose from there is a product available for every situation. So what is important to you? P. 888-844-9888 We’re a close-knit team of finance professionals that take pride in getting to know you, understanding your needs and finding the best possible product for you. Find business, government and residential phone numbers, addresses & more on the White Pages® Products & Services . Affinity Mortgage is located in Glen Rock, PA and can be reached at: 717-227-2526. If you are a human and are seeing this field, please leave it blank. Darren Geddes. All Courses ONLINE EXAM PREP – MASTERY LEVEL COURSE - PASS THE EXAM THE FIRST TIME!! Arizona Mortgage Banker License #0941440 Operating in the state of New York as GR Affinity, LLC in lieu of the legal name Guaranteed Rate Affinity, LLC. We can help you every step of the way. Mortgage Glossary; Loan Process; FAQs; About Us; Contact Us; Conventional Loans Conventional … The communication was always timely and thorough throughout the entire process. (39) 4.5 average rating 151 Lessons $260.00. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority. View Michael McFarland's business profile as Underwriter at Guaranteed Rate Affinity. Reverse Mortgage a way for homeowners, 62 and over, to access equity they have in their homes . ADDRESS: Polaris Office. Contact a Mortgage Loan Officer. Reena Visani was a pleasure to work with. Contact the CU from the website or call (651) 291-3700. Affinity Mortgage is A+ Rated by the Better Business Bureau. Distance: 5,291.85 km . About See All. Not Now. Contact Us. We’re here to serve you! Richard Lynard at Guaranteed Rate Affinity in Towson, reviews by real people. See BBB rating, reviews, complaints, request a quote & more. Log In. Understand how mortgage works to avoid losses from your investment, information about the mortgage update. Affinity Mortgage is 5-Star Rated. Get more information on Affinity Mortgage by viewing our in-depth profile. Affinity Mortgages Ltd is authorised and regulated by the Financial Conduct Authority FCA No. goals. Worthington, OH 43085 Mary M. Foster. Email Us. Location & Hours. Connect With Us. Facebook Linkedin Phone Number Email Website. Welcome to the official site of Affinity Mortgage, LLC. It's not easy pulling all that information together and tracking things down. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements. Is Bill Pay available? Affinity Mortgage hours and Affinity Mortgage locations along with phone number and map with driving directions. Not only were they reliable and efficient, but they were transparent and honest with their work which is a rare find. Affinity Group Mortgage is a local financial partner, serving the lending needs of real estate professionals, builders and individual home buyers throughout the State of Ohio Company NMLS: 1709793 Contact Us 149 people follow this. Call Us at 510-748-4458. Products Banking Personal Banking Business Banking Credit Cards IRAs Loans Business Loans Auto Loans Mortgages Home Equity Personal Loans Insurance Auto … 1900 Polaris Parkway Suite 450 Columbus, Ohio 43240 (614) 505-5533. Add Photo. Join Affinity. Sandra Spence . Get Started Now! We are committed to saving you time and money. Is this your business? Welcome to your next mortgage. I found Affinity Mortgage Solutions to be helpful from the start of my relationship with the company. Opening Hours: Mon-Fri 8am to 6pm - Saturday 8am to 2pm . Home; Contact Us; Apply Now; Contact Us. Phone Number. © 2018 Affinity Mortgage Corp. | 336 S. Main St., Ste. We’re here to serve you! Read More . Affinity Mortgage, Inc. is an Oregon Domestic Business Corporation filed on August 4, 1997. Affinity Group Mortgage. She provided updates and was available to answer any of my questions or concerns. Find contact's direct phone number, email address, work history, and more. Mortgage, refinance, debt consolidation, and other home loan services offered by Affinity Mortgage in California. 598756. Some types of finance such as bridging, development, commercial and buy to let mortgages may not be regulated by the Financial Conduct Authority. Our Services. Let us help you today, FREE. Affinity Group Mortgage is a local financial partner, serving the lending needs of real estate professionals, builders and individual home buyers throughout the State of Ohio. Affinity Mortgage Services, L.L.C. You'll enjoy it way more. Affinity Home Loans Inc. Mortgage Broker in Glendale. 50% off (17 days ago) affinity mortgage coupon code. Mortgage Banker in Lenexa, KS. Contact Us. You will be contacted by a certified Affinity Mortgage Solutions agent to answer all your questions and concerns. Affinity Online Courses. Members have the ability to pay bills online. 800.325.0808 Schedule an Appointment Events & Seminars. Monday-Friday, from 9 a.m. – 5 p.m. Reaching us is easy: Call us at (614) 505-5533 and speak with one of our mortgage bankers. Affinity Mortgage, LLC Accessibility Statement General. Starting a business is both exciting and challenging. Affinity Mortgage Solutions Ltd is an appointed representative of PRIMIS Mortgage Network. Check it out Today! Guaranteed Rate Affinity NMLS: 1598647 1800 W. Larchmont Ave., Chicago, IL 60613. Share. yourjourney. Login; Signup; Affinity Mortgage Chicago - Hours & Locations. Credit Repair. Contact Us. We will respond within 48 hours or two business days. I highly recommend working with her. 4 reviews of John Moony - Guaranteed Rate Affinity "John has been there for my family during the purchase of our first home as a married couple, a refinance as rates fell and the purchase of my parents' retirement home. ForLocations, The World's Best For Store Locations and Hours. Affinity Mortgage is 5-Star Rated on Google and Zillow. Schedule a meeting. Wanting more of one thing. Consider the option of lowering your interest rate and changing your mortgage from a 30 year to a 15 year. We suggest moving this party over to a full size window. Company NMLS: 1709793. Posted on May 30, 2020. Credit Waiting Periods • • #foreclosure #short-sale #bankruptcy #charge-off #mortgage #chapyer7 #chapter13 . Write a Review. contact us Have questions? Your Affinity Mortgage. And for other card issues call (800) 654-7728. Mortgage Specialist … Affinity Mortgage Solutions Ltd is an appointed representative of PRIMIS Mortgage Network. Address. Guaranteed Rate Affinity is a mortgage lender. The company's filing status is listed as Inactive and its File Number is 588224-88. Share This. Check it out Today! As always, we care about your financial future, so let’s explore this option if you feel it could be a fit. Regardless of whether or not the authorisation is declined, we revers… Phone lookup Phone lookup +1. VA Loans. With nearly 25 years of experience in mortgage loans, we can meet every financial need you may have and answer all of your questions in the process. Find Affinity Mortgage in Nampa with Address, Phone number from Yahoo US Local. Yelp is a fun and easy way to find, recommend and talk about what’s great and not so great in Towson and beyond. Affinity Mortgage Solutions consolidates all your commercial needs! This means the chance of higher loan approval if with the right bank. Saturday, from 9 a.m. – 1 p.m. 951 Worthington Woods Loop Phone: Call our Member Service Center at 800.325.0808: TTY/TDD: Members using auxiliary aides and services like TTY/TDD devices are encouraged to contact us via our TTY number, 908.860.3991. contact us Have questions? Buying a property can be complex with financing being the defining factor in your transaction, especially in today’s market. Whether you are looking for a quick access to funds to renovate your home, pay for your children’s education, emergency purposes or making investments a Homeline may suit a variety of needs. Read More. Home; Contact Us; Apply Now (602) 953-5301. Click below to choose from one of our most popular courses or contact us at 800-991-6097 Ext 2 or email me at artricia@affinityreservices.com to help you … See more of Eileen Horan VP of Mortgage Lending at Guaranteed Rate Affinity on Facebook. We help you be desciplined and make it happen. Affinity Mortgages Ltd is authorised and regulated by the Financial Conduct Authority FCA No. Forgot account? The company's filing status is listed as Admin Dissolved and its File Number is 2004040600255. Registered in England no: 7992688 with address: 539-543 London Road, Westcliff-on-Sea, Essex, SS0 9LJ. We love our customers, so feel free to visit during normal business hours. Columbus, OH 43085 (614) 505-5533. Learn More & Contact. Contact Us. Bill & account enquiries . Loan Programs; Loan Process; Mortgage Basics; Online Forms; FAQ; About; Contact; Blog; Apply Now; Our secret is out. Mortgage Brokers Edit. Affinity Mortgage Corporation has refinancing loans available that can allow you to meet a variety of needs, such as: ... Find out now by applying now or by having a mortgage consultant contact you! So you feel on top of the world. Updates. Mr.Tarang Patel from Affinity Mortgage solutions was very friendly, professional and knowledgeable. 598756. Our guarantee is to firstly understand your unique and individual requirements. Manage your account online; Pay online; Tell us you're moving; Set up a Direct Debit; Sign up for paperless billing; Low income tariff; Search our faqs; Water supply enquiries. Contact Us. Contact Affinity Mortgage. We help you with every step along the way, building a lifetime of comfort around your financial security. Create New Account. 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Phone numbers, addresses & more on the White Pages® BBB accredited since 4/23/2008 communication was always and..., Northants, NN11 4AD Lending at Guaranteed Rate Affinity NMLS: 1598647 1800 W. Larchmont Ave. Chicago! Money goes straight to your bank Account via direct deposit 357 2401 Metered Accounts the business more..., the World 's best for Store Locations and hours is 2004040600255 Mortgage `` we recently re-financed house... And efficient, but they were transparent and honest with their work which is authorised and regulated by Financial! In touch shortly below if you have any general questions or requests our. With our Financial Planner to get started with my No obligation loan consultation: Mail Affinity Mortgage Locations along phone. Pages® BBB accredited since 4/23/2008 available for every situation this Listing Create a PhoneLookup Account have a Account... Application ; Requested Documents ; loan process ; FAQs ; about us authorised Financial Adviser over. 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