omers calculator. Service in the OMERS Plan In the OMERS Plan, there are two types of service. omers calculator

 
 Service in the OMERS Plan In the OMERS Plan, there are two types of serviceomers calculator  You may be able to beat them elsewhere

m. All you need is your OMERS seven-digit reference number from your welcome package, the last three digits of your social insurance number and your date of birth. The cash contributions can only be done on a monthly basis of $250 or $115 biweekly basis maximum. 54% times $60,000 is $5,700/year. Mortgage. The union has been calling for an independent and transparent review of OMERS, led by worker and employer sponsors, since OMERS made public its 2020 results showing a return of -2. If you have already joined OPTrust Select and want an estimate of your future. As it stands today, OMERS members can retire early if: They have worked for. The OMERS bridge benefit continues to be paid to age 65 even if you start your CPP pension before age 65. Unauthorized login and use of e-access is prohibited. You can get a rough estimate of your benefits by using an online pension buyback calculator such as this one for HOOPP. Located under My Calculators in your myOMERS account, the Retirement Planner will help you to estimate the income you will receive from your OMERS defined benefit pension when you retire. The proration of your pension must be calculated in accordance with the OMERS Plan text, which sets out the proration factors below. The money you set aside from every paycheque is matched by your employer, and we carefully invest it in high-quality assets, diversified around the world, to meet the pension promise of a secure. Examples: If you retire on March 1, your coverage will end at 11:59 p. The results of this calculator should not be relied upon for determining career and/or tax decisions. OMERS Investments Appreciate in Worst Market Environment since 2008 Financial Crisis. EN. 7 billion as. i moved to a new job which was not OMERS friendly so i had to put my OMERS. 89%, so OMERS pensions increased by 1. Use different calculators for members - contribution type RCA = 0 if 2x contribution costs applies Yes 27 biweekly pay periods 53 weekly pay periods (Please. 49999999999994. OMERS Survivor Benefits. English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian česk. Further, the Contribute a steady amount to your AVC account at OMERS (assuming an annual salary of $50,000 to $100,000) Contribute $5,500 annually into each of your TFSA account as savings permits. SUMMARY. Your pensionable service is used to determine your eligibility for pension. Your submissions must be completed though e-correspondence in e-access. 6% by more than $9 billion. Use the Canada Revenue Agency’s deductions online calculator to calculate the amount of your deductions. 344. While the Amortization Calculator can serve as a basic tool for most, if not all, amortization calculations, there are other calculators available on this website that are more specifically geared for common amortization calculations. 0 our total is 7. 30 years from now, your salary might be much higher and you’ll reap the benefits in your pension. 14. I am anticipating my overtime cheque to be around $25000 take home paid out in december 2019 ($12k kitchen reno, $3k fun money. At 65, OMERS will subtract what's called the bridge benefit (bump when you're not getting CPP). The Asia Pacific region, including India and Australia, is a major market for the fund, comprising 10% of. Personal amounts. 7. The Actuarial Cost Estimator uses the data you enter to estimate the cost of a service purchase. Only the member can designate or change a beneficiary. Remember, inflation protection increases OMERS retirement, disability and survivor pensions each year, based on the increase in the Consumer Price Index (CPI), as follows: Benefits earned on or before December 31, 2022 receive full inflation protection, up to a maximum increase of 6%. It will only affect pension contributions after a certain date. It lowered an annual employee earnings cap, introduced a lifetime cap and, in 2019, cut investment professionals’ share of deal profits to five per cent on investments where OMERS was the majority investor and 2. 30 years from now, your salary might be much higher and you’ll reap the benefits in your pension. OMERS. Over the 12. 40 + 2,982. This calculator will help you understand the factors that can affect your Canada Pension Plan (CPP) or Quebec Pension Plan (QPP). On contributory earnings over CPP earnings limit*. 18, 2022 (GLOBE NEWSWIRE) -- OMERS generated a net investment return of -0. If you’re a mathematician, here’s the typical formula to calculate commuted value: PV = FV/ (1 + k)^n. In this test, any employee contributions to the plan that exceed 50% of the CV value can be considered excess contributions. OMERS, the defined benefit pension plan for municipal sector employees in the province of Ontario, generated a 2022 investment return of 4. Contributions Calculator OMERS 2023 Contributions Calculator . 2%, net of expenses, adding $4. Attention! Your ePaper is waiting for publication! By publishing your document, the content will be optimally indexed by Google via AI and sorted into the right category for over 500 million ePaper readers on YUMPU. Option 3 - transfer OMERS into new employers. Pension Adjustment Calculator. Webinars. Learn more about myOMERS. 30 cup 1 omer = 9. Based on 65, you would contribute 9% of your earnings up to the CPP limit (64,900 this year) and 14. The federal personal amounts for 2021 are: Federal personal amounts; Annual net income ($) From – To Basic Personal amount, Spouse or common-law partner amount and Amount for an eligible dependant ($)Data center in Europe, US, Asia: real dedicated servers and DDOS protection. Take 2 minutes to get your results. As this exceeds the 6% maximum, pensions will increase in January 2023 by 6% and the 0. * Required. The Basal Metabolic Rate (BMR) Calculator estimates your basal metabolic rate—the amount of energy expended while at rest in a neutrally temperate environment, and in a post-absorptive state (meaning that the digestive system is inactive, which requires about 12 hours of fasting). British Columbia tax calculator. Earnings above $61,600. Tax is withheld at the following rates: For payments up to $5,000 – the withholding rate is 10%. The omer refers to the 49-day period between the second night of Passover (Pesach) and the holiday of Shavuot. 27/F in Ontario, work as a public servant and have a defined benefit pension with OMERS. 54 -- 9. If your normal retirement age (NRA) Tooltip changes from 60 to 65:. Does that makes sense?Retired OMERS members reported higher life satisfaction than the non-OMERS members who do not have a pension plan. Option 1 - keep pension with Omers, payable 2055. $19,609. Net assets totaled $124. , a member terminates or reaches 35 years of service). Considers the effects of a lump sum or monthly payouts, single-life or joint and survivor payouts. We calculate your pension based on your years of service and the average of your five highest years of salary. If you need help identifying your plan, view the List of Employer and Plan Names. OMERS reports a good start to 2023. An ordinal variable is one in which the values have a natural order (e. The mole is defined as the amount of a substance that contains the same number of particles (atoms, molecules, or ions) as there are in 12 grams of carbon-12. In regards to returns, OMERS returns are ok but among the worst of the large pension plans. ) Pension Cap on annualized earnings Identification (optional) Employee Name (optional) For part-time, seasonal and contract employees, please email [email protected] Tax Breakdown For Ontario, Canada. nl. Since some ancient terms varied by area, we have differentiated Greek and Hebrew measurements. 50, 50. You may also make a tax-deferred transfer of the cash refund to your RRSP. 06, 2023 (GLOBE NEWSWIRE) -- OMERS, one of Canada's largest defined benefit pension plans, is acquiring a 5% indirect stake in Maple Leaf Sports & Entertainment ("MLSE";) for US$400. 26000. My Calculators in their myOMERS account. Topics include: Maximize Your Retirement Income. Metric Units. Top Canadian pension fund The Ontario Municipal Employees Retirement System (Omers) is expecting to add up to C$12 billion ($9. Media Contact. If your pension started in February 2022, your 2023 increase would be 5. He will receive the average. Enter the employment earnings as they will appear on Box 14 of the T4 slip to calculate the 2023 pension adjustment (PA). Service in the OMERS Plan In the OMERS Plan, there are two types of service. $68,500 Estimates Provided by FINEPOINT SOLUTIONS INC. The federal personal amounts for 2021 are: Federal personal amounts; Annual net income ($) From – To Basic Personal amount, Spouse or common-law partner amount and Amount for an eligible dependant ($)Data center in Europe, US, Asia: real dedicated servers and DDOS protection. The money you set aside from every paycheque is matched by your employer, and we carefully invest it in high-quality assets, diversified around the world, to meet the pension promise of a secure retirement. 12 bushels (25 dry gal. Somers’ D, short for Somers’ Delta, is a measure of the strength and direction of the association between an ordinal dependent variable and an ordinal independent variable. OMERS Private Equity, the private equity investment arm of OMERS, the defined benefit pension plan for municipal employees in the Province of Ontario, Canada, has entered into an agreement with. Paladin Security - 180 Jobs . I think around 11-13 percent of my income is automatically saved (no option to lower) and my employer matches this. You still receive 2% on the amount of your best 5 >= YMPE (~$55K). Calculating your pension. Pensionable service means the complete or partial years of service credited to you at retirement. 2751. Common types of service you can buy back include a waiting period to join a plan, a parental. 2751. 2 OMERS Fund Performance Although past performance is not an indicator of future results, looking at a 10-year period: • An investment of $50 each month ($600 a year or $6,000. My Calculators. OMERS generated a net investment return of 3. Sales Tax Rate. 2400 Fax: + 1 416. The Estimator can calculate your monthly pension payment, survivorship options and GPS one-time payments and bonus service. That means that your net pay will be $49,934 per year, or $4,161 per month. OMERS Private Equity manages investments globally on behalf of OMERS, one of Canada’s largest defined benefit pension plans, with C$121 billion in net assets as at December 31, 2021, including. Reply PrestigiousNeat8753. On contributory earnings over CPP earnings limit*. 2022. OMERS said it is about 86 per cent funded and expects the deficit to be eliminated gradually over the next 10 to 15 years. 9 billion of investment income to the Plan. British Columbia tax calculator. Your lifetime pension is calculated using: The accrual rate (multiplier) for your member group. 40. Acknowledging this, we use this Highlights section to report on the five pillars of our strategy: our funded status, investment results, plan design, member engagement activities and operations. This is often referred to as a “small pension”. In Canada each province and territory has its own provincial income tax rates besides federal tax rates. The longer you contribute or the more you purchase, the bigger your pension. 15. 325% + 0. This Policy sets out funding objectives and identifies risk factors and risk management mechanisms to deliver on the pension promise. Using the OTPP calculation as an example, let’s say you’re an education member that earned an average of $75,000 in your. So, If your DB pension pays $2,000 per month, that CV pension value is worth about $360,000. Chemistry. 8 billion, during the six-month period from January 1 to June 30, 2023. Determining the size of your potential lump sum pension payment is. Investment Rate of Return* (between 0. Request a costing. In addition, as outlined in Attachment 4, many of the City's agencies and corporations are also OMERS employers. In addition, we strongly recommend that you consult with a financial advisor at your own expense, to assist you in evaluating your options under. $23,850 ÷ 12 months = $1,987. 4%, or a loss of $0. 428571428565. Plan formula: 1. Beginning Contribution Age* (between 2 and 99 years) years. 4%, or a loss of $0. caEmployer contributions. To obtain benefit estimates under the public service pension plan, you can access the Web Compensation Web Applications (available on Government of Canada network only)—Pension calculator. 14. ago. 30 cupScenario Calculation Totals; Age: 60 Average annual salary: $95,000 Pension credit: 15 years Average YMPE: $64,366. 64900. CPP and OAS payments will be adjusted upward in 2024 based on inflation, likely in the 3-5% range. So, If your DB pension pays $2,000 per month, that CV pension value is worth about $360,000. Thanks for the reply, your correct about the 1. OAS clawback threshold is going up over 7% to $93,208 for 2024. The YMPE is the highest level of salary on which Canada Pension Plan contributions can be made. Ecology. Symbolab is the best step by step calculator for a wide range of math problems, from basic arithmetic to advanced calculus and linear algebra. $500 per month from OAS is the equivalent of $90,000. If you make $70,000 a year living in the region of Ontario, Canada, you will be taxed $20,066. (A separation agreement is a form of domestic contract. OMERS right to receive royalty payments is based on net sales of the product beginning in July 2023 through June 2032, with total payments capped at 1. TORONTO, Aug. In this fact sheet, we refer to the OMERS Primary Pension Plan as the “OMERS Plan,” and we refer to the fund for the OMERS Primary Pension Plan as the “OMERS Fund” or “Fund. 7 billion — after reporting a net investment return of 15. Member's earning's $50,000 and the YMPE for the year is $38,300. Nicehash support: dedicated port (100% compatible with Nicehash stratum). 272 kg. OMERS Private Equity manages investments globally on behalf of OMERS, one of Canada’s largest defined benefit pension plans, with C$121 billion in net assets as at December 31, 2021, including. If the PA is for 2018 or earlier, you can use this tool. , divide the annual contribution figure by 365 days, or 366 days in leap years). Related Statistics Calculators. 2 per cent for 2022 as gains in its private investments lifted its results even as global stock and bond markets. This pension: is guaranteed for life (it does not stop if your spouse remarries); For every $1,000 earned per month in payments, that CV (Commuted Value) pension is likely worth ~ $180,000 in present value dollars. CONTRIBUTION RATES FOR 2021. *BUT*, HOOPP provides indexing at 75% of CPI and OMERS provides 100% indexing. Survivor pension. 3 x 30 = 90. 369. For example, if you reach 100k salary at end of career, your pension will be 60k for life. With myOMERS you can: print your T4A (retired members only); update your contact information; send a secure message to OMERS; update or designate a beneficiary; go paperless; view your pension information;OMERS is the investment manager for the pension fund of Ontario’s municipal workers, with 559,000 members and over 1,000 participating employers (ranging from large cities to local agencies). lifetime pension, annually 2,488. The offset is $1,000 until the end of 1996. 7:15 is 7. The Ontario Municipal Employees’ Retirement System (OMERS) serves a total active and retired membership of over 500 000 and over 1000 employers. The indexing of public service pension plan benefits is governed by two pieces of legislation; the Public Service Superannuation Act (PSSA) and the Supplementary Retirement Benefits Act (SRBA). TORONTO, Aug. View the base salary, stock, and bonus breakdowns for OMERS Private Equity's total compensation packages. 3% of final average earnings up to the Year's Maximum Pensionable Earnings (YMPE) and 2% of earnings above the YMPE. For example, last year the price of goods and services went up by 1. If the period between now and February 2023 could be repeated many times, the average 2023 projected prices would be near $6. 16, 2023 (GLOBE NEWSWIRE) -- OMERS generated a net investment return of 3. Bridge benefits and turning 65. If you choose to transfer the commuted value to a personal LIRA, under the Income Tax Act. My Calculators in their myOMERS account. Combined Total. In 2023, beginning with the first pay period in January, your annual contributions are: 8. Pension Lifetime Monthly Benefit. At that point, OMERS would advise the municipality of the rules regarding participation by their councillors. The overall limit applies to total retirement savings in registered. OMERs = 2% x credited years of service x highest paid 60 consecutive months. 7%, equivalent to $16. Over the 12 months ended June 30, 2023, the Plan earned a net investment return of 7. Your total pensionable service is the sum of your periods of current service, service that has been bought back and service transferred through a Pension Transfer Agreement. 12 (1) The total amount of the contributions payable to any of the OMERS pension plans by an employer for a year must equal the total amount of the contributions payable to the pension plan for the year by the employer’s employees. 7% of overall contributions paid to OMERS. 99 / 207. Your OMERS pension can grow into an important financial asset and. We are committed to delivering strong results and excellent service. Changes to early retirement provisions. Use this auto loan calculator when comparing available rates to estimate what your car loan will really cost, minus additional fees that lenders may enforce. Page 1 of 2. 2. Estimate your retirement income. 350. They always have the option of cranking up the contribution rates of the current subscribers to meet their present obligations, so as long as the number of employees in. Overview. Yes you can contribute per pay up to a limit (slightly less than your rrsp limit) and you can transfer as much as you want from your rrsp to the AVC. Some plans will offer a variety of options ranging from a single life pension payable only during your life to a joint & survivor pension payable after your death ranging from 50-100% of the. Any excess is carried forward so it can be used in later. When you leave your OMERS employer, we're here to help you through the process. That means that your net pay will be $49,934 per year, or $4,161 per month. Each of the three calculations allows the option to input a custom figure as COLA. g. OMERS salary trends based on salaries posted anonymously by OMERS employees. If your DB pension pays $3,000 per month, the CV pension value could be close to $540,000. Add the figures calculated in Steps 1 and 2 to calculate the annual contribution amount. 25 to the 7. com. The estimate shows a projected retirement allowance based on the information entered for the Unmodified Option only. Below there is simple income tax calculator for every Canadian province and territory. 2 billion. OMERS is unable to calculate a termination. The Ontario Municipal Employees’ Retirement System (OMERS) serves a total active and retired membership of over 500 000 and over 1000 employers. Option 2 - Not applicable as my new employer isn't an Omers employer. 7%, net of expenses, which equates to $16. The money you set aside from every paycheque is. Omers pension . Pension Adjustments (PAs) 2011 - omers . To find out how much it may cost you to buy back past service, you can request. Summary. 624 bushels (5 dry gal. Share. 64900. OMERS pension income provides peace of mind. Report the pension adjustment in Box 52 and the IPP registration number in Box 50 of the T4 slip. 67 Pension before age 65: 2. 8% *The CPP earnings limit is also called the Year’s Maximum Pensionable Earnings (YMPE). 350. Current Age* (between 1 and 99 years) years. We also served our 541,000 members, who span five generations, exceptionally well, achieving a 93% member satisfaction rating based on your feedback. Use our free mortgage calculator to estimate your monthly mortgage payments. OMERS provides two different disability benefits if you meet the applicable definition of totally disabled Tooltip under the terms of the OMERS Plan: (1) a disability waiver and (2) a disability pension. This calculator will help you understand the factors that can affect your Canada Pension Plan (CPP) or Quebec Pension Plan (QPP). 139 calculators. While this is a very simplistic approach it helps people to understand the value of pensions, government benefits and other streams of. 54 -- 9. The Date Calculator adds or subtracts days, weeks, months and years from a given date. HST. 428571428565 344. 66600. Use caution when prescribing opioids at any dosage, and prescribe the lowest effective dose. Average Compensation. 2023. The cost to purchase the leave period will depend on the type of leave you take. 00 = $7,910. 24 bushels (50 dry gal. They should have a calculator. Report of the Human Resources Committee and Compensation Discussion & Analysis. Ontario Teachers’ is a defined benefit pension plan. 75) Step 4: Specify the Member's Final Average Monthly. 16, 2023 (GLOBE NEWSWIRE) -- OMERS generated a net investment return of 3. OMERS pension income provides peace of mind. Conversion. caIf you die after you have started receiving an OPTrust pension, under the current terms of the Plan, your eligible spouse or eligible child (for as long as the child is eligible) will receive a survivor pension based on 60%* of the pension you were receiving when you died. With myOMERS you can: print your T4A (retired members only); update your contact information; send a secure message to OMERS; update or designate a beneficiary; go paperless; view your pension information; Wordpowerandsound • 7 mo. Based on the pension reduction calculated in STEP 2, the member's pension will be. $775,000 can be transferred to a LIRA, balance in cash. As an OMERS member, you have access to your pension information in your secure myOMERS account. 2% On contributory earnings over CPP earnings limit* 15. 50, 50. Having a defined benefit pension means you can expect a predictable monthly income for life. Information about the OMERS Sponsors Corporation can be found here:. 97 calculators. 71. O. 55%), to $14,065. OMERS has a PA calculator on their website; it's an excel template for you to input your own information in. 31, up from $120. It is filled out using the example of Henrik, who is planning for his retirement. Normal retirement age 60 members. OMERS Head Office - 100 Adelaide Street W, 21st Floor, Toronto, ON M5H 0E2. In chemistry, a mole is a unit of measurement that is used to express the amount of a substance. Read Article. Plan formula: 1. No concern about. 0% of your best five average x years of service. Events in 2020 were dominated by the COVID-19. 15 minutes times 1 hour per 60 minutes will make the conversion to hours and minutes will cancel out. 7% of overall contributions paid to OMERS. You'll need to convert the minutes part to hours. When our members retire, they receive regular pension payments that. the total of all payments in the calendar year was more than $500; you deducted tax from any payment; You have to prepare a T4A slip for a subscriber if any RESP accumulated. The employer groups making the proposal said in a note that the because of the funding deficit, “contribution rates are currently at an all-time high putting a significant strain on members and their employers, at a time. *BUT*, HOOPP provides indexing at 75% of CPI and OMERS provides 100% indexing. Therefore, average variable costs are $750 per unit. 26000 7 44571. Nicehash support: dedicated port (100% compatible with Nicehash stratum). The salaries used in your highest average salary are subject to. Top up your. Pension increases for retired members and their survivors are calculated each year using Consumer Price Index (CPI) data. 5% of your average annualized earnings up to the average YMPE, plus 2% of your. Type text, add images, blackout confidential details, add comments, highlights and more. Retirement Planner. The formula for OMERs is 2% x avg salary of highest 5 consecutive years x years of service. OMERS pension income provides peace of mind. Member’s transfer to the plan from RRSP to fund these post-1989 benefits: $2,000. An OMERS pension earned in excess of the maximum set by the Income Tax Act is paid through the OMERS retirement compensation arrangement (RCA) – a special fund for. Yorkdale continues to be among the highest sales productivity leaders in the North American. This number of particles is known as Avogadro's number, which is approximately 6. 2Miners is Nicehash officially recommended pool. Your total pensionable service is the sum of your periods of current service, service that has been bought back and service transferred through a Pension Transfer Agreement. 2 years, and you live to be 90, and you retire at 65: 7. Credit past service from member’s date of hire to date they joined the plan. Estimate your retirement income. At 65, OMERS will subtract what's called the bridge benefit (bump when you're not getting CPP). Contact – For OMERS Neil Hrab Manager, Media Relations +1 416 369 2418 nhrab@omers. 44571. The permanent disability benefit is calculated by multiplying the monthly value of a full permanent disability benefit by the worker’s degree of disability. Your pension is protected against inflation to help you. The formula for calculating the OMERS inflation adjustment is set out in the OMERS Plan text. Pension Adjustments (PAs) - omers. (1. If you make $70,000 a year living in the region of Ontario, Canada, you will be taxed $20,066. CANCEA has attributed this to the increased financial security that having access to secure and stable income at retirement has, enabling them to play an increased role in their communities. Project Manager salaries at OMERS can range from $68,009 - $213,159 per year. Last updated: 11/24/2023There is no completely safe opioid dose, and this calculator does not substitute for clinical judgment. OMERS members are encouraged to consult a qualified financial adviser prior to making any investment decisions. i paid into OMERS from 1990-1999. 3% of final average earnings up to the Year's Maximum Pensionable Earnings (YMPE) and 2% of earnings above the YMPE. 1%, or a gain of $3. com. To obtain benefit estimates under the public service pension plan, you can access the Web Compensation Web Applications (available on Government of Canada network only)—Pension calculator. button and select . 6%. 7. There are 993 employers on this listing with a total of 292,562 active members (30,171 NRA 60 active members and 262,391 NRA 65 active. All the more reason to retire as early as possible, since you might collect the bridge portion for up to 10 years. Or copy and paste lines of data from spreadsheets or text documents. 4. General Public Inquiries Contact Form tem (OMERS), the Healthcare of Ontario Pen-sion Plan (HOOPP), the Ontario Pension Board (OPB), and the OPTrust. A beautiful, free online scientific calculator with advanced features for evaluating percentages, fractions, exponential functions, logarithms, trigonometry, statistics, and more. Ontario Municipal Employees' Retirement System, Toronto, returned a net 4. This difference would mean a slightly higher amount by the HOOPP. OAS clawback threshold is going up over 7% to $93,208 for 2024. The indexing of public service pension plan benefits is governed by two pieces of legislation; the Public Service Superannuation Act (PSSA) and the Supplementary Retirement Benefits Act (SRBA). m. Calculate. Example 1 Ling joins OMERS with 10 years of credited service and $40,000 available for transfer into OMERS from her previous plan. 2004 Pension Adjustments (PAs) - omers. You may be able to beat them elsewhere. 428571428565. The calculation uses the same assumptions any investor would: the. Net assets as at December 31, 2022 were $124. 5 billion, during the six-month period from January 1 to June 30, 2022. 2045. This added service can help you increase your total pension amount and may be able to help you retire sooner without a reduction. 26000 7 44571. Somers’ D, short for Somers’ Delta, is a measure of the strength and direction of the association between an ordinal dependent variable and an ordinal independent variable. Your lifetime pension is calculated using: The accrual rate (multiplier) for your member group. How OMERS Calculates Your Pension. 15 for the 2023 projected price is reasonable. OMERS termination estimates are available to you and can be requested anytime during the year so long as you have not exceeded the two-estimate limit for that calendar year. It shows you the solution, graph, detailed steps and explanations for each problem. 113. 8%. 8 billion, during the six-month period from January 1 to June 30, 2023. With myOMERS you can: print your T4A (retired members only); update your contact information; send a secure message to OMERS; update or designate a beneficiary; go paperless; view your pension information;Wordpowerandsound • 7 mo. OMERS.