How You Can Protect Against Identity Theft And Fraud
How You Can Shield In opposition to Identification Theft And Fraud

In case you are an everyday web consumer, there’s a excessive probability of experiencing identification theft. Thus, it’s crucial to learn the way you might defend your identification in opposition to theft. It’s a real concern that over 10 million customers everywhere in the world are affected by identification theft in a technique or different. The identification theft has elevated quickly in current occasions; it may be proved nicely by the rising graph. In case you are nonetheless now conscious of it, you need to be proactive to guard in opposition to identification theft and fraud. Keep away from including your self to the 70% of these complete customers who’ve been victims of this bizarre disaster. It’s unusual and ugly, that 47% of the victims of identification theft would expertise an utter issue in getting their loans and credit score handed. In the event you think about to shred off all of the paperwork, it’s merely not going that can assist you. Awfully, even the aged individuals and kids are victims of this extreme crime. Therefore, information safety has turn out to be extra necessary for that reason. In the event you doubt such a doable encounter, you’ve got some certain options for this. You will need to have heard about that common saying, prevention is healthier than remedy. The saying fits this case in a precise method. Once you search for one, it’s essential to come throughout quite a lot of services that support you in safeguarding your non-public data.

Many of the occasions, customers really feel confused considering the best way to defend in opposition to identification theft and fraud. Due to the trendy know-how and superior applied sciences, one can now entry a number of choices for a similar. The primary choice for that is to go for the theft safety providers which are obtainable extensively lately. These information safety firms are sufficient geared up and expert to guard you in opposition to any potential menace to your identification. Their detailed and assured protecting preparations safe in opposition to any unlawful trespassing to the protected recordsdata and paperwork. Making this easier for you, these providers are identical to one other anti-virus packages that keep continually guard the coated objects, and create alert at any time when there’s a probability of potential intrusion. With assist of those providers, you possibly can make sure that nobody else however you utilize the bank card and the social safety numbers. It could not be ample for anybody to belief on the exterior preparations solely on the subject of information safety. To clarify, you’ll want to take some private initiatives for information safety. For this, you needn’t hassle on a regular basis. Being a bit extra acutely aware is all you’ll want to do. Keep away from giving any private data over web or cellphone to somebody over web or cellphone whom you have no idea personally. You by no means know, the hackers are sensible sufficient to assemble the required data from you by following a number of tough means. Some victims inform from their expertise, the thieves even appeared as representatives from authorities, legislation enforcements and even banks. It’s not ever clever to imagine somebody so simply. You ought to be cautious sufficient in order that your private data doesn’t attain to any undesirable individual someway.

Manage Your Online Reputation With Identity Theft Protection
Handle Your On-line Repute With Id Theft Safety

In a latest survey, we discovered that nearly 9 million individuals every year are falling prey to id theft. It’s fairly sure that you would be able to be a sufferer of it, too. Some victims could have resolved it just by tearing up payments and piling them within the rubbish, however this isn’t the answer since instances have modified and lots of options can be found.
Id theft could embody dumpster-diving, stealing emails, stealing safety numbers together with skimming, Wi-Fi hacking, RFID studying and lots of extra methods to penetrate one’s on-line private life. Id theft is the most typical bother a web based person can face anytime in his life. You’ll by no means know when your very important private (or monetary) data might be launched as it’s actually unattainable to maintain all main data hidden. Aside from that, our social networking websites additionally play a significant position on this sequence, and consequently, we face social community id theft, too.

Nobody might help us on this respect till we change into conscious of this main theft which may badly hamper our life and drive us for our on-line repute administration. Listed below are some suggestions which may help you in decreasing the dangers concerned in id theft:

It is vitally important to get cyber safety companies in your laptop put in, like firewalls or IDS, even when your Wi-Fi connectivity is secure and secured and even in case you are not over-sharing your private data. Cyber safety is a should even when you’ve got managed to stay non-public.
One ought to keep away from over-piling pointless paperwork and information that may flip into trash months later. It’s higher to shred pointless paperwork and information instantly after getting determined to discard them.
Lock all vital paperwork and knowledge in a secure and secured place inside a security deposit field or a locking file cupboard. Additionally, use a locking mailbox to maintain undesirable arms out of your mail.
There are numerous methods to stay secure from id theft, however a superb id administration device can help you numerous by offering id theft safety. With the assistance of each day monitoring, web scanning or surveillance alerts, these on-line administration instruments can present the final word safety in opposition to id theft.

Another methods to stop id theft:

Earlier than offering any private data, all the time ask the explanation from the retailers, collectors or anybody else who wants it and keep away from filling out pointless types along with your private data.
Preserving your bank card numbers and checking account numbers to your self might help you numerous in remaining protected. Keep away from giving them out on the cellphone except you may have made the decision.
It is vitally important to watch your credit score report since you’re eligible to obtain a free credit score report each 4 months. You may test to search out whether or not the accounts listed on the credit score report are correct.
Merely deleting undesirable information should not sufficient; it is best to utterly destroy the digital drives endlessly in order that they can’t be recovered once more.
Id theft safety and monitoring software program will notify you instantly when you fall sufferer to an id thief as a way to reply instantly to save lots of your time and money.

When you comply with these vital directions, you may relaxation simpler when managing your on-line world and may stay secure from id theft or social community id theft. Search on-line to search out the perfect id administration device for defense in opposition to id theft.

Prevent Identity Theft Tips And Means To Raise Security For Vulnerable And Private Details
Forestall Identification Theft Ideas And Means To Increase Safety For Weak And Personal Particulars

Identification theft has change into a widespread prevalence. It has victimized many individuals as effectively, considerably influencing them for lifetime. Identification thieves are throughout and carry on on the lookout for methods to victimize much more people with a purpose to acquire from them by the use of extraordinarily illegal means. With a single mistake, an harmless man or girl can get caught within the fingers of the evil scammers. While the predicament is definitely a fairly worrying one, any particular person can actually forestall id theft and forestall turning right into a casualty. An distinctive technique to perform that is to get id theft safety. Such options are actually generally accessible to assist people from changing into id theft victims.
Loads of people are sometimes lax of their methods. They really feel that they are not weak to be singled out by id thieves. Because of this, these individuals are more likely to find yourself foolhardy with their patterns, typically endeavor issues which jeopardize their delicate data. Careless antics like all these are the bearers of misfortunes. That is the kind of rashness that id theft perpetrators are typically repeatedly monitoring for. Often, these crooks examine in after the heedlessness of these people with careless habits. A concrete living proof is badly eliminating data that comprise weak particulars. For lots of, this isn’t going to offer any bother. For the criminals, this presents a begin.

On the good aspect, this distinct motion can nonetheless be altered. The obvious treatment will probably be to get a shredding machine. However, when people execute financial dealings with out confirming if the positioning is definitely risk-free, these individuals are moreover positioning their very own selves at a excessive risk. Disclosing information comparable to bank card particulars and social safety digits with out thought to security are extensively irresponsible. It’s tantamount to personally gifting away priceless data to strangers. If this occurs, it may be optimistic that this naive supplier of data will probably be on the trail to struggling the repercussions of irresponsible actions. But when they’ve ample id theft protection, it may be most definitely that he will be alerted of any type of shady exercise involving his weak particulars. This is among the forestall id theft ideas that may supply a sure diploma of safety to assist him be guarded from such issues.
Acquiring the proper of safety will help individuals keep away from id robbers. Likewise, it’s a step within the course of a protected in addition to safe lifestyle, having no concern of getting dangerous deal with private information. A number of id theft safety providers have supplied individuals elevated protection. Extra to the purpose, they get safety that helps defend their life from the hurt which has lengthy been inflicted on many individuals who had little or no safety for his or her identities the least bit. Put merely, any particular person can have any individual which may very well be relied on to assist to control illegitimate actions regarding their data. By way of this, people can reside with considerably much less stress and anxiousness.
People who need forestall id theft ideas can be clever to proceed to be alert. Registering for useful id theft safety providers will probably be one strategy of upgrading safety. One different is to enhance non-public habits. Facet by aspect, these two are highly effective strains of assault to stay away from the uncomfortable focus of id thieves. Guarantee it’s a lot better by getting adequate protection and dealing directly.

Private Investigator - Searching Techniques
Personal Investigator – Looking Methods

Personal investigators are working for a number of years. They use completely different strategies for looking out the suspects. The strategy of looking out the suspect varies from case to case. Largely privates investigators are employed to unravel insurance coverage claims for inquires and unfaithfulness points. Should you take the historical past of insurance coverage claims you discovered solely uncommon instances the place you do not discover dust on some one. There are some suggestions for the looking out of suspect. It is vitally essential to know the entire historical past of case and likewise full understanding concerning the individuals includes within the specific case. Do not assume that anybody who could be very curious concerning the case might not concerned in it. Begin investigation from household and associates they may give you proper info. Rent a mini van for looking out. It’s the finest transportation imply for the looking out. The mini van mirrors have to be tinted so you may observe simply and nobody can see you. The skilled personal investigators choose to take a seat on the again of van. The mini vans together with caravans are the perfect for looking out function. It is usually really useful to remain on the motorized vehicle’s bumper when investigation within the metropolis. And likewise permit a automotive between you as a barrier in slower areas. There are too many stoplights; visitors indicators and visitors within the metropolis which makes your search troublesome. It is usually essential to confirm the mailing deal with of individual you might be visiting. If you’re planning to satisfy an individual who might contain in case first get some data about his or her background. Good personal investigator is all the time properly ready earlier than going to the one that might contain in case. If you reached to the one that you need to ask some query it is strongly recommended to find out whether or not the residence is multi household or single household. You’ll be able to decide it by counting variety of digital meter. When you’re tailing somebody it is very important do not lose sight of individual. And it’s all the time really useful to do not are available entrance of the individual time and again as a result of he’ll might get aware and cease his actions. It’s important to take full notice by paper and pen or voice recorder. Additionally write about automobile actions, date and occasions of shifting and so forth. Good notes are very important for your self and for the report you give to your shopper. Do not embody assumptions in your stories all the time write accordingly to the scenario.

When you’re working the video there will probably be numerous cease beginning of the digicam so it’s important to create particular limits between clips by inserting hand over digicam on the finish of every part. Additionally make sure that point and date stamp seems on tape by on the settings on digicam. It’s higher to get a panoramic video shot of location and automobile for video verification that the person was there. Looking includes a number of hours and lot of consideration and data. These strategies are very helpful for investigation. A good personal investigator can attain very helpful details about your entire scenario.

Raise Voice Against The Production of Fake id in Nation
Elevate Voice Towards The Manufacturing of Pretend id in Nation

The crime by no means stops on this world; it simply adjustments type and form. Each second in any a part of the planet anyone someplace is creating nuisance. There’s nothing higher feeling that to combat with crime. We should always by no means shrink back from elevating our voice in opposition to unsuitable stuffs in our environment. Society must be free from any sort of crime in order to make the nation develop. A nation the place rip-off is prevailing all over the place, it turns into very a lot important to steer clear of all these. Individuals dwelling within the nation should know that in the event that they must stay with out worry and make the lifetime of their future technology protected, they need to do away with all of the crime doers of the realm. Crime at giant has a higher which means. It at on a regular basis doesn’t imply murdering somebody or robbing anyone from all his valuables. It may be coming your method in disguise too. Each nation has sure measures to deal with with that. The nice nation of ours additionally has some. In our each day life there are a lot of issues which are vulnerable to nice hazard. We should decide them and take proper measures to deal with them. It’s our duty to maintain the lifetime of our future technology protected.

Simply take into consideration the second when your baby strikes out of the home these days. We mum or dad really feel actual nervousness until they return house. This has grown to many occasions with the prevailing downside of pretend ID. The life of those innocents stays actually within the hand of scammers within the exterior world these days. Our authorities has made each attainable measure to deal with with all these individuals, however sadly they discover new methods to attract our wards with pretend ID playing cards. Issuing an id card has which means to it, with none purpose each authorities of each nation has not been issuing the identical for all these years. This truth doesn’t get contained in the thoughts of teenager, who has the concept that no matter they assume is correct. That is exploited by pretend ID card makers. As there’s sure age bar for driving within the nationwide freeway, kids’s under that age doesn’t get the license to drive. In such conditions they purchase pretend ones from these scammers. The urge to really feel the adrenaline rush makes them do what they need to keep away from doing. They neglect the unhealthy sides associated to this factor. The individuals promoting such stuffs by no means take into consideration our baby as they solely need cash from these youngsters. Thus, it’s our responsibility to maintain our youngsters away from any form of harms. Yearly 1000’s of youngsters of under eighteen years die attributable to accident. The primary purpose behind that is pretend driver’s license. The day once we would be capable of cease the manufacturing of such issues, no extra moms would cry for dropping her baby in street. It is excessive time that all of us take oath to combat in opposition to this crime. We have now to cease these scammers collectively with authorities with all our consciousness.

Protect Yourself With Id Theft Protection Services
Defend Your self With Id Theft Safety Companies

Have you ever ever heard of identification theft and been so paranoid regarding it? If that is the case, please confabulate utilizing the specialists which have superior high quality id theft safety providers. In case you really feel you are adopted or there are a number of suspicious of us on the net who proceed asking just about your particular person info, primarily your accounts and passwords, then you might be a topic or sufferer of id theft. Id is mostly a kind of fraud that impersonates or steals info utilizing their firm people to entry their personal information is very like cost playing cards and accounts. This misdeed is certainly taking place in lots of areas of the planet. Via id theft, the sufferer can undergo nice penalties, particularly monetary losses. To stop such horrible issues from growing, safe your self utilizing the effective safety service. In choosing a really perfect service, it’s essential contemplate its actions which may certainly defend you and in addition provide you with assist with restoring your identification that had been robbed. Such providers are carried out to safeguard and serve an increasing number of individuals who’ve be a casualty and in addition to individuals who is a sufferer. Lessening and stopping id theft from growing is precisely what a majority of these providers do. In case you’re somebody who make giant revenue, you may be most likely victimized by identification thieves. That you have to be secured and develop into much less anxious about different individuals stealing your identification, it’s essential resolve a reputation safety firm that screens your identification and hinders id theft from taking place. In so doing, now you may develop into extra assured that the identification is protected and from identification thieves. However do not be too constructive about whereby you eliminate paperwork which include tidbits concerning you or those that hand out personal info. Id thieves occur to be documented to endure paperwork that lend the information required for these to understand their unlawful acts.

To develop into simpler when selecting which id theft safety providers it’s essential take, carry additional ideas to evaluating the assorted corporations and providers which have the perfect goals regarding id theft. Such service ought to have trickery detection, database monitoring, credit score monitoring (for the credit), monetary loss recovered, cost card monitoring, tackle affirmation, youngsters’s providers (for the children identification security), and together with pockets safety. All these providers ought to be confirmed and examined. By doing so, your perception might be collectively. Additionally it allows you to enable them to deal with precisely what is crucial to finish to maintain your identification secure on a regular basis. You should definitely catch id theft safety providers opinions to search out out far more concerning the companies that present them. Your Id Is protected On a regular basis With Id theft safety providers With certainly one of these providers, each you and your identification goes to be reserved protected against the totally different strategies that identification thieves flip to to have the ability to commit their crime. However even in case you’re steadily monitored by a majority of these providers, you need to do not forget that it’s essential not present your particular person info of login credentials to people you have no idea that appears suspicious. A lot of methods of stealing your identification could embody stealing issues inside your car, houses, by decide pocketing, snatching baggage or simply utilizing the Web. Do not be misled by Web nameless and don’t be inconsiderate in offering your information stupidly. By doing this, you’ll be able to help in stopping your self from as being a sufferer. Your stress ranges would lower with assistance from id theft safety providers. This actually is plainly because of the mere incontrovertible fact that a majority of these providers goes to do all that’s required to finish to be sure you that the identification is protected and it’s afar to be corrupted by identification hackers. To stop id theft from taking place, be stricter with reference to sharing your personal information. Solely give your information when that it is extremely wanted. Be safe utilizing the providers that are positive to offer you safety.

How To Protect Against Identity Theft
How To Defend In opposition to Identification Theft

The Web has created numerous alternatives that did not even exist in our imaginations 20 years in the past, however not all these advances are good ones. Identification theft has thrived on the Web; with predators lurking in every single place trying to steal another person’s private and monetary data and makes use of it to create havoc. And identification theft statistics point out this downside is already widespread and getting extra widespread: In accordance with the Federal Commerce Fee, during the last 5 years, one in eight Individuals have been victimized in a roundabout way by identification theft.

The Web, clearly, goes nowhere and can solely develop into an even bigger a part of our lives. So how do you defend towards identification theft? Learn these info on identification theft to get a greater thought of easy methods to keep away from falling prey to those criminals: -Unsecure internet browsers are the most important perpetrator in identification theft (properly, apart from the precise thieves). That is essentially the most foreboding of all of the info on identification theft, as a result of in case your internet browser is not safe, then it isn’t a matter of if you’ll be the sufferer of identification theft however when. The excellent news is there are many applications out there that won’t defend your internet browser by, amongst different issues, blocking pop-up advertisements and spyware-both of that are widespread strategies by which hackers can enter your laptop and steal beneficial data. -Buying at unsecure web sites: That is one other of the info on identification theft which are typically missed by overeager customers. Irrespective of how good a deal you’ve got discovered, no product is well worth the problem and complications created by identification theft. Be certain that the websites at which you store are secured and guarded. Details about the safety degree of an internet site can often be discovered on the backside of the web page. In the event you’re not happy with what you see, then do not make the acquisition. Additionally, when potential, pay for merchandise bought on-line with PayPal, which gives unmatched safety to individuals who use the service. -Irrespective of how safe it’s, be sure that to scrub your internet browser frequently. Good browser safety software program will handle this as properly, however once you’re making an attempt to keep away from changing into the newest in identification theft statistics, you may by no means be too protected. Delete objects equivalent to web historical past, web cache, short-term web recordsdata and browser monitoring cookies, all of which may home beneficial monetary and private data. -Do not ignore the “old-fashioned” methods to protect and defend your identification. Details on identification theft nonetheless embody these victimized by such strategies as dumpster diving and decide pocketing. ALWAYS shred paperwork earlier than throwing them out. Whereas the plain candidates for shredding are outdated financial institution and funding statements, it is also advisable to shred unsolicited mail as a result of thieves can use present addresses to make out change of handle varieties and get your mail despatched to a special location. And at all times be sure that to guard your belongings equivalent to wallets (by inserting them in a entrance pocket) and pocketbooks (by hanging on to them as they’re slung over your shoulder).

The info on identification theft are horrifying, however with the correct precautions you may keep away from changing into a sufferer and the newest bit of knowledge on identification theft statistics. Defend your self in the present day!

Identity Theft Protect Your Identity Online
Identification Theft Shield Your Identification On-line

Identification theft is a rampant, social drawback, which requires meticulous investigation to have the ability to detect it. Identities are very private thus the necessity to at all times hold an in depth eye over it. If not taken cared of correctly, one’s id, profession, monetary properties and private relationships could possibly be ruined. Identification theft safety will be correctly initiated by following related steps. These can reduce the danger of id theft. Private paperwork similar to financial institution deposit receipts, bank card statements, outdated paperwork or any information that maintain significance needs to be correctly secured or correctly disposed of when not wanted anymore. Thieves can undergo absolutely anything and make one thing out of paperwork similar to these. Shield on-line privateness by equipping your private computer systems safety software program. Search for safe pages so that you can flick thru. “Https” within the deal with bar signifies that your web page is unquestionably safe and information is not encrypted. With no safe connection, hackers can eavesdrop in your transaction and pay money for your non-public information. Phishing is a method employed by on-line id thieves. They undergo your emails and on-line chat purposes. Furthermore, thieves faux to characterize an organization and inform you that that you must reply together with your private data or click on on a hyperlink. Keep away from disclosing your private data on the web and even over the telephone to anybody. Keep away from those that declare to characterize a financial institution, bank card firm, charity or different group. Set up a dynamic antivirus program that may detect viruses that may sneak its manner into your pc discreetly. To keep away from these viruses from coming into, you should definitely run an anti-virus program and at the very least one anti-spyware program similar to Lavasoft’s Advert-Conscious Get your free credit score report on-line and make sure the safety of your monetary historical past from thieves. Confirm that the data written on the report is appropriate and test for any suspicious exercise, significantly mysterious new accounts which were opened. Analysis on methods on the right way to hold your id fully beneath cowl and secured. Name your bank card firm every so often to just remember to aren’t concerned in any fraudulent prices. Hold all paperwork that comprise private information securely saved. Ensure that to comply with these steps and you can be ensured that your id is secured.

A Few Misconceptions Relating To Identity Fraud
A Few Misconceptions Relating To Identity Fraud

The good news is identity theft over the past few years has decreased. The bad news is it remains the number one consumer complaint and has remained so for the past twelve years. There’s plenty of information floating around with regards to this crime as well as a number of myths which can easily have you going in the wrong way.

1. Protecting Your Social Security Identification Number Is All You Need This is on the local and national news quite a lot. More than a few experts may tell you this is all you need to protect yourself against identity theft. Unfortunately that is not the case. The fact of the matter is identity thieves can steal your personal information in a number of different ways without the need to swipe your social security number. Among them is shoulder surfing, skimming, and going through your trash commonly known as dumpster diving. 2. Any Fraudulent Charges Are Your Responsibility Do not allow anybody to force you into paying anything if you were the victim of identity theft. It is not your responsibility to pay any fraudulent charges thieves have put on your account. You will discover debt collectors do not care about that. They just want their money. That’s fine as long as you keep in mind that you are not the one who has to pay it. 3. It Will Not Happen To Me Famous last words. No doubt at one time or another many people who were victimized said the exact same thing. Identity theft spares no one. While it may be on the decline eight million people last year still had their identities stolen. Considering that the number usually hover around ten million as well as the alarming number of ways thieves can pilfer your information and there is little doubt identity theft can happen to you. 4. Most Identity Thieves Get Caught

Since law enforcements and financial institutions have been more aggressive in dealing with identity theft you figure the arrest rate would be pretty good. Think again. According to studies done by the Gartner Group roughly 1 out of 700 people ever gets caught. Yes you may hear how authorities have cracked a major ring. While this is true the overwhelming majority of thefts go unreported let alone anyone getting apprehended. 5. Most Identity Thieves Are People You Have Never Met Not true and this in many ways is what makes identity theft the epidemic that it is. Most thieves are someone the victim knows. A neighbor, friend, coworker, but mostly a family member. This should also give you a good indication as to why most identity thieves do not get arrested. As bad as the crime is many victims cannot even begin to bring themselves to have one of their relatives thrown in jail regardless of what they did.

Safely Upgrading Your Computer
Safely Upgrading Your Laptop

I’m writing this text with a brand new PC. It’s a netbook; not high-spec or costly. Nevertheless, it is a perfect dimension and ample in options to do its job. There are three different private computer systems within the household, however the oldesr one, has been put to relaxation. We do not want it, however do not precisely know what to do with it both. It is an historical, sluggish mannequin, however too good to only throw it out. If we give it to somebody, the paperwork on it should be handled as a result of they’re primarily household portraits, vids and private data, resembling passwords and financial institution particulars. Possibly the easiest way to resolve this dilemma is a few type of arduous drive destruction adopted by the handing down of the remainder of the {hardware} to house. This case just isn’t unusual. These days, so many households and companies change laptop {hardware} or full computer systems an increasing number of usually. This isn’t solely a disgrace but additionally a waste to get rid of the models purely as a result of worry of the unformatted knowledge ending up within the mistaken fingers. The most effective answer is comparatively straightforward. Earlier than you move on {hardware} on to a brand new and loving house, the place objects like processors, VGA playing cards and RAM are completely able to performing, cope with the destruction of the arduous drive by whiping then completely shredding the models. New arduous drive storage may be purchased low cost sufficient and is obtainable in lots of sizes to swimsuit anybody’s pockets or specs. It might seem a bit of egocentric or uncharitable to present one thing away that can not be utilized and must have cash spent on it, however it’s a lot higher than giving nothing. The probability of necessary and/or confidential knowledge being misused is sort of low within the case of handed-down {hardware}, however the threat continues to be there. By simply following a couple of easy steps within the process to soundly get rid of the gear will make sure that any private or enterprise recordsdata or different knowledge can’t find yourself within the possession of those that want to profit from buying it. In addition to this, any recipient of complimentary laptop {hardware} mustn’t really feel arduous finished by if they should spend a bit of money on a brand new arduous drive.

In abstract, regardless that we should all take into consideration others on this world with an ever-increasing inhabitants, however we should additionally watch out to protect in opposition to the rising menace of the theft of immaterial and intangible, but useful, objects related to our lives or companies with arduous drive destruction. Fifty years in the past it could have been inconceivable to steal data in such a approach, and twenty or thirty years in the past in all probability ineffective to those that did so. Nevertheless, these days just some particulars which might be printed on a invoice or saved on a Phrase doc hiding away in a single’s arduous drive could cause untold inconvenience and price.