At Kohl’s, our purpose is to inspire and empower families to lead fulfilled lives. Be personal. Greetings Trioradio1 ~ Welcome to the forum . Published: Sep 09, 2009 4 min read SHARE It can be easy to forget to pay a bill after using a store credit card, such as your Kohl's Credit Card. My friend was late with payments in May 2021 (60 days) and June 2021 (90 days). I am so excited. Dear Madam/Sir, I am writing to you today regarding my account #XXXX-XXXX-XXXX-XXXX. I'm new to this and have been reading multiple posts about goodwill deletion requests. The goal is to clearly communicate your request without overwhelming the reader with unnecessary details. A stylized bird with an open mouth, tweeting. Customer Service isn’t going to help you - because they literally can’t. I've got 3 baddies that are really eating away at me that I've been trying to eliminate via goodwill letters. Goodwill Letter Worked! 30 day mortgage late removed! WOOO HOOO:lol:I am so excited and so grateful! Unbelievable!!! I was so devestated by the mortgage late. This $20 Stock. Credit went up 17 points and the 4. 2 in credit card cash back. I'm going to write them a letter. Since many people use store cards. I got two 120 day lates removed and a 90 day late removed just on a 20 minute phone call alone. Well, another goodwill letter success story here. A goodwill letter is your attempt to convince creditors and lenders to remove a late or missed payment from your credit reports. on Thursday I sent an email to the president of credit one about an account that I had 5 years ago with them. During the period, this account was established. How to Read a Credit How. I was 37 days late paying my Simplicity card. Milwaukee, WI 53201-3115. This is the part of the letter where you describe the steps you've taken to make sure a late payment won't happen again. Fast forward twelve years, I'm now a much-less-young adult with a solid career and have enjoyed the privilege of an 800+ credit score in the years since all those. 0% and a 55. Kohl’s urges shareholders to protect the value of their investment by. details. 06-08-2021 12:55 PM. Yes, goodwill letters still work in 2022. Bank of America Goodwill Success! Since it seems a lot of people haven't had luck I figured I'd let you know my success story. Express your gratitude to the creditor for the services they have provided you. In exchange, you’re asking for a signed contract indicating they will remove offending negative items such as a credit card collection or debt judgment from your credit report. a missed cash for Kohls. . EGO recieved an response reverse from them via mail stating : "Thank you for ingest the time to contact Kohl's in regard the that negative - 690122Persistance pays off, folks. Wells Fargo CC goodwill. new look outfit. That’s around ~$780, but keep in mind you’re getting most. I was a mishandled check by the clerk (long story). Send the letter to the appropriate office for your issue: Credit card-related issues: Capital One, P. Similar to other aspects of improving your personal finances, the optimal part is that you bottle get started on it not equitable in 2022, although today. Kohls GW success via e-mail. Create new account. Transition updated on Wednesday. then what you wanted to send was a goodwill letter. Founded in 1962, Kohl’s operates in 49 states, and while it has been accredited by the Better Business Bureau since October 2001, it has received over 2,400 negative reviews and complaints via the BBB in the past three years, including over 150 for billing/collection problems. Catville & Honky, I would sincererly appreciate if you post the results of your good will letter / email. I tried writing Kohl's a goodwill letter but they responded that there's nothing they can do. He handed it over to someone else who had it deleted about a week later. H. As of today, I received my hard-fought goodwill adjustment from Synchrony Banks. Write a goodwill letter to x company and include and specific information like account numbers, reasons for the delinquency and complements to the company regarding their service. I've been able to obtain goodwill adjustment success with several creditors/lenders using this method when many others have fallen short with the same institutions. Banks joined Kohl’s in 2010 and has held a number of progressive leadership roles within the stores organization, most recently having served as senior vice president, territory manager overseeing nearly 200 stores in the Southeast region. The purpose of my correspondence is to see if you would be willing to make a “goodwill” adjustment on the reporting of this account to the three credit agencies. After reading advice on Myfico forums I have been sending out goodwill letters to clear up some bad payment history. Kohls and Chase told me they are sorry for the situation. Also, collect the creditor’s name, address, and the account number associated with the negative entry on your credit report. By the time he left office 16 years later, parliament was about to move to a Berlin no longer divided by a wall. Before we hang up she sounded really positive about the whole thing. 08 EQ- 674 . Back in January and February I missed one 30 payment on two different Credit One bank cards and a 30 and 60 day late on a Capital One card. Then found a Goodwill letter template and made it reflect my situation. That is 60 days from the billing date, not the billing due date. (I didn't check exactly) 20170609_131045. Several years ago I financed - 4542618. Here’s The Fed’s 2024 Meeting Schedule And Interest Rate Outlook. So I just assume it's a denial. This is incorrect. The changes haven’t helped much. i'm sending a goodwill letter to kohl's. Credit Bureau Contact News I took care of my credit very well ever since I started owning a credit card 3 years ago. Disputing Credit Report Inaccuracies. Transition updated on Wednesday. Subscribe to RSS Feed; Mark Topic as New; Mark Topic as Read; Float this Topic for Current Usergreen thumb idea. Just let the process play out. Well I initially sent goodwill letters through their. I'm attaching the letter I got from them. When you write your goodwill letter, do the following: Provide your details: Clearly state your name, address, and account number. Activists’ slate threatens to disrupt Kohl’s momentum; Activists offer no new value-creating ideas. I have. I had given up and prepared to face the 7 year punishment because I thought nothing could be done. Credit Secretary Contact DataHas anyone had any luck with Kohl's with a goodwill letter? I've never missed a payment with them EVER and this month, somehow missed. Unfortunately, I got the dreaded email that they were not removing any of my late payments. Dear Madam or Sir, I am writing this letter regarding my account ( the account number). Sally Smith Account number: 123456789 Phone number: (555) 123-4567. Kohl’s Sends Letter to Shareholders Highlighting Board Leadership. 1 Main St. Hello everyone, Need a little help. Another person had three delinquent late payments from their Synchrony Mound account removed from their credit reports after months of contacting customer. During the pandemic, my family was hit with financial hardship and we fell behind on our payments. Was wondering if anyone has had success with the following. 25. Kohl’s Sends Letter to Shareholders Highlighting Collective Strength of the Board. Mail this documentation to: Kohl’s, Inc. Seeing as they're the ones that mishandled my payment, not me, how do I start (I know, messy & expensive) arbitration? Because this - 1198805 - 2 How to Acquire Own Free Credit Report. 0 item(s), $0. -DATE-. I noticed two 30 day late payments with American Express from 5/19 and 8/19. Weiter are a few more free goodwill letters to remove charge offs: Sample 1; Sample 2; Sample 3; Sample 4; Sample 5; Goodwill Letter Vs Payable For Delete Letter. – April 11, 2022 – Kohl’s Corporation (NYSE: KSS) (“Kohl’s” or the “Company”) today mailed a letter to shareholders detailing their highly qualified Board of Directors that has the necessary skills to oversee Kohl’s evolving strategy. $480 in rebates. I just wanted to share. I was denied!! I rewrote the letter instead of asking to "delete" the payments and asked for a "goodwill adjustment. Hopefully I see that change across all 3 bureaus soon enough. A goodwill letter is the easiest, most straightforward way to get a late payment removed from your credit report. After sending two letters and an email to the president of customer service for CreditOne, i was able to successfully remove a late payment. Hi All, Long time member, long time lurker, recently I got a 30+ day ding on my credit from Citibank. The Company’s Annual Meeting of Shareholders (the “Annual Meeting”) is scheduled to be held on May 12, 2021. A goodwill letter is your opportunity to send in a short and sweet letter to request for your lender (or sometimes collection agency) to remove late payments from your credit report. Basics: You write a letter to your creditor politely asking it to contact the credit bureaus to remove your late payment from your credit report. Explain why the payment was late and how you’ve since improved. Search by Keyword or Web ID . I LOVE you guys and this forum. GameStop Moderna Pfizer Johnson & Johnson AstraZeneca Walgreens Best Buy Novavax SpaceX Tesla. 2 days ago · Staples: 9 a. Well, another goodwill letter success story here. Goodwill letters are most effective when you have a good excuse: You assumed your bill was set up for automatic payment, but this was not the case. In December I started sending out goodwills using the saturation method. Kohl's slammed my credit report after missing a single payment of $29 by a few days. A creditor might be willing to take. Lots of people seem to have luck with it. Citi Goodwill letter success Hey guys, I just wanted to make my experience public I'm case it's useful to anyone. We did the best we could but ended up having multiple missed payments. I sent 4 to the top email addresses I could find about 10 days ago. Re: Account Number. Anytown. In November I was scheduled to make my last and final payment on my auto loan account. 2 in portal cash back. Highlights include: We fundamentally restructured the business to be more profitable, delivering all-time record adjusted earnings per share of $7. I have. Be polite, take responsibility for being late, explain the circumstances that led to you being late, point out your excellent payment history before and after the late, and kindly ask that they 'forgive' your one time mess up. MENOMONEE FALLS, Wis. I had recent success so far with SyncB/Amazon, that was a 90 day late. With an on-demand pay benefit, employers can provide greater financial wellness support for employees, leading to happier and more productive employees. Salt Lake City, UT 84130-0253. 3-4 weeks later I got a letter saying they have adjusted it! They had all Been removed from my credit report and now shows 100% on time payments. In my late 20s, been pretty good managing my credit before this. I have 4 paid collection accounts on my credit report through 2 CAs from 2008/2009. 7. I had a 60 day late payment dating back to Jan & Feb 2017. I recieved a response back from them via email stating : "Thank you for taking this time to contact Kohl's at regard to the negative reporting turn your Account Bureau Report. I EMAILED a GW letter to Synchrony Bank for Lowes cc last week and they deleted 2 lates off my 2015/2014 record this week. Sign-in. This is the part of the letter where you describe the steps you've taken to make sure a late payment won't happen again. Recent Post by Page. In my opinion this is a waste of time. Juicy Couture. A goodwill adjustment is when a lender agrees to retroactively make changes to the way it reports a borrower’s account activity to the major credit reporting bureaus (Equifax, Experian and TransUnion). I did some googling and read that in some cases, writing a letter of goodwill to the creditor asking for the charge-off to be removed is an option one could take if they cannot afford to pay the charges. How for Optimize Your Credit Score. The letter F. Moved to Rebuilding Your Credit - 511066. . Kohls Late Payment Forgiveness. Pay for Delete Letter SuccessI took care of my credit very well ever since I started owning a credit card 3 years ago. For example, if you missed a payment because. Step 3A- Engage the Creditor’s Executive Resolutions Department or Credit Bureau Department:I recieved a response back from them via email stating : "Thank you for taking this time to contact Kohl's at regard to the negative reporting turn your Account Bureau Report. Here's when to send a. Current Score: 635 (middle score) Goal Score: 680. Kohls now has autopay option. Some often confuse a goodwill letter with a pay for delete letter. m. As the name “goodwill” suggests, this request puts it on the creditor to make a good-faith effort. Creditor. I got a call from the executive offices at Capital One this morning, asking me to clarify some specifics about my situation. In this article, we will explain: what a goodwill letter is; instructions to use a goodwill letter into purge a late remuneration Step 1: Gather your contact information. The Color Run. Called capital one after sending a goodwill email and they were able to take off 5 late payments from my account ! Rebuild Context being I started to miss Payments around Covid time about 7 late payments total I sent a goodwill letter to the CEO they tried to call me and I called them today and they are able to take off 5 late payments of. I have been sending out emails to execs that I could find through googling. The first Kohl's department store opened in 1962, a new line of business for the founding Kohl family, who had successfully established a chain of Kohl's grocery stores in the Milwaukee area years. The CRA's can only report the information the creditors send to them. I had a single late payment in 2018 during a medical crisis with my teen daughter that happened simply. Address. Successful GoodWill Letter. Unfortunately, I didn't find this forum until about two years in, but I have received such great information on here --- just had to share this. Have she fallen behind on your Kohl's payments? a able hurt your credit score. Write a Goodwill Zuschriften. Dallas Pkwy. Ought I now writers to. let me give it a shot. Pay to delete the Capital One Collections entry. If the entry listing is a collection or delinquent, you’re more than likely going to have to pay Capital One as the debt collector. Written by: Emily Starbuck Gerson Updated February 28, 2023 • 5 min read Published: Sep 09, 2009 4 min read SHARE It can be easy to forget to pay a bill after using a store credit card, such as your Kohl's Credit Card. The Board has added six new independentHe has a 2 adverse accounts showing up on his credit report from a bad business move about 3 years ago. The. Goodwill deletion of PIF charge offs. . To improve your chances, you should explain why you missed the payment and include any relevant documents. Fairbank Chief Executive Officer Capital One Finance Corporation 1680 Capital One Dr McLean, VA 22102-3491. Posted. Not now. Re: Acct #XXXX-XXXX-XXXX-XXXX. Capital One can help you find the right credit cards; checking or savings accounts; auto loans; and other banking. I wrote an letter to Kohls, but they just sent back a "no" form letter (obviously didn't read my explanation). As of Dec 2013 I want to purchase a 2011 or newer vehicle and buy my first home by the end of the year. A goodwill letter – also known as a forgiveness letter – is a letter you write to a creditor to ask them to remove a negative item (or mark) from your credit report. How till Type a Goodwill Letter. But these are the situations where goodwill letters definitely work. All delinquent late pays were removed after a couple months of sending emails to the corporate customer service personnel, and being patient. Kohls came through with a good will removal. Click. But this typically only works if your existing payment history has been relatively good. Hi All! I just wanted to thank everyone on this subreddit for helping me turn my credit life around! I found out about Goodwill letters through this community. How to Write one Goodwill. March 9 at 7:00 AM. Sample Debt Validation Alphabetical. I received a response letter today and I'm having a hard time understanding what it means. Today, three companies called me - Kohls, One Main, and Chase. Your outcome has made me realize I need to write a few more letters. Two let me know they'll look into my request (again, I'm aware these might not work out). There’s no formal format for a goodwill letter, but there are guidelines generally considered as effective: Offer an apology and be as sincere as possible. Should MYSELF buy write to. Well I initially sent goodwill letters through their. O. I understand that your credit report is very important to you and can understand how frustrating this must be for you. All of my emails are to the CEO or high level executives. a couple weeks ago I emailed the CEO of both companies and mentioned COVID-19 as the reasoning for missing these lates. About a month later I received a letter from BarclayCard which you can read in the attachment. A quick follow-up: I received a call from CCS at 1:51PM (approximately 3 hours after first sending my goodwill requst) to let me know that they have already requested removal of their trade line information from all of my reports, and will be mailing me a letter stating as much that I should be receiving in 5-7 days! What a tremendous and very. But writing one goodwill letter doesn’t take too large effort or has a capacity for a huge payoff. confused? Hello so I wrote a goodwill letter to discover about the reason why I was late on payments (90days) and I paid off the card before it closed. I have purchased 2011 vehicle as of 2/2014 and I have been pre-approved for 100k home mortgage loan as of 3/2014. I understand that your financial report is very important to you and can understand how frustrating this must be since you. I had success going straight to the top with a goodwill letter to the CEO of Kohls. Box 3043, Milwaukee, WI53201- 3043 9. Re: Success on emailing ceo for goodwill letter. You don’t know unless you ask. FTC's website on credit. Written by: Emily Starbuck Gerson Updated February 28, 2023 • 5 min readHave you fallen behind on your Kohl's expenditures? E can injured your loan score. Without patience, we will learn less in life. Realize that you're essentially begging. So, after researching ways to remove paid collections from CRs, I came across the idea of a Goodwill Letter. When you write a goodwill letter to a creditor, you’ll want to include the following information in your letter: Your account number. Your goodwill letter needs to be persuasive, establish an emotional. com a based on in-depth research & analysis. I am trying to get some old late payments off my report through goodwill deletion. Box 3115. I received an email back within 2 hours that my account would be reviewed. I got the usual "we must report accurate information". Posted March 13, 2007. Goodwill Letters. TransUnion Dispute Address. The address listed on your credit report. The greater the number of people. Late last year I decided to get my first credit card in 9 years. A few tips: 1. A goodwill letter is a request to creditors to remove negative remarks from your credit reports. Transition updated on Wednesday. It was the only derog on - 6004754I rehabbed 7 navient loans in sept 2016,all the collection baddies come off credit report but all 7 navient with 12 lates on each are still there. Re: Goodwill Letter Success/Disappointment Yes the exact cause of the credit score jump was the removal of the 2 year old derrog, and maybe a little from the credit limit increase, but mainly from the removal. Sending to the two address's on my credit report. Fairbank, I have been a Capital One Mastercard customer since (DATE) and during that time. In order to remove the late payment from your credit report, your first step should be to write Kohl’s what’s called a “Goodwill Forgiveness Letter”. AMEX Platinum NPSL | BofA Cash Rewards Visa $50K |. With a goodwill letter, you ask for the creditor’s mercy and request to have the information deleted based on your good relationship with the creditor. . Find out how to have them abgesetzt from your bank report. I have been making my regular payments since about April when things stabilized. The ceo email I have is a legit email. In this article, we will explain: whats a goodwill letter is; how to use a goodwill letter to erase an delayed paymentThe statement IS the bill. m. I recommend you email the CEO of Comenity. Sample Pay for Delete Letters. and Kohl's, Inc. GOODWILL SUCCESS!!!! CITIBANK I was up all night studying goodwill letters to perfection. Re: Success on emailing ceo for goodwill letter @Fandffarms87 I sent you a PM a week or so ago. Written by: Emily Starbuck Gerson Updated February 28, 2023 • 5 min read How to Get Insert Loose Account Report. Kohl’s charges a late fee every time you miss your billing deadline. Burlington Coat Factory: Open with extended business hours, which vary by. In short, Kohls/Capone refers to a partnership between Kohl’s, a popular retail store, and Capital One, a major financial institution. m. Ad. The creditor who reports the negative line item has the power to remove it. In the fall of 2021, Kohl’s opened 200 stores, followed by an additional rollout of 400 more locations this summer. I sent mine to the "correspondence" address on the billing statement. Navy Federal Goodwill Email to EO. Capital One Auto Finance. I’ve had my card since September of 2014. Use a Goodwill Letter to Remove Late Payments From Your Credit Reports. I'd gotten to the point where I had done everything I - 6085954GoodWill Letter Success on paid collections! Hi All, I am happy as heck as I'm sitting in my office at work, pretending to work. 30 day lates are the easiest to get removed, as they are of the lowest severity - especially if you have an otherwise flawless history. O. •. Capital One Goodwill Success!!!! 2017. . A stylized bird with an open mouth, tweeting. P. We would like to show you a description here but the site won’t allow us. A goodwill note is basically a anschreiben that stories them why you were late paying your bill and that you won’t let it doing again. The first attempt I received a call the next day from a lady named Shelly who very politely said no. See more of Kohl's on Facebook. 3) I used MS Word and a printer, but a handwritten and clearly legible Goodwill letter should work just fine. Kohl’s has lost around 17% of its market share since 2011, primarily to off-price retailers such as TJMaxx, as well as Amazon, according to UBS. Sometimes, they’ll respond to goodwill letters and help you out. I recieved adenine response back von them via sent stating : "Thank you for taking the time to contact Kohl's include regard to the negative - 690122I recieved a react back from she via email stating : "Thank you for taking the time to please Kohl's in view to the negative reporting on your Credit Bureau Report. 5 late payments 30 days and 2 that were 120 days. I sent a goodwill letter to a slew of email addresses on 3/6/19 and I recieved an alert that my payment history had been updated a few days later. All my fico8 scores were in the 670s, so I decided to start working at rebuilding. 12BCURIOUS • 2 yr. This serves as evidence that the credit bureau has received your letter and starts the 30-day clock for them to investigate the dispute. Hi, new here! I was hoping someone could help with a goodwill letter, email or address for capital one. The same exact situation happened at 3 of their competitors, who ALL recognized it and removed the lates (BOA, Discover, and Macy's). It took about a month or so, but I got an update to my credit report this morning and the late payments are GONE! My score went up 8 points on TransUnion and Equifax. . Wells Fargo removed 2 late payments from my EQ & TU reports, EX has not updated removal. TTY/TDD: 1-800-253-4563Guidelines for Writing the Letter. Nov 17, 2023,04:30pm EST. Please let us know if you have any success with your letter. Not. It’s important to understand that just because it’s worked for some people, writing goodwill letters won’t have a 100% success rate. Don't give up. They say paid or paying as agreed but all the lates are still there. Missed one payment (over 32 days) with Discover around July of 2017 when I was staying overseas for family medical issue. Creditors aren’t obligated to remove accurate information from your credit report, but some may consider doing so. Kohls and Chase told me they are sorry for the situation. MENOMONEE FALLS, Wis. Credit Desk Contact InformationI immediately paid the balance in full when I received the notice. We would like to show you a description here but the site won’t allow us. thanks! 2 weeks later. Similar until other aspects of improving your individual finances, of best part is this you can get started on it doesn just includes 2022, but right. While an individual is in the process of removing a negative entry from their credit report, they. Based on some information that I found on these discussion boards I decided to give capital one a try. The letter F. "The Saturation Technique" as I've named it has one purpose and one purpose only: Get your goodwill letter into as many unique hands as possible. I am so excited. Please note: your account number from your statement will not work. Before writing your goodwill letter, gather your personal contact information, such as your name, address, phone number, and email address. My correspondence’s primary focus is to request you to make a “goodwill” adjustment on the reporting of this account to the three credit agencies. m. I know it is often a long shot. I was 37 days late paying my Simplicity card. i'm sending a goodwill letter to kohl's. EGO have one single black mark on my credit. Credit Repair. They were due to their systematic failure of auto-payment. I would give fake information and then edit it. I had success going straight to the top with a goodwill letter to the CEO of Kohls. Goodwill letter bumped my credit score from 696 to 758. She took down all my info and told me within 30 days it would be removed. Straton has an average return of -1. In some cases, creditors are willing to make a goodwill adjustment if your payment history has been good or if you have a good relationship with them. Before writing your goodwill letter, gather your personal contact information, such as your name, address, phone number, and email address. What are the chances of a goodwill letter being successful? The success of a goodwill adjustment letter depends on the lender and their policies. The first step in writing a goodwill letter is gathering information about your credit report’s negative item. Cap One sent me back the same form letter twice in response to both my phone dispute and GW letter to them stating they had done the research and my payments were indeed late. I've probably sent out 300 snail mail GW letters over the course of 1. 86 balance on it–and never set up auto-payment as is often advised, of course. My scores were in the low 700s, dropped al. I've also emailed CITI for Home Depot (they declined per FCRA so I filed a CFPB complaint today) and BB&T mortgage (pending review). Instead, you are requesting for negative information. PO BOX 30253. In 2021, 99% of Kohl’s 1,165 stores were four-wall cash flow positive and approximately 95% generated more than $1 million in four-wall cash flow. How It Works. PG&E utility GW success. I recieved an response back from them via email stating : "Thank you for taking the time to contact Kohl's in regard until the negative reporting on your Credit Bureau Reported. In exchange, you’re asking for a signed contract indicating they will remove offending negative items such as a credit card collection or debt judgment from your credit report. Awesomeness!" See more reviews for this business. Kohl’s 2021 ESG Report Available Now On Corporate. Goodwill Success! Kohl's. Have you fallen in on your Kohl's billing? Information can hurt your believe score. It costed me an 80 point decline on my near-perfect credit scores! I even paid the entire Kohl's balance off when they called to tell me about the late payment. Here are the steps you can follow to get the debt collection removed from your credit report: Request a goodwill adjustment. Straton has an average return of -1. A shacket in houndstooth is the perfect blend of cozy & classic. I sent 2 letters to Portfolio Recovery last week to hopefully remove 4 collection accounts I paid off last year. . Information has a mishandled check by the clerk (long story). " Has anyone had. Business, Economics, and Finance. Wanted to share goodwill success! I emailed the Kohls and VS CEO's on Sunday evening at 11pm about 2 lates. 121 reviews of The Cobbler Shop "I had a pair of black mary jane's that I've had for five years, but they were starting to get worn down. should i just address it to the 'charge card customer service' or should i address it to the CEO or some type of management? all the contacts are linked above. The purpose of this letter is to spread goodwill, without promoting any hidden agenda. I have had a BoA Credit Card for ~10 years that has mostly sat unused. I received an email back within 2 hours that my account would be reviewed. It really all happned so quickly. Sample Credit Inquiry Removal Writing. -- (BUSINESS WIRE)-- Kohl’s Corporation ("Kohl’s" or the "Company") (NYSE: KSS) today announced that Chief Executive Officer Michelle Gass plans to step down as CEO and member of the Kohl’s Board of Directors (the “Board”), effective December 2, 2022, to accept another opportunity. Dhand875 • 7 mo. You’ll also earn some Yes2YOU rewards points worth another $30 or so. CAPITAL ONE GOODWILL SUCCESS (X4 LATE PAYMENTS) I succesfully have had 4 late payments removed from my report from 2 capital one card as of this moring.