Borrowing – 20th CVETSMEM Thu, 17 Nov 2022 03:50:50 +0000 en-US hourly 1 Borrowing – 20th CVETSMEM 32 32 Top No Credit Check Loan Providers For Bad Credit Loans: The Best Bad Credit Loans With Guaranteed Approval Mon, 24 Oct 2022 03:07:12 +0000 You could find yourself in a bind. It can be anything that needs money, as quickly as auto repairs, unforeseen medical expenses, or anything else. You may come up with a loan as a potential answer. You are concerned about finding assured approvals for negative credit loans. Additionally, you could not have the highest credit, […]]]>

You could find yourself in a bind. It can be anything that needs money, as quickly as auto repairs, unforeseen medical expenses, or anything else. You may come up with a loan as a potential answer. You are concerned about finding assured approvals for negative credit loans.

Additionally, you could not have the highest credit, which would lengthen the procedure considerably. Thankfully, getting a loan with terrible credit and guaranteed approval is feasible. They are real. If you’re fortunate, you could even be able to get financing the next day. Does it seem like it may be a scam? Though it is! Don’t just take our word for it; we’ve compiled a list of the best internet resources to assist you in obtaining a loan that is sure to be approved, although your FICO score suggests otherwise. Without further ado, here are the finest locations to apply for guaranteed approval for poor credit loans.

The Top 5 Brands For Guaranteed Approval of Bad Credit Loans

To decide which lenders may be trusted, we investigated the services they provide, the sorts of issues they address, and their reputation in the financial lending industry. We did extensive research into these platforms, assessed them using a set of standards, and then decided whether or not they should be on our list.

  • The Most Reliable Lending Platform For Loans With Bad Credit is GreenDayOnline.
  • DimeBucks: The Best Platform For Loans With Bad Credit Overall
  • PaydayDaze – Customer-focused Loan Seeking Services
  • Quick Loans Processed For People With Low Credit Scores | ZaxLoans
  • The easiest kind of bad credit loan available online is KashPilot.

#1. The Most Reliable Lending Platform For Loans With Bad Credit is GreenDayOnline.

You are introducing GreenDayOnline, the second online resource on our list. It also links you to lenders associated with it, much like DimeBucks. Several loans that are harder to obtain on other sites may be found here. They also offer incredible financing speed, allowing you to get your money the same day or, at the latest, the next day. You will get an online application to complete. In comparison to DimeBucks, the restrictions are a little more flexible here.

The straightforward online form will request the following information from you:

  • You must provide documentation that you are a valid US citizen. This includes a copy of your SSN and your residence documentation.
  • You must earn a consistent income. No information is provided on the source of this revenue, however. Disability or social benefits are two options. The source may be self-employment. Everything is acceptable.
  • Once again, you must have a bank account in your name.
  • We’ll also need your phone number and email address.
  • You must also be at least 18 years old.

After completing this procedure, GreenDayOnline will take the data you provided and send it to their network of lenders. Lenders that believe they can help your case will get in touch with you after they get it. Again, data encryption technology is used to secure all of your personal information here. Any trustworthy platform or lender will take precautions to prevent the abuse of your information.

You may get the following types of guaranteed approval for poor credit loans:

  • A personal loan is intended for various purposes and often has more flexible conditions. In any event, this depends on your borrowing habits and why you’re taking out the loan.
  • Student Loans – This is for you if you’re a student with poor credit, which is more prevalent than you may think. This is true for all costs associated with schooling.
  • Auto Loans: Want to purchase the automobile of your dreams? Having some difficulty? Get a car loan. This is for everyone who wants to pay for anything linked to a car.
  • Business Loans – Does this month’s cash flow seem a little thin? To get things moving well, you may need to invest some money. This loan is ideal for you if it describes your circumstance.

GreenDayOnline provides unsecured loans. This implies that you could get loans with higher interest rates and APR. The benefit is that no one will use your possessions as collateral. You won’t run the danger of losing your priceless items if you can’t make payments.

As its name suggests, GreenDayOnline focuses on helping those with bad credit. With this platform, all FICO scores are allowed. If they cannot assist you directly, they will assist you indirectly with any credit-related issues. On their website, there is a whole section devoted to financial education. This contains details on various loan types, how they operate, how to spot debt collection fraud, and other crucial subjects. There is yet more to it. They will connect you with alternative credit-related items if they cannot assist you in obtaining a loan. Such items may be credit repair businesses. Your credit score will rise. As a result, they are making it easier for you to get better loans.


  • A greater $10,000 borrowing limit is in place. If you have poor credit, this can be lower.
  • You have access to special loans that are not available via regular sites.
  • Comprehensive financial education geared toward assisting the client.
  • GreenDayOnline provides its services in all 50 states and is connected to several lenders in the United States.


  • Since the 1990s, GreenDayOnline has been a seasoned platform.
  • Quick funding time. Users have said that they got their money on the same day.
  • Its criteria are relatively lenient. There is no set financial goal that you must achieve.
  • Numerous personal loans, including business, vehicle, and school loans, are available here.


  • Not a lender directly.
  • On this website, the BBB doesn’t have the best reputation. On other reliable sources, there are also a lot of favorable evaluations.

Customer feedback

With GreenDayOnline, your APR rates align with the industry standard of 5.99-39.99%. Most clients are happy to accept a loan at this interest rate since it is a pretty acceptable rate.

You may borrow between $1,000 and $10,000 here. If your credit has been bad, this amount may be smaller, meaning that the most you may borrow is $5,000. However, most consumers have continued to claim that even having poor credit did not prevent them from getting approved for this loan.

#2. DimeBucks: The Best Platform For Loans With Bad Credit Overall

The top brand for guaranteed acceptance of poor credit loans is DimeBucks. It is a virtual platform that acts as an intermediary between the borrower and the lender. How is this accomplished?

DimeBucks only provides this service; it has a list of lenders who deal with various circumstances and scenarios. Each of them has its set of rules and regulations. With the help of DimeBucks, borrowers may find a lender prepared to consider their circumstances and current credit score.

Before they can be approved for a loan, DimeBucks customers must be able to check off a few items, such as:

  • You must make at least $800 monthly to qualify for a monthly income.
  • Must be 18 years old or above
  • You’ll also need a bank account of your own.

The use of DimeBucks and its services is completely free. With over 60 prepared to deal with instances like yours, they also offer an amazing selection of lenders. You simply need to sign a few simple pieces of paperwork you may obtain online to complete the procedure. Following your signature, the website starts working on locating your financial solution.

Additionally, DimeBucks provides a variety of programs and loans. Which are:

  • Installment loans are repaid in regular installments each month. You and your lender will agree on the details of these.
  • Title loans fall under the category of secured loans. They accept any asset as collateral, but the benefit is that they have low standards and don’t do any kind of credit checks. Additionally, secured loans sometimes have lower interest and APR rates. Additionally, they are renowned for getting granted promptly and for various sums.
  • Payday loans function like installment loans. You have a predetermined amount deducted from each pay period. Until the debt is fully repaid, this is carried out each month. They have higher interest rates since they are less secure than title loans. It would be beneficial if you were certain that you could repay these loans within the negotiated conditions.

You should remember that DimeBucks is not liable for any restrictions lenders could place on you. As a result, lenders may set their own APRs, payback periods, and other conditions; DimeBucks cannot impose its terms or negotiate on the lender’s behalf. They only link you, the lender, and you will deal with everything else.

Each state, except New York and Connecticut, has DimeBucks accessible. If you happen to be reading this there, you’re in a bit of trouble.


  • A million plus users.
  • I approve of poor credit.
  • Emphasis is placed on $5,000 short-term loans.
  • Free of charge.
  • Reviews that may be trusted.


  • Fantastic funding speed
  • Customer data is safe and shielded.
  • It offers a variety of loans.
  • We are obtaining money to handle the majority of personal emergencies.


  • The monthly income minimum seems a little onerous.
  • Living in New York or Connecticut can be a problem since those states don’t have it.

#3. PaydayDaze – Customer-focused Loan Seeking Services

You may also get loans from PaydayDaze, ranked third on our list and renowned for providing a high level of security for borrowers. PaydayDaze offers loans, which you may acquire by clicking here. If you’re interested in knowing more, you may visit their website. You simply need to provide them with the following information to be approved for a quick loan of up to $5,000: the amount you need, your zip code, and some personal data like your Social Security number, email address, and birth date. All that’s left to do is wait for them to accept your application after that. You just need to perform this one action, which is all that is necessary to acquire a rapid loan. The most recent PaydayDaze Review has a description of it.

If the loan is approved for you, the money may be sent into your account in hours rather than a day. Additionally, it won’t take you more than a few minutes to do any of these procedures. You get prompt answers. You do not need to worry about leaking any of your personal information. You should be aware of that. There is no need for you to worry about the revelation of any of your personal information if this is something that is causing you anxiety. This service will provide access to many direct lenders, which will be advantageous if you have difficulties managing your money.


  • There are loans up to $5000 available.
  • swiftly and simply
  • A simple program that is accessible online
  • Secure


  • Less than 24 hours for the transfer of monies
  • a simple and quick application procedure
  • I’ll protect your privacy.
  • reputable lenders


  • It could be difficult to locate an equal

Customer feedback

According to client testimonials, this loan can help you enhance your financial status by doing the necessary paperwork on your behalf and offering assistance. At the same time, you make efforts to make it better. This is only one of the several ways they may ultimately benefit you. Additionally, because each of the lenders has been properly investigated, you won’t need to worry about falling victim to fraud. Customers are hence devoted to this service.

#4. Quick Loans Processed For People With Low Credit Scores | ZaxLoans

Zaxloans is third on this list. In 2015, an online loan platform was created.

Although every website on our list caters to those with terrible credit, ZaxLoans stands out from the competition since it provides peer-to-peer lending as a loan option.

Peer-to-peer lending occurs when two people lend money to one another directly without going through a bank. It also takes 500 credit scores, which is uncommon.

ZaxLoans requires a few prerequisites. These are fundamental requirements like being 18 years old, being a citizen of the US, having a bank account, and giving your phone numbers. You will also be questioned about your employment, income source, payment method, and employer’s details.

Additional requirements include your social security number, proof of identification, and the state you’re from. Although it may seem like a lot of your data, you shouldn’t be concerned. To ensure that your data is secure, these markets employ encryption software.

In addition, you’ll be questioned about your occupation and if you presently possess a car.

The requirement that you earn $1,000 each month is the strictest one. Even though they could qualify for the loans, this might discourage many individuals from applying.

The APR you may anticipate from ZaxLoans runs from 5.99% to 35.99%, which is typically the average industry rate. The loan periods are likewise typical, ranging from three to seventy-two months.

ZaxLoans offers several financing options. Customers may acquire short-term loans for an automobile, medical, student, mortgage, and debt consolidation purposes.


  • The detailed application procedure is used to identify the most relevant lenders.
  • Everything is online, so there are a lot of conveniences even if there is no app.
  • A lender is quickly connected to you, and financing is completed with excellent quickness.


  • Loan types
  • BBB’s rating is B.
  • There is no collateral required since it provides unsecured loans.
  • Offers $10,000 or more.
  • Accepts credit scores of all kinds.


  • According to several evaluations, the website has been sending them too many emails.
  • High borrowing rates and APR.
  • zero direct loans

Customer feedback

According to the testimonials, ZaxLoans connects you with a lender appropriate for your situation, saving you valuable time. It doesn’t squander any of the data you provide. It doesn’t only link you up with lenders. Any lender with whom you are matched will be suitable for your circumstances.

The customers greatly value this security month. You won’t lose your possessions if you default, but you will be assessed a price. The clients place a high value on this security.

#5. The easiest kind of bad credit loan available online is KashPilot.

KashPilot is the item after that on our list. This one offers the biggest borrowing capacity compared to the other platforms we’ve discussed. You may get loans from $1,000 to a staggering $35,000.

Three different loan kinds are available here:

  • Inter-peer lending. This enables you to borrow directly from another person without using a bank as an intermediary.
  • Loans for individual installment. This enables you to repay any personal loans you take out in payments.
  • Individual bank loans. Enable you to take out a range of personal loans that may be used for anything.

You’ll be happy to learn that they are more lenient concerning application criteria than the platform before this one. If you want to use Kashpilot services, you must be:

  • A citizen or national of the USA.
  • Your social security number is required.
  • You must be at least 18 years old.
  • You must provide details about your bank.
  • A checking account in your name is required.

There isn’t a criterion for income here, but you must have proof of income. This might come from any source, including social security payments or disability compensation.

Here’s the typical APR of 5.99-39.99%. This may vary amongst lenders. Those with bad credit will have to contend with higher interest rates and APRs.

KashPilot uses your monthly income, payment history, and other criteria like these to determine how reliable a customer you are.

There are a plethora of lenders that KashPilot could be able to introduce you to. Thanks to this and the straightforward application procedure, you may complete the full loan-finding process quickly and efficiently thanks to this and the exact application procedure. It will take less time for you to select a lender and compare their rates, which will speed up the loan process.


  • The procedure happens quickly. In an emergency, this is a viable alternative for large loans.
  • The borrowing cap on this platform is the greatest of all we’ve covered thus far.
  • This website focuses on personal loans since they are common and may be used for many different purposes.
  • The application criteria are not as stringent as the other platforms listed here.


  • Good for various circumstances – a modest loan or a huge one, you’ll be able to handle most crises financially.
  • There are several lenders in the network. This speeds up the matching process.
  • All of your loans are unsecured, so you won’t lose any of your personal belongings.


  • Even if it does provide outstanding loans like peer-to-peer borrowing, there is not enough diversity overall.

Customer feedback

Only soft credit pulls, which do not affect your real credit report and score, are performed on our website. This explains why this service seems to be highly valued in many client evaluations.

This also allows you to compare prices from other lenders without negatively impacting your credit score through hard credit pulls. You ought to benefit from this. It enables you to collect data and choose the best course of action for your circumstances. Additionally, consumers seem to respect this truly.

How To Get A Loan With Bad Credit

You should hunt for specific requirements that meet your demands to get the finest poor credit loan feasible.

  • Interest rates: Make sure every item on this list has the lowest interest rate available.
  • Convenience – You must select a brand that makes applying for a loan simple.
  • Speed is important since you must select a loan to deliver the funds on schedule to cover your bills.

Loan alternatives

If you have terrible credit, there are a few alternatives to bank loans. Here are several possibilities:

  • Try to seek personal loans instead. They are accessible and safe and may be acquired from internet lenders like those on our list.
  • Can the loan be avoided? – You must be certain that borrowing money is your only alternative. Even while we’ve included several reliable sources for loans on our list, it doesn’t always imply you should start there. Ideally, you should avoid loans if possible. If you already have low credit, you don’t want to risk damaging your credit score by missing a payment. Conversely, making your payments on time will raise your credit rating. Every financial move you make should consider your credit score.
  • Credit card advances are available even to those with low credit scores.

Beginner’s Guide: Everything You Should Know Before Choosing To Take Out A Loan With Bad Credit

  • Terms and Conditions – A crucial component of the whole procedure are the terms and conditions. This is since the amount you are borrowing is merely the very beginning. The loan’s terms and conditions determine how it will be repaid. Big loans do not nearly lead people into debt traps as often as poorly understood terms and conditions.

What constitutes excellent terms and conditions? You may be askingboth the lender and the borrower profit from these. For instance, unfavorable terms and circumstances can include an extremely high-interest rate, even for loans for those with terrible credit; this would be taking advantage of your position; exploitation occurs when only one side benefits. A contract cannot be changed after it has been signed.

  • How to spot a debt scam – Any lender who exerts pressure or coercion on you is a fraud. Legitimate lenders will first fully explain their services to you and evaluate your circumstances to see if it is compatible with the services they provide. They will set up a reasonable strategy to help you if it is. This way, you won’t feel pressured to accept or sign anything.

These lenders are not looking out for your best interests. They’re probably trying to take advantage of you to earn fast money.

Additionally, you want to avoid any lender whose terms and conditions aren’t explicit. They need to be simple to comprehend. We ought to talk about them with you. Legal loopholes are often created using cunning wordplay. A warning sign is when you don’t grasp something and can’t adequately express it. Before giving you any credit, a competent lender will safeguard your information and go through your past. Watch out for those who don’t. Be as wary of anybody who asks you to fabricate any information, such as your salary. This is forbidden.

  • Before taking out any loan, consult a financial expert or a loan broker. This is done so that you are aware of all of your possibilities. You can acquire the finest loan for your circumstances if you do this since it will help you make the best selection possible. It is a good idea to get the assistance of loan brokers or financial consultants because they often know the rates offered by various lenders in their location. When it comes to taking out a loan, there is a lot to learn, so it doesn’t hurt to be informed.
  • The annual percentage rate (APR) and supplementary charges are further considerations. APR, as opposed to an interest rate, includes any extra costs associated with a loan, such as origination fees. These may gradually add up to a sizable amount. Any additional charges should always be discussed with your lender.
  • Terms of repayment: Repayment is an important component of loans. You are aware of the terrible effects of debt cycles. They could leave someone financially helpless. However, how do they begin? The repayment of personal and short-term loans is often when these debt traps begin. One of the most popular types of loans is these two. You’ll have to cope with increased interest rates starting the next month if you don’t pay them back. Understanding interest rates might be challenging, but a fundamental idea to keep in mind is that the rate will probably rise for each loan default. You can be required to pay back more than what was first negotiated. There is minimal possibility that you will repay with additional fees if you initially have trouble repaying the loan. You thus fail to repay once again, and the cycle continues. Your debt cycle has started. For citizens of the US, this issue occurs often. Mortgages and student debts are common issues for most individuals. You find yourself in a debt cycle as soon as you add a vehicle repair loan and a short-term personal loan to the mix. Make very certain that you can repay before signing.

Questions and Answers about the application process for payday loans

The loan application procedure could seem to be challenging. The lender often receives a variety of questions from borrowers. These kinds of concerns, whether they are regarding the method or the integrity, are quite common. It may be challenging to comprehend the variations among the many loan forms, how they function, the advantages and disadvantages of each, and the obtainable possibilities. Due to this, we have created a list of the most usual queries borrowers have about online markets and payday loans.

What risks come along with obtaining a loan in the short term?

There are a few risks associated with repaying these types of negative credit loans that must be considered. They have the potential to swiftly become debt traps if you don’t follow the repayment requirements. This is one possible disadvantage of a quick loan. The second benefit is that since they are small and short-term funds, the restrictions for participation are often less demanding. However, there is a caveat to this.

Their interest rates are much higher, which is a drawback. Your interest rates will inevitably be higher if you have bad credit. These risks might trap you in a vicious debt cycle where you are compelled to make loan payments on time while simultaneously trying to extend the loan. You must assess your capacity to make the necessary repayments on schedule. The effects of not repaying a loan may sometimes be much worse than the issues that the loan was designed to solve.

What Alternatives to Loans Do You Have?

If you find that you are not eligible for a loan or if you just do not want to subject yourself to the interest rates, monthly payback in installments, and other obligations connected with loans, there are alternative solutions accessible to you.

You have choices, including joining a credit union, which will be advantageous if you choose that path. Interest rates provided to members by these groups are often greater than those offered by banks. You may also borrow money from close friends and family members. It may be advantageous to look for an investor or an angel investor if your business cannot apply a line of credit. These investors often have a strong public profile and contribute their funds to business efforts.

Where and how can I get a better deal?

Only your credit score will determine if you are approved for an unsecured loan for people with bad credit. If you compare rates, seek financial advice or counseling, go to reputable lenders, and have a good credit score, you may be able to get the best deal for yourself. This will assist you in obtaining the greatest value for yourself. Good credit score holders are often quite simple to deal with and lend money to. You ought to be able to locate a good deal at most of the places you go.

If you have bad credit, it is even more challenging. You need to raise your credit score a little bit. To find out whether there is anything that may be erased, you might need to get a copy of your credit report from one of the agencies. Even while it may not directly lead to an increase in credit score, this will still help. Unfortunately, improving one’s credit in a real sense takes a lot of time and requires commitment and wise financial decisions. There is no fast way past this obstruction.

However, the following is a list of some more prudent financial choices you might make:

  • You are paying promptly. The most crucial factor in establishing your FICO score may be whether or not you have been delivering lay payments. The easiest action to raise your credit score is to make your payments on time.
  • You were repairing tarnished credit. Did you know that obtaining a copy of your credit report from any of the three major credit agencies is entirely legal? You may also verify them independently for any errors of any type. If you discover even one, you can challenge it, and if you are successful, the mistake will be eliminated from your report. You may verify them for any errors by yourself, and if you discover even one, you can challenge them. Giving DIY credit repair a try at any moment has no disadvantages.
  • You must meticulously document each financial transaction. The activities you’ve been engaging in lately affect your score. You ought to reduce the number of loan applications you submit. This may hurt your grade.

Conclusion: Using the best lending sites that approve loans for those with bad credit may avoid becoming caught in a debt trap.

Finding guaranteed approval for negative credit loans may be a highly stressful affair. When your credit score isn’t great, it may be difficult to get a suitable loan that doesn’t break the bank and trap you in debt.

We’ve compiled a list of platforms known for quick financing times for your benefit. These are all trustworthy sites that can assist you in finding the best loan for you as quickly as feasible. The monies should arrive the same day or, at the latest, the next day.

We hope this post helps you better understand the loan application process when you have terrible credit, how it all works, the advantages and disadvantages of one, and your alternatives. The more prepared you are financially before taking any loan, the more likely you will choose one advantageous to you and suitable for your needs.

How to Select the Most Suitable Internet Payday Loans Network Wed, 22 Dec 2021 15:12:28 +0000 How to Select the Most Suitable Internet Payday Loans NetworkEach of these payday loan sites acts as an intermediary that connects you to your prospective lender. They are not in control of particulars like the rates of interest as well as repayment policies and terms, as well as numerous other variables that are in play. Therefore it’s up to you to determine the authenticity that the […]]]> How to Select the Most Suitable Internet Payday Loans Network

Each of these payday loan sites acts as an intermediary that connects you to your prospective lender. They are not in control of particulars like the rates of interest as well as repayment policies and terms, as well as numerous other variables that are in play. Therefore it’s up to you to determine the authenticity that the lending institution is legitimate.

The primary convenience that payday cash loans offer is evident instant cash.However, the risk is numerous, so you should be cautious when you accept an offer.It is important to know the what, how and the reasons behind payday loans online may help in a pinch.

Choose Your Preferences

It is vital to establish your financial goals set from the beginning. So, you’ll be aware of the sacrifices you’re willing to make and whether you should take the risk. Being upfront with yourself will save you lots of stress and trouble. It could also possibly, more important, help you stay out of the cycle of debt. Before you take up an offer, consider your options. Are there any people you could request a personal loan from? Do you have the option of requesting an account with a credit union? Do you think the cash you’re trying to borrow really necessary?

Research Interest Rates

Payday loans on the internet, in general generally, have higher rates of interest. This is due to the fact that most of these sites cater to people who have lower credit scores, which is somewhat riskier than lending to people who have higher credit scores. So, lenders choose to bet with higher interest rates.

In addition to the high cost and, in some instances due to of the same, taking out payday loans could make the task of meeting your monthly needs more difficult, as it creates an additional expense to pay. In addition in the event that you fail to pay your loan on time and this is a negative factor, it can affect your credit score, also. Because the majority of loans must be paid off promptly, it’s extremely easy to be late or even fail to make a payment. The majority of borrowers take out a loan renewal or end their loans only to look for a new loan the next month.

The key is knowing the amount or how much to accept. Keep in mind that lower amounts will be more likely get approved, and they are also simpler to pay back.

Military Service

If you’re serving in the military or are a veteran or have a relationship with one, you are required to be able to provide the information required. If not, you need to let it be known because special requirements and arrangements are available for loans to those who have served in the military.

Verify the Lender’s APR Policy

One of the quickest methods of identifying a bad deal is to pay little or zero attention to the APR of the lender’s site. A reliable lender will be upfront and honest with you regarding the total amount of the loan. If you are unable to find rates of interest on the lender’s website this is usually an extremely bright red warning.

If the emphasis is on a loan that has a long-term horizon this is generally an excellent indication that you need to consider an alternative. A longer period of repayment particularly when you consider more expensive interest rates will almost certainly mean that you’ll end up paying more than three times the amount you initially borrowed if you only pay interest.

Beware of too-good deals

Does your lender offer zero credit checks? Do they offer the right amount without any questions? If you think it’s too amazing for its own good, it is likely because it’s.

While these platforms can be used for an easy and quick method of acquiring money, be cautious of lenders who try to pressure you into making the decision-making process or might be a bit too insistent that you accept their offer.

Many online users will profit from your desire to deal with an emergency. They’ll paint a perfect picture, only to continue to entice you and, often, drive you into an inescapable cycle of debt, with an emphasis on an apparent. There are many methods to escape an unfavorable deal. But, if you’re going to trust us, it’s best to avoid the deal altogether. Don’t let stress distract you and do your research prior to signing any offer.