How to Save Your Struggling Small Business

Running your own business means you should be ready to face the risk. One of them is your business to be struggling during a crisis. There are various reasons on why your small business ended up struggling. Financial crisis is one of the most common factors. However, it doesn’t mean that you have failed already. You still have chance to get it back in line with some efforts and strategies. Besides, experiencing ups and downs in business is common for business owners. Business is not for the weak anyway.

Getting your struggling small business back in line

There are many forms of how your business is struggling. What you need to do is stay calm and find the right solution to get it back in line. Of course, it is easier said than done because many business owners failed to do so. Remember that your finance is one of the most crucial factors in getting back your struggling business. Here are some tips you can consider:

How to Save Your Struggling Small Business

Finding the Root of Problem

The first thing you need to do when your small business is struggling is to find the root of the problem. Even if you are struggling to find one, there must be one when you search enough. Most of the problems is rooted from financial plan. Thus, you can start digging the problems from there.

Never overestimate

One of the most common mistakes in financial plan is that when business owners overestimate the income of the business they run, be it net income, profit, etc. at the same time, they underestimate the expense. Both are not supposed to do when running business because they can lead to disaster in your financial setting. Remember that business is about game of number. It is important to calculate everything thoroughly and carefully so at least you get estimation the closest to reality.

Control Spending

The money that you earn from running your own business is meant to be spent. You should spend it and that’s the how the cash flow works. However, do not spend all of it or do not spend it too much.  Instead of making random decision on how you spend the money, it is much better to make budgeting of business expense. Thus, you will know what your priority is and you know where to spend your money. Budget management is important because the unexpected is possible to come so you always need to be prepared with the cash in your business account.

Keep Track on Financial Life

Manage your writing business financial life. This way, you can keep track of your business expense. You will be able to see where the problem lies that cause your business to struggle much. While finding out the cause of the problem, you can start arranging and managing your finance to the better. Remember that you need to make positive cash flow so your business will stay afloat in the long run. From the beginning of running your business, make sure that you don’t mix business and personal finance because it can cause so much troubles than you expected.

From Beaches to Beaches with Komodo Boat

The New 7 Wonder of Nature Komodo National Park is filled with some of the best beaches in South East Asia and the Komodo boat is the best vessel to embark on sandy exploration. Here, we have compiled a mix of most phenomenal beach in Komodo and some best-kept secret that should be make it to your Must-Do list on a Komodo holiday trip!

From Komodo Boat to Beach Galore! Where to Go?

From Beaches to Beaches with Komodo Boat

The Cotton-Candy Like Pink Beach

Do you know that pink beach is one of the rarest beach on earth? Most of travel sites and guides said that there’s only around seven to twelve pink beach in the whole world. The Komodo National Park is very lucky to be blessed with the presence of several rose-hued beaches on several of its coastlines. The Komodo Islands’ Pink Beach is located in the other side of the dragon park—means you need to sail on the back of the island with Komodo boat.

To reach the Pink Beach (or locally known as Pantai Merah in local tongue), you need to hike and climb down the rolling hills of dry grassland. The picturesque views from above the savannah hills reveals a stretch pink blush glows as the sun hits the sands. This is where the cotton-candy like sands meet the brilliant turquoise water—like a piece of neverland. Thanks to the presence of red corals, which microscopic shreds were gotten carried by the waves and mixed with normal sand grains, resulting on beautiful pink beach that we know.

The Floating Beach, Taka Makassar

Other must-visit destination on Komodo boat trip is Taka Makassar, the “Floating Beach” made of big sandy atoll. A bright, crescent shaped “island” filled entirely by stark white sands, free from any palm trees, beach huts, and whatsoever. The Taka Makassar is a pleasant surprise in the middle of the sea. This little island only come to the surface when the tides are low, and would get drowned again when the sea tide risen. The Taka Makassar located just miles away from the phenomenal Manta Points—a special dive set for Manta spotting. This island was surrounded by shallow water, where you can swim like in swimming pool or stay afloat comfortably with your Insta-ready floaters.  

Read More: Finding Rare Happiness with Komodo Yacht Charter

The Snake Island

Komodo might have Kalong (Big Bats) Island which the bats are the only habitants. But that doesn’t happen on the Snake Island. The Snake Island is another sandy atoll—a little smaller than the Taka Makassar, shaped like apostrophe with long tail—which seen like a snake tail from the above. Similar as the Taka Makassar, the Snake Island is surrounded by shallow water, which means the Komodo boat could not go near to this tiny island. You need either to swim to reach this island (if you can handle the currents—or hop into small boat. The bright shallow water features jellyfishes (which are pretty, but you need to stay away from), starfishes, small fishes, and beautiful small corals that would surely brighten up your day. Not everyone knows the Snake island, so there’s high probabilities to have it for yourself!

The Empty Beaches of Mauwan Island

Just like the Snake Island, the Mawan Island is also quite hidden from mainstream travelers. Only the true adventurers has probably found this small, deserted island among other 28 islands within the national park. Mawan is nothing but simple and beautiful. It promise nothing, it provides nothing, yet this little uninhibited island will deliver one of the best beach-venture experience on your whole life. Take a short trekking to the hills to catch stunning view; sun rays reflected on the vast sea below, the bright and blue sky above, and the neighbouring islands on the horizon. Go down and let your bare foot touches the softness of the sands. To your surprise, Mawan islands also hides glimmering pink beaches on one of its side!

Mortgage Default in Property Investment

Mortgage is common in property investment business and it is related to financial circumstances. You see, not all investor can afford an investment property. Thus, they turn to lenders such as banks to borrow money so they can purchase property they want to invest.

It sounds simple but lots of investors are a little scared of mortgage due to its interest rates. However, mortgage can be really helpful if you choose the right one. Thus, it is highly advised to not being rush in choosing the right lenders that offer the best loan contract and credit policies.

About mortgage default in property investment business

Lots of people only focus on the rates when it comes to mortgage. However, there is more than that you should focus on. Before signing loan contract, you need to make sure that you understand every term and condition so you know what you are committed to.

Of course, the possibility of rising interest rates in the future is terrifying for investors and that is one the most common reasons why they are so stressed about it.

Things to know about mortgage default in property investment business

It is also important for you to understand about mortgage default just in case something bad happens to your property investment business. You see, sometimes bad things are inevitable. Before it even happens, you need to have exit strategy so you won’t suffer from severe loss. There are various reasons of mortgage default.

The most common reasons is a death in the family. This is unpredictable and inevitable at the same time. Another impact of this situation is financial burden that is carried by the remaining families such as funeral service, burial, cremation, etc. If the person who passed away has partner, the remaining one should move to a single home which cost as well.

Next common reasons of mortgage default is separation or divorce. When a property is owned by couple or spouse, it can cause mortgage default. Finding the right solution for this matter can be tricky. This reason also takes the longest to deal with especially when the separation is on bad term.

The financial burden is hard to decide because both parties usually have their own arguments. Another common reason is unemployment and sickness. When you stop working, it means you don’t have income. It means you won’t be able to fulfil loan repayment.

These situation are also unexpected so that’s why you need to do your best choosing the right loan contract from the start.

There is bad situation in property investment business regarding to mortgage. It is when investor spend their 30% or more of their pre-tax income on property loan repayments. This situation is not good for investors. However, lots of investors apparently have experienced this type of stress. Of course, it doesn’t mean all investors will experience it.

However, investors that borrowed too much to start off are likely to experience this. They tend to be in more unfortunate situation when there is even small rate rise. Mortgage stress is different from cash flow downturn. The situations and the impacts of both are different in various sense.

Recommended Best Locations for Surf Camp in Morocco

Morocco is the country located in the north of Africa. Even though the country can also be considered as the deserted country, it is actually has some beautiful beaches that can be a dream for many surfers in the world. With the stunning beaches and shorelines, Morocco has also becoming a home for many of the surf camps in Africa.

A surf camp in Morocco and any other countries in the world is basically a place for travellers to learn how to surf. Many travellers are calling it as the surf school as well as the surfing course.

And as the surf camp is provided for travellers, it then becoming one of the interesting travel package you can try for yourself alone or when you are in a group of travel. It works for both sides and a surf camp in Morocco will even getting better for you to have fun if you are bringing your friends or family along.

Recommended best surf camp locations in Morocco

Best locations for surf camp in Morocco

Since the surf camp travel idea in Morocco is increasingly on a high demand, you may will need to know which are the best locations to start your surfing journey as beginner. And yes, it is truly recommended for the new born surfers out there even though the locations may also good for the advanced surfers.

1. Crocodile Surf Camp at Tamraght, Morocco

The interesting thing about this Morocco’s surf camp is that it is a perfect place to learn surfing for beginners as well as for those in a intermediate level.

Don’t be tricked by the name though! There’s no crocodiles around. The Tamraght area itself can be the most recommended place you wanted to be when its come to surfing.

The crocodile surf camp itself is also providing you the vary accommodation options. You can start by booking the single room, double and up to 3 bedrooms with the security will be stand by for 24hrs.

For this surf camp itself, there are two main classes prepared for the beginners and the intermediate lessons. Feel free to choose in what level are you in surfing.

2. The Magic Bay Surf Camp at Imsouane, Agadir

If you want to experience the surf lessons as well as exploring the fishing village in your spare time when you are in Morocco, then The Magic Bay Surf Camp of Imsouane at Agadir is where you are heading to.

This is one of the best surf camp Morocco where the cozy house as your accommodation located in just one minute form the closest beach and 5 minutes to the bay as the main spot for surfing in the area.

The village is also located at the Atlantic coast so when you will be there, you may have more experiences to enjoy and stories to tell.

Besides at the Imsouane beach to start your surf lesson, there is also another one surf spot closes to it called as the Cathedral that has been a good spot for all level of surfing abilities.

3. Dakhla Lagoon Surf Camp at Dakhla, Oued Eddahab

There is an unique thing about this surf camp in Dakhla that can be impossible for the other surf spots in the world. It is about the location itself why I am recommending you to experience this surf camp in Morocco and why this can also be the first spot for your surfing lesson.

The unique aspect I am talking about the Dakhla Lagoon Surf Camp is it is located between the desert, lagoon and the ocean. How many chances for the other surf spots will have such uniqueness?

Should You Sell Your Rental Property Located at Travel Spot?

Should you sell the rental property you have had that located at travel spot? It seems to be the hard question and I believe that many of us will have our own arguments.

And at the end, we won’t really know the answer ’till you are deciding what the best thing to do. And no matter what your decision will be, that can be the best for the time. No more hard thinking but you will find some days or weeks ahead if you are going to regret your decision or not.

Should I sell the rental property at travel spot?

As the travel spot is great for almost any available businesses, selling the rental property can be important decision you have made in your business career.

It is not really easy no matter how logic you are trying to think and no matter how many references and business consultants you have visited. Selling the rental property at travel spot is also means that you are going to sell the existing values it has along with its future potentials.

So that, you’d better think twice or even thousand times if you are going to do so.

So, why the other businessmen are selling their rental property?

We have never truly know what happened to someone or what the business goals they are trying to achieve. Sometimes, people are doing things because they will need more money to build new business they love, paying the taxes that have not been paid, getting too many troublesome in maintaining the rental property itself and many more reasons.

If we have got the reasons to build the rental property at travel spot before, then I think that we will also need the reasons why we need to give it away to the other businessmen.

The next reason that will also supports the first reason on above is that the other people may have a major life event. It could be the marriage, moving to a new workplace, accident where I hope you won’t get this one and many more.

So even though rental property is a professional business, there will always the reasons that it will also be affected by the personal excuses.

The other may also just have got the new better sources of passive income. Basically, we are doing business to gain money. That can be the first value for many of us. And when there will be another sources that are better than rental property, then why not.

Selling the property may not the first choice you can get. You can still develops the the business to support the destination it located. But when you will combine some professional and personal reasons, if you think that you can’t holds it any longer, then hands it over to another business deal can be your solution.

There two questions to remind you whether you will sell your rental property or not. Both are; What the advantages for you? and what the possible things you could regret in the future?

You can also start by thinking about the “what if” questions to digging more about the decision on selling your rental property at the travel spot. You’ve got this idea, haven’t you?

In case if you won’t sell the rental property, you may want to get some inspirations and insight through out the various type of property business at the public beach. It may will help you to make a decision.

Important Reason to Start Your Graphic Design Career in Bali

Mostly, many people are considering Bali as only one of the world’s travel destination. But today, I will also recommending you to start your graphic design career journey in Bali for one of important reason.

If the other cities in Indonesia are good for running business, than it will also be the perfect place when you are doing it in Bali. Either you will be a graphic designer in an agency or offering your graphic design Bali services to the businessmen, you are welcome when you are starting them both in Bali.

The one and only important reason that I mean to telling you is that; Bali is providing you the customers from around the world. Just name the country you have in mind, there will be those people who came from the state you are going to spell out.

Now the main question related to that is: How come it is so important?

Important reason to start graphic design career and business in Bali

The first thing comes up in my mind is that, when you can get more customers from different countries, cultures, religions, etc, you will also learn about the graphic design “taste” from different people.

You will not only meet one point of view for an issue but there will be some or even more. That will enrich your knowledge and experiences as well. You will learn how to deal with them, what kind of design concept will be accepted and many more.

And since there will be more people from the other countries, you barely can meet such condition at the other locations in Indonesia. Bali is truly differentiates itself by that for long time.

Next advantage you can get is relates to your salary. Jakarta as the capital city of Indonesia may have a higher salary of almost any jobs, so do for the graphic designer. But, Bali is considerably is pretty much high for that as well. Ever since the graphic design is important for businessmen, the services then become much appreciated as well especially by the foreigners.

Starting your graphic design services in Bali is also easy. You can be a freelance after work and start your own business empire and many of customers are actually looking for the freelancers that they can meet directly and see if they can trust you or not.

That will be a good way to avoid taxes as graphic designer since doing that will be out of track for the government access. You are truly under the radar especially when you are getting customers through online, I think there’s still no tax for that online earning.

Through the clients that you have been met at work and as the freelancers, you are actually have been expanding your own business network. By the times, your have been well known by many businessmen while getting new clients occasionally. Therefore, if you are truly the graphic design enthusiast and want to start and take your career to the next level, you may want to try it in Bali.

But it all will be your decision. The other cities are also good for your starting point. But certainly will be far different with Bali especially the international market it has.

Understanding Tenant Market to Make Better Property Investing

Growing your property business may need you to pull your teeth. It is challenging but worthy. Managing property business requires you to handle lots of things.

Some of them hold the key to your success such as tenant market. Of course your property is your asset that you should make the most of it. Thus, purchasing investment grade property is a must from the beginning. However, your investment grade property won’t be a use if it is not tenanted.

You can pay your mortgage if your property is far from being vacant. Your tenants play a big role in maintaining your healthy cash flow after all. Thus, it is just reasonable to understand more about tenants market.

Seeing from tenant’s point of view

You should make your property desirable in the eyes of prospective tenants.

You should find out what the renters really want of ideal living condition.

Understanding tenant's point of view for better property investing

You also need to figure out what they really want from a prospective according to their lifestyle preference. Here are things you should know about tenant market:

  • Desirability is one of the most important point in tenant market. You should know what your tenants desire for their prospective homes. This will lead you to understand more how to make them happy and content. If your tenants are unhappy, it is easy for them to walk out. In contrast, they will be happily staying longer and prolonging their lease if they have ideal living condition that match their lifestyle preference. Of course it is challenging to find out what the tenants really want because every individual is unique in their own way. It will be easier to create desirability if you have target in the tenant market.
  • Aside from finding out what the tenants really want, it is also important for you to find out things that can piss them off. Tenants find it frustrating to have unresponsive landlords or property manager. They also find it annoying when they are restricted even for doing small changes to the property such as painting their room the color their want. You may also need to know that in the tenant market there are pet owners who are unhappy when they are not allowed to have their pet living with them in the property. By knowing what can make tenants run away, you can make more reasonable lease agreement and tenancy rules.
  • You need to find something you absolutely should have in your rental property. There are some things that you should have no matter what happens if you want to attract tenant market. They include large living space, well-appointed kitchen, air-conditioning and heating, convincing security system, nice out door space, etc.
  • You also need to know that neighborhood or location of the property can help you attracting tenant market. Thus, make sure you choose property located in safe neighborhood with good access to public transport. It is even better if your property offer great proximity to workplace and shopping amenities because that’s what tenants want in general.

Tips to Make the Most Out of Luxury Villas Seminyak

When visiting Bali as the businessmen or travelers, many people are staying at the luxury villas Seminyak for interesting reasons. They want to live and experience the beauty of tropical atmosphere around the beach with the other new travelers; both domestic and foreign people.

And that’s what people can see in a regular basis where people around the world are blending in all together and live peacefully side by side with the different cultures and religions.

As different people are requiring different accommodation, what travelers can find at Seminyak is a “free will.” They have so many options where to stay in various price. Don’t worry, all of them will always starts from the cheapest one to the highest rate with luxury and professional services as what the 5 starred hotels get or the luxury villas.

And if you have been decided that the luxury villas at Seminyak is where you are going to looking for, then I have some tips for you so you can really make the best and most out of your stay.

1. You can easily find the luxury villas with pool at Seminyak

First thing you can do to make the most out of your staying at Seminyak is to rent the accommodation with pool, a private pool since you won’t get disturbed by the public.

And there is a good news for that, most of the luxury villas has been provided with such facility so you can really enjoy your stay at Seminyak. I think that it is always interesting to have such a closer to the beach accommodation as well as the private pool in it. Water will be everywhere around you and that can be the best thing you can get when visiting Bali in summer.

Don’t ever try to rent the villa at Seminyak without the pool because it seems to be no price difference at all. Never waste the money in vein!

Getting a pool is a great idea for not only swimming and things, you can also get your skin a bit browned through sunbathing at the side of pool.

2. Don’t you think that a restaurant with a view and the bar is great for your luxury villas?

If both will be possible where the accommodation itself has its own bigger restaurant and the bar, how could you not changing your mind for that? Seminyak itself is an entertaining village and a place where you can be in the culinary paradise. So, it is better for you to find such luxury villas Seminyak with that amenities to make the most out of your stay.

Outdoor restaurant view owned by one of the luxury villas Seminyak
One of the outdoor’s view of restaurant around luxury villas at Seminyak.

And surely that there are some of such accommodations you can choose. I am telling you this not as the dream. It is the real true you can get while in Bali especially at Seminyak.

You won’t pay for the bar and restaurant ever since you won’t to be there, but it will give you an option where you can spend the time when you have nothing to do.

3. Rent the luxury villas Seminyak that is closer to the beach

Even though Seminyak is a village, its area can make you tired when traveling around it. It is actually a wider village than you think where you can’t even trust your eyes when seeing its map.

So that, to make the most out of your stay in the luxury villas at beautiful Seminyak, it is really recommended for you to know in what such place you’d like to stay. If you are the one who wants to live the best side of the beach, there you go, find a beachfront villa.

Even if you can’t get precisely such a villa with ocean view, at least the one that is closer to it can be the next main alternative where you can still experience how beautiful it is when the wind is breezing on your skins.

If you are wondering which one to be chosen, make sure that you are renting and checking in this luxury villas Seminyak when you are in Bali to get and experience all of the above interesting things as well as the others that I have not been mentioned.

Keep safe and healthy so you can enjoy your holidays in Bali one day by getting the most out of the accommodation you are going to stay.

Maintaining Good Relationship with Your Tenants for Smooth Property Business

Owning rental property requires you to deal with many things such as financial issues, maintenance, updated property market, and of course tenancy. All these things can be overwhelming and put you under a stressful situation.

That’s why it is always recommended by experts for landlord and rental property owners to hire property manager. However, there is a limit of what a property manager can do for you to keep your business flows smoothly. You also have responsibilities to keep everything neat and well, includes maintaining good relationship with your tenants.

What can put your relationship with tenants in jeopardy?

With property manager, sometimes rental property owners forget that they still have responsibilities to do and keep a good term with tenants is one of them. Remember that not only the property is your asset but so is your tenants.

They are invaluable asset you need to keep. Thus, it is important to know the things that can put your relationship with your tenants in jeopardy and more or less risk your rental property investment.

Poor communication due to emotional outburst

Poor communication skill can hard the relationship with the tenants in emotional worst way

There are many things that cause misunderstanding. One of them is poor communication due to emotional outbursts. Sometimes, tenants have their own problems that when they have minor complaint about your property, they take it out the wrong way.

And sometimes, you react the wrong way too. It can create tension that can lead to misunderstanding. Therefore, it is recommended to stay calm when you have a little dispute with your tenants because anger won’t solve anything.

Instead, you can try to explain the issue calmly so it can be solved efficiently without straining your tenant-landlord relationship.

Mistreatment from both parties

Respecting personal right is what you and your tenants should keep if you want your relationship stay for a long-term. However, sometimes there are problems relating to it.

For example, your tenants don’t take a good care of the property so there are many things to fix. On the other hand, you showing up unannounced in front of your tenant’s door is considered disrespectful as well. Therefore, you and your tenants should show mutual respect to each personal rights.

You should make sure that your tenants treat the property like it’s their own by taking good care of it. On the other hand, you should also show your respect by give a notice prior to your visit.

Unfulfilled promises

As a landlord, you have responsibilities to listen to your tenants. When something need to be repaired, you can’t just promise your tenant to fix it then forget about it. You need to fulfill your promise because it is your responsibility as property owner and landlord.

If you don’t want to have problem in the future regarding to promises and agreement, make sure to write everything down. Thus, you will be able to find the right solution when problems arise.

Aside from unfulfilled promises, your tenant-landlord relationship can be put in jeopardy due to different expectation. Thus, make sure to provide hospitable accommodation for your tenants.

Travel Inspiration: An Effective and Enjoyable Small Group Exploration in Nature

Some people have their own motivation to start the exploration to experience the beauty of the journey while acknowledge their self about something they need to find. While some can be encouraged by things or even as simple as the travel items that sometimes they have already got.

Effective and enjoyable small group exploration is one of the travel inspiration you can experience in nature with your friends or classmate. What if you are getting bored in a lab, using the weird glass for hours, waiting for the lab result and many things? Don’t you think that researching can also be taken place in nature?

That’s why it will be such good idea to tell you that you can still learn and find something in more enjoyable way by starting a small group of exploration out there. Simply tell your friends who will be joined in and see if they can be as interested as you are.

What is the small group exploration in nature means to be?

If you are the one that keep on spending weekend in a nerdy way as a bookworm, just so you know that it is a good thing to spent for. The thing is that, knowledge is also out there. Books are great, references on internet may not deniable, they are giving you knowledge.

But have you ever realised that your body and mind are also deserve all the possible excitements in nature? You can bring the books there and I believe that you can invite some of your close friends for that. They do will really loves the idea.

That’s actually what the small group of exploration in nature supposes to be. You are getting yourself out of the house with friends, spending times in the wild while resting, reading books, researching thing, wondering the knowledge and many more.

For the best thing that should I be underlined before was, you will doing it in more fun and relaxing way.

Effective and enjoyable small group of exploration in nature to increase knowledge and have fun

Learning should not always be hard as usual, you need to find ways to make it as easy as you can do. What if you can do it in a small group of 5 or 7 people? Sounds like an adventure has been waiting for all of you.

How to make it happen

I will not getting too much details in this since you may have different thoughts. Not to mention about you have to get the same idea with your friends or the group members about what you are going to do.

So, I will only give you the highlights or the big picture of what you can do and prepare for the small group of exploration in nature.

If this will be the first thing to you to go into the nature in a small group for exploration, you may are associating the activity itself as the camping trip idea.

While that can be the true, the main different thing is that, you are doing it to find another place to learn rather than just enjoy and get the nature retreat. You have some other things to do than just a trip. Keep in mind that you will still have a bigger chance for having fun, but you should also remember that nature has always been a great laboratory for a long time.

So, if you have been gathering some of your friends, the next thing that must be agreed upon is what you guys will do. Start asking one by one about thing to be researched or you are actually responsible to speak up your mind since you are the first person with this idea.

After that, you will know what to be prepared and how long you will be in nature. If you are going into forest with such a small group, you may have known that many of adventurers as well as the researchers are using the custom hammocks as their shelters. You can also get the same with them and make use of the hammocks for your group.

Don’t forget the necessary lab tools and items to supporting your small exploration in the wood.

I am suggesting you this small group of exploration in nature is not always as your travel inspiration that can help you increase your knowledge. But, it is also a good way to be more cooperative with your friends since being at outdoor will allowing you to help each other in unexpected ways.

Remember, since the first time, you have been appreciated your friends whether they want to join you or not, and when you were discussing about the things to do and bring. You have actually been started the cooperative trip inspiration since the beginning.

That’s why this will be the effective way to spend the weekend in the wild where you can researching thing with friends while enjoy the moment together. You can be the great and awesome nerd ever since.

Sounds like a good idea for you? Start thinking about making a small group of exploration with your friends to be in nature someday. Be it as the outdoor study club but never forget the fun things you can get.