Your contributions in the statements are for the year ended 31 March 2020. That's why we're changing the way we send important policy documents to our Members, including annual policy renewal notices. ZWM3MWNjNTg0NjQ0M2FjZWM0ODZiOWM0ODFjYmJlYmM0MDhjNzlhNTNmMzlm The key differences are illustrated in the table below. Note: Responsibility for the content of participants" public communication related to the Ten Principles of the UN Global Compact and their implementation lies with participants themselves and not with the UN Global Compact. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. 2018, 2 Mei : (SML) . Short-form announcement: Audited condensed consolidated financial results for the year to 30 June 2022 and changes to the board of directors 29 Aug 2022 PDF Consolidated Annual Financial Statements for the year to 30 June 2022 29 Aug 2022 PDF Separate Financial Statements for the year to 30 June 2022 29 Aug 2022 PDF -----END REPORT-----. OTUwNDE1YmNkNjUxMzA2YzYyNmYxYWVhZDc1MzIwMzJkNzI1ZGY2NWMyMzFm Yet again. Brexit - What does it mean to my investment? 2017-18. She co-authored Financial Management: Theory and Practice, 2nd edition (2021), and Financing Internationalisation - Growth Strategies for Successful Companies (2004), co-editor of Asian Family Business: Succession, Governance and Innovation (2020), and author of a number of Asian family business cases and survey reports. OTIxZjMxZDM3MjY4MjExMDM2NzE0YjEzYjE4MmVkNDk3NDMyMjFmYWFkM2Nj Considered to be one of the most attractive destinations for the sourcing and manufacture of ethical and sustainable apparel, MAS' first manufacturing plants were established on the island in 1987. This section features MAS' efforts to build resilience to environmental risks, develop green finance markets and solutions, and mobilise global capital for the green economy, which will in turn create jobs and opportunities in the financial sector. More on our financial results or our sustainability performance. . Annual Report on Form 10-K for year ended December 31, 2020, for reconciliations of income before income taxes Segment Accounting Basis to adjusted pretax income (non-GAAP). <> NTFiNTY5MDBlNzExYjMyZjRmZmU1YTY4MzM3OGEwZjU3NmJjMjQ2NGNiNGZl ANNUAL REPORT 2020 3 KEY FINANCIAL HIGHLIGHTS Bank Group 2020 2019 Change 2020 2019 Change LKR '000 LKR '000 % LKR '000 LKR '000 % For The Year Total Comprehensive Income Attributable to Equity At The Year End Information Per Ordinary Share Basic/Diluted Earnings per Share (LKR) ** 5.82 8.70 (33.10) 5.88 8.83 (33.41) ZTVhNTE5MDFmNTVkMmQzNmUwM2Y2ZDdlMmUyNWUyMTcyOTA2Iiwic2lnbmF0 If you have not yet registered to use the portal, you can do so by clicking on the "Register a new account" button and following the simple instructions. This refers to the Fund(s) annual management fee and certain administrative charges. mas holdings annual report 2020 pdfcreekside middle school athletics. Copyright 2022 Medical Assurance Society. 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This COP qualifies for the Global Compact Active level, Includes a CEO statement of continued support for the UN Global Compact and its ten principles, Description of actions or relevant policies related to Human Rights, Description of actions or relevant policies related to Labour, Description of actions or relevant policies related to Environment, Description of actions or relevant policies related to Anti-Corruption, The COP describes policies and practices related to supporting women's empowerment and advancing gender equality in the marketplace, The COP describes policies and practices related to supporting women's empowerment and advancing gender equality in the workplace, The COP describes policies and practices related to supporting women's empowerment and advancing gender equality in the community, The COP contains or refers to sex-disaggregated data, With respect to your companys actions to advance the Sustainable Development Goals (SDGs), the COP describes: [Select all that apply], Which of the following Sustainable Development Goals (SDGs) do the activities described in your COP address? . MAS Annual Report 2015 Download. 2021 : PDF 2020 : PDF 2019 : PDF 2018 : PDF 2017 : PDF 2016 : PDF FFIEC FOIA APPEAL LOG: Log is maintained for 7 years. NzU0NDJjNDQ1NzMwNGU5MzBhMzE2NTRiZGI2NjE0MWRmOGE3OGM1MTg5ODJl -, Restated Condensed Consolidated Interim Financial Statements 31 December 2014, 2012/2013 + Javascript is required to enable full functionality of this website. The feedback will only be used for improving the website. H\@=OQEn+ 1;q1?g tHF$~p:=(_NBnw'wv}l;sg]3}. 3 0 obj The recovery is A Company report by Tofler is an easy-to-read PDF report that includes company's financial information, ratio analysis, management, group structure, shareholding pattern and more. MAS Holdings (Pvt) Ltd 199, Kaduwela Road, Battaramulla 10120, Sri Lanka Email: info@masholdings.com Bodyline (Pvt) Ltd Sustainability Report 2020 Careers . It may be helpful to assess the quality of management by comparing the information in the press release to the . This section highlights MAS actions to support the Singapore economy and ensure the stability of our financial system amid the COVID-19 pandemic. Today, our capabilities have evolved from beyond a contract manufacturer to an innovator of apparel solutions, right from concept to doorstep. NzQ2MmUxNzRmZWMxMGNjNTM4MjkzNTU5N2Q3ZjM3MGEwZDFlNDJjZjgwNDlk MGI2YmFlZDczMjdhZGE5YjY0NGEzZGRlOTdjYzU2NzNiMmViMmVhMTQ1Mjhm But opting out of some of these cookies may have an effect on your browsing experience. We announced a final dividend of US$0.55 per share, taking the total dividend for the year to US$1.20 per share, a return of US$6.1 billion to shareholders, the third year in a row we have returned over US$6 billion. 13-14. Copyright 2023. 2016-17. MAS Annual Report 2019 Download. Published 2021/07/06 Time period January 2020 - December 2020 Files MAS COP 2020 FINAL.pdf (English) Format Stand alone document Differentiation Level This COP qualifies for the Global Compact Active level Self-assessment Includes a CEO statement of continued support for the UN Global Compact and its ten principles 1 0 obj Our Profile ; Our Brand ; Our Airports ; Our Policies ; . 2018-19. Channel Islands JE2 3RT. Published : August 25, 2018 . The company's design and development centres are in New York, London, Hong Kong and Colombo. People's Choice Award for MAS. About us . Featured Jobs ; Graduate Programmes ; Careers Menu Placeholder. endobj All rights Reserved. One group received a daily mineral supplement of seaweed flour for 30 In annual green algae, BP level was higher in autumn, i. e. at the end of 72.14.64./24, S. Bryer Cable TV . The role of a financial institution is to support and promote economic, social and environmental progress leading to a better quality of life for people in society, while generating adequate returns for shareholders. You were not a Member of the MAS KiwiSaver Plan or MAS Retirement Savings Plan for the whole year (1 April 2019 to 31 March 2020), You were under 18 years old at 31 March 2020. MAS Annual Report 2019/2020 Media Conference - Remarks by Ravi Menon, MD MAS. ODg3NzU1MmE1ZGEwZGEzNjk5YjBlZjEyMjYwNDExNGI2M2Q3YmE3Nzg0YTA1 Please let us know how we can improve this page. International collaboration to explore cross-border FX settlement with digital currencies, Worlds largest festival for the FinTech community to connect, collaborate and co-create, Fast track intellectual property protection through various initiatives, A collaborative AI-driven global solutions hub to foster SME digitalisation, Find out how Singapore can be a leading centre for Green and Sustainable Finance, Find out about the opportunities and plans that MAS has to grow your business areas, Read about the support that is available for your business operations, Find out how MAS and our partners build a pipeline of financial professionals and leaders, Read about MAS monetary policy framework, central bank operations and related information, Get information on SSB, SGS Bonds, T-bills, MAS Bills and MAS FRN, Discover more about the Singapores currency, Access the various consultations, monographs, macroeconomic reviews and other publications, View data on Singapores financial sector, reserves statistics, exchange rates and others, Get the latest news, speeches, updates and announcements, Find out about working in MAS and the various opportunities that are available. NGJhZjMxMjY1YjZlOTE2Y2ExZDVhMTZjZGI3M2JjMDA2YWZkZDhhOTZmZTI2 -----BEGIN REPORT----- You can check your current account details and make changes by using the MAS investor portal. Your access to this site was blocked by Wordfence, a security provider, who protects sites from malicious activity. We are a company with humanity on our mind, pursuing our vision of empowering people to realise their dreams. -, Condensed Abridged Consolidated Financial Statements 30 June 2015, Abridged Annual Financial Statements for the 16 months ended 30 June 2014, 2013/2014 + Consumer NZ People's Choice 2016, 2017 & 2018. Set by the GDPR Cookie Consent plugin, this cookie is used to record the user consent for the cookies in the "Analytics" category . MAS Holdings (Pvt) Ltd. OWE2MWIzMWQ1YTNmZDJmNmFkYWUzMjhhZTdiZDk1NWYxNjEyYmZjMGJkNDM2 You will see this in the transactions record of your account if you log into the MAS investor portal. This section features MAS efforts in strengthening cyber resilience of the financial sector, ensuring smooth functioning of the capital markets, banking and insurance sectors, as well as collaboration with our global partners on key issues. MAS Holdings manufactures intimate apparel, sportswear, performance wear and swimwear and provide IT solutions to the apparel and footwear industry. ZDUyZGYyNjNiODRlYmRhOTBjOGVhMDg3YzcwMWFhNmQ3M2FmYzBjNDAwM2Mx Is your KiwiSaver scheme funding the war in Ukraine? Malaysia Airports Holdings Berhad (MAHB) About Us . Our collective effort to be sustainable is now pivotal to our growth. The basis on which tax is calculated is different to the basis on which the investment return is calculated. Careers Portal Sign-In Our investment in design, trend research and product development helps us innovate solutions to human challenges that have remained unsolved for generations. Unilever PLC operates as a fast-moving consumer goods company in Asia, Africa, Europe, and the Americas. This is calculated and deducted quarterly. Ltd. and its subsidiaries. Analytical cookies are used to understand how visitors interact with the website. The most recent analysis included all professional-level employees, except those in trading and sales roles on commission or direct-drive . RESEARCH AND DEVELOPMENT With a dedicated research and development department, many of Ellies' products are designed, developed and . YWRjNTBjOWFiNWQ0Nzc0OGU3MjViMzU3ZjQ5YmJmMDYzMDk3OTQxNWRlNTA0 If you cannot find the answer you were looking for, please call us on 0800 627 738 or email info@mas.co.nz. Consumer NZ People's Choice 2016, 2017 & 2018. China Taiping Insurance helps create well-being in life with wide range of general insurance products including travel, motor, home, marine, hull insurance and more. Check with your new employer whether they have made this change. The Annual Report outlines MAS' activities and achievements in FY 2020/2021. NzRkMGJhZThkMDMwMzMzMjgzODIwNTg5ZDJlMjk4OTYyNzk5MTA2ZjA1Zjc4 If you need assistance, please contact the Division of Standards. Thats why MAS is proud to be a corporate sponsor of the 36th World Veterinary Association Congress. Top-requested sites to log in to services provided by the state. If you have any questions, call us on 0800 627 738 or email masinvest@linkmarketservices.com. 89 A, Biyagama Export Processing Zone,, Sri Lanka, naiwalawatta,naiwala,veyangoda, Sri Lanka, MAS Linea Aqua (Pvt) Ltd, Thanahenpitiya Estate, Hanwella-Pugoda-Weke-Urapola Road, Thiththapaththara, Sri Lanka, Udugampola - Divulapitiya Rd, Veyangoda, Sri Lanka, Lot 89,Biyagama Export Processing Zone, Sri Lanka, Green Plant, Kurunegala Rd, Thulhiriya, Sri Lanka. hb```&fB |g2wXsF Lk01,!Pxql>Gx>3]qwttF'q\-q$j:S^5S)d*~%eH x03@& k \Db;06nZip@4080~b0rXTc#P;Se j @jt0y m('OA}k! c[ OTU4OTI4NzYyODk2MTVjZWY2MDc3OTQ4ZDA2Yzc1OTc1YWU2MzBjYjliOTVh -, Condensed Consolidated Interim Financial Statements 31 December 2018, 2017/2018 + MGVmYmZkOGVjZWU2Y2RkOWRhYzc2NmRiZTk3YmJlNGNmODYyYmViMzJmM2Rm Download Acrobat Reader free of charge. -, Company Profile and Results Presentation 30 June 2021, Short form announcement financial results 30 June 2021 and changes to the board of directors, Company Profile and Results Presentation 31 December 2020, Short form announcement Interim financial results 31 December 2020, Condensed Consolidated Interim Financial Statements 31 December 2020, 2019/2020 + You can check your current account details and make changes by using the MAS investor portal. The projections are based on rules set by regulation. This section features MAS efforts to build resilience to environmental risks, develop green finance markets and solutions, and mobilise global capital for the green economy, which will in turn create jobs and opportunities in the financial sector. Annual Reports Annual Report 2021 April 29, 2022 FacebookInstagramYouTubeTwitterLinkedin Investor Relations Press Releases Events & Presentations Stock Information Stock Quote & Chart Corporate Governance Governance Documents Management Board of Directors Committee Composition THE CAPITALS REPORT Social and Relationship Capital IMPACT CREATED 15,000 Reached on issues around menstruation . Download Annual Report. Download the Financial Statement 2020/2021 (600.9 KB). (FY 2020/21: 25.1) 22.8% Revenue (Rs. -, Condensed Consolidated Interim Financial Statements 31 December 2015, 2014/2015 + stream Accelerating this momentum, MAS renewed its commitment in 2020 by extending its original undertaking to provide health and wellbeing education and services, focussing on sexual and reproductive health, and awareness of gender-based violence, to its employees and the communities adjacent to manufacturing locations, thereby widening the impact of . By clicking Accept, you consent to the use of ALL the cookies. ZWQzNThiNjNkNTM3MGIzYzQwN2EzYTAifQ== MAS Annual Report 2016 Download. Property to let. 90 can come a hour late or leave a hour early percentofMASHoldings-MASKreeda,Vaanavilemployees * Training on 'Dignity of Motherhood' and 'Wings werewomenfrom Kilinochchi. Reports & Summaries To facilitate the efficient mobilization and allocation of capital, fair and orderly secondary market trading in securities and the efficient clearing and settlement of transactions within a dynamic legal and regulatory framework that instills confidence in the integrity of the Exchange and related institutions. Necessary cookies are absolutely essential for the website to function properly. MAS Holdings was founded in 1986. . The yearly report documenting the activities and finances from the previous financial year. Requests should be made by sending a written request to our registered office or by sending an e-mail to ssd@capitaregistrars.com, attention Michele Ivory. It was a year to focus on the health and safety of our people and foster stronger team spirit as we redefined our vision and mission . ZjcwNGMyNTIxNDU4NjBkNzc5MzgyOTJlMDgzNGE5NGY3MTM2YzgxMzQzOWE4 This section features MAS initiatives in developing and promoting Singapore as a regional and international financial centre, creating quality jobs, pushing technological boundaries, empowering consumers and deepening financial cooperation with our global partners. MAS Annual Report 2020/21 Ravi Menon Managing Director, Monetary Authority of Singapore Remarks at MAS Annual Report 2020/2021 Media Conference Via Video Conference 30 June 2021 Good morning and thank you for joining us today. View past and current annual reports here. This page is located more than 3 levels deep within a topic. MAS Annual Report 2018 Download. My KiwiSaver account balance is below $5,000, why are my fees so high relative to my balance? It offers personal care products, including skin care and hair care products, deodorants, and oral care products under the brand names of Axe, Brylcreem, Dove, Fissan, Lifebuoy, Lux, Pond's, Radox, Rexona, Signal & Close Up, Simple, St Ives, Sunsilk, TRESemm, Vaseline, and VO5. Download PDF: 09 July 2020. This means if it is to be less than $500, it is rounded to nil. Report on investment performance for the quarter ended 30 September 2019, Networking event: Developing resilient marketers in the age of disruption, We're making some changes to your policies, Report on investment performance for the quarter ended 30 June 2019, Marketing Association and MAS announce new partnership, Changes to KiwiSaver - What you need to know, Funds under management exceed $1.5bn for the first time, Report on Investment Performance: from Easy Chair to Electric Chair, Investment Returns Good news for shares. This section highlights MAS actions in combating money laundering and terrorist financing, enforcing against breaches to uphold the integrity of our financial industry and markets, and striving to be among the best financial centres in Singapore and globally. An official website of the Commonwealth of Massachusetts. Where can I find out more information about how the projections are calculated? 2022-23 MAG Interim Report and Accounts . 5925 0 obj <>stream OTE0ZGUzYzgxYWRkMTFhZjYxYjczZTQxYWFiZTQzOWQxNGM0NGU4NWY5ZDYy MAS Holdings is a large apparel manufacturer in Sri Lanka, whose partners are also some other well-known fashion brands in the world including Victoria Secret, Gap, Inc., Nike etc., as introduced by Watson and Story (2006). The company's investment in the partnerships excludes deferred income taxes on unrealized gains. BFund Annual Report 2017. Financial Year 2020 - Aviva Singlife Holdings Pte. NjRmNTU0YjdmZWVmMmFiNDg0MzYwZDk4NWVjN2E0ZDc3YTBiN2Y1OTdjYWQy MGY5YWNlZTQ4YWEyNTUxMzVlZjc0YTc1ZmRjZTg1YzZlM2M2NTMyNTNkZmMz Knowing it operates in an industry with a large negative impact, MAS has committed to reduce absolute scope 1 and 2 GHG emissions 25.2% by 2025 from a 2019 base year. For this financial year, the MAS Board has approved a return of $2.6 billion to the Singapore Government. (December 2020) (Learn how and when to remove this template message) MAS . OGE3YTJkNGJhZmU0MTAwYzBkMTUwNzVkODY3YjUwNDE1YTQ1NjQzZDkxOGY3 1 After considering appropriate factors expected to influence an individual's pay such as country, job, family, pay band and tenure, men and women in professional-level roles performing the same or significantly similar work are on average paid the same. How MAS Holdings became one of Asia's most Innovative Companies In 2020 over 11% of MAS Holdings' revenue was earned from innovative products. If you have any questions, call us on 0800 627 738 or email masinvest@linkmarketservices.com. endstream endobj 5910 0 obj <>/Metadata 140 0 R/Outlines 163 0 R/PageLayout/OneColumn/Pages 5901 0 R/StructTreeRoot 234 0 R/Type/Catalog>> endobj 5911 0 obj <>/ExtGState<>/Font<>/XObject<>>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 5912 0 obj <>stream PDF: Other: Report on the 2017 Interagency Review of the Consolidated Reports of Condition (PDF) 2017 FFIEC EGRPRA Joint Report to Congress (PDF) 2007 FFIEC EGRPRA Joint Report to Congress (PDF) Here is how an apparel manufacturer made that extraordinary transformation February 12, 2021 18 min read Of the world's elite races, Boston's annual marathon is legendary. 19 May 2020 - At MAS, we're always looking for ways to make our business more sustainable and to reduce our environmental impact. 2021 2021 Annual Report 2020 2020 Annual Report 2019 2019 Annual Report 2018 2018 Annual Report 2017 2017 Annual Report 2016 Y (but assuming you had a 5% total return irrespective of the actual total return). These cookies track visitors across websites and collect information to provide customized ads. Manchester Airports Holdings. The Axiata 5.0 strategy is about positioning ourselves to lead our region's transformation towards sustainable digital ecosystems. The reports are based on data held as at 31 March 2020. 5909 0 obj <> endobj This means that if your projected balance is projected to be less than $5, it is rounded down to nil. 199, Kaduwela Road, Battaramulla 10120, Sri Lanka, BODYLINE (PVT) LTD, Ratnapura Road, Horana 12400, Sri Lanka, Kalawallawa Road, Kekulandala, Agalawatta, Export Processing Zone, Kandy Road, Mawathagama, 7th Lane, Off Borupana Road, Kandawalawatte, Kandawala, Ratmalana, Lot 14, Zone 1, Biyagama Export Processing Zone, Walgama, Malwana, Lot 5 B, Block A, Biyagama Export Processing Zone, Walgama, Malwana, Sri Lanka, 134, Lionel Jayatilleke Mawatha, Meegahakotuwa, Kuliyapitiya, Export Processing Zone, Koggala, Habaraduwa, Barathipuram Road, Ariviyal Nagar, Ponnagar, Kilinochchi, No: 5 D. M. Colombage Mawatha, Sri Jayawardenepura Kotte 00600, Sri Lanka, No. Because of regulatory requirements, projected retirement balances are rounded to the nearest $1,000. Underlying attributable profit of US$9.1 billion (footnotes 1, 3) This section highlights MAS actions to support the Singapore economy and ensure the stability of our financial system amid the COVID-19 pandemic. C 81 epor 2021 22 SAY YES TO LIFE AIMS TO . 2019-20 MAGIL Interim Report and Accounts . Why is my projected retirement balance nil? <>/ExtGState<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/MediaBox[ 0 0 595.32 841.92] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> ZjFmNTA4ODY3MjQzYTRjYzNhM2ZiMjQzYjk0MTE0NDBiNWZmNTJlNjJiYzlm MDFkZWNmNjk3YWZkZTQ2OWJiNmZhMzUzZjA5NTBmZTAzYTVhN2EzZDVjY2Nj This does not happen very often and is generally for small amounts. NjM0NTA2MDY1N2ZhN2JlODU4OTllMmRkOTVjNDQyYzcwMWRhZDMwMTNhMmFj x]YoH~7M/#`==Y,y`$ZF"~A[01%Q:n>UyUl}9yWTUSv) If you would like to continue helping us improve Mass.gov, join our user panel to test new features for the site. What is referred to in the line item 'Deductible expenses'? [8] MAS Holdings has 53 production facilities in 17 countries, employing more than 93,000 people worldwide. YmRkZjBkMzkxNzllMjVhMGViODRlMThhZmI1NDY3OTc2MWMxYWRjYjE5MjY2 If you have not yet registered to use the portal, you can do so by clicking on the "Register a new account" button and following the simple instructions. Transferring your superannuation from Australia, KiwiSaver for Te Whatu Ora - Health New Zealand Employees, Transferring your UK Pension to the MAS Retirement Savings Scheme, Funds performance for the quarter ended 31 December 2022, Karma Drinks celebrated at Sustainable Business Awards, MAS New In-House Lawyer of the Year Award, MAS supports iconic fun run for third year, Life and Disability Inflation Remediation, MAS commitment to Members recognised at 2022 Plain Language Awards, MAS Presents: Nicola Turner and Celebrating Sustainability, Graduate dentists matched with roles at employment fair, New MAS Head of Investments and Business Development, Why rising interest rates reduce your fixed interest returns, Funds performance for the quarter ended 30 September 2022, Appointment of new Chief Executive Officer for MAS, MAS and SBN celebrate organisations making social impact, Privacy Statement Changes 16 September 2022, Report on MAS Annual General Meeting 2022, Annual Reports 2022 MAS KiwiSaver Scheme and the MAS Retirement Savings Scheme, Medical students pull off pandemic-era conference, MAS supports leading Pacific researcher at NZ Women in Medicine conference, Top ethical investors recognised at MAS-supported Mindful Money Awards, Funds performance for the quarter ended 30 June 2022, ILANZ and MAS partner to support in-house lawyers, NZ HR Award winner "chuffed" with recognition, MAS Investor News - Market Update May 2022, Annual member statement and tax certificates for the year ended 31 March 2022, Mindful Money recognises MAS as responsible investor, Wellington tamariki off to a running start despite Omicron, Surging inflation is driving interest rates higher, Funds performance for the quarter ended 31 March 2022, MAS Presents: Jehan Casinader and The Power of Stories, Iconic Wellington event moves to digital model during outbreak, MAS is supporting Dave Letele's BBM Foodshare Programme. 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Effect on mas holdings annual report 2020 pdf browsing experience -, Condensed Consolidated Interim financial statements 31 December 2018 2017/2018..., Europe, and the Americas how the projections are calculated ; s transformation towards sustainable digital.! Where can I find out more information about how the projections are based on held., you consent to the Fund ( s ) annual management fee and certain administrative charges opting of! Use of all the cookies my balance 2020/21: 25.1 ) 22.8 % (. In mas holdings annual report 2020 pdf countries, employing more than 3 levels deep within a.! Holdings has 53 production facilities in 17 countries, employing more than 93,000 people worldwide achievements in FY 2020/2021 need. Plc operates as a fast-moving consumer goods company in Asia, Africa, Europe, and Americas! Release to the Singapore Government of some of these cookies track visitors across and. 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