2020-11-04T15:42:06-06:00 2020-06-30 042571780 AAFCPAS INC 50 WASHINGTON STREET WESTBOROUGH MA 01581 990 2019-07-01 222524015 NEW HAMPSHIRE COMMUNITY LOAN FUND INC NEWH 6032246669 7 WALL STREET CONCORD NH 03301 JOHN HAMILTON ACTING PRESIDENT 6032246669 2020-11-02 1 THOMAS WASHBURN CPA P00537319 5083669100 2020-11-02 40.70.31.102 2020-11-02 07:52:56 ES P 2A9010E3A6A0BB3B06F86C59D67A72AD6F64F0F5 1166F2FD08ABF73FAA4779C448B3D4829B6A5C9C 2019 2021-01-29 14:40:06Z JOHN HAMILTON 7 WALL STREET CONCORD NH 03301 13291645 0 X WWW.COMMUNITYLOANFUND.ORG X 1983 NH TO SERVE AS A CATALYST, LEVERAGING FINANCIAL, HUMAN AND CIVIC RESOURCES TO ENABLE TRADITIONALLY UNDERSERVED PEOPLE TO ATTAIN AFFORDABLE HOMES, QUALITY JOBS AND CHILD CARE, AND BECOME FINANCIALLY INDEPENDENT. WE DO THIS BY PROVIDING LOANS, CAPITAL AND TECHNICAL ASSISTANCE;COMPLEMENTING AND EXTENDING THE REACH OF CONVENTIONAL LENDERS AND PUBLIC INSTITUTIONS; AND BRINGING PEOPLE AND INSTITUTIONS TOGETHER TO SOLVE PROBLEMS.ESTABLISHED IN 1983, THE COMMUNITY LOAN FUND WAS ONE OF THE FIRST COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS IN THE NATION AND IS RECOGNIZED AS A NATIONAL LEADER FOR ITS INNOVATION, SOCIAL IMPACT, FINANCIAL STRENGTH AND PERFORMANCE. THE COMMUNITY LOAN FUND WAS THE 2009 RECIPIENT OF THE NEXT AWARD FOR OPPORTUNITY FINANCE, THE HIGHEST HONOR IN OUR FIELD. 17 16 54 15 0 0 6228444 2630489 8943253 9988538 204880 259289 0 204920 15376577 13083236 155513 73597 0 0 4374368 4623653 4201 2564 383086 6226041 7308666 10760123 12008480 4616454 1074756 162530967 171883850 132216769 140563182 30314198 31320668 X TO SERVE AS A CATALYST, LEVERAGING FINANCIAL, HUMAN AND CIVIC RESOURCES TO ENABLE TRADITIONALLY UNDERSERVED PEOPLE TO ATTAIN AFFORDABLE HOMES, QUALITY JOBS AND CHILD CARE, AND BECOME FINANCIALLY INDEPENDENT. WE DO THIS BY PROVIDING LOANS, CAPITAL AND TECHNICAL ASSISTANCE;COMPLEMENTING AND EXTENDING THE REACH OF CONVENTIONAL LENDERS AND PUBLIC INSTITUTIONS; AND BRINGING PEOPLE AND INSTITUTIONS TOGETHER TO SOLVE PROBLEMS.ESTABLISHED IN 1983, THE COMMUNITY LOAN FUND WAS ONE OF THE FIRST COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS IN THE NATION AND IS RECOGNIZED AS A NATIONAL LEADER FOR ITS INNOVATION, SOCIAL IMPACT, FINANCIAL STRENGTH AND PERFORMANCE. THE COMMUNITY LOAN FUND WAS THE 2009 RECIPIENT OF THE NEXT AWARD FOR OPPORTUNITY FINANCE, THE HIGHEST HONOR IN OUR FIELD. 0 0 3544257 73597 9320051 AFFORDABLE HOUSING - SEE SCHEDULE O 5703993 CAPITALIZATION AND PHILANTHROPY - SEE SCHEDULE O 1159257 558563 BUSINESS FINANCE - SEE SCHEDULE O 419868 314844 SINCE 1984, OUR COMMUNITY SERVICES FINANCING HAS SUPPORTED ESSENTIAL SERVICES, INCLUDING CENTER- AND HOME-BASED CHILD DEVELOPMENT SERVICES, BY HELPING NONPROFIT ORGANIZATIONS BUY, RENOVATE, OR BUILD FACILITIES. IN FY2020, THE COMMUNITY LOAN FUND MADE NINE LOANS FOR COMMUNITY SERVICES, TOTALING MORE THAN $6.1 MILLION. 419868 314844 10827375 1 1 0 1 0 0 0 0 0 0 1 0 1 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 1 41 0 1 54 1 0 0 0 0 0 0 0 0 0 0 0 0 X 17 16 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 NH X BONNIE SCADOVA 6032246669 7 WALL STREET CONCORD NH 03301 JULIANA EADES PRESIDENT (THRU 6/30/20) 40.00 X X 192660 0 16905 BONNIE SCADOVA CHIEF FINANCIAL OFFICER 40.00 X 131518 0 15190 DEBRA MILLER VICE PRESIDENT OF EXTERNAL RELATIONS 40.00 X 113622 0 25839 JOHN HAMILTON ACTING PRESIDENT (EFFECTIVE 6/30/20) 40.00 X X 119509 0 5987 TARA REARDON DIRECTOR OF ROC-NH 40.00 X 104678 0 5288 TOM BUNNELL CHAIR 1.00 X X 0 0 0 BETSY MCNAMARA VICE CHAIR 1.00 X X 0 0 0 DON BRUEGGEMANN TREASURER 1.00 X X 0 0 0 KIM CAPEN VICE TREASURER 1.00 X X 0 0 0 KATE LUCZKO SECRETARY 1.00 X X 0 0 0 NAOMI BUTTERFIELD VICE SECRETARY 1.00 X X 0 0 0 MICHAEL SWACK EMERITUS 1.00 X 0 0 0 PAM LAFLAMME MEMBER 1.00 X 0 0 0 JANET ACKERMAN MEMBER 1.00 X 0 0 0 KATHLEEN REARDON MEMBER 1.00 X 0 0 0 DAN MULLER MEMBER 1.00 X 0 0 0 ANTHONY POORE MEMBER 1.00 X 0 0 0 JAMIE RICHARDSON MEMBER 1.00 X 0 0 0 PAULA ROGERS MEMBER 1.00 X 0 0 0 MARK FICKLE MEMBER 1.00 X 0 0 0 JOSEPH GERAKOS MEMBER 1.00 X 0 0 0 661987 0 69209 5 0 1 0 0 562060 2068429 215949 2630489 INTEREST FROM LOANS 531390 9498564 9498564 LOAN RELATED FEES 531390 467997 467997 TRAINING AND OTHER FEES 531390 21977 21977 9988538 325648 325648 142050 208409 -66359 -66359 -66359 PROGRAM RELATED DEVELOPMENT INVES 900099 204920 204920 204920 13083236 10193458 0 259289 73597 73597 394323 145343 200532 48448 3418866 3053936 172952 191978 103074 91775 7946 3353 433894 377220 30810 25864 273496 230608 25964 16924 13032 11084 1725 223 96048 68177 24684 3187 1100 1100 2564 2564 308236 243508 57766 6962 47936 20701 42 27193 495398 391212 57474 46712 59997 44602 13598 1797 97210 49391 46272 1547 82916 78764 3679 473 13361 11920 1273 168 4891589 4891345 216 28 222638 118278 101026 3334 96461 49007 45919 1535 BAD DEBT 809141 809141 STAFF TRAINING 39257 32320 6141 796 TECHNICAL ASSISTANCE 22545 22545 OTHER EXPENSES 11801 11801 12008480 10827375 798019 383086 18485552 13526058 888574 548423 706913 586523 144322 128694 5967598 1981335 3960801 3986263 12561035 8087585 125444695 144904698 339075 115606 162530967 171883850 1728703 1938577 245125 306481 121642941 129082122 8600000 9236002 132216769 140563182 X 20035193 21841451 10279005 9479217 30314198 31320668 162530967 171883850 1074756 -68286 0 X X 0 1 X 1 1 1 X 4458599 3010711 2947477 6228444 2630489 19275720 4458599 3010711 2947477 6228444 2630489 19275720 1642680 17633040 83458 95751 179371 256565 325648 940793 20216513 41700099 0.87220 0.91030 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 150 950 1100 12007380 12008480 750424 187606 0 0 623735 627551 688006 750424 2689716 4034574 1053 1279 953 1100 4385 155934 156888 172002 187606 672430 1008645 100 200 250 150 700 0 0 321461 321461 4910812 1563048 3347764 735325 418287 317038 3986263 LOANS RECEIVABLE 140721422 C ROC USA 3084460 F OTHER PROGRAM-RELATED EQUITY INVESTMENTS 1098816 F 144904698 EQUITY EQUIVALENTS PAYABLE 8600000 NON-RECOURSE PARTICIPATION 636002 9236002 X 7241321 -68286 -5773629 -5841915 13083236 0 13083236 6234851 0 6234851 5773629 5773629 12008480 PART X, LINE 2: THE COMMUNITY LOAN FUND ACCOUNTS FOR UNCERTAINTY IN INCOME TAXES IN ACCORDANCE WITH ASC TOPIC, INCOME TAXES. THIS STANDARD CLARIFIES THE ACCOUNTING FOR UNCERTAINTY IN TAX POSITIONS AND PRESCRIBES A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENTS REGARDING A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE COMMUNITY LOAN FUND HAS DETERMINED THAT THERE ARE NO UNCERTAIN TAX POSITIONS WHICH QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE ACCOMPANYING FINANCIAL STATEMENTS AT JUNE 30, 2020. THE COMMUNITY LOAN FUND'S INFORMATION RETURNS ARE SUBJECT TO EXAMINATION BY THE FEDERAL AND STATE JURISDICTIONS. PART XI, LINE 2D - OTHER ADJUSTMENTS: INTEREST EXPENSE -4,890,891. PASS THROUGH GRANTS TO OTHERS -73,597. LOAN LOSS PROVISION -809,141. PART XII, LINE 4B - OTHER ADJUSTMENTS: INTEREST EXPENSE 4,890,891. PASS THROUGH GRANTS TO OTHERS 73,597. LOAN LOSS PROVISION 809,141. 1 IDA MATCHED SAVINGS GRANTS 21 73597 CASH PART I, LINE 2: PROGRAM MANAGERS OVERSEE GRANT PROGRAMS AND MONITOR THE USE OF FUNDS BY GRANTEES THROUGH A VARIETY OF MEANS INCLUDING PERFORMANCE REPORTS, FINANCIAL REPORTS, INVOICES, PHOTOGRAPHY AND OTHER FORMS OF SUBSTANTIATING DOCUMENTATION. X X X X 1 0 0 0 0 0 0 0 0 JULIANA EADES PRESIDENT (THRU 6/30/20) 192660 0 0 0 0 0 5748 0 11157 0 209565 0 0 0 PART I, LINE 4A IN FY'20 JULIE EADES RECEIVED $30,000 OF SEVERANCE PAY UPON HER RETIREMENT. X 927 120108 FAIR MARKET VALUE X NON-CASH GRANTS CONVERTED FROM LOANS PAYABLE BY DO 10 95841 FAIR MARKET VALUE 0 1 0 FORM 990. PART II, LINE 4A AFFORDABLE HOUSING: THREE COMMUNITY LOAN FUND PROGRAMS ADDRESS N.H.'S NEED FOR HOUSING FOR WORKING FAMILIES AND FOR FAMILIES WITH LOW INCOMES. 1. ROC-NH PROVIDES LOANS, ALONG WITH EDUCATIONAL AND TECHNICAL ASSISTANCE, TO BUILD LONG-TERM VALUE AND SECURITY FOR RESIDENTS OF N.H.'S MANUFACTURED-HOME COMMUNITIES BY HELPING THEM PURCHASE, MANAGE, AND IMPROVE THEIR COMMUNITIES AS COOPERATIVE CORPORATIONS. AS OF JUNE 30, 2020, 132 RESIDENT-OWNED COMMUNITIES IN N.H. WERE HOME TO 8,211 (PRIMARILY LOW-INCOME) HOUSEHOLDS. DURING FISCAL YEAR 2020, THE COMMUNITY LOAN FUND MADE 35 LOANS TOTALING MORE THAN $27 MILLION. IN DOING SO, IT PRESERVED 913 HOUSING UNITS AND PROVIDED 12,306 HOURS OF TECHNICAL ASSISTANCE TO RESIDENT-OWNED COMMUNITIES. 2. BECAUSE THEY ARE RELATIVELY AFFORDABLE AND AVAILABLE IN RURAL COMMUNITIES, MANUFACTURED HOMES ARE, FOR SOME N.H. FAMILIES, THE HOUSING OPTION OF LAST RESORT. THEY ALSO PROVIDE AN AFFORDABLE OPTION FOR OLDER COUPLES WHO ARE DOWNSIZING AND YOUNG COUPLES BEGINNING FAMILIES. THE COMMUNITY LOAN FUND'S WELCOME HOME LOANS PROVIDE REAL FIXED-RATE MORTGAGE PRODUCTS FOR A GROUP OF HOMEOWNERS THAT DOESN'T OTHERWISE HAVE ACCESS TO SUCH LOANS. MOST BUYERS OF MANUFACTURED HOMES HAVE TO USE PERSONAL PROPERTY LOANS, EVEN WHEN THEY OWN THE LAND THE HOUSE WILL OCCUPY, OR WHEN THEY HAVE SECURED THE LAND THROUGH COOPERATIVE OWNERSHIP. IN MAKING 1,376 LOANS TOTALING MORE THAN $69 MILLION SINCE 2002, WELCOME HOME LOANS HAVE SHOWN THESE BORROWERS TO BE BETTER-THAN AVERAGE RISKS, WITH A CUMULATIVE LOSS RATE OF JUST 3%. DURING FY2020, WELCOME HOME LOANS PROVIDED $5.55 MILLION IN FINANCING TO 85 BORROWERS. IN 2009, OUR WELCOME (THEN CALLED COOPERATIVE) HOME LOANS EARNED THE COMMUNITY LOAN FUND THE HIGHEST HONOR GIVEN TO COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS: THE NEXT AWARD FOR OPPORTUNITY FINANCE. THE PROGRAM'S STRONG PERFORMANCE HAS ALSO ATTRACTED OTHER CONVENTIONAL RESIDENTIAL LENDERS, INCLUDING USDA, NH HOUSING FINANCE AUTHORITY AND FANNIE MAE, TO THIS EMERGING MARKET. 3. THE MULTI-FAMILY HOUSING PROGRAM PROVIDES LOANS AND TECHNICAL ASSISTANCE TO NONPROFIT HOUSING DEVELOPMENT ORGANIZATIONS, WITH THE GOALS OF EXPANDING N.H.'S SUPPLY OF INCREASINGLY SCARCE AFFORDABLE HOUSING AND KEEPING IT PERMANENTLY AFFORDABLE. SINCE 1989 THE COMMUNITY LOAN FUND HAS MADE NEARLY $33 MILLION IN LOANS, RESULTING IN THE CREATION OR PRESERVATION OF 1,844 AFFORDABLE APARTMENTS VALUED AT MORE THAN $251 MILLION. MULTI-FAMILY HOUSING HAS ALSO HELPED CREATE AND NURTURE A NOW-MATURE NETWORK OF NONPROFIT DEVELOPERS, WHILE ASSISTING COMMUNITY GROUPS TACKLING THEIR FIRST PROJECTS, TO CREATE CAPACITY IN ONE OF THE LEAST-AFFORDABLE STATES IN THE NATION. FORM 990, PART III, LINE 4B: CAPITALIZATION AND PHILANTHROPY: THE COMMUNITY LOAN FUND IS ROOTED IN TWO BELIEFS: SOME FINANCIAL OBSTACLES PEOPLE FACE ARE NOT DUE SOLELY TO LOW INCOMES, BUT ALSO TO LACK OF CREDIT. MANY PEOPLE WITH CAPITAL WILL INVEST IN BASIC HUMAN NEEDS IF THERE IS A WAY TO DO SO. THE PHILANTHROPY PROGRAM WORKS ON THE SECOND PART OF THAT EQUATION. IT SEEKS TO MAKE ITS OPPORTUNITY NH INVESTMENTS A CONDUIT THROUGH WHICH PEOPLE, ORGANIZATIONS, FOUNDATIONS AND CORPORATIONS SAFELY AND SECURELY INVEST IN N.H.'S PEOPLE AND COMMUNITIES. THE COMMUNITY LOAN FUND IS A RARITY AMONG COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS IN ACCEPTING INVESTMENTS IN THE FORM OF UNSECURED LOANS FROM PRIVATE INDIVIDUALS, AS WELL AS FROM INSTITUTIONS LARGE AND SMALL. INVESTMENTS ARRIVE FROM RETIREES AND COMMUNITY CHURCH GROUPS, ALL THE WAY UP TO NATIONAL FOUNDATIONS. A ROBUST EQUITY POOL HELPS THE COMMUNITY LOAN FUND MAINTAIN A 100% REPAYMENT RECORD TO ITS INVESTORS. IT'S THE "SHOCK ABSORBER" THAT CUSHIONS THEIR MONEY AGAINST THE RARE LOAN THAT ISN'T REPAID. INVESTMENTS IN THE COMMUNITY LOAN FUND RANGE FROM $1,000 TO $7.5 MILLION. THE PHILANTHROPY PROGRAM BROUGHT IN $20.3 MILLION FROM 47 NEW INVESTMENTS IN FY2020, INCREASING THE NUMBER OF CURRENT INVESTORS TO 681. FORM 990, PART III, LINE 4C: BUSINESS FINANCE: THE COMMUNITY LOAN FUND OFFERS FINANCING FOR ESTABLISHED BUSINESSES RANGING FROM SELF-EMPLOYED TRADESMEN TO HIGH-GROWTH, HIGH-MARGIN COMPANIES. SINCE 1984, BUSINESS BUILDER LOANS HAVE PROVIDED LOANS AND BUSINESS EDUCATION TO SUPPORT THE GROWTH AND RESILIENCE OF SMALL BUSINESSES AND THEIR ABILITY TO PROVIDE QUALITY JOBS. SINCE 2002, VESTED FOR GROWTH INVESTMENTS HAVE PROVIDED INVESTMENTS AND BUSINESS EDUCATION TO HELP OWNERS GROW THEIR BUSINESSES BY ENGAGING THEIR PEOPLE AND ADDING VALUE FOR THEIR CUSTOMERS. VESTED FOR GROWTH'S RISK-TOLERANT CAPITAL AND PEER-LEARNING OPPORTUNITIES ALSO HELP OWNERS OF ESTABLISHED BUSINESSES INCREASE PROFITS AND CREATE HIGHER-QUALITY JOBS. SINCE 1996, OUR BUSINESS FINANCE TEAM HAS MADE 738 INVESTMENTS AND LOANS, TOTALING MORE THAN $33.7 MILLION AND PRESERVING OR CREATING 2,471 JOBS. IN FY 2020, OUR BUSINESS FINANCE TEAM PROVIDED $399,000 IN FINANCING TO EIGHT BUSINESSES, CREATING OR PRESERVING 45 JOBS. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS PREPARED BY STAFF AND THE AUDIT FIRM. BEFORE FILING WITH THE IRS, A DRAFT OF THE COMPLETED FORM 990 IS PROVIDED TO THE ALL MEMBERS OF THE BOARD OF DIRECTORS AND IS REVIEWED IN DETAIL BY THE FINANCE COMMITTEE WITH QUESTIONS ADDRESSED AND RESOLVED BY THE AUDIT FIRM. THE FINANCE COMMITTEE VOTES TO ACCEPT THE FORM 990, AND MINUTES OF THE COMMITTEE MEETING ARE PRODUCED TO DOCUMENT THE REVIEW AND THE VOTE. FORM 990, PART VI, SECTION B, LINE 12C THE ORGANIZATION REQUIRES EMPLOYEES AND BOARD MEMBERS TO COMPLETE ANNUAL CONFLICT OF INTEREST SURVEYS. FORM 990, PART VI, SECTION B, LINE 15 COMPENSATION DATA REGARDING THE TWO TOP EXECUTIVE POSITIONS WAS GATHERED NATIONALLY, REGIONALLY AND LOCALLY. AN EXECUTIVE COMPENSATION COMMITTEE (ECC) WAS APPOINTED BY THE BOARD OF DIRECTORS AND CONSISTED OF THREE BOARD MEMBERS, WITH ASSISTANCE FROM THE HUMAN RESOURCES DIRECTOR. AFTER A REVIEW OF THE DATA AND DISCUSSION BY THE ECC, IT WAS DETERMINED THAT BOTH POSITIONS ARE IN A REASONABLE RANGE WITH THE DATA REVIEWED AND THAT THE COMPENSATION FOR THE TWO POSITIONS IS APPROPRIATE. COPIES OF COMPARABILITY DATA ANALYSIS ARE ON FILE, AND RECORDS OF THE ECC ARE DOCUMENTED. FORM 990, PART VI, SECTION C, LINE 19 THE COMMUNITY LOAN FUND'S FORM 990, YEAR-END AUDITED FINANCIAL STATEMENTS AND ANNUAL REPORTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST AND ARE POSTED ON THE ORGANIZATION'S WEBSITE FOR PUBLIC INSPECTION. BYLAWS AND CONFLICT OF INTEREST POLICIES ARE ALSO AVAILABLE TO THE PUBLIC UPON REQUEST. THIS IS STATED ON THE ORGANIZATION'S WEBSITE. FORM 990, PART XII, LINE 2C: THE COMMUNITY LOAN FUND'S AUDIT COMMITTEE ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND SELECTION OF INDEPENDENT ACCOUNTANTS. THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. PT IV LINE 26 AND PT VI-A, LINE 1B THE COMMUNITY LOAN FUND'S BY-LAWS REQUIRE THE BOARD OF DIRECTORS TO INCLUDE REPRESENTATIVES OF BORROWER ORGANIZATIONS AND INVESTORS AMONG ITS MEMBERSHIP. ALL TRANSACTION DECISIONS FOLLOW STANDARD POLICIES AND PROCEDURES INCLUDING THOSE COVERING CONFLICT OF INTEREST. ONE FORMER MEMBER OF THE BOARD OF DIRECTORS IS EMPLOYED BY A NONPROFIT ORGANIZATION THAT HAS AN OUTSTANDING LOAN FROM THE COMMUNITY LOAN FUND TOTALING $617,613. TWO MEMBERS OF THE BOARD OF DIRECTORS HAVE PROVIDED INVESTMENTS OR HAVE FAMILY MEMBERS WHO HAVE PROVIDED INVESTMENTS TOTALING $372,836 TO THE COMMUNITY LOAN FUND AS OF JUNE 30, 2020. THIRTEEN EMPLOYEES HAVE PROVIDED INVESTMENTS OR HAVE FAMILY MEMBERS WHO HAVE PROVIDED INVESTMENTS TOTALING $405,347 TO THE COMMUNITY LOAN FUND AS OF JUNE 30, 2020. BOARD MEMBERS AND STAFF ARE TYPICALLY DONORS TO THE COMMUNITY LOAN FUND. DONATIONS AND INVESTMENTS ARE ACCEPTED FROM EMPLOYEES, FROM INDIVIDUAL BOARD MEMBERS, OR FROM ORGANIZATIONS WITH WHICH CURRENT AND FORMER EMPLOYEES AND BOARD MEMBERS ARE EMPLOYED OR ASSOCIATED. THE TRANSACTIONS ARE PART OF THE COMMUNITY LOAN FUND'S NORMAL COURSE OF BUSINESS.