With a range of products, cost structures, and unmatched financial strength, State Farm Life Insurance is a smart choice and a great value. We offer online quotes in most states for our hospital income and Medicare Supplement products. Zero in not only on your state, but also your local community for a good neighbor agent who will help show you coverage and savings that may fit your needs and your budget. They left a message a week ago and i then called our local agent who confirmed there is no such claim.
You can now pay for vehicles, storage fees, transportation costs, and more online using your available IAA Credit during the checkout process. The US auto insurance industry today exchanges, thousands and thousands of individual claims, subrogation payments each day, in the form of paper checks, snail mail, through highly manual processes. Best-the largest company devoted to rating insurers’ financial strength. We’re willing to bet that protecting your family is extremely important to you, so don’t forget to secure the right life insurance. Fill out our calculator to get an estimate of how much coverage you may need to protect your loved ones. You could save even more by bundling your Auto quote with another product.
If you choose to move forward and sign up for the policy, you’ll need to share your driver’s license number and confirm other details about yourself and your vehicle. With this information, State Farm will give you a final quote. Once you submit your request, you’ll get a few quotes with the option to customize them based on your coverage needs. You’ll also get the contact information for a State Farm agent in your area. While some states have requirements when it comes to medical coverage, others may give you the option to include it in your policy or leave it out.
For Teen Driver Safety Week (Oct. 17-23), learn how Steer Clear from State Farm can help your teen be a safer driver and help save on auto insurance. You can also text STEER to 78836 for a link to download the app and get started today. #GoodNeig
— Thom Connolly (@SF_ThomC) October 18, 2021
Canadian policies were transferred to be underwritten by Desjardins Group on January 1, 2015. The State Farm brand continued to be used for agents and marketing until 2018. In 2018, State Farm Canada was officially rebranded to Desjardins Insurance through Desjardins Insurance Agents. As of December 2017, State Farm had 70,000 employees and 19,000 agents. State Farm has expanded into the financial services arena, such as banking and mutual funds. Only State Farm agents can sell State Farm insurance, and their agents can sell only State Farm products.
Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. In the 1950s, State Farm held a contest among the agents, to come up with ideas to expand the State Farm business. Robert H. Kent, a State Farm agent in Chicago, came up with the idea of providing auto loans to existing policyholders. Robert H. Kent was friends with a local bank president at LaSalle NW, and the two teamed up to pilot the auto finance program.
The rate also includes collision and comprehensive with a $500 deductible. State Farm has always taken excellent care of my family and me in the areas of car, home, and life insurance. The absolute best car insurance coverage I have ever had, and I have tried others in my 43 years of marriage, is by far State Farm. They have always covered repairs on our cars when we were in accidents without question and without raising our rates. There are discounts you automatically receive for increments of years of loyalty in staying with them.
State Farm Reviews
They also offer their clients gap insurance and new car replacement, which are not offered by State Farm. This rating is the highest possible an insurance company can receive. While they do have the funds to pay for a claim, there have also been some dissatisfied customers regarding the company’s claim handling and payment.
It also offers add ons that cover damage to any sidecars attached to your motorcycle, as well as damage to protective gear. Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided. If you do not have a current personal report, Experian will provide a free copy when you submit the information requested. Additionally, you may obtain a free copy of your report once a week through April 2022 at AnnualCreditReport.
Once your claim is approved, you can proceed with the repairs and secure a replacement vehicle . Both uninsured and underinsured motorist coverage is designed to protect you should you find yourself in an accident with an at-fault driver who doesn’t have sufficient liability coverage. Auto liability policies are designed to protect you up to your policy’s limit should you be found at fault in a car accident. Those with good credit can expect to pay about $1,231 a year, but if your credit score is bad, your annual policy price could more than double to a whopping $2,744 a year. Needless to say, State Farm is not a popular pick for those with a less-than-ideal credit history. An important thing to note is that your credit score is likely to play a major role in deciding how much you will pay for your State Farm policy.
The app tracks your driving and you earn discounts for good driving behavior such as avoiding hard stops and excessive speeds. You may save up to 30% on your car insurance with Drive Safe & Save. Among its top competitors nationwide, State Farm is fairly competitive when it comes to auto insurance rates for good drivers. If you’re a good driver who is price shopping, check quotes from Geico and State Farm, among others.
Others like that there’s the option to speak to a local agent. Many also talk highly of State Farm’s discounts for safe drivers, including teen drivers. In addition to auto and homeowners insurance, State Farm offers three types of life insurance coverages to people of all ages. Within those three buckets, you customize your policy to fit your needs. The company offers life insurance in all states except Massachusetts, Wisconsin, and New York.
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site.
State Farm offers savings for drivers under 25 who complete the course and have had no at-fault accidents or moving violations within the past three years. State Farm’s rental car and travel expenses coverage is superior to its competition’s. Coverage limits apply and vary by state, and you need to have comprehensive or collision coverage to opt in. State Farm auto insurance earned 4.5 stars out of 5 for overall performance. If you have good driving habits and want to earn more discounts on your car insurance, State Farm’s Drive Safe & Save program may be right for you.
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But take note that this program isn’t available in California, Hawaii, Massachusetts, North Carolina or Rhode Island. Compensation may factor into how and where products appear on our platform . But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That’s why we provide features like your Approval Odds and savings estimates. As of 2019, it has 44 million active auto policies in the U.S and over 19,000 agents who can assist you during the process of buying auto insurance. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website.
Plus, if you can’t stay in your residence due to a covered incident, we’ll help pay for your temporary living expenses. Yes, we’re an insurance company, but find out what makes us stand out. Utah was the 24th-most expensive state for auto insurance in 2018. Baton Rouge-based GoAuto expects to drop its rates by approximately 15% for policies in Louisiana between April 1 and May 31. It may continue further into the summer if the state stay at home order is extended.
One of those models is the co-founder based approach that typically involves a small number of firms or companies that focus on developing a single product or use case. State Farm offers one of the cheapest monthly premiums at $128 for low-mileage drivers, according to an analysis. The number of independent ERIE agents ready to help.Find a local agent now. At ERIE, we believe in and promote an atmosphere of mutual respect. We strive to create an environment where customers, agents and employees reflect the diversity of the communities where we all live and work. Access your policy online to pay a bill, make a change, or just get some information.
Your Guide To Car Insurance Discounts
However, each claim is different and may be resolved more quickly or take more time. To help with the claims process, prepare all your documentation and evidence upfront and file your claim shortly after the incident. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. All providers discussed on our site are vetted based on the value they provide.
— phxsoul (@PhxSoul) October 22, 2021
State Farm’s medical pet insurance through Trupanion helps cover costs such as diagnostic tests, surgeries, hospital stays and medications. Take a defensive driving class and you may be eligible for a discount of 10% to 15%. If you drive without having an accident for three years in a row, you can qualify for an accident-free discount from State Farm. Investopedia requires writers to use primary sources to support their work. Steer Clear Discount – New drivers under the age of 25 without any at-fault accidents or moving violations within the past three years can qualify for the Steer Clear program and get up to 20% off.
It’s Easy To Get A Free Quote For Home Insurance From Travelers In Just A Few Minutes
State Farm liked the idea so much that it was rolled out to all the agents. Robert H. Kent received royalties on the program for 20 years. This event created the first marketing partnership between insurance companies and banks.
Is Flo married to Jamie?
In 2004, she joined the improvisational sketch comedy group, “The Groundlings.” It was there that she met her husband Scott Kolanach, whom she married in 2008, the year her career took off as the famous face of ‘Flo. … They have been married since 2003.
Insurance companies usually offer a base policy that boaters can customize by adding optional riders or by choosing policies tailored to boat type. Foremost offers an unusually high number — eight — of such packages, tailored to boat type, age or coverage level. These can simplify the selection of the policy features car insurance companies online you need. Also, do note that since BoatUS is a subsidiary of Geico, they offer the same policy. In fact, the Geico boat insurance quote process redirects you to the BoatUS website. Not every insurer includes in its standard coverage the removal of your boat if it is wrecked and damage from fuel spills.
So, assuming that you’re a 25-year-old with a typical $1,450 per year policy and a twelve-month coverage plan, then your monthly payments would be around $121 per month. When you first sign up, you’ll likely put this amount as a down payment and then make recurring monthly payments every 30 days. Depending on your individual needs, State Farm usually provides coverage on a six-month or a twelve-month basis.
Just know if you get hit by someone insured by State Farm they are going to hope you give up so they don’t have to pay the claim to get your car repaired. My bumper is in bad shape and they do not care if it ever gets made right. State Farm condominium unit owners insurance covers personal property losses due to theft, fire, and other weather and non-weather related incidents. When another person causes an accident and injures you and their insurance is not enough to compensate you for personal and property damages, you can use this coverage to make up the difference. State Farm may add personal injury to your coverage to protect you in case of an injury.
- You can now pay for vehicles, storage fees, transportation costs, and more online using your available IAA Credit during the checkout process.
- This is the best way to find the cheapest car insurance coverage.
- Early 2018 was the time when State Farm had to make a decision on the blockchain platform it would develop its auto claims subrogation solution.
- We strive to create an environment where customers, agents and employees reflect the diversity of the communities where we all live and work.
Your personal rate may differ considerably, depending on your age, credit score, driving record, the type of car you’re driving, and the city and state you receive coverage in. Established in 1922, State Farm is the #1 auto insurance provider in the nation by market share. The company carries more than 16% of the auto insurance market share, reflecting more than 40 million policies written. State Farm is best for good drivers, as they can take advantage of the multiple good driver discounts available.
State Farm offers a lot more peace of mind for families than many insurance providers, says Jake Hill, the founder of DebtHammer, a debt relief company. His company worked with a family whose 17-year-old daughter wrapped a car around a utility pole. State Farm did an excellent job handling the situation, says Hill. State Farm offers standard coverage that’s part of most homeowners policies, such as liability for weather-related damage in the home and coverage for personal belongings. You can call an agent, visit an agent in person, file a claim online or use the State Farm app on your phone.
Highly rated by industry professionals, Geico holds an A+ rating from the Better Business Bureau and an A++ financial strength rating from AM Best. Many customer reviews praise the company for its easy claims process, broad range of discounts, and affordable auto insurance rates, especially for good drivers. State Farm Drive Safe and Save is a driver tracking program that monitors your driving habits to potentially offer you a discount for being a safe driver. It tracks accelerating and braking, your mileage, your speed, and what time of day you drive.
State Farm was rated about average for overall customer satisfaction in J.D. Of course, the offers on our platform don’t represent all financial products out there, but our goal is to show you as many great options as we can. On December 23, 2011, State Farm decided to transform its interlocked tri-oval logo to a contemporary logo to showcase the company’s core service offerings of auto, fire, and life. The new logo was introduced January 1, 2012, in celebration of the company’s 90th anniversary. It consists of a simple three-oval design adjacent to the State Farm wordmark.
Best, the highest score for financial stability an insurance company can receive. They also received an AA from S&P Global Ratings, which also speaks to the company’s finical strength and its ability to pay claims on time. I will never trust State Farm again and I have been very outspoken to my adult children to look for new coverage if they have State Farm. In the meantime, my homeowner’s policy came due and they deducted $2000 out of my escrow account. I am shopping for new car insurance and reading all of the reviews. We would trade it in right now but inventory is so low, we can’t get the color or features we love.
Anything above 1.0 means the company received more complaints than is typical, while scores below 1.0 mean the reverse. In 2020 State Farm had a complaint ratio of 1.45, meaning it had a worse-than-average complaint ratio. AM Best, a credit rating agency focused on the insurance industry, gave State Farm an A++ Financial Strength rating, its highest. Auto Claims Satisfaction Study, State Farm was ranked sixth out of 23 national car insurers. Available for both Android and iOS devices, you can use it to request emergency roadside assistance, file a claim, access your insurance ID cards, and contact your insurance agent. If you have a past history of accidents or driving under the influence, you’ll pay a much higher premium than someone with a clean driving record.
If you live in a city, you’ll likely pay a higher rate than someone living in the country or suburbs. That’s because you’re more likely to be in an accident or have your vehicle stolen. Comprehensive – If your vehicle is damaged by circumstances other than an accident or stolen, comprehensive coverage pays for its repairs or replacement.
What should you not say to an insurance adjuster?
Never say that you are sorry or admit any kind of fault. Remember that a claims adjuster is looking for reasons to reduce the liability of an insurance company, and any admission of negligence can seriously compromise a claim.
On average, we found that State Farm is cheaper than many competitors. According to our estimates, good drivers can find full coverage policies for roughly $1,339. The estimates below apply to 35-year-old drivers with good credit and driving records. Both companies also have highly rated mobile apps, which policyholders can use to view their insurance ID cards, file claims, pay bills and change policy information. We analyzed rate estimates for multiple driver profiles with each company. According to our estimates, annual full coverage policies from State Farm cost about $1,339, while policies from Geico cost about $1,352.
Our team has done the research for you to help you find the best and most affordable providers across the state. Geico, USAA, and State Farm rose to the top as the best picks for cheap car insurance in Utah. When it comes to your health and safety, you can never be too protected. This is why some drivers opt for personal injury protection coverage.
Property Claims Satisfaction Study, with a score of 880 out of 1,000. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
The provider’s many discount opportunities, ability to quickly handle claims, positive State Farm auto insurance reviews, and A++ rating from AM Best make it a great choice for most drivers. Considering State Farm and Geico are the two biggest auto insurance companies in the U.S., most drivers can find what they need from either company, whether that’s minimum or full coverage. However, there are a few key differences between State Farm vs. Geico when it comes to auto insurance options. Whether you own a coffee shop or run a business right out of your home, State Farm sells coverage for small business owners. State Farm appears to make heavy use of credit when determining its auto insurance rates. In this category State Farm drops to being the most expensive option among top competitors.
The Steer Clear® program is available for drivers under 25 and makes State Farm a great option for students. Being a safe driver can help you avoid tickets, which is good because tickets raise your insurance premium. Multiple LineSave up to 17% by bundling your car insurance with one of State Farm’s other insurance products, such as life, car insurance cost calculator renters, condo, or homeowners insurance. State Farm has rideshare insurance that fills the gap where personal auto insurance ends and where the rideshare company’s liability coverage begins. Looking for ways to save money on car insurance for a young driver? The State Farm Steer Clear app allows you to do just that with savings up to 20%.
Across the country, that totals $2 billion in rebates to State Farm customers, who will receive them in the form of credits on future premiums. You can add this coverage to either your homeowners or auto insurance policy. Steer Clear mobile app allows for drivers under the age of 25 to reinforce safe driving habits. Through this app, State Farm users are able to receive safe driver discounts, learn safe driving behaviors, and find insurance agents. The average State Farm homeowners insurance rates are based on two different home profiles with a State Farm homeowners insurance policy. State Farm’s Steer Clear discount is a way for the company to incentive new and young drivers to stay safe on the road.
We do not include the universe of companies or financial offers that may be available to you. According to NerdWallet, State Farm received 4.5 out of 5 stars for overall performance. The rating system takes pricing, discounts, claim filing process, financial strength, website transparency, complaint data, and other factors into account.
Once the claim has been filed, you can easily check its status and view or upload relevant documents. The process of filing a claim with the insurance company is easy. Potential customers can generate a quote online or get one by contacting a local agent. The app itself garnered above average reviews on the Apple and Google stores, with a 4.5 and 3.7 out of 5, respectively. Users complained that the app is too sensitive and doesn’t take into account the reasons why drivers might be accelerating too fast or braking too quickly.
If you own another vehicle insured by State Farm, you may have automatic coverage. If it is your first car, contact an agent prior to driving it. When you use your personal car to drive for a ridesharing company like Uber or Lyft, make sure you’re protected with rideshare insurance. Choose comprehensive insurance when your vehicle’s stolen or damaged by something other than collision or rolling over, like damage caused by fire, wind, hail, flood, theft, and more. Save up to 17% if you have homeowners, renters, condo, or life insurance in addition to vehicle insurance. Agent Sarah Rader – Save money by combining your home and auto insurance with State Farm.
We publish unbiased product reviews; our opinions are our own and are not influenced by payment we receive from our advertising partners. Learn more about how we review products and read our advertiser disclosure for how we make money. Securing your family’s financial future can be a major concern.
Whether it’s total loss, aged inventory or even donated, IAA has the services in place to get your vehicles moving through the lanes. We are giving you complete control over your funds following wire transfers to pay for vehicles and services as you see fit. The second project is around improving efficiency and reducing the cost associated with insures sharing information during the claims process. Improvements there could shorten timelines and improve the customer claims.
State Farm also offers two programs—Drive Safe & Save and Steer Clear—that can help you save money on your policy, but we’ll cover those in a minute. Insurance companies often provide various discounts to incentivize consumers to sign up and also to provide some savings for customers who pose less of a coverage risk than others. Although liability insurance is required in most states, some people still drive without coverage or don’t carry enough. If you get in an accident where the other person is at fault, and they’re either uninsured or underinsured, this coverage helps protect you.
State Farm is easily recognizable by its iconic slogan, “Like a good neighbor, State Farm is there” . Living up to their jingle, State Farm car insurance has indeed “been there” for almost a hundred years. Keep in mind, using the mobile app will make it easier to upload any relevant data quickly and efficiently.
USAA is the fifth-largest auto insurer in the country and is our top choice for those who are part of the armed services. The provider offers great bundling discounts for auto, renters, and homeowners insurance, as well as discounts for families, students, and teen drivers. State Farm, the largest auto insurance company in Louisiana when ranked by market share, is reducing its rates by 2.3% for policies that begin in May, according to Louisiana Department of Insurance records. State Farm is an insurance company that offers both personal and business lines of insurance coverage. Our review of State Farm looks at the auto, homeowners, and life insurance policies offered to consumers, along with optional coverages and available discounts. State Farm offers some specialty coverages in the form of different types of car insurance that you can add to a State Farm car insurance policy.
The online program is $24.95, with 20% of the proceeds going towards NSC life-saving initiatives, including opioid misuse, teen driving, distracted driving and many others. Cost varies based on what the training center chooses to charge. As the country’s largest insurance provider, State Farms offers a full range of unique policy options, discounts, and bundles that smaller providers can’t offer. The State Farm State Farm Drive Safe and Save™ program is an optional feature that could help you save up to 30% on your policy for maintaining safe driving habits. If you have an imperfect driving record or DUI, State Farm might be a better choice for you than Geico. However, if you have a low credit rating, Geico offers much more affordable package prices.
Insurance related services offered through Credit Karma Insurance Services, LLC, which does business in some states as Karma Insurance Services, LLC. A vastly improved search engine helps you find the latest on companies, business leaders, and news more easily. At NextAdvisor we’re firm believers in transparency and editorial independence. Editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by our partners.
Power 2019 Auto Claims Satisfaction Study, State Farm was ranked fifth out of 23 companies in terms of customer satisfaction. We offer online rate quotes for homeowners insurance in most states. The State Farm Select Service program is a network of auto repair shops that offers a range of claim service options for vehicle estimates and repairs.
If you have a question, others likely have the same question, too. By sharing your questions and our answers, we can help others as well. One thing to keep in mind, though, is that not all discounts are available in all states. Speak with a State Farm agent to get more information about savings opportunities where you live. Like all large insurance corporations, State Farm has invested in innovation and technology so that it can compete in the modern digital marketplace. Away from insurance, State Farm claims to be the 101st largest bank in the US in terms of assets (holding nearly $16.7 billion), and has nearly 519,000 accounts in mutual funds.
That said, each provider can be cheaper in different situations. When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. Look at how many consumer complaints each company has, as high numbers can be a red flag about the quality of service you might receive.
Auto insurance premiums are calculated through a variety of factors, and some of those factors are based on the car itself, including the car’s price, repair costs and general safety record. Carriers may offer discounts if you have a low mileage count, meaning you drive less than the average number of miles per year compared to other Americans. The national average annual premium for Americans who drive 5,000 miles or less is about $1,612, according to Bankrate. Whether you should drop coverage depends on the value of your car and the relative cost to cover it.
In this exciting episode he talks to us about the auto claims subrogation implementation on blockchain by State Farm and USAA. What is interesting about this implementation is that it was done on a Quorum blockchain, which is a first on Insureblocks. Complete the from below to find a local ERIE agent and get started.
The National Association of Insurance Commissioners tracks the number of complaints issued against insurance providers. Scores are obtained by comparing an insurer’s number of complaints to the default national median of 1. State Farm car insurance company has a score of 1.28, meaning that the company receives more complaints than most insurance companies in the country. There’s no single best auto insurance company out there for everyone, but State Farm may be a good fit if you’re an incredibly careful driver. The insurer’s Drive Safe & Save program could reward you for your good driving habits, resulting in lower premiums. When you’re done reading about State Farm, we recommend you collect and compare car insurance quotes from several providers available in your state.
Even if these requirements don’t apply to you, insuring your boat might be a good idea — especially considering boating accidents increased around 26% from 2019 to 2020. Yacht owners may also benefit from a lack of deductions for depreciation on most repairs, and coverage of up to $10,000 to charter a boat if your own vessel can’t be repaired within 72 hours. There is similar coverage for renting a watercraft in the event your own is unavailable. If you have received a Notice of Suspension regarding an insurance case, the links below will provide information on how to keep your license valid. Your letter will have a number at the bottom right hand corner called the ‘FR Sanction’ number.
Experts suggest that if your car is worth less than 10 times the annual premium, purchasing coverage for that vehicle may not be a cost-effective option. One of the quickest ways to check the value is by scrolling through Kelley Blue Book online. If you’re driving more, your auto insurance premium might be increasing. But there are plenty of ways to keep your money in your pocket. Here’s an overview of ways to mitigate increasing insurance costs. An analysispublished by Apple shows that mobility is significantly up in the US since last year, when the COVID-19 lockdown was much firmer.
A State Farm insurance agent can help you choose the right products, options, and coverage amounts. And with more than 18,000 agents throughout the U.S., chances are there’s one near you. You should call as soon as you make the purchase or intend to make a purchase.
Ben Luthi is a personal finance freelance writer and credit cards expert. He holds a bachelor’s degree in business management and finance from Brigham Young University. Overall, cheap car insurance quote online the insurer received far fewer complaints for private passenger insurance than the national median in 2019, according to the National Association of Insurance Commissioners.
According to the latest data from Bankrate, State Farm has the priciest homeowners insurance rate for a $250,000 dwelling compared to its competitors. The average home insurance policy with State Farm costs $1,503 per year — $191 more than the national average of $1,312 per year. State Farm doesn’t have the lowest rates, but they do fall below national averages. According to the latest Bankrate data, the national average full coverage policy costs $1,674 per year.
Most states give drivers a 30-day grace policy to add a newly purchased vehicle to their insurance policy. However, if you go beyond this period, then the state can issue you a fine for each day that your vehicle is uninsured. State Farm’s primary selling point is its customer service and trustworthiness. The company markets itself as the insurance company that policyholders can rely on “like a good neighbor.” The following insurance products are also offered to round out State Farm’s coverage options.
Safeguard yourself in case an accident results in injuries to someone or a loss to their property. Let State Farm® insurance help protect you, your loved ones and the life you’ve built. We offer a wide range of products to help protect what you worked so hard to build. State Farm offers a policy specifically designed for individual condominium unit owners. You get personalized service from any one of our 19,000 agents nationwide.
This pays the amount you and the insurer agree on when the policy is purchased. It doesn’t take into account the value of your boat at the time free online car insurance quotes a claim is submitted. It provides the most protection since it pays to replace or repair your watercraft without deductions for depreciation.