Energy Efficiency and the Use of Solar Panels

Those looking to go green can seriously consider equipping their house with solar panels. Not only is solar energy great for the environment, but solar power can also be very lucrative as an alternative form of energy. Those who decide to invest in solar panels will not only help the planet, but they will make some good money. Those interested in learning more about the topic should be aware that proper care and maintenance are needed for them to last.

Benefits

Solar power is one of the cleanest renewable energy sources that is being increasingly used by homeowners across the world. It is available almost everywhere. Industrial and commercial buildings in developed countries find switching over to solar PV systems economical. 

Solar Panels

Solar power has many benefits, such as saving money, avoiding dependence on oil or gas, and being a clean energy source. Many homeowners use solar technologies to generate energy and heat their homes. 

  • Advantages include no ongoing costs; 
  • no or minimal maintenance; 
  • environmentally friendly technology; 
  • energy conservation features built into the system.

Governments around the world are providing subsidies for installing solar power systems. Countries like France, Portugal, Germany, UK, Japan and US have implemented tax incentives and government schemes to encourage the deployment of renewable energy. In Australia, the Federal government has released millions of dollars to install high-efficiency solar panels in low-income homes and also offers tax breaks for those who install solar PV in their homes. 

Maintenance

The most important part of caring for solar panels involves ensuring that there are no problems when it comes to their wiring. Those interested in going solar may choose net metering. Net metering allows individuals to sell any excess electricity that their panels produce back to the local power company. It helps offset a portion of the cost of installation.

Proper cleaning of the solar panels is important because they must be cleaned regularly to remove built-up dirt and debris. This will help them to function properly and allow them to capture more energy. Properly cleaning the panels will also help to reduce the amount of energy that they lose because dirt can prevent the panels from collecting enough energy to create the maximum amount of electricity that they are capable of producing.

A good way to keep solar panels clean is to pay close attention to the protective covering on them. Solar panels need to be kept clean to ensure that they are working properly. 

Solar Panels

Installation

Another important factor regarding the proper installation of solar panels involves the type of sunlight that the panel is receiving. Different parts of the panel need to receive a certain amount of sunlight for them to work properly. Those interested in solar panels who live in an area that gets a high concentration of sunlight should consider purchasing ones that are specifically designed to work in this type of environment. Contact local experts to get advice. If you live in Queensland, go with NG Solar.

Even those who are interested in solar panels but live in areas where the sun does not shine as frequently are still encouraged to have them installed. The reason is quite simple; electricity can be expensive. For those who are paying the electric bill every month, it is important to do everything possible to keep it down. One way that they can do this is by having less efficient appliances that use more electricity than necessary.

There are several different ways to install and maintain solar panels on a home. Homeowners should take time to research the different options and learn what is best for their particular home. It is important to compare energy production costs and the cost savings that result from using a solar panel system that is designed to be both energy efficient and one that captures as much energy as possible. It is also important to check into the different options for having solar panels installed. There are many great options available and the choices will depend on the size of the home and its energy production needs.…

Handyman Services Vs Contractor

Handyman services let homeowners and tenants hire handy professionals to help complete basic home repair and maintenance tasks, most often for an additional fee or per job. Hiring a handyman may allow homeowners and tenants to repair minor problems, put together new furniture, or update a room by using the same business. 

Finding a Handyman 

The services of a handyman may range from simple household tasks to complex ones, depending on the needs of the job. Handyman services can also include plumbing, electrical, painting, remodeling, and other similar ‘around the home’ jobs.

handy man vs contractor

There are many handyman services available. Many of them can be found through directories, which provide listings of handyman businesses in each state. These directories are offered by many home improvement stores and other specialty repair shops. Obviously, now that we have Google and other online search services, you can also find handymen by searching a postcode or state and finding someone that meets the needs of your specific location.

By limiting the search to the type of repair that needs to be done, such as electrical fixes, one is more likely to find a professional who meets the needs of the job. BBI Handyman Services may be one of such companies. When searching, use the terms “home improvement projects” and “handyman.” This will return a list of businesses in the handyman categories that can provide the type of repair that is needed.

From there, narrow the list to include only businesses who provide services to do furniture assembly or do window cleaning and installation. These are handyman services that one should choose from when performing a home improvement project. These services are the ones that can offer the most value for the money spent. With these repairs, it is often possible to put together something that will look new, even after replacing the original components.

Narrowing It Down

By limiting the list of companies included in a handyman services list, the consumer can quickly find the type of experience they need for the particular job they need done. For example, someone seeking a window cleaning and installation can find a professional in his area who can complete the job. 

Likewise, someone seeking basic repairs to their home can find a contractor who is experienced with those tasks. It is important to make sure that these contractors have a level of expertise in the type of job being performed. Otherwise, the individual will simply be hiring someone who knows how to perform an inexpensive task but does not know anything about what materials should be used for repairs to a particular item.

Handyman Or Contractor?

While most handyman services work on home projects, some specialise in professional contracting and repairs. When deciding between these two types of contractors, it is important to know what the differences are and how each business operates. Contractors are licensed by their state to work on residential and commercial property. They are not considered a contractor when it comes to doing remodels and renovations on a structure. However, most homeowners hire a contractor because they trust that the individual will not only complete the job properly but will also charge a fair price for the work involved.

There are several key differences between handyman services and services that a contractor can provide when it comes to handling home improvement projects. Contractors are generally hired for something very specific. E.g an electrical contractor can help with complicated electrical work as that is what they are specialised in, whereas a handyman will be able to help you with things like changing a lightbulb. Contractors generally charge a higher price for their services as they will have the relevant insurances to their particular fields of work.

Homeowners who are looking to do some serious remodeling or renovations to their homes should consider hiring both a contractor and a handyman. By using a combination of each professional, you can expect to complete the project on time and at an affordable price. …

attic transformation

Top 3 Attic Transformation Ideas

Make the ideal living space at home with innovative attic transformation ideas. An attic can be a great place to escape to private heaven. Many prefer to spend quality time in close contact with friends or family members, while others like to spend time in quiet reflection in a peaceful environment. A good attic can become a great space to enjoy reading a good book, doing crafts, enjoying the view outside the window or even simply chatting with friends. Keeping items in an organized, clutter-free attic is important to keep things looking presentable and clutter-free for guests and family.

Guest Rooms

Making the attic transformation is also beneficial if you wish to turn an unused attic into a guest room. Guest rooms can be decorated just as you would like them, however, it helps to have some furniture in this room that can be easily removed when guests are not coming over. Attic space is a great place to store items for storage and for hosting parties and gatherings. If you want to transform the attic into a guest room, then consider furniture such as a dresser, a chair and chests for storing clothes.

If your attic space is already used for storing books and other objects then organizing can be very easy. A bookcase can be placed on top of the ceiling joists and then shelves can be mounted below this. If you have a large attic space, you can choose to have a long vertical wall mount rather than using the more traditional horizontal wall mount. A longer mount allows you to decorate the attic without worrying about reaching too far up into the rafters. In attic transformation, bookshelves can also be mounted on the ceiling as a ceiling mount.

Home Office

When you have an attic conversion planned, remember that it will make life easier for you and your family. There are many benefits to turning an attic into a home office such as having additional room for computer work or even a home library. Even if you do not need the extra space, it is nice to have additional storage space. You will find that attic remodelling can even help you sell your home faster in the future.

attic transformation

If you are looking into attic home office remodelling to provide a guest room, you should keep in mind how you intend to use the room. If you plan on using the attic as a guest room, then you will want to have a bed in the room and perhaps a desk. You may even want to provide a simple kitchenette with one or two sinks. If you plan on having a guest room with additional amenities, then you will want to include a home entertainment system such as cable TV, DVD player and games. Having a home theatre can be a great addition, especially if you have invited family or friends over frequently.

Home Library

For a home office that functions as a home library, you should include plenty of wall space. You should also consider a customized file cabinet that can hold many files and a printer, computer, printer, fax machine and other important electronic devices. Since so much room is required, custom attic remodelling is one of the best ways to utilize all the space. When you decide to create a home library, be sure that you measure the area where you plan to place the equipment first. This will help you determine whether you can install all of the necessary components during attic conversion or if there will be some modifications required.

Conclusion

Whether you plan on a guest room or a workspace, you will still need a way to get rid of your everyday clothes before heading home. That’s where attic transformation ideas like a clothes dryer come in handy. There are different types of clothes dryers available on the market including window type units that stay open at all times and permanent clothing dryers. In the case of a guest room, a permanent dryer would be preferable since it could be used whenever a guest comes to visit. Otherwise, you would have to either fold up the clothes and store them in the closet during your visitors’ stay or store them in an alternate location in the home.

Lastly, when you are renovating your attic, remember to check out the foundation. If it’s not sound, you may find yourself with leaks. The attic is considered to be a part of the house foundation. Any damage to the foundation could result in water damage, which would make the structural framing of the house come apart. Proper drainage and a thorough inspection of the attic by a professional are very important. Properly installing insulation to prevent heat loss is another one of the fantastic attic conversion ideas from Kelly Rae robs.…

home modifications for elderly

Home Modifications For Elderly or Disabled Individuals

Home modifications for elderly or disabled people are becoming more common as the population is aging. Most home modifications are not major, but rather small details make the home a safer and more comfortable place for the elderly and disabled to live. From simple changes like painting a room to making a space safer, home modifications can make a big difference.

If you’re aging or disabled and would like to remodel or make home modifications for elderly or disabled, start by looking into ways to update your home’s appearance. Updating the look of your home can help you and other family members feel more comfortable, which will in turn improve their quality of life. This can also lead to better health and happiness.

Staircase

One area that can be updated quickly is your home’s staircase. Many elderly and disabled individuals have trouble climbing stairs, so this is an important feature to consider. Stairs without handrails can be dangerous because they can slip or fall, causing injury. Handrails should be at least three feet tall and made of non-slippery material to reduce the risk of slipping or falling. Updating your staircase can be cost-effective and still add safety.

Accessibility

Other home modifications for elderly or disabled individuals involve accessibility to kitchen areas. Because so many people are now aging, illness, and weight gain cause most of them to need assistance with basic hygiene and personal care. A clean and organized kitchen is imperative to help improve the quality of life of an aging or disabled individual. Having easy access to the bathroom or shower eliminates the need for getting up and going to get help.

home modifications for elderly

Safety Features

In addition to safety features, you may want to consider additional modifications to your home to make it more accessible to you and your loved ones. Stairlifts and ramps can be added to a home to make it more accessible to those in wheelchairs or those with limited mobility. Home modifications for elderly or disabled individuals can include installing grab bars on the home’s interior and exterior. Grab bars provide you with a safe place to pull yourself up from the bottom stairs, providing freedom for you and others.

Safety modifications can be simple additions that make a home safer for you or your loved ones. Stairmasters and walkers can be fitting to staircases to help you navigate up and down without pain. Home modifications for elderly or disabled individuals can include railings or grab bars, riser bars, and more. These modifications can make a home safer and more comfortable for older adults. They can also make it safer for visitors to your home, as they may not know how to safely use a home stair lift or wheelchair ramp.

Remodelling a kitchen or bathroom requires much more work than simply putting in new cabinets. Older adults may find that installing grab bars and other safety features make the kitchen or bathroom safer and more comfortable. It is a good idea to talk to a home remodelling company if you are thinking of remodelling or installing new cabinets. These companies have experience working with older adults, and they can give you ideas about what to do. If you are unable to work with a remodelling company, you can save money by doing the cabinet remodelling yourself. By installing new cabinets with safety features installed and adding grab bars, you will be creating a safer and more comfortable environment for you and others.…

home appraisal

Refinancing Your Home With a Home Appraisal

Appraisal services are crucial for those looking to purchase a home. With an appraisal, the exact worth of your home can be found before you make any offers, thereby ensuring you get the home you want. While most homebuyers have the option of getting an appraisal done themselves, unless you know exactly what you are looking to spend, it’s probably best to leave the work to professionals. Doing home appraisal and inspection by yourself could save you thousands of dollars, however, this approach could cost you more time than savings in the long run.

Appraisal Process

An appraisal process is fairly standard and is generally nothing to worry about. The reason for this is that homebuyers are offered a choice of home appraisal and inspection. Homeowners who have to refinance plans typically choose to have their home appraisal and inspection done at the same time as they are putting together their refinancing plan. This gives buyers a chance to see what their new loan will look like before committing to one lender. By doing this early on, homeowners can make a more informed decision and choose a loan with better terms. The appraisal process typically doesn’t take longer than one day and it’s not difficult for most buyers to do it themselves.

If you choose to have your appraisal done independently, this allows you to take full control over your loan. You can determine the terms and conditions of your loan, negotiate the terms and conditions of the new mortgage and more. When you do an appraisal, however, you must pay the appraisal fee. The appraisal fee varies greatly, depending on the appraiser. Most home appraisal fees are between one and two hundred dollars, but these fees are for your peace of mind in addition to the higher price of buying a home.

Inspection VS Appraisal

Many people worry about home inspection and home appraisal because they believe these are two separate and distinct services. While the home inspection is designed to alert buyers to any potential problems, the home appraisal is designed to give the lender an accurate picture of the home’s current condition. When you are buying newly sold homes, you must receive an appraisal that reflects the recent market value.

home appraisal

It is important to understand that the appraisal determines the loan amount. Although the appraisal determines the loan amount, this is not the final loan amount. Instead, it is a LICO (loan estimate number) that is used to calculate the monthly payments. If the appraiser determines that the home has a lower value than the loan amount, the buyer will need to obtain financing from a private lender. If the appraised value of the home is higher than the loan amount, then the buyer will probably need to obtain a home equity loan to cover the difference.

Loan Types

Some real estate agents like FHA loans. If you are planning on buying a home with a VA loan, be sure to research the lender. Some will list an appraiser on their website and may even have an appraiser on staff. Ask questions about the appraiser and what services the loan agency provides. Some appraisers are certified in all areas, while others are certified in just a few areas. You may not be able to get a loan if the appraiser determines the loan to be an unwise investment.

Another question to ask before refinancing is what services the appraiser provides. Most appraisers work directly with a home loan agency. If you have an FHA loan or are looking at purchasing one, you may not need an appraiser. This is simply a personal decision. If you are going through a mortgage broker, you may also decide you don’t need an appraiser. However, this can increase your home buying costs significantly if the home appraiser you are working with does not come highly recommended.

If you are still unsure if home improvements are worth the home appraisal cost, you may want to consider refinancing. The home improvement process will almost always increase the loan amount. This is good because home improvements are tax-deductible. Even if the home renovation is not worth it, the appraiser will still have more money to work with on closing costs.…

homeownership

How Does Homeownership Affect Taxes?

Many people look at the mortgage crisis and wonder how does homeownership build wealth. Is it a good investment? What about real estate flipping? The truth is that it all depends on where you choose to invest. Here are a few things to consider when thinking about how does homeownership affect taxes.

First, when you buy a home you generally pay cash to the developer/managing company. This money is considered your tax debt. In the past, homeowners were able to write off the interest paid on their loans as a business expense. However, the new tax laws have changed this, and now interest in mortgage loans is treated as a personal expense and must be declared.

Equity and Depreciation

When you purchase a home and make mortgage payments, you begin to build equity in your home. As your equity grows, so does your tax liability. This can become very expensive if you decide to let your home go after a period where you owe no tax. If you wait to pay, you will lose any appreciation that you’ve earned on your home, and you may even lose your home. For this reason, it’s important to think about how does homeownership to build wealth before you decide to let your house go after a tax liability expires.

There are many financial considerations when thinking about how homeownership affect taxes. One of the major considerations is property depreciation. Homeowners must calculate depreciation over time to determine their tax liability. They must also report their home’s depreciation yearly to the government for tax reporting purposes. Some homeowners don’t believe this is an appropriate way to handle depreciation.

Loan Interest

Another financial consideration is loan interest. Many mortgages come with a repayment schedule that requires you to pay a certain amount of interest. The home equity in your home is used as collateral for loans. This means that the longer you own your home, the greater amount of interest you’ll pay on your mortgage.

You’re probably also concerned with how does homeownership affect taxes in your future. The one thing you want to do is maximize your tax deduction. There are many ways to do this, but probably the easiest is to buy property within a year or two of your current residence. The amount of capital gain you’re allowed to claim will be based on the difference between the fair market value of your home and what you paid for it.

homeownership

If you plan to use your income to supplement your retirement, how does homeownership affect taxes might be of great importance to you. Most of us qualify for tax breaks under the tax relief programs enacted by Congress. The Alternative Minimum Tax (AMT) is another great way to reduce your tax liability. The Home Ownership Opportunity Grant is another. Many times you can also get a tax break if you own rental properties.

There are also other options available to you if you are concerned about how does homeownership affect taxes. If you own real estate that is used as a business you can claim depreciation on this property. You can claim the cost of improving the house when it is being rented out. You may also be able to depreciate any improvements you make on the property itself. You can deduct expenses for buying a home, and for education on your new profession as a real estate broker.

Real Estate Appraisals

Real estate appraisals are a big part of how does homeownership affect taxes. The appraiser looks at the value of the property as it would have changed if it had been sold during the time it was purchased. If you are a good investor you can take advantage of this technique and potentially save yourself hundreds or thousands of dollars on your taxes. It is important to understand what the appraiser is looking at, and how the process is used.

If you are a non-homeowner, you have a unique situation when it comes to how does homeownership affect taxes. If you do not have enough income to justify your home, and you rent it, then you are considered a non-homeowner. If you own residential property in a community, or if you own residential property but it is situated in a different county from where you live, you are considered a homeowner. Even if you are in an area that is indifferent tax jurisdiction, such as if you own property that is situated in Oregon but are tax exempt in Texas, you are still considered a non-homeowner. Your property and income tax liability will be lower if you are a homeowner. In some areas, there is a very large difference between how much you pay in taxes based on how much you live in a residence.

There are many areas of the country where the homes are expensive and the property is worth more than the residents’ salaries. You can see how this can make it difficult to pay the property taxes that are assessed. Some people have vacation homes outlying on their main residence. This can be very beneficial to the community because the owners use the vacation home for visiting family members, and they pay local property taxes. If you live in one of these communities, how does homeownership affect taxes can make a big difference to …

real estate agents

How Real Estate Brokers Can Help You With Your Purchase Agreement

When you decide to purchase or sell a home, you are faced with the question of how you can go about finding a real estate agent without being a target for unscrupulous behaviour. While the answers to these questions may vary depending on your circumstances, needs, desires, and circumstances, it’s important to be aware of how to handle potential issues with your real estate broker. In most everyday situations, individuals are under no obligation to keep someone else’s interest in mind and can better handle one another at arm’s length. Unfortunately, that rarely takes place in the real world, so it’s important to be aware of how to avoid unscrupulous behaviour by real estate brokers.

Kickbacks and Dodgy Deals

One of the most common ways how real estate agents make money off of a property sale is through kickbacks. It’s a scam in which the real estate broker collects a commission for selling a house for a higher price than what it’s worth. This happens in a variety of ways, but the basic idea is that the seller signs over the deed of the property to the real estate broker in exchange for a down payment. At the closing, the seller will be reimbursed with a large part of the closing costs. Unfortunately, kickbacks are not illegal, but it would be wise for buyers to inquire about them before signing any type of agreement. You should also ask your agent whether they will charge a commission upfront before providing any settlement services.

Another way agents can profit off of a transaction is through a “dodgy deal.” This is when an individual intentionally buys a home to pay less than its fair market value. Real estate agents often refer to these deals as “short sales” or “for sale by owner” (FSBO). This can be a risky strategy, as it presents buyers with an opportunity to save thousands of dollars, but some intentionally play the game to skirt financial disclosure requirements by deceiving buyers.

Sub-Prime Lending

One of the most common ways that people get into short sales is through sub-prime lending. This involves taking out a mortgage at a much higher interest rate than you might normally pay. Many individuals fall into this trap when they take out a conventional loan to purchase their home. By taking out a high-interest mortgage, they can afford to buy a home at a reduced price because their income will cover the difference. However, when the mortgage is paid off and homeowners find themselves in default, their only option is to sell to stay current on their mortgage payments.

real estate agents

Listing agents can benefit from a case like this because they can charge more to sell a home to a buyer who intends to remain in the home for a long time. Unfortunately, they must disclose any problems associated with the deal to the listing agent who will then make the buyer aware of the potential pitfalls. These problems could include but are not limited to, overpriced materials, renovations that did not add value to the home, or other issues that would prevent the buyer from taking ownership of the home. Because these are some of the riskiest situations to sell a house through, listing agents must disclose this information if they want to see a return on their investment. It may cost them money to do so, but it will make the process much smoother for all parties involved.

Foreclosures

Another issue that has arisen due to real estate agents without fiduciary responsibility is foreclosures. Foreclosures can happen to realtors as well as homeowners. When a homeowner defaults on a loan, a realtor is the next line of defence. The mortgage company will send a Notice of Default to the realtor. Once realtors receive the Notice, they must do what is required by law and contact the homeowner to determine the next step. If the homeowner does not respond promptly, the lender can then take over the property and sell it to recoup the outstanding balance.

Real estate attorneys can help borrowers deal with lenders when this occurs. They can draft and file a Purchase Agreement (PA) that protects the lender from default. The Purchase Agreement should contain a contingency clause allowing the lender to recover its loss in case of non-payment. A contingency clause is designed to provide security for borrowers by requiring the lender to pay an amount equal to the purchase price if the house is sold to cover the contingency. Although a contingency clause may sound cumbersome, many buyers find it to be an effective and convenient method of purchasing real estate.

Another factor borrowers need to consider is whether the real estate broker is properly compensated. The broker may receive a portion of the commission earned through the sale. This fee is typically 10% of the final selling price of the property. However, it may also be affected by the transaction fees deducted by the buyer. Brokers need to discuss these fees with their clients before signing the contract.…

first homebuyer tips

First Home Buyer Tips

Buying your first home can be a big investment for the whole family. It’s a huge purchase for yourself too so you must work smart when buying a home. The first and perhaps most important first home buyer tips are to figure out your financial budget first so that you know exactly what you can comfortably afford. When you are estimating how much down payment you need, consider your income and consider future expenses like college tuition. When determining the size of your down payment, keep in mind that you should not put all of your savings into your first home.

Another first home buyer tips is that home buyers need to know the right home type. There are several different types of home buyers, which could include first time home buyers, investors, homeowners, and renting. First time home buyers usually buy a lower-cost home. Homebuyers who decide on a home-based on investment or renting probably put more money into their home than someone who is purchasing a home for the sole purpose of renting. Most new home buyers try to find the perfect balance between affordability and functionality. It depends on the home itself as well as what you plan on doing with it once you get it.

Condominiums

A great first home buyers tip is that many people who buy their first home choose to live in a condominium. Condominiums offer several advantages that can help save you money on both land costs and home improvement costs. When looking at a new home or resale market, condominiums typically rank very well due to their low prices and a limited number of homeowners. A condominiums management company can help you make the most of your new home purchase by providing you with financial and home information assistance including common home maintenance and common home repair problems so that you can efficiently address these issues when they arise.

Mortgage

Another first home buyer tip involves how you handle your first home mortgage. You can often save thousands of dollars on your first home mortgage if you go about borrowing for the down payment and closing costs in the right manner. If you want to learn the best possible credit score to borrow for a mortgage in this economy, you need to understand the basics of your credit score. Your credit score is an important key that will determine the interest rate and cost of your first home loan.

first homebuyer tips

The process of buying a home is usually very overwhelming for first home buyers. The first home buyer tips that you should keep in mind include asking lots of questions, reading contracts, carefully comparing home loan products and services, and taking advantage of any free homeowner programs available to you. These free homeowner programs can help you reduce the stress associated with the buying process. Once you understand your needs, you are much more likely to make an educated and informed decision regarding your first home purchase. A real estate agent can also assist you in many of these areas but it is often better to keep everything in the family and close friends circle.

The first home loan tip that you should be concerned with is whether or not you will be paying stamp duty on your new home purchase. This is often required when you buy a new home in Ireland. The stamp duty tax is considered to be a form of sales tax in the area in which you live in Ireland.

Deposit

A first home buyers’ first home loan deposit scheme can be a good way for you to fund the purchase of your new home. When you apply for your first home loan deposit scheme, you may qualify for a starter home plan. This is a special scheme that works in conjunction with a lending company to provide you with a first home loan deposit. With the starter plan, you would pay a one-off lump sum that is held as security for the loan that you take out with this particular lender. If you repay the money within the specified time the amount of money that you paid as the home starter deposit will be returned to you.

Other first home buyer tips that you should keep in mind when you are considering buying a new home is to research as much information about the home that you want to buy as possible. There are numerous books and websites available online today that you can peruse and gain an understanding of what you are looking at when you are considering buying a new home. You should also consider the location that you are looking at. This will impact your decision on how big of a home you will be able to afford and whether or not it will be convenient to drive to work or school and other necessary daily activities. You mustn’t fall into the trap of purchasing a home that is too small for you to afford because of these factors.…